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1. By participating in this Campaign, you acknowledge that you have read and agreed to these Campaign terms and conditions.

2. The Campaign period is from 23 November 2020 to 6 December 2020 (both dates inclusive) (“Campaign Period”).

3. To participate in the Campaign, you must:

3.1 be a Welab Bank Limited (“WeLab Bank”) customer who hold a valid bank account with us; and

3.2 be a follower of WeLab Bank’s Official IG Account (@welab.bank) on Instagram (“Official IG Account”)

4. To participate in this Campaign and to stand a chance to win the Campaign Prize, you must complete all of the following:

4.1 ‘Like’ and tag 2 friends on the Campaign announcement post (posted on 23 November 2020) on our

Official IG Account;

4.2 In the ‘Comment’ section of the post, tell us why you like spending with the WeLab Debit Card;

4.3 Take a picture of your WeLab Debit Card and the item you bought with the WeLab Debit Card;

4.4 Post the picture on your IG profile as a wall post, tag @welab.bank and add hasthtag

‘#WeLabDebitCard’ in your post; and

4.5 Take a screencap of your post (showing the tags), and copies of your receipts of the purchased item,

and send by Instagram direct message to @welab.bank before 11:59pm on 6 December 2020.

5. WeLab Bank will select and rank 8 most creative participants throughout the Campaign Period as winners. Each winner will be entitled to a prize designated by WeLab Bank (“Campaign Prize(s)”). The Campaign Prizes will be allocated according to the winners’ ranks, as follow:



6. You can only be a winner and win a Campaign Prize once throughout the Campaign Period. WeLab Bank will verify your status as a winner through the information you provide in Clause 8 below.

7. WeLab Bank will announce the 8 winners on our Official IG Account on 14 December 2020 (“Result Announcement Date”). You are responsible to check the announcement of winners on the Result Announcement Date. The winners must contact WeLab Bank via direct message on Instagram.

8. The winners must provide the following information for identity verification and Campaign Prize redemption purposes, within seven (7) calendar days from the Result Announcement Date:

8.1 Full name as shown on HKID; and

8.2 Date of birth as shown on HKID (i.e. dd/mm/yyyy); and

8.3 The prefix and first 4 digits of the HKID number (e.g. A1234); and

8.4 Mobile contact number; and

8.5 Email address.

9. Upon receiving the winners’ direct messages, a redemption notification for the Campaign Prize will be sent to the respective winner via the email address provided by the winner (“Redemption Notification”).

10. The winners have to present a copy of the Redemption Notification and the original HKID in person at WeLab Bank’s designated venue to redeem the Campaign Prize, no later than 15 January 2021. WeLab Bank reserves the right to change the Campaign Prize redemption date(s) and/or method at any time.

11. If a winner: (a) does not maintain a valid and active Instagram and/or email account through which WeLab Bank could contact them on, (b) closes his/her WeLab Bank account before the redemption of the Campaign Prize, (c) does not comply with these Campaign terms and conditions, and/or (d) does not provide the information or provide inaccurate and incomplete information requested in Clause 11, WeLab Bank has the right to: (a) disqualify the winner, and/or (b) withhold the Campaign Prize from the winner without prior notice.

12. WeLab Bank shall not be liable for a winner’s failure or inability to redeem a Campaign Prize whether due to a winner not receiving communications or otherwise.

13. For any collection and use of your personal data through this Campaign, please refer to WeLab Bank’s Personal Information Collection Statement (https://www.welab.bank/en/legal/privacy-policy/).

14. By redeeming and accepting the Campaign Prizes, the winners grant WeLab Bank full, global, royalty free and perpetual rights to take videos and/or photographs of the winners and use the images resulting from the videography and/or photography, and any reproductions or adaptations of the images for marketing and promotional and/or publicity purposes. This includes, but is not limited to, the right to use them in their printed and online publicity, social media and press releases.

15. The Campaign Prizes are non-transferable or non-exchangeable for cash. WeLab Bank reserves the right to offer an alternative prize as replacement without prior announcement. A winner shall not be entitled to any compensation, refund or alternative prize due to a failure to redeem or claim a Campaign Prize.

16. WeLab Bank is not the supplier of the Campaign Prizes provided under or in connection with this Campaign. WeLab Bank shall have no liability or responsibility relating to any aspect of or disputes arising from the use of the Campaign Prizes (including but not limited to the warranty, if applicable) provided by the suppliers. The winners acknowledge that he/she shall direct all disputes and/or enquiries relating to the Campaign Prizes to the relevant suppliers. The Campaign Prizes may be subject to additional terms and conditions of the respective suppliers.

17. WeLab Bank reserves the right to vary, modify and terminate the above Campaign (including but not limited to the Campaign Period and the Campaign Prizes) and to amend any of these Campaign terms and conditions at any time without any notice. In case of disputes in relation to the Campaign, WeLab Bank’s decision shall be final and binding.

18. This Campaign is organized by Welab Bank Limited.

19. If there is any inconsistency or conflict between the English and Chinese version, the English version shall prevail.

Effective date: 23 November 2020