Terms and Conditions – Pay2Home Adventure of Rewards 2026

1. The Organiser
   1. The Pay2Home Adventure of Rewards 2026 (“Lucky Draw”) is organised by Wandr Pte. Ltd., hereafter known as “Pay2Home”.
2. Acceptance of Terms and Conditions
   1. By registering or taking part in this Lucky Draw, the participant (“You”) agree to be bound by these terms and conditions, available at www.pay2home.com/termsandconditions, and any definitions contained herein, along with the decisions of Pay2Home in relation to and in connection with this lucky draw.
3. Qualifying Period
   1. The Lucky Draw commences on 7^th January 2026, 00:00 hrs and ends on 6^th January 2027, 23:59 hrs (“Lucky Draw Period”).
   2. The Lucky Draw comprises four (4) quarterly draws. Each quarter has its own participation window as follows:
      • Q1: 7 January 2026, 00:00 hrs to 6 April 2026, 23:59 hrs.
      • Q2: 7 April 2026, 00:00 hrs to 6 July 2026, 23:59 hrs.
      • Q3: 7 July 2026, 00:00 hrs to 6 October 2026, 23:59 hrs.
      • Q4: 7 October 2026, 00:00 hrs to 6 January 2027, 23:59 hrs.
      Pay2Home may vary any quarterly participation window at its sole discretion.
   3. Pay2Home reserves the right to amend the Lucky Draw period.
4. Eligibility
   1. The Lucky Draw is open to all Pay2Home account holders (members) with at least one qualifying transaction during the Lucky Draw period.
   2. Employees of Pay2Home and members of their immediate families will not be eligible to participate.
   3. Corporate customers of Pay2Home are not eligible to participate in this Lucky Draw.
   4. To be eligible for the Lucky Draw, you must successfully complete at least one (1) remittance transaction during the Lucky Draw period using any Pay2Home service channels to remit funds of any amount to any Pay2Home destinations..
   5. Participants will receive additional chances for the Lucky Draw under the following conditions:
      • Mobile App Transactions: Each eligible remittance completed through the Pay2Home Mobile App will earn double chances per transaction.
      • Frequent Transactors: Participants who complete at least one remittance each month within the same quarter will qualify as “Frequent Transactors” and will earn double chances for all eligible transactions made during that quarter.
   6. Pay2Home reserves the right to determine in its sole and absolute discretion, all matters arising out of or in connection with the Lucky Draw, including whether you satisfy the criteria to participate in the Lucky Draw and/or your eligibility for the Lucky Draw. Pay2Home’s determination of all matters relating to the Lucky Draw shall be final and binding, with no obligation to disclose its reason(s). No appeal, objection, challenge or correspondence will be entered into.
5. Entries Permitted
   1. Multiple entries permitted.
6. Prizes
   1. The lucky draw consists of four (4) quarterly draws, with the prizes for each quarter as follows:

      First quarter: The Golden Fortune Begins

      • one (1) winner of one motorbike (value: up to SGD 2,000)
      • three (3) winners of one gold bracelet each (value: up to SGD 688)
      • five (5) winners of one gold pendant each (value: up to SGD 388)
      • eighty (80) winners of one SGD 30 wallet credit each

      Second quarter: The Market Chase

      • one (1) winner of one motorbike (value: up to SGD 2,000)
      • three (3) winners of one shopping voucher each (value: SGD 500)
      • five (5) winners of one shopping voucher each (value: SGD 300)
      • eighty (80) winners of one SGD 30 wallet credit each

      Third quarter: The Digital Discovery

      • one (1) winner of one motorbike (value: up to SGD 2,000)
      • three (3) winners of one OPPO phone each (value: up to SGD 500)
      • five (5) winners of one OPPO tablet each (value: up to SGD 380)
      • eighty (80) winners of one SGD 30 wallet credit each

      Fourth quarter: The Great Escape

      • one (1) winner of one motorbike (value: up to SGD 2,000)
      • three (3) winners of one travel gift voucher each (value: SGD 500)
      • five (5) winners of one holiday cash bonus each (value: SGD 300) and one hamper (value: up to SGD 50)
      • eighty (80) winners of one SGD 30 wallet credit each
      All prizes are non-negotiable and are not exchangeable for cash, credit, or other items in full or in part. Prizes are non-transferable and will not be replaced if lost, damaged, or stolen.
   2. Pay2Home reserves the right to, at any time and in its sole and absolute discretion, without notice or assigning any reason therefore, to replace and/or substitute any of the prizes with any other prizes of equal or similar value.
   3. Pay2Home will not be liable or responsible for any defects, deficiency, quality, merchantability, or any other aspect of the prize(s), or any goods or services redeemed/claimed under the Lucky Draw, or the acts or defaults of the merchant, agent, supplier or service provider of the prize(s) or any goods or services redeemed/ claimed under the Lucky Draw.
7. Winners and Notification
   1. There will be a total of three hundred and fifty-six (356) winners for this Lucky Draw.
   2. The draws will be conducted quarterly on the 15th day of April 2026, July 2026, October 2026, and January 2027, or on the next working day if the 15th falls on a weekend or public holiday, at 287 Beach Road, #04-00, Singapore 199551.
   3. Pay2Home’s decision as to the eligibility of participants and selection of winners is final. No correspondence relating to the Lucky Draw will be entered into.
   4. Should you be one of the winners, you will be notified by telephone, SMS, email, or other reasonable electronic means of contact using the details provided at the time of participation. Pay2Home shall not be responsible for any failure to contact a winner due to inaccurate or outdated contact information.
   5. If you (i) cannot be contacted within seven (7 days despite reasonable attempts by Pay2Home (including after public announcement, if any); (ii) refuse to accept the prize; or (iii) fail to collect the prize within thirty (30) days, you shall be deemed to have forfeited and automatically waived all rights to claim the prize. Pay2Home may, at its sole discretion, select an alternate winner.
   6. To claim/redeem the prize, you may be required to sign and return to Pay2Home an Affidavit of Eligibility/ Liability Release Form including, if so required, a publicity release form within thirty (30) days of notification date. Any such documents not duly completed and/or returned to Pay2Home may result in the forfeiture of prize.
   7. Pay2Home reserves the right, where necessary, to undertake all such action as is reasonable to protect itself against fraudulent or invalid claims including, without limitation, to require further verification as to the your identity, age, and other relevant details.
8. Limitation of Liability / Indemnity
   1. By entering the Lucky Draw, you agree to release Pay2Home from any liability whatsoever for any claims, costs, injuries, losses, or damages of any kind arising out of or in connection with the Lucky Draw or with the acceptance, possession, attendance at or use of any prize.
9. General Terms
   1. Pay2Home reserves the right, at anytime and in its sole and absolute discretion, without notice or assigning any reason therefore, to vary, modify, add, or revise any of the terms and conditions governing the Lucky Draw or terminate, withdraw, extend or shorten the Lucky Draw, with or without notice or reason. Such changes shall be effective immediately upon posting to this webpage and you understand and agree to be bound by any such variation.
   2. By participating in this Lucky Draw, you will be deemed to have consented to Pay2Home to use any information which includes but is not limited to your name, likeness, images or photographs, and your public social media profiles or information for Pay2Home’s advertising and promotional purposes for unlimited period without additional compensation unless prohibited by law.
   3. As a condition of accepting the prize(s), the winner(s) will be required to sign and return to Pay2Home any legal documentation in the form required by Pay2Home in its absolute discretion, including but not limited to a legal release and indemnity form.
10. Applicable Law
    1. The Lucky Draw and these terms and conditions shall be governed by the laws of the Republic of Singapore and you are deemed to have irrevocably submit to the non-exclusive jurisdiction of the courts of Singapore. Any person who is not a participant to this Lucky Draw shall have no rights under the Contracts (Right of Third Parties) Act to enforce any of these terms and conditions.