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Terms & Conditions for the Refer and Earn Campaign

  1. Introduction 
    1. The Refer and Earn Campaign (“the Campaign”) is being run by Mukuru Africa (Pty) Ltd (Company Registration number 2013/003424/07) (“Mukuru”) from 23 September 2024 and until such time that Mukuru ends the Campaign (“the Campaign Period”) subject to these specific terms and conditions and the general terms and conditions for Campaigns which can be found at www.mukuru.com (“Competition Ts & Cs”). 
    2. By entering the Campaign, you confirm that you have read and agree to be legally bound by the Competition Ts & Cs.
    3. If you have any questions about the Competition Ts & Cs or the Campaign itself, please contact us at [email protected] (weekdays during office hours 08h00 – 17h00).
  2. Campaign Information and Conditions:  
    1. In order to enter or participate in the Campaign you must be:
      1. A Mukuru Core Card Customer (as defined by Mukuru), living in South Africa to qualify for the Mukuru Card Incentive Reward. The value of the Incentive Reward may change from time to time and will be made available on all Mukuru social media platforms together with the period of validity; OR
      2. a Mukuru Customer (as defined by Mukuru), living in South Africa to qualify for the Airtime Reward. The value of the Airtime Reward may change from time to time and will be made available on all Mukuru social media platforms together with the period of validity;
      3. during the Campaign Period, refer friends or family who are not existing Mukuru Customers, to sign up to Mukuru via WhatsApp. To qualify, you must follow the Refer and Earn steps on Mukuru’s Whatsapp, sign-up function, which includes a digital flyer being sent to the referred persons with a link for them to sign up via WhatsApp.
    2. Customers who sign up using an ID from any country other than South Africa will automatically be rejected during KYC verification and shall not qualify for any of the Rewards
    3. Each cell number or referred person may only be referred once under these Ts & Cs.
    4. You may refer up to a maximum of 5 (five) people during the Campaign Period.
    5. You can only be referred and sign up as a referred person by using the details of a South African registered mobile number.
    6. If a referred person signs up with Mukuru using an agent or through any other means that are not considered as WhatsApp, the Customer who referred that individual to Mukuru will not be entitled to any Reward and the referral will not fall under the terms of this Campaign.
    7. A successful referral is when the referred person signs up with Mukuru using WhatsApp, successfully submits and verifies KYC documents for the Mukuru Core product and creates and pays his/her first order with a minimum value of ZAR 600 (six hundred Rand), using the Mukuru Service, all during the Campaign Period (“Successful Referral”).
    8. Customers (referrers) will be limited to 5 Successful Referrals per month.
    9. Customers who fulfil the requirements of clause 2.1 -2.8 above will be referred to as “Qualifying Customers” for the Campaign.
  3. The Reward 
    1. For each Successful Referral the Qualifying Customer will receive one of the following Rewards:
      1. Mukuru Customers – Airtime Reward on their phone and the successfully referred person will receive a discount on their first money transfer. 
      2. Mukuru Card Customers – Incentive Reward on the active Mukuru Card registered in their name
      3. Clauses 3.1.1. and 3.1.2. will be collectively referred to as “the Rewards”.
  4. Collecting your Rewards  
    1. After a Successful Referral, The Rewards will be issued as follows:
      1. Airtime:
        1. For the Qualifying Customer: the Reward will be sent directly to their cell phone immediately (but not later than 24 (twenty-four) hours);
        2. For the successful referred persons: the discount will automatically apply to their first money transfer.
      2. Mukuru Card Incentive:
        1. For the Qualifying Customer: the Reward will be loaded directly onto the active Mukuru Card registered under the Customer’s name within 7 days of the Successful Referral.
        2. If a Mukuru Card has reached it’s monthly deposit limit, the Reward will be allocated to the reserve queue and when it becomes loadable, automatically reflect.
        3. For the successful referred persons: the discount will automatically apply to their first money transfer.
    2. In order to receive your Reward:
      1. Your cell number must be with a South African mobile operator;
      2. You must have a pay-as-you-go line or top-up contract with your mobile service operator; and
      3. Your Mukuru Card should be active.
    3. Mukuru cannot be held liable for any failure to deliver the airtime/incentive, which is attributable to technical failures outside of Mukuru’s control. If a Qualifying Participant’s Mobile Operating Network rejects the airtime load as a result of the Qualifying Participant’s particular mobile plan (for example an annual contract plan) or if the referrer provides the incorrect number on which the airtime is to be received.
    4. If the Reward is not received, a Qualifying Participant can send an email to [email protected] but Mukuru cannot guarantee that airtime will be successfully loaded where there are factors outside of Mukuru’s control (such as a load rejection by a third-party Mobile Operator).
    5. If the Reward cannot be transferred to a Qualifying Customer within 7 (seven) days because the Qualifying Customer does not meet the requirements of clause 4.2 above, or because of no fault of Mukuru, then the Reward will be forfeited. 
  5. General  
    1. vary the terms of this Campaign at any time without any liability to any person involved directly or indirectly in the Campaign. 
    2. Mukuru reserves the right to ask for additional Know Your Customer (KYC) documents of anyone partaking in the Refer and Earn Campaign to comply with our KYC obligations and protect against fraud.
    3. Mukuru reserves the right to cancel or reject the referral to a friend for any legitimate reason at its discretion and in particular if:
      1. Mukuru suspects that the Refer and Earn Campaign has been abused in any way;
      2. you open more than one Mukuru account or spawning multiple fake accounts; 
      3. Mukuru has any reason to believe that you are inviting current Mukuru Customers to register new accounts;
      4. for any reason that raises concerns of illegal activities;
      5. or for any other reason that raises concerns of suspicious behaviour which is not in accordance with the spirit of the Refer and Earn Campaign.
    4. Mukuru reserves the right to suspend accounts of Mukuru Customers if it has any reason to believe or suspect that the Refer and Earn Campaign is being abused.
    5. 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, we 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. 
    6. The Reward is not transferable for cash or otherwise.
    7. Mukuru cannot be held liable for any loss, expense or damage to any person participating in the Campaign.
    8. 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 Customer. If Mukuru does not enforce a provision, this will not mean that Mukuru has given up on or lost any rights.
    9. Mukuru will not assume any liability to any participant, or Qualifying Customer in connection with or arising out of the Campaign however it is caused, including for any costs, expenses, forfeited rewards, prizes, damages and other liabilities 
    10. These Campaign Terms and Conditions are governed by the laws of South Africa.