Terms and Conditions: WesBank CashPower Personal Loans - Car of Choice Competition

1. This promotional competition is conducted by Direct Axis SA (Pty) Ltd (‘DirectAxis’) (Registration number: 1995/006077/07) (“the promoter”).
2. DirectAxis administers the following loan brand, amongst others, on behalf of WesBank as the credit provider: WesBank CashPower Personal Loans.
3. By entering the competition, you agree and accept to be bound by the competition rules contained herein.
4. The competition starts on 1 November 2018 and all entries must be received by 31 December 2018.
5. The winner may choose ONE of the following vehicles as a prize: a Volkswagen Polo 1.0 TSI Highline, a Toyota Corolla 1.3 Prestige or a Opel Crossland X 1.2. The first selection made by the entrant will be the entrant’s recorded choice of vehicle and any subsequent choices will be discarded. 
6. DirectAxis is an agent for WesBank and administers the following brand loan: WesBank CashPower Personal Loan.
7. Only existing personal loan customers of one of the brands referred to in clause 2 above as of 31 October 2018, and who received an SMS and / or email from DirectAxis inviting them to enter the competition during the period 1 November 2018 - 31 December 2018, may enter the competition.
8. To qualify as an existing customer:
1. your personal loan must still be open at the time of entering the competition and remain open until the competition start date of 1 January 2019 – meaning that at the time of entry the loan does not be paid up in full / settled early before 1 January 2019. 
2. the loan term expiry / end date of your loan needs to exceed the competition end date of 30 April 2019.
9. Existing customers who enter the competition, may not enter into any status of debt review, administration, sequestration, insolvency, and / or bankruptcy, at any point up until the competition end date of 30 April 2019 if they wish to remain eligible for the draw. Should you enter into one of these statuses, you will automatically be disqualified from the competition.
10. In order to enter you must be a resident of the Republic of South Africa and be 18 years or older.
11. To enter, you must respond to either the email or sms competition invitation received during the period of 1 November 2018 – 31 December 2018 in the manner as set out in the invitation and send your response by email or sms to reach DirectAxis by 31 December 2018.
12. From the date of entry until 30 April 2019 you must maintain your personal loan in terms of the personal loan agreement that forms the subject matter of the competition (the loan in terms whereof you were invited to enter the competition). Should you fall into arrears at any time during this period, you will automatically be disqualified from the competition unless you make payment of the arrears amount within 5 business days of falling into arrears. Any payment subsequent to this 5-day period will not result in your continued inclusion in the competition.
13. If the winner/s fail/s to comply with any of these competition rules or the terms of acceptance of the prizes, or if the winner/s unreasonably refuse(s) to sign the promoters’ winner/s declaration and prize acceptance form, or any other documentation required to effect delivery of the prize within a reasonable period as determined by the promoters, the winner will be disqualified and will forfeit the prize. The promoters may in its discretion decide to draw a replacement winner.
14. The promoters reserve the right to disqualify any entrant suspected of fraud or cheating including without limitations, through the manipulation of code or otherwise frequently falsifying data.
15. The right of admission into the competition rests solely with the promoters.
16. By entering the competition you agree and accept to be bound by the competition rules.  
17. Entries are limited to one entry per person, irrespective of the number of applicable personal loan agreements by the participant.
18. One winner will be drawn at random by an independent third party.
19. Subject to the law, all participants will be bound by the decision of the independent third party.
20. The date of the draw is the 8 May 2019.
21. The promoters will attempt to contact the winner via telephone and/or email and/or sms within two weeks of drawing the winner. If the winner cannot be reached after 3 attempts we reserve the right to draw a replacement winner.
22. Winners will be required to provide details and sign documentation required in law to effect the registration and delivery of the prize.
23. The results of the winner may also be published on the promoters’ Facebook pages, if applicable.
24. This competition is not open to:
1. Directors, members, partners, agents, employees or consultants of the promoters or the FirstRand Group or any supplier of goods or services in connection with the competition.
2. The spouse, life partner, business partner or associate, or the natural or adopted parent, child or sibling, of any persons set out in par (a) above.
25. If you enter by SMS, SMS’s will be charged at the maximum prescribed rate. “Free” minutes do not apply.
26. Please note that entry is through an electronic platform. Although the promoters will take all reasonable steps, the promoter will not be liable for any technical problems or any lost, delayed or incorrectly received entries.
27. The promoters will not be liable for any costs or expenses incurred by you in relation to the prize and the use thereof.
28. Winners may be requested to produce their ID books for purposes of verification.
29. The promoters do not make any representations or give any warranties, whether expressly or implicitly, as to the prize and makes no representations and gives no warranty that your entry will necessarily result in you winning a prize or that such prize, should you win, will be satisfactory, punctual, free from any defects, safe or reliable.
30. Subject to the law, the promoters will not be responsible for any harm, damage, loss or claim relating to the provision of any element of a prize or any changes to a prize that may be made at any time.
31. The prize is not transferable to another person, nor can it be exchanged for cash or be deferred.
32. The value of the prize includes VAT. Winner/s may be taxed in terms of applicable tax legislation and participants who require clarity as to the tax implications hereof should seek a directive from the relevant revenue service/authority.
33. Ownership and risk relating to the prize passes on delivery.
34. Prizes will be delivered to the winners to any address as specified in South Africa by 15 July 2019.   
35. The prize is provided as is and subject to the law the promoters will not be liable for any defective products, harm or consequential loss as a result of use of the prize, neither will the Promoters be liable to replace or repair any defective products.
36. You may not enter and will be disqualified if it is unlawful for the promoters to supply the prize to you.
37. You agree that the promoters may publish your name on marketing platforms including websites, blogs, newsletter and social media platforms. You may be requested to participate in marketing activities, but may decline such invitations at any time.
38. You agree that your participation in the competition, and your acceptance and/or use of a prize, or any aspect thereof, is at your own risk.
39. You, and in the event of your death, at any point from date of entry into the competition and up until the competition end date of 30 April 2019, will automatically be disqualified from the competition.
40. You, and in the event of your death, your family, dependents, heirs, assignees or any other beneficiaries of your estate, indemnify and hold the promoters and its suppliers harmless against any claim by you, or your partner (if applicable), (whether direct, indirect, incidental, punitive or consequential) of any nature, whether arising from negligence or any other cause, relating to any injury, loss, liability, expense and/or damage which you may suffer, howsoever arising, in relation to your entry into this competition and/or acceptance and/or use of the prize, unless to the extent prohibited in law.
41. The promoters reserves the right to cancel the campaign at any stage if deemed necessary in their opinion, and if circumstances arise outside of their control.