4wd Tv – Win a Mates With Tred Merchandise Pack

ANZ’S ‘QANTAS FREQUENT FLYER POINTS’
HOME LOAN PROMOTION
INTRODUCTION
1. ANZ offers a maximum of 300,000 Qantas Points to
be credited to a Qantas Frequent Flyer Member who
is the Primary Applicant nominated in an Application
Form in respect of an Eligible ANZ Home Loan, subject
to the terms and conditions of this Offer.
2. By completing the Application Form for the Offer, you
agree to be bound by these terms and conditions.
DEFINITIONS
3. In these terms and conditions:
(a) ANZ means Australia and New Zealand Banking
Group Limited ABN 11 005 357 522 and its
related bodies corporate or any of its agents or
contractors from time to time;
(b) Application Form means the application form
issued by ANZ for the Offer;
(c) Eligible ANZ Home Loan is an ANZ Standard
Variable Rate Loan, ANZ Fixed Rate Loan or
ANZ Simplicity Plus Loan which is secured by
a mortgage or other security granted in favour
of ANZ over a residential investment or owner
occupied property and which loan is in the name
of at least one individual borrower and for the
purpose of purchasing a property or refinancing
an existing loan held with another financial
institution, excluding the following:
(1) An ANZ loan product which permits a
borrower to draw down credit progressively
for the purchase and/or construction of a
property or a home and which has not been
fully drawn down (or which is not treated by
ANZ as having been fully drawn down) as at
31 January 2020.
(2) An ANZ Equity Manager home loan or other
ANZ line of credit product.
(3) Additional lending under an existing ANZ
home loan.
(4) An ANZ loan product for which at least one
of the borrowers is a company, partnership,
trustee (including an individual acting in a
trustee capacity), body corporate or other
non-individual entity.
If an application for an ANZ loan is structured so
that more than one Eligible ANZ Home Loan is
drawn down in respect of that application (e.g.
a fixed component and a variable component
resulting from the same loan application), those
multiple loans will together constitute one Eligible
ANZ Home Loan for the purposes of the Offer;
(d) Offer means this’Qantas Frequent Flyer Points’
home loan promotion;
(e) Primary Applicant means, in respect of an
Eligible ANZ Home Loan, the person named as
Applicant 1 (or, if there is no such designation,
the person named first as between all applicants)
in the application submitted to ANZ for that loan;
(f) Qantas means Qantas Airways Limited ABN 16
009 661 901 and its related bodies corporate or
any of its agents or contractors from time to time;
(g) Qantas Frequent Flyer Member means a
member of the Qantas Frequent Flyer Program;
(h) Qantas Frequent Flyer Membership Number
means the membership number for the Qantas
Frequent Flyer Program allocated to a Qantas
Frequent Flyer Member;
(i) Qantas Frequent Flyer Program means the
frequent flyer program operated by, or on behalf
of, Qantas which is governed by the Qantas
Frequent Flyer Terms and Conditions;
(j) Qantas Frequent Flyer Terms and Conditions
means the terms and conditions of the Qantas
Frequent Flyer Program (as varied or amended
from time to time), which can be found at
www.qantas.com/terms; and
(k) Qantas Points means frequent flyer points
awarded to Qantas Frequent Flyer Members
pursuant to the Qantas Frequent Flyer Terms
and Conditions.
ELIGIBILITY
4. You are eligible to participate in this Offer if:
(a) you are an Australian citizen or permanent
resident of Australia who is aged 18 years or
above;
(b) you apply to ANZ (as the Primary Applicant) for
an Eligible ANZ Home Loan of over $300,000
between 30 June 2019 and 31 August 2019;
(c) you are approved and offered that Eligible ANZ
Home Loan by ANZ between 30 June 2019 and
31 January 2020;
(d) you draw down at least $300,000 under that
Eligible ANZ Home Loan between 30 June 2019
and 31 January 2020;
(e) you provide a valid email address and duly
completed Application Form to ANZ in respect of
your Eligible ANZ Home Loan; and
(f) in your Application Form you nominate your
Qantas Frequent Flyer Membership Number to
receive Qantas Points under the Offer, and you
are, and continue to be, a Qantas Frequent
Flyer Member.
TERMS AND CONDITIONS
5. If you are not a Qantas Frequent Flyer Member but
wish to receive Qantas Points under the Offer, you
must join the Qantas Frequent Flyer Program before
submitting your Application Form. You can join the
Qantas Frequent Flyer Program (or update your Qantas
Frequent Flyer Member details) using the link set out
in the Application Form. Qantas will waive the Qantas
Frequent Flyer Program joining fee for any person who
joins the program in connection with the Offer.
APPLICATION FOR QANTAS POINTS
6. ANZ will send an Application Form in respect of an
Eligible ANZ Home Loan by email to the valid email
address for the Primary Applicant provided to ANZ as
part of the application for that loan.
7. To apply for the 300,000 Qantas Points offered in
respect of that Eligible ANZ Home Loan, the Primary
Applicant must:
(a) fully and accurately complete the Application
Form which is sent or otherwise made available,
in accordance with any instructions set out in
that form;
(b) lodge the completed Application Form with
ANZ by no later than 13 March 2020; and
(c) otherwise comply with these terms and
conditions.
8. If you meet the eligibility criteria set out in these
terms and conditions, 300,000 Qantas Points offered
in respect of your Eligible ANZ Home Loan will be
credited to your Qantas Frequent Flyer Membership
number. Those points will be credited within 90 days
after the day on which a duly completed Application
Form is lodged with ANZ.
9. The Offer may only be taken up by the Primary
Applicant under an Eligible ANZ Home Loan. A
maximum of 300,000 Qantas Points is offered to each
such Primary Applicant under the Offer (regardless
of the number of Eligible ANZ Home Loans applied
for, or held by, that person) and, if credited, will be
credited to the Primary Applicant’s Qantas Frequent
Flyer Membership number.
10. Unless ANZ otherwise agrees in writing, any
entitlement to have Qantas Points credited to a
Qantas Frequent Flyer Member under the Offer in
respect of an Eligible ANZ Home Loan will cease with
immediate effect if, as at the date that the relevant
Application Form is lodged with ANZ, any of the
following occur or apply:
(a) The Eligible ANZ Home Loan in respect of which
the Qantas Points are to be credited is closed by
you or ANZ.
(b) The Eligible ANZ Home Loan has been repaid
in full.
(c) The Eligible ANZ Home Loan is restructured or
varied by you or ANZ, with the effect that it is no
longer an Eligible ANZ Home Loan.
(d) The Primary Applicant to be credited the Qantas
Points is not a borrower under the Eligible ANZ
Home Loan or not a Qantas Frequent Flyer
Member.
(e) Any amount due and payable or repayable under
Eligible ANZ Home Loan is unpaid.
EARNING AND CREDITING QANTAS
POINTS
11. Qantas Points, including the allocation and
administration of Qantas Points, are governed by,
and subject to, the Qantas Frequent Flyer Terms and
Conditions.
12. Qantas points are not transferable, other than in
accordance with the terms and conditions of the
Qantas Frequent Flyer Program.
13. Qantas Points credited in connection with the Offer
to a Qantas Frequent Flyer Member can be viewed by
that member by logging in to their Qantas Frequent
Flyer account on www.qantas.com/frequentflyer.
14. Requests for missing Qantas Points in relation to
the Offer must be made to ANZ by calling 1300 797
625 within 12 months of the date the Application
Form in respect of those points was lodged with
ANZ. Requests will be investigated and ANZ will
determine any entitlement to receive missing points.
ANZ’s decision is final and no correspondence will be
entered into.
15. Qantas Points are not redeemable for cash.
PRIVACY
16. ANZ and Qantas may collect and use personal
information about you in connection with the Offer
and for related purposes, including the administration,
provision or performance of services, product
development relating to the Qantas Frequent Flyer
Program and these terms and conditions, and for
promotion and marketing (whether targeted, direct
or indirect) of Qantas and ANZ products and services
to you. A copy of ANZ’s privacy policy is available
from https://www.anz.com.au/privacy/centre/policy/,
and a copy of Qantas’privacy policy is available from
https://www.qantas.com/au/en/support/privacy-and-
security.html.
17. ANZ and Qantas will need to share your personal
information to administer the Offer and for the other
purposes described in these terms and conditions.
18. By completing the Application Form for the Offer,
you consent to the above collection, handling and
disclosure of personal information, by ANZ and
Qantas (including by their respective employees),
and authorise them to seek access to, use and
disclose that information between themselves
for the above purposes.
19. If you give ANZ or Qantas personal information
about someone else (e.g. a joint borrower), you must
have that person’s permission to do so and show
them a copy of these terms and conditions so they
understand the manner in which their information
may be used or disclosed.
NO REPRESENTATIONS OR WARRANTIES
20. Except as required by law, ANZ makes no
representations or warranties with respect to this
Offer or any benefits or entitlements under the Offer,
including with respect to Qantas Points or the Qantas
Frequent Flyer Program.
TAXES AND DUTIES
21. You acknowledge and agree that you are solely
responsible for any taxation liability you may incur
in relation to your participation in the Offer or your
Eligible ANZ Home Loan, and any associated taxation
implications.
VARIATION AND TERMINATION
22. ANZ may vary these terms and conditions from time
to time, including by:
(a) adding, withdrawing or substituting any benefits
available to you under the Offer;
(b) changing the number of Qantas Points that may
be earned;
(c) changing the method by which Qantas Points are
calculated;
(d) changing the circumstances or time at which
Qantas Points will be credited to a Qantas
Frequent Flyer Member;
(e) changing the eligibility criteria or requirements
that must be met to earn Qantas Points; or
(f) changing the duration of the Offer or the period
of time in relation to which Qantas Points may be
earned.
23. ANZ may also terminate or withdraw this Offer at
any time without prior notice, including if ANZ’s
agreement with Qantas in relation to Qantas Points
under the Offer is terminated or amended.
24. ANZ may cancel, suspend, or amend the record of a
Qantas Frequent Flyer Member’s Qantas Points if it has
reasonable grounds to believe that a person’s conduct
or dealings with respect to an Eligible ANZ Home
Loan, the Offer or any other dealings with ANZ may be
fraudulent or otherwise illegal.
25. If you are not satisfied with any change or variation
ANZ makes to the Offer, you can terminate your
participation at any time by providing notice to ANZ.
OTHER MATTERS
26. ANZ reserves the right:
(a) to require you to provide proof to ANZ’s or
Qantas’reasonable satisfaction that a Qantas
Frequent Flyer Member is eligible to be credited
Qantas Points under the Offer; and
(b) to disqualify any person who participates in the
Offer but does not comply with these terms and
conditions or who tampers with the Offer process.
27. Failure by ANZ to enforce any of its rights at any stage
does not constitute a waiver of those rights. Errors and
omissions will be accepted at ANZ’s discretion.
28. All applications for credit, including for Eligible
ANZ Home Loans, are subject to ANZ’s credit approval
criteria. Terms and conditions, fees and charges, and
other eligibility criteria apply.
29. These terms and conditions are:
(a) separate to the terms and conditions of your
Eligible ANZ Home Loan; and
(b) do not form part of the credit contract for your
Eligible ANZ Home Loan.
To the extent of any inconsistency between these
terms and conditions and the terms and conditions
of your Eligible ANZ Home Loan, the terms and
conditions of your Eligible ANZ Home Loan prevail.
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522.
Item No. 96730 07.2019 WX233314
anz.com
ANZ’S ‘WIN UP TO $500,000 OFF YOUR HOME LOAN’
PROMOTION FOR NEW ANZ HOME LOANS
1. The promoter of ANZ’s’Win Up To $500,000 Off Your
Home Loan’Promotion for new ANZ home loans
(Promotion) is Australia and New Zealand Banking
Group Limited ABN 11 005 357 522 of Level 9, 833
Collins Street, Docklands, Victoria, 3008 (ANZ).
2. Information on how to enter the Promotion and
the prizes under the Promotion form part of these
terms and conditions of entry. By participating in the
Promotion (including by accepting a Prize), a person
is taken to have accepted, and to have agreed to be
bound by, these terms and conditions.
3. The Promotion commences at 12:01 am (AEST) on
30 June 2019 and closes at 11:59 pm (AEST) on 31
January 2020 (Promotional Period).
4. Entry in the Promotion is open to individuals who:
(a) are Australian citizens or permanent residents
of Australia;
(b) are individuals aged 18 years or above; and
(c) are not:
(1) an employee or contractor (or a member of
the immediate family of such an individual)
of ANZ or an entity associated with the
Promotion, or a subsidiary or related entity
of ANZ or an entity associated with the
Promotion at any time between 30 June
2019 and the date of the draw of the Prize
winners under the Promotion;
(2) a director or former director of ANZ or a
subsidiary or related entity of ANZ; or
(3) a former employee of ANZ or a subsidiary
or related entity of ANZ who held a role
classified by ANZ as senior executive and/or
group 1 status.
A person’s immediate family member is the person’s
spouse, de facto spouse, child or step-child (whether
natural or by adoption), parent, step-parent, brother,
sister, step-brother or step-sister.
5. ANZ reserves the right at any time:
(a) to require each such participant (Eligible
Entrant) to provide proof to ANZ’s reasonable
satisfaction that the participant is an Eligible
Entrant; and
(b) to disqualify any Eligible Entrant who participates
in this Promotion but does not comply with these
terms and conditions, who tampers with the
entry or draw process, or who acts in relation to
this Promotion or an Eligible ANZ Home Loan in a
way which ANZ reasonably believes is fraudulent,
misleading or deceptive.
Failure by ANZ to enforce any of its rights at any stage
does not constitute a waiver of those rights. Errors and
omissions will be accepted at ANZ’s discretion.
6. To enter the Promotion, an Eligible Entrant must:
(a) apply to ANZ for an Eligible ANZ Home Loan of
over $300,000 between 30 June 2019 and 31
August 2019;
(b) be approved and offered that Eligible ANZ Home
Loan by ANZ between 30 June 2019 and 31
January 2020; and
(c) draw down at least $300,000 under that Eligible
ANZ Home Loan between 30 June 2019 and 31
January 2020.
An Eligible ANZ Home Loan is an ANZ Standard
Variable Rate Loan, ANZ Fixed Rate Loan or ANZ
Simplicity PLUS Loan which is secured by a mortgage
or other security granted in favour of ANZ over a
residential investment or owner occupied property
and which loan is in the name of at least one
individual borrower and for the purpose of purchasing
a property or refinancing an existing loan held with
another financial institution, excluding the following:
(a) An ANZ loan product which permits a borrower
to draw down credit progressively for the
purchase and/or construction of a property or a
home, and which has not been fully drawn down
(or which is not treated by ANZ as having been
fully drawn down) as at 31 January 2020.
(b) An ANZ Equity Manager home loan or other
ANZ line of credit product.
(c) Additional lending under an existing ANZ
home loan.
(d) An ANZ loan product for which at least one of
the borrowers is a company, partnership, trustee
(including an individual acting in a trustee capacity),
body corporate or other non-individual entity.
7. All applications for credit, including for Eligible
ANZ Home Loans, are subject to ANZ’s credit approval
criteria. Terms and conditions, fees and charges, and
other eligibility criteria apply. Accordingly, a person
who applies to ANZ for an Eligible ANZ Home Loan
may not be approved for, and offered, such a loan,
and so may not satisfy the entry requirements for this
Promotion.
TERMS AND CONDITIONS
8. An Eligible Entrant who enters the Promotion will
receive a maximum of one entry in the Promotion
(regardless of how many Eligible ANZ Home Loans in
the name of the Eligible Entrant, whether individually
or with others). If there is more than one Eligible
Entrant who is a borrower under an Eligible ANZ
Home Loan, each such Eligible Entrant will receive a
maximum of one entry.
9. There will be one (1) draw and five (5) winners drawn.
The first five (5) Eligible Entrants drawn electronically
from all entries received in the Promotion will be the
winners who will each receive a prize (Prize). However,
once an Eligible Entrant has been drawn as a winner,
any subsequent draw of that Eligible Entrant as a
winner will be deemed invalid and an additional draw
undertaken (to ensure an Eligible Entrant only receives
a maximum of one Prize (except in the case of a South
Australian winner being drawn more than once).
10. For each winner, the Prize is a reduction in the
outstanding balance of any ANZ Eligible Home Loan(s)
held in the name of that winner (whether individually
or with others) of an aggregate amount not exceeding
$500,000. Unless otherwise agreed in writing by
ANZ, a Prize will first be applied by ANZ to any ANZ
Eligible Home Loan(s) held in the name of that
winner (whether individually or with others) to pay
any amount which is in arrears or otherwise due and
payable to ANZ under the loan(s) (at ANZ’s discretion)
and, if there is a dispute in relation to any such loan(s)
at the time the Prize is to be applied, ANZ reserves
the right to withhold some or all of the Prize until that
dispute has been finally resolved. If some or all of the
Prize then remains unapplied (Unapplied Prize) and:
(a) a winner holds more than one such loan, ANZ
will permit the winner to nominate how the
Unapplied Prize is to be applied across which
loans and in which amounts (subject to the terms
and conditions of the relevant ANZ home loan
products); or
(b) the outstanding balance of those loans totals
less than the Unapplied Prize, the winner will not
be entitled to any part of the Unapplied Prize
not used to reduce the outstanding balances of
those loans (whether in cash or otherwise). In
consequence, the value of a Prize received by a
winner may be less than $500,000.
A winner is not permitted to apply or take a Prize in
a way which results in (or is designed to result in)
the customer having a credit balance which may be
transferred or redeemed for cash or ANZ otherwise
being liable to pay an amount to that winner (or any
other person). Further, any Prize amount applied to an
ANZ Eligible Home Loan will not be available to any
person as redraw or offset.
11. The maximum number of Prizes an Eligible Entrant
may win under the Promotion is one (1) (except in the
case of a South Australian winner being drawn more
than once), and the total maximum value of the Prize
an Eligible Entrant may win under the Promotion is
$500,000 (including any applicable GST).
12. The total maximum value of the Prizes under the
Promotion is $2,500,000 (including any applicable GST).
13. The draw of the Prize winners under the Promotion
will take place at 2:00 pm (AEST) on 14 February 2020
(Draw Date) at Mike Da Silva & Associates (Aust) Pty
Ltd (ABN 50 003 894 022) (MDSA), Level 17, 40 Mount
Street, North Sydney, New South Wales, 2060. The
Promoter is entitled to draw additional entries in the
case of ineligibility.
14. Each Prize winner will be notified in writing by email
(using the contact details for the Eligible Entrant in
ANZ’s records) within 2 business days of the Draw
Date, and their name, town/suburb and state/territory
will be published in The Australian newspaper on 21
February 2020.
15. The Promoter’s decision is final and no correspondence
will be entered into. Each Prize is not exchangeable or
transferable and is not redeemable for cash.
16. An Eligible Entrant is:
(a) solely responsible for the payment or repayment
of any principal, interest and costs under any ANZ
Eligible Home Loan they acquire in connection
with the Promotion; and
(b) an Eligible Entrant is liable for any taxation
consequences of winning a Prize in the
Promotion, and should obtain their own
independent advice about such consequences.
17. ANZ reserves the right to redraw the winner of a Prize in
the event a Prize winner is unable to satisfy these terms
and conditions, or forfeits or does not claim a Prize.
18. If any Prize remains unclaimed or forfeited (through
ineligibility or otherwise) as at 5:00 pm (AEST) on 14
May 2020, a further draw for a winner of that Prize will
be conducted on 28 May 2020 at the same time and
place as the original draw (subject to any applicable
law). The winner of that Prize will be notified in writing
by email (using the contact details for the Eligible
Entrant in ANZ’s records), and their name, town/
suburb and state/territory will be published in The
Australian newspaper on 4 June 2020.
19. Each Eligible Entrant who wins a Prize agrees to
provide reasonable co-operation and assistance to
ANZ in relation to public relations and promotional
activities for the Promotion, including by participating
in interviews and contributing to articles, media
releases and other publications, and consents to
ANZ using and publishing the Eligible Entrant’s name,
image, attributed statements and/or voice in any
media for an unlimited period without remuneration
for the purpose of promoting this Promotion
(including any outcome), and promoting any products
issued, distributed and/or supplied by ANZ.
20. Entry details created for the Promotion will be used
solely for the purposes of this Promotion and will then
be destroyed.
21. ANZ will collect personal information in order to
conduct the Promotion and may, for this purpose,
disclose such information to third parties, including
but not limited to agents and contractors. A copy of
ANZ’s privacy policy is available from
https://www.anz.com.au/privacy/centre/policy/.
22. ANZ is not liable for any loss or damage which is
suffered (including indirect or consequential loss), or
for personal injury suffered or sustained, as a result
of participating in this Promotion or taking any Prize,
or for any loss or damage resulting from incorrect
information provided by Eligible Entrants, except for
any liability that cannot be excluded by law.
23. ANZ reserves the right to vary the rules of the
Promotion or any Prizes offered or cancel the
Promotion (or any aspect of the Promotion) if it is no
longer able to run the competition due to reasons
beyond its control (subject to any applicable law).
ANZ will not be liable for any losses to any person
arising from any variation or cancellation, and will not
offer or pay any compensation.
24. Unless ANZ otherwise agrees in writing in its sole
discretion, a person is not eligible to enter this Promotion
or win a Prize if they have previously won any other
competition, promotion or offer by ANZ involving a
reduction of a customer’s home loan liability to ANZ,
including any similar promotion to this Promotion.
25. Authorised under NSW LTPS/19/35327, ACT
TP19/03540 & SA Licence No. T19/932.
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522.
Item No. 96731 07.2019 WX233314
anz.com