“ADD CAPFIN TO YOUR DAY” EDEN FM RADIO COMPETITION


GENERAL DEFINITIONS

1. For the purposes of these Terms and Conditions, “Capfin” shall mean Capfin SA (Pty) Ltd (Registration number: 2011/126985/07; NCRCP 11812);

2. “Radio Station” means Eden FM NPC (Registration number: 2003/005521/08);

3. “ThotBox” means ThotBox (Pty) Ltd (Registration number: 2013/169372/07) an agent and/or representative of the Radio Station;

4. “Competition” means this “Add Capfin To Your Day” Eden FM Radio Competition;

5. “Confirmed Entrant(s)” shall mean any person(s) who enters this competition by means of sending the Radio Station a voice note via WhatsApp to 060 505 2693 with the catch phrase “add Capfin to my day” and stating how they would spend R 2 000.00 if they won such amount, to stand a chance to be 1 of 4 Winners to win a Prize and an Additional Prize;

6. “Prize(s)” means a monetary award to 4 (Four) Winners to the value of R 1 000.00 (One Thousand Rand) the determination and allocation of which will be at the sole discretion of Capfin and/or the Radio Station and/or ThotBox;

7. “Additional Prize(s)” means an additional monetary award to a Prize Winner to the value of R 1 000.00 (One Thousand Rand) plus such Rollover Amount available, if such Prize Winner successfully concluded a loan agreement with Capfin during the period from 8 July 2021 to 19 August 2021 until 13h00, the determination and allocation of which will be at the sole discretion of Capfin and/or the Radio Station and/or ThotBox;

8. “Rollover amount” means the accumulated Additional Prize amount which is carried over to the next draw date in the event where a Prize Winner during a previous draw did not qualify to win the Additional Prize because they have not successfully concluded a loan agreement with Capfin during the period from 8 July 2021 to 19 August 2021 until 13h00;

9. “Winner(s)” means the recipient(s) of the Prize(s) and/or additional Prize as the context may require, awarded to a Confirmed Entrant(s) by Capfin and/or the Radio Station and/or ThotBox, whose decision(s) shall be final at all times;

10. "Personal Information" shall mean the name, surname, SA ID number, contact details, proof of registered South African banking details and any other necessary personal and/or identifiable information of the Confirmed Entrant(s) as defined in the Protection of Personal Information Act, 2013. Capfin directs all Confirmed Entrants’ attention to the Capfin Website for its External Privacy Statement;

11. "Administration" shall mean Capfin processing a Confirmed Entrant(s) Personal Information, more specifically their WhatsApp voice note, their telephonic number, their South African identity number to:

a. verify if the Winner(s) is a customer of Capfin and qualifies for an Additional Prize;

b. process Personal Information for internal purposes;

c. transmit Personal Information to ThotBox;

And shall mean the Radio Station processing a Confirmed Entrant(s) Personal Information, more specifically their WhatsApp voice note and telephonic number to:

a. listen to the Confirmed Entrant(s) WhatsApp voice notes to select Winner(s) in terms of this Competition;

b. make telephonic calls to the Winner(s) on live Air to notify them that they have been selected as a Winner;

c. obtain the Capfin loan status of such Winner(s) on live Air limited to a “yes” or “no” response by the Winner to determine if they qualify for an Additional Prize;

d. transmit Personal Information to ThotBox;

And shall mean ThotBox processing a Confirmed Entrant(s) Personal Information, more specifically their WhatsApp voice note, telephonic number, South African identity number and South African bank account details to:

a. make telephonic calls to the Winner(s) off Air to obtain their South African Identity number;

b. transmit Personal Information to Capfin and the Radio Station;

c. process a payment of the Prize and Additional Prize to the Winner(s) in terms of this Competition;

12. “Promotional Obligations and Marketing Campaigns” shall mean Capfin and the Radio Station announcing a Winner’s name, surname, geographical location (limited to a Winner’s city or province) AND quoting a Winner’s the contents of their email in response to Winning on its Social Media;

And shall mean Capfin using a Confirmed Entrant’s Personal Information for reasonable promotional obligations and un-associated marketing campaigns;

13. “Capfin Business Related Affiliates and Partners” means any business affiliates of Capfin and/or its associated companies;

14. “Business Days” means every day of the week excluding Saturdays, Sundays and public holidays;

15. “Capfin” shall mean www.capfin.co.za;

16. “Family Members” shall mean spouses, biological or lawful parents, siblings or children, whether dependant on the relevant employee or not;

17. “Social Media” shall mean Capfin social media platforms AND Radio Station social media platforms which shall include websites and applications that enable users to create and share content or to participate in social networking and shall include for the purposes of this Competition, but not limited to, Capfin SA Facebook, Capfin (@CapfinSA) Twitter and/or capfin_sa Instagram;

18. The above general definitions shall apply herein and, in all correspondence, relating to this Competition save where expressly altered or the context indicates otherwise.

ELIGIBILITY

19. This Competition is available to all Confirmed Entrant(s) who enter by means of sending the Radio Station a voice note via WhatsApp to 060 505 2693 with the catch phrase “add Capfin to my day” and stating how they would spend R 2 000.00 if they won such amount, to stand a chance to be 1 of 4 Winners to win a Prize and an Additional Prize;

20. By sending the Radio Station, a voice note via WhatsApp to 060 505 2693 with the catch phrase “add Capfin to my day” and stating how they would spend R 2 000.00 if they won such amount, automatically guarantees entry into this Competition;

21. Only Confirmed Entrant(s) will be eligible to participate in this Competition and win a Prize and an Additional Prize;

22. By means of participation in this Competition, Confirmed Entrant(s) acknowledge that by sending a voice note via Whatsapp, standard rates apply;

23. By means of participation in this Competition, Confirmed Entrant(s) agree to give honest, accurate and current information to Capfin, the Radio Station and ThotBox and consent to the processing of such Confirmed Entrant’s Personal Information for the purpose of Administration of this Competition AND Promotional Obligations and Marketing Campaigns;

24. Confirmed Entrant(s) acknowledge that any information supplied to Capfin, the Radio Station and ThotBox for the purpose of Administration of this Competition and Promotional Obligations and Marketing Campaigns is provided voluntarily and by submitting any Personal Information to participate in this Competition, such Confirmed Entrant(s) consent to the processing of such information under any applicable law in the manner detailed herein, which consent shall be indefinite and/or for the period otherwise required in terms of any applicable law. A Confirmed Entrant(s) may object to the processing of their Personal Information at any time by providing Capfin or the Radio Station or ThotBox with written notice to that effect;

25. Entrants must be 18 (eighteen) years of age or older, a citizen of the Republic of South Africa, have a valid South African bank account (in their own name) and telephonic number to enter this Competition and qualify for the Prize and Additional Prize;

26. All Capfin, ACKERMANS, PEP, Radio Station, ThotBox employees and all Capfin Business Related Affiliates and Partners including their Family Members will not be eligible to participate in this Competition.

PERIOD OF COMPETITION

27. This Competition is valid from 26 July 2021 until 19 August 2021 until 13h00.

28. Due to the requirement of scrutinising the validity of entries, a Confirmed Entrant’s entry will only be valid until the applicable weekly draw date as per paragraph 33 below for the week that such entry was received.

THE PRIZE(S)

29. Confirmed Entrant(s) selected to be Winner(s) will receive a Prize(s) and Additional Prize, decided upon at the sole discretion of Capfin and the Radio Station, which amount will be paid to the Winner(s) by ThotBox within 20 (twenty) Business Days being no later than 16 September 2021 subject to clauses 31 and 32 below. The Prize(s) shall be paid directly into the Winner’s personal South African bank account provided by the Winner to ThotBox following confirmation of the validity of their South African Identity Number and loan status by Capfin;

30. In addition, Capfin, the Radio Station and ThotBox will not be liable for any charges or tax associated with the payment of the Prize and Additional Prize and Capfin and ThotBox hereby confirms that no Prize will be paid out in physical cash or in any other means other than by direct deposit into a valid South African bank account (refer to clause 29 above);

31. The Prize(s) will be paid out by means of electronic direct deposit in South African Rand only;

32. Capfin, the Radio Station and ThotBox will not be liable for any delay(s) with Prize pay-outs;

33. The weekly Winner(s) draw will take place on 29 July 2021, 5 August 2021, 12 August 2021 and 19 August 2021 after 13h00;

34. The Winner(s) will be contacted telephonically on live Air by the Radio Station.

35. The Winner(s) consent to their name, surname, geographical location (limited to their city or province) being announced AND quoting a Winner’s the contents of their email in response to Winning by Capfin and the Radio Station on its Social Media during the Period of Competition or such reasonable time and date thereafter, circumstances depending.

PROCESS OF SELECTION

36. A designated Radio Station employee will select a weekly Winner(s) on the draw date(s) with the most impactful story describing how they would use the money to empower themselves, their family/friends or their community;

37. Should the Radio Station and/or ThotBox not be able to make contact with the Winner(s) on the Friday morning after the draw date during the Radio Station’s breakfast show after 1 (one) attempt (meaning 1 individual attempt at contacting the Winner(s) telephonically on number provided by the Winner to the Radio Station), that Winner’s right to the Prize(s) will be deemed to be waived and the Prize(s) will be forfeited. The Radio Station reserves the right to award the Prize(s) to the next selected Confirmed Entrant using the same means;

38. ThotBox will then make the necessary contact with the Winner(s) via the contact details provided by the RESPECTIVE Winner(s) to obtain their Personal Information.

LIMITATIONS

39. The Prize(s) and Additional Prize is in no way transferrable or substitutable for any other Prize(s) or monetary denomination;

40. Capfin, the Radio Station and ThotBox reserves the right to exclude any person from this Competition on reasonable grounds, in which instance Capfin’s and/or the Radio Station’s and/or ThotBox’s decision will be final;

41. Capfin, the Radio Station and ThotBox reserves the right to refuse to make a Prize or Additional Prize award, or to withhold the payment of any Prize(s) to any Winner(s), regardless of the successful completion of this Competition process, who Capfin, the Radio Station or ThotBox decides (in its sole discretion) has violated the terms and conditions of this Competition, or who has participated herein using suspected fraudulent means or dishonest information;

42. Only one entry per Confirmed Entrant is acceptable.

GENERAL

43. Confirmed Entrant(s) in this Competition consent by means of their participation that all Personal Information provided to Capfin, the Radio Station and ThotBox may be stored and processed on a secured database, which information may be used for the purpose set out in these terms and conditions and unless consented otherwise, Capfin the Radio Station and ThotBox will not sell, exchange, transfer, rent or otherwise make available Confirmed Entrant(s) Personal Information to other parties and Confirmed Entrant(s) indemnify Capfin, the Radio Station and ThotBox from any unintentional disclosures of such information to unauthorised persons;

44. No negotiations will be entered into as to the awarding of a Prize(s) and/or Additional Prize or the contents of these terms and conditions, and Capfin’s, the Radio Station’s and ThotBox ‘s decision remains final and binding at all times;

45. Capfin and the Radio Station directs all Confirmed Entrants’ attention to the Capfin Website or the Eden FM Website for any additional terms and conditions relating to this Competition;

46. Capfin reserves the right to amend these terms and conditions from time to time, and at its sole discretion;

47. Should they be required to do so by any applicable law or regulatory body, Capfin furthermore reserves the right to withdraw this Competition entirely without liability attaching to Capfin, the Radio Station and ThotBox for such action or the result thereof.