Australian Competitions Club

https://www.qtmb.com.au/Legal/Terms-and-Conditions/Win-$20000-off-your-home-loan

Win $20,000 off your home loan
Terms and Conditions of Entry
Entering this competition is deemed acceptance of these terms and conditions of entry by each entrant.
The promoter is QT Mutual Bank Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 (QT Mutual Bank) of 454 St Paul’s Terrace, Fortitude Valley Qld 4006.
Entry into this promotion is open to Queensland residents aged 18 years and over. QT Mutual Bank reserves the right to exclude any entry in its absolute discretion.
The promotion starts at 8.30am (AEST) 6 October 2015 and ends at 5pm (AEST) 29 January 2016 (promotion period).
Entry into the prize draw is automatic for customers approved for a new owner-occupied home loan or a refinance of an owner-occupied home loan from another financial institution to QT Mutual Bank during the promotion period. Excludes customers switching from one QT Mutual Bank loan product to another loan product. Minimum loan amount is $250,000. Entrants will receive one entry into the draw. Joint applicants will be entitled to one entry only and, if they win, will share the prize jointly. Split loans will be eligible for one entry only.
The winner of the prize draw will be the first eligible entrant randomly drawn at 10am (AEST) 12 February 2016 at QT Mutual Bank, 454 St Paul’s Terrace, Fortitude Valley Qld 4006. The winner will be announced on 12 February 2016 and their name and city will be published on QT Mutual Bank’s website and social media channels for a minimum period of 28 days from 12 February 2016. QT Mutual Bank will take reasonable steps to notify the winner of the result by phone and/or email.
Funding of the customer’s home loan must occur by 6pm (AEST) 31 March 2016; otherwise, the winner forfeits the prize. If this occurs, the unclaimed prize will be redrawn at 10am (AEST) 7 April 2016 in the same manner as the initial prize winner. The winner of any unclaimed prize will be notified by email and/or telephone.
The prize involves QT Mutual Bank crediting $20,000 to the winner’s home loan account with QT Mutual Bank within 30 days of funding date or draw date, whichever is later. 
It is a condition of accepting the prize that the winner may be required to sign a legal release in a form determined by QT Mutual Bank in its absolute discretion. QT Mutual Bank, its related bodies corporate, officers, employees and agents shall not be liable for, and shall be held harmless from, any loss, damage, or injury whatsoever which is suffered (including but not limited to direct or consequential loss) or sustained, as a result of or arising from the winner’s acceptance and use of any of the prizes, except for any liability which cannot be excluded by law. QT Mutual Bank will not be responsible for any act, omission, failure or delay not reasonably within their control.
Entrants consent to QT Mutual Bank using the entrant's name, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period of time without remuneration or compensation for the purpose of promoting, publicising or marketing this promotion (including any outcome), and promoting any products and services by QT Mutual Bank. The winner agrees to participate in all promotional activities in relation to the promotion as requested by QT Mutual Bank.
QT Mutual Bank’s decision on all matters relating to the prize draw or the promotion is final and no correspondence will be entered into.