COMPETITION TERMS & CONDITIONS

This Competition Policy applies to all registered entries to the Win $ 5000 competition.

Failure by The Mortgage Gallery to follow or uphold this Competition Policy and/or any Contest Rules will not give rise to a claim by any person.

1. Specific contests may have a set of rules specific to that Competition (Contest Rules), in which case:

1.1. the contest will be governed by both this Competition Policy and the Contest Rules;

1.2. to the extent that there is inconsistency between the rules contained in this Competition Policy and the Contest Rules, the Contest Rules will prevail; and

1.3. a person who enters a Competition agrees to be bound by both this Competition Policy and, if in effect, the Contest Rules.

3. Every Competition will be conducted (and a winner(s) determined) at the absolute discretion of The Mortgage Gallery . The Judge(s) decision is final and no correspondence will be entered into.

4. Entry is open to all residents of  Australia, except:

4.1. any person who does not meet the eligibility requirements of the Competition which may be specified in the Contest Rules;

4.2. any person who does not give complete or correct registration or other details requested by The Mortgage Gallery upon the entering of, or during the course of, a
Competition;

4.3. employees, servants, agents, sub-contractors or those employed by sub-contractors of thewest.com.au and their immediate family (including, but not limited to, their parents, siblings, children, and de facto partners (Immediate Family));

4.4. employees, servants or agents and their Immediate Family of the companies that are providing the prize(s) of each Competition as may be, but not necessarily, contained in the Contest Rules;

4.5. any other person whom The Mortgage Gallery deems ineligible. This may include, but is not limited to, person(s) who have previously won a prize(s) due to any Competition(s) run by The Mortgage Gallery ;

4.6. persons under the age of 18 where a Competition's prize(s) consist of alcohol and/or the provision of a vehicle.

5. Any person, who is found to have given incorrect information when entering a Competition, or any previous Competition, is immediately disqualified from entering any further Competitions. If a person is discovered to have given incorrect information in relation to a Competition that is still running (or a winner has yet to be decided or found), such person will be immediately disqualified and/or removed from that Competition.

6. Any person who enters a Competition (an Entrant) and is awarded a prize(s), and who is subsequently deemed ineligible for that Competition due to being a person listed under clauses 5 and 6 above, may be required, at the discretion of The Mortgage Gallery , to forfeit, return, refund, or otherwise make restitution of the prize(s).

7. Some prizes may be claimed in person by the winning Entrant (or a nominated representative of the winning Entrant) who must provide some form of official photo identification (for example a drivers licence or passport).

8. If the winner is under 18 years of age, a parent or guardian of the winner must also be present when claiming and provide photo identification as well as signing and endorsing this Competition Policy, the Contest Rules (if any) and/or any other relevant agreements.

9. Any person claiming the prize(s) may be required to sign and endorse this Competition Policy, the Contest Rules (if any) and/or any other relevant agreements.

10. The prize(s) must be claimed within 3 months from the date of winning, unless otherwise agreed or specified by The Mortgage Gallery .

11. All prize(s) not claimed for any reason within the time frame specified in the Contest Rules (including for the reasons set out in clauses 6, 7, 8 and/or 9 above) will be deemed to be forfeited or abandoned by the winner and will be dealt with according to legislative requirements.

12. All prizes of every Competition:

12.1. if in the form of something other than cash, are in no way redeemable or transferable for cash;

12.2. must, where applicable, be used on the dates specified;

12.3. are subject to any other condition or stipulation given by The Mortgage Gallery including, but not limited to, those provided in the Contest Rules; and

12.4. may be substituted for a replacement prize(s) at the absolute discretion of The Mortgage Gallery

13. The prize(s) include only the costs and expenses directly given as being part of the prize(s). Any relevant cost(s) associated with, consequential to,
and/or resulting from the acceptance and claiming of the prize(s) are to be covered by the winner. This includes all relevant taxes and charges associated with the acceptance, use and/or ownership of the prize(s).

14. All Entrants to the Competition(s) (including any subsequent winners):

14.1. agree to (if required by The Mortgage Gallery at any time) to engage in a photo, video, film and/or radio session, or any other form of publicity for The Mortgage Gallery (unless the Entrant specifically requested to retain their anonymity at the time of entering any Competition;

14.2. agree to the broadcasting or other publicising of an Entrant's name, character, statements, voice recordings or any other information regarding the Entrant, in any advertising or promotional activities concerning a Competition or Competitions of The Mortgage Gallery in general. This includes
the use of a winner's name to disclose that they have won a Competition; and

14.3. agree to allow The Mortgage Gallery to use in any reasonable manner as they see fit, any materials submitted in connection with any Competition, whether in written, electronic, visual, audio and/or any other form). Such materials (and all Copyright in them) become(s) the property of The Mortgage Gallery and the Entrant waives all moral rights it may have in such materials.

15. If any technical or other problems or difficulties occur, such as:

15.1. the telephone call between an Entrant andThe Mortgage Gallery , or a representative of The Mortgage Gallery , and/or another Entrant, is ended
for any reason, including those which are the fault of The Mortgage Gallery

15.2. those difficulties arising from the use of the Internet in either the entering of, or participation in, any Competitions, including the non-submission of information;

15.3. any other attempted correspondence in any form between an Entrant and The Mortgage Gallery , such as via the methods noted in clauses 16.1 and 16.2, Short-Message-Service (SMS), or facsimile, does not reach its intended destination or is not received by its intended recipient (including situations where the information reaches The Mortgage Gallery but is not received by the relevant department or employee);

15.4. those relating to any procedures of an administrative nature which result in any aspect of a Competition being affected; and/or

15.5. any problem that is directly or indirectly related to the running of a Competition, which may affect the outcome of a Competition and/or the determination of any winner, whether a result of technical or other problems or difficulties of The Mortgage Gallery , its affiliates, the Entrant, or any third party,

The Mortgage Gallery  will not be responsible and may also disqualify any Entrant to whom the above is relevant and may also award the prize to any other person. Such disqualification or allocations of prizes are at the absolute discretion of The Mortgage Gallery

16. The Mortgage Gallery may amend or change this Competition Policy, and any Contest Rules, at any time without notice.