Win 1 of 10 $1,000 Virtual Visa eGift Cards by Getting a Quote

1. These Terms and Conditions apply
to the nib “Get a Quote to Win 1 of
10 $1,000 Virtual Prepaid Visa
Cards” Competition
(“Competition”). By participating,
entrants agree to be bound by these
Terms and Conditions.
2. Entries must comply with these
Terms and Conditions to be valid.
3. The Promoter is nib health funds
limited (ABN 83 000 124 381) of 22
Honeysuckle Drive, Newcastle
NSW 2300 (“Promoter” or “nib”).
ACT Permit No. TP 22/00249, SA
Permit No. T22/164.
4. The Competition commences at
12am (AEDT) on 21 February 2022
and closes at 11.59pm (AEST) on
31 March 2022. (“Competition
Period”).
5. There are 10 individual prizes to be
won. Each prize consists of a Virtual
Prepaid Visa Card valued at $1,000
(inclusive of GST) (each a “Prize”).
The Virtual Prepaid Visa Card can
be used at any website online that
accepts Visa. It cannot be used instore. The total Prize pool for the
Competition is $10,000. Virtual
Prepaid Visa Card terms are
available at
https://virtualvc.com.au/Terms.
6. The Competition is a game of
chance.
How to enter
7. Entry into the Competition is open
to persons aged 18 years or over
who are not a current policy holder
of a product issued by nib (including
Qantas Health Insurance, Suncorp
Health Insurance, GU Health
Insurance, AAMI Health Insurance,
Apia Health Insurance, ING Health
Insurance, nib International Workers
Health Insurance, nib Overseas
Students Health Insurance or nib
Corporate Health Insurance)
(“Eligible Entrants”).
8. To enter, Eligible Entrants must
visit https://www.nib.com.au/healthinsurance/quote/welcome, apply for
a quote (and provide any other
requested information including
their first name, last name, valid and
current email address, date of birth
and phone number) and receive a
copy of the quote at the email
address provided in the quote
application form.
9. Eligible Entrants must retain a copy
of the quote as proof of entry into
the Competition.
10.Eligible Entrants must not be an
employee of the Promoter or its
related entities and must not have
any immediate family members who
are employees of the Promoter or
its related entities. Immediate family
means spouse, de facto spouse,
child or stepchild (whether natural
or by adoption), parent or step
parent, brother, sister, step brother
or step sister.
11.Eligible Entrants can enter only
once.
12.Entries must be received during the
Competition Period and will be
deemed to be received only when
they have actually been received by
the Promoter.
13.Entrants are responsible for their
own costs associated with entering.
14.Entrants who use automatically
generated entries or multiple
aliases, may be disqualified from
the Competition.
15. Competition entries become the
property of the Promoter upon
submission.
16.Eligible Entrants agree to the
Promoter’s use of their feedback in
any medium in connection with this
Promotion as well as the Promoter’s
future marketing and
communication activities.
Prize Draw and Redemption
17.Only one Prize can be won by an
Eligible Entrant (except for SA
residents).
18.Prizes are not transferrable,
exchangeable or redeemable for
cash.
19.Prizes may not be resold, offered
for resale, used for advertising,
promoting or other commercial
purposes. Prizes must be taken as
offered and may not be varied.
20.The Prize values are correct as at
the date of preparing these Terms
and Conditions and include any
applicable GST.
21.The Promoter does not accept
responsibility for any variation in the
Prizes. If any Prize is unavailable,
the Promoter reserves the right to
substitute the Prize with a prize of
equal or greater value, subject to
any applicable regulation.
22.The Prize draw will take place on 06
April 2022 at 12pm (AEDT) at
Gadens, Level 13, 447 Collins
Street, Melbourne VIC 3000. The
first 10 valid entries drawn randomly
from the entries received during the
Competition Period will win a Prize.
23.Winners will be contacted by email
within 2 business days of the draw.
24.Winners’ names and state of
residence will be published on
https://cloud.au.nib.com.au/quotecomp (“Website”) on 08 April 2022
for 28 days.
25.Prizes will be delivered via email
from 13 April 2022 once winners
have confirmed their email address
and have acknowledged that their
Prize will be sent to that email
address.
26. If a Prize has not been accepted or
claimed by 12 August 2022 (the
“Prize Claim Date”) or if, after
making all reasonable attempts, the
Promoter cannot contact a winner
(or a winner does not contact the
Promoter) by the Prize Claim Date,
the relevant entry/ies will be
discarded and the Promoter will
conduct an unclaimed prize draw on
16 August 2022 at the same time
and place as the original draw in
order to distribute the unclaimed
Prize/s.
27.Any winner/s in the unclaimed prize
draw will be contacted by email
within 2 business days.
28.The names and state of residence
of any winner/s in the unclaimed
prize draw will be published on the
19 August 2022 on the Website for
28 days.
29. If any prize remains un-won at the
end of this promotion, or if a prize
winner cannot be found, that
information will be published on the
Website on 19 April 2022.
30.Prizes and all elements of Prizes
must be taken as and when offered
or will be forfeited, and if forfeited,
the Promoter will not be liable.
Prizes are subject to any additional
terms and conditions imposed by
the relevant supplier or the
Promoter including relevant validity
periods.
31.Where the Promoter, acting
reasonably, is of the view that an
entrant has breached these Terms
and Conditions, it reserves the right
to discard their entry.
32.The Promoter reserves the right, at
any time, to verify the validity of
entrants (including documents to
establish to the Promoter's
satisfaction of an entrant’s identity,
age and place of residence) and
may disqualify any entrant who is
not eligible to enter the Competition
under these Terms and Conditions
or who fails to verify the validity of
their entry. Failure by the Promoter
to enforce any of its rights at any
stage does not waive those rights.
33.Each Eligible Entrant acknowledges
that:
a. The Prepaid Virtual Visa
account can only be used in
shopping environments
where a physical card is not
required (online, over the
phone or mail order). It
cannot be used for face to
face transactions at
merchants, financial
institutions or ATMs. The
account cannot be used to
make transactions that
exceed the available
balance. For such a
transaction, you need to pay
the difference by another
method if the site or
merchant agrees.
b. The preloaded value on the
Virtual Prepaid Visa Card will
expire as per the expiry date
shared in the email. Once the
Virtual Prepaid Visa Card
expires any remaining
balance will be forfeited.
Balances can be checked at
https://virtualvc.com.au/
c. c. A 2.99% foreign exchange
conversion fee applies to
transactions in any currency
other than Australian dollars
and is calculated on the
Australian dollar transaction
amount. This will be included
in the total transaction
amount debited to the
account.
d. The Virtual Prepaid Visa
Card cannot be redeemed for
cash, reloaded, returned for a
refund, or be replaced after
expiry and is not legal tender,
an account card, a credit or
security. See the full Terms
for the Virtual Prepaid Visa
Card at
https://virtualvc.com.au/Term
s
e. Any dispute about goods or
services purchased with the
Virtual Prepaid Visa Card
must be resolved with the
retailer. To the extent
permitted by law, Edge
Loyalty and the Promoter’s
liability is limited to replacing
faulty Virtual Prepaid Visa
Cards.
f. The Promoter has no
obligation to replace or
refund value for misused,
lost, stolen or damaged
accounts. You are
responsible for all
transactions on the account,
except where there has been
fraud or negligence by our
staff or agents. If you notice
any error relating to the
account, you should notify
ELS Client Services
immediately on 1300 079 267
during business hours, visit
https://virtualvc.com.au/Cont
actUs or email
info@giftcardplanet.com.au
g. The Visa Virtual Gift Card is
issued by Heritage Bank
Limited ABN 32 087 652 024,
AFSL ACL 240984 pursuant
to a license from Visa
Worldwide Pte Ltd. Please
visit http://virtualvc.com.au/
to review the card terms and
conditions, to check the card
expiry and the card balance.
h. In order to use the Virtual
Visa Voucher, Prepaid Virtual
Visa Accounts must be
activated online at
https://virtualvc.com.au/Regis
ter within two (2) months of
receiving it by entering your
Virtual Visa Voucher access
code. Once fully registered, a
16-digit Account number will
be displayed on the account
activation screen and the
account's expiry date and
CVV2 security code will be
emailed to the email address
provided. The Virtual Visa
Voucher will expire six (6)
months from date of
activation.
i. The account is valid for six
(6) months from the date of
on-line activation or until the
entire value has been
exhausted, whichever occurs
first. At expiry, the remaining
available balance will be
forfeited
General terms
34.Entrants must not, in relation to this
Competition:
a. tamper with the entry
process;
b. engage in any conduct that
may jeopardise the fair and
proper conduct of the
Competition;
c. act in a disruptive, annoying,
threatening, abusive or
harassing manner;
d. do anything that may
diminish the good name or
reputation of the Promoter or
any of its related entities or of
the agencies or companies
associated with this
Competition;
e. breach any law; or
f. behave in a way that is
otherwise inappropriate.
35. The Promoter is not liable for
entries, Prize claims or
correspondence that are misplaced,
misdirected, delayed, lost,
incomplete, illegible or incorrectly
submitted.
36.The Promoter is not liable for any
problems with communications
networks.
37. If any dispute arises between you
and the Promoter concerning the
conduct of this promotion or
claiming a prize, the Promoter will
take reasonable steps to consider
your point of view, taking into
account any facts or evidence you
put forward, and to respond to it
fairly within a reasonable time. In
all other respects, the Promoter’s
decision in connection with all
aspects of this competition is final.
38. If this Competition cannot run as
planned for any reason beyond the
Promoter's control, for example due
to software, hardware or
communications issues,
unauthorised intervention,
tampering, fraud or technical failure,
the Promoter may end, change,
suspend or cancel the Competition
or disqualify affected
entries/entrants, subject to any
necessary approval by the
state/territory gaming authorities.
39.The Promoter is not responsible for
any tax implications arising from
entrants winning a Prize. Entrants
should seek independent financial
advice. If for GST purposes this
Competition results in any supply
being made for nonmonetary
consideration, entrants must follow
the Australian Taxation Office’s
stated view that where the parties
are at arm’s length, goods and
services exchanged are of equal
GST inclusive market values.
40.Except for any liability that cannot
be excluded by law (in which case
that liability is limited to the
minimum allowable by law), the
Promoter excludes all liability
(including negligence), for any
personal injury; or any loss or
damage (including loss of
opportunity); whether direct,
indirect, special or consequential,
arising in any way in connection
with this Competition, including but
not limited to:
a. any technical difficulties or
equipment malfunction
(whether or not under the
Promoter's control);
b. any theft, unauthorised
access or third party
interference;
c. any tax liability incurred by a
winner (independent financial
advice should be sought); or
d. accepting and/or using the
Prize.
41.Without limiting the previous
paragraph, the Promoter and the
agencies and companies
associated with this competition are
not liable for any loss of, damage to
or delay in delivery of prize/s, or for
any damage that occurs to
displayed prize/s (where relevant).
Unless otherwise specified, prize/s
will only be delivered to addresses
in Australia. The Promoter is not
responsible for any undelivered
emails due to an entrant’s spam
filters or email settings.
42.The Promoter reserves the right to
disqualify any persons who breach
any of these Terms and Conditions,
provide false information or who
seek to gain an unfair advantage or
to manipulate this Competition.
43. Nothing in these Terms and
Conditions limits, excludes, modifies
or purports to limit, exclude or
modify the statutory consumer
guarantees as provided under the
Competition and Consumer Act
2010 (Cth), as well as any other
implied warranties under the ASIC
Act or similar consumer protection
laws in the State and Territories of
Australia.
44.This competition is in no way
sponsored, endorsed or
administered by, or associated with
any social media platform, including
Facebook, Instagram and Twitter.
You provide your information to the
Promoter and not to any social
media platform. You completely
release any relevant social media
platforms from any and all liability.
45.Personal information is being
collected by the Promoter for the
purpose of conducting and
promoting this Competition, and to
assist the Promoter to improve its
services. By entering this
Competition, an entrant consents to
storage and use of their personal
information by the Promoter in
accordance with its Privacy Policy.
If the personal information is not
provided, the entrant may not
participate in this Competition.