PEPPER MONEY VIP UPGRADES PROMOTION TERMS AND CONDITIONS

Terms and Conditions

1. Information on how to enter and the prize form part of these Terms and Conditions. Participation in this promotion is deemed acceptance of these Terms and Conditions.

2. The entrant is responsible for ensuring his or her familiarity with the Terms and Conditions at the time of participation. The Promoter’s decision not to enforce a specific restriction (whether communicated to an entrant or not) does not constitute a waiver of that restriction or of the Terms and Conditions generally.

3. All entrants acknowledge that the Promoter can rely on these Terms and Conditions even if the Promoter only learns of a person’s ineligibility after the Promoter has awarded a prize to the ineligible person. Return of a prize or payment of its equivalent value to the Promoter may be required by the Promoter if this occurs.

4. The Promoter’s decision in relation to any aspect of these Terms and Conditions and the Promotion is final and binding on every person who enters. No correspondence will be entered in to.

5. The promoter is Pepper Group Limited (ABN 55 094 317 665, Australian Finance Services Licence 286655; Australian Credit Licence 286655) of Level 27, 177 Pacific Highway, North Sydney NSW 2060, Australia, telephone number 13 73 77 (“Promoter”), authorised in NSW under Permit Number - NSW LTPM/19/04010.

PROMOTION PERIOD

6. The Promotion will commence at 12.01am AEST on 16/01/2019 and conclude at 11.59pm AEST on 23/04/2019 (Promotion Period).

WHO CAN ENTER

7. Entry in the Promotion is only open to NSW residents of Australia aged 18 years and over, excluding:

(a) management, employees, directors and contractors of the Promoter, its related entities, and other agencies, firms or companies associated with the Promotion (including suppliers of the prizes);

(b) a spouse, de-facto spouse, parent, guardian, child or sibling of a person referred to in paragraph 7(a) of these Terms and Conditions; (Eligible Entrants).

The persons referred to in paragraph 7(b) of these Terms and Conditions includes natural and non-natural relations (in the opinion of the Promoter) and the Promoter is responsible for determining whether a person is an Eligible Entrant in its absolute discretion.

 HOW TO ENTER

8. Entry is via the internet.

9. To enter, Eligible Entrants must visit www.pepper.com.au/wsw-vip, follow the prompts to the promotion entry page, input the requested details including their first and last name, date of birth, phone number, email address and postcode, select what services they are interested, within the time frames provided, to be contacted about from the drop down box (i.e. a home loan; 0-6 months, 6-12 months, 12+ months, a personal loan; yes or no, none of the above), select which Western Sydney Wanderers 2019 A-League home game they would an upgrade, tick if they opt to receive news of offers from the Promoter, tick the box agreeing to these Terms and Conditions and the Promoter’s Privacy Policy, and submit the fully completed online entry form so that it is received during the Promotional Period (Eligible Entry)

Eligible Entrants who have submitted an Eligible Entry will receive an additional two (2) Eligible Entries (i.e. 3 Eligible Entries in total) if they complete and submit a Pepper Money personal loan application between 12.01am AEST on 16/01/2019 and 11.59pm AEST on 23/04/2019 via the online application hosted at https://apply.myloanportal.com/applynow?p1=WSWCOMP;

10. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process or engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the promotion. Methods considered suitable for verification is at the Promoter’s sole discretion. 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

11. Incomplete, indecipherable or incomprehensible Pepper Money personal loan applications via the online application hosted at https://apply.myloanportal.com/applynow?p1=WSWCOMP will be deemed invalid.

12. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.

13. An Eligible Entry is deemed to be received at the time of receipt into the Promoter's database, not time of transmission by the entrant.

 VERIFICATION

14. If requested by the Promoter, Eligible Entrants must produce, within the time requested by the Promoter at its absolute discretion, appropriate photo identification or other documentation, required by the Promoter to verify their identity, age, eligibility to enter the Promotion and claim a prize (if won) and compliance with these Terms and Conditions. If the items required by the Promoter are not received or an entrant has not been verified to the satisfaction of the Promoter within the time period required by the Promoter, the entry submitted by the entrant will be deemed invalid.

15. Prizes will only be awarded following all verification requirements of the Promoter being met to its satisfaction.

16. Entrants can only enter the Promotion in their own name. Entrants who enter using multiple aliases (i.e. multiple names, addresses and/or email addresses) will be disqualified.

 PRIZE DRAWS AND PRIZE INFORMATION

17. All random manual prize draws will be conducted at the offices of the Promoter, Level 27, 177  Pacific Highway, North Sydney, NSW 2060 (Draw Location).

18. Prize draws will be conducted as per the table below. All times are AEST. All Eligible Entries received during the Promotion Period will be entered into the Prize Draw of their choice (determined on entry form);

 

  Entries Start Entries Close Draw Re-Draw (If necessary) No. of winners drawn Prizes
Draw 1 - WSW vs. Newcastle Jets 12.01am 16/01/2019 11.59pm 28/01/2019 12pm 29/01/2019 12pm 30/01/2019 2

Two (2) winners will be awarded two (2) corporate hospitality tickets to the WSW vs. Melbourne Victory home game taking place on 1st February 2019 at ANZ Stadium; Edwin Flack Ave, Sydney Olympic Park, NSW 2127, valued at $250 per ticket (including GST), 2 x Pepper Money goodie bag valued at $25 per game AND food and beverage throughout the match. Tickets to be collected from ANZ Stadium on the day of the game. Game time and collection gate will be confirmed by the Promoter.

 

Draw 2 - WSW vs. Melbourne City FC 12.01am 16/01/2019 11.59pm 26/03/2019 12pm 27/03/2019 12pm 28/03/2019 2

Two (2) winners will be awarded two (2) corporate hospitality tickets to the WSW vs. Melbourne City FC home game taking place on the 30th March 2019 at ANZ Stadium; Edwin Flack Ave, Sydney Olympic Park, NSW 2127, valued at $250 per ticket (including GST) AND 2 x Pepper Money goodie bag valued at $25 per game. Tickets to be collected from ANZ Stadium on the day of the game. Game time and collection gate will be confirmed by the Promoter.

 

Draw 3 - WSW vs.  Sydney FC 12.01am 16/01/2019 11.59pm 09/04/2019 12pm 10/04/2019 12pm 11/04/2019 2

Two (2) winners will be awarded two (2) corporate hospitality tickets to the WSW vs. Sydney FC home game taking place on the 13th April 2019 at ANZ Stadium; Edwin Flack Ave, Sydney Olympic Park, NSW 2127, valued at $250 per ticket (including GST), 2 x Pepper Money goodie bag valued at $25 per game AND food and beverage throughout the match.  Tickets to be collected from ANZ Stadium on the day of the game. Game time and collection gate will be confirmed by the Promoter.

Draw 4 - WSW vs. Melbourne Victory 12.01am 16/01/2019 11.59pm 23/04/2019 12pm 24/04/2019 12pm 25/04/2019 2

Two (2) winners will be awarded two (2) corporate hospitality tickets to the WSW vs. Melbourne Victory FC home game taking place on the 27th April 2019 at ANZ Stadium; Edwin Flack Ave, Sydney Olympic Park, NSW 2127, valued at $250 per ticket (including GST), 2 x Pepper Money goodie bag valued at $25 per game AND food and beverage throughout the match. Tickets to be collected from ANZ Stadium on the day of the game. Game time and collection gate will be confirmed by the Promoter.

 

 

19. Total prize pool value is up to $12,000 (including GST). No individual prize exceeds $1000 and total value of prizes do not exceed $100,000.

20. A winner may elect to take a person under 18 years of age with them to the prize game/event, but in such instance they agree to act as their companion’s guardian for the duration of the game/event. Winners will be required to present ID to gain entry to ANZ or Spotless Stadiums.

21. Participation in a prize is subject to such other terms and conditions as may be imposed by those involved in providing goods or services included in the prizes. The (Third Party Terms of Western Sydney Wanderers) can be found here

22. Prize winners and nominated companions are responsible for compliance with all applicable Third Party Terms and bear all risks associated with failure to comply with any of them. They will be required to maintain an acceptable standard of behavior while a participant in their prize. The Promoter assumes no liability (and will provide no compensation) to any winner and/or nominated companion who, as a result of any failure to comply with any Third Party Terms:

(a) is unable to participate in a prize (or any part of it); or

(b) suffers any other loss or damage.

23. Prizes cannot be sold, scalped, auctioned, raffled, pledged, or promoted as an incentive or reward by any prize winner or third party as an inducement for any person or other entity to enter into any commercial or other arrangements with that prize winner or third party. If a prize is obtained through any of these methods, it will not be honoured.

NOTIFICATION OF WINNERS

24. All prize winners will be notified in writing via email and by phone following the respective prize draw, with details regarding how to claim their prize.

25. Prize winners will be advertised on www.pepper.com.au/wsw-vip from 30/01/2018.

UNCLAIMED PRIZE DRAW/S (IF ANY)

26. If a Prize winner is not contactable within 24 hours of the respective Prize Draw, an additional manual prize draw will be contacted at the applicable Re-Draw date and time specified in the table in paragraph 18 at the Draw Location and replacement winners will be drawn and contacted in writing via email and by phone (Prize Re-Draws).

NOTIFICATION OF RE-DRAW WINNER/S (IF ANY)

27. The Re-Draw winner/s, if any, will be notified in writing and by phone.

28. The Prize Re-Draw winner/s, if any, will be advertised on www.pepper.com.au/wsw-vip from 31/01/2018.

GENERAL

29. If more than one person attempts to claim a prize, the Promoter has sole and absolute discretion to determine which of those persons the winning entrant is.

30. Prizes are not transferable, exchangeable or redeemable for cash. Prizes must be taken as offered and may not be varied. It is a condition of accepting a prize that all components of the prize be taken by the time(s) and on the date(s) specified by the Promoter. If for any reason a winner does not take the prize (or a portion of it) by the relevant time, then the entire prize (or that portion of it) will be forfeited by the winner and no cash, replacement prize or other compensation will be awarded in lieu of the prize.

31. The Promoter shall not be liable for the prizes being lost, stolen, damaged or tampered with in any way before they reach the winners or after they have been released to the winners.

32. The Promoter accepts no responsibility for any variation in the value of the prizes from the time of printing Promotion materials.

33. If the Promoter is unable to provide a winner(s) with a nominated prize, the Promoter reserves the right to supply an alternative prize of similar monetary value to the nominated prize, subject to any directions given by the NSW gaming department.

34. The Promoter accepts no responsibility for any entries not received for any reason during the Promotion Period. No responsibility will be taken for lost, late or misdirected entries.

35. If, for any reason, the Promotion is not capable of being run as planned, including due to infection by computer virus, bugs, tampering, unauthorised intervention, fraud or any other causes beyond the control of the Promoter, which corrupt or affect the administration, security, fairness, integrity or proper conduct of the Promotion, the Promoter reserves the right in its absolute discretion to take any action that may be available to it, subject to NSW gaming regulations, including cancelling, terminating, modifying or suspending the Promotion.

36. Any entrant who, in the opinion of the Promoter, tampers or interferes with the entry mechanism in any way, engages in any unlawful or improper conduct which jeopardises or is likely to jeopardise the fair or proper conduct of the Promotion, or who does not properly comply with the entry process, will be ineligible to win.

37. The:

(a) Promoter, the Promoter's related entities and all agencies associated with the Promotion; and

(b) employees, agents, directors and contractors, of all entities referred to in paragraph 37(a), shall not be liable for any loss or claim, action, demand, liability, damage, cost, expense or personal injury whatsoever (including but not limited to any direct, indirect or consequential loss), incurred, suffered or sustained by any person or entity (without limitation) in connection with, or arising from, the Promotion or the acceptance or use of the prizes, except that which cannot be excluded by law (in which case that liability is limited to the maximum extent allowable by law).

38. The Promoter accepts no responsibility for any tax liabilities that may arise from winning or receiving the benefit of a prize.

39. Prize winners must, at the Promoter's request, participate in any Promotion activity (such as publicity and photography) relating to the winning of a prize, free of charge, and they consent to the Promoter using their name and image in any future promotional material.

40. CAUTION: Any attempt to deliberately undermine the legitimate operation of this Promotion may be a violation of criminal and civil laws and should such an attempt be made, whether successful or not, the Promoter reserves the right to seek damages to the fullest extent permitted by law.

 PERSONAL INFORMATION

41. Immediately upon submission by an entrant, their entry becomes the sole property of the Promoter.

42. All information entrants provide (Personal Information) will be used by the Promoter for the purpose of administering this Promotion and contacting and verifying the winners. Entry is conditional on providing this information.

43. The Promoter may, for the purpose of administering this Promotion, disclose entrants' Personal Information to its contractors and agents. The Promoter may also disclose Personal Information to others including as required to Australian regulatory authorities. The collection, use and disclosure of Personal Information provided in connection with this Promotion is governed by the Promoter’s privacy policy, available at http://www.pepper.com.au/privacy-policy or by calling 1800 737 737.

44. Further, if an entrant elects to opt-in to the Promoter’s future marketing materials by placing a tick in the relevant box on the Online Entry Form, the entrant agrees to their Personal Information being entered into a database which may be used by the Promoter, the Promoter's related entities, and agencies engaged by the Promoter, for the Promoter's current and future promotional and marketing purposes without further reference or compensation to the entrant.

45. Entrants may request to update or correct their Personal Information held by the Promoter and/or may request that they not receive further Promotional or marketing communications from the Promoter at any time electing to ‘opt out’ by using the ‘opt out’ function on any marketing materials received, or by contacting the Promoter at 1800 737 737 or by writing to:

The Privacy Officer

Pepper Group Limited

PO Box 6186

NORTH SYDNEY NSW 2060