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    What are the benefits?

    With a TFG store card you can select and charge the latest fashion, accessories and homeware from any of our TFG stores quickly and conveniently. Your purchases are automatically billed to your account and you'll receive a monthly statement.

    The luxury of 24-hour shopping is just a few clicks away. Plus, activate Rewards & More and you’ll also get instant rewards every time you shop!

    What are costs?

    Opening the account is FREE! On a 6-month plan you don’t pay interest. On a 12+ month payment plan, interest on any balance will be charged. Find all the details on www.tfg.co.za

    How do I pay?

    There are a number of options you can use when paying your store card.

    1. Online with your Master or Visa card
    Sign up on www.tfg.co.za and you will be able to pay your account from anywhere on any device using your Master or Visa credit or cheque card.

    2. In any TFG store
    Including @home, @homelivingspace, American Swiss, Charles and Keith, Colette, Donna-Claire, Duesouth, Exact!, Fabiani, The Fix, Foschini, G-star Raw, Hi, Markham, Mat & May, Next, Sodabloc, Sportscene, Sterns and Totalsports store.

    3. An online or ATM transfer
    Setup TFG as a beneficiary online or at your bank to transfer your payments to us directly.

    TFG Bank Account Details
    Bank: First National Bank Corporate Branch
    Branch number: 204109
    Account number: 5579 000 8020
    Reference number: Your TFG store card number

    4. Setup a debit order
    Complete a Debit Order Instruction Form and then fax or scan and email the form to our Customer Services Department for processing. Alternatively you can take the completed form to your nearest store. For fax and email addresses go to the Contact Us section.

    Store card Terms and Conditions

    The Foschini Group’s standard terms and conditions for store cards and lay-by’s
    These terms and conditions apply in South Africa, Namibia and Swaziland.
    1. Definitions used in this document
    1.1 For the purposes of this document, The Foschini Group (“TFG”) means:
    • In South Africa – Foschini Retail Group (Pty) Ltd, registration number 1988/007302/07, a registered credit provider, NCRCP 36, and an authorised Financial Services Provider;
    • In Namibia – Fashion Retailers (Pty) Ltd, registration number 821;
    • In Swaziland – Foschini Swaziland (Pty) Ltd, registration number 117/1980;
    Our address is Stanley Lewis Centre, 340 Voortrekker Road, Parow East, 7500.
    TFG  includes any trading division of TFG, and where relevant, our subsidiary and holding companies, any subsidiary of any of our holding companies and any person to whom we transfer any of our rights and obligations under this agreement.
    1.2 TFG trades as: @Home, @Homelivingspace, American Swiss, Donna-Claire, Duesouth, Exact!, Fashion Express, Foschini, Luella, Markham, Matrix, Sportscene, Sterns, Totalsports, Charles and Keith, Fabiani, G-Star Raw, Mat & May, hi and TFG Financial Services. New trading divisions may be added from time to time.
    1.3 “We”, “us” and “our” means TFG.
    1.4 “You” means the Account holder, your executors, administrators, trustees or assigns.
    1.5 “Day” means a calendar day unless otherwise specified.
    1.6 “Act” means the National Credit Act, no 34 of 2005, and Regulations, as amended.
    1.7 “Application” or “applying” means your application to us for an Account which can be done at any of our stores, telephonically, or on our website (www.tfg.co.za).
    1.8 “Account” means the facility that we give you that enables you to buy goods, services, and other optional products on credit from TFG.
    1.9 “Agreement” means the agreement between you and us to make credit available to you and includes the Quotation and Pre agreement Statement (“Quotation”), and Credit Agreement as well as these Terms and Conditions (“Terms”), as amended from time to time.
    1.10 “Card” means the personal account card that we issue to you when you open an Account.
    1.11 “Credit Limit” means the maximum approved amount of credit on your Account.
    1.12 “Credit Allocation” means the maximum amount of credit that we make available for you to access and cannot exceed your Credit Limit.
    1.13 The Foschini Group Reference Rate (“FGRR”) means the rate of interest determined by TFG from time to time.
    1.14 “Extended Credit Plan” means interest bearing payment Plans of 6, 12, 18, 24 (six, twelve, eighteen, twenty four) months or longer.
    1.15 “Suspensive Interest Plan” means a 6 (six) month interest bearing payment Plan where we may not charge you interest as per clause 12.5 below. Cellular and electronic products are excluded from this Plan.
    1.16 “Service fee” means a fee that may be charged to your Account for administration and maintenance of your Account.
    1.17 “Lay-by” means a facility in your name, where we reserve goods that you have chosen and which you pay for in instalments over a period of time while we hold such goods, as regulated by the Consumer Protection Act 68 of 2008 (“CPA”).
    2. Your application for credit with us
    2.1 When you apply for credit with us, you are offering to enter into an Agreement with us.  We do not have to accept your offer. We may approve or decline your application in our sole discretion, subject to the Act.
    2.2 The information that you provide to us when applying for an Account, and while you have an Account with us, must be truthful, accurate, correct and complete.
    2.3 You must have the necessary legal capacity to enter into this agreement and be bound by these Terms.
    2.4 If we choose to open an Account for you, this does not mean that we will do so in the future. We may refuse to enter into further agreements with you. We have the right to withdraw your Credit Limit and/ or close your Account at any time.
    2.5 If you qualify for an Account we will give you a Quotation in the store. The Quotation will show your Credit Limit, Credit Allocation, the monthly Instalment that you will have to pay, your rate of interest, and deposit requirements (if applicable). These are only illustrative values, calculated as if the full amount of credit is used on one day and then repaid over your chosen monthly payment Plan, with no further purchase transactions. Your actual monthly Instalment will depend on the outstanding balance on your Account, and the Plan that you select at the time of purchase. The Quotation must be signed and accepted by you.
    2.6 We may use a standard credit-scoring or other automated decision-making system to decide whether or not to give you an Account.
    3. Your Agreement with us
    3.1 If your Account is approved, you will be given a Credit Agreement in store, which you must sign and retain for your records.
    3.2 After you have signed the Credit Agreement you will receive a Card, which must be signed as soon as you receive it.
    3.3 The Agreement will be entered into when you receive your Card and you will be bound by these Terms. 
    3.4 If the Agreement is amended, or if we change, repeal, replace or add to any of the conditions of using your Account, we will notify you of this by sending the changes to your chosen mail address, or by notifying you on your monthly Statement. If you continue using your Card after such notice, the changes will apply.
    4. Use of your Card and Account
    4.1 You are the only person who can use your Card. You cannot transfer it to any other person or allow any other person to use it, however you can apply for a secondary Card if you wish to allow another person to use your Account. You will still remain liable for all transactions on the Account.
    4.2 You can use your Card to purchase goods and services from any TFG store. You must sign the sales voucher when you use your Card to confirm receipt of the goods/services. You may not be allowed to purchase on your Account if you do not present your Card. Your purchases will be charged to your Account.
    4.3 If your Card is lost or stolen, you must call customer services (see clause 22.1 below for contact details), as soon as you discover the loss. We can issue a new Card to you. We will charge you a Card replacement fee for the replacement Card.
    4.4 Your Card will remain our property and we may cancel, suspend or demand the return of your Card at any time.
    4.5 If your Account has been used fraudulently, you must report this to us by lodging a claim within 30 (thirty) days of the date of your statement reflecting the fraudulent use, or sooner if you become aware of it before this time. Failure to do so could result in you being held liable for the fraudulent purchases made on your Account. We will ask you to provide us with certain documents to support your claim. You must provide these to us within 7 (seven) days of lodging your claim, or the investigation may be closed, and you will be held liable for the purchases. We may investigate the matter, and if we conclude that you did not make the purchase(s), we may not hold you liable for the disputed purchases.
    5. Understanding your Credit Allocation
    5.1 Any purchases you make are at all times limited to the amount of your Credit Allocation.
    5.2 Your Credit Allocation may be increased or decreased at any time by us in our sole discretion, after considering whether you have managed your account appropriately.
    5.3 You may also request an increase or a decrease in your Credit Allocation.
    5.4 We may refuse to allow you to make a purchase if the required monthly Instalments are not made by the due date, or if you fail to meet our lending requirements at any time.
    5.5 If you wish to make a purchase and you do not have enough available credit, we may, at our discretion, temporarily increase your Credit Allocation to allow you to make the desired purchase. You will only be able to purchase on your Account again when you have paid off the amount of the desired purchase, and reduced your outstanding balance so that you have credit available for you to use as per your Credit Allocation before the temporary increase.
    5.6 If you are a contract worker at the time of opening your Account, or become a contract worker at a later stage, there may be limits / blocks placed on your Account up to 6 (six) months before your contract comes to an end. Please contact customer services for more information.
    6. Annual Credit Limit increase 
    We will not increase your Credit Limit automatically unless you request this by advising us in writing, at the time of opening your Account, or later, or by calling customer services. If you request such an automatic increase, we will review your Credit Limit annually before we grant you an increase. If you qualify, we will increase your Credit Limit in accordance with the Act.
    7. If your circumstances change
    If your financial circumstances or your income changes at any time, or you become unemployed, you must notify customer services as soon as possible after these changes occur.
    8. Addresses
    8.1 The residential address that you recorded on the application form and as it appears on your Credit Agreement is the address that you choose for legal notices and for any court process to be served on you (your “Domicile Address”). Your mail address, whether residential, postal or electronic, (if possible) will be used to forward statements, notices or other communication to you. If you wish to change your Domicile or mail address, you must notify customer services.  Any change to your Domicile / mail address will only come into effect 7 (seven) days after we receive your notice.
    8.2 If we change our Domicile Address we will also give you notice.
    9. Optional products that we may offer you
    9.1 We may market certain TFG products to you from time to time. We may call you to market these products to you on Saturdays, Sundays and public holidays. We will not do this if you indicate on your application form, or subsequently, by notifying customer services that you do not wish to receive such marketing calls.
    9.2 Account Benefits:
    9.2.1 Account Benefits is an optional product, and includes lost card protection, death cover and account settlement.
    9.2.2 Death cover and account settlement are insurance products. In South Africa and Swaziland, Guardrisk Insurance Company Limited, FSP No 75, underwrites the insurance cover. In Namibia, Alexander Forbes Insurance Company Namibia Limited underwrites the insurance cover.
    9.2.3 Account settlement:  In the event of your death an amount up to a maximum of R2 000 (two thousand rand) will be credited to your Account towards payment of the balance owing to us for accidental death, if you die under the age 40 (forty), and for accidental death or natural death, if you die over the age 40 (forty); and
    9.2.4 Death cover:  R2 000 (two thousand rand) will be paid for accidental death, if you die under the age of 40 (forty), or R2 000 (two thousand rand) will be paid for accidental death or natural death, if you die over the age of 40 (forty).
    9.2.5 If, after payment of the amount referred to in 9.2.3 above has been made, there is still a balance outstanding on your Account, then your estate will be liable for payment of that balance.
    9.2.6 The separate policy and disclosure notice that will be given to you, is applicable to Account Benefits, and is binding on you, in addition to this Agreement. The policy and disclosure notice gives details on when and how the benefits may be claimed and by whom and it explains how lost card protection works.
    9.2.7 You confirm that you have been given the freedom of choice in accepting the offer of Account Benefits. You have not been forced to do so and may reject the offer.
    9.2.8 If the monthly Account Benefits fee is not paid in the month in which it is due, a grace period of 15 days will be allowed for payment, and if payment is not made within this grace period, then cover under this policy will cease.
    9.2.9 You agree that we may charge your Account and collect the fee as stated in your monthly statement. Interest may be charged on the fee, if applicable, and will be levied as per clause 12.4 below. We retain the interest.
    9.2.10 Where your Account is frozen because of proceedings under the Act, or because you have gone under debt review, no fee will be billed and Account Benefits will lapse.
    10. Your monthly statement
    10.1 Statements will be mailed to you or you can view your statements online by registering on www.tfg.co.za. Statements will show the following information for each Plan at statement date -
    10.1.1 all transactions relating to your Account in the previous month; and
    10.1.2 the current Instalment due and the total amount due; and
    10.1.3 all interest and other charges, charged to your Account in the previous month; and
    10.1.4 all payments allocated and the balance outstanding; and
    10.1.5 the amount you must pay to us on or before the due date stated on the statement.
    10.2 You must check your full statement each month and if you dispute any charge, you must advise us of this within 30 (thirty) days of the date of your statement. If you do not do so, we will hold you liable for all charges appearing on your statement.
    10.3 If you do not receive your statement for any reason, you are still liable to pay any amount due to us on time. You can always obtain information about your Account and payment obligations from customer services, on our website, or from any of our stores.
    11. Paying your Account
    11.1 We have the discretion to decide how much the minimum monthly amount payable (“Instalment”) by you is.
    11.2 You must pay the total due, as shown on your statement, by the due date.
    11.3 You may make payments at any TFG store, by electronic funds transfer (in the manner set out on your statement), by debit order, or on line. The payment method you choose is at your risk, and we will only consider a payment as properly made when we receive and credit it to your Account.
    11.4 We will receipt payments to your Account on the date that we receive them in our bank account and payments will be allocated in the following order:
    11.4.1 towards interest; and thereafter
    11.4.2 towards fees and charges; and finally
    11.4.3 towards the Principal Debt, which is the amount that becomes due when goods and services are purchased, or optional products are billed to your Account.
    11.5 Debit orders:
    You may pay your Account by debit order. You need to complete the debit order section in the application form, or a separate debit order instruction, or you can speak to customer services to arrange a debit order. You will be bound to the following terms and conditions:
    11.5.1 If your banking details have not been provided accurately, or if they change at any time in the future and you fail to notify us of such changes, or if payments are not made in accordance with the debit order instruction, the responsibility for payment will rest with you.
    11.5.2 If there are insufficient funds in your account to meet your obligations, you agree that we may track your account and re-present the instruction for payment as soon as sufficient funds are available in your account.
    11.5.3 You agree to pay any bank charges and fees relating to the debit order instruction.
    11.5.4 All payment instructions issued by us shall be treated by your bank as if the instructions have been issued by you personally.
    11.5.5 The debit order instruction may only be cancelled if you give us 30 (thirty) days notice, but you will not be entitled to any refunds of amounts that have been withdrawn while the debit order authority was in force, if such amounts were owing to us. The cancellation of the debit order instruction will not cancel your Agreement with us.
    11.5.6 The debit audit instruction cannot be assigned to any third party, unless your Agreement is ceded or assigned to a third party, in which event the debit order authority may then be ceded or assigned to that third party.
    11.5.7 Receipt of the debit order instruction by us shall be regarded as receipt thereof by your bank.
    12. Interest rates and finance charges that we may charge you
    12.1 We will determine the interest rate (“Your Rate”) and finance and/ or other charges that will apply to your Account from time to time, subject to the Act.  
    12.2 Your Rate charged on your chosen Plan is a variable rate, linked to the FGRR, which means it can change. 
    12.3 We reserve the right to increase, decrease or maintain Your Rate at our discretion. We may charge the maximum rate as prescribed by the Act. We will advise you of any change to Your Rate by a notice on your monthly statement within 30 (thirty) days of a change.
    12.4 Interest on both Plans, if applicable, will be calculated on a daily basis on your full outstanding balance and compounded monthly. The interest is added to your outstanding balance.
    12.5 Interest on Suspensive Interest Plans:
    12.5.1 If your Account is not in arrears at the beginning of the month, and you pay your full Instalment on or before the due date, the interest as set out in clause 12.4 above will not be charged.
    12.5.2 If you do not pay your full Instalment by the due date, interest will be charged as per clause 12.4 above until you have brought your Account up to date.
    12.6 If your Extended Credit Plan goes into arrears, additional interest on overdue amounts will be charged to your Account at Your Rate. If you are paying by debit order, this arrear interest will be collected with the monthly debit order.
    13. Legal and other Costs that you may have to pay
    13.1 If your Account goes into arrears, you will be charged debt collection fees for the period that your account remains in arrears, including charges for mail, electronic communication and telephone calls made to / from you to collect amounts due to us. We will also charge for telephone calls and electronic communication if they are made or sent to a telephone number / e-mail address that you have provided us with, and are not delivered, or if a voicemail is left on your phone. We may also hand your Account over to Attorneys or debt collectors, and you will be liable for their costs in full.
    13.2 If we have to institute any legal action of any nature whatsoever against you, you will be liable for all legal costs incurred, including but not limited to, legal costs on the “attorney and client scale”, collection charges, tracing fees and all necessary disbursements plus value added tax (VAT) thereon. These costs will be charged to your Account.
    14. Ending your Agreement with us
    14.1 You may end this Agreement at any time by advising customer services, in which event you will have to pay the full amount owing to us before your Account can be closed.
    14.2 We may end this Agreement if you fail to comply with these Terms.
    15. If you fail to pay your Account or comply with these Terms
    15.1 If you fail to pay any amount that is due, or, you fail to comply with any conditions of your Agreement, or your estate is sequestrated, or you go under Administration, or you die, or you make any untrue or incorrect statement or representation, or you fail to disclose information regarding this Agreement during your application, or you do anything that may prejudice our rights, then -
    15.1.1 all amounts owing by you to us will become due and payable immediately, and in the case of your estate being sequestrated or you going under administration, we will lodge a claim for the full amount outstanding on your account, plus further interest; and
    15.1.2 without incurring any liability therefor, we may notify any other person who we think should know thereof.
    15.2 We may suspend your Account and give you 10 (ten) days notice before closing your Account, in which event you will be required to repay the Account in full.
    15.3 Your Account may be handed over to debt collectors or Attorneys for recovery of the full outstanding balance on your Account. Debt collection / legal fees will be billed to your Account.
    15.4 We may take Judgment against you.
    15.5 We may not allow you to continue to use your Card.
    15.6 We may choose to extend the term of your Account, for example from 12 (twelve) months to 24 (twenty four) months if we feel that it will assist you to pay your Instalments. We will notify you of such a change by mail or electronically.
    15.7 If you go under Debt Review, you must inform us of this immediately. You will not be allowed to purchase on your Account while under Debt Review.
    16. Proof of your indebtedness to us
    A certificate signed by any of our managers (whose appointment and authority need not be proved) in which the amount of your indebtedness to us and Your Rate is stated, will be accepted as sufficient proof of your indebtedness in any legal proceedings and will be regarded as correct unless you prove that the amount or Your Rate is incorrect.
    17. Consent to Jurisdiction
    In terms of section 45 of the Magistrates’ Courts Act, 32 of 1944, you hereby consent that we may institute any legal proceedings that have to do with this Agreement or your Account, in the Magistrate’s Court, being any Magistrate’s Court that has jurisdiction over you, in terms of section 28 of the Magistrates’ Courts Act. We can however choose to institute action against you in any other court having jurisdiction.
    18. Waiving our rights
    If for any reason or purpose whatsoever, we do not immediately enforce or implement any of our rights in terms of this Agreement, it does not mean that we have abandoned, given up or waived any of those rights.
    19. Your Personal Information
    In this Agreement, Personal Information (“PI”) means:
    19.1 Your Personal Information that you give us when you open your Account, or that we already hold about you, or information that we may record, including any phone number from which you call us.
    19.2 Information we receive from enquiries we make regarding a decision on your Application, or on the Agreement, including information we receive from searches made by us in your name with any credit bureau.
    19.3 Information about any Account or credit life policy or credit insurance which you hold with or through us.
    19.4 Information we receive from anyone who is allowed to give us information about you in relation to your Application, or Account, or credit life policy or credit insurance.
    20. How we may process your Personal Information
    We advise you that we may process your PI in the following ways:
    20.1 We will process your PI, including ethnic information, for the purpose of opening an Account with us, and we may make inquiries to other parties to confirm any information provided by you in your application, or at any other time while you have an Account with us. By opening an Account with us, you consent to us processing your PI, and you waive any rights or claims that you may have against us relating to the provision of PI by or to us in terms of this Agreement.
    20.2 We may also assess your information with other sources of credit worthiness including fraud prevention agencies and financial institutions.
    20.3 You agree and consent that we may process, record or disclose your PI including details of your transactions –
    20.3.1 to any person working for us;
    20.3.2 if you arrange insurance through us, to that insurer, or any organisation which underwrites or supports any of our products which you hold;
    20.3.3 to any payment system under or through which your Account is paid;
    20.3.4 to anyone you authorise us to give your PI to;
    20.3.5 if we think it is necessary or may be of benefit to you or where it is in the public interest to do so;
    20.3.6 to enable us to comply with any applicable laws and /or regulations;
    20.3.7 to manage your Account with us;
    20.3.8 to give effect to, monitor and evaluate our business and where our interests require this; and
    20.3.9 to any fraud prevention agency, in the case where you lodge a fraud claim with us.
    20.4 We may share positive and negative information about you or your Account, including any non-compliance with the terms and conditions of this Agreement, with other companies.
    20.5 We will continue to process your PI for the full duration that you hold an account with us. We will only keep your PI for as long as we need to or have to by law.
    20.6 Should your Account go into arrears at any time, we may forward your PI to third party agencies and/or Attorneys.
    20.7 We may transfer our rights and obligations under this Agreement to a third party without your consent and without notice to you. In such an event the third party will then process your PI.
    20.8 We will market our various products and services to you from time to time.
    20.9. You may update your PI at any time by calling customer services.
    21. Consumer credit information and credit bureaus
    21.1 You agree and consent that we will release certain of your PI to credit bureaus when we search their records about you. A credit bureau will provide us with credit profile information about you, and a credit score showing your credit worthiness. They will record details of our searches. We will also release PI to them about any Account that you hold with us, including information about any payments you have missed and when your Account goes into arrears. Information held by them may be linked to other people with whom you have a financial association. If you give us false or inaccurate information or if we suspect fraud, we will tell them of this.
    21.2 We will give you 20 (twenty) business days notice before sending any default information about you to a credit bureau.
    21.3 The credit bureaus will share your PI and Account information with us and other companies so that we all may:
    21.3.1 assess applications for credit and related services;
    21.3.2 check your identity to prevent money laundering;
    21.3.3 prevent, detect or prosecute fraud and other crimes; and
    21.3.4 recover and trace debts.
    21.4 The credit bureaus will share records to help us and other companies make decisions on proposals for, and claims against insurance for you.
    21.5 The credit bureaus will also use PI for statistical analysis about credit and other fraud.
    21.6 You have the right to challenge information about you reflected at a credit bureau. You have the right to contact the credit bureau to have your credit record(s) disclosed to you and to have inaccurate information corrected.
    22. General terms to take note of
    22.1 Customer services can be contacted via
    • e-mail - customerservices@tfg.co.za;
    • post - P.O. Box 6020, Parow East, 7500; or
    • telephone - 0860 576 576.
    22.2 We may monitor and record all phone calls and other interactions with you.
    22.3 By entering into an Agreement with us, you confirm that you understand the content and the meaning of these Terms and if required, they have been explained to you in a language that you understand. You also confirm that we have explained the risks relating to the Agreement, and your rights and obligations.
    22.4 You may request this document and certain other documents in Afrikaans, IsiXhosa and Sesotho.
    22.5 If you want copies of documents relating to your Account, we will send these to you and we may charge a fee for this.
    22.6 We will not be liable for anything outside of our reasonable control (for example, a failure of computer systems, or power failures) or any industrial action, political unrest or war, if this prevents us from providing our usual service.
    22.7 We will not be held liable for any loss of damage sustained by you or a third party regarding either the application for credit or this Agreement.
    22.8 If we cannot enforce any condition under this Agreement, it will not affect any of the other      conditions in this Agreement.
    22.9 Except for unilateral changes which are made by us in accordance with the Act, all changes or   amendments to the Agreement must either be recorded by us telephonically and thereafter verified by us in writing, or sent by mail or electronically, in order to be valid and binding.
    22.10 We may amend or replace these Terms at any time and you will be bound to any changes made, and in such an event, a new agreement will not automatically come into being between us.
    22.11 When you opt-out of marketing at the time of applying for an Account with us, you will be excluded from marketing from the brand from which you are applying for an Account. Please contact customer services if you wish to be excluded from all electronic marketing from TFG.
    22.12 You have the right to attempt to resolve a complaint by way of alternative dispute resolution.
    22.13 You can file any complaints with the National Credit Regulator (“NCR”), contact number 0860 627 627, or apply to the National Credit Tribunal.
    22.14 You have the right to apply to a debt counselor for debt review or to be declared over-indebted. In this regard, the NCR can be contacted for debt counselors’ details.
    22.15 The Quotation and Credit Agreement and these Terms form the whole Agreement between you and us regarding your Account, which is governed by and interpreted in accordance with the laws of the Republic of South Africa, Namibia or Swaziland (as applicable).
    23. Use of the Lay-by facility
    23.1 When you choose goods for Lay-by, you will pay a deposit of 10 (ten) percent of the total value of the goods.
    23.2 You must make a minimum of one payment every month until the goods are paid for in full. You may decide to pay more frequently if you wish.
    23.3 The total period for the Lay-by is 6 (six) months for jewellery, and 3 (three) months for all other goods. We may decide to change these periods at our discretion.
    23.4 Each monthly payment over the 3 (three) or 6 (six) month period will be an equal share of the balance still owing after the 10% (ten percent) deposit has been paid.
    23.5 If you terminate the agreement before fully paying for the goods, or fail to pay in full for the goods within 60 (sixty) business days after end of the 3 (three) or 6 (six) month period, we reserve the right to charge you a termination penalty. We will refund the total amount that you have paid us for those goods, after the deduction of the penalty, to you upon request.
    23.6 We may give you notice to cancel your Lay-By if you do not pay in full within the time period allowed, electronically or by telephone.
    23.7 No goods will be released to you until the Lay-By has been paid for in full.