Mox Referral Programme 5 (the “Programme”) Terms and Conditions

These terms apply to the Programme offered by Mox Bank Limited (“Mox”). By participating in the Programme, you agree to these terms.
You must read these terms along with Mox’s Personal Information Collection Statement, Privacy Policy Statement, General Terms and Conditions and any other terms we may provide to you. These terms apply in addition to any such terms, and your use of any of our products and services remains subject to such other terms.
If there is any inconsistency between these terms and any of the other Mox terms, these terms will prevail.
An individual who already has a valid Mox Account opened in his/her name (the “Referrer”) will be provided a unique invitation code (an “Invitation Code”) by Mox via the ‘Discover’ page in his/her Mox app that can be used by a Referee (as defined below) during the period displayed in the table in clause 21 of these terms (the “Promotion Period”)for completing a Successful Referral (as defined below).
A “Successful Referral” occurs when:
During the Promotion Period:
a Referrer provides the Invitation Code to an individual who has never held a Mox Account in their name (a “ Referee”);
the Referee downloads the Mox app and applies for a Mox Account and Mox Credit using the Referrer’s Invitation Code; and
During the period from the date the Referee successfully opens his/her Mox Account (i.e. the date which his/her digital Mox Card is ready to use) and the following 30 days, the Referee spends at least a total of the HKD amount displayed in the table in clause 22 of these terms on his/her Mox Card (digital or physical) with Mox Credit across one, or more Successful Purchase Transaction(s) (as described below) (the “Mox Credit Spend Requirement”).
“Successful Purchase Transaction(s)”are transactions for the purchase of goods and services which are determined by Mox, in its absolute discretion, to be eligible to contribute towards the Mox Credit Spend Requirement, based on transaction records held by Mox. For a transaction to be a Successful Purchase Transaction and contribute towards the Mox Credit Spend Requirement, it does not need to have ‘settled’ (i.e. appear as ‘completed’ in the Mox app) during the 30-day period following the date the Referee opens his/ her Mox Account (i.e. they can still appear as ‘pending’ in the Mox app).
The following are some examples of transactions which do not constitute Successful Purchase Transaction(s):
money transfers via the Mox app;
invalid, cancelled, refunded transactions;
gambling or betting transactions, including government licensed horse / dog racing;
cash withdrawals;
cash advances or Instant Clears;
payments through digital wallets (except in most cases for payments made through Google Pay or Apple Pay) and purchases with, or reloading of, stored value cards (including but not limited to Octopus account top-up transactions via an e-wallet or any other means);
payments in relation to crypto-currencies;
sending or transferring cash using your Mox Card or Mox Account (whether by a digital means or otherwise);
payments to financial institutions, including brokers and dealers;
bill payments, tax payments or insurance payments;
purchases of foreign currencies, money orders or traveller's cheques;
payments of financial charges or fees;
transactions which are designated by us (in our absolute discretion) or by Mastercard (in their absolute discretion) as ‘mail order’ or ‘postal service’ or ‘commuter passenger transportation’ transactions; and
purchases of reward programs or memberships (designated as such by Mastercard).
Subject to these terms (including clause 5 of these terms above), following a Successful Referral, each of the Referrer will be eligible to receive the reward displayed in the table in clause 23 of these terms from Mox according to the table in clause 23 of these terms and each of the Referee will be eligible to receive the reward displayed in the table in clause 24 of these terms from Mox according to the table in clause 24 of these terms (each a “Cash Reward”).
Except as otherwise set out in clause 23 of these terms, the Cash Reward will be paid into each of the Referrer’s and the Referee’s Mox Account by Mox within 30 days after:
Mox has determined that a Successful Referral has taken place. In this respect, whether a Successful Referral has taken place, and the number of, Successful Referrals a Referrer has completed is ultimately determined by Mox in its absolute discretion based on referral records held by Mox (which are final and conclusive in case of any dispute); and
the Successful Purchase Transaction(s) made by the Referee which contribute towards the Mox Credit Spend Requirement corresponding to the Successful Referral have ‘settled’ in the Referee’s Mox Credit (i.e. appear as ‘completed’ in the Referee’s Mox app) per Mox’s transaction records (which are final and conclusive in case of any discrepancy).
A Referee can only participate in the Programme as a Referee once.
Each of the Referrer and the Referee is eligible to receive the Cash Reward only if:
the Referee has never held a Mox Account in their name at any time prior to the opening of their Mox Account using the Invitation Code. The Referee is considered to have held a Mox Account even if the Referee hasn’t completed any transactions on their prior Mox Account;
the Referee has never previously received the Cash Reward or been a Referee. A Referee who has been successfully referred by a Referrer cannot be referred by any other Referrer. That Referee can however become a Referrer him/herself if he/she chooses to. In this respect, Mox’s records are final and conclusive in case of any discrepancy;
each of the Referrer and the Referee holds a valid Mox Account in their respective name when Mox attempts to pay the Cash Reward, with neither Mox Account having been suspended or closed by the Referrer or Referee (as applicable) or Mox or in arrears or default; and
each of the Referee and the Referrer meets any additional requirements applicable to he/she communicated by Mox, such as any requirements specified in connection with the Programme.
Subject to these terms, including satisfaction of any requirements specified by Mox in connection with the Programme, Mox will continue to pay the Cash Reward to eligible Referrers and Referees after the Promotion Period has ended.  
Neither participation in the Programme by a Referrer or a Referee nor eligibility for any Cash Reward may be transferred, exchanged or converted into any other benefit or right.
Mox reserves the right, at any time without notice or reason and in its sole discretion, to:
change, modify, suspend or terminate the Programme or these terms (including any Cash Reward and its monetary value);
refuse to offer or distribute the Cash Reward to any Referrer or Referee if Mox believes a Mox Account has been opened for an improper purpose (for example attempting to secure payment of the Cash Reward by closing and opening one or more Mox Accounts) or for any other reason Mox deem relevant;
make any decision in connection with the Programme (including to refuse or suspend a Referrer’s or Referee’s participation in the Programme, determine whether the Cash Reward can or cannot be combined with any other offer or promotion offered by Mox); and
determine that an Invitation Code has been used for an improper purpose and cancel the use of any such Invitation Code.
Any such decision shall be conclusive and binding on a Referrer or Referee (as applicable).
If any dispute arises in connection with the Programme, Mox’s decision is final.
To the extent permitted by laws and regulations:
Mox, its affiliates and shareholders shall not be responsible for any loss suffered by any Referrer or Referee; and
each Referrer and Referee shall release Mox, its affiliates and shareholders from all actions, proceedings and claims which may be brought by or against Mox or its affiliates or shareholders,
arising from or in connection with his/her participation in the Programme (including any failure to receive the Cash Reward) or these terms, unless due to Mox’s, its affiliates’ or shareholders’ gross negligence, fraud or wilful default and only to the extent of direct and reasonably foreseeable loss and damage arising directly and solely from such gross negligence, fraud or wilful default.
This clause 14 continues after the termination of these terms or the expiry of the Promotion Period.
A person who is not a party to these terms has no rights to enforce or enjoy the benefit of any of their provisions under the Contracts (Rights of Third Parties) Ordinance (Cap. 623). This does not apply to the Referee or as otherwise set out in these terms.
The Programme does not constitute an offer, invitation or recommendation to any person to enter into any transaction.
Nothing under these terms or the Programme will deem, imply or suggest that a Referrer (or any other person or entity) is acting as an agent or representative of Mox or otherwise soliciting business on behalf of Mox.
These terms are governed in all respects by and construed in accordance with the laws of the Hong Kong Special Administrative Region. The parties submit to the exclusive jurisdiction of the courts of the Hong Kong Special Administrative Region.
The English version prevails if there is any discrepancy or inconsistency between the English and Chinese versions of these terms.
To borrow or not to borrow? Borrow only if you can repay!
Promotion Period 1 April 2022 until 30 April 2022 (both dates inclusive)
Mox Credit Spend Requirement HKD400
Referrer’s Cash Reward
Successful Referral (i.e. meets the requirements in clause 5 of these terms) Cash Reward
1st Successful Referral HKD100 + HKD200 First Referral Bonus*
2nd Successful Referral HKD300
3rd Successful Referral HKD100
4th Successful Referral HKD100
5th Successful Referral HKD200
6th Successful Referral and onwards HKD100 each
*The HKD200 first referral bonus will be paid into the Referrer’s Mox Account within 30 days after the Cash Reward for the first referral (i.e. HKD100) has been paid to that Referrer.

Referee’s Cash Reward
Successful Referral (i.e. meets the requirements in clause 5 of these terms) Cash Reward
Each Referee who completes a Successful Referral by meeting the Credit Spend Requirement HKD400

Last updated: 1 April 2022.