Terms And Conditions – EOY 2019 Offers

Customer – Small Business Loans Offer

No repayments offer available to new and existing approved customers on a new or refinanced Loanblaster Small Business Loan settled between 1 November and 31 December 2019 (inclusive). Customer may elect when to take one 6 week repayment deferral (“Deferral Period”) by providing Loanblaster with no less than two business days’ notice via email to hello@loanblaster.com.au or over the phone to 1300 617 673. The Deferral Period must be taken in one 6-week block and must be initiated by the customer. The Deferral Period cannot be taken whilst the customer is in arrears or in Default (under the terms of the loan agreement). Failure to initiate Deferral Period prior to expiry, refinance or early repayment of the loan will result in forfeiture of right to Deferral Period. Deferral Period cannot be transferred to another customer or another loan. Loan term assumes full 6-week Deferral Period is taken, failure or ineligibility to take Deferral Period will reduce the total loan repayment term by a period equal to the Deferral Period. Offer only available to customers who provide connected electronic bank statements. Offer only available to businesses established and operating in Australia. Offer may be withdrawn without notice. Standard credit approval criteria, fees, terms and conditions apply.

Customer – Line of Credit Offer

$0 line activation fee offer applies to new Line of Credit customers only. Line of Credit must be approved and an initial drawdown (min. drawdown of $10) made between 1 November and 31 December 2019 (inclusive). Usual line activation fee is $195. Monthly Subscription Fee of $25 applies throughout the term of the line. Offer only available to customers who provide connected electronic bank statements. Offer available on Loanblaster Line of Credit product only. Offer only available to businesses established and operating in Australia. Not valid in conjunction with any other offer. Offer may be withdrawn without notice. Standard credit approval criteria, fees, terms and conditions apply.

Customer – ‘Chance to win $6,000’ Offer

1. Information on how to enter and the prizes form part of these Terms and Conditions. Participation in this promotion is deemed acceptance of these Terms and Conditions.

2. Entry is only open to small businesses operating in Australia (each an “Eligible Customer”)

3. Employees (and their immediate families) of the Promoter and agencies associated with this promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.

4. Entries into the promotion open on 30/10/2019 and close at 11:59pm AEDST on 31/12/2019 (“Promotional Period”).

5. To be eligible to enter and receive an automatic entry into the relevant draw (as detailed below), an authorised representative on behalf of an Eligible Customer, must during the Promotional Period, either:

a) settle a new small business loan or refinance an existing small business loan with Loanblaster; or
b) settle and make an initial drawdown of a new line of credit with Loanblaster.

For clarity, entry is open to new and existing Loanblaster customers.

6. Multiple entries permitted however, only one (1) entry is permitted per settled new loan, refinance of an existing loan or initial drawdown of a new line of credit.

7. The Promoter reserves the right, at any time, to verify the validity of entries and Eligible Customers (including the businesses place of operation) and reserves the right, in its sole discretion, to disqualify any individual or Eligible Customer who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process or engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the promotion. Errors and omissions may be accepted at the Promoter’s discretion. 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.

8. There will be two (2) draws conducted for this promotion. Eligible Customers that submit an entry in accordance with 5a (i.e. settled a new loan or refinanced an existing loan) will be entered into draw 1 (“Draw 1”) and Eligible Customers that submit an entry in accordance with 5b (i.e. drawdown a new line of credit) will be entered into draw 2 (“Draw 2”). Draws will take place at Loanblaster Finance Company, Ground Floor, 100 Douglas Parade Williamstown, Vic 3016 on 07/01/2020 at 3:00pm AEDST. The Promoter may draw additional reserve entries and record them in order in case an invalid entry or ineligible customer is drawn. The winning Eligible Customer will be notified in writing within two (2) business days of the draw and the name of each winning Eligible Customer will be published in The Australian on 10/01/2020

9. The Promoter’s decision is final and no correspondence will be entered into.

10. The first valid entry drawn in each of Draw 1 and Draw 2 will each win $6,000. Prize will be awarded in the form of a cheque and will be awarded to the individual named on the application for the new small business loan or drawdown for a new line of credit. In the event there is more than one individual named on the application, the Promoter will award the prize to the primary signatory.

11. Subject to the unclaimed prize draw clause, if for any reason a winner does not take a prize by the time stipulated by the Promoter, then the prize will be forfeited.

12. Total prize pool value is $12,000. Prizes, or any unused portion of a prize, are not transferable or exchangeable.

13. A draw for any unclaimed prizes may take place on 14/04/2020 at the same time and place as the original draw, subject to any directions from a regulatory authority. Winning Eligible Customers, if any, will be notified in writing within two (2) business days of the draw and the name of each winning Eligible Customer will be published in The Australian on 23/04/2020.

14. Authorised individuals consent, on behalf of the Eligible Customer, to the Promoter using the name of the Eligible Customer, likeness and/or image in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.

15. If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any Eligible Customer; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the promotion, as appropriate.

16. 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 Non-Excludable 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 promotion.

17. 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 entry or prize 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 prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or Eligible Customer; or (f) use of a prize.

18. As a condition of accepting the prize, an authorised person on behalf of the winning Eligible Customer must sign any legal documentation as and in the form required by the Promoter and/or prize suppliers in their absolute discretion, including but not limited to a legal release and indemnity form.

19. The Promoter collects personal information (“PI”) in order to conduct the promotion 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. The Promoter will also use and handle PI as set out in its Privacy Policy, which can be viewed at https://www.loanblaster.com.au/privacy-policy. The Privacy Policy also contains information about how individuals may opt out, access, update or correct their PI, how they may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. The Promoter may disclose PI overseas, see the Promoter’s Privacy Policy for more details.

20. The Promoter is Loanblaster Finance Company of Ground Floor, 100 Douglas Parade Williamstown, Vic 3016, telephone 1300 617 673.

NSW Permit No. LTPS/19/39094. ACT Permit No. TP19/04440. SA Permit No. T19/1763.

Partner – Small Business Loan & Line of Credit Commission Offer

1% commission increase offer will increase standard rate “New Referral” commission for small business loan customers from 4% to 5%; and will increase standard rate “First Drawdown” commission for new line of credit customers from 3% to 4%. All other commission rates and requirements remain unchanged and Loanblaster’s Lead Management Policy applies. Increased commission rates apply to new referred customers approved for new small business loans or lines of credit (as applicable) that are settled (and for line of credit an initial drawdown made), between 1 November and 31 December 2019 (inclusive). Offer not available in conjunction with any other Partner offer and is available only to Partners registered with Loanblaster in Australia who have been contacted by email and invited to participate, subject (where applicable) to their Aggregator’s approval to participate. Loanblaster reserves the unrestricted right to withhold commission payments if it considers Partner has not complied with Loanblaster’s relevant terms of engagement. Offer only available in connection with referral of businesses established and operating in Australia. Offer may be withdrawn without notice. Standard credit approval criteria, fees, terms and conditions apply.

Partner – Line of Credit Offer

$0 line activation fee offer exclusively available to new Line of Credit customers who are Loanblaster accredited partners. Line of credit must be approved and an initial drawdown (min. drawdown of $10) made between 1 November and 31 December 2019 (inclusive). Usual line activation fee is $195. Monthly Subscription Fee of $25 applies throughout the term of the line. Offer only available on Loanblaster Line of Credit with a facility limit up to $50,000. 14.95% APR subject to full standard credit assessment and approval. Offer only available to customers who provide connected electronic bank statements. Offer available on Loanblaster Line of Credit product only. Offer only available to businesses established and operating in Australia. No commission or other fees are earned on this offer by the partner or any other third-party referrer. Maximum one Line of Credit per partner. Offer not valid in conjunction with any other offer. Offer may be withdrawn without notice. Standard approval criteria, fees, terms and conditions apply.

*Standard credit assessment, fees, terms and conditions apply.