Contest Terms & Conditions

Terms & Conditions for Manulife Financial Advisers 10th Anniversary Photo Contest

MANULIFE FINANCIAL ADVISERS 10TH ANNIVERSARY INSTAGRAM PHOTO CONTEST (“Contest”) TERMS AND CONDITIONS (“Contest Terms”)

  1. This contest is organised by Manulife Financial Advisers Pte. Ltd. (“Manulife FA”, or the “Organiser”).

    2. CONTEST PERIOD

  2. This Contest is open for submission of entries on Instagram from 0001 hours on 1 February 2025 to 2359 hours on 30 April 2025 (all timings in Singapore time, UTC +08:00) (“Contest Period”). Entries that are submitted outside of the Contest Period will not be accepted.

    3. ELIGIBILITY

  3. For the purposes of this Promotion, a Participant (“Participant”) can be either an existing Manulife Singapore Pte. Ltd. policyholder or an individual who does not own a Manulife Singapore Pte. Ltd. policy.
  4. A valid entry for the Contest must fulfil the following conditions:

    (a) the Participant must be a Singapore Citizen, a Singapore Permanent Resident, or a Singapore Employment Pass Holder and be at least 21 years of age;

    (b) the Participant must follow the official @manulifefa Instagram account;

    (c) the Participant’s Instagram account privacy settings must be set to “public”; and

    (d) the Participant must post a photo on their Instagram account with our Manulife FA 10th anniversary figurine(s) (“Buzzy and/or Munchy”) and tag @manulifefa with the hashtag #ManulifeFA10Contest

  5. Each Participant can only win one (1) Prize regardless of the total number of Entries submitted. Contest entries will be disqualified if profiles are determined to be fake accounts or spambots. Manulife FA reserves the right to amend the Deadline at any time without prior notice. All entries received thereafter will automatically be disqualified.
  6. The entries posted will be judged by a designated panel appointed by Manulife FA based on the following criteria:

    (a) Creativity of the photo taken; and

    (b) Relevance of the photo and caption to the theme “When I am financially free”.

  7. Two (2) Participants’ winning entries will be selected each month during the Contest Period, and the winners will each receive a luxurious 2D1N staycation at the 5-Star The St. Regis Singapore worth S$1,500 (“Prize”).
  8. Entries posted dates and winners announcement dates for this Contest is stated below:
  9. Manulife FA’s decision on all contest matters, including the selection of winners, is final, conclusive, and binding on all participants. No appeals will be entertained.
  10. Manulife FA reserves the right to substitute or modify the judging criteria and/or judging panel at any time for any reason.
  11. Winners will be notified via direct message on Instagram from the official @manulifefa Instagram account. Results will also be publicly announced on Manulife FA’s official social media pages. full name and valid contact details are required to be given via direct message to Manulife FA’s official Instagram account within seven (7) days after notification, otherwise the Prize will be forfeited.

    If any winner cannot be contacted by the Organiser or fails to respond within seven (7) days after notification, that winner is taken to have forfeited and irrevocably given up and waived all rights to claim the prize. Any winner whose prize has been forfeited shall not be entitled to any compensation from the Organiser.

  12. Notwithstanding the foregoing and for the avoidance of doubt, the Organiser has the sole and absolute discretion to determine the eligibility of a person to participate in this Contest. The Organiser may exclude or otherwise disqualify any person from participating in this Contest, without providing any reason and without prior notice, at its sole and absolute discretion. All decisions made by the Organiser shall be final and conclusive.
  13. Participants who are employees of the Organiser, and any Financial Consultant employed by the Organiser, or the employee of any Branch representing Manulife FA will not be eligible to participate in the Contest.
  14. The Prize is non-transferable, non-assignable, non-refundable, non-extendable and non-exchangeable, in part or in whole, for cash, credit, goods, services or any other benefits.
  15. The Organiser reserves the right to replace any Prize with any item(s) of similar or higher value without prior notice to a Participant.
  16. By participating in this Contest, the Participant is deemed to have accepted and agreed to be bound by these Contest Terms and any other instructions, terms and conditions that the Organiser may issue from time to time.
  17. The Organiser is not liable for any direct and indirect losses, claims, demands, expenses and / or liabilities whatsoever in relation to or arising out of or in connection with the Prize or this Contest.
  18. The Participant shall fully indemnify and hold the Organiser harmless from and against any loss, damage, cost, liability or expense (including legal fees), whether direct or indirect, which the Organiser incurs in respect of, in connection with and/or arising from the Participant’s breach of these Contest Terms.
  19. The Participant consents under the Personal Data Protection Act 2012 to the collection, use, retention and disclosure of their personal data by/to the Organiser and such other third party as the Organiser may reasonably consider necessary for the purposes of this Contest and the Organiser’s business activities introduced by the Organiser through marketing activities, including but not limited to Social Media, email(s), etc. The Customer agrees to be bound by the Organiser’s privacy policy, copies of which can be found on https://manulifefa.com.sg/privacy-policy.html.
  20. By participating in this Contest, the Participant agrees and shall be deemed to have agreed to participate in any publicity, advertisement or media coverage as requested or required by the Organiser, without compensation and in such manner as the Organiser deems fit. The Organiser reserves the right to video, photograph and/or record the Contest, and publish the Participant’s images and personal particulars for any purpose whatsoever without having to pay any fee or compensation to the Participant.
  21. By participating in this Contest, each Participant thereby agrees to and grants the Organiser rights and license to use their submitted entries images on Manulife FA’s social media channels at its sole discretion without any fees payable to the Participant.
  22. By participating in this Contest, the Participant is deemed to have accepted and agreed to be bound by these Contest Terms and any other instructions, terms and conditions that the Organiser may issue from time to time.
  23. The Organiser reserves the right to amend, add, supplement cancel, suspend, withdraw, modify or vary any of these Contest Terms and / or any element of this Contest for any reason without prior notice or reason or liability to any party, at its sole discretion.
  24. The decision of the Organiser on all matters relating to or in connection with this Contest is final, and no correspondence will be entertained. In participating in this Contest, the Participant agrees that he/she shall accept and abide by any and all decisions made by the Organiser in connection with or otherwise concerning this Contest. In the event of any inconsistency or discrepancy between these Contest Terms and the contents of any brochure, marketing and/or promotional materials relating to the Contest, these Contest Terms shall prevail.
  25. The Organiser shall be excused from performance under this Contest and shall not be in default in respect of any obligation hereunder to the extent that the failure to perform such obligation is due to a force majeure event, or beyond the control of the Organiser.
  26. The invalidity, unlawfulness or unenforceability of any provision in these Contest Terms in any respect under applicable laws shall not affect the validity, legality or unenforceability of the remaining Contest Terms.
  27. A person who does not participate in this Contest shall have no right under the Contracts (Right of Third Parties) Act 2001 to enforce any of these Contest Terms.
  28. These Contest Terms shall be governed by and construed in accordance with the laws of Singapore and the Participant agrees to submit to the exclusive jurisdiction of the courts of Singapore.
  29. All information is correct as of 10 February 2025.