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 the interest rate applicable to your agreement is stated, shall be sufficient proof of your indebtedness in any legal proceedings and shall be regarded as prima facia proof until you prove that the amount or the interest rate is incorrect.
If for any reason or purpose 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 such rights.
In terms of section 45 of the Magistrate's Court Act, 32 of 1944, ("MCA") 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, which in terms of section 28 of the MCA, has jurisdiction. We can however choose to institute action against you in any other court having jurisdiction.
The home address you gave us when completing the application form is the address which you choose where legal notices and any process may be served on you (your “domicile address”) in the manner you elected in your Application. Your mail address (be it residential, postal or electronic) will be used to forward statements, notices or other communication. You must inform us if you move to another address or change your address.