1. Introduction 
    1. Financial Services (Pty) Ltd (Company Registration number 2008/025860/07 and FSP license number 45517) (“Mukuru”) from 16 November 2022 to 25 November 2022 (“the Competition Period”) subject to these specific terms and conditions and the general terms and conditions for competitions and Competitions which can be found at www.mukuru.com (“Competition Ts & Cs”).  
    2. By participating in the Competition, 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 Competition itself, please contact us by email at [email protected] (weekdays during office hours 08h00 – 17h00).
  2. Competition Entry Requirements:
    1. To qualify to participate in the Competition, you must:
      1. be a registered Mukuru Card Customer (as defined by Mukuru); and
      2. shop online using your Mukuru Card on 25 November 2022; and
      3. you must comply with these terms and conditions.
    2. Persons who fulfil the requirements of clause 2.1 above will be referred to as “Qualifying Participants” for the purposes of the Competition.
  3. The Reward 
    1. All Qualifying Participants will be entered into a random draw where one lucky winner will win back the money they spent as set out in clause 2.1.2 above.
    2. The winner’s prize will be paid into the winner’s Mukuru Card no later than 7 (seven) days from date of end of the Competition Period.
    3. The will be a 10 winners who will be announced on 9 December 2022 via social media and will be contacted via telephone. 
  4. General
    1. Mukuru employees will not be allowed to enter the Competition.
    2. Qualifying Participants must be 18 years or older.
    3. Qualifying Participants cannot participate in the Competition more than once.
    4. If for any reason, the Competition cannot run as planned because of any technical failures, unauthorised intervention, computer virus, mobile network failure, stock unavailability, tampering, fraud or any other causes beyond our control which corrupt or affect the administration, security, fairness, integrity or proper conduct of the Competition, we reserve the right to cancel, terminate, modify, suspend or cancel the Competition and/or to disqualify any individual who (whether directly or indirectly) causes (or has caused) the problem.  
    5. Mukuru may vary the terms of or cancel the Competition at any time. Mukuru may vary or cancel the Competition at any time without any liability to any person involved directly or indirectly in the Competition.
    6. Mukuru cannot be held liable for any loss, expense or damage to any person participating in the Competition. 
    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 Participant. 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 Participant in connection with or arising out of the Competition however it is caused, including for any costs, expenses, forfeited rewards, damages and other liabilities
    9. These Competition Terms and Conditions are governed by the laws of South Africa.