Win $10,000!

Apia Health ‘Win $10,000’ Competition
Conditions
PARTICIPATION
This competition (“Competition”) is conducted by Australian Pensioners Insurance Agency Pty Limited ABN 14 099 650 996 (“the Promoter”) of Level 28 Brisbane Square, 266 George Street, Brisbane, Queensland 4000, ph 13 50 50. Please direct all postal correspondence to 530 Collins Street, Melbourne VIC 3000.
All entry instructions and prize information published by the Promoter form part of these conditions. By entering this competition, entrants accept these conditions.
The Competition is only open to individuals who: (i) are Australian residents aged 18 years or older at time of entry; and (ii) are not directors, management or employees, or their “immediate family members”, of the Promoter or its related companies or agencies associated with the Competition (“Eligible Entrant”). A reference to “immediate family member(s) 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.
Competition entry commences at 00:01am on 01/03/2017 and closes at 23.59pm on 30/06/2017 (“Entry Period”). Except as otherwise stated, all times are Sydney time.
ENTRY
To enter the Competition, an Eligible Entrant must during the Entry Period, visit www.apia.com.au/health (“Competition Website”) and follow the directions to fully complete and submit an entry form, including their full name, state of residence, valid email address, year of birth and telephone number. (“Original Entry”). An Eligible Entrant who has received an invitation to enter the Competition via mail or email may receive 1 additional entry in the Competition by entering the code within their invitation (“Additional Entry”).
Entrants may only enter the Competition in their own name. Limit of one Original Entry and 1 Additional Entry per person. Any subsequent Original Entry or Additional Entry received from the same person after the first valid Original Entry and first valid Additional Entry is received will be deemed invalid.
Entries must be received by the Promoter during the Entry Period. Entries will be deemed received at the time that the Promoter is satisfied that all necessary requirements under condition 5 have been met and not at the time of submission by the Eligible Entrant. The Promoter takes no responsibility for late, lost, incomplete, incorrectly submitted, illegible or misdirected entries or delays or failures in any equipment or telecommunications service used to administer this Competition.
Cost of entry via the internet is free, but internet connection and usage rates may apply. Eligible Entrants should obtain details of such costs from their service providers.
Eligible Entrants must submit their internet entry manually. The Promoter may reject internet entries if it reasonably forms the opinion that they have been entered using automated entry means or by use of a competition entry service.
The Promoter may, in its absolute discretion, declare an entry invalid or disqualify any entrant that tampers with the entry process or benefits from such tampering, submits an entry that is incomplete or not in accordance with these conditions, or otherwise acts in a manner that is disruptive, dishonest or calculated to jeopardise the fair and proper conduct of this Competition.
The Promoter reserves the right to require an entrant to verify the validity of their entry within the requested time, including but not limited to an entrant’s identity, eligibility, age and address and to disqualify any entrant who does not satisfy any entry criteria in these conditions. Errors and omissions may be accepted at the Promoter’s discretion. Proof considered suitable for verification is at the Promoter’s discretion.
DRAWS AND PRIZES
All valid entries received during the Entry Period will be entered into the prize draw. The random prize draw will be held at Contact Management Associates (VIC) Pty Ltd, 92-94 Tope Street, South Melbourne VIC 3205 at 12:00pm on Wednesday 5th July 2017.
There is one (1) Major prize to be won and five (5) minor prizes to be won. The first valid entry randomly drawn will win the major prize. The next five (5) valid entries randomly drawn will each win a minor prize. The prizes are:
Major prize: $10,000 (AUD), which will be transferred to the winner’s nominated bank account.
Minor prize: each minor prize is an EFTPOS gift card valued at $100 AUD. The minor prize is valid for [insert period] and is subject to any conditions imposed by the supplier.
PROVISIONS APPLICABLE TO PRIZES GENERALLY
The total prize pool is valued at $10,500 AUD including GST as at 01/01/2017. A prize value is the recommended retail value as provided by the relevant supplier(s). The Promoter takes no responsibility for any variation in a prize’s value due to exchange rate changes or otherwise.
Any additional costs not expressly stated, but which may be incurred in acceptance and use of a prize, are the responsibility of the winner.
No compensation will be payable if a winner is unable to take any element of a prize as stated, or does not satisfy any conditions of use for any element of the prize (including conditions imposed by event organisers or staff, or other prize providers, such as health, behaviour, age and safety requirements), for whatever reason. Any part of a prize that is not taken for any reason is forfeited and no compensation will be provided.
If a prize (or part of a prize) is unavailable for any reason, the Promoter may, in its absolute discretion, substitute alternative goods or services of equal or higher value, subject to the approval of any relevant gaming authority, where required. The Promoter accepts no other liability or responsibility for any loss incurred by a winner or any other party if a prize (or part of prize) is unavailable for any reason.
Other than as expressly stated in these conditions, a prize is non-transferable, non-refundable, non-exchangeable, non-replaceable, and non-redeemable for another prize including cash, except at the Promoter’s discretion and subject to relevant State and Territory legislation.
PRIZE WINNERS
The winners will be notified within 2 working days of the draw by a phone call and email, using the details provided in their entry.
The notification will include instructions as to how the winner is to claim their prize.
The prize will only be awarded following any winner validation and verification that the Promoter requires in its sole discretion.
The name of the winner(s) and their State or Territory of residence will be published at the Competition Website on Friday 16th July 2017 for a minimum period of 28 days.
Subject, where relevant, to any directions given by a relevant gaming authority, if: (i) a prize is not claimed by a winner or the Promoter has been unable (despite reasonable efforts) to successfully contact the winner on or before Monday 16th October 2017; or (ii) a winner is determined by the Promoter to be ineligible to win a prize in accordance with these conditions, the relevant prize will be forfeited and instead awarded to another Eligible Entrant in a redraw. Any such redraw will be made from a pool of the remaining Eligible Entrants and will take place at 12:00 on Tuesday 17th October 2017 at the same location as the original draws, with any unclaimed prizes awarded to the next valid entry randomly drawn in descending order of value (if applicable). The name of any resulting winner(s) and their State or Territory of residence will be published on the Competition Website on Tuesday 24th October 2017 for a minimum period of 28 days. Any redraw prize winner(s) will be notified within 2 days of the redraw by a phone call and email using the details provided in their entry.
GENERAL
If for any reason this Competition is not capable of running as planned, or is interfered with or disrupted in any way (including by vandalism, power failures, natural disasters, acts of God, weather event, civil unrest, strikes, computer bugs or viruses, tampering or technical failures), the Promoter reserves the right to cancel, terminate, modify or suspend the Competition, or invalidate any affected entries, subject to the approval of any relevant gaming authorities, where required.
The Promoter assumes no responsibility for: (i) any error, omission, interruption, or delay in the operation or transmission of any communication sent to (or by) the Promoter or any entrant whether caused by problems with communication networks or lines, computer systems, software or internet service providers, congestion on any carrier network or otherwise; (ii) any theft, destruction or unauthorised access to, or alteration of such communications; (iii) any problem with, or technical malfunction of, any computer system or other equipment used for the conduct of the Competition; (iv) any incorrect or incomplete information which may be communicated in the course of the administering this Competition (whether as a result of one of the foregoing causes or otherwise); or (v) any delay in delivery (when not directly caused by the Promoter or its supplier), or failure of safe delivery of a prize.
All of the Promoter's decisions in relation to all aspects of this Competition are final and no correspondence will be entered into. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
A winner accepts a prize at their own risk. Any tax liability arising as a result of accepting a prize is the responsibility of the winner. Independent financial advice should be sought.
To the full extent permitted by law, the Promoter, its associated companies and agencies and any of their personnel (the (“Relevant Parties”) exclude all liability for any loss (including any damage, claim, injury, cost or expense) which is suffered or incurred by any Eligible Entrant in connection with the Competition or a prize, including without limitation: (i) any indirect, special, economic or consequential loss; (ii) any loss arising from the negligence of a Relevant Party; and (iii) any liability for personal injury or death. To the extent that such liability cannot be excluded by law, it is limited to the minimum allowable by law.
The winners must, at the Promoter’s request, participate in all promotional activity (such as publicity and photography) surrounding winning a prize, free of charge, and consent to the Promoter using their name, likeness, image and/or voice (including any photograph, film and/or recording of them) in promotional material in any media at any time without notification or compensation, financial or otherwise. The winner acknowledges that that their name and state of residence may be published in marketing material sent by entities who use the Apia brand for the purpose of notifying customers of competition winners.
The Promoter may communicate or advertise this Competition using Facebook or Instagram. However, the Competition is in no way sponsored, endorsed or administered by, or associated with, Facebook or Instagram. Entrants provide their information to the Promoter and not to Facebook or Instagram. Entrants completely release Facebook and Instagram from any and all liability.
PRIVACY STATEMENT AND MARKETING CONSENT
Entrants’ personal information is collected from entrants by or on behalf of the Promoter to enable the Promoter and its agents to manage, administer and promote the Competition and, where applicable, publicise the Winner. The personal information may also be provided to persons assisting the Promoter, including prize suppliers and deliverers, marketing agencies and IT providers, and to gaming authorities, media outlets and related companies. The Promoter will disclose a winner's first name and State/Territory of residence on the Competition Website. By participating in the Competition, Eligible Entrants consent to these uses and disclosures of their personal information.
If an Eligible Entrant does not provide personal information the Promoter requests in the entry form, the Promoter may not be able to enter them into the Competition. All personal information is handled in accordance with these conditions and the Promoter’s Privacy Policy. Information about how to access or correct the personal information that the Promoter holds about you, or complain, can be found in the Promoter’s Privacy Policy available online at www.apia.com.au/website-terms-and-privacy or www.apia.com.au/privacy
If an entrant has marked the “opt-in” box, the entrant also consents to the retention of their personal information so that the Promoter and any related companies that use the Apia brand may use this information from time to time to let the entrant know about news, offers, products and services they might be interested in (by any medium, including telephone, email, mail, SMS or online marketing). In order to carry out direct marketing, entrants’ personal information will be collected from and disclosed to others that provide us with specialised data matching, trending or analytical services, as well as general marketing services. We, and other people who provide us with services, may combine the personal information collected from entrants or others, with the information we, or other companies in the Suncorp Group, or our service providers already hold about entrants. We may also use online targeted marketing, data and audience matching and market segmentation to improve advertising relevance. Entrants may unsubscribe from marketing communications at any time using information contained in a marketing message or by making a request during a telephone call.
Notwithstanding anything in condition 33, if on the entry form an entrant requests future contact from the Promoter and/or its related entity Suncorp Life & Superannuation Limited ABN 87 073 979 539 AFSL 229880 (SLSL) about one or more Apia products and services, or provides information about their product or service needs or interests, the entrant understands and agrees that the Promoter will retain their personal information and disclose their personal information to SLSL so that SLSL and the Promoter can use this information to contact the entrant at a later date by any means (including telephone, email, mail or SMS or online marketing) about such products and services.
Entry into the Competition also entitles the Promoter and any related companies that use the Apia brand (“we”/”us”) to let the Eligible Entrant know from time to time about news, offers, products and services they might be interested in (by any medium, including telephone, email, mail, SMS or online marketing). In order to carry out direct marketing, entrants’ personal information will be collected from and disclosed to others that provide us with specialised data matching, trending or analytical services, as well as general marketing services. We, and other people who provide us with services, may combine the personal information collected from entrants or others, with the information we, or other companies in the Suncorp Group, or our service providers already hold about entrants. We may also use online targeted marketing, data and audience matching and market segmentation to improve advertising relevance. Each Eligible Entrant agrees that they must provide and/or maintain their consent to receive such marketing communications and not opt out of receiving such communications during the Entry Period.
Competition permits: ACT TP 17/00176, NSW Permit No. LTPS/17/11243 & SA T17/158.