1. Information on how to qualify for the $100 JB Hi-Fi eGift card promotion form part of these Terms and Conditions. Participation in this promotion is deemed upon acceptance of these Terms and Conditions. This offer is not valid for any policies cancelled during the cooling off period. Participants not complying with these terms and conditions will be disqualified.
  2. The promoter is Allianz Australia Insurance Limited (ABN 15 000 122 850, AFS Licence No. 234708) of Level 12, 2 Market Street, Sydney, NSW, 2000 telephone number 132 664 (“Promoter”).
  3. Entry is only open to Australian residents aged 18 years or over and excluding Northern Territory residents.
  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 at 12:00am on 18 August 2019 and ends at 11:59pm on 15 November 2019 (“Promotional Period”). All references to times recorded throughout these Terms and Conditions are a reference to the local time AEST/AEDT (as applicable) in Sydney, New South Wales.
  6. To qualify to receive the $100 JB Hi-Fi eGift card, individuals must purchase a new Allianz Small Business Advantage Pack Insurance Policy during the Promotional Period directly via the Allianz Website or throught the call centre, excluding policies purchased or held with any Allianz Partners or intermediaries. To be deemed eligible to receive the $100 JB HI-FI eGift card participants must enter the promotional code ‘Gift’ in the promotional code box provided on the website or mention one or all of the following words when calling the call centre: ‘JB HI-FI promotion, promotional code, GIFT’. For each Eligible Policy purchased individuals will receive one (1) JB Hi-Fi eGift card valued at $100. The policy will be deemed purchased when the Promoter receives full payment of the annual policy premium or the first month’s instalment of the premium if paying by the month. Current policy holders or renewing policy holders do not qualify for the $100 JB HI-FI eGift card. Polices cancelled, lapsed or renewed after the Promotional Period starts will be excluded. The commencement date of the policy must be within the Promotional Period to qualify. Updates or inclusions to existing Small Business Advantage Pack policies will not qualify an individual to receive the eGift card.
  7. For the purposes of this promotion, an Eligible Policy is as follows:
    1. (a) An Allianz Small Business Advantage Pack policy
  8. If an insurance policy has two (2) or more policy holders, the policy holder that is recorded as establishing the insurance policy will be awarded the Gift Card for that insurance policy. If there are two (2) or more policy holders recorded as establishing the insurance policy, the first policy holder named on the policy schedule will be awarded the Gift Card. The policy holder must provide a valid email address and the insured business name to qualify to receive the eGift card. In the instance that any contact details are provided incorrectly over the internet or telephone they may be deemed by the Promoter as disqualified to receive the eGift card.
  9. The Promoter reserves the right, at any time, to verify the validity of policy holders (including a persons identity, age and place of residence and policy) 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 qualification 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.
  10. Incomplete or indecipherable policies will be deemed invalid.
  11. If there is a dispute as to the identity of a policy holder, the Promoter reserves the right, in its sole discretion, to determine the identity of the policy holder.
  12. The JB Hi-Fi eGift Card is not transferable or exchangeable and is not redeemable for cash. If an eGift card or receipt of it incurs a tax liability, the relevant recipient of the eGift Card (“Recipient”) is liable for payment of such tax. The eGift card will be sent to the valid email address given when purchasing the policy and will be sent directly from JB Hi-Fi within 6 weeks from when policy was purchased, provided commencement date is within the Promotional Period.
  13. The Promoter’s decision is final and no correspondence will be entered into.
  14. Any ancillary costs associated with redeeming the eGift Card are not included. Any unused balance of the eGift Card will not be awarded as cash. Redemption of the eGift Card is subject to any terms and conditions of the issuer including those specified above, on the eGift Card and at
  15. General
  16. Prizes, or any unused portion of a prize, are not transferable or exchangeable.
  17. Entrants consent to: (a) participate in reasonable promotional activities, including but not limited to interviews and photographic and recording sessions, in respect to their participation in the promotion (including any outcome); and (b) 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.
  18. 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 policy holder from receiving the eGift card; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the promotion, as appropriate.
  19. 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 (“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.
  20. 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) use of / taking of a prize.
  21. To the fullest extent permissible by law, each entrant in the promotion and the prize winners each releases the Promoter from any claim, loss, damage, expense (including any claim for legal expenses), cost or charge sustained or in any way incurred by them in connection with the prize or their participation in the promotion. The Promoter, its related bodies corporate, officers, employees and agents will not be liable for any loss, damage or personal injury whatsoever (including but not limited to direct, indirect, consequential or economic loss) suffered or sustained by an entrant or the prize winner in connection with this promotion, the promotion of this promotion, or the use of or participation in any prize, except for any liability which cannot be excluded by law. Further, to the fullest extent permitted by law, the Promoter excludes liability for any problems or technical malfunction of any telephone network or lines, computer online systems, servers, or providers, computer equipment, software, technical problems or traffic congestion on the Internet or any website, or any unauthorised intervention, or any combination thereof, including any non-delivery or corruption of entries to the Promoter, injury or damage to an entrant’s or any other person’s computer related to or resulting from participation in or down-loading any materials related to this promotion.
  22. Privacy Notice: Entry is conditional on providing the requested personal information. By entering this Promotion, each entrant consents to the retention, use and disclosure of their personal information by the Promoter in the following ways:
    1. for the purposes of conducting the Promotion and any matter connected to the Promotion;
    2. if the entrant is the prize winner in this Promotion, for publicity purposes in any media for an unlimited period without remuneration, compensation or prior notice to the entrant;
    3. in addition to any use that may be outlined above, sending the entrant publications and communications about events, promotions, products and services. This includes distributing marketing material for goods and services offered by the Promoter, its related bodies corporate and businesses which have arrangements with the Promoter or its related bodies corporate. Each entrant agrees that communications may be sent to them by post, email and SMS.
  23. The Promoter may disclose personal information to third parties for the above purposes, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. For the purpose of conducting this Promotion and sending offers and information to each entrant, the Promoter will not disclose the entrant’s personal information to entities outside of Australia. For further details about how we handle personal information and details about how entrants can request access and correction of their information or complain about a breach of the Australian Privacy Principles, please see our Privacy Policy which is available at All entries become the property of the Promoter.