Promotion - Terms and Conditions

General

1. The Flip Friends & Family Referral Offer (the "Offer") will run from November 14 2023 until November 14 2024 (“Active Offer Period”). 
2. This Offer is made by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“we” or “us”), in connection with insurance issued by HCF Life Insurance Company Pty Ltd, ABN 37 001 831 250, and is independent of any other offer. 
3. By participating, you agree to the terms and conditions outlined herein. We reserve the right to modify, extend, or withdraw this Offer at our sole discretion at any time.

How does this Offer work?

1. This Offer is available to current, registered Flip customers and their eligible friends, acquaintances, and family members (referred to as "Friend" or "Family Member"). A Friend or Family Member will be eligible for the Offer if they have not previously registered with Flip and meet the conditions to purchase the relevant Flip product.
2. During the Active Offer Period, each current Flip user will receive a unique referral code after making their first order.
3. You can participate in the Offer:
   1. If you are a current Flip customer – by sharing your referral code with a Friend or Family Member: For each new Friend or Family Member who uses your referral code to register a Flip account and proceeds to purchase Flip accidental injury insurance, you will receive a 25% discount on your next purchase.
   2. If you are a Friend or Family Member – by using the referral code you received from an existing Flip customer to purchase cover: If you use a referral code when purchasing a Flip product and are a first-time transacting customer, you will receive a 25% discount on that purchase.

What else should I know?

1. This Offer is applicable only to the purchase of Flip cover from any of the ‘direct to consumer’ (D2C) products - Flip Active or Flip Kids. The offer excludes the Group Active ‘Business to Business’ (B2B) product, Flip Group Active.
2. This Offer cannot be sold, exchanged, transferred, redeemed, replaced or refunded for cash or any other type of credit, and cannot be applied to any previously purchased cover. 
3. We may, at our sole discretion, reverse this Offer if we reasonably suspect that:
   1. you have not participated in this Offer in good faith; or
   2. you have acted in a fraudulent, deceptive or misleading manner.

HOW TO ENTER

1. To enter the Thredbo Winter Lift Pass Giveaway (“Promotion”), you must enter your first name and email address at the link provided to you in the email you received from Flip during the Promotion Period (see below). 
2. It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including these Terms and Conditions, which are available at https://flipinsurance.com.au/promo-terms 
3. During the Promotion Period, each valid entry through the link referred to above will be marked as a single entry in the Promotion (“Entry”). Only one Entry per person will be accepted. 
4. All Entries become the property of Flip and will not be acknowledged or returned.

‍

TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 0900 AEST on 3 June 2024 until 7 June 2024 at 0900 AEST (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
   a. Have received an email from Flip inviting them to participate in the Promotion (“Invitation Email”);
   b. Have submitted their first name and email address via the Promotion form available through the link provided in the Invitation Email during the Promotion Period;
   c. Not be a management committee member of Flip or a person involved in the conduct or marketing of the promotion; and
   d. Be at least 18 years old.
4. This Promotion is a game of chance and winners will be randomly selected by Flip on 7 June 2024 at 1000 AEST.
5. Decisions by Flip, including with respect to any dispute, will be final.
6. There will be 5 winners for this Promotion who will each receive one prize valued at up to $398, as follows:
   a. 2 x single-day winter lift passes that provide mountain lift access for skiing and snowboarding at Thredbo, including the Merritts Gondola. Passes are eligible for the winter season that runs from 8 June 2024 until 7 October 2024.
7. The winner will be notified in writing by email within 48 hours of the draw. The winner will be published on Flip’s website at https://www.getflip.com.au/promo-terms. The winner will be determined by Flip at its sole discretion in accordance with these Terms and Conditions and no discussion or correspondence will be entered into in this regard.
8. The prize should be claimed as soon as possible upon receiving the email notifying of the win, but no later than 7 October 2024 when it expires. Any unclaimed or unused tickets after this time will be forfeited.
9. For any query relating to the Promotion, please contact Flip at help@getflip.com.au or on 03 6161 3547.

‍

Privacy: Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services, and other promotions.

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services, and other promotions.

How Flip collects, uses, discloses (including overseas), and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.

Winner: @salmonbells

HOW TO ENTER

1. To enter the Thredbo Winter Lift Pass Competition (“Promotion”), during the Promotion Period (see below), you must:
   a. Tag (@) an account in your comment on the dedicated Flip Instagram (@flip_insurance) post for this Promotion;
   b. Follow the Flip Insurance Instagram account (@flip_insurance);
   c. Like and save the dedicated Flip Instagram post for this Promotion; and
   d. Reside in Australia.
2. It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including these Terms and Conditions, which are available at https://flipinsurance.com.au/promo-terms
3. During the Promotion Period, each valid comment that meets the criteria in Clause 1 above underneath the relevant dedicated post for this Promotion will be marked as a single entry in the Promotion (“Entry”). Multiple Entries per person will be accepted. One Entry will be recorded for sharing the post for the Promotion in your story and for each unique account that is tagged in a comment in accordance with Clause 1.
4. Provided at least one Entry is received in accordance with Clause 1, you can also make an additional Entry by sharing the post for the Promotion in your story and tagging @flip_insurance.

‍

TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 20:00 AEST on 31 May 2024 until 4 June 2024 at 11:59 AEST (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
   a. Have followed all of the ‘How to Enter’ instructions in clause 1 above;
   b. Not be a management committee member of Flip or a person involved in the conduct or marketing of the promotion; and
   c. Be at least 18 years old.
4. This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 5 June 2024 at 10:00 AEST.
5. Decisions by Flip, including with respect to any dispute, will be final.
6. There will be 1 winner for this Promotion who will receive one prize valued at up to $3,737, as follows:
   a. Three-nights accommodation at Alpine Hotel in Thredbo for two people in a King Room from 25 July to 28 July 2024
   b. Four-day lift passes for two people (8 days of lift passes in total) to be used from 25 July to 28 July 2024
7. The winner will be notified via Instagram Direct Message within 24 hours of the draw. The winner will be published on Flip’s website at https://flipinsurance.com.au/promo-terms. The winner will be determined by Flip at its sole discretion in accordance with these Terms and Conditions and no discussion or correspondence will be entered into in this regard.
8. The prize should be claimed as soon as possible upon receiving the email notifying of the win, but no later than 25 July 2024 when it expires. Any unclaimed prize after this time will be forfeited.
9. For any query relating to the Promotion, please contact Flip at help@getflip.com.au or on 03 6161 3547.

‍

Privacy: Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions.

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions. 

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.

Winners: @all.about.the.weekend, @maria.tg3, @moreporknz

TERMS & CONDITIONS

• This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 09:00 AEST on 1 July 2024 until 11:59 AEST on 4 July 2024 (“Promotion Period”).
• Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
• Entry is open to individuals who meet the following eligibility requirements:
  a. Have followed all of the ‘How to Enter’ instructions above;
  b. Not be a management committee member of Flip or a person involved in the conduct or marketing of the Promotion;
  c. Be at least 18 years old; and
  d. Reside in Australia.
• This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 5 July 2024 at 10:00 AEST.
• Decisions by Flip, including with respect to any dispute, will be final.
• There will be 3 winners for this Promotion that will each receive one prize, as follows:
  $150 Mastercard e-Gift Card
• The winners will be notified via Instagram Direct Message within 48 hours of the draw. The winners will be published on Flip’s website at https://flipinsurance.com.au/promo-terms. The winner will be determined by Flip at its sole discretion (acting reasonably and in accordance with these Terms and Conditions) and no discussion or correspondence will be entered into in this regard.
• If you are successful, you must claim your prize as soon as possible but no later than 2 weeks after receiving your Instagram Direct Message from Flip (“Forfeit Date”). An unclaimed prize will be forfeited after the Forfeit Date, and Flip will conduct a second chance draw by randomly selecting another winner after the Forfeit Date.
• If a second chance draw is conducted, the winner of that draw must claim their prize within 2 weeks, or Flip will conduct a further, third chance draw to determine the winner, and such further draws as may be required to determine a winner who claims their prize within 2 weeks.  Any prize winner who does not claim their prize within 2 weeks from the date of first being notified will forfeit their prize.
• The e-Gift Card prizes for this Promotion are subject to the terms and conditions of the card provider, which include an expiry date. Flip does not accept any responsibility with respect to a winner's failure to comply with those terms and conditions.
• For any query relating to the Promotion, please contact Flip at help@getflip.com.au or on 03 6161 3547.

‍

Privacy:  Flip collects your personal information that you provide in this form for the purpose of conducting the Promotion and providing you with information about Flip products, services and other promotions.

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions.

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.

Winners: @kristymagyar, @benjaminrhathaway, @belen_c.lopez, @madam_ jax

HOW TO ENTER

1. To enter the Spartan Melbourne Competition (“Promotion”), during the Promotion Period (see below), you must:
   a. Tag (@) an account in your comment on the dedicated Flip Instagram (@flip_insurance) post for this Promotion;
   b. Follow both the Flip Insurance Instagram account (@flip_insurance) and Spartan Australia Instagram account (@spartanraceau);
   c. Like and save the dedicated Flip Instagram post for this Promotion; and
   d. Reside in Australia.
2. It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including these Terms and Conditions, which are available at https://flipinsurance.com.au/promo-terms
3. During the Promotion Period, each valid comment that meets the criteria in Clause 1 above underneath the relevant dedicated post for this Promotion will be marked as a single entry in the Promotion (“Entry”). Multiple Entries per person will be accepted. One Entry will be recorded for sharing the post for the Promotion in your story and for each unique account that is tagged in a comment in accordance with Clause 1.
4. Provided at least one Entry is received in accordance with Clause 1, you can also make an additional Entry by sharing the post for the Promotion in your story and tagging @flip_insurance and @spartanraceau.

‍

TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 20:00 AEST on 8 July 2024 until 11 July 2024 at 23:59 AEST (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
   Have followed all of the ‘How to Enter’ instructions in clause 1 above;
   Not be a management committee member of Flip or a person involved in the conduct or marketing of the Promotion; and
   Be at least 18 years old.
4. This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 12 July 2024 at 9:00 AEST.
5. Decisions by Flip, including with respect to any dispute, will be final.
6. There will be 4 winners for this Promotion who will each receive one prize valued at up to $428.80, as follows:
   a. Two tickets to any Sprint or Super Spartan Melbourne race on 3-4 August 2024
7. The total prize pool for this Promotion is valued at up to $1,715.20
8. The winners will be notified via Instagram Direct Message within 24 hours of the draw. The winners will be published on Flip’s website at https://flipinsurance.com.au/promo-terms. The winners will be determined by Flip at its sole discretion (acting reasonably and in accordance with these Terms and Conditions) and no discussion or correspondence will be entered into in this regard.
9. If you are successful, you must claim your prize as soon as possible but no later than 21:00 AEST on 1 August 2024 (“Forfeit Date”). Any unclaimed prize will be forfeited after the Forfeit Date.
10. For any query relating to the Promotion, please contact Flip at help@getflip.com.au or on 03 6161 3547.

‍

Privacy: Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions.

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions.

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.

Winners: @fitjunkie8, @georgiedisjacinta, @charlie.attard, @laurenbrooker1

HOW TO ENTER

1. To enter the Tough Mudder Picton Competition (“Promotion”), during the Promotion Period (see below), you must:
   a. Tag (@) an account in your comment on the dedicated Flip Instagram (@flip_insurance) post for this Promotion;
   b. Follow both the Flip Insurance Instagram account (@flip_insurance) and Tough Mudder Australia Instagram account (@toughmudderaustralia);
   c. Like and save the dedicated Flip Instagram post for this Promotion; and
   d. Reside in Australia.
2. It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including these Terms and Conditions, which are available at https://www.flipinsurance.com.au/promo-terms
3. During the Promotion Period, each valid comment that meets the criteria in Clause 1 above underneath the relevant dedicated post for this Promotion will be marked as a single entry in the Promotion (“Entry”). Multiple Entries per person will be accepted. One Entry will be recorded for each unique account that is tagged in a comment in accordance with Clause 1.
4. Provided at least one Entry is received in accordance with Clause 1, you can also make an additional Entry by sharing the post for the Promotion in your story and tagging @flip_insurance and @toughmudderaustralia.

‍

TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 20:00 AEST on 26 August 2024 until 29 August 2024 at 23:59 AEST (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
   a. Have followed all of the ‘How to Enter’ instructions in clause 1 above;
   b. Not be a management committee member of Flip or a person involved in the conduct or marketing of the Promotion; and
   c. Be at least 18 years old.
4. This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 30 August 2024 at 9:00 AEST.
5. Decisions by Flip, including with respect to any dispute, will be final.
6. There will be 4 winners for this Promotion who will each receive one prize valued at up to $378, as follows:
   a. Two tickets to any 15k or 5k races at Tough Mudder Picton on 12-13 October 2024, excluding First Mud
7. The total prize pool for this Promotion is valued at up to $1,512
8. The winners will be notified via Instagram Direct Message within 24 hours of the draw. The winners will be published on Flip’s website at https://www.flipinsurance.com.au/promo-terms. The winners will be determined by Flip at its sole discretion (acting reasonably and in accordance with these Terms and Conditions) and no discussion or correspondence will be entered into in this regard
9. If you are successful, you must claim your prize as soon as possible but no later than 21:00 AEDT on 10 October 2024 (“Forfeit Date”). Any unclaimed prize will be forfeited after the Forfeit Date.
10. For any query relating to the Promotion, please contact Flip at help@getflip.com.au or on 03 6161 3547.

‍

Privacy: Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions.

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions. 

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.