5.3 The Draw will be conducted using an electronic system on such date as the Bank may determine at its own discretion.
 
5.4 The Bank reserves the right to draw reserve winners to replace any winner who is or may be subsequently found to be disqualified from the Draw.

5.5 Winners of the Draw will be notified by phone based on their registered phone number(s) in the Bank’s record. Prizes must be collected personally by the Winner or by an authorised representative at their preferred Samima outlet.
 
5.6 If collection is made by an authorised representative, he/she must present the original duly signed authorisation letter from the Winner and his/her original identity card at the point of collection.

5.7 The Bank reserves the right to substitute or replace the Prizes with any alternative prize or gift of similar value without prior notice.

5.8 The Prizes or alternative prize or gift are not transferable or exchangeable for cash, credit or any other prize or gift in full or in part and is not refundable or replaceable.

5.9 The Bank shall be entitled to use the names, identification numbers and pictures/photographs of the Winners for publicity materials; and may engage any Winners for its publicity purposes without any compensation whatsoever and in such manner as the Bank determines.

6. 0% Instalment Plan Offer

6.1 Eligible Credit Cardholders will enjoy full processing fee waiver when they convert their purchases into 6 or 12 monthly instalments on Baiduri 0% Instalment Plan during the Offer Period.

6.2 0% Instalment Plan Terms and Conditions apply. Click here for details.

7. General

7.1 This Offer is not valid with other ongoing promotions, offers, vouchers, rebates or privileges.

7.2 This Offer is also subject to the Bank and the Merchant’s terms and conditions relating on the related products and any other applicable documents.

7.3 The Bank makes no warranty or representation as to the quality, merchantability, or fitness for purpose of the Merchant’s goods and services. Any disputes in relation to this Offer are to be directed solely to the Merchant.

7.4 The Bank and the Merchant reserve the right to amend, withdraw, or vary any of these Terms at their sole discretion without prior notice.

7.5 The decision by the Bank and the Merchant on all matters relating to the Offer is final, binding, conclusive and no correspondences will be entertained.

7.6 Eligible Cardholders consent to the collection, use and disclosure of their personal data by/to the organisers, promoters or conductors of this Offer and such other third parties for the purpose of this Offer, in accordance with the Group Privacy Policy. Eligible Cardholders 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.

7.7 In the event of any inconsistency between the Terms and any promotional materials related to the Offer, the Terms shall prevail.

7.8 The Terms shall be governed by and construed in accordance with the laws of Brunei Darussalam.