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Reward Rush Campaign - Terms and Conditions

These Terms and Conditions govern participation in the ‘Reward Rush’ Campaign organised by LuLu Exchange. By participating, entrants agree to comply with and be bound by these T&Cs.

1. Definitions

  1. 1.1 Campaign: means the ‘Reward Rush’ Campaign organised by LuLu International Exchange LLC in accordance with these Terms and Conditions.
  2. 1.2 Campaign Period: means the duration from 12:00 am (UAE time) on 23rd October 2026 to 11:59 pm (UAE time) on 25th October 2026, both dates inclusive.
  3. 1.3 Participant: means an eligible customer of LuLu Money who meets the eligibility criteria set out in Section 2.
  4. 1.4 Qualifying Transaction: means at least five (5) successful remittance transactions of AED 200 or more completed through the LuLu Money App within the Campaign Period.
  5. 1.5 Reward Mechanism: means the promotional offer conducted by LuLu Exchange whereby eligible Participants who successfully complete at least five (5) transactions during the Campaign Period will receive 1,200 LuLu Money Reward Points, equivalent to AED 10 in value.
  6. 1.6 App: means the LuLu Money mobile application, available on iOS, Huawei and Android.
  7. 1.7 Force Majeure Event: means any event beyond LuLu Exchange’s reasonable control, including severe weather, fire, flood, strike, war, political unrest, acts of God, governmental or regulatory action (including delay or withdrawal of any required approval or licence), or failure of telecommunications, banking, or third-party systems.

2. Eligibility & Participation

  1. 2.1  The Campaign is open to eligible registered LuLu Money App users who are residents of the United Arab Emirates, aged 18 years or above, and hold valid identification and other documentation required for verification by LuLu Exchange.
  2. 2.2  To qualify for the Campaign, a Participant must successfully complete a minimum of five (5) transactions during the Campaign Period.
  3. 2.3  Each Qualifying Transaction must be for a minimum amount of AED 200. Transactions below AED 200 will not count towards the required five (5) transactions.
  4. 2.4  This Campaign is applicable only to individual remittance transactions. Corporate or business transactions will not qualify.
  5. 2.5  Transactions made through LuLu Exchange branches, agents, or third-party channels are not eligible for this Campaign. Only eligible transactions completed through the LuLu Money App will be considered.
  6. 2.6 Employees of LuLu Money, LuLu Exchange, and their associated campaign partners are not eligible to participate in this Campaign.
  7. 2.7  Each Qualifying Transaction must be successfully completed within the Campaign Period. Transactions initiated and fully funded within this period remain eligible if delayed or rejected due to LuLu Exchange or correspondent issues, excluding customer input errors.
  8. 2.8  Cancelled, returned, void, reversed, structured, manipulated, or fraudulent transactions will not qualify. If such activity is discovered after the reward points have been credited, the Participant’s reward eligibility may be revoked, subject to applicable law and regulatory requirements.
  9. 2.9  Reward eligibility is subject to verification of the Participant’s identity, account status, transaction history, and any other due diligence required by LuLu Exchange.

3. Rewards

  1. 3.1  Each eligible Participant who meets all Campaign requirements will receive 1,200 LuLu Money Reward Points, equivalent to AED 10 in value.
  2. 3.2  The reward is provided in the form of LuLu Money Reward Points and is subject to the standard terms and conditions of the LuLu Money rewards programme.
  3. 3.3  Each eligible Participant may receive the reward once under this Campaign, irrespective of the number of additional transactions completed beyond the minimum requirement.
  4. 3.4  LuLu Exchange reserves the right to substitute the reward with customer notification, with one of equivalent or higher value at its sole discretion, subject to applicable law and regulatory requirements and any necessary regulatory approval.

4. Reward Eligibility and Fulfilment

  1. 4.1  Participants who successfully complete at least five (5) transactions of AED 200 or more each through the LuLu Money App within the Campaign Period will qualify for the reward, subject to verification.
  2. 4.2  Eligible Participants will receive 1,200 LuLu Money Reward Points, equivalent to AED 10 in value.
  3. 4.3 The reward points will be credited directly to the eligible Participant’s LuLu Money account within twenty-four (24) to forty-eight (48) hours after the Campaign Period ends, subject to successful verification and fulfilment of the eligibility criteria. The Reward Points awarded under this Campaign may be redeemed in accordance with the applicable LuLu Money Rewards Programme terms and conditions.
  4. 4.4 Transactions must reflect genuine remittance needs. Artificially splitting a single intended remittance into multiple transactions solely to meet the Campaign’s eligibility requirements will not qualify. Any exclusion will be based on a documented review; multiple transfers to the same beneficiary will not, by themselves, result in disqualification.
  5. 4.5 This Campaign offers a guaranteed reward to eligible Participants and does not involve a lucky draw. No separate reward claim is required, provided the Participant meets the eligibility criteria and the qualifying transactions can be verified.
  6. 4.6 The credited reward points are non-transferable, cannot be exchanged directly for cash, and are subject to the standard terms and conditions of the LuLu Money rewards programme.
  7. 4.7 Reward eligibility will be determined based on the published eligibility criteria and verification of qualifying transactions, without prejudice to the Participant’s right to raise a complaint with LuLu Exchange or seek regulatory redress through the applicable channels.

5. Content Rights & Privacy

  1. 5.1 By participating, entrants consent to LuLu Exchange collecting and processing their personal data for the administration of this Campaign.
  2. 5.2 All financial and transaction data will be handled confidentially and in accordance with applicable data protection laws and regulatory requirements.
  3. 5.3 LuLu Exchange will not share Participant data with third parties except as required by law or as necessary for Campaign administration, verification, or reward fulfillment. Data will not be reused for unrelated future campaigns without the required consent or other lawful basis.

6. Verification & Fraud Prevention

  1. 6.1 LuLu Exchange reserves the right to request proof of identity, eligibility, and qualifying transactions from any Participant, subject to applicable law and regulatory requirements.
  2. 6.2 Any suspicious, structured, manipulated, or fraudulent activity may result in disqualification from the Campaign and the withholding or reversal of reward points, subject to applicable law and regulatory requirements.
  3. 6.3 LuLu Exchange will communicate through official channels and will never ask participants to disclose their passwords or one-time passwords (OTPs), or pay an upfront fee to claim the reward.
  4. 6.4 There are no additional participation fees for entering this Campaign beyond applicable standard transaction charges.

7. Liability & Technical Failures

  1. 7.1 LuLu Exchange shall not be responsible for technical, network, or server failures beyond its reasonable control that may result in delayed or unsuccessful transactions, subject to applicable law and regulatory requirements.
  2. 7.2 Nothing in these Terms and Conditions excludes or limits any liability that cannot lawfully be excluded or limited under applicable UAE law or regulatory requirements.
  3. 7.3 In the event of a Force Majeure Event, LuLu Exchange’s obligations under the Campaign may be suspended or affected to the extent permitted by applicable law and regulatory requirements.
  4. 7.4 Any limitation of liability under this Campaign shall apply only to the extent permitted by applicable law and regulatory requirements. Nothing in these Terms and Conditions limits a Participant’s statutory rights or right to raise a complaint or seek regulatory redress.

8. Handling of Disputes & Complaints

  1. 8.1 In the event of any queries or disputes relating to the Campaign, Participants may contact LuLu Exchange by calling 600 52 2204 or by emailing customercare@ae.luluexchange.com.
  2. 8.2 Complaints will be handled in accordance with applicable complaint-handling requirements and regulatory timelines. Where applicable, Participants may escalate unresolved complaints to Sanadak or the relevant competent authority.
  3. 8.3 Reward eligibility will be determined based on the published eligibility criteria and verification of qualifying transactions, without prejudice to the Participant’s right to raise a complaint or seek regulatory redress.

9. General Terms & Conditions

  1. 9.1 Standard exchange rates and applicable transaction fees apply to all remittances. The AED 200 minimum applies to each successful transaction under this Campaign.
  2. 9.2 Participants are reminded that all transactions should be made for genuine remittance needs and in compliance with applicable laws and regulations.
  3. 9.3 Subject to applicable law and regulatory requirements, including any necessary regulatory approval, LuLu Exchange reserves the right to modify, postpone, suspend, or cancel the Campaign. Any such changes will be communicated through appropriate official channels. Non-compliance with these Terms and Conditions may result in disqualification.
  4. 9.4 Participants are responsible for ensuring that their contact details and account information registered on the App are accurate and up to date.
  5. 9.5 These Terms and Conditions are governed by the laws of the United Arab Emirates, subject to applicable federal laws and regulatory requirements. Any disputes shall be handled by the competent courts of the United Arab Emirates, as applicable. LuLu International Exchange LLC is licensed and regulated by the Central Bank of the UAE (CBUAE).
  6. 9.6 If any provision of these Terms and Conditions is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect.

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