Go & Grow Birthday Campaign Terms and Conditions

1. General Information and Campaign
   1. The Campaign “Go & Grow Birthday” (hereinafter the “Campaign”) is organized by Bondora Capital OÜ, registry code 12831506, located at A.H. Tammsaare tee 56, 11316 Tallinn, Estonia (hereinafter “Bondora”).
   2. The Campaign will run from April 7, 2025, to June 4, 2025 (hereinafter the “Campaign Period”).
   3. Within the framework of the Campaign, the following prizes (hereinafter the “Prize” or “Prizes”) will be drawn among the Participants who meet the conditions for participation in the Campaign (hereinafter the “Participant”):
      1. A cash prize of €2,000 on April 17;
      2. A cash prize of €3,000 on May 1;
      3. A cash prize of €4,000 on May 15;
      4. A cash prize of €6,000 on May 29;
      5. A grand prize consisting of a €10,000 cash prize and a trip for two to the Maldives (including flight tickets and accommodation in a 5* hotel), valued at €10,000. The grand prize will be announced on June 5 at the Go & Grow birthday event.
   4. The Campaign’s total prize pool is €35,000, and the winners will be randomly selected by a computer program.
2. Terms and Conditions for Participating in the Campaign
   1. All natural persons automatically participate in the Campaign if they:
      1. Are Go & Grow users and have a valid agreement with Bondora under the Terms of Use of Go & Grow (https://www.bondora.com/en/terms); and
      2. Have made investments into their Go & Grow account during the Campaign Period.
   2. For every €100 invested, the Participant will receive one ticket to participate in the four prize draws and the grand prize draw. Multiple entries are allowed; for example, an investment of €1,000 will grant the Participant 10 corresponding raffle tickets.[1]
   3. The Participant must maintain the invested amount in their Go & Grow account until the draw date to qualify.
   4. Employees of Bondora (including Bondora Group companies), individuals providing services to Bondora under a mandate contract, and family members of the aforementioned persons may make investments that meet the Campaign conditions but will not participate in the prize draws.
3. Prize Draw
   1. Bondora will randomly select the winners (hereinafter the “Winner”) from among the Participants.
   2. The Prizes drawn in the Campaign will be announced via email sent to the Participants and on social media (names partially disclosed for privacy).
   3. Bondora will personally contact the Winners via the email address they have provided to Bondora, no later than seven (7) days after the prize draw. The Prize will be credited to the Winners’ Go & Grow account no later than fourteen (14) days after the prize draw, with no restrictions on withdrawal.
   4. The grand prize winner will receive the contact details of the travel agency from Bondora. The agency will serve as the primary contact for all travel-related inquiries and will arrange the trip on a date convenient for the winner within one year from the announcement date.
   5. The Winner is responsible for any tax obligations/liabilities they may incur as a result of receiving or using the Prize.
   6. If the Winner has violated the terms and conditions of the Campaign, provided false information to Bondora, or Bondora is unable to get in contact with the Winner due to reasons arising from the Winner, Bondora may decide to draw a new Winner. In such cases, Bondora will not be liable for the initial Winner’s Prize draw or for not receiving the Prize.
   7. The Prize will not be replaced with other prizes. The Winner may waive the right to receive the Prize by notifying Bondora via email.
4. Processing of Personal Data
   1. The Participant is aware that Bondora processes the Participants’ personal data in the Campaign per Bondora’s Privacy Policy, but only for the purpose of organizing the Campaign and the Prize draw.
5. Miscellaneous
   1. The procedure for conducting the Campaign is established in these Terms and Conditions, which are mandatory for all Participants in the Campaign to follow.
   2. Bondora has the right to amend the Terms and Conditions of the Campaign or to terminate the Campaign prematurely for a good reason. Bondora informs the Participants about the above-mentioned circumstances via an email message sent to the Participants.
   3. If there are questions related to the Campaign, including possible complaints, the Campaign Participant may contact Bondora using the contact details provided in Clause 1.1 of these Terms and Conditions or write a message via Bondora’s “How can we help?” page. Bondora will answer questions and process claims within a maximum of 15 days. The consumer has a right to file a claim with the Consumer Dispute Board (address: Endla 10A, 10122 Tallinn, email: avaldus@komisjon.ee, telephone: +372 620 1707).
   4. All disputes arising from the Campaign will be resolved according to the laws of the Republic of Estonia in the Consumer Dispute Board or per the Go & Grow Terms of Use.

[1] For large deposits, Participants may be required to provide additional documentation to verify their income in accordance with anti-money laundering regulations.