The terms and conditions (“Terms”) for the Promotion are set out below. Please take the time to read the Terms as they contain important information about the Promotion including eligibility criteria and key dates.

TERMS AND CONDITIONS

1. Participation in the Promotion is deemed acceptance of these Terms.
2. The promoter is AIA Services New Zealand Limited of 74 Taharoto Road, Takapuna, Auckland 0622, New Zealand (“AIA”).
3. To be eligible for the Promotion, the customer must meet the following criteria (“Eligibility Criteria”):
   1. Submit an application to AIA for a new Eligible Policy (as specified in section 5 below) with a retail AIA Vitality membership attached between 12:01am 1 April 2025 and 11:59pm 30 June 2025 (“Submission Period”); and
   2. The resulting policy/policies must be issued by AIA before 11:59pm 31 July 2025 (“Issuance Cutoff”); and
   3. The AIA Vitality membership must be activated, by downloading and signing into the AIA Vitality app within six (6) weeks of the date the AIA Vitality enrolment email is sent (“Activation Period”).
4. Where there is more than one life assured under an Eligible Policy, each life assured with AIA Vitality attached to an Eligible Policy during the Submission Period, who activates their membership during the Activation Period will be eligible to receive the Promotion (a “customer” for the purposes of this Promotion).
5. For the purposes of this Promotion, Eligible Policies are:
   1. AIA Living – Personal
   2. AIA Living – Business
   3. AIA Private Health
   4. AIA Private Health Plus
   5. AIA Cancer Care
   6. AIA Start-Up Income Protection
   7. Standalone Top Ups issued on policies described in a) to g) are considered an eligible policy for the purpose of this Promotion where there is a minimum $15 per month premium;
   All other AIA policies are excluded from this Promotion.
6. For the avoidance of doubt, the following are excluded from eligibility for the Promotion (“Exclusions”):
   1. applications for:
      1. replacement of an existing policy or benefit;
      2. AIA Starter Plans; or
      3. any ASB branded insurance products;
   2. existing:
      1. AIA Vitality members; or
      2. AIA Vitality Starter members; or
      3. AIA Vitality members with a complimentary membership (such as those provided as a staff benefit);
   3. customers who do not complete the relevant actions specified in section 3 within the applicable Submission Period, Issuance Cutoff, or Activation Period. The time periods specified in section 3 are strict and no concessions will be made; and
   4. applications to attach an AIA Vitality membership not submitted at the same time as the application for an Eligible Policy;
7. Each customer meeting the Eligibility Criteria will receive one (1) Garmin voucher with the following terms (“Voucher Criteria”):
   1. valued at $250 NZ Dollars;
   2. expiring 31 October 2025;
   3. Single use on one item only. Any unused value/balance on the $250 voucher will be forfeited;
   4. to be redeemed online through the NZ Garmin website or via the AIA Vitality app portal only;
   5. only redeemable on smartwatch wearables;
   6. is not transferable, exchangeable nor redeemable for cash;
   7. can be used in conjunction with AIA Vitality Member 25% Garmin discount if purchased through the AIA Vitality App portal, or in conjunction with any other sale on smartwatch wearables on Garmin’s NZ website at the time;
   8. any other relevant Garmin voucher terms specified by Garmin or AIA including how it should be redeemed; and
   9. any issues relating to the Garmin voucher or Garmin product availability to be resolved directly with Garmin.
8. The Garmin voucher will be emailed to the eligible customer within 10 Business Days of activation of their AIA Vitality Membership using the email address provided to AIA for their AIA Vitality membership (which may differ from the one used for their policy administration). AIA does not accept any liability for non-receipt of the Offer.
9. AIA reserves the right to exclude customers from the Promotion in situations where they have not met the Eligibility Criteria set out in these Terms.
10. The availability of insurance cover is subject to the customer’s application being approved. All applications are subject to individual consideration and normal underwriting criteria. Special conditions, exclusions or premium loadings may apply. An excess may apply for health insurance policies. For full details, refer to the relevant policy document. AIA accepts no responsibility for any delay in the underwriting or assessment of any application.
11. AIA reserves the right, in its sole discretion, to exclude any customer who it has reason to believe has breached any of these Terms, tampered with the Eligibility Criteria or engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the promotion. Errors and omissions may be accepted at the AIA’s discretion.
12. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of AIA, including but not limited to technical difficulties, unauthorised intervention or fraud, AIA reserves the right, in its sole discretion, to the fullest extent permitted by law to modify, suspend, terminate or cancel the promotion or these Terms, as appropriate by posting updated Terms and Conditions at www.aia.co.nz.
13. Garmin is not a participant in or sponsor of this Campaign.
14. AIA may, at its sole discretion, choose to substitute the Garmin Voucher for another similar voucher, or vary the Voucher Criteria, at any time and for any reason.
15. To the maximum extent permitted by New Zealand law, AIA or any of its respective directors, employees, and/or agents shall not be liable for any claim, loss, damage, cost, expense or personal injury suffered, sustained or incurred (including but not limited to indirect or consequential losses) as a result of arising out of, or in any way in connection with the Promotion.
16. The collection, use and disclosure of personal information provided in connection with this Promotion is governed by New Zealand law. Customer’s personal information shall not be provided to any third parties without prior consent, but by agreeing to these Terms, customer’s authorise AIA to contact them with information pertaining to the promotion. All personal information will be held in accordance with AIA’s current Privacy Statement which is available a aia.co.nz/privacy.
17. This Promotion and these Terms are governed by New Zealand law and shall be subject to the non-exclusive jurisdiction of the courts of New Zealand. 
18. All questions regarding eligibility for the Promotion and these Terms, or any dispute arising in connection with the Promotion should be addressed to AIA for resolution. Any decision made by AIA in relation to the Promotion (including in relation to any dispute) is final, and no correspondence will be entered into. Failure by AIA to enforce any of its rights does not constitute waiver of those rights.