5.3 Each Eligible Customer may only win once throughout the Promotion Period. Winners from earlier draws will be excluded from subsequent ones.

5.4 By participating in this Promotion, Eligible Customers consent to the public disclosure of their names for promotional purposes, including winner announcements, in accordance with Clause 6.4 below.

5.5 Any unused or unselected entries will be rolled over into the next draw period, subject to eligibility.

5.6 The Prize is not transferable, refundable, or exchangeable for cash, credit, goods and services, products or privileges in full or in part.

6. General

6.1 This Promotion is governed by the terms and conditions of the Bank’s products and services, as well as any other applicable agreements between the customer and the Bank.

6.2 The Bank reserves the right to modify, suspend, or terminate this Promotion at any time without prior notice or liability.

6.3 All decisions made by the Bank in relation to this Promotion are final, conclusive, and binding. No appeals or correspondence will be entertained.

6.4 By participating in this Promotion, Eligible Customers consent to the collection, use and disclosure of their personal data by/to the organisers, promoters or conductors of this Promotion and such other third parties for the purpose of administering this Promotion, including (where applicable) the public disclosure of winner’s names on the Bank’s official Instagram account, in accordance with the Group Privacy Policy. Eligible Customers confirm that they have read and agree to be bound by the terms of the Group Privacy Policy, as may be amended, supplemented and/or substituted by the Bank from time to time, a copy of which can be found on www.baiduri.com.

6.5 The Terms are governed by and construed in accordance with the laws of Brunei Darussalam.