Capitec And WeBuyCars collaborative campaign T&Cs

1. Introduction
1.1 These terms and conditions ("T&Cs") govern the participation in the win a car campaign ("Campaign") between Capitec Bank Limited ("Capitec") with registration number 1980/003695/06 , a company incorporated in the Republic of South Africa and having its registered address at 5 Neutron Road, Techno Park, Stellenbosch, Western Cape and We Buy Cars (Pty) Ltd ("WeBuyCars") with registration number 2015/130772/07 , a company incorporated in the Republic of South Africa and having its registered address at Building 7, Byls Bridge Boulevard, Highveld, Centurion (collectively the “Promoters”).
1.2 By participating in the Campaign, participants agree to be bound by these T&Cs.

1.3   Please read these T&Cs carefully, as some of these may limit the risk or liability of the Promoters or a third party and/or may create a risk or liability for the participant and/or may compel the participant to indemnify the Promoter or a third party and/or serve as an acknowledgement of the participant, of a fact.

1.4   None of the contents of these T&Cs is intended to or must be understood to, unlawfully restrict, limit or avoid any rights or obligations, as the case may be, created either for the Promoters or the participant in terms of the Consumer Protection Act 68 of 2008 (“the Act”) and the Regulations of the Act.

1.5   By entering the Campaign, the participants acknowledge that they have had an opportunity to read these T&Cs and that they understand and agree to these T&Cs.

2. Campaign Period
2.1 The Campaign will run from 10 February 2025 to 6 April 2025 ("Campaign Period").

3. Eligibility
3.1 The Campaign is open to any individual who will qualify as a participant on the following terms:
 3.1.1     Is a citizen and/or permanent resident of, and permanently living in, the Republic of South Africa (“RSA”);
3.1.2     Is 18 (eighteen) years of age or older at the time of an application for a Vehicle Loan during the Campaign Period and must have an RSA ID document or valid passport and relevant documents allowing him/her to purchase a vehicle;
3.1.3     Applies for a Capitec Vehicle Loan (“Vehicle Loan”) during the Campaign Period;
3.1.4     Meets Capitec’s Vehicle Loan application criteria and submits all required documents within the Campaign Period; and
3.1.5     Is not an employee, director, member, partner, agent or consultant or any person directly or indirectly who controls, or is controlled by the Promoters and/or immediate family members of any employee, director, member, partner, agent or consultant of or person indirectly or directly in control or controlled by the Promoters or its agencies, advisers, dealers, suppliers, its affiliates and/or associated companies may enter the Campaign.
3.2 Applications for Vehicle Loans submitted in a WeBuyCars or Capitec branch and through Capitec’s online application channels will be eligible. 
3.3 Each participant is limited to 1 (one) entry, irrespective of the number of Vehicle Loan applications submitted.

4. Competition Entry
4.1 To enter the competition, participants must:
4.1.1      Apply for a Capitec Vehicle Loan during the Campaign Period.
4.1.2     Use the Vehicle Loan or prize amount to finance the purchase of a vehicle from WeBuyCars, either at a WeBuyCars branch or online.
4.2 Vehicle Loan applications that are incomplete, withdrawn, or submitted outside the Campaign Period will not qualify for entry.

5. Prize Details
5.1  Prize Value
5.1.1     1 (one) winner will receive a prize amount of up to R200,000 (two hundred thousand rand) towards the purchase of a vehicle.
5.1.2 This prize amount may only be used for the specific purpose of purchasing (or partially settling the purchase price of) a single vehicle.

5.2  Vehicle Purchase and Coverage
5.2.1 If the chosen vehicle’s purchase price is R200,000 or less, the prize amount will fully cover the cost of the vehicle (which will include any applicable taxes, licensing fees, registration costs, and/or delivery charges).
5.2.2 If the chosen vehicle’s purchase price exceeds R200,000, the prize amount will be applied to reduce the amount owed, and the winner shall be responsible for paying the remaining balance or arranging finance for the shortfall.

5.3  Example of Prize Coverage

5.3.1         Should the winner choose a vehicle which purchase price is R150 000.00 as advertised by WeBuyCars, the prize amount will only cover the R150 000 as well as applicable taxes, licence and registration fees and delivery charges.

5.3.2        The Promoters make it clear that the prize amount will only cover the purchase price up to a maximum of R200 000. Should the purchase price be less than R200 000, as in the aforementioned example, then whatever is left (after taxes, licensing fees, registration costs, and/or delivery charges) is not part of the prize amount and the winner will have no claim to this.

5.4 Payment Method
5.4.1 The prize amount will be paid directly to WeBuyCars to either:

5.4.1.1      Cover the cost of the vehicle, up to a maximum of R200 000; or

5.4.1.2     Partially settle the balance owed on the vehicle, where the purchase price exceeds R200 000.

5.4.2       Under no circumstances will the prize amount be paid out in cash directly to the winner.

5.4.3        The winner undertakes to, as soon as possible, do all things necessary to enable the Promoters to comply with its obligations in terms of these T&Cs, including, but not limited to, providing such personal information as may be required to facilitate the handing over of the prize amount.

5.4.4       Where a prize amount was obtained through the Campaign and the winner subsequently cancels or returns the vehicle for any lawful reason, including cancellations or returns under sections 55 and 56 of the Act, the winner must:

5.4.4.1        Inform Capitec of such cancellation or return; and

5.4.4.2       Inform WeBuyCars at the time of cancellation or return that the prize amount was applied to the purchase price;

failing which the prize amount shall be forfeited.

5.5  Additional Terms
5.5.1 The vehicle selection is subject to availability, and the Promoters do not guarantee the availability of any particular make, model, or specification.
5.5.2 The winner is solely responsible for any extra costs incurred beyond the R200 000 prize amount contribution, including but not limited to delivery charges, taxes, licensing, registration, insurance, and any extras or accessories.
5.5.3 Capitec will not be liable for any costs or damages incurred by the winner due to delays, unavailability, or other issues related to the purchase of the vehicle.
5.5.4       These T&Cs may be amended by the Promoters by notification at any time during the Campaign.
5.5.5       The Promoters may cancel the Campaign at its own reasonable discretion.

6. Winner Selection and Notification
6.1 The winner will be randomly selected by an independent auditor or authorised representative within 14 (fourteen) days of the Campaign Period ending.
6.2 The winner will be notified via the contact details provided during their Vehicle Loan application.
6.3 If the winner cannot be reached within 3 (three) days, the prize amount will be forfeited, and an alternate winner will be selected.

7. Prize Redemption
7.1 The winner must select their vehicle from WeBuyCars within 30 (thirty) days of being notified. 
7.2 Should the winner not select their vehicle within the 30 (thirty) days of being notified, the prize amount will be forfeited and the winner shall have no claim whatsoever against the Promoters.
7.3 The winner must sign the necessary documentation to finalise the Vehicle Loan adjustment or vehicle purchase.
7.4 The prize amount is non-transferable and cannot be assigned, sold or transferred to any other party, individual or transaction. Additionally, there shall be no variation, modification, or alteration of these T&Cs, as determined by the Promoters, and these T&Cs shall remain binding on the participant involved in the specific invoiced transaction.

8. General

8.1   The Promoters, its affiliates, employees, advertising agencies and suppliers will not be liable for the failure of any technical element relating to the Campaign that may result in any entry not being successfully submitted.

8.2  The prize amount, awarded to the winner will be determined by an independent auditor or authorised representative.

8.3  A participant’s entry and/or participation in the Campaign and/or a participant’s acceptance of the prize amount (if the participant wins) constitutes their binding acceptance of these T&Cs.

8.4  Should any dispute arise in relation to the interpretation of these T&Cs, the Promoters’ decision shall be final, and no correspondence shall be entered into.

8.5  The Promoters may refuse to award the prize amount to any participant(s) if there is any suspicion of irregularity or fraud.

8.6  A participant may not win a prize amount if it is unlawful for the Promoters to supply such a prize amount to a participant. The participant must be eligible to win the prize amount.

8.7  Any documents, permissions and/or any legal or regulatory requirements that may be required by these T&Cs or any other applicable law of the RSA in order to accept and use a prize amount, shall remain the participant’s responsibility to obtain and/or observe at the participant’s own cost, and which documents and permissions must remain valid in such minimum form required by these T&Cs or any other applicable law of the RSA.

8.8  The Promoters, its affiliates, employees, advertising agencies and suppliers will not be responsible, and hereby disclaim all liability, for any loss, injury or death, expense or damage (whether direct, indirect, incidental, punitive or consequential) of any nature, whether arising from negligence or any other cause, which is suffered by a participant’s participation in the Campaign or the acceptance and/or use by a participant, of any prize amount, or by any action taken by the Promoters or any of its affiliates, employees, advertising agencies and suppliers in accordance with the Campaign T&Cs. For the avoidance of any doubt, the Promoters make it clear that Capitec will not be liable for any defects or faults whatsoever with the vehicle which the winner purchased from WeBuyCars.

8.9  Subject to the winner’s right to expressly grant, decline or withdraw consent, the Promoters will request that a winner share proof of the actions taken (personal information of the winner) for the purpose of administering the Campaign.

8.10 Failure to provide proof of actions will result in an automatic forfeiture of the prize amount and the Promoters will exercise its right to select another winner.

8.11 Personal information collected will –

8.11.1        Not be used for any other purpose other than the administration of this competition.

8.11.2       Not be shared with any third parties without obtaining consent from the winner.

8.11.3       Be processed in accordance with the Promoters’ privacy policies.

8.12       Participants in this Campaign understand and agree that in order to offer the Campaign, the Promoters must collect and use personal information about the participants. This Campaign is conducted under the terms of the applicable privacy laws of the RSA.

8.13       By entering the Campaign, participants consent to their information being shared with the Promoters solely for the purposes of the Campaign.

8.14       If a participant fails to comply with any of these T&Cs, then without prejudice to any other remedy which the Promoters may have, that participant will be automatically disqualified and will forfeit the prize amount (if the participant has already won a prize amount).

8.15       Subject to the participant’s right to expressly accept, decline and withdraw consent or participation, the Promoters may:

8.15.1       Publish images of the prize amount winner on its marketing material in any format, for a period not exceeding 12 (twelve) months from the date of winning.
8.15.2      If the Promoters are required for any lawful reason to alter any aspect of the Campaign or to terminate the Campaign because of changes in legislation, the Promoters will have the right to terminate the Campaign with immediate effect and without notice of such termination. In such event, all participants hereby waive any right which they may have against the Promoters, its affiliates, employees, advertising agencies and suppliers.
8.15.3      Reserve the right to vary, postpone, suspend, or cancel the Campaign and any prizes, or any aspect thereof, without notice at any time for any reason which we deem necessary. In the event of such variation, postponement, suspension, or cancellation, the participant agrees to waive any rights, interests, and expectations that the participant may have in terms of this Campaign and acknowledge that the participant will have no recourse against the Promoters, their affiliates and third-party suppliers.

8.16       Income taxes relating to the prize amounts, if any, are the sole responsibility of the winner.

8.17        These T&Cs will be construed, interpreted, and enforced in accordance with the laws of the RSA.

9. Contact Information
For any questions or queries regarding the Campaign, participants may contact Capitec’s customer line 0860 1020 43.