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Fly to Georgia with LuLu Money - Terms and Conditions

These Terms and Conditions govern participation in the “Fly to Georgia with LuLu Money 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 “Fly to Georgia with LuLu Money” lucky draw campaign organised by LuLu International Exchange LLC in accordance with these Terms and Conditions.
  2. 1.2   Campaign Period: means the duration from 6 August 2026 to 6 September 2026, both dates inclusive.
  3. 1.3   Participant: means any eligible customer of LuLu Money who meets the eligibility criteria set out in Section 2.
  4. 1.4   Qualifying Transaction: means a single successful remittance transaction of a minimum value of AED 1,000, completed through the LuLu Money App within the Campaign Period, which qualifies the Participant for their first Draw Entry.
  5. 1.5   Bonus Transaction: means any subsequent single remittance transaction of a minimum value of AED 500, completed through the LuLu Money App within the Campaign Period, following a Participant’s Qualifying Transaction. Each Bonus Transaction earns 1 additional Draw Entry.
  6. 1.6   Lucky Draw: means the random selection process conducted by LuLu Exchange to determine the Winners from among all eligible entries.
  7. 1.7   Draw Entry: means one entry into the lucky draw. A Participant receives 1 Draw Entry upon completing a Qualifying Transaction, and 1 additional Draw Entry for each Bonus Transaction.
  8. 1.8   App: means the LuLu Money mobile application, available on iOS and Android.
  9. 1.9   Winners: means the 3 Participants selected through the Lucky Draw in accordance with these Terms and Conditions.
  10. 1.10   Travel Partner: means the individual, of the Winner’s choosing, who accompanies the Winner on the trip.
  11. 1.11   Associated Campaign Partners: means LuLu Holidays, the appointed agency, prize suppliers, and their staff.
  12. 1.12   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 all registered LuLu Money App users who are residents of the UAE, aged 18 years or above, and hold a valid Emirates ID and passport.
  2. 2.2   To be eligible for the Lucky Draw, a Participant must complete one Qualifying Transaction of AED 1,000 or more during the Campaign Period.
  3. 2.3   Every subsequent Bonus Transaction of AED 500 or more, completed after the Qualifying Transaction and within the Campaign Period, earns the Participant 1 additional Draw Entry. There is no cap on the number of entries a Participant can earn.
  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.
  6. 2.6   Employees of LuLu Money, LuLu Exchange, and their associated campaign partners are not eligible to participate in the Lucky Draw.
  7. 2.7   Each Qualifying Transaction must be successfully completed and credited within the Campaign Period. Transactions initiated but not successfully completed before the close of the Campaign Period on 6 September 2026 will not be counted.
  8. 2.8   Cancelled, returned, or void remittance transactions will not be counted towards the Qualifying Transaction or Draw Entries. If an entry is based on a transaction that is later reversed, charged back, or found to be structured, manipulated, or fraudulent, that entry becomes void even if discovered after the draw has taken place, provided it is before the prize is handed over. Winning is not final until the winner successfully completes identity verification and any other due diligence required by LuLu Exchange.

3. Prizes

  1. 3.1   Three winners will be selected from all eligible Draw Entries at the close of the Campaign Period. Each winner will receive a voucher for a 5 Days / 4 Nights trip to Georgia for 2 adults (the Winner and their chosen Travel Partner), in partnership with LuLu Holidays.
  2. 3.2   The voucher is valid for travel until 30 November 2026. Booking confirmation must be made at least 20 days prior to the intended travel date.
  3. 3.3   The offer is not valid during peak travel periods, public holidays, long weekends, or any designated blackout dates.
  4. 3.4   The prize is non-transferable, non-refundable, and cannot be redeemed for cash or exchanged for any other product or service.
  5. 3.5   Travellers are responsible for ensuring they hold a valid passport with a minimum of six (6) months’ validity from the date of travel and for meeting any applicable visa requirements based on their nationality. The prize does not include assistance or support in obtaining any visa.
  6. 3.6   The prize does not include meals, events, or activities beyond those specified in the official itinerary, nor does it include hotel incidentals, personal expenses, or any other costs not expressly stated as part of the prize inclusions.
  7. 3.7   Failure to use a confirmed booking (no-show) will be treated as a 100% cancellation, with no refund applicable. Any requested amendments to a booking may incur additional charges.
  8. 3.8   If a Winner cannot be contacted, fails to respond within fourteen (14) calendar days of the first notification, fails to provide the required documentation, or is found to be ineligible or disqualified under these Terms and Conditions, the Winner shall forfeit the prize and shall have no claim against LuLu Exchange. A reserve winner will be selected in sequence from the same supervised draw, subject to the same verification requirements and a 7-day response period.
  9. 3.9   LuLu Exchange reserves the right to substitute the prize with another prize of equivalent or higher value at its sole discretion, subject to the approval of the competent authority.

4. Winner Selection and Notification

  1. 4.1   Winners will be selected through a random Lucky Draw conducted following the close of the Campaign Period on 6 September 2026, from all eligible Draw Entries.
  2. 4.2   The Lucky Draw will be conducted in the presence of a government official from the Abu Dhabi Municipality to ensure fairness and transparency.
  3. 4.3   Winners will be announced within 7 working days after the close of the Campaign Period on the official LuLu Exchange / LuLu Money social media pages and/or website.
  4. 4.4   Winners will be required to submit the following documentation to claim their prize:
    a valid Emirates ID, a valid passport (for both the Winner and their Travel Partner), and the relevant transaction confirmation details.
  5. 4.5   Once a Winner has been verified and all required documentation has been submitted, LuLu Holidays will coordinate directly with the Winner to confirm travel dates and issue the travel voucher.
  6. 4.6   The outcome of the supervised random draw shall be final with respect to the selection of the Winners, subject to verification of eligibility and approval by the competent authority. Nothing in this clause limits a Participant’s right to raise a complaint with LuLu Exchange or, where eligible, escalate the complaint to Sanadak.

5. Content Rights & Privacy

  1. 5.1   By participating in this Campaign, Participants acknowledge and agree that LuLu Exchange may process and use their personal data for the purposes of administering the Campaign, verifying eligibility and entries, conducting the Lucky Draw, verifying Winners, and delivering prizes in accordance with applicable UAE Data Protection laws. Any use of a Winner’s name, likeness, photographs, or video recordings taken during prize collection or campaign events for marketing, promotional, or publicity purposes will only take place with the Winner’s consent.
  2. 5.2   Any specific details regarding a Participant’s financial transactions or remittance history will remain strictly confidential and will never be used, shared, or published for marketing purposes without the Participant’s separate and explicit consent.
  3. 5.3   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.
  4. 5.4   LuLu Exchange will not share personal data with any third party except where required by law or for the administration of the prize, including sharing necessary travel details with LuLu Holidays solely for the purpose of prize fulfilment.

6. Verification & Fraud Prevention

  1. 6.1   LuLu Exchange may request proof of authenticity, including transaction details, screenshots, or other supporting documents, to verify a Participant’s eligibility.
  2. 6.2   If any transaction or participation is found to be suspicious, fraudulent, manipulated, or based on misleading information, LuLu Exchange reserves the right to disqualify the Participant or Winner and withdraw the prize.
  3. 6.3   LuLu Exchange will never ask Customers for their personal bank details, one-time passwords (OTPs), passwords, or require Winners to pay any fee in order to claim their prize.
  4. 6.4   All official communications relating to the Campaign will only be issued through verified LuLu Exchange and LuLu Money channels.
  5. 6.5   No additional fees are charged for participation in the Campaign other than the standard transaction charges applicable to remittance services.

7. Liability & Technical Failures

  1. 7.1   LuLu Exchange accepts no responsibility for entries that are not successfully completed due to technical malfunctions, hardware or software failures, network interruptions, or server failures of any kind. Incomplete transactions will not be considered Qualifying Transactions.
  2. 7.2   LuLu Exchange shall not be liable for any loss or damage resulting from participation in this Campaign or the acceptance or use of the prize, except where such liability arises directly from LuLu Exchange’s proven negligence or fraud, and only to the extent required by applicable UAE law.
  3. 7.3   LuLu Exchange shall not be liable for any delay or failure to perform its obligations under these Terms and Conditions arising from a Force Majeure Event. Where a Force Majeure Event materially affects LuLu Exchange’s ability to conduct the Campaign, LuLu Exchange may suspend, extend, or cancel the Campaign, in whole or in part, at its sole discretion, subject to applicable regulatory requirements.
  4. 7.4   LuLu Exchange shall not be responsible for the acts, omissions, services, or defaults of LuLu Holidays or any other third-party service provider in connection with the prize.
  5. 7.5   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 the Participant is eligible to receive.
  6. 7.6   Participants and Winners agree to indemnify and hold LuLu Exchange, its officers, employees, and Associated Campaign Partners harmless from and against any claims, losses, damages, costs, or liabilities arising from: (a) the Participant’s or Winner’s breach of these Terms and Conditions; (b) any fraudulent, structured, or manipulated transaction or entry; (c) the Winner’s or Travel Partner’s conduct during travel, prize collection, or any related Campaign event; or (d) any inaccurate or false information provided by the Participant or Winner. This indemnity does not extend to losses arising from LuLu Exchange’s own proven negligence or wilful misconduct.

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   LuLu Exchange will endeavour to resolve complaints within the timelines prescribed by the Central Bank of the UAE (CBUAE), where applicable. If a complaint remains unresolved, or if the Participant is dissatisfied with the resolution after 15 days of the applicable CBUAE-prescribed timeline, the Participant may escalate the complaint to Sanadak, the UAE’s independent Ombudsman Unit for Licensed Financial Institutions and Insurance Companies.
  3. 8.3   The outcome of the Lucky Draw shall be conclusive with respect to the identity of the 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.

9. General Terms & Conditions

  1. 9.1   Standard remittance fees, exchange rates, and applicable taxes apply. Customers should undertake remittance transactions only for genuine financial needs and should not make unnecessary transactions solely to obtain additional Draw Entries.
  2. 9.2   This Campaign is subject to any required registrations, approvals, permits, licences, or authorisations under the laws and regulations of the United Arab Emirates (UAE).
  3. 9.3   LuLu Exchange reserves the right to modify, postpone, cancel, or void the Campaign at any time, or to change the draw date, at its sole discretion, due to regulatory, operational, or exceptional circumstances. Any material change will be approved by the competent authority where required and communicated promptly through official channels.
  4. 9.4   Failure to comply with any of these Terms and Conditions may result in the immediate disqualification of the Participant.
  5. 9.5   Participants must 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 Participant using the latest details on record and the Participant fails to respond or cannot be reached due to outdated or incorrect information.
  6. 9.6   These Terms and Conditions are governed by the laws of the United Arab Emirates (UAE). LuLu Exchange submits to the non-exclusive jurisdiction of the courts of Abu Dhabi, consistent with its registered place of business.
  7. 9.7   LuLu Money is a licensed digital platform under LuLu Exchange, regulated by the Central Bank of the UAE (CBUAE). This Campaign relates to regulated remittance services and does not amend or replace the standard terms and conditions applicable to the underlying remittance transaction.
  8. 9.8   By participating in this Campaign, Participants acknowledge that they have read, understood, and accepted these Terms and Conditions and consent to the publication of their name should they be selected as a Winner.
  9. 9.9   Customers should conduct remittance transactions based on their genuine financial needs. Participation in this Campaign should not encourage or influence Customers to undertake unnecessary transactions.
  10. 9.10   If any provision of these Terms and Conditions is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
  11. 9.11   These Terms and Conditions are issued in both Arabic and English, and both versions are available on the LuLu Exchange website. In the event of any inconsistency between the two versions, the Arabic version shall prevail.

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