18. The Contest Prize is not transferable and non-exchangeable for up-front credit, cheque or in kind.
19. HLB reserves the right to replace the Contest Prize with any other item of equal value at its discretion.
20. It is the obligation of the Winners to send an email -to email@example.com to inform in the event of non-receipt of the Contest Prize by 31 March 2021 and to immediately re-arrange for the collection of the Contest Prize, failing which the Winners are deemed to have received the Contest Prize and any appeal/request for the reimbursement of the Contest Prize thereafter shall not be entertained.
22. By participating in this Contest, the Participants agree:
a) agree to have read, understood and be bound by the T&Cs herein;
b) agree that HLB’s decision on all matters relating to the Contest shall be final, conclusive and binding on all Participants and no further correspondence and/or appeal to dispute HLB’s decision shall be entertained;
c) authorise and consent to HLB’s usage, disclosure or publication of their FB username or IG Handle and Contest Entry at no cost for publicity, advertising, trade or promotion purposes in social media;
d) to be liable and shall personally bear all applicable taxes, government fees or any other charges that may be levied against them under applicable laws, if any, in relation to their participation in the Contest.
23. HLB reserves the right:
a) To add, delete, suspend or vary the T&Cs contained herein, either wholly or in part, at HLB’s discretion by way of posting on the –HLB’s Website or in any manner deemed suitable by HLB, at any time with notice;
b) To disqualify any Participants for any reason whatsoever as HLB may deem fit to participate in the Contest without assigning any reason thereof; and
24. In the event of any discrepancy between the T&Cs herein as compared to the advertising, promotional, publicity and other materials relating to or in connection with the Contest, the final T&Cs on HLB’s Website shall prevail.
25. All features of the Contest Prize in all printed materials, Bank’s Facebook Page, Bank’s Instagram Page and/or HLB’s Website are for illustration purposes only. Any props, accessories or equipment featured with the Contest Prize in any pictorial materials are for decorative purposes and shall not form part of the Contest Prize.
26. The T&Cs herein shall be governed by and construed in accordance with the laws of Malaysia and the Participants agree to submit to the exclusive jurisdiction of the Courts of Malaysia.
27. Words denoting one gender include all other genders and words denoting the singular include the plural and vice versa.