1. Introduction  
    1. The Mukuru Zuku Zero Fee Campaign (“the Campaign”) is being run by Mukuru Money Transfer Limited  (Company Registration number 13982) (“Mukuru”) from 13 June 2022 – 30 September 2022 (“the Campaign Period”) subject to these specific terms and conditions and the general terms and conditions for Campaigns and Campaigns which can be found at www.mukuru.com (“Campaign Ts & Cs”).
    2. By participating in the Campaign, you confirm that you have read and agree to be legally bound by the Campaign Ts & Cs. 
    3. If you have any questions about the Campaign Ts & Cs or the Campaign itself, please contact us by email at [email protected] (weekdays during office hours 08h00 – 17h00). 
  2. Campaign Entry Requirements:  
    1. In order to enter the Campaign, you must: 
      1. be a registered Mukuru customer;
      2. make a Zuku bill payment via the Mukuru Money Transfer Service (“ Zuku Payment” ) during the Campaign Period.
    2. Persons who fulfil the requirements set out in clause 2.1 above will be referred to as “Qualifying Participants” for the purposes of the Campaign. 
  3. Campaign reward 
    1. Each Qualifying Participant will, during the Campaign Period, pay zero Mukuru fees in respect of a Zuku Payment. 
    2. The reward is only applicable in respect of Zuku Payments in Malawi. No other direct money transfer transaction or bill payment transaction will apply.
  4. General  
    1. Mukuru employees, directors, agents, contractors, consultants will not be allowed to enter the Campaign
    2. Qualifying Participant must be 18 years or older. 
    3. If for any reason, the Campaign cannot run as planned because of any technical failures, unauthorised intervention, computer virus, mobile network failure, tampering, fraud or any other causes beyond our control which corrupt or affect the administration, security, fairness, integrity or proper conduct of the Campaign, Mukuru reserve the right to cancel, terminate, modify, suspend or cancel the Campaign and/or to disqualify any individual who (whether directly or indirectly) causes (or has caused) the problem.  
    4. Mukuru may vary the terms of or cancel the Campaign at any time. Mukuru may vary or cancel the Campaign at any time without any liability to any person involved directly or indirectly in the Campaign.
    5. Mukuru cannot be held liable for any loss, expense or damage to any person participating in the Campaign
    6. Neither Mukuru nor its agents shall be responsible for any loss or misdirected entries, including entries that were not received due to any failure of hardware, software, or other computer or technical systems affecting participating and/or prize redemption process of the Campaign. 
    7. A failure by Mukuru to enforce any one of the terms and conditions in any instance(s) will not give rise to any claim or right of action by any Qualifying Entrant. If Mukuru does not enforce a provision, this will not mean that Mukuru has given up on or lost any rights. 
    8. Mukuru will not assume any liability to any participant, or Qualifying Entrant in connection with or arising out of the Campaign or Prize however it is caused, including for any costs, expenses, forfeited rewards, damages and other liabilities. 
    9. These Campaign Terms and Conditions are governed by the laws of Malawi.