Issued: 12 March 2025

1. Introduction
   
   1. By purchasing a voucher through the N. Richards Group platform, you agree to abide by the following terms and conditions. Please review them carefully.
2. Voucher Validity
3. 1. Vouchers are valid for a period of three (3) months from the date of purchase.
   2. Any unused vouchers will expire after this period and will no longer be redeemable.
   3. After six (6) months, any unutilized funds will be credited back to the customer. All associated costs, including a 10% administration fee, will be borne by the customer.
4. Purchase and Redemption
5. 1. Vouchers can be purchased directly through the www.nrichards.co.zw website.
   2. All vouchers are denominated in USD and can only be redeemed in USD.
   3. Beneficiaries may redeem vouchers at any N Richards branch in Zimbabwe.
   4. Vouchers cannot be exchanged for cash and must be redeemed for products and services in-store.
6. Refunds and Exchanges
7. 1. All voucher sales are final. Once a voucher has been used to purchase goods or
      services, refunds or exchanges will not be permitted. Please verify your intended purchase before completing the transaction.
   2. Product exchanges will be subject to the N Richards Group (NRG) Returns Policy.
8. Amendments
9. 1. We reserve the right to modify these Terms and Conditions at any time. Any changes will take effect immediately upon publication on our website and will not affect vouchers already issued.
   2. If a voucher recipient is unable to visit a branch, the voucher purchaser may request a change to the voucher details via email. Share the details you initially provided, along with the new information you’d like updated on the voucher. Please send an email requesting changes to etenga@nrichards.co.zw.
10. Governing Law
    
    1. These Terms and Conditions are governed by the laws of Zimbabwe.
11. Contact Information
12. 1. For any enquiries or concerns, please contact us at etenga@nrichards.co.zw.