1. General

1.1 By participating in this competition, all participants agree that they will be bound by the terms and conditions set out hereunder.

1.2 By participating in this competition, all participants agree that they will not hold Santam Limited (“Santam”), its associated companies, agents, and/or contractors associated with this competition liable for any losses, harm, damages, injury, claims and/or actions of whatsoever nature in connection with and/or arising out of participation in this competition.

1.3 This competition is subject to the provisions of section 36 of the Consumer Protection Act, Act 68 of 2008.

1.4 Santam reserves the right to terminate, cancel, or amend this competition at any time and without prior notice, whether due to legislative, regulatory, or other reasons beyond its control. In such event, all participants agree to waive any rights they may have due to the termination and acknowledge they will have no recourse of whatsoever nature against Santam; its associated companies, agents, and/or contractors associated with this competition arising out of such termination.

1.5 Prizes are not redeemable for cash and are non-transferable in whole or in part.

1.6 Participants agree that they will not be entitled to any remuneration for participating in this competition, or for participating in any media format or appearances associated with this competition, should they elect to participate in such media format or appearances.

1.7 An entry into this competition will only be regarded as a valid entry if it meets all the terms and conditions as set out herein.

1.8 Prize winners will only be entitled to the prize after Santam’s representative as listed in clause 5.2 has verified the draw results and after Santam has notified the prize winner on email and cellular phone. The award of the prize is at the sole discretion of Santam, and the participants agree that they will have no right to select the prize.

1.9 Any violation or attempted violation of any of these terms and conditions, or any participant who acts or has acted in a dishonest or unethical manner to gain a benefit under this competition will result in immediate disqualification of the participant. Any prize awarded will be forfeited and/or reversed and/or returned to Santam upon request.

1.10 These Terms and Conditions are subject to change at any time at the discretion of Santam.

1.11 Santam is committed to ensuring the privacy and integrity of information submitted by the participants.

1.12 By participating in this competition, participants agree to exchange their personal information with Santam and agree further that Santam may collect, store, use and disclose the participants’ personal information in accordance with its Privacy Policy for purposes related to the competition (“Purpose”). By participating in this competition, participants consent to such collection, storage, usage, and disclosure. Click on the link to read the Santam Privacy Policy.

1.13 Santam may disclose certain personal information of participants, such as names, physical, postal and e-mail addresses to affiliated service providers for purposes of distributing promotional materials, newsletters, surveys and questionnaires or other information or material but only if a participant has specifically indicated their willingness to receive such materials or information.

1.14 These are the only terms and conditions applicable to this competition.

2. Definitions

For the purposes of this competition, the following terms will bear the meanings set out below:

2.1 “Participant” means any person who enters, competes in or is otherwise eligible to win a prize in this competition.

2.2 “Personal information” means personal information as defined in section 1 of the Protection of Personal Information Act, 4 of 2013.

2.3 “Prize” means 1 of 5 Takealot vouchers valued at R500 each.

2.4 “Prize winner” means the randomly selected participant to whom the prize is to be awarded.

2.5 “Santam” shall mean Santam Limited.

3. Criteria for participating in the competition

3.1 Participants must be 18 years of age or older when entering this competition.

3.2 Any director, member, partner, employee, agent or consultant of Santam, the marketing service providers, suppliers, distributors or any person who directly or indirectly controls or is controlled by these entities, including their spouses, life partners, business partners or immediate family members may not enter or participate in this competition.

4. When and how to enter/participate in the competition

4.1 Entry into this competition closes midnight Wednesday 31 December 2025. No entries will be accepted or considered after the closing date.

4.2 To be eligible for the draw of the prize, participants must complete the survey on the link provided, click here.

5. How will the winner be determined and notified?

5.1 Representatives from Santam’s Client Solutions / Internal Audit will select a prize winner at random within a week after the closing date.

5.2 A representative of Santam’s Internal Audit Department or an independent accounting firm or a registered auditor’s firm or an attorney or advocate will be appointed by Santam to oversee and verify the draw results.

5.3 Prize winners will be notified by Santam on email and cellular phone.

5.4 In the event of Santam not being able to contact the prize winner via their cellular phone or email provided within 24 hours of selecting them as prize winner, the next eligible prize winner will be selected at random as per clause 5.1 above.

Once a prize winner is announced in terms of clause 5.1 or 5.4, the decision of Santam is final and no further correspondence will be entered into.