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Terms & Conditions – LuLu Money Pakistan Independence Day Reward Campaign

These Terms & Conditions govern participation in the “LuLu Money Pakistan Independence Day Reward Campaign” organised by LuLu Exchange Kuwait. By participating, customers agree to comply with and be bound by these T&Cs.

1. Definitions

  1. 1.1   Campaign: means the “Pakistan Independence Day Reward Campaign” organised by LuLu International Exchange LLC (Kuwait) in accordance with these Terms and Conditions.
  2. 1.2   Campaign Period: means 14th August 2026 only.
  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   Qualifying Transaction: means a successful money transfer sent to Pakistan through the LuLu Money App during the Campaign Period.
  5. 1.5   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 first transfer.
  6. 1.6   Bonus Points: means the additional 120 points (worth 1 KWD) awarded on each Qualifying Transaction during the Campaign Period, over and above Standard Points.
  7. 1.7   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 in accordance with LuLu Money’s standard onboarding requirements.
  2. 2.2   The Campaign applies only to money transfers sent to Pakistan through the LuLu Money App on 14th August 2026.
  3. 2.3   Transfers to any corridor other than Pakistan are not eligible for Bonus Points under this Campaign.
  4. 2.4   Transfers made through LuLu Exchange branches, agents, or third-party channels are not eligible for this Campaign.
  5. 2.5   Employees of LuLu Money, LuLu Exchange, and their associated campaign partners are not eligible to participate.
  6. 2.6   Each Qualifying Transaction made during the Campaign Period earns the applicable Bonus Points, in addition to Standard Points, which will be credited to the customer’s Reward Program account.
  7. 2.7   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 regular transfer to Pakistan made during the Campaign Period, a Participant will earn 180 points (60 Standard Points + 120 Bonus Points), worth 1.5 KWD.
  2. 3.2   On a first transfer to Pakistan made during the Campaign Period, a Participant will earn 300 points (180 Standard Points + 120 Bonus Points), worth 2.5 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   Bonus Points apply per Qualifying Transaction, and there is no limit on the number of eligible transfers a customer may make during the Campaign Period.
  5. 3.5   Points earned under this Campaign will be credited to the Participant’s Reward Program (Happiness Points) account and are redeemable in accordance with the standard Reward Program Terms and Conditions.

4. Verification & Fraud Prevention

  1. 4.1   LuLu Exchange may request proof of transaction authenticity at any time to verify the eligibility of a transaction under the Campaign.
  2. 4.2   LuLu Exchange reserves the right to withhold or reverse Bonus Points relating to any transaction found to be suspicious, fraudulent, manipulated, or based on misleading information.
  3. 4.3   LuLu Exchange will never ask Customers for their personal bank details, one-time passwords (OTPs), or passwords in connection with this Campaign.

5. Liability

  1. 5.1   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. 5.2   LuLu Exchange shall not be liable for entries or transactions that are not successfully completed due to technical malfunction, network interruption, or server failure beyond its reasonable control.

6. Handling of Disputes & Complaints

  1. 6.1   In case of any queries or disputes regarding this Campaign, Participants may contact LuLu Exchange Kuwait Customer Care at +96597279025 or email customer.care@kw.luluexchange.com.
  2. 6.2   LuLu Exchange’s decision on all matters relating to the administration of this Campaign shall be final and binding, subject to applicable regulatory oversight.

7. General Terms & Conditions

  1. 7.1   This Campaign is subject to any required regulatory approvals under the laws of Kuwait and is conducted in accordance with the Central Bank of Kuwait (CBK) requirements applicable to the LuLu Money Reward Program.
  2. 7.2   LuLu Exchange reserves the right to modify, suspend, or withdraw this Campaign at any time without prior notice, subject to applicable regulatory requirements.
  3. 7.3   Standard LuLu Money transfer terms, KYC requirements, and Reward Program Terms and Conditions continue to apply.
  4. 7.4   Customers should conduct remittance transactions based on their genuine financial needs. Participation in this Campaign should not influence Customers to undertake unnecessary transactions.
  5. 7.5   These Terms and Conditions are issued in both Arabic and English. In the event of any inconsistency between the two versions, the Arabic version shall prevail.
  6. 7.6   These Terms and Conditions are governed by the laws of Kuwait.

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