Meridian Global Advisory Pte Ltd (“MGA”) is the organiser of the Lucky Draw. Lucky Draw qualifying Period from 1 July to 31 December 2026, both dates inclusive. Entries submitted outside this period will be disqualified. In the event of a dispute, the CEO of MGA’s decision is final.

a) In order to be an “Eligible Participant” and enter the Lucky Draw, a participant is required to:

     i. be a Resident of Singapore aged (between twenty-one (21) and sixty-five (65) years old both ages inclusive). “Resident of Singapore” includes Singaporeans, Permanent Residents and foreigners holding Employment Passes (EP) & S Pass Holders.

     ii. be contactable via the email address and Singapore phone number provided to MGA, including by providing a valid Singapore phone number which starts with +65, and a valid email address.

     iii. Meet up with MGA Representative for a face-to-face “Financial Review” using MGA Compass Financial Planning system.

     iv. Staff of MGA and their immediate family members are not eligible to participate in the Promotion.

     v. MGA may from time to time in its absolute discretion decide on the eligibility for participation in the Promotion.

b) MGA reserves the right to disqualify any participant from the Lucky Draw if the participant fails to meet the eligibility criteria set out in Clauses 2.a.i, 2.a.ii and 2.a.iii.

i. “Eligible participant” must attend a financial review session with an assigned MGA Representative on or before 31 December 2026 will receive one (1) chance to the lucky draw. The assigned MGA Representative will use reasonable efforts to contact an Eligible Participant on or before 31 December 2026 to arrange a financial review session.

ii. To be eligible for additional nine (9) lucky draw chances, “Eligible participant” must attend a financial review session with an assigned MGA Representative and upon successful issuance of any life insurance plan on or before 31 December 2026. For the avoidance of doubt, the financial review session must be conducted in person with the assigned MGA Representative using MGA Compass Financial Planning system. Attendance at the financial review session does not guarantee that the Eligible Participant will win any Lucky Draw prize.

iii. Eligible participant who met up with the MGA Representatives for a face-to-face “Financial Review” using MGA Compass Financial Planning system during promotion period will receive 1 chance to the lucky draw as per participant’s NRIC/FIN no.

iv. Eligible participant maximum can only have up to a total 10 chances to the lucky draw as per participant’s NRIC/FIN no.

v. Chance(s) is non-transferable and cannot be combined with chance(s) accumulated by any other Customers.

i. The Lucky Draw will proceed only if there are at least 50 Eligible Participants. If this minimum is not met, MGA may extend the campaign period and postpone the Lucky Draw date.

ii. A total of three (3) Eligible Participants will be selected as lucky draw winners (“Winners”). Winners will be selected at random by means of a computerized or electronic system on 1st March 2027 (“Lucky Draw Date”) via MGA Instagram page.

iii. The winner will be contacted via phone and email for prize collection.

iv. 1st prize will be S$300 vouchers ; 2nd prize will be S$150 vouchers ; 3rd prize will be S$50 vouchers.

v. The submission of a Lucky Draw Form does not automatically entitle an Eligible Participant to receive a Lucky Draw Prize.

vi. Each winner is entitled to win only one (1) Prize during the entire Promotion Period.

vii. The winner(s) may be requested to provide proof of NRIC/FIN participate in the Lucky Draw. MGA reserves the right to forfeit any Prizes for any winners who do not provide the required information upon the request of MGA.

viii. Any Lucky Draw Gift(s) not claimed by 30 April 2027 being two (2month) after the Announcement Date or Lucky Draw Date shall be forfeited without any liability on the part of MGA to the Winner. Any Winner whose Lucky Draw prize has been forfeited pursuant to this Clause shall not be entitled to any payment or compensation in lieu from MGA.

ix. MGA reserves the final right to change the Lucky Draw prize without prior notice and reserves the right to replace any Lucky Draw Prize with alternatives of similar or equivalent value.

x. The Prizes are non-exchangeable, non-transferable and non-redeemable for cash, credit or any other prizes and other items in part or in full. There will be no replacement in the event if winner lost the Prize or if the Prize is stolen in his/her possession.

xi. Any unclaimed Prize(s) within the stipulated collection period shall be forfeited without liability to MGA. MGA reserves the right, at its sole discretion, to deal with any forfeited Prize(s) in such manner as it deems fit.

xii. In the event that the Prize incurs tax liability, such tax is the sole responsibility of the winners.

i. MGA reserves the right to partially or completely cancel, terminate or suspend the Promotion for any reason at any time without prior notice or any liability whatsoever.

ii. MGA’s decision on all matters relating to or in connection with the Promotion is final and binding on all Eligible Customers. No further correspondence regarding the Promotion, these Terms or any decision made by MGA in connection therewith and/or the results will be entertained. MGA reserves its absolute right to determine an outcome and act as it deems fit in any dispute and/or issues relating thereto.

iii. MGA shall not be liable to the Eligible Participants for any loss or damage or expenses arising in connection with the Lucky Draw, including without limitation, any technical hardware or software breakdown or malfunction or defects in any computer/electronic system or equipment, failed, delayed or incorrect transaction, or lost or unavailable network connections, and any notice that is misdirected or lost in post, which may affect any Eligible Participant’s eligibility in the Campaign/Lucky Draw.

iv. MGA reserves the right at any time to amend or delete these Terms and/or any of the instructions or explanations at its sole discretion without prior notice. Any such changes shall be binding and will take effect immediately upon such amendment, change or deletion. Participation in this Lucky Draw shall constitute acceptance of these Terms and any amendment(s) thereof.

v. In the event of any inconsistency between these terms and conditions and any brochures, marketing or promotional materials relating to the Promotion, these terms and conditions shall prevail.

vi. Winners agree and consent to allow their application reference number, names and likenesses in the form of images or photographs to be used for publicity reasons. MGA reserves the rights to publish photograph(s) and/ or statements from the Winners without further compensation except where prohibited by law.

vii. In the event of any disputes, MGA reserves the right to make the final decision in its absolute discretion, which shall be binding on all participants.

i. By participating in this Lucky Draw, Eligible Participants also confirm that they have read, understood and given their consent for MGA and their related corporations, respective representatives, agents, third party service providers, contractors and/or appointed distribution/business partners (collectively referred to as “MGA and its authorised representatives”) to collect, use, disclose and/or process their personal data for the purpose of contacting them about products and services distributed, marketed and/or introduced by MGA and its authorised representatives through marketing activities via all channels including but not limited to SMS, Social Media, In-app Push Notification, Phone Call etc and perusing their contact details which MGA and its authorised representatives has in its records from time to time and in accordance to the MGA Data Privacy Notice, which is available at Privacy Policy – Meridian Global Advisory.

ii. Participants hereby expressly understand and agree that their given consent(s) herein do not supersede or replace any other consents and/or previous consents which they may have previously given to MGA and its authorised representatives in respect of their personal data and is without prejudice to any legal rights available to MGA and its authorised representatives to collect, use or disclose their personal data.

iii. Participants understand that they can refer to MGA’ Data Privacy Notice, which are available at www.mga.sg/pdpa/ for more information.

iv. MGA will not take any responsibility in case of any event that may prevent a participant from participating in the Lucky Draw or any component thereof, as a result of certain technical restrictions or other limitations or force majeure, which include but is not limited to regulatory events, government directive, government intervention, pandemic, movement control order, and act of God, etc.

v. MGA shall not be responsible or liable for any claims of loss or damage including loss of business, revenue or profits, or any indirect or consequential loss whatsoever, arising out of or in connection with participation in the Lucky Draw.

vi. By participating in this Lucky Draw, all participants agree and undertake to indemnify and hold MGA, and their respective employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by the negligence of MGA), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and client or otherwise on a full indemnity basis whether or not incurred in respect of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the Lucky Draw, acceptance or usage of any Lucky Draw prize, and/or any breach or purported breach of these Terms and Conditions and/or any applicable law.

vii. Failure by MGA to exercise any of its right or remedy under these Terms and Conditions does not constitute a waiver of that right or remedy.

viii. These Terms and Conditions shall be governed by and construed in accordance with the laws of Singapore.

ix. A person who is not a party to any agreement governed by these Terms and Conditions shall have no right under the Contracts (Right of Third Parties) Act 2001 (Cap 53B) to enforce any of these Terms and Conditions.