Christmas Prize Draw 2021 Terms & Conditions

Terms and Conditions

  1. By entering this prize draw, you are agreeing to these Terms and Conditions. 

  2. The Promoter (“ilumoni”) of this prize draw is Monely Ltd (t/a ilumoni) of The Barnsley Digital Media Centre, County Way, Barnsley, S70 2JW (company number 11886611).

  3. The prize draw is free to enter, no purchase is necessary.

Eligibility to Enter

  1. The competition is open to UK residents, aged 18 and over only, with the exception of employees of ilumoni, their families, agents and anyone else connected with this promotion.

  2. In entering, you confirm that you are eligible to enter and eligible to claim any prize. ilumoni may require you to provide proof that you are eligible to enter the competition.

How To Enter

  1. To enter, entrants must either:

    1. Comment on the announcement competition post on ilumoni’s Instagram page stating how they will ‘Get Debt Fit’ in 2022, using the hashtag ‘#GetDebtFit’ in their comment and tag a friend in the comment; or

    2. Comment on the announcement competition post on ilumoni’s Facebook page stating how they will ‘Get Debt Fit’ in 2022, using the hashtag ‘#GetDebtFit’ in their comment; or

    3. Quote tweet the announcement tweet on Twitter by retweeting with an accompanying comment stating how they will ‘Get Debt Fit’ in 2022, using the hashtag ‘#GetDebtFit’ in their tweet

  2. The announcement posts across both Facebook and Instagram will include the following phrase in the post description: “This post is an official competition post. Comments on other posts by the ilumoni pages will not be considered valid entries unless otherwise stated.” Comments on Facebook and Instagram posts that do not contain this full phrase will not be valid. The announcement post on Twitter consists of: “Santa's coming early! 🎅 We’ve teamed up with #PersonalFinance Coach @ToluFrimpong for a #Christmas #prizedraw with a difference! For a chance to win a prize worth £2,500+ retweet this tweet with a quote saying how you’ll #GetDebtFit in 2022. T&Cs apply”, followed by a link to these terms and conditions. Retweets without a quote from the entrant or replies to this post will not be valid.

  3. ilumoni accepts no responsibility for any entries not successfully completed due to a technical fault of any kind; or that are incomplete, inaccurate, illegible, or corrupted; or are lost, mislaid, damaged, delayed, or fail to reach ilumoni by the relevant closing date for any reason. Proof of posting or sending is not proof of receipt. Automatically generated entries and entries via agents or third parties are invalid and shall not be considered.

  4. There is a maximum of one entry per person per platform (Facebook and Instagram). No entrant may win more than one prize.

  5. Entries on behalf of another person will not be accepted and joint submissions are not allowed. The competition is entered online and therefore applicants will need access to the internet to enter. Entrants will also need a Facebook or Instagram account.

  6. Entrants must only post appropriate content, and the Promoter reserves the right to remove any content deemed inappropriate. Entries with inappropriate content will be disqualified.

  7. The prize draw opens at 16:00 on 14th November 2021 and closes on 12th December 2021. All entries must be received by 23:59 on 12th December 2021. Late entries will not be accepted.

The prize

  1. The prize is one cash prize of £2033 and a total of five hours of financial coaching, equivalent to £500.

  2. There is only a single prize, consisting of both the coaching and the cash prize and there will be one winner only. 

  3. ilumoni’s use of particular brands and services does not imply affiliation or endorsement of such brands and services.

  4. The prize is non-exchangeable, non-transferrable and no cash alternatives will be offered.

  5. Prizes are subject to availability. ilumoni reserves the right to substitute the prize with an alternative prize of equal or higher value if circumstances beyond our control make it necessary to do so. No correspondence will be entered into. 

The draw, winner announcement and claiming the prize

  1. All correctly completed entries will be entered into a prize draw. The winner will be drawn at random and announced on ilumoni’s Facebook, Instagram and Twitter channels at 18:00 on 14th December 2021, subject to ilumoni’s satisfactory confirmation that the winner meets the eligibility criteria. Proof of age, country of residence and identity may be required to claim the prize.

  2. ilumoni will attempt to contact the winner by Direct Message on the social channel by which they entered to claim their prize up to a maximum of two times. The winner must provide a full name and postal address by sending ilumoni a direct message on the social channel by which they entered in order to claim their prize. 

  3. If the winner does not respond to the Direct Messages within 24 hours of the second message to claim their prize, they will lose their prize and ilumoni reserves the right to choose and notify a new winner.

  4. The decision of ilumoni in respect of the winner is final and binding and no correspondence will be entered into.

  5. Please allow up to 14 working days for ilumoni to request the bank details required from the winner to deliver the cash prize and introduction to the financial coach. 

    1. The cash prize will be delivered by bank transfer to a UK bank account held in the winner’s name only; the winner will need to provide valid UK bank details to ilumoni that will be checked against financial services screening lists. Ilumoni accepts no responsibility for any delays in the delivery of the cash prize due to the provision of invalid bank details. The provided bank account information will be screened by ilumoni within 7 working days of receipt of valid bank account information from the winner and the transfer will be made within 14 working days of a satisfactory result from the screening. ilumoni reserves the right to withdraw the prize from the winner and select and notify a new winner if it is not satisfied with respect to a screening list.

    2. Following the introduction by ilumoni between the winner and the financial coach, the financial coach will contact the winner within a further 14 working days to arrange an initial appointment. The initial appointment must be agreed at a time that is reasonably mutually convenient within 28 working days of the financial coach contacting the winner. If the initial appointment is not made within 28 working days of the financial coach contacting the winner, where the financial coach is acting reasonably, the winner will forfeit their right to the prize. All 5 hours must be completed within 3 months of the initial appointment, where the financial coach is acting reasonably to arrange mutually convenient appointments.

  6. Any tax liability or impact on benefit payments arising from the award of this Prize will be the responsibility of the winner of the Prize. It is advisable that the winner seeks independent tax advice before accepting this Prize.

  7. ilumoni may disqualify any entrant whose entry does not comply with these terms and conditions (in ilumoni’s sole opinion) or who, in ilumoni’s sole determination, has acted in a manner that is fraudulent, dishonest or unjust to other entrants including, without limitation, tampering with the operation of the prize draw, manipulating or rigging votes, hacking, deceiving, cheating or by harassing or threatening other entrants or a representative of ilumoni. 

Data Protection and Privacy

  1. You consent to any personal information you provide in entering the prize draw being used by ilumoni for the purposes of administering the prize draw and for the purposes as defined within our Privacy Notice.

  2. The winner agrees to the release of their name in the winner’s announcement and agrees to take part in reasonable post draw publicity and to the use of their names and photographs in such publicity. 

  3. By commenting on our competition posts with the hashtag #GetDebtFit you agree that your post and profile image may be published on ilumoni’s websites and social media accounts. Entrants must ensure, prior to any submission, that where any third party appears in any photograph that they have obtained the permission of that third party to the use of that image, including the use by the ilumoni in accordance with these terms and conditions. Where any children appear in the submission photograph parent / guardian consent must have been obtained.

  4. All entrants may apply for details of the winning participant (specifically, their name) by contacting us at stating the name of the prize draw in the subject heading no later than 4 weeks after the closing date.

  5. All personal information shall be used in accordance with ilumoni’s Privacy Notice.

Limitation of Liability

  1. This Promotion is in no way sponsored, endorsed or administered by or associated with Facebook, Instagram, Meta or Twitter. You acknowledge that all information and material that you submit to enter this Promotion is submitted to ilumoni and not Facebook, Instagram, Meta or Twitter and you agree that Facebook, Instagram, Meta nor Twitter shall not be liable to you in any way in respect of this Promotion.

  2. TWITTER, TWEET, RETWEET and the Twitter logo are trademarks of Twitter, Inc. or its affiliates.

  3. Ilumoni does not accept any liability for any damage, loss, injury or disappointment suffered by any entrants as a result of either participating in the prize draw or being selected for the prize, save that ilumoni does not exclude its liability for death or personal injury as a result of its own negligence.

  4. The financial coach does not offer financial advice, cannot recommend any products or services and is not FCA-authorised. You may be asked to agree to additional terms and conditions in respect of the coaching. Such terms and conditions will be between the winner and the financial coach only.

  5. Ilumoni does not provide any form of support or warranty for this prize and makes no guarantee in respect of the quality or outcome of the financial coaching. On receipt of the cash prize and financial coach introduction, all responsibilities relating to warranty and the services are that of the prize winner.


  1. ilumoni reserves the right to cancel the prize draw or amend these terms and conditions at any time, without prior notice. ilumoni does not accept any responsibility if you are not able to take up the prize. No correspondence will be entered into.

  2. In the event of any dispute regarding the rules, results and all other matters relating to this free prize draw, the decision of ilumoni shall be final and no correspondence or discussion shall be entered into.

  3. The prize draw and these terms and conditions are governed by English Law, and the parties submit to the exclusive jurisdiction of the courts of England and Wales.

  4. Ilumoni is registered and regulated by the Financial Conduct Authority (928933 and 928681).

© 2022 by ilumoni

ilumoni is a trading name of Monely Limited registered and regulated by the Financial Conduct Authority (928933 and 928681), registered in England and Wales (Company number 11886611), Registered Office: The Barnsley Digital Media Centre, County Way, Barnsley, S70 2JW

*As referenced in the FCA's financial lives report and/or the credit card market report.