THINGS YOU SHOULD KNOW

*No payments and no interest for 90 days is only available on qualifying purchases made in-store or online at accepting retailers with a Farmers Finance Card ($50 minimum spend) or Farmers Mastercard (no minimum spend) from Saturday 18 July – 11:59 p.m. Sunday 19 July 2020 New Zealand Standard Time (NZST) only. Interest at the Annual Interest Rate (currently 25.50% p.a. for Farmers Finance Card and 25.95% p.a. for Farmers Mastercard) will apply if any part of the Interest-Bearing Balance is not paid by the due date. Farmers Finance Card and Farmers Mastercard lending criteria, fees, terms and conditions apply (including an Annual Account Fee $50 for Farmers Mastercard only). Rates correct at date of publication, subject to change. Excludes cash advances, balance transfers, fees, interest charges or quasi-cash transactions. Retail Financial Services Limited and Columbus Financial Services Limited reserve the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice. See farmersfinancecard.co.nz or farmersmastercard.co.nz for full details.
+$15 or $25 Credit back offer is valid for a closed group of selected cardholders (“Eligible Cardholders”). Eligible Cardholders who make any 3 or more purchases on their Farmers Finance Card at any retailer that accepts Farmers Finance Card in-store or online during the Prize Draw Period will receive NZD$15 of their credit back on their Farmers Finance Card account to an amount equal to the closing balance of their account as at 11.59 PM on 26 July 2020, up to a maximum amount of $15. However, Eligible Cardholders who make a total of 5 or more purchases on their Farmers Finance Card during the Prize Draw Period will instead receive NZD$25 of their credit back on their Farmers Finance Card account to an amount equal to the closing balance of their account as at 11.59 PM on 26 July 2020, up to a maximum amount of $25. Any applicable credit back will be will be applied to the Eligible Cardholder’s Farmers Finance Card account by 14 August 2020.

^Queenstown Prize draw terms and conditions:

1. Prize Draw valid from 11 July to 26 July (“Prize Draw Period”). There are two prizes to give away (“Prize Draw”).
2. Two Prize Draw winners will each receive Flight Centre Gift Cards to the total value of NZD$5,000 (“Prize”).
3. An entry into the Prize Draw is automatic every time a purchase is made with Farmers Mastercard or Farmers Finance Card at accepting retailers during the Prize Draw Period.
4. Two winners will be drawn at random from all eligible entries at 111 Carlton Gore Rd, Newmarket, Auckland on 28 July 2020.
5. The prize is not negotiable, non-transferable or redeemable for cash.
6. The Prize winner(s) will be notified by phone/email by 7 August 2020.
7. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place.
8. Any purchases made on Farmers Mastercard or Farmers Finance Card during the Prize Draw Period that have been cancelled, refunded, returned or suspended before the Prize Draw date will be considered an ineligible entry into the Prize Draw.
9. The entities responsible for this promotion is Columbus Financial Services Limited and Retail Financial Service (together the “Promoter”).
10. If a winner cannot be contacted within 5 business days, the Promoter reserves the right to re-draw a prize.
11. The Promoter reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice. If for any reason a prize becomes unavailable, the Promoter may substitute an alternative equivalent prize without notice.
12. The Promoter is not liable for any failure (for whatever reason) to record an entry into the Prize Draw.
13. Any decisions made by the Promoter in relation to the Prize Draw are final and no correspondence will be entered into.
14. Entry into the Prize Draw is deemed acceptance of these terms and conditions.
15. Acceptance of the Prize is deemed consent for the Promoter to use the winner’s details for promotional and media purposes. 16. Employees of the Promoter and/or FlexiGroup (New Zealand) Limited and Farmers Trading Company are not eligible to enter the Prize Draw.
17. Except for any liability that cannot be excluded by law, the Promoter shall not be liable for any loss, damage, personal injury whatsoever, including but not limited to indirect or consequential loss, which is suffered or sustained arising out of or in connection with the Prize or Prize Draw.
18. Where goods or services are supplied by third parties, the Promoter does not warrant the quality of such goods and/or services or their suitability. Nothing in these terms and conditions is intended to exclude, restrict or modify a consumer’s rights under the Consumer Guarantees Act 1993.
19. Farmers Mastercard and Farmers Finance Card terms and conditions apply. Flight Centre Gift Card terms and conditions apply.
20. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.