1. The organiser of this free prize draw (“Draw”) is The NFRN Mutual Limited, 7 Maltings Place, 169 Tower Bridge Road, London SE1 3JB (“the Mutual”).
2. This Draw is open to UK residents aged 18 or over except for anyone employed by the Mutual, their families, agents or anyone connected with the Draw.
3. Entry to the Draw is subject to these rules and any of the entry instructions and by entering this Draw you agree to be bound by these rules and the entry instructions.
4. This Draw is limited to one entry per person.
5. To be entered into the Draw you must fill out and return this postcard today or enter via the competition email between 10:00 on 20th November 2015 and 16:00 on 4th January 2016.
6. All entries received by 16.00 on 4th January 2016 will be entered into the Draw. The winner will be drawn at random on 5th January 2016 and contacted by the Mutual by email or post within 14 days. Only the prize winner will be contacted personally.
7. If the prize winner has not accepted the prize within 14 days of the Mutual’s email or letter the prize will be forfeited and the Mutual will draw a new prize winner at random.
8. The prize is one Apple iPad Air 16GB WiFi tablet. The first name drawn will receive the prize.
9. There is no cash alternative to the prize which is not transferable.
10. The Mutual reserves the right to terminate or suspend the Draw or amend these rules at any time without notice, or offer a substitute prize of its choice of an equivalent value, at any time.
11. The Mutual accepts no responsibility for entries which are lost or incomplete or cannot be entered into the Draw for technical or any other reasons.
12. The Mutual shall not be liable for any loss, damage, cost or expense whatsoever resulting from or connected with
a. anyone entering this Draw apart from death or personal injury resulting from negligence; or
b. the use or misuse of, any fault in, or fault or damage caused by the prize or substitute prize.
13. By entering this Draw, you give the Mutual permission to use your details, where you have given consent for us to do so, for the sole purpose of contacting you about its products and services. Your personal information will not be shared with or passed on to another party or used for any purpose except to contact you with information about the Mutual’s products and services. The Mutual will not keep your personal information for any longer than it reasonably needs to. You can ask the Mutual to stop contacting you about its products and services by emailing info@nfrnmutual.com or by telephoning 0800 0664 988.
14. The prize winner agrees that the Mutual may publish the prize winner’s name and/or picture in future publicity and promotions.
15. Details of the prize winner will be available for four weeks after the draw date by application in writing to the Mutual.
16. In the event of any dispute regarding these rules, the conduct of, results and any other matters relating to this Draw, the Mutual’s decision shall be final. No correspondence or discussions will be entered into.
17. These rules shall be governed by English law and the courts of the part of the United Kingdom in which you live shall have exclusive jurisdiction.