$100 Instagram Competition (“Conditions of Entry”):

  1. Promoter: IPF Digital Australia Pty Ltd trading as Credit24 (ABN 59130894405)
  2. Information on how to enter and prizes form part of these Terms & Conditions of Entry. Participation in this promotion is deemed acceptance of these Terms & Conditions of Entry.
  3. Relevant State/s: SA, VIC, NSW, QLD, WA, TAS, ACT & NT
  4. Entry Restrictions:  Entrants must be 18 years of age or over and currently reside within Australia. Directors, officers, management, employees and other staff (and the immediate families of directors, officers, management, employees and other staff) of IPF Digital Australia and agents of any organisation associated with this Promotion are not eligible to enter.  Any cost associated with accessing the Competition is the entrant’s responsibility and is dependent on the internet service provider used.
  5. Competition Period: Begins on XX. Entries close at 11.59pm AEST XX. The judging of the answers will take place on XX and the winner will be announced within 7 business days.
  6. Notification of Winners: Winners will be notified via Instagram message. To claim the prize, the winner must contact IPF Digital to confirm their details. Judges’ decision is final and no correspondence will be entered into.
  7. Entry Method: To enter, participants must, during the Promotional Period, follow @credit24_australia on Instagram, tag 2 or more friends in the comments under the competition post, and write their New Year resolutions in the comments under the post. Answers will be judged on quality and creative merit.
  8. Judging Criteria: This competition is a game of skill and entries will be judged on quality and creative merit.
  9. Prize Details:There is  one prize of $100 to be won and will be paid out as cash and deposited into the winner’s bank account. No alternatives to prizes will be offered. Prizes are not transferable or exchangeable.
  10. Prize Claim Date and Time: Prizes will be paid by XX.
  11. The Promoter reserves the right to verify the validity of entries and to disqualify any entrant who tampers with the entry process or who submits an entry that is not in accordance with these Terms & Conditions. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant and exclude from the competition if deemed appropriate. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
  12. The promoter accepts no responsibility accepted for late, lost or misdirected entries.
  13. Entrants guarantee on submission that the contents of the comment(s) will not be obscene or defamatory.
  14. By entering, the entrant or entrants agree that IPF Digital may use entry materials for any promotional purposes. This may include but is not exclusive to placing your entry on Credit24’s Facebook, Instagram and website. For any content that you submit, you grant IPF Digital a perpetual, irrevocable, royalty-free, transferable right and license to use, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from and/or sell and/or distribute such content and/or incorporate such content into any form, medium or technology throughout the world without compensation to you.
  15. If the winner cannot be contacted within five (5) calendar days of first notification attempt, if the Prize notification is returned as undeliverable, if the winner rejects the prize, or in the event of noncompliance with these rules, their prize will be forfeited and an alternative winner may be selected from all remaining eligible entries. Upon Prize forfeiture, no compensation will be given.
  16. The Prize will be deposited into the winner’s bank account via electronic funds transfer. Please allow for up to 5 working days for receipt of your Prize. The Promoter is not responsible for any Prize it is unable to send to the winner if the details given are incorrect.
  17. If for any reason this competition is not capable of running as planned (including but not limited to) infection by computer virus, bugs, tampering, unauthorised intervention, fraud, technical failures or any other causes beyond the control of the Promoter which corrupts or affect the administration security, fairness, integrity or proper conduct of this competition, the Promoter reserves the right in its sole discretion cancel, terminate, defer, suspend or modify the competition, subject to any written directions given by the various Lottery Departments.
  18. The Promoter is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers, or providers, computer equipment, software, technical problems or traffic congestion on the Internet or at any web site, or any combination thereof, (including but not limited to) any injury or damage to participants or any other person’s computer related to or resulting from participation in or downloading any materials in this competition.
  19. Any costs associated with accessing the Internet are the entrant’s responsibility and is dependent on the Internet service provider used.
  20. The Promoter shall not be liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss) or for personal injury which is suffered or sustained, as a result of participating in this promotion or accepting any of the prizes, except for any liability which cannot be excluded by law.
  21. All entries are deemed to be received at the time of receipt into the promotional database and not at the time of transmission by the entrant.
  22. The Promoter collects entrants’ personal information in order to conduct the promotion. If the information requested is not provided, the entrant may not participate in the promotion. By entering the promotion, unless otherwise advised, allows the Promoter to use this information, in any media for the purpose for public announcements IPF Digital they are a winner, without any further reference, payment or other compensation to the entrant, including sending the entrant electronic messages. The collection, use and disclosure of personal information provided in connection with this competition is governed by IPF Digital’s Privacy and Credit Reporting Policy.
  23. The Promoter reserve the right, at their discretion, to change these terms and conditions at any time subject to state regulations. Both entrants and voters agree to abide by the  most recent version of this document each time they view and use the website. Users are accordingly advised to consult the terms and conditions each time they view the website.