“#MetroMillion” COMPETITION


GENERAL DEFINITIONS

1. The promoters of this Competition are Capfin and Metro FM ("the Promoters");

2. For the purposes of these Terms and Conditions, “Metro FM” shall mean South African Broadcasting Corporation broadcasting as Metro FM (Registration number: 2003/023915/30) and “Capfin” shall mean Capfin SA (Pty) Ltd (Registration number: 2011/126985/07) (NCRCP 11812);

3. The name of the competition is "#MetroMillion";

4. “Confirmed Entrant(s)” shall mean any person(s) who enters this Competition by means of successfully concluding a loan agreement (approved application and loan taken up) with Capfin by scanning their SA ID at any PEP or Ackermans store in South Africa or by SMSing their SA ID number to 33005, or applying online at capfin.co.za from 10 March 2022 to 13 April 2022 and is selected in the random draw to be called by Metro FM on live air to stand a chance to be 1 (One) of 110 (One Hundred and Ten) Winners to win a Prize;

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

6. “Metro FM Website” shall mean beta.sabc.co.za/metrofm/;

7. “Social Media” shall mean Capfin social media platforms AND Metro FM 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, contact details, proof of registered SA bank account 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 and the Metro FM Website for its External Privacy Statement;

9. “Administration” shall mean Capfin processing the Personal Information of a Confirmed Entrant(s) to perform all obligations in terms of this Competition; more specifically their name, surname, their telephonic number, their SA ID and SA bank account details to:

a. transmit Personal Information to Metro FM;
b. process a payment of the Prize to the Winner(s) in terms of this Competition;
c. process Personal Information for internal purposes;

And shall mean Metro FM processing a Confirmed Entrant(s) Personal Information to perform all obligations in terms of this Competition, more specifically their name, surname and telephonic number to:

a. transmit Personal Information to Capfin;
b. make telephonic calls to the selected Confirmed Entrants on live Air to notify them that they are a Winner if they answer with the correct catch phrase;

10. “Promotional Obligations and Marketing Campaigns” shall mean Capfin and Metro FM quoting a Winner’s:

a. name;
b. surname;
c. geographical location (limited to a Winner’s city or province);
d. comment regarding Winning in this competition;
e. comment regarding participating in this Competition;
f. Recording and/or playing of the live call from Metro FM;

Such quote may appear on the Promoters:

a. Social Media;
b. YouTube;
c. print publications;
d. in-store at PEP or Ackermans;

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 of R 5 000.00 (Five Thousand Rand) each to 110 (One Hundred and Ten) Winners plus such Rollover Amount available, the determination and allocation of which will be at the sole discretion of the Promoters;

13. “Rollover amount” means the accumulated Prize amount of R 5 000.00 (Five Thousand Rand) which is carried over to the next call to a Confirmed Entrant during a respective day to a maximum amount of R 20 000 (Twenty Thousand Rand) and limited to 4 (Four) calls on a day;

14. “Winner(s)” means a Confirmed Entrant who answers a call from Metro FM live on air from 26 March 2022 until 20 April 2022 with the catch phrase “#MetroMillion with Capfin” and is awarded the Prize by Capfin, whose decision(s) shall be final at all times;

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 which includes Metro FM in this Competition;

16. “Competition” means this “#MetroMillion” 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.

ELIGIBILITY

18. This Competition is open to all Confirmed Entrant(s) who enter by means of successfully concluding a loan agreement (approved application and loan taken up) with Capfin by scanning their SA ID at any PEP or Ackermans store in South Africa or by SMSing their SA ID number to 33005, or applying online at capfin.co.za from 10 March 2022 to 13 April 2022 AND is selected in the random draw to be called by Metro FM on live air to stand a chance to be 1 (One) of 110 (One Hundred and Ten) Winners to win a Prize;

19. Successfully concluding a Capfin loan agreement (approved application and loan taken up) from 10 March 2022 to 13 April 2022 and being selected in the random draw to be called by Metro FM on live air allows an entry into this Competition. Capfin reserves the right to scrutinise and vet the authenticity of the information provided;

20. A Confirmed Entrant who answers a call from Metro FM live on air from 26 March 2022 until 20 April 2022 with the catch phrase “#MetroMillion with Capfin” will be a Winner in terms of this Competition;

21. By SMSing their SA ID number to 33005 or by applying for a Capfin loan online via the Capfin Website, Confirmed Entrant(s) acknowledge that standard rates apply;

22. By means of participation in this Competition, Confirmed Entrant(s) agree to give honest, accurate and current information to Capfin and consent thereto that the Promoters 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;

23. Confirmed Entrant(s) acknowledge that any information supplied to the Promoters 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 Capfin with written notice to that effect;

24. Confirmed Entrants must be 18 (eighteen) years of age or older, have a SA ID, have a valid SA bank account (in their own name) and cell phone number to enter this Competition and qualify for the Prize subject to this Competition’s terms and conditions;

25. All Capfin and Metro FM employees and all their Business-Related Affiliates and Partners including their Family Members will not be eligible to participate in this Competition.

PERIOD OF COMPETITION

26. This Competition is valid from Thursday, 10 March 2022 until Thursday, 21 April 2022;

27. Due to the requirement of scrutinising the validity of entries, a Confirmed Entrant’s entry will only be valid until the final draw dates as per clause 32 below.

THE PRIZE(S)

28. Confirmed Entrants selected on the draw dates and who are Winners as a result of them having answered a call from Metro FM live on air from 26 March 2022 until 20 April 2022 with the catch phrase “#MetroMillion with Capfin”, will receive a Prize(s) which will be paid to the Winner(s) by Capfin on or before 13 May 2022 subject to clauses 30 and 31 below. The Prize(s) shall be paid directly into the Winner’s personal SA bank account provided by the Winner during their loan application and following confirmation of the validity thereof by Capfin;

29. In addition, the Promoters 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 SA bank account (refer to clause 28 above);

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

31. The Promoters will not be liable for any delay(s) with Prize pay-outs;

32. The Confirmed Entrant draws selecting who will be called by Metro FM on live air, will take place on 23 March 2022, 25 March 2022, 30 March 2022, 1 April 2022, 6 April 2022, 8 April 2022, 13 April 2022 and 14 April 2022:

Draw date Confirmed Entrants to be drawn
23 March 2022 5 x Confirmed Entrants to be called on 26 March 2022
5 x Confirmed Entrants to be called on 28 March 2022
5 x Confirmed Entrants to be called on 29 March 2022
25 March 2022 5 x Confirmed Entrants to be called on 30 March 2022
5 x Confirmed Entrants to be called on 31 March 2022
5 x Confirmed Entrants to be called on 1 April 2022
30 March 2022 5 x Confirmed Entrants to be called on 2 April 2022
5 x Confirmed Entrants to be called on 4 April 2022
5 x Confirmed Entrants to be called on 5 April 2022
1 April 2022 5 x Confirmed Entrants to be called on 6 April 2022
5 x Confirmed Entrants to be called on 7 April 2022
5 x Confirmed Entrants to be called on 8 April 2022
6 April 2022 5 x Confirmed Entrants to be called on 9 April 2022
5 x Confirmed Entrants to be called on 11 April 2022
5 x Confirmed Entrants to be called on 12 April 2022
8 April 2022 5 x Confirmed Entrants to be called on 13 April 2022
5 x Confirmed Entrants to be called on 14 April 2022
5 x Confirmed Entrants to be called on 15 April 2022
13 April 2022 5 x Confirmed Entrants to be called on 16 April 2022
5 x Confirmed Entrants to be called on 18 April 2022
5 x Confirmed Entrants to be called on 19 April 2022
14 April 2022 5 x Confirmed Entrants to be called on 20 April 2022

33. Such selected Confirmed Entrants will be contacted telephonically on live air by Metro FM who will be required to answer the call with the catch phrase “#MetroMillion with Capfin” whereupon they will be a Winner in terms of this Competition;

34. Capfin will then contact the Winner(s) via SMS using the telephonic number provided by the respective Winner(s) to Capfin during their loan application;

35. The Winner(s) consent to Promotional Obligations and Marketing Campaigns.

PROCESS OF SELECTION

36. Upon inclusion of the details of all Confirmed Entrant(s) who successfully concluded a loan agreement with Capfin from 10 March 2022 until such date preceding the draw date (refer to clause 32 above) on a list, a designated independent Capfin employee will select 15 (Fifteen) Confirmed Entrants per draw date (except for the draw dated 14 April 2022 where 5 (Five) Confirmed Entrants will be selected) by means of an automated Microsoft Excel formula for randomisation;

37. Metro FM will then contact the 5 (Five) selected Confirmed Entrants (refer to clause 36 above) telephonically per day on live air to the telephonic number provided by the respective Confirmed Entrants to Capfin during their loan application, who will be required answer the call with the catch phrase “#MetroMillion with Capfin”;

38. Should Metro FM not be able to make contact with a Confirmed Entrant after 1 (One) attempt or should such confirmed entrant not answer the telephonic call using the correct phrase, that Confirmed Entrant will not be eligible to win a Prize until the next draw date and such Prize will be deemed a Rollover Amount;

39. Should Capfin not be able to make payment to the Winner’s personal SA bank account provided by the Winner 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.

LIMITATIONS

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

41. The Promoters reserve the right to exclude any person from this Competition on reasonable grounds, in which instance the Promoters’ decision will be final;

42. The Promoters reserve 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 the Promoters decide (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.

43. In the event that no Confirmed Entrant wins a Prize on a respective day, which amount shall be limited to R 25 000 (Twenty Five Thousand Rand), the Promoters reserve their right to award such amount or any part thereof to a Confirmed Entrant in terms of this Competition, at the Promoters discretion;

44. Only 1 (One) entry per Confirmed Entrant is acceptable.

GENERAL

45. Confirmed Entrant(s) in this Competition consent by means of their participation that all Personal Information provided to the Promoters, may be stored and processed on a secured database, which information may be used for Promotional Obligations and Marketing Campaigns by the Promoters and unless consented otherwise, the Promoters will not sell, exchange, transfer, rent or otherwise make available Confirmed Entrant(s) Personal Information to other parties and Confirmed Entrant(s) indemnify the Promoters from any unintentional disclosures of such information to unauthorised persons;

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

47. The Promoters direct all Confirmed Entrants’ attention to the Capfin Website and the Metro FM Website for any additional terms and conditions relating to this Competition;

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

49. Should they be required to do so by any applicable law or regulatory body, the Promoters furthermore reserve the right to withdraw this Competition entirely without liability attaching to the Promoters for such action or the result thereof.

“#MetroMillion” – Grand Prize Competition

The terms and conditions for the “#MetroMillion” Competition above shall apply herein unless otherwise stated in the below terms and conditions. Such changes which will only apply to this specific #MetroMillion - Grand Prize Competition.

GENERAL DEFINITIONS

1. The name of the competition is "#MetroMillion" – Grand Prize Competition;

2. “Confirmed Entrant(s)” shall mean any person(s) who enters this Competition by means of successfully concluding a loan agreement (approved application and loan taken up) with Capfin by scanning their SA ID at any PEP or Ackermans store in South Africa or by SMSing their SA ID number to 33005, or applying online at capfin.co.za from 10 March 2022 to 18 April 2022 and is selected in the random draw to be called by Metro FM on live air to stand a chance to be 1 (One) of 4 (Four) Winners to win a Prize;

3. “Prize(s)” means a monetary award to the value of R 100 000.00 (One Hundred Thousand Rand) each to 4 (Four) Winners, the determination and allocation of which will be at the sole discretion of the Promoters;

4. “Rollover amount” is not applicable to this Competition;

5. “Winner(s)” means a Confirmed Entrant who answers a call from Metro FM live on air on 21 April 2022 with the catch phrase “#MetroMillion with Capfin” and is awarded the Prize by Capfin, whose decision(s) shall be final at all times;

6. “Competition” means this “#MetroMillion” - Grand Prize Competition;

7. 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

8. This Competition is open to all Confirmed Entrant(s) who enters this Competition by means of successfully concluding a loan agreement (approved application and loan taken up) with Capfin by scanning their SA ID at any PEP or Ackermans store in South Africa or by SMSing their SA ID number to 33005, or applying online at capfin.co.za from 10 March 2022 to 18 April 2022 and is selected in the random draw to be called by Metro FM on live air to stand a chance to be 1 (One) of 4 (Four) Winners to win a Prize;

9. Successfully concluding a Capfin loan agreement (approved application and loan taken up) from 10 March 2022 to 18 April 2022 and being selected in the random draw to be called by Metro FM on live air allows an entry into this Competition. Capfin reserves the right to scrutinise and vet the authenticity of the information provided;

10. A Confirmed Entrant who answers a call from Metro FM live on air on 21 April 2022 with the catch phrase “#MetroMillion with Capfin” will be a Winner in terms of this Competition;

11. By SMSing their SA ID number to 33005 or by applying for a Capfin loan online via the Capfin Website, Confirmed Entrant(s) acknowledge that standard rates apply;

12. By means of participation in this Competition, Confirmed Entrant(s) agree to give honest, accurate and current information to Capfin and consent thereto that the Promoters 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;

13. Confirmed Entrant(s) acknowledge that any information supplied to the Promoters 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 Capfin with written notice to that effect;

14. Confirmed Entrants must be 18 (eighteen) years of age or older, a citizen of the Republic of South Africa, have a SA ID, have a valid SA bank account (in their own name) and cell phone number to enter this Competition and qualify for the Prize subject to this Competition’s terms and conditions;

15. All Capfin and Metro FM employees and all their Business-Related Affiliates and Partners including their Family Members will not be eligible to participate in this Competition.

PERIOD OF COMPETITION

16. This Competition is valid from Thursday, 10 March 2022 until Thursday, 21 April 2022;

17. 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 22 below.

THE PRIZE(S)

18. Confirmed Entrants selected on the draw date and who are Winners as a result of them having answered a call from Metro FM live on air on 21 April 2022 with the catch phrase “#MetroMillion with Capfin”, will receive a Prize(s) which will be paid to the Winner(s) by Capfin on or before 13 May 2022 subject to clauses 20 and 21 below. The Prize(s) shall be paid directly into the Winner’s personal SA bank account provided by the Winner during their loan application and following confirmation of the validity thereof by Capfin;

19. In addition, the Promoters 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 SA bank account (refer to clause 18 above);

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

21. The Promoters will not be liable for any delay(s) with Prize pay-outs;

22. The Confirmed Entrant draw selecting who will be called by Metro FM on live air, will take place on the 19th of April 2022 to be called on 21 April 2022;

23. Such selected Confirmed Entrants will be contacted telephonically on live air by Metro FM who will be required to answer the call with the catch phrase “#MetroMillion with Capfin” whereupon they will be a Winner in terms of this Competition;

24. Capfin will then contact the Winner(s) via SMS using the telephonic number provided by the respective Winner(s) to Capfin during their loan application;

25. The Winner(s) consent to Promotional Obligations and Marketing Campaigns.

PROCESS OF SELECTION

26. Upon inclusion of the details of all Confirmed Entrant(s) who successfully concluded a loan agreement with Capfin from 10 March 2022 until 18 April 2022 on a list, a designated independent Capfin employee will select 20 (Twenty) Confirmed Entrants on the draw date by means of an automated Microsoft Excel formula for randomisation;

27. Metro FM will then contact the selected Confirmed Entrants (refer to clause 26 above) telephonically (in the numerical order that they were selected) on live air to the telephonic number provided by the respective Confirmed Entrants to Capfin during their loan application, who will be required answer the call with the catch phrase “#MetroMillion with Capfin” until 4 (Four) Winners have been declared;

28. Should Metro FM not be able to make contact with a Confirmed Entrant after 1 (One) attempt or should such confirmed entrant not answer the telephonic call using the correct phrase, that Confirmed Entrant will not be eligible to win a Prize and the next selected Confirmed Entrant will be called;

29. Should Capfin not be able to make payment to the Winner’s personal SA bank account provided by the Winner 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.

LIMITATIONS

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

31. The Promoters reserve the right to exclude any person from this Competition on reasonable grounds, in which instance the Promoters’ decision will be final;

32. The Promoters reserve 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 the Promoters decide (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;

33. Only 1 (One) entry per Confirmed Entrant is acceptable.

GENERAL

34. Confirmed Entrant(s) in this Competition consent by means of their participation that all Personal Information provided to the Promoters, may be stored and processed on a secured database, which information may be used for Promotional Obligations and Marketing Campaigns by the Promoters and unless consented otherwise, the Promoters will not sell, exchange, transfer, rent or otherwise make available Confirmed Entrant(s) Personal Information to other parties and Confirmed Entrant(s) indemnify the Promoters from any unintentional disclosures of such information to unauthorised persons;

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

36. The Promoters direct all Confirmed Entrants’ attention to the Capfin Website and the Metro FM Website for any additional terms and conditions relating to this Competition;

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

38. Should they be required to do so by any applicable law or regulatory body, the Promoters furthermore reserve the right to withdraw this Competition entirely without liability attaching to the Promoters for such action or the result thereof.

“#MetroMillion” – Social Media Competition

The terms and conditions for the “#MetroMillion” Competition above shall apply herein unless otherwise stated in the below terms and conditions. Such changes which will only apply to this specific #MetroMillion - Social Media Competition.

GENERAL DEFINITIONS

1. The name of the competition is "#MetroMillion" – Social Media Competition;

2. “Confirmed Entrant(s)” shall mean any person(s) who enters this Competition by means of commenting on the Metro FM applicable promotional post on Twitter and using #MetroMillion to stand a chance to be 1 (One) of 14 (Fourteen) Winners to win a Prize;

3. “Administration” shall mean Capfin processing a Confirmed Entrant(s) Personal Information 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:

a. process a payment of the Prize to the Winner(s) in terms of this Competition;
b. process Personal Information for internal purposes;

And shall mean Metro FM processing a Confirmed Entrant(s) Personal Information to perform all obligations in terms of this Competition, more specifically their name, surname, telephonic number, their SA ID and SA bank account details to:

a. transmit Personal Information to Capfin;

4. “Promotional Obligations and Marketing Campaigns” shall mean Capfin and Metro FM quoting a Winner’s:

a. name;
b. surname;
c. geographical location (limited to a Winner’s city or province);
d. comment regarding Winning in this competition;
e. comment regarding participating in this Competition;

Such quote may appear on the Promoters:

a. Social Media;
b. YouTube;
c. print publications;
d. in-store at PEP or Ackermans;

5. “Prize(s)” means a monetary award to the value of R 2 500.00 (Two Thousand Five Hundred Rand) each to 14 (Fourteen) Winners, the determination and allocation of which will be at the sole discretion of the Promoters;

6. “Rollover amount” is not applicable to this Competition;

7. “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;

8. “Competition” means this “#MetroMillion” - Social Media Competition;

9. 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

10. This Competition is open to all Confirmed Entrant(s) who enter by means of commenting on the Metro FM applicable promotional post on Twitter and using #MetroMillion to stand a chance to be 1 (One) of 14 (Fourteen) Winners to win a Prize;

11. Commenting on the Metro FM promotional post on Twitter and using #MetroMillion in their comment automatically guarantees entry into the Winner selection and the Promoters reserve the right to scrutinise and vet the authenticity of the information provided;

12. By commenting on the Metro FM applicable promotional post on Twitter, Confirmed Entrant(s) acknowledge that standard rates apply. Confirmed Entrants also acknowledge that a Capfin loan application, or the acceptance thereof, is in no way a requirement for entry into the Promotion;

13. By means of participation in this Competition, Confirmed Entrant(s) agree to give honest, accurate and current information to Capfin and consent thereto that the Promoters 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;

14. Confirmed Entrant(s) acknowledge that any information supplied to the Promoters 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 Capfin with written notice to that effect;

15. Confirmed Entrants must be 18 (eighteen) years of age or older, a citizen of the Republic of South Africa, have a SA ID, have a valid SA bank account (in their own name) and cell phone number to enter this Competition and qualify for the Prize subject to this Competition’s terms and conditions;

16. All Capfin and Metro FM employees and all their Business-Related Affiliates and Partners including their Family Members will not be eligible to participate in this Competition.

PERIOD OF COMPETITION

17. This Competition is valid from Saturday, 19 March until Saturday, 16 April 2022;

18. Due to the requirement of scrutinising the validity of entries, a Confirmed Entrant’s entry will only be valid until the final selection dates as per clause 23 below.

THE PRIZE(S)

19. Winner(s) who will be selected on 19 March 2022, 26 March 2022, 2 April 2022, 9 April 2022 and 16 April 2022 will receive a Prize(s), which will be paid to the Winner(s) by Capfin on or before 13 May 2022 subject to clauses 21 and 22 below. The Prize(s) shall be paid directly into the Winner’s personal SA bank account provided by the Winner and following confirmation of the validity thereof by Capfin;

20. In addition, the Promoters 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 SA bank account (refer to clause 19 above);

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

22. The Promoters will not be liable for any delay(s) with Prize pay-outs;

23. The Winners selection by Metro FM, will take place on 19 March 2022, 26 March 2022, 2 April 2022, 9 April 2022 and 16 April 2022:

24. Such selected Winners will be contacted by Metro FM by responding to their comment on Twitter who will request their Personal Information via a direct message. Thereafter, the Winners will be contacted via electronic mail by Capfin and announced on Social Media during the promotional period or such reasonable time and date thereafter circumstances depending;

25. The Winner(s) consent to the Promoters quoting their name, surname, geographical location (limited to a Winner’s city or province), any written comment to Winning or participating in this Competition on its Social Media and YouTube; print publications and in-store at PEP or Ackermans.

PROCESS OF SELECTION

26. A designated Metro FM employee will randomly and at their discretion, select 3 (Three) Winners during such day when the relevant promotional post is posted on Metro FM’s Twitter account (except for the selection dated 9 April 2022 where 2 (Two) Winners will be selected);

27. Metro FM will then respond to a Winner’s comment on Twitter and will request their Personal Information via a direct message. The Winners will be contacted via electronic mail by Capfin and announced on Social Media during the promotional period or such reasonable time and date thereafter circumstances depending;

28. Should the Promoters not be able to make contact with a Winner after 4 (four) attempts on Twitter and/or via electronic mail, 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 selected Confirmed Entrant using the same selection means;

29. Should Capfin not be able to make payment to the Winner’s personal SA bank account provided by the Winner, that Winner’s right to the Prize(s) will be deemed to be waived and the Prize(s) will be forfeited.

LIMITATIONS

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

31. The Promoters reserve the right to exclude any person from this Competition on reasonable grounds, in which instance the Promoters’ decision will be final;

32. The Promoters reserve 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 the Promoters decide (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;

33. Only 1 (One) entry per Confirmed Entrant is acceptable.

GENERAL

34. Confirmed Entrant(s) in this Competition consent by means of their participation that all Personal Information provided to the Promoters, may be stored and processed on a secured database, which information may be used for Promotional Obligations and Marketing Campaigns by the Promoters and unless consented otherwise, the Promoters will not sell, exchange, transfer, rent or otherwise make available Confirmed Entrant(s) Personal Information to other parties and Confirmed Entrant(s) indemnify the Promoters from any unintentional disclosures of such information to unauthorised persons;

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

36. The Promoters direct all Confirmed Entrants’ attention to the Capfin Website and the Metro FM Website for any additional terms and conditions relating to this Competition;

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

38. Should they be required to do so by any applicable law or regulatory body, the Promoters furthermore reserve the right to withdraw this Competition entirely without liability attaching to the Promoters for such action or the result thereof.

“#MetroMillion” – PEP and Ackermans in-store competition

The terms and conditions for the “#MetroMillion” Competition above shall apply herein unless otherwise stated in the below terms and conditions. Such changes which will only apply to this specific #MetroMillion - PEP and Ackermans in-store competition.

GENERAL DEFINITIONS

1. The name of the competition is "#MetroMillion" – PEP and Ackermans in-store ;

2. “Confirmed Entrant(s)” shall mean any person(s) who is physically present in a selected PEP or Ackermans store on 18 March 2022 or 1 April 2022 or 14 April 2022 during such time that a Metro FM radio personality is present in such PEP or Ackermans store, stands a chance to be 1 (One) of 6 (six) Winners to win a Prize;

3. “Administration” shall mean Capfin processing a Confirmed Entrant(s) Personal Information to perform all obligations in terms of this Competition more specifically their name, surname, their telephonic number and their SA ID to:

a. process Personal Information for internal purposes which includes keeping record of proof of receipt of the Prize by a Winner and/or keeping record of consent provided to take photographs of a Winner;

And shall mean Metro FM processing a Confirmed Entrant(s) Personal Information to perform all obligations in terms of this Competition, more specifically their name, surname, telephonic number and SA ID to:

a. transmit Personal Information to Capfin; b. obtain proof of receipt of the Prize by a Winner; c. to obtain consent for any images taken of a Winner and/or Confirmed Entrant;

4. “Promotional Obligations and Marketing Campaigns” shall mean Capfin and Metro FM quoting a Winner’s:

a. name;
b. surname;
c. geographical location (limited to a Winner’s city or province);
d. comment regarding Winning in this competition;
e. comment regarding participating in this Competition;
f. photo;

Such quote and/or photo may appear on the Promoters:

a. Social Media;
b. YouTube;
c. print publications;
d. in-store at PEP or Ackermans;

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

6. “Prize(s)” means a Mastercard Prepaid gift card to the value of R 2 500.00 (Two Thousand Five Hundred Rand) each to 6 (Six) Winners, the determination and allocation of which will be at the sole discretion of Metro FM;

7. “Rollover amount” is not applicable to this Competition;

8. “Winner(s)” means the recipient(s) of the Prize(s) awarded to a Confirmed Entrant(s) by Metro FM, whose decision(s) shall be final at all times;

9. “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 which includes Metro FM in this Competition;

10. “Competition” means this “#MetroMillion” – PEP and Ackermans in-store Competition;

11. 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

12. This Competition is open to any person(s) who is physically present in a selected PEP or Ackermans store on 18 March 2022 or 1 April 2022 or 14 April 2022 during such time that a Metro FM radio personality is present in such PEP or Ackermans store, stands a chance to be 1 (One) of 6 (Six) Winners to win a Prize;

13. Being physically present in a selected PEP or Ackermans store on 18 March 2022 or 1 April 2022 or 14 April 2022 during such time which a Metro FM radio personality is present in such PEP or Ackermans store allows entry into this Competition;

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

15. By means of participation in this Competition, Confirmed Entrant(s) agree to give honest, accurate and current information to the Promoters and consent thereto that the Promoters 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;

16. Confirmed Entrant(s) acknowledge that any information supplied to the Promoters 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 Capfin with written notice to that effect;

17. Confirmed Entrants must be 18 (eighteen) years of age or older, a citizen of the Republic of South Africa and have a SA ID to enter this Competition and qualify for the Prize subject to this Competition’s terms and conditions;

18. All Capfin and Metro FM employees and all their Business-Related Affiliates and Partners including their Family Members will not be eligible to participate in this Competition.

PERIOD OF COMPETITION

19. This Competition is valid from Friday, 18 March 2022 until Thursday, 14 April 2022;

20. A Confirmed Entrant’s entry will only be valid during such time that a Metro FM radio personality is present in a selected PEP or Ackermans store on the selection dates as per clause 25 below.

THE PRIZE(S)

21. Winner(s) that will be selected on 18 March 2022, 1 April 2022 and 14 April 2022 will receive a Prize(s), which will be physically handed over to the Winner(s) by Metro FM on such date that a Winner is selected subject to clauses 23 and 24 below;

22. In addition, the Promoters 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 a Mastercard Prepaid gift card to the value of R 2 500.00 (Two Thousand Five Hundred Rand) (refer to clause 21 above);

23. The Prize(s) will be paid out by means of a Mastercard Prepaid gift card the value of which will be in South African Rand only;

24. The Promoters will not be liable for any delay(s) with Prize pay-outs;

25. The Winners selection by Metro FM, will take place on 18 March 2022, 1 April 2022 and 14 April 2022;

26. Such selected Winners will be required to complete and sign a letter/form confirming receipt of the Prize by such Winner;

27. The Winner(s) consent to the Promoters quoting a Winner’s name, surname, geographical location (limited to a Winner’s city or province) or any written or verbal comment to Winning or participating in this Competition, taking a photo of a Winner (photo subject to consent being provided) to appear on its Social Media and YouTube; print publications and in-store at PEP or Ackermans.

PROCESS OF SELECTION

28. A Metro FM radio personality or such other designated Metro FM employee, will engage with PEP and Ackermans customers on the Winner selection dates and randomly select 2 (Two) Winners on each selection date to win the Prize, 1 (One) Winner will be physically chosen in a selected PEP store in the Province of Gauteng and 1 (One) Winner will be physically chosen in a selected Ackermans store in the Province of Gauteng;

29. Metro FM will then request the Winner’s to complete and sign a letter/form confirming receipt of the Prize by such Winner;

30. Should a Winner refuse to complete and sign the requested letter/form confirming receipt of the Prize, that Winner’s right to the Prize(s) will be deemed to be waived and the Prize(s) will be forfeited. The Promoters reserve their right to award such Prize to the next Confirmed Entrant.

LIMITATIONS

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

32. The Promoters reserve the right to exclude any person from this Competition on reasonable grounds, in which instance the Promoters’ decision will be final;

33. The Promoters reserve 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 the Promoters decide (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;

34. Only 1 (One) entry per Confirmed Entrant is acceptable.

GENERAL

35. Confirmed Entrant(s) in this Competition consent by means of their participation that all Personal Information provided to the Promoters, may be stored and processed on a secured database, which information may be used for Promotional Obligations and Marketing Campaigns by the Promoters and unless consented otherwise, the Promoters will not sell, exchange, transfer, rent or otherwise make available Confirmed Entrant(s) Personal Information to other parties and Confirmed Entrant(s) indemnify the Promoters from any unintentional disclosures of such information to unauthorised persons;

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

37. The Promoters direct all Confirmed Entrants’ attention to the Capfin Website and the Metro FM Website for any additional terms and conditions relating to this Competition;

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

39. Should they be required to do so by any applicable law or regulatory body, the Promoters furthermore reserve the right to withdraw this Competition entirely without liability attaching to the Promoters for such action or the result thereof.