Terms and conditions 

  1. Information on how to enter and the prize(s) 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 The New Zealand Home Loan Company Ltd (NZHL) 
  3. NZHL reserves the right to amend, change or cancel this competition/promotion as it deems necessary. 
  4. Eligibility: All participants must be over 18 and part of a competing XRACE team to enter. 
  5. This competition consists of 15 separate events, one for each XRACE event. 
  6. Entries open at the start of each XRACE event and will close near the end of that event. 
  7. Entry is free. One entry per team per event. 
  8. To be eligible for this promotion you must complete the entry form. This will be available through a QR code that will be given out on the day of each XRACE event. 
  9. Winners will be drawn randomly. 
  10. Winner notification: The winner will be announced at the XRACE prizegiving for each event. The winner must be in attendance to be eligible to win. If the winner is not in attendance there will be a redraw. 
  11. NZHL’s decisions regarding the winners are final, and no correspondence will be entered into. 
  12. NZHL franchise owners, their employees, contractors and employees of NZHL and their immediate families are not eligible to enter. 
  13. Only the person who originally entered the competition can be awarded the prize (the ‘Winner’). 
  14. NZHL reserves the right to exclude any person from participating in the promotion on reasonable grounds. 
  15. NZHL reserves the right to refuse to award any prize to an entrant who NZHL decides (in its sole discretion) has violated the Terms and Conditions or won using fraudulent means. 
  16. The prize is X1 Wanderer Picnic Rug Fleece, x1 Macpac Camp Cart. x1 Macpac Beach Shelter and x1 Kubb Set, valued at $723.97
  17. There is one prize (as above) available to give away per XRACE event. 
  18. The winner is responsible for arranging transport to collect their prize. 
  19. Not redeemable: The prize is not transferable, exchangeable, or redeemable for cash. 
  20. Information: By entering the competition, winners agree to their names being published and to be photographed and/or interviewed by NZHL or promotional partners, and they may use their names, photographs, videos, and/or interviews for publicity purposes. 
  21. Competition entries become the property of NZHL and will comply with the Privacy Act 2020 when handling personal information and in accordance with NZHL Privacy Policy. See our privacy statement for more details https://nzhl.co.nz/privacy-policy-2023/. 
  22. No Liability: NZHL and its associated agencies shall not be liable in any way (including, without limitation in negligence) for any loss or damage whatsoever suffered (including, without limitation, indirect or consequential loss) or for any loss or damage or personal injury suffered or sustained in connection with promotion except any liability that cannot be excluded by law.