1. The promoter of this Competition is Capfin;
2. For the purposes of these Terms and Conditions, “Capfin” shall mean Capfin, a division of Pepkor Trading (Pty) Ltd (Registration number: 1958/003362/07)(NCRCP13053);
3. The name of the competition is "THE GRAND PLAN";
4. “Confirmed Entrant(s)” shall mean any person(s) who enters this Competition by means of sharing their grand plan with Capfin by fully completing the Competition entry form that can be found via the relevant competition link on the Capfin Facebook Page or via the Capfin Website to stand a chance to be 1 of 40 (Forty) Winners to win R 2 500.00 (Two Thousand Five Hundred Rand) AND to stand a chance to be 1 (One) Winner to win R 50 000.00 (Fifty Thousand Rand);
5. “Capfin Website” shall mean www.capfin.co.za;
6. “Capfin Facebook Page” shall mean www.facebook.com/YouAreNotALoan;
7. “Social Media” shall mean Capfin 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;
8. “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. The Promoters direct all Confirmed Entrants’ attention to the Capfin Website for its External Privacy Statement;
9. “Administration” shall mean Capfin processing the Personal Information of a Confirmed Entrant and/or Winner to perform all obligations in terms of this Competition; more specifically their name, surname, their telephonic number, their email address, their SA ID and SA bank account details to:
10. “Promotional Obligations and Marketing Campaigns” shall mean Capfin quoting a Confirmed Entrant and/or Winner’s:
Such quote may appear/be broadcasted on:
11. “Family Members” shall mean spouses, biological or lawful parents, siblings or children, whether dependant on the relevant employee or not;
12. “Prize(s)” means a monetary award to the value R 2 500.00 (Two Thousand Five Hundred Rand) each to 40 (Forty) Winners AND R 50 000.00 (Fifty Thousand Rand) to 1 (One) Winner, the determination and allocation of which will be at the sole discretion of the Promoters;
13. “Winner(s)” means the recipient(s) of the Prize(s) awarded to a Confirmed Entrant(s) by Capfin, whose decision(s) shall be final at all times;
14. “Business Days” means every day of the week excluding Saturdays, Sundays and public holidays;
15. “Capfin Business Related Affiliates and Partners” means Capfin, Pepkor group companies and any of their operators, commercial partners, agents and sub-contractors any business affiliates of the Promoters and/or its associated companies;
16. “Competition” means this “THE GRAND PLAN” Competition;
17. The above general definitions shall apply herein and, in all correspondence, relating to this Competition save where expressly altered or the context indicates otherwise.
18. This Competition is open to all Confirmed Entrant(s) who enter by means of sharing their grand plan with Capfin by fully completing the Competition entry form that can be found via the relevant competition link on the Capfin Facebook Page or via the Capfin Website to stand a chance to be 1 of 40 (Forty) Winners to win R 2 500.00 (Two Thousand Five Hundred Rand) AND to stand a chance to be 1 (One) Winner to win R 50 000.00 (Fifty Thousand Rand);
19. Successfully completing the Competition entry form allows an entry into the “THE GRAND PLAN” Competition. Individuals who submit incomplete or inaccurate Competition entry forms will not be eligible to participate in this Competition. Capfin reserves the right to scrutinise and vet the authenticity of the information provided;
20. By completing the Competition entry form that can be found via the relevant competition link on the Capfin Facebook Page or via the Capfin Website online, Confirmed Entrant(s) acknowledge that standard rates apply;
21. By means of participation in this Competition, Confirmed Entrant(s) agree to give honest, accurate and current information to Capfin and consent thereto that Capfin may collect and process such Confirmed Entrant’s Personal Information, for the purposes of the Administration of this Competition and Promotional Obligations and Marketing Campaigns;
22. Confirmed Entrant(s) acknowledge that any information supplied to Capfin for the purpose of this Competition 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 for the period 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 the Promoters with written notice to that effect;
23. 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 cell phone number to enter this Competition and qualify for the Prize;
24. All Capfin and PEP employees and all their Business Related Affiliates and Partners including their Family Members will not be eligible to participate in this Competition.
25. This Competition is valid from the 4th of July 2022 until the 29th of August 2022;
26. Due to the requirement of scrutinising the validity of entries, a Confirmed Entrant’s entry will only be valid until the final draw date as per clause 31 below.
27. Winner(s) that will be selected on the 2nd of September 2022 will receive a Prize which will be paid to the Winner(s) by Capfin on or before the 16th of September 2022 subject to clauses 29 and 30 below. The Prize(s) shall be paid directly into the Winner’s personal South African bank account provided by the Winner to Capfin and following confirmation of the validity thereof by Capfin;
28. In addition, Capfin will not be liable for any charges or tax associated with the payment of the Prize and Capfin 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 27 above);
29. The Prize(s) will be paid out by means of electronic direct deposit in South African Rand only;
30. Capfin will not be liable for any delay(s) with Prize pay-outs;
31. The Winner(s) draw will take place on the 2nd of September 2022 for Confirmed Entrants during the competition period;
32. The Winner(s) will be notified via SMS and/or email on or before the 9th of September 2022;
33. The Winner(s) consent to Promotional Obligations and Marketing Campaigns that includes the publishing of such Winner(s) name on the Capfin Facebook Page in announcement of them as Winner(s). Please refer to clause 10 above.
34. Upon inclusion of the details of all Confirmed Entrant(s) on a list, a designated independent Capfin employee will select 40 (Forty) Winners to win R 2 500.00 (Two Thousand Five Hundred Rand) AND 1 (one) Winner to win R 50 000.00 (Fifty Thousand Rand) by means of an automated Microsoft Excel formula for randomisation;
35. All Confirmed Entrants will stand a chance to win R 50 000.00 (Fifty Thousand Rand) in terms of the above process of selection and subject to the Competition terms and conditions regardless if they have been selected as a Winner to win R 2 500.00 (Two Thousand Five Hundred Rand);
36. Capfin will then contact the Winner(s) via SMS and/or email to the telephonic number and/or email address provided by the respective Winner(s) to Capfin during the completion and submission of their Competition entry form;
37. Should Capfin not be able to make contact with the Winner(s) after 4 (four) attempts (meaning 4 individual attempts at contacting the Winner(s) to the telephonic number and/or email address provided by the Winner to Capfin during their loan application), that Winner’s right to the Prize(s) will be deemed to be waived and the Prize(s) will be forfeited. Capfin reserves the right to award the prize(s) to the next randomly drawn Confirmed Entrant using the same computerised means;
38. The Prize(s) is in no way transferrable or substitutable for any other Prize(s) or monetary denomination;
39. Capfin reserves the right to exclude any person from this Competition on reasonable grounds, in which instance the Capfin’s decision will be final;
40. Capfin reserves the right to refuse to make a 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 decides (in their sole discretion) has violated the terms and conditions of this Competition, or who has participated herein using suspected fraudulent means or dishonest information;
41. Only one entry per Confirmed Entrant is acceptable.
42. Confirmed Entrant(s) in this Competition consent by means of their participation that all Personal Information provided to Capfin, may be stored and processed on a secured database, which information may be used for the Administration of this Competition and Promotional Obligations and Marketing Campaigns by Capfin and unless consented otherwise, Capfin will not sell, exchange, transfer, rent or otherwise make available Confirmed Entrant(s) Personal Information to other parties and Confirmed Entrant(s) indemnify Capfin from any unintentional disclosures of such information to unauthorised persons;
43. No negotiations will be entered into as to the awarding of a Prize(s) or the contents of these terms and conditions, and Capfin’s decision remains final and binding at all times;
44. Capfin directs all Confirmed Entrants’ attention to the Capfin Website for any additional information relating to this Competition;
45. Capfin reserves the right to amend these terms and conditions from time to time, and at its sole discretion;
46. Should Capfin 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 for such action or the result thereof.