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Take out a new Home and Contents or Landlord insurance policy through Heritage by 31 March 2022, and you could win $20,000 for a home makeover. Competition open to Queensland and New South Wales residents only. Conditions apply†.
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.
Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or
step-child (whether natural or by adoption), parent, step-parent, grandparent, stepgrandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or first
cousin.
4. Entries into the promotion open at 12am AEDT on 1 February 2022 and close at 11:59pm
AEST on 31 March 2022 (Promotion Period).
To enter the promotion, an entrant must:
a. 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
Promotion Period. Variations and renewals of existing policies do not qualify for an
entry into the promotion; and
b. meet the Policy requirements under clause 6 of these terms and conditions.
6. To be a valid entry the Policy must be financial at the time of the prize draw. Where the
premium is not yet due at the time of the prize draw, the entrant must have entered into a
direct debit arrangement and provided their nominated bank account details to enable the
premium to be deducted. The Policy must not have lapsed or been cancelled at the time of the
prize draw.
7. Multiple entries are permitted. An entrant will receive one (1) automatic entry per Policy
purchased during the Promotion Period in accordance with Policy requirements under clause 5
and 6 of these terms and conditions.
8. If a Policy is held in joint names, the entrant will be deemed to be the first person named on
that 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.
9. The prize is a $20,000 cash payment, issued by electronic transfer to the winner’s nominated
bank account (Prize). There are two Prizes to be awarded for this promotion. The total value of
the prizes to be awarded in this promotion will not exceed AUD$40,000.
The winners will be randomly drawn from the pool of entries received during the Promotion
Period. The draw will be conducted by a representative of Heritage at Heritage Bank, 400
Ruthven Street, Toowoomba at 12noon AEST on 15 April 2022.
11. Heritage may draw additional reserve entries and record them in order in case an invalid entry
or ineligible entrant is drawn or if the prize remains unclaimed in accordance with clause 13 of
these terms and conditions. Heritage’s decision is final and no correspondence will be entered
into.
12. Winners 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 22 April 2022.
13. 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 16 May 2022, and reserve entries
from the original draw are exhausted, a redraw of any unclaimed prizes will occur at 12noon
AEST on 17 May 2022 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 31 May 2022.
14. 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.
15. The prize may constitute assessable income and, as such, entrants should seek independent
financial advice to determine their taxation obligations
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.
17. 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.
18. 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 Non-Excludable
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.
19. 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.
20. 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 its related
bodies corporate. Entrants agree that communications with them may be sent by post,
email and SMS.
21. 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. 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.
22. Heritage Bank Ltd ABN 32 087 652 024 AFSL 240984 arranges this insurance as agent of the
insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).
Terms, conditions, limits and exclusions apply to all policies. This material has been prepared
without taking into account your objectives, financial situation or needs ('your circumstances').
Before making a decision, please consider whether any advice given is appropriate to your
circumstances, and read the Product Disclosure Statement available from heritage.com.au or
by calling 13 14 22. If you purchase this insurance, we will receive a commission that is a
percentage of the premium. Ask us for more details before we provide you with services.
Target Market Determinations available at heritage.com.au/TMD
Australian Competitions Club
