AUSTRALIAN CREDIT HOLDINGS PTY LTD (Australian Credit Acceptance)
TERMS AND CONDITIONS OF ENTRY FOR COMPETITIONS/GIVE‐AWAYS VIA THE WEBSITE AND/OR ENEWSLETTERS AND/OR SOCIAL MEDIA (FACEBOOK, INSTAGRAM AND TWITTER)

1: METHOD OF ENTRY
To enter this competition entrants must follow the instructions provided in the competition announcement on the online platform the competition is held. Entry is limited to Australian residents only. Only one entry per person during the promotional period will be accepted.

For competitions/giveaways through which entrants must answer a specific question, unless otherwise stated in the premise: a winning entry/entries will be drawn at random; the first entry/entries drawn containing the correct answer will win.

All entrants agree and understand that their entry in competitions will permit Australian Credit Acceptance to market to them via the contact details provided, until they manually unsubscribe from such marketing material.

For competitions/giveaways through which entrants must provide a response, unless otherwise stated in the premise: a winning entry/entries will be chosen by a panel representing the Australian Credit Acceptance based on creativity, originality and adherence to the brief, at the discretion of Australian Credit Acceptance.

2: DURATION OF THE PROMOTION
The competition duration is as indicated in competition announcement via the online platform the competition is held.

3: NATURE AND VALUE OF THE PRIZES
The nature and value of the prize is as indicated in competition announcement via the online platform the competition is held. Prizes are not transferable or redeemable for cash.
All prize values are the recommended retail value in Australian dollars and are correct at time of competition announcements. Australian Credit Acceptance will take no responsibility for variations in the prize value.

4: ELIGIBILITY
Participants must be permanent Australian residents and be 18 years of age or over to enter. Employees and of Australian Credit Acceptance, their immediate families and companies associated with this promotion are ineligible to enter.

5: PLACE, DATE & TIME OF DRAW / JUDGING
Winners will be drawn at random from all valid entries received during the promotional period. The draw will take place at the NSW head office of Australian Credit Acceptance in the presence of an unbiased and unassociated witness. All competitions/giveaways for which entrants must provide an original response or submission will be judged based on creativity, originality and adherence to the brief.

6: METHOD OF ADVISING RESULT OF DRAW
Prize winners will be notified via the phone number and email address they chose to provide during entry.

7: CONDITIONS OF ENTRY
For Australian Credit Acceptance Privacy Policy, see acaloans.com.au
All prizes are subject to availability, non‐transferable and not exchangeable, and must be used on the dates specified by the Promoter. All prizes/giveaways are non‐transferable.
Australian Credit Acceptance will not be responsible or liable if for any reason beyond their reasonable control any element of any prize is not provided. The Promoter may, subject to State regulations, substitute a different prize of equivalent value in place of any prize referred to in these terms and conditions. The prize does not include any other costs of a personal nature not stated. This prize must be taken as stated and no compensation will be payable if the recipient is unable to use it as stated.

8: PUBLICITY MATERIALS
It is a condition of entry that the Promoter has the right to publicise, broadcast and communicate to the public the names, characters, likeness and voice of any entrants for any promotion or matter incidental to the Promotion. Entrants may be required by the Promoter to participate in any photo, recording, video and/or film session(s) (the “publicity materials”) and acknowledge that the Promoter has the right to use such publicity materials in any medium (including the internet) and in any reasonable manner it sees fit, unless that person advises the Promoter at the time of entering the Promotion that he/she wishes to retain his/her anonymity.

By entering any Australian Credit Acceptance competition and/or give‐away, the entrant warrants that the submission (and any part thereof) is their own work, or that they have any permissions necessary from the owner of the material to reproduce and distribute the work, and gives permission for Australian Credit Acceptance to publish this content through its social media, website and E‐Newsletter.

9: RELEASE AND INDEMNITY
To the extent permitted by law, all entrants release from, and indemnify the Promoter against all liability, cost, loss or expense arising out of acceptance of any prize(s) or participation in the Promotion including (but not limited to) loss of income, loss of opportunity, personal injury and damage to property, whether direct or consequential, foreseeable, due to some negligent act or omission or otherwise.

10: NO CORRESPONDENCE
All decisions and actions of the Promoter relating to the Promotion and/or redemption of the prizes are exercised at its absolute discretion and are final. No discussions or correspondence with entrants or any other person will be entered into.

11: NAME & ADDRESS OF PROMOTER
The promoter is Australian Credit Holdings Pty Ltd (ABN 70 159 714 271) of 10/48 Berry Street, Nowra, New South Wales 2541, Tel 1300 360 450.

12: LATE ENTRIES
The Promoter accepts no responsibility for any incorrectly submitted, incomplete, late, lost or misdirected entries or for any technical malfunction of any communications network.