Your story, our inspiration.

JOURNEY TO BETTER SG (“Contest”) TERMS AND CONDITIONS (“Contest Terms”)

1. The Contest is organised by Manulife (Singapore) Pte. Ltd. (“Manulife”).

2. The Contest is open to Singapore Citizens and Singapore Permanent Residents who are residing in Singapore only (“Participants”).

3. To be eligible to enter the Contest, a Participant must be a follower of Manulife’s Facebook and Instagram page.

4. The Contest will begin on 17 February 2025, 10:00 hrs and end on 16 March 2025, 23:59 (both dates and time inclusive) (“Contest Period”). Any entry submitted after the Contest Period will not qualify for the Contest.

5. Participants may only submit one (1) entry and will only be eligible to win one (1) Prize (defined below).

6. Participants may enter the Contest by completing all of the following during the Contest Period:

A. Participants are to share a story on their own Facebook or Instagram feed or post a comment on Manulife Singapore’s designated Facebook or Instagram ‘Journey to Better SG’ social contest post, about their experience with a “Serious Illness” (e.g. cancer/stroke) as a survivor, caregiver, or a family/friend of a patient (“Post”).

B. The Post must include the hashtag #JourneyToBetterSG in the Post caption. Participants may, but are not required, to include a photo in their Post.

C. Where a Post is shared on a Participant’s own Facebook or Instagram feed, the Participant’s Facebook or Instagram account needs to be set to ‘Public’ so that the Post can be viewed and shortlisted by Manulife.

7. Participants from Facebook and Instagram who submit the most inspiring stories (“Winners”) will stand a chance to be featured on Manulife Singapore’s social media channels and shall each win shopping vouchers (“Prize”) as set out in Table A below. Participants from Facebook and Instagram shall be judged collectively and each Winner will be decided by Manulife in its sole discretion

8. Manulife reserves the right to replace the Prize at any time, without notice to the Participants, and in such an event, endeavor to replace the Prize with another of equivalent value.

Table A

9. Winners will be contacted by Manulife on their Facebook or Instagram account on which their winning Post was made from, between 15 April 2025 to 14 May 2025.

10. Winners must respond within five (5) working days of being contacted by Manulife on their Facebook or Instagram account. Failure to respond shall result in a forfeiture of their Prize.

11. The Prize is non-transferable, non-refundable and non-extendable and cannot be exchanged for cash, credit or any other goods or services. The redemption and use of any Prize is subject to such other terms and conditions as may be imposed by the vendor of any Prize. Manulife makes no warranty or representation for the quality, merchantability, fitness for any purpose or for the use or consumption thereof, or any other implied terms or conditions with respect to any Prize provided by any vendor. Any dispute about the same must be resolved directly with the vendor of the relevant Prize and Manulife shall have no liability with regards to such dispute.

12. Employees and appointed financial representatives of Manulife, Manulife Advisory Group, Manulife Financial Advisers Pte. Ltd. and/or other financial advisory firms authorised by Manulife to distribute Manulife products, as well as members of their immediate families are not eligible to receive a Prize regardless of their participation in the Contest.

13. Manulife may, in its sole and absolute discretion to exclude any person from participating in the Contest, without providing any reason or prior notice to any person.

14. In the event that Manulife subsequently discovers that a Winner was not eligible to participate in the Contest, Manulife may, at its own discretion, demand the forfeit of the Prize and is otherwise entitled to reclaim the Prize (or the monetary value equivalent thereof) from the Winner.

15. Participants consent under the Personal Data Protection Act 2012 of Singapore to the collection, use, disclosure of their personal data by/to Manulife and such other third party as Manulife may reasonably consider necessary for the purpose of the Contest, and confirm that they agree to be bound by the terms of Manulife privacy policy, a copy of which can be found on Personal data protection

16. By participating in the Contest, Participants are deemed to have provided consent to Manulife for the collection, use and disclosure of their Post and personal data for the purposes of the Contest, including the announcement and publicity of the Winner(s) on Manulife’s website, Manulife’s Facebook and/or Manulife’s Instagram accounts. By participating in this Contest, all Participants agree and shall be deemed to have agreed to participate in any publicity, advertisement or media coverage as requested or required by Manulife, without compensation and in such manner as Manulife deems fit. Manulife reserves the right publish any Participant's images and personal particulars for any purpose whatsoever without having to pay any fee or compensation to the Participant.

17. Manulife’s decision shall be final and binding on all Participants in any matter whatsoever in relation to the Contest and no correspondence shall be entertained on the same.

18. By participating in the Contest, Participants warrant that they own all intellectual property rights in any Post submitted, and the submission of any Post does not infringe upon any legal or equitable right of any third party.

19. Manulife shall be released and discharged by each Participant from any and all liability, claims, demands, causes of action, and/or damages which the Participant may have, whether known or unknown at the present time, of any nature whatsoever, arising out of or relating to: (a) the Contest, (ii) loss suffered by the Winner as a result of the use and/or enjoyment of the Prize, and/or (iii) any tax liabilities in relation to the Contest, Prize and/or use or enjoyment of the same.

20. A Participant shall fully indemnify and hold Manulife harmless from and against any loss, damage, cost, liability or expense (including legal fees) whether direct or indirect, which Manulife incurs in respect of, in connection with and / or arising from the Participant’s participation in this Contests or any breach of these Contest Terms (including but not limited to any third party claim that any Participant’s Post has breached any legal or equitable right of any third party, howsoever arising).

21. 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 Manulife may issue from time to time. Manulife reserves the right to amend the terms and conditions of this Contest and / or the mechanics of this Contest without giving any notice or reason and without any liability to any party.

22. Manulife 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 Manulife.

23. 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.

24. 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.

25. The terms of this Contest will be governed by and construed in accordance with the laws of Singapore. All participants agree to submit to the exclusive jurisdiction of the courts of Singapore.

26. 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.

27. All information is correct as of 17 February 2025.