AP Marketing Australia Pty Ltd guarantees that this competition is carried out and that information is collected under the rules of the Privacy Act (1988). The competition is a game of skill in which chance plays no part in determining the winners. Participation is free of charge. After entry into the competition draw, users are presented with a questionnaire and promotional offers from third party advertisers. Completing the questionnaire is not a requirement for entry into the competition, although users acknowledge and give indefinite consent to their email address and other contact information supplied being provided to third party advertisers, some of whom may be located overseas, upon entry. We do receive marketing fees from organisations placing offers in our questionnaires including financial institutions. You should always read their terms and conditions and any product disclosure statement. AP Marketing Australia Pty Ltd and the www.onlinetester-au.com website is not affiliated with, sponsored by or endorsed by any of the companies associated with the prizes.