Win 1 of 3 $2500 or 1 of 175 $100 vouchers Mortgage Choice

As part of this celebration we are inviting you to go into the
draw to INSTANTLY WIN 1 of 175 x $100 vouchers of your choice below.
You also go into the draw to WIN 1 of 3 x $2500 cash prizes.
Enter now and choose your preferred prize!
Instant Win Prize: The prize is the winner's choice of the following
options:
• Option 1: a $100.00 Coles gift card; OR
• Option 2: a $100.00 Westfield voucher; OR
• Option 3: a $100.00 Flight Centre voucher; OR
• Option 4: a $100.00 Caltex voucher.
Instant winners will only be entitled to win the instant win prize they
selected at the time of entry
Mortgage Choice 25th Birthday Terms & Conditions ("Conditions of Entry")
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
a) The draw will take place at Peazie Social Media (Group) Pty Ltd, Level 2, 27 St Edmonds Rd, Prahran VIC 3181, Australia
at 02:30 pm AEST on 05/07/17 using computerised random selection.
b) The first three (3) valid entries drawn will be the winners of the Draw Prize specified in the Schedule above.
c) Additional reserve entries may be drawn in case an invalid entry or entrant is drawn.
d) 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. Instant Win
a) Winners will be notified immediately if they have won on screen upon entry form submission. The Instant Prize awarded
to an Instant Prize winner will be the Instant Win Prize the entrant specified on the online entry form. By the end of the
Promotional Period, all prizes from the advertised prize pool will be distributed and all existing claims, unless due to
fraud or ineligibility, for prizes and entitlements will be met notwithstanding that the advertised prize pool has been
exceeded and printing errors and other quality control matters will not be used as a reason for refusing payment of
prizes. Winners of an instant win prize are determined by chance.
7. All reasonable attempts will be made to contact each winner.
8. 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, they forfeit the prize and the Promoter is not obliged to substitute the prize.
9. Entry and continued participation in the Promotion is dependent on the entrant following and acting in accordance with
Facebook Statement of Rights and Responsibilities (http://www.facebook.com/terms.php); the Twitter Rules
(https://support.twitter.com/articles/18311-the-twitter-rules) and the Instagram Terms of Use,
(http://instagram.com/legal/terms/). This Promotion adheres to the terms and conditions set out in the Facebook
promotion guidelines which can be found at: http://www.facebook.com/promotions_guidelines.php, the Twitter Rules and
Policies (https://support.twitter.com/groups/56-policies-violations#topic_236), Search Best Practices
(https://support.twitter.com/articles/42646-twitter-search-best-practices) and Guidelines for Contests
(https://support.twitter.com/articles/68877-guidelines-for-contests-on-twitter) and the Instagram promotion guidelines
which can be found at: http://help.instagram.com/179379842258600. Any questions or comments regarding the Promotion
must be directed to the Promoter, not to Facebook, Twitter and Instagram. The entrant releases Facebook, Twitter and
© 2017 Plexus Services Pty Ltd. Do not reproduce without authority.
Instagram and their associated companies from all liabilities arising in respect of the Promotion. Entrants acknowledge that
the Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook, Twitter and Instagram.
10. 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.
11. No entry fee is charged by the Promoter to enter the Promotion. Where entry is allowed online, there is no additional cost to
enter the Promotion other than any cost paid by the entrant to access the website or social media platform of entry via their
Internet service provider.
12. 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 www.mortgagechoice.com.au/media/2730982/Mortgage-ChoicePrivacy-Policy.pdf.
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.
13. 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.
14. It is a condition of accepting the prize that a winner may be required to sign a legal release as determined by the Promoter in
its absolute discretion, prior to receiving a prize.
15. If a prize is provided to the Promoter by a third party, the prize is subject to the terms and conditions of the third party prize
supplier and the provision of the prize is the sole responsibility of the third party and not the Promoter. The terms and
conditions which apply to the prize at the time it is issued to the winner will prevail over these Conditions of Entry, to the
extent of any inconsistency. 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.
16. 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).
17. 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.
18. 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.
19. All material submitted on entry (e.g. photo(s), image(s), drawing(s), comment(s), sound/video recording(s) and answer(s) to
a promotional question) must NOT: (a) be in breach of any laws, regulations and rights, e.g. any laws regarding intellectual
© 2017 Plexus Services Pty Ltd. Do not reproduce without authority.
property (copyright, trademarks, etc), defamation and privacy; (b) be defamatory, obscene, derogatory, pornographic,
sexually inappropriate, contain nudity, aggressive, violent, abusive, harassing, threatening, objectionable or
discriminate/vilify any section of the community with respect to race, ethnicity, nationality, religion, origin, sexual
preference, mental illness, disability or gender or unsuitable for publication; or (c) contain viruses. Entrants warrant that they
own or have the right to license the copyright in any entry submitted by them into this Promotion, for the purposes of this
Promotion, that no rights have been granted to any third party in respect of any such entry which would prevent the entry
being used as contemplated by this Promotion, and that the use by the Promoter of any such entry will not breach any laws
or infringe the rights of any person (including without limitation with respect to privacy, intellectual property and
defamation). Entrants must obtain prior consent from any person or from the owner(s) of any property that appears in their
entry. By entering, all entrants license and grant the Promoter, its affiliates and sub-licensees an exclusive, royalty-free,
perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display their entry
(including any portion of their entry) for any purpose, including but not limited to future promotional, marketing or publicity
purposes, in any media, without compensation, restriction on use, attribution or liability. Entrants further agree, upon
request by the Promoter, to assign all of their rights, title and interest (including copyright) in and to their entry to the
Promoter and to sign any legal documentation to confirm such assignment. Entrants agree that their entry is their original
work and does not infringe the rights of third parties, or that they have obtained full prior consent from any person who has
jointly created or has any rights in the aforementioned material. Entrants consent to any use of their entry that may
otherwise infringe their moral rights. Entrants are responsible for all entries they submit on entry. The Promoter will not be
liable for any entries, to the extent permitted by law. The Promoter reserves the right to remove, request removal or decline
to publish any entry or portion of an entry for any reason whatsoever, including if in breach of these Terms and Conditions.
The Promoter will have no liability to entrants if it exercises this right and entrants must comply with any request made by
the Promoter pursuant to this paragraph.The entrant warrants and represents that any material sent or provided by the
entrant to the Promoter will not infringe any copyright, trademarks or other intellectual property rights of any third party
(including moral rights) and that the entrant has all rights to use the materials and has obtained all necessary consents to
comply with any relevant privacy and/or confidentiality requirements. Entrants agree to indemnify the Promoter for any
breach of the Terms and Conditions including this clause.
20. 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.
21. 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).
22. 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.
23. 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.
24. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of these rights.
25. Authorised under: ACT Permit No. TP 17/01000, NSW Permit No. LTPS/17/14553 and SA Permit No. T17/941