The fine print:• To qualify you must register full names and contact details of all prospective clients between the 1st September and the 30th of September 2012. • Referred contacts must take up the services of NSG during this period or at a later date if agreed by NSG management. • Referred contacts must be Australian Citizens • You can refer/enter as many people as you like and qualify for multiple prizes • Use of two of our financial services by the referred will result in the referrer receiving a 2 night stay, 5 star stay in their capital city • Purchase of an investment property by the referred will result in the referrer receiving a 5 day holiday in Fiji or Bali • Prize consists of an accommodation voucher  for Capital City prize and accommodation and flights for Fiji / Bali – all other expenses to be covered  personally by the referrer

The Promoter and its associated agencies and companies will not be liable for any loss (including, without limitation, indirect, special or consequential loss or loss of profits), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person’s negligence) in connection with this competition or accepting or using any prize, except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law).

Promoter reserves the right in its sole discretion to take any action that may be available and to cancel, terminate, modify or suspend the promotion. The Promoter reserves the right to disqualify any individual who tampers with the entry process including if an automated entry or voting mechanism is used.

In the event of any prize not being accepted or claimed within 3 weeks of the winner’s name being posted on the website and notification attempted, the relevant winner’s entry will be deemed invalid

Except for any liability that cannot be excluded by law, the Promoter, their related entities and their officers, employees and agents, exclude all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion, including, but not limited to, where arising out of the following: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorized access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoters) due to any reason beyond the reasonable control of the Promoters; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; (f) redemption of the prizes; and/or (g) participation in the Promotion.

If the Promoter, in its absolute discretion, considers an entry is in violation of any laws, the Promoter may report the entrant to the appropriate law enforcement authority and the entrant will have no claim against the Promoter, including for any loss or damage it may suffer as a result.

All entries will be the property of the Promoter and may be used by the Promoter in advertising the Promoter’s products and services. All Eligible Entrants assign all copyright in their entries to the Promoter and expressly waive all of their moral rights under the Copyright Act 1968 (C’th) in favour of the Promoter and all Eligible Entrants agree to do all things reasonably necessary to give effect to this term. The personal information entrants provide will be used by the Promoter for the purpose of conducting this competition and marketing activities. The Promoter may disclose entrant’s personal information to its contractors and agents to assist in conducting this competition or communicating with entrants.

Where the prize is awarded in the form of a gift card, voucher or letter (“Voucher”), the Promoter will not be liable for any Voucher that has been lost, stolen, forged, damaged or tampered with in any way. Redemption of the Voucher is subject to the terms and conditions specified on the Voucher.

Failure by the Promoter to enforce any of its rights at any time does not constitute a waiver of those rights.