WeLab Bank IRSTIL優惠碼開戶獎賞條款及細則
WeLab Bank IRSTIL優惠碼開戶獎賞條款及細則
[1] WeLab Bank IRSTIL優惠碼開戶獎賞（「本優惠」）的優惠期為2022年1月27日至2022年2月15日（包括首尾兩日）（「優惠期」）。
[2] 優惠只適用於優惠期內以 “IRSTIL” 優惠碼成功於Welab Bank Limited（匯立銀行有限公司，「WeLab Bank」，「本行」或「我們」）開戶的新客戶（「你」或「你的」）。成為WeLab Bank的新客戶代表你在優惠期開始前的十二（12）個月內尚未終止和/或關閉你的WeLab Bank賬戶。
[3] 於WeLab Bank開戶期間，你只能輸入一個優惠碼，並只能獲得該優惠碼對應的開戶獎賞。 此優惠不可與其他推薦計劃一同使用。這代表你若在申請WeLab Bank開戶期間輸入了任何其他優惠碼/推薦碼，你則不能獲得本優惠。
[4] 優惠只適用於在成功開戶日起計，直至下一個曆月的最後一個曆日期間（「交易期」）所進行的所有合資格交易（定義見下文第8至9條）。當你收到由本行電郵通知你開戶已完成，就代表你已經完成開戶程序並成功開戶。
例子：如你於2022年1月28日收到通知電郵，交易期為2022年1月28日至2022年2月28日期間（包括首尾兩日）。
（交易時間根據香港標準時間計算 (HKT)）
[5] 交易期內，你的合資格交易可獲得100%消費回贈。在任何情況下，你可從本優惠獲得的總回贈額上限為HKD 100（「開戶回贈」）。
[6] 本優惠可與「WeLab Bank X KMB e度嘟車資回贈優惠」同時使用。在任何情況下，你於每個曆月透過上述優惠最多可賺取的現金回贈金額為HKD 120，而此回贈額不會與你從本優惠可獲得的回贈額重疊。詳情請參閱相關的條款及細則。
例子：於交易期內的任一曆月，如果你於本優惠中獲得HKD 100現金回贈，你仍可於以上優惠中最多可獲得 HKD 120現金回贈。
[7] 本優惠的名額有限，先到先得。我們就本優惠限額的記錄為最終及具決定性。
[8] 以下的交易會歸類為合資格交易：使用你的WeLab Debit Card（包括(i) 你的虛擬和實體WeLab Debit Card和 (ii) 你已加入於電子錢包的WeLab Debit Card）以任何貨幣進行的交易。如果合資格交易以港元以外的貨幣進行，現金回贈將以相關匯率轉換後的港元為基礎進行計算。
[9] 對於交易是否合資格（視乎情況而定），我們擁有最終決定權。不合資格的交易包括但不限於：(a) 支付銀行費用及收費(如適用，包括但不限於年費、賬戶透支費逾期費用、補發卡費、自動櫃員機現金提款費用)；(b) 準現金交易，包括：(i) 博彩及賭博交易；(ii) 分期付款；(iii) 餘額轉賬；(iv) 在非金融機構進行的現金、代幣、代用劵交付及/或兌換交易（包括購買現金券，購買外幣，匯票和旅行支票）； 及/或(v) 在其他金融機構進行的任何交易（包括從銀行購買商品和服務）；(c) 銀行轉賬（通過「快速支付系統」丶匯款丶電子直接付款授權等）；(d) 繳付賬單（包括但不限於水費丶電費丶保險費丶支付其他銀行和信用卡的款項等）；(e) 繳付給稅務局的稅項；(f) 購買和/或充值儲值卡或電子錢包；和/或 (g) 全部或部分未發布丶取消和/或退款的交易。我們可能會酌情決定不時增加或刪除上述不符合條件的交易清單。
[10] 交易期內，每個曆月相等的現金回贈金額將於下一個曆月第1天計起的10個工作天内存入你的核心賬戶。
[11] 所有全數被取消或撤銷的交易將不被計算為合資格交易。
[12] 如果你已獲取現金回贈，但隨後取消或撤銷該合資格交易（全數或局部），我們有權在不作另行通知的情況下從你的核心賬戶中沒收或扣除 (i) 相關現金回贈和 (ii) 任何現金回贈的差額。
[13] 現金回贈金額將以四捨五入至仙位計算。
[14] 除非我們另有規定，現金回贈金額均不得轉讓丶退還丶交換或轉換為其他形式。
[15] 你同意並知悉在現金回贈於適用月份內轉入你的核心賬戶之前關閉核心賬戶，你將不能獲取現金回贈。
[16] 如果我們認為你違反任何適用法律法規、欺詐、濫用和/或不遵守本優惠條款及細則，我們有權撤銷你參加本優惠的資格及/或暫停或終止你於本行的任何或所有賬戶。在不作另行通知的情況下，我們不會向你支付任何現金回贈及/或我們有權從你的賬戶（包括但不限於你的核心賬戶）扣除我們已經支付的現金回贈。另外，我們保留所有採取任何法律行動的權利追討任何未償還的款項。
[17] 我們保留隨時暫停丶修訂或終止本優惠及以上條款及細則之權利，而毋須另行通知。若有任何爭議，我們保留最終決定權。
[18] 本優惠條款及細則應與我們的賬戶條款（「賬戶條款」）一起閱讀。如果本優惠條款及細則與賬戶條款不一致，則按以下順序進行：
(i) 本優惠條款及細則；及
(ii) 賬戶條款
[19] 除非另有定義，否則在我們的賬戶條款中的定義應與本條款及細則具有相同含義。
[20] 如本條款及細則之英文版本與中文版本如有任何分歧，一概以英文版本為準。
生效日期：2022年1月27日
WeLab Bank IRSTIL Referral Code Account Opening Reward Terms and Conditions
[1] The WeLab Bank IRSTIL Referral Code Account Opening Reward (“Offer”) period shall be from 27 January 2022 to 15 February 2022 (both dates inclusive) (“Offer Period”).
[2] The Offer is only applicable to new customers (“you” or “your”) who have successfully opened a bank account at Welab Bank Limited (“WeLab Bank”, “we”, “us” or “our”) using the referral code “IRSTIL” within the Offer Period. To be a new WeLab Bank customer means you have not terminated and/or closed your WeLab Bank account in the twelve (12) months prior to the commencement of the Offer Period.
[3] You may only use one (1) referral code when opening a WeLab Bank account, and you will only be entitled to the Account Opening Rebate which corresponds with the referral code used. This Offer cannot be used in conjunction with other referral programmes which means if you have input any other referral codes when you apply for your WeLab Bank account, then you are not entitled to the Account Opening Rebate under this Offer.
[4] The offer is only applicable to Eligible Transactions (please refer to clauses 8-9 for the definitions) conducted from the date of successful account opening until the last calendar day of the next calendar month (「Transaction Period「). An account opening is deemed to be successful only upon receiving a confirmation email from WeLab Bank indicating that the account opening request is approved and the account is set up.
For example, if you receive the account opening confirmation email on 28 January 2022, the Transaction Period starts from 28 January 2022 until 28 February 2022 (both dates inclusive). Transaction time will be based on Hong Kong Time (HKT).
[5] During the Transaction Period, your Eligible Transactions will be entitled to 100% spending rebate. In all circumstances, the total amount of cash rebate you can earn from this Offer is capped at HKD 100 (“Account Opening Rebate”).
[6] This Offer can be used in conjunction with the “WeLab Bank X KMB E-Payment Bus Fare Rebate Offer”. In all circumstances, the maximum amount of cash rebate you can earn from above mentioned offer in each calendar month is HKD 120. This HKD 120 cap does not share the same rebate cap with this Offer. Please refer to the relevant terms and conditions for more details.
For example, in any calendar month during the Transaction Period, you can still earn a maximum amount of HKD 120 cash rebate even if you have earned HKD 100 cash rebate in this Offer.
[7] There are limited quotas for this Offer and it is rewarded on a first come first served basis. Our records on the available Offer quotas are final and conclusive.
[8] Eligible Transactions are defined as transactions conducted using your WeLab Debit Card (including (i) your virtual and physical WeLab Debit Card and (ii) your WeLab Debit Card which have been added in your mobile wallet) within the Transaction Period in any currency. If the Eligible Transaction is made in a currency other than Hong Kong Dollars, the cash rebate will be calculated based on Hong Kong Dollars after conversion at the applicable exchange rate.
[9] Our decision as to what constitutes an ineligible or Eligible Transaction (as the case may be) shall be final and conclusive. Ineligible transactions, shall include but are not limited to the below: (a) payment of banking fees and charges (including but not limited to annual fee, overdrawn fee, card replacement fee, ATM cash withdrawal fee, if applicable); (b) quasi-cash transactions including: (i) betting and gambling transactions; (ii) instalment payments; (iii) balance transfers; (iv) cash, token, vouchers payment and/or foreign exchange transactions at non-financial institutions (including cash coupon purchases, purchase of foreign currency, money orders and travelers’ cheques); and/or (v) any transactions at other financial institutions (including purchase of merchandise and services from banks); (c) bank transfers (by way of Faster Payment System, SWIFT, eDDA, etc.); (d) bill payments (including but not limited to water bills, electricity bills, insurance premiums, payments to other banks and credit cards, etc.); (e) tax payments to the Inland Revenue Department; (f) purchase and/or reload of stored value cards or e-wallets; and/or (g) unposted, cancelled and/or refunded transactions, in whole or in part. We may add to, or remove from, the list of ineligible transactions from time to time at our sole discretion.
[10] The equivalent cash rebate amount for each calendar month during the Transaction Period will be credited into your Core Account within 10 working days from the 1st day of the next calendar month.
[11] Transactions which have been cancelled or reversed in full will not be counted as Eligible Transactions.
[12] If you have subsequently cancelled or reversed any transactions (in full or partial amount) in respect of which cash rebate amount has been credited to your Core Account, we reserve the right to debit (i) the respective cash rebate amount and (ii) any cash rebate difference directly from your Core Account without prior notice.
[13] The cash rebate amount will be rounded to the nearest cent.
[14] All cash rebate amount cannot be transferred, returned, exchanged, or converted into other forms, unless otherwise specified by us.
[15] You agree and acknowledge that you are not entitled to receive any cash rebate amount if you close your Core Account at any time before the cash rebate amount is credited to your Core Account in the applicable calendar month.
[16] Any breach of applicable laws or regulations, fraud, abuse and/or non-compliance by you (as determined at our sole discretion) will result in forfeiture of your eligibility to participate in the Offer and/or suspension or termination of all or any of your Account with us. We shall not credit the cash rebate amount or where the cash rebate amount has been credited, we reserve the right to debit the cash rebate amount from your Account (including but not limited to your Core Account) without notice and/or take such necessary legal action to recover any outstanding amounts.
[17] We reserve the right to suspend, modify or terminate this Offer and/or amend these terms and conditions at any time without prior notice. In the event of dispute, our decision shall be final, conclusive and binding.
[18] These Offer terms and conditions shall be read in connection with our Account Terms (the “Account Terms”). In the event of inconsistency between these Offer terms and conditions, the Account Terms, the prevailing order shall be as follows:
(i) these Offer terms and conditions; and
(ii) the Account Terms.
[19] Terms defined in our Account Terms shall have the same meanings when used herein, unless otherwise defined.
[20] In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.
Effective date: 27 January 2022
