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| | |-Comping Club  Heritage Bank - Win 1/16 Back Insurance Premium/Purch/Weekly Draws(Qld & NSW
Entry Details
  • Win Back Insurance Premium     Closing Date: Thursday 30 September 2021

Prizes you can win
 Category   • Cash & Vouchers 
Prizes may include Cash, Vouchers, Subscriptions, Gift Cards etc ...
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file:///C:/Users/chris/Downloads/20210809%20Win%20Your%20Insurance%20Premium%20Back%20Promotion.pdf

“Win Back Your Insurance Premium” Promotion
Terms and Conditions
1. Information on how to enter the promotion and the prize(s) forms part of these Terms and
Conditions. Participation in this promotion is deemed acceptance of these Terms and
Conditions.
2. This promotion is being conducted by Heritage Bank Limited ABN 32 087 652 024
(Heritage), AFSL and Australian Credit Licence 240984 of 400 Ruthven Street, Toowoomba
QLD 4350, telephone 13 14 22.
3. The promotion is open to Queensland and New South Wales residents (excluding Heritage
and associated agency employees and their immediate families) over the age of 18 years,
who are Heritage members. Immediate family means any of the following: spouse, exspouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, stepparent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, stepbrother, step-sister or first cousin.
4. Entries into the promotion open at 12am AEDT on 1 August 2021 and close at 11:59pm
AEST on 30 September 2021 (Promotional Period).
5. To enter the promotion, an entrant must be a Heritage customer and purchase a new Home
and Contents or Landlord insurance policy (Policy) through Heritage either in-branch,
online or through the Heritage Contact Centre, during the Promotional Period. Renewals of
existing policies are not an entry into the promotion.
6. A Policy will be deemed to be an eligible Policy when:
a. Heritage receives:
i. Full payment of the annual eligible Policy premium; or
ii. If paying by the month, the entrant’s nominated bank details to enable
monthly instalments of the eligible Policy premium to be deducted; and
b. The Policy has not lapsed or been cancelled at the date on which the entrant’s prize
is drawn.
7. Multiple entries are permitted, subject to the following:
a. an entrant will receive one (1) automatic entry per Policy into the prize draw for
each eligible Policy type purchased by them on any given day during the
Promotional Period; and
b. each entry must be submitted separately and in accordance with entry
requirements.
8. If an eligible Policy is held in joint names, the entrant will be deemed to be the first person
named on that eligible Policy. If there is a dispute as to the identity of an entrant, Heritage
reserves the right, in its sole discretion, to determine the identity of the entrant.
CLASSIFICATION: CONFIDENTIAL
9. A total of sixteen (16) winners will be drawn during the Promotion Period, with two (2)
winners drawn in each draw over a total of eight (Cool draws. Two (2) entries from all entries
received prior to the date of the draw, will be randomly drawn by a representative of
Heritage at Heritage Bank, 400 Ruthven Street, Toowoomba. Draws will be held at 12noon
AEDT or AEST (as applicable) on the following dates:

1. Tuesday, 10 August 2021 entries received between 1st and 8th August
2. Tuesday, 17 August 2021 entries received between 9th and 15th August
3. Tuesday, 24 August 2021 entries received between 16th and 22nd August
4. Tuesday, 31 August 2021 entries received between 23rd and 29th August
5. Tuesday, 7 September 2021 entries received between 30th August and 5th
September
6. Tuesday, 14 September 2021 entries received between 6th and 12th September
7. Tuesday, 21 September 2021 entries received between 13th and 19th September
8. Monday, 4 October 2021 entries received between 20th and 30th September
10. Heritage may draw additional reserve entries and record them in order in case an invalid
entry or ineligible entrant is drawn. Heritage’s decision is final and no correspondence will
be entered into.
11. The first two (2) valid entries in each draw will each win a cash payment equivalent to the
total value of the winner’s eligible Policy premium for the first 12 months, up to a
maximum amount of $2,000. Prizes will be issued by electronic transfer to the winner’s
nominated bank account. The total value of the prizes to be awarded in this promotion will
not exceed AUD$36,000.
12. If a winner has elected to pay their policy by monthly installments, they will be reimbursed
the entire cost of their premium, however will continue to have their monthly instalments
deducted from their nominated bank account as set out in their policy.
13. Winners will be notified by telephone and/or SMS and/or email within two (2) business
days after each draw. Heritage account details will be used to notify the winners. Winners
will be published on heritage.com.au/terms-conditions from 7 October 2020.
14. Heritage takes no responsibility if the winners' details are incorrect or if the winners cannot
be contacted. If prizes are unclaimed by close of business on 4 November 2021, a redraw of
any unclaimed prizes will occur at 12noon AEDT or AEST (as applicable) from 3 November
2020 at the same place as the original draws, subject to any directions from a regulatory
authority and if required, in the presence of an independent scrutineer. These winners, if
any, will be notified by telephone and/or SMS and/or email within two (2) business days
after the draw. Heritage account details will be used to notify the winners. Winners will be
published on heritage.com.au/terms-conditions from 8 November 2021.
15. Subject to the unclaimed prize draw clause, if for any reason a winner does not take a prize
by the time stipulated by Heritage, then the prize will be forfeited.
16. The prize may constitute assessable income and, as such, entrants should seek
independent financial advice to determine their taxation obligations.
CLASSIFICATION: CONFIDENTIAL
17. Heritage reserves the right, at any time, to verify the validity of each entry and to disqualify
any entrant who Heritage reasonably believes has breached these Terms and Conditions,
tampered with the entry process or engaged in any unlawful or other improper misconduct
to risk fair and proper conduct of this promotion. Errors and omissions may be accepted at
Heritage's discretion. If Heritage fails to enforce any of its rights at any stage this does not
constitute a waiver of those rights and rights to recover damages or other compensation
are reserved.
18. 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 Heritage,
including but not limited to technical difficulties, unauthorised intervention or fraud,
Heritage reserves the right, in its sole discretion, to the fullest extent permitted by law: (a)
to disqualify any entrant; or (b) subject to any written directions from a regulatory
authority, to modify, suspend, terminate or cancel the promotion, as appropriate.
19. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit,
exclude or modify the statutory consumer guarantees as provided under the Competition
and Consumer Act, as well as any other implied warranties under the ASIC Act or similar
consumer protection laws in the States and Territories of Australia (“Non-Excludable
Guarantees”). Except for any liability that cannot by law be excluded, including the NonExcludable Guarantees, Heritage (including its respective officers, employees and agents)
excludes all liability (including negligence), for any personal injury; or any loss or damage
(including loss of opportunity); whether direct, indirect, special or consequential, arising in
any way out of the promotion.
20. Except for any liability that cannot by law be excluded, including the Non-Excludable
Guarantees, Heritage (including its respective officers, employees and agents) is not
responsible for and excludes all liability (including negligence), for any personal injury; or
any loss or damage (including loss of opportunity); whether direct, indirect, special or
consequential, arising in any way out of: (a) any technical difficulties or equipment
malfunction (whether or not under Heritage’s control); (b) any theft, unauthorised access or
third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or
misdirected (whether or not after their receipt by Heritage) due to any reason beyond the
reasonable control of Heritage; (d) any variation in prize value to that stated in these Terms
and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) a prize.
21. Privacy Notice: Entry is conditional on providing the requested personal information. By
entering this promotion, entrants consent to the retention, use and disclosure of their
personal information by Heritage in the following ways:
a. For the purposes of the promotion and any matter connected to the promotion;
b. If the entrant is a winner in this promotion, entrants consent to Heritage using their
name, likeness, image and/or voice for publicity purposes in any media for an
unlimited period without remuneration, compensation or prior notice to the entrant
for the purpose of promoting this promotion (including any outcome), and
promoting any products manufactured, distributed and/or supplied by Heritage.;
c. In addition to any use that may be outlined above, sending entrants publications
and communications about events, promotions, products and services. This includes
distributing marketing material for goods and services offered by Heritage, its
related bodies corporate and businesses which have arrangements with Heritage or
CLASSIFICATION: CONFIDENTIAL
its related bodies corporate. Entrants agree that communications with them may be
sent by post, email and SMS.
22. Heritage may disclose personal information to third parties for the above purposes
including but not limited to agents, contractors, service providers, prize suppliers and, as
required to Australian regulatory authorities. For the purpose of conducting this promotion
and sending offers and information to entrants, Heritage will not disclose the entrant’s
personal information to entities outside of Australia. Heritage’s Privacy Policy is available
in-branch or at heritage.com.au/terms-conditions/privacy-policy. The Privacy Policy also
contains information about how entrants may opt out, access, update or correct their PI,
how entrants may complain about a breach of the Australian Privacy Principles or any other
applicable law and how those complaints will be dealt with. All entries become the property
of Heritage.
23. Heritage arranges Home or Landlord insurance as agent of the insurer Allianz Australia
Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Heritage does not provide
any advice based on any consideration of personal objectives, financial situation or needs in
relation to such insurance. Terms, conditions, limits and exclusions apply to all insurance
policies. Before making a decision, please consider the Product Disclosure Statement
available from heritage.com.au or by calling 13 14 22. If you purchase the insurance,
Heritage will receive a commission that is a percentage of the premium. Ask Heritage for
more details before Heritage provides you with services.
NSW Permit No. TP-00079
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