A. Contest Details

1. Definitions:
   1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
   2. “Promotion” means this promotion of whereby Eligible Customers maybe eligibles for a Reward provided they meet the criteria set out herein.
   3. “Promotion Period” means the period between 7 October to 31 December 2024 (both dates inclusive)
   4. “Eligible Customer” means policyholders who change their policy(ies) premium payment method from cheque to GIRO and Credit Card and with at least 2 successful deductions after the update in premium payment method. Each Eligible Customer is entitled to a maximum of one (1) Reward.
   5. “Reward” means a S$20 digital gift voucher redeemable from participating merchants such as Amazon Singapore, Apple App Store & iTunes, Dairy Farm, Deliveroo, Frasers Property, Grab, GrabFood, Lazada, CapitaStar and NTUC FairPrice. Please note that these merchants are subject to change Prudential.
   6. “Reward Redemption” means the redemption of the Reward in accordance with the Reward Notification.
2. Eligibility
   

   To be eligible for the Promotion, the Eligible Customer has to satisfy the following requirements during the period 7 October to 31 December 2024 (both dates inclusive)(“Promotion Period”) and provided always that you satisfy all the qualifying criteria set out in these Terms and Conditions.

   1. Change the premium payment method from cheque to GIRO and Credit Card within the period between 7 October to 31 December 2024 (both dates inclusive); and
   2. At least 2 successful deductions following the change in payment method; and
   3. The applicable premium mode of payment must be on a monthly frequency.
   4. Each Eligible Customer is entitled to a maximum of one (1) Reward
3. Reward
   
   1. An Eligible Customer is entitled to receive the S$20 digital gift voucher values redeemable from participating merchants such as Amazon Singapore, Apple App Store & iTunes, Dairy Farm, Deliveroo, Frasers Property, Grab, GrabFood, Lazada, CapitaStar and NTUC FairPrice. Please note that these merchants are subject to change.
   2. Each Eligible Customer is entitled to a maximum of one (1) Reward.
4. Reward Redemption/Collection
   
   1. Prudential will issue a SMS or Email (“Redemption Notification”) to each Eligible Customer within three (3) months after the promotion ended.
   2. Eligible Customers shall be solely responsible for ensuring that they provide Prudential with a valid mobile phone number or email address for the purpose of redemption. The Eligible Customer agrees and accepts that Prudential will not be responsible for any consequences arising from his/her failure to provide Prudential with a true, complete, and accurate mobile phone number or email address and/or notify Prudential of any change(s) to his/her mobile phone number and email address.
   3. The Reward must be redeemed by the deadline stipulated in the Redemption Notification. If an Eligible Customer fails to claim his/her Reward within the stipulated redemption period in the Redemption Notification, his/her Reward will be forfeited, and the Eligible Customer shall not have any claim against Prudential for such forfeiture.
   4. Further details of the redemption procedures will be set out in the Redemption Notification.

B. General Terms and Conditions

1. By participating in the Promotion, each Participant is deemed to have accepted and agreed to be bound by these Terms and Conditions and any other instructions, terms and conditions that Prudential may issue from time to time.
2. Prudential assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms or email communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, garbled or delayed electronic transmission which may limit a Participant’s ability to participate in the Promotion.
3. Prudential may at its discretion forfeit the Reward, or, if already awarded, reclaim the Rewards without payment, compensation, or having to give any reason whatsoever.
4. Rewards are subject to availability while stocks last. Prudential reserves the right to replace any Reward with items of similar value at any time without prior notice.
5. Prudential shall not be liable for any loss of, damage to, defects, delay, mis-delivery or non-delivery of the Reward.
6. Prudential reserves the right to deal with any unclaimed Reward in any manner it deems fit. Prudential reserves the right to request for the Participant’s proof of eligibility, at the time of the reward collection.
7. The Reward is not exchangeable for cash, credit or any other items of equivalent value. The validity period of the Reward is non-extendable. Prudential will be under no obligation to replace or pay the Participants the value of any Rewards that are not utilised before the end of the validity period of the respective Rewards as may be stipulated by Prudential and/or relevant merchants.
8. By participating in this Promotion, each Participant agrees and consents under the Personal Data Protection Act (Cap 26 of 2012) to the collection, use and disclosure of any and all personal data of the Participant by/to Prudential, advertising and promotional agencies of the Promotion and such other third party, in Prudential’s absolute discretion, consider appropriate or necessary in connection with the Promotion.
9. If a Participant provides Prudential with personal data of any third party, that Participant hereby:
   1. Agrees on behalf of that third party to be bound by the Terms and Conditions contained herein; and
   2. Consents on behalf of that third party, to Prudential’s collection, use, disclosure and processing of his/her personal data in accordance with the Terms and Conditions contained herein.

   The Participant warrants that he/she has obtained the said third party’s prior consent to such collection, use, disclosure and processing of his/her personal data by Prudential and that the personal data that the Participant provides to Prudential is true, accurate and complete.

10. Prudential shall not be liable for any third party’s misuse of the Participant’s submitted information and photograph as a result of the Participant taking part in the Promotion.
11. Unless prohibited by law, participation in the Promotion constitutes permission for Prudential, its advertising and promotional agencies to use any of the Participant’s names, and/or likeness for advertising and promotional purposes. Each Participant further agrees and acknowledges that the copyright and all other intellectual property rights in and to all photographs or audio-video or other recordings of the Participant taken or made in connection with the Promotion shall vest solely and absolutely in Prudential without any compensation to the Participant.
12. Prudential may at any time at its absolute discretion, without prior notice or assigning any reason thereof or being liable to any person, (i) suspend, cancel or terminate the Promotion, or (ii) delete, vary, supplement, amend, modify any one or more of the terms and conditions of the Promotion. Prudential’s determination of all matters in connection with the Promotion and the Reward shall be final, binding and conclusive. Prudential is not obliged to give any reason or prior notice on any matter concerning the Promotion or the Reward. No appeal, correspondence or claims will be entertained. Prudential has the right and discretion to determine whether a party has met the requirements of the Promotion and/or to receive the Reward. Participants shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.
13. By participating in the Promotion, all Participants agree and undertake to, at all times, indemnify, keep indemnified, and hold Prudential, its employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by Prudential’s negligence), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and client or otherwise on a full indemnity basis whether or not incurred in respect of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the Promotion, acceptance or usage of any Reward, and/or any breach or purported breach of these Terms and Conditions and/or any applicable law.
14. Prudential makes no warranty or representation as to the quality, merchantability or fitness for purpose of the merchants’ goods and services in respect of the Reward. Any dispute about the same must be resolved directly with the merchant. Merchant terms and conditions apply.
15. In the event of any inconsistency or discrepancy between the Terms and Conditions and the contents of any brochure, marketing and/or promotional materials relating to the Promotion these Terms and Conditions shall prevail.
16. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Reward are the property of their respective owners. Prudential is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.
17. Failure by Prudential to exercise any of its right or remedy under these Terms and Conditions does not constitute a waiver of that right or remedy.
18. The Terms and Conditions shall be governed by Singapore law and the Participants agree to submit to the exclusive jurisdiction of the courts of Singapore.
19. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Right of Third Parties) Act (Cap 53B) to enforce any of these terms and conditions.