Australian Competitions Club

https://ybr.com.au/fairgo


I know many Australians are doing it tough out there right now.

Through no fault of their own, homeowners are having to manage skyrocketing mortgage repayments.

The Reserve Bank of Australia’s decision to increase the official cash rate for the past 10 consecutive meetings has left nearly 800,000 Australians at risk of mortgage default. At YBR Home Loans, we’re on a mission to hear the voices of those impacted most by this aggressive increase in interest rates.

We want to hear from you… your story, your struggles and particularly, if you’re worried about your ability to meet your mortgage repayments.

My team and I are going to randomly select five mortgage holders from across Australia who are struggling with their mortgage repayments, to give away twelve thousand dollars to each winner in order to help ease the strain of rapidly increasing interest rates.

If you’re going to struggle to meet your mortgage repayments as you come off your fixed interest rate, or if you’re already struggling to meet your repayments, please fill out the details below and outline your circumstances.

By filling out your details below, my team at YBR Home Loans will review your situation, and if you’d like, one of our experienced mortgage brokers will reach out to you to offer what assistance they can.

Thank you for taking the time to share your story and we will be in contact shortly with more details about this process.

Kind Regards,



Full Terms & Conditions of the Yellow Brick Road Group Competition
Terms & Conditions (‘Terms’)
Schedule
Promotion: Yellow Brick Road (YBR Home Loans) – YBR Giveaway.
Promoter: Yellow Brick Road Group Pty Ltd (ABN 58 124 415 194; ACN 124 415 194) of Level
11, 1 Chifley Square, Sydney NSW 2000, phone 02 8226 8200, a company incorporated in
Australia under the Corporations Act 2001 (Cth) (Yellow Brick Road).
Promotional Period: The Promotion commences at 09:00am AEST on Wednesday, 8 March
2023 and closes at 11:59pm AEST on Thursday, 6 April 2023.
Eligible entrants: Entry is only open to Australian residents who are 18 years and over and
have an existing home loan. Employees, management, agents, in-house contractors of the
Promoter or its related entities (or immediate family members of such people) or of retailers
or agencies associated with the Promotion and the resultant draw are ineligible to enter.
How to Enter: To enter the Promotion, the entrant must, during the Promotional Period,
visit Yellow Brick Road (ybr.com.au) and fully complete and submit the entry form, including
the options to be contacted (or not) by a YBR Home Loans mortgage broker, and consent to
receive email communications.
Entries permitted: Entrants who enter the Promotion more than once will be regarded as
having entered the draw once only. Entrants can enter the Promotion only in their own
name.
Total Prize Pool: AUD $60,000.00 in total.
Prize Description: 5 cash prizes of $12,000 for each winner.
Winning Method: Draw: computerised random selection to take place at 12:00pm AEST on
Thursday, 13 April 2023 at Yellow Brick Road, Level 11, 1 Chifley Square, Sydney NSW 2000.
Winner notification: The winners will be contacted by phone and in writing within seven (7)
business days of the draw. The winners will be published at YBR.com.au/ fairgo/winners by
Friday, 28 April 2023.
Unclaimed Prizes: Prizes must be claimed by Friday, 12 May 2023 at 12:00 pm AEST. In the
event of an unclaimed prize, the prize will be redrawn on Thursday, 18 May 2023 at 12:00 pm
AEST at Yellow Brick Road, Level 11, 1 Chifley Square, Sydney NSW 2000. The redraw winners
will be notified by phone and in writing within seven (7) days of the redraw. The winners will
be notified publicly (and their details published) at YBR.com.au/fairgo/winners by Thursday,
25 May 2023.
Terms and Conditions
1) The entrant agrees and acknowledges that they have read these Terms and
Conditions of Entry (and Schedule) and that entry into the Promotion is deemed to
be acceptance of these Terms and Conditions of Entry (and Schedule). Any
capitalised terms used in these Terms and Conditions of Entry have the meaning
given in the Schedule, unless stated otherwise.
2) The Promotion commences on the Start Date and ends on the End Date
(“Promotional Period”). Entries are deemed to be received at the time of receipt by
the Promoter and not at the time of transmission or deposit by the entrant. Records
of the Promoter and its agencies are final and conclusive as to the time of receipt.
3) Only valid and eligible entries will be accepted during the Promotional Period and
win the Prize.
4) Employees (and their immediate family members) of the participating venues,
agencies/companies directly associated with the conduct of this Promotion, the
Promoter, businesses involved in the determination of winner/s for the Promotion,
businesses involved in the management of the Promotion, any organisation
benefiting from the Promotion, the Promoter’s distributors, suppliers, subsidiary
companies/ businesses and associated companies and agencies are not eligible to
enter. ‘Immediate family member’ 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 1st cousin.
5) Draw:
a) The draw will take place at Yellow Brick Road, Level 11, 1 Chifley Square, Sydney
NSW 2000, at 12:00 pm AEST on Thursday, 13 April 2023 using computerised
random selection.
b) The first five (5) valid entries drawn will be the winners of the prizes specified in
the Schedule above.
c) The draw conductor may draw additional reserve entries if an invalid entry or
entrant is drawn.
d) If a draw is scheduled on the weekend or a public holiday, the draw will be
conducted at the same time and location on the following business day. The
Promoter will ensure each draw is open for public scrutiny and anyone may witness
the draw on request. The winner of a drawn prize is determined by chance.
6) All reasonable attempts will be made to contact each winner.
7) If any winner chooses not to take their prize (or is unable to) or does not take or
claim a prize by the time specified by the Promoter, or is unavailable, they forfeit the
prize and the Promoter is not obliged to substitute the prize.
8) The Promoter charges no fee to enter the Promotion. Entry is online, there is no
additional cost to enter the Promotion other than any cost paid by the entrant to
access the website or social media platform of entry via their Internet service
provider.
9) Each prize will be awarded to the person named in the entry and any entry that is
made on behalf of an entrant or by a third party will be invalid. If there is a dispute
as to the identity of an entrant or winner, the Promoter reserves the right, in its sole
discretion, to determine the identity of the entrant or winner.
10) The Promoter may prohibit any person’s participation in this Promotion, cancel or
suspend the prize (or part thereof) if the Promoter considers that an entrant has
conducted himself/herself in a manner, which may diminish the Promoter’s name or
reputation, is in bad faith, or is designed to gain an unfair advantage, is fraudulent or
otherwise contrary to law or these Terms, or is otherwise inappropriate.
11) Entrants' personal information will be collected by the Promoter and The Mentored
Platform Pty Limited (ABN 19 623 379 555) (Mentored). Personal information will be
stored on the Promoter's and Mentored's databases. The Promoter and Mentored
may use this information for future marketing purposes regarding its products,
including contacting the entrant electronically.
12) The Promoter and Mentored is bound by the Australian Privacy Principles in
accordance with the Privacy Act 1988 (Cth) and its privacy policy which is located
at http://www.YBR.com.au/privacy-policy. The Promoter's privacy policy contains
information about how the entrant may access, update and seek correction of the
personal information the Promoter holds about them and how the entrant may
complain about any potential breach by the Promoter of the Australian Privacy
Principles or any other Australian privacy laws and how such complaints will be dealt
with.
13) The Promoter collects personal information about entrants to enable them to
participate in this Promotion and may disclose the entrants' personal information to
third parties including its contractors and agents, prize suppliers and service
providers to assist in conducting this Promotion and to the State and Territory lottery
departments as required under the relevant lottery legislation. If the entrant does
not provide their personal information as requested, they may be ineligible to enter
or claim a prize in the Promotion. Personal information collected from entrants will
not be disclosed to any entity located outside of Australia.
14) For the purposes of public statements and advertisements, the Promoter may only
publish the winner's or the re-draw winner’s surname, initial and State/Territory or
postcode of residence.
15) It is a condition of accepting the prize that a winner may be required to sign a legal
release as determined by the Promoter in its absolute discretion, prior to receiving a
prize.
16) If for any reason any aspect of this Promotion is not capable of running as planned,
including by reason of computer virus, communications network failure, bugs,
tampering, unauthorised intervention, fraud, technical failure or any cause beyond
the control of the Promoter, the Promoter may in its sole discretion cancel,
terminate, modify or suspend the Promotion and invalidate any affected entries, or
suspend or modify a prize, subject to State or Territory regulation.
17) The Promoter reserves the right, at any time, to validate and check the authenticity
of entries and entrant’s details (including an entrant’s identity, age and place of
residence). In the event that a winner cannot provide suitable proof as required by
the Promoter to validate their entry, the winner will forfeit the prize in whole and no
substitute will be offered.
18) Incomplete, indecipherable, inaudible, incorrect and illegible entries, as applicable,
will at the Promoter's discretion be deemed invalid and not eligible to win. Entries
containing offensive or defamatory comments, or which breach any law or infringe
any third party rights, including intellectual property rights, are not eligible to win.
The use of any automated entry software or any other mechanical or electronic
means that allows an individual to automatically enter repeatedly is prohibited and
may render all entries submitted by that individual invalid.
19) The Promoter reserves the right to disqualify entries in the event of non-compliance
with these Conditions of Entry. In the event that there is a dispute concerning the
conduct of the Promotion or claiming a prize, the Promoter will resolve the dispute