Heading of the Module

Subtitle 1

1. Information on How to enter and prizes form part of these Conditions of Entry.
2. Entry into this competition is deemed to be acceptance of these Conditions of Entry.
3. Entry is open to members of Queensland Country Women’s Association (QCWA). Westfund employees and their immediate families are ineligible to enter or win.
4. Westfund reserves the right to verify the validity of entries and reserves the right to disqualify any entrant for interfering with the entry process or for submitting an entry which is not in accordance with these Conditions of Entry.
5. To enter, entrants must be a member of QCWA and enter the draw via a dedicated web entry form. Only one entry per member is allowed. Entrants must be a current QCWA member at the time of the draw.
6. All entrants must have a valid phone number and email address to be eligible for the draw. Entrants must be over 18 years of age.
7. By entering into the competition, you agree that you can be contacted by a Westfund staff member and receive marketing materials about Westfund products.
8. The competition period commences at 9am AEST on Tuesday 1st April 2025 and closes on Tuesday 28th October 2025 at 3pm AEST.
9. Prize is a red KitchenAid Artisan Tilt-Head Mini Stand Mixer KSM3311. Total prize pool is worth $599. All prices are in Australian dollars and exclude GST.
10. This is a random prize draw; no alternative prize will be offered.
11. The draw will take place at QCWA State Conference no later than 4pm AEST on 28th October 2025. The winner will receive their prize either in person on the day of the draw or via courier to their home address.
12. Promoter's decision is final, and no correspondence will be entered into.
13. Prizes are not transferable or exchangeable and cannot be taken as cash. Promoter accepts no responsibility for any variation in the prize or the prize value.
14. Winner will be published through Westfund's website: www.westfund.com.au/competition-winners.
15. The Promoter shall not be liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss) or for any personal injury suffered or sustained as a consequence of the use and enjoyment of any prize.
16. The Promoter cannot be held responsible for damaged, undelivered, lost or stolen items while in transit and no replacement will be provided.
17. Promotional materials are void if stolen, forged, mutilated or tampered with in any way.
18. Printing errors and other quality control matters will not invalidate an otherwise valid prize claim. All valid claims for prizes and entitlements will be met.
19. No responsibility is accepted for late entries after the competition period has lapsed.
20. The Promoter accepts no responsibility for any tax implications that may arise from the prize winnings. Independent financial advice should be sought by winners.
21. All registration entries become and remain the property of the Promoter. The Promoter collects personal information about you to enable you to participate in this promotion. To do this, the Promoter may disclose your personal information to other companies associated with this promotion and to State and Territory lottery departments. Winners' names will be published as required under the relevant lottery legislation. If you do not provide your personal information, the Promoter will not be able to enter you into this promotion. In most cases, you can gain access to your personal information by contacting the Promoter's Privacy Officer on 1300 937 838. To view our Privacy Policy visit www.westfund.com.au/privacy-policy/
22. If the prize is unclaimed by 5pm AEST on 6th November 2025 an unclaimed prize draw will take place at Lithgow no later than 5pm AEST 7th November 2025 and the winner will be notified by phone and email.
23. Promoter reserves the right to conduct a security verification check at its absolute discretion. Prize winner may be required to sign a declaration confirming their eligibility to accept the prize.
24. This competition is not associated in any way with KitchenAid.
25. Westfund reserve the right to alter Terms and Conditions at any time.
26. Promoter is Westfund Ltd, ABN 55 002 080 864, 59 Read Ave, Lithgow, NSW 2790. Phone: 1300 937 838.
27. Information on How to enter and prizes form part of these Conditions of Entry.
28. Entry into this competition is deemed to be acceptance of these Conditions of Entry.
29. Entry is open to members of Queensland Country Women’s Association (QCWA). Westfund employees and their immediate families are ineligible to enter or win.
30. Westfund reserves the right to verify the validity of entries and reserves the right to disqualify any entrant for interfering with the entry process or for submitting an entry which is not in accordance with these Conditions of Entry.
31. To enter, entrants must be a member of QCWA and enter the draw via a dedicated web entry form. Only one entry per member is allowed. Entrants must be a current QCWA member at the time of the draw.
32. All entrants must have a valid phone number and email address to be eligible for the draw. Entrants must be over 18 years of age.
33. By entering into the competition, you agree that you can be contacted by a Westfund staff member and receive marketing materials about Westfund products.
34. The competition period commences at 9am AEST on Tuesday 1st April 2025 and closes on Tuesday 28th October 2025 at 3pm AEST.
35. Prize is a red KitchenAid Artisan Tilt-Head Mini Stand Mixer KSM3311. Total prize pool is worth $599. All prices are in Australian dollars and exclude GST.
36. This is a random prize draw; no alternative prize will be offered.
37. The draw will take place at QCWA State Conference no later than 4pm AEST on 28th October 2025. The winner will receive their prize either in person on the day of the draw or via courier to their home address.
38. Promoter's decision is final, and no correspondence will be entered into.
39. Prizes are not transferable or exchangeable and cannot be taken as cash. Promoter accepts no responsibility for any variation in the prize or the prize value.
40. Winner will be published through Westfund's website: www.westfund.com.au/competition-winners.
41. The Promoter shall not be liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss) or for any personal injury suffered or sustained as a consequence of the use and enjoyment of any prize.
42. The Promoter cannot be held responsible for damaged, undelivered, lost or stolen items while in transit and no replacement will be provided.
43. Promotional materials are void if stolen, forged, mutilated or tampered with in any way.
44. Printing errors and other quality control matters will not invalidate an otherwise valid prize claim. All valid claims for prizes and entitlements will be met.
45. No responsibility is accepted for late entries after the competition period has lapsed.
46. The Promoter accepts no responsibility for any tax implications that may arise from the prize winnings. Independent financial advice should be sought by winners.
47. All registration entries become and remain the property of the Promoter. The Promoter collects personal information about you to enable you to participate in this promotion. To do this, the Promoter may disclose your personal information to other companies associated with this promotion and to State and Territory lottery departments. Winners' names will be published as required under the relevant lottery legislation. If you do not provide your personal information, the Promoter will not be able to enter you into this promotion. In most cases, you can gain access to your personal information by contacting the Promoter's Privacy Officer on 1300 937 838. To view our Privacy Policy visit www.westfund.com.au/privacy-policy/
48. If the prize is unclaimed by 5pm AEST on 6th November 2025 an unclaimed prize draw will take place at Lithgow no later than 5pm AEST 7th November 2025 and the winner will be notified by phone and email.
49. Promoter reserves the right to conduct a security verification check at its absolute discretion. Prize winner may be required to sign a declaration confirming their eligibility to accept the prize.
50. This competition is not associated in any way with KitchenAid.
51. Westfund reserve the right to alter Terms and Conditions at any time.
52. Promoter is Westfund Ltd, ABN 55 002 080 864, 59 Read Ave, Lithgow, NSW 2790. Phone: 1300 937 838.

Subtitle 2

The Medicare Levy Surcharge (MLS) is an extra charge you may pay if you earn over $93,000^* as a single, or $186,000^{^} as a couple/family, and you don’t have a suitable level of private hospital cover. The MLS is designed to encourage Australians to take out private hospital cover to help reduce the demand on the public health care system.

If you earn more than the Medicare Levy Surcharge income thresholds, the only way to avoid the MLS is to take out suitable private hospital cover. Extras cover won’t help you avoid the MLS.

The good news is that the cost of hospital cover is often less than what you’d pay for the MLS, so you could actually save money by buying hospital cover.

Subtitle 3

The Medicare Levy Surcharge (MLS) is an extra charge you may pay if you earn over $93,000^* as a single, or $186,000^{^} as a couple/family, and you don’t have a suitable level of private hospital cover. The MLS is designed to encourage Australians to take out private hospital cover to help reduce the demand on the public health care system.

If you earn more than the Medicare Levy Surcharge income thresholds, the only way to avoid the MLS is to take out suitable private hospital cover. Extras cover won’t help you avoid the MLS.

The good news is that the cost of hospital cover is often less than what you’d pay for the MLS, so you could actually save money by buying hospital cover.