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LuLu Money Send More, Earn More Bangladesh Campaign – Terms & Conditions

These Terms & Conditions (“T&Cs”) govern participation in the “LuLu Money Send More, Earn More Campaign” organised by LuLu International Exchange LLC (Kuwait) (“LuLu Exchange”). By participating, customers agree to comply with and be bound by these T&Cs.

1. Definitions

  1. 1.1   Campaign: means the LuLu Money Send More, Earn More reward campaign organised by LuLu International Exchange LLC (Kuwait) in accordance with these Terms and Conditions.

  2. 1.2   Campaign Period: means the duration from 20 August 2026 to 5 September 2026, both dates inclusive.
  3. 1.3   Participant: means any eligible customer of LuLu Money Kuwait who meets the eligibility criteria set out in Section 2.
  4. 1.4   New User: means a customer registering on the LuLu Money app and completing their first-ever eligible transfer transaction to Bangladesh during the Campaign Period.
  5. 1.5   Existing Users: means a customer who holds a LuLu Money account and has completed at least one transfer transaction to Bangladesh prior to the Campaign Period.
  6. 1.6   Qualifying Transaction: means a successful money transfer to Bangladesh completed through the LuLu Money app during the Campaign Period.
  7. 1.7   Standard Points: means the Happiness Points a customer would ordinarily earn under the Reward Program. 60 points (worth 0.5 KWD) per regular transfer, or 180 points (worth 1.5 KWD) for a New User’s first transfer.
  8. 1.8   Bonus Points: means the additional 60 points (worth 0.5 KWD), awarded on each Qualifying Transaction during the Campaign Period, over and above Standard Points.

  9. 1.9   Points: means, collectively, the Standard Points and Bonus Points credited to a Participant’s Reward balance, redeemable in accordance with Section 4.

    10. 1.10   App:means the LuLu Money mobile application, available on iOS and Android.

2. Eligibility & Participation

  1. 2.1   The Campaign is open to all registered LuLu Money app users in Kuwait aged 18 years or above who have completed KYC as per LuLu Money’s standard onboarding requirements.
  2. 2.2   New Users who complete their first Qualifying Transaction during the Campaign Period will earn Standard Points plus Bonus Points as set out in Section 3.
  3. 2.3   All Participants (New and Existing Users) will earn Standard Points plus Bonus Points on every Qualifying Transaction completed during the Campaign Period. There is no limit on the number of eligible transfers to Bangladesh per Participant during the Campaign Period.
  4. 2.4   This Campaign is applicable only to individual remittance transactions made through the LuLu Money app. Corporate or business transactions will not qualify.
  5. 2.5   Transfers made through LuLu Exchange branches, agents, or third-party channels are not eligible for this Campaign.
  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 but not successfully completed before the close of the Campaign Period on 5 September 2026 will not be counted.
  8. 2.8   Cancelled, returned, reversed, or fraudulent transactions will not be counted as Qualifying Transactions, and any Points credited against such transactions may be reversed.

3. Reward Mechanism

  1. 3.1   On a New User’s first money transfer to Bangladesh made during the Campaign Period, the Participant will earn 240 points (180 Standard Points + 60 Bonus Points), worth 2 KWD.
  2. 3.2   On every other money transfer to Bangladesh made during the Campaign Period (i.e. by an Existing User, or by a New User after their first transfer), the Participant will earn 120 points (60 Standard Points + 60 Bonus Points), worth 1 KWD.
  3. 3.3   Standard Points will be credited instantly upon completion of the transaction. Bonus Points will be credited to the Participant’s Reward Program account within 24 hours of the Qualifying Transaction.
  4. 3.4   There is no minimum transfer amount specified for a transaction to qualify as a Qualifying Transaction under this Campaign.

  5. 3.5   This offer cannot be combined with any other ongoing promotion or offer, unless explicitly stated otherwise by LuLu Money.

4. Redemption

  1. 4.1   Every 2 KWD worth of LuLu Reward Points earned under this Campaign can be redeemed at participating LuLu Hypermarket outlets in Kuwait.
  2. 4.2   Points have no cash value and cannot be exchanged for cash, transferred to another Participant’s account, or redeemed anywhere other than participating LuLu Hypermarket outlets.
  3. 4.3   Points earned under this Campaign are otherwise redeemable as per the standard Reward Program Terms and Conditions, including in respect of validity and expiry.

5. Verification & Fraud Prevention

  1. 5.1   LuLu Exchange may request proof of transaction authenticity at any time.
  2. 5.2   LuLu Exchange reserves the right to withhold or reverse Points on any transaction found to be suspicious, fraudulent, manipulated, or based on misleading information, and to disqualify the Participant from the Campaign.
  3. 5.3   LuLu Exchange will never ask customers for their personal bank details, OTPs, or passwords in connection with this Campaign.

  4. 5.4   All official communication regarding this Campaign will only come from verified LuLu Money and LuLu Exchange channels.

6. Liability

  1. 6.1   LuLu Exchange shall not be liable for any loss or damage resulting from participation in this Campaign, except where such liability arises directly from LuLu Exchange’s own proven negligence or fraud, and only to the extent required by applicable Kuwait law.
  2. 6.2   LuLu Exchange shall not be liable for transactions not completed, or Points not credited, due to technical malfunction, network interruption, or server failure beyond its reasonable control.

  3. 6.3   LuLu Exchange shall not be responsible for the acts, omissions, services, or defaults of any third-party partner, including LuLu Hypermarket, in connection with Points redemption.

7. Handling of Disputes & Complaints

  1. 7.1   In case of any queries or disputes regarding this Campaign, contact LuLu Exchange Kuwait customer care at +965 97279025 or email customer.care@kw.luluexchange.com.

  2. 7.2   LuLu Exchange’s decision on all matters relating to the administration of this Campaign shall be final and binding, subject to applicable regulatory oversight.

8. General Terms & Conditions

  1. 8.1   This Campaign is subject to any required regulatory approvals under the laws of Kuwait and is conducted in line with Central Bank of Kuwait (CBK) requirements applicable to LuLu Money’s Reward Program.
  2. 8.2   LuLu Exchange reserves the right to modify, suspend, or withdraw this Campaign at any time without prior notice, subject to applicable regulatory requirements.
  3. 8.3   Standard LuLu Money transfer terms, KYC requirements, and Reward Program Terms and Conditions continue to apply.
  4. 8.4   Customers should conduct remittance transactions based on their genuine financial needs. Participation in this Campaign should not influence customers to undertake unnecessary transactions.

  5. 8.5   These Terms and Conditions are issued in Arabic and English. In the event of any inconsistency between the two versions, the Arabic version shall prevail.

  6. 8.6   These Terms and Conditions are governed by the laws of Kuwait.

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