Contracts, Terms & Conditions — Credit Reality
Approx. 45 min webinar · Credit Thursdays · Watch on YouTube
This webinar walks your credit team through the legal framework behind every T&C you send and every credit application you accept. Contracts, Terms & Conditions — Credit Reality covers what makes a credit agreement enforceable, where standard T&Cs typically fail, and how to close the gaps before a debtor exploits them in court.
Whether you are reviewing your current T&Cs, onboarding a new credit customer, or chasing a debt you cannot seem to recover — this session gives you the practical framework to protect your business from the paperwork up.
Please note: this is general guidance, not legal advice — where a decision turns on the law, confirm it with a qualified attorney.
What You Will Learn
| ✓ What makes a credit agreement legally enforceable — the 5 essential elements | ✓ Why a standard 30-day account is a “credit agreement” under SA law |
| ✓ The most common gaps in T&Cs — with the exact fix for each one | ✓ What retention of title really means — and when it fails |
| ✓ The landlord’s hypothec and how it can threaten your unpaid stock on leased premises | ✓ How to make surety binding: named, in writing, and binding on the estate |
| ✓ What you can legally charge: interest, penalties, and attorney fees | ✓ A practical credit application checklist to run before approving any new account |
Watch the Webinar — Contracts, Terms & Conditions
WEBINAR RECORDING
Who This Webinar Is For
Topics Covered in This Session
ⓘ Tip: The single most important question on your credit application is: are the premises owned or leased? If leased, you must confirm the landlord, check the lease, include a ROT clause, and ideally get a landlord waiver — before you approve a cent of credit.
Download the Presentation Slides
Contracts, Terms & Conditions — Webinar Slide Deck
Contracts_Terms_Conditions_CreditReality_11June2026.pptx · 19 slides
The slide deck covers all the frameworks from the webinar — a handy reference to keep alongside the recording.
| ✓ The 5 elements of an enforceable credit agreement | ✓ Real T&C clause examples — what good looks like |
| ✓ Common T&C gaps and the exact fix for each | ✓ ROT clause language and landlord waiver checklist |
| ✓ Interest, fees and charges table (NCA / CPA) | ✓ The full credit application checklist |
Related Resources
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