*Terms and Conditions

· To qualify, an entrant is required to provide the names and contact details of a minimum of three (3) people who the client feels will benefit from Carrick Catalyst’s service offering as an international wealth advisory company before 31 July 2025.

· On 01 August 2025 (“Draw Date”), all qualifying entrants will be entered into a lucky draw where one (1) lucky winner and one (1) chosen guest will enjoy a luxury holiday which includes return flights for both the winner and chosen guest from their city of residence to Sir Seewoosagur Ramgoolam International Airport in Mauritius or Heathrow International Airport in London, or the Livingstone Airport in Zambia.

· To earn one (1) entry into the lucky draw, an entrant must provide the names and valid contact details (i.e. full name, telephone number, and email address) of a minimum of three (3) people over the age of 21 years whom Carrick Catalyst can contact regarding Carrick Catalyst’s service offering.

· Thereafter, every (3) three valid referrals provided will count as an additional one (1) entry into the lucky draw.

· The prize is non-transferable and not redeemable for cash or credit.

· The judges’ decision is final, and no correspondence will be entered into regarding the qualification for and/or awarding of the prize.

· The winner of the prize agrees to cooperate in any promotional activities required in connection with the awarding of the prize, as may be reasonably expected of him or her.

· Should the winning client fail to claim the prize within two (2) weeks of the Draw Date, he or she shall forfeit the incentive, and an additional lucky draw shall take place to determine the winner.

· By agreeing to participate herein, each entrant consents to the processing of his or her personal data in connection with his or her participation herein.

· The staff of Carrick Catalyst (including its subsidiaries), their spouse(s), children, relatives, cohabiting partner(s), and family of such cohabiting partner(s) are excluded from participation herein. • The winner and his or her chosen guest must be able to travel on the following dates: 18 June – 31 July 2025.

· The winner and his or her chosen guest must have passports valid beyond six (6) months with at least three pages free of stamps as required by law in the country that will be visited.

· The return flight shall depart from the winner’s city of residence with the destination to Sir Seewoosagur Ramgoolam International Airport in Mauritius or Heathrow International Airport in London, or the Livingstone Airport in Zambia. The prize does not include transport to the airport and will be at the expense of the winner and his or her guest.

· All Visa costs incurred will be for the expense of the winner and his or her guest.

· Carrick Catalyst shall not be liable for any disruption to the Competition, whether due to technical problems or otherwise, which is beyond its reasonable control. In the event of any disruption to the Competition the Promoter shall use its reasonable endeavours to remedy any disruption and resume the Competition on a fair and equitable basis to the winner.

· If Carrick is required by law to alter or cancel any aspect of the Competition or to terminate it as a result of changes in legislation, or for any reason whatsoever, it will have the right to terminate the Competition being offered, with immediate effect and without notice. In such event the winner hereby waives any rights which they may have against Carrick and its associated companies, agents, contractors and/or sponsors.

· Carrick is entitled, at its discretion and without notice, to change or modify these Terms and Conditions for the duration of the incentive and, without giving reasons, to discontinue, modify or adapt the incentive without any obligation to compensate any participant for any loss and/or damages. Any modification and/or adaptation to the incentive will be made public in an appropriate manner (e.g. via the Carrick Catalyst website or through e-mail correspondence to those participating).

· Carrick Catalyst has the right to disqualify a participant if it is believed that the participant is not acting in conformity with these Terms and Conditions or if the participant is otherwise fraudulently accessing the Client Referral Incentive or unfairly influencing the course thereof.

· Should any term and/or condition of these Terms and Conditions be declared or become void or invalid, such invalidity will not affect the validity of the remaining terms and conditions hereof.

· Travel insurance is not included in the winnings and each individual is responsible for their own travel insurance.