Competition Terms and Conditions

“Credit Savvy 10k Giveaway” PROMOTION

TERMS AND CONDITIONS

  1. Information on how to enter this promotion and prizes form part of these Terms and Conditions. Participation in this promotion is deemed acceptance of these Terms and Conditions. All times specified in these Terms and Conditions are based on AEDT time.
  2. The promoter is AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786, trading as Credit Savvy, of Level 28, 225 George Street Sydney NSW 2000 (“Promoter”).
  3. Entry is only open to Australian residents aged 18 years or over as of 28th August 2017, who are either: (a) members of Credit Savvy; or (b) become a registered member of Credit Savvy during the Promotional Period. A member of Credit Savvy encompasses any resident who successfully signed up using the free www.CreditSavvy.com.au online registration process and complies with the account membership terms and conditions of the Promoter. Employees (and their immediate families) of the Promoter, Brokers and agencies associated with this promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
  4. Promotion commences at 9.30am AEDT on 28th August 2017 and ends at 11:59pm AEDT on 30th September 2017 (“Promotional Period”).
  5. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant's identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
  6. To enter, entrants must complete all the steps in one of the following entry methods during the Promotional Period:

Entry method 1: How to enter as a new user

(a) Visit the Credit Savvy website (https://www.creditsavvy.com.au/); and

(b) Fully complete the registration process to create a new Credit Savvy account including verification of their email address via the automated email sent by the Promotor (unless using the ‘social sign-up’ process where this email verification process doesn’t occur)

(c) (Optional) For additional entries:

i. Use their Credit Savvy account to directly invite friends, relatives or colleagues who are Australian residents and are not existing members of the Promoter during the Promotional Period to register to become a member of Credit Savvy

ii. To complete the invite process, members (the “Inviter”) of the Promoter must submit their friends’, relatives’ or colleagues’ (the “Invitee”) email addresses and any other required information in the manner required by https://www.creditsavvy.com.au/referral. Only Invitees who complete the full registration process to sign up as a member of the Promoter (“Invited member”) will contribute towards the original Inviter’s total accepted invites. The Inviter will receive 1 additional entry per accepted referral. Each Inviter warrants that any friend, relative or colleague that is invited is personally known to them and that they have permission to send email communications to them.

Entry method 2: How to enter as an existing user

(a) Use their Credit Savvy account to directly invite friends, relatives or colleagues who are Australian residents and are not existing members of the Promoter during the Promotional Period to register to become a member of Credit Savvy.

(b) To complete the invite process, members (the “Inviter”) of the Promoter must submit their friends’, relatives’ or colleagues’ (the “Invitee”) email addresses and any other required information in the manner required by https://www.creditsavvy.com.au/referral. Only Invitees who complete the full registration process to sign up as a member of the Promoter (“Invited member”) will contribute towards the original member’s total accepted invites and entries. The Inviter will receive 1 additional entry per accepted referral. Each Inviter warrants that any friend, relative or colleague that is invited is personally known to them and that they have permission to send email communications to them.

  1. Table of Prizes 

Promotional Period

Prize Type

Prize Details

Draw Date

28/8/2017 9:30am to 30/9/2017 11:59pm

Gift Card

10 x $1,000

4/10/2017

 

  1. Limit of one (1) prize per person
  2. Incomplete or indecipherable entries will be deemed invalid.
  3. Cancellation of the member’s membership with the Promoter during the Promotional Period will void all entries.
  4. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
  5. The Promoter will assess and determine the winner at the offices of Credit Savvy at Level 1, 117-119 George Street Sydney NSW 2000 at 11am AEDT on the specified draw date (see section 7) using computerised random selection. The draw conductor may select additional reserve entries in case of an invalid entry or ineligible entrant. The winners will be notified by email (to the email address registered with the Promoter) on the specified draw date (see section 7) and announced on the Credit Savvy website creditsavvy.com.au, Credit Savvy blog - http://blog.creditsavvy.com.au and Facebook page on the same day.
  6. If no valid entries are received during the Promotional Period, the prizes will not be awarded.
  7. The ten (10) valid entries randomly selected on the draw date, as determined by the draw conductor, will each win a $1,000 Apple Gift Card.
  8. Winners will be contacted after the Promotional Period and their $1,000 Apple Gift Card sent via email or registered post within 10 working days of confirmation of the authorised postal address.
  9. If for any reason a winner does not take / redeem a prize (or an element of the prize) at / by the time stipulated by the Promoter, then the prize (or that element of the prize) will be forfeited.
  10. The Promoter, at its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification at any time.
  11. The total prize pool value is $10,000 AUD. Prize, or any unused portion of the prize, cannot be redeemed for cash, is non-refundable and non-transferable.
  12. Any ancillary costs associated with redeeming the Apple Gift Card are not included. Any unused balance of the Apple Gift Card will not be awarded as cash. Redemption of the Apple Gift Card is subject to any terms and conditions of the issuer including those specified by Apple, see full Apple Gift Card terms and conditions here. Apple are not a participant or sponsor of this promotion.
  13. The Promoter's decision is final and no correspondence will be entered into.
  14. Entrants consent to the Promoter using the entrant's name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this competition (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.  
  15. If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) to modify, suspend, terminate or cancel the promotion, as appropriate.
  16. Any cost associated with accessing the promotional website is the entrant's responsibility and is dependent on the Internet service provider used.
  17. The winners will participate in and co-operate as required with all reasonable marketing and editorial activities relating to the Promotion, including (but not limited to) being recorded, photographed, filmed or interviewed and acknowledges that the Promoter may use any such marketing and editorial material without further reference or compensation to them.
  18. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the State and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.
  19. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of Except for any liability that cannot by law be excluded including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter's control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) use a prize.  
  20. By participating in this promotion, you authorise the Promoter to collect, hold, use and disclose your personal information in the ways indicated herein and in the Promoter’s privacy policy, including providing such information to third parties, including but not limited to mortgage insurers, brokers, originators, managers and/or financial consultants, contractors, service providers, suppliers and Australian government agencies or other parties where required or authorised by law. The Promoter or its third party business associates may, unless you tell us not to, use the information to communicate with you by mail or electronically by, for example, email, phone, SMS, hyperlink to provide you with direct marketing and commercial communications, offers to issue or sell financial, credit and other products, financial services and credit guides and other disclosure documents. You should direct any complaint, request to opt out of receiving marketing material, not receive telemarketing calls, access, and update or correct your personal information to the Promoter by emailing contact@creditsavvy.com.au . The Promoter may hold or process your information on servers located overseas for filtering, hosting or storage purposes. The Promoter’s Privacy Policy can be found at www.creditsavvy.com.au  (follow the privacy link).
  21. Authorised under: ACT Permit No. ACT TP 17-01642, NSW Permit No. LTPS-17-17005 and SA Permit No. TA17-1546

 

Competition Winners (4 October 2017)

  • Geoffry Holland
  • Sonia Afrin
  • Jordan White
  • Richard Dearden
  • Joshua Coe-Jennen
  • Nathan Stones
  • Rey Astillo
  • Todd Pittaway
  • Maria Lazaridis
  • Heather Williamson

Competition winners will be contacted as per the above Terms and Conditions and have 30 days to claim their prize (until 1 November 2017)