Split n Save Terms & Conditions

1About Split n Save

1.1 HmperCo Split n Save is a shared bulk-purchasing service operated through the HmperCo Platform. It allows you to participate in selected bulk-purchasing opportunities by securing only the quantity you personally need, instead of having to buy an entire bulk pack yourself. Other customers may secure the remaining quantities from the same pack.

1.2 When the required target quantity for an opportunity is reached, the applicable bulk-purchasing price or saving is unlocked for every customer who validly participated in that opportunity, subject to the specific offer's terms.

1.3 Split n Save is not a savings account, investment product, deposit account, interest-bearing account, or financial savings product of any kind. The word "Save" refers only to the potential saving achieved through shared bulk purchasing — it does not describe a place where your money is held, grows, or earns interest.

2Legal Framework & Important Disclaimer

• Consumer Protection Act 68 of 2008 ("CPA") — sections 41 and 29 govern fair, accurate representation of the "regular/reference price" and "Split n Save price" shown for an opportunity, so that the displayed saving is genuine and not misleading; sections 55–56 (implied warranty of quality) and section 19 (conforming delivery) apply in full once your secured quantity is fulfilled and delivered.
• Electronic Communications and Transactions Act 25 of 2002 ("ECTA") — section 43 governs the order-review opportunity given to you before you confirm a transaction to secure a quantity, and section 44 governs your cooling-off right where applicable to the fulfilled Product (see the Returns Policy for category-specific exclusions, such as perishables).
• Banks Act 94 of 1990 — because Split n Save is explicitly not a deposit-taking, savings, or investment arrangement, it does not constitute "deposit-taking business" regulated under the Banks Act; your payment is consideration for a purchase of goods (once your quantity is secured and the target is reached), not a deposit placed with HmperCo.
• Financial Advisory and Intermediary Services Act 37 of 2002 ("FAIS") and the Collective Investment Schemes Control Act 45 of 2002 — do not apply to Split n Save, as it does not constitute the provision of financial advice, an intermediary financial service, or a collective investment scheme; no interest, investment return, or profit-share is offered on funds paid.
• Protection of Personal Information Act 4 of 2013 ("POPIA") — governs personal information processed in connection with your participation, as described in clause 20.

3How Split n Save Works

1. Follow an opportunity. You may follow or track a Split n Save opportunity. Following is an expression of interest only — see clause 5.
2. Secure your quantity. When you wish to participate, select the quantity you want and complete the payment or transaction process shown by HmperCo — see clause 6.
3. Share the bulk quantity. Other customers may secure quantities from the same opportunity; the Platform records the combined quantity secured.
4. Reach the target. When the required target quantity is reached, the opportunity is marked "Target Reached" and the applicable Split n Save price or saving is applied according to that opportunity's terms.
5. Fulfilment. Once the applicable conditions are satisfied, your order proceeds to delivery, collection, or another fulfilment method specified by HmperCo, subject to the Delivery & Logistics Policy.

4Worked Example

A supplier makes available 12 × 2kg packs at a regular/reference price of R79.99 per pack. The Split n Save price is R62.99 per pack. Instead of one customer buying all 12 packs, different customers might secure quantities as follows:

Once the target is reached, the Split n Save saving is applied to every participating customer according to that opportunity's terms.

5Following an Opportunity

5.1 Following an opportunity means "I am interested in this opportunity" — nothing more. Following an opportunity:

• does not constitute an order;
• does not secure stock or reserve a quantity for you;
• does not require payment;
• does not guarantee the displayed price will still apply when you later secure a quantity; and
• does not guarantee the opportunity will reach its target.

5.2 You may follow multiple opportunities at the same time, subject to the functionality made available on the Platform.

6Securing a Quantity

6.1 Selecting "Secure my quantity" indicates you wish to participate in that specific opportunity. You must select an available quantity and complete the applicable transaction/payment process.

6.2 A quantity is only considered secured once HmperCo confirms the transaction — not merely once you click "secure."

6.3 Before you confirm payment, you are shown the quantity, unit price, and total amount payable, and have the opportunity to review and correct this before confirming, consistent with section 43 of ECTA.

7Target Quantity & Progress Tracking

7.1 Each opportunity may display a target quantity (the total quantity required for that bulk-purchasing opportunity to unlock its price), which may be reached through one or multiple participating customers.

7.2 "Quantity secured" is the combined valid quantity secured by all participating customers so far. "Quantity still needed" is the target quantity minus the quantity secured. For example, where the target is 12 packs and 8 have been secured, the quantity still needed is 4 packs, and progress is displayed as 8/12 (66.7%).

7.3 HmperCo will endeavour to ensure displayed progress information accurately reflects current transaction data, but does not guarantee real-time accuracy to the second — see clause 18 on technical errors.

7.4 You can track your participation using the "Track my Split n Save" functionality where available on the Platform.

8Split n Save Pricing & Reference Price

8.1 Where HmperCo displays a regular/reference price alongside a Split n Save price, the displayed saving is calculated using the actual prices applicable to that opportunity (for example, a regular price of R79.99 against a Split n Save price of R62.99 reflects a saving of R17.00 per pack), consistent with your right under the CPA to fair, accurate, non-misleading pricing representations.

8.2 Prices and savings differ between products and opportunities and are displayed before you secure a quantity.

8.3 HmperCo may also display: the target quantity, quantity secured, quantity still needed, the opportunity deadline, and any applicable offer conditions.

9Payment & Confirmation

9.1 Payment is only required when you choose to secure a quantity and the particular opportunity requires payment. The amount payable is displayed before you confirm the transaction.

9.2 Payment is processed via HmperCo's accredited payment service providers — Ozow, Yoco, PayFast, Capitec Pay, EFT, and Pay on Delivery where offered for that opportunity — per the Payments Policy, which applies to Split n Save transactions in full.

9.3 Following successful payment, HmperCo provides confirmation including: the product, quantity, amount paid, the specific opportunity, a transaction/reference number, status, and next steps.

10Order & Participation Status

11If the Target Is Not Reached

11.1 Each opportunity states what happens if the required target quantity is not reached by its deadline. Depending on the opportunity, HmperCo may provide: a refund; an extension of the opportunity; an alternative purchasing arrangement; an alternative price where available; or another clearly stated outcome. This is communicated to you before or during participation, wherever reasonably possible.

11.2 Refund-first principle. Where commercially and operationally practical, and where the target cannot be reached and HmperCo cannot fulfil your purchase under the stated offer, HmperCo's intention is to prioritise refunding you promptly over other remedies, in accordance with the specific offer and applicable law.

12Product & Supplier Availability

Split n Save opportunities are subject to product and supplier availability. Reaching the target quantity does not itself create stock where none exists at the relevant supplier. If an unexpected supply problem prevents fulfilment after a target has been reached, HmperCo will communicate this to affected customers and provide the applicable remedy (typically a full refund) in accordance with the offer and applicable law.

13Quantity Limits & Multiple Units

13.1 HmperCo may impose minimum or maximum quantities per customer for a specific opportunity (for example, a maximum of 4 packs per customer), to ensure fair access. Any applicable limit is displayed before you complete your transaction.

13.2 You may secure more than one unit where the specific opportunity permits this.

14Cancellations

Your cancellation rights depend on: the product; the specific opportunity's terms; the transaction status; the fulfilment status (in particular, whether the product has been dispatched); the reason for cancellation; and your rights under South African consumer law, including your rights under the Returns Policy once an item is fulfilled and delivered. Nothing in this policy removes a consumer right that cannot lawfully be excluded.

15Refunds

Where a refund is due — whether because a target was not reached, an opportunity was withdrawn, a supply problem arose, or under the Returns Policy once fulfilled — HmperCo processes it through the payment channel used, or another appropriate method (for example, EFT for Pay on Delivery transactions), following the same processing approach and indicative timeframes set out in clause 12 of the Returns Policy and the Payments Policy. The time for funds to reflect in your account depends on your payment provider or financial institution.

16Delivery & Collection

16.1 Where delivery is available for a fulfilled Split n Save order, applicable delivery charges, delivery areas, and estimated delivery information are displayed through the purchasing process, and the Delivery & Logistics Policy applies in full. A Split n Save saving does not automatically include delivery charges unless expressly stated for that opportunity.

16.2 Where collection is available, follow the collection instructions provided by HmperCo and be ready to provide your order or transaction reference.

17Promotional Opportunities

Some Split n Save opportunities may be promotional, with conditions such as limited quantity, limited duration, per-customer quantity limits, specific delivery areas, specific payment methods, or other qualifying requirements. The specific promotional terms disclosed for that opportunity apply, in addition to the Promotions, Events, Competitions & Marketing Policy.

18Changes to an Opportunity & Technical Errors

18.1 HmperCo may pause, amend, close, or withdraw an opportunity where reasonably necessary, including due to stock or supplier availability, pricing changes, technical problems, incorrect information, fraud, abuse, legal requirements, or circumstances outside HmperCo's reasonable control. Where you have already completed a transaction, HmperCo deals with it in accordance with the applicable terms and law.

18.2 If a technical error results in incorrect pricing, quantity, availability, progress, payment status, order information, or other material transaction information, HmperCo will investigate and correct the error. Where a completed transaction is affected, HmperCo deals with the matter in accordance with applicable law and your applicable rights.

19Account Security, Fraud & Misuse

19.1 You are responsible for maintaining the security of your HmperCo Account and login information, and must notify HmperCo immediately at info@hmperco.co.za if you believe your Account has been accessed or used without authorisation.

19.2 You must not: create fraudulent or multiple accounts to circumvent quantity limits; manipulate Split n Save quantities or target progress; use stolen or unauthorised payment methods; submit false information; interfere with another customer's transaction; exploit technical errors; use another person's Account without permission; or otherwise attempt to obtain an unfair benefit. HmperCo may investigate suspected abuse or fraud and restrict or suspend an Account where reasonably necessary, in accordance with the Fraud, Abuse, Account Security & Responsible Disclosure Policy.

20Personal Information & Electronic Transactions

20.1 HmperCo processes personal information necessary to create and manage your Account, process transactions and payments, fulfil orders, communicate with you, provide support, prevent fraud, resolve disputes, improve HmperCo's services, and comply with legal obligations, as described in the Privacy Policy.

20.2 You may enter into Split n Save transactions with HmperCo electronically; electronic communications, confirmations, and transaction records may be used as evidence of your transactions, subject to ECTA.

21Request an Offer

Where HmperCo provides a "Request an offer" function, you may use it to suggest products or bulk opportunities you would like HmperCo to consider for a future Split n Save opportunity. Submitting a request does not guarantee HmperCo will publish or accept the proposed offer.

22Complaints & Dispute Resolution

22.1 Contact HmperCo regarding payment problems, incorrect quantity or pricing, missing orders, delivery or collection problems, refunds, cancellations, account access, suspected fraud, product problems, or any other Split n Save concern, via thankyou@hmperco.co.za.

22.2 HmperCo will seek to resolve disputes fairly and reasonably. Submit your dispute through HmperCo's customer-support process first, providing your transaction/reference number and relevant details; if unresolved, escalate in accordance with the Complaints, Escalation & Dispute Resolution Policy, including referral to the Consumer Goods and Services Ombud or National Consumer Commission.

23Changes to These Terms & No Guarantee of Future Opportunities

23.1 HmperCo may update these Terms from time to time; the latest version is made available on the Platform. Changes affecting an existing transaction are handled consistently with applicable law and the terms applicable to that transaction at the time.

23.2 Following an opportunity does not guarantee: stock availability; a particular future price; a particular quantity; that a target will be reached; that an opportunity will remain open; or that the same opportunity will be offered again.

23.3 These Terms operate under the laws of the Republic of South Africa. Nothing in these Terms is intended to exclude or limit a consumer right that cannot lawfully be excluded or limited.

24Contact Details