Terms of use

The Reality by Sanlam client loyalty programme (“Reality”) is a Sanlam Group initiative. It is offered by Real Futures (Pty) Ltd, a subsidiary of Sanlam Ltd.

Reality’s objective is to help you – our Sanlam Group clients – by empowering you to secure independently sourced information that gives you an understanding and knowledge of the financial planning process so that you can make informed and sound financial decisions with your financial planner.

In addition, the Sanlam Group has secured a wide range of benefits in the form of discount opportunities from its subsidiaries and affiliates, and from suppliers so that, when you participate in Reality, you can share in these benefits.

When you, as a Reality member, use these benefits, you are rewarded for doing so and, at the same time, are made more aware of this initiative’s more serious, informative functions.

These Reality terms and conditions constitute an agreement between Real Futures (Pty) Ltd and you – as a Sanlam Group client – when you join Reality, governing the rights and obligations of both parties each time you access Reality. By joining and accessing Reality, you confirm that you have read, understood, and agreed to be bound by these Reality terms and conditions, as they may be amended from time to time.

• Eligibility and exclusions
• Registering for Reality
• Personal use of Reality Benefits
• Reality Gym benefits
• LiquidRewards®
• Reality fees
• User ID and password
• RealityPoints and Reality card
• Welcome packs
• Contact details
• Competitions, promotions, and new services
• facebook competitions
• Ending your participation in Reality
• Privacy policy and Security
• Our Reality website
• No representations or warranties and liabilities
• Law governing our relationship
• Other
• Amendments to these terms and conditions
• Movies, Dining and DVDs Benefits

• Eligibility and exclusions

Sanlam Group clients are eligible to join Reality if they are South African citizens with valid identity documents and are 18 years or older. In case of CAMAF members a valid passport will also be accepted.

Sanlam client

Eligibility

A Sanlam client is any individual who is an existing Sanlam client and is the policyholder or is the insured party of fund-owned policies of a specified product. A Sanlam client is also any individual as described above who has one or more products of the following product providers.Sanlam Personal Finance (including Sanlam Trust), Sanlam Collective Investment, Glacier by Sanlam, Sanlam Private Investment

Exclusions:
Sanlam Corporate client, Sanlam Home Loans client, Sanlam Personal Loan client, Sanlam Namibia client, Family membership except under Reality’s Family Gym benefit (Spouses and children of policyholders who are 18 years or older can have their own individual Reality membership; the tier of membership is determined by a spouse or child’s own product holding and other qualifying criteria.)Trust or close corporation

Cessionary

Sanlam Liquid, African Life, and SPI client

Santam client:

Eligibility

A Santam client is any individual who is the policyholder of one or more of the following Santam personal-line retail products or policy sections that insure an RSA-based risk:

Content

All risk

Motor

Exclusions

Santam commercial line (SME client), and corporate client

Santam client via Namibia or UK offices

Santam client with only a legal-access policy

Sanlam staff:

Eligibility

Sanlam staff – as per definition in South Africa only – is any individual who is in the permanent employ of Sanlam and who has her or his salary paid via the SAP system. This means staff at head office in Bellville, at regional client-service centres, at walk-in centres, at kiosks, and broker consultants.

Exclusions

Contractor

Contractor on SAP

PAYE intermediary or tied broker (including Sanlam Group Solutions) on SAP (since such a person is classified as an intermediary)

Namibia staff

Santam staff:

Eligibility

Santam staff is any South African-based individual who is in the permanent employ and on the payroll of Santam in any role and at any office.

Exclusions

Santam Namibia

Santam South African subsidiary staff, including but not limited to Nova Holdings, Gilts Broker Solutions, Aegis, and Guardian National

Sanlam intermediary:

Eligibility

A Sanlam intermediary is any individual intermediary who is listed on AGT and has a broker or advisor code or is certified by Sanlam as an adviser or as a Sanlam-approved or certified broker and is FAIS compliant or who is contracted or employed by a corporate brokerage or a broker house that is listed on AGT.

Exclusions

Staff making a referral

Uncertified broker

Corporate brokerage or broker house

Broker consultant (since such a person is classified as staff)

Santam intermediary:

Eligibility

Staff making a referral

Corporate brokerage or broker house

Broker consultant (since such a person is classed as staff)

CAMAF member

Eligibility

A CAMAF member is any individual who is the policyholder of one or more of the CAMAF products as provided by CAMAF to Reality.
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• Registering for Reality

You can register for Reality by completing an application form online on our website www.reality.co.za, by faxing your completed Reality application form to 021 706 8750, or by posting it to PO Box 234, Plumstead, 7801. For more information, visit our website or call our Reality call centre at 086 073 2548/9 (REALITY).

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• Personal use of Reality Benefits

Any benefit provided by, through, or on behalf of any Reality partner (such as Private Label Promotions) or on the basis of membership of Reality is for the sole and exclusive personal use of paid-up Reality members only. Access to, and the use and enjoyment of any Reality benefit are for Reality members and their families only.
Unless expressly provided for (in, for example, family gym membership, one-call services, and Reality 2FOR1 dining), no Reality member shall access, either directly or indirectly, or be entitled to access any Reality benefit for the use and enjoyment of any person other than that Reality member.
In particular, no Reality member shall access, either directly or indirectly, any Reality benefit in any way whatsoever for the use, enjoyment or benefit of any business or any member, agent, employee, subcontractor, client, or customer and the like of any such business or businesses of that Reality member or business associate of that Reality member.
No person, entity, or business shall access, either directly or indirectly, or be entitled or authorized to access any Reality benefit on the basis of any association of whatever nature to a Reality member.
Reality may, immediately, without notice and without incurring any liability whatsoever to a Reality member or to any third party, terminate the membership of that Reality member and, where applicable, the membership of any person acting for or acting on behalf of that Reality member whenever any Reality benefit is accessed, used or enjoyed by any person, entity or business not entitled to do so.
Own risk and indemnity: Reality members must fully understand and accept that the use and enjoyment of any or all benefits, products, and services offered by any Reality partner shall be undertaken at their and, where applicable, a family member’s own risk. Reality members on behalf of themselves, their executors, and their aforesaid family members hereby indemnify, hold harmless, and absolve, Real Futures (Pty Ltd) and the Sanlam Group of Companies against and from all claims whatsoever that may arise in connection with any loss of or damage to the property or injury to the person of themselves or aforesaid family member in the course of any use or enjoyment of the benefits, products, or services.

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• Reality Gym benefits

Reality Gym benefits

Reality members can enjoy a gym membership at very affordable rates at approved Virgin Active, Planet Fitness and certain other accredited gyms.

Reality Gym Benefit Summary:

Reality gym benefits differ and depend on the type of products owned by members. The schedule below gives a summary of qualifying products, membership options, gym benefits and Reality fees linked to the options.

Qualifying Product(s)	Reality Gym membership Options	Gym reward Benefit	Gym Fee Discount	Monthly Reality Fee
Primary CAMAF member	Health Single Option			R 97.15
Primary CAMAF member	Health Family Option			R115.50
Spouse/Dependent of primary CAMAF member	Spouse/Dependent under Health Family option			No additional fee
Primary member of at least 2 qualifying Sanlam Group products	Reality+ Gym option			R179
Primary member of at least 1 qualifying Sanlam Group product	Reality Standard Option,			R38
Primary member of at least 1 qualifying Sanlam Group product	Reality+ Option			R109

 

Qualifying rules for gym benefits:

• Members enter into separate agreements at Reality and the gym of their choice and qualify for membership as set out in the separate terms and conditions.
• Failure to comply with the product criteria above will result in the gym benefit being cancelled. Members will lose their gym discount (dependent on the gym joined at) and any rewards payable by Reality. Should members then wish to reinstate their gym benefit, the required product rule must be met, and once again follow the membership application process.
• Spouses or dependents only qualify for Reality gym membership on the Health Family options.
• CAMAF principle member’s spouses or dependents over the age of 18 years may qualify as spouse/ dependents under the Reality Health Family option. Reality gym benefits, rules, terms and conditions as applicable to the Health Family option will also apply to these spouse/ dependents.
• Spouses or dependents are defined by the CAMAF medical scheme rules.

Membership Fee rules for gym benefits:

• Members enter into separate agreements with Reality and the gym of their choice, including payment of membership fees.
• Gym membership fees differ and are determined by the gyms themselves (not by Reality). Gym fees may be obtained from the gym of your choice and Reality.
• Any gym fee changes are instituted by the gyms themselves, usually on an annual basis.
• Bank account details are required by the gyms to debit fees for gym and Reality membership separately.
• Where applicable, a once-off gym joining fee is payable to the gym upon application for gym membership.
• No once-off joining fees are payable to Reality.
• The bank account of members is debited separately with the Reality fee amount dependent on the Reality option of their choice.
• In case of spouse/dependents the bank account of a principal is debited with the Reality fee amount dependent on the Reality membership option of their choice.
• The payment of fees is by debit order only. Stop-order or cash payments are not accepted.
• Reality reserves the right to amend the Reality membership fee, usually on an annual basis.

Monthly Gym Fee Discount Benefit:

Reality has negotiated the following gym-specific monthly discounts on gym fees for Reality Gym members:

• Virgin Active: 15% discount
• Planet Fitness: 20% discount
• Accredited gyms: Determined by the gym (and could also only mean reward payments are applicable)

Rules for monthly gym fee discounts:

• Monthly home gym fee discounts are applicable provided that both Reality and gym memberships are active and payments are not in arrears.
• Failure to meet these conditions may result in the defaulting member forfeiting the applicable discount and paying normal gym fee rates.
• No refund is payable to members on fee discounts where members defaulted on their monthly membership payments are in arrears.

 

Gym reward Benefit: Reality rewards members for an active lifestyle by paying gym access rewards to members.

reward payments:

Health Single- and Family options

Monthly gym access count	Monthly reward*
0 – 5 visits	No reward
6 or more visits	35% of gym fee

*Maximum monthly reward payable: R402,50

Reality+ gym option:

Monthly gym access count	Monthly reward
0-3 visits	No reward
4-7 visits	R50
8-11 visits	R169
12 or more visits	R300

 

• Gym reward benefit rules: The reward calculation is based on the member’s monthly gym access count and gym fee value as received from the gym.
• Virgin Active- and Planet Fitness supplies Reality with member’s gym access count and gym fee values on a monthly basis. Members of these gyms need not to supply Reality with the information
• Accredited gyms do not supply Reality with member’s gym access count and gym fee values. It is the responsibility of members at accredited gyms to obtain this information from their gym and send it to Reality on a monthly basis. Reality is not responsible for non-payment of rewards due to information not supplied by members.
• It is the responsibility of Accredited gym members to supply Reality with their monthly gym access count before the 5th of each month. Failure to supply Reality with this information on time will lead to non-payment of rewards.

• rewards are paid monthly and in arrears to qualifying members.
• Members qualify for monthly rewards provided that both their Reality and gym membership is active.
• Members qualify for monthly rewards provided that both Reality and gym fees are fully paid up by members. rewards are not payable in the event of membership fees being in arrears, either at Reality or at the gyms. Should a member make payment for fees in arrears, no reward is payable by Reality in arrears.
• rewards are calculated using the last month’s activity prior to your debit order being deducted as reported by the gyms.
• The maximum reward payable on the Health Gym options is R402.50 per active paying member.
• It is the member’s responsibility to ensure that their gym visits are recorded accurately each time they visit their gym. If members visit their gym more than once per day, only one visit will be counted per day for reward purposes.
• rewards are paid into member’s bank account using the latest banking information available to Reality. Reality will not be held responsible for incorrect reward payments due to members not ensuring their correct banking details supplied to Reality.
• Reality will use the principal member’s banking details for the payment deposit of rewards earned by spouse/dependents.
• It is the member’s responsibility to ensure that the correct banking details are supplied to Reality.
• Reality will use gym access count information as received by Virgin Active and Planet Fitness to determine reward payments to members at these gyms.

How to apply for Reality Gym benefits:

Separate agreements with Reality and the gym as selected by the member need to be entered into.
Members can either apply for membership through Reality or the gym of their choice. However, we recommend you start by calling Reality on 0860 732 548/9 and speak to a consultant.

• Activate your Reality membership:
• Contact Reality at 0860 732 548/9 where one of our friendly agents will assist.
  • Inform our agent that you wish to enjoy the Reality gym benefits. The agent will discuss your options to enjoy benefits.
  • The agent will confirm that you qualify for gym membership.
  • You will have to provide your details to Reality including your banking details for debit order purposes of the Reality fee.
  • You will be registered at Reality and referred to the gym of your choice to join there if you have not yet done so.

 

• Activate your gym membership:
  • Contact the gym of your choice and indicate that you wish to join the gym as a Reality member.
  • You will have to provide your details to the gym, including your banking details for debit order purposes of the gym fee.
  • You may have to pay a joining- and card fee, dependent on the gym rules.
  • You will be registered at the gym and be referred to Reality to join there.
  • Virgin Active Reality members will receive a 15% discount from the gym on your home gym fees as per agreement between Reality and Virgin Active. Ensure this is applied by the gym.
  • Planet Fitness Reality members will receive a 20% discount from the gym on your home gym fees as per agreement between Reality and Planet Fitness. Ensure this is applied by the gym.
  • An instruction will be sent from Virgin Active/Planet Fitness to Reality to validate your Reality membership based on the qualifying products.
  • If you do not qualify for Reality membership, the gym will change your gym contract from a Reality gym contract to a public contract. No discounts are applicable to the public contract, and your gym fee will increase to associated public contract gym fees.
  • At accredited Gyms, gym fees are negotiated between you and the gym. Should you not qualify to be a Reality gym member, your gym fee will remain unchanged, but you will not qualify for a Reality gym reward benefit.

How to cancel your Reality Gym Benefits: Separate cancellation rules- and fees apply at Reality and the gyms. Members must cancel their membership separately at Reality and their gym.

• Cancel your Reality membership:
  • Contact Reality at 0860 732 548/9 and inform our agent that you wish to cancel your Reality membership
  • Cancel your gym membership:
  • • Contact your gym and inform the agent that you wish to cancel your gym membership.

• A one-calendar month notice period applies to members wishing to cancel their Reality gym membership, with fees payable in the notice month. rewards will still be paid if members qualify for payment according to the Reality rules.

• Members are bound by cancellation rules as applied by the gym which they joined which may include cancellation fees.

Reality may cancel your Reality Gym Benefits:

• Reality may cancel gym memberships if debit-order payments are rejected by a bank. No rewards will be payable to members in the event of bank payment rejections.
• Reality may cancel Reality gym memberships should the qualifying product requirements not be met.
• No rewards will be payable to members in the event of membership being cancelled by Reality.
• Members are bound by cancellation rules as applied by the gym which they joined.

Sickness and Travel rules on Reality Gym reward benefits:

• Members need to contact their gym for details on rules applied for freezing of membership.

Preventative Wellness Rewards:

Rules:

• RealityHealth Single- and Family HealthHealth option members only qualify for this benefit as incentive to take preventative measures to improve their health.
• Rewards are automatically awarded via the claims process at CAMAF and as received by Reality.
• Reality Partners are entitled to deny Benefits to Members, if the members account with Reality partners is in arrears. Reality will not be responsible for any:
• Delay in information submitted by the Reality Partners; or
• Reality Benefits denied by Reality Partners.
• Preventative Wellness Rewards are allocated to members in the form of eBucks.
• The following claims qualify for Preventative Wellness Benefits:
  

  Preventative Wellness Claim	eBucks Rewards
  Non smoker	250
  GP consultation	120
  Specialist consultation	120
  Dental consultation	120
  Optometry consultation	120
  Pap smear	200
  Mammogram	200
  Prostate	200
  Cholesterol	200
  Glucose Testing	200
  Flu Vaccination	200

  International Travel Benefit:
  International Travel Benefits are provided by Europ Assistance as agreed with Reality. Full terms and conditions as contained in the Europ Assistance Policy Document apply to members making use of this benefit.

  Who is covered by the International Travel Extention?

  • Members registered on the Reality Single- and Family Health options including dependents.
  • Members who are younger than 3 months or older than 80 years (from 81 years) are not covered. Members must either contact Europ Assistance, their travel agent or another travel insurance company to arrange cover for members that do not qualify for this insurance.

  Does the International Travel Extention cover travelling within South Africa?

  • Members are not covered by the International Travel Insurance if they travel within the borders of South Africa.
  • Members are covered if they travel outside the borders of South Africa i.e. any country where a passport is needed.

  Is a return airline ticket needed to be covered?
  A confirmed return ticket for travel back to South Africa is needed to receive this benefit.

  What members must do to ensure they are covered?

  • Members must contact Europ Assistance at least 72 hours before their intended date of departure and declare the trip to them.
  • The following information must be supplied to Europ Assistance on application for international travel insurance:
    • Reality membership number
    • CAMAF principal membership number
    • Name and Surname
    • Identity Number
    • Nationality and Country of Residence
    • Departure date from South Africa
    • Return date to South Africa
    • Final destination travelling to before returning to South Africa
  • Europ Assistance contact number: 0860 333 432

  What will happen if member do not declare trip to Europ Assistance?
  If members do not declare their trip to Europ Assistance at least 72 hours prior to departure they will not be covered by the International Travel Extention.

  Are members covered for the full duration of the trip?

  • The International Travel Extention only provides cover for trips up to 90 days (including the day member leaves South Africa and the day of return to South Africa)
  • Members who travel for longer periods than 90 days must ensure they are covered for the balance of the trip by either arranging additional travel cover with Europ Assistance or their travel agent.

  What are members covered for?
  Members are covered for emergency medical and related expenses outside South Africa:

  • Emergency treatment and accommodation
  • Transport for medical reasons
  • Pocket money for hospital stays and an amount for interrupting the holiday
  • Related expenses like a visit by family members etc.

  Where can members find out more detail about the International Travel Extention cover?

  • All details of cover are contained in the policy wording issued by Europ Assitance. Members need to ensure they receive a copy of the contract before their trip by contacting Europ Assistance. They also need to ensure that a copy of the contract is taken with when travelling.
  • The policy wording provides a schedule of benefits, maximum benefits payable, excesses and waiting periods applicable for every claim.

  Cover if member is on chronic medication or has a medical condition for the past 12 months?

  • Members qualify for cover should pre-existing medical conditions exist up until 70 years of age.
  • No cardiovascular pre-existing conditions are covered between 71 and 80 years.
  • The benefit is limited to a maximum of R250 000 and is only payable if the members is hospitalised as an in-patient for 48 hours or more.
  • Should members feel this cover is insufficient, they should either contact Europ Assistance or their travel agent for additional cover.
  • No claims will be payable should:
    • Members travel against the advice of their medical practitioner
    • Members travel abroad to obtain medical treatment

  What must members do in case of emergency?

  • In case of emergency members must contact Europ Assistance on +27 991 8600.
  • Should members not be able to contact Europ Assistance immediately due to the emergency, they must make contact as soon as possible.
  • Should members fail to contact Europ Assistance in a timely manner, claims will be limited to R2000.

  Do members have cover when participating in leisure activities and sports?

  • Cover exists for certain leisure and winter sports activities only. A detailed list is supplied in the policy document.
  • Should members plan to participate in activities not covered by the policy document, they need to contact Europ Assistance or their travel agent for proper cover
  • No cover apply if members take part in:
    • Any organised team or contact sport not listed in the policy wording under the “Leisure and winter sports activities” section on page 10 of the policy document
    • Any school sports
    • Any sport or competition as a professional player

  Instances when a member cannot claim or when claim will not be paid:

  • Certain instances exist where claims will not be paid
  • Full details of what is not covered by this insurance is available in the exclusions list of the policy document
  • Some exclusions apply to the entire policy document, referred to as general exclusions found on page 8 of the policy document
  • Certain exclusions are only applicable to particular sections of the policy document. These exclusions can be identified in a section for example “What is not covered under Section B4”

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  • LiquidRewards®

  These Terms & Conditions should be read in conjunction with the Terms of Use of the Sanlam website, www.sanlam.co.za and the Real Futures website, www.reality.co.za

  • Real Futures (Pty) Ltd (“Real Futures”) and Sanlam Liquid, and their respective directors, employees, and agents accept no responsibility, financial or otherwise, for:
    • the misuse of the Sanlam Liquid Debit Card
    • any personal loss or injury at participating merchants
    • discounts not received back as LiquidRewards cashback. If after a transaction at a participating partner the cash back has not been paid into the member’s Sanlam Liquid account the member must alert Sanlam Liquid within 6 months after the transaction. If the member wants to claim the cash back 6 months after transacting he/she will forfeit the cash back.
    • participating merchants declining acceptance of the Sanlam Liquid Debit Card for reasons of their own.
    • Real Futures, Sanlam Liquid, its directors, employees, agents and participating partner accept no responsibility for transactional terminals being out of order.
  • Entitlement to LiquidRewards is dependent on:
    • active Reality membership at the time of purchase
    • the Sanlam Liquid Debit Card being swiped, and payment made successfully, at the participating merchant for the purchase (that is, not payments by internet, debit order, or the like).
    • The Real Futures-website (www.reality.co.za) will at all times contain the updated list of participating merchants and can be changed at any time.
    • Payment of LiquidRewards cashback into clients’ Sanlam Liquid Debit Card Account will only be made after payments from the participating merchants have been received (can take up to 3 months).
    • LiquidRewards may in most instances only be applicable to participating merchants’ normal priced goods and services.
  • LiquidRewards are not applicable to:
    • cash withdrawals, either at ATMs or participating merchants
    • payments of third party accounts, fines, licenses, and the like at a participating merchant, and goods and services where the participating merchant merely acts as an agent for a third party (e.g. show and travel bookings).
    • Any goods purchased and returned after a period of 20 days of initial purchase date cannot be accommodated on the system and will be at the onus of each merchant.
    • Any returns not reflected on the system (i.e. a cash refund instead of on the terminal) is at the onus of the merchant and will not reflect on the statement.
    • The Real Furtures-website (www.reality.co.za) will at all times contain the updated terms and conditions and are subject to change at any time.

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  • Reality fees

  When you sign the application form to join Reality or when you give your verbal consent to join Reality on a voice-recorded phone call, you confirm that Reality is authorised to draw the fees due for your Reality membership against your bank account or roll-up your fee into your latest Sanlam Personal Finance premium as follows:

  • Reality membership: R35 per month (open to all Sanlam Group clients)
  • Reality + membership: R99 per month
  • Reality ++ membership: R99 per month
  • Reality + Gym membership: R169 per month
  • Reality ++ Gym membership: R169 per month
  • Health Single membership: R 97.15 per month
  • Health Family membership: R 115.50 per month

  You understand and confirm your acceptance that these authorised withdrawals are processed by computer through the ACB Magnetic Tape Service/Debit Order/Multidata system.

  You understand and confirm your acceptance that details of each withdrawal are printed on your bank statement or on an accompanying voucher.

  You agree to pay any bank charges relating to this ACB Magnetic Tape Service/Debit Order/Multidata instruction.

  You understand that the fee collection of the Reality amounts fees due takes place at the first available opportunity and then monthly thereafter.

  You understand agree that, if it is possible for Reality to consolidate these Reality amounts fees due with an existing monthly debit-order instruction in favour of a Sanlam Group company against the same bank account, it is authorised to do so.

  If you later cancel or change your monthly debit- order instruction with which the Reality debit -order instruction was consolidated, Reality is entitled, once again, to consolidate these Reality amounts due, if this is possible. If the consolidation of these Reality amounts fees due with an existing monthly debit order is not possible, these amounts are deducted via a separate monthly debit order.

  You may cancel this authority by giving Reality 30 (thirty) days’ notice, in writing, and you understand and accept that you are not entitled to any refund of amounts that Sanlam Life withdrew while this authority was in force, if such amounts were legally owing to the ProgrammeReality.

  You agree to advise Reality, in writing, of any changes that may occur in your banking details.

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  • User ID and password

  For security, identification, and verification purposes, you must enter your user ID and password each time that you log onto our website for appropriate activities when you use different aspects of Reality.

  Take care to keep your user ID and password secret: do not disclose these to any other person and do not keep them with your other Reality documents. Only you may use your user ID and password; you are responsible for all transactions carried out with your user ID and password.

  If you call our Reality call centre at 086 073 2548/9, we may ask you for certain information, such as your Reality user ID. However, there will never be any reason for anybody – not even our staff – to know your password. Do not, under any circumstances, provide your password to anyone.

  If you believe that your user ID and password have been lost, stolen, or compromised, contact our Reality call centre at 086 073 2548/9 immediately and ask for them to be deactivated. Any delay in your notifying us is regarded as either wilful intent or negligence on your part. Keep any reference number that our Reality call centre gives you as proof of the fact that you have notified us of your security risk. Until you contact us to deactivate your user ID and password, we are not responsible for any transactions performed without your knowledge or consent and we are not liable whatsoever for any loss that you may suffer as a result.

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  • RealityPoints and Reality card

  RealityPoints

  RealityPoints is no longer issued. However, a member with RealityPoints can still redeem their points on our Reality Awards online catalogue.

  Spending RealityPoints
  You can spend your RealityPoints in the following ways:

  • By visiting our online Reality catalogue available on our website and selecting any of the more than 5 000 items available.
  • By phoning our Reality call centre and instructing your Reality agent to buy any of the more than 5 000 items available on our Reality website on your behalf.

  Note that all RealityPoints in deleted member accounts are forfeited and transferred to the Reality trust account after 30 days.

  Shopping on our Reality website

  Reality has an online shopping catalogue located on its website where you can spend your RealityPoints, each point being worth 10c. The products on our website are subject to availability and vary from time to time; all the products and services on our website are detailed in the product description.

  The products advertised in our various Reality marketing material are limited to stock availability and we have no obligation to make any product that has been sold out available, even if it still appears in the marketing material.

  If a product becomes unavailable while you are buying it or after you have bought it and if it is not be possible for us to fulfil your order with a replacement product, we try towill inform you within 7 (seven) working days of the unavailability of the product that you have bought and we will refund the full purchase price that may have been withdrawn from your Reality account directly into your Reality account as soon as is reasonably possible.

  Topping up you RealityPoints account
  If you do not have enough RealityPoints in your Reality account to buy a particular product or service on our website, you can buy extra RealityPoints with rands. You can do this only, however, when you buy the product or service and not at any other time.

  If you cancel the purchase for which you bought your extra RealityPoints, we will refund you the product price – including your RealityPoints – in RealityPoints directly into your Reality account.

  Address for legal notices
  We use the address that you provide us when you join Reality as your domicilium citandi et executandi. This is the address to which we direct and send to you, whether by mail, telefax or delivery, and you confirm acceptance of all documentation of whatever nature.

  As our domicilium citandi et executandi, we choose the following address: 2 Strand Street, Bellville 7532.

  All notices and correspondence sent to you are deemed to be received by you, as the addressee, if: delivered by hand, on the date of delivery,; if sent by certified registered mail, 14 (fourteen) days after postage,; if sent by fax, on the date of transmission,; and, if sent by e-mail, on successful delivery.

  Delivery of products bought on our Reality website
  Any product that you buy from our Reality online catalogue is delivered only to a physical address chosen by you when you buy the product. Such a product excludes airtime, since this is automatically loaded onto your cell phone within 24 (twenty-four) hours. No product, excluding magazines, is delivered to a postal address; in the case of magazines, make sure that the delivery address is one where you receive delivery of post by the South African Postal ServicesOffice.

  The physical address chosen by you must be within the borders of the Republic of South Africa. We do not deliver to all areas in the Republic of South Africa and these areas are designated as restricted areas. We will phone you if your physical address falls in a restricted area.

  We are not responsible or liable for any loss, damage, or theft of a product that you buy if you have provided us with your physical home address and you have authorised a family member, friend, domestic worker, and/or security officer to accept delivery of the product.

  Pricing of products on our Reality website
  We reserve the right to change the selling price of any of or all our products from time to time without prior notification.

  Returns and refunds
  All returns and refunds are subject to our suppliers’ returns and refunds policies and to Reality’s terms and conditions. We therefore do not guarantee the replacement of returned products, as this is subject to our suppliers’ stock availability.

  You can return a product or ask for a refund only in the following circumstances:

  • If a product is damaged before it is delivered.
  • If a product is faulty when it is delivered.
  • If the incorrect product is delivered.

  No returns or refunds are accepted after 7 (seven) days of the delivery of a product.

  RealityPoints are not cash

  You cannot sell, issue, exchange, barter, or redeem RealityPoints for cash for any reason whatsoever.

  Tax on RealityPoints

  Consult your tax advisor on any tax issues pertaining to RealityPoints that you earn or spend through Reality.

  Using your Reality card

  Only you may use your Reality card and then only for identification purposes.

  You may have only one Reality card linked to your Reality account.

  Dormant status of your Reality account

  If you do not earn RealityPoints or spend RealityPoints in your Reality account for 6 (six) months, your account is considered dormant. We then deduct a dormancy administration fee from your Reality account every month to cover the costs of maintaining your account on our system until you either earn or spend RealityPoints or until your account reaches a zero balance, whichever comes first. We may then close your Reality account.

  Deceased estates

  The beneficiaries and/or executor of a deceased estate must notify Reality in the event of the death of a Reality member. All RealityPoints in Reality accounts belonging to deceased estates are frozen. The executor of a deceased estate can transfer the RealityPoints in such Reality accounts to another member’s Reality account or the personal Reality account is closed and the points are forfeited.

  Fraudulent activities

  We are committed to ensuring the security of your use of.

  We therefore reserve the right to investigate any loss suffered by you alleged to have occurred as a result of fraud via our Reality website or your Reality card.

  If you are a victim of fraud, inform us immediately as soon as you become aware that a fraudulent transaction has occurred on your Reality account and report the matter to your nearest police station. You will be required to cooperate both with us and with the police in any investigation conducted into any loss that you may suffer. We investigate all reported cases of Reality fraud and, provided that you comply with the safety measures listed in our security policy, we may reimburse you after the investigation and prosecution for any loss that you may suffer because of fraud that has occurred via our Reality website or your Reality card.

  Charges to your Reality account

  Note that, when you complete the registration form, you authorise us to make the following withdrawals from your Reality account:

  • The value, in RealityPoints, of any amount that may be due by you to us.
  • Dormancy administration fees on all dormant Reality accounts as from the sixth month of dormancy.
  • The value, in RealityPoints, of any amount that you may have obtained as a result of fraud or misconduct or that we did not intend to accrue to you.

  Lost, stolen, or damaged Reality cards

  If your Reality card is lost, stolen or damaged, it is your responsibility to cancel your Reality card immediately either online on our Reality website or by calling our Reality call centre at 086 073 2548/9.

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  • Welcome packs

  It may take up to four weeks before members receive their welcome packs, as this depends on the postage system. Your welcome pack will include your Reality card and Reality Programme book.

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  • Contact details

  Reality uses the contact details provided by you to communicate with you.
  It is your responsibility to make sure that your contact details at Reality are current and valid. Reality takes no responsibility for any loss to you because of your contact details not being current or valid.

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  • Competitions, promotions, and new services
  • As a Reality member, you can enter our competitions as many times as you like via sms and only once via e-mail per competition.
  • The judges’ decisions on all competitions are final.
  • Reality is not responsible for any fulfilment, inquiry, or health-related problem resulting either directly or indirectly from winning or using a prize or for any other claim related to a prize sponsored by a preferred partner or for any claim whatsoever.
  • Specific terms and conditions apply to certain prizes.
  • Prizes can differ from their images.
  • Once a winner has been selected and there is difficulty in contacting the winner, Reality will take seven days to come into contact with her or him. If after day seven days the selected winner still cannot be reached, Reality has the right to select another winner in the place of the previous winner.
  • No late correspondence is entered into and no late entries are allowed.
  • From time to time, we may run competitions and promotions and offer you various new services; since these competitions, promotions and new services differ over time, Reality terms and conditions are updated on the website as and when necessary.
  • By entering this competition entrants agree to be bound by the terms and conditions of these rules.
  • The winner/s will be drawn through a random selection process.
  • The prize cannot be transferred or exchanged for its cash value.
  • The prize excludes any other expenses incurred by the winning participant when participating in this promotion.
  • Winners consent to their name, image and likeness being used and published by Reality in connection with this competition, in Reality’s sole and absolute discretion.
  • Winners also acknowledge that they shall have no claim against Real Futures (Pty) Ltd for usage in this regard.
  • The competition is only open to persons residing in South Africa.
  • Reality reserve the right to withhold any prize until it is entirely satisfied that the claimant of the prize is the bona fide winner, and reserves the right to call for such proof as it may deem necessary.
  • Prizes not claimed within 60 days shall be subject to a new draw, and may be dealt with by Reality in any manner it deems fit.

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• • facebook competitions
• Family Holiday Photo competition terms and conditions:One fan can win an iPod and an iPad valued at R9 350.A fan may enter as many photos as they like.The photo with the most votes will win.Photos must be family related.Competition ends 31 January 2013.Rules: The prizes are not transferable, nor can they be converted into cash.By entering this competition entrants agree to be bound by the terms and conditions of these rules. 

  The judges’ decisions are final.

   

  Reality is not responsible for any fulfillment, inquiry, or health-related problem resulting either directly or indirectly from winning or using a prize or for any other claim related to a prize sponsored by a preferred partner or for any claim whatsoever.

   

  Prizes can differ from their images.

   

  Reality reserves the right to remove any offensive photos posted by fans.

   

  Once a winner has been selected and there is difficulty in contacting the winner, Reality will take five working days to come into contact with her or him. If after day five the selected winner still cannot be reached, Reality has the right to select another winner in the place of the previous winner.

   

  No late correspondence is entered into and no late entries are allowed.

   

  The prize excludes any other expenses incurred by the winning participant when participating in this promotion.

   

  Winners consent to their name, image and likeness being used and published by Reality in connection with this competition, in Reality’s sole and absolute discretion.

   

  Winners also acknowledge that they shall have no claim against Real Futures (Pty) Ltd for usage in this regard.

   

  The competition is only open to persons residing in South Africa.

   

  Reality reserve the right to withhold any prize until it is entirely satisfied that the claimant of the prize is the bona fide winner, and reserves the right to call for such proof as it may deem necessary.

   

  Prizes not claimed or booked within one calendar month shall be forfeited and may be dealt with by Reality in any manner it deems fit.

   

  From time to time, we may run competitions and promotions and offer you various new services; since these competitions, promotions and new services differ over time, Reality terms and conditions are updated on the website as and when necessary.

   

   

• Summer Magazine cover competition terms and conditions:

One fan can win an iPod and earphones valued at R2 350.

Competition ends 1 November 2012.

By voting (by clicking in the ‘Submit’ button) a fan is automatically entered into the competition.

Rules:

The prizes are not transferable, nor can they be converted into cash.

By entering this competition entrants agree to be bound by the terms and conditions of these rules.

The judges’ decisions are final.

Reality is not responsible for any fulfillment, inquiry, or health-related problem resulting either directly or indirectly from winning or using a prize or for any other claim related to a prize sponsored by a preferred partner or for any claim whatsoever.

Prizes can differ from their images.

Once a winner has been selected and there is difficulty in contacting the winner, Reality will take five working days to come into contact with her or him. If after day five the selected winner still cannot be reached, Reality has the right to select another winner in the place of the previous winner.

No late correspondence is entered into and no late entries are allowed.

The prize excludes any other expenses incurred by the winning participant when participating in this promotion.

Winners consent to their name, image and likeness being used and published by Reality in connection with this competition, in Reality’s sole and absolute discretion.

Winners also acknowledge that they shall have no claim against Real Futures (Pty) Ltd for usage in this regard.

The competition is only open to persons residing in South Africa.

Reality reserve the right to withhold any prize until it is entirely satisfied that the claimant of the prize is the bona fide winner, and reserves the right to call for such proof as it may deem necessary.

Prizes not claimed or booked within one calendar month shall be forfeited and may be dealt with by Reality in any manner it deems fit.

From time to time, we may run competitions and promotions and offer you various new services; since these competitions, promotions and new services differ over time, Reality terms and conditions are updated on the website as and when necessary.

 

• The Rugby Championship competition terms and conditions:A. Prize includes:2 x tickets to watch South Africa vs. New Zealand on 6 October 2012 at Soccer City, Soweto.B. Prize excludes:Transport / flights to JohannesburgTransport to Soccer City, SowetoAccommodationSpending moneyRules: A fan with the correct or closest predicted score to the final game score will be entered into a lucky draw.A winner will be chosen based on a lucky draw.All terms and conditions as set out by Computicket applies.Tickets cannot be exchanged for cash.Tickets cannot be swopped for another match.By entering this competition entrants agree to be bound by the terms and conditions of these rules.All facebook competitions can only be entered once.Facebook competition entries must be done via our third party application.Entries on our wall will not be considered.The judges’ decisions on all competitions are final.The competition is only open to persons residing in South Africa.Reality is not responsible for any fulfillment, inquiry, or health-related problem resulting either directly or indirectly from winning or using a prize or for any other claim related to a prize sponsored by a preferred partner or for any claim whatsoever.Images are purely for illustrative purposes.Once a winner has been selected and there is difficulty in contacting the winner, Reality will take five working days to come into contact with her or him. If after day five the selected winner still cannot be reached, Reality has the right to select another winner in the place of the previous winner.No late correspondence is entered into and no late entries are allowed.The competition runs from 21 August 2012 and closes at 23h59 on 15 September 2012 and winners will be contacted via telephone and / or e-mail.The prize excludes any other expenses incurred by the winning participant when participating in this promotion.

  Winners consent to their name, image and likeness being used and published by Reality in connection with this competition, in Reality’s sole and absolute discretion.

  Winners also acknowledge that they shall have no claim against Real Futures (Pty) Ltd for usage in this regard.

  Reality reserve the right to withhold any prize until it is entirely satisfied that the claimant of the prize is the bona fide winner, and reserves the right to call for such proof as it may deem necessary.

  From time to time, we may run competitions and promotions and offer you various new services; since these competitions, promotions and new services differ over time, Reality terms and conditions are updated on the website as and when necessary.

• Seychelles competition terms and conditions:

A. Prize includes:

Return flights between Johannesburg to Seychelles including airport taxes for 2 people. Travel arrangements to get to OR Tambo Johannesburg are for own account.

Return airport to hotel transfers.

6-9 Nights’ accommodation including breakfast daily for 2 people. The amount of nights will be confirmed upon booking and will be dependent on season and accommodation choice.

Land and water sports as featured by the resort.

B. Prize excludes:

Passport costs.

Items of personal nature.

Spending money.

Unspecified meals and drinks (e.g. lunch and dinner).

Transport to OR Thambo Johannesburg airport before departure.

Transport from OR Thambo Johannesburg airport after prize redemption.

Anything not mentioned under the inclusions.

C. Rules:

 

The winner can customize the Seychelles prize up to the value of R20 000.

By entering this competition entrants agree to be bound by the terms and conditions of these rules.

All facebook competitions can only be entered once.

Facebook competition entries must be done via our competition application available only when using a laptop or a PC.

Entries on our wall will not be considered.

The judges’ decisions on all competitions are final.

The competition is only open to persons residing in South Africa.

Reality is not responsible for any fulfillment, inquiry, or health-related problem resulting either directly or indirectly from winning or using a prize or for any other claim related to a prize sponsored by a preferred partner or for any claim whatsoever.

Images are purely for illustrative purposes.

Once a winner has been selected and there is difficulty in contacting the winner, Reality will take five working days to come into contact with her or him. If after day five the selected winner still cannot be reached, Reality has the right to select another winner in the place of the previous winner.

No late correspondence is entered into and no late entries are allowed.

The competition runs from 14 June 2012 and closes at 23h59 on 30 July 2012 and winners will be contacted via telephone and / or in writing via e-mail.

The prize cannot be transferred or exchanged for its cash value.

The prize excludes any other expenses incurred by the winning participant when participating in this promotion.

Winners consent to their name, image and likeness being used and published by Reality in connection with this competition, in Reality’s sole and absolute discretion.

Winners also acknowledge that they shall have no claim against Real Futures (Pty) Ltd for usage in this regard.

Reality reserve the right to withhold any prize until it is entirely satisfied that the claimant of the prize is the bona fide winner, and reserves the right to call for such proof as it may deem necessary.

Prizes not claimed or booked within 3 calendar months shall be forfeited and may be dealt with by Reality in any manner it deems fit.

The prize must be redeemed within specific time frames as indicated by the Reality travel department.

From time to time, we may run competitions and promotions and offer you various new services; since these competitions, promotions and new services differ over time, Reality terms and conditions are updated on the website as and when necessary.

• Roxette competition Terms and Conditions:A. Prize includes:2 tickets to watch Roxette brought to you by Big Concerts, live in concert in either:
  • Johannesburg – The Coca-Cola Dome on 3 June 2012 at 19:00
  • Durban – ICC Durban Arena on 5 June 2012 at 20:00 OR
  • Cape Town – Grand Arena, GrandWest on 8 June 2012 at 20:00
  • Prize will be delivered to winner via courier service.

  B.Prize excludes:

  • Spending money for the show
  • Travel to and from the Johannesburg, Durban or Cape Town Roxette shows.
  • Any Roxette marketing material such as t-shirts, posters etc.
• C. Rules:
  • All Computicket rules that are printed at the back of the tickets are valid.
  • By entering this competition entrants agree to be bound by the terms and conditions of these rules.
  • All facebook competitions can only be entered once.
  • Facebook competition entries must be done via our third party applications.
  • The facebook competition cannot be entered via a mobile phone.
  • Entries on our wall will not be considered.
  • The judges’ decisions on all competitions are final.
  • Reality is not responsible for any fulfillment, inquiry, or health-related problem resulting either directly or indirectly from winning or using a prize or for any other claim related to a prize sponsored by a preferred partner or for any claim whatsoever.
  • Prizes can differ from their images.
  • Once a winner has been selected and there is difficulty in contacting the winner, Reality will take seven days to come into contact with her or him. If after day seven the selected winner still cannot be reached, Reality has the right to select another winner in the place of the previous winner.
  • No late correspondence is entered into and no late entries are allowed.
  • The competition runs from 16 March 2012 and closes at 23h59 on 25 May 2012.
  • Winners will be contacted via telephone or sms.
  • Once winners have been notified their names will be posted on Facebook.
  • The prize cannot be transferred or exchanged for its cash value.
  • The prize excludes any other expenses incurred by the winning participant when participating in this promotion.
  • Winners consent to their name, image and likeness being used and published by Reality in connection with this competition, in Reality’s sole and absolute discretion.
  • Winners also acknowledge that they shall have no claim against Real Futures (Pty) Ltd for usage in this regard.
  • The competition is only open to persons residing in South Africa over the age of 18.
  • Reality reserve the right to withhold any prize until it is entirely satisfied that the claimant of the prize is the bona fide winner, and reserves the right to call for such proof as it may deem necessary.
  • Prizes not claimed or booked within one calendar month shall be forfeited and may be dealt with by Reality in any manner it deems fit.
  • From time to time, we may run competitions and promotions and offer you various new services; since these competitions, promotions and new services differ over time, Reality terms and conditions are updated on the website as and when necessary.

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Healthy Living competition terms and Conditions:
Win a GetSmarter photography course valued at R7 500, a Kalahari gift voucher worth R2 500, and your photo could be published on the cover of our Reality magazine.
The theme is Wellness. So whether it’s a picture of you mountain biking, swimming or picnicking with your friends or family we’d like to see it.

Phase 1:

• This is the photo submission phase and runs from 5 December 2011 to 13 January 2012.
• The photo(s) submitted must be the applicants own and must have been captured by the applicant.
• An applicant may submit up to 10 photos.
• Images are judged on their technical and artistic merits.
• The photo(s) must be submitted via our third party application on the competition tab under the profile picture.
• Photo entries on our wall will not be considered.

Phase 2:

• The judges will choose a shortlist of finalists that will be displayed in the ‘finalist’ album in the photography competition app. Facebook fans vote for their favourite photo to win by clicking on ‘Submit’.
• The top 5 photos as selected by the Reality panel of judges will be posted on 18 January 2012.
• This phase will run from 18 January to 31 January 2012.
• A fan can vote for one photo per day.
• By voting (by clicking in the ‘Submit’ button) a fan is automatically entered into the competition to win double tickets for two pamper treatments.
• The free pamper voucher entitles the winner to a free pamper treatment for him/her and a friend as offered by the selected salon.
• The nature of the free treatments varies from venue to venue. The treatments offered are as stipulated by the individual salon/therapist and are non-negotible.
• The voucher can only be used once and allows for only one pamper treatment to be redeemed per person.
• All extra customers will be required to pay the full price per treatment, and all future booking will be charged at the full price.
• Winners of the double pamper treatments will be announced on a daily basis via e-mail between 18 January to 31 January 2012.

Rules:

• The magazine cover winner will be announced on facebook on 10 February 2012.
• The prizes are not transferable, nor can they be converted into cash.
• By entering this competition entrants agree to be bound by the terms and conditions of these rules.
• The judges’ decisions are final.
• Reality is not responsible for any fulfillment, inquiry, or health-related problem resulting either directly or indirectly from winning or using a prize or for any other claim related to a prize sponsored by a preferred partner or for any claim whatsoever.
• Prizes can differ from their images.
• Once a winner has been selected and there is difficulty in contacting the winner, Reality will take five working days to come into contact with her or him. If after day five the selected winner still cannot be reached, Reality has the right to select another winner in the place of the previous winner.
• No late correspondence is entered into and no late entries are allowed.
• The competition runs from 5 December 2011 and closes at 23h59 on 30 January 2012 and winners will be contacted via telephone or sms.
• The prize excludes any other expenses incurred by the winning participant when participating in this promotion.
• Winners consent to their name, image and likeness being used and published by Reality in connection with this competition, in Reality’s sole and absolute discretion.
• Winners also acknowledge that they shall have no claim against Real Futures (Pty) Ltd for usage in this regard.
• The competition is only open to persons residing in South Africa.
• Reality reserve the right to withhold any prize until it is entirely satisfied that the claimant of the prize is the bona fide winner, and reserves the right to call for such proof as it may deem necessary.
• Prizes not claimed or booked within one calendar month shall be forfeited and may be dealt with by Reality in any manner it deems fit.
• From time to time, we may run competitions and promotions and offer you various new services; since these competitions, promotions and new services differ over time, Reality terms and conditions are updated on the website as and when necessary.

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Sanlam Liquid Debit Card account competition terms and conditions:

A. Prize includes:

• Sanlam Liquid Debit Card account with R15 000 pre-loaded into the account.
• The debit card is a Visa debit card issued by BidVest Bank Limited.
• If you already have a Sanlam Liquid Debit Card account then the R15 000 will be paid into the existing account and a new Sanlam Liquid debit card will not be issued to you.

B.Rules:

• By entering this competition entrants agree to be bound by the terms and conditions of these rules.
• It’s the winner’s own responsibility to declare the R15 000 with their annual tax returns.
• The winner must present valid FICA documentation upon delivery of the Sanlam Liquid Debit Card by courier service.
• The normal ongoing Sanlam Liquid Debit Card fee structure apply to the prize.
• For the full Sanlam Liquid terms and conditions and fee structure click here.
• All facebook competitions can only be entered once.
• Facebook competition entries must be done via our third party applications.
• Entries on our wall will not be considered.
• The judges’ decisions on all competitions are final.
• Reality is not responsible for any fulfillment, inquiry, or health-related problem resulting either directly or indirectly from winning or using a prize or for any other claim related to a prize sponsored by a preferred partner or for any claim whatsoever.
• Prizes can differ from their images.
• Once a winner has been selected and there is difficulty in contacting the winner, Reality will take three working days to come into contact with her or him. If after three working days the selected winner still cannot be reached, Reality has the right to select another winner in the place of the previous winner.
• No late correspondence is entered into and no late entries are allowed.
• The competition runs from 10 October 2011 and closes at 23h59 on 31 October 2011 and winners will be contacted via telephone or sms.
• The prize cannot be transferred or exchanged for its cash value.
• The prize excludes any other expenses incurred by the winning participant when participating in this promotion.
• Winners consent to their name, image and likeness being used and published by Reality in connection with this competition, in Reality’s sole and absolute discretion.
• Winners also acknowledge that they shall have no claim against Real Futures (Pty) Ltd and Sanlam Life (Pty) Ltd for usage in this regard.
• The competition is only open to persons residing in South Africa.
• Reality reserve the right to withhold any prize until it is entirely satisfied that the claimant of the prize is the bona fide winner, and reserves the right to call for such proof as it may deem necessary.

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Coldplay and iPad competition terms and conditions:

A. Prize includes:

• Cape Town1x iPad 1, 32 GB 3G Wi-Fi & One double ticket to watch Coldplay live at the Cape Town stadium, Cape Town on Wednesday 5 October 2011. Prize will be delivered to winner via courier.
• Johannesburg 1x iPad 1, 32 GB 3G Wi-Fi & One double ticket to watch Coldplay at the FNB Stadium, Johannesburg and Reef on Saturday 8 October 2011 . Prize will be delivered to winner via courier.

B.Prize excludes:

• Spending money for the show
• Travel to and from the Johannesburg or Cape Town Coldplay shows.
• Any Coldplay marketing material such as t-shirts, posters etc.

C.Rules:

• All Computicket rules that are printed at the back of the tickets are valid.
• By entering this competition entrants agree to be bound by the terms and conditions of these rules.
• All facebook competitions can only be entered once.
• Facebook competition entries must be done via our third party applications.
• The facebook competition cannot be entered via a mobile phone.
• Entries on our wall will not be considered.
• The judges’ decisions on all competitions are final.
• Reality is not responsible for any fulfillment, inquiry, or health-related problem resulting either directly or indirectly from winning or using a prize or for any other claim related to a prize sponsored by a preferred partner or for any claim whatsoever.
• Prizes can differ from their images.
• Once a winner has been selected and there is difficulty in contacting the winner, Reality will take seven days to come into contact with her or him. If after day seven the selected winner still cannot be reached, Reality has the right to select another winner in the place of the previous winner.
• No late correspondence is entered into and no late entries are allowed.
• The competition runs from 1 September 2011 and closes at 23h59 on 30 September 2011 and winners will be contacted via telephone or sms. And then only will winners be posted on Face book.
• The prize cannot be transferred or exchanged for its cash value.
• The prize excludes any other expenses incurred by the winning participant when participating in this promotion.
• Winners consent to their name, image and likeness being used and published by Reality in connection with this competition, in Reality’s sole and absolute discretion.
• Winners also acknowledge that they shall have no claim against Real Futures (Pty) Ltd for usage in this regard.
• The competition is only open to persons residing in South Africa over the age of 18.
• Reality reserve the right to withhold any prize until it is entirely satisfied that the claimant of the prize is the bona fide winner, and reserves the right to call for such proof as it may deem necessary.
• Prizes not claimed or booked within one calendar month shall be forfeited and may be dealt with by Reality in any manner it deems fit.
• From time to time, we may run competitions and promotions and offer you various new services; since these competitions, promotions and new services differ over time, Reality terms and conditions are updated on the website as and when necessary.

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• Ending your participation in Reality

We may end your participation in Reality at any time, for any reason whatsoever, on notice to you. If we end your participation in Reality, we will not be liable for any damage or loss, of any nature, suffered by you or any third party.

You may end your participation in Reality on 30 (thirty) days’ prior notice to us via fax (021 700 8750), e-mail (info@reality.co.za), phone (086 073 2548/9), or letter. This means that you will still be liable for one month’s premium.

Benefits available through Reality are no longer available to you on the termination of your membership of Reality.

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• Privacy policy and Security

You hereby give consent that your member information may be shared directly or through a data base operation with partners or suppliers of Reality. Sharing of Information can be in such a detailed, abbreviated, or coded form as may from time to time be decided by Reality or by the operators. Sharing of data is for the purpose of providing the Reality service and/or benefits for to members. This includes sending and/or receiving member data to and from partners and suppliers.

When you call our Reality call centre at 086 073 2548/9, you allow us to record your call may be recorded for security reasons, client care, and compliance with various laws. We do, however, respect your privacy and your personal information. We therefore take all reasonable precaution, in accordance with our privacy policy, to protect your personal information and to keep it confidential, even when you are no longer a member of Reality.

Information transmitted via the internet or other networks, whether wireless or otherwise, may be subject to interception. We therefore take all reasonable precaution to ensure that your use of Reality is secure but we are not liable for any loss or damage that you may suffer because of your using Reality.

If you want to prevent others from reading e-mails that we send you, you should set up your own password protection on your system at home or work.

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• Our Reality website

Our Reality website may be unavailable from time to time because of routine maintenance or emergency repairs or because of the unavailability of electricity, telecommunications systems, or networks.

Sanlam Reality is not responsible or liable for any loss or damage suffered or incurred because of the unavailability of the Reality website.

For your convenience, our Reality website contains links to the websites of other parties (third-party websites). By making these hyperlinks available, we neither endorse nor recommend any of these third-party websites or their content, the products or services that they offer, or the owners of these third-party websites. It is your responsibility to make sure that you obtain all information relevant to making a decision and that you read the privacy and security policies on such third-party websites. We are not liable for any loss or damage that you may suffer, whether directly or indirectly, because of your use of these third-party websites.

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• No representations or warranties and liabilities

While we make every effort to update the information on our Reality website on a regular basis, we make no representations or warranties, whether express or implied, as to the accuracy, completeness or reliability of the information on any of our website pages and we are not bound, in any manner, by such information.

We reserve the right to change or discontinue an aspect, feature or service offered on our Reality website at any time and without notice.

Modification, suspension or termination of Reality
We may change, suspend, or discontinue Reality at any time at our sole discretion. We will, however, notify you of this within a reasonable time of these changes being made.

Nature and purpose of information provided by Reality
Note that, unless expressly stated in writing, no information provided by Reality is or is intended to be advice of any nature, whether financial or legal. No information provided by Reality replaces or relieves you of the need to seek and obtain the services of a professional financial, legal, or other professional advisor, nor is it intended to do so.

No warranties
None of these Reality terms and conditions can be waived, amended, added to, or deleted, unless such waiver, amendment, addition, or deletion is put in writing and is signed by both parties. No party is bound by any express or implied term, representation, warranty, promise or the like not recorded therein, whether it induced the agreement and/or whether it was negligent or not.

Limitation of liability
Our sole and total liability to you or any third party, including your dependants, for any loss or damage, no matter how this arises, does not, under any circumstances, exceed the value of the RealityPoints that you have in credit in your personal Reality account, provided that you comply with all our Reality terms and conditions.

We are not liable to you or any third party for any loss, death, disability, injury, or damage suffered by you or any third party, including your dependants, arising out of, in connection with, as a result of, or related to your use of the services or products of any Reality partner. You agree and confirm your acceptance that any claim, of whatever nature, is instituted only against the partner concerned.

You hereby indemnify us and keep our employees indemnified against all actions, proceedings, costs, damages, expenses, penalties, claims, demands, and liabilities of any kind arising directly from death, disability, injury or damage suffered by your dependant’s participation in Reality, as contemplated in these Reality terms and conditions.

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• Law governing our relationship

These Reality terms and conditions are subject to the laws of the Republic of South Africa.

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• Other

If any of these Reality terms and conditions are held to be invalid, unlawful or unenforceable for whatever reason, such Reality terms and conditions are severable from the remaining Reality terms and conditions, which continue to be valid and enforceable.

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• Amendments to these terms and conditions

We may amend these Reality terms and conditions from time to time. Such amended Reality terms and conditions will be available on our website and will be posted or faxed to you on request. We are entitled to assume that you agree to be bound to an amended version of the terms and conditions.If the amendments are unacceptable to you, you may cancel your Reality membership within 7 (seven) days from having received notice of such amendments.

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• Movies, Dining and DVDs Benefits
• The Reality benefits entitles the member to Movie, Dining and DVDs benefits.
• The DVDs benefit allows a member to buy 2 DVDs for R99. The price includes registered postage.
• The Dining benefit entitles the member to one free main meal; the cheaper of the 2 main meals will be for free, to a maximum value of R120. The free main meal will be the cheaper meal. Buffet meals are excluded from this R120 offer. All additional courses and drinks will be paid for at full price.Payment needs to be made at the restaurant.
• Reality member calls 0860 732 548/9 and selects the Reality Benefits option and then option 1 on the menu to make a booking. All bookings must be made using the “Personal Assistant Booking Service”. (This is essential and a pre-requisite for offer redemption). The booking must be made during office hours 8:30 – 17:00 Monday to Friday.
• Travel to and from the venue is for the member’s own expense.
• The Reality number must be quoted each time you call Reality on 0860 732 548/9 to make a booking.
• The Reality comprehensive offer is based on standard prices and may not be negotiated.
• The offer is subject to promotional availability. Participating venues reserve the right to vary times and offer availability (e.g. Public holidays).
• Cancellations of bookings must be made telephonically at 0860 732 548/9 unless outside of office hours when the onus is on the member to cancel the booking at the venue booked. Cancellation must be made 24 hours in advance.
• These offers are not exchangeable for cash or for sale.
• Participating venues are all contracted to participate in the offer. Real Futures (Pty) Ltd, its agents and distributors cannot be held responsible for any subsequently declining acceptance of the booking for reasons of their own.
• Real Futures (Pty) Ltd, its agents and distributors accept no responsibility, financial or otherwise, for the misuse of the benefits and are not liable for any personal loss or injury at featured venues.
• Bookings across benefits are not allowed. E.g. you cannot buy a DVD and get a Movie code for free.
• The Dining benefit can only be used once per day at the same time and is valid dependent on active Reality membership.
• Bookings need to occur 2 working days prior to the booking time and date.
• Details of the participating restaurants will be on our reality website. Reality member calls 0860 732 548/9, selects the benefit option on the menu and is transferred through to a call centre agent for assistance. All bookings need to be made through the call centre (This is essential and a pre-requisite for offer redemption). The booking must be made during office hours 8:30 – 17:00 Monday to Friday.
• Details of the participating salons will be on our Reality website. Reality member calls 0860 732 548/9, selects the Benefit option on the menu and is transferred through to a call centre agent for assistance. All bookings need to be made through the call centre (This is essential and a pre-requisite for offer redemption). The booking must be made during office hours 8:30 – 17:00 Monday to Friday.
• The Reality number must be quoted each time you call Reality on 0860 732 548/9 to make a booking.
• The Dining offer benefit is based on standard prices and may only apply to a specific set menu, depending on the selected restaurant.
• Cancellations of bookings must be made telephonically at 0860 732 548/9 unless outside of office hours when the onus is on the member to cancel the booking at the restaurant booked.
• The Movie benefit allows a member to buy a movie code for R30 and get another one free.
• The movie codes can only be used at Nu Metro cinemas nationwide.
• Reality members on any option (this includes Reality standard, Reality+, Reality++, Reality+ Gym, Reality++ Gym, Reality Health Family and Reality Health Single) are entitled to buy 2D movie codes.
• A Reality member not on the Reality + or Reality Health options does not have the right to book a 3D movie.
• Movie codes cannot be used for 4D movies.
• The maximum amount of movie codes you may purchase are 4 per day. This entitles you to 8 movie codes.
• A maximum of 10 movie codes may be purchased for the month. This entitles you to 20 movie codes.
• Movie codes are valid for 3 years from date of purchase.
• This movie code does not guarantee you a seat for a specific movie. Movies are to be booked by the individual at the theatre of your choice, subject to availability.
• Movie codes bought on this website will be sms’d to your cell phone shortly after purchase. Should there be a system failure on the weekend; the codes will take 48hrs to deliver.
• DVDs may be returned only when defective, damaged or if the product supplied is not the same product as what was ordered. If the DVDs are defective in any way this must be reported as soon as reasonably possible after the product having been delivered to you and must be returned to us at 5th Floor Elkay House, 186 Loop Street, Cape Town, 8001 within a period of two weeks after delivery. If the DVDs are not the same as what was ordered this must be reported within 48 hours of delivery. Any damage must also be immediately reported, within 48 hours of delivery.
• If you are returning DVDs via post office please package it carefully so that it does not become damaged en route. Please include your return address. You will be refunded for the postage costs.
• On receipt DVDs will be inspected and if found to indeed be defective the member will be entitled to have the product replaced.
• If a returned DVD is found to not be defective, member will be liable for the costs incurred in having such product returned back to the member.
• There is no returns policy on the basis of a member changing their choice once order has been placed on this, the Sanlam Reality website.

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