WeLab Bank Virtual Ben Campaign Referral Code Account Opening Reward Offer Terms and Conditions
 The WeLab Bank BENSIR Referral Code Account Opening Reward (“Offer”) shall be valid from 1 July 2021 to 30 September 2021 (both dates inclusive) (the “Offer Period”).
 The Offer is only applicable to new customers (“you” or “your”) who have successfully opened a bank account at Welab Bank Limited (“WeLab Bank”, “we”, “us” or “our”) using the referral code “BENSIR” within the Offer Period. To be a new WeLab Bank customer means you have not terminated and/or closed your WeLab Bank account in the twelve (12) months prior to the commencement of the Offer Period.
 An account opening is deemed to be successful only upon receiving a confirmation email from WeLab Bank indicating that the account opening request is approved and the account is set up. Upon receiving the confirmation email, you will be entitled to an account opening reward of HKD 200 spending rebate (“Account Opening Rebate”). The Account Opening Rebate is for all transactions made with your WeLab Debit Card (“Eligible Transactions”), capped at HKD 200 within 30 calendar days from the date of the receiving the confirmation email.
For example, if you receive the account opening confirmation email on 20 August 2021, your Eligible Transactions made between 20 August 2021 to 19 September 2021 will be entitled to the Account Opening Rebate, both days inclusive.
The Account Opening Rebate will be credited into your WeLab Bank Core Account within 10 working days of the next calendar month of the end of your Eligible Transaction period.
 You may only use one (1) referral code when opening a WeLab Bank account, and you will only be entitled to the Account Opening Rebate which corresponds with the referral code used. This Offer cannot be used in conjunction with other referral programmes which means if you have input any other invitation code/ referral codes when you apply for your WeLab Bank account, then you are not entitled to the Account Opening Rebate under this Offer.
 The Account Opening Rebate cannot be transferred, returned, exchanged or converted into other form, unless otherwise specified by WeLab Bank.
 If you request to close your account within one year upon receiving the account opening reward, we have the right to deduct the equivalent credited amount from your account prior to the closing of account or collect the equivalent amount from you through any other means.
 Your eligibility to participate in this Offer is subject to our final approval at our absolute discretion. Our decision shall be conclusive and binding.
 You agree and acknowledge that you are not entitled to receive any Account Opening Rebate if you close your Core Account at any time before the reward is credited into your Core Account.
 Any breach of applicable laws or regulations, fraud, abuse and/or non-compliance by you (as determined at our sole discretion) will result in forfeiture of your eligibility to participate in this Offer and/or suspension or termination of all or any of your Account(s) with us. We shall not credit the Account Opening Rebate or where the Account Opening Rebate has been credited, we reserve the right to debit the Account Opening Rebate from your Account(s) (including but not limited to your Core Account) without notice and/or take such necessary legal action to recover any outstanding amounts.
 These Offer terms and conditions shall be read in connection with our Account Terms (the “Account Terms”). In the event of inconsistency between these Offer terms and conditions, the Account Terms, the prevailing order shall be as follows:
(i) these Offer terms and conditions; and
(ii) the Account Terms.
 Terms defined in our Account Terms shall have the same meanings when used herein, unless otherwise defined.
 We reserve the right to suspend, modify or terminate this Offer and/or amend these Offer terms and conditions at any time. In the event of dispute, our decision shall be final, conclusive and binding.
 In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.
Effective date: 17 August 2021