State Renters $100 digital Visa promotion

1. The State Renters $100 digital Visa promotion (“Promotion”) is conducted by State, a business division of IAG New Zealand Limited (“IAG”), NZI Centre, 1 Fanshawe Street, Auckland 1010. The following terms and conditions apply to the Promotion.
   
   
2. By participating in the Promotion, participants agree to be bound by these terms and conditions.
   
   
3. The Promotion commences on 1 November 2025 and ends at 11.59pm on 31 March 2026 (“Promotion Period”).
   
   
4. The Promotion is open to residents of New Zealand who are 18 years of age or over as the start of the Promotion Period. Employees of IAG and their immediate families are ineligible to participate in the Promotion. 

5. State is offering eligible participants that meet the criteria set out in these terms and conditions a $100 digital Visa card (“Reward”).

6. To be eligible for a Reward:

a) Participants must have purchased a new State Contents Comprehensive policy (“Qualifying Policy”) in their own name with a start date within the Promotion Period. For the avoidance of doubt: 

(i) Renewing, amending, upgrading, downgrading, adjusting or reinstating an existing policy, and replacements (cancelling an existing policy and then repurchasing a policy for the same asset within 6 months of cancellation), do not qualify for this Promotion;

(ii) If a participant takes out multiple Qualifying Policies, each Qualifying Policy will be eligible for a Reward; and

b) Participants must have made the first payment for the Qualifying Policy by the due date as specified in the policy documents, State must have received that payment and the participant’s 15-day cooling off period must have passed; and

c) the Qualifying Policy must be current at the time the Reward is sent to the participant. Policies will not be current where they:

(i) have been cancelled,

(ii) become void; or 

(iii) where State has received notice to cancel the relevant policy.

7. This Promotion offer is not available in conjunction with any other promotion or discount offered by IAG. For example, if State has awarded a digital Visa or Prezzy® card for the same Qualifying Policy under any other promotion, the participant is not eligible for a Reward.
   
   
8. Subject to clause 6 and 7 above, State will use reasonable endeavours to email the Reward to the primary email address for the Qualifying Policy within 30 days of the policy start date of the Qualifying Policy (or such later date as is required by State). For the avoidance of doubt, State will not be obliged to send any Reward to any person until the eligibility terms and conditions have been met, including receipt of the first payment of the Qualifying Policy’s premium.
   
   
9. By purchasing a Qualifying Policy, participants agree to receive the Reward by email to the primary email address on the Qualifying Policy. If State receives notification of failed delivery to the email address, State will use reasonable endeavours to send the Reward to the alternative email address provided (if any).
   
   
10. State will not be liable to any person if the Reward cannot be found, or if the Reward is lost, stolen or goes missing, after the Reward is sent to the email provided, including failure to supply a correct email address.

11. State will not be required to provide any person with a Reward where, in State's sole discretion:
    a) that person is not (or is no longer) eligible; or
    b) State is unable to send the Reward after using reasonable endeavours.
    
    
12. The Reward is the sole responsibility of the recipient. The Reward is not transferable (for example a digital gift card cannot be exchanged for a physical gift card), refundable and cannot be exchanged for cash.
    
    
13. Digital Visa card terms and conditions apply to the use of the Reward, please see https://digitalcard.state.co.nz/terms-&-conditionsmain
    
    
14. Digital Visa card wallet terms apply to the use of the Reward, please see https://digitalcard.state.co.nz/WalletTerms
    
    
15. The digital Visa card is issued by Oxygen Global NZ Ltd.

16. The Promotion is not an offer of insurance and availability of insurance cover is subject to State approval, including meeting our underwriting criteria. State insurance policy terms, conditions, and exclusions apply.
    
    
17. State, at its sole discretion, reserves the right to discontinue, extend or amend the Promotion at any time. State will only do this where it considers it is reasonable to do so.
    
    
18. In the event that a reward becomes unavailable for reasons beyond State’s control, State may substitute a reward of equal or greater value.
    
    
19. State’s decision on any matter regarding the Promotion will be final and no correspondence will be entered into.
    
    
20. Subject to any obligation under law, such as the Consumer Guarantees Act 1993 or the Fair Trading Act 1986, State and its related bodies corporate will not be liable for any loss, damage or injury suffered or sustained (including but not limited to direct or consequential loss or loss arising from negligence) arising directly or indirectly out of or in connection with the Promotion or any Reward.
    
    
21. State takes no responsibility for any human error, technical malfunctions, lost or delayed data transmission, computer or network failure, or any other interruption that may affect the conduct of the Promotion.
    
    
22. You; (a) fully release and hold Meta harmless from liability, and (b) acknowledge that the promotion is in no way sponsored, endorsed, administered by or associated with Meta.