Terms and Conditions of Use

These Terms and Conditions regulate access to and use of our platform and any services provided herein. By accessing the platform, submitting your information, or using our services, you signify your agreement to these terms, which are binding and enforceable against all users.

1. Introduction and Services

We operate as an online lead generation and comparison platform that connects users with third-party partners, including accredited financial service providers, insurers, and other service companies.

• Role: We are not a financial services provider, we do not sell insurance, nor do we provide financial advice. We introduce you to third-party providers who handle quotes, advice, and product administration.
• Costs: Our platform is entirely free to use and commission-free for you. We may receive a referral fee from our partners when you choose to explore their products, but this fee does not affect the price you pay.

2. Consent and Subscriptions

• Opt-In: By voluntarily completing our forms and submitting your details, you consent to us and our partners contacting you via email, SMS, telephone, or social media to provide obligation-free quotes and related service offers.
• Bureau Data Access: You consent to us requesting your full credit information from a registered credit bureau to determine your qualification for certain goods and services. This process does not leave a footprint that impacts your credit score.
• Opting Out: You may opt out of marketing communications at any time using provided prompts or by contacting us directly.

3. User Warranties and Responsibilities

By using the platform, you warrant that:

• You are a legal adult (over 18 years of age) with the capacity to agree to these terms.
• All information provided is true, accurate, and current.
• You will not use the platform for unlawful purposes, submit false identities, distribute viruses, or infringe on any intellectual property rights.

4. Intellectual Property

All content, layout, graphics, underlying software, and trademarks on the platform are our exclusive property or the property of our licensors. You are granted a limited, personal, non-exclusive license to use the platform for personal purposes; any commercial exploitation, reproduction, or modification is strictly prohibited without our prior written consent.

5. Limitation of Liability and Disclaimers

• "As Is" Basis: The platform is provided "as is" and we make no warranties regarding its accuracy, uninterrupted availability, or freedom from harmful components.
• Third-Party Relationships: Once you opt-in to receive quotes, your relationship is strictly with the third-party provider, and you must review their terms and privacy policies. We are not liable for any subscription, transaction, or contract that arises between you and a third party.
• Indemnity: You unconditionally indemnify us, our directors, employees, and partners against any claims, damages, losses, or legal costs arising from your use of the platform, your breach of these terms, or reliance on any external links provided.

6. Dispute Resolution and General Provisions

• Disputes: Any dispute arising between you and us shall first be addressed via negotiation and mediation. If unresolved, it will proceed to confidential and binding arbitration governed by the expedited rules of the Arbitration Foundation of Southern Africa (AFSA).
• Jurisdiction: These terms are governed by the laws of the Republic of South Africa.
• Amendments: We reserve the right to modify these terms at any time without notice, and your continued use of the platform constitutes acceptance of the amended terms.

Promotional Terms & Conditions

1. Eligibility

• Entrants: Entry is exclusively open to natural persons who are legal residents of the Republic of South Africa and aged 18 years or older.
• Entry Limitations: Only one entry per natural person is permitted.

2. Mechanics of Entry

• Submission: By submitting your contact details through our promotional entry form, you are automatically registered for a free, optional entry into our annual giveaway draw for a chance to win R10,000 (Ten Thousand South African Rand).
• Quote Requirement & No Purchase Necessary: To be eligible for the draw, you must submit your contact details as per the submission criteria above and successfully obtain an obligation-free quote. While obtaining this quote is required for eligibility, this promotional draw is offered and managed solely by Bestcardash itself and is entirely separate from any paid-for third-party offers or services. Entering the draw does not require, nor does it enroll you in, any paid service offering, and your decision to use or decline any third-party offers or our own paid services has zero impact on your chances of winning.

3. Draw and Winner Selection

• Selection Process: One winner will be randomly selected from all valid, eligible entries submitted during that year.
• Draw Date: The draw will take place on the last business day of the calendar year.

4. Notification and Claiming the Prize

• Contact: The winner will be notified using the phone number provided upon entry within five (5) business days of the draw.
• Verification & Forfeiture: The winner has fourteen (14) days from the first notification attempt to verify their details and claim the prize. If the winner cannot be reached or fails to verify their details within this period, bestcardash.com reserves the right to select an alternate winner.

5. General Conditions

• Non-Transferable: The R10,000 prize is strictly non-transferable and may not be exchanged for any other goods or services.
• Amendments: We reserve the right to amend, pause, or cancel this promotional draw at any time without prior notice, subject to applicable consumer protection laws.