Debit Order Mandate Terms

1. Introduction & Scope

This Debit Order Mandate Terms page sets out the terms and conditions under which you, the customer (“the Mandator”), authorise Lations (Pty) Ltd t/a Lebzology (“the Mandatee”, “we”, “us”, or “our”) to collect monthly subscription fees and any applicable charges via debit order from your nominated bank account.

By signing or electronically accepting this mandate, you agree to be bound by these terms, which are governed by the Electronic Communications and Transactions Act 25 of 2002 (ECTA), the National Payment System Act 78 of 1998, and the Payment Association of South Africa (PASA) rules governing debit order collections.

2. Mandate Authorisation

You hereby authorise Lebzology to initiate debit orders against your nominated bank account for the following purposes:

• Monthly subscription fees for internet and related services
• Once-off installation, activation, or equipment fees (where applicable)
• Pro-rata charges for partial billing periods
• Reconnection fees following service suspension
• Any other charges expressly agreed to in your service agreement

3. Collection Details

4. Your Rights as a Consumer

In terms of South African law and the DebiCheck system, you have the following rights:

• Right to Information: You are entitled to receive a pre-notification (SMS or email) at least 3 business days before each debit order is processed, informing you of the exact amount and date.
• Right to Dispute: You may dispute any unauthorised or incorrect debit order with your bank within 40 days of the transaction date. Disputes must be lodged through your bank’s dispute resolution process.
• Right to Cancel: You may cancel this mandate at any time by providing 30 (thirty) calendar days’ written notice to Lebzology, subject to the cancellation procedure in Section 7.
• Right to Suspend: You may temporarily suspend a single debit order instance by contacting us at least 5 business days before the collection date.
• Right to Reasonable Notice: We will provide at least 30 days’ written notice of any changes to the debit order amount, date, or frequency.

5. DebiCheck Authentication

Lebzology participates in the DebiCheck authenticated debit order system administered by the South African Reserve Bank and PASA.

When you sign up for our services, you will receive an electronic mandate authentication request via your banking app, USSD, or ATM. You must electronically approve this mandate before any debit orders can be processed. This authentication:

• Verifies your identity as the account holder
• Confirms the exact amount, date, and frequency of collections
• Creates a tamper-proof record of your authorisation
• Protects you against fraudulent or unauthorised debit orders

6. Failed Collections & Dishonoured Payments

If a debit order is dishonoured (returned unpaid) by your bank, the following applies:

• First Dishonour: We will notify you via SMS and email within 24 hours. A re-presentment may be attempted on the 15th of the same month.
• Second Dishonour: A penalty fee of R150.00 (incl. VAT) will be charged. Service may be throttled or suspended.
• Third Dishonour: Service will be suspended, and a reconnection fee of R350.00 (incl. VAT) will apply. The full outstanding balance must be settled before reactivation.
• Bank Charges: You remain liable for any bank charges levied by your bank for dishonoured payments.

We reserve the right to report persistent non-payment to credit bureaus in accordance with the National Credit Act 34 of 2005.

7. Cancellation of Mandate

You may cancel this debit order mandate at any time by:

1. Logging into your Lebzology customer portal and submitting a “Cancel Mandate” request;
2. Sending a signed written request to billing@lebzology.co.za with your full name, account number, and ID number; or
3. Contacting our billing department on 087 123 4567 during business hours (08:00 – 17:00, Monday to Friday).

Cancellation requires 30 (thirty) calendar days’ notice. During this notice period, normal debit order collections will continue. Cancellation does not absolve you of any outstanding amounts owed to Lebzology.

You may also cancel the mandate directly through your banking app or by contacting your bank, but you remain liable for any service fees incurred until formal cancellation is confirmed by Lebzology.

8. Changes to This Mandate

We may update these Debit Order Mandate Terms from time to time to reflect changes in legislation, banking rules, or our business practices. We will notify you of material changes via email or SMS at least 30 days before they take effect.

Continued use of our services after the effective date of any changes constitutes acceptance of the revised terms.

9. Confidentiality & Data Protection

Your banking details are collected, stored, and processed in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA). We use industry-standard encryption and access controls to protect your financial data.

We do not share your banking details with third parties except as required for payment processing by our authorised banking partners (FNB, PayFast, or other PASA-registered payment service providers).

For our full privacy policy, please visit lebzology.co.za/privacy-policy.

10. Contact & Dispute Resolution

For any queries, disputes, or complaints relating to debit orders, please contact:

If we are unable to resolve your dispute internally, you have the right to escalate the matter to:

• The Ombudsman for Banking Services at www.obssa.co.za
• The National Consumer Commission at www.thencc.gov.za
• The Information Regulator (for POPIA complaints) at www.justice.gov.za/inforeg

11. Governing Law

This mandate and any disputes arising from it shall be governed by the laws of the Republic of South Africa. The parties consent to the jurisdiction of the Magistrate’s Court or High Court in Cape Town, Western Cape.

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Last updated: 15 July 2025  |  Version 1.2  |  Document Reference: LEBZ-DOM-2025-001