^TERMS AND CONDITIONS

1. Information on how to enter and the prize form part of these Terms and Conditions. Participation in this competition is deemed acceptance of these Terms and Conditions.

2. Entry is only open to Australian residents aged 18 years or over with a humm account.

3. Employees (and their immediate families) of the Promoter, and agencies associated with this competition are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or first cousin.

4. Entries into the competition open on 13th August 2026 and close at 11:59pm AEST on 13th September 2026 (“Promotion Period”).

5. A Participating Store is any Simon Curwood Custom Jeweller located in Australia (including the Simon Curwood Custom Jeweller online store) (“Participating Store”).

6. To enter this promotion and receive one (1) entry into the draw, individuals must, during the Promotion Period:

7. Visit https://www.hummloan.com/campaigns/SCJ (or click on a link within a promotional email sent by the Promoter) and register their details online.

8. Make any in-store purchase of $999 or more at a Participating Store using their humm account during the Promotional Period (“Qualifying Transaction”).

9. For clarity, an entrant can register at any time during the Promotion Period. It is the entrant’s responsibility to ensure that their contact details associated with their humm account are up to date.

10. Multiple entries are permitted, subject to the following: (a) only one (1) entry permitted per Qualified Transaction regardless of the amount spent in that Qualifying Transaction in excess of $999; and (b) each entry must be submitted separately and in accordance with entry requirements. Transactions may take up to three (3) days to clear.

11. Any entries associated with any Qualifying Transaction that has been cancelled or refunded during the Promotion Period and up until the time of the draw will be deemed invalid.

12. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process 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 Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.

13. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.

14. Incomplete or indecipherable entries will be deemed invalid.

15. There will be one (1) draw conducted for all entries received during the Promotion Period. The draw will take place at Anisimoff Legal, L3/162 Collins Street, Melbourne VIC 3000 on 29th September 2026 at 11:00am AEST. The Promoter may draw additional reserve entries and record them in order in case an invalid entry or ineligible entrant is drawn. The winner will be notified by telephone and email within seven (7) days of the draw, and their details (first initial, last name and postcode) will be published on https://www.hummloan.com/campaigns/SCJ from 7th October 2026.

16. The Promoter’s decision is final and no correspondence will be entered into.

17. The first valid entry drawn will win one (1) set of 0.60tdw lab diamond studs valued at $1,099.

18. Subject to the unclaimed draw clause, if for any reason the winner does not take the prize by the time stipulated by the Promoter, then that prize will be forfeited.

19. If the prize is unavailable, the Promoter, in its discretion, reserves the right to substitute the prize with a prize to the equal value and/or specification, subject to any written directions from a regulatory authority.

20. Total prize pool value is $1,099.

21. The prize is not transferable or exchangeable and the prize cannot be taken as cash, unless otherwise specified.

22. The prize must be claimed by 5th November 2026 (for the original winner) and 2nd December 2026 (for the winner of the unclaimed prize draw, if any).

23. A draw for the prize, if unclaimed, may take place on 6th November 2026 at the same time and place as the original draw, subject to any directions from a regulatory authority. The winner, if any, will be notified by telephone and email within two (2) business days of the draw and their details (first initial, last name and postcode) will be published at on https://www.hummloan.com/campaigns/SCJ on 13th November 2026.

24. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are the winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this promotion (including any outcome), and promoting any products distributed and/or supplied by the Promoter.

25. 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 the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the promotion, as appropriate.

26. Any cost associated with accessing the promotional website is the entrant’s responsibility and is dependent on the Internet service provider used.

27. The use of any automated entry software or any other mechanical or electronic means that allows an entrant to automatically enter repeatedly is prohibited and will render all entries submitted by that entrant invalid.

28. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion.

29. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by the winner or entrant; or (f) use of a prize.

30. The Promoter collects personal information (“PI”) in order to conduct the promotion and may, for this purpose, disclose such PI to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Entry is conditional on providing this PI. The Promoter will also use and handle PI as set out in its Privacy Policy, which can be viewed at https://www.hummloan.com/privacy-policy . In addition to any use that may be outlined in the Promoter’s Privacy Policy, the Promoter may, for an indefinite period, unless otherwise advised, use the PI for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the entrant. The Privacy Policy also contains information about how entrants may opt out, access, update or correct their PI, how entrants may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose PI to entities outside of Australia.

31. The Promoter is humm provided by Once Credit Pty Limited (ABN 99 112 319 632), of Level 14, 255 Pitt Street, Sydney NSW 2000, telephone 02 8905 2000 (“Promoter”).

*Approval subject to credit assessment criteria. Fees and charges including a $9.95 monthly fee, terms and conditions and minimum purchase amounts apply. Credit provided by Once Credit Pty Limited (ABN 99 112 319 632, Australian Credit Licence No. 386194), a subsidiary of humm group limited.