LEND MORE. RISK LESS. PRIZE DRAW (“PROMOTION”) OFFICIAL RULES — NO PURCHASE NECESSARY
LEND MORE. RISK LESS. PRIZE DRAW (“PROMOTION”) OFFICIAL RULES — NO PURCHASE NECESSARY
1) SPONSOR
The Promotion is sponsored by Beforepay Group Limited (trading as Carrington Labs) (“Sponsor”).
Address: Suite 9.01, 77 Castlereagh Street, Sydney NSW 2000, Australia.
Email: hello@carringtonlabs.com
2) PROMOTION NAME
“Lend More. Risk Less.” Prize Draw.
3) NO PURCHASE NECESSARY NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN.
A purchase will not increase your chances of winning.
4) ELIGIBILITY
Open only to legal residents of Australia, New Zealand, the United States, the United Kingdom, Canada, the United Arab Emirates and Ireland, who are at least eighteen (18) years old at the time of entry.
Void where prohibited or restricted by law. Without limiting the foregoing, the Promotion is not open to residents of Brazil, Quebec, or any other jurisdiction where the Promotion would require registration, licensing, bonding, local-language terms, permits, translations, tax withholding, skill-testing requirements, or other legal or operational steps that Sponsor has not completed. Sponsor reserves the right to reject, disqualify, or void any entry submitted from a jurisdiction that is excluded, prohibited, or otherwise not operationally supported by Sponsor.
Employees, officers, and directors of Sponsor, its parent, affiliates, subsidiaries, advertising/promotion agencies, and any entity involved in the administration of the Promotion, and each of their immediate family members (spouse, parent, child, sibling) and household members, are not eligible.
5) PROMOTION PERIOD
The Promotion begins on Friday, March 20, 2026 at 8:00 a.m. Sydney, New South Wales, Australia time and ends on Friday, May 1, 2026 at 11:59 p.m. Sydney, New South Wales, Australia time (“Promotion Period”). Sponsor’s computer is the official timekeeping device.
6) HOW TO ENTER
To enter, during the Promotion Period:
1. Visit the direct entry URL: https://www.carringtonlabs.com/lend-more-risk-less-giveaway (the “Entry Page”);
2. Complete the "Lend More. Risk Less." game flow, including selecting the profile and matching it to the product; and
3. Submit the entry form with the requested information (first name, last name, email, company, job title, country, and any other information required).
Completion of the "Lend More. Risk Less." game flow is required to submit an entry. However, performance in the game or the answers provided do not affect the odds of winning, which are determined solely by random drawing.
Entry limit: Each completed submission counts as one (1) entry. Any attempt to obtain more than the stated number of entries by using multiple/different email addresses, identities, registrations, logins, or any other methods may void entries and may result in disqualification.Automated entries (including entries submitted through scripts, bots, macro programs, or other automated means) are prohibited and will be disqualified.
7) PRIZE; APPROXIMATE RETAIL VALUE (ARV)
One (1) prize will be awarded.Prize: one (1) LEGO® Icons #10323 PAC-MAN Arcade set.
Approximate retail value: US $269.99.
The prize is non-transferable and no cash redemption is permitted, except at Sponsor’s sole discretion. Sponsor may substitute a prize of equal or greater value if the prize becomes unavailable or shipment to the winner’s jurisdiction is impractical or restricted.
LEGO® is a trademark of the LEGO Group of companies, which does not sponsor, endorse, or administer this Promotion and is not associated with Sponsor.
8) WINNER SELECTION; DRAWING; ODDS
Provided that at least fifty (50) eligible entries are received during the Promotion Period, one (1) potential winner will be selected in a random drawing from among all eligible entries received during the Promotion Period.
The draw will take place in Sydney, New South Wales, Australia during the week beginning Monday, May 4, 2026, on a date determined by Sponsor.
If fewer than fifty (50) eligible entries are received during the Promotion Period, the Promotion will be void and no drawing will be held and no prize will be awarded.
Odds of winning depend on the number of eligible entries received.
9) WINNER NOTIFICATION; VERIFICATION
The potential winner will be notified using the contact information provided at entry (e.g., email and/or phone) during the week commencing Monday, May 4, 2026. Sponsor may use one or more contact methods provided at entry and may make multiple contact attempts during the response period.
Sponsor may require the potential winner to complete and return, within the time period specified by Sponsor, an affidavit or declaration of eligibility and liability release and, where permitted by law, a publicity release, and/or other documentation reasonably required to confirm eligibility and facilitate prize delivery.
If a potential winner cannot be contacted, fails to respond within seven (7) days of the first notification attempt, fails to provide required documentation, is found ineligible, resides in an excluded or ineligible jurisdiction, or declines the prize, the potential winner may be disqualified and an alternate winner may be selected by random drawing from the remaining eligible entries received during the Promotion Period.
10) PRIZE FULFILMENT
The prize will be shipped to the verified winner at a mailing address in an eligible jurisdiction approved by Sponsor.
Sponsor is not responsible for delivery issues due to incorrect or incomplete address information, failed delivery, customs delays, import restrictions, or any costs or expenses not expressly stated as part of the prize.
Unless prohibited by applicable law, the winner is solely responsible for any customs duties, import taxes, VAT, GST, local taxes, or other charges associated with receipt of the prize.
11) TAXES
The winner is responsible for all applicable taxes, duties, levies, and fees associated with receipt and/or use of the prize, and Sponsor will comply with any applicable tax reporting obligations to the extent required by law.
12) OPTIONAL MARKETING OPT-IN; PRIVACY
Entry is not conditioned on opting in to marketing. Any marketing opt-in offered in the entry flow is optional and does not increase odds of winning.
Sponsor will use personal information collected in connection with this Promotion to administer the Promotion, including verifying eligibility, contacting the winner, and prize fulfilment. If an entrant opts in, Sponsor may also send marketing and promotional communications.
By entering, entrants acknowledge that their personal information may be processed and transferred internationally for the purposes of administering the Promotion, in accordance with Sponsor’s privacy policy, available at: https://www.beforepay.com.au/privacy.
13) PUBLICITY
Except where prohibited, acceptance of a prize constitutes permission for Sponsor to use the winner’s name, city/country of residence, company name, and/or likeness for promotional purposes in any media without further payment or consideration.
14) RELEASE; LIMITATION OF LIABILITY
By participating, entrants agree to release and hold harmless Sponsor and its parent, affiliates, subsidiaries, agencies, and their respective officers, directors, employees, and agents (“Released Parties”) from and against any claim or cause of action arising out of participation in the Promotion or receipt or use of any prize, except where prohibited.
Released Parties are not responsible for: (i) late, lost, stolen, incomplete, invalid, unintelligible, or misdirected entries; (ii) technical failures of any kind (including hardware, software, network connections, or transmission issues); (iii) unauthorized human intervention; (iv) printing, typographical, or other errors; or (v) any injury or damage to persons or property related to participation in the Promotion.
15) GENERAL CONDITIONS
Sponsor reserves the right to disqualify any individual it determines, in its sole discretion, to be tampering with the entry process or the operation of the Promotion, acting in violation of these Official Rules, or acting in an unsportsmanlike or disruptive manner.
Sponsor reserves the right to suspend, modify, or cancel the Promotion if fraud, technical failures, legal or regulatory issues, shipping restrictions, or any other factor beyond Sponsor’s reasonable control impairs the integrity or proper functioning of the Promotion, as determined by Sponsor.
16) GOVERNING LAW
This Promotion and these Official Rules shall be governed by and construed in accordance with the laws of New South Wales, Australia, without regard to conflict of law principles. Any disputes shall be resolved exclusively in the courts of New South Wales, Australia, except where prohibited by applicable consumer law.
17) WINNER LIST
To request the name of the winner, send an email to hello@carringtonlabs.com with subject line "Lend More. Risk Less. Winner List" within 60 days of the end of the Promotion.
18) CANADA
For Canadian residents, excluding residents of Quebec, a selected entrant may be required to correctly answer a time-limited mathematical skill-testing question, without assistance, in order to be declared the winner, where required by applicable law.
19) LOCAL LAW
This Promotion is subject to all applicable laws and regulations in each eligible jurisdiction. If any provision of these Official Rules is prohibited by or unenforceable under the laws of a particular jurisdiction, that provision shall, as to that jurisdiction, be interpreted and applied only to the minimum extent required to comply with applicable law, and the remainder of these Official Rules shall remain in full force and effect.
