On 27 October 2025, the Supreme Court of Appeal clarified that the Consumer Protection Act, 2008 (CPA) does not apply to every residential lease. In particular, a private individual renting out their own property is not, without more, acting “in the ordinary course of business” under the CPA.

The CPA protects consumers in transactions

When a franchisor sought a number of court orders to enforce a franchise agreement against a franchisee whose agreement had been cancelled, the franchisor succeeded in some of its claims on the facts. The franchisor failed to enforce a term in the franchise agreement according to which, on termination for whatsoever reason, the equipment, fittings

In this case, the claimant fell at the entrance of the defendant’s restaurant premises. 

The claimant sued alleging negligence on the part of the defendant.

One of the issues for determination was whether the defendant was absolved of any liability by virtue of the disclaimer notice.

The disclaimer notice read (in capital letters):

Indemnity clauses and the Consumer Protection Act

In a recent Eastern Cape High Court judgment which you can read about here, the claimant fell into an unfenced pool at the game reserve and injured herself.  The court found in the evidence that the claimant’s conduct was the sole cause of her stepping into the