The SWIRL Christmas Competition 2026 (“the Competition”) is organised by Smart Transfer Limited, trading as SWIRL Card (“SWIRL”).

1. Eligibility

The Competition is open to all new and existing SWIRL Corporate Reward customers in Ireland who submit a qualifying corporate order during the Competition Period.

There is no minimum order value required to participate.

Each eligible business is entitled to one entry, regardless of the number or value of orders placed. Multiple orders submitted by the same legal entity will not result in additional entries.

SWIRL employees and individuals directly involved in the administration of the Competition are not eligible to participate.

2. How to Enter

To enter the Competition, businesses must place a SWIRL Corporate Reward order through an official SWIRL corporate ordering channel during the Competition Period.

Eligible businesses will be automatically entered into the draw. No separate competition registration or additional entry fee is required.

Orders must be placed and paid for in full by 11:59 pm on Friday, 11 December 2026 to qualify for entry.

Only one entry will be allocated per eligible business, regardless of the number or value of orders placed.

Fraudulent, cancelled, rejected, unpaid or otherwise invalid orders will not qualify for entry into the Competition.

3. Competition Period

The Competition opens on Monday, 2 November 2026 and closes at 11:59 pm on Friday, 11 December 2026.

Only qualifying orders submitted during this period will be eligible for entry.

Orders submitted before the opening date or after the closing date will not be included in the draw.

4. Prize

One winning business will receive a Second Opinion leadership coaching package, delivered by Anthony O’Mara, Senior Leadership Advisor & Executive Coach.

The prize includes:

• Three individual 90-minute coaching sessions for three nominated participants.

• An initial briefing to understand each participant’s development needs.

• Individual preparation ahead of the coaching sessions.

• Written action notes following each session.

• Two 15-minute follow-up check-ins per participant, approximately two and six weeks after their initial session.

Coaching sessions may take place in person or by video, subject to availability and arrangements agreed with Anthony O’Mara.

The prize is non-transferable, non-exchangeable and cannot be redeemed for cash.

The coaching sessions will be arranged directly between the winning business and Anthony O’Mara following confirmation of the winner.

Individual coaching discussions will remain confidential between Anthony O’Mara and each participant unless the participant chooses to share information.

Further information about Anthony O’Mara is available at www.anthonyomara.com.

5. Winner Selection

One winning business will be selected at random from all valid entries received during the Competition Period.

The draw will take place on Friday, 8 January 2027.

SWIRL will verify the winning business’s eligibility before confirming the prize.

If the selected business does not meet the eligibility requirements, an alternative winner may be selected at random from the remaining valid entries.

6. Claiming the Prize

The winning business will be notified by email using the contact details associated with its SWIRL corporate order or registered business account.

The winner must respond within five working days of notification to accept the prize.

If the winner fails to respond within this period, declines the prize or is found to be ineligible, the prize may be forfeited and another winner selected at random.

Once the prize has been accepted, the winning business will be introduced to Anthony O’Mara to arrange the coaching sessions.

Session dates will be agreed directly with Anthony O’Mara, subject to availability.

The deadline for arranging or completing the coaching is the 31st March 2027.

7. General Conditions

SWIRL reserves the right to exclude any business from the Competition where it reasonably believes that an entry is fraudulent, invalid, submitted in bad faith or in breach of these Terms & Conditions.

SWIRL reserves the right to amend, suspend or cancel the Competition where reasonably necessary for valid legal, technical or operational reasons and where permitted by applicable law.

Any material changes to the Competition or these Terms & Conditions will be communicated through the SWIRL website and, where reasonably practicable, directly to affected entrants.

SWIRL is not responsible for inaccurate or incomplete contact details supplied by entrants that prevent the winner from being notified.

All SWIRL Corporate Reward orders remain subject to SWIRL’s standard ordering and product terms. Participation in the Competition does not alter the terms applicable to the purchase or use of SWIRL Corporate Rewards.

These Terms & Conditions are governed by the laws of Ireland, and disputes will be subject to the jurisdiction of the Irish courts, subject to applicable statutory rights.

8. Data Protection

Personal information processed in connection with the Competition will be used for the purposes of administering entries, verifying eligibility, selecting and notifying the winner, and arranging delivery of the prize.

Relevant contact details of the winning business and nominated participants may be shared with Anthony O’Mara where necessary to arrange the coaching sessions, in accordance with applicable data protection requirements.

Participation in the Competition does not constitute consent to receive unrelated marketing communications.

For further information about how SWIRL processes personal data, please refer to SWIRL’s Privacy Notice.

9. Contact Information

For any questions or queries relating to the SWIRL Christmas Competition 2026, please contact the SWIRL Corporate Team at sales@swirlcard.com.

Further information about SWIRL Corporate Rewards is available at https://www.swirlcard.com/corporate-gift-card/.