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Happy Taps Promotion Terms and Conditions.

Promoter
- The Happy Taps Promotion (Promotion) is promoted by Westpac New Zealand Limited (Westpac). Participation in the Promotion constitutes acceptance of these Terms and Conditions.
Promotion Period
- The Promotion starts at 12:00 am NZST on 17 August 2026 and ends at 11:59pm NZST on 30 September 2026 (Promotion Period).
Eligibility
- To be eligible for the Promotion, you must:
  - Be aged 18 years or older.
  - Be a current holder of an Eligible Card.
  - Make an Eligible Transaction during the Promotion period.
  - Ordinarily reside in New Zealand.
  - Comply with these Terms and Conditions.
Eligible Cards
- Eligible Cards are
  - Westpac Debit Mastercard®
  - Airpoints™ Debit Mastercard®
  - Fee Free Mastercard®
  - hotpoints® Mastercard®
  - hotpoints® Platinum Mastercard®
  - hotpoints® World Mastercard®
  - Airpoints™ Mastercard®
  - Airpoints™ Platinum Mastercard®
  - Airpoints™ World Mastercard®
  - BusinessPlus Mastercard®
  - Airpoints™ Business Mastercard®
Eligible Transactions
- An Eligible Transaction is a purchase transaction made using an Eligible Card during the Promotion Period by
  - Contactless Tap & Go payment;
  - Apple Pay®;
  - Google Pay™; or
  - Online card payment
- Domestic and overseas personal and business purchases are eligible, provided they meet the requirements of an Eligible Transaction.
- There is no minimum transaction value required, merchant fees may apply.
Excluded Transactions
- The following transactions are not Eligible Transactions and will not earn an entry:
  - ATM withdrawals.
  - Cash withdrawals.
  - EFTPOS transactions.
  - EFTPOS cash-out transactions.
  - Gambling transactions.
  - Purchases of gambling chips.
  - Money orders.
  - Travellers' cheques.
  - Foreign currency purchases in cash.
  - Tax payments, including local authority rates and ACC levies.
  - Interest charges.
  - Fees and charges.
  - Balance transfers.
  - Credit card repayment insurance transactions.
  - Any transaction that is reversed, refunded or charged back.
  - Any other transaction determined by Westpac, acting reasonably, not to be a genuine purchase.
How to Enter
- No registration or opt-in is required.
- Each Eligible Transaction automatically earns one entry into the prize draw for the day on which the transaction was made.
- The more Eligible Transactions made during the Promotion Period, the more entries received.
- Each Eligible Transaction will only be eligible for the prize draw relating to the day that transaction occurred.
Prize Pool
- There are 10,080 prizes available to be won during the Promotion Period, with a total prize pool value of $226,350.
- For each day of the Promotion Period, the following prizes are available:
  - 1 x $1000 prize
  - 20 x $100 prizes
  - 203 x $10 prizes
    will be available to be won.
- A total of 224 prizes are available to be won each day during the Promotion Period.
Prize Draws
- All Eligible Transactions made on a particular day during the Promotion Period will be entered into that day's prize draw only.
- Because Eligible Transactions require processing time, prize draws will generally occur several days after the day on which the relevant transaction was made.
- Random prize draws will commence from 24 August 2026 and will generally be conducted on business days. Each draw will relate to Eligible Transactions made on a particular day during the Promotion Period. If a draw cannot be conducted as scheduled, including due to weekends, public holidays, data availability or technical reasons, it will be conducted as soon as reasonably practicable.
- Eligible Transactions are not carried forward into subsequent prize draws.
- In each daily prize draw, 224 winning transactions will be randomly selected from all Eligible Transactions entered into that draw.
- Once the winning transactions have been selected, the available prize values for that day will be randomly allocated among those winning transactions.
- Each winning transaction may receive one prize only.
Maximum Prizes Per Customer
- Each Eligible Transaction will generate one entry into the relevant daily prize draw.
- Customers may receive multiple entries through multiple Eligible Transactions.
- If more than one Eligible Transaction belonging to the same customer is selected in a daily prize draw, only the first selected transaction will receive a prize. Westpac will redraw replacement winning transactions until all available prizes for that draw have been allocated.
- However, customers may win prizes on multiple days during the Promotion Period if they have Eligible Transactions that are selected as winning transactions in the corresponding daily prize draws.
Additional Cardholders
- Where an Eligible Transaction is made using an additional cardholder's card, the primary cardholder will be treated as the entrant and winner for the purposes of the Promotion. Any prize will be credited to the applicable account and all winner notifications will be sent to the primary cardholder using the contact details held by Westpac.
Winner Notification
- Winners will be notified within 10 working days of the relevant draw via:
  - Westpac One notification;
  - Email; or
  - Any other contact method held by Westpac.
- Only winning customers will be contacted.
Prize Payment
- For debit card transactions, prizes will be credited to the eligible transaction account linked to the card.
- For credit card transactions, prizes will be credited to the eligible credit card account. A prize credited to a credit card account will reduce the account balance but will not count towards any minimum payment due. You must still make the minimum payment shown on your statement.
- Accounts and cards must remain open and not be blocked, suspended, restricted or in default at the time the prize is allocated.
- If an account or card has been closed, Westpac may redraw an alternative winner.
- Prizes will be credited within 10 working days of the prize draw.
Unclaimed or Declined Prizes
- If a winner declines a prize or cannot receive a prize due to ineligibility, Westpac may redraw a replacement winner from the relevant day's Eligible Transactions.
Disqualification
- Westpac may disqualify any entrant who:
  - Tampers with the Promotion process.
  - Breaches these Terms and Conditions.
  - Provides false or misleading information.
  - Engages in conduct that may compromise the fair conduct of the Promotion.

Westpac may, acting reasonably, exclude any entrant or entry where there are grounds for doing so.

Changes to the Promotion
- Westpac may suspend, modify, extend or cancel the Promotion where reasonably necessary due to:
  - legal or regulatory requirements;
  - fraud or suspected fraud;
  - technical failures;
  - system outages; or
  - events beyond Westpac's reasonable control.
- Any change will be communicated at westpac.co.nz and will not unfairly disadvantage entrants who have already qualified for entry where reasonably possible.
Tax
- Winners are responsible for obtaining their own independent tax advice regarding any tax consequences arising from acceptance of a prize. Westpac accepts no responsibility for any tax implications associated with a prize.
Liability
- To the maximum extent permitted by law, Westpac excludes all liability for any loss, damage, cost or expense arising from participation in the Promotion or acceptance of a prize.
- Nothing in these Terms and Conditions limits any rights available under applicable consumer protection legislation.
Privacy
- Westpac will collect, hold and use personal information in accordance with its Privacy Statement, available at westpac.co.nz.
- Personal information may be used for the administration of this Promotion and prize fulfilment.
Other
- Mastercard® is a registered trademark and the circles design is a trademark of Mastercard® International Incorporated.