PrOrewards Programme Terms & Conditions

1.    The PrOrewards Programme (“Programme”) is organised by Pacific & Orient Insurance Co. Berhad (Registration No. 197201000959 (12557-W)) (“Organiser”).

Programme Period

2.    This Programme runs from 20 June 2021 until 30 June 2022 (both dates inclusive) ("Programme Period").

Eligibility

3. This Programme is open to all existing citizens and permanent residents of Malaysia who are at least eighteen (18) years of age or older that are motor policy holder customers of the Organiser who successfully introduce or refer contacts to apply for the Organiser’s motor insurance products during the Programme Period based on the Programme Mechanics as set out herein ("Eligible Customers").

4. Each Eligible Customer who participates in the Programme and introduces another person to apply for Organiser’s motor insurance products shall also be referred to as "Referrer" and the person he introduces shall be referred to as "Referee".

5. If a Referee whose application has been successfully approved also introduces another person to apply for the Organiser’s motor insurance products, the Referee will in such circumstance also be considered as a Referrer. The application for the Organiser’s motor insurance products will only be considered as successful upon issuance of the policy to the Referee and the policy is not terminated during the free-look period, terminated with refund of premium, surrendered or lapsed for any reason whatsoever, either voluntarily or involuntarily.

Programme Mechanics

6. Subject to these Terms and Conditions, Referrer who has successfully referred a Referee to apply for the Organiser’s motor insurance products will be entitled to receive ONE (1) Touch ‘n Go e-wallet top up worth Ringgit Malaysia Twenty Five (RM25) for a successful referral of a private car insurance product OR ONE (1) Touch ‘n Go e-wallet top up worth Ringgit Malaysia Fifteen (RM15) for a successful referral of a motorcycle insurance product (“Gift”).

7. Each eligible Referrer is only entitled to receive a maximum of one (1) Gift for each successfully referred Referee subject to availability on a first come, first served basis.

8. Referrer

a) Referrers can refer Referees by following the steps on PrOrewards (poirewards.com) which can be found on the Organiser's official website or from link(s) in the electronic direct mail from the Organiser. Referrers can also refer themselves in the particular scenario where the referrer owns more than one (1) vehicle.

b) Referrers must then introduce the Referees to the Organiser’s motor insurance products by generating and sharing the Referrer's unique referral link with their personal information. It remains the Referrer's sole responsibility to ensure that their information (including but not limited to their name as in NRIC, NRIC number, email address, contact number and postcode) used to create their unique referral link is captured and the same as registered in the Organiser's records. Failure to do so may result in the referral being invalid and no Gift will be rewarded. In conjunction with the aforesaid referral, the Referrer hereby confirms, represents, and warrants that the Referrer has obtained consent from the Referee to refer such Referee to the Programme.

c) A Referrer will be tagged to his Referee and both the Referrer and his Referee will each be rewarded with a Gift only if his Referee makes a successful application for the Organiser’s motor insurance products strictly through the Referrer's unique referral link. Any other application channels will not be valid for the purpose of this Programme.

d) Upon successful application by the Referee, the Referrer will be rewarded with the Gift subject to availability on a first come, first served basis and these Terms and Conditions. The Gift will be awarded to the Referrer one (1) month after a successful application by the Referee or the Referee’s successful application policy effective date, whichever is later.

e) The Organiser reserves the right to disqualify a Referrer from participating in the Programme and/or from receiving the Gift if any of the information provided by the Referrer or the Referee is false or incorrect in any respect.

9. Referee

a) Referees must submit their applications for the Organiser’s motor insurance products through the Referrer's unique referral link. This unique referral link is essential for the Organiser to identify a Referee to a Referrer. As such, any other application channels will not be valid for the purpose of this Programme.

b) The Referee's application must be successfully approved on or before the end of the Programme Period. Upon successful application during the Programme Period, the Referrer will each be entitled to a Gift on a first come, first served basis and subject to these Terms and Conditions.

c) It remains the Referee's responsibility to ensure that their information submitted and captured through the Referrer's unique referral link is correct. Failure to do so may result in the referral being invalid and no Gift will be rewarded to the Referrer and the Referee.

d) The Referee must not have applied for the Organiser’s motor insurance products on any occasion prior to the Programme Period, regardless of whether such application was successful or not.

e) In the scenario where the Referee is submitting a second successful application (renewal) for the Organiser’s motor insurance product of the same vehicle ID using a Referrer’s unique referral link, this will not be considered as a successful referral under this programme. 

10. For every successfully approved Organiser’s motor insurance products referred through this Programme:

a) The Referrer will receive one (1) Gift for each successfully referred purchase of the Organiser’s motor insurance products subject to availability on a first come, first served basis.

b) For the avoidance of doubt, the Organiser’s motor insurance products are the only insurance products which are eligible for the purpose of this Programme. In this respect, the Referrer will be tagged to the Referee only if the Referee applies for the Organiser’s motor insurance products through the Referrer's unique referral link.

c) Subject to these Terms and Conditions, a Referrer who qualifies for the Gift will receive an email from the Organiser or the Organiser's authorised representatives on how to redeem the Gift within one (1) month from the date the Referee's application has been deemed successfully approved by the Organiser, provided always that the Referee's insurance policy with the Organiser is valid and subsisting and not cancelled, suspended or terminated for any reason whatsoever.

d) The Gift will be processed based on the information provided by the Referrer and the Referee for the purpose of this Programme. It remains the responsibility of the Referrer and the Referee to ensure that all their information provided to the Organiser at the point of submission is correct.

e) If more than one Referrer refers the same Referee, the Organiser will determine the successful Referrer based on ownership of the unique referral link used by Referee to successfully apply for the Organiser’s motor insurance products.

f) The Organiser reserves the right to revoke or cancel all or any of the Gift if any of the Referrer's existing policies with the Organiser has lapsed or is cancelled, suspended or terminated for any reason whatsoever.

g) The Organiser reserves the right to not award any of the Gift to the Referrer if any of the successful Referee's purchased policies have been cancelled without valid reason or due to any potential fraudulent activities.

General Terms and Conditions

11. All decisions made by the Organiser in relation to this Programme including but not limited to the selection of Eligible Customers and/or their Referees and forfeiture of the Gift (if any) shall be final, conclusive and binding. No correspondences or appeals will be entertained. The selection of the Eligible Customers and/or their Referees shall be in accordance with the Programme Mechanics and determined at the Organiser's sole and absolute discretion. The Organiser reserves the sole and absolute discretion to reject the Referee's application for the Organiser’s motor insurance products without having to assign any reasons whatsoever. Thereafter, the Eligible Customer's referral would not be deemed successful and no correspondences or appeals from the Eligible Customer and/or this Referee will be entertained.

12. The Organiser reserves the right at its sole and absolute discretion to alter, add, cancel or substitute the Gift with alternative items of equivalent value at any time without prior notice. The Gift is not transferable, non-refundable and non-exchangeable for cash (whether in whole or in part) and will only be presented to Eligible Customers and their Referees who are able to satisfy the Organiser's Gift redemption requirements as set out herein. The Referrers shall be solely responsible for the reporting and payment of any and all taxes payable under the applicable laws as a result of a Gift being awarded.

13. The Organiser will not be held liable in the event of non-receipt or delayed delivery of any form of notification to the Eligible Customers and/or their Referees. All costs incidental to the Eligible Customers and/or their Referees’ participation in the Programme and redemption and/or usage of the Gift shall be solely borne by the Eligible Customers and/or their Referees. The Organiser assumes no responsibility or liability for any damage, loss, or injury resulting from the acceptance or use of any Gift. In no event will the Organiser, its holding company, subsidiaries or related corporations (“Affiliates”), and each of their respective directors, officers, employees, and agents be liable for any direct, indirect, special, exemplary, punitive, incidental or consequential damages of any kind, whether based in contract, tort or otherwise, which arise out of or are in any way connected with the Programme.

14. The Organiser reserves the right at its sole and absolute discretion, to disqualify any Eligible Customers and/or their Referees who is/are in breach of any of these Terms and Conditions. The decision for disqualification is final and the disqualified Eligible Customers and/or Referees will accordingly have no recourse and/or remedy and/or relief against the Organiser in respect of the said disqualification and/or in respect of any matters relating to and/or arising from this Programme, including the withdrawal of the Gift. In such circumstances, the Organiser reserves the right to deal with the Gift at its sole and absolute discretion.

15. The Organiser reserves the right at its sole and absolute discretion, to disqualify Eligible Customers and/or their Referees that are found or suspected of tampering with the Programme Mechanics or the operation of this Programme. Any false information provided within the context of the Programme by the Eligible Customers and/or their Referees concerning identity, mailing address, telephone number or email address shall result in the immediate elimination of the participant from the Programme.

16. Any attempt by any person to damage the website administered by the Organiser or undermine the legitimate operation of the Programme may be a violation of criminal and civil law, and should such attempt be made, the Organiser reserves the right to seek damages and any other remedies from such person to the fullest extent permitted by law.

17. If the Programme is not capable of being administered for any reason, including but not limited to, infection by computer virus, bugs, tampering, unauthorised intervention, any technical failure, communication network failure, hardware and/or software failure, transmission failure, internet line failure and/or otherwise, the Organiser shall not be held liable for the same and the Organiser may, with or without notice, do as it deems fit including but not limited to cancelling and/or suspending this Programme.

18. The Organiser, its Affiliates, promoters, agents, participating merchant and its staff shall not be held liable in any way for the following: a) any additional expenses incurred by the Eligible Customers and/or their Referees for taking part in the Programme; b) any sort of technical failure; c) intervention by unauthorised parties during the Programme; d) electronic or human errors in the administration of the Programme and processing of applications; e) any data entry that is lost, stolen, damaged, wrongly delivered or not received which is not due to the negligence or wilful default of the Organiser.

19. The Eligible Customers and/or their Referees unconditionally and irrevocably agree to assume full liability and responsibility to the extent permitted by law in the event of any loss, mishap, injury, damage, claim, or accidents (including death) suffered as a result of or arising from their participation in this Programme, redemption and/or utilisation of the Gift where applicable.

20. All applications submitted (and all information in connection therewith) for the Programme shall become the property of the Organiser. The Organiser reserves the right to use, publish, disclose or display the name, address, photograph, recording, particulars and/or documents of all Eligible Customers and/or their Referees for any legitimate purpose as it deems appropriate, including but not limited to advertising and publicity purposes, without compensation to the Eligible Customers and/or their Referees (or where applicable, their authorised representatives).

21. The Organiser reserves the right at its sole and absolute discretion to modify, cancel, terminate or suspend the Programme at any time without prior notice. For the avoidance of doubt, any modification, cancellation, termination or suspension by the Organiser of the Programme shall not entitle the Eligible Customers and/or their Referees to any claim or compensation against the Organiser for any or all loss or damage suffered or costs and expenses incurred by the Eligible Customers and/or their Referees either directly and/or indirectly arising from or in connection with the modification, cancellation, termination or suspension of the Programme by the Organiser.

22. The protection of personal data is an important concern to the Organiser. The personal data collected as provided by the Eligible Customers and their Referees for the purpose of this Programme will be processed in accordance with the Personal Data Protection Notice of the Organiser which is available for viewing at PDPA Notice | Pacific & Orient Insurance (poi2u.com) ("Privacy Policy"). By participating in the Programme, the Eligible Customers and their Referees hereby consent to the Organiser collecting, using, disclosing, and/or processing their personal data in the manner set out in Privacy Policy and permits the Organiser and/or authorised parties to contact the participant and manage their personal data regarding the Programme and the results of the Programme.

23. The Eligible Customers and their Referees agree that the Organiser has the right to disclose their information in the event the Organiser believes that such disclosure is necessary to identify, contact or bring legal action against an individual who might cause or may be causing damage to or interfere (whether intentionally or otherwise) with the Organiser's rights or property, which could be harmed by such activities. The Organiser may also disclose the personal data under the requirements of any law, rules, regulations, codes of practice or guidelines binding on the Company including, without limitation, any applicable regulators, governmental bodies and where otherwise required by law.

24. By participating in this Programme, the Eligible Customers and their Referees agree that they have read, understood and agreed to be bound by these Terms and Conditions that govern the Programme, and accept that all decisions by the Organiser are final and binding.

25. Failure or delay by the Organiser to enforce any provision of these Terms and Conditions shall not constitute a waiver of that provision.

26. As a condition of participating in the Programme, the Eligible Customers and their Referees agree that, except where prohibited, any and all disputes, claims and causes of action arising out of, or connected with, the Programme shall be resolved individually with the Organiser, and in this regard, each of the Eligible Customers and their referees hereby unconditionally and irrevocably agrees to waive the right to participate in any form of class action. These Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia and each of the Eligible Customers and their Referees hereby agree to submit to the exclusive jurisdiction of the courts of Malaysia in connection with any dispute arising out of or in connection with these Terms and Conditions.

27. If one or more of the provisions of these Terms and Conditions is invalid, illegal or unenforceable in any respect under any applicable law or decision, the validity, legality or enforceability of the remaining provisions contained in these Terms and Conditions will not be affected or impaired in any way.

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