Language Policy

In terms of the National Credit Act, 34 of 2005:

Introduction

• The Shaw Family (Pty) Ltd enters into credit agreements with consumers which are regulated by the National Credit Act (NCA) and is a credit provider in terms of section one (1) of the NCA;
• The Shaw Family is a registered credit provider with the National Credit Regulator (NCR), in compliance with section 40 of the NCA, with effect from the 30 July 2024 (registration date) under registration number NCRCP19894;
• The NCR had registered The Shaw Family as a credit provider on the registration date, subject to general and specific conditions which required, inter alia, a language policy proposal to be sent to the NCR by The Shaw Family within twelve (12) months of registration which met the requirements envisaged in section 63 of the NCA (“Annexure A”);
• This document therefore sets out the proposed language policy adopted by The Shaw Family, for approval by the NCR, in compliance with the Specific Condition B1 detailed in the “Conditions of Registration as A Credit Provider in Terms of Section 48 of The National Credit Act” (Annexure A).
• Proposed Language Policy
• Acknowledgement of a consumer’s rights under the NCA
• A consumer has the right to request and receive any documentation, which pertains to a credit agreement and required in terms of the NCA (documentation), in an official language of their choice;
• A consumer may choose to receive this documentation in one of the following two (2) official languages: ⦁ English or⦁ isiZulu
• In the exercise of good business practise, The Shaw Family is required to ensure that the documentation is available in at least two (2) of the official languages recognised in terms of section 63 of the NCA.
• The Shaw Family’s language policy must have a reasonable regard of the needs and preferences of the population it ordinarily serves to the extent that it balances the predominant language usage and regional circumstances together with practicality and expense of serving those consumers’ needs and preferences;
• It is generally accepted that it is not practical and is too expensive to produce our documentation in all eleven (11) official languages;
• Policy Statement and Proposal in Terms of Section 63 of the NCA
• The Shaw Family’s products and services are available throughout the Republic of South Africa;
• The Shaw Family will communicate with its customers in English by default, being the recognised and accepted language of commerce, politics and law in South Africa;
• In the ordinary course of business, The Shaw Family’s customers will now have the opportunity to choose from two (2) official language preferences, namely English, isiZulu:
  • The Pre-agreement statement and Quotation in terms of Section 92 of the National Credit Act 34 of 2005
  • The Credit Loan Agreement for Small credit Agreements in terms of Section 92 of the National Credit Act 34 of 2005.
  • Monthly Loan Statement.
  • Debt Enforcement Notices (Section 129).
  • General customer interactions, which includes emails and/or telephonic conversations.
• The Shaw Family’s has the ability to communicate in any of the said two chosen national languages
• Apart from the customers’ ability to seek explanation of documents from The Shaw Family, the customer may advise The Shaw Family that they elect to receive documents in one (1) of the languages referred to above via email from info@theshawfamily.co.za,
• Implementation Plan for Language Policy
• Item 
Implementation Date

Pre-agreement Statement & Quotation and Credit Loan Agreements in terms of Section 92 of the National Credit Act 34 of 2005 
01 January 2025

Loan Statements 
01 January 2025

Enforcement Notice (including Section 129 Notice)
01 January 2024

Marketing and Advertising
01 January 2024
General Written Correspondence 
Currently Available
General customer interactions 
Currently Available