DebtSafe’s “2022 South African Consumers’ Financial Reality Survey”

Terms and Conditions

DebtSafe (Pty) Ltd will be running a survey competition campaign online. Participants are required to complete the survey to stand a chance of winning the prize. The prize is a R 2 000 (Two Thousand Rand) cash prize.

The promoter and/or sponsor of the competition is DebtSafe South Africa (Pty) Ltd (“DebtSafe”) (Registration number: 2002/015575/07), a registered Debt Review / Counselling / No-Loan Debt Consolidation company with a registered office at 42 Van Riebeeck St, Mokopane, 0600.


  1. The survey competition commences on 06 June 2022 and ends on 26 June 2022, both days inclusive. After this date, no further survey entries to the competition will be permitted unless the survey competition is extended, wherein new closing dates will be applicable. The winner will be anonymously chosen within the two weeks after the survey competition has ended.


  1. The competition is open to all permanent residents and citizens of South Africa over 18 years, possessing a valid South African Identity Document.


  1. The competition is not open to:
    • directors, members, partners, agents, employees or consultants of DebtSafe & New Life Shared Services and/ or any associated or affiliated companies and/ or agencies or any supplier of goods or services in connection with a competition.
    • And the spouse, life partner, business partner or associate, or the natural or adopted parent, child or sibling of any person specified in the above.


  1. Participants must complete the entire survey and include their name, surname, contact number, and email address to enter the competition.


  1. A participant may enter only once.


  1. The winner will receive a R 2 000 (Two Thousand Rand) cash prize which will be paid over to a bank account confirmed and validated with the winner.


  1. The prize is not transferable or exchangeable.
  1. The participant must possess whatever documents and permissions that may be required in order to accept and use a prize, which documents and permissions are their responsibility to obtain at their own cost, and which copies and permissions must remain valid in such minimum form and for such minimum period after the prize date as may be required by the relevant authorities.
  1. DebtSafe may require the participant to provide us with such additional information and documentation as we may reasonably require to process, confirm and facilitate the acceptance and/or use of a prize. If the participant refuses to provide us with the requested information or documentation, they will forfeit the prize.


  1. DebtSafe’s marketing team will contact the winner to organise the prize within the two weeks following the survey competition.


  1. The winner will be notified via the email address and cell phone number they provided.


  1. DebtSafe will attempt to contact the winner three times within 72 hours with the contact details provided. Should DebtSafe fail to reach the winner after this time successfully, the winner will forfeit the prize and DebtSafe reserves the right to re-draw a new winner under the same conditions.


  1. One may not win a prize if it is unlawful for DebtSafe to supply such a prize to the participant. If a participant does win such a prize, they will forfeit it.
  1. Suppose one fails to comply with any of the terms and conditions, then without prejudice to any other remedy DebtSafe may have. In that case, the participant will be automatically disqualified and will forfeit the prize/s (if they have already won a prize).


  1. A participant’s entry into the competition and/or their acceptance of a prize (if they win a prize) constitutes their binding acceptance of the terms and conditions. 
  1. If they use a mobile phone for entry into the competition, the telephone calls/text messages/ data usage will be charged at the prevailing rates, which may vary from time to time. “Free” minutes under a cell phone contract do not apply.
  1. The participant’s responsibility is to ensure that DebtSafe receives its entry before the competition’s closure. Any entries that we do not receive before the competition’s closure will not be eligible to participate, regardless of the reason for the late entry. We and our affiliates are not responsible for entries that we do not receive, whether timeously or at all, regardless of the cause. Without limitation, we and our affiliates are not responsible for any problems or technical malfunction of any telephone network or lines, online computer systems, servers, or providers, computer hardware or software failure or malfunction, traffic congestion (whether physical or on the Internet, telephone lines or at any service provider, web site or other device or medium), or any combination thereof, or any other technical or other problems.
  1. DebtSafe and our affiliates are not responsible for any injury or damage to the participant’s or any other person’s computer, mobile telephone or other device used to enter into or obtain any materials related to the competition.
  1. Their responsibility is to ensure that any information provided to DebtSafe is accurate, complete and up to date. Should any of the data provided by the participant in connection with this survey competition prove to be invalid, inaccurate, false or misleading, their entry shall be disregarded, and they shall be prohibited from entering any further DebtSafe competitions for a set period to be determined by DebtSafe.
  1. DebtSafe does not make any representations or give any warranties, whether expressly or implicitly, as to a prize, and in particular, but without limitation, make no representations and provide no warranty that –
    • a participant’s entry or participation in the competition will necessarily result in them winning a prize; or
    • a prize, or any aspect thereof, will meet their requirements, preferences, standards or expectations.
  1. DebtSafe, including its affiliates, 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.
  1. Prizes are not transferable and may not be deferred, changed or exchanged for any other item.
  1. DebtSafe may invite a participant to be present when the prize winners are determined or announced, to participate in any of our marketing activities, to appear in person in the electronic media and/or the print media, and/or to endorse, promote or advertise any of our goods or services, for which no fee, royalty or other compensation will be payable. They may decline such an invitation.
  1. DebtSafe, as the case may be, reserves the right to vary, postpone, suspend, or cancel the competition and any prizes, or any aspect thereof, without notice at any time, for any reason we deem necessary. In the event of such variation, postponement, suspension or cancellation, the participant agrees to waive any rights, interests and expectations that they may have in terms of this competition and acknowledge that they will have no recourse against us, our affiliates and third party suppliers.
  1. They agree that their participation in the competition and their acceptance and/or use of a prize, or any aspect thereof, is at their own risk.
  1. DebtSafe and affiliates will not be responsible and disclaim all liability for any loss, liability, injury, 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 their participation in the survey competition or the acceptance and/or use by them, or a partner (if applicable), of any prize, or by any action taken by DebtSafe or any of its affiliates per the terms and conditions.
  1. The participant, and in the event of death, their family, dependants, heirs, assignees or any other beneficiaries of their estate, indemnify and hold us and our affiliates harmless against any claim by the participant, 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 they may suffer, howsoever arising, concerning their entry into this competition and/or acceptance and/or use by them of a prize.
  1. The participant acknowledges that the acceptance and use of a prize are subject to the proviso that –
    • all of the terms and conditions will apply to both the participant and their partner (if applicable), and they will ensure that their partner agrees to be bound and complies and will continue to comply, in addition to that;
    • they will take full responsibility for their partner;
    • they indemnify and hold us and our affiliates harmless against any claim by their partner or any third party if their partner suffers any loss or damage according to their partner’s acceptance and/or use of a prize;
    • a parent or legal guardian will accompany any minor.
  1. By entering this survey competition, participants agree to receive marketing and/or promotional material from DebtSafe and/or any of their associated or affiliated companies. No survey participant or winner of this competition is obliged to enter into Debt Review with DebtSafe and/or a contract with their associated or related companies.
  1. For purposes hereof, “affiliate” means DebtSafe‘s partners, co-promoters and sponsors of this survey competition, our subsidiaries, their subsidiaries and respective holding companies, their holding companies, and our and their directors, officers, employees, agents and representatives.
  1. These terms and conditions will be construed, interpreted, and enforced per the contract and dispute resolution laws in the Republic of South Africa.
  1. DebtSafe and the judges’ decision on any matter concerning the survey competition and/or arising out of these terms and conditions is final and binding on the participant, and no correspondence will be entered into.

The DebtSafe Team