This “SNACK TRAVELLER JULY 2024 LUCKY DRAW” is organised by Income Insurance Limited (“Income Insurance”). By participating in this Promotion, all participants must have read, understood, accepted and agreed to comply with the terms and conditions stated here.
DEFINITIONS:
In this Terms of Offer the following terms shall have the meaning assigned to them below:
- Promotion” or “Lucky Draw” means SNACK TRAVELLER JULY 2024 LUCKY DRAW
- “Income Insurance” means Income Insurance Limited.
- “SNACK” means SNACK BY INCOME.
- “SNACK App” means the SNACK BY INCOME mobile application.
- “Prize” means prize won by the participants when they participate in the Promotion.
- “Travel Insurance” means the Income’s Travel Standard Per-Trip Insurance policy
- ”Premiums” means the amount of money that was used to buy the Travel Insurance.
- "Voucher" for this Promotion will be in the form of eCapitaVoucher.
PROMOTION OFFER:
Income is offering a $6 Voucher and 1 entry to Lucky Draw to the applicant (“You”), for each successful purchase of Travel Insurance during the Promotion Period subject to these Terms and Conditions.
ELIGIBILITY:
1). You will be eligible for the Promotion if:
i) you are a Singapore Citizen or Singapore Permanent Resident;
ii) you are between 18-61 years old (inclusive of both years);
iii) you are a registered SNACK user; and
iv) you have purchased a Travel Insurance via the SNACK App during the Promotion Period:
a) New business applications must be submitted through the Dedicated Link during the Promotion Period;
b) The Advisor Code / SP Code must remain unchanged at 600472; and
c) Premium payment must be successfully received by Income Insurance during the Promotion Period; and
d) You must not cancel your Travel Insurance.
PROMOTION PERIOD:
2. The Promotion is valid from 12 JULY 2024 until 31 AUGUST 2024 (inclusive of both dates) (the “Promotion Period”).
VOUCHER:
3. If you are eligible for the Voucher, it will be issued to you via email by 31 Oct 2024.
4. Each applicant shall only be entitled to the Voucher once per policy purchase, under the Promotion.
5. The Voucher is non-exchangeable for cash or benefit in kind.
6. Income Insurance reserves the right to replace the Voucher with items of similar value ("Replacement Item") at any time without prior notice.
QUALIFYING CHANCE AND MECHANICS
7. Each applicant who is eligible for the Promotion in accordance with paragraph 1 above will automatically be awarded with 1 entry, which will be added into the pool of entries on 31 August 2024 for the Lucky Draw.
8. All qualifying entries will be entered into a computer database. The Lucky Draw will be conducted in a transparent manner, and winners will be computer-generated. Each Winner will only be eligible for 1 Prize.
9. The Lucky Draw will be conducted privately on 24 September 2024, 1500hrs at Income Centre (75 Bras Basah Rd, Income Centre, Singapore 189557) by a manager of Income’s Digital Business and witnessed by a licensed scrutineer that is not associated with Income Insurance or otherwise involved in the conduct of the Lucky Draw.
10. Prize winners will be announced in the SNACK App and Instagram page within 7 days after the draw. An email notification and/or in-app push notification will be sent to the respective winners, and winners will have to follow the instructions stated on the email or push notification to redeem their Prize.
11. The Prize is non-transferable or non-exchangeable for cash, credit or benefits in kind, in full or part.
12. Income Insurance reserves the right to substitute the prize with another prize of a similar value, whether of similar nature or otherwise (“Replacement Prize”) without prior notice.
13. By participating in this campaign, you consent to Income Insurance announcing your full legal name as stated in your NRIC and/or last 4 digits of NRIC, in the event that you are a Prize winner, in our winner’s announcement. You also consent to the collection, use and disclosure of your Personal Data as stated in paragraph 18 below.
Winner List Update:
| S/N | NAME | NRIC |
| 1 | SOH JIA WEN | SXXXX999D |
| 2 | KHAN ZARCHI WIN | SXXXX042F |
| 3 | RAJVIND SINGH S/O GULCHARAN SINGH | SXXXX171I |
14. The Prize is set out as per below:
| S/N | Prizes | Quantity |
| 1 | DJI OSMO POCKET 3 Camera | 3 |
PRIZE REDEMPTION
15. Prize Collection Deadline – Prizes or Replacement Item(s) that are not redeemed from our appointed service providers or partners by 31 OCTOBER 2024, 2359hrs, as stated in the redemption instructions at paragraph 6 above or otherwise notified by Income Insurance in the case of Replacement Item(s), will be forfeited at Income Insurance’s sole discretion.
16. Income Insurance reserves the right to disqualify or disregard any entry which is determined to be improper or non-compliant with the eligibility conditions at its sole discretion, without disclosing or providing any reason whatsoever.
17. Where a winner fails to comply with any other instruction or condition specified by Income Insurance, or it is subsequently discovered that the winner was not eligible for the Promotion, the Voucher, Prize or Replacement Item or Replacement Prize may be forfeited at Income Insurance’s sole discretion.
18. This Promotion does not affect or change any term, condition and exclusion of the policy contract of the Travel Insurance. The precise terms, conditions and exclusions of the such policy are specified in the policy contract.
19. Voucher, Prize or Replacement Item or Replacement Prize given out under this Promotion or any component thereof may be subject to separate terms and conditions imposed by the merchant or manufacturer of such Voucher, or Replacement Prize or any component thereof (such as, in the case of travel tickets, the relevant terms and conditions governing such travel tickets). Income Insurance is not the merchant or manufacturer of the Voucher or Replacement Prize and provides no warranty in respect of the same. Income Insurance makes no warranties and shall not be responsible for all warranties, expressed or implied, including implied warranties of merchantability, quality or fitness for a particular purpose, and against infringement of intellectual property rights in respect of the Voucher, or Replacement Prize.
20. Under no circumstances shall Income Insurance be liable to any customer or party, whether in contract, tort (including negligence) or otherwise, for any liabilities, losses, damages, claims, costs and expenses (including any special or consequential damages or losses) in connection with, related to or resulting from the Promotion, Voucher, or Replacement Prize, including the use or forfeiture or such Voucher or Replacement Prize.
21. Income shall not be held responsible for any problems with the network, computer hardware or software or any breakdown or failure that results in the entry, communication or information in connection with the Lucky Draw becoming incomplete, damaged or lost.
22. Personal Data – By participating in this Promotion, you consent to the collection, use and/or disclosure of your Personal Data by us, and/or by our appointed service providers or partners regarding the redemption of the Voucher or Replacement Prize and sharing your information to the appointed service providers or partners as Income Insurance may in our reasonable discretion determine is necessary to facilitate the redemption of the Voucher or Replacement Prize. Any collection, use and disclosure of customers’ personal data will be strictly in accordance with Income Insurance’s Privacy Policy, a copy of which may be obtained from https://www.income.com.sg/privacy-policy.
23. No joint venture, sponsorship, tie up, agency or any other relationship is intended or created between Income Insurance and the manufacturer or merchant in respect of the Voucher, or Replacement Prize. Neither is the Promotion intended or deemed to be a connection with or use of the brand name of merchant or manufacturer of the Voucher, or Replacement Prize, including with the products and services offered by the other merchants.
24. As organiser of this Promotion, Income Insuranceʼs decision on all matters relating to this Promotion (including the issuance of the Voucher, Prize or Replacement Item or Replacement Prize is final, conclusive and binding and no correspondence or appeals will be entertained.
25. Income Insurance reserves the right vary these terms and conditions, or withdraw or discontinue the Promotion at any time without any notice or liability to any party.
26. In the event of any inconsistency between the terms and conditions of the Promotion and any brochures, marketing or promotional materials relating to the Promotion, these terms and conditions shall prevail.
Important Notes:
- This material shall not constitute an advice of the suitability of the product. You should seek independent advice from a qualified advisor where in doubt. Buying insurance products that are not suitable for you may impact your ability to finance your future insurance needs.
- The relevant policy contracts shall be made available to the applicant via the SNACK App.
- Protected up to specified limits by SDIC.
Information is correct as at 20 SEP 2024.
