Terms and Conditions of the 2024 Fresh Start campaign

1. 1. General Information and Campaign

   1. 1.1. The Campaign "2024 Fresh Start" (hereinafter the "Campaign") is organized by Bondora AS, registry code 11483929, located at A.H. Tammsaare tee 56, 11316 Tallinn (hereinafter "Bondora").
   2. 1.2. The following prize (hereinafter the "Prize") will be drawn between the participants who meet these Terms and Conditions for Participating the Campaign (hereinafter the "Participant") within the framework of the Campaign:
      1. 1.2.1. one Bondora loan per Participant will be paid off by Bondora in full or partially (depending on the balance of the loan). This will occur after seven (7) days when the winner is announced on the 15th of January (hereinafter the "Prize"). The maximum loan sum paid by Bondora is 10 000 euros:
         1. 1.2.1.1. If the balance of the loan exceeds 10 000 euros, the loan will be paid off partially in the sum of 10 000 euros.
         2. 1.2.1.2. if the balance of the loan is less than 10 000 euros, then the loan will be paid off fully in the sum of the loan balance, and Bondora will have no further obligations.
   3. 1.3. If a Participant has several Bondora loans, and should the Participant win the Prize, the Participant's Bondora loan with the largest principal balance at the time of the draw will be paid off as part of the Campaign in accordance with the specifications outlined in clauses 1.2.1.1 and 1.2.1.2.
   4. 1.4. The Campaign will run from 8.01.2024 to 14.01.2024 (hereinafter the "Campaign Period").

2. 2. Terms and Conditions for Participating in the Campaign

   1. 2.1. The Campaign will automatically include all natural persons who:
      1. 2.1.1 have applied for a loan offer between 08.01.2024 to 14.01.2024; and
      2. 2.1.2. have an active loan agreement with Bondora; and
      3. 2.1.3. have a valid Bondora account during the Campaign Period and at the time of the Prize draw.
   2. 2.2. Employees of Bondora (including Bondora Group of companies) or their family members may not participate in the Campaign.

3. 3. Prize Draw

   1. 3.1. Bondora will randomly draw the winner (hereinafter the Winner) from among the Participants as follows:
      1. 3.1.1. The Prize will be drawn on 15.01.2024.
   2. 3.2. Bondora will personally contact the Winner via their email address no later than seven (7) days after the Prize Draw.
   3. 3.3. One Bondora Loan of the Prize Winner will be paid off (i.e., deemed repaid) no later than seven (7) days after the Prize Draw.
   4. 3.4. If the Winner has violated the terms and conditions of the Campaign, provided false information to Bondora, or the Winner does not otherwise comply with the Bondora Terms of Use, Bondora may decide to draw a new Winner. In such cases, Bondora will not be liable for the initial Winner's Prize draw or for not receiving the Prize.

4. 4. Processing of Personal Data

   1. 4.1. The Participant acknowledges and agrees that by participating in the Campaign the personal data of the Participant will be processed in accordance with Bondora's Privacy Policy.

5. 5. Miscellaneous

   1. 5.1. The procedure for conducting the Campaign is established in these Terms and Conditions, which are mandatory for all Participants in the Campaign to follow.
   2. 5.2. Bondora has the right to amend the Terms and Conditions of the Campaign or to terminate the Campaign prematurely for a good reason. Bondora informs the public about the above-mentioned circumstances via the website www.bondora.ee / www.bondora.fi / www.bondora.es.
   3. 5.3. If there are questions related to the Campaign, including possible complaints, the Campaign Participant may contact Bondora by using the contact details provided in Clause 1.1 of these Terms and Conditions or via Bondora's FAQ page.
   4. 5.4. All disputes arising from the Campaign will be resolved according to the Republic of Estonia's legislation in Harju County Court.
   5. 5.5. The campaign is not a commercial lottery. Participants in the campaign are Bondora customers, and participating in the campaign does not require purchasing additional services or taking on further obligations.