The Promotion Terms and Conditions are constituted by the below: 

▪️Schedule of Details (Schedule); and 

▪️Terms and Conditions of Entry. 

SCHEDULE OF DETAILS 

TERMS AND CONDITIONS OF ENTRY 

1. General 

1.1. Unless otherwise stated: 

(a) capitalised terms used in these Terms and Conditions of Entry have the meaning given in the Schedule. 

(b) a reference to Terms and Conditions is a reference to the Promotion Terms and Conditions, comprised of the Schedule and these Terms and Conditions of Entry. 

1.2. The entrant agrees and acknowledges that they have read these Terms and Conditions of Entry and that entry into the Promotion is deemed to be acceptance of these Terms and Conditions. 

2. Entering the Promotion 

2.1. The Promotion commences on the Start Date and ends on the End Date (the Promotion Period).  

2.2. Entry to the Promotion is open to Eligible Persons as described in the Schedule. 

2.3. To enter the Promotion, entrants must complete the Entry Procedure outlined in the Schedule during the Promotion Period. 

2.4. There is a limit of one entry per Eligible Person. 

2.5. Entries must be received by the Promoter during the Promotion Period. Email and electronic entries are deemed to have been received at the time of receipt into the Promoter's database and not at the time of transmission by the entrant. Records of the Promoter and its agencies are final and conclusive as to the time of entry. 

2.6. Entries may only be submitted in accordance with the Entry Procedure and will not be accepted by the Promoter in any other form. Computer generated or other automated entries will not be accepted.

2.7. All valid entries received during the Promotion Period will be entered in the Prize Draw. 

2.8. Once submitted, an entrant cannot alter or delete their entry. 

2.9. No entry fee is charged by the Promoter to enter the Promotion. As the Promotion involves entry via a website, the cost of accessing the website will be dependent on the entrant's Internet service provider. 

3. Entry content and validity 

3.1. Entrants are required to take full responsibility for the content of their entry and for ensuring that their entry complies with these Terms and Conditions.

3.2. Incomplete, indecipherable or incomprehensible entries will be deemed invalid. Entries that breach these Terms and Conditions (including the content guidelines at cl 4.1 below) will also be deemed invalid. 

3.3. Entries submitted by persons who are not Eligible Persons, or that breach these Terms and Conditions, will be deemed invalid. The Promoter may not assess each entry, however winning entries will be scrutinised. 

3.4. The use of any automated entry software or any other mechanical or electronic means that allows an entrant to automatically enter repeatedly is prohibited and will render all entries submitted by that entrant invalid. 

3.5. If for any reason, the Promoter becomes aware after an entrant has won the Prize that they have not complied with these Terms and Conditions or their contract with the Promoter, that there has been fraudulent or other unlawful activity on their customer account, or that their entry is otherwise invalid, that entrant will have no entitlement to the Prize, even if the Promoter has announced them as a winner and that entrant will be required, at the direction of the Promoter, to return, refund or otherwise make restitution of the Prize. 

4. Consents and Permissions 

4.1. An entrant's entry must not include any content that: 

(a) contravenes any law, infringes any third-party rights (such as intellectual property rights), is false, misleading, deceptive or inaccurate; 

(b) contains any computer viruses, worms or other potentially damaging computer programs or files; 

(c)  is obscene, offensive, potentially defamatory, discriminatory, threatening, harassing, hateful, indecent or otherwise objectionable or inappropriate (including but not limited to, any content involving malice, excessive violence or swearing);  

4.2. By entering the Promotion, the entrant warrants to the Promoter that: 

(a) they are an Eligible Person and the sole author and owner of the intellectual property rights in their entry; 

(b) all content submitted as part of their entry is true and accurate and that use of the content they submit as part of their entry does not violate these Terms and Conditions and will not cause injury to any person or organisation; and 

(c) their submitted entry is the original opinion of the entrant and does not contain any material which would infringe the rights of any third party, including any copyright, trademark or other third-party intellectual property rights.  

4.3. The entrant agrees to indemnify the Promoter and keep the Promoter indemnified against all costs and claims by third parties arising from a breach of the warranties set out in this clause. 

4.4. By entering the Promotion, the entrant: 

(a) voluntarily waives all "moral rights" that they may have in such content or entry;  

(b) consents to the Promoter using their entry (or any part of it) in accordance with the Entry Condition in the Schedule; and 

(c) grants the Promoter 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 all content submitted as part of their entry and/or incorporate such content into any form, medium or technology throughout the world without compensation to them. This includes the right of the Promoter to republish any feedback provided on the Promoter's Facebook page, Instagram account or any other social media platform or in any digital or promotional communications. 

5. Prize Draw 

5.1. The Winners of the Prize are determined by chance. 

5.2. The Prize Draw will take place on the Draw Date, in accordance with the Draw Details in the Schedule.  

5.3. The first 10 valid and eligible entrant drawn will be the Winners. 

5.4. The Promoter will draw additional reserve entries and record them, in order, in case of an Unclaimed Prize. 

5.5. All reasonable attempts will be made to contact the Winners. 

5.6. 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. 

6. Notifying Winner and Claiming Prize 

6.1. The Winners will be notified in accordance with Winner Notification in the Schedule. Each Winner is responsible for ensuring they have ongoing access to the email account associated with their loan account. The Promoter takes no responsibility if a Winner's details are incorrect or incomplete and the Winner cannot be contacted by email. 

6.2. The Prize will be distributed in accordance with Claiming Prize in the Schedule. Each Winner is responsible for ensuring the bank account details associated with their loan account are current and accurate. The Promoter will not be responsible for incorrect details being provided, a banking institution rejecting an EFT payment, or any costs associated with locating any lost monies. 

7. Unclaimed Prizes 

7.1. The Promoter reserves the right, at any time, to validate and check the authenticity of entries and an 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. Identification considered suitable for verification is at the Promoter's discretion. 

7.2. If, in attempting to distribute a Prize to a Winner, the Promoter receives notification that the EFT payment has been rejected, that Winner will be deemed to have forfeited the Prize. 

7.3. If a Winner forfeits the Prize or their entry is deemed invalid under these Terms and Conditions, the Prize will be considered "Unclaimed" and dealt with in accordance with Unclaimed Prize in the Schedule. 

8. Prizes - General 

8.1. Prizes are not transferable or exchangeable and cannot be redeemed for cash. No compensation will be paid if a Winner is unable to use the Prize. 

8.2. If a Prize or any element of a Prize is unavailable for any reason, the Promoter may substitute for that Prize, or an element of that Prize, another item of equal or higher value as determined by the Promoter (at its absolute discretion). 

8.3. Where a Prize is lost, stolen, damaged or tampered with, for reasons beyond the control of the Promoter, the Promoter is not liable. 

9. Privacy and Information 

9.1. Entrants' personal information may be used for the purposes described in Entry Condition and Use of Personal Information in the Schedule.  

9.2. The Promoter may disclose entrants' personal information for those purposes to other companies associated with the Promotion, related bodies corporate of the Promoter, the Promoter's information technology providers and database service providers, or other entities which provide research or marketing services to the Promoter. 

9.3. The Winners' details will be published and retained in accordance with Winner Publication in the Schedule, and as required under relevant legislation.  

9.4. Entrants' personal information will otherwise be handled in accordance with the Promoter's privacy policy, available at https://sunshineloans.com.au/privacy-policy/. 

9.5. By entering the Promotion, entrants acknowledge that they have read and understood how their information will be used and disclosed by the Promoter. 

10. Limitation of Liability 

10.1. To the extent permitted by law, the Promoter (including its officers, employees and agents) will not be responsible for any acts of god, acts of terrorism or war (declared or undeclared), state of emergency, disaster, technical failures, security breaches, tampering, unauthorised intervention, fraud, computer viruses or other events beyond the Promoter's control which affect the proper or reasonably anticipated conduct or administration of the Promotion, or prevent the awarding of the Prize in accordance with these Terms and Conditions.  

10.2. If for any reason any aspect of this Promotion is not capable of running as planned, including due to any of the above events, the Promoter may in its sole discretion cancel, terminate, modify or suspend the Promotion, invalidate any affected entries, or suspend or modify any Prize, subject State or Territory regulation.

10.3. The Promoter and its associated agencies and companies (including their officers, employees and agents) will not be liable for any loss (including, without limitation, indirect, special or consequential loss or loss of profits), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person's negligence or wilful misconduct) in connection with this Promotion or accepting or using any Prize, except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law). 

11. Other Terms 

11.1. The Promoter reserves the right to disqualify any entrant who the Promoter has reason to believe has breached any of these Terms and Conditions, breached their contract with the Promoter, had fraudulent or other unlawful activity on their customer account, tampered with the entry process or engaged in any unlawful or other improper misconduct calculated to jeopardise the fair and proper conduct of the Promotion. 

11.2. The Promoter may at its absolute discretion prohibit an entrant's participation in the Promotion, cancel or suspend a Prize or cease to provide any Prize to a winner if the entrant or Winner is, in the reasonable opinion of the Promoter, behaving aggressively, disruptively, or in a manner which may diminish the goodwill or reputation of the Promoter, or are engaging in conduct that is misleading, deceptive, contrary to law or is otherwise inappropriate. 

11.3. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. 

11.4. The Promoter's decisions in connection with the Promotion are final and no correspondence will be entered into. 

11.5. The Promoter accepts no responsibility for any tax implications that may arise from acceptance of the Prize. Entrants should seek independent financial advice prior to entering the Promotion if this is a concern. 

11.6. No responsibility will be taken for unsuitable, lost, deleted, late or misdirected entries. The Promoter is not responsible for technical difficulties with the entry mechanism and does not warrant that the entry mechanism will be available at all times.