1. Campaign Overview

This Lucky Draw Campaign ("Campaign") is organized by Pine Payment Solutions Sdn. Bhd. ("Organizer") to promote Installment Payment Plan (IPP) transactions at participating merchant stores.

• Campaign Period: 1 August 2025 to 31 January 2026 (inclusive).
• Participation constitutes unconditional acceptance of these Terms & Conditions.

2. Eligibility

• Open exclusively to Malaysian residents aged 18 years and above holding valid identification (MyKad/MyPR).
• All IPP transactions & eligibility are subject to the specific terms of your card-issuing bank/BNPL provider. IPP availability depends on bank participation.
• Excluded Parties:
  • Employees of Pine Labs, participating issuers, merchants, BNPL partners, agencies, suppliers, and their immediate families.
• Participants must complete at least one (1) eligible IPP transaction using:
  • credit/debit cards from participated issuers, or
  • participated BNPL partner payment methods.

3. How to Participate

• One (1) entry per eligible IPP transaction at point of sale.
• Mandatory Opt-In:
  • At checkout, participants must provide their phone number via the terminal prompt.
  • Declining participation by not providing consent for collection & use of personal data, ("NO" selection) forfeits the entry.
• Entries are non-transferable, non-exchangeable, and tied to the transaction timestamp.
• Entry Validation
  • Participants may verify entries via the official Pine Labs Malaysia landing page or assigned partner pages
  • Duplicate/rejected transactions are ineligible.

4. Prize Structure

• Prizes include weekly prizes, monthly prizes, quarterly prizes and grand prizes.
• Full prize details (items, quantities, values) will be published on:
  • Pine Labs Malaysia’s social media (Facebook/Instagram).
  • Official campaign landing page or assigned partner pages.
• Prizes are subject to availability. Pine Labs (the "Organizer") reserves the right to modify or substitute any prize if the prize is unavailable or does not fit for any reason.

5. Winner Selection & Notification

• Lucky Draw Schedule:
  • Weekly/Monthly on Pine Labs’ social media.
  • Grand Prize Draw: 31 January 2026 at a designated location (shopping mall).
• Winners will be notified via phone/WhatsApp within 2-3 working days of the Lucky Draw.
• Claim Process:
  • Winners must provide original transaction receipt and valid ID for verification.
  • Unclaimed prizes after 14 calendar days will be forfeited.
• Winners list will be published on Pine Labs’ website (https://www.pinelabs.my/) / social media (https://www.facebook.com/PineLabsMalaysia).

6. Data Privacy & Usage

• By participating, you consent to:
  • Collection of phone number and transaction details for Campaign administration (“Data”).
  • Use of Data for Campaign-related communications (e.g., winner notifications, entry updates).
• Data stored per Malaysia’s Personal Data Protection Act (PDPA) 2010.
• Opt-Out: Email support.my@pinelabs.com to withdraw consent for marketing communications.

7. Liability & Disclaimers

• The Organizer is not liable for:
  • Technical failures, network errors, lost entries, or delays in notifications.
  • Taxes, customs duties, or incidental costs related to prizes.
• Prize quality/warranty remains the responsibility of the manufacturer/merchant.
• Prizes are non-negotiable, non-refundable, non-transferable, and cannot be exchanged for cash.
• Force Majeure: Pine Labs may cancel/modify the Campaign due to unforeseen events.

8. Campaign Modifications

• Pine Labs reserves the right to
  • Amend rules, suspend, or terminate the Campaign with prior notice (via website/social media)
  • Disqualify participants engaging in fraud, misuse, or violating these Terms.

9. Promotional Rights

• By participating in this Campaign, Winners have consented to Pine Labs to collect, record, hold, store, use and disclose their personal information for advertising, publicity, marketing, and communications purposes which are necessary or related to the participation in this Campaign.
• Winners grant Pine Labs unconditional permission, free of cost, royalty or any payment, to use their names, images, photos or video clips in relation to their winning entries, for current or future advertising and/or publicity in relation to this Campaign, without any claim for payment nor compensation.
• All Intellectual property including Campaign materials (logos, designs) and remain the sole property of Pine Labs and you shall not use any of the intellectual property if Pine Labs without their specific written consent Pine Labs.
• Winners hereby release and hold harmless Pine Labs from any liability, losses, damages, and any kind of claims and actions in relation to this Campaign.

10. Governing Law & Dispute Resolution

• Governed by Malaysian law.
• All Personal Data relating to the Campaign shall be governed and dealt with in accordance with the Personal Data Protection Act 2010 and all other relevant laws in Malaysia.
• Disputes subject to the exclusive jurisdiction of Malaysian courts in Kuala Lumpur.
• Pine Labs’ decisions regarding winner selection, rule interpretation, and disputes resolution, and all other relating to this Campaign shall be final and binding. All decisions are final.
  Pine Labs reserves the right to withdraw, cancel, suspend, extend, or terminate this Campaign earlier in whole or in part, or to vary, delete, or add any Terms and Conditions at any time at its absolute discretion. For the avoidance of doubt, any such cancellation, termination, or suspension by Pine Labs shall not give the participants any right to claim compensation against Pine Labs for any or all losses or damages suffered or incurred by the Shoppers whether as a direct or indirect result of the act of cancellation, termination, or suspension.
• Pine Labs reserves the right to change, amend, delete, or add to these Terms and Conditions without prior notice at any time.

Contact Information

Pine Labs Malaysia Support
Email: support.my@pinelabs.com
Phone: +6012-506 7883 (operational hours: 9AM–6PM, Mon–Fri)

By participating, you affirm eligibility and acknowledge that you have read and understood and agree to all terms herein. Pine Labs reserves the right to exclude entries violating these Terms.