1. The prize draw is open to all UK homeowners aged 55 years or over with a property worth at least £70,000, except employees of the Promoter, their families, agents or any third party directly associated with administration of the prize draw.

  2. The prize draw is free to enter and no purchase is necessary. To enter, simply complete the online equity release calculator, including a valid email address and telephone number so that we can contact you should you win.

  3. Only one entry per household is permitted.

  4. The opening date for entries is 27 March 2019. One customer will be chosen at random after the closing date. The winner will be drawn on 30 May 2019. 

  5. If for any reason a technical interruption, fault or site failure occurs when entering online, the Promoter does not take any responsibility for incomplete entries and any incomplete entries will not be considered valid for entry into the prize draw. The Promoter accepts no responsibility for any entries which are not completed for any reason.

  6. The winner will receive John Lewis gift cards in £50 denominations to the value of £250.

  7. The winner will be notified by email or telephone (using details provided at entry) and must provide a postal address to claim their prize. If the winner does not respond to the Promoter within 5 days of being notified by the Promoter, then the winner's prize will be forfeited and the Promoter will be entitled to select another winner in accordance with the process described above.

  8. The prize will be sent to the winner by post within 30 days of being notified of their win.

  9. The prize is non-exchangeable, non-transferable and no cash alternative is offered.

  10. The prize is supplied by Saga Personal Finance Limited (“SPF”). Registered Address: Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE. Registered in England No.3023493. The Promoter reserves the right to replace the prizes with an alternative of equal or higher value if circumstances beyond the Promoter’s control make it necessary to do so.

  11. The decision of the Promoter regarding any aspect of the prize draw is final and binding and no correspondence will be entered into.

  12. Participants are deemed to have accepted and agreed to be bound by these terms and conditions upon entry. The Promoter reserves the right to refuse entry, or refuse to award the prize to anyone in breach of these terms and conditions.

  13. The Promoter reserves the right to hold void, cancel, suspend, or amend the promotion where it becomes necessary to do so.

  14. Insofar as is permitted by law, Saga, its agents or distributors will not in any circumstances be responsible or liable to compensate the winners or accept any liability for any loss, damage, personal injury or death occurring as a result of taking up the prize except where it is caused by the negligence of Saga, its agents or distributors or that of their employees. Your statutory rights are not affected.

  15. The prize draw will be governed by English law and entrants to the prize draw submit to the jurisdiction of the English courts.