Terms and Conditions of MoneyHero x CNCBI Personal Instalment Loan – Apple iPad Air／Dyson Supersonic™ hair dryer HD08／De'Longhi Active Line Series Pump-Driven Espresso Coffee Machine／Supermarket Voucher – March 2023

1. Customers who successfully apply for a China CITIC Bank International Personal Instalment Loan (“Designated Loan”) via MoneyHero as specified herein, are approved by China CITIC Bank International, successfully drawdown within 1 month after successful application, fulfilled the specific drawdown requirements, and submitted the MoneyHero Reward Redemption Form within the given period will be eligible to receive a Promotion Reward set out herein (each as defined below).

2. Promotion Period

Unless otherwise specified, the promotion period of the Promotion is from 1^st March 2023 to 31^th March, 2023 both dates inclusive (the “Promotion Period”).

3. Designated Loan

• China CITIC Bank International $mart Plus Tax Season Loan; or
• China CITIC Bank International $mart Plus Personal Installment Loan – Debt Consolidation

4. Eligible Customer

In order to receive the Promotion Reward and to comprise "Eligible Customers", customers are required to, during the Promotion Period:

1. Fully complete and submit an application for the Designated Loan on the designated link through MoneyHero during the Promotion Period, where the loan amount falls within one of the categories specified under the “Promotion Reward” section below. If the application is not made via the designated link, or an Ad-blocker, tracking blocker or incognito mode is enabled during the application, it may not be counted as valid and may lead to the customer not being eligible for any rewards. MoneyHero reserves the right to withhold any rewards where, according to its records, the application is not made through MoneyHero in accordance with these Terms and Conditions;
2. Fully complete and submit the MoneyHero Reward Redemption Form within 7 days after receiving the MoneyHero Reward Redemption Form from MoneyHero;
3. Complete drawdown for the Designated Loan within one month after successful application.

5. Promotion Reward

 The Promotion Reward that an Eligible Customer is eligible to receive upon fulfilling the conditions set out above is one of the following, depending on the loan amount :

1. Eligible Customers whose loan amounts for the Designated Loan fall into one of the above tiers will be able to select one of the specified Promotion Rewards, subject to availability.
2. MoneyHero is not associated with the provider of the Promotion Reward(s) and is not responsible for any issues related to usage of the Reward(s). Any enquiries regarding the Promotion Reward(s) should be directed to the provider/manufacturer of the Promotion Reward.
3. In the event that a Promotion Reward is not available from MoneyHero’s suppliers or the specified Promotion Reward can no longer be purchased from official channels, MoneyHero reserves the right to replace the Promotion Reward with an alternative.
4. The recommended retail values of the Promotion Rewards provided above are for reference purposes only and are subject to change by the issuing merchant, over which MoneyHero has no control.
5. Customers who successfully apply for a Designated Loan and submit the MoneyHero Reward Redemption Form but are not approved by the bank will not be able to receive any Promotion Reward.

6. Redemption Process for the Promotion Reward

1. The general redemption process set out on the MoneyHero Website shall not apply to this Promotion. The redemption process for the Promotion Reward shall be governed solely by the Terms and Conditions of this Promotion.
2. Customers whose applications for the Designated Loan are approved by China CITIC Bank International are required to submit the MoneyHero Reward Redemption Form within 7 days of receiving the MoneyHero Reward Redemption Form from MoneyHero in order to be eligible for the Promotion Reward. Customers who do not submit the MoneyHero Reward Redemption Form within this period will not be eligible to receive the Promotion Reward, even if they fulfill all other conditions.
3. Participants who have not received the MoneyHero Reward Redemption Form should contact us via support@moneyhero.com.hk with their (1)Name of loan applied and (2)Date of application included in the email. The MoneyHero Reward Redemption Form will be re-sent manually as soon as possible.
4. Participants who provide inaccurate or incorrect information in the MoneyHero Reward Redemption Form (as determined by MoneyHero acting in its absolute discretion) will not be able to receive the Promotion Reward.
5. The redemption process may take at least 16 weeks starting from the date on which the eligibility is confirmed by China CITIC Bank International, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward.
6. Any queries regarding redemption or redemption submissions of the Promotion Reward that are received 3 months after the Promotion Period will not be handled, except for those already in progress.

7. General Promotion Terms

•  In case of any disputes, MoneyHero reserves the right to make the final decision in its absolute discretion, which shall be binding on all participants.
• MoneyHero reserves the right to amend these Terms and Conditions at any time, including changing the Promotion Period or Promotion Reward or to terminate this Promotion with or without prior notice.
• Promotion Rewards are not refundable or exchangeable for cash or other rewards.  All products and services relating to the Promotion are available while stock lasts. Customers are responsible for checking the quality of the Promotion Rewards at the time of redemption. MoneyHero shall have no legal liability relating to any aspects of the Promotion Rewards including but not limited to its quality, supply, delivery and maintenance.
• Promotion Rewards that remain unclaimed past the stipulated collection period (if any) will be forfeited.
• By participating in this Promotion, participants hereby represent and warrant that they will comply with all applicable Hong Kong laws or regulations in connection with their participation in this Promotion and they will not use this Promotion for any illegal or fraudulent purposes.
• By participating in this Promotion, participants agree to allow the product provider to update MoneyHero with information regarding the status of their application, including whether or not said application is successful and whether the participant has fulfilled all the conditions required to receive the Promotion Reward, for the purposes of verifying a participant’s eligibility for the Promotion Reward.
• By participating in this Promotion, participants consent to MoneyHero sharing their personal details with the product provider in order to accurately track the number of applications and/or approvals, as well as to confirm whether a participant is eligible to receive any rewards, in accordance with MoneyHero’s Privacy Policy.
• Final approval of any product is determined by the product provider in its absolute discretion and is subject to their credit and risk processing criteria. Participation in this Promotion does not guarantee the approval of any product applied for. MoneyHero does not guarantee the approval of any product applied for.
• MoneyHero accepts no responsibility for any damage, loss, liabilities, injury or disappointment incurred or suffered by participants as a result of their participation in this Promotion. By participating in this Promotion, participants release MoneyHero and its agents from all liability, including, without limitation, with respect to this Promotion and the Promotion Reward.
• MoneyHero reserves the right to disqualify any participant and withhold or confiscate in full or part any rewards if the participant is found to be, or reasonably suspected of participating in any form of fraudulent practices (including but not limited to false identities, doctoring images, wilful spamming or manipulation of any MoneyHero’s processes, or website).
•  In the event of any discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.