Terms and Conditions – Pay2Home Year End Lucky Draw 2022

1. The Organiser
   1. The Pay2Home Year End Lucky Draw 2022 (“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 20^th October 2022, 00:00 hr and ends on 1^st January 2023, 23:59 hr (“Lucky Draw Period”).
   2. Pay2Home reserves the right to change 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. The 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) of the following during the lucky draw period and each of these transactions will entitle you to ONE (1) chance in the lucky draw:
      • A paid and completed remittance or bill payment transaction to any destination countries
      • A product purchase from Shop@Pay2Home
      • A payment for previous purchase from Shop@Pay2Home
      • A paid Priority2Protect insurance product
      Double your lucky draw chances when you transact with the Pay2Home Mobile app for any of the following services above.
   5. 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 prizes are as follows:

      Grand Draw Prizes

      • 1st Prize: 1 winner x cash prize of S$688 each
      • 2nd Prize: 2 winners x cash prize of S$588 each
      • 3rd Prize: 3 winners x cash prize of S$388 each

      Consolation Prizes

      • 10 winners x cash prize of S$88 each
      • 20 winners x cash prize of S$50 each
      • 60 winners x cash prize of S$10 each

      Fortnightly Draw Prizes (to be equally distributed between 5 fortnightly draws)

      • 15 winners x 1 Gold Coin worth S$99 each
      • 40 winners x cash prize of $50 each
   2. The prizes are non-negotiable, NON-exchangeable for cash, credit or kind, in full or in part, and is not replaceable if lost, damaged or stolen.
   3. 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.
   4. 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 one hundred and fifty-one (151) winners for this lucky draw.
   2. The grand draw will be conducted on 5^th January 2023, 14:00 hr at 287 Beach Road, Singapore 199551.
   3. The fortnightly draw will be conducted on the following dates at 1400 hr at 287 Beach Road, Singapore 199551:
      • 31^st October 2022
      • 15^th November 2022
      • 19^th November 2022
      • 13^th December 2022
      • 27^th December 2022
   4. 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.
   5. Should you be one of the winners, you will be notified by telephone calls or any possible means of contact deemed appropriate by Pay2Home with information as to when and where the prizes can be collected.
   6. If you (i) cannot be contacted after a period of fourteen (14) days following reasonable attempts made by Pay2Home; (ii) refuse to accept the prize; (iii) do not collect the prize within thirty (30) days, it shall be deemed that you have forfeited and automatically waived all rights to claim the prize, and Pay2Home may at its sole discretion pick an alternative winner.
   7. 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.
   8. 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 change on terms and conditions 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.