Compliance, Integrity & Fraud Prevention

Why PSP participation is verified, what counts as fraudulent participation, the content-conduct rule, and the consequences of false claims or artificial engagement.

The plan only works if participation and evidence are genuine. Every post is approved by Car4Less before it is released, Car4Less verifies social-media activity and Shop & Save till slips, and the Terms & Conditions provide for rejection of claims, loss of eligibility or further action where false evidence, duplicate claims, artificial engagement or misrepresentation are found.

These FAQs explain why verification is necessary, what counts as fraudulent participation and what the content-conduct rule prohibits, so honest participants know exactly where the lines are. Genuine participation is all the plan asks for, and genuine positive content about your own experience is encouraged.

Read this first

The fundamental PSP principle

Meet the Payment Saver Plan's qualifying requirements, remain subject to the plan's terms and conditions and Car4Less's final determination, and you may receive an ex gratia payment of up to R3 000 a month, which effectively reduces your monthly vehicle instalment.

Guaranteed funding. Conditional participation. Discretionary payment. The R3 000 funding provision is guaranteed by Car4Less's performance guarantee, a contingency policy that Car4Less holds with its underwriters, according to its policy terms. Your cash-back is conditional on your participation and discretionary: Car4Less makes the final ex gratia decision. Guaranteed funding does not mean automatic cash-back. You pay no premium, are not a party to the policy and have no claim under it, and the Payment Saver Plan itself is most definitely not a policy.

The qualifying requirements must be met in full: three approved posts a day on each platform — Facebook, Instagram, TikTok, YouTube and LinkedIn — every day of the week, using approved Car4Less content; joining the prescribed groups; and completing the Shop & Save verified-shopping requirements. Every post is submitted to Car4Less for approval before it is released, and only approved, published posts count. You do not have to produce, demonstrate or be credited with a vehicle sale resulting from your posts, shares or shopping.

“Ex gratia” means a voluntary payment by Car4Less, not one arising from a contractual or legal obligation. Car4Less decides, in its sole discretion, whether to pay or not to pay, and the participant has no recourse. The PSP cost, which differs from deal to deal as determined by Car4Less, is incorporated into the vehicle's financeable retail price, and your instalment continues to be paid by debit order to the bank in the usual way. Any cash-back is paid into your Mastercard rewards card.

The plan comes with the Programme Car: a brand-new car at the Car4Less price plus the plan, set out in a separate offer to purchase, financed exclusively through the Car4Less finance application and submitted to the major banks. Cash purchases are not permitted and private finance is not accepted. Over a full finance term, what you could potentially receive back far exceeds the cost of the plan.

Compliance, Integrity & Fraud Prevention — questions

The questions people ask about compliance, integrity & fraud prevention, answered plainly.

Why does Car4Less verify PSP participation?

Verification establishes that the qualifying activities actually happened: that approved content was posted and shared as prescribed, that you joined the prescribed groups and that Shop & Save purchases are supported by genuine till slips. It keeps the plan fair for every participant.

What is fraudulent PSP participation?

Fraudulent participation includes false claims, manipulated or fabricated evidence, fabricated transactions, misrepresentation and any other conduct prohibited by the PSP Terms & Conditions or applicable law. Such conduct is a breach of the Terms & Conditions and may lead to loss of eligibility.

What happens if someone provides false information or claims twice?

The PSP Terms & Conditions may provide for rejection of the claim, withdrawal of eligibility or other appropriate action. Duplicate claims for the same qualifying activity do not create additional entitlements and may be rejected in accordance with the PSP rules.

Can artificial social-media engagement qualify?

No. Artificial, manipulated or otherwise non-genuine activity should not be assumed to satisfy the PSP participation requirements, and it may be treated as a breach of the Terms & Conditions. Only genuine participation, completed as prescribed, counts.

What content-conduct rule applies to participants?

Participants may not create or publish defamatory, deliberately misleading or maliciously negative content about Car4Less, its people, products or services. A deliberate breach disqualifies the participant from any further PSP benefits for the remainder of their vehicle agreement. Genuine positive content about your own experience is encouraged.

Why does Car4Less approve every post before it is published?

So that nothing defamatory, incorrect or misleading goes out under the Car4Less name. Each post is submitted to Car4Less for approval before it is published (by email for now), only approved content is released, and only approved, published posts count towards the requirement of three posts a day on each platform.

The Car4Less Payment Saver Plan (PSP) is a non-insurance product and most definitely not a policy: you buy no policy, hold no policy and pay no premium. It is not an investment, bank deposit, interest-bearing product, dividend programme or a programme that promises income, and it does not change your finance agreement with the bank. Finance for a Programme Car is arranged exclusively through the Car4Less finance application; cash purchases are not permitted and private finance is not accepted. Any payment referred to in connection with the PSP is an ex gratia payment of up to R3 000 a month, made subject to the written Payment Saver Plan agreement, the current PSP Terms & Conditions and the final determination of Car4Less in its sole discretion; the participant has no recourse. Any cash-back is paid into the participant's Mastercard rewards card, issued and administered by a regulated provider. Examples are provided for explanatory purposes only and do not create or extend any entitlement. The R3 000 funding provision is guaranteed by a performance guarantee (a contingency policy) that Car4Less holds with its underwriters, according to its policy terms; participants pay no premium, are not party to it and have no claim under it. Guaranteed funding does not mean automatic cash-back: any cash-back remains conditional on the participant's participation and discretionary. The current Terms & Conditions remain the controlling document and prevail in the event of any inconsistency with this knowledge centre. Read the Terms & Conditions →

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