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  1. Budget Direct Pet Insurance is administered by Pet Health Insurance Services Pty Ltd ABN 59 638 910 675 as Authorised Representative 1282153 of Auto & General Insurance Company Limited ABN 42 111 586 353 AFSL 285571 (Insurer), Registered Office: 13/9 Sherwood Road, Toowong 4066 on behalf of the insurer AGIC and is promoted by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (Promoter).
  2. These Terms and Conditions apply to the promotion, “Pet Christmas eGift card Competition”. Customers will receive entries into the competition where the Promoter is offering Twenty (20) eGift Cards to the value of $500 (each a Prize) when they obtain a new Budget Direct Pet Insurance quote from Budget Direct and/or purchase a new Budget Direct Pet Insurance policy (see Eligibility and Participation section) (Promotion).
  3. The Promotion commences on 12.01am (AEST) on Wednesday, 15 December 2021 and ends at 11.59pm (AEST) on Wednesday 2 February 2022 (Promotion Period). Despite the Promotion Period, the Promoter may elect to cease the Promotion at any time in its sole discretion.
  4. Entry into the Promotion and any offer of Budget Direct Pet Insurance is subject to the Insurer deeming that the risk is acceptable in accordance with its Underwriting Criteria. Before purchasing a policy, consider if the product is right for you by reading the Product Disclosure Statement, Target Market Determination and Financial Services Guide.
  5. Information on how to enter and mechanics of entry and prizes form part of these Terms and Conditions. Entry into the Promotion is deemed acceptance of these Terms and Conditions. If there is any conflict between these Terms and Conditions and any other published material, these Terms and Conditions prevail.
  6. Eligibility and Participation
  7. Customers must meet the following criteria to participate in the Promotion (Eligible Entrant):
    1. be an Australian resident aged 16 or over at time of entry;
    2. not be an officer or employee of the Promoter, its related entities or agents and service providers directly associated with the conduct of the Promotion, or their immediate family;
    3. provide a valid email address; and
    4. during the Promotion Period:
      1. obtain a quote for a new Budget Direct branded Pet Insurance policy through Budget Direct’s website or over the phone by calling 1800 931 664 (Eligible Budget Direct Quote); or
      2. purchase a new Budget Direct branded Pet Insurance policy through Budget Direct’s website or over the phone by calling 1800 931 664 (Eligible Budget Direct Policy) and ensure the Eligible Budget Direct Policy remains active and valid for a period not less than 21 days from the purchase date of the policy (Cooling-Off Period). For the avoidance of doubt this Promotion is only open to customers purchasing a new policy, not customers renewing their policies with Budget Direct; and
    5. ensure the new Eligible Budget Direct Policy remains active and valid until the Draw Date or Unclaimed Prize Draw Date, as is relevant.
  8. Customers of Budget Direct who purchase an Eligible Budget Direct Policy via third party aggregation platforms such as Compare the Market or iSelect are ineligible to participate in the Promotion.
  9. Eligible Entrants will be awarded a maximum of:
    1. one (1) entry into the Promotion for an Eligible Budget Direct Quote completed during the Promotion Period. Additional entries will not be awarded for multiple quotes related to the same pet within the Promotion Period.
    2. five (5) entries into the Promotion for each Eligible Budget Direct Policy purchased during the Promotion Period. Additional entries will be awarded for multiple Eligible Budget Direct Policy purchases.
  10. The Promoter reserves the right to request that an Eligible Entrants provide supporting documentary evidence of their identity (e.g. driver’s licence, passport, birth certificate) and if an Eligible Entrant fails to do so they will be ineligible to participate in the Promotion.
  11. Draw and Prizes
  12. The Prize draws will take place at 9 Sherwood Road, Toowong Brisbane 4006 (Draw Location) at 10.30am (AEST) on 23 February 2022 (Draw Date).
  13. The total maximum prize pool for the Promotion is $10,000. A total of twenty (20) Eligible Entrants, who have provided evidence of their eligibility and the validity of their entry, upon request, to the reasonable satisfaction of the Promoter (Eligible Winners) will be selected on the Draw Date. Each Eligible Entrant is only eligible to be awarded a maximum of one Prize irrespective of the number of entries deemed acceptable by the Promoter to participate in the Promotion.
  14. The Eligible Winner will be notified via their nominated email address within two (2) business days of the Draw Date. The Eligible Winner’s names’ will be published on the terms and conditions page of the Promoter’s website at www.budgetdirect.com.au/terms-conditions/pet-500giftcard-competition.html within twenty-eight (28) days of the applicable prize draw and will remain on the Promoter’s website for no less than twenty-eight (28) days. All reasonable steps will be taken by the Promoter to notify the Eligible Winners.
  15. The Promoter may draw up to twenty (20) additional reserve entries on the Draw Date and record them (in order) in case of an invalid entry or the entrant is ineligible to accept the Prize. In the event of an invalid entry, an ineligible entrant, or if an Eligible Winner declines to accept a Prize, the Prize will be awarded to the first reserve entry drawn. If a Prize cannot be awarded to an entrant drawn, the Promoter will continue this process until the Prize is awarded.
  16. A Prize will be deemed unclaimed if the Promoter is not reasonably able to contact the Eligible Winner within three (3) months and one (1) day of the Draw Date via the contact details provided at the time of completing the competition entry form, Eligible Budget Direct Quote or purchasing the Eligible Budget Direct Policy.
  17. If any Prize remains unclaimed, an unclaimed prize draw (Unclaimed Prize Draw) will be held at the Draw Location, by no later than 7 May 2022, subject to any written directions made under applicable State or Territory Legislation (Unclaimed Prize Draw Date).
  18. The Unclaimed Prize Draw Eligible Winner will be notified via their nominated email address within two (2) business days of the Unclaimed Prize Draw Date. The Unclaimed Prize Draw Eligible Winner’s name will be published on the terms and conditions page of the Promoter’s website following the draw and will remain on the Promoter’s website for no less than twenty-eight (28) days.
  19. The Eligible Winners, or Unclaimed Prize Draw Eligible Winners, will receive an email with a link to access their Prize within twenty-eight (28) days of the Draw Date or Unclaimed Prize Draw Date, as is relevant, from Digital Glue Australia Pty Limited ABN 36 127 466 899 (Digital Glue) who operates the redemption website. Each Eligible Winner, or Unclaimed Prize Draw Eligible Winner, will then be required to follow the instructions contained in the email and on the website of Digital Glue for the redemption of their Prize.
  20. Privacy Statement and Marketing Consent
  21. The Promoter is committed to protecting Personal Information (as defined by the Privacy Act 1988 (Cth)) and is bound by the Privacy Act 1988 (Cth). The Promoter’s privacy policy is available on the website www.budgetdirect.com.au and further details of how the Promoter will collect, store, use and disclose personal information can be found there.
  22. Personal information is collected in connection with entry into this Promotion for the purpose of facilitating access to the Prize. If the personal information requested is not provided, then a person will be ineligible to participate in this Promotion. By entering into the Promotion, the customer consents to the Promoter disclosing the personal information to the Prize supplier, and to any of the Promoter’s related entities, using the personal information to process and validate the customer’s claim for the Prize, and to arrange delivery to the customer (if eligible).
  23. By entering the Promotion, entrants acknowledge that a further primary purpose for collection of the entrant’s Personal Information is to contact the entrant in the future with information about the Promoter or its related bodies corporate, including special offers, market research or to provide marketing materials via any medium including mail, telephone and commercial electronic messages (SMS (Short Message Service), MMS (Multimedia Message Service), IM (Instant Messaging) and email) or any other form of electronic, emerging, digital or conventional communications channel whether existing now or in the future.
  24. The Promoter will never sell an entrant’s Personal Information to other companies, however the Promoter may share an entrant’s Personal Information with its Australian and overseas related bodies corporate, promotional partners, servants, employees, agents and trusted third parties who may contact the entrant for their legitimate commercial purposes. By entering the Promotion, entrants acknowledge and agree that the Promoter and any applicable third parties may use their Personal Information in the manner set out in this condition.
  25. The Eligible Entrant agrees that, in the event they are an Eligible Winner, the Promoter may use their contact details for the purpose of facilitating the conduct of the Promotion and awarding any Prize. The Eligible Entrant will participate in all reasonable promotional activities in relation to the Promotion, as requested by the Promoter and its agents. This may include the Eligible Winner’s name, likeness, image and/or voice (including photograph, film and/or recording of the same), in any media worldwide for whatever purpose and without notification, remuneration or compensation, for marketing and or promotional purposes, for an indefinite period.
  26. General
  27. If there is a dispute regarding the conduct of the Promotion, the parties agree that the decision of the Promoter will be final.
  28. This Promotion is not available in conjunction with any other promotion or offer except for the Pet Christmas $100 eGift card.
  29. The Promoter reserves the right to disqualify any person from receiving a Prize if any of the following occurs:
    1. If it suspects fraudulent activity; or
    2. for a breach of these Terms and Conditions; or
    3. if it decides the person has not acted in good faith; or
    4. for any false or misleading conduct of any kind.
  30. A Prize is not reloadable, transferable or exchangeable and cannot be taken as cash. If a Prize or receipt of it incurs a tax liability, the relevant recipient of the Prize is liable for payment of such tax.
  31. Terms and Conditions of the individual Prize will be printed on the reward itself and/or be made available on the card supplier's website. Check the Prize for usage instructions and expiry date. Expired Prizes cannot be extended or replaced.
  32. The redemption website is operated and hosted by Digital Glue Australia Pty Limited ABN 36 127 466 899 (Digital Glue). The Promoter is not responsible for, or liable in respect of, products and services provided by Digital Glue.
  33. The Promoter, (including its officers, employees and agents) will not be liable for any loss or damage whatsoever (including but not limited to direct or consequential loss) including any theft, unauthorised access, third party interference, any technical difficulties or equipment malfunction, or personal injury (including loss of opportunity) suffered or sustained in connection with the Promotion, or the receipt, acceptance, or use of the Prize (whether negligent or not), except for any liability that cannot be excluded by law.
  34. The Promoter reserves the right at its discretion or subject to any written directions from a regulatory authority, to modify, suspend, terminate, withdraw, or cancel the Promotion at any time without notice. These Terms and Conditions may be varied at any time without notice.
  35. The Promoter reserves the right to withdraw or substitute the Prize with another offer or equal of greater value at the Promotor’s discretion.
  36. All amounts are in Australian dollars.

ACT Permit No: TP 21/02148

SA Permit No: T21/1933