Terms and Conditions –livi PayLater Interest Free Offer with Designated Merchant: Promotion Period 1. The Promotion Period for livi PayLater Interest Free Offer (Offer) varies for different Designated Merchant (Merchant). For details, please check our website (Promotion Period). Who can enjoy the Offer 2. The Offer is exclusive to customers of Livi Bank Limited (livi or we) who have successfully applied livi PayLater facility (together with the livi PayLater Mastercard®),and have successfully completed the transaction below (Specified Transaction) at Merchant during the Promotion Period and who fulfil other conditions set out in these Terms and Conditions (Eligible Customers). 3. Specified Transaction means: a. to spend with the Eligible Customer’s livi PayLater Mastercard; and b. with a livi PayLater facility drawn to finance such spending. 4. Livi PayLater facility is subject to its own condition. For details, please check our App and Website. What is the Offer 5. The Offer is a waiver of the monthly handing fee for up to certain months (Max Interest-Free Period) on the livi PayLater facility drawn to finance the Specified Transaction (Drawn Advance), without affecting any other fees and charges applicable on such Drawn Advance. For this purpose: a. For Drawn Advance with an installment plan which does not exceed the Max InterestFree Period, all monthly handling fee will be waived; and b. For Drawn Advance with an installment plan which exceeds the Max Interest-Free Period, monthly handling fee will be waived from the first monthly statement until the Max Interest-Free Period is reached. 6. Merchant may offer various Max Interest-Free Period and may require minimum transaction amount or impose other terms and conditions. For details, please check our App Website or contact the Merchant directly. Conditions for enjoying the Offer 7. The Eligible Customer's liviSave Account and livi PayLater facility must remain valid and in good standing as decided by livi at the time when the Offer is rewarded to him/her. Otherwise, the Offer will be cancelled or forfeited without prior notice to the Eligible Customer. The Eligible Customer should ensure the personal information registered with livi is valid and up to date. 8. There are limited quotas for the Offer and it is rewarded on a first-come-first-served basis. Our records on the Specified Transactions (including the date of the Specified Transactions and the information and documents submitted to us) and our records on the available Offer quotas are final and conclusive in the absence of obvious error. 9. livi may notify the Merchant when the Eligible Customer enjoys this Offer. The Eligible Customer agrees that livi may communicate and exchange his/her personal data with the Merchant for all purposes relating to the Offer. 10. We disclaim any liability or responsibility in relation to any dispute, agreement, arrangement, complaint, representation, etc. as between the Eligible Customer and the Merchant. 11. For the avoidance of doubt, nothing under these Terms and Conditions or the Offer will deem, imply, render or suggest that the Merchant is acting as an agent or representative of livi or otherwise soliciting business on behalf of livi. 12. We are not a supplier or service provider of the products/services/auxiliary services provided in the Specified Transaction, and shall not be responsible for any matters relating to them. The Merchant is solely responsible for all obligations and liabilities in relation to such products or services. Changing these Terms and Conditions 13. We reserve the right to vary these Terms and Conditions at any time. You may check our App and website for the latest information, availability and terms and conditions of this promotion. Other terms 14. The Offer is not transferable, refundable, replaceable or redeemable for cash, properties or other membership/loyalty points, rewards or privileges. 15. Any fraud or misrepresentation in obtaining the Offer and/or abuse of the Offer will result in its cancellation or forfeiture. We reserve the right to cancel or forfeit the Offer and to recover any costs and loss. 16. We have the right to suspend, terminate, revise or substitute the granting of the Offer at our discretion without prior notice. 17. No person other than the Eligible Customer and us will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any provisions of these Terms and Conditions. 18. In case of any dispute, our decision will be final and conclusive. 19. The availability and enjoyment of the Offer are subject to prevailing regulatory requirements. 20. These Terms and Conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region. Mastercard Cashback Offer Terms and Conditions: https://www.livibank.com/pdf/mastercard-cash-back-tnc-en.pdf