Website Terms and Conditions

Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern MyCRA’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The term ‘MyCRA’ or ‘us’ or ‘we’ refers to the owner of the website (MyCRA Pty Ltd) whose registered office is 246 Stafford Road, Stafford, QLD. 4053. Our ABN is 89 140 783 446. The term ‘you’ refers to the user or viewer of our website or entrants in a competition on our website.

The use of this website is subject to the following general terms of use:

  • The content of the pages of this website is for your general information and use only. It is subject to change without notice.
  • Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
  • Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
  • This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
  • All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.
  • Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
  • From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
  • Your use of this website and any dispute arising out of such use of the website is subject to the laws of Australia

Competition General Terms and Conditions

By entering any competition on this website, you are agreeing to the following terms and conditions:

1. STANDARD TERMS

1.1 Information on how to enter forms part of the terms of entry.

1.2 This competition is by invitation only.

2. WHO CAN ENTER?

2.1 Entry is open to all residents of Australia over the age of 18 years who have been personally invited (invitees) to enter the competition by 

    • SMS message from a known personal friend or acquaintance (inviters)
    • that the inviter has permission of the invitee to send this type of invitation message and 
    • that the inviter has already correctly entered the competition.

2.2 Employees and their immediate families of MyCRA Pty Ltd and their associated agencies and companies are all eligible to enter.

3. HOW TO ENTER

3.1 The competition commences on and concludes on the dates shown on the individual competition entry pages.

3.2 In order to enter, you (the invitee) must have received an invite by SMS from someone you know (the inviter) and visit a link to a specific page of the website www.fixmybadcredit.com.au contained within the SMS and submit your entry including your name, your email address, your mobile telephone number and the registered mobile telephone number of the person that sent you the invite (the inviter) by SMS.

3.3 Entrants (invitees) (including winners) in the competition may enter the competition only once per unique email and or mobile telephone number.

3.4 Entrants must enter their friends (the inviters) same mobile telephone number in the appropriate field as their friend (the inviter) used to both enter the competition and to invite you (the invitee) to the specific competition entry page for you (the invitee) to be eligible to enter.

3.5 Entries must be received by the date shown on the individual competition entry page.

3.6 You (the invitee) will receive one entry in the competition when you correctly enter your name, your email address, your mobile telephone number and the mobile telephone number of your friend (the inviter) that invited you to enter the competition.

3.7 The inviter will receive 3 entries for every personal invitee that correctly completes the registration process.

3.8 You (the invitee) must be able to verify your age, your identity and ownership of the email address and the mobile telephone number you used to enter the competition to the satisfaction of the promoter at their sole discretion. 

4. PRIZES

4.1 There will be one winner. The winner will receive one prize as described on the individual competition entry page.

4.2 The winner is responsible for the collection of the prize from MyCRA Pty Ltd, 246 Stafford Road Stafford QLD. 4053 unless otherwise advised on the individual competition entry pages.

4.3 In participating in the prizes, the winners agree to participate and co-operate as required in all editorial activities relating to the Competition. The winners agree to granting the promoter a perpetual and non-exclusive licence to use such footage and photographs in all media worldwide and the winners will not be entitled to any fee for such use.

4.4 Prizes can not be transferred or redeemed for cash. 

5. HOW TO WIN

5.1 There will be one winner chosen at random from total pool of entries received. Each entrant who has entered the competition over the duration of the competition and registered all details required (“Qualifying Entrant”) will be eligible. One entry will chosen at random:

5.2 Winners will be notified by a mobile phone call within 3 days of the conclusion date of the competition. An email and an SMS will also be sent.

(a) In the event that the entry registration details can not be verified to the satisfaction of the promoter, the entry will be deemed disqualified and a redraw will immediately take place and a further qualifying entry will be chosen at random.  

(b) If a redraw is required, the promoter is under no obligation to publish, promote, reveal, disclose to any party or in any way make known the details of the disqualified entry previously randomly drawn.  The promoter reserves the right to take any action available  in the event of suspected fraud or other activity where the promoter may deem additional action necessary or appropriate.

5.3 The winner’s name will be published on the MyCRA Website (www.MyCRA.com.au) within 3 days of the conclusion date of the competition for a period of 30 days.

5.3 The promoter’s decision is final and the promoter will not enter into correspondence regarding the result.

5.4 The promoter reserves the right to refuse to allow a winner to take part in any or all aspects of the prize, if the Promoter determines, in their absolute discretion, that a winner is not in the mental or physical condition necessary to be able to safely participate in the prize. It is a condition of accepting the prize that the winner may be required to sign a legal release in a form determined by the promoter in its absolute discretion.

6. NO LIABILITY

6.1 In the case of the intervention of any outside act, agent or event which prevents or significantly hinders the Promoter’s ability to proceed with the competition on the dates and in the manner described in these terms and conditions, including but not limited to vandalism, power failures, tempests, natural disasters, acts of God, civil unrest, strike, war, act of terrorism, the Promoter may in its absolute discretion cancel the competition and recommence it from the start on the same conditions.

6.2 MyCRA Pty Ltd & affiliates and associated agencies and companies will take no responsibility for prizes damaged or lost in transit, or late, lost or misdirected mail.

6.3 MyCRA Pty Ltd & affiliates will not be liable for any misadventure, accident, injury, loss or claim that may occur:

a) during the draw;

b) whilst undertaking any activity in or connected with their entry into the draw

c) in the participation in any prize;

d) as a consequence of late, lost or misdirected mail;

e) due to the broadcast of any program relating to the competition or the publication of any material, including any statements made by any compere, staff member, journalist, other entrants or any other person;

f) in relation to failure of an entry to be received by the promoter on account of technical problems or traffic congestion;

g) arising from or related to any problem or technical malfunction of any computer equipment, software, internet connection, mobile telephone, any injury or damage to entrant’s or any other person’s computer software related to or resulting from participation in this promotion;

6.4 MyCRA Pty Ltd assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorised access to, or alteration of, entries, and reserves the right to take any action that may be available.

6.5 If for any reason this competition is not capable of running as planned, including infection by computer virus, bugs, tampering, spam, unauthorised intervention, fraud, technical failures or any other causes beyond the control of the promoter which corrupt or affect the administration security, fairness, integrity or proper conduct of this competition, the promoter reserves the right in its sole discretion to disqualify any individual who tampers with the entry process, take any action that may be available, and to cancel, terminate, modify or suspend the competition

6.6 MyCRA Pty Ltd & affiliates and associated agencies and companies will take no responsibility for any immoral, unlawful or illegal acts committed or seen to have be committed in an attempt to gather more entries in the competition including but not limited to spam.

7. PROMOTER’S DETAILS

7.1 The promoter is MyCRA Pty Ltd (ACN 140 783 446 ) of 246 Stafford Road, Stafford QLD 4053

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