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Terms & Conditions for the Mukuru BIP Ramadan Campaign

  1. Introduction
    1. The Mukuru BIP Ramadan Campaign Campaign (“the Campaign”) is run by Mukuru Money Transfer Limited (Company Registration Number 120130109728) (“Mukuru”) from 28 February  – 29 March 2025 (“the Campaign Period”), subject to these specific terms and conditions (“Specific Ts & Cs”) and the general terms and conditions for campaigns found at www.mukuru.com (“General Campaign Ts & Cs”), together the “Campaign Ts and 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.  To qualify to participate in the Campaign, you must:
      1. Be a registered Mukuru customer in Zambia;
      2. Send at least 4,000 Zambian Kwacha to the following countries using Mukuru’s service during the Campaign Period (“Qualifying Send”):
        • Bangladesh;
        • India; or
        • Pakistan
      3. Qualifying Participants are able to send as many times as they like, as each Qualifying Send will be included into the weekly random draw.
    2. Only individuals who are 18 years or older and who have a valid Mukuru account are eligible to participate.
    3. “Qualifying Participants” will be those who fulfill the requirements set out in 2.1 and 2.2 above.
    4. Mukuru processes your personal information when you use the Mukuru service. Protecting your personal information is important to Mukuru and processing is done according to our Privacy Notice. When we run Campaigns and you qualify for a Reward, Mukuru will need to process your personal information for additional purposes.  For example, your personal information may be used to validate your entry, make the Reward available to you if you are a winner and potentially share your personal information with 3rd parties (including 3rd parties in other countries) who have a need to know.  We will ensure those 3rd parties have adequate data protection safeguards in place. Mukuru may also announces the winners on social media or live on broadcast air. If the Campaign includes Mukuru wanting to post photos of you as a winner on social media, you will be asked if you agree thereto.  By entering this Campaign, you consent to Mukuru processing your personal information to validate your entry, award the Reward, and making any related announcements regarding the Campaign.
  3. The Reward
    1. Qualifying Participants will be entered into a weekly random draw and stand the chance to win 1 of 3 meal vouchers worth 400 Zambian Kwacha. The meal voucher will be issued at Mukuru’s absolute discretion and will be subject to the following 3 provinces:
      1. Copperbelt;
      2. Lusaka, or 
      3. Southern Provinces
    2. The list of restaurants that form part of this Campaign are:
      1. Leo’s Restaurant – Kitwe, Copperbelt;
      2. Nawabs Kitchen – Ndola, Copperbelt;
      3. Flavours Restaurant – Livingstone, Southern Province;
      4. Just Mashawe Restaurant – Makeni, Lusaka;
      5. Food Fayre – Lusaka; and
      6. Cremosa – Lusaka
    3. 3 Winners will be chosen each week, divided into the 3 provinces under clause 3.1, to total an amount of 12 Winners. Winners will be chosen and contacted on the following dates:
      1. 17 March 2025;
      2. 24 March 2025;
      3. 31 March 2025; and
    4. Winners of the Rewards must collect their Rewards at one of the physical Mukuru branches or Mukuru service centres of their choice and will be liable for their own transport to and from the pick-up point.
    5. The Reward is valid for 30 days from date of collection and should be used within this timeframe. Mukuru will not take liability should a Winner fail to comply with this timeframe.
    6. Mukuru will attempt to contact each potential Winner up to three (3) times over 48 hours. If a Winner cannot be contacted or fails to provide the necessary verification as stipulated below within that period, the Reward will be forfeited and Mukuru reserves the right to select an alternative Winner.
    7. Winners will be announced on Facebook. Any Winner who does not wish to have their name or photograph used in any publicity material must notify Mukuru immediately upon Reward collection or SMS notification. In such cases, Mukuru will respect your privacy and will not use your details for promotional purposes.
    8. All Winners must verify their identity by providing a valid ID or Passport number together with their Mukuru account details. 
  4. General
    1. Mukuru employees and agents (including their immediate family members) are not allowed to enter the Campaign.Winners cannot decline a Reward they have rightfully won or request a different Reward.
    2. Mukuru may choose from which restaurant/province a certain Reward will be issued and a Winner will not be able to ask for a different restaurant/province.
    3. Mukuru reserves the right to cancel, suspend, or modify the Campaign at any time if technical failures, unauthorized intervention, or any other causes beyond its control affect the fairness, integrity, or proper conduct of the Campaign.
    4. If the Campaign is terminated early, any winners determined prior to termination will still receive their Rewards, provided they have complied with the Campaign Ts and Cs. 
    5. The Reward is not transferable for cash or any other item, unless otherwise stated in the Campaign Ts and Cs.  or agreed in writing by Mukuru.
    6. Mukuru will not be liable for any costs, damages, or losses incurred by any participant or winner in connection with this Campaign. The Reward is provided “as is,” without any warranties other than those given by the original issuer (if applicable).
    7. Failure by Mukuru to enforce any of these T&Cs does not constitute a waiver of those terms and does not give rise to any claim by any participant.
    8. These T&Cs are governed by the laws of Zambia. By entering the Campaign, you agree to indemnify Mukuru against any claims or liabilities arising from your participation or acceptance of a Reward.
  5. Acceptance
    1. By participating in this Campaign, you acknowledge that you have read, understood, and agree to be bound by the Campaign Ts and Cs.