1. This Bonus$aver Facebook Contest (the “Contest“) is organised by Standard Chartered Bank (Singapore) Limited (“Standard Chartered” or the “Bank“). The Bank will post a total of 3 posts on Facebook (collectively, the “Contest Facebook Posts”, and each, a “Contest Facebook Post”) across a period of 11 weeks. Each Contest Facebook Post will have its own contest mechanics. It is not mandatory to participate in all 3 Contest Facebook Posts in order to qualify for the Contest. To enter the Contest, you have to:
   1. follow the instructions given in each relevant Contest Facebook Post (for which you will like to participate); and
   2. provide your answers and/or post the screenshot (where relevant and as per the instructions set out in the relevant Contest Facebook Post) in the comments section of the relevant Contest Facebook Post at https://www.facebook.com/Standardcharteredsg/, by the end of the phase for each Contest Facebook Post as set out at Clause 7, (the combination of the actions referred to in Clauses 1a and b are collectively referred to as the “Entry” in respect of each Contest Facebook Post).

2. These Contest T&Cs govern your participation as an entrant (the “Entrant”) in the Contest. You can also view additional applicable terms of use found on the Bank’s website at https://www.sc.com/sg/terms-and-conditions/bonussaver-go-higher-terms-and-conditions/ as well as any other applicable terms and conditions imposed by Facebook (hereinafter, Facebook will also be referred to as the “Channel”).. Unless otherwise stated, the Bonus$aver Facebook Contest is not valid with other offers, discounts, rebates, vouchers, privileges or promotions.

3. By participating in the Contest, you agree to be bound by these Contest T&Cs, including any applicable terms of use found on the Bank’s website at sc.com/sg and the Channel, and you represent and warrant that all details you have provided are true, accurate and complete. You may be asked to verify your Entries, if necessary.

Eligibility & Contest Period

4. The Contest is held between 12 November 2018 (12:00 hours, Singapore time) and 18 January 2018 (23:59 hours, Singapore time) (both dates inclusive) (the “Challenge Period“). Only Entries received by the Bank’s Facebook account in accordance with the instructions set out in the respective Contest Facebook Posts during the Challenge Period are eligible for the Contest.
5. The Contest is open to all Singaporean citizens and Singapore Permanent Residents aged 21 and above who have valid and existing Facebook accounts at the time of posting of the Entry and are not:
   1. the Bank’s staff and employees, employees of the Bank’s subsidiaries, related corporations and affiliates, and/or the immediate family members of such employees; and/or
   2. staff and employees of the Bank’s service providers, Splash Interactive, TBWA Group Singapore, FALCON Agency Pte Ltd, or any other party engaged in the preparation, organisation, planning, promotion, execution of, or is otherwise involved in the Contest.

Participation

6. To participate in the Contest:
   1. You must complete all the actions referred to in Clause 1 above during the Challenge Period.
   2. A submission is deemed to be posted successfully by the Entrant if it (i) appears as a comment on the Contest Facebook Post and (ii) fulfils the requirement in Clause 1b during the Challenge Period. Such Entry has to remain visible to the public at all times during the Challenge Period before it will be considered as the Entrant’s submission of an Entry to the Contest and eligible to be considered for the Prize (as defined below) in the Contest.
   3. Each Entrant is limited to one (1) Entry per Contest Facebook Post. In the event that an Entrant provides more than one (1) Entry to each Contest Facebook Post, only the last Entry provided by such Entrant by the end of the phase for each Contest Facebook Post as set out at Clause 7 will be considered for the purposes of the Contest. All Entries must comply with all relevant Facebook guidelines and rules, in addition to these Contest T&Cs. Entries which do not comply with any applicable terms, conditions, regulations and guidelines will be disqualified.
   4. For the avoidance of doubt, all Entries must adhere to the Standard Chartered Online interaction guidelines available at http://www.standardchartered.com/_interaction-guidelines/en/index.html. By submitting an Entry and participating in the Contest, the Entrant represents and warrants that the Entry and any contents posted by the Entrant on the Channel (“Posted Contents“) will not infringe the intellectual property, privacy or any other rights of any third party, and will not contain anything which is unlawful, libelous, racially disparaging, defamatory, obscene, harassing or threatening, and the Entrant further agrees to abide by all rules and guidelines prescribed herein, and the Bank reserves the right to remove or otherwise not publish any post that contravenes any of these rules and guidelines, including but not limited to:
      1. any post, comment, photo and video which contains offensive, aggressive, denigrating, irrelevant or inappropriate language;
      2. any post, comment or photo which veers away from the topic in discussion and/or is otherwise not related to the Contest, or which appear to be spam; and/or
      3. any post, comment or photo which may be obscene, defamatory, seditious, blasphemous or otherwise malicious in nature.

Prizes
7. During the Challenge Period, selected Entrants with the best answer (as applicable) in the relevant Entry, as determined by the Bank in its sole and absolute discretion, will receive a relevant prize stated (hereinafter referred to individually as a “Prize”). Entrants who are awarded the Prize shall hereinafter collectively be referred to as “Winners”, and each, a “Winner”). There will be a maximum of eleven (11) Winners for the entire Challenge Period. Each Winner can only win once during the Challenge Period. Winners will not qualify to participate again after they have won a Prize pursuant to the Contest.

8. The Prizes are non-redeemable for cash and/or any other items, and it is non-transferable, non-assignable and non-exchangeable. Each Winner is limited to a maximum of one (1) Prize for the Contest.
9. Any Prizes which are not redeemed will be forfeited. No payment or compensation whether in cash, credit or kind shall be made for any uncollected, lost, misplaced, defaced, stolen or damaged Prize.10. All Winners will be notified via a reply posted (“Reply”) by the Bank (through the Bank’s Facebook account) on the specified Entry on Facebook containing their submission. Winners will have three (3) working days from the date of posting of the Reply, or in any event until the deadline stipulated in the Reply, to send a private message to the Bank’s Facebook account using his/her Facebook account, providing relevant personal data and/or information (the Winner’s name, mailing address, and NRIC / Passport number) for the purposes of fulfilment of the Prize. Following the Bank’s receipt of such details from the Winner, the Bank will send a redemption letter (the “Redemption Letter”) with instructions on prize redemption to the mailing address provided by the Winner. If any Winner fails to reply within the specified period stated above or provides the Bank with erroneous details, the Bank reserves the right to select another Winner. The Winner is solely responsible for providing updated particulars to the Bank for the purposes of fulfilment of the Prize, and the Bank shall not be liable for any loss arising from any omission, error and/or default attributable to the Winner. All Winners will be notified by 28 January 2019.
10. The Bank reserves the sole and absolute discretion to change the mechanics of the Contest without prior notice or reason. The Bank may appoint any independent party as the external auditor for the Contest, as it deems fit.
11. The Bank has the sole and absolute discretion to determine the authenticity, eligibility and/or accuracy of the Entry and its decision will be final and binding on all Entrants, and no correspondence will be entertained whether in relation to the above or otherwise.
12. The Bank may, in its sole and absolute discretion, disqualify any Entry which the Bank considers to have been made in breach of the Contest T&Cs. This includes, but is not limited to the Entrant’s failure to meet the Contest’s eligibility criteria and/or the Entrant’s submission of an Entry which the Bank deems to be obscene, libellous, racially disparaging, defamatory, harassing or threatening or contains any unlawful content.
13. The Bank is not responsible for any Entry to the Contest that cannot be processed due to any technical or operational reasons. Entries that are lost, late, misdirected, incorrect or incomplete, for any reason whatsoever, will also not be eligible for the Contest.
14. The Bank is not responsible for any content posted by the Entrants or for any comments made by members of the public in relation to the Entries or the Posted Contents. All opinions and comments expressed by users of the Channel are expressed in their individual capacities and not as representatives of the Bank.
15. The Bank takes no responsibility and assumes no liability for any user content that any user may post. You are solely responsible for your user content and the consequences of posting and publishing it.
16. The Bank reserves the right to substitute alternative prizes which may not be of equivalent value at any time by giving notice on the Channel or otherwise notifying the relevant Winners.
17. By participating in the Contest, you consent to the Bank publishing and/or broadcasting your name and particulars in any manner which the Bank may deem fit for publicity purposes, including the publishing of Winners of the draw on Facebook by 28 January 2019.

Intellectual Property

18. You agree to waive any moral rights in the Entry and/or any image, video, sound file and/or any other media in any format which is embedded in and/or linked by hyperlink or URL text or otherwise in the Entry (the “Media Files”), to the fullest extent possible and any moral rights that a third party may have in respect of the Entry and/or any of the Media Files described above will be so waived.

19. All promotional images produced by the Bank or any member of the Bank’s Group and associated with the Contest, participants, Winners and Prizes will be the property of the Bank. The Bank reserves the right to publicise the names of the Winners on the official websites of any member of the Bank’s Group and such other channels similar to the Channel.

Data Protection

20. By participating in the Contest and/or otherwise consenting to be a part of the Contest,

the Entrant consents under the Personal Data Protection Act (Cap 26 of 2012) to the collection, use, or disclosure of their personal data by the Bank and/or any relevant third party (including any persons who are involved in operating or promoting the Contest on behalf of the Bank) necessary for the purposes of administering his/her participation, organising and promoting the Contest, or otherwise for purposes relating to the Contest; and further consents and acknowledges that his/her personal data and/or information (i) will also be processed in line with the Bank’s privacy statement available at sc.com/sg/privacy; and (ii) may be used in accordance with the Bank’s policies, terms and conditions or notices made available by the Bank to him/her from time to time.

21. Following termination or deactivation of the Entrant’s Facebook account, or if the Entrant removes any content from the Entrant’s Facebook account, the Posted Contents may remain on the Channel perpetually subject to Facebook’s guidelines and rules.
22. The Entrant acknowledges that the Bank does not own or host Facebook and the relevant privacy notices and other terms and conditions imposed by Facebook will apply.

Miscellaneous

23. The Bank reserves the right, in its sole and absolute discretion, to modify, suspend, withdraw and/or terminate the Contest (or part thereof) for any reason, including if a computer virus, bug, unauthorised human intervention or other cause (a “Disrupting Event“) corrupts or impairs the administration, security, fairness, judging, or proper play of the Contest. If the Contest is so modified, suspended, withdrawn, or terminated, the Bank reserves the right to award Prizes to an Entrant from among all Entries received prior to the Disrupting Event.
24. The Bank may at any time vary, modify, add or delete any of these terms in its absolute discretion without prior notice or reason. The Bank may in its absolute discretion at any time edit or remove any Posted Content that, which in its opinion, breaches any of these terms or for any other reason.
25. To the extent permitted by applicable law, you agree that the Bank will not be liable, under any circumstances and in any way, for any errors or omissions, loss or damage of any kind incurred as a result of your use of the Channel, participation (or inability to participate) in the Contest, any Posted Content or the acceptance of any Prize.
26. To the extent that the Bank suffers any claim, loss, damage or judgment due to your acts or omissions (including, but not limited to, your participation in the Contest and the Posted Contents or breach of any of these terms by you), you agree to indemnify and hold the Bank, the Bank’s Group (as defined below), and their respective officers, employees and agents harmless.
27. You acknowledge that the Contest is in no way sponsored, endorsed or administered by, or associated with, Facebook. To the extent permitted by applicable law, you agree that Facebook will not be liable, under any circumstances and in any way, for any errors or omissions, loss or damage of any kind incurred as a result of your use of the Channel and participation in the Contest.
28. The Bank’s decision in all matters arising out of or in connection with the Contest is final and conclusive and no correspondence will be entertained.
29. The Contest T&Cs are to be read in conjunction with any other of the Bank’s terms and conditions that may be applicable (collectively, “Other Terms“). If there are any inconsistencies between the Contest T&Cs and the Other Terms, the Contest T&Cs prevail only to the extent of such inconsistencies.
30. A person who is not a party to the Contest T&Cs has no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of these terms and conditions.
31. These Contest T&Cs are governed by and shall be construed in accordance with the laws of the Republic of Singapore and you agree to submit to the exclusive jurisdiction of the courts of the Republic of Singapore.
32. All information is correct at the time of publication.
33. For the purposes of the Contest T&Cs, “Group” means, in relation to the Bank:
    1. any person, body corporate, partnership, firm or other entity in which the Bank directly or indirectly:
       1. owns more than half the capital or business assets;
       2. has the power to exercise fifty percent (50%) or more of the voting rights;
       3. has the legal power to direct or cause the direction or general management or affairs;
       4. has the power to appoint more than half the members of the supervisory board, board of directors or other legally representative body; or
       5. has the right to manage the business;
    2. any person, body corporate, partnership, firm or other entity which directly or indirectly has in or over the Bank the rights or powers listed in (a) above (a “Controller“); and/or
    3. any person, body corporate, partnership, firm or other entity in which a Controller directly or indirectly has the rights or powers listed in (a) above.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.