Liberty EduCator Competition

Please note: This competition is currently only open to entrants that reside in Johannesburg.


Please see terms and conditions below:

General Rules for Liberty EduCator Benefit Competition


  1. The competition is administered by Kuben Naidoo in partnership with BabyYumYum.

Commencement and closing date:

  1. The competition runs from 01 November 2018 and closes on 31 January 2019.
  2. No late entries will be accepted.

Who may or may not be eligible to enter:

  1. The competition is open to all who provide positive referral appointments to Kuben Naidoo.
  2. To be eligible, entrants must provide personal details and agree to an appointment.
  3. This competition is only open to entrants who live in Johannesburg and surrounding areas.
  4. No employees, financial advisers or contractors of Liberty and BabyYumYum shall be eligible to take part in the competition.

Competition mechanics:

  1. There is no entry fee.
  2. Submission of referrals will only be accepted if submitted on the landing page provided.
  3. All referrals submitted will go through a validation process. Any referrals that fail the validation process will be immediately disqualified.
  4. Prize is non-transferable i.e. prize must be taken up by the winner.
  5. Prize cannot be exchanged for cash.
  6. Prize consists of a R500 per month payment by Kuben Naidoo to the EduCator benefit policy of the winner for the period of 12 months.

Selection of Winners:

  1. The outcome of the competition and the determination of the prize winner is subject to the final decision of Kuben Naidoo and BabyYumYum. The decision will be final and no negotiation or correspondence will be entered into after the closing date.
  2. The winner will be announced on the BabyYumYum Facebook page.
  3. The prize will under no circumstances be given to a third party, and will only be awarded directly to the verified prize winner.
  1. By entering into the draw, the winner agrees to Liberty using their name in marketing communication during the duration of the competition.

Additional Terms and Conditions:

  1. By entering this competition, the participants and the winner agree to be bound by the terms of this competition.
  2. Kuben Naidoo and BabyYumYum reserve the right, in their sole discretion, to amend rules, or to cancel or suspend this competition.
  3. Entering into this competition does not create any obligation on Kuben Naidoo and BabyYumYum, its agents, employees or shareholders, nor do the participants acquire any rights in law.
  4. Unsuccessful participants will have no claim or action whatsoever against Liberty, Kuben Naidoo or BabyYumYum, as a result of participating in this competition.
  5. Liberty, Kuben Naidoo and BabyYumYum are not responsible for and accept no liability for participation in the competition, or any injury or loss sustained while using the prize awarded in this competition.
  6. Liberty, Kuben Naidoo and BabyYumYum are not responsible for and accept no claim or action arising from the failure to observe or perform any duties or obligations in accordance with any law, license, certificate, authorization and consensus required for entering into this competition.
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