Terms and Conditions of Sale

Document code: RJ-LS-01

Version: 3.14

Version date: 29 September 2026

Effective date: 1 October 2026

Issued by: Ralph Jacobs SA (Pty) Ltd (reg. 2019/101093/07) and Ralph Jacobs NZ Limited (company no. 9334729) — see Where We Sell for which company sells to you

Supersedes: all earlier published versions of this document

These are the terms on which we sell to you. They cover our website, quotations, orders, bespoke manufacture, sourcing, payment, delivery, collection, repairs, resizing and after-sales support.

They apply wherever you are. Where your own country gives you rights we cannot exclude, those rights apply too — see Where We Sell and Who You Buy From.

In these terms, “we”, “us” and “Ralph Jacobs” mean the Ralph Jacobs company named on your order confirmation. “You” means the person or business buying from us.

Ralph Jacobs trades through two companies, and which one sells to you depends on where your order is delivered.

The website you use does not decide this — your delivery address does. Our storefronts route you to the right company. The full allocation, and what it means for your tax, your consumer rights and your complaint route, is at Where We Sell and Who You Buy From.

Your order confirmation and invoice name the company you are contracting with, before you pay. That company is responsible to you for your order. We do not change the selling company after payment.

Each company contracts in its own name. One does not act as agent for the other unless we say so in writing. Where one company sells to you and the other supplies, ships or repairs the goods, the company named on your order confirmation remains responsible to you.

Ralph Jacobs SA (Pty) Ltd was previously registered as Coscoroba Group Holdings (Pty) Ltd. The name changed on 16 September 2026. It is the same company with the same registration number, and everything agreed under the old name still binds and benefits us both.

Contact us

Telephone +27 87 551 7635 · Sales: sales@ralphjacobs.co.za (South Africa) · sales@ralphjacobs.co.nz (New Zealand and Australia) · sales@ralphjacobs.co (international) · Legal notices: legal@ralphjacobs.org · Which address to use

Showroom: Shop 6B, Lake Umuzi Waterfront, 1 Kiewiet Street, Secunda

Legal hub: ralphjacobs.org · Help centre: ralphjacobs.help

Full company details are at Company and Legal Information.

Our agreement is with the person who placed the order and paid for it. That person is our customer. They are who we take instructions from, and the only person who can change or cancel an order, ask for a refund, or be told what the order cost.

This matters more in jewellery than in most trades. An engagement ring is usually bought by one person and worn by another. A gift is bought by one person and opened by another. The person wearing the piece is not a party to our agreement, and often does not know what was paid, when it was bought, or what was discussed — which is usually exactly how the buyer wanted it.

So, unless the buyer has told us otherwise in writing:

• we take instructions on an order only from the buyer — changes, cancellations, returns, upgrades, resizes, and work booked into the workshop;
• we will not discuss the order with anyone else — not what was paid, not when it was bought, not what was said, and not that it exists at all;
• any refund goes back to the account or card that paid, and to nobody else; and
• where a claim needs proof of purchase, it is the buyer’s invoice we work from.

If you want somebody else to be able to deal with us about your order, tell us in writing. An email from the address on the order is enough. We will note it on the file, and you can withdraw it the same way.

One thing this does not do

It does not take away the rights of the person actually wearing the piece if something is wrong with it. South African consumer law treats the user of goods as a consumer for quality and safety purposes, whether or not that person was the one who bought them. If the piece you are wearing is faulty or unsafe, bring it to us. We are not going to turn somebody away over a broken claw because they were not the one who paid.

The line falls between the item and the agreement. A fault in the item we will look at, whoever brings it. A refund, a cancellation, a change to the order, a price, or a copy of the paperwork is a matter under the agreement, and that belongs to the buyer.

Where a relationship has ended and two people disagree about who a piece belongs to, that is not something we can decide. We will not take sides, we will not release an item to somebody other than the person who left it with us or the buyer, and we will not disclose one person’s purchase history to the other. A court order, or a written agreement signed by both of you, is what changes that.

These terms work together with:

Returns, Refunds, Repairs and Cancellations · Warranty and Care · Payments and Verification · Shipping, Delivery and Collection · Bespoke and Custom Jewellery · 60-Day Resize Benefit · Production Media · Valuations and Appraisals · Seasonal Notice · Privacy Notice · Cookie Policy · Complaints and CGSO · PAIA Manual · Where We Sell

If your written quote, invoice or order summary sets a specific commercial term for your order, that term applies to that order — but never so as to remove a right the law gives you.

You can read, save and print all of these documents before you buy. Please do.

Online, our checkout shows you the full order, lets you correct mistakes and lets you back out before you pay. When you place the order we record which version of these terms applied, the date and time, and your order reference.

In the showroom, or by email, WhatsApp or telephone, we give you the terms that apply and ask you to confirm you accept them before we rely on anything unusual in them.

Browsing our website does not bind you to anything. If a clause shifts risk to you, limits what you can claim from us, asks you to indemnify us, or records you agreeing to a fact, we will draw it to your attention specifically before you accept.

Nothing in these terms takes away a right, remedy or protection that the law does not allow us to take away.

That includes, where they apply to you:

• your rights in South Africa under the Consumer Protection Act, the Electronic Communications and Transactions Act, POPIA and PAIA;
• your rights in New Zealand under the Consumer Guarantees Act, the Fair Trading Act and the Privacy Act;
• your rights in Australia under the Australian Consumer Law and the Privacy Act; and
• consumer, privacy and product rights in your own country if you are elsewhere.

If any part of these terms conflicts with such a right, that part applies only as far as the law allows, and the rest of these terms continue.

We sell jewellery, bespoke jewellery, diamonds, gemstones, precious metals, sourced pieces, repairs, resizing and related services.

We describe our products accurately. But photographs, CAD renders, videos and display pieces can differ from the finished item in scale, lighting, finish and colour. Stones vary naturally. A render is an illustration of a design, not a photograph of your finished piece.

Not every stone comes with an independent laboratory report. Where a stone has one, we say so and give you the report. Where it does not, we say that too. We never describe a stone as certified unless it is.

A laboratory report is the laboratory’s opinion, not ours. We do not grade stones and we do not issue reports. Laboratories apply their own standards and two of them can grade the same stone differently. A different opinion from another laboratory is not a defect and is not a ground for return — but a stone that is not the weight, shape, treatment or origin described is, and your rights are unaffected in that case. Section 8B of the Returns Policy sets out where the line falls.

Most of what we sell is made after you order it, not taken off a shelf — and that includes items which appear on the website as ordinary products. Section 8A below sets out exactly when an item counts as made to your specification, and what that changes. Please read it before you order; it is not limited to pieces designed from scratch.

The loose diamonds and gemstones listed on our website are not stones we hold in our own vault. They are listed from a specialist third-party stone inventory, and they are on offer to other buyers at the same time as they are on offer to you.

That listing is not updated in real time. There is a delay between a stone being sold elsewhere and it coming off our website. It is usually short. It is not always short. So being able to see a stone, add it to your basket and pay for it does not by itself guarantee that the stone is still there. We would rather say that plainly now than have you discover it after you have paid.

If the stone you ordered is no longer available

If that happens, we tell you, and we offer you a replacement. Anything we offer will be at least as good as the stone you chose — never less. It will be one of:

• a stone matching the specification you selected to at least 90% — the same shape, with carat weight, colour, clarity and cut within that margin;
• a stone of equal grading and equal value; or
• a stone of better grading.

We do not substitute downwards. Not on colour, not on clarity, not on cut, not on carat weight, not on the laboratory report. If we cannot find a stone meeting one of those descriptions, we say so rather than offer you something lesser.

You do not have to accept the replacement. We tell you what we propose and how it is graded, and you may either accept it or cancel that part of your order and be refunded in full. If we cannot reach you, we hold the order — we will not set a stone you have not agreed to.

If the replacement is worth less than what you paid, we refund you the difference. If it is worth more, we do not charge you more unless you have agreed to that in writing.

Prices move

Stone prices change, and they change for reasons outside our control — our supplier’s own pricing, and the exchange rate, because stones are traded internationally and priced in a foreign currency.

The price that applies to your order is the price shown to you when you place it. We do not increase it afterwards.

What we do not do is hold a price for a future order. A price you were quoted last week, saw on the website yesterday, or discussed in the showroom is not reserved for you, unless we have expressly said in writing that we are holding it, and for how long. A quote stating a validity period is such a writing. A screenshot is not.

If a price was wrong

Stone prices reach our website through a feed. There are tens of thousands of stones on it, and we do not price them one by one. We cannot inspect every price, and an error made at source reaches our website without our knowing it is there.

If we are told a price was wrong, we tell you straight away.

What happens then depends on the kind of error, and here the law draws the line rather than us. Section 23 of the Consumer Protection Act requires us to honour the price we displayed — except where that price contained an inadvertent and obvious error, and we correct it and take reasonable steps to tell you. A stone priced at a fraction of what such a stone could possibly cost is an obvious error. A price that is merely lower than we would have liked is not — and in that case the price you were shown stands, and we carry the loss.

Where it genuinely was an obvious error, you may:

• take the stone at the corrected price; or
• cancel that part of your order and be refunded in full, with none of the charges in section 13A.

Either way we will look for an alternative stone for you and tell you what it costs. What we will not do is quietly re-price your order and hope you do not notice.

How long a stone takes

A loose stone takes a minimum of 15 working days from order, and often longer.

Natural diamonds, and some gemstones, must also pass through the South African Diamond and Precious Metals Regulator before they can be released, and comparable authorities apply in some other countries. We do not control that schedule or their volumes. A busy period there extends your lead time whatever we do.

If your stone is going into a piece we are making for you, these two periods overlap — they do not simply add together. We begin CAD, casting and building the setting while the stone is being sourced and cleared. What we cannot do until the stone is physically in our hands is set it and finish the piece.

So a set piece with a sourced stone takes longer than either period on its own, but not the two laid end to end.

The lead time we quote you for your specific order is the one that binds us — see section 9. That is the figure we work to, and if we miss it you may cancel and be refunded in full, under section 13A.

Holds

You can ask us to place a stone on hold while you decide.

• A hold depends on the supplier agreeing to it. We ask; we cannot promise. Some stones cannot be held at all.
• A hold lasts 24 hours, unless we confirm a different period in writing.
• When a hold expires the stone goes back on the market, and so does a stone whose hold was refused.
• If the stone then sells, it is gone. We are not obliged to hold the old price for you, and we are not obliged to find you another stone at that price. We will gladly help you find another one — at what it costs then.

A hold is not a purchase, and it does not reserve a price beyond the hold period.

Images, reports and buying stones to compare

Three further things about stones are set out in Returns, Refunds, Repairs and Cancellations and apply to every stone we sell:

• section 8B — laboratory reports, stones sold on a seller’s opinion rather than a report, and reports that exist only electronically;
• section 8C — what the images and video do and do not promise, and why a stone looks different in daylight; and
• section 8D — why we do not supply stones for comparison, and what we do instead.

This does not touch your rights

Nothing in this section affects your rights if a stone we did supply is defective, not as described, or not what its report says it is. Section 8B of Returns, Refunds, Repairs and Cancellations deals with that.

A quote is valid for 7 days from its date, unless it states a different period. After that, we re-quote at the metal, stone and exchange-rate prices of the day.

Prices can change before you accept, because of exchange rates, metal and stone prices, supplier changes, transport, tax, import costs, or because we have corrected an error.

Diamond and gemstone prices in particular move with the exchange rate and with our supplier’s pricing. We do not reserve a stone’s price for you unless we have said so in writing. Section 6A explains that, and explains how a hold works.

Before you place an order we tell you the full price, the currency, which company you are contracting with, whether VAT or GST is included, delivery and other fees, and who pays import duties. See Payments and Verification.

Nothing is reserved, sourced, made or released until we have confirmed your order and received any deposit or payment we asked for.

Please check your order carefully before you approve it — the description, size, ring size, metal, stone, engraving, delivery details, lead time and price.

Once you approve a quote, a CAD render, a design, an engraving, a stone or a ring size, we make the piece to that approval and we are entitled to rely on it. For made-to-order pieces this matters a great deal, because a bespoke item generally cannot be returned simply because you change your mind — see Bespoke and Custom Jewellery.

Read this even if what you bought looked like an ordinary product on the website. This section is not limited to a piece designed from scratch with a designer, and reading it that way is the misunderstanding we most want to prevent.

A setting shown on a product page is a product. But a setting on its own is not a finished piece of jewellery. It becomes one when a stone goes into it, in your size — and at that point it was made for you.

Your item is made to your specification where any of the following is true:

• you built it — you chose a setting and then chose the diamond or gemstone that goes into it, whether through our Ring Builder, Earring Builder or Pendant Builder, or with our help in the showroom;
• you chose the stone — from the stones listed on our website, from stones we showed you, or from a stone sourced to your brief;
• you supplied the stone — your own stone, an heirloom, or one bought elsewhere;
• it was made or sized to your ring size or measurements;
• it carries engraving you specified; or
• a standard design was changed at your request — a different metal, a different setting style, altered proportions.

Choosing from options we offer you is still specifying. You do not have to have drawn anything, briefed a designer, or used the word “bespoke”. Deciding which stone goes into which setting in which size is a specification, and the piece that comes out of it exists because you asked for that combination.

Why these are treated differently

There is no second customer waiting for your exact combination in your exact size. If the piece comes back it does not go onto a shelf — it is broken down, the stone returns to inventory and the setting has to be re-made. That is a real cost, and it is why the law allows this category to be treated differently from stock goods.

Which cooling-off right you have, if any

There are two different cooling-off rights in South African law and they work differently. Find your row.

Why the two rights are not the same

Section 44 is about buying at a distance. You ordered something you could not see or handle, so the law gives you seven days from delivery to change your mind — the impulse purchase, the accidental order. It does not apply to a piece made to your specification, because there is no second customer for a setting built to one person’s brief with one person’s stone in one person’s size.

Section 16 is about being approached. It applies only where the sale resulted from direct marketing — an email campaign, an SMS, a direct message, or an approach we made to you personally. Its concern is the pressure of the approach, not whether the purchase was impulsive and not the nature of the goods. That is why Parliament excluded custom goods from section 44 but did not exclude them from section 16.

So if you found us yourself and ordered a made-to-specification piece, you have no cooling-off right at all — and section 13A tells you what cancelling costs instead. If we approached you to sell it, you keep the five business days, they run from the later of conclusion or delivery, you cancel without reason and without penalty, none of the section 13A charges apply, and we refund you within 15 business days.

What you keep either way

Every right you have if the item is defective, unsafe, not as described or not fit for purpose — including the six-month right under section 56 of the Consumer Protection Act, and the Consumer Guarantees Act where Ralph Jacobs NZ Limited sold to you. We do not ask you to give any of those up, and we could not if we wanted to. A cooling-off right is about changing your mind. Nothing above touches what happens when something is actually wrong.

We tell you before you pay. Where this applies to your order it appears on the product page and again at checkout, not only here.

A loose stone you have not had set is not in this category. It has its own seven-day window — section 8A of Returns, Refunds, Repairs and Cancellations.

Section 2A of Bespoke and Custom Jewellery sets out the same position in more detail.

Lead times we give you are estimates unless we agree a specific date with you in writing.

Almost everything we sell is manufactured after you order it, and manufacture alone takes a minimum of 20 working days — roughly four calendar weeks — before delivery. Sourcing a stone, CAD approval rounds, hallmarking, setting and finishing can extend that. This is not a stock item being picked off a shelf; it is a piece being made.

A sourced stone extends this. A loose stone takes a minimum of 15 working days, and natural diamonds and some gemstones must additionally clear the South African Diamond and Precious Metals Regulator, or its equivalent elsewhere, on a schedule we do not control. The stone period and the manufacturing period overlap rather than run one after the other — we build the setting while the stone is being sourced — so a set piece takes longer than either alone, but not the two added together. Section 6A explains it.

For online orders the law gives you delivery within 30 days unless we expressly agree a longer period with you before you order. Because our minimum build alone approaches that limit, we agree that longer period with you at checkout — the lead time for your specific piece is shown before you pay, and placing the order is your agreement to it. If we then miss the agreed period, you may cancel and we refund you in full.

Timelines can be extended by late approval or payment, incorrect details, supplier or courier delay, customs, verification checks, strikes, public holidays, our seasonal closure, or events outside our control. We will tell you as soon as we know.

Payments and Verification explains how you pay, when we treat payment as received, refunds and chargebacks.

We do not lend money or provide credit. Where a buy-now-pay-later option appears at checkout, an independent provider grants that credit and your agreement is with them.

If you pay us by electronic funds transfer, telephone us and confirm the account before you pay. We publish our banking details at payments.ralphjacobs.org and nowhere else, and we will never tell you by email alone that they have changed. See Payments and Verification section 2A.

We may need to verify your identity, address, payment instrument or, in some cases, your source of funds. We may hold an order while a payment, fraud or legal check is completed. If we do, we tell you.

South African law treats businesses that deal in high-value goods as accountable institutions. Where you pay R100,000 or more for goods, in one payment or in linked payments, we are legally required to verify who you are, and in some cases to establish where the funds come from and who ultimately benefits from the purchase.

Where those duties apply we may:

• verify your identity, and the identity and authority of anyone acting for you;
• establish who owns and controls a company buying from us;
• ask about source of funds or source of wealth;
• screen against sanctions and politically exposed person lists;
• hold release or delivery until the checks are complete; and
• make reports to the Financial Intelligence Centre where the law requires it.

This is not an accusation and it is not discretionary. It applies to legitimate customers making ordinary purchases. There are some reports we are legally prohibited from discussing with you, and we will say so plainly rather than mislead you.

Shipping, Delivery and Collection applies.

If your parcel is lost or stolen before it reaches you, we replace it at no cost, and the manufacturing time applies again. You agree to allow us that replacement period, and you may cancel for a full refund only in the cases set out in Shipping section 5A, which include our missing the new delivery date and any right your country’s law gives you.

Requests to deliver to someone else, reroute a parcel, release without signature, use your own courier or send to an unusual address need our separate written agreement, and may require extra identity checks. These are high-value items and this is how they get stolen.

Returns, Refunds, Repairs and Cancellations applies.

Bespoke, personalised, engraved, altered, built and sourced-to-order pieces cannot be returned because you changed your mind. Section 8A sets out when an item falls into that category — and it covers far more than pieces designed from scratch. Your rights if an item is defective, unsafe, not as described or not fit for purpose are unaffected, and we do not ask you to give those up.

Cancelling an order is dealt with separately in section 13A, which sets out the four situations in which you cancel at no cost, and what a cancellation costs you at each stage of production if none of them applies. Please read it before you order.

Returns, cancellations and refunds are dealt with through the person who bought the item. Section 2A explains why, and explains what we will still do for somebody wearing a faulty piece who did not buy it.

Please read this before you order. It is the term most likely to cost you money, so we have set it out in full rather than burying it.

We start committing money to your piece almost immediately — securing a stone, ordering metal, booking bench time, beginning CAD. Those costs are real, they are incurred before you ever see the piece, and most of them cannot be undone. Gold that has been cast and worked is not simply melted back into what it was; the refining loss and the bench hours are gone. A stone secured to your brief is a stone we now own.

When you can cancel at no cost

Four situations, and in each of them you pay nothing:

Everything else

Once you have placed an order for a made-to-specification piece, it is not cancellable at will.

Section 17 of the Consumer Protection Act gives consumers a right to cancel an advance order — but it expressly does not apply to special-order goods, which the Act defines as goods a supplier was required or expected to *procure, create or alter specifically to satisfy the consumer’s requirements.* Section 8A of these terms sets out when your piece is one of those. For almost everything we sell, it is.

You may still ask to cancel, and we will not pretend you cannot. What changes is what it costs you.

What it costs

The unrecoverable charges

These apply at every stage, on top of anything in the table above. They are not our margin — they are money that has already left the business and that nobody returns to us when an order is cancelled.

All of the above exclude VAT. Where Ralph Jacobs SA (Pty) Ltd sold to you, VAT is added at the standard rate. Ralph Jacobs NZ Limited is not registered for GST, so no GST is added to a charge from that company.

The percentage matters more than people expect. On a R200 000 order paid through a high-cost method, the processing fee alone can exceed R14 000 — before any of the production costs in the table above. This is the single strongest reason to be certain before you place the order, and it is why we set it out here rather than in a schedule you would never find.

What happens to the piece

We keep it. A cancelled piece is not released to you, and we recover what we can by reselling or breaking it down. Cancelling is not a route to acquiring the piece at our cost — you receive goods only if you complete your order.

Two things you do get back:

• Anything you paid above the committed cost. If you have paid more than the costs we had actually committed at the point you cancelled, the difference is refunded to you.
• What we genuinely recover on an unset stone. If your order is cancelled before the stone is set, and the stone goes back into our saleable inventory intact, we credit you what we actually recover on it, net of any restocking or handling charge our supplier levies. We do not credit scrap value on metal that has been cast or worked, because there is no meaningful recovery there — and we will tell you so rather than imply otherwise.

We show you the figures

If you cancel and we charge you, you may ask for the breakdown, and we will give it to you — what was committed, when, and to whom. We keep that record for every cancelled order. A charge we cannot evidence is a charge we should not be making.

This does not touch your statutory rights

Nothing in this section limits your rights if something is wrong with the item, and nothing in it applies to a cancellation under section 16 of the Consumer Protection Act. We do not ask you to give up any right the law does not allow us to take.

Warranty and Care applies. You get the warranty the law gives you, plus any written warranty we issue for your specific piece.

We do not offer a lifetime warranty unless we have given you a separate written warranty document saying so for that item.

If the problem is with the piece itself (a fault, damage, or a repair), email claims@ralphjacobs.org. For anything else, email complaints@ralphjacobs.org. Include your order number, proof of purchase, photographs where they help, and what has gone wrong.

We aim to give you a substantive response within 15 business days of having enough information to assess it. Some things — stone verification, laboratory work, a supplier investigation, workshop testing — take longer, and we will tell you if yours is one of them.

You do not have to wait for us. You can go to the Consumer Goods and Services Ombud free of charge, to the National Consumer Commission, to the Information Regulator for a privacy matter, or to a court. See Complaints and CGSO.

Privacy Notice and Cookie Policy explain what we collect, why, who we share it with and what rights you have. Our PAIA Manual explains how to request records.

We would rather set this out properly than leave you to find out later. Some of our liability cannot be limited by law, and we do not try. Some of it we do limit — and this section says exactly how much, and in which situations.

What we never limit

We do not limit, and in most cases could not limit, our liability for:

• death or personal injury;
• fraud, dishonesty or wilful misconduct;
• gross negligence — section 51(1)(c)(i) of the Consumer Protection Act makes any attempt to limit it void;
• harm caused by unsafe or defective goods under section 61, which makes us liable as the retailer whether or not we were negligent;
• your rights if goods are defective, unsafe, not as described or not fit for purpose — sections 55 and 56;
• loss of or damage to your own property while it is in our hands — section 65(2). Section 9A of Returns, Refunds, Repairs and Cancellations and the declared value on your Goods Received Form govern that, not this section;
• goods before they are delivered to you, which remain at our risk under section 19; or
• anything else the law does not permit us to limit.

What we do limit: loss that flows on from the problem

We are not liable for indirect or consequential loss — meaning loss that is neither the piece itself nor the money you paid us. That includes:

• loss of profit, income, business, contracts or opportunity;
• wasted expenditure on arrangements made around the piece;
• loss of anticipated savings; and
• distress, disappointment or inconvenience, except where the law provides for it.

Weddings, engagements and occasions — read this one twice

A late piece is a real problem and we treat it as one. What we do not carry is the cost of the event around it.

If your piece is late, section 13A gives you the remedy: you may cancel and we refund you in full. That is what we stand behind, and it costs you nothing.

We are not liable for the cost of the occasion — the venue, the catering, the flights, the accommodation, the photographer, the rescheduling, or a second ceremony. Those costs run to many times the value of a ring, they are outside our control, and we do not price our work to carry them.

So if your piece is for a specific date, tell us before you order. We will either commit to that date in writing or tell you plainly that we cannot make it. Being told “we cannot make it” in time is worth far more to you than a claim afterwards. Please do not leave it to a note in the order comments.

The cap on everything else

For any liability that is not in the “what we never limit” list above, our total liability to you is limited to the greater of:

• R50 000; or
• 20% of the amount you have paid us for the order concerned.

Whichever of the two is higher is the one that applies to you. On most orders that is the R50 000 figure. Above R250 000, the percentage takes over and the limit rises with what you paid — because a fixed figure that made sense on a modest order would not be a fair limit on a substantial one, and we would rather write a limit that holds than one that looks strong and fails when it matters.

On an order of R100 000 or more we bring this limit to your attention individually, as part of the verification and documentation that applies to orders of that size, and we ask you to acknowledge it there rather than relying on a tick at checkout.

What the cap does not touch

This is the part most people misread, so we will be plain. The cap does not reduce:

• your refund. If you are entitled to your money back — under these terms, under section 13A, or under the Consumer Protection Act — you get all of it. The cap has nothing to do with refunds;
• a repair or a replacement you are entitled to;
• the declared value of your own property that we were holding; or
• anything in the “what we never limit” list.

The cap applies to damages claimed beyond those remedies. It is not a ceiling on getting your money back.

Drawn to your attention

Section 49 of the Consumer Protection Act requires a term like this to be brought to your attention in plain language before you buy, and to be acknowledged. That is why it appears at checkout with its own acknowledgement, and not only here.

Your order is governed by the law stated on your quote, checkout, invoice or order confirmation.

Unless it says otherwise:

• for transactions with Ralph Jacobs SA (Pty) Ltd, South African law applies; and
• for transactions with Ralph Jacobs NZ Limited, New Zealand law applies.

This does not remove consumer, privacy, tax or other rights that apply to you because of where you live or where the goods are delivered. See Where We Sell.

We may update these terms. The version that applies to your purchase is the version published when you placed your order, not a later one.

Every version we have published, with the dates it applied, is kept at ralphjacobs.org/versions/.

Ralph Jacobs SA (Pty) Ltd · Registration number 2019/101093/07 · VAT 4340289992

1 Kiewiet Street, Lake Umuzi Waterfront, Secunda, Mpumalanga, 2302, South Africa

Ralph Jacobs NZ Limited · Company number 9334729 · NZBN 9429052764752

Unit 4, 69 Boundary Road, Claudelands, Hamilton 3214, New Zealand