Draw terms and conditions: 

  1. Promoter: IPF Digital Australia Pty Ltd trading as Credit24 ( ABN 59130894405)   
  2. Customer Account: Credit24 customers whose account is up to date and not in arrears by 11:59pm on 31 October 2021 will go in the draw. An on-time payment is made if the repayment is no more than five calendar days late.  
  3. Does not include: Customers who are in a Part IX debt agreement or bankruptcy.  
  4. Draw Date: Friday 6 November 2021.  
  5. Draw Method: The valid entries will be selected at random by using an online random number generator. The decision is final and no correspondence will be entered into.  
  6. Prize Details: The prizes include $1,500 paid out as cash into the winner’s bank account or an Apple iPhone 13 128 GB. The prize is chosen by the winner. No alternatives to prizes will be offered. Prizes are not transferable or exchangeable.  
  7. Notification of Winner and Prize Claim: The winner of the prize will be notified via telephone and SMS and emailed on the day the prizes are drawn. If the winner choses the cash prize, this will be paid into the winner’s bank account by 13 November 2021. If the winner choses the Apple iPhone 13 128 GB, the winner will be able to choose the colour of the phone (if available) and it will be sent to the winner’s address by 30 November 2021. Subject to product availability. The Apple iPhone 13128 GB can only be sent to a valid Australian address. 
  8. If, for any reason, this Draw is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorised intervention, fraud, technical failures or any other causes beyond the control of IPF Digital Australia, which corrupt or affect the administration security, fairness, integrity or proper conduct of this competition, the Promoter assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorised access to, or alteration of entries.  
  9. IPF Digital Australia reserves the right, at their discretion, to change these terms and conditions at any time subject to state regulations.