flag

uae

LuLu Exchange Loader
about-banner

LuLu Money SendFest: Terms and Conditions

These Terms and Conditions govern participation in the “LuLu Money SendFest” 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 “LuLu Money SendFest” 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 12 October 2026 to 18 October 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 one Draw Entry.

  5. 1.5   Lucky Draw: means the random selection process conducted by LuLu Exchange on 19 October 2026 to determine the Winners from among all valid Draw Entries.
  6. 1.6   Draw Entry:means one entry into the Lucky Draw, earned for each Qualifying Transaction completed within the Campaign Period.
  7. 1.7   App: means the LuLu Money mobile application, available on iOS and Android.
  8. 1.8   Winners:means the two (2) Participants selected through the Lucky Draw in accordance with these Terms and Conditions.
  9. 1.9   Prize:means one iPhone 18 Pro Max 256GB Burgundy per Winner.
  10. 1.10   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 United Arab Emirates, aged 18 years or above, and hold a valid Emirates ID and passport.

  2. 2.2   To be eligible, a Participant must complete at least one Qualifying Transaction of AED 1,000 or more during the Campaign Period.

  3. 2.3   Each Qualifying Transaction earns one (1) Draw Entry. There is no cap on the number of Draw Entries a Participant can earn, but a Participant can win only one (1) Prize.

  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.

  7. 2.7   Each Qualifying Transaction must show as “Successful” in the App before or by 23:59 UAE time on 18 October 2026. Transactions initiated within the Campaign Period but not successfully completed by that time will not be counted.

  8. 2.8   Cancelled, returned, or void remittance transactions will not count. Entries based on later-reversed, charged-back, structured, manipulated, or fraudulent transactions become void even if discovered after the draw, provided it is before the Prize is handed over. Winning is not final until the Participant successfully completes identity verification and any other due diligence required by LuLu Exchange.

3. Prizes

  1. 3.1   Two (2) Winners will be selected from all valid Draw Entries. Each Winner will receive an iPhone 18 Pro Max 256GB Burgundy.

  2. 3.2   The Prize is non-transferable and cannot be exchanged for cash or any other item.

  3. 3.3   The Prize colour and model are subject to availability.
  4. 3.4   Any applicable manufacturer warranty is governed by the manufacturer’s terms. LuLu Exchange does not provide any additional warranty on the Prize.
  5. 3.5   Winners are responsible for any costs not expressly included in the Prize.

  6. 3.6   Winners must contact LuLu Exchange and submit the required documents within fourteen (14) working days of notification. If a Winner fails to do so, cannot be contacted, or is found to be ineligible or disqualified under these Terms and Conditions, the Prize will be forfeited, and the Winner shall have no claim against LuLu Exchange. A reserve Winner may then be selected through the same process.

  7. 3.7   The Prize will be delivered or handed over as coordinated by LuLu Exchange.

  8. 3.8   LuLu Exchange reserves the right to substitute the Prize with one of equivalent or higher value at its sole discretion, subject to the prior approval of the competent authority where required.

4. Winner Selection and Notification

  1. 4.1   The Lucky Draw will be held on 19 October 2026. Two (2) Winners will be selected randomly from all valid Draw Entries. A Participant selected as a Winner will not be eligible for selection again.

  2. 4.2   The Lucky Draw will be conducted in the presence of a government official from Abu Dhabi Municipality to ensure fairness and transparency.

  3. 4.3   Winners will be contacted on 19 October 2026 through their registered contact details, and announced within forty-eight (48) hours after the Lucky Draw on official LuLu Exchange or LuLu Money channels.

  4. 4.4   Winners will be required to submit a valid Emirates ID and the relevant transaction confirmation details to claim their Prize.
  5. 4.5   The outcome shall be final with respect to selection, 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 escalate to Sanadak.

  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 Participants’ personal data to the extent necessary to administer the Campaign, verify eligibility and entries, conduct the Lucky Draw, comply with applicable legal and regulatory requirements, verify Winners and fulfil Prizes, in accordance with applicable UAE data protection laws and LuLu Exchange’s Privacy Notice.

  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 may share the personal data necessary to administer the Campaign and fulfil the Prize with relevant service providers, prize suppliers and delivery providers, where permitted under applicable laws and regulations and in accordance with LuLu Exchange’s Privacy Notice. LuLu Exchange may also disclose personal data where required by law or by a competent regulatory or government authority.

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), or 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 shall not be responsible for entries that are not successfully completed due to technical malfunctions, hardware or software failures, network interruptions or third-party system failures beyond LuLu Exchange’s reasonable control. This shall not exclude or limit LuLu Exchange’s liability or obligations arising from its own error, negligence, fraud or wilful misconduct, or any liability that cannot lawfully be excluded.

  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 any third-party supplier or delivery provider in connection with the Prize.

  5. 7.5   To the fullest extent permitted by applicable law, Nothing in these Terms and Conditions shall exclude or limit any liability or obligation of LuLu Exchange that cannot be excluded or limited under applicable UAE law.
  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 conduct during 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 the complaint remains unresolved, or if the Participant is dissatisfied with LuLu Exchange’s response after 15 calendar days, the Participant may escalate the complaint to Sanadak, subject to Sanadak’s applicable requirements.

  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 laws, regulatory requirements, and the Participant’s right to make a complaint or seek legal remedies.

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 may modify, postpone or cancel the Campaign where reasonably necessary due to regulatory requirements, operational circumstances, fraud, technical issues, force majeure or other circumstances beyond its reasonable control, subject to applicable law and any required regulatory approval. Any material change will be 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). Any dispute arising out of or in connection with them may be brought before the competent court in the UAE. Nothing in these Terms and Conditions shall restrict any mandatory rights or remedies available to Participants under applicable UAE law.

  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   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.

  10. 9.10   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.

People of Determination link