Terms and Conditions for Nifty "Giveaway" - Nifty Personal Loans

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Terms and Conditions for Nifty “Giveaway”

Privacy

  1. Under the Privacy Act 1998 (Cth), the Promoter must notify Participants of certain matters when it collects personal information about them including how it plans to use or disclose it. If a Participant chooses to enter or take part in the Competition, the Participant will be required to provide the Promoter with personal information about themselves such as the Participant’s name, address, telephone number, email address and Facebook and Instagram account names.
  1. The Promoter will collect, use and disclose the personal information which the Participant has provided for the following purposes: 2.1 Carrying out the Competition (including as described in clause 16 in particular and in general for notification and promotion of Prizes/Gifts); 2.2 Carrying out marketing and promotions activities including, without limitation, sending newsletters or publications and/or other marketing and promotional material to the Participant about future Competitions or promotional events (which may be undertaken by the Promoter or any other person or organisation to which the Promoter discloses the personal information (including contractors) for the purposes of assisting the Promoter to do this; 2.3 In any media for an unlimited period of time without remuneration to the Participant for the purposes of promotion and marketing as determined by the Promoter.
  1. By entering the Competition, the Participant consents to the collection, use and disclosure of his or her personal information in the manner outlined in these Terms and Conditions.
  1. If a Participant would prefer that the Promoter does not use or disclose the Participant’s personal information in the way outlined in these Terms and Conditions and/or retain their personal information for the purposes described herein, the Participant should contact the Promoter on 1300 471 238.
  1. A Participant has the right to access, in most circumstances, personal information which the Promoter holds about the Participant. A Participant may contact the Promoter on 1300 471 238 to ask for access to the Participant’s personal information, or if the Participant has a complaint concerning a Participant’s information privacy. The Promoter may deny the participant’s request for access in some circumstances. If the Promoter does this, it will tell the Participant why.
  1. The Promoter’s Privacy Policy contains further information on its processes in relation to access to and correction of personal information, about how a Participant may complain about a breach of the Australian Privacy Principles and how the Promoter will deal with such a complaint. The Promoter’s Privacy Policy is available at niftypersonalloans.com.au
  1. If a Participant considers that any personal information that the Promoter holds about the Participant is inaccurate or if at any time the Participant’s details change, the Participant may contact the Promoter on 1300 921 020 and the Promoter will take reasonable steps to ensure that such personal information is corrected. The Promoter will take reasonable steps to keep personal information secure from misuse, interference, loss or unauthorized access, modification or disclosure.

How to enter: Once you have been approved for a Nifty loan, we ask that you leave us a honest review on Facebook, Google, Product Review, Word Of Mouth, Trust Pilot etc detailing your experience throughout the whole process. Please do not hold anything back, we want to hear your honest feedback.

  1. Your participation in Nifty’s Giveaway (“The Giveaway ” or “Promotion”) shall be deemed to be your complete acceptance of the Terms and Conditions herein. The following are the Terms and Conditions of The Giveaway, which is sponsored by the operator of the Internet site www.Niftyfinance.com.au (“Nifty”).
  1. Only persons over the age of 18 and who have recently been approved for a Nifty loan are eligible for entry to The Giveaway. You may be asked, at any stage, to provide Nifty or a third party with identity.
  1. The Giveaway shall take place on the 30th April 2017.
  1. Each entrant shall be entitled to make one (1) entry into The Giveaway only. In the event that Nifty deems an entrant to have made multiple applications to enter or to have acted in bad faith with respect to the Promotion, the entrant shall be excluded from The Giveaway and consequently ineligible to win the Promotional Prize, as defined below.
  1. The Promotional Prize for winning The Giveaway shall be a 43-inch Television to the value of $459.
  1. The Promotional Prize will be mailed out to The Giveaway winner after the winner has provided Nifty with a valid mailing address and proof of identity. The winner will also be required to send a photograph of themselves and the prize once the prize arrives at the designated address.
  1. Nifty shall notify the winner of the winning via E-mail and SMS within thirty (30) days of The Giveaway. The winner shall receive the Promotional Prize within sixty (60) days (dependent on stock availability and vendor mailing times) of Nifty’s receipt of the details of the winner required in order to affect transfer of the Prize.
  1. Notwithstanding Section 7 above, in the event that, for any reason whatsoever, the Promotional Prize winner fails to respond, within thirty (30) days, to the E-mail notification of his/her winning, such winning entrant shall be deemed to have forfeited his / her claim to the prize and Nifty shall not have any obligation whatsoever to compensate the winning entrant in any way.
  1. Nifty’s decision is final with respect to all matters relating to awarding of the Promotional Prize and shall not be subject to review or appeal by any entrant or by any third party.
  1. Your participation in The Giveaway is considered your agreement that Nifty may contact you.
  1. The Prize is neither transferable nor exchangeable and cannot be exchanged for money or money’s worth.
  2. By entering the Giveaway each entrant unreservedly agrees to these terms and conditions, which govern the Giveaway and the awarding of the Prize.
  1. By entering the Giveaway each entrant agrees to release, discharge and hold harmless Nifty, its legal representatives, affiliates, subsidiaries, agencies and their respective officers, directors, employees and agents from any damages whatsoever suffered or sustained in connection The Giveaway or the acceptance of the Prize.
  1. The winning entrant shall be solely responsible for any taxes levied in relation to the delivery or receipt of the Promotional Prize.
  1. Nifty reserves the right to alter these Terms and Conditions at any time and in its sole discretion.
  1. Nifty reserves the right, at any time, to cancel, modify or suspend The Giveaway if, in its sole judgment, The Giveaway is not capable of being conducted as specified.
  1. Nifty reserves the right to disclose winner’s name and identity.
  1. The onus is on the participant to advise Nifty via email or SMS once they have competed their review.
  1. These terms and conditions and any matters relating hereto shall be governed by, and construed in accordance with the laws of Queensland, Australia.

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Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
Establishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
View Loan Details

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.