Past promo terms and conditions.

Virgin Money Home Loans
Win yourself $10,000 Competition
Terms and Conditions

By entering the Virgin Money Home Loans Win Yourself $10,000 Competition, you are agreeing to the following terms and conditions:

Conditions of Entry

1. Subject to Clause 2, entry is open to all Australian residents over the age of 18 years, who qualify to take out a Virgin Money Home Loan.

2. Employees (and their immediate families) of the Promoter, participating outlets, mortgage brokers and agencies associated with this 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.

3. The winner consents to the use of their name, suburb of residence and image for promotional and marketing purposes and agrees to participate in reasonable promotional activities as requested by the Promoter.

How to Enter

4. To be automatically entered in the draw:

1. Entrants must complete all fields on the entry form and place it in the barrel on display at the Virgin Money home Loans Display stand located at either Melbourne or the Sydney First Home Buyers Expo; and
2. Entrants must apply for a Virgin Money Home Loan no earlier than 10:00am (AEST) Friday 24 August 2007 and before 11:59pm (AEST) Monday 15 October 2007; and
3. The entrant's Virgin Money Home Loan application must be approved by the Promoter and the loan settled by 11:59pm (AEST) on 15 December 2007.

5. Individuals who applied for a Virgin Money Home Loan before the promotional period will NOT be eligible to receive any entry, even if their application is approved and loan settled during the promotional period.

6. Upon completing and submitting the entry form at the Virgin Money Home Loans stand at either the Melbourne or Sydney First Home Buyers Expo the entrant qualifies to enter the minor prize giveaway.

7. Upon qualifying for the minor prize giveaway, the entrant will be instructed by an employee for the Promoter to pick a key from a separate barrel, and using it to try to open the prize door that will be on display. If the key selected by the entrant opens the prize door, the entrant is awarded the minor prize that is contained behind the prize door.

8. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant's identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with the Terms and Conditions or who tampers with the entry process. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.

Duration of Competition

9. The competition will commence at the opening of the Melbourne First Home Buyers Expo on Friday 24 August 2007 at 10:00am (AEST).

10.The competition will close at the conclusion of the Sydney First Home Buyers Expo on Sunday 16 September 2007 at 6:00pm (AEST).

11. The competition is for the duration of both the Melbourne First Home Buyers Expo and the Sydney First Home Buyers Expo. Dates and times for entry are detailed in the following table:

Details of Prizes

12. There will be one major prize, being $10,000, awarded in the form of a cheque.

13. There will be forty-two minor prizes, consisting of a variety of small house hold appliances and movie passes valued up to approximately $60 each. The minor prizes have a combined value of approximately $2,520.

14. The total prize value for the competition is $12,520.

15. All prizes are non-transferable, non-fundable and non-redeemable for cash.

Date, Time and Place of Draw

16. The competition will be drawn manually from a barrel on Tuesday 15 January 2008 at 3:00pm (AEST) at Virgin Money (Australia) Pty Ltd's Head Office, situated at Level 4, 7 Macquarie Place, Sydney, N.S.W. There will be one draw, and the major prize will be awarded to the first entrant drawn.

17. Keys for the minor prizes are picked throughout the duration of both the Sydney First Homes Buyers Expo and the Melbourne First Homes Buyers Expo, to be held between the hours of 10:00am and 6:00pm (AEST) from 24 to 26 August, and 14 to 16 September 2007.

Notification of Winner

18. The winners will be notified by public address announcement, a phone call on the day of the draw, and a letter advising winners of the prize will be posted. The name of the winner of the major prize will be published in the Public Notices section of The Australian newspaper on Friday 25 January 2008.

Unclaimed Prize Draw

19. If any prizes remain unclaimed within three and a half months from the date of the initial draw, an unclaimed prize draw will be conducted on Friday 23 May 2008 at 3:00pm (AEST) at Virgin Money (Australia) Pty Ltd's Head Office, Level 4, 7 Macquarie Place, Sydney, N.S.W.

20. The winner of the unclaimed prize draw (if necessary) will be notified by a phone call on the day of the draw, and a letter advising winners of the prize will be posted. Should the unclaimed prize draw include the major prize having to be re-drawn, the winners' name will be published in the Public Notices section of The Australian newspaper on Friday 30 May 2008.

No Liability

21. To the extent permitted by law, the Promoter is not responsible or liable for:

1. Inaccurate/incorrect transcription of entry information;
2. Purported entries that are not received for some reason, including because they are lost, misdirected, or stolen, or that were received, but are late, incomplete, or not completed in accordance with the entry instructions;
3. Any problems or technical failures of any kind, including malfunction of any telephone network or lines, computer online systems or network, servers or providers, computer equipment or software;
4. The unavailability or inaccessibility of any service whether or not caused by traffic congestion on the internet or any website; 
   
5. Unauthorised human intervention in any part of this competition;
6. Electronic or human error which may occur in the administration of the competition;
7. Any loss suffered or sustained, to any person or property and including but not limited to, consequential (including economic) loss by reason of any act or omission, deliberate or negligent, by the Promoter, or its servants or agents, in connection with the arrangement for supply, or the supply of any goods or services by any person to a prize winner and, where applicable, to any family/person accompanying a winner;
8. Any prizes damaged or lost in transit;
9. Any late, lost or misdirected mail;

22. In the case of intervention of any outside act, agent or event which prevents or significantly hinders the Promoter's ability to proceed with the competition on the dates and in the manner prescribed in these terms and conditions, the Promoter in its absolute discretion may cancel the competition and recommence it from the start on the same terms and conditions, subject to any State Regulation.

Promoter's Details

23. The Promoter is Virgin Money (Australia) Pty Ltd (ABN 81 117 183 623), Locked bag 6505, St Leonards DC, NSW, 2065.

24. This promotion is authorised under NSW PERMIT NUMBER LTPS 07/24343 and VIC PERMIT No. 07/3365.