Competition time

1. Information on how to qualify for the ‘Straight to Select $1,000 Refinance e-Gift’ promotion form part of these Terms and Conditions. Participation in this promotion is deemed acceptance of these Terms and Conditions.

2. The Promoter is AHL Investments Pty Ltd (ABN 27 105 265 861) of Level 28, 225 George Street, Sydney NSW 2000 (“the Promoter” or “Aussie”) (ABN 27 105 265 861). Aussie is a trademark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. © 2020 AHL Investments Pty Ltd ABN 27 105 265 861 Australian credit licence 246786

3.The promotion commences at 12:00am AEST on 1 April 2020 and closes at 11:59pm AEST on 17 May 2020 (“Promotional Period”). The promotion applies to eligible Aussie Select home loan applications lodged between 12:00am on 1 April 2020 and closes at 11:59pm AEST on 17 May 2020 and settled by 31 July 2020.

4. The individual must be refinancing their loan from another financial institution. The individual must be an Australian resident aged 18 years and over who is eligible to attend a full home loan appointment with the Promoter and settle a home loan with the Promoter. Employees/contractors (and their immediate families) of the Promoter, Aussie franchisees and their employees 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 first cousin.

5. To claim the gift, individuals must during the Promotional Period:

a. book and attend a full home loan appointment, in person or virtually, with any Aussie Franchisee, Retail Broker or Mobile Broker; and

b. settle an eligible Aussie Select Variable loan

6. An eligible loan is defined as an Aussie Select Basic Variable or Standard Variable loan or split with a value greater or equal to $150,000 and an LVR of less than or equal to 90% including LMI. This offer is open to refinancing applications from another financial institution only and excludes fixed rate loans, variations, increases to existing loans or internal refinances of an existing Aussie Select facility. This offer is not available for Aussie Select Line of Credit products.

7. It must be evident that the product is not ‘unsuitable for the customer’ and that the product suits the customer requirement and objectives. Sales compliance will conduct adhoc file reviews during the promotion to verify minimum requirements including customer needs analysis’ have been adequately completed.

8. Limit on entries:

a. Only one $1000 gift will be awarded per home loan settlement.

b. If two or more people settle the same home loan, the gift will be directed to the primary loan account holder.

9.

a. Once they have undertaken the above steps the individual will receive the reward of $1,000 E- gift card.

b. The $1,000 E-gift card will be emailed to the email address noted by the broker at the loan lodgement stage

c. They should allow up to 20 business days after settlement to receive their $1,000 E-gift card.

d. If the customer/s does not receive their settlement gift within 20 business days from the date of settlement, they should contact their Aussie Broker for more information.

10. It is the individual’s responsibility to ensure the email address supplied and entered is correct. Aussie is not liable to replace the settlement gift if email address is incorrect.

11. Rewards, including any unused portion, are not transferable or exchangeable and cannot be converted to cash.

12. E-Gift card must be used in conjunction with its terms and conditions as outlined.

13. The Promoter reserves the right, at any time, to verify the validity to receive reward and individual's (including the individual's identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the claim process or engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the promotion. Errors and omissions may be accepted at the Promoter's discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter's legal rights to recover damages or other compensation from such an offender are reserved.

14. 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, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law:

a. to disqualify any individual; or

b. to modify, suspend, terminate or cancel the promotion, as appropriate.

15. Nothing in these Terms and Conditions limit, exclude or modify 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 States 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.

16. 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:

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 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 reward value to that stated in these Terms and Conditions; e. any tax liability incurred by a Referrer; or

f. use of the reward.

17. By participating in this promotion, the individual authorises the Promoter and AHL Investments Pty Ltd ABN 27 105 265 861 (“Aussie”) to collect, hold, use and disclose their personal information in the ways indicated herein and in Aussie’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 details provided are true and correct and participating in this promotion is conditional on providing this information. Aussie or its third party business associates may, unless the individual tells us not to, use the information to communicate with them by mail or electronically by, for example, email, phone, SMS, hyperlink to provide them 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. The individual should direct any request to opt out of receiving marketing material, not receive telemarketing calls, access and update or correct their personal information to Aussie by calling 13 13 33. Aussie may hold or process your information on servers located overseas for filtering, hosting or storage purposes. Aussie’s Privacy Policy can be found at www.aussie.com.au

18. Without limiting any other terms herein, the individual agrees to indemnify the Promoter for any breach of the above terms.

1. Information on how to qualify to receive the $500 gift forms part of these Terms and Conditions. Participation in this promotion is deemed acceptance of these Terms and Conditions.

2. The Promoter is AHL Investments Pty Ltd (ABN 27 105 265 861) of Level 28, 225 George Street, Sydney NSW 2000 (“the Promoter” or “Aussie”) (ABN 27 105 265 861). Aussie is a trademark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. © 2020 AHL Investments Pty Ltd ABN 27 105 265 861 Australian credit licence 246786

3. The promotion commences at 12:00am AEST on 17 February 2020 and closes at 11:59pm AEST on 31 March 2020 (“Promotional Period”). The promotion applies to eligible Aussie Select home loan applications lodged between 12:00am on 17 February 2020 and closes at 11:59pm AEST on 31 March 2020 and settled before 31 May 2020.

4. The individual must be submitting a new loan application. The individual must be an Australian resident aged 18 years and over who is eligible to attend a full home loan appointment with the Promoter and settle a home loan with the Promoter. Employees (and their immediate families) of the Promoter, Aussie franchisees and 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 first cousin.

5. To claim the gift, individuals must during the Promotional Period:

a. book and attend a full home loan appointment with any Aussie Franchisee, Retail Broker or Mobile Broker; and

b. settle an eligible Aussie Select loan

6. An eligible loan is defined as an Aussie Select Basic or Standard Loan with a value greater or equal to $150,000 and an LVR of less than or equal to 90% including LMI. This offer is open to new loan applications only and excludes variations, increases to existing loans or internal refinances of an existing Aussie Select facility. This offer is not available for Aussie Select Line of Credit products.

7. It must be evident that the product is not ‘unsuitable for the customer’ and that the product suits the customer requirement and objectives. Sales compliance will conduct adhoc file reviews during the promotion to verify minimum requirements including customer needs analysis’ have been adequately completed.

8. Limit on entries:

a. Only one $500 gift will be awarded per home loan settlement.

b. If two or more people settle the same home loan, the gift will be directed to the primary loan account holder.

9.

a. Once they have undertaken the above steps the individual will receive the reward of $500 E- gift card.

b. The $500 E-gift card will be emailed to the email address noted by the broker at the loan lodgement stage

c. They should allow up to 20 days after settlement to receive their $500 E-gift card.

d. If the customer/s does not receive their settlement gift within 20 business days from the date of settlement, they should contact their Aussie Broker for more information.

10. It is the individual’s responsibility to ensure the email address supplied and entered is correct. Aussie is not liable to replace the settlement gift if email address is incorrect.

11. Rewards, including any unused portion, are not transferable or exchangeable and cannot be converted to cash.

12. E-Gift card must be used in conjunction with its terms and conditions as outlined

13. The Promoter reserves the right, at any time, to verify the validity to receive reward and individual's (including the individual's identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the claim process or engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the promotion. Errors and omissions may be accepted at the Promoter's discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter's legal rights to recover damages or other compensation from such an offender are reserved.

14. 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, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law:

a. to disqualify any individual; or

b. to modify, suspend, terminate or cancel the promotion, as appropriate.

15. Nothing in these Terms and Conditions limit, exclude or modify 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 States 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.

16. 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:

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 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 reward value to that stated in these Terms and Conditions;

e. any tax liability incurred by a Referrer; or

f. use of the reward.

17. By participating in this promotion, the individual authorises the Promoter and AHL Investments Pty Ltd ABN 27 105 265 861 (“Aussie”) to collect, hold, use and disclose their personal information in the ways indicated herein and in Aussie’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 details provided are true and correct and participating in this promotion is conditional on providing this information. Aussie or its third party business associates may, unless the individual tells us not to, use the information to communicate with them by mail or electronically by, for example, email, phone, SMS, hyperlink to provide them 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. The individual should direct any request to opt out of receiving marketing material, not receive telemarketing calls, access and update or correct their personal information to Aussie by calling 13 13 33. Aussie may hold or process your information on servers located overseas for filtering, hosting or storage purposes. Aussie’s Privacy Policy can be found at www.aussie.com.au

18. Without limiting any other terms herein, the individual agrees to indemnify the Promoter for any breach of the above terms.

How to enter: All Aussie customers’ who complete the Customer Satisfaction Survey automatically go into the draw on submission of their survey.

Prize: The prize is 4 x $1,000 which is allocated by Electronic Funds Transfer (EFT) into each of the winner’s nominated bank account. Total prize pool value is $4,000. Prizes are not transferable or exchangeable.

Prize draw:The draw will take place at Anisimoff Legal, Suite 5, Erina Plaza, 210 Central Coast Highway, Erina NSW 2250 on 03/07/2020 at 12 noon AEST. The winners will be notified in writing by mail within two (2) business days of the draw and their names will be published in The Australian on 10/07/2020.

Conditions: Entry is open to all Australian residents, 18 years and over who have taken out an Aussie home loan and invited to complete the Customer Satisfaction Survey by email or mail.

1. Information on how to enter and prizes form part of these Terms and Conditions. Participating in this promotion is deemed acceptance of these Terms and Conditions.

2. Entry is only open to Australian residents who: (a) are existing Aussie Home Loan customers or existing customers of the Promoter who have taken out a loan with one (1) of the authorised lenders from the Promoter’s panel of lenders (“Aussie Customers”); and (b) receive a survey directly from the Promoter via mail or email, personally inviting them to participate in this promotion (“Promotion Correspondence”). Entrants under 18 years old must have parental/guardian approval to enter and further, the parent/guardian of the entrant must read and consent to these Terms and Conditions. Parents/guardians may be required by the Promoter to enter into a further agreement as evidence of consent to the minor entering this promotion.

3. Employees (and their immediate family) of the Promoter and its contractors and agencies associated with this promotion are ineligible. 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. The Promoter reserves the right, at anytime during or after the closing date of the promotion, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any entrant who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process or engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the promotion. Errors and omissions may be accepted at the Promoter's discretion. Failure of the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter's legal rights to recover damages or other compensation from such an offender are reserved.

5. Promotion commences on 15/07/2019 and entries close at last mail received (for mail entries) and at 5pm AEST (for online entries) on 30/06/2020 (“Promotional Period”).

6. To enter, eligible Aussie Customers must complete one (1) of the following entry methods during the Promotional Period:

• Mail Entry (only available to eligible Aussie Customers who receive an invitation from the Promoter via mail): the Aussie Customer named on the survey must fully complete the official original survey and return it by mail to: Aussie Customer Satisfaction Survey, Reply Paid 1039, Artarmon NSW 1570. Entries must be received by last mail on 30/06/2020; or 
• Online Entry (available to all eligible Aussie Customers): enter online by visiting the URL as listed in the Promotion Correspondence and following the prompts to the competition entry page, filling in the required details and submitting the completed official survey online, by 5pm AEST on 30/06/2020. Eligible Aussie Customers who receive an invitation from the Promoter via email will also be able to follow the prompts in the email to access the online survey.

For the sake of clarity, Aussie Customers must have received a survey directly from the Promoter via mail or email to be eligible to enter this promotion. 

7. Only one (1) entry permitted per eligible Aussie Customer throughout the Promotional Period.

8. Incomplete, indecipherable or illegible entries will be deemed invalid.

9. 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.

10. The draw will take place at Anisimoff Legal, Suite 5, Erina Plaza, 210 Central Coast Highway, Erina NSW 2250 on 03/07/2020 at 12pm noon AEST. The Promoter may draw additional reserve entries and record them in order in case an invalid entry or ineligible entrant is drawn. The winners will be notified in writing by mail within two (2) business days of the draw and their names will be published in The Australian on 10/07/2020.

11. The Promoter’s decision is final and no correspondence will be entered into.

12. The first four (4) valid entries drawn will each win a $1,000 awarded via EFT. Total prize pool value is $4,000. Prizes are not transferable or exchangeable.

13. The Promoter may conduct a further draw at the same time and place as the original draw if necessary on 06/10/2020 in order to distribute any prizes unclaimed by that date, subject to any directions from a regulatory authority. In the event of any winner(s), they will be notified in writing within two (2) business days of the draw and their name(s) will be published in The Australian on 12/10/2020.

14. If a winner is under the age of 18 years, the prize will be awarded to the winner's nominated parent or guardian on the winner’s behalf.

15. Entrants consent to the Promoter using their 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.

16. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the Internet service provider used.

17. Subject to the unclaimed prize draw clause, if for any reason a winner does not take a prize by the time stipulated by the Promoter, then the prize will be forfeited.

18. 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, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law to (a) disqualify any entrant; and (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the promotion, as appropriate.  

19. 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 States 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.

20. Except for any liability that cannot be excluded by law, the Promoter (including its 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 tax liability incurred by a winner or entrant; or (e) taking/use of a prize.

21. The Promoter collects personal information ("PI") in order to conduct the promotion and may, for this purpose, disclose such PI to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Entry is conditional on providing this PI. The Promoter will also use and handle PI as set out in its Privacy Policy, which can be viewed at http://www.aussie.com.au/Privacy.html.  In addition to any use that may be outlined in the Promoter’s Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the PI for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their PI, how entrants may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. The Promoter will not disclose entrant’s PI to any entity outside of Australia.

22. The promoter is AHL Investments Pty Ltd (ABN 27 105 265 861) of Level 28, 225 George Street, Sydney NSW 2000, telephone (02) 8279 0713 (“Promoter”). Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. © 2019 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

NSW Permit No. LTPS/19/36085 ACT Permit No. TP19/03713