Terms and Conditions: Eid al-Adha Lucky Draw Campaign

Campaign Overview

This Campaign is organised by LuLu International Exchange LLC, trading as LuLu Exchange (hereinafter referred to as “LuLu Exchange”), a licensed financial institution regulated by the Central Bank of the UAE. LuLu Money is a licensed digital platform operating under LuLu Exchange, regulated by the Central Bank of the UAE. This Campaign relates to regulated remittance services and does not alter the standard terms and conditions of the underlying transaction.By participating in this Campaign, customers agree to be bound by these Terms and Conditions.

1. Definitions:

1. 1.1   Campaign: means the LuLu Money “Eid al-Adha Lucky Draw Campaign” organised by LuLu International Exchange LLC in accordance with these Terms and Conditions.
2. 1.2   Customer or Participant: means any natural person who reads these Terms and Conditions and voluntarily participates in the Campaign by completing the required number of eligible Qualifying Transactions and meeting the eligibility requirements set out herein.
3. 1.3   Qualifying Transaction: means a successful remittance/transfer transaction initiated from within the United Arab Emirates through the LuLu Money App. The Participant must complete a minimum of three (3) Qualifying Transactions of at least AED 1,000 each to be eligible for the iPhone Draw, and at least one (1) Qualifying Transaction of any amount to be eligible for the Gift Voucher Draw.
4. 1.4   Lucky Draw: means the random selection process conducted on the draw date(s) specified by LuLu Exchange, from a pool of eligible entries, to determine the Winner(s). Each eligible Transaction constitutes one (1) entry.
5. 1.5   iPhone Draw: means the random selection process conducted by LuLu Exchange to determine the 3 iPhone Winners from among all Participants who have completed a minimum of three (3) Qualifying Transactions of at least AED 1,000 each during the Campaign Period.
6. 1.6   Gift Voucher Draw: means the random selection process conducted by LuLu Exchange to determine the 10 Gift Voucher Winners from among all Participants who have completed at least one (1) Transaction of any amount during the Campaign Period.
7. 1.7   Gift Voucher or LuLu Shopping Gift Voucher: means a shopping voucher with a value of AED 1,000 (one thousand dirhams) awarded to each of the 10 Gift Voucher Winners, redeemable for purchases at LuLu Hypermarket locations in the UAE, subject to the voucher terms and LuLu Hypermarket’s applicable policies.
8. 1.8   Winner: means a Participant whose entry is selected in either the iPhone Draw or the Gift Voucher Draw in accordance with these Terms and Conditions, and who satisfies the verification and prize-claim requirements.

2. Campaign Period

1. 2.1   The Campaign runs from 12:01 a.m. (UAE time) on 7 May 2026 until 11:59 p.m. (UAE time) on 31 May 2026 (the “Campaign Period”).
2. 2.2   Any transaction made outside the Campaign Period shall be void and shall not be accepted or counted towards eligibility for either draw.

3. How to Participate

1. 3.1   There are two (2) separate Lucky Draws under this Campaign, each with its own eligibility requirement:
   1. iPhone Draw: To qualify, a Participant must successfully complete a minimum of three (3) transactions, each of at least AED 1,000, via the LuLu Money App during the Campaign Period.
   2. Gift Voucher Draw: To qualify, a Participant must successfully complete at least one (1) transaction of any amount via the LuLu Money App during the Campaign Period.
2. 3.2   A Participant who qualifies for the iPhone Draw (i.e., completes 3 transactions of AED 1,000 or more each) is automatically also entered into the Gift Voucher Draw and is therefore eligible to win in both draws.
3. 3.3   For the iPhone Draw, each additional qualifying transaction beyond the initial three (3) will count as one (1) additional entry, thereby increasing the Participant’s chances of winning.
4. 3.4   For the Gift Voucher Draw, each additional transaction of any amount beyond the first will count as one (1) additional entry, thereby increasing the Participant’s chances of winning.
5. 3.5   This Campaign is valid specifically for transactions made through the LuLu Money App only. Transactions made at LuLu Exchange branches or through any other channel shall not qualify.
6. 3.6   This Campaign is strictly not applicable to Customers who select the “Pay at Branch” option within the LuLu Money App.
7. 3.7   This Campaign is applicable only for individual money transfers. Corporate transactions will not qualify for either draw.

4. Prize Details

1. 4.1   The Campaign comprises two (2) separate Lucky Draws with the following prizes:
   1. iPhone Draw: 3 Winners, each receiving one (1) iPhone.
   2. Gift Voucher Draw: 10 Winners, each receiving one (1) LuLu Shopping Gift Voucher worth AED 1,000..
2. 4.2   The specific iPhone model will be determined by LuLu Exchange at its sole discretion and subject to availability at the time of prize distribution.
3. 4.3   The LuLu Shopping Gift Voucher is redeemable for purchases at LuLu Hypermarket locations across the UAE, subject to LuLu Hypermarket’s applicable policies.
4. 4.4   The Gift Voucher must be redeemed within one (1) year from the date of issuance, after which it shall automatically expire and become void, without any entitlement to extension, replacement, or compensation.
5. 4.5   All prizes are non-transferable, non-assignable, and may not be sold, exchanged, pledged, or otherwise transferred to any third party.
6. 4.6   No cash equivalent or alternative will be offered in lieu of any prize, whether in whole or in part.
7. 4.7   LuLu Exchange shall not be responsible for the quality, availability, or fitness of any goods or services purchased using the Gift Voucher. Any disputes relating to products purchased shall be resolved directly with LuLu Hypermarket in accordance with its policies.

5. Draw Conduct, Supervision & Transparency

In compliance with UAE regulatory requirements, the following draw process applies:

1. 5.1   The Lucky Draw will be conducted by LuLu Exchange’s designated draw management team using a certified random electronic selection system to ensure a fair and impartial outcome.
2. 5.2   The draw will be supervised by an authorised representative from the relevant regulatory authority of the respective emirate, to ensure full transparency, regulatory compliance, and independent oversight.
3. 5.3   The draw process will proceed as follows:
   1. All eligible entries will be collated and verified by the LuLu Exchange compliance team prior to the draw.
   2. The draw will be conducted electronically using a certified randomisation tool that ensures each entry has an equal chance of selection.
   3. The supervising authority representative will witness and validate the draw process and outcome.
   4. A draw certificate or report will be prepared and retained for regulatory record-keeping.
4. 5.4   Draw results will be considered final once validated by the supervising authority. No appeal or challenge to the draw outcome will be entertained following this validation.
5. 5.5   Winners will be notified within a reasonable period following the draw date via their registered mobile number or email address on record.

6. Winner Selection & Notification

1. 6.1   Winners will be contacted via their registered mobile number or email address as per LuLu Exchange records
2. 6.2   Winners must provide a copy of their transaction confirmation receipt, a valid Emirates ID, and a valid Passport upon request to claim the prize.
3. 6.3   If a Winner fails to respond to the notification within fourteen (14) calendar days or fails to provide the required documents, LuLu Exchange reserves the right to disqualify the Winner and select an alternate Winner.

7. Eligibility & Participation

1. 7.1   This Campaign is exclusively available to registered users of the LuLu Money App within the United Arab Emirates. Participants must be residents of the UAE with a valid Emirates ID.
2. 7.2   All valid transactions must be initiated and completed within the Campaign Period.
3. 7.3   Cancelled, reversed, returned, incomplete, invalid, or void transactions shall not be eligible and will not count towards any draw.
4. 7.4   LuLu Exchange may deny entry to any Participant engaging in unethical, false, or inauthentic practices.
5. 7.5   LuLu Exchange may refuse entry for any transaction that cannot be validated or that breaches applicable requirements, including KYC/AML or internal compliance rules.
6. 7.6   Winners must provide, upon request, the transaction confirmation/receipt, valid Emirates ID, and any other documents reasonably required by LuLu Exchange to claim their Prize. Failure to provide required documents within the specified timeframe may result in disqualification and forfeiture of the Prize.
7. 7.7   A Participant may win a maximum of one (1) prize per draw. However, a Participant who is eligible for both draws may win one prize in each draw (i.e., one iPhone and one Gift Voucher).
8. 7.8   Employees of LuLu Exchange, its affiliates, agents, subsidiaries, and their immediate family members shall not be eligible to participate in this Campaign.

8. Content Rights & Privacy

In accordance with UAE Consumer Protection regulations, participation in this Campaign is not conditional upon consent to publicity or marketing.

1. 8.1   By participating in this Campaign, Participants acknowledge that LuLu Exchange will process their personal data solely for the purposes of administering the Campaign, verifying eligibility, conducting the draw, and distributing prizes, in accordance with UAE Federal Decree-Law No. 45 of 2021 on Personal Data Protection and applicable Central Bank of the UAE regulations. This processing is necessary for the performance of the Campaign and does not require separate consent. All other uses of a Winner’s personal data, including name, image, or likeness, beyond what is strictly necessary for draw administration, shall only be carried out where the required consent has been obtained in accordance with applicable data protection laws.
2. 8.2   Any announcement of Winner names or use of Winner photographs for promotional or publicity purposes will only take place where all consents required under applicable UAE data protection and consumer protection laws have been obtained. Such consent will be sought separately, at the time of prize claim, and will be freely given, specific, and informed. Declining such consent will not affect a Participant’s eligibility to enter, participate in, or receive any prize from this Campaign.
3. 8.3   Winner data will not be used for future campaigns. Any marketing consent is governed separately and may be withdrawn at any time by calling 600 52 2204 or emailing customercare@ae.luluexchange.com. Withdrawal of marketing consent will not affect the Participant’s eligibility to participate in or win this Campaign.
4. 8.4   LuLu Exchange will not share personal data with any third party except as required by law or for prize administration.
5. 8.5   Consent to publicity is requested separately at the time of prize claim and is never a precondition of entry or prize entitlement.

9. Verification & Fraud Prevention

1. 9.1   LuLu Exchange may request proof of authenticity, including transaction details, screenshots, or supporting documents.
2. 9.2   If any transaction or participation is found to be suspicious, fraudulent, manipulated, or based on misleading information, LuLu Exchange reserves the right to withdraw the Prize and disqualify the Participant or Winner.
3. 9.3   LuLu Exchange will never ask Customers for their personal bank details, OTPs, passwords, or require Winners to pay any fee to claim their prizes.
4. 9.4   All official communication will only come from verified LuLu Exchange and LuLu Money channels.

10. Liability & Technical Failures

1. 10.1   LuLu Money will take reasonable steps to ensure system availability; however, entries may be affected by unforeseen technical issues beyond reasonable control. In such unforeseen cases, LuLu Exchange accepts no responsibility for entries not completed due to any technical malfunction, hardware or software failure, or network interruptions.
2. 10.2   LuLu Exchange shall not be liable for any loss or damage resulting from participation in this Campaign or the taking up of any prize, except where such liability arises directly from LuLu Exchange’s own proven negligence or fraud, and only to the extent required by applicable UAE law.
3. 10.3   LuLu Exchange shall not be liable for any failure to comply with its obligations hereunder due to Force Majeure, including but not limited to severe weather conditions, fire, flood, strike, industrial dispute, war, hostilities, political unrest, riots, civil commotion, terror attack, inevitable accidents, or acts of God.
4. 10.4   LuLu Exchange shall not be responsible for the acts, omissions, services, or defaults of any third-party service providers in connection with the Prize.
5. 10.5   To the fullest extent permitted by applicable law, LuLu Exchange’s total aggregate liability to any Participant in connection with this Campaign shall not exceed the value of the prize that Participant is eligible to receive. Nothing in these Terms and Conditions limits liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation.

11. Handling of Disputes & Complaints

1. 11.1   In case of any queries or disputes regarding the Campaign, contact LuLu Exchange at 600 52 2204 or email customercare@ae.luluexchange.com.
2. 11.2   If unresolved, customers may escalate the matter to the CBUAE Consumer Protection department within 15 business days.
3. 11.3   The draw outcome is conclusive as to the identity of Winners. LuLu Exchange’s determination on all matters relating to the administration and conduct of this Campaign shall be final, subject to applicable regulatory oversight.

12. General Terms

1. 12.1   LuLu Exchange reserves the right to modify, postpone, cancel, or void the Campaign at any time, or to change the draw dates at its sole discretion, due to regulatory, operational, or exceptional circumstances. Any material changes will be communicated through official channels.
2. 12.2   LuLu Exchange reserves the right to amend these Terms and Conditions to comply with applicable UAE law or regulatory instructions. Where amendments are required by law, they take effect as directed by the relevant authority. For all other material amendments, LuLu Exchange will provide at least five (5) business days’ advance notice through official channels. No amendment shall deprive Participants of rights already accrued.
3. 12.3   Any failure to comply with any of these Terms and Conditions may result in the immediate disqualification of the Participant.
4. 12.4   LuLu Exchange administers these Terms and Conditions in good faith and in compliance with applicable UAE law. Nothing herein shall diminish the rights of Participants under UAE consumer protection legislation or prevent Participants from seeking redress from competent regulatory authorities.
5. 12.5   The Customer shall ensure that all contact details provided to LuLu Exchange are accurate and kept up to date at all times. LuLu Exchange shall not be liable where it has attempted to contact a Customer using the latest details on record and the Customer fails to respond or cannot be reached due to outdated or incorrect information.
6. 12.6   These Terms and Conditions are governed by the laws of the UAE. LuLu Exchange submits to the non-exclusive jurisdiction of the courts of Abu Dhabi, consistent with its registered place of business. Nothing in this clause prevents a Participant from bringing a claim before the courts of their emirate of residence or any competent UAE regulatory authority.
7. 12.7   LuLu Money is a licensed digital platform under LuLu Exchange, regulated by the Central Bank of the UAE. This Campaign relates to regulated remittance services and does not change the standard terms and conditions of the underlying transaction.
8. 12.8   By participating in this Campaign, you acknowledge and agree that you have read, understood, and accepted these Terms and Conditions. LuLu Exchange reserves the right to the final interpretation of this Campaign and these Terms and Conditions, subject to applicable UAE law.