Competition Terms & Conditions

All participants, by entering the lucky draw, agree to be bound by the following terms and conditions:

1. The promoter of the lucky draw is: THE STANDARD GENERAL INSURANCE COMPANY LIMITED (“STANGEN”) (Registration number 1948/029011/06) whose registered office is at Building A; Bryanston Corner; 18 Ealing Crescent; Bryanston, 2191.
2. The lucky draw is for all those that complete a Life Insurance Quote either Online or via Phone-call.  All participants are eligible for one entry into the draw only.
3. Staff members of Stangen and/or any of its associated or affiliated companies and/or agencies, and members of their immediate family cannot partake in the lucky draw, it is only  available to the public.
4. Stangen is not responsible for inaccurate prize details supplied to any entrant by any third party connected with this lucky draw. The available prize is R20 000 in cash.
5. The criteria for the competition is: You follow the Facebook or SMS marketing messaging into a Get a Stangen Quote link. Entrants must follow the process of getting a quote in one of 2 ways: 1) Online and/or (2) Phone-call:
   1. Online – entrants must follow the prompts on the sales process i.e. (i) Fill in the Contact Details; (ii) Fill in the Lifestyle Questions; (iii) Fill in the Financial Questions; (v) Fill in the Travel Questions; (vi) Fill in the Recreation Questions; and (vii) Answer the Medical Questions.
   2. Phone-call – entrants to go through the sales process over the phone i.e. (i) Provide  your Contact Details; (ii) Answer the Lifestyle Questions; (iii) Answer the Financial Questions; (iv) Answer the Travel Questions; (v)Answer the Travel Questions; (vi) Answer the Recreation Questions; and (vii) Answer the Medical Questions. Once an entrant has followed the entire process – only then can they qualify to be entered into the lucky draw. 
6. The lucky draw campaign will open on 6 January 2020 and the closing date is 17 April 2020. During this four-month period, a total of 16 (sixteen) winners will be selected, with 1 (one) winner being drawn per week. The winners will be notified via email / telephone on a weekly basis from 10 January 2020 to 17 April 2020. Stangen reserves the right to extend the campaign beyond these timelines.
7. By following the process and entering the competition entrants agree to receive marketing and/or promotional material from Stangen and/or any of their associated or affiliated companies  or websites including, but not limited to, Wise About Life.
8. The winner will be selected by means of an automated random selection program that will pick a Case Number and the owner of that case number will be identified as the winner. The winner will be required to be featured in an announcement video that will be distributed on Stangen's digital platforms.
9. Stangen bears no responsibility for any entries not received for whatever reason.
10. Stangen and its affiliates are not responsible for any injury, loss or damage to entrants or any device used by entrants to enter into, or obtain any materials related to, the lucky draw.
11. Stangen does not make any representations or give any warranties, whether expressly or implicitly, as for a prize, and in particular, but without limitation, make no representations and give no warranty that –
    1. an entry or participation in the lucky draw will necessarily result in entrants winning a prize;
    2. a prize, or any aspect thereof, will meet the winner’s requirements, preferences, standards or expectations; or
    3. a prize, or any aspect thereof, will be satisfactory.
12. Stangen and 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 at any time.
13. Prizes are not transferable and may not be deferred, changed or exchanged for any other item. Prizes are subject to availability and Stangen reserves the right to substitute any prize with another of equivalent value without giving notice.
14. Entrants may not win the prize if it is unlawful for Stangen to supply such a prize to them. If an entrant is selected as the winner and it is deemed unlawful they will forfeit the prize.
15. The objective of this lucky draw competition is to create lead generation. It is to encourage the entrants to go through the entire process and get exposed to the brand experience. It is to create a data for remarketing and conversion.
16. If Stangen or a third party is unable to contact the selected winners either via email or telephone within 10 (ten) business days of selection with a view to complete filming and production of the winner announcement video, then Stangen reserves the right to select a new winner under the same conditions. The previous selected winner will forfeit participation in the lucky draw if Stangen or a third party is unable to contact them.
17. Stangen may require the winners to provide reasonable additional information required to process and facilitate their acceptance and/or use of a prize.
18. Stangen reserves the right to vary, postpone, suspend, or cancel the lucky draw and any prizes, or any aspect thereof, without notice at any time, for any reason which they deem necessary. In the event of such variation, postponement, suspension or cancellation, entrants agree to waive any rights, interests and expectations that they may have in terms of this lucky draw and acknowledge that they will have no recourse against Stangen and/or their affiliates, and any associated third-parties.
19. Entrants agree that their participation in the lucky draw, and acceptance and/or use of a prize, or any aspect thereof, is at their own risk.
20. Stangen and their 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 entrants due to participation in the lucky draw or the acceptance and/or use by them, or their partners (if applicable), of any prize, or by any action taken by Stangen or any of their affiliates in accordance with the terms and conditions.
21. If the winner fails to comply with any of the terms and conditions, then without prejudice to any other remedy which Stangen may have:
    1. they will be automatically disqualified, and they will forfeit any prize already won;
    2. they will reimburse Stangen for any loss or damage incurred by Stangen directly or indirectly as a result of their non-compliance, including all of their legal costs (including attorney and own client costs) which Stangen may incur in taking any steps pursuant to the winner’s non-compliance; and
    3. winners indemnify and hold Stangen and their affiliates harmless against any claim by any person, (whether direct, indirect, incidental, punitive or consequential) of any nature, whether arising from negligence or any other cause, relating to any death, injury, loss and/or damage which may be suffered howsoever arising in relation to their failure to comply therewith.
22. For purposes hereof, “affiliate” means any Stangen partners, service providers,co-promoters and sponsors of this lucky draw, Stangen subsidiaries, and their subsidiaries and respective holding companies, the subsidiaries of their holding companies, and Stangen and their directors, officers, employees, agents and representatives.
23. These terms and conditions will be construed, interpreted and enforced in accordance with the laws of the Republic of South Africa.
24. Stangen’s decision on any matter concerning the lucky draw and/or arising out of these terms and conditions is final and binding on the winner, and no correspondence will be entered into.
25. Any violation or attempt to violate any of the above rules will result in the immediate disqualification of the entrant.
26. The Standard General Insurance Company Limited is an authorised financial services provider (FSP licence number: 47235).