Get Debt Fit Prize Draw January 2022 Terms and 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 be,

    1. A fully signed-up customer of ilumoni, having connected their credit report and primary bank account successfully and reached the ilumoni dashboard  at the time of each cut-off in Clause 11; and

    2. Have signed into the ilumoni app in the 28 days prior to the draw cut-off according to ilumoni’s login records; and

    3. Have opted into the “#GetDebtFit January 2022” prize draw via the prize draw screen in the app and be opted in at the cut-off time. The prize draw screen can be reached from the ‘settings’ menu and users may opt in or out of the prize draw via this screen. If you opt out after the cut-off, we may not be able to exclude you from the draw that week and you may still be entered into that draw and your opt out will take effect for the following ones. If you win, you can still refuse to accept your prize. By entering the prize draw, the winner agrees to receive communications about the prize draw by in-app message and email.

  2. ilumoni accepts no responsibility for any entries not successfully completed due to a technical or account creation 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 and time 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.

  3. There is a maximum of one entry per person per draw. After each draw, all opted in valid entrants are eligible for the next draw. 

  4. Entries on behalf of another person will not be accepted and joint submissions are not allowed. The competition is entered via the ilumoni app only and therefore applicants will need access to the internet to enter. Entrants will also need an ilumoni account that has completed the sign up process.

  5. There will be a total of four weekly draws throughout January 2022, with one additional ‘grand prize’ draw.

  6. The four weekly prize draw cut-off dates and times for valid entries are, midday on Friday 7th January 2022, midday on Friday 14th January 2022, midday on Friday 21st January 2022, and midday Friday 28th January 2022. The cut-off time for the ‘grand prize’ is midnight on 31st January. Late entries will not be accepted, however they will be valid for the following draw in the “#GetDebtFit January 2022” competition (unless it is the final ‘grand prize’ draw) provided all other criteria are also met.

The prize

  1. Weekly prizes are various goods and services supplied by third parties with a value of between c.£200.00 and c.£250.00 each week, with an additional ‘grand prize’ of a minimum of £500 worth of financial coaching. 

  2. The financial coaching will be supplied by a provider of ilumoni’s choosing. ilumoni reserves the right to substitute this with coaching from another provider should circumstances beyond our control make it necessary to do so. No correspondence will be entered into.

  3. There are five prizes in total, comprising four weekly prizes and an additional ‘grand prize’. Each prize will have one winner only. 

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

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

  6. 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.

  7. The prizes exclude any costs incurred that are incidental to the redemption of the prizes including but not limited to travel insurance, delivery charges, travel or spending money to redeem the Prize or personal expenses.

The draw, winner announcement and claiming the prize

  1. All valid entries will be entered into a weekly prize draw throughout January 2022, according to the schedule in clause 6. The winner of each draw will be drawn at random and announced via ilumoni’s social channels on the Monday following each cut-off for the weekly prize draws (which, for the avoidance of doubt, are Monday 10th January 2022, Monday 17th January 2022, Monday 24th January 2022, and Monday 31st January 2022 and Thursday 3rd February 2022 for the grand prize), and newsletters at ilumoni’s discretion, 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 in-app message in the ilumoni app to claim their prize up to a maximum of two times. The winner must provide a full name and postal address by replying to the in-app message in order to claim their prize. 

  3. If the winner does not respond to the in-app message within 24 hours of the second message to claim their prize, or responds to refuse 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 details required from the winner to deliver the prize and, for the ‘grand prize’, the introduction to the financial coach. 

    1. ilumoni will inform the winner when and where the prize will be delivered within 7 working days of receipt of address information from the winner. The winner must provide a valid UK address for the delivery of the prize. Prizes will be delivered to the winner’s name and address only, as provided when claiming the prize. ilumoni accepts no responsibility for any delays in the delivery of the prize. ilumoni reserves the right to withdraw the prize from the winner and select and notify a new winner if it is not satisfied the address is a valid UK address. The winner may not provide a PO Box address.

    2. For the winner of the ‘grand prize, 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 financial coaching 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 entering this competition you agree to reasonable use of your name and image on our website, social channels, newsletter and in the media and materials produced by or on behalf of ilumoni should you win. ilumoni will retain the rights to any media and materials produced.

  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. 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.

  2. 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. ilumoni does not provide any form of support or warranty for any prize and makes no guarantee in respect of the quality or outcome of the financial coaching.  


  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.