Facebook Competition Terms & Conditions

SCHEDULE

Competition Name: “ If you could save $100 a week on bills or debt repayments, what would you spend it on?”

Competition Promoter: QH & AH Pty Ltd Trading as Assured Lending Mortgage Brokers ABN 36808038647

Entry residency restriction: Entry is only available to residents of: NSW

Entry – age restriction: N/A

Competition Period: 12:15am AEST on 3/04/07/2018 to 9.00am AEST 31/07/2018

How to enter: To enter the Competition, each entrant must, during the Competition Period: Answer the competition question on the Assured Lending Mortgage Brokers Facebook page under the competition details in the comments section. www.facebook.com/assuredlending

Content Criteria: Answer the following question “If you could save $100 a week on bills or debt repayments, what would you spend it on?”

Are multiple entries permitted? Yes

Prize description: A $100 Bunnings Gift Card. The prize cannot be exchanged for cash.

Total number of Prizes: There is one prize to be won as part of the Competition

Total Prize Pool: $100

Judge(s): The Judge(s) of the Competition will be: 2 members from the Assured Lending Mortgage Brokers Management Team.

Determining the winner(s): The entries will be judged, and the winner will be determined, at or around 10.00am AEST on 31/07/2018 at Assured Lending Mortgage Brokers Office in St Clair NSW.

Notifying winners: Within 2 hours of the winner being determined, each winner will be notified via the Assured Lending Mortgage Brokers Facebook page. www.facebook.com/assuredlending . Winners will be asked to contact Assured Lending Mortgage Brokers to provide a postal address for prize to be sent to.

Publishing results: Within 2 hours of the winner being determined, the winner will be published on the Assured Lending Mortgage Brokers Facebook page. www.facebook.com/assuredlending

PART A – INTRODUCTION
1. Information on how to enter and prize details form part of these terms and conditions.
2. By participating in the Competition, entrants accept and agree to be bound by these terms and conditions. For the avoidance of doubt, the terms and conditions include the Schedule above.
3. Entries must comply with these terms and conditions to be valid.
4. Where there is an inconsistency between the Schedule and Parts A to J of these terms and conditions, the schedule will prevail.

PART B – PRIVACY
5. The Promoter will collect and use each entrant’s personal information for the purposes of conducting the Competition and for promotional purposes, public statements and advertisements in relation to the Competition;
6. By entering the Competition, entrants consent to the use of their personal information as described in clause 5.

PART C – WHO CAN ENTER THE COMPETITION
7. If the Schedule permits entrants to be under the age of 18 years, such entrants must seek permission from their parent or guardian to enter. If the winner of a Prize is under 18 years of age, the Prize will be awarded to the winner’s parent or legal guardian.
8. Directors and employees (and their immediate families) of the Promoter or its related companies are not eligible to enter. Immediate families means spouse, ex-spouse, child, step-child, parent, step-parent, legal guardian, sibling or step-sibling.

PART D – HOW TO ENTER THE COMPETITION
9. To enter, each entrant must comply with the ‘How to Enter’ section of the Schedule.
10. If the Schedule permits entrants to submit more than one entry, each entry must be unique and submitted separately.
11. Entries must not have been published previously or used to win prizes in other competitions.
12. An entry cannot be modified after it has been submitted.
13. The Promoter reserves the right, at any time, to request verification of the age, identity, residential address or any other information relevant to participation in the Competition of all entrants. The Promoter reserves the right to disqualify any entrant who provides false information or fails to provide information that is reasonably requested by the Promoter.
14. The Promoter reserves the right, in its sole discretion, to refuse to accept entries which are incomplete, indecipherable, offensive, do not comply with these terms and conditions or which contravene any applicable laws or regulations.
15. The Promoter reserves the right, in its sole discretion, to disqualify any entrant who has breached any of these terms and conditions, has engaged in unlawful or improper conduct or otherwise acts to cheat or undermine the fairness of the Competition by, for example, tampering with, or using or exploiting errors in, the entry process to obtain a competitive advantage over other entrants.
16. The eligibility of entries is solely within the discretion of the Promoter.
17. The Promoter accepts no responsibility for late, lost, misdirected or damaged entries or other communications.

PART E – PRIZES
18. Each Prize is not transferrable, exchangeable or redeemable for cash.
19. If a Prize is unavailable for reasons beyond the Promoter’s control, the Promoter reserves the right to substitute the Prize with a prize of equal or greater monetary value. This right is subject to any applicable legislation, regulations or directions from a regulatory authority.
20. Once a Prize has left the Promoter’s premises, the Promoter takes no responsibility for the Prize being damaged, lost or stolen.
21. All taxes (excluding GST, if any) which may be payable as a consequence of receiving a Prize are the sole responsibility of each winner.

PART F – HOW THE WINNER(S) ARE DETERMINED
22. The Competition is a game of skill. Chance plays no part in determining the winner(s).
23. At the time and date specified in the “Determining the winner(s)” section of the Schedule, each valid entry will be judged individually on its merits by the Judges based on the Content Criteria.
24. The winning entry or entries will be the entry or entries that best satisfy the Content Criteria, as determined by the Judges.
25. The number of winning entries to be selected will be the same as the total number of Prizes specified in the Schedule
26. The Judges’ decision will be final and binding and no correspondence with entrants or any other person will be entered into.
27. Each winner will receive a Prize.

PART G – NOTIFICATION AND CLAIMING THE PRIZE(S)
28. The Promoter will provide each winner with instructions on how to claim their Prize. It is the responsibility of each winner to comply with the Promoter’s instructions.
29. The Promoter reserves the right to request each winner to provide proof of their identity and/or proof that they were responsible for the winning entry.
30. Each winner agrees to have their name published on the Promoters Business Facebook Page. www.facebook.com/assuredlending .
31. It is the responsibility of each entrant to notify the Promoter of any change to their contact details.

PART H – UNCLAIMED PRIZES
32. The Promoter will take all reasonable steps to identify and notify each winner in an attempt to ensure that each winner receives their Prize. However, if a winner cannot be identified or does not claim the Prize within three weeks of the date on which the winners are determined, their Prize is forfeited and will be awarded to the next best entry.
33. Each winner of an unclaimed Prize will be determined and notified in accordance with Parts F and G.

PART I – NO LIABILITY
34. Any Prize supplied by a third party supplier is subject to the terms and conditions of that third party supplier. Each Prize may come with guarantees that cannot be excluded under the Australian Consumer Law. If those guarantees are not complied with, then you will have rights under the Australian Consumer Law. Subject to those guarantees and rights, the Promoter shall not be liable and excludes all liability (including negligence) for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss) for damage to property, personal injury or death suffered or sustained in connection with the Competition or the use or taking of any Prize except for any liability which cannot be excluded by law including as provided for under the Australian Consumer Law.
35. If entry is via Facebook or if the Competition is promoted on Facebook, the Competition is in no way sponsored, endorsed, administered by or associated with Facebook and each entrant agrees to grant Facebook a complete release from any claims that they now have or may have in the future which relate to or are incidental to the Competition. Entrants acknowledge and agree that:
(a) any information they provide in connection with the Competition is provided to the Promoter and not to Facebook or any other social network; and
(b) any questions, comments or complaints regarding the Competition will be directed to the Promoter, not to Facebook or any other social network.

PART J – TERMINATION OF COMPETITION
36. The Promoter reserves the right to vary the terms of, or cancel, the Competition at any time without liability to any entrant or other person, subject

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