Terms and Conditions
Share your moments promotion
Introduction
- Participation in this promotion is deemed acceptance of these Terms and Conditions.
- The Promoter is Now Finance Group Pty Ltd ACN 158 703 612 Australian Credit Licence number 425142, as agent for NF Finco 2 Pty Ltd ACN 164 213 030 (“the Promoter”).
- The promotion commences at 12:00am AEDT on 17 February 2025 and closes at 11.59pm AEST on 30 April 2025 (“Promotional Period”).
Exclusions
- The following customers are not eligible for this promotion.
- Customers who use a broker to source and assist in the settlement of a NOW Finance Personal Loan.
- Employees (and immediate family) of the Promoter, brokers and agencies associated with this promotion or the Promoter. Immediate family 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.
- Customers who do not meet all of the eligibility requirements specified in these Terms and Conditions.
- Customers who fail to comply with these Terms and Conditions.
- Customers who do not agree to these Terms and Conditions.
Eligibility
- Only customers who meet all of the following criteria are eligible for the Promotion (“Eligible Customers”).
- Customers who apply for and settle a NOW Finance Personal Loan between 12:00am on 01 January 2025 AEDT and 11:59pm on 31 March 2025 AEST. A NOW Finance Personal Loan includes a NOW Finance Unsecured Personal Loan and a NOW Finance Secured Personal Loan (together referred to as “Eligible Loans”).
- Customers who are not excluded under these Terms and Conditions.
- Customers who are Australian residents aged 18 years and over, and satisfy all of the Promoter’s lending and approval criteria.
- Eligible Customers will not be excluded from this promotion solely because they are eligible for another promotion at the same time. Provided they meet all the eligibility requirements outlined in these Terms and Conditions, do not fall into any exclusionary clause, and comply with these Terms and Conditions, they will remain eligible for this Promotion.
- This promotion is open only to Eligible Customers who receive an email inviting them to participate in the promotion by responding to a promotional question. The selection of recipients for these invitations is at the sole discretion of the Promoter.
How to enter
- Eligible Customers who have been selected by the Promoter to participate in the promotion will receive an email specifying details of the Promotion, confirming their eligibility, and providing them with the option to submit an image or video with a text response to a predetermined question during the Promotional Period (“Submission”).
- The Submission must be submitted via a form linked in the email to the Eligible Customer.
- A Submission as mentioned in paragraph 8 will constitute entry to the promotion.
- This promotion consists of three (3) rounds, each with a prize of AUD$500 (“The Prize”).
- The round which each Eligible Customer can enter is based on the date of settlement of their Eligible Loan (Eligible Round), as outlined below.
- Round 1: Customers who settle their Eligible Loan between 12.00am Wednesday 1 January 2025 and 11.59pm Friday 31 January 2025 will be eligible for Round 1. They must submit their Submission by 11.59pm 28 February 2025.
- Round 2: Customers who settle their Eligible Loan between 12.00am Saturday 1 February 2025 and 11.59pm Friday 28 February 2025 will be eligible for Round 2. They must submit their Submission by 11.59pm 31 March 2025.
- Round 3: Customers who settle their Eligible Loan between 12.00am Saturday 1 March 2025 and 11.59pm Monday 31 March 2025 will be eligible for Round 3. They must submit their Submission by 11.59pm 30 April 2025.
- The Prize will be delivered via Electronic Funds Transfer (ETF) to the bank account used for direct debits of the Eligible Loan.
- If two (2) or more individuals jointly settle an Eligible Loan, both are eligible to enter the promotion.
- Eligible Customers may submit Submissions during the relevant Eligible Round.
Selecting the winners
- This is a game of skill, where chance plays no part in determining the winner. The number of entries by an Eligible Customer will not affect their chances of winning.
- Judging will be conducted at the Promoter’s Head Office located at Level 9, 380 St Kilda Road, Melbourne 3000, Victoria, Australia by a panel of judges.
- The judges will be appointed by the Promoter at its sole discretion.
- The judges will review each entry and select a winner based on the most creative response, which will be used by the Promoter in future marketing materials.
- The judges’ decision is final and binding on the entrant and is not subject to appeal, review, or redetermination.
- The date and time when the judges select the winner for each round are in the table below. If the selected winner does not accept the prize or cannot be reached after reasonable attempts by the Promoter, the Promoter may select an alternate winner and contact them accordingly.
- Only one (1) winner will be selected for each round at the discretion of the judging panel.
- Winners will be notified via their nominated phone number and email address within five (5) business days of being selected as a winner.
- Once a winner has been notified, the Promoter will contact them and ask them to confirm they accept the Prize.
- The winner should allow up to 30 days after being notification to receive the Prize.
- If the winner does not receive the Prize within 30 business days from the date they were notified, they should contact the Promoter at marketing@nowfinance.com.au.
- It is the winner’s responsibility to ensure the contact details including the email address and phone number they have provided to the Promoter are accurate.
- The Promoter will make reasonable efforts to deliver the Prize to the winner. However, if the Prize cannot be successfully delivered and/or is returned, the winner forfeits the Prize. The Promoter cannot guarantee that the Prize will be resent and will not be liable for replacing it.
- Once awarded, the Promoter is not responsible for any loss, theft, damage, misuse, or tampering of the Prize, including any circumstances where the winner has provided incorrect or inaccurate details or becomes a victim of hacking or other incident that result in the Prize being directed to a third party.
Privacy Statement and Marketing Consent
- By participating in this promotion, all entrants consent to having their name, image, video, and Submission published for any marketing purpose, including but not limited to Promoter’s website and social media channels, whether or not they are a prize winner.
- The Promoter and associated parties may, unless otherwise instructed, use participants’ personal information to communicate via mail or electronic means (for example, email, phone, SMS, or hyperlink) for the purposes of direct marketing, providing commercial communications, and offering financial, credit, or other products and services. Participants may opt-out of receiving marketing communications or telemarketing calls by contacting the Promoter at 1300 275 669.
- By participating in this promotion, individuals authorise the Promoter to collect, hold, use, and disclose their personal information as outlined in these Terms and Conditions, and in accordance with the Promoter’s Privacy Policy located at https://nowfinance.com.au/legal-and-policies/privacy-policy/. This includes sharing personal information with third parties involved in the promotion.
General
- By participating in this promotion, the entrant grants the Promoter a perpetual, irrevocable, non-exclusive, royalty-free, and transferable permission to use, reproduce, modify, adapt, publish, distribute, display, and make available to a public audience, the Submission in any format or medium, including but not limited to, for advertising, promotional, and marketing purposes, or any other reason, without further notice, consent, or compensation to the entrant.
- Eligible Customers acknowledge and agree that the Promoter is not obliged to contact the entrant regarding the use or proposed use of their Submission and that the Promoter has sole discretion over how the Submission is used. Entrants also confirm that they own or have the necessary rights to grant this permission and that the Submission does not infringe on any third party’s rights.
- The Promoter reserves the right, at any time, to verify any individual’s eligibility to enter the promotion and receive the reward (including the individual’s identity, age and place of residence) and reserves the right, at its sole discretion, to disqualify any individual if it has reason to believe that the individual has breached any of these Terms and Conditions, tampered with the Promotion, or engaged in any unlawful or improper misconduct calculated to jeopardise fair and proper conduct of the promotion. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
- If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, at its sole discretion, to the fullest extent permitted by law:
- To disqualify any individual; or
- To modify, suspend, terminate or cancel the promotion, as appropriate.
- The Promoter (including its respective officers, employees and agents) is not responsible for, and disclaims all liability (including but not limited to negligence), for any personal injury; or any loss or damage (including but not limited to loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of:
- any technical difficulties or equipment malfunction (whether or not under the Promoter’s control);
- any theft, unauthorised access, or third party interference;
- any 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;
- any variation in the reward value stated in these Terms and Conditions;
- any tax liability incurred by a participant; or
- use of the reward.
- Use of the Submission.
- Without limiting any other terms herein, the participant agrees to indemnify the Promoter for any breach of the above terms.
- The Promoter reserves the right to withdraw, extend, or otherwise vary this promotion or its Terms and Conditions at any time.