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Life Insurance
Terms & Conditions for Promotions and Competitions

These general conditions for promotions and competitions apply to competitions and other promotional activities organised by MiWayLife. By participating in the competitions, the participant agrees to the following Competition Terms and Conditions. In addition, each competition and/or other promotion may have specific terms and conditions mentioned in the competition rules.

All competitions and/or promotions published by, or on behalf of MiWayLife will be subject to the following conditions:

1.1. Only South African citizens or permanent residents of South Africa who are between the ages of 18 and 64 may participate in the competitions or promotions.
1.2. Excluded from participation are staff and relatives of MiWayLife and cohabiting partners or family of the employees. Also excluded from participation are the staff and relatives of any person acting on behalf of MiWayLife in respect of any competition or promotion.
2.1. To enter the competition, or where applicable, a promotional benefit, the participant must obtain an obligation-free life-cover quote from MiWayLife. MiWayLife’s decision to grant a prize or promotional award does not rely on the applicant or participant taking up a MiWayLife policy.
2.2. Applicants who are unable to complete the life-cover quotation independently due to auditory or other impairments may apply with the assistance of a curator.
2.3. Multiple entries may not be permitted as entries are counted on a person basis and not by the number of quotes obtained. Only in instances where MiWayLife runs a referral campaign will additional (“bonus”) competition entries be permitted.
2.4. The specific promotion or advertisement may identify Referral campaigns, and will clearly state that additional entries to a competition can be gained through a set number of referrals. These additional entries will be regarded as “bonus entries” (eg. 3 referred applicants will make one eligible for 1 bonus entry).
2.5. It shall remain conditional upon the initial applicant/participant and all referees obtaining a quote. All other rules as contained in these terms and conditions, except where this exception applies, shall remain applicable (eg. multiple quotes do not result in multiple entries).
3. The participant must provide accurate, current, and complete information when participating in the competition. MiWayLife may request a winner to provide proof of their identity and residence information before presenting the award or prize. Furthermore, all information required to accurately determine the identity of the applicant or participant must be supplied to MiWayLife.
4.1. The prize and/or promotional award is personal and is registered in the name of the winner. The prize is not transferable, exchangeable, or payable in cash or other products or services. In case of refusal or non-acceptance of the prize or conditions that are inherent to a competition, the prize will not be awarded. In that case, MiWayLife is entitled to choose another winner.
4.2. Should MiWayLife not be able to reach a winner for 7 days, it may choose another winner.
4.3. The transfer of ownership of the prize or promotional award is dependent on the cooperation of the applicant and/or winner with the competition or promotional rules and registration process.
4.4. In the case of the MiWayLife MiLegacy campaign, the prize will not be payable in cash to the winner directly, but payable towards an existing need, invoice, account or purchase for their business and/or legacy. Monthly winners will be announced by the 10th of the following month, however where it is not possible due to the nature of the competition and/or unforeseen circumstances, the winner may be announced later in the month. The selected top 3 entrants will be put to public vote to secure a winner.
5. On the request of MiWayLife, the winner(s) must cooperate to the extent that would be reasonably expected of them, including, where agreed, publicity regarding the announcement of the winner(s) across all media platforms, including radio, television, social media, and website. No financial compensation will be paid for cooperation with these promotional activities, unless agreed otherwise by MiWayLife.
6.1. Applicants for a competition or promotional award permit MiWayLife and its competition partners to process their personal data about participation in the competition or promotion. MiWayLife and its competition partner(s) will safely store all entrants’ and applicants’ personal information in its database, which is confidential and will be treated in accordance with the Protection of Personal Information Act.

6.2. Personal information may be used to execute the competition and the granting of a promotional award. In this regard, MiWayLife is entitled to provide personal data to third parties involved in the relevant competition (including suppliers, advertisers, sponsors, and/or producers) to communicate and deliver the prize or granting of the promotional award. In limited instances, MiWayLife may share personal information with a competition partner for marketing purposes.
6.3. MiWayLife may send communication related to the products and services it offers and other topical information connected thereto.
7. MiWayLife is entitled to, at its discretion and without notice, change or modify these terms and conditions to the competitions or promotions without giving a reason to discontinue, modify or adapt the competition for reasons of its own without any obligation to compensate any damages on behalf of the participant. Any changes or adaptations within the competition will be made public in an appropriate manner (e.g. via its website and other media platforms). MiWayLife also reserves the right to amend or alter these terms, the conditions of a competition, the requirements of a promotion at any time and reject entries from entrants who act outside of the fair spirit of the competition and/or promotions.
8. MiWayLife is the proprietary holder of all information resulting from the competition or promotion.

Prize or promotional award delivery/logistical terms
9.1. Where MiWayLife grants a prize, it will inform the winner promptly through an appropriate medium and will send a settlement letter setting out the winner’s details, description of the award or prize, and any other relevant terms in connection to the delivery of the award to be signed by the winner.
9.2. In the case of physical delivery of a prize or promotional award, MiWayLife will be responsible for arranging delivery and will only use the services of professionals.
9.3. Where a prize or promotional award is to be delivered by electronic means, there can be no claim of any kind against MiWayLife for defects to the validity of the code, data or other electronically transmitted information containing the prize or promotional award. In such a case, MiWayLife may direct the recipient to a third-party provider for resolution as a best endeavour.
9.4. If the prize includes travel or accommodation abroad for which a passport is required, the participant must be in possession of a valid passport to receive the prize. The prize is not awarded when failing this condition.
9.5. The handling of the delivery of the prize or promotional award is arranged by MiWayLife, advertiser/sponsor or another appointed third party. In this last case, MiWayLife is not responsible for the delivery of the prize or promotional award. In certain cases, the date of delivery of the prize or promotional award will be determined in consultation with the supplier of the prize.
9.6. The prize or promotional award is given in its current state. MiWayLife is not responsible for any visible or hidden defects in the prize nor for any damage during delivery (shipping) of the prize.
9.7. MiWayLife is not responsible for any defects or delays caused by delivery or shipping companies (e.g. delays, strikes, damage) with respect to the delivery of the prize or promotional award. When the winner, or a roommate, co-inhabitant or neighbour, is not able to receive the prize, the winner may be requested to collect the prize from an agreed location. MiWayLife will not be held liable if the prize is not collected or received by the winner or collected by an unauthorized person.
9.8. MiWayLife is in no way responsible for any damages arising from participation in the competition or promotion or for any technical malfunctions, failures, or delays with respect to participation in the competition or promotion or the appointment of the winner or the receipt of a promotional award.
9.9. MiWayLife is in no way responsible for any problems or defects arising from the use of the Website and/or downloading any components whatsoever in relation to the competition or promotion.


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Terms and conditions apply. Eligibility, cover and benefits are determined on individual risk profile. MiWayLife is an authorised FSP (No. 45741) and its product offering is underwritten by Sanlam Life Insurance Limited, a registered long-term insurer. MiWayLife is a division of Sanlam Life Insurance Limited - Reg No. 1998/021121/06