Terms and Conditions of MoneyHero x Citi Speedy Cash Loan / Debt Consolidation Loan (the “Promotion”)

1. New Customers who successfully apply for a Citi Speedy Cash Loan / Debt Consolidation Loan (each a “Designated Loan”) via MoneyHero, are approved by Citibank, fulfill the specific drawdown requirements within the specified period and submit the MoneyHero Reward Redemption Form within the specified period will receive a Promotion Reward.
2. Promotion Period
   • Please refer to Clause 4 below for the relevant promotion periods of the Promotion (each a “Promotion Period”).
3. Eligible Customers

In order to receive the Promotion Reward and to comprise "Eligible Customers", customers are required to, during one of the specified Promotion Periods:

• Be a Hong Kong permanent resident aged 18 or above, with a monthly salary of HK$6,000 or above and in full-time employment with their present employer for at least 3 months;
• Not have any active Citibank personal loan account on the date of their application as part of the Promotion;
• Fully complete and submit an application for a Designated Loan on the designated link through MoneyHero during one of the Promotion Periods specified in Clause 4, where the loan amount falls within one of the categories specified in Clause 4. 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;

1. Fully complete and submit the MoneyHero Reward Redemption Form within 7 days after receiving the MoneyHero Reward Redemption Form from MoneyHero;
2. Have their application for the Designated Loan approved by Citibank and complete drawdown for the Designated Loan within 30 days after making their application; and
3. Maintain the account for the Designated Loan in a valid state and in good condition without any late payment or early repayment. 

4. Promotion Rewards

1. The Promotion Reward that an Eligible Customer is eligible to receive upon fulfilling the conditions set out in Clause 3 above is one of the following, depending on the loan amount and when the application for the Designated Loan is made:

1. The Promotion Reward that an Eligible Customer may be eligible to receive will depend on the application date for the Designated Loan (e.g if the application is made on 2 April 2022, the relevant Promotion Period is 1 April 2022 – 30 April 2022).
2. Each Eligible Customer will be able to select a maximum of one of the applicable Promotion Rewards.
3. If the account for the Designated Loan is not kept in a valid and good condition or any late payment or early repayment is made, (i) the Eligible Customer will not be entitled to any Promotion Reward, (ii) Citibank and MoneyHero reserve the right to disqualify an Eligible Customer from receiving any Promotion Rewards and (iii) the Eligible Customer shall immediately repay to Citibank the full amount of the Promotion Reward received.
4. MoneyHero and Citibank are 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.
5. 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.

1. 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 Citibank 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 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.
4. The redemption process may take at least 16 weeks starting from the date on which the MoneyHero Reward Redemption Form is submitted, depending on the actual situation regarding user’s approval and transaction status or other factors that may affect eligibility for the Promotion Reward.
5. 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.

1. General Promotion Terms

1. 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.
2. MoneyHero and Citibank reserve 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.
3. Staff who are employed under Citibank (Hong Kong) Limited (CHKL) or Citigroup are not eligible to receive any rewards under this Promotion.
4. Promotion Rewards are not refundable nor 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.
5. Promotion Rewards that remain unclaimed past the stipulated collection period (if any) will be forfeited.
6. 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.
7. 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.
8. 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 Promotion Rewards, in accordance with MoneyHero’s Privacy Policy.
9. 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.
10. 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.
11. 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).
12. Applicants understand and accept that gift distribution is facilitated by MoneyHero; Citibank (Hong Kong) does not have any liability or responsibility for the gift distribution.
13. In the event of any discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.