Introduction

1. Participation in this promotion is deemed acceptance of these Terms and Conditions. 
2. The Promoter is Now Finance Group Pty Ltd ACN 158 703 612 Australian Credit Licence number 425142 (“the Promoter”). 
3. The promotion commences at 12.00am AEST on Sunday 1 June 2025 and closes at 11:59pm AEST Thursday 31 July 2025 (“Promotional Period”). 

Eligibility

4. Entry into this promotion is open to any individual who:
   • is 18 years or older; and
   • is a resident of Australia; and
   • is not otherwise excluded under these Terms and Conditions

Exclusions

5. Entry is only available to persons who are Australian residents and are 18 years and over (“Eligible Entrants”).
6. Employees (and their immediate family members) of the Promoter, businesses including subsidiary companies/businesses and associated companies, contractors of the Promoter, brokers and agencies associated with the Promoter are not eligible to enter.  Immediate family means: 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.

How to enter

7. Eligible Entrants may earn entries into the draw by completing one, two, or all three of the following actions outlined in the table below during the Promotional Period. Entries are awarded per action and are cumulative, subject to the specific conditions and limitations outlined below.

Method of Entry	Entries awarded	Conditions
1. Complete the online entry form on: https://nowfinance.com.au/2025-5000-giveaway-tick-it-to-win-it/ and tell the Promoter what personal loan products you’re interested in, and what you might use a loan for. You must also provide your first name, last name, postal code, and a valid email address.	1 entry	Limit of one entry per person during the Promotional Period. Multiple submissions will not result in additional entries. All eligible individuals can complete this step.
2. Submit a quote for an eligible Now Finance Personal Loan^.	5 entries	Limit of one quote entry during the Promotional Period. Multiple quotes will not result in additional entries. Individuals who submit quotes via a broker are not eligible for this entry method.
3. Apply for an eligible Now Finance Personal Loan^.	10 entries	Limit of one loan application entry per person during the Promotional Period. Additional loans applied for will not earn additional entries. Loans applications received via brokers are not eligible for this entry method.

8. Where an Eligible Entrant is a couple or made up of multiple applicants submitting a a personal loan quote or loan application, they will each be considered as a separate Eligible Entrants and will remain eligible to receive full entries for each Method of Entry they personally complete. Either one or both Eligible Entrants may win, as entries are allocated on an individual basis rather than a per-loan basis.
9. The Promoter does not guarantee that Eligible Entrants  who complete the online entry form in accordance with Method of Entry Option #1 will be eligible to submit a loan quote, nor that Eligible Entrants who submit a quote (Entry Option #2) and/or apply for a Personal Loan (Entry Option #3) will satisfy all lending and approval criteria as determined by the Promotor in its sole discretion. The Promoter is under no obligation to award entries to any individual who is ineligible to complete one or more of these steps, regardless of their intention to do so. The Promoter accepts no liability in relation to any Eligible Entrant’s inability to proceed with a quote or application, and makes no representations or warranties that any particular individual will meet the relevant criteria.
10. Eligible Entrants 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.

Prize details

11. This promotion consists of one (1) draw, where there are five (5) winners who will each receive a prize of AUD$1,000 (“The Prize”). As there will be five (5) winners, the total value of the Prize Pool is AUD$5,000.
12. The prize will be delivered via Electronic Funds Transfer (EFT) to the bank account details provided by the winner.
13. All winners must provide their Australian bank account details to the Promoter in order for their prize to be awarded.

Drawing the winners

14. The draw will be conducted at the Promoter’s Head Office located at Level 9, 380 St Kilda Road, Melbourne 3004, Victoria, Australia.
15. The draw will take place at 10:00am AEST on Monday 11 August 2025 (“Draw Date”). Five (5) Eligible Entrants who entered the Promotion during the Promotional Period will be randomly selected using an electronic draw system.
16. The draw is conducted as a game of chance where each valid entry represents one chance to win. The more entries an Eligible Entrant has submitted, the higher their chances of being drawn. Five (5) winning entries will be drawn from the total pool of valid entries.
17. Each Eligible Entrant is only eligible to win one (1) prize. If the same person is drawn more than once, they will only be awarded one (1) prize. In such cases, a further draw will be conducted immediately to select a new winner from the remaining pool of valid entries, until five (5) unique winners have been selected.
18. By entering this promotion, entrants acknowledge and agree that should they be selected as a winner, their name and other identifying details, as required by law, will be published on: https://nowfinance.com.au/legal-and-policies/winners-tick-it-to-win-it-5000-giveaway/ for a period of 30 days from the date of the prize draw. By participating in the promotion, entrants expressly consent to this use and disclosure of their personal information in the event they win a prize.

Notifying winners & Prize redemption

19. Winners will be notified via their nominated email address within five (5) business days of the Draw Date.
20. Once the winners have been notified, to accept the Prize:
    • Eligible Winners must respond via email within twenty-eight (28) days of being notified and provide their current Australian bank account details, including the account name, BSB, and account number.
    • Winners should allow up to thirty (30) days from confirmation of acceptance to receive the Prize.
    • The Prize will be delivered as outlined in paragraph 12.
21. If the winner does not receive the Prize within 30 business days from the date they were notified, they should contact NOW Finance at marketing@nowfinance.com.au.
22. It is the winner’s responsibility to ensure the details they have provided to the Promoter, including their bank details, email address, and phone number, are accurate.
23. The Promoter will make reasonable efforts to deliver the Prize to each winner.
24. 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.
25. 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 incidents that result in the Prize being directed to a third party. It is the winner’s responsibility to ensure the Promoter has accurate and up-to-date bank account details.
26. The Prize, including any unused portion, is not transferable or exchangeable.

Unclaimed Prize Draw

27. If any of the five (5) AUD $1,000 Prizes are not accepted or claimed in accordance with paragraph 20, an Unclaimed Prize Draw will be conducted on Tuesday, 9 September 2025, at the same location and using the same selection method described in paragraphs 19 to 21 (“Unclaimed Prize Draw”).
28. Winners of the Unclaimed Prize Draw will be notified via their nominated email address within five (5) business days and must confirm acceptance of the Prize within twenty-eight (28) days of notification. To accept the Prize, Unclaimed Prize Draw winners must follow the process outlined in paragraph 20.

Privacy Statement and Marketing Consent

29. 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 NOW Finance’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. Individuals who do not agree to the Privacy Policy should not participate in the promotion.
30. The Promoter and associated parties may 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 NOW Finance at 1300 275 669 or via email at: marketing@nowfinance.com.au.

General

31. The Promoter reserves the right, at any time, to verify any individual’s eligibility to enter the promotion (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.
32. 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:
    1. To disqualify any individual; or
    2. To modify, suspend, terminate or cancel the promotion, as appropriate.
33. 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:
    1. any technical difficulties or equipment malfunction (whether or not under the Promoter’s control);
    2. any theft, unauthorised access, or third party interference;
    3. 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;
    4. any variation in the reward value stated in these Terms and Conditions;
    5. any tax liability incurred by a participant; or
    6. use of the reward.
34. Without limiting any other terms herein, the participant agrees to indemnify the Promoter for any breach of the above terms.
35. The Promoter reserves the right to withdraw, extend, or otherwise vary this promotion or its Terms and Conditions at any time.

Permit No ACT TP 25/01166

NOW Finance is a trademark of NOW Finance Group Pty Ltd ACN 158 703 612 Australian Credit Licence 425142, as agent for NF Finco 2 Pty Ltd ACN 164 213 030.