Referral Campaign
1st for Women will be giving away a R1 000 voucher for every successful referral. A successful referral is one in which two consecutive payments have been received on a policy referred to 1st For Women by the referee.
The promoter of the competition is First for Women Insurance Company Limited, herein after referred to as “1st for Women” (Registration number:1998/004804/06), an authorised financial services provider (FSP: 15261), whose registered office is at Auto & General Park, 1 Telesure Lane, Riverglen, Dainfern, 2191.
DURATION OF THE COMPETITION
1. The campaign will be ongoing from the start date and can be paused or stopped at any time without notice.
WHO MAY ENTER THE COMPETITION
1.1.1 the competition is open to the public (existing 1st for Women clients included) as it will run on 1st for Women’s website and social media pages. In addition, it will run as a paid advertising campaign on social media.
1.1.2 only referrals submitted via the online 1st for Women portal will qualify.
WHO MAY NOT ENTER THE COMPETITION
2. The competition is not open to-
2.1 directors, members, partners, agents, employees or consultants of 1st for Women and/ or any of their associated or affiliated companies and/ or agencies or any supplier of goods or services in connection with a competition; and
2.2 the spouse, life partner, business partner or associate, or the natural or adopted parent, child or sibling, of any person specified in the above.
HOW TO ENTER
3. Enter through logging into the 1st for Women portal, clicking on the referral campaign page and completing and submitting the information of the person / individual that is being referred.
HOW MANY TIMES CAN YOU ENTER?
4. The referrer may refer as many friends as they like (up to 10 at a time) but can only win up to a maximum of five vouchers, which will amount to R5 000, irrespective of whether more than five (5) friends have taken up a policy through 1st for Women.
PRIZES
5. The prize for a successful referral is a R1 000 (one thousand rand) Woolworths voucher.
REQUIREMENTS YOU MUST MEET TO USE THE PRIZE
6. Where you referred a person before 12 September 2019, the person referred must have taken out a car and/or home contents policy and made two consecutive premium payments for the referrer to qualify for a voucher.
7. Where you referred a person on or after 12 September 2019, the person referred must have taken out a car and/or home contents policy and made one premium payment for the referrer to qualify for a voucher.
8. Premium payments can take up to three weeks to reflect on our system. Thus, a referrer may only receive a voucher between six and 12 weeks after referring.
9. The voucher/s can only be redeemed at Woolworths stores (excluding those at garages).
10. A referral is also only successful if it has been made through the correct channels i.e. the referral has been submitted through the 1st for Women online portal from which our call centre contacted the individual being referred or via any other 1st for Women specified channel of communication.
11. The prize is not transferable or exchangeable.
12. You must possess whatever documents and permissions that may be required in order to accept and use a prize, which documents and permissions is your responsibility to obtain at your own cost, and which documents 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.
13. 1st for Women may require you to provide us with such additional information and documentation as we may reasonably require in order to process, confirm and facilitate your acceptance and/or use of a prize. If you refuse to provide us with the requested information or documentation, you will forfeit the prize.
DELIVERY AND / OR ACCEPTANCE OF PRIZE
14. 1st for Women will make the necessary arrangements for the delivery of the prize and duly inform the winner via SMS. The prize will be sent in the form of a voucher to the cell phone number of the referrer.
14.1. the voucher will contain a CVV code and a voucher number to be used at a Woolworths till point.
HOW WILL WINNERS BE NOTIFIED
15. Winners will be notified via SMS in the event of a successful referral.
WHAT HAPPENS IF THE WINNER CANNOT BE CONTACTED OR IS NOT ABLE TO TAKE UP THE PRIZE
16. All communication will be done through an automated SMS that will be sent to the contact number of the referrer. Therefore, should the SMS not be delivered due to technical difficulties or the referrer changing their cell phone number, 1st for Women will not be held liable.
GROUNDS FOR DISQUALIFICATION
17. You may not win a prize if it is unlawful for 1st for Women to supply such a prize to you. If you do win such a prize, you will forfeit it.
18. If you fail to comply with any of the terms and conditions, then without prejudice to any other remedy which 1st for Women may have, you will be automatically disqualified, and you will forfeit the prize/s (in the event that you have already won a prize).
19. Should 1st for Women receive a notification of a failed deduction after the close of the competition and announcement of the winner, the prize shall be reclaimed from the winner and a new winner shall be selected under the same conditions of a randomized draw.
GENERAL
20. Your entry into the competition and/or your acceptance of a prize (in the event that you win a prize) constitutes your binding acceptance of the terms and conditions.
21. If you 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.
22. It is your responsibility to ensure that your entry is received by 1st for Women prior to the closure of the competition. Any entries which are not received by 1st for Women prior to the closure of the competition will not be eligible to participate, regardless of the reason for the late entry. 1st for Women and its affiliates are not responsible for any entries which are not received by 1st for Women, whether timeously or at all, regardless of the cause thereof. Without limitation, 1st for Women and its affiliates are not responsible for any problems or technical malfunction of any telephone network or lines, computer on-line 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.
23. 1st for Women and our affiliates are not responsible for any injury or damage to your or any other person’s computer, mobile telephone or other device used by you to enter into, or obtain any materials related to, the competition.
24. It is your responsibility to ensure that any information which you provide to 1st for Women is accurate, complete and up to date. Should any of the data provided by yourself in connection with this competition prove to be invalid, inaccurate, and false or misleading, your entry shall be disregarded, and you shall be prohibited from entering any further 1st for Women competitions for a set period to be determined by 1st for Women.
25. 1st for Women 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 give no warranty that –
26.1 your entry or participation in the competition will necessarily result in you winning a prize; or
26.2 a prize, or any aspect thereof, will meet your, requirements, preferences, standards or expectations.
27. 1st for Women and our 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.
28. Prizes are not transferable and may not be deferred, changed or exchanged for any other item.
29. 1st for Women may invite you 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. You may decline such an invitation.
30. 1st for Women and our third-party suppliers, as the case may be, reserve 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 which we deem necessary. In the event of such variation, postponement, suspension or cancellation, you agree to waive any rights, interests and expectations that you may have in terms of this competition and acknowledge that you will have no recourse against us, our affiliates and third-party suppliers.
31. You agree that your participation in the competition, and your acceptance and/or use of a prize, or any aspect thereof, is at your own risk.
32. 1st for Women and our 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 your participation in the competition or the acceptance and/or use by you, or your partner (if applicable), of any prize, or by any action taken by us or any of our affiliates in accordance with the terms and conditions.
33. You, and in the event of your death, your family, dependents, heirs, assignees or any other beneficiaries of your estate, indemnify and hold us and our affiliates harmless against any claim by you, 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 you may suffer, howsoever arising, in relation to your entry into this competition and/or acceptance and/or use by you of a prize.
34. You acknowledge that the acceptance and use of a prize is subject to the proviso that –
34.1 all of the terms and conditions will apply to both you and your partner (if applicable), and you will ensure that your partner agrees to be bound and complies, and will continue to comply, therewith;
34.2 you will take full responsibility for your partner;
34.3 you indemnify and hold us and our affiliates harmless against any claim by your partner or any third party in the event that your partner suffers any loss or damage pursuant to your partner’s acceptance and/or use of a prize;
34.4 any minor will be accompanied by a parent or legal guardian.
35. By entering this competition, contestants agree to receive marketing and/or promotional material from 1st for Women and/or any of their associated or affiliated companies. No contestant or winner of this competition is in any way obliged to enter into a contract of insurance with 1st for Women and/or a contract with any of their associated or affiliated companies.
36. For purposes hereof, "affiliate" means 1st for Women’s partners, co promoters and sponsors of this competition, our subsidiaries, our and their subsidiaries and respective holding companies, the subsidiaries of their holding companies, and our and their directors, officers, employees, agents and representatives.
37. These terms and conditions will be construed, interpreted and enforced in accordance with the laws of contract and dispute resolution in the Republic of South Africa
38. 1st for Women and the judges' decision on any matter concerning the competition and/or arising out of these terms and conditions is final and binding on you, and no correspondence will be entered into.www.dmma.co.za
CI Survey
1st for Women will run a survey and give away R500 Sorbet voucher on our social media pages (Facebook, Twitter and Instagram).
The promoter of the competition is First for Women Insurance Company Limited, herein after referred to as “1st for Women” (Registration number:1998/004804/06), an authorised financial services provider (FSP: 15261) and insurer, whose registered office is at Auto & General Park, 1 Telesure Lane, Riverglen, Dainfern, 2191.
DURATION OF THE COMPETITION
The survey commences on 21 June 2019 until 29 February 2020.
WHO MAY ENTER THE COMPETITION
1. The competition is open to the public and 1st for Women customers who are permanent residents and citizens of South Africa in possession of a valid South African Identity Document.
WHO MAY NOT ENTER THE COMPETITION
2. The competition is not open to-
2.1 directors, members, partners, agents, employees or consultants of 1st for Women and/ or any of their associated or affiliated companies and/ or agencies or any supplier of goods or services in connection with a competition; and
2.2 the spouse, life partner, business partner or associate, or the natural or adopted parent, child or sibling, of any person specified in the above.
3. You may not participate in or be eligible to win a competition if you have won a competition promoted by 1st for Women within the past three months. You will be eligible to participate in a competition promoted by 1st for Women after the expiry of three months after the date on which you won the last competition.
HOW TO ENTER
4. To enter the competition, participants are required to do the following-
5. Anyone with a valid South African Identity Document can enter the competition by filling in the survey shared on the 1st for Women page.
HOW MANY TIMES CAN YOU ENTER?
6. Only one entry will be accepted per person. Multiple entries from the same person will be disqualified.
PRIZES
7. The prize available is a R500 (five hundred rand) Sorbet voucher.
REQUIREMENTS YOU MUST MEET TO USE THE PRIZE
8. Any costs or expenses which you may incur other than in respect of those items specifically included in a prize are for your own account. 1st for Women will not be responsible for any costs or expenses which you, or your partner (if applicable), incur during and for purposes of your entry into the competition and your acceptance and/or use of a prize.
9. The prize is not transferable or exchangeable.
10. You must possess whatever documents and permissions that may be required in order to accept and use a prize, which documents and permissions is your responsibility to obtain at your own cost, and which documents 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.
11. 1st for Women may require you to provide us with such additional information and documentation as we may reasonably require in order to process, confirm and facilitate your acceptance and/or use of a prize. If you refuse to provide us with the requested information or documentation, you will forfeit the prize.
DELIVERY AND / OR ACCEPTANCE OF PRIZE
12. 1st for Women will make the necessary arrangements for the delivery of the prize and duly inform the winner.
13. The prize will be couriered to the winner. It may take up to three weeks for the winner to receive it.
HOW WILL WINNERS BE NOTIFIED
14. The winner will be notified via Facebook direct messenger, phone call or email, depending on their method of entry.
WHAT HAPPENS IF THE WINNER CANNOT BE CONTACTED OR IS NOT ABLE TO TAKE UP THE PRIZE
15. 1st for Women will attempt to contact the winner three times within a 72 hour period with the contact details provided. Should 1st for Women fail to contact the winner after this time, the winner will forfeit the prize and 1st for Women reserves the right to re-draw a new winner under the same conditions.
GROUNDS FOR DISQUALIFICATION
16. You may not win a prize if it is unlawful for 1st for Women to supply such a prize to you. If you do win such a prize, you will forfeit it.
17. If you fail to comply with any of the terms and conditions, then without prejudice to any other remedy which 1st for Women may have, you will be automatically disqualified and you will forfeit the prize/s (in the event that you have already won a prize).
GENERAL
18. Your entry into the competition and/or your acceptance of a prize (in the event that you win a prize) constitutes your binding acceptance of the terms and conditions.
19. If you 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.
20. It is your responsibility to ensure that your entry is received by 1st for Women prior to the closure of the competition. Any entries which are not received by 1st for Women prior to the closure of the competition will not be eligible to participate, regardless of the reason for the late entry. 1st for Women and its affiliates are not responsible for any entries which are not received by 1st for Women, whether timeously or at all, regardless of the cause thereof. Without limitation, 1st for Women and its affiliates are not responsible for any problems or technical malfunction of any telephone network or lines, computer on-line 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.
21. 1st for Women and our affiliates are not responsible for any injury or damage to your or any other person’s computer, mobile telephone or other device used by you to enter into, or obtain any materials related to, the competition.
22. It is your responsibility to ensure that any information which you provide to 1st for Women is accurate, complete and up to date. Should any of the data provided by yourself in connection with this competition prove to be invalid, inaccurate, and false or misleading, your entry shall be disregarded and you shall be prohibited from entering any further 1st for Women competitions for a set period to be determined by 1st for Women.
23. 1st for Women 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 give no warranty that –
23.1 your entry or participation in the competition will necessarily result in you winning a prize; or
23.2 a prize, or any aspect thereof, will meet your, requirements, preferences, standards or expectations.
24. 1st for Women and our 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.
25. Prizes are not transferable and may not be deferred, changed or exchanged for any other item.
26. 1st for Women may invite you 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. You may decline such an invitation.
27. 1st for Women and our third party suppliers, as the case may be, reserve 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 which we deem necessary. In the event of such variation, postponement, suspension or cancellation, you agree to waive any rights, interests and expectations that you may have in terms of this competition and acknowledge that you will have no recourse against us, our affiliates and third party suppliers.
28. You agree that your participation in the competition, and your acceptance and/or use of a prize, or any aspect thereof, is at your own risk.
29. 1st for Women and our 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 your participation in the competition or the acceptance and/or use by you, or your partner (if applicable), of any prize, or by any action taken by us or any of our affiliates in accordance with the terms and conditions.
30. You, and in the event of your death, your family, dependents, heirs, assignees or any other beneficiaries of your estate, indemnify and hold us and our affiliates harmless against any claim by you, 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 you may suffer, howsoever arising, in relation to your entry into this competition and/or acceptance and/or use by you of a prize.
31. You acknowledge that the acceptance and use of a prize is subject to the proviso that –
31.1 all of the terms and conditions will apply to both you and your partner (if applicable), and you will ensure that your partner agrees to be bound and complies, and will continue to comply, therewith;
31.2 you will take full responsibility for your partner;
31.3 you indemnify and hold us and our affiliates harmless against any claim by your partner or any third party in the event that your partner suffers any loss or damage pursuant to your partner’s acceptance and/or use of a prize;
31.4 any minor will be accompanied by a parent or legal guardian.
32. By entering this competition, contestants agree to receive marketing and/or promotional material from 1st for Women and/or any of their associated or affiliated companies. No contestant or winner of this competition is in any way obliged to enter into a contract of insurance with 1st for Women and/or a contract with any of their associated or affiliated companies.
33. For purposes hereof, "affiliate" means 1st for Women’s partners, co promoters and sponsors of this competition, our subsidiaries, our and their subsidiaries and respective holding companies, the subsidiaries of their holding companies, and our and their directors, officers, employees, agents and representatives.
34. These terms and conditions will be construed, interpreted and enforced in accordance with the laws of contract and dispute resolution in the Republic of South Africa
35. 1st for Women and the judges' decision on any matter concerning the competition and/or arising out of these terms and conditions is final and binding on you, and no correspondence will be entered into.
1st for Women and Namola Fearless T-shirt competition
1st for Women will be giving away 20 Fearless statement T-shirts.
The promoter of the competition is First for Women Insurance Company Limited, herein after referred to as “1st for Women” (Registration number:1998/004804/06), an authorised financial services provider (FSP: 15261) and insurer, whose registered office is at Auto & General Park, 1 Telesure Lane, Riverglen, Dainfern, 2191.
DURATION OF THE COMPETITION
1. The competition commences on 09 November 2020 and continues until a maximum of 20 obligation free quotations have been conducted. After this maximum number of quotations is reached, no further entries to the competition will be permitted.
WHO MAY ENTER THE COMPETITION
2 The competition is open to permanent residents and citizens of South Africa over the age of 18 years in possession of a valid South African Identity Document. Both existing customers and members of the public may enter.
WHO MAY NOT ENTER THE COMPETITION
3. The competition is not open to-
3.1 directors, members, partners, agents, employees or consultants of 1st for Women and/ or any of their associated or affiliated companies and/ or agencies or any supplier of goods or services in connection with a competition; and
3.2 the spouse, life partner, business partner or associate, or the natural or adopted parent, child or sibling, of any person specified in the above.
4. You may not participate in or be eligible to win a competition if you have won a competition promoted by 1st for Women within the past three months. You will be eligible to participate in a competition promoted by 1st for Women after the expiry of three months after the date on which you won the last competition.
HOW TO ENTER
5. To enter the competition, participants are required to do the following-
5.1 Receive an obligation free quote from 1st for Women.
5.2 Participants have the option of either call the 1st for Women call centre for an obligation free quote using the share call number made available on the campaign landing page or completing a contact request by clicking the link on the e-mailer for a call back from 1st for Women.
HOW MANY TIMES CAN YOU ENTER?
8. A person may enter once on the competition post.
PRIZES
9. The first 20 customers that receive an obligation free quote will receive a Fearless T-Shirt.
REQUIREMENTS YOU MUST MEET TO USE THE PRIZE
11. Any costs or expenses which you may incur other than in respect of those items specifically included in a prize are for your own account. 1st for Women will not be responsible for any costs or expenses which you, or your partner (if applicable), incur during and for purposes of your entry into the competition and your acceptance and/or use of a prize.
12. The prize is not transferable or exchangeable.
13. You must possess whatever documents and permissions that may be required in order to accept and use a prize, which documents and permissions is your responsibility to obtain at your own cost, and which documents 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.
14. 1st for Women may require you to provide us with such additional information and documentation as we may reasonably require in order to process, confirm and facilitate your acceptance and/or use of a prize. If you refuse to provide us with the requested information or documentation, you will forfeit the prize.
DELIVERY AND / OR ACCEPTANCE OF PRIZE
15. 1st for Women will contact the winners to arrange delivery of the prize.
HOW WILL WINNERS BE NOTIFIED
16. The winners will be notified by SMS.
WHAT HAPPENS IF THE WINNER CANNOT BE CONTACTED OR IS NOT ABLE TO TAKE UP THE PRIZE
17. If 1st for Women or a third party supplier is unable to contact a winner within 30 days or if the winner does not claim the prize within 30 days of notification, the winner will forfeit the prize and 1st for Women reserves the right to re-draw a new winner under the same conditions.
GROUNDS FOR DISQUALIFICATION
18. You may not win a prize if it is unlawful for 1st for Women to supply such a prize to you. If you do win such a prize, you will forfeit it.
199. If you fail to comply with any of the terms and conditions, then without prejudice to any other remedy which 1st for Women may have, you will be automatically disqualified and you will forfeit the prize/s (in the event that you have already won a prize).
GENERAL
20. Your entry into the competition and/or your acceptance of a prize (in the event that you win a prize) constitutes your binding acceptance of the terms and conditions.
21. If you 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.
22. It is your responsibility to ensure that your entry is received by 1st for Women prior to the closure of the competition. Any entries which are not received by 1st for Women prior to the closure of the competition will not be eligible to participate, regardless of the reason for the late entry. 1st for Women and its affiliates are not responsible for any entries which are not received by 1st for Women, whether timeously or at all, regardless of the cause thereof. Without limitation, 1st for Women and its affiliates are not responsible for any problems or technical malfunction of any telephone network or lines, computer on-line 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.
23. 1st for Women and our affiliates are not responsible for any injury or damage to your or any other person’s computer, mobile telephone or other device used by you to enter into or obtain any materials related to the competition.
24. It is your responsibility to ensure that any information which you provide to 1st for Women is accurate, complete and up to date. Should any of the data provided by yourself in connection with this competition prove to be invalid, inaccurate, and false or misleading, your entry shall be disregarded and you shall be prohibited from entering any further 1st for Women competitions for a set period to be determined by 1st for Women.
25. 1st for Women 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 give no warranty that –
25.1 your entry or participation in the competition will necessarily result in you winning a prize; or
25.2 a prize, or any aspect thereof, will meet your, requirements, preferences, standards or expectations.
26. 1st for Women and our 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.
27. Prizes are not transferable and may not be deferred, changed or exchanged for any other item.
28. 1st for Women may invite you 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. You may decline such an invitation.
29. 1st for Women and our third-party suppliers, as the case may be, reserve 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 which we deem necessary. In the event of such variation, postponement, suspension or cancellation, you agree to waive any rights, interests and expectations that you may have in terms of this competition and acknowledge that you will have no recourse against us, our affiliates and third-party suppliers.
30. You agree that your participation in the competition, and your acceptance and/or use of a prize, or any aspect thereof, is at your own risk.
31. 1st for Women and our 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 your participation in the competition or the acceptance and/or use by you, or your partner (if applicable), of any prize, or by any action taken by us or any of our affiliates in accordance with the terms and conditions.
32. You, and in the event of your death, your family, dependents, heirs, assignees or any other beneficiaries of your estate, indemnify and hold us and our affiliates harmless against any claim by you, 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 you may suffer, howsoever arising, in relation to your entry into this competition and/or acceptance and/or use by you of a prize.
33. You acknowledge that the acceptance and use of a prize is subject to the proviso that –
33.1 all of the terms and conditions will apply to both you and your partner (if applicable), and you will ensure that your partner agrees to be bound and complies, and will continue to comply, therewith;
33.2 you will take full responsibility for your partner;
33.3 you indemnify and hold us and our affiliates harmless against any claim by your partner or any third party in the event that your partner suffers any loss or damage pursuant to your partner’s acceptance and/or use of a prize;
33.4 any minor will be accompanied by a parent or legal guardian.
34. By entering this competition, contestants agree to receive marketing and/or promotional material from 1st for Women and/or any of their associated or affiliated companies. No contestant or winner of this competition is in any way obliged to enter into a contract of insurance with 1st for Women and/or a contract with any of their associated or affiliated companies.
35. For purposes hereof, "affiliate" means 1st for Women’s partners, co-promoters and sponsors of this competition, our subsidiaries, our and their subsidiaries and respective holding companies, the subsidiaries of their holding companies, and our and their directors, officers, employees, agents and representatives.
36. These terms and conditions will be construed, interpreted and enforced in accordance with the laws of contract and dispute resolution in the Republic of South Africa
39. 1st for Women and the judges' decision on any matter concerning the competition and/or arising out of these terms and conditions is final and binding on you, and no correspondence will be entered into.