The campaign starts on February 1, 2023 until January 31, 2024. First draw will be in August 2023 and second draw will be in February 2024.

TH reserves the right to change the duration and/or the commencement and/or expiration dates of the Campaign Period. 

1. This Campaign is open to all junior TH depositors who are also TaHa club members with active TH accounts.


2. TH depositors are eligible to participate the campaign whenever they:-
   
   
   1. deposited at least RM5,000.00 and maintain a net deposit of RM5,000.00 in TH account; and
   
   
   2. registered for hajj for those who have not registered. 


3. Additional Net Savings means Total of Deposit (total number of deposits made during the Campaign period) after subtracting Total Withdrawal (total withdrawals made during the Campaign period).


4. TH depositors who meet the eligible criteria (“Eligibility Criteria”) will automatically be eligible to participate in the Campaign where the guardian account will participate of behalf of them (“Eligible Participants”):-
   
   
   1. Aged below 18 years during participation; and 
   
   
   2. Existing TH Depositors (having performed Hajj and/or registered for Hajj) who deposited at least RM5,000.00 and maintain a minimum Additional Net Savings of RM5,000.00 in their TH account during the Campaign Period; or
   
   
   3. Existing TH depositors (not yet registered for hajj) who deposited at least RM5,000.00 and maintain a minimum Net Savings Addition of RM5,000.00 in their TH account and registers for hajj during the Campaign Period; or
   
   
   4. New TH Depositors who deposited at least RM5,000.00 and maintain a minimum Net Savings of RM5,000.00 in their TH account and register for hajj during the Campaign Period.


5. For the avoidance of doubt, Eligible Participants are account custodians according to TH records for New TH Depositors and Existing TH Depositors who are members of the Taha Club.

   TABLE A

   Eligibility Criteria for Eligible Participants:-

   NEW TH DEPOSITORS	EXISTING TH DEPOSITORS
   	Have not registered for Hajj	Have performed hajj or registered for hajj
   Aged below 18 years old
   Open a TH account and deposited at least RM5,000.00 and maintain minimum Additional Net Deposit of RM5,000.00 AND Register for Hajj during the Campaign period(February 1 2023 to January 31 2024)	Deposited at least minimum of RM5,000.00 and maintain minimum Additional Net Deposit of RM5,000.00 AND Register for Hajj during the Campaign period(February 1 2023 to January 31 2024)	Deposited at least minimum of RM5,000.00 and maintain minimum Additional Net Deposit of RM5,000.00   during the Campaign period (February 1 2023 to January 31 2024)

   SCHEDULE B
   Illustration of Eligibility Criteria

   
   
   1. New Account Holder

      Transaction from 01/02/2023
      Deposit Deposit Deposit Deposit Withdrawal	RM3,000 RM1,000 RM1,000 RM500 RM0
      Total Deposit  Total Withdrawal	RM5,500 RM0
      Additional Net Savings	RM5,500
      Eligiblity	Yes

   
   
   2. Existing Account Holder (Scenario 1)

      Balance on 31/01/2023	RM1,000
      Transaksi dari 01/02/2023
      Withdrawal Deposit Withdrawal Deposit	RM400 RM3,500 RM600 RM2,500
      Total Deposit Total Withdrawal	RM6,000 RM1,000
      Additional Net Savings	RM5,000
      Eligiblity	Yes

   
   
   3. Existing Account Holder (Scenario 2)

      Balance on 31/01/2023	RM200
      Transaction from 01/02/2023
      Deposit Withdrawal Deposit	RM1,300 RM200 RM4,000
      Total Deposit Total Withdrawal	RM5,300 RM200
      Additional Net Savings	RM5,100
      Eligiblity	Yes

   
   
   4. Existing Account Holder (Scenario 3)

      Balance on 31/01/2023	RM5,000
      Transaction from 01/02/2023
      Deposit Withdrawal Deposit	RM2,000 RM5,000 RM3,000
      Total Deposit Total Withdrawal	RM5,000 RM5,000
      Additional Net Savings	RM0
      Eligiblity	No



6. Children of permanent employees of TH and those who are employed under a contract of service or apprenticeship (including Management Trainees) shall not be eligible to participate in the Campaign.

1. For each of the following Transaction conducted by the Eligible Participant, the Eligible Participant will be awarded with corresponding entries unit (“EU”) which represent the entitlement to participate the Campaign draw as set out as below:  

   No.	Description	Transaction	Eligibility Unit (EU)
   1.	New Account, New Hajj Registration	Deposited at least RM5,000.00 and maintain a minimum of Additional Net Savings of at least RM5,000.00 in the TH account AND register for the current Hajj Campaign Period	1 EU
   2.	Existing TH Depositor who have yet register for hajj	Deposited at least  RM5,000.00 and maintain a minimum of Additional Net Savings of at least RM5,000.00 in the account TH AND register for the current Hajj Campaign Period	1 EU
   3.	Existing TH Depositor who have registered for hajj	Deposited at least  RM5,000.00 and maintain a minimum of Additional Net Savings of at least RM5,000.00 during the Campaign period	1 EU
   4.	Existing TH Depositor who have performed hajj	Deposited at least RM5,000.00 and maintain a minimum of Additional Net Savings of at least RM5,000.00 during the Campaign period	1 EU
   5.	Additional saving	Any additional deposit of at least RM5,000.00 and maintain a minimum of  Additional Net Savings of at least RM5,000.00 during the Campaign Period	1 EU
   6.	Maintain the deposits made during the Campaign Period	An additional one EU is given in the event of NO withdrawal is made during the Campaign Period	1 EU / Month



2. Eligible Participants are entitled to collect as much EU as possible during the Campaign period.

1. Prizes for the Campaign are as follows (“Prizes”):
   
   TABLE A  

   Prizes	Value (RM)	Draws				Total
   		1		2
   		No. of Winners	Total(RM)	No. of Winners	Total(RM)	No. of Winners	Total (RM)
   Cash Prizes	National
   	5,000	1	5,000	1	5,000	2	10,000
   	3,000	3	9,000	3	9,000	6	18,000
   	1,000	5	5,000	4	4,000	9	9,000
   	800	3	2,400	4	3,200	7	5,600
   	500	7	3,500	7	3,500	24	7,000
   	State
   	600	28	16,800	28	16,800	56	33,600
   	300	28	8,400	28	8,400	56	16,800
   	Total	75	50,100	75	49,900	150	100,000

    

2. TH reserves the right to exchange cash prizes for non-cash prizes. Non-cash prizes are non-transferable and cannot be exchanged for cash (for non-cash prizes) or other goods in whole or in part.


3. All Prizes and values stated herein are correct at the time of printing and/or publishing. Prize images shown in any marketing and advertising materials are for illustration purposes only and may vary in certain aspects from the actual Prizes received.


4. Each Eligible Participant is entitled to more than one (1) draw and/or Prize in this Campaign so long that the Eligible Participant falls within the Eligibility Criteria and fulfills the Campaign Mechanics and complies with these Terms and Conditions during the Campaign Period.


5. To the fullest extent permitted by law, TH expressly excludes and disclaims any representations, warranties, or endorsements, express or implied, written or oral, in respect of the Prizes unless the same is due to the gross negligence or willful default of TH.

1. Winners for this campaign will be selected by a computerized draw-system.


2. Winners must have a valid mobile phone number and email address registered with TH for notification and verification. The winner will be contacted by TH via a phone call at the latest contact number recorded in the TH system during office hours and to be followed up by an official letter.


3. TH reserves the right to request relevant documentation or written proof of identification, including information with regards to the age and place of residence of the winners, prior to the collection of their respective prizes.


4. TH may, at its absolute discretion, reserve the right to select other eligible participant(s) to substitute for and/or replace any winner(s) who become ineligible or disqualified for the Campaign and/or Prizes for any reason whatsoever, without providing any reasons therefor throughout the Campaign Period

1. Eligible Participant is advised to read and understand these Terms and Conditions before participating in this Campaign. By participating in this Campaign, the Eligible Participant(s) are deemed to have read, understood and agreed to be bound by these Terms and Conditions.


2. To participate in the Campaign, Eligible Participant must fall within the Eligibility Criteria and fulfill the Campaign Mechanics. Unless stated otherwise by TH, Eligible Participant is not required to sign up or fill up any application form to participate in this Campaign.


3. By participating in the Campaign, Eligible Participant:-
   
   
   1. shall agree and give consent for their personal data being collected, processed and used by TH and its subsidiaries in accordance with TH’s Privacy Notice to the extent necessary for the purpose of this Campaign including for its marketing and promotional activities. In compliance with the Personal Data Protection Act 2010, TH shall protect the personal data of the Eligible Participant(s);
   
   
   2. shall agree for TH to publish or display their names or photos in media, marketing materials or TH’s website for the purpose of this Campaign (where applicable) as it deems fit for publicity purposes; and
   
   
   3. ​​shall agree to TH’s decision on all matters relating to the Campaign, selection of winners and Prizes via the automated draw engine shall be final, conclusive and binding on all Eligible Participant(s). TH shall not be obliged to give any reasons and no further correspondence and/or appeal to dispute TH’s decision shall be entertained.
   
   
   4.  
4. The Eligible Participant’s TH account MUST not be closed, invalid and/or frozen as may be determined by TH or be made subject to any attachment, adverse orders made by the Court or any authorities sanctioned by laws during the Campaign Period and/or before the Prize is given otherwise the Eligible Participant will be disqualified from participating in this Campaign and/or the Prize will be forfeited. Eligible participants who lost the entitlement to the Prizes are not entitled to any payment or compensation.


5. TH reserves the right at its sole discretion to disqualify any Eligible Participant that it determines to be tampering with the entry process or fails to satisfy the requirements and fulfill these Terms and Conditions.


6. TH accepts no responsibility for any tax responsibilities that may arise from the Prizes or the use thereof. Any tax filing obligation or tax payment (if any) due to any tax authority as a result of receipt of the Prizes remains the sole responsibility of the winner. It is the responsibility of the winner to seek independent tax advice on the possible tax responsibilities to their financial institutions


7. TH reserves the rights to amend, cancel, terminate or suspend the Campaign and/or Terms and Conditions from time to time, wholly or in part, at its absolute discretion by providing sufficient notice not less than fourteen (14) days prior to the date of amendment, cancellation, termination or suspension. The mode of notifications could be in writing, via electronic means or display of notices at TH’s branches and website or in other manner as may be determined by TH. For the avoidance of doubt, cancellation, termination, or suspension by TH of the Campaign and/or Terms and Conditions shall not entitle the Eligible Participant(s) in this Campaign to any claim or compensation against TH for any losses or damages whatsoever suffered or incurred as a direct and indirect result of the act of amendment, cancellation, termination or suspension.


8. TH reserves the sole and absolute right to substitute any Prize for any other item(s) of equivalent value or with any other items whichever TH deems appropriate, upon TH issuing at least fourteen (14) days prior notice to all Eligible Participant(s) from the date of each draw is scheduled to be made by TH. The mode of notifications could be in writing, via electronic means or display of notices at TH’s branches and website or in other manner as may be determined by TH.


9. The Campaign Prizes do not include any other incidental expenses e.g transportation whatsoever, unless expressly stated in these terms and conditions (if any).


10. Winners may be invited to attend Prize presentation ceremonies or other public events (if any) at the location to be advised on a later date. Winners are fully responsible for all expenses incurred in attending the said Prize giving ceremony.


11. TH shall not be liable for any misinterpretation on facts and/or inflicted injuries and/or loss of lives and/or valuables resulting from the Prize won through this Campaign and shall not be liable, whether direct or consequential, for any loss and damage or for any personal injury and/or whatsoever suffered or sustained by the Eligible Participant/Prize winner caused directly or indirectly, in whole or in part, in connection with this Campaign or their participation in this Campaign or the receipt or use of any of the Prizes or may be suffered in the course of the Prize giving travel and/or as a result of any act or omission on the part of TH whatsoever, except for any liability which cannot be excluded by law. TH shall not be responsible in any way whatsoever, in respect of any matters beyond TH’s control with regard to this Campaign or anything related thereto.


12. Eligible Participant is advised to access TH’s website from time to time to view the Terms and Conditions and to ensure to be kept up-to-date on any changes or variation to the Terms and Conditions thereof.


13. Eligible Participant(s) shall be responsible to ensure that their telephone numbers and/or email address and/or mailing address provided are current and updated with TH. The notification by TH will be based on each Eligible Participant’s telephone number and mailing address in Malaysia maintained with TH. TH shall not be responsible to the Eligible Participant(s) for any loss (including loss of opportunity and consequential loss flowing therefrom) suffered or for any failure to notify in the event the Eligible Participants’ telephone number and/or mailing address in TH’s record is not current or correct.


14. In the event of any inconsistency between these Terms and Conditions and any advertising, promotional, publicity and other materials relating to or in connection with this Campaign, these Terms and Conditions shall prevail.


15. The Terms and Conditions herein shall be governed by and construed in accordance with the laws of Malaysia and the customers agree to submit to the jurisdiction of the Courts of Malaysia.


16. For any information, enquiries or feedback on this Campaign, TH depositors may speak to Tabung Haji Contact Centre (THCC ) at 03-62071919. Alternatively, depositors may choose to email atth-info@lth.gov.my.

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