1. Organizer and Eligibility
- 1.1 This Send & Win (“Campaign”) is organized by LuLu Money Malaysia Sdn. Bhd. (“the Organizer”).
- 1.2 The Campaign is open to all registered users of the LuLu Money (Malaysia) mobile application who are legal residents of Malaysia aged 18 years and above.
- 1.3 Employees, directors, and immediate family members of the Organizer, its affiliates, subsidiaries, and advertising agencies are strictly prohibited from participating.
2. Campaign Period
- 2.1 The Campaign commences at 12:00 AM on 15 July 2026 and concludes at 11:59 PM on 31 August 2026 (“Campaign Period”)
- 2.2 Transactions completed outside of this official period will not be included in the accumulated value calculation
- 2.3 The Organizer reserves the right to shorten, extend, or modify the Campaign Period at its sole discretion with prior notice via official channels.
3. Qualifying Criteria and Winner Selection
- 3.1 To qualify for the Campaign, participants must complete successful international money transfer transactions through the LuLu Money (Malaysia) mobile application during the Campaign Period.
- 3.2 Participants must complete at least one (1) successful international money transfer of RM500.00 or above through the LuLu Money (Malaysia) mobile application during the Campaign Period to be eligible for ranking.
- 3.3 Winners will be ranked and selected based on the highest total value of eligible successful international money transfers completed through the LuLu Money (Malaysia) mobile application during the Campaign Period. The 1st-ranked participant receives the Grand Prize; the 2nd to 101st-ranked participants each receive a Consolation Prize.
- 3.4 Only successful and eligible transactions completed through the LuLu Money (Malaysia) mobile application will be considered. Transactions made via physical branches, agent networks, or any other third-party channels will not qualify.
- 3.5 Any cancelled, refunded, disputed, reversed, unsuccessful, suspicious, split, structured, or non-genuine transactions will not qualify and may be excluded from the Campaign ranking.
- 3.6 All qualifying transactions remain subject to the Organizer’s verification, compliance checks, transaction limits, customer due diligence, transaction screening, and any other applicable regulatory or internal requirements.
- 3.7 In the event of a tie where multiple participants achieve an identical total accumulated transaction value, the winner will be determined based on chronological priority. The participant who first achieves that specific accumulated value will be selected.
4. Prizes
- 4.1 Tier 1 (Grand Prize): One (1) unit of a 65-inch Television will be awarded to the participant with the 1st highest total accumulated transaction value.
- 4.2 Tier 2 (Consolation Prizes): One (1) RM20 AEON Shopping Voucher will be awarded to each participant ranked from 2nd to 101st place by total accumulated value.
- 4.3 The Organizer reserves the right to determine the brand and model of the Grand Prize.
- 4.4 All prizes are provided on an “as-is” basis. They are strictly non-transferable, non-refundable, and cannot be exchanged for cash or credit.
- 4.5 If the prize becomes unavailable due to unforeseen circumstances, the Organizer reserves the right to substitute it with an alternative of equivalent value. All decisions regarding substitutions are final and binding.
5. Winner Notification and Prize Claim
- 5.1 Verified winners will be notified via email or phone call using the contact details registered in their LuLu Money mobile app account by 14 September 2026.
- 5.2 Winners must respond and claim their prize within fourteen (14) business days of notification. Failure to do so will result in automatic forfeiture.
- 5.3 For the Grand Prize, the Winner must present a valid NRIC or Passport for identity verification upon prize collection.
- 5.4 The AEON e-voucher will be sent via email to the participant’s registered email address maintained in the LuLu Money Malaysia records.
6. Compliance and Legal Safeguards
- 6.1 All qualifying transactions are subject to LuLu Money Malaysia’s standard customer due diligence (CDD), transaction screening, and source of funds verification.
- 6.2 The Organizer reserves the right to disqualify any participant or transaction suspected of structuring (splitting transactions to bypass limits), tampering, or breaching the Money Services Business Act 2011 or any other relevant or applicable laws or acts.
- 6.3 All decisions made by the Organizer regarding winner selection and ranking are final and binding. No appeals or correspondence will be entertained.
7. Privacy and Data Protection (PDPA)
- 7.1 Automatic Participation: By transacting during the Campaign Period, participants are automatically enrolled. The Organizer will process transaction data internally to determine rankings.
- 7.2 Consent: Participants consent to the processing of their personal data in accordance with the Personal Data Protection Act (PDPA) 2010.
- 7.3 Publicity: Winners agree to the use of their name and likeness for promotional purposes without further compensation.
- 7.4 Opt-Out: Participants who do not wish to be included in the ranking may opt out by sending an email to customer.care@my.lulumoney.com.
8. Limitation of Liability
- 8.1 The Organizer is not responsible for any technical failures, network delays, or app interruptions that may affect the recording of transaction values.
- 8.2 These Terms and Conditions shall be governed by the Laws of Malaysia.
Frequently Asked Questions
It’s a ranking challenge. The LuLu Money app user with the highest total value of international transfers during the campaign period wins the Grand Prize. The next 100 highest-ranked users each win a consolation prize.
All registered LuLu Money (Malaysia) mobile app users who are legal residents of Malaysia and aged 18 years or older. Employees, directors, and immediate family members of LuLu Money Malaysia, its affiliates, or advertising agencies are not eligible to win.
Enrolment is automatic. Every successful international transfer of RM500.00 or above made through the LuLu Money app during the campaign period counts toward your ranking. Transfers made via branches or third-party agents do not count.
The campaign commences at 12:00 AM on 15 July 2026 and concludes at 11:59 PM on 31 August 2026. Transactions made outside this window do not count.
The participant with the highest total transaction value wins the Grand Prize, a 65-inch Television, while the next 100 highest-ranked participants each receive an RM20 AEON Shopping Voucher.
Winners will be notified by email or phone call by 14 September 2026, using the contact details registered on your LuLu Money app account. You must respond and claim your prize within 14 business days of notification, or it will be forfeited. Grand Prize winners must present a valid NRIC or Passport for verification, while AEON vouchers will be sent to your registered email address.
No. All prizes are provided on an “as-is” basis and are non-transferable, non-refundable, and non-exchangeable for cash or credit.
Your transaction data is processed for ranking purposes in line with the Personal Data Protection Act (PDPA) 2010. If you do not wish to be included, email customer.care@my.lulumoney.com to opt out.
