Uncategorized Archives - Page 15 of 17 - Raiz Invest

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You need two things to age wine at home. 

Willpower and a wine cellar (or something similar)…

So if you’re a model of self control with a cold, dark nook to hand, buying wines to put away to enjoy another year might appeal to you.

Why cellar a wine for a few years?

Just like us, many wines get more interesting as they age. They develop heaps of new flavours and textures as they jostle for position in the bottle. Read Post

Shopping is happening more online and maximising value has never been more important.

Be proactive and get rewarded for your clothing and fashion purchases by shopping through the links below.

Some of your favourite fashion partners have Raiz’d their rewards for a limited time only.

Shop with our partnered brands to earn a cash reward invested back into your Raiz account. Read Post

2020 will certainly be a Spring Racing Carnival like no other. The party might be moving from the marquee and grandstand to the sofa and the backyard, but why should we miss out on an opportunity to put on an outfit that makes you feel like you are bossing it in The Birdcage?
It’s not just about the races, it’s time to signal a change, a time to move on, getting back to the office, weddings, christenings – all those things that may have felt like a chore at one point but now we are craving to do again…

So, whatever spring occasion you have on, we’ve put some fresh spring outfits together that will make your tired and overworn sweats wish they had a bit more to offer your wardrobe.

TAKING A PUNT

When it comes down to it, the easiest way to make a statement is to add a bit of colour. It needs to be used well like this Southwick jacket where the accent colours match with our Highbury chinos (supporting the BCI initiative) and white-based paisley print Gissi shirt.
The Southwick jacket is made of a stretch linen blend that means it holds its structure (probably more than you after a few celebratory drinks) and with recycled polyester linings so you can feel good even if your tips don’t.
You don’t want your outfit to lose its impact if you take off the jacket, so meet our intricate paisley slim stretch shirt. The Gissi shirt is a perfect match for most spring outfits, a little bit different from the usual spring florals and designed in-house by our team in Australia.

Or perhaps you like more of a subtle look, understated confidence? For that, we have a similar approach with our Kipp Mint Jacket. It is a unique colour and, because of it’s lighter shade, very versatile – easy to dress up or down.
To make this outfit turn heads, we have paired it with the Sirri multi-floral shirt with the core colours for spring – pastel blues, earthy tones and pops of orange (take note of the matching jacket lining – it’s all in the detail)
We put these outfits together for the key race days this Spring, so they are perfect for Melbourne Cup or Oaks day. But we just like these combinations for any occasion that calls for a bit of confidence and sharpness.

SHOP BLAZERS

ODDS ON FAVOURITE

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While many Australians have become more vigilant towards cyber attacks during the COVID-19 lockdown, it has not been enough to thwart cyber criminals. Our Raiz Rewards partner NortonLifeLock’s Digital Transformation Report found that 1 in 6 Aussie respondents (15%) reported they were a victim of cyber crime during the first months of the pandemic*. It uncovered the changes in Australians’ online behaviour as a result of the lockdown, revealing that nearly 4 in 5 respondents (77%) relied on technology more than ever before during this time.

Here are some of the key findings:

• 57% of Australian respondents* are doing more online shopping than before and over 40% of Australian respondents now use a digital wallet such as Apple Pay or PayPal.
• Almost 3 in 4 (74% of Australian respondents) are paying for groceries and utilities bills online with their credit or debit card
• Over 60% of respondents agree that they have used social media more as a result of lockdown
• Usage of personal devices such as desktops, laptops and mobile phones all increased during lockdown. Mobile phones saw the largest increase (46%) followed by laptops (45%) and desktops (40%)
• Worryingly, over 25% of survey respondents admit they download content or apps that are not 100% secure, an increase of 8% since lockdown began
• 2 in 3 respondents (64%) found that the transition to working or studying required a significant setting up of home or work equipment. However, most respondents (87%) feel they adapted well to the lockdown period.
• 4 in 5 survey respondents (80%) saying they would consider working or studying from home on a more permanent basis.

• The majority of parents surveyed (60%) were concerned about the cyber security risks and that their children could be targeted by cyber criminals.

   

• Many respondents (83%) believe cyber criminals have used COVID-19 to their advantage.
  As a result, Australians are becoming more cautious of cyber crime and nearly 2 in 3 of those surveyed (65%) claimed they have become more vigilant about their online security during lockdown.

As people begin to use new services, there is a learning curve as they may be unfamiliar with the privacy settings and leave themselves exposed to an attack. It’s encouraging to see that the lockdown has made Aussies more vigilant and cautious when it comes to online safety. However, the NortonLifeLock Digital Transformation Report shows there is still a lot of work to be done in improving our personal cyber security practices. With Australian’s increasing their online presence both socially and for work, it’s important to be wary of apps your downloading, websites your visiting, email links your clicking and even changing up the passwords your using.

For further protection with NortonLifeLock’s products which offer Anti-Spyware, Antivirus, Malware, and Ransomware Protection as well as Password Management and more.

Shop with NortonLifeLock through Raiz Rewards in the Raiz app and they will invest 50% (usually 28%) of your purchase back into your Raiz account. Increased reward valid 8/10/20 – 11/10/20

*Survey Methodology

This survey was conducted online within Australia between July 14th – 20th 2020 among 1,000 adults. Figures for age, sex, race/ethnicity, education, region, employment, marital status, household size and household income were weighted where necessary to bring them into line with their actual proportions in the population. Propensity score weighting was used to adjust for respondents’ propensity to be online.

About NortonLifeLock

NortonLifeLock Inc. (NASDAQ: NLOK) is a global leader in consumer Cyber Safety. NortonLifeLock is dedicated to helping secure the devices, identities, online privacy, and home and family needs of nearly 50 million consumers, providing them with a trusted ally in a complex digital world. For more information, please visit www.NortonLifeLock.com

Important Information

If you have read all or any part of our email, website, or communication then you need to know that this is factual information and general advice only. This means it does not consider any person’s particular financial objectives, financial situation, or financial needs. If you are an investor, you should consult a licensed adviser before acting on any information to fully understand the benefits and risk associated with the product. This is your call but that is what you should do.

You may be surprised to learn that RAIZ Invest Australia Limited (ABN 26 604 402 815) (Raiz), an authorised representative AFSL 434776 prepared this information.

We are not allowed, and have not prepared this information to offer financial product advice or a recommendation in relation to any investments or securities. If we did give you personal advice, which we did not, then the use of the Raiz App would be a lot more expensive than the current pricing – sorry but true. You therefore should not rely on this information to make investment decisions, because it was not about you for once, and unfortunately, we cannot advise you on who or what you can rely on – again sorry.

A Product Disclosure Statement (PDS) for Raiz Invest and/or Raiz Invest Super is available on the Raiz Invest website and App. A person must read and consider the PDS before deciding whether, or not, to acquire and/or continue to hold interests in the financial product. We know and ASIC research shows that you probably won’t, but we want you to, and we encourage you to read the PDS so you know exactly what the product does, its risks and costs. If you don’t read the PDS, it’s a bit like flying blind. Probably not a good idea.

The risks and fees for investing are fully set out in the PDS and include the risks that would ordinarily apply to investing. You should note, as illustrated by the global financial crisis of 2008, that sometimes  not even professionals in the financial services sector understand the ordinary risks of investing – because by their nature many risks are unknown – but you still need to give it a go and try to understand the risks set out in the PDS.

Any returns shown or implied are not forecasts and are not reliable guides or predictors of future performance. Those of you who cannot afford financial advice may be considering ignoring this statement, but please don’t, it is so true.

Under no circumstance is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.

This information may be based on assumptions or market conditions which change without notice and have not been independently verified. Basically, this says nothing stays the same for long in financial markets (or even in life for that matter) and we are sorry. We try, but we can’t promise that the information is accurate, or stays accurate.

Any opinions or information expressed are subject to change without notice; that’s just the way we roll.

The bundll and superbundll products are provided by FlexiCards Australia Pty Ltd ABN 31 099 651 877 Australian credit licence number 247415. Bundll, snooze and superbundll are trademarks of Flexirent Capital Pty Ltd, a subsidiary of FlexiGroup Limited. Lots of names, which basically you aren’t allowed to reproduce without their permission and we need to include here.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Home loans are subject to approval from the lending institution and Raiz Home Ownership makes no warranties as to the success of an application until all relevant information has been provided.

Raiz Home Ownership Pty Ltd (ABN 14 645 876 937), an Australian Credit Representative number 528594 under Australian Credit Licence number 387025. Raiz Home Ownership Pty Ltd is 100% owned by Raiz Invest Australia Limited (ABN 26 604 402 815).

It’s that time of year again! Vogue Online Shopping Night is on 6th October and will run until 7th October. Heaps of your favourite brands are holding sales for the event which means big discounts. You can check out all of the offers here but we’ve put together all of the Raiz Rewards partners participating which means you can earn rewards on top of the deals.

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Raiz Rewards purchases have surged as shoppers return to stores across Australia and the nation’s retail industry shows signs of bouncing back from the COVID-19 lockdown.

While most retailers were forced to close their doors in the early days of the pandemic, Raiz Rewards performance shows that shoppers are spending again as restrictions ease, with a surge in August of purchases made through Raiz Rewards at its retail partners across the country.

Raiz Rewards shoppers surge as stores reopen

Our latest data shows shoppers in our Raiz Rewards program shrugged off concerns in August, making $1.5 million worth of purchases and returning monthly total spend to near pre-coronavirus levels.

Rewards reinvested into Raiz customer accounts also climbed in August, up 50 per cent to $90,000, while 16,000 unique rewards were paid out — a 15 per cent lift from July.

The average Raiz Rewards user had $5.62 invested into their Raiz Account or their Raiz Super Account when they shopped online through Raiz Reward at participating partners.

Click here for more info on how Raiz Rewards works and how you can make the most of it.

Raiz Rewards now available at 234 retailers

That number is expected to climb even higher in coming months as shoppers become more active and cash in on Raiz Rewards now being available at 234 retailers across Australia.

With the range of every day and luxury brands available via Raiz Rewards continuing to grow, shoppers can now take advantage of the rewards program at hundreds of iconic brands like Adidas, Apple, ASOS, eBay and Dan Murphy’s.

Ideal for the post-coronavirus world where every dollar counts, the way Raiz Rewards works is that when shoppers purchase from a retail partner using the Raiz link in the app, that retailer will automatically invest a Raiz cash reward back into your Raiz Super Account or Raiz Account, just because you purchased from them.

Participating retailers deposit either a fixed sum or a percentage of the purchase price into your account if you purchase an item from them, helping you to invest in your future.

Important Information

If you have read all or any part of our email, website, or communication then you need to know that this is factual information and general advice only. This means it does not consider any person’s particular financial objectives, financial situation, or financial needs. If you are an investor, you should consult a licensed adviser before acting on any information to fully understand the benefits and risk associated with the product. This is your call but that is what you should do.

You may be surprised to learn that RAIZ Invest Australia Limited (ABN 26 604 402 815) (Raiz), an authorised representative AFSL 434776 prepared this information.

We are not allowed, and have not prepared this information to offer financial product advice or a recommendation in relation to any investments or securities. If we did give you personal advice, which we did not, then the use of the Raiz App would be a lot more expensive than the current pricing – sorry but true. You therefore should not rely on this information to make investment decisions, because it was not about you for once, and unfortunately, we cannot advise you on who or what you can rely on – again sorry.

A Product Disclosure Statement (PDS) for Raiz Invest and/or Raiz Invest Super is available on the Raiz Invest website and App. A person must read and consider the PDS before deciding whether, or not, to acquire and/or continue to hold interests in the financial product. We know and ASIC research shows that you probably won’t, but we want you to, and we encourage you to read the PDS so you know exactly what the product does, its risks and costs. If you don’t read the PDS, it’s a bit like flying blind. Probably not a good idea.

The risks and fees for investing are fully set out in the PDS and include the risks that would ordinarily apply to investing. You should note, as illustrated by the global financial crisis of 2008, that sometimes  not even professionals in the financial services sector understand the ordinary risks of investing – because by their nature many risks are unknown – but you still need to give it a go and try to understand the risks set out in the PDS.

Any returns shown or implied are not forecasts and are not reliable guides or predictors of future performance. Those of you who cannot afford financial advice may be considering ignoring this statement, but please don’t, it is so true.

Under no circumstance is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.

This information may be based on assumptions or market conditions which change without notice and have not been independently verified. Basically, this says nothing stays the same for long in financial markets (or even in life for that matter) and we are sorry. We try, but we can’t promise that the information is accurate, or stays accurate.

Any opinions or information expressed are subject to change without notice; that’s just the way we roll.

The bundll and superbundll products are provided by FlexiCards Australia Pty Ltd ABN 31 099 651 877 Australian credit licence number 247415. Bundll, snooze and superbundll are trademarks of Flexirent Capital Pty Ltd, a subsidiary of FlexiGroup Limited. Lots of names, which basically you aren’t allowed to reproduce without their permission and we need to include here.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Home loans are subject to approval from the lending institution and Raiz Home Ownership makes no warranties as to the success of an application until all relevant information has been provided.

Raiz Home Ownership Pty Ltd (ABN 14 645 876 937), an Australian Credit Representative number 528594 under Australian Credit Licence number 387025. Raiz Home Ownership Pty Ltd is 100% owned by Raiz Invest Australia Limited (ABN 26 604 402 815).

Think healthy eating can’t get any easier? Well, it can with recurring orders with YouFoodz. This simple function allows you to have your fave meals on repeat, so you can sit back, relax and enjoy the extra time saved. Here’s everything you need to know about the magic of recurring orders.

What are recurring orders and why should I set one up?

A recurring order is a selection of your fave meals, drinks and snacks that arrives on your doorstep at your desired frequency. The best thing? It’s totally flexible. You can amend, skip or stop your order anytime before the cut-off date (‘cos you know, we need time to whip it up).

Cool, huh? Not only will you save time, you’ll also save money. For your first four recurring orders, you’ll get 20% off. We like to call this: Set & Save!

How to set up a recurring order

Log into your account and select your faves as you normally would. Upon check out, you’ll notice a section where you can select the frequency of your order. Don’t forget to tick the box beneath so we have permission to complete your future orders.

Note: Sorry, you can’t set up a recurring order using Afterpay, Zip or Quick Checkout. Stay tuned for updates!

How to amend your order

You can amend your order anytime by logging into your account and selecting ‘Recurring Order’ from the drop down menu. Here, you can view all details of your recurring order and make amendments like swapping, adding or removing menu items.

You’ll need to make amendments before your order cut-off date. We’ll also send you an email reminder before the cut-off date, so it’s one less thing you have to worry about! Once cut-off has passed, any changes you make will not be processed until the following order.

Top tip: Add hungry@youfoodz.com to your email safe list to avoid this important info ending up in your spam folder.

How to take a break

Maybe you’re going on holiday or just need to take a break – that’s not a problem! You can stop your recurring order anytime by logging into your account and selecting cancel. Easy!

This article was originally published on YouFoodz by Sheridan Murphy

Shop with YouFoodz through Raiz Rewards in the Raiz app and they will invest 4.2% of your purchase back into your Raiz account (2.1% if a coupon code is used). Reward amount valid as of 21/9/20. T&Cs Apply.

Important Information

If you have read all or any part of our email, website, or communication then you need to know that this is factual information and general advice only. This means it does not consider any person’s particular financial objectives, financial situation, or financial needs. If you are an investor, you should consult a licensed adviser before acting on any information to fully understand the benefits and risk associated with the product. This is your call but that is what you should do.

You may be surprised to learn that RAIZ Invest Australia Limited (ABN 26 604 402 815) (Raiz), an authorised representative AFSL 434776 prepared this information.

We are not allowed, and have not prepared this information to offer financial product advice or a recommendation in relation to any investments or securities. If we did give you personal advice, which we did not, then the use of the Raiz App would be a lot more expensive than the current pricing – sorry but true. You therefore should not rely on this information to make investment decisions, because it was not about you for once, and unfortunately, we cannot advise you on who or what you can rely on – again sorry.

A Product Disclosure Statement (PDS) for Raiz Invest and/or Raiz Invest Super is available on the Raiz Invest website and App. A person must read and consider the PDS before deciding whether, or not, to acquire and/or continue to hold interests in the financial product. We know and ASIC research shows that you probably won’t, but we want you to, and we encourage you to read the PDS so you know exactly what the product does, its risks and costs. If you don’t read the PDS, it’s a bit like flying blind. Probably not a good idea.

The risks and fees for investing are fully set out in the PDS and include the risks that would ordinarily apply to investing. You should note, as illustrated by the global financial crisis of 2008, that sometimes  not even professionals in the financial services sector understand the ordinary risks of investing – because by their nature many risks are unknown – but you still need to give it a go and try to understand the risks set out in the PDS.

Any returns shown or implied are not forecasts and are not reliable guides or predictors of future performance. Those of you who cannot afford financial advice may be considering ignoring this statement, but please don’t, it is so true.

Under no circumstance is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.

This information may be based on assumptions or market conditions which change without notice and have not been independently verified. Basically, this says nothing stays the same for long in financial markets (or even in life for that matter) and we are sorry. We try, but we can’t promise that the information is accurate, or stays accurate.

Any opinions or information expressed are subject to change without notice; that’s just the way we roll.

The bundll and superbundll products are provided by FlexiCards Australia Pty Ltd ABN 31 099 651 877 Australian credit licence number 247415. Bundll, snooze and superbundll are trademarks of Flexirent Capital Pty Ltd, a subsidiary of FlexiGroup Limited. Lots of names, which basically you aren’t allowed to reproduce without their permission and we need to include here.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Home loans are subject to approval from the lending institution and Raiz Home Ownership makes no warranties as to the success of an application until all relevant information has been provided.

Raiz Home Ownership Pty Ltd (ABN 14 645 876 937), an Australian Credit Representative number 528594 under Australian Credit Licence number 387025. Raiz Home Ownership Pty Ltd is 100% owned by Raiz Invest Australia Limited (ABN 26 604 402 815).

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TERMS & CONDITIONS
Schedule to Terms & Conditions of entry

Terms & Conditions of entry

1. Information on how to enter and prize details form part of these terms & conditions (Terms of entry). The Terms must be read in conjunction with the Schedule. The Schedule defines the terminology used in these Terms of entry. Where there is any inconsistency between these Terms and the Schedule, the Schedule prevails. Participation in this Promotion is deemed acceptance of these Terms of entry.
2. Entry is open only to legal residents of the Eligible States/Territories who satisfy the Method of entry. Directors, officers, management, employees, suppliers (including prize suppliers) and contractors (and the immediate families of directors, officers, management, employees, suppliers and contractors) of the Promoter and its related bodies corporate, and of the agencies and companies associated with this Promotion, including the competition permit providers TPAL (Trade Promotions and Lotteries Pty Ltd) are ineligible to enter. Immediate family means any of the following: spouse, ex-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 first cousin.
3. The Promotion will be conducted during the Promotion period.
4. The Prizes are specified in the Details of prizes section of the Schedule.
5. The total prize pool is specified in the Total prize value section of the Schedule.
6. Any prize is valued in Australian dollars unless expressly stated to the contrary.
7. All vouchers are valid until the expiry date stated on the voucher or by the provider of the voucher.
8. Neither the Promoter nor the voucher provider is liable for any voucher that has been stolen, forged, lost, damaged or tampered with in any way.
9. Entrants are advised that tax implications may arise from their prize winnings and they should seek independent financial advice before acceptance of their prize(s). The Promoter accepts no responsibility for any tax implications that may arise from accepting a prize. Entrants are responsible for all expenses that they incur in entering the competition and they will not be reimbursed regardless of whether or not they win the competition.
10. The entrants must follow the Method of entry during the Promotion period to enter the Promotion. Failure to do so will result in an invalid entry. The Promoter will not advise an Entrant if their entry is deemed invalid.
11. The time of entry will be deemed to be the time the entry is received by the Promoter.
12. The Promoter accepts no responsibility for any late, lost, delayed, incomplete, incorrectly submitted, corrupted, illegible or misdirected entries, claims or correspondence whether due to omission, error, alteration, tampering, deletion, theft, destruction, disruption to any communication network or medium, or otherwise including those entries not received by the Promoter for any reason.  The Promoter is not liable for any consequences of user error including (without limitation) costs incurred. No correspondence will be entered into.
13. The prize(s) will be awarded to the valid entrant(s) drawn randomly in accordance with the Prize draw details. The Promoter may draw additional reserve entries (and record them in order). In the event of an invalid entry or an ineligible entrant, or if the entrant is ineligible to accept the prize, the prize will be awarded to the first reserve entry drawn. If the prize can’t be awarded to the entrant drawn, the promoter will then continue this process until the prize is awarded.
14. The winner does not need to be present at the draw unless expressly stated to the contrary.
15. The winners will be notified in accordance with the Notification of winners and Notification of unclaimed prize winners (if applicable) sections of the Schedule. Notification to winners will be deemed to have occurred on the later of the time the winner receives actual notification from the Promoter or two business days thereafter. The notification will include details about how the prize(s) can be claimed.
16. The Promoter takes no responsibility where it is unable to contact prize winners who have not provided correct or complete contact details. If an entrant’s contact details change during the promotional period, it is the entrant’s responsibility to notify the Promoter. A request to modify any entry information should be directed to Promoter.
17. It is a condition of accepting any prize that the winner must comply with all the conditions of use of the prize and the prize supplier’s requirements. Each prize must be taken as stated and no compensation will be payable if a winner is unable to use the prize as stated.
18. The winner’s name will be published in accordance with the Public announcement of winners section of the Schedule (if applicable).
19. If the prizes have not been claimed by the Unclaimed prize draw time and date and subject to any written directions from a State lottery agency, the Promoter may conduct an Unclaimed prize draw in accordance with the Unclaimed prize draw section of the Schedule (if applicable).  In the event the Unclaimed prize draw takes place, the Promoter will attempt to contact the winner(s) of the Unclaimed prize draw in accordance with the Notification of unclaimed prize draw section of the Schedule, and if applicable, the name and State/Territory of residency of any winner(s) of the Unclaimed prize draw will be published in accordance with the section of the Schedule entitled Public announcement of winners from unclaimed prize draw. If a prize is no longer available the promoter may substitute with a prize of higher or equal value “subject to any written directions from a regulatory authority”.  The promoter is not allowed to deduct any administrative costs associated with the provision of the prize.
20. To the greatest extent permitted by law, the Promoter excludes all warranties, representations or guarantees (Warranties) regarding the Promotion and any prizes, including any Warranties which may have been made in the course of advertising or promoting the Promotion. The conduct of the Promotion or the supply of prizes may involve third parties, and the Promoter makes no Warranties and disclaims all liability in connection with any such third parties, their acts or omissions. By entering the Promotion, an entrant releases and indemnifies the Promoter and its related bodies corporate (including the officers, employees and agents of each) from and against all actions, penalties, liabilities, claims or demands the entrant may have against the Promoter or that the Promoter may incur for any loss or damage which is or may be suffered or sustained as a direct or indirect result of an entrant entering or participating in the Promotion or winning or failing to win a prize, or using or permitting any other person to use the prize, except for any liability which cannot be excluded by law or which would cause any part of this clause to be void or unenforceable.
21. If despite the foregoing clause, the Promoter incurs a liability to an entrant under any law which implies a Warranty into these Terms of entry which cannot legally be excluded, the Promoter’s liability in respect of the Promotion is limited, in the Promoter’s discretion, to either resupplying such goods or services as form part of the Promotion or paying the cost of resupplying those goods or services.
22. Without limiting any of the foregoing, in no circumstances will an entrant or the Promoter have any liability to the other for any loss or damage suffered which is indirect or consequential in nature, including without limitation any loss of profit, loss of reputation, loss of goodwill, or loss of business opportunity.
23. The Promoter and its associated agencies and companies will not be liable for any damage in transit to or delay in transit of prizes.
24. The Promoter may in its absolute discretion not accept a particular entry, may disqualify an entry, or cancel the entire Promotion at any time without giving reasons and without liability to any entrants. Without limiting this the Promoter reserves the right to verify the validity of entries, prize claims and entrants and to disqualify any entrant who submits an entry or prize claim that is misleading or not in accordance with these Terms of entry or who manipulates or tampers with the entry process. In the event that a winner breaches these Terms of entry, the winner will forfeit the prize in whole and no substitute will be offered. Verification is at the discretion of the Promoter, whose decision is final. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
25. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, subject to any written directions from a regulatory authority. Where a prize is unavailable for any reason, the Promoter may substitute the prize for another item of equal or higher value. The Promoter accepts no responsibility for any variation in prize value (including between advertising of the Promotion and receipt of the prize).
26. In the case of the intervention of any outside act, agent or event which prevents or significantly hinders the Promoter’s ability (or that of a third party involved with the Promotion) to proceed with the Promotion on the dates and in the manner described in these Terms of entry, including but not limited to vandalism, natural disasters, acts of God, civil unrest, strike, war, act of terrorism, the Promoter’s obligations in respect of the Promotion will be suspended for the duration of the event and, in addition, the Promoter may in its absolute discretion cancel the promotion and recommence it from the start on the same conditions, subject to the approval of the relevant authorities.
27. All entries become the property of the Promoter. As a condition of entering into this Promotion, entrants agree to assign all their rights in and to their entry and any related content to the Promoter, including any copyright or other intellectual property rights in the entry and related content. Without limiting this, the Promoter may use entry content for any and all purposes including commercial purposes. You warrant that entry content is original, lawful and not misleading and that the Promoter’s use of such content will not infringe the rights of any third parties. The Promoter has no obligation to credit you as the author of any content submitted and may otherwise do any acts or omissions which would otherwise constitute an infringement of any moral rights you may have as an author of the content.
28. Entrants consent to the Promoter using the personal information provided in connection with this promotion for the purposes of facilitating the conduct of the promotion and awarding any prizes, including to third parties involved in the promotion and any relevant authorities. In addition to any use that may be outlined in the Promoter’s Privacy Policy, the Promoter including third parties may, for an indefinite period, unless otherwise advised, use the private information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant.
29. The collection and disclosure of personal information provided in connection with this promotion will be handled in accordance with the Promoter’s Privacy statement which adheres to the Privacy Act 1988 (cth) and Australian Privacy Principles.
30. The Promotion and these Terms of entry will be governed by the law of the State or Territory in which the Promoter ordinarily resides. Entrants accept the non-exclusive jurisdiction of courts and tribunals of that State or Territory in connection with disputes concerning the Promotion.
31. Facebook, YouTube, or Instagram may be used to advertise or promote the Promotion. By entering the Promotion, entrants agree that the Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook, YouTube, or Instagram; and to release Facebook, YouTube, or Instagram from all liability in relation to this Promotion. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook, YouTube, or Instagram.WINNERS:
    Major –  Kurt. V
    Minor – Yoshika.Y, William. M, Corinne. A, Joshua.G, Shibu.K
    All winners have been notified by email.

Important Information

If you have read all or any part of our email, website, or communication then you need to know that this is factual information and general advice only. This means it does not consider any person’s particular financial objectives, financial situation, or financial needs. If you are an investor, you should consult a licensed adviser before acting on any information to fully understand the benefits and risk associated with the product. This is your call but that is what you should do.

You may be surprised to learn that RAIZ Invest Australia Limited (ABN 26 604 402 815) (Raiz), an authorised representative AFSL 434776 prepared this information.

We are not allowed, and have not prepared this information to offer financial product advice or a recommendation in relation to any investments or securities. If we did give you personal advice, which we did not, then the use of the Raiz App would be a lot more expensive than the current pricing – sorry but true. You therefore should not rely on this information to make investment decisions, because it was not about you for once, and unfortunately, we cannot advise you on who or what you can rely on – again sorry.

A Product Disclosure Statement (PDS) for Raiz Invest and/or Raiz Invest Super is available on the Raiz Invest website and App. A person must read and consider the PDS before deciding whether, or not, to acquire and/or continue to hold interests in the financial product. We know and ASIC research shows that you probably won’t, but we want you to, and we encourage you to read the PDS so you know exactly what the product does, its risks and costs. If you don’t read the PDS, it’s a bit like flying blind. Probably not a good idea.

The risks and fees for investing are fully set out in the PDS and include the risks that would ordinarily apply to investing. You should note, as illustrated by the global financial crisis of 2008, that sometimes  not even professionals in the financial services sector understand the ordinary risks of investing – because by their nature many risks are unknown – but you still need to give it a go and try to understand the risks set out in the PDS.

Any returns shown or implied are not forecasts and are not reliable guides or predictors of future performance. Those of you who cannot afford financial advice may be considering ignoring this statement, but please don’t, it is so true.

Under no circumstance is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.

This information may be based on assumptions or market conditions which change without notice and have not been independently verified. Basically, this says nothing stays the same for long in financial markets (or even in life for that matter) and we are sorry. We try, but we can’t promise that the information is accurate, or stays accurate.

Any opinions or information expressed are subject to change without notice; that’s just the way we roll.

The bundll and superbundll products are provided by FlexiCards Australia Pty Ltd ABN 31 099 651 877 Australian credit licence number 247415. Bundll, snooze and superbundll are trademarks of Flexirent Capital Pty Ltd, a subsidiary of FlexiGroup Limited. Lots of names, which basically you aren’t allowed to reproduce without their permission and we need to include here.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Home loans are subject to approval from the lending institution and Raiz Home Ownership makes no warranties as to the success of an application until all relevant information has been provided.

Raiz Home Ownership Pty Ltd (ABN 14 645 876 937), an Australian Credit Representative number 528594 under Australian Credit Licence number 387025. Raiz Home Ownership Pty Ltd is 100% owned by Raiz Invest Australia Limited (ABN 26 604 402 815).