Junior Savers Scheme Terms & Conditions

The purpose of the Junior Savers Card is to encourage the lodgement of savings by the credit union member listed on the card. Each time the owner of the Junior Savers Card lodges money into their credit union account, a sticker will be placed on the card by Core Credit Union.

• To use the Junior Savers Card, you must first be a member of Core Credit Union.
• The Junior Savers Card may only be used by the Core Credit Union member and account holder, or their parent or guardian.
• The card owner is the person listed on the card.
• The Junior Savers Card may only be used in Core Credit Union as listed on the card.
• The Junior Savers Card is non-transferable.
• Members must lodge a minimum €1 in order to receive a sticker.
• Members can collect and submit as many cards as they like, as long as they are in stock in Core Credit Union.
• The Junior Saver card is only available while stocks last.
• The card remains the property of the credit union member.
• Core Credit Union will offer a reward to members who complete their Junior Savers Card of €10 to the child’s school and they will be entered in a raffle to be held on 1st December 2021 to win one of 5 Kids Fitbits (1 per branch). For each completed card, Core Credit Union will gift €10 to the child’s participating school to a maximum of €500 per annum.
• The Junior Savers Card is only available in participating credit unions in Ireland and Northern Ireland.

• The title of the competition is “Junior Savers Scheme Draw”.
• The draw will run from 20th September 2021 to 1st December 2021 inclusive.
• Winners of the draw will only be considered if they, or their parents or guardians, complete a Junior Saver Card and hand it into Core Credit Union between the above dates.
• The card is ‘complete’ when the relevant member has lodged savings into Core Credit Union eight times and received eight stickers.
• If the member entering the Junior Savers Scheme draw is under 18, they must have permission from their parent or legal guardian and parental/guardian’s permission to receive the prize.
• The winners will be selected at random in a draw held by Core Credit Union on 1st December 2021.
• The entrant can enter the draw as many times as they like between the above dates, as long as they have completed their Junior Saver Card (s).
• The prize is as described. The prize is non-transferable.
• Confirmation of the prize to the selected winner will be made in writing by email or through a phone call to the number provided.
• If the prize is declined or unclaimed for whatever reason within 30 Days from notification, the prize will no longer be available to that person without any liability to Core Credit Union. The prize will be forfeited and awarded to the next person selected in the draw. A winner will have to respond to the email or phone call from the ILCU within 40 days of notification or else the prize will be forfeited. A winner, whose prize has been forfeited, is not entitled to payment or compensation of any kind.
• Where applicable, the decision of Core Credit Union is final, based on the criteria set out in the competition and no correspondence will be entered into over this decision. Competitions may be modified or withdrawn at any time.
• In the event of a discrepancy between these standard terms and conditions and the details in the social media post promoting the competition, these terms and conditions shall prevail.
• Core Credit Union may disqualify, without notice, any entrant and/or winner it reasonably believes has failed to meet the qualifying criteria, has acted fraudulently, tampered or attempted to tamper with the operation of the competition or is in breach of these terms and conditions.
• To the extent permitted by law, Core Credit Union will have no liability for any claims, losses or damages of any kind arising out of or in connection with participation in this competition or the allocation or use of a prize.
• The prize draw is not open to children of, employees, board members or volunteers of Core Credit Union or their immediate family or partners of these persons.