Mox Scratch Card Promotion (the “Promotion”) terms and conditions

These terms apply to the Promotion offered by Mox Bank Limited (“Mox”, “we”, “us”). By participating in the Promotion, 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 other terms, and the use of your Mox Card and account(s) will remain subject to our other terms.
If there is any inconsistency between these terms and any of our other terms, these terms will prevail.
The Promotion will begin on 17 February 2022 and end on the earlier of 31 March 2022 or the date on which the 130,025 available quantity of Scratch Cards (as defined below) (“Available Stock”) has been exhausted (the “Promotion Period”). The redemption period will begin on 17 February 2022 and end on 15 April 2022 (the “Redemption Period”). We may change the dates of the Promotion Period and the Redemption Period at any time in our absolute discretion. The provision of a Scratch Card is on a first come, first served basis, while Available Stock remains. We will not update you on the use of the Available Stock.
To be eligible to participate in the Promotion, during the Promotion Period, you are required to complete an Eligible Transaction (as defined below) on your Mox Card with Mox Credit of at least HKD500. Each time you do so you will be a “Participant” for the purposes of the Promotion and these terms.
Each “Eligible Transaction” is ultimately determined by us as so in our absolute discretion based on transaction records held by us (which are final and conclusive in case of any discrepancy). Examples of Mox Card transactions that are not considered to be an Eligible Transaction are:
(a) transactions not eligible for CashBack – see clause 7.5(b) in Schedule 1 to the General Terms and Conditions (Terms and conditions for accounts and card management);
(b) transactions at the ‘CashBack Merchants’ corresponding to the ‘CashBack offer period’ that falls within the Promotion Period as listed in Mox’s CashBack table on our website; and
(c) e-wallet top-ups including but not limited to, transactions conducted via WeChat Pay and Octopus top-ups via Apple Pay.
Each time you become a Participant during the Promotion Period, a “Scratch Card” will be available in your Mox app.
Each Scratch Card has a single cash value of between HKD5 and HKD688 (the “Scratch Card Cash Reward”). You are eligible to receive up to (and including) 3 Scratch Cards during the Promotion Period. You can only receive up to two (2) Scratch Cards from the same merchant per day (as identified and determined by Mox in its absolute discretion).
During the Redemption Period, Participants can redeem the respective Cash Reward of a Scratch Card. In order to do so, the Eligible Transaction is at least HKD500 and must have settled (i.e. appear as “completed” in the Mox app) and Participants will be required to comply with any instructions or requirements as set out in the Mox app relating to the redemption of a Scratch Card and its referable Scratch Card Cash Reward. If Participants fail to do so during the Redemption Period, any Scratch Card (and referable Scratch Card Reward) will be deemed forfeited.
The Scratch Card Cash Reward referable to a Scratch Card that has been successfully redeemed by a Participant during the Redemption Period will be credited into that eligible Participant’s Mox Account by Mox on or before 15 April 2022.
Each Participant is only eligible for a Scratch Card if:
(a) the Participant holds a valid and active Mox Account in their name when the Participant redeems the Scratch Card Cash Reward and when Mox credits the Scratch Card Cash Reward into their Mox Account, with that Mox Account not having been suspended or closed by the Participant or Mox or in arrears or default; and
(b) the Participant meets any additional requirements communicated by Mox, such as any requirements specified in connection with the Promotion.
Neither your participation in the Promotion nor your eligibility for a Scratch Card may be transferred or assigned to any other person or 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:
(a) change, modify, suspend or terminate the Promotion or these terms (including the Available Stock, the eligibility criteria for being awarded a Scratch Card and the monetary value of any Scratch Card Cash Reward);
(b) refuse to offer or distribute to, or claw back from, a Participant, or cancel a Participant’s ability to redeem, a Scratch Card or Scratch Card Cash Reward from a Participant for any reason Mox deems appropriate, including but not limited to where an Eligible Transaction has been refunded or reversed (in full or in part) or if Mox believes there is any illegal, fraudulent or abnormal activity on the Participant’s Mox Account; and
(c) make any decision or take any action in connection with the Promotion (including to refuse or suspend your participation in the Promotion or determine whether the Promotion can or cannot be combined with any other offer or promotion).

Any such decision shall be conclusive and binding on you.
In circumstances of any network or technical error which causes or results in the loss of, or failure to reward, a Scratch Card to a Participant on an Eligible Transaction, Mox reserves the right in its absolute discretion to compensate any such impacted Participant with a cash reward equivalent to HKD5 for each such lost or missed Scratch Card (by crediting such amount into such Participant’s Mox Account). The crediting of any such cash reward for a lost or missed Scratch Card will not count towards the maximum number of Scratch Cards you can receive pursuant to these terms.
If dispute arises in connection with the Promotion, Mox’s decision is final.
To the extent permitted by laws and regulations, you shall release Mox, its affiliates and shareholders from all actions, proceedings and claims which may be brought by or against Mox, its affiliates or shareholders arising from or in connection with your participation in the Promotion (including any decision not to offer or distribute you, or your failure to receive or redeem, a Scratch Card or Scratch Card 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 release continues after the termination of these terms or the expiry of the Redemption Period.
The Promotion does not constitute any offer, invitation or recommendation to any person to enter into any transaction described in these terms or any similar transaction. Nothing under these terms or the Promotion will deem, imply or suggest that a person or entity is acting as an agent or representative of Mox or otherwise soliciting business on behalf of Mox.
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) other than as set out in these terms.
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 inconsistency between the English and Chinese versions of these terms.
To borrow or not to borrow? Borrow only if you can repay!

Last updated: 17 February 2022.