1. The promoter is Pepper Group Limited (ABN 55 094 317 665, Australian Credit Licence 286655) of Level 27, 177 Pacific Highway, North Sydney NSW 2060, Australia, telephone number 13 73 77 (“Promoter”).

2. The Promotion will commence at 12.01am AEST on 14/12/2017 and conclude at 11.59pm AEST on 31/03/2018 (Promotion Period).

3. This promotion is only available to new Pepper Money home loans, car loans and personal loan products. Applications must be submitted by 31 March 2018 and must settle within 6 months if application

4. The applicant is responsible to make reference to the promotion at time of application to avail of the coffee offer.

5. The reward comprises of a prepaid gift card (Card) loaded with $875 credit for settled home loans and $217 credit for settled car loans or personal loans.

6. The Card is a prepaid top up gift card. It can be used for purchasing goods at either of the Naked Duck Café North Sydney. The Card is not a credit card and nor is it linked to a deposit account. 

7. The Card cannot be substituted for an alternative reward or for cash. Pepper Money is not responsible for, or liable to replace, lost or damaged cards whatsoever.

8. The Card is issued The Naked Duck Café 177 Pacific Hwy, North Sydney NSW 2060

9. The Card is not transferable, exchangeable or redeemable for cash. It must be taken as offered and may not be varied.

10. The entrant is responsible for ensuring his or her familiarity with the Conditions of the Promotion.