INDEX

1. APPLICANTS
1.1. Application Requirements
1.2. Financial Requirements
1.2.1. The cost of the journey is determined by your country of income
1.2.2. The cost for all journeys include the following
1.2.3. Journey Costs is calcualted according to an Estimated Budget
1.2.4. Method of Payment
1.2.5. Raising Financial Support
1.2.6. Online Banking Payments
1.2.7. Paymens over the counter
1.2.8. Debit orders
1.2.9. Secure Online Donations via GivenGain
1.2.10. International Account Details for GCEX
1.3. Additional Requirements

2. FINANCIAL PRINCIPLES AND POLICY
2.1. Country of income
2.2. The budget for a journey
2.3. Included in the price
2.4. 60% Deposit
2.5. Two price categories for the same journey
2.6. Payment Options
2.7. Financial Model while travelling
2.8. Money left over at the end of each leg
2.9. Options available to distribute additional funds after Checkpoints
2.10. Financial structure and different responsibilities
2.11. Donations received while travelling
2.12. Guidelines
2.13. Definitions
2.14. Scriptural References

3. TERMINATION OF AGREEMENT

4. DISCLAIMER

5. CONTACT DETAILS

TERMS AND CONDITIONS

1. APPLICANTS

1.1 Application Requirements

Every applicant will undergo a thorough selection process.

To become eligible as a potential participant, applicants need to meet the following requirements:

• Complete and submit a Quick Application online.
• Complete and submit the “Second Application Form”.
• Pay a non-refundable application fee of $20. Be willing to participate in an interview (either by phone or in person).
• Possess a valid passport, which is valid for at least six months after the end of the journey.
• Make available any additional information or proof thereof, should it be asked.

NOTE:
*Completion of the Second Application Form constitutes an agreement between the applicant and GCEX.

*The selection process may vary for certain applicants according to the discretion of the selection committee.

*Due to a limited number of individuals that can partake in a journey, not all applications will be successful.

1.2 Financial Requirements

Being a Christian organization we want to be transparent in our finances and administer it with integrity and thoroughness.

God not only entrusts us with you, but also with your finances and with that comes great responsibility.

1.2.1 The cost of the journey is determined by your country of income
The reason for this difference in payment is so that members from more affluent countries will partly support underprivileged and less fortunate members than themselves. For Global Challenge Expeditions (GCEX) to become a true international organization with true recognition this process off giving equal opportunities is critical.

NOTE:
*Please see our website for the latest cost details on our various projects.

1.2.2 The cost for all journeys includes the following:
- World Flight Ticket and other flights
- All means of travel while on your journey
- All meals
- All lodging
- Personal blog space on website
- Ministry expenses
- 15% administration fee
- Soft-Shell Jacket and T-Shirts
- Setup costs

It does not include:
- Visa costs
- Pocket money
- Medical insurance
- Travel insurance
- Entrance to unplanned sites
- $20 Applications fee
- In vaccinations
- Washing of clothes
- Internet and personal communication
- Any personal treats
- Travel to and from start and end of journey
- A backpack

To avoid any misinterpretation regarding your journey please understand the following:

GCEX is not a travel agency. Our aim is to cultivate a safe environment in which you can grow, experience, live, travel and be challenged. You will be challenged financially. The budget for each leg of the journey will be sufficient, but will also limit teams. Teams will have to make decisions regarding money spent on food, travel and lodging.

We challenge you to a journey of faith.

GCEX guidelines are:
“Always choose the cheapest food, cheapest lodging and cheapest travel.”

We encourage a God-Seeking-Lifestyle of simplicity.

1.2.3. Journey Costs is calcualted according to an Estimated Budget
Here follows a Budget Example used for GCX 2007. Your specific journey Budget is available on request.

Per Country Budget: GCX-One Year 2007 p/person – p/country.

It includes three meals per day, budget lodging and all travel other than your World Flight Ticket.

*This Budget was set out for GCX starting on 14 January 2007. Future Budgets will differ.

1.2.4 Method of Payment

Once accepted, individuals must meet these financial requirements before they can participate as a team member:
 A 60 % deposit must be paid eight weeks prior to the start of your journey.
 The remaining balance of 40% must be paid before the starting date, or proof of debit orders must be supplied.
 You will be held accountable for the full amount agreed upon for the journey according to the actual budget. See Principles and Policy
 15% of the given budget will go towards administration. A complete budget is available on request to successful candidates.

This 60% deposit will be used for the payment of flight ticketsyou’re your 15% administration fee.

As long as team members fulfill their financial requirements they will be allowed to continue in the journey.

Should members not be able to complete the journey due to unforeseen circumstances a 70% refund on the Per Country Budget will be payable if all other financial requirements have been met. Refunds before the start of the journey will only be possible if money is refunded from the World Flight Ticket issuer. Additional setup costs are not refundable.

Although GCEX holds the right to partially sponsor certain applicants at there own discretion, participants who don’t reach these financial commitments will not be able to partake in the journey. If participants run out of funds during the journey they will have to return home or continue in faith.

See Termination of Agreement below for more information on this.

Note:
*The cost of each journey depends on the journey you choose. Certain journeys will challenge participants more in the area of simplicity.

*Your country of income determines the cost of your journey. To give equal opportunity to all applicants there is a price increase for applicants from more affluent countries. Your main country of income, during the last year, determines the price you pay for a journey. The additional funding will be used to support applicants for whom it is harder to raise the necessary funds.

*The costs of journeys might change with prior notice due to fluctuation in the international exchange rates and the rising costs in the price of World Flight Tickets.

*Participants can raise funding through churches, friends and family or use personal money to cover the cost of the trip. Personal spending money must be kept separate.

*All aditional funds in a participants account at the end of a journey will be distributed within GCEX at the discretion of the participant. Please see Principles and Policy below for more information on this.

1.2.5 Raising Financial Support

Each journey has a dedicated bank account where money raised by participants should be paid into. Once you have been accepted for a journey these bank details and additional financial documents to help you raise support will be sent to you.

Donations can be received in three different ways:

1.2.6 Online Banking Payments
Churches, friends and family can set up once off or monthly payments on their own using their personal internet banking accounts. They must be certain to put your initials and surname as reference number.
When raising funds please use the Dedicated Bank Details for that specific journey

1.2.7 Payments over the counter
Payments on your behalf can also be made dirtectly into your journey account at any bank world wide. Please use the Dedicated Bank Details provided by us once you are accepted for a journey.

1.2.8 Debit Orders
We will provide you with Debit order forms which can be completed by your sponsors and the faxed back to GivenGain for processing. All transactions done via GivenGain have a 5% processing fee and participants will be held accountable for paying this cost.

1.2.9 Secure Online Donations via GivenGain
On our website click on the link Support Us. This will take you to a secure online payment page where you or supporters can set up once of payments or monthly debit orders. Donors can use any international Credit Card or any other South African Bank Details to make payments. In the Checkbox a reference can easily be entered to state that money donated must go towards your name. All transactions done via GivenGain have a 5% processing fee and participants will be held accountable for paying this cost.

NOTE:
*Please ensure all payments clearly indicate your details as reference.

*Only clearly referenced payments will be allocated to your account.

*Donations made without a reference will be allocated to where there is the greatest need.

*All transactions done via GivenGain have a 5% processing fee and participants will be held accountable for paying this cost.

1.2.10 International Account Details for Global Challenge Expeditions

General donations made towards us can be paid using the Bank Details below.

INTERNATIONAL BANK ACCOUNT DETAILS:

Bank:                      ABSA
Account Name:        Global Challenge
Account Number:     9206957824
Branch Details:        31 Da Gamma Road, Jeffreys Bay, 6330, South Africa
Branch Code:           334515
SWIFT Code:           ABSAZAJJ  (For International Payments)

*The above account is only for general donations. Donations to participants must please be paid into the designated accounts. Please contact us for more information on this. 

SECURE ONLINE DONATIONS CAN ALSO BE MADE VIA OUR GIVENGAIN DONATION PAGE!

1.3 Additional Requirements
Successful candidates must:

• Be available for the entire duration of the journey, including training and debriefing.
• Successfully apply for all visas. Should a visa application be rejected and there is enough time, additional arrangements will be made for the candidate. The participant must pay any additional costs arising from the visas’ rejection.
• Make provision for own travel and medical insurance.
• Complete and sign an Indemnity Form.
• Arrange and pay for own transport to the start and end of the particular journey.
• Complete the “Supporters Information List” that will be given to you once accepted.
• Be in general good health.
• Meet the additional requirements specified for each journey, for example: age, belief, etc.

2. FINANCIAL PRINCIPLES AND POLICY

2.1 Country of income

Country of income is defined as the country where you have lived the previous year and where the biggest portion of your support base lies.The cost of our journeys currently lie between R48 000 and R86 000
($6 200 - $10 800) depending on the journey you choose and your country of income.

2.2 The budget for a journey

Four factors determine the budget:
- Setup Costs: This refers to all expenses made on our behalf to set up your entire journey. This will include flight tickets, phone calls, website, training, etc.
- Per Country Budget: Based on previous year’s experience a “Per Country Budget” is estimated for the countries you will visit during your journey.
- Administration Fund: 15% of the given budget will go towards administration cost. This includes compensation for full time staff members, office expenses, etc.
- Development Fund: Money from this fund will be used at the discretion of leadership to further Gods Kingdom and give equal opportunities to applicants from disadvantaged backgrounds applying for any of our journeys.

2.3 Included in the price

The cost includes most expenses for your entire journey: travel, flight tickets, food, lodging, ministry expenses and all other planned activities.
It does not include travel to and from the start and end of the journey, visas, insurance, communications, entry into unplanned sights, spending money, etc.

GCEX encourages a lifestyle of simplicity.

A more complete budget is available on request.

2.4 60% Deposit

A 60% deposit must be paid by all successful applicants at a specified date before the start of each journey. This lump sum will be used to cover the initial costs of flight tickets and administration. Participants should ensure that the deposit is paid on time as a failure of payment will result in termination of agreement between you and GCEX.

Note:
When communicated to us and in special circumstances exceptions to the 60% deposit rule will be made at the discretion of leadership.

2.5 Two price categories for the same journey
It is our desire that participants from every tongue and nation will have equal opportunity to take part in one of our journeys.

- The fluctuation in International exchange rates gives an advantage to applicants whose support base lies in more affluent countries.
- Through Gods word we are called to spread wealth evenly so that all might have enough.
- The difference in costs is in part determined by scales used by all international mission organizations.
- Although the cost of journey may differ with regard to “Country of Income” all participants will have the same budget available throughout the journey. - Your country of income is determined by your country of residence prior to taking part in a journey.

Note: Money paid into team accounts may differ because of actual funds raised. Teams will only have funds available that have been raised by the participants in their team.

How does the “Cost of Journey” differ in practice?
- A 15% Administration Fee is subtracted from all participants.
- Additional money raise by participants from more affluent background will be paid into the development fund after the 15% admin deduction has been made on the total amount.
- Money paid into Development Fund will in all cases be that amount that needs to be subtracted to ensure all participants start on the same budget after the 15% deposit is paid.

For example:

Applicant form Third World Country doing GCX-One Year 
Initial Budget: R66 000.00
Admin Fee: -15%
Budget for journey now equals: R56 100.00

Applicant form First World Country doing the same GCX-One Year
Initial Budget: R86 000.00
Admin Fee: -15%
Amount available: R73 100.00

From this the amount of R17 000.00 will now be taken and placed into a development fund. Amount available: R73 100.00
Development Fund - R17 000.00
Budget for journey now equals: R56 100.00

Result: Applicants from all backgrounds have the same opportunity

*Example only.

NOTE:
If you are currently a resident in a country of higher income but the majority of your support base falls outside this country you can apply for the lower price category.

2.6 Payment options

We encourage all participants to raise as much funds as possible before the start of the journey. Once the journey is in process contact with supporters will not always be so regular and keeping an eye on your finances can be a difficult task.

We encourage that each participant will recognize his/her role in the corporate ownership of the group’s finances. We encourage participants to think further than there own finances and attempt to raise as much funds as possible for the group.

Accounts fully paid at the start of journey help those participants who aren’t able to raise the money as a lump sum. Set monthly payments on the other hand carry the group through the year!

NOTE:
Proof of debit orders are needed for participants not able to make once off payment.

2.7 Financial Model while travelling

Our aim is to set a system that will allow participants to grow in the area of finances and give as much responsibility as possible to them.

- At the beginning of each country an amount specified by the Budget per Country will be paid into each teams account.
- The amount paid in will still be determined by the total amount raised by participants in that team. In other words. The money paid in might differ from team to team because of the funds raised by individuals in a team.
- No distinction will be made within a team between a participant who has fully paid there account and a participant who hasn’t. All members are equal and money paid in should be spent corporately to carry the team through their country of ministry.
- Teams will corporately take ownership for managing money entrusted to them.
- At the beginning of the year advise will be given by GCEXon how teams should administer there money.
- Decision making power with in the team lies with the Team Leader and Financial Coordinator.

Below is a fictional illustration of how a potential year can develop which will result in a lowering of the planned budget.

*In this example a 15% administration fee has already been subtracted as well as any money for the Development Fund.

Example given: Team “A” taking part in Global Challenge X

Explanation

A total of three thousand rand was saved by team “A” during their journey. At the 1st Checkpoint participants who already paid the full amount have the option to distribute their additional funds where they feel led. Providing it falls within GCEX criteria given below.

For participants still in need of funds the estimated budget was lowered by R 1000.00 because of the money saved in the actual expenses.

At the 2nd Checkpoint this process was repeated but in this example team “A” was now able to save R 2000.00.

The purpose of this system is to:

• encourage participants to take corporate ownership of team funds,
• encourage those who don’t yet have all the funds raised
• grow participants in the area of what God’s heart is for administering finances.

NOTE:
*The budget is already stretched and the savings in the above illustration is fictional only. No team will be forced to save but will have to manage with what is paid into their team-accounts.

*All additional funds can only be distributed within the GCEX framework.

THIS SYSTEM ALLOWS PARTICIPANTS TO RAISE MONEY TO THERE FULL POTENTIAL AND ALSO ENSURES THAT PARTICIPANTS WITH SUPPORT BASES IN LESS AFFLUENT COMMUNITIES HAVE EQUAL OPPORTUNITY TO TAKE PART IN ONE OF OUR JOURNEYS!!

WHAT AMAZING FREEDOM!!

2.8 Money left over at the end of each leg
Cash in hand:
Say your budget for India was 5 000.00 Indian Rupees per person and at the end of the leg you as a team have 3 500.00 Rupees left in Indian currency:
- The Finance Coordinator must exchange that money before leaving the country.
- Exchange any cash in hand into currency of next country if possible or another major currency.
- Teams can use money in hand at there own discretion as part of the next countries budget. If teams want to save money, this then gives the opportunity to withdraw less cash from their account in the new country which will result in saving.
- Amount left over as “cash in hand” must be clearly indicated on the financial records. Proof and record of all money exchanged into new currencies must be kept!

Cash in account:
Should you not have withdrawn all the money in your account allocated for a specific country that money will:
- Stay in account and full available funds for next country will be paid in.
- Be credited to the 1st or 2nd Checkpoint for redistribution by team/individuals as they choose.
- Teams can again use money left in account at there own discretion as part of the next countries budget.

2.9 Options available to distribute additional funds after Checkpoints

Your options for redistribution at the 1st or 2nd Checkpoint are as follows:
Money can be channelled towards:
- Participants Fund
- Project Fund
- 2nd Year Fund
- Administration Fund
- Staff Fund

No participant will be given money in hand, but you will only be able to distribute it towards the above options.

Financial structure and different responsibilities
The Financial Director (Function from Head Office in South Africa)
- oversees all finances of GCEX
- emails monthly financial updates to individuals
- communicates directly with Financial Managers on the different journeys
- gives monthly report back to International Director

The Financial Manager (Travels with participants-part of leadership)
- is responsible for managing all finances on a specific journey
- is the gateway between head office and team members
- reports all questions or comments back to head office
- handles all individual queries on team
- receive and process all expense sheets
- report back to Financial Director after each country.

The Financial Coordinator
- is responsible for daily updating and registering all cash flow on expense sheet
- carries teams wallet
- manages and oversees all team funds
- is responsible for safe keeping of all receipts
- report back to Financial Manager

Team Members
- must keep record and inform Coordinator of all expenses made on teams behalf
- of all expenses made on behalf of team
- must help collect receipts
- take corporate responsibility for team fund

2.11 Donations received while travelling

- Participant who receives a donation must immediately record the donation on donations card. Date, personal details of donor, reason for giving money must be indicated.
- Always open envelopes in the presence of other team members for your own protection.
- If donations are given to a specific team member the money needs to go towards that specific team member’s account. If the team member has already raised all the needed funds, money will be directed to the greatest need.
- Depending for what money is donated towards, it needs to be recorded and used specifically for that purpose.
- Money not specified must be recorded and will be wired by Financial Manager to head office for distribution to where the greatest need is at management’s discretion.

2.12 Guidelines

Raising the funds
- Take corporate responsibility
- Raise more than you need to compensate for team members coming from lesser affluent support bases
- Think of money raised as the contribution you are able to make taking into consideration your support base and background
- Contribute to the corporate need and not only your own
- When your target amount of journey costs are reached continue to raise funds for others

Use of money on the journey
- Don’t use money as if its yours, use it as if it is Gods
- Be generous
- Freely you have received, freely give
- Always choose cheapest travel, cheapest food and cheapest accommodation
- Manage finances with integrity and be transparent
- Always be able to give account for money spent.

2.13 Definitions

Project Fund
This fund has been established for the raising of finances that can fund building projects, humanitarian need and other challenges that you as a team may face while on the journey. As a team you can request that money from this account be channelled to you as team for contributing to projects along your route.

Participant’s Fund
Any additional money raised by participants will go directly into this account.
It will enable us to support participants in need.

Staff Fund
Money donated to this fund will be used for causes such as training of staff, compensation for services offered and other staff related activities.

Administration Fund
Money raised by this fund will be spent on daily expenses and setup to ensure an effective run ministry.

2nd Year Fund
Should participants feel led towards doing a second or third year, money remaining in their accounts at the 2nd Checkpoint can be carried over to their next year.

2.14 Scriptural References

Haggai 2, Malachi 3, Luke 10, Acts 2, 2 Corinthians 8,

3. TERMINATION OF AGREEMENT

GCEX is an experiential learning program. The International Director and Project Leaders hold the right to terminate the journey of any participant not fully partaking in this program.

Should participants choose or be forced to end a journey prematurely no refund will be given on expenses already made on their behalf. For example: setup costs, flight tickets, hotel deposits, etc. If all costs for the whole of the journey are already paid by the participants, they will receive a 70% refund for the part that they are not completing. This will only come into practice once all other expenses have been paid in full. The refund will be calculated specifically according to the “Per Country/Per Day Budget” for a team member.

4. DISCLAIMER

Participants that take part in any of our journeys do so out of their own free will and are fully aware of the risks involved. GCEX, its Trustees, all its affiliates, international partners and staff members can not be held liable for any claim that might result from participation in any of the journeys.

GCEX, its Trustees and all its affiliates is not liable for the death or personal injury of its staff or participants.

GCEX cannot be held responsible for any losses or damage arising from participation in any of its journeys.

Routes, the numbers of countries and dates are all subject to change without prior notice.

The status of a journey is dependant on the number of successful applicants.

Participants and staff are subject to the conditions of carriage of the particular service provider.

The opinions and views of all participants and contributors to this website, its blogs, comments, emails and all other forms of communication arising from this site does not necessarily reflect the views and values of GCEX

Communication arising from this website will be monitored by GCEX for operational and protective reasons. See our Privacy Policy for more information.

5. CONTACT DETAILS

Please direct any further inquiries in writing to our Head Office:

Contact Us Page

or

POSTAL ADDRESS: Global Challenge Expeditions
PO Box 1064
Jeffrey’s Bay
6330
South Africa

STREET ADDRESS: 

33 Goedehoop Street
Jeffrey’s Bay
6330
South Africa

© Global Challenge Expeditions 2006 - 2008