Terms and Conditions of the Christmas Campaign 2022

1. 1. General Information and Campaign

   1. 1.1. The Campaign "Christmas Campaign 2022" (hereinafter the "Campaign") is organized by Bondora AS, registry code 11483929, located at A.H. Tammsaare tee 47, 11316 Tallinn (hereinafter "Bondora").
   2. 1.2. The following prizes (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) every week (hereinafter the "Weekly Prize"). Maximum loan sum paid by Bondora is 10 000 euros. If the balance of the loan exceeds 10 000 euros, the loan will be paid off partially in the sum of 10 000 euros
   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.
   4. 1.4. The Campaign will run from 13.12.2022 to 09.01.2023 (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 an active loan agreement with Bondora; and
      2. 2.1.2. 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 winners (hereinafter the Winner) from among the Participants as follows:
      1. 3.1.1. The Weekly Prize will be drawn every Monday. The first will be drawn on 19.12.2022;
   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 Weekly 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. Bondora may also decide to draw a new Winner if the Winner cannot be reached within seven (7) days after the Prize draw. 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.