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Let's Get You There Promotion - Terms and Conditions

Your entry into the Lending People Let's Get You There Promotion (the Competition) is subject to the following terms and conditions (Terms and Conditions). Information on how to enter the Competition and the description of the Prize form part of these Terms and Conditions.

The promoter of the Competition is The Lending People Limited, Level 4/5, 48 High Street, Auckland 1010, New Zealand (the Promoter).


Competition Period

The Competition commences on 4 April 2022, and the closing date is 11 pm on 4 July 2022 (the Competition Period). Entries must be received within the Competition Period.


Who Can Enter

The Competition is open to residents of New Zealand, aged 18 years and over at the time of entry.

Employees of the Promoter and its related companies (and their immediate family members), and employees of agencies (and their immediate family members) professionally connected to the Competition, are not eligible to enter the Competition.

By entering the Competition, you warrant that you meet the entry requirements and accept all of these Terms and Conditions.

You are not required to purchase any services or products from the Promoter in order to enter the Competition. Purchasing services or products will not increase your chances of winning.

By entering this Competition, you consent to your name being published on the Promoter’s social media and its website (if you are a Winner), and you consent to the Promoter contacting you to market its services and products. You must have a public Instagram or Facebook profile. Please see the Privacy Policy below for information on how the Promoter may collect, use and disclose your personal information.


How to Enter

To enter, please follow these steps:

Fill out your details via:

1. Form on Facebook ads; or

2. Form extension via Google Search Ad; or

3. Form on TLP landing page (linked to a QR code)

Late, incomplete, incorrect, non-compliant, discriminatory or otherwise offensive entries may be disqualified.

Entry is limited to one entry per person. An entry must be made individually.


The Prize

There is one prize being one new Kia Stonic LX (1.4L petrol engine, 6-speed automatic, 15” alloys) (the Prize). The colour and other features are subject to stock levels of the dealer. the Promoter reserves the right, acting reasonably, to substitute a varied or different car prize of equal or greater value. The Prize will be registered and have a warrant of fitness. The Winner is responsible for the costs of options and add-ons, and for all other on-road costs including (without limitation) insurance and petrol.

Except to the extent noted below, the Prize, or any part of the Prize, is not transferable or exchangeable and cannot be redeemed for cash. No compensation will be offered if the Winner is unable to accept the Prize.

The Winner must collect the Prize from an Andrew Simms dealership in Botany, Auckland (Dealer). Additional costs resulting from acceptance of the Prize, including (but not limited to) petrol and transport costs, are the responsibility of the Winner.

The Winner is responsible for any tax considerations related to accepting the Prize and should seek professional advice prior to acceptance of the Prize.

If the Winner does not hold a full driver's licence or lacks the legal capacity to register the vehicle in their own name, the Winner must, within ten (10) days of confirming acceptance of the Prize, assign the Prize to a person in whose name the Prize can be registered (and that person must agree to such registration). That person must hold a full New Zealand driver's licence and be at least 18 years old at the date of registration. The Promoter takes no responsibility for any arrangements between the Winner and the assignee and, to the maximum extent permitted by law, does not accept any responsibility or liability whatsoever to the assignee whatsoever. If the assignment is not completed within the ten (10) days the Promoter may forfeit the Prize and the Winner shall have no right to compensation of any kind.

At the Promoter’s or Dealer’s request, the Winner must provide all information and documents (including certified copies) reasonably requested. The Winner must sign documents reasonably required by the Promoter or Dealer in connection with the Prize.


The Prize Draw

The Prize draw will take place at the office of the Promoter at Level 5, 48 High Street, Auckland no later than 6 July 2022 (the Draw Date). The Winner will be chosen at random.

The Winner will be notified via email and/or another method of communication (at the Promoter’s absolute discretion) within ten (10) days of the Draw Date. The communication will contain instructions on how to claim the Prize.

The Promoter may disqualify any individual deemed by the Promoter to be ineligible to enter the Competition.

The Prize may be forfeited by the Promoter:

· If a Winner does not claim their Prize within five (5) days of being notified.

· If a Winner fails to comply with any of the Terms and Conditions at any time (whether or not the non-compliance is continuing).

· If a Winner has engaged in unlawful or improper conduct under or in connection with the Competition (whether or not the conduct is continuing).

If the Prize is forfeited for any reason the Promoter will re-draw the Competition as soon as practicable to determine a new Winner. The Winner of a forfeited Prize is not eligible to be included in any re-draw. The new Winner will be notified within five (5) days of the date of the re-draw.

If an entry is invalidated or a Prize forfeited, the Promoter will not, to the fullest extent permitted by law, have or assume any liability whatsoever, or howsoever arising, to the relevant entrant or Winner.

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


Exclusions and Liability

The Promoter will not be responsible for any late, lost or misdirected entries, including (but not limited to) entries not received due to technical problems.

The Promoter is not responsible or liable to an entrant or Winner for a failure to complete the Competition, or to otherwise comply with its obligations under or in connection with the Competition, to the extent caused by an event or circumstance outside of the reasonable control of the Promoter (excepting a lack of funds for any reason) including technical failures, malfunctions, problems with or damage to equipment (including but not limited to wireless devices, websites, wireless networks, servers, computer hardware or software).

To the maximum extent permitted by law, neither the Promoter nor the dealer, nor their related companies, employees or agencies, shall be liable or responsible for any loss or damage whatsoever (whether direct, indirect, special or consequential) or for personal injury in any way associated with the Competition or the Prize (including, without limitation, the Winner accepting and/or using the Prize), whether arising under contract, tort (including negligence), statute or otherwise.

The Promoter reserves the right, at its sole discretion and acting reasonably, to cancel, suspend or cut short the Competition should any attempt be made to deliberately undermine, compromise, damage or destroy the Competition.


General Matters

The Promoter may, acting reasonably, supplement or update these Terms & Conditions from time-to-time. Your entry into the Competition confirms that you own all necessary rights to provide the intellectual property constituting your entry. All entries remain the property of the Promoter. The Winner waives any claims to royalty rights, remuneration or compensation in connection with use of their name, image and other personal information in connection with the Competition.

This Competition is promoted by the Promoter and is not sponsored, endorsed or administered by, or associated with Instagram or Facebook. By participating in this Promotion you agree to a complete release of Instagram or Facebook from any claims.

This Competition is in no way sponsored, endorsed or administered by, or associated with 'KIA New Zealand'.

No failure to enforce any provision of these Terms & Conditions by the Promoter at any time in any way limits or waives the right of the Promoter to, at a later time, enforce and compel strict compliance with these Terms and Conditions.


Privacy Policy

This privacy policy explains how the Promoter collects, uses, discloses and protects personal information provided in connection with the Competition. Personal information is information about an identifiable individual (a natural person).

A person is not required to provide the personal information that the Promoter requests but, if they choose not to do so, they may not be able to enter into the Competition or claim the Prize.

The Promoter will collect personal information when a person completes an entry via the internet, including via a Facebook or Instagram app, and directly by email and other communication methods (if you win the Prize). The Promoter may also collect your Internet Protocol (IP) address, location and the web browser details (the Promoter uses some third-party tools to help collect, analyse and store that information, including Google Analytics).

The Promoter collects personal information in connection with entry into the Competition, selecting and assessing the Winner, and providing the Prize to the Winner. The Promoter also uses personal information to:

· promote its services to entrants in the future including through messaging services and email;

· in connection with defending, protecting and/or enforcing its legal rights and interests;

· for any other purpose authorised by an entrant or the Privacy Act.

The Promoter may disclose personal information to:

· businesses that support the provision of the Competition including Meta Platforms Inc (Facebook and Instagram), Andrew Simms dealership, related companies, information technology service providers, professional advisers);

· lawyers and other professionals in connection with defending, protecting and/or enforcing the Promoter’s legal rights & interests;

· any other person authorised by an entrant, or by the Privacy Act or another law.

A business that supports the provision of the Promoter’s services may be located outside New Zealand. This may mean that personal information is held and processed outside New Zealand.

The Promoter will take steps that are reasonable in the circumstances to keep personal information safe from loss and from unauthorised access, use, modification or disclosure.

Subject to certain grounds for refusal set out in the Privacy Act, entrants have the right to access personal information that the Promoter holds about you and to request a correction to that personal information. The Promoter can be contacted by email at hello@lendingpeople.co.nz, by phone on (0800) 899 879 or via Instagram message.

If an entrant provides the Promoter with personal information over the internet (directly or indirectly), the provision of that information is, to the maximum extent permitted by law, at the entrant’s own risk. If a link is provided by the Promoter to a website or app (including the websites or apps of Facebook and Instagram), the owner of that site or app will have its own privacy policy relating to personal information. The Promoter recommends that that privacy policy is reviewed before any personal information is provided.

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¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if you do not enter into a personal loan arranged by us. A fee to use our services is applicable in all other cases. See our Terms & Conditions for the applicable fees.

²Annual Interest Rate (AIR): The AIR offered by our Personal Loan providers ranges from 7.90% p.a. to a maximum of 26.95% p.a.

³Annual Percentage Rate (APR): Also known as the 'comparison rate', the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees charged by providers). New Zealand law does not require APR disclosure, but doing so can better highlight borrowing costs. The APR offered by our Personal Loan providers ranges from 7.80% p.a. to a maximum of 27.91% p.a. The APR is accurate only for the representative example given below and may not include all fees like early repayment fees (if any). Different terms, fees or other loan amounts might result in a different APR.

⁴Minimum and Maximum Repayment Terms: Repayment terms offered by our Personal Loan providers range from 12 months to a maximum of 84 months.

Representative Example of the Total Cost of a Loan: If you borrow $20,000 over a repayment term of 36 months at an AIR of 6.95% p.a., your total repayments will be $22,493 (made up of $20,000 principal, interest charges of $2,243, and an establishment fee of $250). This example assumes monthly repayments and does not include premiums for any optional insurances, fees for using our services (if any) or default fees.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions. All approvals are subject to provider credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided will reflect the loan amount and interest rate offered by the provider. Provider establishment fees, terms, and conditions apply.