Prize Draw: Keep your spending in the green!

Yolt and The Grinch have teamed up to keep your Christmas spending in the green! Enter our free prize draw and tell us how you're keeping your spending in the green this festive season for a chance to see the whole sky go green on a trip for two to Finland! Find out how to enter below...

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To enter the free prize draw (no purchase necessary) just follow these steps:

1. Like this Instagram post

2. Tell us how you're 'keeping your spending in the green this Christmas' in the post comments

3. Follow @getyolt on Instagram

That's it - Get started here!

Over 18s in the UK only – one entry for each participant. You must be an Instagram User. The start date for the free festive prize draw (No purchase necessary) is 15 November 2018 and it closes on 28 November 2018 at 23:59 PM. That’s it – we’ll announce the winner on 3 December 2018! The promoter is Yolt, a start up by ING Bank NV, at 8-10 Moorgate, EC2R 6DA, London, UK. Full Ts&Cs below...

More on that prize...

Benedict Cumberbatch stars as everyone’s favourite green recluse in Illumination's all-new animated take on the classic Christmas story, THE GRINCH! To celebrate the return of Dr. Seuss’ famous festive fiend, we’re whisking one lucky winner away to a real-life Whoville in Finland! Touchdown in the heart of Finnish Lapland and feel your heart grow three sizes as you visit a famous Christmas village where the holidays are celebrated all year round in true Who style, then check in for a three-night stay in an awesome Whoville house! Next, swap sleighs for snowmobiles and speed across the spectacular winter landscape on an adrenaline-filled tour to a reindeer farm and husky park! Finally, head out into the wilderness and watch the sky turn Grinch-green on a once-in-a-lifetime adventure to find the Northern Lights! Three nights of incredible accommodation in the world’s most iconic Christmas village completes this once-in-a-lifetime trip, with THE GRINCH!

Prize Description:

PRIZE PACKAGE INCLUSIONS FOR 2 ADULTS:

• Flights: Return flights from major international airports in London, Manchester, Birmingham or Edinburgh to Rovaniemi, Finland

• Transfers: Return airport transfers in Rovaniemi

• Accommodation: 3 nights’ classic cottage accommodation in a famous Santa Claus village

• Daily Buffet Breakfast

• Snowmobile Tour: Swap Grinchy’s ramshackle sleigh for a slick snowmobile adventure! (3-4 hours) Includes 1 hour snowmobile ride, visit to reindeer farm and husky park, short reindeer/husky ride, refreshments

• Northern Lights Tour: Marvel as the skies turn Grinch-green on this once-in-a-lifetime tour! (approx. 3 hours). Includes return transportation, thermal overalls and boots, campfire snack

• Travel Insurance

• Travel prizes in UK & abroad protected- Element London ATOL 10207/ABTA Y2441

Runner up prizes: We’re also giving away 20 The Grinch Goodie Bags!

Full Ts&Cs Apply

YOLT INSTAGRAM FREE PRIZE DRAW

TERMS AND CONDITIONS AND PRIVACY POLICY

1. By participating in the Free Prize Draw, all Participants will be deemed to have accepted and be bound by these terms and conditions. Please retain a copy for your information. Please retain a copy for your information. Please note nothing in the terms and conditions will restrict the participant's statutory rights as a consumer and should it be required advice can be obtained from the Trading Standards Office or Citizens Advice Bureau for further information relating to these statutory rights.

2. The information about how we use your personal data is included in paragraph 11 (Personal Data).

3. Promotor’s name and address and prize details

3.1 The Free Prize Draw (the "Free Prize Draw") is run by Yolt. Yolt is a fintech initiative by ING Bank NV which is developed in-house by ING's innovation office in Amsterdam. All of our activities are closely monitored by external governmental bodies as Yolt is part of ING Bank N.V. (“Promotor”, "we", "us", "our", "ING"). This means that Yolt is regulated and licensed by the De Nederlandsche Bank ('DNB') and the European Central Bank ('ECB').The address of Yolt is 8-10 Moorgate, EC2R 6DA, London, UK.

3.2 ING Bank N.V. is the controller of personal data used in connection with this Free Prize Draw and is registered as a data controller with the Information Commissioner's Office (registration number Z651581X).

3.3 ING Bank N.V's registered address is Bijlmerplein 888, 1102 MG, The Netherlands.

3.4 Please contact us at hello@yolt.com with any questions or complaints. When we receive the complaint, we will review it and ensure that we are in compliance with these Terms and Conditions and all applicable laws. We will respond with information about the results of our review.

4. Prizes

4.1.1 The Main Prize: PRIZE PACKAGE INCLUSIONS FOR 2 ADULTS:

• Flights: Return flights from major international airports in London, Manchester, Birmingham or Edinburgh to Rovaniemi, Finland

• Transfers: Return airport transfers in Rovaniemi

• Accommodation: 3 nights’ classic cottage accommodation in a famous Santa Claus village

• Daily Buffet Breakfast

• Snowmobile Tour: Swap Grinchy’s ramshackle sleigh for a slick snowmobile adventure! (3-4 hours) Includes 1 hour snowmobile ride, visit to reindeer farm and husky park, short reindeer/husky ride, refreshments

• Northern Lights Tour: Marvel as the skies turn Grinch-green on this once-in-a-lifetime tour! (approx. 3 hours). Includes return transportation, thermal overalls and boots, campfire snack

• Travel Insurance

• Travel prizes in UK & abroad protected- Element London ATOL 10207/ABTA Y2441

Terms and Conditions

· Flights will be economy class, from major international airports in London, Manchester, Birmingham or Edinburgh only and may be indirect, flights are chosen at prize providers discretion

· At least one person travelling must be over the age of 18 at the time of travel.

· Hotel will be selected prize providers at their sole discretion.

· Accommodation is based on 2 adults sharing one apartment.

· A valid credit or debit card will be required to guarantee your room on check in.

· Hotel stay must include a Saturday night.

· The prize excludes domestic ground transfers.

· Meals, drinks, excursions, attractions, treatments, visas, personal expenses and anything not expressly stated in the prize package are excluded.

· All elements of the prize are subject to availability.

· If unavailable, experiences and items of a similar nature and value may be offered.

· Winners must contact Element with three preferred travel dates in three separate months no later than six weeks prior to departure.

· Once booked the prize cannot be amended or cancelled.

· Basic travel insurance for the winner and guest (exclusive of any pre-existing conditions and provided both are 70 years of age or under);

· Travel insurance is subject to restrictions and the terms and conditions of the insurance provider.

· It is the responsibility of the winner and/or their companions to meet any additional costs relating to obtaining insurance cover for any pre-existing medical condition and/or for any additional costs as may be specified where the winner and/or their companions are aged 70 or over.

· Prize is non-refundable and non-transferable.

· No cash alternative is available.

· Winner and guests will require a passport valid for at least 6 months on date of travel.

· Any necessary visas or insurance are the responsibility of the winner and guests;

· Prize cannot be taken from 21st December 2018 – 21st January 2019 (Christmas and New Year), over UK bank holidays or over Easter Sunday.

· Prize is valid for 12 months from the date of notification of winning, and all travel must be completed within that time.

· If winner elects to partake in any or all portions of his/her prize with no guest, the prize will be awarded to winner and any remainder of the Prize will be forfeited and shall not be subject to further or alternative compensation.

· the snowmobile tour is based on two adults sharing one snowmobile, participants must have a valid driver’s licence to drive the snowmobile

· Prize provider reserves the right to substitute any prize with a prize of equivalent value and other than for death or personal injury resulting from their negligence and so far as permitted by law, Prize provider hereby excludes all liability for any loss, damage, cost and expense, whether direct or indirect, howsoever caused in connection with the Competition or any aspect of the Prize.

Exclusions: Anything not specified in these terms and conditions as being included in the prize package is excluded.

4.1.2 Twenty Runner Up Prizes consist of 1 The Grinch Goodie bag per winner. There are no alternative cash prizes or otherwise.

4.2 The prizes are non-transferable and exclude any additional costs and expenses.

5. Conditions for entry and restrictions

5.1 The Free Prize Draw is open to all residents in England, Wales, Scotland and Northern Ireland, aged 18 years or over on the Start Date, except to:

5.1.1 employees of the Promoter;

5.1.2 employees of agents or suppliers of the Promoter, who are professionally connected with the Free Prize Draw or its administration; or

5.1.3 members of the immediate families or households of (a) and (b) above.

Those who enter the Free Prize Draw are known as "Participants".

5.2 You require the use of Internet and an Instagram account.

5.3 In entering the Free Prize Draw, each Participant confirms that they are eligible to do so and eligible to claim any Prize they may win. The Promoter may require a Participant to provide proof that they are eligible to enter the Free Prize Draw.

6. Free Entry Route/No Purchase Required

6.1 There is no entry fee and no purchase necessary to enter this Free Prize Draw. It is a free draw.

6.2 By entering this Free Prize Draw, the Participant is indicating his/her agreement to be bound by these terms and conditions.

6.3 Only one entry will be accepted per Participant. In the event of multiple entries from the same Participant only the first entry will be accepted.

6.4 The Promoter will not accept Free Prize Draw entries that:

6.4.1 are bulk entries;

6.4.2 are completed by third parties, agents or organised groups;

6.4.3 are incomplete;

6.4.4 are submitted behalf of another person; and/or

6.4.5 consist of joint submissions.

6.5 All entry steps must be completed for your entry to qualify as a Valid Entry ("Valid Entry"). It is the responsibility of entrants to ensure that they have entered correctly. The Promoter accepts no responsibility for incorrect entries. The Promoter reserves all rights to disqualify a Participant if the Participant's conduct is contrary to the spirit or intention of the Free Prize Draw. Any person attempting to circumvent the entry process will be immediately disqualified.

6.6 We reserve the right to exclude any entries which we believe to be inappropriate, fraudulent or based on misconduct.

6.7 We accept no responsibility for entries not received for whatever reason.

7. Start Date

7.1 The Free Prize Draw start date is 15 November 2018

8. Closing Date

8.1 The closing date for the entry will be 23:59 PM on 28 November 2018. Entries made after the closing time will not be counted.

9. How to participate

9.1 To participate in this Free Prize Draw, Participants have to:

9.1.1 Like the designated Instagram post (The “Post”)

9.1.2 comment on the Post, explaining how they are ‘Staying in the green this Christmas’;

9.1.3 follow @getyolt on Instagram during the period stated in paragraphs 7 and 8 above.

10. Selection of the winners

10.1 The winners will be selected at random from all "Valid Entries" by an independent person after the Free Prize Draw deadline of 23.59 PM on the 28 of November 2018.

10.2 The selection of the winners by the Promoter are final and no correspondence will be entered into.

10.3 Winners will be announced on 3 December 2018. The winners will be notified via Instagram Direct messaging and announced across Yolt social media. The winner will have 5 days to claim their prize and give us their full name and address from the date that they are announced as a winner. The Promoter will also make reasonable efforts to reach the winners via Instagram. After this time we reserve the right to select a new winner.

10.4. The Main Prize is non-transferable unless agreed in writing by the Promoter and there is no cash alternative. In the event of circumstances beyond its reasonable control the Promoter reserves the right to substitute the Main Prize for an alternative prize of equal or greater value.

10.5 The Promoter reserves the right to amend, extend or terminate the Promotion and the Closing Date without notice for unavoidable circumstances which are beyond its reasonable control.

11. Personal Data

11.1 We will collect, store and use Participant personal data submitted with their entry in accordance with these Terms and Conditions.

11.2 We will obtain personal data as follows:

(a) Information we collect about Participants – we may collect Participants' Instagram Username, and information publicly available on Participants' Instagram profile;

(b) Information which Participants provide to us – winners' names and winners' contact details, and information on the individuals accompanying the winning Participant to Finland;

11.3 We will use personal data as follows:

(a) where a Participant wins we will:

(i) use the Participant's name in publicity material, including publicity on our website, Instagram, Facebook, and Twitter accounts;

(ii) disclose the winner's name and the county in which the winner lives, where Yolt is required to do so by the UK Code of Non-broadcast Advertising and Direct & Promotional Marketing; and

(iii) collect and use the Participant's personal data to arrange the prize. We will also need to process the data of the person accompanying the winning Participant on the trip to Finland for this purpose.

(b) we will use all Participants' personal data to:

(i) verify that Participants have complied with these Terms and Conditions; and

(ii) administer the Free Prize Draw (which may will require us to contact certain Participants).

11.4 To use personal data, we are required to rely on certain conditions by law. We will rely on the following conditions depending on the processing activities carried out:

(a) Legitimate interests: We will use Participant personal data in our publicity material as this is in our legitimate interests to promote successful prize draws. By entering the Free Prize Draw, each Participant acknowledges that their personal data may be used in this way. Please note that you can object to your personal data being used in this way at any time by contacting us at hello@yolt.com.

(b) Performing a contract with the Participant: When we use personal data for the purposes set out in 11.3(a) (ii),(iii) and 11.3(b), we will process the personal data to the extent that this is necessary for the performance of our obligations under these Terms and Conditions.

(c) Information publicly available on Participants' Instagram Account: The information on your Instagram Account may include information that reveals "special category data". For example, wedding pictures would reveal information about your sexual orientation. We will only process or access data that you have made publicly available.

11.5 Any personal data related to Participants will be used in accordance with the EU General Data Protection Regulation (GDPR) and the Data Protection Act 2018 and will not be used to send marketing communications without prior consent.

Third Parties

11.6 We may use trusted third parties, so-called data processors, (which could include members of the ING Group) to perform our services and support our operations and so we may transfer personal data to these processors. Before we do so, we will ensure that our data processors have made contractual promises to protect the personal data. Any personal data uploaded by the Participants to Instagram will be processed in accordance with Instagram's own privacy policy - we do not control this.

11.7 Where a disclosure is required by law or legal requirement, we may be required to provide personal data to third parties, such as regulators or law enforcement bodies.

Your Rights

11.8 Participants have the following rights under the data protection rules, and can exercise any of these by contacting us at hello@yolt.com:

(a) Right of access: a right request to see what data we store about them, why we store it and how we use it at any time;

(b) Right to rectification: a right to ask us to rectify inaccurate or incomplete personal data which we have about them;

(c) Right to erasure: a right to ask us to erase their personal data in some circumstances, including where the information which we hold is no longer necessary for the purposes for which we process it, they withdraw their consent to its use, or we can no longer lawfully process the data;

(d) Right to restriction of processing: a right to restrict our processing of their personal data in some circumstances. This applies where, for example, the Participant contests the accuracy of the personal data we use or object to us using the information on the basis of their consent. Please note that where we are asked to restrict our processing, we can still store the personal data, and use it to establish or defend legal claims;

(e) Right to data portability: a right to ask us to send them (or another organization) a copy of their personal data in a commonly-used machine-readable format; and

(f) Right to object to automatic processing: a right not to be subject to decisions based solely on automated processing which significantly affect them.

11.9 If a Participant has any concerns regarding our processing of their personal data we would be happy to address this in the first instance. We can be contacted in relation to any data protection issue at:

· hello@yolt.com

If a Participant is unhappy with our handling of their data, they have a right to complain to the Information Commissioner's Office. Their address is:

First Contact Team

Information Commissioner's office

Wycliffe House

Water Lane

Wilmslow

SK9 5AF

Storage

11.10 The personal data we collect will be stored on secure servers in accordance with the EU General Data Protection Regulation (GDPR). The information that we collect may also be transferred to, stored, and processed at a destination outside the European Economic Area ("EEA"). We will take all steps reasonably necessary to ensure that personal data is treated securely and in accordance with these Terms & Conditions.

11.11 We will retain the Participants' personal data for the duration of the administration of the Free Prize Draw. We will retain the winning Participants' personal data (and the personal data of the individual who accompanies them on the trip to Finland) for the period of time that is required to arrange and provide the prize.

12. General

12.1 Nothing in these terms and conditions will limit ING's liability for death or personal injury caused by its negligence or for fraud.

12.2 Except for any legal responsibility that the Promoter cannot exclude in law (such as for death or personal injury or for fraud), the Promoter is not legally responsible for losses that:

12.2.1 were not foreseeable to you and us when the contract was formed; or

12.2.2 that were not caused by any breach on the Promoter's part;

12.2.3 are suffered or sustained by any person or property as a result of any act or omission of the Promoter, nor will their servants or their agents in developing, planning and administrating the Free Prize Draw, distributing the Prize to the Winner or following the distribution of the Prizes.

12.3 The Promoter accepts no liability for errors or omissions contained within the Prize details, description or specification or any part of the Website. It is the responsibility of each Participant (and in particular the Winners) to satisfy him/herself as to the accuracy of any such detail and/or content of the Website.

12.4 This Free Prize Draw is subject to Instagram’s terms of use which can be found at https://help.instagram.com/179...

12.5 Each Participant releases Instagram from liability.

12.5.1 This promotion is in no way sponsored, endorsed or administered by, or associated with, Instagram.

12.5.2 The Promoter does not guarantee continuous uninterrupted or secure access to Instagram. Numerous factors outside the control of the Promoter may interfere with the operation of Instagram. No responsibility will be accepted for any difficulties in entering or any entries delayed or corrupted.

12.5.3 If any clauses of these terms and conditions should be determined to be illegal, invalid or otherwise unenforceable then it shall be severed and deleted from these terms and conditions and the remaining clauses shall survive and remain in full force and effect.

12.5.4 These terms and conditions prevail in the event of any conflict or inconsistency with any other communications, including advertising or Free Prize Draw materials.

12.5.5 If there is any reason to believe that there has been a breach of these terms and conditions, the Promoter may, at its sole discretion, reserve the right to exclude a Participant from participating in the Free Prize Draw.

12.5.6 Any individual who accompanies the Winner on the holiday as part of the Main Prize, will be bound by the terms and conditions stated in these terms and conditions.

12.5.7 Nothing in these terms and conditions shall limit any rights and remedies available to a Participant under the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

12.5.8 The Promoter will be in no way liable for any failure or inability to make contact with any Participants due to any errors, omissions in the contact details provided by the Participants.

12.5.9 These terms and conditions shall be governed by and construed in accordance with the laws of England and the Promoter and Participants recognise that any disputes shall be subject to the exclusive jurisdiction of the English Courts. As a condition of entering the Free Prize Draw, Participants must ensure that, by doing so, they do not contravene any laws of their country of residence. The Promoter will not be liable in any way if a Participant enters the Free Prize Draw unlawfully.

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