These Terms and Conditions apply to the monthly Broker Pulse survey conducted by Agile Market Intelligence Pty Ltd and to the participation incentive offered to eligible respondents.

1. Promoter

The promoter is Agile Market Intelligence Pty Ltd (ABN 50 624 168 618) of Level 13, 132 Arthur Street, North Sydney NSW 2060, Australia (the Promoter).

Questions about the Survey or the incentive can be sent to hello@brokerpulse.com.au.

2. Eligibility

The Broker Pulse survey (Survey) and associated participation incentive are open only to eligible and verified brokers who:

• are at least 18 years old;
• are a mortgage, commercial or asset finance broker operating in Australia who has written broker business within the past 12 months and who:

• holds an Australian Credit Licence or is an authorised Credit Representative;
• is accredited with a lender or aggregator; or
• is a member of an industry body such as the MFAA, FBAA or CAFBA

• meet the qualification criteria for the relevant monthly Survey;
• successfully complete and submit the Survey during the applicable survey period;
• provide accurate and complete information requested as part of the Survey;
• provide a valid email address; and
• satisfy the Promoter's verification and quality-control requirements.

The Survey is intended for genuine industry participants. Respondents are encouraged to use a business or professional email address. Responses submitted using a personal email address (such as Gmail, Yahoo, Outlook or similar services) may be subject to additional verification, such as confirming their credit licence or Credit Representative number, lender or aggregator accreditation, or industry body membership, before an incentive is issued.

The following people are not eligible to receive an incentive:

• employees, officers and contractors of the Promoter and its related bodies corporate, and their immediate families; and
• employees of lenders, aggregators or other organisations who are not practising Brokers.

Eligibility for an incentive is subject to verification by the Promoter. Completing or submitting the Survey does not, by itself, guarantee eligibility for an incentive.

3. Participation incentive

Each eligible respondent who successfully completes the Survey, and whose response is verified by the Promoter as eligible and valid, will receive a $20 Prezzee eGift card.

Unless otherwise stated by the Promoter:

• only one (1) $20 Prezzee eGift card may be awarded to an eligible respondent per month. A respondent who qualifies for and completes both the Residential and Commercial Broker Pulse surveys in the same month will receive one card in total;
• the incentive is personal to the eligible respondent and is not transferable or exchangeable for cash by the Promoter; and
• the incentive cannot be substituted for another reward at the respondent's request.

Respondents are responsible for ensuring that receiving the incentive complies with any gifts or benefits policy that applies to them, including any policy of their aggregator, licensee or employer.

Any additional, bonus or promotional incentives offered from time to time may be subject to separate terms and conditions.

4. Verification of responses

All Survey responses are subject to verification and quality-control checks before an incentive is issued.

The Promoter reserves the right to withhold an incentive where it reasonably determines that a respondent or response:

• does not meet the Survey's eligibility or qualification criteria;
• contains false, misleading, incomplete or unverifiable information;
• is a duplicate or repeat response where only one response is permitted;
• has been submitted using multiple email addresses or identities in an attempt to obtain multiple incentives;
• has been completed fraudulently or through automated means;
• fails reasonable survey quality checks, including responses that indicate the Survey was not completed genuinely or in good faith; or
• otherwise breaches these Terms and Conditions.

The Promoter may request additional information where reasonably necessary to verify a respondent's eligibility as a Broker, such as their credit licence or Credit Representative number, details of their lender or aggregator accreditation, or their industry body membership.

5. Survey period and issuing the incentive

Broker Pulse is conducted monthly. Each monthly Survey has a defined survey period, which will be communicated to respondents in the Survey invitation or Survey materials.

After each monthly Survey period closes, the Promoter will review and validate Survey responses. Once this process is complete, eligible respondents will receive their $20 Prezzee eGift card at the email address provided in connection with the Survey. Cards will be issued no later than 4 weeks after the Survey period closes.

Respondents are responsible for providing a valid and accessible email address and for checking their inbox, spam and junk folders for communications relating to their incentive.

The Promoter is not responsible for delays or failures in delivery resulting from an incorrect, incomplete or inaccessible email address supplied by the respondent.

6. Claim and activation period

Once issued, the Prezzee eGift card must be claimed and activated within three (3) months from the date of issue. This period begins on the date the eGift card is issued, not the date the respondent completes the Survey or the date the monthly Survey closes.

Respondents are responsible for following the instructions provided by Prezzee to claim and activate their eGift card within this period.

If the eGift card is not claimed and activated within three (3) months of its issue date, the incentive will be forfeited, and the Promoter will not be required to reissue, replace or provide compensation for it.

Once an eGift card has been claimed and activated, its ongoing use, redemption and any expiry conditions are subject to Prezzee's terms and conditions and the terms of any retailer or brand gift card selected by the recipient.

7. Lost, deleted or undelivered eGift cards

Respondents who believe they have not received their eGift card should contact the Promoter at hello@brokerpulse.com.au within the three-month claim and activation period.

Where reasonably possible, the Promoter may help confirm whether an incentive has been issued or arrange for the original Prezzee communication to be resent.

The Promoter is not responsible for an eGift card that has been lost, deleted, accessed by another person or otherwise compromised after being successfully issued to the email address supplied by the respondent, except to the extent required by law.

8. Cost

There is no fee to participate in the Survey. Any costs associated with accessing or completing the Survey, including internet or data charges, are the responsibility of the respondent.

9. Decisions and exclusion of liability

The Promoter's decisions regarding eligibility, verification of Survey responses and entitlement to an incentive are final, subject to applicable law.

The Promoter may take reasonable steps to investigate suspected duplicate, fraudulent or otherwise invalid Survey responses.

To the extent permitted by law, the Promoter is not responsible for technical failures, email filtering, incorrect contact information or circumstances outside its reasonable control that prevent or delay delivery of an incentive.

Nothing in these Terms and Conditions excludes, restricts or modifies any consumer guarantee, right or remedy that cannot lawfully be excluded under Australian law.

Respondents are responsible for determining whether receiving an incentive has any tax implications for them. The Promoter does not provide tax advice, and respondents should seek independent advice where required.

10. Prezzee

Prezzee is a third-party provider and is not responsible for the conduct or administration of the Survey.

Once an incentive has been issued, the claiming, activation, storage and use of the Prezzee eGift card may be subject to Prezzee's terms and conditions.

The Promoter is not responsible for changes made by Prezzee to its platform, services or terms that are outside the Promoter's reasonable control.

11. Privacy and confidentiality

Respondents' answers will be kept confidential in accordance with the Privacy Act 1988 (Cth). Individual responses and respondent identities are never shared with lenders, aggregators or any client of the Promoter.

Survey responses are used for research purposes and are reported in aggregate. Open-ended comments may be included in research findings, but only in de-identified form so that individual respondents cannot be identified.

This Survey adheres to The Research Society's Code of Professional Behaviour.

The Promoter may collect and use respondents' contact and eligibility information as reasonably necessary to:

• verify that respondents meet the eligibility requirements for the Survey;
• validate Survey participation and responses;
• administer and issue participation incentives; and
• communicate with respondents about their participation or incentive.

To issue the incentive, the Promoter will provide the respondent's email address to Prezzee. Personal contact and eligibility information used to administer the Survey and incentive will not be included in research findings.

If requested information is not provided, the Promoter may be unable to verify a respondent's eligibility or issue an incentive.

Further information about how Agile Market Intelligence collects, uses and handles personal information is available in its Privacy Policy at https://agilemarketintelligence.com.au/privacy.

12. Changes or cancellation

The Promoter reserves the right to amend, suspend or discontinue an incentive or Survey where reasonably necessary due to circumstances outside its control, suspected fraud, technical issues or other circumstances affecting the proper administration of the Survey.

Any changes will not affect incentives that respondents have already validly earned before the change, except where required by law or where the relevant response is later found to be ineligible or invalid.

13. Inconsistency

If there is any inconsistency between these Terms and Conditions and any other published material relating to the Survey incentive, these Terms and Conditions will prevail.

Where a particular Survey or promotional campaign has its own specific terms and conditions, those specific terms will apply to that Survey or campaign to the extent of any inconsistency.

14. Acceptance

By participating in the Survey and submitting a response, each respondent acknowledges that they have read and agree to these Terms and Conditions.

Participation in the Survey does not guarantee receipt of an incentive unless all applicable eligibility, completion and verification requirements have been satisfied.

15. Contact

For questions about the Survey, your incentive or these Terms and Conditions, contact the Promoter at hello@brokerpulse.com.au.