1. Introduction 
    1. The Mukuru Ramadan 2022 Competition (“the Competition”) is being run Send Money Home Private Limited  (Company Registration number 1446/2012)   trading as Mukuru (“Mukuru”) from 2 April 2022 to 2 May 2022 (“the Competition Period”) subject to these specific terms and conditions and the general terms and conditions for competitions which can be found at www.mukuru.com (“Competition Ts & Cs”) 
    2. By participating in the Competition, you and the recipient confirm that you have both read and agree to be legally bound by the Competition Ts & Cs (as may be applicable). 
    3. If you have any questions about the T’s & Cs or the Competition itself, please contact us at marketing@mukuru.com (weekdays during office hours 08h00 – 17h00). 
  2. Competition Entry Requirements:
    1. In order to qualify for entry into the Competition: 
      1. You must be a registered Mukuru Customer in Zimbabwe (as defined by Mukuru);  
      2. You must send at least USD270 (Two hundred and seventy US Dollars) to a recipient of your choice residing in Bangladesh, Pakistan or India, during the Competition Period; 
      3. You must be able to comply with the Umrah Visa requirements set out at: https://www.saudia.com/before-flying/travel-information/hajj-and-umrah/umrah-visa ;  
      4. Be able to travel to undertake Umrah before November 2022; 
      5. The you must abide by all the Competition Ts and Cs. 
    2. If you are a winner of a prize you agree that we may take a picture of you and/or receive a story and/or a picture from you on how you used the prize. You agree that we may use such picture and/or story on all our social media platforms for marketing purposes relating to the Competition and in this regard you give us a unrestricted, perpetual, worldwide, royalty-free, irrevocable license to so use your picture and/or story. You waive the right to inspect or approve any use of your picture or story by Mukuru and you waive any right to payment or additional consideration for Mukuru’s use of your picture or story. You release Mukuru from any actions, liabilities, losses, demands or claims that you or any third party may have now or in the future in respect of Mukuru’s use of your picture and/or story. If you send us a picture and the picture contains the images of third parties you expressly warrant that you have obtained the permission from such third parties (or, if under age, their legal guardians) that we may use such picture on all our social media platforms for marketing purposes relating to the Competition and you indemnify us against any claims by such third parties in this regard. If you do not consent, please do not enter the Competition.
    3. Senders who fulfil the requirements of clause 2.1 and 2.2 above will be referred to as “Qualifying Participants” for the purposes of the Competition.  
  3. The Prize 
    1. All Qualifying Participants from South Africa, Zimbabwe, Zambia, Lesotho and Botswana will be entered into the draw to win the Prize. One winner will be randomly selected from all of the above Qualifying Participants.
    2. The Prize consists of financial assistance up to a maximum amount of USD2,749.06 (Two thousand seven hundred and forty nine US Dollars and six cents) to assist the winner to undertake Umrah to Makkah. Mukuru will assist the winner with the arrangements below and will make payment of the following (up to the maximum amount):
      1. application for Umrah Visa
      2. return flight tickets (economy class on a carrier of Mukuru’s choice) 
      3. costs of a covid test if applicable; 
      4. accommodation (of Mukuru’s choice and for the maximum amount of days as determined by Mukuru);
    3. Exclusions: all expenses not expressly listed in clause 3.2 above. The winner will be solely responsible for all such expenses.
    4. The trip must be undertaken prior to November 2022 or the winner will forfeit the prize.
    5. The winner will forfeit the prize should an Umrah Visa not be granted for whatever reason. The winner understands that Mukuru has no control over whether an Umrah Visa will be granted. 
    6. The winner understands that an Umrah Visa, once granted, is only valid for 30 days and the winner needs to arrange all travel plans accordingly. Mukuru is not responsible for ensuring that the winner arranges the travel and/or travels within the required periods. Where Mukuru suggests the use of a local travel agent, the winner understands that it uses such travel agent at its own risk and Mukuru will not be liable for any acts or omissions of such travel agent.
    7. Winners will be contacted via email or telephone prior to 31 May 2022 and may also be announced on social media. If a winner cannot be successfully  contacted (where a winner responds with the required information) after three tries, the winner will forfeit the Prize.
  4. General
    1. Mukuru employees will not be allowed to enter the Competition.
    2. Qualifying Participants must be 18 years or older. 
    3. A Qualifying Participant can only win once during the Competition Period. 
    4. If the winner is not fully vaccinated, Mukuru cannot guarantee that the winner will be able to make use of the Prize in full or in part and Mukuru disclaims all liability in this regard. 
    5. The winner needs to hold a valid passport.  
    6. The Prize is not transferrable and cannot be exchanged for cash. 
    7. Mukuru cannot guarantee that the winner will be able to enter into Saudi Arabia, the accommodation provided or any other facility and disclaims all liability in this regard. 
    8. If for any reason, the Competition 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 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.  
    9. 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.  
    10. Mukuru cannot be held liable for any type of loss, expense or damage to any person participating in the Competition. 
    11. Neither Mukuru  nor its agents shall be responsible for any loss or misdirected entries, including entries that were not received due to any failure of hardware, software, or other computer or technical systems affecting participating and/or prize redemption process of the Competition. 
    12. 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 Entrant or winner. If Mukuru does not enforce a provision, this will not mean that Mukuru has given up on or lost any rights. 
    13. Mukuru will not assume any liability to any participant, Qualifying Participant, or prize winner in connection with or arising out of the Competition however it is caused, including for any costs, expenses, forfeited prizes, damages and other liabilities  
    14. These Competition Terms and Conditions are governed by and determined in accordance with the laws of Zimbabwe.