NDA Festive Competition Terms & Conditions


These rules apply to the “NDA Competition”.

This competition is being run and promoted by (“NDA”) National Debt Advisors (PTY) LTD, registration number 2012/224196/07.



  1. Competition Period
    1. The competition starts on 1st December 2023 and ends on 31st January 2024.
    2. NDA reserves the right to extend the competition duration, subject to these terms and conditions.
  2. Eligibility
    1. Open to South African citizens with valid identification.
    2. Entrants must be 18 years or older.
    3. Excludes employees of NDA, it’s directors, members, their immediate family members, and anyone professionally connected with the competition.
    4. Legal entities are not eligible to enter.
  3. How to Enter
    1. Entrants must successfully pay their December 2023 and January 2024 instalments for NDA debt counseling services.
    2. Entry is automatic upon confirmation of payment for both months.
  4. Prize
    1. The prize consists of payment by NDA towards one outstanding debt of the winner, up to a specified maximum amount.
    2. The winner will need to provide proof of the debt and creditor details.
  5. Selection of Winners
    1. Winners will be chosen randomly from eligible entrants.
    2. Winners will be notified via email or phone by 15th February 2024.
  6. Claiming the Prize
    1. The prize must be claimed within 7 days of notification.
    2. Failure to claim within this period may result in forfeiture of the prize.
  7. General
    1. NDA reserves the right to modify these terms and conditions without notice.
    2. Participation implies acceptance of these terms and conditions.
    3. By entering, participants consent to use their information for administrative purposes of this competition.
    4. Any taxes or legal obligations arising from winning the prize are the sole responsibility of the winner.
    5. The competition is subject to the laws of South Africa.
  8. Data Protection
    1. Personal information will be used in compliance with current South African data protection legislation.
    2. Entrants may opt out of marketing communications at any time.
  9. Disputes
    1. Decisions by NDA regarding the competition are final and binding.
    2. Any disputes arising from the competition will be governed by South African law.
  10. General
    1. The competition is open to all South African residents aged 18 years and over, except employees of NDA and their close relatives and anyone otherwise connected with the organization or judging of the competition.
    2. By participating, you agree to be fully unconditionally bound by these Rules, and you represent and warrant that you meet the eligibility requirements. In addition, you agree to accept the decisions of NDA as final and binding as they relate to the content of this competition.
    3. The competition must be entered by ensuring your December 2023 and January 2024 payments to NDA are paid on time. The entry must fulfil all competition requirements, as specified, to be eligible to win a prize. Entries that are incomplete or do not adhere to the rules or specifications may be disqualified at the sole discretion of NDA.
    4. The Winner(s) of the competition (the “Winner”) will receive [Detailed Description of the Prize]. NDA shall solely determine the specifics of the prize. No cash or other prize substitution shall be permitted except at NDA’s discretion. The prize is non-transferable.
    5. The odds of winning depend on the number of eligible entries received.
    6. The winner will be selected by a panel of judges under the supervision of NDA. The winner will be notified by email within five (5) days following the selection of the Winner. NDA shall have no liability for Winner’s failure to receive notices due to spam, junk e-mail, or other security settings or for Winner’s provision of incorrect or otherwise non-functioning contact information.
    7. By entering this competition, you understand and agree that NDA, anyone acting on behalf of NDA, and NDA’s licensees, successors, and assigns, shall have the right, where permitted by law, to print, publish, broadcast, distribute, and use in any media now known or hereafter developed, in perpetuity and throughout the World, without limitation, your entry, name, portrait, picture, voice, likeness, image, statements about the competition, and biographical information for news, publicity, information, trade, advertising, public relations, and promotional purposes without any further compensation, notice, review, or consent.
    8. NDA reserves the right, in its sole discretion, to cancel, terminate, modify, or suspend the competition should virus, bug, non-authorized human intervention, fraud, or other cause beyond NDA’s control corrupt or affect the administration, security, fairness, or proper conduct of the competition.
    9. Information submitted with an entry is subject to the Privacy Policy stated on the NDA website.
    10. Acknowledgment of The Consumer Protection Act: Nothing in these Rules is intended to, or must be understood to unlawfully restrict, limit, or avoid any rights or obligations, as the case may be, created for either the Participant or NDA in terms of the Consumer Protection Act, 68 of 2008 (“CPA”).