Terms & Conditions

Debt Review Awards Process & Website Terms & Conditions

The Debt Review Awards is organised and managed by Debtfree Magazine (Leigh King Admin Services cc) and will hereafter be referred to as ‘the Awards” or ‘Debt Review Awards’ or Debtfree interchangeably. The Awards process makes use of an online survey or peer review system. The two terms are used interchangeably.
General Terms and Conditions

  1. Participation

By participating in the peer review of the Awards process, each participant agrees to be bound by the official process rules.  Participation is limited to one contribution (in the various categories) per verified email address or representative of a NCR registrant  If an entrant receives multiple and/or irregular votes or multiple votes from the same user or users, including but not limited to, votes generated by a robotic, programmed, script, macro, other automated means or other source,  the Awards reserves the right to disqualify the participant or candidate at it’s sole discretion. Persons who violate any rule, gain unfair advantage in participating in the peer review, or obtain winner status using fraudulent means will be disqualified. If any candidate is found to be soliciting votes in return for a purchase or payment of any kind, that candidate may be disqualified at the Awards sole discretion.

 

  1. Submissions, candidates and inclusion/exclusion

In its sole, full and unfettered discretion, the Awards may include or exclude an industry party from the Awards peer review or survey process. Should you wish to be considered you can contact awards@debtfreedigi.co.za in advance of the process for possible inclusion at the discretion of the organisers. Potential candidates can also use the sign up form found via the www.debtreviewawards.co.za website. Once signed up candidates will be eligible to be enrolled in the process annually until they notify the organisers of not wishing to be considered any longer. PDA candidates need to have a minimum of 10 responses to be effectively considered in the DC Peer Review results section. Candidates must be reviewed by a large percentage of participants in the final stages and the winner cannot be unknown to the majority of participants. Candidates who have a large number of don’t know (not known to participants) may be excluded from consideration in a category at the discretion of the auditors or organisers. Top 10, Top 5 nominees and eventual winners in the awards process will be based solely on the outcome of the peer review or survey process or in the case of a tiebreaker the final adjudication of the organisers, in accordance with category requirements and criteria. In the unlikely event of a results tie, the candidates involved in the tie will be reviewed by the organizers who will serve as a tiebreaker and who will evaluate candidates according to the criteria. The decisions will be final and binding on all matters relating to such a tie. The Nousheen Pore Award will be based on nomination from industry participants and then reviewed by a 3 person panel of industry experts. The outcome will be based on who best matches the given criteria. The peer review or survey process results will be audited by independent auditors and verified. The results of the peer review process will be final and binding. Participants agree to abide by the outcome of the peer review system. No negotiations will be entered into in regard to the outcome of the Awards process. The results as determined by the peer review or survey system are binding on participants. The top 10 or 5 nominee results may be announced in advance of the gala event and the winners announced on the evening of the Awards gala.

  1. Use of material appearing on the Awards website or promotional material
    For the purposes of these terms and conditions “material” means material including, without limitation, text, video, graphics and sound material, published on the Awards website, whether copyright of the Awards, Leigh King Admin Services cc or a third party.

You may download and print extracts from the material and make copies of these for your own personal and non-commercial use only. You are not allowed to download or print the material, or extracts from it, in a systematic or regular manner or otherwise so as to create a database in electronic or paper form comprising all or part of the material appearing on the Awards website.  You must not reproduce any part of the Awards website or the material or transmit it to or store it in any other website or disseminate any part of the material in any other form unless we have indicated that you may do so. This also relates to the Awards logo, Top 10, Top 5 logo and Winner logos for use by candidates who are Top 5 nominees or category Winners. Top 10, Top 5 and Winners will be allowed to refer to the fact that they are Top 10, Top 5 nominees or Awards Winners and use the Awards logo in their own publicity materials for a period of 3 years from the date on which they receive their award or nomination. Candidates who are not nominated for a Top 5 position or winner in a category are not allowed to use their candidature in the process or to use the Awards logo to promote their business unless with specific written consent. We may be prepared to allow you to distribute or reproduce other parts of the Awards website or the promotional material in certain circumstances. Please email awards@debtfreedigi.co.za if you wish to apply for permission to do so.

  1. Disclaimer of liability
    To the extent permitted at law, we do not accept any responsibility for any statement in the material. You must not rely on any statement we have published on the Awards website or promotional without first taking specialist professional advice. Nothing in the material is provided for any specific purpose or at the request of any particular person. For the avoidance of confusion, we will not be liable for any loss caused as a result of your doing, or not doing, anything as a result of viewing, reading or listening to the material or any part of it (except for death or personal injury attributable to our specific negligence and to the extent permitted at law).

There are links on the Awards website to third party web sites which the Awards has no control over. The Awards accepts no responsibility or liability for any third party practices on third party websites. We give no warranties of any kind concerning the Awards website or the material. In particular, we do not warrant that the Awards website or survey portal or any of its contents is virus free. You must take your own precautions in this respect as we accept no responsibility for any infection by virus or other contamination or by anything which has destructive properties.

The entrants acknowledge that the Awards gala and workshop events are organised by the Awards but that catering and the event venue is provided by a business or businesses unconnected with the Awards. The Awards therefore accepts no liability in respect of issues arising with catering or venue and all such claims shall be directed at the relevant business.  Entrants, sponsors and viewers of the online show recognise that streaming services may promote services not supported by the organisers (see #5) and that power supply and signal interruption may occur. The Awards therefore accepts no liability in respect of issues arising as a result.  If for any reason, the Awards decides to make material changes to or cancel the event due to unforeseen circumstances, the Awards are not responsible in any event for any expenses incurred by participants, including but not limited to airfare, travel, accommodation or other costs.

  1. Third party material on the Awards website, promotional material or at the event.
    You will see advertising material submitted by third parties on the Awards website or during the online streamed or rebroadcast show. Individual advertisers are solely responsible for the content of advertising material which they submit to us, including ensuring that it complies with relevant legislation. We accept no responsibility for the content of any process advertising material, including, without limitation, any error, omission or inaccuracy therein.

 

  1. Obligations of those participating in the peer review or survey process

Those participating should be authorised to represent their firm, company or body in the process. Participants are to endeavour to capture information that reflects their experience with the candidates in a factual manner. Participants are not to accept any compensation from any candidate in return for favourable ratings. Participants consent to being considered themselves in the process.

 

  1. Indemnity

The participant shall unreservedly and promptly indemnify and keep indemnified in full the Awards from and against any and all loss, damages, fees (including legal fees and costs incurred), liabilities whether criminal or civil suffered by Leigh King Admin Services cc or a member as a result of any or all of the following: misrepresentation by a candidate; infringement upon intellectual property rights, transmittal of private information, manipulation of the review system by a participant or candidate, failure of the online peer review computer system or programme.

 

  1. Privacy Statement & PoPI Act

The Awards respects the privacy of every individual who visits the Awards website or makes use of our online peer review or survey system. As part of the registration process, we may collect your email address to send you information pertinent to the Awards, including follow up surveys related to the process or industry or links to the Debtfree magazine. By indicating your willingness to be considered and enter review information in regard to candidates, you give permission for the PDAs or related industry parties or industry associations to share  information with the organisers which may include contact information, general category confirmation, client performance, churn stats, current standing, etc. You also give permission for selected parties to receive information in regard to their performance in the peer review. This is in line with PoPI requirements. Such information may also be discussed by a closed panel or the organisers. The Awards will not generally disclose any personal information or contact details that you submit on our website or surveys to any third parties without consent (eg your email address). Sponsors may request information regarding to event attendees, contact details in order to message. However, if you do not wish to be contacted, when contacting you we will provide the option of unsubscribing from our database and lists.

Competitions

The Awards or Sponsors may host competitions leading up to and during the event. These will not be active after the event ends. No debate or negotiations will be entered into about the winners. Data collected during such competitions and sponsored events may be shared with the sponsor for the specific purpose of contacting the participants. The organisers’ and/or sponsors’ choice will be final. The prizes cannot be exchanged for monetary value nor transferred.

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Royal Piggy Draw Competition by King Price Insurance

The following Terms and Conditions apply to this competition:

The Royal Piggy Draw | Competition Terms & Conditions

 

  1. Promoter

The Royal Piggy Draw (“Competition”) is promoted by King Price Life Insurance Limited (“King Price Life”), a licensed life insurer and authorised Financial Services Provider (FSP No. 47235 | Reg. No. 1948/029011/06).

  1. Competition period

The Competition takes place on 16 October 2026, during the Debt Review Awards.

Entries open on the day of the event and close at the announced cut-off time before the respective draws, which will take place before the event concludes. Entries received after the relevant cut-off time will not be considered.

  1. Eligibility

The Competition is open to individuals aged 18 years or older who attend the Debt Review Awards in person or watch the official online broadcast. Employees and representatives directly involved in organising or administering the Competition, and their immediate family members, are excluded. No purchase or payment is required to enter.

Participants must provide correct contact details and agree to be contacted for Competition administration, winner verification and prize delivery.

  1. How to enter

The Competition consists of two separate lucky draws:

  • In-person Draw: For eligible attendees physically present at the Debt Review Awards.
  • Online Draw: For eligible viewers watching the event online.

Participants enter by scanning the official Competition QR code and completing the entry form with their required personal and contact details.

In-person attendees whose details have been shared by the event organiser may also enter using the QR code. Pre-registration or sponsor data sharing also constitutes an entry.

Only successfully submitted entries received before the applicable closing time will qualify. Participants may receive multiple entries into the draw. The attendee who bowls closest to the King in King Price Life’s lawn game will receive one additional entry into The Royal Piggy Draw. Incomplete, fraudulent or unverified entries may be disqualified.

  1. Prizes and winner selection

2 winners will be selected, each receiving the following prize:

  • In-person winner: 1 FIELDBAR filled with a selection of goodies.
  • Online winner: 1 FIELDBAR.

Both draws will take place on 16 October 2026, using an electronic random-selection tool that randomly selects a winner from the relevant pool of eligible entries.

The winners will be announced during the event, subject to verification of eligibility.

King Price Life will maintain records of the entries, random selection process and results. If a selected winner is ineligible, can’t be verified or fails to claim their prize within the communicated timeframe, an alternative winner may be selected randomly.

Prizes aren’t transferable or exchangeable for cash.

  1. Winner notification and prize delivery

In-person winners will be announced at the event and contacted using their submitted details, if necessary. Online winners will be announced during the event and contacted afterwards to verify their identity and obtain a valid South African delivery address.

Prizes will be delivered to verified online winners at no cost to them, within a reasonable period communicated by King Price Life. Winners may be required to provide reasonable proof of identity and eligibility before receiving their prizes.

  1. Personal information and consent

By submitting their details, participants enter The Royal Piggy Draw and acknowledge that:

  • Personal information will be used to administer the competition, verify entries, select and contact winners, and arrange prize delivery.
  • King Price Life or its authorised representatives may contact participants to discuss insurance solutions, products, services and potential partnership opportunities.

Communications may take place via telephone, email, SMS or WhatsApp.

Participants may opt out of future marketing communications at any time by emailing lifePOPI@kingprice.co.za with the subject line “Royal Piggy Draw – Marketing Opt-Out”, or by using an opt-out mechanism provided in the communication.

Personal information will be processed in accordance with the Protection of Personal Information Act (POPIA) and the King Price Group Privacy Policy.

  1. General

King Price Life reserves the right to verify entries and disqualify fraudulent, incomplete, duplicate or ineligible entries. King Price Life may amend, suspend or cancel the Competition where reasonably necessary and permitted by law. King Price Life isn’t responsible for technical failures outside its control that prevent an entry from being successfully submitted.

By entering, participants acknowledge these Terms & Conditions. Nothing in these Terms & Conditions limits participants’ rights under applicable South African law.

  1. Queries

For Competition-related enquiries, contact lifeadvisors@kingprice.co.za.

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  1. Governing Law & Jurisdiction
    This agreement is governed by South African law and the parties agree to submit to the exclusive jurisdiction of the South African courts.

 

  1. Debt Review Awards T&Cs Variations
    These terms may be varied from time to time. Please ensure that you review these terms and conditions regularly as you will be deemed to have accepted a variation if you continue to use the site or participate peer review system or related events after it has been posted.