You are not able to enter this Promotion if you - or one of your immediate family - is an employee of Heartland or any third party involved in, providing or promoting the Promotion (our Associates).
Otherwise, you can enter this Promotion if you are a New Zealand resident.
PARTICIPATION AND PRIZES
The Promotion is open until 31 March 2018 (End Date).
You can participate in the Promotion in two ways:
you are an existing customer of Heartland (Customer) and have referred us to a friend, member of your family or any other person by presenting them with a Promotion flyer and we have agreed to provide a Reverse Mortgage to that person; or
you currently do not have a Reverse Mortgage with us, you have received a Promotion flyer, presented that Promotion flyer to us (in a form satisfactory to us) and we have agreed to provide a Reverse Mortgage to you (Referred Person).
Upon settlement of the Reverse Mortgage entered into between us and the Referred Person
(Settlement), the Referred Person will receive a $150 discount on the loan arrangement fee
applicable to that Reverse Mortgage
Within 10 business days of Settlement, Heartland will send to the Customer either grocery
voucher(s) or petrol voucher(s) totalling $150 (Voucher). The Voucher may be from any
reputable business operating in New Zealand and Heartland has absolute discretion in selecting
which business the Voucher is for and whether the Customer receives grocery voucher(s) totalling
$150 or petrol voucher(s) totalling $150. The Voucher will not be comprised of a mixture of petrol and grocery vouchers totalling $150.
If the above prizes or any part of them are no longer available - for any reason - we can decide to
alter the prizes or replace them entirely with other prizes.
Neither the Customer nor Referred Person can transfer the relevant prize, change it or redeem it
for cash. If a Customer or Referred Person is unable to accept a prize, it will be void – and no
compensation will be payable.
Settlement must occur before the End Date.
We may wish to use a Customer’s or a Referred Person’s name and image for promotional
purposes. So if you participate in this Promotion, you agree:
to make yourself available for the purposes of taking promotional photographs or video of
you (Images) (at reasonable times, locations and on reasonable notice);
that we can use your name and those Images for promotional purposes; and
that you will have no claim to those Images, which will belong to Heartland.
LIMITATION OF LIABILITY
We are not liable, neither is any Associate, and neither are our respective employees or other
representatives (Heartland Parties), for any Loss incurred by you or anyone else arising in
connection with the Promotion or in connection with your entry into the Promotion. Loss means
any personal injury, liability, damage or other cost, and includes direct, indirect, special or
By way of example, we would not be liable for any Loss arising from any alteration or
replacement of the prize (see 3.3), or from your use of the prize, or if your winning the prize
resulted in a tax liability for you (but not only those things).
If, as winner, your participation in the Promotion, or your use of the prize, results in any claim or
other Loss for a Heartland Party, you will indemnify the relevant Heartland Party against that
claim or Loss
We have the right to cancel or suspend the Promotion, or to vary these T&Cs, at any time if we
believe it reasonable to do so.
We can void an entry, or refuse to award a prize, if we choose to do so – and we do not have to
give reasons for that decision. We might do this if an entry is false or misleading or where the
entrant has behaved in a fraudulent or dishonest manner.
If we do not exercise a right we have under these T&Cs it does not mean we have waived that
right, and not exercising a right does not prevent us from exercising it in the future.
All decisions we make in connection with the Promotion will be final and we will not enter into
any further discussion or correspondence regarding those decisions.
We will collect and hold the personal information contained in your entry in accordance with the
Privacy Act 1993 and our Privacy Statement. Failure to provide the requested personal
information may make you ineligible to receive a prize.
We will use that personal information for the purposes of running the Promotion, and for our
business functions and activities, including marketing products and services to you by mail, email
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and telephone (including SMS) – you can opt-out of this by following the unsubscribe prompts in
You have the right to access and request correction of information we hold about you, and full details of
every organisation to whom we have disclosed information about you, by contacting us on 0800 488
740. To find out more, you can see our Privacy Statement on our website