Terms & Conditions – Win a Mid-Life Crisis ($30,000)

  1. Information on how to enter and the prize form part of these Terms and Conditions. By participating, entrants agree to be bound by these Terms and Conditions.
  2. This is a nationwide competition promoted by New Zealand Home Loans (NZHL).
  3. Eligibility: Entry is open to New Zealand residents aged 18 years or over. Employees, Business Owners, contractors and agents of NZHL, and their immediate family members, are not eligible to enter.
  4. Entry is free. Limit one entry per person.
  5. Promotion Period: Entries open at 12:00am on 9 November and close at 11:59pm on 25 November. Late, incomplete or indecipherable entries will not be accepted.
  6. How to Enter: To enter, entrants must complete and submit the official competition entry form and tell NZHL how they would spend $30,000 on their ultimate “mid-life crisis”. Entries must be the entrant’s original work.
  7. Judging: Eligible entries will be judged on creativity, originality, entertainment value and overall response to the competition theme, as determined by NZHL in its sole discretion.
  8. Prize: There is one (1) prize valued at NZD $30,000. The prize consists of a one-off payment of NZD $30,000 made directly to the winner via electronic bank transfer.
  9. Winner Announcement: The winner will be selected on 26 November and contacted using the details provided in their entry.
  10. If the winner cannot be contacted within three (3) working days, or is unable to accept the prize, NZHL reserves the right to select an alternative winner.
  11. NZHL reserves the right to verify the validity of entries and entrants and to disqualify any entrant who submits an entry that is misleading, offensive, unlawful, fraudulent, or otherwise breaches these Terms and Conditions.
  12. NZHL reserves the right to amend, vary, suspend or cancel the promotion at any time if circumstances arise outside its reasonable control.
  13. NZHL’s decision is final, and no correspondence will be entered into regarding the judging process or outcome.
  14. ***By entering the competition, entrants agree that NZHL may publish, reproduce and use their submitted entry, and the winner’s name, for marketing, promotional and publicity purposes.
  15. By entering, all entrants grant NZHL a non-exclusive, royalty-free licence to use, reproduce, publish and promote their submitted entry for marketing, promotional and publicity purposes.
  16. Competition entries become the property of NZHL. Personal information collected as part of the promotion will be handled in accordance with the Privacy Act 2020 and NZHL’s Privacy Policy: https://nzhl.co.nz/privacy-policy/
  17. NZHL and its associated agencies will not be liable for any loss, damage or injury suffered in connection with the promotion or acceptance and use of the prize, except for any liability that cannot be excluded by law.
  18. If any tax liability arises from acceptance of the prize, it is the sole responsibility of the winner to seek independent advice and meet any resulting obligations.
  19. Content Standards: Entries must not contain material that is unlawful, defamatory, offensive, discriminatory, obscene, or otherwise inappropriate. NZHL reserves the right to remove or disqualify any entry that does not meet these standards.