MASTER TERMS & CONDITIONS – Pay2Home Promotions

1. Organiser
   1. All promotional campaigns (“Campaign”) are organised by P2H (Hong Kong) Pte Limited (“Pay2Home”).
   2. These Master Terms & Conditions (“Master T&Cs”) apply to all campaigns conducted by Pay2Home. Each campaign will include a Campaign Schedule, which forms part of these Master T&Cs.
2. Acceptance of Terms and Conditions
   1. By participating in any campaign, you (“You” or “Participant”) agree to be bound by:
   1. these Master T&Cs;
   2. the applicable Campaign Schedule; and
   3. all decisions of Pay2Home relating to the Campaign.
   2. Pay2Home may update or modify these Master T&Cs at any time. Any such updates shall take effect once published together with, or reflected in, the applicable Campaign Schedule.
3. Campaign Period
   1. The start and end dates of each Campaign (“Campaign Period”) shall be specified in the applicable Campaign Schedule.
   2. Pay2Home may vary, extend, shorten, or terminate the Campaign Period at its discretion.
   3. The Campaign shall be conducted in accordance with the mechanics specified in the applicable Campaign Schedule.
4. Eligibility
   1. Unless otherwise stated in the Campaign Schedule, the Campaign is open to all Pay2Home account holders who complete at least one qualifying transaction or qualifying activity during the Campaign Period. For the purpose of these Terms, “qualifying activity” refers to any action or requirement specified in the applicable Campaign Schedule that is objectively verifiable by Pay2Home’s records.
   2. Pay2Home employees, their immediate families, and corporate customers are not eligible, unless otherwise stated.
   3. All information submitted must be accurate. Pay2Home may disqualify Participants who provide incomplete, inaccurate, or misleading information.
   4. The qualifying transaction requirements are specified in the Campaign Schedule.
   5. Pay2Home’s determination of eligibility and entry qualification is final.
5. Entries
   1. Multiple entries are permitted unless stated otherwise.
   2. Pay2Home may reject entries that are incomplete, invalid, fraudulent, or non-compliant.
6. Prizes
   1. The type, quantity, and value of prizes for each Campaign are defined in the Campaign Schedule. Prizes or rewards may include cash, cashback, vouchers, discounts, merchandise, gifts, or any other benefits as specified in the Campaign Schedule.
   2. All prizes are non-transferable, non-exchangeable, and not redeemable for cash.
   3. Pay2Home may substitute any prize with another of equal or greater value without prior notice.
   4. Pay2Home is not responsible for the quality, safety, merchantability, functionality, or fitness of any prize, or for third-party fulfilment.
7. Reward Determination & Fulfilment
   1. The determination of eligible participants and/or winners (where applicable) shall be conducted in accordance with the applicable Campaign Schedule.
   2. Prizes or rewards shall be distributed, fulfilled, credited, or made available in the manner specified in the applicable Campaign Schedule.
   3. Where reasonably required, Pay2Home may require participants to provide valid identification or complete verification procedures prior to reward fulfilment. Failure to comply may result in forfeiture.
   4. Pay2Home reserves the right to verify eligibility, identity, account information, and qualifying transactions or activities, and may reject or void any reward claim that is fraudulent, invalid, or non-compliant.
8. Fraud, Misconduct & Disqualification
   1. Pay2Home may disqualify Participants who:
      1. tamper with mechanics or systems;
      2. engage in fraudulent or suspicious transactions;
      3. violate these Terms; or
      4. act in a manner that undermines fairness;
      5. in referral-based campaigns, submit referrals that are not genuine new customers, including self-referrals, duplicate accounts, or artificial transactions.
      Pay2Home may pursue legal remedies for fraudulent behaviour.
9. Limitation of Liability & Indemnity
   1. Pay2Home is not liable for any loss, injury, damage, or claim arising from participation, prize acceptance, system failures, or third-party actions.
   2. Participants indemnify Pay2Home against claims arising from their acts or breaches.
10. Data Protection & Publicity
    1. By participating, You consent to Pay2Home collecting, using, and disclosing your personal data for administration, verification, publicity, prize fulfilment, regulatory purposes, and marketing communications.
    2. Pay2Home may publish a winner’s name, likeness, photos, videos, statements, or social media profile for publicity without further compensation.
    3. Personal data will be handled according to Pay2Home’s Privacy Policy.
11. General Terms
    1. Pay2Home may amend these Terms or the Campaign Schedule at any time.
    2. Pay2Home may suspend, terminate, extend, or shorten any Campaign.
    3. All decisions by Pay2Home relating to the Campaign are final. No appeal or correspondence will be entertained.
    4. In case of inconsistency between these Master T&Cs and the Campaign Schedule, the Campaign Schedule prevails for campaign-specific matters.
12. Governing Law
    1. These Terms are governed by the laws of Hong Kong.
    2. A person who is not a Participant has no rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) of Hong Kong.

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CAMPAIGN SCHEDULE
Pay2Home HK – Raya Scratch and Win 2026

This Campaign Schedule sets out the specific details, mechanics, eligibility conditions, reward structure and fulfilment arrangements for the applicable Campaign. It forms part of, and must be read together with, the Master T&Cs. In the event of any inconsistency between this Campaign Schedule and the Master T&Cs, this Campaign Schedule shall prevail for matters relating specifically to the Campaign.

Section	Campaign Details
Campaign Name	Pay2Home HK - Raya Scratch and Win 2026
Campaign Period / Participation Windows	5 March – 30 April 2026
Campaign Description	The Pay2Home Hong Kong – Raya Scratch and Win 2026 Campaign is an instant reward promotion. Eligible Pay2Home Hong Kong customers who successfully complete a qualifying money transfer during the Campaign Period will receive one (1) Raya Scratch & Win card, subject to these Terms and Conditions. Prizes are revealed and redeemed immediately at participating Pay2Home Hong Kong outlets, while stocks last.
Eligibility Requirements: Qualifying Transaction / Qualifying Activity	The Campaign is open to all individual Pay2Home Hong Kong account holders who successfully complete at least one (1) eligible money transfer of HK$500 or above during the Campaign Period, through any Pay2Home Hong Kong service channel and to any destination.
Entry Mechanics	Multiple entries allowed. Each qualifying transaction of HK$500 or above entitles the customer to one (1) Raya Scratch & Win 2026 card, subject to availability.
Reward Fulfilment & Distribution	Raya Scratch & Win 2026 cards will be issued upon completion of an eligible transaction and must be revealed immediately. All prizes must be redeemed on the spot at participating Pay2Home Hong Kong outlets, subject to stock availability. In the event that a particular prize is unavailable at the time of redemption, Pay2Home reserves the right to substitute the prize with another prize of equal or greater value. No further notification will be provided. Participating Outlets: Pay2Home Hong Kong Ap Lei Chau Outlet Pay2Home Hong Kong Hung Hom Outlet
Reward Structure	A total of Five Thousand (5,000) Raya Scratch & Win 2026 cards will be available during the Campaign Period at both participating outlets, while stocks last. Each card will contain one (1) of the following outcomes: Five (5) mystery gifts Four Hundred (400) water bottles One Hundred (100) foldable recycle bags Two Hundred (200) coin pouches One Hundred (100) hand soap One Hundred (100) foldable chairs One Thousand (1,000) tea sachets One Thousand (1,000) HK$5 discount vouchers applicable to one (1) subsequent money transfer, valid until 30 June 2026. Five Hundred (500) HK$10 discount vouchers applicable to one (1) subsequent money transfer, valid until 30 June 2026. One Thousand Five Hundred and Ninety-Five (1,595) “Thank You” Messages (non-winning cards)
Prize Quantity / Allocation	A total of Five Thousand (5,000) Raya Scratch & Win 2026 cards will be distributed during the Campaign Period, while stocks last.
Campaign Terms & Conditions	https://pay2home.com/promotion/hk-raya-scratch-and-win-2026