1. Introduction
    1. The Mukuru Birthday Campaign (“the Campaign”) is being run by Mukuru Financial Services (Pty) Ltd (Company Registration number 2008/025860/07 and FSP license number 45517) (“Mukuru”) from  1 September 2021 to 30 September 2021 (“the Campaign 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 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 by email at marketing@mukuru.com (weekdays during office hours 08h00 – 17h00).
  2. Campaign Entry Requirements:
    1. To qualify to participate in the Campaign, you must:
      1. be a registered Mukuru Customer (as defined by Mukuru); and
      2. sign up for a Mukuru Card in South Africa for the first time during the Campaign Period; and
      3. activate your Mukuru Card during the Campaign Period by depositing a minimum of R100 (One Hundred Rand) into the Mukuru Card; and
      4. 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 Campaign.
  3. The Reward
    1. All Qualifying Participants will pay zero Mukuru Monthly Card fees (to the value of R26 per month) for the months of October 2021 and November 2021 (transaction fees will still apply).
  4. General
    1. Mukuru employees will not be allowed to enter the Campaign.
    2. Qualifying Participants must be 18 years or older.
    3. Qualifying Participants cannot participate in the Campaign more than once.
    4. If for any reason, the Campaign 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 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.
    5. 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.
    6. The reward is not transferrable 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 Participant. 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 Participant in connection with or arising out of the Campaign however it is caused, including for any costs, expenses, forfeited rewards, damages and other liabilities
    10. These Campaign Terms and Conditions are governed by the laws of South Africa.