Kochie’s Business Builder and American Express competition terms and conditions

- January 1, 2020 6 MIN READ


By submitting a digital entry and entering the ‘KBB and American Express’ online competition, you agree to the following terms and conditions:

Competition description
Kochie’s Business Builders and American Express are the promoters of this online competition. The competition invites small business owners to submit a digital entry using the form provided and enter into a random computer-generated draw for a chance to win  $5000*.

In some instances, Kochie’s Business Builders receives a commission or benefit for referring you to the services of a credit provider. This commission or benefit is disclosed at the point of referral to the credit provider. This website does not provide credit, assist you in obtaining credit, or advise you to apply for any particular product from a provider.

We have not taken into consideration your personal circumstances or financial situation when providing the information on this website. It is important you read the relevant PDS from the product issuer and seek the independent advice of an appropriately qualified professional before making a decision on a product.

While we invest a great deal of time and energy into ensuring we provide with you with the most up to date and accurate information, we do not warrant the accuracy of statements or information contained on the Website relating to third party goods and services, including credit card information, loyalty schemes and rewards. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability arising from any person acting on those statements or information to the fullest extent permitted by law. Where conditions or warranties are implied by law and cannot be excluded, our liability will be limited to the re-supply of information. You should confirm the accuracy of information provided on this Website with the third party product provider before acting on it.

*Eligibility criteria for participation

Entry is only open to residents of Victoria, New South Wales, Queensland, Western Australia, Tasmania, South Australia and Northern Territory.
Entrants must be Australian small business owners or work within a small business and able to provide an Australian Business Number (ABN) to be eligible for the prize
Entrants must provide their email address to sign up for the Kochie’s Business Builders enewsletter
Entrants must submit their entry online through competition form

Single entry: Entrants must request a call back from an American Express representative

5 entries: Entrants must complete an online credit card application form for American Express and submit their card application number to the Kochie’s Business Builders website link supplied through email.

‘KBB’ is an online competition. By entering this competition, you will automatically be subscribed to the free Kochie’s Business Builder newsletter. You may unsubscribe at any time. Our privacy policy can be found on our site. The winner will be notified by email. Please ensure details provided are correct.

Kochie’s Business Builders is not responsible for any electronic transmission errors resulting in the omission, interruption, deletion, defect or delay in operations or transmission.

Only digital submissions will be accepted.

Promotional period
Start date of the competition: 1/03/21 at 00:01 am (AEST)
End date of the competition: 31/03/21 at 12:00 pm (AEST)

Online entries must be received by 12:00pm (AEST) on 31st March 2021.

No late entries will be considered and/or accepted. Entries are deemed to be received at the time of receipt by the Promoter and not at the time of transmission or deposit by the entrant. Records of the Promoter and its agencies are final and conclusive as to the time of receipt.

All text submissions must be in English.

Valid entries must:

contain no material that could in any circumstances be considered a breach of any form of small business laws
be legible and understandable
demonstrate that the participants are serious and have made an effort
be politically correct and not insulting to any group or race, and
fulfil all of the requirements contained in this document

Rights and permissions
Entrants must hold all the necessary rights and permissions relating to the content submitted in this competition and guarantee that there is nothing to prevent their participation in the ‘KBB’ online competition and the use of their entries by the Promoter in accordance with the provisions of these terms and conditions.

Entrants must declare that their entries do not violate any law and that their entry can therefore be freely distributed by the Promoter in relation to the ‘KBB’ competition.

Entrants must declare that they are in possession of all the necessary approvals for any person involved directly or indirectly in the production of competition entries.

The Promoter will not be held responsible for any failure on part of the entrant to comply with this clause.

Intellectual property
Entrants grant Kochie’s Business Builders an unrestricted, royalty-free, worldwide, perpetual, irrevocable, non-exclusive licence to use, modify and or adapt the response submitted in the entry, and the entry itself for any communication campaigns Kochie’s Business Builders deems appropriate, which may include media, case studies, social media, feature articles and other forms.

Kochie’s Business Builders will credit entrants wherever their entry is used. A copy of the entries will become part of Kochie’s Business Builders’ archive.

Change to, or cancellation of, the competition
In the event of force majeure or if circumstances so dictate, Kochie’s Business Builders reserves the right to change end dates, suspend, postpone or cancel the competition at any time and without prior notice; in this event, entrants will not be entitled to claim compensation in any form.

Acceptance of the rules
Participating in the ‘KBB and American Express’ online competition implies full acceptance and observance of its rules outlined in these terms and conditions and any amendments and addenda to these terms and conditions that are notified at

Evaluation and selection of winner
The winner of the competition will be randomly selected from a pool of all eligible entries.

The prize is:There is one prize only of  $5000.

No further compensation will be paid in connection with the use of entries. Prizes are not transferable. There will be no prize substitutions other than those provided for in these terms and conditions. There will be no cash redemption.

Prizes will be awarded to the person  named in the entry.

If, for any reason, prizes cannot be awarded as stated in these terms and conditions, Kochie’s Business Builders reserves the right to substitute prizes of equal or lesser value.

Notification of winner
The winner will receive an electronic message with the results of the competition.

No further correspondence will be entered into with entrants.

Personal information
Kochie’s Business Builders collects personal information (personal name, email address, address, phone number) only as part of the entry in order to conduct the competition.

By submitting an entry, entrants agree that Kochie’s Business Builders may, for an indefinite period, unless otherwise advised, use the personal information collected from the entry for promotional, marketing and publicity purposes for the competition, for internet posts and/or for future communication activities by Kochie’s Business Builders.

Kochie’s Business Builders will not disclose your personal information outside Kochie’s Business Builders unless it relates to law enforcement activities, an exception under the Privacy Act 1988 (Cth) applies, or it is required or authorised by another Australian law.

Waiver of confidentiality and consent to public disclosure
The ‘KBB’ online competition is a matter of public record. If any entrant submits any confidential business information or personal information pertaining to themselves or their company, that person thereby waives any claims to confidentiality and thereby consents to public disclosure by Kochie’s Business Builders of their personal and business information, including posting on the Internet, of all such information they submit and its use for future communication activities. Kochie’s Business Builders accepts no responsibility for the disclosure of confidential information made in these terms and conditions.


By participating in the ‘KBB And American Express’ online competition, you declare that you have read and accepted the ‘Entrant Declaration’ below in its entirety:

I declare I have read and accepted the terms and conditions of participation as outlined in these terms and conditions in the ‘KBB and American Express’ online competition and have all the necessary permissions and rights for the submission of the information contained in my competition entry. I waive any claims to confidentiality and I consent to public disclosure by Kochie’s Business Builders of all such information including my personal information, which may be posted on the Internet and/or used for future communication activities by Kochie’s Business Builders.

I understand that information, once posted online may be accessed worldwide and Kochie’s Business Builders will not be responsible for any subsequent use or disclosure of that information.

I further agree to indemnify and hold Kochie’s Business Builders, its officers, employees and agents harmless from any and all claims, liability, loss and loss of benefits, costs and expenses, wilful negligence, misconduct, acts or omissions, actions, causes of action, debts, claims and demands of any kind and nature whatsoever that I currently have or that may arise out of, or in connection with, or indirect or consequential with, my participation in the ‘KBB’ online competition. This indemnity will survive the term of the competition and will remain in perpetuity.

I grant Kochie’s Business Builders a licence in accordance with clause 9 of these terms and conditions to use, modify and/or adapt the idea submitted in the entry, and the entry itself.

My participation in the competition will not violate or breach any applicable laws.

See Kochie’s Business Builders privacy policy here.

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