TIMES IS TOUGH PRIZES 1

TERMS AND CONDITIONS

Promotion: Times is Tough Promoter: Insurance Australia Group Limited ABN 60 090 739 923, 181 William Street, Melbourne, VIC 3000, Australia. Ph: 02 9292 9222 Promotional Period: Start date: 14/11/22 at 09:00 am AEDT End date: 18/12/22 at 11:59 pm AEST

Entry Period & Event

1 Start Date: 14/11/22 at 09:00 am End Date: AEDT 20/11/22 at 11:59 pm AEDT

2 Start Date: 21/11/22 at 09:00 am End Date: AEDT 27/11/22 at 11:59 pm AEDT

3 Start Date: 28/11/22 at 09:00 am End Date: AEDT 04/12/22 at 11:59 pm AEDT

4 Start Date: 05/12/22 at 09:00 am End Date: AEDT 11/12/22 at 11:59 pm AEDT

5 Start Date: 12/12/22 at 09:00 am End Date: AEDT 18/12/22 at 11:59 pm AEDT

ELIGIBLE ENTRANTS

Entry is only open to QLD, NSW and ACT residents who are 18 years and over.

Employees (and their immediate family members) of agencies/companies directly associated with the conduct of this Promotion, the Promoter, businesses involved in determination of winner/s for the Promotion, businesses involved in the management of the Promotion, any organisation benefiting from the Promotion, the Promoter’s distributors, suppliers, subsidiary companies/businesses and associated companies and agencies are not eligible to enter. "Immediate family member" 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 1st cousin.

Individuals who enter via Instagram must ensure their Instagram account privacy setting is set to public (i.e. not 'private') to be eligible for this Promotion.

HOW TO ENTER

To enter the Promotion, the Entrant must complete the following steps during an Entry Period: a) visit the ROLLiN' Insurance Facebook Page at https://www.facebook.com/RollinInsuranceAu/ OR, the ROLLiN’ Insurance Instagram Page at https://www.instagram.com/rollin_insurance/; b) locate the promotional post for that Entry Period and submit a response to the promotional question for that Entry Period (in 25 words or less); and c) like the promotional post; and d) follow the ROLLiN’ Facebook/Instagram page (as applicable).

ENTRIES PERMITTED

Entrants may submit multiple responses to the promotional posts provided each response is submitted separately in accordance with the entry instructions above. Each entry must contain a different answer to the promotional question. The Entrant is eligible to win a maximum of one (1) prize during the Promotional Period. By completing the entry method, the Entrant will receive one (1) entry.

TOTAL PRIZE POOL

AUD $18,759.58

PRIZE DESCRIPTION

Prize 1: The prize is a $3,500 Woolworths fuel gift card. Qty x1 Value per prize: AUD$3,500.00 Judging 1 – 21/11/22 at 12:00 pm AEDT

Prize 2: The prize is a range of 40 new and second-hand rap & hip hop vinyl records. Qty x1 Value per prize: AUD$3,600.00 Judging 2 - 28/11/22 at 12:00 pm AEDT

Prize 3: The prize is a trip to Los Angeles, USA for two (2) adults which consists of the following:

return economy class flights from either Brisbane or Sydney (whichever is closest) to Los Angeles, USA;
5 nights twin share 4-star accommodation; and
2 x tickets to Peterson Automotive Museum. Qty x1. Value per prize: Up to AUD$8,660.00 depending on date and exact point of departure Judging 3 - 05/12/22 at 12:00 pm AEDT

Prize 4: The prize is a music festival experience, which includes:

2x adult tickets to Field Day (Sydney 1-Jan 2023)
2x tickets to Byron Blues Fest (5 day entry - 6th - 10th April 2023)
2x tickets to the Palm Tree Music Festival Brisbane (11th March 2023) Qty x1 Value per prize: AUD$ 2,039.82 Judging 4 - 12/12/22 at 12:00 pm AEDT

Prize 5: The prize is a Prezzee or other form of gift card, redeemable for:

Netflix (premium): $22.99 x 12 months;
Binge (basic): $10 x 12 months
Stan (basic): $10 x 12 months
Kayo (one): $25 x 12 months; and
Spotify Premium (individual): $11.99 x 12 months. Qty x1 Value per prize: AUD$959.76 Judging 5 - 19/12/22 at 12:00 pm AEDT

PRIZE CONDITIONS

Gift card prizes:

Any ancillary costs associated with redeeming the gift card are not included. Any unused balance of the gift card will not be awarded as cash. Redemption of the gift card is subject to any terms and conditions of the issuer including those specified on the gift card. This Promotion is not endorsed or supported by any third party prize suppliers.
Gift card Terms and Conditions can be found as follows:

Woolworths fuel gift cards: https://giftcards.woolworths.com.au/about/terms-and-conditions; and
Prezzee gift cards: https://www.prezzee.com.au/policies/terms-of-sale/.

Prize 2:

The prize requires the winner to contact the Promoter in order to organise delivery within 4 weeks from date of winner notification via Direct Message on Facebook or Instagram.

Prize 3:

Travel must be taken by July 2023. Prize cannot be taken during Australian school holidays, public holidays or other peak periods. If the winner is unavailable on unwilling to travel on the aforementioned date/s required by the Promoter to coincide with this event, they will forfeit their right to the prize and will not be awarded cash or any other alternative in lieu.
The winner will receive a voucher to use with the Promoter’s travel agency in order to book each individual element of the prize above.
The prize is subject to booking and flight availability.
Prize is subject to the standard terms and conditions of individual prize and service providers, including those specified at https://www.oscarmiketravel.com.au/booking-conditions .
The winner and his/her travel companion must depart from and return to the same departure point and travel together.
Subject to the terms and conditions of the participating prize provider(s), if for any reason the winner does not, once the prize has been booked, take the prize (or an element of the prize) at the time stipulated, then the prize (or that element of the prize) will be forfeited and will not be redeemable for cash.
Spending money, meals, taxes (excluding airline and airport taxes), insurance, passports, visas, vaccinations, transport to and from departure point, transfers, items of a personal nature, in-room charges and all other ancillary costs, unless otherwise specified in the prize description, are not included.
The Peterson Automotive Museum tickets are subject to the event venue and ticket terms and conditions, including any applicable age restrictions. The Promoter and event organisers hereby expressly reserve the right to eject any winner and/or his/her companion for any inappropriate behaviour, including but not limited to intoxication, whilst participating in any element of the prize.
The prize requires the winner to contact the Promoter in order to book travel within 2 weeks from date of winner notification.
The winner and their travelling companion are responsible for meeting all travel and health requirements for any overseas travel. It is the responsibility of the winner and their travelling companion to check with all government health authorities regarding travel requirements and eligibility. Any fines, penalties, expenditure or inability to travel as a consequence of not meeting such requirements are the sole responsibility of the winner and their travelling companion.
The Promoter makes no representation as to the safety, conditions or other issues that may exist at any of the destinations or events forming part of the prize. It is the sole responsibility of winner to check government advisories and/or conditions regarding the safety and situation of any such destinations.
If the prize cannot be provided as intended due to any COVID 19 related restrictions or guidelines, the Promoter reserves the right to award an alternative prize in lieu.
It is a condition of accepting the prize that a winner and their travel companion may be required to sign a legal release as determined by the Promoter in its absolute discretion, prior to receiving a prize.

Prize 4:

This prize is for or relates to Field Day (1st Jan 2023), Blues fest (6th – 10th April 2023) and the Palm Tree Festival Brisbane (11th March 2023) (each festival is an “Event”). If the winner is unwilling or unable to attend at the designated time for an Event, they forfeit the prize and the Promoter is not obliged to substitute the prize.
The prize is subject to the Event venue and ticket/pass terms and conditions, including any applicable age restrictions. The Promoter and event organisers hereby expressly reserve the right to eject any winner and/or his/her companion for any inappropriate behaviour, including but not limited to intoxication, whilst participating in any element of the prize.
The Event terms and conditions can be found below:

Field Day: https://fieldday.com.au/terms/;
Byron Blues Fest: https://www.bluesfest.com.au/terms-conditions/; and
Palm Tree Festival: https://www.teglive.com.au/events/palm-tree-music-festival/.

All costs associated with travel to and from an Event to take the prize, will be the responsibility of the winner and their guest/s for the prize.

Prize 5:

Winners will be required to sign up for an account with the relevant streaming services providers (as listed above). In the case that a winner already has an account with the streaming service provider, the credit can be put towards their existing account. The winner will be required to organise this with the streaming service provider themselves.
It is the winner’s responsibility to cancel the streaming service once the 12 months’ worth of credit has been redeemed (if they no long wish to continue the streaming service).

The winners will be contacted by via email within seven (7) business days of the judging.

UNCLAIMED PRIZES

Winners will be required to claim their prize within thirty (30) days (and in writing). In the event of an unclaimed prize, the Promoter may at its discretion assign the prize to the entry judged the next best entry, conduct a further judging to award the prize, or withdraw the prize unawarded. The Promoter is under no obligation to award any unclaimed prize.

TERMS

The Entrant agrees and acknowledges that they have read these Conditions of Entry (and Schedule) and that entry into the Promotion is deemed to be acceptance of these Conditions of Entry (and Schedule). Any capitalised terms used in these Conditions of Entry have the meaning given in the Schedule, unless stated otherwise.
The Promotion commences on the Start Date and ends on the End Date ("Promotional Period"). Entries are deemed to be received at the time of receipt by the Promoter and not at the time of transmission or deposit by the Entrant. Records of the Promoter and its agencies are final and conclusive as to the time of receipt.
Valid and eligible entries will only be accepted during each Entry Period.
Judging: a) The winners will be determined by representatives of the Promoter. Each entry will be judged on the dates and times outlined below and on the basis of the individual creative merit of the response to the promotional question. Entries open and close for each Judging on the dates/times specified in the table below.
1. Judging Entries Open 14/11/22 at 09:00 am AEDT Entries Close Judging Date 20/11/22 at 11:59 pm AEDT 21/11/22 at 12 pm AEDT
2. Judging Entries Open 21/11/22 at 09:00 am AEDT Entries Close Judging Date 27/11/22 at 11:59 pm AEDT 28/11/22 at 12 pm AEDT
3. Judging Entries Open 28/11/22 at 09:00 am AEDT Entries Close Judging Date 04/12/22 at 11:59 pm AEDT 05/12/22 at 12 pm AEDT
4. Judging Entries Open 05/12/22 at 09:00 am AEDT Entries Close Judging Date 11/12/22 at 11:59 pm AEDT 12/12/22 at 12 pm AEDT
5. Judging Entries Open 12/12/22 at 09:00 am AEDT Entries Close Judging Date 18/12/22 at 11:59 pm AEDT 19/12/22 at 12 pm AEDT

i) The best valid entry, as determined by the judges, for each Judging will each win the corresponding prize specified in the Schedule above.
ii) The judges may select additional reserve entries which they determine to be the next best, and record them in order, in case of an invalid entry or ineligible Entrant.
iii) The winners will be determined by skill. Chance plays no part in determining the winners. The judges' decision is final and binding and no correspondence will be entered into.

All reasonable attempts will be made to contact each winner. Winners will be contacted in writing via Facebook or Instagram (depending on their method of entry).
If any winner chooses not to take their prize (or is unable to), or does not take or claim a prize by the time specified by the Promoter, or is unavailable at the designated time for the Event or at the time stipulated by the Promoter for travel, they forfeit the prize and the Promoter is not obliged to substitute the prize.
The value of the prizes is accurate and based upon the recommended retail value of the prizes (inclusive of GST) at the date of the Promotion commencing. The Promoter accepts no responsibility for any variation in the value of the prizes after that date.
No part of a prize is exchangeable, redeemable for cash or any other prize or transferable, unless otherwise specified in writing by the Promoter.
If a prize (or portion of a prize) is unavailable the Promoter reserves the right to substitute the prize (or that portion of the prize) to a prize of equal or greater value and specification.
No entry fee is charged by the Promoter to enter the Promotion.
Each prize will be awarded to the person named in the entry and any entry that is made on behalf of an Entrant or by a third party will be invalid. 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.
Entrants' personal information will be collected by the Promoter. Personal information will be stored on the Promoter's database. The Promoter may use this information for future marketing purposes regarding its products, including contacting the Entrant electronically. The Promoter is bound by the Australian Privacy Principles in accordance with the Privacy Act 1988 (Cth) and its privacy policy which is located at http://www.iag.com.au/privacy-and-security. The Promoter's privacy policy contains information about how the Entrant may access, update and seek correction of the personal information the Promoter holds about them and how the Entrant may complain about any potential breach by the Promoter of the Australian Privacy Principles or any other Australian privacy laws and how such complaints will be dealt with. The Promoter collects personal information about Entrants to enable them to participate in this Promotion and may disclose the Entrants' personal information to third parties including its contractors and agents, prize suppliers and service providers to assist in conducting this Promotion. If the Entrant does not provide their personal information as requested, they may be ineligible to enter or claim a prize in the Promotion. Personal information collected from Entrants will not be disclosed to any entity located outside of Australia.
The Promoter may provide marketing communications and targeted advertising to you on an ongoing basis by telephone, electronic messages (e.g. email), our digital services and other means. These communications may relate to the products and services. Unless you tell us that you no longer wish to receive these communications, the consent you give us by accepting this Privacy Statement applies for an indefinite period of time. If you do not want to receive direct marketing information from ROLLiN' Insurance, send us an email to support@rollininsurance.com.au.
The Promoter reserves the right to refuse to allow a winner to take part in any or all aspects of a prize, if the Promoter determines in their absolute discretion, that a winner is not in the physical or mental condition necessary to be able to safely participate in or accept the prize. It is a condition of accepting the prize that a winner and their travel companion may be required to sign a legal release as determined by the Promoter in its absolute discretion, prior to receiving a prize.
If a prize is provided to the Promoter by a third party, the prize is subject to the terms and conditions of the third party prize supplier and the provision of the prize is the sole responsibility of the third party and not the Promoter. The terms and conditions which apply to the prize at the time it is issued to the winner will prevail over these Conditions of Entry, to the extent of any inconsistency. The Promoter accepts no responsibility or liability for any delay or failure by the third party to deliver the prize, any delay or failure relating to the prize itself or failure by the third party to meet any of its obligations in these Conditions of Entry or otherwise.
Entry and continued participation in the Promotion is dependent on the Entrant following and acting in accordance with Facebook Statement of Rights and Responsibilities (http://www.facebook.com/terms.php) and the Instagram Terms of Use, (http://instagram.com/legal/terms/). This Promotion adheres to the terms and conditions set out in the Facebook promotion guidelines which can be found at: http://www.facebook.com/promotions_guidelines.php and the Instagram promotion guidelines which can be found at: http://help.instagram.com/179379842258600. Any questions or comments regarding the Promotion must be directed to the Promoter, not to Facebook and Instagram. The Entrant releases Facebook and Instagram and their associated companies from all liabilities arising in respect of the Promotion. Entrants acknowledge that the Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook and Instagram.
Any guarantee or warranty given is in addition to any relevant statutory guarantees and warranties and nothing in these Conditions of Entry restricts, excludes or modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth).
If for any reason any aspect of this Promotion is not capable of running as planned, including by reason of computer virus, communications network failure, bugs, tampering, unauthorised intervention, fraud, technical failure or any cause beyond the control of the Promoter, the Promoter may in its sole discretion cancel, terminate, modify or suspend the Promotion and invalidate any affected entries, or suspend or modify a prize or not run a particular Entry Period (prior to that Entry Period commencing).
The Promoter reserves the right, at any time, to validate and check the authenticity of entries and 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. Incomplete, indecipherable, inaudible, incorrect and illegible entries, as applicable, will at the Promoter's discretion be deemed invalid and not eligible to win. Entries containing offensive or defamatory comments, or which breach any law or infringe any third party rights, including intellectual property rights, are not eligible to win. The use of any automated entry software or any other mechanical or electronic means that allows an individual to automatically enter repeatedly is prohibited and may render all entries submitted by that individual invalid.
All material submitted on entry (e.g. photo(s), image(s), drawing(s), comment(s), sound/video recording(s) and answer(s) to a promotional question) must NOT: (a) be in breach of any laws, regulations and rights, e.g. any laws regarding intellectual property (copyright, trademarks, etc), defamation and privacy; (b) be defamatory, obscene, derogatory, pornographic, sexually inappropriate, contain nudity, aggressive, violent, abusive, harassing, threatening, objectionable or discriminate/vilify any section of the community with respect to race, ethnicity, nationality, religion, origin, sexual preference, mental illness, disability or gender or unsuitable for publication; or (c) contain viruses. Entrants warrant that they own or have the right to license the copyright in any entry submitted by them into this Promotion, for the purposes of this Promotion, that no rights have been granted to any third party in respect of any such entry which would prevent the entry being used as contemplated by this Promotion, and that the use by the Promoter of any such entry will not breach any laws or infringe the rights of any person (including without limitation with respect to privacy, intellectual property and defamation). Entrants must obtain prior consent from any person or from the owner(s) of any property that appears in their entry. By entering, all Entrants license and grant the Promoter, its affiliates and sub-licensees an exclusive, royalty-free, perpetual, worldwide, irrevocable, and sub-licensable right to use, reproduce, modify, adapt, publish and display their entry (including any portion of their entry) for any purpose, including but not limited to future promotional, marketing or publicity purposes, in any media, without compensation, restriction on use, attribution or liability. Entrants further agree, upon request by the Promoter, to assign all of their rights, title and interest (including copyright) in and to their entry to the Promoter and to sign any legal documentation to confirm such assignment. Entrants agree that their entry is their original work and does not infringe the rights of third parties, or that they have obtained full prior consent from any person who has jointly created or has any rights in the aforementioned material. Entrants consent to any use of their entry that may otherwise infringe their moral rights. Entrants are responsible for all entries they submit on entry. The Promoter will not be liable for any entries, to the extent permitted by law. The Promoter reserves the right to remove, request removal or decline to publish any entry or portion of an entry for any reason whatsoever, including if in breach of these Terms and Conditions. The Promoter will have no liability to Entrants if it exercises this right and Entrants must comply with any request made by the Promoter pursuant to this paragraph. The Entrant warrants and represents that any material sent or provided by the Entrant to the Promoter will not infringe any copyright, trademarks or other intellectual property rights of any third party (including moral rights) and that the Entrant has all rights to use the materials and has obtained all necessary consents to comply with any relevant privacy and/or confidentiality requirements. Entrants agree to indemnify the Promoter for any breach of the Terms and Conditions including this clause.
The Promoter reserves the right to disqualify entries in the event of non-compliance with these Conditions of Entry. In the event that there is a dispute concerning the conduct of the Promotion or claiming a prize, the Promoter will resolve the dispute in direct consultation with the Entrant. If the dispute cannot be resolved the Promoter’s decision will be final.
The Promoter and its associated agencies and companies 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 (or recommendation), except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law).
The Entrant will participate in and co-operate as required with all reasonable marketing and editorial activities relating to the Promotion, including (but not limited to) being recorded, photographed, filmed or interviewed and acknowledges that the Promoter may use any such marketing and editorial material without further reference or compensation to them.
Unless otherwise specified, a prize is a single event for the winner (and their guest) and cannot be separated into separate events or components.
The Promoter accepts no responsibility for any tax implications and the Entrant must seek their own independent financial advice in regards to the tax implications relating to the prize or acceptance of the prize.
Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of these rights.
Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as Rollin’ Insurance. To see if a product is right for you, always consider the Product Disclosure Statement and Target Market Determinations available from rollininsurance.com.au