1. Information on how to claim and the offer(s) (defined below) form part of these Terms and Conditions. Participation in the Offer is deemed acceptance of these Terms and Conditions. Offer is not valid in conjunction with any other offer.
2. The offer is available from 12:00AM AEST on 1st July 2024 to 11:59PM AEST 31st October 2024 (“Offer Period”).
3. The Promoter is Southern Cross Credit Union Ltd (ABN 82 087 650 682) of PO Box 1602 Kingscliffe NSW 2487, telephone number 1300 360 744 (“Promoter”). Insurance policies are issued by Allianz Australia Insurance Limited (Allianz, ABN 15 000 122 850, “Issuer”).
4. The Offer is for one (1) $150 eGift card issued by Prezzee Pty Ltd ABN 16 602 963 422 (“Offer”).
5. To be eligible for the Offer:
   • Individuals must purchase a new Eligible Policy (defined below) through Southern Cross Credit Union Ltd during the Offer Period and provide a valid email address; and
   • the Issuer must receive full payment of the annual policy premium or the first instalment of premium, if paying by the month; and
   • The start date of the Eligible Policy must occur during the Offer Period; and
   • The Eligible Policy must not be lapsed or cancelled at the time the Offers are distributed, which will be within 90 days from the start date of the policy; and
   • Policy holders must be Australian residents aged 18 years or over (“Eligible Customer”).
6. For the purposes of this Offer, an “Eligible Policy” is new:
   • Southern Cross Credit Union Home and Contents Insurance (‘Buildings’ or ‘Buildings and Contents’); or
   • Southern Cross Credit Union Landlord Insurance (‘Buildings’ or ‘Buildings and Contents’); or
   • Southern Cross Credit Union Comprehensive Motor Insurance.
7. For clarity, ‘Contents Only’ of any kind are excluded from this Offer.
8. Variations and renewals to existing policies are excluded from this Offer.
9. Multiple Offers permitted, subject to one (1) Offer per Eligible Policy. If a policy has two (2) or more policy holders, the first policy holder named on the policy schedule will be awarded the Offer.
10. The name and email address of the Recipient will be supplied to Prezzee Pty Ltd to enable sending of the Offer. If you do not wish to take up the Offer, please advise the Promotor by phone.
11. A redemption code for the Offer will be sent to the valid email address provided by the Eligible Customer within 90 days from the start date of the policy. The redemption code must be used to activate the Offer within sixty (60) days of the date it was issued. The eligible Customer is responsible for redeeming the Offer before the expiry date for activation.
12. Terms and Conditions of the applicable retailer will apply to the redeemed Offer. The Offer is not refundable or redeemable for cash and expired Offers cannot be extended or replaced. Redemption of the Offer is managed by Prezzee Pt Ltd ABN 16 602 963 422. For more information and terms go to https://www.prezzee.com.au/. Any ancillary costs associated with redeeming the Offers are not included. Any unused balance of the Offer will not be awarded as cash. Redemption of the Offer is subject to any terms and conditions of the issuer including those specified on the Offer.
13. The Promoter reserves the right, at any time, to verify the identity and eligibility of each Eligible Customer, and reserves the right, in its sole discretion, to disqualify any person who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the claim process or engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of this Offer. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
14. If there is a dispute, the Promoter reserves the right, in its sole discretion, to make a reasonable determination. The Promoter’s decision is final, and no correspondence will be entered into.
15. Eligible Customers will be notified by email.
16. If there is Incomplete information (including where an email address provided is invalid) the Eligible Policy will not be eligible for the Offer.
17. If an Eligible Customer does not redeem an Offer at the time stipulated by the Promoter, then Offer (or that element of the Offer) will be forfeited.
18. If any Offer (or part of any Offer) is unavailable, the Promoter, in its discretion, reserves the right to substitute the Offer (or that part of the Offer) with an Offer to the equal value and/or specification.
19. Offers, or any unused portion of an Offer, are not transferable or exchangeable and cannot be taken as cash, unless otherwise specified.
20. If this Offer is not capable of being conducted as anticipated due to reasons beyond the control of the Promoter, the Promoter reserves the right, in its sole discretion, to modify, suspend, terminate, or cancel the Offer, as appropriate in the circumstances.
21. Eligible Customer consent to the Promoter using their name, likeness, image and/or voice in the event they are a successful Eligible Customer (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Offer (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
22. Liability for any tax (other than FBT) arising out of participation in this promotion (including acceptance of a prize) is the sole responsibility of the entrant. Entrants should seek independent financial advice in this regard.
23. The Promoter collects personal information (“PI”) in order to conduct the Offer and may, for this purpose, disclose such PI to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Entry is conditional on providing this PI. In addition to any use that may be outlined in the Promoter’s Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the PI for the purpose of conducting this Offer, promotional, marketing, publicity, research and profiling purposes and sending electronic messages, offers and information to each Eligible Customer.
    For further details about how we handle PI and details about how Eligible Customers can request access and correction of their information or complain about a breach of the Australian Privacy Principles, please see our Privacy Policy which is available at https://sccu.com.au/app/uploads/2022/07/Privacy-Policy-Jan-2022.pdf. The Privacy Policy also contains information about how Eligible Customers may opt out, access, update or correct their PI, how Eligible Customers may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with. The Privacy Policy also contains information about how Eligible Customers may opt out, access, update or correct their PI, how Eligible Customers may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with.
24. The Offer is in no way sponsored, endorsed, or administered by or associated with Facebook or Instagram. Eligible Customers completely release Facebook and Instagram from any and all liability relating to the Offer.
25. Nothing in these terms and conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the NonExcludable Guarantees, the Promoter (including its respective officers, employees and agents) 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 out of the Offer.
26. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and 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 out of: (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 claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in Offer value to that stated in these Terms and Conditions; (e) any tax liability incurred by a Eligible Customers; or (f) use of an Offer.

Southern Cross Credit Union, ABN 82 087 650 682 AFSL No 241000 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. If you purchase this insurance, Southern Cross Credit Union will receive a commission that is a percentage of the ‎‎premium. Ask us for more details before we provide you with any services on this product. Details of the commission are set out in our Financial Services Guide. We do not provide advice on this insurance based on any consideration of your objectives, financial position or need. Policy terms, conditions, limits, exclusion and underwriting criteria apply. Before making a decision please consider the relevant Product Disclosure Statement.

Southern Cross Credit Union, ABN 82 087 650 682 AFSL 241000 arranges travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), for the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply. Southern Cross Credit union, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Therefore, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement. The Target Market Determination is available at www.allianzpartners.com.au/policies/. Southern Cross Credit Union and AGA receive a commission which is a percentage of the premium you pay for a policy – ask us for further details prior to purchasing.

The relevant Target Market Determination is available by calling 1300 360 744.