Get a chance to win $2,000

Credit24’s “Win $2,000 for your 2022 Goals” Campaign 2022 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 their immediate family members) of agencies/companies directly associated with the conduct of this Promotion,

the Promoter, businesses involved in determination of winner/s for the Promotion, businesses involved in the management of the Promotion,

any organisation benefiting from the Promotion, the Promoter’s 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 Plexus, Level 4, 411 Collins Street, Melbourne VIC 3000 at 12:00 pm AEDT on 09/03/22 using computerised

random selection.

i) The first valid entry drawn will be the winner of the prize specified in the Schedule above.

b) The draw conductor may draw reserve winners in case of ineligible or invalid entries.

c) 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 the winner.

7. If the 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. No part of a prize is exchangeable, redeemable for cash or any other prize or transferable, unless otherwise specified in writing by the

Promoter.

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 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 www.credit24.com.au/privacy-policy/. 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. 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. 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).

14. 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 or suspend the Promotion and invalidate any affected entries, or suspend or modify

a prize, subject to State or Territory regulation.

15. 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.

16. 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 or claiming a prize, the Promoter will resolve the dispute in direct consultation with the

entrant. If the dispute cannot be resolved the Promoter’s decision will be final.

17. 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).

18. 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.

19. 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.

20. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of these rights.