“YOU NEVER FORGOT THE LESSON’’ #MONEYFEELS RADIO COMPETITION (“COMPETITION”) TERMS AND CONDITIONS (“TERMS”)
1. DURATION
The Competition starts at 06h00 on Wednesday, 22 July 2026, and ends at 23h59 on Friday, 31 July 2026 (“Competition Period”).
The Competition will run on participating radio stations, namely Lotus FM, Heart FM, Gagasi FM, Groot FM, HOT 102.7FM, Kaya FM and Jozi FM.
2. REQUIREMENTS
To qualify as an entrant into this Competition, you must meet all of the following requirements:
- Be 18 (eighteen) years of age or older.
- Be a citizen or permanent resident of the Republic of South Africa.
- Possess a valid South African ID or passport.
- Permanently reside in the Republic of South Africa.
3. HOW TO ENTER
- Listen to the participating radio station during the Competition Period.
- Enter by sending a WhatsApp voice note to the [xxxxxxxxx] communicated on-air by the participating station.
- In your voice note, share your #MoneyFeels by answering the following:
- Who first taught you how to save?
- How did they teach you to save?
- How have those lessons influenced your financial journey today?
- Include your full name and Surname in your submission.
- By entering, you agree that your voice note may be broadcast on-air and used by Old Mutual and the participating radio station for promotional and marketing purposes.
4. COMPETITION RULES
- Entries will be reviewed by the judging panel, and selected voice notes may be played on-air during the campaign.
- Selected entrants may be contacted to participate in a live or recorded on-air competition moment.
- During the on-air competition moment, presenters may ask additional questions about the entrant’s savings journey, including what inspired them to save, what challenges they have experienced, and what motivates them to continue saving or investing.
- If an entrant cannot be reached, declines to participate, or cannot be connected due to technical difficulties, another entrant may be selected.
- The judges’ decision is final, and no correspondence will be entered into.
- Any incomplete, offensive, misleading, fraudulent or inappropriate entries will be disqualified.
- Participants may only win one (1) prize during the Competition Period.
- Any incomplete, offensive, misleading, fraudulent or inappropriate entries will be disqualified
5. PRIZE
- During the Competition Period, selected winners will each receive a cash prize of R5,000 (Five Thousand Rand).
- The cash prize is intended to encourage winners to continue their savings journey in the spirit of the campaign message, “Ugay’thinti Lena!”
- The prize is not transferable, exchangeable or negotiable.
- Old Mutual reserves the right to substitute the prize with another prize of equal or greater value should circumstances require.
- Prize payments are processed within 7–20 days.
6. PRIZE CONDITIONS
- Winners will be required to verify their identity before the prize is awarded.
- Cash prizes will be paid into a South African bank account held in the winner’s name.
- Winners must provide all documentation reasonably required to facilitate prize fulfilment.
- Failure to provide the required documentation within the stipulated time may result in forfeiture of the prize.
7. GENERAL TERMS
- The Competition is promoted by MediaHeads 360 in partnership with Old Mutual.
- Any reference to “the Promoter” refers to MediaHeads 360.
- Employees, directors, agents, consultants and immediate family members of MediaHeads 360, Old Mutual, participating radio stations, their agencies and associated companies may not enter the Competition.
- The Competition is governed by the Consumer Protection Act 68 of 2008 and all other applicable South African legislation.
- By entering the Competition, participants agree to be bound by these Terms and Conditions.
- The Promoter reserves the right to amend, suspend or cancel the Competition at any time should circumstances beyond its reasonable control require this.
- The Promoter reserves the right to verify all entries and disqualify any entrant found to have breached these Terms or acted fraudulently.
- Winners may be required to participate in publicity, including on-air interviews, photography, video recordings and social media content relating to the Competition, without additional compensation.
8. LIABILITY
- The Promoter will not be responsible for any technical failures, network interruptions, delayed, incomplete or lost entries.
- The Promoter accepts no responsibility for any loss, damage or injury suffered as a result of participating in the Competition or accepting the prize, except where liability cannot be excluded in terms of applicable law.
9. PRIVACY NOTICE
- MediaHeads 360 and Old Mutual will process participants’ personal information solely for the purposes of administering the Competition and related promotional activities.
- Personal information will be processed in accordance with the Protection of Personal Information Act, 4 of 2013 (“POPIA”).
- Personal information will not be shared with third parties except where necessary to administer the Competition, fulfil prizes or where required by law.
- By entering the Competition, participants consent to the collection, processing and storage of their personal information for these purposes.
- Participants may be required to confirm the following declaration:
“I have read and accept the Competition Terms and Conditions and consent to the processing of my personal information for purposes of administering this Competition.”
- Participants who do not accept these Terms and Conditions will not be eligible to participate.