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Refer a Friend Campaign
Terms & Conditions of Entry
Information on how to participate and on rewards form part of the Terms and Conditions of Entry. Participation in this promotion will be deemed acceptance of these Terms and Conditions.
To the extent of any inconsistency between these Terms and Conditions and any other reference to this promotion, these Terms and Conditions prevail.
Who can participate
Subject to clause 4, entry is open to all residents of Australia over the age of 18, as of the date of entry, who have fulfilled the requirements set out below (‘Eligible Entrants’).
Employees, and their immediate families, of the Promoter and associated agencies and companies, contractors or individuals are not eligible to enter this promotion. Immediate family means any of the following: spouse, ex-spouse, defacto 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. The Promoter is Turn Finance (ABN 73 607 825 730) Postal address: PO Box: 9222, South Yarra VIC 3141 (‘Promoter’).
How to participate
To be eligible to receive a Reward (defined below) a referred friend or family member of an Eligible Entrant must, during the Promotional Period (defined below), successfully apply for and obtain a loan from Turn Finance. The individual referred must advise the Promoter that they were referred by, and provide the full name and contact details of the Eligible Entrant, for either to receive a Reward.
The individual referred by an Eligible Entrant may apply for a loan by visiting the website www.turnfinance.com.au or by calling 138 876. Normal lending criteria apply. The Promoter reserves the right to refuse to approve any loan application.
Eligible Entrants must ensure they have the consent of their friend or family member prior to referring them to the Promoter.
Multiple entries per person, i.e. one per referral, are permitted provided that each entry complies with these Terms and Conditions.
Entrants and individual referred may only participate in their own name. Inaudible, incomprehensible, illegible, and incomplete entries will be deemed invalid.
The promotion commences 01/12/2016 at 00:01 AEDT and closes 30/06/2017 at 23:59 AEST (‘Promotional Period’).
Reward on offer
A reward of $100 will be given to an Eligible Entrant who successfully refers an individual in accordance with these terms and conditions. A reward of $00 will also be given to the individual referred in accordance with these terms and conditions.
For any cash rewards, the name provided must match that of an eligible bank account to which an EFT payment can be made.
Further Terms and Conditions
Any entrant or referred individual found to have used a third party to enter or participate on their behalf will have all entries invalidated and any claim they have to a Reward will be invalidated. If such an entrant is given a Reward and then found to have breached this clause or these Terms and Conditions, the entrant must immediately return the Reward to the Promoter. The Promoter has sole discretion to determine if this clause has been breached. The Promoter reserves the right to request whatever documentation it deems necessary to confirm if this clause has been breached.
Any individual found to be entering incorrect contact details, including incorrect email contact details, will have all entries invalidated and any claim to any reward will be invalidated. The Promoter has sole discretion to determine if this clause has been breached by any entrant. The Promoter reserves the right to request whatever documentation it deems necessary to confirm if the entrant has breached this clause. An entrant must provide any requested documentation to the Promoter upon request.
The Promoter reserves the right to request entrants to sign a deed of release for acceptance of a Reward or any other relevant forms or agreements that the Promoter deems necessary, to provide proof of identity, proof of age, or proof of residency at the nominated Reward delivery in order to claim a Reward. Proof of identification, residency, age and entry considered suitable for verification is at the discretion of the Promoter. In the event that an entrant cannot provide suitable proof, the winner will forfeit the Reward in whole and no substitute will be offered.
The Promoter’s decision in relation to any aspect of the promotion is subject to State and Territory legislation but also final and binding on each person who participates. No correspondence will be entered into. No responsibility is accepted for late, lost or misdirected entries.
Copyright, Statutory guarantees, Waiver and liability
In participating, Eligible Entrants agree to participate in and co-operate as required in all editorial activities relating to the promotion, including but not limited to being interviewed and photographed. Eligible Entrants agree to grant the Promoter a perpetual and non-exclusive licence to use such footage and photographs in all media worldwide, including online social networking sites, and will not be entitled to any fee for such use.
Eligible Entrants are advised that tax implications may arise from their participation and they should seek independent financial advice prior to acceptance of a Reward.
The Promoter (subject to State and Territory legislation) reserves the right to amend, cancel or suspend this promotion if an event beyond the control of the Promoter corrupts or affect the administration security, fairness, integrity or proper conduct of this promotion. The Promoter will disqualify any individual who has tampered with the entry process or any other aspect of this promotion. In particular, computer generation and use “scripting” is not permitted and will not be accepted.
Any cost associated with accessing the promotional website is the entrant's responsibility and is dependent on the Internet service provider used.
Nothing in these Terms and Conditions limit, exclude or modify or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act 2010 (Cth), as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the State 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.
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 reward 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 tax liability incurred by a winner or Entrant; or (e) use of a Reward. The Promoter (including its’ officers, employees and agents) excludes all liability for any loss (including, without limitation, indirect, special or consequential loss or loss of profits or opportunity), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person’s negligence) in connection with this promotion including taking or using a reward, except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law), including the Non-Excludable guarantees.