EXPRESSO X ABSA APP SPIN & WIN 2026/2027 – COMPETITION TERMS AND CONDITIONS

Important clauses which may limit our responsibility, place an obligation on you to indemnify us, involve an acknowledgement of any fact or involve some risk for you will be in bold and italics. You must pay special attention to these clauses.

1. INTRODUCTION
1.1. The Expresso x Absa App Spin & Win Competition (“Competition”) is run by Cardova Trading (Pty) Ltd, producer of the Expresso Morning Show (“Cardova” or “Expresso”), in association with Absa (collectively, the “Organisers”, “we”, “us” or “our”).
1.2. Each person entering the Competition (entrants/you/your) and/or accepting a Prize in terms of this Competition agrees and accepts that the Competition rules as set out in these terms and conditions are binding on him/her.
1.3. Participation in the Competition is subject to these Terms and Conditions, any instructions appearing on the relevant official competition post, and any reasonable instructions communicated by the Organisers during the Competition.
1.4. Entry into the Competition does not guarantee that an Entrant will be selected as a contestant, invited to participate on Expresso, receive a studio visit or surprise visit, spin the prize wheel, or win a Prize.

2. COMPETITION PERIOD
2.1 This contestant selection period will open at 06:00AM on Monday, 2 November 2026 and will close at 10:00AM on Thursday, 18 February 2027 (Competition Period).
2.1. The studio Competition will run from Monday, 9 November 2026 until Friday, 19 February 2027, inclusive (“Competition Period”).
2.2. Expresso will not broadcast during its scheduled production break from 24 December 2026 until 10 January 2027. On-air Spin & Win segments will therefore pause during this period and resume when Expresso returns on 11 January 2027.
2.3. The Organisers may create individual entry or selection periods during the Competition Period. Any applicable closing time or selection deadline will be communicated on the relevant official competition post or platform.
2.4. Entries received after the overall Competition Period has closed will not be considered.

3. WHO CAN ENTER
3.1. In order to be eligible to enter the Competition:
3.1.1. you must be a legal, permanent resident of the Republic of South Africa;
3.1.2. you must be at least 18 (eighteen) years of age or older;
3.1.3. you must be a natural person
3.2. Both Absa customers and non-Absa customers may enter the Competition, unless otherwise expressly stated in a particular competition post.

3.3. You may not enter if you are:

3.3.1. a director, employee, member, partner, agent or consultant of Cardova, Absa or any company directly involved in administering or supplying goods or services for the Competition
3.3.2. an immediate family member of a person referred to in clause 3.3.1; or
3.3.3. otherwise prohibited from participating under applicable law.

4. HOW TO ENTER
4.1. During the Competition Period, Entrants must:
4.1.1. download or access the Absa App;
4.1.2. locate the official Absa App Spin & Win competition post published on Expresso’s official social media platforms (Facebook, Instagram and X); and
4.1.3. share the most meaningful money moment in the comments section of the relevant competition post.
4.1.4. include both #MyAbsa❤️ and #YourStoryMatters in their entry.
4.2. Entries that do not include both required campaign hashtags, #MyAbsa❤️ and #YourStoryMatters, may be deemed invalid and may not be considered for contestant selection.
4.3. A money moment may include, for example, buying a first home, saving towards education, travelling, starting over financially or reaching an important personal financial goal.
4.4. Downloading the Absa App by itself does not constitute a Competition entry. The Entrant must also submit a valid entry through the official Expresso competition post.
4.5. Entries must be submitted manually by a natural person. Automated, bulk, bot-generated or fraudulent entries will not be accepted.
4.6. The Organisers may disregard duplicate, spam, substantially identical or otherwise inappropriate entries.
4.7. Entrants must not include passwords, PINs, OTPs, bank account numbers, card numbers or other confidential banking information in their public entry.
4.8. Entries must be truthful and must not contain material that is unlawful, defamatory, discriminatory, threatening, abusive, obscene, fraudulent, infringing of third-party rights or otherwise unsuitable for public broadcast or publication.
4.9. Where an entry refers to or contains personal information about another identifiable person, the Entrant warrants that they have the necessary permission to share that information.
4.10. Standard data and internet costs associated with entering the Competition remain the Entrant’s responsibility.

5. HOW THE WINNER IS DETERMINED
5.1. This Competition does not operate as a random draw for participation on Expresso.
5.2. Absa and Cardova expressly reserve the right to review valid entries and jointly select the Entrants who will be invited to participate as contestants in the Absa App Spin & Win.
5.3. Contestants may be selected based on factors including, but not limited to:
5.3.1. the relevance and authenticity of the submitted money moment;
5.3.2. suitability of the story for an Expresso television segment;
5.3.3. originality, emotional resonance or audience relevance of the entry;
5.3.4. the Entrant’s availability to participate;
5.3.5. production, geographic, scheduling or technical feasibility;
5.3.6. compliance with these Terms and Conditions; and
5.3.7. the editorial and campaign requirements of Cardova and Absa.

5.4. Submitting an entry does not create any entitlement or legitimate expectation to be shortlisted or selected.
5.5. The number of likes, reactions, replies or other social-media engagement received by an entry will not guarantee selection unless an official competition post expressly states otherwise.
5.6. The Organisers are not obliged to select the earliest entry, the most-liked entry, the most-commented entry or any particular Entrant.
5.7. The Organisers’ selection of contestants will be made at their reasonable discretion, subject to applicable law.
5.8. The Organisers are not obliged to disclose detailed reasons why one entry was selected over another.
5.9. A selected Entrant only becomes a confirmed contestant once their eligibility has been verified and they have accepted the Organisers’ invitation and participation requirements.
5.10. If a selected Entrant cannot be contacted, does not respond within the timeframe communicated to them, cannot participate when required, fails verification or otherwise becomes ineligible, the Organisers may select an alternative Entrant.
5.11. The contestant may be announced on Expresso and its digital media sites.

6. ABSA CUSTOMER SURPRISE AND DOUBLE-SPIN OPPORTUNITY

6.1. Certain qualifying Entrants who are verified Absa customers may, at the discretion of Absa and Cardova, be selected for an additional Surprise & Delight experience.
6.2. This may include a filmed surprise visit and an invitation to participate in the Expresso studio.
6.3. A qualifying Absa customer selected for this experience may receive the opportunity to spin twice and potentially win two Prizes.
6.4. Being an Absa customer does not automatically entitle an Entrant to a surprise visit, studio invitation, second spin or additional Prize.
6.5. Absa may verify whether an Entrant qualifies as an Absa customer for purposes of the applicable Competition mechanic.
6.6. Any surprise visit will remain subject to production feasibility, safety considerations, access permissions and the selected Entrant’s participation in the necessary production arrangements.

7. HOW THE SPIN & WIN MECHANIC WORKS

7.1. Selected contestants will participate in the Absa App Spin & Win mechanic as directed by the Expresso production team.
7.2. The prize wheel may contain broad Prize categories rather than individual Prize names.
7.3. Where a contestant lands on a Prize category, the specific Prize within that category may be determined through a mystery box, prize card, envelope or another equivalent on-air selection mechanism determined by the Organisers.
7.4. Prize cards may be removed or adjusted as individual Prize stocks are awarded or exhausted.
7.5. Where a wheel result is unclear, lands directly between two categories, is affected by mechanical or technical malfunction, or cannot reasonably be determined, the Organisers may require the contestant to spin again.
7.6. The decision of the authorised Expresso production representative regarding the result of a physical wheel spin or Prize selection mechanic will be final, subject to applicable law.
7.7. Being selected to appear as a contestant does not guarantee any particular Prize or Prize value.

8. THE PRIZES

8.1. The Competition has a maximum available Prize pool with an aggregate promotional value of R150,500.00.

8.2. The current Prize inventory comprises:

CASH

5 × R1,000 cash prizes

5 × R2,000 cash prizes

4 × R5,000 cash prizes

1 × R10,000 cash prize

Total Cash Prize Value: R45,000

SHOPPING

10 × R500 Takealot vouchers

10 × R1,000 Takealot vouchers

2 × R5,000 Takealot vouchers

Total Takealot Value: R25,000

GROCERIES

10 × R500 Woolworths Vouchers

10 × R1,000 Woolworths Vouchers

2 × R5,000 Woolworths Vouchers

Total Grocery Voucher Value: R25,000

CHECKERS

2 × R5,000 Checkers vouchers

5 × R1,000 Checkers vouchers

10 × R500 Checkers vouchers [FINAL DENOMINATION TO BE CONFIRMED BEFORE PUBLICATION]

Total Checkers Value: R20,000

FUEL / MOBILITY

5 × R1,000 Shell vouchers

10 × R500 Uber Eats & Ride vouchers [FINAL DENOMINATION TO BE CONFIRMED BEFORE PUBLICATION]

Total Value: R10,000

SELF-CARE

5 × R1,000 Clicks vouchers

10 × R500 Sorbet vouchers

Total Value: R10,000

FOOD

10 × R100 KFC vouchers

10 × R100 Nando’s vouchers

10 × R200 Mr D vouchers

Total Value: R4,000

ENTERTAINMENT

15 × Movie Ticket prizes valued at R500 each

4 × Netflix prizes valued at R1,000 each

Total Entertainment Value: R11,500

TOTAL MAXIMUM AVAILABLE PRIZE POOL – R150,500.00 [FINAL DENOMINATION TO BE CONFIRMED BEFORE PUBLICATION]

8.3. The R150,500 figure represents the maximum aggregate promotional value of the Prize inventory made available to the campaign. It does not constitute a guarantee that every Prize in the inventory will necessarily be awarded.
8.4. The number of Prizes actually awarded will depend on the number of scheduled on-air Competition opportunities, valid contestants, participation, Prize availability and the continued operation of the Competition.
8.5. Each contestant will receive the Prize validly determined through the applicable Spin & Win mechanic, subject to verification and these Terms and Conditions.
8.6. Unless otherwise expressly stated, non-cash Prizes may not be exchanged for cash, transferred, resold or substituted at the contestant’s request.
8.7. The Organisers reserve the right, where reasonably necessary, to substitute a Prize with another Prize of similar or greater commercial value.
8.8. Third-party vouchers, subscriptions, tickets and partner offers may be subject to their own validity periods, redemption conditions, availability requirements and supplier terms.
8.9. Images of Prizes used in promotional material are illustrative and the actual Prize may differ in appearance.
8.10. Where a Prize or partner allocation is exhausted, the Organisers may remove that Prize from the available Prize pool or relevant category.
8.11. Cash Prize winners may be required to provide valid identification and verified banking information before payment can be processed.
8.12. Prize fulfilment may be handled by Cardova, Absa or the relevant Prize partner, as communicated to the winner.

9. WINNER VERIFICATION AND PRIZE FORFEITURE

9.1. A Prize winner may be required to provide:

9.1.1. a valid South African identity document or other legally acceptable proof of identity;
9.1.2. proof of residence where reasonably required;
9.1.3. contact information;
9.1.4. banking information where required for a cash Prize; and/or
9.1.5. any other reasonable information required to verify eligibility or fulfil the Prize.
9.2. The Organisers will never require a winner to provide a banking PIN, password, OTP or full card security credentials in order to claim a Prize.
9.3. No winner will be required to pay a fee in order to receive a legitimate Prize under this Competition.
9.4. A Prize may be forfeited where:
9.4.1. the winner supplied false or misleading information;
9.4.2. the winner cannot be verified as eligible;
9.4.3. the winner fails to provide reasonably requested verification information;
9.4.4. the winner fails to respond within the timeframe communicated;
9.4.5. the winner breaches these Terms and Conditions;
9.4.6. the winner refuses or is unable to participate in the applicable Competition mechanic; or
9.4.7. awarding the Prize would be unlawful.
9.5. Where a Prize is forfeited, the Organisers may elect to award it to another eligible Entrant or return it to the remaining Prize pool.

10. FILMING, BROADCAST AND PUBLICITY

10.1. Selected contestants may be filmed, photographed and/or audio recorded for Expresso and related Competition content.
10.2. Participation as an on-air contestant may be conditional upon the contestant signing an appropriate appearance and release form.
10.3. By accepting an invitation to participate, contestants acknowledge that their name, image, voice, Competition entry, reactions and participation may be broadcast on television and used on Expresso, Cardova and Absa digital and social-media platforms in connection with the Competition and related campaign publicity.
10.4. Entrants grant the Organisers a non-exclusive, royalty-free licence to reproduce, edit for length or format, publish and broadcast their submitted Competition entry for purposes reasonably connected with administering, promoting and reporting on the Competition.
10.5. The Organisers will not knowingly materially misrepresent an Entrant’s submitted story through editing.
10.6. Entrants remain responsible for ensuring that content submitted by them does not infringe the intellectual-property, privacy or other rights of third parties.

11. STUDIO PARTICIPATION, TRAVEL AND PRODUCTION

11.1. Selected contestants may be required to participate at a location, studio, by telephone, remotely or through another production arrangement determined by Cardova.
11.2. Participation remains subject to production schedules, technical feasibility and broadcast requirements.
11.3. Unless the Organisers expressly confirm otherwise in writing, travel, accommodation, meals, transport and other incidental expenses associated with participation are not automatically included as part of a Prize.
11.4. The Organisers may change the planned method, date, time or location of a contestant’s participation where reasonably necessary for broadcast, operational, safety or technical reasons.
11.5. The Organisers may decline or discontinue an on-location or studio participation where circumstances create a reasonable safety, legal, regulatory or production risk.

12. PERSONAL INFORMATION

12.1. The Organisers may process personal information reasonably necessary to:

12.1.1. administer the Competition;
12.1.2. verify eligibility;
12.1.3. contact Entrants and selected contestants;
12.1.4. verify Absa customer status where relevant to a Competition mechanic;
12.1.5. arrange filming and participation;
12.1.6. fulfil Prizes; and
12.1.7. comply with legal or regulatory obligations.
12.2. Personal information may be shared between Cardova, Absa and relevant service providers only to the extent reasonably necessary to administer the Competition and fulfil Prizes, subject to applicable data-protection laws and privacy policies.
12.3. Entrants should never post confidential banking information publicly in connection with this Competition.
12.4. Entry into the Competition does not, by itself, constitute consent to unrelated direct marketing where separate consent is required by law.

13. DISQUALIFICATION AND PROTECTION OF THE COMPETITION

13.1. The Organisers may disqualify an Entrant where there are reasonable grounds to believe that the Entrant:

13.1.1. has manipulated or attempted to manipulate the Competition;
13.1.2. used automated or fraudulent entry methods;
13.1.3. impersonated another person;
13.1.4. submitted false information;
13.1.5. infringed third-party rights;
13.1.6. engaged in unlawful, threatening, abusive or discriminatory conduct connected with the Competition;
13.1.7. attempted to interfere with the safe or fair administration of the Competition; or
13.1.8. materially breached these Terms and Conditions.
13.2. The Organisers may refuse to broadcast, publish or feature content that, in their reasonable editorial or legal assessment, may expose the Organisers, participants or third parties to legal, regulatory, safety or material reputational risk.
13.3. Nothing in this clause is intended to prevent an Entrant from expressing a lawful and legitimate complaint or criticism.

14. TECHNICAL FAILURES AND SOCIAL MEDIA PLATFORMS

14.1. The Organisers cannot guarantee uninterrupted access to social media platforms, websites, internet connections, the Absa App or broadcasting systems and will not be liable for an entry that is lost, delayed, corrupted or not received because of circumstances reasonably beyond their control.
14.2. Entrants are responsible for ensuring that they submit entries through the official Expresso Competition post.
14.3. Entrants should remain alert to fake social-media accounts or persons impersonating the Organisers.
14.4. The Competition is not sponsored, endorsed, administered by or associated with Meta, Facebook, Instagram, X, TikTok or any other social platform unless expressly stated.
14.5. Any Competition-related correspondence must be directed to the Organisers and not the relevant social-media platform.

15. LIMITATION OF LIABILITY

15.1. To the fullest extent permitted by law, the Organisers will not be liable for any direct or indirect loss, damage, cost, injury or expense arising from participation in the Competition or acceptance or use of a Prize, except where liability cannot lawfully be excluded.
15.2. Entrants and contestants participate in any filming, travel, studio activity or Competition mechanic at their own reasonable risk and must comply with safety instructions provided by the Organisers.
15.3. The Organisers will not be responsible for the failure of a third-party Prize supplier, voucher provider or service provider, except to the extent that applicable law provides otherwise.
15.4. Nothing in these Terms and Conditions is intended to unlawfully exclude or restrict any right afforded to a consumer under the Consumer Protection Act 68 of 2008 or any other applicable law.

16. CHANGES, SUSPENSION OR TERMINATION

16.1. The Organisers reserve the right to amend these Terms and Conditions where reasonably necessary for operational, legal, regulatory, technical, Prize-supply or broadcast reasons.
16.2. Material amendments will be communicated through an appropriate official platform where reasonably practicable.
16.3. The Organisers may suspend, postpone or terminate the Competition if circumstances beyond their reasonable control make the Competition impossible, unsafe, unlawful or materially impractical to continue.
16.4. This may include technical failure, broadcast disruption, force majeure, regulatory intervention, Prize-supply failure or circumstances materially affecting the integrity of the Competition.
16.5. Where possible and lawful, the Organisers will endeavour to deal fairly with entrants and winners affected by any such change.

17. GENERAL

17.1. The Organisers’ decisions regarding contestant selection, Competition administration and Prize allocation will be final, subject to applicable law.
17.2. The Organisers are not required to enter into correspondence regarding editorial contestant-selection decisions.
17.3. If there is an inconsistency between promotional material and these Terms and Conditions, these Terms and Conditions will prevail, subject to applicable law.
17.4. Failure by the Organisers to enforce any provision immediately will not constitute a waiver of that provision.
17.5. If any clause is found to be invalid or unenforceable, the remaining provisions will continue to apply.
17.6. The Competition and these Terms and Conditions are governed by the laws of the Republic of South Africa.
17.7. These Terms and Conditions will be made available through expressoshow.com and/or absa.co.za, as confirmed by the Organisers.
17.8. Entrants are encouraged to retain or review the current version of these Terms and Conditions throughout the Competition Period.

18.1. By posting any content images or comments on any of the Promoter’s public and/or social media platform a Participant consent to and gives the Promoter a world-wide royalty free license to reproduce modify adapt and publish such content images or comments for the purposes of promoting the Promoter’s products and/or services.
18.2. We will need to process your personal information to validate your entry as well as to contact you to offer you products and, if you are a Winner, to make the Prize available to you. By entering this Competition, you specifically and expressly consent to us processing your personal information for these purposes and you specifically and expressly consent to us contacting you for marketing purposes.
18.3. We assume no risk and/or liability whatsoever for the failure of any technical element in the Competition which may result in your entry not being successfully submitted and/or the Winner not successfully receiving or taking up the Prize. Once the Winner accepts the Prize, the Winner accepts the Prize at his/her own risk.
18.4. We assume no liability whatsoever for any direct or indirect loss, harm or damage arising from your participation and/or any Prize awarded in the Competition or for any loss or damage, howsoever arising. All persons, whilst participating in this Competition, indemnify and hold us harmless for any loss, damage, harm or injury (whether arising from negligence or otherwise) which may be sustained as a result of any claim, costs, expense, loss or damages which may be made by any third party.
18.5. If required by the Minister of Trade and Industry, the National Consumer Commission or for whatever other reason, we will have the right to modify or terminate this Competition with immediate effect and without notice of such modification or termination. In such event, all entrants hereby waive any rights, which they may have against us and hereby acknowledge that they will have no recourse or claim of any nature whatsoever against us.