Harmoney $10,000 Handshake Terms & Conditions

The Harmoney “$10,000 Handshake” is a Promotion where unique URLs are provided to Harmoney Users and Third-Party Marketing partners for the purposes of sharing with Users and family, or their database (respectively). Anyone who uses a unique URL and completes the entry form with their full name, and a valid email address is eligible to go into a draw to win a Prize subject to Terms of Service.

There are two (2) major prizes of NZD$5,000 to be won;

  1. Prize One will go to a randomly selected valid entry;

  2. Prize Two will go to either:

    1. the Harmoney User who referred the winner of Prize One; or

    2. in the event that there is no referring Harmoney User listed against the Prize One winner, or the referrer is a Third Party (e.g. Groupon), Prize Two will go to a randomly selected valid entry from referrals made by the Prize One Winner; or

    3. in the event that there is no valid Prize Two winner this Prize will not be allocated.  

There are five (5) minor prizes to be won for this promotion that consist of NZD$1,000 each, to be awarded to the 5 Harmoney Users who achieve the highest number of Qualified Entries.

The prizes will be drawn at 10:00am on May 2nd, at 308 Parnell Road, Auckland

The "Promoter" is Harmoney Services Limited, 308 Parnell Road, Auckland.

The "Promotional Period" for this Promotion commences April 3rd 2017 at 17:00 (local time in NZ) and concludes on April 30th, 2017 at 23:59 (local time in NZ).

Subject to the restrictions in participation, the Promotion is only open to participants who meet the following eligibility requirements:

  *   who are residents of New Zealand and over the age of 18 years;

  *   and who are Harmoney Users, or Referred Users who sign up through the Entry Form with a valid name and email address.

How to Enter the Draw

Harmoney Users can be eligible to go into the draw if a Referred User clicks on their unique URL to create a valid entry that complies with Harmoney's Terms of Service ("Qualifying Entry").
Referred Users can be eligible to go in the draw by using a valid unique Referrer URL to complete a valid entry that complies with Harmoney’s Terms of Service (“Qualifying Entry”).

By participating in the Promotion, each entrant fully and unconditionally agrees and acknowledges that these Conditions of Entry and the decisions of the Promoter on all matters relating to the Promotion are final and binding.

The winning Referred User and Harmoney User will each receive a $5,000 prize. Harmoney Users can increase their number of Qualifying Entries in the draw by providing their unique link to as many Users as they wish, as every User that uses the unique link and completes the entry form with their full name and a valid email address will be considered a Referred User and earn one (1) Qualified Entry for both themselves and the referring Harmoney User.

Redeeming Referral Rewards

The winners will be notified by email using the contact details provided to the Promoter by the entrants within 24 hours of the draw. The Prize money will be deposited in the winners’ nominated bank accounts.

Sharing Referral Links

Referrals should only be used for personal purposes, and only shared with personal connections that will appreciate receiving these invitations. Referral links should not be used for commercial purposes or published or distributed where there is no reasonable basis for believing that all or most of the recipients are personal Users (such as coupon websites, Reddit, or Wikipedia).

Multiple Referrals

Harmoney Users can earn multiple referrals, provided that all referrals meet the conditions of the promotion outlined herein.


If any provision in these terms are held to be invalid, void, or unenforceable, such provision (or the part of it that is making it invalid, void or unenforceable) will be struck out and not affect the validity of and enforceability of the remaining provisions.

Termination and Change

Harmoney may suspend or terminate the Referral Program or a Harmoney Customer’s ability to participate in the Referral Program at any time if it deems any activity to be abusive or fraudulent. It also reserves the right to review and investigate all referral activities or modify referrals as deemed fair and appropriate.

Any cancellation or modification to the Promotion will be notified on the Promoter’s website: www.harmoney.co.nz

Should the prize remain unclaimed by a winner or the winner cannot be contacted, an unclaimed prize draw will take place at 10:00am on May 9th 2017 at 308, Parnell Road, Auckland, subject to applicable laws and regulations.

Updates to the Terms

Harmoney can update these terms at any time without prior notice. If we modify these terms, we will post the modification on the Harmoney.com website, applications, or services, which are effective upon posting.

Restrictions to Participation

Employees of Harmoney or Harmoney's associated agencies or companies directly involved in the Referral Programme (as determined by Harmoney) and their immediate family members are ineligible to participate.


Harmoney and its associated companies and their respective directors, officers, employees and agents, shall not be liable for any loss in connection with the Qualifying Entrant’s participation in the Referral Programme or the receipt or use of any part of the Referral Reward, except for any loss which is due to the negligence or wilful misconduct of Harmoney or which otherwise cannot be excluded by law.

Nothing in these Conditions of Entry is intended to restrict or limit any rights you may have under the Consumer Guarantees Act or any other applicable consumer protection laws. Except for warranties and conditions implied by law which cannot be excluded, the Promoter makes no representations or warranties, express or implied, regarding the quality or suitability of any goods purchased by the winner under these Conditions of Entry.

Except where prohibited by law, participation in the Promotion constitutes a prize-winner's consent to the Promoter’s use of the prize-winner's name, likeness, opinions and address for: (1) any future promotional, marketing and publicity purposes in any media worldwide, without further payment or consideration or notice; and (2) any disclosure of such information by the Promoter required by law, and it is a condition of entry that in order to claim the prize, prize-winners must agree to execute any necessary consents and releases to effect the foregoing.

Harmoney accepts no responsibility for any tax implications that may arise from the Referral Reward or the use the Referral Reward. It is the responsibility of each winning entrant to seek independent advice on the possible implications this may have on their own financial situation.


Information collected pursuant to the Referral Programme from entrants is subject to Harmoney's Privacy Policy, and will be handled in accordance with all applicable laws in New Zealand.

Referred Users may access, and request correction of, their personal information held by Harmoney by contacting privacy@harmoney.co.nz.

Governing Jurisdiction

These Conditions of Entry shall be governed by the laws of New Zealand and each participant agrees to submit to the non-exclusive jurisdiction of the courts of New Zealand.

Harmoney Limited (FSP 373486) is licensed to provide a peer to peer lending service under Part 6 of the Financial Markets Conduct Act 2013. The conditions of the licence imposed by the Financial Markets Authority are published on www.fspr.govt.nz.