Promotion - Terms and Conditions

General

1. The Flip Friends & Family Referral Offer (the "Offer") will run from November 14 2023 until November 25 2026 (“Active Offer Period”).
2. This Offer is made by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“we” or “us”), in connection with insurance issued by HCF Life Insurance Company Pty Ltd, ABN 37 001 831 250, and is independent of any other offer.
3. By participating, you agree to the terms and conditions outlined herein. We reserve the right to modify, extend, or withdraw this Offer at our sole discretion at any time.

How does this Offer work?

1. This Offer is available to current, registered Flip customers and their eligible friends, acquaintances, and family members (referred to as "Friend" or "Family Member"). A Friend or Family Member will be eligible for the Offer if they have not previously registered with Flip and meet the conditions to purchase the relevant Flip product.
2. During the Active Offer Period, each current, registered Flip customer will receive a unique referral code after making their first order.
3. You can participate in the Offer:
   1. If you are a current, registered Flip customer – by sharing your referral code with a Friend or Family Member: For each new Friend or Family Member who uses your referral code to register a Flip account and proceeds to purchase Flip accidental injury insurance, you will receive a 25% discount on your next purchase of a day or week of cover, or the first month of a monthly subscription (though not for any additional cover or recurring subscription payments).
   2. If you are a Friend or Family Member – by using the referral code you received from an existing, registered Flip customer to purchase cover: If you use a referral code when purchasing a Flip product and are a first-time transacting customer who has not previously registered with Flip, you will receive a 25% discount on that purchase of a day or week of cover, or the first month of a monthly subscription (though not for any additional cover or recurring subscription payments).

What else should I know?

1. This Offer is applicable only to select purchase options Flip cover from any of the ‘direct to consumer’ (D2C) products - Flip Active, Flip Kids and Flip Roaming. The offer excludes the purchase of Season Passes, Annual Subscription, Group Active ‘Business to Business’ (B2B) product, Flip Group Active.
2. This Offer cannot be sold, exchanged, transferred, redeemed, replaced or refunded for cash or any other type of credit, and cannot be applied to any previously purchased cover.
3. We may, at our sole discretion, reverse this Offer if we reasonably suspect that:
   1. you have not participated in this Offer in good faith; or
   2. you have acted in a fraudulent, deceptive or misleading manner.

HOW TO QUALIFY:

1. To qualify for the Flip Dental x HCF Eyecare Giveaway (“Promotion”), you must: 
   a. Purchase a Flip Dental voucher during the Promotion Period (see below);
   b. Present your Flip Dental email purchase confirmation at an HCF Eyecare centre within 6 months; and
   c. Have a bulk-billed eye test at an HCF Eyecare centre within 6 months or be an existing HCF Eyecare customer with a current glasses prescription.
2. This Promotion is subject to Terms and Conditions which are available at https://www.flipinsurance.com.au/promo-terms

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TERMS & CONDITIONS

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1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 09:00 AEDT on 20 January 2026 until 23:59 AEST on 31 May 2026 (“Promotion Period”).
2. Information on ‘How to qualify’ also forms part of the terms and conditions.
3. To qualify for this Promotion, individuals must meet the following eligibility requirements:
   a. Have purchased a Flip Dental voucher within the Promotion Period;
   b. Present their Flip Dental email purchase confirmation at an HCF Eyecare centre within 6 months of purchasing the Flip Dental voucher;
   c. Have had a bulk billed eye test at an HCF Eyecare centre within 6 months of purchasing the Flip Dental voucher or be an existing HCF Eyecare customer with a current glasses prescription (HCF Eyecare centre are in Sydney at the following locations - https://www.hcf.com.au/locations/hcf-centres/hcf-eyecare-centre);
   d. Reside in New South Wales; and
   e. Be at least 18 years old.
4. All individuals who qualify for this Promotion will receive $100 off the recommended retail price of any glasses or sunglasses sold by HCF Eyecare.
5. The $100 HCF Eyecare discount remains valid for 6 months after purchasing the Flip Dental voucher. It can be claimed at any time during that period by meeting the eligibility requirements in clause 3 above and presenting the Flip Dental email purchase confirmation to an HCF Eyecare centre. After 6 months, the HCF Eyecare discount will be forfeit.
6. If a bulk billed eye test is needed to qualify, that requires an appointment at an HCF Eyecare centre. While those are normally available within a few days, you should book early to ensure it is provided within 6 months of purchasing the Flip Dental voucher.
7. The $100 HCF Eyecare discount cannot be used in conjunction with other offers. No refunds or credits are made if the discount is not used, or if it is used to purchase glasses or sunglasses that cost less than $100.
8. For any query relating to the Promotion, please contact Flip at help@getflip.com.au or on 03 6161 3547.

Privacy: Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions. 

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions.  

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.

Winners: Sally, Sam, Jeremy, Jeff, Amelia, Sydney, Mylo, Pieter, Tiarna, Mick, Amelia, Sakura, Rami, Hannah, Byron

HOW TO ENTER

1.    To enter the Thredbo Summer MTB Lift Pass Competition (“Promotion”), you must:

a) Complete the Promotion form provided to you through the link in the Invitation Email you received from Flip during the Promotion Period, which will be marked as a single entry in the Promotion (“Entry”). Only one Entry per person will be accepted; and

b) Reside in Australia.

2.    It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including these Terms and Conditions, which are available at www.flipinsurance.com.au/promo-terms

3.    All Entries become the property of Flip and will not be acknowledged or returned.

TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 1100 AEDT on 23 January 2026 until 0900 AEDT on 30 January 2026 (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
    
   1. Have received an email from Flip inviting them to participate in the Promotion (“Invitation Email”);
   2. Have complied with all of the ‘How to Enter’ requirements (above);
   3. Not be a management committee member of Flip or a person involved in the conduct or marketing of the Promotion; and
   4. Be at least 18 years old.
4. This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 30 January 2026 at 12:00 AEDT.
5. Decisions by Flip, including with respect to any dispute, will be final.
6. There will be 15 winners for this Promotion who will each receive one prize valued at up to $250, as follows:
    
   1. Two single-day Thredbo MTB lift passes.
      Passes are eligible for the Thredbo summer season that runs until 26      April 2026.
 
7. The winners will be notified via email within 48 hours of the draw. The winners will be published on Flip’s website at www.flipinsurance.com.au/promo-terms. The winners will be determined by Flip at its sole discretion (acting reasonably and in accordance with these Terms and Conditions) and no discussion or correspondence will be entered into in this regard.  

The prize should be claimed as soon as possible upon receiving the email notifying of the win, but no later than 26 April 2026 when it expires. Any unclaimed or unused tickets after this time will be forfeited.

●      Privacy: Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions.

●      If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions.  

●     HowFlip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the FlipPrivacy Policy.

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Flip Insurance is issued by HCF Life. Read the PDS and TMD at flipinsurance.com.au and consider whether this product is appropriate for you.

Winners: @aaa_performance_training, @ellipig_me, @rachel_twk, @pilatesbookscoffee_girl, @christieandamanda

HOW TO ENTER:

1. To enter the Spartan Central Coast Competition (“Promotion”), during the Promotion Period (see below), you must:
   a. Tag (@) an account in your comment on the dedicated Flip Insurance Instagram (@flip_insurance) post for this Promotion;
   b. Follow both the Flip Insurance Instagram account (@flip_insurance) and Spartan Race Australia Instagram account (@spartanraceau);
   c. Like and save the dedicated Flip Insurance Instagram post for this Promotion; and
   d. Reside in Australia.
2. It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including these Terms and Conditions, which are available at https://www.flipinsurance.com.au/promo-terms
3. During the Promotion Period, each valid comment that meets the criteria in Clause 1 above underneath the relevant dedicated post for this Promotion will be marked as a single entry in the Promotion (“Entry”). Multiple Entries per person will be accepted. One Entry will be recorded for each comment tagging a unique account in accordance with Clause 1.
4. Provided at least one Entry is received in accordance with Clause 1, you can also make an additional Entry by sharing the post for the Promotion in your story and tagging @flip_insurance and @spartanraceau.

TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 09:00 AEDT on 30 January 2026 until 23:59 AEDT on 2 February 2026 (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
   a. Have followed all of the ‘How to Enter’ instructions in clause 1 above;
   b. Not be a management committee member of Flip or a person involved in the conduct or marketing of the Promotion; and
   c. Be at least 18 years old.
4. This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 3 February 2026 at 10:00 AEDT.
5. Decisions by Flip, including with respect to any dispute, will be final.
6. There will be 5 winners for this Promotion who will each receive one prize valued at up to $450, as follows:
   a. One ticket to any Spartan Central Coast race on 21 February 2026.
7. The total prize pool for this Promotion is valued at up to $2,250.
8. The winners will be notified via Instagram Direct Message within 24 hours of the draw. The winners will be published on Flip’s website at https://www.flipinsurance.com.au/promo-terms. The winners will be determined by Flip at its sole discretion (acting reasonably and in accordance with these Terms and Conditions) and no discussion or correspondence will be entered into in this regard.
9. If you are successful, you must claim your prize as soon as possible but no later than 23:00 AEDT on 20 February 2026 (“Forfeit Date”). Any unclaimed prize will be forfeited after the Forfeit Date.
10. For any query relating to the Promotion, please contact Flip at help@getflip.com.au or on 03 6161 3547.

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Privacy:  Flip collects your personal information that you provide in this form for the purpose of conducting the promotion and providing you with information about Flip products, services and other promotions. 

If you don’t provide your contact details, you won’t be able to enter the Promotion and Flip won’t be able to contact you about its products, services and other promotions.  

How Flip collects, uses, discloses (including overseas) and keeps and secures personal information, how to request access to and correction of your personal information, how to complain about a privacy breach and how this is handled, and how to opt-out of direct marketing, is explained in the Flip Privacy Policy.

Winners: Luke, Stephen, Niraj, Wuising, Nick

HOW TO ENTER:

To enter the Great Ocean &Otway Classic Ride Giveaway (“Promotion”), during the Promotion Period (see below), you must enter your first name and email address at the link provided to you in the Invitation Email youreceived from Flip during the Promotion Period (see below).

1. It is a condition of participating in the Promotion that you agree to all terms of the Promotion, including these Terms and Conditions, which are available at https://www.flipinsurance.com.au/promo-terms
2. During the Promotion Period, each valid Promotion form received through the link in the Invitation Email will be marked as a single entry in the Promotion (“Entry”). Only one Entry per person will be accepted.
3. All Entries become the property of Flip and will not be acknowledged or returned.

TERMS & CONDITIONS

1. This Promotion is conducted by Flip Insurance Pty Ltd, ABN 71 648 680 960 (“Flip”). Get in contact at help@getflip.com.au. The Promotion will run in each State and Territory in Australia, from 0900 AEST on 7 April 2026 until 2359 AEST on 9 April 2026 (“Promotion Period”).
2. Information on ‘How to enter’ also forms part of the terms and conditions of entry. Entry into the Promotion is considered as acceptance of these Terms and Conditions.
3. Entry is open to individuals who meet the following eligibility requirements:
   a. Have received an email from Flip inviting them to participate in the Promotion(“Invitation Email”);
   b. Have submitted their first name and email address via the Promotion form available through the link provided in the Invitation Email during the Promotion Period;
   c. Not be a management committee member of Flip or a person involved in the conduct o rmarketing of the Promotion;
   e. Reside in Australia.

d. Be at least 18 years old;

4. This Promotion is a game of chance and winners who meet the above criteria will be randomly selected by Flip on 10 April 2026 at 10:00 AEST.

5. Therewill be 5 winners for this Promotion who will each receive one prize valued at up to $470, as follows:

a). Two Great Ocean & Otway Classic Ride 2026 tickets, each valid for any one      race of 60km, 145km or 204km on 2 May 2026.

6. The winners will be notified via email within 2 hours of the draw. The winners     will be published on Flip’s website at www.flipinsurance.com.au/promo-terms. The winners will be determined by Flip at its sole discretion (acting reasonably and in accordance with these Terms and Conditions) and no discussion or     correspondence will be entered into in this regard.  

The prize should be claimed as soon as possible upon receiving the email notifying of the win, but no later than 1 May 2026 16:00 AEST when it expires. Any unclaimed or unused tickets after this time will be forfeited.

●      Privacy:  Flip collects your personal information thatyou provide in this form for the purpose of conducting the promotion andproviding you with information about Flip products, services and otherpromotions.

●      If you don’tprovide your contact details, you won’t be able to enter the Promotion and Flipwon’t be able to contact you about its products, services and otherpromotions.  

●     How Flip collects, uses, discloses (includingoverseas) and keeps and secures personal information, how to request access toand correction of your personal information, how to complain about a privacybreach and how this is handled, and how to opt-out of direct marketing, isexplained in the Flip Privacy Policy.

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