1. Introduction
    1. The Mukuru Christmas 2021 Campaign (“the Campaign”) is being run by Mukuru Money Transfer Limited  (Company Registration number 120130109728) (“Mukuru”) between 22 November 2021 – 2 January 2022 (“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. be a registered Mukuru Customer who is sending money with the Mukuru Service for the very first time; and
      3. send at least K600 (Six Hunded Zambian Kwacha) from Zambia to a recipient of your choice, during the Campaign Period;
      4. not have created your order at a Mukuru branch or Mukuru booth;
      5. 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. Mukuru must process your personal information to validate your entry and if you are a winner, to make the reward available to you. By entering the Campaign, you consent to us processing your personal information for this purpose. If you do not consent, please do not enter the Campaign.
  3. The Reward
    1. All Qualifying Participants will receive a discount of K60 (Sixty Zambian Kwacha) on the  Mukuru charges applicable to their Mukuru order (on the first Mukuru Order only). For the avoidance of doubt, the foreign exchange rate on an order is separate from charges charged by Mukuru on an order and will thus remain fully payable.
  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 Zambia.