“PLAN FOR THE FUTURE AND YOU COULD WIN” COMPETITION


GENERAL DEFINITIONS

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

2. For the purposes of these Terms and Conditions, “PEP” shall mean PEP a division of Pepkor Trading (Pty) Ltd (Registration number: 1958/003362/07) and “Capfin” shall mean Capfin SA (Pty) Ltd (Registration number: 2011/126985/07)(NCRCP 11812);

3. The name of the competition is "PLAN FOR THE FUTURE AND YOU COULD WIN YOUR SHARE OF 1 MILLION RAND WITH CAPFIN AT PEP";

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 store in South Africa or by SMSing their SA ID number to 44055, or online at www.pepstores.com to stand a chance to be 1 of 100 (One Hundred) Winners to win R 10 000.00 (Ten Thousand Rand);

5. “PEP Website” shall mean www.pepstores.com;

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

7. “Social Media” shall mean PEP 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, PEP SA Facebook (@PEPSouthAfrica) and/or pep_southafrica 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 and the PEP Website for its External Privacy Statement;

9. “Administration” shall mean the Promoters processing a Confirmed Entrant(s) Personal Information to perform all obligations in terms of this Competition AND an internal enquiry by Capfin to determine if a Winner’s Personal Information is contained in Capfin’s internal fraud database (which excludes an external criminal background enquiry) or formed part of any internal Capfin investigation;

10. "Promotional Obligations and Marketing Campaigns" shall mean PEP quoting a Confirmed Entrant or Winner’s name, surname, geographical (location limited to their city or province) and the contents of their e-mail or SMS or such other written comment to Winning or participating in this Competition AND announcing the Winners’ name, surname and geographical (location limited to their city or province), to appear on Social Media and YouTube; print publications and in-store at PEP;

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 10 000.00 (Ten Thousand Rand) each to 100 (One Hundred) Winners, 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 any business affiliates of the Promoters and/or its associated companies;

16. “Competition” means this “PLAN FOR THE FUTURE” 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 with Capfin by scanning their SA ID at any PEP stores in South Africa or by SMSing their SA ID number to 44055, or online at www.pepstores.com to stand a chance to be 1 of 100 (One Hundred) Winners to win R 10 000.00 (Ten Thousand Rand);

19. Successfully concluding a Capfin loan agreement allows an entry into the “PLAN FOR THE FUTURE” Competition. Capfin reserves the right to scrutinise and vet the authenticity of the information provided;

20. By SMSing their SA ID number to 44055 or by applying for a Capfin loan online via the PEP Website, 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 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;

22. 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 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 and 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.

PERIOD OF COMPETITION

25. This Competition is valid from 08h00 on 29 December 2021 until 23h59 on 27 January 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.

THE PRIZE(S)

27. Winner(s) that will be selected on 28 January 2022 will receive a Prize(s) decided upon at the sole discretion of the Promoters, which will be paid to the Winner(s) by Capfin on or before 24 February 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 during the loan application and following confirmation of the validity thereof by Capfin;

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

31. The Winner(s) draw will take place on 28 January 2022 for Confirmed Entrants during the competition period;

32. The Winner(s) will be notified via SMS on 9 February 2022;

33. The Winner(s) consent to their name, surname, geographical location (limited to their city or province) being announced by PEP on Social Media and YouTube; print publications and in-store at PEP within 7 (Seven) days after the Winner’s draw date (refer to clause 31 above).

PROCESS OF SELECTION

34. Upon inclusion of the details of all Confirmed Entrant(s) on a list, a designated independent employee will select 100 (One Hundred) Winners by means of an automated Microsoft Excel formula for randomisation;

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

36. 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 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;

LIMITATIONS

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

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

39. 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;

40. Only one entry per Confirmed Entrant is acceptable.

GENERAL

41. 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 PEP 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;

42. 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;

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

44. The Promoters reserve the right to amend these terms and conditions from time to time, and at its sole discretion;

45. 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.