CHRISTMAS GIVEAWAY
Please read these terms before the draw on 8 December 2026.
1. Promoter
SJN Financial Services Pty Ltd, trading as SJN Finance (ACL 383640), is the promoter of this giveaway (“we”, “us”, “SJN Finance”).
2. Who can enter
The giveaway is open only to clients of SJN Finance who have a settled loan that was arranged by SJN Finance as at the draw date, are aged 18 or over, and are Australian residents. Eligible clients are entered automatically. No purchase is necessary and nothing needs to be done to enter.
3. Who cannot win
Directors, employees and contractors of SJN Finance and its related businesses, and their family members, are not eligible to enter or win. Family members include spouses, partners, parents, children, siblings, grandparents, in-laws and anyone living in the same household. If an ineligible person is drawn, the prize will not be issued to them and another winner will be drawn. Only one prize can be won per person or household.
4. The prize
There are 5 prizes of AUD $1,000 cash each, giving a total prize pool of AUD $5,000. Prizes are non-transferable and cannot be exchanged for other goods or services. Prizes are paid by electronic funds transfer to an Australian bank account in the winner’s name.
5. The draw
The draw will take place on 8 December 2026 at the SJN Finance office in New South Wales. Five winners will be selected at random from all eligible clients. Eligibility is determined as at the draw date. The draw is a game of chance and the judges’ decision is final. We will not enter into correspondence about the result.
6. Winner notification and verification
Winners will be contacted by phone or email using the details we hold on file. We may ask winners to confirm their identity and that their loan has settled before the prize is paid. If a winner cannot be contacted or has not responded within 14 days of our first attempt, the prize may be forfeited and a replacement winner drawn. Prizes will be paid within 30 days of the winner being verified.
7. Publicity
With the winner’s consent, we may publish the winner’s first name and suburb on our website, email and social media channels. Winners are never required to be named publicly.
8. Privacy
We collect and use personal information only to run the giveaway and in line with our Privacy Policy and the Privacy Act 1988 (Cth). Taking part does not change how we handle your information, and you can unsubscribe from our emails at any time.
9. Tax
Winners are responsible for any tax consequences of receiving a prize. We do not provide tax advice.
10. No obligation and no advice
11. Changes and cancellation
We may change, suspend or cancel the giveaway, or these terms, if circumstances beyond our reasonable control make it necessary or if fairness or integrity is compromised, including by fraud or misconduct. Updated terms will be published on this page.
12. Liability
To the extent permitted by law, SJN Finance is not liable for any loss or damage arising from taking part in or winning the giveaway. Nothing in these terms excludes rights you have under the Australian Consumer Law.
13. Future giveaways
Any later giveaways will be run under their own terms, which will be published on this page or the relevant promotion.
14. Governing law
These terms are governed by the laws of New South Wales, Australia.
Last updated: 11 November 2026.
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