Terms & Conditions
Insurance June 2023 Competition ("Conditions of Entry")

Promotion:

Insurance June 2023 Competition

Promoter:

Bendigo and Adelaide Bank Ltd ABN 11 068 049 178, The Bendigo Centre - Bath Lane, Bendigo, VIC 3550, Australia. Ph: 1300 236 344

Promotional Period:

Start date: 01/06/23 at 12:01 am AEST

End date: 30/06/23 at 11:59 pm AEST

Eligible entrants:

Entry is only open to Australian residents who are 17 years and over. Entrants under the age of 18 must have parent or legal guardian approval to enter.

How to Enter:

To enter the Promotion, the entrant must, during the Promotional Period, purchase one of the following insurance policies (arranged by Bendigo Bank or Adelaide Bank): Home and/or Contents Insurance, Motor Vehicle Insurance, Landlord Residential Property Insurance, and/or Travel Insurance (issued by CGU) (“Eligible Insurance Policy”). Eligible Insurance Policies can be purchased in branch, over the phone or online.

Entries will be automatically recorded at the time the Eligible Insurance Policy is purchased. The entrant must retain their policy for greater than 21-days post purchase (cooling off period) to be eligible to win a prize.

Entries permitted:

Limit one (1) entry permitted per Eligible Insurance Policy purchased in accordance with the entry instructions above.

If multiple persons are listed on an Eligible Insurance Policy, only the primary person listed will be entered into this Promotion and eligible to win a prize.

Total Prize Pool:

Up to AUD $90,000.00

Prize Details:

Winner notification:

The winners will be contacted by phone and in writing within five (5) days of the draw. The winners will be published at bendigobank.com.au/insurance within seven (7) days of the corresponding Daily Draw.

Unclaimed Prizes:

Prizes must be claimed by 04/09/23 at 12:00 pm AEST. In the event of an unclaimed prize, the prize will be redrawn on 04/09/23 at 12:00 pm AEST at Bendigo and Adelaide Bank Ltd, The Bendigo Centre - Bath Lane, Bendigo VIC 3550, Australia. The winners of the redraw will be notified by phone and in writing within five (5) days of the redraw. The winners will be notified publicly (and their details published) at bendigobank.com.au/insurance by 11/09/23.

If there are no prize winner/s or winner/s for this Promotion cannot be found, this information will be published at bendigobank.com.au/insurance.

Further Conditions:

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 the Participating Venues, 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. If a prize is won by a person under the age of 18, the prize may be awarded to the winner's parent or guardian and where applicable to the prize a nominated parent/guardian must accompany any person under 18 years of age.

6. Daily Draws:
   1. There will be one (1) draw conducted for the entries received each day of the Promotional Period (based on Australian Eastern Standard TimeT), for a total of 30 draws (“Daily Draws”). Each Daily Draw will take place at Bendigo and Adelaide Bank Ltd, The Bendigo Centre - Bath Lane, Bendigo VIC 3550, Australia at 12:00 pm AEST on the business day after entries close for that Daily Draw, with the first Daily Draw taking place on 02/06/23 and the last Daily Draw taking place on 03/07/23. For the removal of doubt, no draws will be conducted during the weekend or on a public holiday in Victoria. Entries in each Daily Draw will NOT be entered into any subsequent Daily Draw(s)

      1. The first valid entry drawn in each Daily Draw will be the winner of the prize specified in the Schedule above.

   2. The Promoter may draw reserve winners in case of ineligible or invalid entries.

   3. 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.

7. All reasonable attempts will be made to contact each winner.

8. If any 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.

9. Where entry is allowed by purchase or subscription, the cost of the product or service is no greater than the cost would be without the opportunity to participate in the Promotion.

10. The value of the prizes is accurate and based upon the recommended retail value of the prizes (inclusive of GST) at the date of printing. The Promoter accepts no responsibility for any variation in the value of the prizes after that date.

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

12. If a prize (or portion of a prize) is unavailable the Promoter reserves the right to substitute the prize (or that portion of the prize) to a prize of equal or greater value and specification, subject to any written directions of a regulatory authority.

13. No entry fee is charged by the Promoter to enter the Promotion.

14. Each 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.

15. 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 http://www.bendigobank.com.au/.... 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 and to the State and Territory lottery departments as required under the relevant lottery legislation. 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.

16. For the purposes of public statements and advertisements, the Promoter may only publish the winner's first name, initial of surname and State/Territory or postcode of residence.

17. It is a condition of accepting the prize that a winner (or their parent or legal guardian if under the age of 18) may be required to sign a legal release as determined by the Promoter in its absolute discretion, prior to receiving a prize. If a winner is under the age of 18, a nominated parent or legal guardian of the winner will be required to sign the legal release on the winner's behalf.

18. 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).

19. 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.

20. 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.

21. 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.

22. 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).

23. 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.

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

25. Authorised under: ACT Permit No. TP23/00727 , NSW Authority No. TP/185 and SA Permit No. T23/562.