Terms and Conditions

Competitions and Promotions

 

 

Win a Princess Cruise

  1. Information on how to enter and the prize form part of these Terms and Conditions. Participation in this promotion is deemed acceptance of these Terms and Conditions.
  2. The promoter is Readerʼs Digest (Australia) Pty Ltd, (ABN 81000565471), 80 Bay Street, Ultimo, NSW Australia, (www.readersdigest.com.au) (www.readersdigest.co.nz), ph: Aust 1300300162, NZ 0800540048 (“Promoter”).
  3. Entry is only open to Australian and New Zealand residents aged 19 years or over.
  4. 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.
  5. Promotion commences on 19/04/2016 and ends at 11:59pm AEST on 30/06/2016 (“Promotional Period”).
  6. To be eligible to enter, individuals must receive or access marketing communications from/by the Promoter advertising this promotion, via email, mail, telephone, online or any other method during the Promotional Period.
  7. To enter, eligible individuals must order or renew/extend a paid twelve (12) issue subscription to the Reader’s Digest magazine during the Promotional Period via one (1) of the following methods:
    1. ONLINE – by visiting readersdigest.com.au/cruise and following the prompts on screen to provide all of the requested details, including delivery and payment details; or
    2. PHONE – by calling 1300 300 030 (Mon - Fri, 8.30am - 5.30pm AEST. Local call cost applies from landline. Higher cost applies from mobiles), and following the prompts of the operator to provide all of the requested details, including delivery and payment details, and quoting the code word “CRUISE”.
  8. Incomplete or indecipherable entries will be deemed invalid.
  9. Only one (1) entry is permitted per person.
  10. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age, and place of residence) and reserves the right, in its sole discretion, to disqualify any individual 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.
  11. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
  12. The draw will take place at Reader’s Digest, 80 Bay Street, Ultimo, NSW 2007 at 10.30am AEST on 12/07/2016. The Promoter may draw additional reserve entries and record them in order in case an invalid entry or ineligible entrant is drawn.
  13. The winner will be notified in writing within two (2) business days of the draw, and their name will be published in The Australian on 19/07/2016.
  14. The Promoter’s decision is final and no correspondence will be entered into.
  15. The first valid entry drawn will win a 13-night New Zealand Cruise for two (2) people, on board Princess Cruises’ Emerald Princess, valued at AU$5,918. The cruise departs from Sydney, NSW, on 15/11/2016 and includes the following components:
    • thirteen (13) nights accommodation in an obstructed Oceanview stateroom for two (2) people;
    • all on-board main meals for two (2) people (with the exception of those restaurants which have an additional cover charge); and
    • selected on-board daily activities and entertainment (with the exception of those activities and entertainment which have an additional cover charge).
  16. Prize must be taken from 15/11/2016 to 28/11/2016. If the winner’s companion is under the age of 18 years, he/she must be accompanied by the winner at all times during the cruise, and the winner must be the legal guardian (or provide written permission to the Promoter from the minor’s legal guardian) to take a minor on the cruise. The prize does not include flights and/or transfers to/from the winner’s home to the departure port of Sydney, NSW. Any costs associated with transport to/from the departure port will be the responsibility of the winner and will not be borne by the Promoter. Shore excursions, cruise upgrades, spending money, additional meals, taxes, travel insurance, passports, visas, vaccinations, transfers, items of a personal nature, in-room charges and all other ancillary costs are not included in the prize. Itinerary to be determined by the Promoter in its absolute discretion. A credit card imprint or cash deposit may be required from the winner at check-in in order to board the cruise ship, for all incidental charges. Standard terms and conditions of travelling with Princess Cruises will apply. For details, see Booking and Passage Conditions athttp://www.princess.com/legal/passage_contract/index.jsp which passengers will be bound by.
  17. The Promoter reserves the right to refuse to allow the winner and/or his/her travelling companion to take part in any or all aspects of the prize if the Promoter determines in its absolute discretion that the winner and/or his/her travelling companion are not in the mental or physical condition necessary to be able to safely participate in the prize, or if they pose a risk to the safety and wellbeing of any other passenger.
  18. Subject to the unclaimed prize draw clause, if for any reason the winner does not take the prize by the time stipulated by the Promoter, then the prize will be forfeited.
  19. If the prize (or part of the prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
  20. Total prize pool value is AU$5,918.
  21. The prize, or any unused portion of the prize, is not transferable or exchangeable and cannot be taken as cash.
  22. If the prize remains unclaimed by 9am AEDST on 12/10/2016, a re-draw may take place at 10.30am AEST on 12/10/2016 at the same place as the original draw, subject to any directions from a regulatory authority. The winner, if any, will be notified in writing by email within two (2) business days of the re-draw, and their name will be published in The Australian on 19/10/2016.
  23. Entrants consent to the Promoter using their name, likeness, image and/or voice 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.
  24. 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 entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the promotion, as appropriate.
  25. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the Internet service provider used.
  26. 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 or any statutory consumer guarantees as provided under consumer protection laws in New Zealand (“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.
  27. 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 entrant; or (f) taking/use of and/or participation in the prize.
  28. As a condition of accepting the prize, the winner (and his/her companion or the companion’s parent/legal guardian if they are a minor) 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.
  29. 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 supplier (Cruise Megastore) 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 Policies, which can be viewed at http://www.readersdigest.com.au/privacy-policy (for Australian residents) and http://www.readersdigest.co.nz/privacy-policy (for New Zealand residents). In addition to any use that may be outlined in the Promoterʼs Privacy Policies, the Promoter may, for an indefinite period, unless otherwise advised, use the PI for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. The Australian Privacy Policy also contains information about how Australian entrants may opt out, access, update or correct their PI, how entrants may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with. All New Zealand entrants should direct any request to access, update or correct information to the Promoter. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose entrants’ PI collected in Australia to entities outside of Australia (for a list of the countries, see the Promoterʼs Privacy Policy).
  30. The information entrants provide will be collected and used by Cruise Megastore for the purpose of conducting this promotion. Cruise Megastore may disclose entrants' personal information to its agents to assist in conducting this promotion or communicating with entrants. Cruise Megastore may also use details for its promotional and marketing purposes, including to contact entrants via direct mail, electronic marketing, SMS or telemarketing. Cruise Megastore is bound by the Australian Privacy Principles in the Privacy Act 1988. Entrants can request access or correction to the personal information Cruise Megastore holds about them by contacting Cruise Megastore Consumer Services on 1300 657 948. Cruise Megastore's privacy policy is available on the Cruise Megastore's web site www.cruisemegastore.com.au/privacy and contains full details on how personal information will be handled, including how individuals can complain and how such complaints will be handled. Cruise Megastore will not disclose personal details collected in Australia to any entities outside of Australia.

  31. NSW Permit No. LTPS/16/02220
    ACT Permit No. TP16/00534
    SA Permit No. T16/474
 

Reader’s Digest 2016 Blanket Permits

  1. Information on how to enter and prizes form part of these Terms and Conditions. Participation in any promotion run under these Terms and Conditions is deemed acceptance of these Terms and Conditions.
  2. Entry is only open to residents of Australia and New Zealand aged 18 years or older (unless otherwise stated in the promotional material).
  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. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process including but not limited to tampering by way of use of techniques designed to avoid the payment of SMS/190 call costs 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.
  5. Incomplete, indecipherable or illegible entries will be deemed invalid.
  6. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
  7. Each promotion starts and finishes on the times and dates advertised on the relevant promotional material. To be eligible, entrants must follow the entry instructions set out on the relevant promotional material (by the closing date/time indicated).
  8. Any applicable entry requirements or limitations will be specified in the relevant promotional material (with the details on how to enter). In the event that multiple entries are permitted, each entry must be submitted separately and in accordance with entry requirements.
  9. If a draw is to take place, the draw will take place at the Promoter’s office on the date and time advertised in the relevant promotional material.
  10. All winners will be notified in writing within two days of the draw and any Australian winners from South Australia (of prizes valued at over $250) will be published in The Australian on the date advertised in the relevant promotional material. All Australian winners’ names will be published online at www.readersdigest.com.au on the date advertised in the relevant promotional material.
  11. The Promoter’s decision is final and no correspondence will be entered into.
  12. The number of prizes available and their individual value will be advertised in the relevant promotional material.
  13. If for any reason a winner does not take a prize (or an element of the prize) by the time stipulated by the Promoter, then the prize (or an element of the prize) will be forfeited.
  14. If any prize (or part of any prize) is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize (or that part of the prize) with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.
  15. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless otherwise specified.
  16. Any cash prizes will be awarded in the form of a cheque or by electronic funds transfer to the winner's nominated bank account (in the local currency of the winner).
  17. In the event that a draw takes place, if necessary, a draw for any unclaimed prizes will then take place no earlier than three months after the original draw. Winners will be notified in writing within two days of the draw and any South Australian winners (of prizes valued at over $250) will be published in The Australian within two weeks of the draw. All Australian winners’ names will be published online at www.readersdigest.com.au on the date advertised in the relevant promotional material.
  18. Entrants consent to the Promoter using their name, likeness, image and/or voice 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 the promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
  19. If a 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 entrant; or (b) to modify, suspend, terminate or cancel the promotion, as appropriate.
  20. If entry is via an online mechanic, the website address will be specified in the promotional material. Any cost associated with accessing the promotional website is the entrant’s responsibility and will be dependent on the Internet service provider used.
  21. If entry is via a premium SMS mechanic, the SMS number will be specified in the promotional material. The cost of the SMS will be 55c. Entrants must have premium service access. Details of the SMS helpline number will also be included with the promotional material. SMS entries via the Internet will be ineligible.
  22. If entry is via phone, the phone number will be specified in the promotional material. Call cost from landline phones will not exceed 55c, however, calls from mobile and pay phones may attract a higher rate.
  23. All entries are deemed to be received at the time of receipt into the promotion database and NOT at the time of transmission by the entrant.
  24. The use of any automated entry software or any other mechanical or electronic means that allows an entrant to automatically enter a promotion repeatedly is prohibited and will render all entries submitted by that entrant invalid.
  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 State and Territories of Australia or New Zealand (“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.
  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 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; (e) any tax liability incurred by a winner or entrant; or (f) use of a prize.
  27. 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 Policies, which can be viewed at http://www.readersdigest.com.au/privacy-policy (for Australia residents) and http://www.readersdigest.co.nz/privacy-policy (for New Zealand residents). In addition to any use that may be outlined in the Promoter’s Privacy Policies, the Promoter may, for an indefinite period, unless otherwise advised, use the PI for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. The Australian Privacy Policy also contains information about how Australian entrants may opt out, access, update or correct their PI, how entrants may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with. All New Zealand entrants should direct any request to access, update or correct information to the Promoter. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose Australian entrants’ personal information to entities outside of Australia (for a list of the countries, see the Promoter’s Privacy Policy).
  28. As a condition of accepting a prize, each winner may be required to 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.
  29. The laws of Australia apply to this promotion to the exclusion of any other law. Entrants submit to the exclusive jurisdiction of the courts of Australia.
  30. The Promoter is Reader’s Digest (Australia) Pty Ltd, (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW Australia. (www.readersdigest.com.au) (www.readersdigest.co.nz). Ph: Aust 1300300162 - NZ 0800540048

  31. NSW Permit No. LTPM/15/00751
    ACT Permit No. TP15/06467
 

Handyman ‘Cash For DIY’ Competition 2016

  1. This prize scheme is open to residents of New Zealand aged 18 years or older only and runs throughout 2016.
  2. The promotional material, information on how to enter and prize details form part of these rules. To be eligible to enter, you must reply in accordance with the conditions specified in this promotion. Employees of the Promoter and members of their immediate families are not eligible to enter. The Promoter cannot accept responsibility for lost, misdirected or delayed entries.
  3. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
  4. This is a game of skill and chance plays no part in determining the winners. Each entry will be individually judged and the winners will be determined based on the originality and/or creativity of their entry. To enter, readers must submit an original story describing their DIY project and accompanying images. Readers may submit entries via email to handyman@rd.com.
  5. The best valid entries, as determined by the judges in their discretion, will be published in a future issue of Handyman magazine and each winner will receive a prize comprising of AU$300.
  6. The prizes will be delivered at the Promoter’s expense within six to eight weeks of the winners being judged.
  7. The prize winners will be notified by email and published in a future issue of Handyman Magazine.
  8. All entries (which shall include the literary works promoted as Cash For DIY, Your Projects or Reader Projects) become the property of the Promoter. As a condition of entering into this promotion, each entrant agrees to assign all of their rights, title and interest (including copyright) in and to their entry to the Promoter. Each entrant warrants to the Promoter that each entry submitted is an original literary work of the entrant that does not infringe the rights of any third party. The entrant agrees to indemnify the Promoter against all costs and claims by third parties arising from a breach of this warranty. Entrants consent to any use of their entry which may otherwise infringe their moral rights pursuant to the Copyright Act 1968 (Cth). Reader’s Digest reserves the right to use entries in all print and electronic media.
  9. The Promoter collects personal information in order to conduct the promotion and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers, and prize suppliers. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to access, update or correct information to the Promoter.
  10. The Promoter's decision on all matters pertaining to this promotion is final.
  11. 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 State and Territories of Australia or New Zealand (“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.
  12. 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 tax liability incurred by a winner or entrant; or (e) use of a prize.
  13. The Promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo NSW 2007 in Australia.
 

Handyman 'Handy Hints' Competition 2016

  1. This prize scheme is open to residents of New Zealand aged 18 years or older only and runs throughout 2016.
  2. The promotional material, information on how to enter and prize details form part of these rules. To be eligible to enter, you must reply in accordance with the conditions specified in this promotion. Employees of the Promoter and members of their immediate families are not eligible to enter. The Promoter cannot accept responsibility for lost, misdirected or delayed entries.
  3. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and to disqualify any entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
  4. This is a game of skill and chance plays no part in determining the winners. Each entry will be individually judged and the winners will be determined based on the originality and/or creativity of their entry. To enter, readers must submit an original DIY tip. Readers may submit entries via email to handyman@rd.com.
  5. The best valid entries, as determined by the judges in their discretion, will be published in a future issue of Handyman magazine and each winner will receive a prize comprising of AU$100.
  6. The prizes will be delivered at the Promoter’s expense within six to eight weeks of the winners being judged.
  7. The prize winners will be notified by email and published in a future issue of Handyman Magazine.
  8. All entries (which shall include the literary works promoted as Your DIY Tips) become the property of the Promoter. As a condition of entering into this promotion, each entrant agrees to assign all of their rights, title and interest (including copyright) in and to their entry to the Promoter. Each entrant warrants to the Promoter that each entry submitted is an original literary work of the entrant that does not infringe the rights of any third party. The entrant agrees to indemnify the Promoter against all costs and claims by third parties arising from a breach of this warranty. Entrants consent to any use of their entry which may otherwise infringe their moral rights pursuant to the Copyright Act 1968 (Cth). Reader’s Digest reserves the right to use entries in all print and electronic media.
  9. The Promoter collects personal information in order to conduct the promotion and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers, and prize suppliers. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. Entrants should direct any request to access, update or correct information to the Promoter.
  10. The Promoter's decision on all matters pertaining to this promotion is final.
  11. 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 State and Territories of Australia or New Zealand (“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.
  12. 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 tax liability incurred by a winner or entrant; or (e) use of a prize.
  13. The Promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo NSW 2007 in Australia.
 

Caption Competition

  1. This competition is open to residents of Australia, New Zealand, South Africa, Singapore, Malaysia and the Philippines only. All entries must be received no later than the last day of each competition month, at 5:00pm AEST.
  2. The promotional material, information on how to enter and prize details form part of these terms and conditions. To be eligible to enter the competition, you must reply in accordance with the conditions specified in this promotion. Employees of Reader's Digest and members of their immediate families are not eligible to enter. Reader's Digest shall not accept responsibility for lost, misdirected or delayed entries.
  3. The winner will be selected at the offices of Reader’s Digest, 80 Bay St, Ultimo NSW, on or about the third day of the calendar month following the competition month.
  4. The best entry, as determined by the judges, will win $100. Total Number of prizes: 1. Total value of giveaway: $100.
  5. The prizewinner will be notified by email. If Reader’s Digest does not receive confirmation of acceptance of the prize within 30 days, the competition will be rejudged and a new winner announced.
  6. The promoter may use the entrants' names, addresses and photographs for promotional, marketing and publicity purposes and by submitting an entry, each entrant agrees to this use. Promoters’ decisions on all matters pertaining to this competition are final.
  7. The promoter is Reader's Digest (Australia) Pty Ltd (ABN 81 000 565 471), 80 Bay Street, Ultimo, NSW, 2007 in Australia.