Spendi “Win Story” Competition – Terms and Conditions

1. Promoter
The Promoter is Spendi Pty Ltd (ABN 49 652 312 328) of Level 23, 737 Collins Street (Tower 5), Melbourne VIC 3008 (“Spendi”).

2. Eligibility
Entry is open to all Australian residents aged 18 years or over who are existing Spendi users at the time of entry. Employees, directors, and immediate family members of the Promoter and its associated agencies are ineligible to enter.

3. Promotion Period
The promotion commences Thursday, 6 November 2025 at 12:01 am (AEST) and closes Friday, 12 December 2025 at 11:59 pm (AEST) (“Promotion Period”).

4. How to Enter
During the Promotion Period, entrants must either: a) Comment on the official Spendi promotional post on Instagram or Facebook telling their Spendi Win Story; or b) Upload a video story to Instagram or Facebook sharing their Spendi Win Story and tag @spendiapp.

Each eligible comment counts as one (1) entry, and each eligible video counts as two (2) entries into the draw.

By entering this competition, entrants grant Spendi Pty Ltd permission to use, reproduce, and share their submitted comment(s), story, or video (in whole or in part) across Spendi’s marketing channels, including but not limited to social media, website, and email communications, without further notice or compensation.

5. Prize
There is one (1) prize to be won, consisting of:

• A $250 gift card, and

• 1,000 bonus entries into the Spendi Weekly Draw.

The $250 gift card will be issued electronically via email as a digital Mastercard gift card, redeemable online or in-store wherever Mastercard is accepted (cannot be exchanged for cash).

6. Winner Selection
The winner will be selected based on creativity, engagement, and authenticity of their entry. The decision of the Promoter is final and no correspondence will be entered into.

7. Winner Announcement & Notification
The winner will be announced on Saturday, 13 December 2025 via Spendi’s official Instagram and Facebook accounts. The winner will also be contacted via direct message, email, or phone within two (2) business days of selection. The winner’s name (and social media handle, if applicable) may be published on Spendi’s website, email communications, and within the Spendi app.

8. Unclaimed Prize
If the prize remains unclaimed after three (3) months, the Promoter reserves the right to select an alternative winner, subject to regulatory approval. The new winner will be notified in the same manner as above.

9. General Conditions
a) Entrants agree that Spendi may use their name, image, story, video, or comment for marketing and promotional purposes without further compensation.
b) The prize is not transferable, exchangeable, or redeemable for cash.
c) The Promoter accepts no responsibility for any late, lost, incomplete, or misdirected entries.
d) The Promoter reserves the right to verify entries and disqualify any entrant who tampers with the entry process or fails to comply with these Terms and Conditions.
e) The Promoter may cancel or amend the promotion if circumstances arise beyond its reasonable control.

10. Liability
Except for any liability that cannot be excluded by law, Spendi will not be liable for any loss, damage, or injury suffered or sustained (including but not limited to indirect or consequential loss) arising out of or in connection with this promotion or the acceptance of the prize. 11. Privacy Personal information provided by entrants will be handled in accordance with Spendi’s Privacy Policy, available at www.spendi.com.au.