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Knight Financial Advisors Financial Health Check Promotion Terms and Conditions

Knight Financial Advisors’ Financial Health Check Promotion Terms and Conditions

By entering into the draw to win the Prize, you (Entrant) acknowledge and accept the following terms and conditions, as well as the radio station’s general conditions of entry, as amended from time to time.

1.   Promotion Knight Financial Advisors’ Financial Health Check Promotion
2.   Promoter Radio 6PR Perth Pty Ltd (ABN 64 008 829 927) of Level 1, 169 Hay Street, East Perth WA 6004
3.   Promotional  Period Open Date: 23 January 2019 at 1:00pm Perth time
Close Date: 4 December 2019 at 1:30pm Perth time, unless terminated earlier (see item 10(g) below)
4.   Entry Restrictions a.        Entrants must be:

i.            at least 18 years of age;

ii.            residents of WA

b.        Entrants must not be the employees (or their immediate family members) of:

i.            The Promoter and its related bodies corporate; or

ii.            The Prize Provider and its related bodies corporate; or

iii.            Any Agency associated with this Promotion.

5.   Entry Procedure a.        To be entered into Promotion, Entrants must, during the Promotional Period:

i.            Listen to 6PR during the ‘Knight Financial Planning’ segment of the ‘Afternoons with Simon Beaumont’ program every Wednesday between the hours of 1:00pm and 1:30pm Perth time;

ii.            Each Wednesday, the program presenter (Presenter) will introduce a financial topic (Theme) and invite listeners (Callers) to call 9221 1882 (Cue to Call) and make an on air contribution based on the Theme (Contribution);

iii.            After hearing the Cue to Call, call the correct phone number and be successfully connected to an operator. The Caller  may be selected by the Promoter to make a Contribution (Entry) (Promoter will choose which Entrants make Contributions on-air in its absolute discretion);

iv.            At the end of the ‘Knight Financial Planning’ segment, the Presenter will determine, in his or her absolute discretion, the Caller with the best Contribution based on the creativity of their Contribution and their engagement with the Theme (Judging Criteria); and

b.        The Caller who submits the best Contribution each week will be declared the winner of the Prize for that particular week (Winner).

6.   Maximum Entries per person Callers may submit more than one Entry throughout the Promotional Period. However, a Caller can only be declared a Winner once.
7.   Winner Determination Date, Time and Location a.        Date(s): every Wednesday during the Promotional Period

b.        Time:  (approx.) 1:30pm

c.        Location: Radio 6PR Perth Pty Ltd (ABN 64 008 829 927) of Level 1, 169 Hay Street, East Perth WA 6004


8.   Prize Provider Knight Financial Advisors, Corporate Authorised Representative (#285301) of NKH Knight Holdings Pty Ltd (ABN 30 163 152 967) of Unit 19, Level 2, 100 Railway Road, Subiaco WA 6008
9.   Prize(s) Prize:  Financial Health Check Program

a.        Number of Prizes:  up to 45 Prizes (one (1) Prize per week throughout the Promotional Period)

b.        Prize value:  approximately AUD $1,000 inc GST

c.        Prize Description:

i.            The ‘Financial Health Check Program’  comprises two (2) meetings with the Prize Provider, including:

i.      A first meeting to understand the Winner’s current financial situation, future direction and key financial questions; and

ii.      A second meeting to present the Winner with a financial assessment summarising Winner’s position and key findings.

d.        Total Prize Pool: Up to AUD $45,000 inc GST


10.Prize Restrictions a.        The Prize is subject to any additional terms and conditions imposed by the Prize Provider.

b.        The Winner’s details may be provided to a Prize Provider for the purposes of prize fulfilment.

c.        The Prize cannot be transferred or exchanged for cash.

d.        The Winner must contact the Prize Provider and book an appointment with the Prize Provider within three (3) months of that Winner’s specific Winner Determination Date.

e.        The dates on which the Prize can be redeemed will be subject to availability of the Prize Provider

f.         The Prize is financial advice only, and the winner is not obliged in any way to accept or act upon the advice.

g.        The Promoter reserves the right to terminate the Promotion if the Prize Provider is no longer capable of providing the Prize for any reason, subject to any applicable regulatory requirements in the jurisdiction of Western Australia.

11.Notification of Winners a.        In addition to the Prize Draw Process outlined above, each Winner’s name will be announced on air on each Winner Determination Date.

b.        Each Winner will also receive notification by email to the email address provided at the time of entry.

c.        Each Winner’s name and suburb will also be published on


12.Additional Terms a.        By entering the Promotion, the Entrant accepts and agrees:

i.            to these terms and conditions;

ii.            to the Promoter’s General Terms and Conditions of Entry; and

iii.            to the Promoter’s Privacy Policy,

available on the Promoter’s website, and each of which may be amended from time to time by the Promoter (subject to the conditions of any permit).

b.        Participants consent to their personal information (as that term is defined in the Privacy Act 1988) being used for direct marketing by the Promoter and Prize Provider, distribution by the Promoter and uses approved in the Privacy Policy.

c.        Throughout the Promotional Period the Promoter may contact Entrants to interact with the station on air, online and via social media in relation to the Promotion.

d.        Entrants may be required by the Promoter and Prize Provider to participate in photo, recording, video and/or film session(s) and acknowledge that they assign, by way of present assignment of future copyright, the right to use such publicity materials in any medium (including, without limitation, the internet) and in any reasonable manner it sees fit.

e.        It is a condition of Entry that the Promoter and Prize Provider have the right to publicise, broadcast and communicate to the public the names, characters, likenesses or voices of Entrants for any promotion or matter incidental to the Promotion.  By agreeing to enter, all Entrants consent to their Entry broadcast on air and to their telephone and other conversations with the Promoter and Prize Provider being broadcast on air and communicated to the public on via any medium.  Entrants will not be compensated for this use.

f.         Entrants warrant that all information provided in their Entry is correct for the purpose of the Promotion and, in the event that the Entry contains any information about or in relation to a third party, the Entrant has obtained consent from that third party to provide their information to the Promoter.

g.        Entrants warrant that the content of the Entry is their own intellectual property and does not infringe copyright, trademark or other legal rights of any person and by entering this Promotion  Entrants  hereby assign, transfer and convey all current and future intellectual property rights, title and interest in their Entry, excluding the Entrants’ personal details, to the Promoter and agree to do all things reasonably necessary to give effect to such ownership and assignment (including but not limited to the signing of documents). Entrants will not be compensated for this assignment.

h.        Entries containing offensive or defamatory comments, or which breach any law or infringe any third party rights, including intellectual property rights, are not eligible to win the Promotion.

i.         The Promoter and its representatives may conduct security and verification checks in their absolute discretion to determine the Entrant’s eligibility to enter the Promotion.

j.         If an Entrant be deemed by the Promoter to be ineligible, the Entrant may not participate further in the Promotion.

k.        The Promoter is not responsible for any problems, congestion or technical malfunction of any network or lines, computer online systems, communication network, computer equipment, software, technical problems, telecommunications congestion or traffic congestion online, including any error, omission, alteration, tampering, deletion, theft, destruction, transmission interruption, communications failure or otherwise preventing Entrants from successfully participating in the Promotion.

l.         All decisions are at the discretion of the Promoter and no discussion or correspondence will be entered into in this regard.

m.      If the Promotion is not capable of being conducted due to circumstances beyond the Promoter’s control, including due to any technical or communications problems, the Promoter reserves the right to amend, suspend or cancel the Promotion subject to approval from any relevant authority.

n.        Prize(s) will be awarded as specified in the Prize details.  If a Prize is unavailable for any reason, the Promoter, at its discretion, may substitute it for another item of equal or higher value.  The Prize is subject to any Prize Restrictions specified above. All Prize values stated are the recommended retail value as provided by the supplier, are in Australian dollars and are correct at the time of preparation of these terms and conditions.

o.        All Prizes and parts of the Prize are subject to availability, non-transferable and non-exchangeable, must be used on or by any dates specified in these terms and conditions and as stipulated by the Prize Provider and are not redeemable for cash unless cash is specified.

p.        Unless otherwise stipulated in this agreement, if the Prize must be used on a specific date (Expiry), and the Winner is unable to use it on that date, the Winner will forfeit the Prize and the Promoter may draw a new winner in its absolute discretion on or before Expiry.

q.        If a Winner fails to collect their Prize within 3 months (or as otherwise specified in these terms), the Winner forfeits any rights to the Prize and the Promoter may, in its absolute discretion, conduct a re-draw for the Prize or withdraw the Prize.

r.         The Promoter and Prize Provider will not be responsible or liable if, for any reason beyond their reasonable control, any element of any Prize is not provided.  The Promoter will not be liable for any damage to or delay in transit of Prizes, or for any compensation in relation to those Prizes.

s.         A winner has rights under the Australian Consumer Law and other similar legislation which cannot be excluded, restricted or modified by the Promoter. These rights include a statutory guarantee that any services provided by the Promoter will be rendered with due care and skill and that any goods will be of acceptable quality. These Conditions of Entry do not exclude, restrict or modify those statutory rights in any way. However, to the extent it is permitted by law to do so, the Promoter makes no representations or warranties, express or implied, other than the Australian Consumer Law, regarding the quality and suitability of the Prize awarded under these conditions of entry and will not be responsible for breach of any such implied terms.

t.         The Promoter and its agencies and representatives associated with this Promotion, including any Prize Provider, will not be liable for any loss (including but not limited to indirect or consequential loss), damage or personal injury which is suffered or sustained (including without limitation to that caused by any person’s negligence) relating to this Promotion or the awarding or taking of the Prizes except for any liability which cannot be excluded by law (in which case liability is limited to the minimum amount allowable by law).

u.        The Entrant acknowledges that there may be inherent risks involved in entering this Promotion or taking or participating in the Prize(s), for which the Promoter accepts no responsibility.  If Entry or a Prize involves travel, stunts or challenges the Promoter may, at its discretion, require the participants to:

i.            Submit to a medical examination by a medical practitioner approved by the Promoter and obtain relevant medical clearance to participate in the Promotion and redeem a Prize; and

ii.            Execute a Deed of Release and Indemnity in a form prescribed by the Promoter in order to participate further in the Promotion and redeem a Prize.

v.        The Promoter and Prize Provider accept no responsibility for any tax implications that may arise from winning of the prizes.  Independent financial advice should be sought.  The Promoter takes no responsibility for variations in the Prize value.

w.       If in the course of a telephone call related to participation or entry in the competition, the telephone line drops out or breaks up, the Station may proceed to another caller.  In such event, the Station will not be required to award any Prize to the caller whose line dropped out or disconnected for any reason.

x.        If a prize involves travel, any responsibility for travel requirements, such as passports, vaccinations, travel insurance and any incidentals relating to travel are the responsibility of the Winner.

y.        You must not, in connection with this Promotion:

i.            tamper with the entry process;

ii.            engage in any conduct that may jeopardise the fair and proper conduct of a competition;

iii.            act in a disruptive, annoying, threatening, abusive or harassing manner;

iv.            do anything that may diminish the good name or reputation of the Station or any of its related entities or of the agencies or companies associated with a competition;

v.            breach any law; or

vi.            behave in a way that is otherwise inappropriate.

z.         If You or your entry are deemed by the Station to breach these Terms, your entry (or at the Promoter’s discretion, all of your entries) may be discarded.  The Station and its representatives may conduct security and ID verification checks in their absolute discretion to determine an Entrant’s eligibility to enter a competition and/or win a Prize.  The Station may, at any time, require You to produce documentation to establish to the Promoter’s satisfaction the validity of your entries (including documentation establishing your identity, age, place of residence and place of employment).  Failure by the Promoter to enforce any of its rights at any stage does not waive those rights.