1. Eligibility
1.1 The Pay it Forward promotion is open to any individual who submits an online entry during the campaign period.
1.2 Entrants must be 18 years of age or older and must complete an online entry form. 
1.3 The Pay it Forward promotional duration will be publicised on Summerland Bank’s website (www.summerland.com.au) and its social media channels. 
1.4 Participants are eligible to enter weekly and can enter for each prize draw during the promotional period.  
1.5 Winners are also eligible to enter more than one prize draw. 
1.5 Only Australian residents are eligible to participate in and claim prizes for the Pay it Forward promotion. 

2.Campaign Period
2.1 The campaign will commence on Tuesday 12 November 2024 at 4pm AEST and conclude on Monday 29 December 2024 at 4pm AEST.

3.How to Participate
3.1 Participants must submit their entries online during the campaign period.
3.2 Participants are allowed to enter every week, even if they have previously won a prize. 

4.Weekly Prizes
4.1 The following weekly prizes will be awarded:
– Week One: 60 days of fuel (1 x $400 gift voucher)
– Week Two: 60 days of pet care (1 x $400 gift voucher)
– Week Three: 60 days of self-care (1 x $400 gift voucher)
– Week Four: 60 days of groceries (1 x $1,300 gift voucher)
– Week Five: 60 days of coffee (1 x $400 gift voucher)
– Week Six: 60 days of entertainment (1 x $800 gift voucher).
4.2 Prize availability and variety may be subject to change. 
4.3 A total of one (1) weekly winner will be selected, with total prizes across six weeks valued at $3,700. 
4.4 The prize draw will be conducted at Summerland Bank’s head office in Lismore. Prizes may be sent via registered post or collected in-branch, depending on the winner’s location. 
4.5 Each weekly competition will be open for seven days, with the prize draw taking place at 10:00am every Monday commencing Monday 18 November 2024. 
4.6 Winners will be selected randomly from all eligible entries, announced on Summerland Bank’s social media pages and website, and notified personally. 

5.Prize Collection
5.1 Winners can collect their prizes from any Summerland Bank branch or have the prize sent via registered post.

6.General Conditions
6.1 Prizes are non-transferable and cannot be exchanged for cash or any other alternative unless explicitly stated otherwise.
6.2 Summerland Bank reserves the right to substitute any prize with one of equal value without prior notice. 
6.3 By participating in the promotion, participants consent to the use of their names, photos, and other relevant details for promotional purposes, which may include social media, websites, and marketing materials. 
6.4 Summerland Bank reserves the right to disqualify any entrant found tampering with the entry process, engaging in fraudulent behaviour, or violating these terms and conditions. 

7.Privacy and Data Protection
7.1 By entering the promotion, participants agree to Summerland Bank’s collection, use, and disclosure of their personal information for the purpose of administering the prize draw, fulfilling prizes, and marketing, in accordance with Summerland Bank’s privacy policy.
7.2 Participants may opt out of receiving promotional material from Summerland Bank at any time by following the instructions provided in the entry form or contacting Summerland Bank. 

8.Modifications and Cancellation
8.1 Summerland Bank reserves the right to modify, suspend, or terminate the promotion at any time without prior notice, for any reason, including but not limited to technical issues or fraud.
8.2 Any changes to these terms and conditions will take effect immediately upon their posting on Summerland Bank’s website. 

9.Promoter
9.1 The promotion promoter is Summerland Financial Services Limited, trading as Summerland Bank, ABN 23 087 650 806, AFSL/Australian Credit Licence 239 238.

10.Contact Information
10.1 For inquiries regarding the promotion, prize collection, or any other related matters, please contact Summerland Bank at 1300 728 728 or visit www.summerland.com.au.