This competition is run by Future Loans Limited, a limited liability company registered in Jersey with its registered address at 13 Broad Street, St Helier, Jersey, JE2 3RR (“Future Finance”).

In these rules, we refer to the above promoter(s) as “the promoter(s)”, or “us” or “we”.

We will refer to participants and winners as “you” or “the customer”.

This competition shall commence at 10:00am on the 9th of October 2018 and terminate at 13:00 on the 30th November 2018 (“Competition Period”).

The promoter(s) reserve the right to extend the competition. Notice of this will be posted in these rules. Should the competition be extended for any reason the new dates will be published on https://www.aboutfuturefinance.com/promotions-terms-conditions.

To qualify for participation in this competition you must:

• Apply for a loan of £5,000 or more from Future Loans Limited between 9 October 2018 and 30 November 2018.
• All qualifying customers whose loans are approved and paid out will be considered as participants in this competition.

General rules for Participation and Qualification.

• Only the Borrower qualifies as a participant in this Competition. Guarantors do NOT qualify for entry into this Competition.
• Legal entities such as companies and partnerships may apply for loans and will qualify as a participant in their own right if they meet the qualifying criteria.
• If there are multiple borrowers or if a legal entity is the borrower, only one prize will be awarded to the winning customer from whose account the loan was made.
• If the loan is not approved and paid out for any reason, the customer will not be entered into the Competition.
• All loan applications will be treated on an individual basis. The approval of a loan is based on our assessment of your personal financial circumstances. All loans are subject to status.

Should you meet the participation and qualifying criteria during the Competition Period, you will be automatically entered into prize draw.

The competition draw will take place as follows:

• The draw will take place at 13:00 on 20 December 2018 at our Broad Street office.
• During the Competition Period, qualifying participants will be entered into the draws.
• The winner will be drawn based on loans applied for, approved and paid out during the Competition Period.
• The draw will occur by way of a system generated randomised draw

• The prize for the competition will be:
  1 (one) iPhone XR 64GB in such color as is available at the time of the draw.
• There will be 1 (one) winner selected for the draw.
• The prize will be collected at the promotors’ address in Jersey.
• This prize is non-transferable and cannot be exchanged for cash.

Any Future Finance customer who has applied for a loan and whose loan has been approved and paid out during the Competition Period qualifies for participation, unless they are automatically disqualified as described in these terms and conditions.

The following persons may not take part in this competition and may not win prizes even if their names are entered into the draw in error. They will forfeit (give up) any prize that may have been awarded to them:

• Any employee of the promoter(s).
• Any director, member, partner, agent of, or consultant of the promoter(s).
• Any other person who directly or indirectly controls the promoter(s).
• Any supplier of goods and services in connection with this competition.
• Any person whose accounts and credit agreements with Future Finance are not in good standing. This means that even if you were allowed to take part in the competition because you met all the other criteria, Future Finance has the right to withhold a prize from you. “Good standing” means that none or your Future Finance accounts is / are / were in arrears, or in default. Default includes any legal process, collection, liquidation and sequestration proceedings.
• The spouse, life partner, siblings, children, or parents of any of the persons named above.

Customers may apply for as many loans as they like, and each loan will qualify as an entry, subject to the qualifying criteria listed above.

The winner will be selected randomly by an electronically generated draw which shall take place in the presence of a Risk and/or Legal & Compliance officer.

• The winner will be notified by a Future Finance representative by telephone.
• Note: Where the Future Finance representative cannot reach you telephonically on the numbers you have provided, after the 3rd (third) attempt, you will forfeit (give up your right to) the prize, and another name will be drawn.
• Where, winners agree to participate in publicity events related to the competition, they will not be entitled to receive any payment for participating in any publicity events related to this Competition, or for participating in any media format or appearances associated with this Competition.

E-mail us on [email protected] for any questions or queries related to the rules or competition in general

The promotor will donate £100 for every loan that meets the Participation and Qualifying Criteria, referred to and set out above, to any one of the following charities:

• The David Kirch Charitable Trust;
• Teenage Cancer Trust;
• Variety Jersey [http://www.varietyjersey.org.je/];
• Silkworth [https://www.silkworthlodge.co.uk/]; or
• Brightly [https://brightly.je/].

General:

• Charity Campaign shall commence at 10:00am on the 9th of October 2018 and terminate at 13:00pm on the 30th November 2018 (“Charity Campaign Period”).
• All donations to any of the nominated charities will be made in the name of the Promotor.
• We do not accept responsibility for the content or accuracy of the information available on any of the nominated charities.
• If a customer elects not to pick any of the nominate charities, he / she is free to do so.
• Donations to charities not listed here will not be considered.
• We are not liable or obliged to publish the total contribution to any one; or all of the listed charities.