1. Each draw is open to the members of St. Raphael’s Garda Credit Union Limited (“the Credit Union”), provided that each such member makes the full subscription to the relevant draw and is over 18 years of age when the draw takes place.
2. Participants in the Draw will subscribe, in advance, to the Draw at the following respective rates:
   1. Where the subscription is made by deduction from weekly payroll: €1.50 per week
   2. Where the subscription is made otherwise than by deduction from weekly payroll: €6.50 per month
      • Members who have paid their contribution within the 30 days (31 days depending on month) before the draw is run are included in the draw.
      • Members who notify us to leave the draw are excluded 30 days from last payment therefore would be included in a draw should it take place within the 30 days following their final payment.
3. The funds for the relevant Draws will be accounted for separately from the funds arising from the usual functioning of the Credit Union.
4. Prizes will be cash prizes and such other prizes as the Board of Directors of the Credit Union from time to time determines, having regard to the extent of the prize fund available from the subscriptions to the Draw and after deductions for expenses. Participants shall be notified from time to time of the prizes available and any variation in the extent of such prizes.
5. Prizes for the Draw shall be supplied by such company or supplier as the Board of Directors of the Credit Union may in its absolute discretion from time to time determine.
6. The Credit Union will not be liable, nor will it accept any liability, whatsoever arising, for any defects, mechanical or otherwise, in any of the prizes.
7. The Board of Directors of the Credit Union will in its absolute discretion from time to time determine the following:
   1. The prizes to be won in each Draw;
   2. The frequency of Draws; and
   3. The date and location of each Draw.
8. Participants’ agree to have their name and county published on St Raphael’s website and social media sites.
9. Each participant is limited to winning one prize in each Draw.
10. Every participant in each Draw who is deemed to be a winner of a prize in the Draw and who, at the time of such winning, is in arrears in any payments due by him/her to the Credit Union in any manner whatsoever (including in respect of any joint account and including any arrears due as a guarantor), shall not be entitled to claim or receive such prize unless and until all such payment arrears have been discharged in full.
11. Participants in the relevant Draws shall be bound by these Rules and participation in the Draws includes acceptance of these Rules;
12. The Board of Directors of the Credit Union will interpret these Rules and any other matters arising out of the operation of their relevant Draws.
13. Any dispute or difference about the interpretation of these Rules or arising in connection with, out of, or under these Rules or from the operation of the relevant Draws, shall be dealt with in accordance with the procedures specified in the Appendix to these Rules.
14. These Rules (including the subscription rates specified in Rule 2) may be amended from time to time by the Board of Directors of the Credit Union in consultation with the Supervisory Committee of the Credit Union and participants shall be notified of any amendments.

 

APPENDIX
PROCEDURES FOR DEALING WITH DISPUTES

Any dispute or difference about the interpretation of the Rules for the Self-Financing Prize Draws or arising in connection with, out of, or under
those Rules or from the operation of the relevant Prize Draws shall be dealt with in accordance with the following procedures:

1.  The dispute or difference shall be referred to an officer or officers of the Credit Union appointed by the Board of Directors of the Credit Union whose duty it shall be to discuss the matter with the relevant member or members who are in dispute with the Board of Directors of the Credit Union or other relevant authority involved in operating the Prize Draws and, where possible, to resolve the dispute or difference.
2. If, following discussion under the procedures at (1) above, the dispute or difference is not resolved to the satisfaction of the relevant member or members, any such dispute or difference which arises or occurs between any of the relevant parties in relation to anything or matter arising under, out of, or in connection with the interpretation of the Rules for the Prize Draws or from the operation of the Prize Draws shall be determined by an Arbitrator appointed by the Chartered Institute of Arbitrators – Irish– Branch in accordance with the provisions of the Arbitration Act 2010 (as amended, extended or replaced from time to time).

The details provided in this application form together with any other information that is furnished to us in connection with this application will be retained and processed by St. Raphael’s Garda Credit Union in accordance with the Data Privacy Notice which is available on our website and in branch