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    Terms and Conditions

    1. This promotional competition (Debt Wipe Out”) is organized by Pioneer Debt Solutions (Proprietary) Limited and or their designated agencies (“the Promoter”).
    2.  The competition is open to all citizens of South Africa over the age of 18 (eighteen) years, in possession of a valid South African Identity Document.
    3. This competition is not open to any employee, director, member, partner, agent or consultant or any person directly or indirectly who controls or is controlled by the Promoter and or immediate family members of any employee, director, member, agent or consultant of or person indirectly or directly in control or controlled by the Promoter, its advertising agencies, advisers of the Pioneer Debt Solutions (Pty) Ltd.
    4.  By entering the competition, all Participants and winners, agree to be bound by these rules as interpreted by the Promoter, whose decision regarding any dispute will be final and binding. The Promoter reserves the right at any time without notice to amend, modify, or change these rules, and to postpone, suspend or cancel this competition and any prizes (which has not been subject to a draw), or any aspect thereof, without notice at any time, for any reason which the Promoter reasonably deems necessary.
    5. The competition commences on the 7th day of April 2021 and ends on 30th day   of June 2021, both days inclusive (“the Duration”).
    6. 1 (one) lucky Participant will win a Debt Wipeout up to the value of R50 000 of their debt.
    7. To stand a chance of winning, Participants must apply and sign up to be placed under debt review.
    8. The Promoter will hold a lucky draw on the 14th day of May, June and July 2021 from all the entries received to determine the winner.
    9. In order for a Participant’s entry to be confirmed and verified as valid the participant must have complied with the provisions of this terms and conditions and be eligible to enter the competition.
    10. The Promoter’s decision is final, and no correspondence will be entered into.
    11. Entries which are submitted via an incorrect entry mechanism, or contain errors, or are unclear or illegible, or received from disqualified Participants will be declared invalid.
    12. Participants, whose Entries have been drawn and have been confirmed by the Promoter as valid after verification process, will be contacted with a follow up telephone call from the details provided by the participant in their signed application form to confirm their winning and provide details on how to claim their prize.
    13. If the Promoter is unable to reach the Prize winners within 48 hours from the date of being declared a winner, such a person will be disqualified.
    14. Draw winners will have (two) weeks to redeem / accept their prize, from the date of being declared a winner.
    15. No liability shall attach to the Promoter in relation to any claims, losses or liabilities for any loss of profit or any other direct and / or indirect, special or consequential loss arising out of any defects in the Prizes. Ownership of and risk in, and benefit attaching to, the prizes will pass to you immediately.
    16. Should any dispute arise in relation to the interpretation of the Competition rules, the Promoter’s decision shall be final, and no correspondence shall be entered into.
    17. All Participants and winners, as the case may be, indemnify the Promoter, it’s advertising agencies, advisers, nominated agents, partners, and it’s affiliates and / or associated companies against any and all claims of any nature whatsoever arising out of and / or from their participation in any way howsoever in this Competition (including, as a result of any act or mission, whether as a result of negligence, misrepresentation, misconduct or otherwise on the Promoter).  
    18. The Promoter may require the winners to complete and submit an information disclosure agreement and indemnification to enable the Promoter to ensure compliance with these Rules and the Consumer Protection Act 68 of 2008. Should any winner refuse or be unable to comply with this rule for any reason, such a winner will be disqualified.
    19. The prize will be paid directly to the competition winners’ credit providers.
    20. In addition, the competition winners must give us a testimony of their winnings.
    21. All queries relating to the Competition can be directed to Pioneer Debt Solutions on 031 001 4129 (Monday – Friday from 08h00 – 15h30). A copy of the Competition Terms and Conditions are available at no cost to the participants and can be downloaded in printable form at