TERMS & CONDITIONS:
1. Information on how to enter and the prize(s) form part of these Terms and Conditions. Participation in this promotion is deemed acceptance of these Terms and Conditions.
2. Entry is only open to Australian residents aged 18 years or over who do not have an existing CUA Health insurance policy ("Eligible Entrants").
TERMS & CONDITIONS:
1. Information on how to enter and the prize(s) form part of these Terms and Conditions. Participation in this promotion is deemed acceptance of these Terms and Conditions.
2. Entry is only open to Australian residents aged 18 years or over who do not have an existing CUA Health insurance policy ("Eligible Entrants").
3. Employees (and their immediate families) of the Promoter 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 on 14/03/2016 and ends at 11:59pm AEST on 30/04/2016 ("Promotional Period").
5. To receive an entry into the draw, Eligible Entrants must obtain a quote for CUA Health insurance during the Promotional Period via one (1) of the following methods:
i. Online: visit www.cuahealth.com.au and follow the prompts to obtain a quote for a CUA Health insurance policy by fully completing the first page of the Health Online application form, selecting the promotion entry tile and "email quote" button as prompted;
ii. CUA Health Phone: call 1300 499 260 and request a quote for CUA Health insurance, providing all details as requested from the CUA Health representative;
iii. CUA Direct Phone: call 133 282 and request a quote for CUA Health insurance, providing all details as requested from the CUA representative; or
iv. In-Branch: visit any CUA branch within Australia and request a quote for CUA Health insurance providing all details as requested from the CUA staff member.
For clauses (ii), (iii) and (iv) above, a CUA or CUA Health staff member will simply complete the online entry method as indicated in clause (i) above on the Eligible Entrant's behalf, using the details provided to them, in order to obtain the quote for the Eligible Entrant.
6. 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 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 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 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.
7. Only one (1) entry is permitted per Eligible Entrant.
8. 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.
9. The draw will take place at Anisimoff Legal, Suite 5, Erina Plaza, 210 Central Coast Highway, Erina NSW 2250 on 09/05/2016 at 11:00am 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 by telephone and in writing within two (2) business days of the draw and their names will be published on the CUA Facebook page on 13/05/16.
10. The Promoter's decision is final and no correspondence will be entered into.
11. The first five (5) valid entries drawn will each win $1,000.
12. The Prize will be deposited directly into the winners' nominated CUA everyday transaction account. Should a winner not have a CUA everyday transaction account, one will need to be opened in order to receive the prize.
13. Total prize pool value is $5,000.
14. A draw for any unclaimed prizes may take place on 10/08/2016 at the same time and place as the original draw, subject to any directions from a regulatory authority. Winners, if any, will be notified by telephone and in writing within two (2) business days of the draw and their names will be published on the CUA Facebook page on 15/08/16.
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 promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
16. 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 entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the promotion, as appropriate.
17. Any cost associated with accessing the CUA Health Insurance website is the entrant's responsibility and is dependent on the Internet service provider used.
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 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.
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: (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) taking/use of the prize.
20. 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 the personal information, which it holds about its customers as set out in its Privacy Policy, which can be viewed at https://www.cua.com.au/privacy-policy. 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 personal information to any entity outside of Australia.
The Promoter is CUA Health Limited (ABN98 098 685 459) of 145 Ann Street, Brisbane, QLD 4000. Telephone: 1300 499 260 ("Promoter"). CUA Health Insurance is provided by CUA Health Ltd ABN 98 098 685 459 ("CHL") which is not an authorised deposit-taking institution. While CUA Health Insurance may be distributed by Credit Union Australia Ltd ABN 44 087 650 959 (CUA), CUA is not liable for this product and does not stand behind CHL.
NSW Permit No. LTPS/16/01519 ACT Permit No. TP16/00387
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