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1.The Organiser of this draw (‘the Draw’) and Data Controller for the purposes of the UK General Data Protection Regulation (‘GDPR’) and other applicable data protection law is Kent Reliance, which is a trading name of One Savings Bank plc (‘the Organiser’). Registered office: Reliance House, Sun Pier, Chatham, Kent, ME4 4ET. Any correspondence in relation to the Draw should be sent to: Monthly Prize Draw, Marketing, OneSavings Bank, Sunderland, SR43 4AB.
2.By participating in the Kent Reliance Monthly Prize Draw (the “Draw”) you agree to these rules.
3.he Draw is a series of monthly draws to run until the Organiser decides to end the Draw.
4.The Draw is free to enter. Entry to the Draw will not affect the conditions of your mortgage or savings account with Kent Reliance, including the interest rates. Where your account conditions allow you to make withdrawals, you are free to do so, but an account must have the minimum credit or debit balance specified in rule 7 on the last working day of the month preceding the draw to be a “Qualifying Account”.
5.To be included in each monthly draw, you must be a Qualifying Customer at the end of the last working day of the month preceding the Draw. All Qualifying Customers will be assumed to be in the Draw, unless they specifically instruct the Organiser otherwise. If you do not wish to participate in the Draw, please inform the Organiser of this by writing to Monthly Prize Draw, Marketing, OneSavings Bank, Sunderland, SR43 4AB or emailing prizedraw@osb.co.uk (You may then change your mind at any time and participate in the Draw by writing to the same address).
6. To be a Qualifying Customer, you must
- Be a natural person (including a deceased person, a person who has appointed an Attorney, or a person for whom a deputy, receiver or guardian has been appointed by the Court of Protection (in England and Wales); or, in Scotland, under a guardianship order registered with the Office of the Public Guardian) and must not be a Limited Liability Company or Partnership
- Be at least 18 years old
- Hold a “Qualifying Account” in your sole name or jointly with another person and be the person first named on that “Qualifying Account”
- Not have registered to be removed from the draw in accordance with Rule 5. If you have a joint account and are not the first named person on that account then you will not be a Qualifying Customer and will not be entered into the Draw. Unless you hold another Qualifying Account and are a Qualifying Customer as a result of holding that Qualifying Account.
7. A “Qualifying Account”, is a Kent Reliance branded
- Deposit (savings) account which has a credit balance of at least £100; or
- Borrowing (mortgage) account which has a debit balance of at least £1,000. AND
- Held in the Qualifying Customers own name (solely or jointly with someone else). AND
- For which the Organiser has a current postal address i.e. your account has not been marked as ‘gone away’ for example because post that has been sent to you has been returned. AND
- Not a solicitors’, treasurers’, charity, club, or client account.
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The The Draw will be held once each calendar month. The Organiser will randomly select a winner from all persons who are Qualifying Customers on the last working day of the month preceding that in which the draw takes place. There will only be one entry per Qualifying Customer; the Organiser will use reasonable endeavours to ensure this but there may be instances where a customer is entered more than once; for example, because they have more than one Qualifying Account held on different IT systems.
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The prize for each monthly draw is £1,000
10.Within one month of the date of each monthly draw the Organiser will make reasonable efforts to either send a cheque to the winner by post for the amount of the prize or contact the winner by letter, email or telephone to agree with the winner how they wish to receive the Prize. The Organiser will use the information that it has in its records to contact the customer, unless it has reason to believe that is no longer accurate, e.g. post has been returned to the Organiser from that address. The Organiser will not pay the Prize to any person other than the winner or their representative.
11.Should a winner fail to: 1) Claim the Prize within 1 month of the Organiser first trying to contact them; or 2) To cash a payment made by cheque within 3 months of it being sent to them.
12.The winner’s surname and county of residence will be available 14 days after payment of the Prize for each Draw by writing to the above address.
13.The Organiser’s decision on all matters relating to the Draw is final. No correspondence will be entered into about such decisions.
14.The Organiser does not accept any responsibility or liability for any letters or communications lost, damaged or delayed in transit or for entries not submitted or for multiple entries submitted for a Qualifying Customer due to a technical or other fault of any kind. To the fullest extent permitted by law, the Organiser disclaims any liability to any Qualifying Customer in respect of the Draw, whether in contract or tort, including negligence.
15.The Organiser reserves the right to terminate or suspend the Draw at any time without notice.
16.The Organiser will process the personal data of the entrants (name, email, address, savings and mortgage account balances) in accordance with its obligations pursuant to the GDPR and other applicable data protection law for the purposes of the administration of the Draw.
17.For more information on how the Organiser uses or collects personal data of the entrants please see the Organiser’s Privacy Notice for Competitions below.
18.The winner may be asked to take part in reasonable post event publicity and for their name and photographs to be used in such publicity. The winner will be given the chance to object to such publication or ask for less information to be published.
19.If any entrant and/or winner wishes to withdraw their consent for use of their name and image for the above purposes at any stage, they should contact the Organiser at the above address. This will not affect the lawfulness of any processing carried out by the Organiser before the entrant withdraws their consent.
20.The Organiser reserves the right to refuse entry or refuse to award the Prize to anyone in breach of these terms and conditions.
21.These terms and conditions shall be governed by English law and the courts of England shall have exclusive jurisdiction in respect of any dispute arising in relation to the Draw.
Privacy notice competitions
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*Gross p.a. is the rate of interest paid without the deduction of tax per annum. Please note that the automatic deduction of tax on savings interest ceased with effect from 6 April 2016.
**AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.