Tel: +1 646 851 2309

PPC Terms and Conditions

Basic Terms and Conditions


Thank you once again for selecting New World Immigration to process your visa application. Our terms and conditions document is a short, concise description of our legal arrangement with you. We hoped, when drafting this document that it would be clear enough to read and not be saturated with legal jargon unfamiliar to most. Our aim is to be transparent so you remain comfortable in engaging our services.


Our commitment to you and Refund Policy


You have trust in us otherwise we wouldn’t be at this point. We aim to preserve that trust and deliver an exceptional service and most importantly manage your expectations from beginning to end. If we fail to do this by not being able to deliver an approved visa application, we will provide a full refund ( no questions asked ). It is however your responsibility to deliver to us all accurate information pertaining to your case so we can provide a service based on this information. Refunds will not be granted if false information that was passed to us leads to a refusal. New World Immigration will also not be held liable for more than 100% of the fees paid over to us for our services. Any personal external causes of withdrawal once our intellectual property has been disclosed will also not result in any refund!


The Disclosure of Intellectual Property


The reason why you have chosen us is because of our expertise, knowledge and understanding of the Immigration System relevant to your case. Once we provide our intellectual property to you, our full fees become due. Intellectual property would constitute as the disclosure of forms and documentation lists with explanations on how to complete and apply for certain documents relating to your application.


Customer Satisfaction


We love hearing that we have done a good job and we enjoy positive feedback. We are however not afraid to hear when we have done something
wrong. If you feel that our service to you is under par, please feel free to contact us directly on feedback@nwisouthafrica.co.za


Fees and Making Payment


Please note that the fees charged constitute as service fees and exclude any 3rd party or government fees. A breakdown of the fees charged for our service to you can be found in the attached document. You can make payment by credit card below or by contacting your case representative. Alternatively payments can be made by EFT to New World Services Group, ABSA BANK, Account Number:4074611736, Branch Code: 632005 - International Transfer Swift Code: ABSAZAJJ – ( if applicable )
Reference: Your last name

Payment Plans

In some instances, payment plans will be agreed upon with your consultant. Failure to maintain the agreed payment schedule will result in a suspension on your case and a non payment interest of 20% of the balance owing on that installment. This charge will automatically be charged to your file 3 days after you default on your payment regardless of the physical work done on your file.
Accepting this agreement

By making payment, you agree to the terms and conditions of service

 

Detailed Terms of Service and Terms of Usage on www.nwivisas.com

WEBSITE TERMS AND CONDITIONS

 

TERMS AND CONDITIONS OF USE OF www. /

 

(including: /south-africa/, /australia/,

 

1. Definitions and purpose of Terms and Conditions

 

1.1. in these Terms and Conditions:

 

1.1.1. "we", "us" and "our" refers to New World Immigration South Africa, registration number 2009/116313/23 and includes our subsidiaries;

 

1.1.2. "you", "your" or "yourself" refers to the person using the website;

 

1.1.3. "website" means the collection of web pages located at www. (including: www. nwivisas.com/ /south-africa/, /australia/

 

1.1.4. "electronic communications and transactions act" means the electronic communications and transactions act, no. 25 of 2002 and any regulations under such act;

 

1.1.5. "electronic communication" as the meaning set out in the electronic communications and transactions act.

 

1.2. Please read these terms and conditions carefully as they contain important information about our relationship with you in respect of your use of the website and any information which you may obtain from the website. you should read these terms and conditions together with our privacy policy.

 

1.3. Please click on any hyperlinks contained in these terms and conditions as the information contained in these hyperlinks also forms part of these terms and conditions.

 

1.4. By using our website, you are agreeing to accept these terms and conditions. such agreement is concluded in Johannesburg at the time you first enter our website, if you are a first time user, or, if you are a regular visitor to our website, the first time that you enter our website following the publication of these terms and conditions.

1.5. If there are any terms and conditions which you do not understand, or do not want to accept, you may not use this website. in this case, please contact us directly.

1.6. We may change the terms and conditions from time to time, in which case the updated terms and conditions will apply to our relationship and your use of this website, so please make sure that you visit this page regularly to familiarise yourself with any changes.

2. Who we are and what we do

2.1. We are an Immigration company based in Cape Town, South Africa

2.2. We provide a comprehensive range of products to our clients, which include the compilation of visa applications on behalf of our clients.

2.3. We market our products using direct marketing methods.

3. Content and use of this website

3.1. Our website contains information about us, the products that we offer and other information that you may find interesting. However, the information is not exhaustive so if you have any questions or need any more information, please contact us by clicking here.

3.2. We may change the information on the website from time to time or we may discontinue parts of our website or the products and services we offer on our website. if you are not sure whether the information that you have is correct, or if you are not sure whether you have the latest information available, please contact us.

3.3. We grant you a non-exclusive, non-transferable licence to view, download, save and print the content of our website but you can only use such content for legitimate private, personal, educational and/or non-commercial purposes or for legal and/or evidentiary purposes.]

3.4. You may not use any content from our website for commercial or non-private purposes unless we agree in writing prior to you using such content.

3.5. We may deny you access to this website at our discretion, or if you do not comply with these Terms and Conditions.

3.6. You use this website at your own risk.

3.7. You may not use our website, or any of the products or services that we offer:

 

3.8.1. For harmful purposes (such as causing annoyance, inconvenience, harassment or anxiety to others);

 

3.8.2. For unlawful or illegal purposes (such as exploitation or purposes that may create a privacy or security risk to any person);

 

3.8.3. To disclose, share or publish any material that may be offensive, defamatory, may violate or infringe the rights of others, is false, misleading, obscene, indecent, pornographic, discriminatory, oppressive, racist, sexist, bigoted, offensive, abusive, and/or threatening, constitutes hate speech or contains foul, threatening or offensive language, promotes any harm or illegal activities, or which may have the effect of causing embarrassment or injury to us;

 

3.8.4. For the purpose of impersonating any person (for example, by using somebody else's username and password to login to this website);

 

3.8.5. To collect or obtain any personal information about other users; or

 

3.8.6. To create, store or send any unsolicited communications to any person.

 

3.9. The caching of our website is allowed, if:

 

3.9.1. The purpose of the caching is to make the online transmission of content from our website more efficient;

 

3.9.2. The cached content is not modified in any way;

 

3.9.3. The cached content is updated at least every 24 hours; and

 

3.9.4. The cached content is removed or updated if we require this.

 

3.10. It is your responsibility to ensure that you have, and maintain at your cost, any computer hardware, software, communication lines and internet access accounts necessary to access our website and/or to download any content from our website. The software and hardware needed to access our website may change from time to time.

 

4. Electronic transactions

 

4.1. No offer

 

4.1.1. The information on our website is not an offer from us to you to enter into any legal or contractual relationship.

 

4.1.2. If you are interested in buying any of our products or services, you can call us, or ask us to call you, or ask us to send you an online quote but, before you can buy any of our products and services, you need to complete the necessary forms and we may need to ask you for certain information or documents.

 

4.1.3. We have the right to refuse any application submitted to us in our sole and absolute discretion.

 

4.2. Online quotes

 

4.2.1. You may use our website to request quotes for our products and services.

 

4.2.2. Any quote that we provide to you is valid for the time period set out in the quote and is provided on the basis of the information that you have given us.

 

4.2.3. Any Terms and Conditions contained in any quote provided by us will, in the event of a conflict with these general Terms and Conditions, override these general Terms and Conditions.

 

4.3. Applying to buy products or services from us using our website

 

4.3.1. Step 1: You need to complete a call me back lead form. Submitting a lead form does not put you under any obligation to buy any of our products and/or services and it does not put us under any obligation to sell any of our products and/or services to you.

 

4.3.2. Step 2: When we receive your lead form, a consultant will contact you to complete the application process with you.

 

4.3.3. Step 3: Once we have completed the application with you, we will send a written proposal to you, setting out the terms on which we propose that you buy from us, and we sell to you, our products and/or services ("proposal").

 

4.3.4. The proposal will include any Terms and Conditions applicable to our products or services, which, in the event of a conflict with these general Terms and Conditions, will override these general Terms and Conditions.

 

4.3.5. Step 4: Once you have received our proposal, you should review the proposal and you may: (a) correct any incorrect details in the proposal, or submit new details to us, in which case, we will need to re-evaluate the application again and send you an amended proposal (so we will go back to step 2); or (b) tell us that you would like to go ahead on the basis of the proposal; or (c) walk away with no obligations.

 

4.3.6. Step 5: If you decide that you would like to go ahead on the basis of the proposal, you need to advise us accordingly. If you accept the proposal, you are offering to enter into a legal transaction with us, on the terms that we propose in the proposed transaction ("your offer").

 

4.3.7. Once you have accepted our offer, you cannot then cancel the transaction unless we agree in writing, although you retain your right to cancel the policy within the cooling-off period provided by the policyholder protection rules under the long-term insurance act, no. 52 of 1998 [or any other applicable legislation].

 

4.3.8. Once you have accepted the offer, you have agreed to pay the fees and monthly premiums set out in our proposal.

 

4.3.9. By accepting our offer, you are authorising us to debit your bank account on a monthly basis with the amount agreed between us in the proposal. You agree that we may use your bank account information as set out in the application form.

 

4.3.10. We will start debiting your bank account from the date agreed between you and us in the proposal, for so long as the transaction between us remains in force.

 

4.3.11. If your bank account details change, please contact us.

 

4.3.12. You agree that we are not obliged to refund any monies paid to us by you for the purchase of our products and/or services, and you agree not to reverse any payments made to us for any reason.

 

4.4. Consent

 

4.4.1. In order for us to give you a quote, you will need to give us some personal information about you, such as information concerning your health, your age, your lifestyle, etc. which will be conducted with one of our consultants telephonically.

 

4.4.2. We have a privacy policy which sets out how we protect personal information that we receive about you but it remains important that you keep your details private and don't let other people use it.

 

4.4.3. By using the online tools on our website (the lead form), you agree that we may send information to you electronically (by e-mail, facsimile or sms) using the contact details that you have given to us. If you would prefer that we do not communicate with you electronically, please contact us and let us know.

 

4.5. Full disclosure and truthfulness of information provided by you to us

 

4.5.1. By sending us any information about you (whether you send this to us online or in another way), you are warranting that you are who you say you are and that all the information that you are sending us is completely accurate, true and correct.

 

4.5.2. Please provide us with comprehensive information about you and your circumstances as, if you fail to disclose material information to us, this could affect the validity of any products or services that you buy from us. similarly, if you give us information about you that is not true, this may affect the validity of any products or services that you buy from us.

 

4.5.3. If we need any additional information about you, we will ask you for this. You also need to make sure that the information that we have about you is up-to-date and correct, so please let us know if any of the information that you have previously sent to us changes.

 

4.5.4. You agree that we may assume that all communications which purport to come from you do actually come from you or were authorised by you, and are correct in terms of the information, or instructions, the communications contain, unless you can prove otherwise. In this respect, you understand that information transmitted by the internet is susceptible to monitoring, interception and distortion and you agree to accept this risk if you submit information to us on our website.

 

4.5.5. We may ask you to verify any information that you submit to us and, if you cannot do so, we may refuse to provide you with an online quote or we may turn down any online application that you send to us.

 

4.6. Electronic communications

 

4.6.1. By using our website, or submitting requests on our website for us to call you, you are agreeing to receive communications from us electronically and accept any risks associated with doing this.

 

4.6.2. If you send us any information electronically, you agree that we can act on, and rely on, this information. You also need to make sure that, if you send us information electronically, we have received this.

 

4.6.3. If we need to send you any agreements, notices or other communications, you agree that we can send this to you electronically and you agree that, by us sending it to you electronically, this constitutes communication in writing.

 

4.6.4. If we send communications to you, these are strictly confidential and are intended for you only.

 

4.6.5. If you would prefer not to receive communications from us online, you need to contact us to let us know and tell us what your preferred method of communication is.

 

4.6.6. We store all our records electronically and, by using our website and submitting information to us online, you agree to us doing this. Our electronic records constitute proof of the content of such record, unless you can prove otherwise.

 

4.6.7. We take reasonable measures to protect information that you send to us and that we store about you. However, where you send information to us, we cannot guarantee the safety and privacy of that information, so any information that you send to us is at your own risk. If you would prefer not to submit information to us on our website, please contact us.

 

4.6.8. If you send an electronic communication to us, this shall be regarded as having been received by us if and when we respond to it, or when we acknowledge receipt of your electronic communication. If any electronic communication that you send to us is blocked and/or filtered and/or destroyed by our content filtering and virus checking systems, we shall not be regarded as having received that electronic communication.

 

4.6.9. If we send an electronic communication to you, the electronic communication shall be regarded as having been received by you when the complete data message forming part of the electronic communication enters an information system designed or used for that purpose by you and is capable of being retrieved and processed by you.

 

4.6.10. Any electronic communications sent by you to us or by us to you shall be regarded as having been sent from the originator's usual place of business or residence and as having been received at the addressee's usual place of business or residence.

 

4.6.11. You agree that electronic signatures and/or authentication and/or encryption are not required for electronic communications between you and us to be valid.

 

4.6.12. By using this website, you agree that we may intercept, block, filter, read, delete, disclose and use all communications that you send or post to us using our website, subject to the provisions of the regulation of interception of communications act, 70 of 2002.

 

5. Intellectual property

 

5.1. All intellectual property on our website, which includes content, trade marks, logos, pictures, video, downloads, domain names, patents, design elements, software, source code, meta tags, databases, text, graphics, icons and hyperlinks are either our property or licensed to us.

 

5.2. Accordingly, the intellectual property on our website is protected from infringement by domestic and international legislation and treaties, which means that, except where allowed under paragraph 3.4, you cannot copy, reproduce, adapt, modify, publish, send or use any information on our website without our prior consent in writing. All our rights to our intellectual property are reserved.

 

5.3. You may not use our logos, icons or trade marks as hyperlinks without our prior consent in writing.

 

5.4. You may quote or use small and reasonable amounts of content from our website, but you must make sure that any information taken from our website is put in inverted commas and that you say that it comes from our website.

 

5.5. Any permissions granted in these terms and conditions are given on a non-exclusive basis and may be terminated by us at any time, with or without notice or reasons.

 

5.6. You may not incorporate any e-mail addresses, names or contact details published on our website into a database to be used for marketing or similar purposes.

 

6. Privacy policy

 

6.1. Protecting your personal information is important to us and we have a privacy policy that sets out how we protect, and keep confidential, any personal information that you send to us.

 

6.2. If you have any questions on our privacy policy, please contact us.

 

7. Opt-out

 

If, at any time, you wish to stop receiving communications from us, please click here.

 

8. No warranties

 

8.1. While it is important to us to ensure that the information published on our website is correct and up-to-date, we cannot provide any warranties in respect of such information and we are not responsible for any inaccuracies or errors contained in such information and we do not warrant that the information on our website is complete in order for you to make decisions about your financial affairs.

 

8.2. We also disclaim any implied warranties, such as warranties or merchantability, fitness for purpose, non-infringement, compatibility, security and accuracy.

 

8.3. Where we have provided calculations on our website, these are provided as illustrations to assist you and should not be relied upon without first checking these with a person or persons appropriately qualified to advise you.

 

9. Other websites

 

9.1. From time to time, our website may contain links to other websites ("third party websites") which are not published or controlled by us, or for products or services that are not offered by us.

 

9.2. We do not endorse or recommend these third party websites or any products or services offered on such third party websites.

 

9.3. Please bear in mind when visiting a third party website that there is no association between us and the products and services that we offer and the third parties, their website or the products or services that such third parties offer.

 

9.4. We are not able to control any information posted on a third party website so, if you use a third party website, you do this at your own risk and we are not responsible for anything posted on a third party website or any security issues that may arise as a result of you using such third party website.

 

10. Security

 

10.1. We take reasonable measures to secure the content of our website, and to ensure any information provided by, or collected from, you remains safe from unauthorised access but we cannot warrant that our website is secure or any information provided by, or collected from, you will be safe from unauthorised access.

 

10.2. We are not obliged to encrypt any content on our website, or any communications that we send to you. We are also not obliged to digitally authenticate any pages on our website. However, the website is secured by a THAWTE verification certificate.

 

10.3. You agree that we may take any action that we think is necessary to protect our website and the security, integrity and reliability of both our website and the computer networks supporting our website.

 

10.4. Please do not:

 

10.4.1. Change any part of our website or the information published on our website or any software that we use in providing the website;

 

10.4.2. Frame our website (unless we agree in advance and in writing);

 

10.4.3. Try to gain entry in a part of the website that you are not allowed to view (for example, any secure areas) as this may constitute a criminal offence under the electronic communications and transactions act;

 

10.4.4. Deliver, or try to deliver, any unauthorised code to our website;

 

10.4.5. Use any technology or applications (including web crawlers, robots or web spiders) to search, collect or copy any information on our website;

 

10.4.6. Create a link from our website to any other website or from any other website to our website;

 

10.4.7. Deliver, or attempt to deliver to our website, any damaging code, such as computer viruses, robots or spyware or to our server and computer network supporting our website;

 

10.4.8. Decompile, disassemble or reverse engineer any part of our website;

 

10.4.9. Develop, distribute or use any device or program designed to breach or overcome the security measures contained on our website or any restricted pages of our website; or

 

10.4.10. Use any information on our website for marketing or similar purposes.

 

10.5. If you do, or attempt to do, any of those things listed in paragraphs 3.8 or 10.4, whether on purpose or negligently, you agree to indemnify and hold us harmless without limitation against any and all claims, costs (including legal costs), expenses, loss, liabilities, damages (whether direct or indirect damages), demands, actions or other legal proceedings that may arise as a result of your actions, or attempted actions.

 

10.6. We also reserve the right to claim damages from any person doing, or attempting to do, anything listed in paragraphs 3.8 or 10.4.

 

10.7. If you commit an offence detailed in sections 85 to 89 of the electronic communications and transactions act, you may face criminal prosecution and will be liable to us for any claims, costs (including legal costs), expenses, loss, liabilities, damages (whether direct or indirect damages), demands, actions or other legal proceedings incurred by us, or arising against us, as a result.

 

11. Indemnity

 

11.1. By using our website, you agree to indemnify us, our shareholders, employees, suppliers, group companies, contractors, consultants, network operators, partners, affiliates and agents in respect of any claims, costs (including legal costs), expenses, loss, liabilities, damages (whether direct or indirect damages), demands, actions or other legal proceedings arising from or as a result of:

 

11.1.1. accessing our website or any third party website;

 

11.1.2. your inability to access our website or any third party website;

 

11.1.3. any decisions that you make based on the information published on our website;

 

11.1.4. your use of our website or any tools contained on our website or your reliance on any information on the website;

 

11.1.5. the submission by you of any personal information on the website, or the sending of any personal information by you to us or by us to you;

 

11.1.6. any steps that we take on your behalf, where you asked or instructed us to do so;

 

11.1.7. any errors or inaccuracies contained in any information that you have provided to us, or contained in any information published on our website;

 

11.1.8. the use by any third party of our website, using your website access details (username and password);

 

11.1.9. the breach of any intellectual property rights arising from your use of our website;

 

11.1.10. any interruption, delayed or failed transmission experienced in using our website;

 

11.1.11. any viruses that may corrupt your computer or system as a result of your use of our website; or

 

11.1.12. your failure to abide by these terms and conditions,

 

except where the law states that we cannot exclude liability (such as sections 43(5) and 43(6) of the electronic communications and transactions act).

 

12. Use of this website by non-South African residents

 

12.1. This website has been designed and is intended for use by people resident in South Africa and accordingly any electronic communications that you send to us are deemed to have been created and sent by you to use from within South Africa.

 

12.2. If you are not a South African resident, the laws of your country may not allow you to use this website, or to buy any products or services from us on our website. If you are not sure about whether the laws in your country allow you to use our website, please contact us.

 

13. Jurisdiction, applicable law and settling disputes

 

13.1. Your use of our website, and these terms and conditions, are governed by South African law.

 

13.2. You agree to submit to the non-exclusive jurisdiction of the South Gauteng High Court in respect of any legal matters arising out of, or from, your use of our website, any products and/or services bought by you from us on this website and these terms and conditions.

 

13.3. Subject to urgent and/or interim relief (which may be obtained from Court), all disputes regarding:

 

13.3.1. access to our website;

 

13.3.2. the inability to access our website;

 

13.3.3. the products and services offered on our website, or the content available on our website; or

 

13.3.4. these terms and conditions,

 

shall be referred to arbitration in terms of the expedited rules of the Arbitration Foundation of South Africa and such arbitration shall be conducted in Johannesburg in English. The arbitration ruling shall be final and the unsuccessful party shall pay the successful party on a scale as between attorney and own client. The expedited rules of the Arbitration Foundation of South Africa can be downloaded from the http://www.arbitration.co.za

 

14. Section 43 of the Electronic Communications and Transactions Act

 

14.1. In order to comply with our duties under section 43 of the electronic communications and transactions act to disclose certain information to you, please note the following:

 

New World Immigration – Registration Number 2009/116313/23

117 Millennium Business Park,
Edison Way
Century City
Cape Town


consultant@nwisouthafrica.co.za

Directors:

Robbie Ragless

 

Description of the main characteristics of the products and services offered by us (to enable you to make an informed decision as to whether to enter into a transaction with us):

 

We offer immigration services - please see our website (www.nwivisas.com) for a detailed description of the products and services we offer

Full price of goods or services offered by us: varied

To access our website: free

Products: go to www.New World Immigration.co.za, click on the products heading in the top bar and select the required product. Pricing information is available on each product page.

Manner of payment: Credit Card or EFT

Membership of self-regulatory or accreditation bodies to which we belong or subscribe and relevant contact details:

 

Registered with the South African Department of Home Affairs: 2007/01/0484

Codes of conduct which we subscribe to and how this code of conduct may be accessed electronically by you:

Please see www.dha.gov.za

Any terms of agreement that will apply to any transaction between us and how these terms can be accessed, stored and reproduced electronically by you:

Please see our website (www.nwivisas.com) and these terms and conditions for terms of agreement that will apply to any transaction between us.

To save or print these terms and conditions, please click on either the save or print buttons on the Adobe Acrobat reader toolbar.

To print or save any terms and conditions applying to specific products, open the website that details the terms and conditions and click the print option on the browser toolbar or, to save, click on the 'file' option and select 'save as' and save the pages as a .htm or.html file. otherwise 'copy' and 'paste' the terms and conditions to a word document (which you can then either print or save)

Time within which goods will be dispatched or delivered or time within which services will be rendered: Dependent on product and efficiency levels at the respective government departments.

Please see our website (www.nwivisas.co.za) and these terms and conditions for terms of agreement that will apply to any transaction between us

Manner and period within which you can access and maintain a full record of any transactions entered into with us:

 

Please see our website (www.nwivisas.com) and these terms and conditions for terms of agreement that will apply to any transaction between us

 

Our return, exchange and refund policy:

 

Please see our website (www.nwivisas.com/) and these terms and conditions for terms of agreement that will apply to any transaction between us

 

Any alternative dispute resolution code which we subscribe to, and how you can access the wording of such code:

 

Subject to urgent and / or interim relief, all disputes regarding:

 

? access to our website;

 

? the inability to access our website;

 

? the products and services offered on our website or the content available from our website; and

 

? these terms and conditions,

 

shall be referred to arbitration in terms of the expedited rules of the Arbitration Foundation of South Africa and such arbitration shall be conducted in Johannesburg in English. The arbitration ruling shall be final and the unsuccessful party shall pay the successful party on a scale as between attorney and own client. The expedited rules of the Arbitration Foundation of South Africa can be downloaded from the http://www.arbitration.co.za

 

Our security procedures and privacy policy in respect of payment, payment information and personal information:

 

Please see our privacy policy for details

 

Minimum duration of agreements between us:

 

Please see our website (www. nwivisas.com/) and these terms and conditions for terms of agreement that will apply to any transaction between us and the customer

 

15. General

 

15.1. If any of these terms and conditions is found to be invalid, illegal or unenforceable, such term or condition shall be removed from these terms and conditions but the remaining terms and conditions will remain valid, legal and enforceable.

 

15.2. These terms and conditions constitute the entire agreement between us and take precedence over any disclaimers or legal notices attached to any communications sent to us or by us.

 

15.3. If we fail to exercise or enforce any of our rights under these terms and conditions, or any provision of these terms and conditions, this should not be seen as a waiver by us of such right or provision.

 

15.4. You may not cede, assign and/or delegate any of your rights and/or obligations under these terms and conditions to any other person unless we agree in writing.

 

15.5. The termination of any of these terms and conditions shall not affect any terms and conditions which are expressed to apply after termination, or which are necessary must continue to apply after termination, even if the terms and conditions do not expressly state this.

 

16. Complaints and feedback

 

If you have any comments about our website, or you believe that there is any untrue, inaccurate, illegal, infringing or harmful content on our website, or you would like to provide us with any other feedback, please contact us or email us at robbie@nwisouthafrica.co.za