CRACK THE CODE TO WIN $50,000

TERMS AND CONDITIONS

  1. These terms and condition of entry, including information on how to participate and prize details (Terms), apply to the ‘Crack the Code’ Promotion (Promotion) and entry into the (Promoter) is deemed acceptance of these Terms.
  2. The Promoter is Liberty Financial Pty Ltd, ABN 55 077 248 983, of 16/535 Bourke Street, Melbourne, Victoria (Tel 13 11 33). (Promoter) Australian Credit Licence No. 286596 (Liberty Financial).
  3. The Major Prize Indemnifier is Sirius International Insurance Corporation, London, England (Indemnifier)
  4. The Promotion commences at 8:00am (AEDST) 3 March 2016 and closes at 4:59pm (AESDT) 1 December 2016 (the Promotional Period).
  5. This Promotion is open to Australian residents aged 18 years and over.
  6. Employees (and their immediate families) of Liberty Financial and agencies associated with the Promotion are ineligible to enter. 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, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or first cousin.
  7. The ‘Chance’ (used in marketing material) to win a Major Prize is facilitated by giving entrants the opportunity (or chance) to enter the competition (free of charge) via the online portal provided at www.liberty.com.au/wincash.
  8. To enter the Major Prize Draw, individuals must complete one of the entry methods in clause 8.a during the Promotion Period.
    1. Visit the Liberty Financial activation site located at various events across Australia and enter via the iPads provided at those Liberty Financial activation sites by following the links to the promotional entry page, inputting the requested details (including their full name and a valid email address), and submitting the fully completed entry form or enter; and visit the promotional website www.liberty.com.au/wincash; and
    2. After following the prompts, participants will be asked to guess exactly (in the same sequence), the 6 numerical numbers which match the code pre-selected by the Indemnifier.
      1. Number Range 0-9
      2. The winning entry will correctly guess the 6-digit code that matches 6-digit code pre-selected by the Indemnifier. This represents the winner identifying the ‘lock code’.
      3. Winners will be determined in accordance with the method set out in clauses 15 and 16.
  9. To successfully win the Major Prize a participant must accurately “guess” the 6-digit combination code before any other participant.
  10. The Promotion will award only one (1) Major Prize. Should more than one winning code be entered, the entry received closest to the Promotion start date will win.
  11. Only one entry is permitted per person and unique email address. Any subsequent entries from the same person from a different email address will be deemed invalid.
  12. Incomplete or indecipherable entries will be deemed invalid.
  13. The first valid entrant to correctly guess the combination code in the correct sequence during the Promotion Period will be the winner.
  14. The Major Prize will be awarded as follows:
    1. At 12pm (AEST) on 6 December 2016 the Indemnifier will release the password to the protected document to Liberty Financial (and their agents) in order to determine the winner at 16/535 Bourke Street, Melbourne, Victoria. The first entry with the exact match of the numerical code sequence held by Liberty Financial will be determined as the winner.
    2. The winning code combination will be verified by the Indemnifier. The winning code combination will also be revealed by a Liberty Financial representative who will open the password protected document containing the winning combination provided by the Indemnifier.
    3. Subject to any directions from a regulatory authority, the process will be recorded and Liberty Financial will make the record available to the public for inspection on request.
  15. In the event that the code combination is not guessed by the end of the Promotion Period, a Minor Prize will be awarded to the entrant who submits the closest match to the pre-selected numerical code sequence held by Liberty Financial. The Promotion will award only one (1) Minor Prize. Should more than one minor winning code be submitted, the entry received earliest to the Promotion start date will be the winner.
  16. For the purpose of clause 16, the ‘closest match’ means the entry with the most correct digits in their sequential ordering and then correct to the next nearest digit.
  17. The Major Prize is $50,000 cash AUD.
  18. The Minor Prize is $1,000 cash AUD.
  19. The winner of the Major Prize or Minor Prize (as the case may be) will be notified by telephone and email within two business days of the date of the major prize draw, and their name will be published in The Australian on 12 December 2016 and appear on the Liberty Financial Facebook Page (https://www.facebook.com/liberty.social) for a period of 28 days.
  20. A further determination for any unclaimed prizes may take place on 7 March 2017 at the same time and place as the original determination set out in clauses 15 and 16, subject to any directions from a regulatory authority. Winners, if any, will be notified in writing within 2 business days of the determination.
  21. Prizes (or any unused portion of a prize) are not transferable, exchangeable or redeemable for cash. Prizes must be taken as offered and may not be varied. If for any reason a winner does not take a Prize (or part of a prize) by the time stipulated by the Liberty Financial, then the prize (or part of the prize) will be forfeited.
  22. If any prize (or part of any prize) is unavailable, the Liberty Financial, in its discretion, reserves the right to substitute the prize (or part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
  23. Independent financial advice should be sought as tax implications may arise as a result of accepting the prize.
  24. By entering the Promotion all entrants agree that if they correctly guess the correct code, they will undertake all reasonable steps required by Liberty Financial and the Indemnifier to enable payment of the Major Prize or Minor Prize money and acknowledge that the prize money will not be available until these requirements have been met to the satisfaction of Liberty Financial and the Indemnifier.
  25. As a condition of accepting either a Major Prize or Minor Prize (as the case may be), each entrant must sign any legal documentation as and in the form required by Liberty Financial and/or prize suppliers in their absolute discretion, including but not limited to a legal release and indemnity form.
  26. Total prize pool value is up to AUD $50,000 incl. GST.
  27. Entrants consent to Liberty Financial using their name, likeness and/or image in the event they are the winning entrant (including photograph, film and/or recording of the same) in any media for an unlimited period, without remuneration, for the purpose of promoting the Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by Liberty Financial.
  28. 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, Liberty Financial (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.
  29. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, Liberty Financial (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 Liberty Financials 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 Liberty Financial) due to any reason beyond the reasonable control of Liberty Financial; (d) any tax liability incurred by a winning entrant; or (e) use/taking of a prize.
  30. If, for any reason, the Promotion is not capable of being run as planned, including due to infection by infection by computer virus, bugs, tampering, unauthorized intervention, fraud or any other causes beyond the control of Liberty Financial, which corrupt or affect the administration, security, fairness, integrity or proper conduct of the Promotion, Liberty Financial reserves the right in its absolute discretion to take any action that may be available to it, subject to state and territory regulations, including cancelling, terminating, modifying or suspending the Promotion or disqualifying any entrant.
  31. Any entrant who, in the opinion of Liberty Financial, tampers or interferes with the entry mechanism or draw in any way, engages in any unlawful or improper conduct which jeopardizes or is likely to jeopardize the fair or proper conduct of the Promotion, or who does not properly comply with the entry process, will be ineligible to win.
  32. Liberty Financial reserves the right to disqualify entries in the event of non-compliance with these Terms. Liberty Financials decisions in relation to all aspects of the Promotion are final and binding on each entrant and no correspondence will be entered into.
  33. Quality control errors will not invalidate an otherwise valid prize claim. Unless otherwise due to fraud or ineligibility under these Terms, all prize claims in excess of the advertised prize pool will be honoured.
  34. Liberty Financial must receive entries during the Promotion Period. The Promoter accepts no responsibility for late, lost, incomplete, incorrectly submitted, delayed, illegible, corrupted or misdirected entries, claims or correspondence, whether due to error, omission, alteration, tampering, deletion, theft, destruction, transmission interruption, communications failure or otherwise. Liberty Financial has no control over mobile telephone or internet communications, networks or lines and accepts no responsibility for any problems associated with them, whether due to traffic congestion, technical malfunction or otherwise. Liberty Financial is not liable for any consequences of user error including (without limitation) costs incurred.
  35. Liberty Financial collects 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, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Liberty Financial (and its agencies) will also use and handle personal information as set out in its privacy policy, which can be viewed at (www.liberty.com.au/disclosures/privacy-policy). Entry is conditional on providing this information. By entering the Promotion, unless otherwise advised by the eligible entrant, each eligible entrant consents to the information they submit with their entry being entered into a database and being held in a server located in New Zealand. In addition to any use that may be outlined in Liberty Financials privacy policy, Liberty Financial may use this information in any media for future promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the eligible entrant, without any further reference or payment or other compensation to the eligible entrant. All personal details of the eligible entrants will be stored at the office of Liberty Financial and held in a server located in New Zealand. A request to access, update, opt out or correct any information should be directed to Liberty Financials office. Any complaints regarding the treatment of personal information should also be directed to that office and will be dealt with by Liberty Financial in accordance with its privacy policy. All entries become the property of Liberty Financial.
  36. Each entrant gives its consent to being entered into Liberty Financials database. Liberty Financial (may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to access, update or correct information to Liberty Financial. All personal details of entrants will be stored at the office of Liberty Financial.
  37. Authorised in Australia under permit number: New South Wales: LTPS/16/02393; ACT: TP 16/00568; South Australia T16/496.
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Approved applicants only. Lending criteria applies. Fees and charges are payable. All rights reserved | Liberty Financial Pty Ltd | ABN 55 077 248 983 | Australian Credit Licence 286596 | Liberty Network Services Pty Ltd | ABN 65 151 158 628 | Australian Credit Licence 408042