4.2 Promotional interest rates are only applicable to qualifying fresh funds successfully placed during the Promotion Period and approved by Baiduri Finance.
4.3 ‘Fresh funds’ refer to funds originating from outside Baiduri Finance and/or Bank during the Promotion Period, and which have not been transferred, withdrawn, and redeposited from any account maintained with Baiduri Finance and/or Bank within the preceding thirty (30) calendar days.
4.4 Baiduri Finance reserves the right to verify the source of funds and to determine, at its sole discretion, whether any deposit qualifies as fresh funds under this Promotion.
4.5 Early withdrawal, whether in full or in part, shall be subject to an early withdrawal handling fee of BND20 and may result in the promotional interest rate ceasing to apply:
(a) Where the placement is withdrawn before one (1) month, no promotional interest/profit shall be payable.
(b) Where the placement is withdrawn after one (1) month but before maturity, the promotional interest will be recalculated based on Baiduri Finance’s prevailing rate and the actual tenor maintained.
(c) In the event of a partial withdrawal, if the remaining balance falls below the minimum qualifying placement amount for the Promotion, the promotional interest rate may no longer apply to the remaining balance.
4.6 Baiduri Finance reserves the right to reject, decline, or refuse any placement, application, or participation in the Promotion in accordance with these Terms, including where:
(a) Any information or document provided is incomplete, inaccurate, or cannot be satisfactorily verified;
(b) The placement is suspected to involve fraudulent, unlawful, suspicious, or irregular activity; or
(c) Baiduri Finance considers such participation to be inconsistent with these Terms.
4.7 This Promotion is subject at all times to the prevailing terms and conditions governing FD accounts and any other applicable terms, policies, disclosures, or documents issued by Baiduri Finance.
5. General
5.1 Baiduri Finance reserves the right to amend, vary, suspend, withdraw, or terminate the Promotion and/or these Terms at any time, where reasonably necessary, without prior notice.
5.2 Baiduri Finance reserves the right to determine all matters arising out of or in connection with the Promotion, and Baiduri Finance’s decision shall be final, conclusive, and binding.
5.3 In the event of any inconsistency between these Terms and any advertising, promotional, publicity, or other marketing materials relating to the Promotion, these Terms shall prevail.
5.4 By participating in this Promotion, Eligible Customers consent to the collection, use and disclosure of their personal data for purposes related to the administration of the Promotion, including verification of eligibility and record-keeping, in accordance with the Group Privacy Notice. Eligible Customers confirm that they have read and agree to be bound by the terms of the Group Privacy Notice, as may be amended, supplemented and/or substituted from time to time. A copy of the privacy notice is available at www.baiduri.com.
5.5 These Terms shall be governed by and construed in accordance with the laws of Brunei Darussalam.
