Active Promotions:

1. Festive Fortune 101 Campaign (hereinafter referred to as the "Promotion") is organized and managed by PFG Money Pty Ltd having its address at Unit 403, 189B South Centre Road, Tullamarine, VIC 3043 (ACN 146 972 161) (hereinafter referred to as the "Promoter").

2. The term of the Promotion commences from 1 March 2026 to 31 May 2026 ("Promotion Period"). .

3. This Promotion is strictly and exclusively applicable for the territory New South Wales, Australia.

4. For the purpose of this Promotion, "Participant" means the agent who has entered into and signed a valid Agent Agreement with the Promoter and operates within the territory of New South Wales during the Promotion Period.

5. This Promotion is applicable exclusively to the Participant through whom the MoneyGram Send Transaction (Successful Transactions) is facilitated via the Promoter’s authorised network in New South Wales.

6. “Prize” means the reward or consideration offered under this Promotion, which shall be determined and allocated based on predefined performance targets or eligibility criteria as established by the Promoter and communicated to the Participant in writing.

7. MoneyGram Send Transactions shall only be considered as part of this Promotion whereas cancelled or refunded transactions will not be considered. For avoidance of doubt, entitlement to this Promotion shall be determined at the sole discretion of the Promoter. The Participant is eligible for only one Prize.

8. The result will be published only after 15 June 2026, after the completion of the reconciliation of accounts by the Promoter for the Promotion Period.

9. The Prize shall be categorised in accordance with the applicable target metrics, performance thresholds, or other qualifying conditions. The specific nature, value, structure, and entitlement criteria of the Prize shall be communicated individually in writing by the Promoter.

10. The Promoter shall not be held liable for any Prize that are lost, delayed, or damaged during transit or postal delivery, where such events occur due to circumstances beyond the Promoter’s reasonable control.

11. To the extent permitted by law, the Promoter makes no representations or warranties of any kind, express or implied, regarding the quality, suitability, merchantability, or fitness for a particular purpose of any Prize awarded under this Promotion. The Promoter shall not be liable for any loss, damage, or injury arising from the use or enjoyment of any Prize.

12. The colour, style, size and model of the Prize shall be determined solely at the discretion of the Promoter unless stated otherwise.

13. Any pictures depicting the Prize on any media or promotional material are for depiction purposes only and in certain instances the actual Prize may differ or vary in appearance or specifications. The Promotion does not constitute an endorsement or recommendation of the products or services being offered as a Prize.

14. The Promoter reserves the right, in all cases, to substitute the stated Prize with another prize of broadly equivalent value, at the Promoter’s sole discretion, particularly in the event that the original Prize becomes unavailable due to circumstances beyond the Promoter’s control, including but not limited to manufacturer discontinuation or supply chain constraints.

15. No cash alternative shall be offered for non-cash prizes, and Prize winners must accept the Prize in the form offered. The Prize cannot be exchanged for cash or any other value, unless the Promoter explicitly consents to it in writing.

16. The Promoter reserves the right to disqualify the Participant in the event of any breach of these Terms and Conditions.

17. The Promotion is solely organized, managed, and controlled by the Promoter. All decisions made by the Promoter regarding the Promotion shall be final and binding.

18. By accepting the Prize, the Participant expressly consent to the Promoter publishing the Participant’s name, photograph, and/or general details on official platforms (including websites, social media, and other promotional materials) for marketing and publicity purposes, without any further compensation, unless prohibited by law.

19. To the maximum extent permitted by law, the Promoter shall 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 the Promotion.

20. This Promotion is in no way sponsored, endorsed, or administered by, or associated with, any third-party brands.

21. By participating in the Promotion, the Participants and winners are deemed to have accepted and agreed to be bound by these Terms and Conditions, which shall be interpreted solely at the Promoter’s discretion.

22. The Promoter reserves the right to amend these Terms and Conditions or to cancel, modify, or suspend the Promotion at any time if deemed necessary at its sole discretion or due to circumstances beyond its control.

23. These Terms and Conditions supersede all prior terms, conditions, understandings, arrangements, or agreements, whether verbal or written, related to the Promotion. However, specific promotional details, targets, or Prize information communicated individually in writing by the Promoter shall be read together with these Terms and Conditions.

24. These Terms and Conditions shall be read in conjunction with the terms of the Agent Agreement between the Promoter and the Participant and the letter addressed to the Participant containing the details of the Promotion.

25. By accepting these Terms and Conditions Participant agrees that personal data shall be collected and processed by the Promoter and stored on the Promoter’s database and used for the administration of its ongoing relationship with the Participant and in connection with the Promotion subject to Promoter’s Privacy Policy.

26. In case of any dispute, you must notify us in writing via email to info@pfgmoney.com.au within seven (7) days from the date of receipt of the Prize. Upon receipt of such notice, both parties shall make reasonable efforts to amicably resolve the dispute within thirty (30) days from the date of receipt of the written notification. The Promoter’s decision shall be final.

27. Any further disputes regarding the Promotion shall be referred to the exclusive jurisdiction of the courts of Victoria, Australia. The governing law shall be the laws of Victoria, Australia.