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

2. “Confirmed Entrant(s)” shall mean any person(s) who enters this promotion by means of commenting on the Capfin promotional post on Social Media by telling us how a R1000 could assist them during these difficult times to stand a chance to be 1 of 8 Winners to win R1000 (One Thousand South African Rand);

3. “Capfin Website” shall mean www.capfin.co.za;

4. “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 promotion, but not limited to, Capfin SA Facebook, Capfin (@CapfinSA) Twitter and/or capfin_sa Instagram;

5. “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);

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

7. “Prize(s)” means a monetary award, to the value of 1000.00 (One Thousand South African Rand) each to 1 (one) Winners, the determination and allocation of which will be at the sole discretion of Capfin;

8. “Winner” means the recipient of the Prize awarded to a Confirmed Entrant, following a selection thereof by Capfin, whose decision shall be at all times final;

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

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

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


12. This Promotion is available to all Confirmed Entrant(s) who enters this promotion by means of commenting on the Capfin promotional post on Social Media and telling us how they will spend their Heritage Day, considering the level 2 National Lockdown restrictions, to win R1000 (One Thousand South African Rand);

13. Commenting on the Capfin promotional post on Social Media automatically guarantees entry into the Prize draws, and Capfin reserves the right to scrutinise and vet the authenticity of the information provided;

14. By means of their participation in this Promotion, Confirmed Entrant(s) acknowledge that no payment is required for such entry and a Capfin Loan, or the acceptance thereof, is in no way a requirement for entry into the Promotion.

15. By sharing your South African ID number, all entrants consent to the use of their Personal Information by Capfin for the purposes of the administration of this Promotion and any other reasonable promotional obligations and un-associated marketing campaigns;

16. Entrants must be 18 years of age or older, a citizen of the Republic of South Africa and have a valid South African banking account (in their own name) and cell phone number to enter this Promotion and qualify for the Prize;

17. All Capfin, ACKERMANS, PEP employees and all Capfin Business Related Affiliates and Partners including their Family Members will not be eligible to enter this competition.


18. This Promotion is valid on the 10th of September 2020;

19. Due to the requirement of scrutinising the validity of entries, a Confirmed Entrant’s entry will only be valid until Final draw date as per paragraph 23 below.


20. Confirmed Entrant(s) selected to be Winner in the prize draw will receive a pre-designated Prize(s), decided upon at the sole discretion of Capfin, which amount will be paid to the Winner by Capfin within 21 (Twenty-One) Business Days’ subject to clauses 22 and 24 below. The Prize shall be paid directly into the Winner’s personal South African bank account provided by the Winner, following confirmation of the validity thereof by Capfin. 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 electronic direct deposit into a valid nominated South African bank account;

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

22. Capfin will not be liable for any delay(s) with Prize pay-outs to be attributed to the late submission of Personal Information provided by the Winner - refer to clause 20 above;

23. The Winner draw will take place on 14 September 2020;

24. The Winner will be contacted via a direct message on Social Media to obtain their Personal Information where after they will be contacted via electronic mail and their Name and Surname announced on Social Media during the promotional period or such reasonable time and date thereafter circumstances depending.


25. Upon inclusion of the details of all Confirmed Entrants on a list, a designated Capfin employee will select a winner by means of an automated Microsoft Excel formula for randomisation;

26. 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 any electronic mail address and via Social Media provided by the Winner to Capfin), 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;

27. The respective Capfin representative will then make the necessary contact with the Winner(s) via the contact details provided to Capfin by the RESPECTIVE Winner(s).


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

29. Capfin reserves the right to exclude any person from this Promotion on reasonable grounds, in which instance Capfin’s decision will be final;

30. 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 the competition process who Capfin decides (in its sole discretion) has violated the terms and conditions of the Promotion, or who has participated herein using suspected fraudulent means or dishonest information;

31. Only one entry per Confirmed Entrant is acceptable;

32. The Winner have 14 (Fourteen) calendar days within which to submit their required Personal Information or that Winner’s right to the Prize(s) will be deemed to be waived and the Prize(s) will be forfeited – refer to clause 22 above.


33. Confirmed Entrant(s) in this Promotion consent by means of their participation that all information provided to Capfin, whether of a personal nature or otherwise, may be stored and processed on a secured database, which information may be used for future promotional activities by Capfin and its associated companies and they waive any claims to royalty rights or remuneration for such use;

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

35. Capfin directs all Confirmed Entrant(s) attention to the Capfin Website for any additional terms and conditions relating to this Promotion;

36. Capfin reserves the right to amend these terms and conditions from time to time, and at their sole discretion, should they be required to do so by any applicable law or regulatory body, and furthermore reserves the right to withdraw this Promotion entirely should it be required to do so by any law or regulatory body without liability attaching to Capfin for such action or the result thereof.