Competition time

Aussie Select $500 Settlement Gift Promotion – Terms and Conditions

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.

Win $25K towards your dream home – Terms and Conditions

1. The entrant agrees and acknowledges that they have read these Conditions of Entry (and Schedule) and that entry into the Promotion is deemed to be acceptance of these Conditions of Entry (and Schedule). Any capitalised terms used in these Conditions of Entry have the meaning given in the Schedule, unless stated otherwise.
2. The Promotion commences on the Start Date and ends on the End Date ("Promotional Period"). Entries are deemed to be received at the time of receipt by the Promoter and not at the time of transmission or deposit by the entrant. Records of the Promoter and its agencies are final and conclusive as to the time of receipt.
3. Valid and eligible entries will be accepted during the Promotional Period.
4. Employees (and the immediate family members) of agencies/companies directly associated with the conduct of this Promotion, the Promoter, its distributors, suppliers, subsidiary companies/businesses and associated companies and agencies are not eligible to enter. "Immediate family member" 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.
5. Draw:
   • The draw will take place at Plexus, Level 4, 411 Collins Street Melbourne VIC 3000 Australia at 02:30 pm AEST on 28/07/20 using computerised random selection.
   • The first valid entry drawn will be the winner of the prize specified in the Schedule above.
   • The draw conductor may draw additional reserve entries in case an invalid entry or entrant is drawn.
   • If a draw is scheduled on the weekend or a public holiday, the draw will be conducted at the same time and location on the following business day. The Promoter will ensure each draw is open for public scrutiny and anyone may witness the draw on request. The winner of a drawn prize is determined by chance.
6. All reasonable attempts will be made to contact each winner.
7. If any winner chooses not to take their prize (or is unable to), or does not take or claim a prize by the time specified by the Promoter, or is unavailable, they forfeit the prize and the Promoter is not obliged to substitute the prize.
8. If a prize (or portion of a prize) is unavailable the Promoter reserves the right to substitute the prize (or that portion of the prize) to a prize of equal or greater value and/or specification, subject to any written directions of a regulatory authority.
9. No entry fee is charged by the Promoter to enter the Promotion.
10. The prize will be awarded to the person named in the respective winning entry and any entry that is made on behalf of an entrant or by a third party will be invalid. If there is a dispute as to the identity of an entrant or winner, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant or winner.
11. Entrants' personal information will be collected by the Promoter. Personal information will be stored on the Promoter's database. The Promoter may use this information for future marketing purposes regarding its products, including contacting the entrant electronically. The Promoter is bound by the Australian Privacy Principles in accordance with the Privacy Act 1988 (Cth) and its privacy policy which is located at https://www.aussie.com.au/privacy.html. The Promoter's privacy policy contains information about how the entrant may access, update and seek correction of the personal information the Promoter holds about them and how the entrant may complain about any potential breach by the Promoter of the Australian Privacy Principles or any other Australian privacy laws and how such complaints will be dealt with. The Promoter collects personal information about entrants to enable them to participate in this Promotion and may disclose the entrants' personal information to third parties including its contractors and agents, prize suppliers and service providers to assist in conducting this Promotion and to the State and Territory lottery departments as required under the relevant lottery legislation. If the entrant does not provide their personal information as requested, they may be ineligible to enter or claim a prize in the Promotion. Personal information collected from entrants will not be disclosed to any entity located outside of Australia.
12. For the purposes of public statements and advertisements, the Promoter may only publish the winner's surname, initial and State/Territory or postcode of residence.
13. It is a condition of accepting the prize that the winner may be required to sign a legal release as determined by the Promoter in its absolute discretion, prior to receiving the prize.
14. The Promoter accepts no responsibility or liability for any delay or failure by the third party to deliver the prize, any delay or failure relating to the prize itself or failure by the third party to meet any of its obligations in these Conditions of Entry or otherwise.
15. Any guarantee or warranty given is in addition to any relevant statutory guarantees and warranties and nothing in these Conditions of Entry restricts, excludes or modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth).
16. If for any reason any aspect of this Promotion is not capable of running as planned, including by reason of computer virus, communications network failure, bugs, tampering, unauthorised intervention, fraud, technical failure or any cause beyond the control of the Promoter, the Promoter may in its sole discretion cancel, terminate, modify suspend the Promotion and invalidate any affected entries, or suspend or modify a prize, subject to State or Territory regulation.
17. The Promoter reserves the right, at any time, to validate and check the authenticity of entries and entrant's details (including an entrant's identity, age and place of residence). In the event that a winner cannot provide suitable proof as required by the Promoter to validate their entry, the winner will forfeit the prize in whole and no substitute will be offered. Incomplete, indecipherable, inaudible, incorrect and illegible entries, as applicable, will at the Promoter's discretion be deemed invalid and not eligible to win. Entries containing offensive or defamatory comments, or which breach any law or infringe any third party rights, including intellectual property rights, are not eligible to win. The use of any automated entry software or any other mechanical or electronic means that allows an individual to automatically enter repeatedly is prohibited and may render all entries submitted by that individual invalid.
18. The Promoter reserves the right to disqualify entries in the event of non-compliance with these Conditions of Entry. In the event that there is a dispute concerning the conduct of the Promotion, the decision of the Promoter is final and binding on each entrant and no correspondence will be entered into.
19. The Promoter and its associated agencies and companies will not be liable for any loss (including, without limitation, indirect, special or consequential loss or loss of profits), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person's negligence or wilful misconduct) in connection with this Promotion or accepting or using any prize (or recommendation), except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law).
20. The entrant 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.
21. The Promoter accepts no responsibility for any tax implications and the entrant must seek their own independent financial advice in regards to the tax implications relating to the prize or acceptance of the prize.
22. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of these rights.
23. Authorised under: NSW Permit No. LTPS/19/35648; ACT Permit No. TP 19/03612; SA Permit No. T19/1014.

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 15/07/2019and 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.htm.  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