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Campaign Ts&Cs
SUMMER CASH SPLASH
TERMS AND CONDITIONS
1. PROMOTER
1.1 Summer Cash Splash is promoted and conducted by ExpressCredit Botswana (Pty) Ltd (“ExpressCredit” or “the Promoter”).
1.2 The competition is subject to these Terms and Conditions and all applicable laws and regulatory requirements in Botswana.
2. COMPETITION NAME
2.1 The name of the promotional competition is Summer Cash Splash.
3. PURPOSE OF THE COMPETITION
3.1 The purpose of Summer Cash Splash is to promote ExpressCredit’s Open Market Loan (OML), increase awareness and encourage applications and uptake of the product during the Competition Period.
3.2 The competition forms part of ExpressCredit’s seasonal marketing and customer acquisition activities and is intended to support OML sales.
4. PROMOTIONAL CHANNELS
4.1 The competition will be promoted through the following channels:
- SMS
- Digital media, including ExpressCredit’s official digital and social media platforms
- Radio
- ExpressCredit branches
5. PARTICIPATING BRANCHES/STORES
5.1 The competition will be administered through ExpressCredit Botswana’s participating branches.
5.2 The participating ExpressCredit branches are:
- Pilane
- Molepolole
- Mahalapye
- Palapye
- Serowe
- Selibe Phikwe
- Francistown
- Letlhakane
- Maun
- Ghanzi
- Gaborone Main Mall
- Gaborone Station
- Gaborone Railpark
- Gaborone Fairgrounds
- Jwaneng
- Lobatse
- Kanye
5.3 No third-party stores or retailers are participating in or responsible for administering the competition.
6. COMPETITION PERIOD
6.1 The Competition will run from 19 October 2026 to 18 November 2026, inclusive.
6.2 Only qualifying transactions completed during the Competition Period will be eligible.
6.3 The draw will take place on 20 November 2026 at 10:00 AM at the following venue:
ExpressCredit Botswana Head Office
Plot 67966, Unit 1, Ground Floor
KPMG Building
Fairground Office Park
Gaborone, Botswana
7. PARTICIPATING PRODUCT
7.1 The competition applies exclusively to ExpressCredit’s Open Market Loan (OML).
7.2 No other ExpressCredit loan product qualifies for entry.
8. ELIGIBILITY
8.1 To participate, a person must:
a) be a natural person aged 18 years or older;
b) be a resident of Botswana;
c) meet ExpressCredit’s applicable OML requirements;
d) have a qualifying OML approved and successfully disbursed during the Competition Period; and
e) comply with these Terms and Conditions.
8.2 Applications that are declined, cancelled or not disbursed during the Competition Period do not qualify.
8.3 Customers with outstanding repayments or arrears at the time of the draw may be excluded from winning, subject to ExpressCredit’s applicable policies.
8.4 Directors, shareholders, employees, representatives, agents, consultants and contractors of ExpressCredit, as well as their immediate family members, are not eligible to participate.
9. REQUIREMENTS FOR PARTICIPATION
9.1 A customer participates automatically by obtaining a qualifying OML during the Competition Period.
9.2 The OML must be approved and successfully disbursed within the Competition Period.
9.3 Each qualifying customer will receive one entry into the competition.
9.4 There is no separate purchase or payment required specifically to enter the competition beyond the qualifying OML transaction.
9.5 ExpressCredit will maintain records of qualifying participants and entries for purposes of administering and verifying the competition.
9.6 Each customer may win only one prize in the competition.
10. HOW THE COMPETITION WILL BE CONDUCTED
10.1 At the end of the Competition Period, ExpressCredit will compile a list of all qualifying entries based on OML loans that were approved and successfully disbursed during the Competition Period.
10.2 The qualifying entries will be subjected to an electronic randomised draw. Each qualifying entry will be included in the electronic draw pool. The electronic random selection process will randomly select entries from the complete pool of eligible entries without manual selection or preference being given to any participant. The selection will be conducted sequentially, with each selected entry being removed from the remaining pool before the next selection is made.
10.3 One draw will be conducted on 20 November 2026 at 10:00 AM at the ExpressCredit Botswana Head Office situated at Plot 67966, Unit 1, Ground Floor, KPMG Building, Fairground Office Park, Gaborone, Botswana.
10.4 Three eligible winners will be selected from the qualifying entries.
10.5 The first selected winner will receive P10,000.
10.6 The second selected winner will receive P5,000.
10.7 The third selected winner will receive P3,000.
10.8 Once an entry has been selected as a winner, it will be removed from the remaining pool before the next selection is made. This ensures that no customer can win more than one prize.
10.9 The draw process and results will be verified and documented by the internal auditor identified in Section 11.
10.10 The results of the draw and relevant records will be documented and retained for verification and regulatory purposes.
11. INTERNAL AUDIT VERIFICATION
11.1 The draw will be verified by the following internal auditor:
Name: Ofentse Kgaogano
Contact: +267 721 51906 / +267 759 97322
Email: [email protected]
Residential Address: Tlokweng, Plot 5668
Position: Internal Auditor
11.2 The internal auditor will oversee and/or verify the draw process to confirm that the winners are selected in accordance with these Terms and Conditions.
11.3 The internal auditor will verify the fairness and proper conduct of the draw and the determination of the winners.
11.4 Verification records will be retained and made available to the Gambling Authority where required.
12. RESULTS AND DETERMINATION OF WINNERS
12.1 Winners will be determined solely through the electronic randomised draw from the pool of eligible entries.
12.2 Each qualifying entry will have an equal opportunity of being selected, subject to the eligibility requirements contained in these Terms and Conditions.
12.3 The outcome of the draw will determine the three winners and the order in which the prizes are allocated.
12.4 ExpressCredit’s records of qualifying entries and the internally verified draw results will constitute the official competition records.
13. PRIZES
13.1 The competition offers three cash prizes:
a) First Prize – P10,000
b) Second Prize – P5,000
c) Third Prize – P3,000
13.2 The total value of all prizes is P18,000.
13.3 The prizes are cash prizes; therefore, make and model are not applicable.
13.4 Each winner is entitled only to the prize allocated to them following the draw.
13.5 Each winner will receive the full advertised prize amount. Any applicable taxes, bank charges or other deductions associated with the receipt or payment of the prize will be the responsibility of the winner and will not be paid by the Promoter.
13.6 Prizes are non-transferable and may not be exchanged for another prize, product or benefit.
14. HOW AND WHERE WINNERS WILL ACCESS THEIR PRIZES
14.1 Winners will be contacted by ExpressCredit using the contact details held by ExpressCredit.
14.2 Winners will be required to provide valid identification and any other information or documentation reasonably required to verify their identity and eligibility.
14.3 Once verification has been completed, the cash prize will be paid by electronic funds transfer (EFT) into a verified bank account held in the winner’s own name.
14.4 Winners will be informed of the process and documentation required to receive their prize.
14.5 ExpressCredit will not be responsible for delays resulting from incorrect, incomplete or outdated information supplied by a winner.
15. WINNER VERIFICATION AND FORFEITURE
15.1 ExpressCredit reserves the right to verify the eligibility of a selected winner before confirming the prize.
15.2 A selected winner may forfeit the prize if:
a) they cannot be contacted after reasonable attempts, meaning that ExpressCredit has made reasonable efforts to contact the selected winner using the contact details available on its records for a period of three (3) months from the date of the first notification attempt;
b) they fail to provide the required verification documentation;
c) they are found to be ineligible;
d) they have breached these Terms and Conditions; or
e) the entry is found to have been fraudulent, invalid or improperly obtained.
15.3 If a selected winner cannot be reached after reasonable efforts for three (3) months, fails to claim the prize within three (3) months from the first notification attempt, or is found not to meet the eligibility requirements, the prize shall be deemed forfeited, subject to approval of the Gambling Authority.
15.4 Where a prize is forfeited, ExpressCredit may conduct a further randomised draw from the remaining eligible entries to select a replacement winner, subject to the approval of the Gambling Authority and the applicable regulatory requirements.
15.5 If fraud, manipulation or a breach of these Terms and Conditions is discovered after a prize has been awarded, ExpressCredit reserves the right to take appropriate action, including withdrawal of the prize where legally permissible.
16. ANNOUNCEMENT OF RESULTS
16.1 The winners may be announced through ExpressCredit’s official communication channels, including:
- ExpressCredit social media platforms;
- ExpressCredit website; and/or
- Radio
16.2 ExpressCredit will contact the winners directly using the contact information available on its records.
16.3 By participating in the competition, winners consent to the reasonable use of their names, photographs and/or likeness for competition-related publicity and promotional purposes, subject to applicable privacy and data protection requirements.
17. FAIRNESS AND RECORD KEEPING
17.1 ExpressCredit will maintain records of qualifying entries for purposes of administering the competition.
17.2 The winner selection will be conducted through an electronic randomised process intended to provide each eligible entry with a fair and equal opportunity of being selected.
17.3 The internal auditor will verify the draw process and results.
17.4 Relevant competition records and verification documentation may be made available to the Gambling Authority upon request.
18. WHERE THE TERMS AND CONDITIONS MAY BE OBTAINED
18.1 A copy of these Terms and Conditions may be obtained from:
- Any participating ExpressCredit branch;
- ExpressCredit’s official website.
18.2 Participants may request a copy of these Terms and Conditions from ExpressCredit.
19. PERSONAL INFORMATION
19.1 Personal information collected in connection with the competition may be used for:
a) administering the competition;
b) verifying eligibility and winners;
c) contacting winners;
d) awarding prizes;
e) maintaining competition records;
f) meeting regulatory and legal requirements; and
g) legitimate business and promotional purposes where applicable.
19.2 Personal information will be collected, processed, stored and handled in accordance with the Data Protection Act, 2024
20. FRAUD AND DISQUALIFICATION
20.1 ExpressCredit reserves the right to disqualify any participant or entry where there is evidence of:
a) fraud;
b) manipulation of the competition or entry process;
c) abuse of the competition;
d) submission of false or misleading information;
e) duplicate or invalid entries; or
f) breach of these Terms and Conditions.
20.2 ExpressCredit reserves the right to verify entries before confirming any winner.
20.3 Any attempt to manipulate or interfere with the fair administration of the competition may result in disqualification and, where necessary, referral to the relevant authorities.
21. LIABILITY
21.1 ExpressCredit will not be liable for any failure, delay or interruption beyond its reasonable control that affects the administration of the competition.
21.2 Subject to any required regulatory approval, ExpressCredit reserves the right to amend, suspend or terminate the competition where circumstances beyond its reasonable control make this necessary.
21.3 Any material amendment to the competition will be communicated through appropriate channels and handled in accordance with applicable regulatory requirements.
22. GENERAL
22.1 Participation in the competition constitutes acceptance of these Terms and Conditions.
22.2 The competition will be administered in accordance with these Terms and Conditions and applicable regulatory requirements.
22.3 These Terms and Conditions do not amend, replace or otherwise affect the terms and conditions of any OML agreement between ExpressCredit and a customer.
22.4 Nothing in these Terms and Conditions limits any rights afforded to participants under applicable Botswana law.
23. CONTACT DETAILS
ExpressCredit Botswana (Pty) Ltd
Website: www.expresscredit.co.bw
Telephone: +267 316 5512
WhatsApp: +267 776 93360
Email: [email protected]
24. ACCEPTANCE
By participating in Summer Cash Splash, the participant confirms that they have read, understood and agreed to these Terms and Conditions.