1.   “Spread the joy this Christmas and New Year with KBZPay Pocket Money” Campaign starts from 21st  December 2024  to 1^st January 2025.

2.  KBZPay Level  1.5 ,Level 2 and  Youth Account Customers will be able to participate and need to collect Snowflakes to get the christmas and new year pocket money before the pocket money opening days.

3.   The purpose of this Campaign is to enable  KBZPay Customers to get Christmas and New Year pocket money. After collecting snowflake in advance, the Customer can get one of three types of pocket money prizes pool such as Snowman, Reindeer and Santa Claus , depending on the number of snowflake that they have collected. Additionally, with the collected snowflake, customers can exchange the coupon and open the mystery box to get the cashback and other special prizes.

4. In order to get the Snowflakes , KBZPay Customer will have to complete the following tasks and collect the snowflakes.

       4.1 Invite KBZPay New Users

 There is no limitation on the number of new users that can be invited. However, during the campaign period, numbers of cashback and Snowflakes will be provided for up to 8 successful invitations. Both the inviter will receive specific cashbacks and Snowflakes, and the invitee will receive specific cashbacks and coupons once the invitee successfully upgrades to KBZPay Level 2. 

     4.2 Mutual Assist between Participants

          To collect snowflakes, participants can assist each other by sending the Link specified by KBZPay and entering the shared Link through social media during the campaign period. Each participant can request assistance or provide assistance up to three times per day. However, they can only assist or be assisted by the same friend once per day.

     4.3 Make payment 30,000 Kyats and above with a QR Code Payment at the Merchant Shops by scanning the Merchant Shops’ QR Codes  

     4.4  Pay 30,000 kyats and above for Any Bill Payment or Quick Pay by KBZPay

      4.5 Top up the Gift Card with 10,000 Kyats or above by KBZPay,

4.6 Cash in 10,000 Kyats and above to KBZPay Wallet

      4.7 Enter the KBZPay Market and check the best deals

     4.8 Reads and likes the articles on the Official Account in the Campaign page

      4.9 Enter and observe the My Medicine

      4.10 Enter and observe the any KBZPay Mini Apps 

5.      The following snowflakes can be collected when the users finished the following tasks:

NO	Category of tasks	Permitted maximum numbers of times per day	Collected Snowflake Per Time	Total snowflakes Per day
1	Invite new user	Unlimited (up to 8 invitations/ 8 times can get maximum rewards)
2	Mutual assist	3	7	21
3	Cash in 10,000ks and above to KBZPay Wallet	3	13	39
4	Pay 30,000 Ks and above at the KBZPay Merchant by scanning the Merchant Shops’ QR Code	3	13	39
5	Pay 30,000 kyats and above for Any Bill Payment or Quick Pay	3	13	39
6	Top up the Gift Card with 10,000 Kyats or above by KBZPay,	3	13	39
7	Enter the KBZPay Market and check the best deals	1	6	6
8	Reads and likes the articles on the Official Account in the Campaign page	1	6	6
9	Enter and observe the My Medicine	1	6	6
10	Enter and observe the KBZPay Mini Apps	1	6	6

6.       KBZPay Customers can exchange the following coupons using  the snowflakes they have collected at the coupon exchange section in KBZPay.Each Customer can claim and redeem a maximum of 5 coupons per day.

No	Type Of Coupons	Amount (Ks)	Conditions of Usage	Required Snowflakes
1	Top-up 200ks Coupons	200	2000 ks and above	5
2	Top-up 500 ks Coupons	500	3000 ks and above	7
3	Top-up 1,500 ks Coupons	1500	10000 ks and above	9
4	billpayment 500 ks Coupons	500	3000 ks and above	7
5	billpayment 1,500 ks Coupons	1500	10000 ks and above	9
6	gift card 400 ks Coupons	400	2500 ks and above	7
7	gift card 2,500 ks Coupons	2500	15000 ks and above	9
8	KBZPay market 4000 ks Coupons	4000	20000 ks and above	9

Customers can check their coupons in the ‘My Coupons’ section under ‘My Profile.’ The validity                     of each coupon is 24 hours, and once the 24hours expire, the coupon will no longer be valid for use.

7.KBZPay Customers can open the mystery box using the snowflakes they have collected and win special rewards, including the Samsung Galaxy A55. Each time KBZPay Customers open the Mystery box every day during the Campaign, 20 snowflakes will be automatically deducted for each time. The rewards are-

1. Cashback 300 Ks
2. Cashback 500 Ks
3. Cashback 1200 Ks
4. Cashback 3000 Ks
5. Cashback 5000 Ks
6. Cashback 10,000 Ks
7. KBZPay Advent Calendar (4 units) with each KBZPay Advent Calendar including a Samsung Galaxy A 55.
8. Thank You.

8.  . The Samsung Galaxy A 55 special prizes will be delivered directly to the winners. However, if delivery to the winner’s location is not feasible, they will need to collect their physical prizes from a KBZPay-designated location. Winners of the special prizes will be notified via SMS by KBZPay. Special Prize winners can claim their prize by sending the email to [email protected] together with the confirmation SMS screenshot, name, NRC, phone number and current address. Once KBZPay checks and confirms that the information is completed, the winner will be shared the address where they can go and claim the prize.

9. Winner is required to redeem his/her prize at KBZ”s designated place within the specified days after receiving the confirmation SMS. Winners will not be available to claim these prizes after the deadline. KBZPay will withdraw the prize if the prize is not collected within the specified date. The winner must accept the prize only after it has been checked the prize at the time of collection. KBZ will not be liable for any errors or damages in the prize received by the winner.

10.     KBZPay Christmas and New Year Pocket Money

        KBZPay Users can get the christmas and new years pocket money by clicking “Open Button” in the campaign page.In order to get pocket money, the system will automatically match the prizes pool such as the Snowman, Reindeer and  Santa Claus base on the snowflake they have collected on 24th,25th,31st December 2024 and 1st January 2025 at 8:00pm.As KBZPay Users, they can only unlock any one of   the Snowman, Reindeer and  Santa Claus per day and get pocket money. There shall not be the same specific number of snowflakes to unlock the Snowman, Reindeer and  Santa Claus each day. 

11. As it is first come first serve basis, Customers are encouraged to log in to their KBZPay account prior to the start of the Campaign to get the chance to open the KBZPay Pocket Money. 

12. KBZPay Customers need the snowflakes that have been collected by performing the tasks specified by KBZPay to unclock the Pocket Money Prizes pool, and after one time use,the snowflakes need to be collected for another time use.

13.     Cashbacks will be delivered directly to Customers’ wallets and Coupons will be found in “My Coupons” under “My profile”. Customers can enjoy the Coupons within (24) hours. The Coupons and Cashbacks credited timeline may be varied in the event outside the control of KBZ Bank. 14 Special prize winners and coupon winners are not allowed to exchange, transfer or exchange their prize/coupon as cash.

15. Customers are advised to upgrade their KBZPay application to the latest version to participate in this Campaign. 

16.        Customers can participate in this Campaign via KBZPay app banners, notifications, KBZPay Official Account articles and invitation links from social media.

17. During this Campaign period, KBZPay  Customers will be entitled to enjoy the benefits stated in these terms and conditions, which will expire at the end of this Campaign period. Notwithstanding the Clauses herein, Customers can enjoy the Coupons as stated in Clause 12, if the Customer received the Coupons on the last day of the Campaign.

18.       KBZ employees will not contact participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.

19. Customers are strictly forbidden to cheat in any other form or manner during this Campaign. KBZPay has the right to cancel and/or ban any Customer who is suspected to be cheating in any form and/or manner.

20.       In the event of any dispute arising between KBZPay Customers and KBZPay regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZPay without any prejudice to the statutory rights of the Customer.

21.        Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these terms and conditions without giving any notice.

22.       KBZPay, at any time, shall have the right to amend or cancel or terminate the terms and conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.

23.       All normal KBZPay terms and conditions apply.

24.     These terms and conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.

25. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves.KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.26. These terms and conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. “KBZPay QR Week” Campaign takes place from December 15th, 2024 to January 11th, 2025 as QR Days. During this Campaign period, December 21st, 28th 2024 and January 4th, 11th 2025 (Four Saturdays) are specified as QR Week.
2. In order to participate in this Campaign, KBZPay Customers need to be KBZPay Level 1.5 or KBZPay Level 2 and Youth Account Customers.  If KBZPay Level 1 Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to  KBZPay Level 1.5 or KBZPay Level  2 successfully.
3. The purpose of this Campaign is for KBZPay Level 1.5, Level 2 and Youth Account Customers to get Cashbacks by making purchases 30,000 Kyats and above successfully at Merchants’ shops during the Campaign period and Pay with KBZPay by scanning Merchant’s KBZPay QR (or) with Customer Present KBZPay QR (or) manually adding shortcode of merchant’s shop (or) Own Scan (Micro Pay).
4. It will be eligible for the payments of 30,000 Kyats or more, and also payments by scanning the KBZPay QR Code of the Merchant (or) with Customer Present QR (or) pay to merchant with shortcode (or) Own Scan (Micro Pay) and will randomly get a chance to win the cashback per KBZPay account in a week for (14) times . KBZPay users who make purchases after exceeding the limit will not be eligible for cashback as there are limits about the number of the times for cashbacks will be given.
5. One KBZPay Account can be able to receive (14) chances per week for Cashback.      Cashback rewards are
   • 500Ks Cashback
   • 800Ks Cashback
   • 1,000Ks Cashback
   • 3,000Ks Cashback
   • Thank You.

Additionally,if the Customer who made the payments by KBZPay reaches 7 times transactions of 30,000 Kyats or more within a week, the Customer will receive one chance to open the gift box for 400 Ks (or) 400,000 Ks Cashback on December 21st, 28th 2024 and January 4th, 11th 2025 (every Saturdays) as QR Week during Campaign period. The chance to win the Cashbacks 400 Ks(or) 400,000 Ks will be entitled once a week according to the Terms and Conditions. Customers will be able to receive their Cashback instantly and directly to KBZPay wallets of eligible Customers in this Campaign and it can be checked under “History”. There are limited Cashback amount. If the limited Cashback amount has reached, the Customer will not be entitled to receive a Cashback.

6. Cashback will be credited directly to KBZPay wallets of eligible Customers in this Campaign. The Cashbacks credited timeline may be varied in the event outside the control of KBZ.
7. During this Campaign period, KBZPay Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. 
8. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account articles.
9. KBZ employees will never ask the participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.
10. Customers are strictly forbidden to involve      in any other form or manner of fraudulent activity during this Campaign. KBZPay has the right to cancel and/or ban any Customer who is suspected to be involved      in any form and/or manner of fraudulent activity.
11. In the event of any dispute arising between KBZPay Customers and KBZPay regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZPay without any prejudice to the statutory rights of the Customer.
12. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
13. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
14. All normal KBZPay Terms and Conditions and the Terms and Conditions of the Merchants’ shops apply.
15. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
16. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
17. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. ” Shop and pay with KBZPay at Shwe Ohh and save 3,000 Ks ” Campaign takes place      on 12nd December 2024 (only one day).
2. KBZPay Level 1.5, Level  2 and Youth Account Customers can participate in this campaign. If Level 1 Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to  KBZPay Level 2 successfully. 
3. The purpose of this Campaign is for KBZPay Level 1.5 and Level 2 Customers and Youth Account Customers to get instant cash deduction by making purchases 50,000 Kyats and above successfully at Shwe Ohh shops and Pay with KBZPay by scanning Shwe Ohh shop’s KBZPay QR during this Campaign period.
4. It will be eligible for the payment of 50,000 Kyats and above for making  payments by scanning the KBZPay QR Code of the Shwe Ohh shops     and the customer will receive a 3,000 Kyats discount instantly. And then such a 3,000 Kyats discount is deducted from the amount to be paid and the remaining balance shall be paid.
5. During the Campaign period, one KBZPay Account can be entitled to receive one chance.There are limited 1666 cash deduction quotas.KBZPay users who make purchases after exceeding the limit will not be eligible for cash deduction as there are limits about the number of the times for cash deduction will be given per day.
6. During this Campaign period, KBZPay Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. 
7. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account       .
8. KBZ employees will never ask the participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.
9. Customers are strictly forbidden to involve in any other form or manner of fraudulent activities during this Campaign. KBZPay has the right to cancel and/or ban any Customer who is suspected to be involved in any form and/or manner  of fraudulent activities.
10. In the event of any dispute arising between KBZPay Customers and KBZPay regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZPay without any prejudice to the statutory rights of the Customer.
11. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
12. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
13. All normal KBZPay Terms and Conditions and the Terms and Conditions of the Shwe Oh           shops apply.These 
14. Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
15. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
16. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. “12.12 Grand Sale” Campaign will be started from 12th December 2024 till 21st December 2024. The delivery coverages that are eligible for this Campaign are the whole country of Myanmar.
2. In order to participate in this Campaign, KBZPay Customers need to be Level 2 and if Level 1 or Level 1.5 Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to KBZPay Level 2 successfully.
3. The purpose of this Campaign is to provide special discounts and enjoy free shipping for KBZPay Level 2 Customers using KBZPay Application version 5.1 and above who purchasing from Merchants and making payment with KBZPay.The Customers need to upgrade their KBZPay Application to the 5.1 version and above.
4. “12.12 Grand Sale” Campaign offers special programs such as a delivery charges discount with first 150 orders of 30,000 Ks minimum purchase value on 16th December & 21st December and on 18th December they have a free delivery offer for the first 150 orders. The maximum delivery fee for free delivery is 2,000 Kyat. If the delivery fee exceeds 2,000 Kyats, the Customer has to pay the remaining excess delivery fee.
5. In the KBZPay Market’s 12.12 Grand Sale, “Hottest Deals in Town” activity will be held two (2) times during this Campaign period. The first time “Hottest Deals in Town” activity will be held on 12th December 2024 8:30 PM and the second time will be held on 17th December 2024 8:30 PM. The promotion validity date and duration of the “Hottest Deals in Town” that starts on 12th December 2024 is from 12th December 2024 8:30 PM till 13th December 2024 8:30 PM. The Promotion validity date and duration of the “Hottest Deals in Town” that starts on 17th December 2024 is from 17th December 2024 8:30 PM till 18th December 2024 8:30 PM.
6. The Coupon received by the Customer can be used in purchasing from Merchants on the KBZPay Market and the Customer’s purchase amount must be more than the Coupon amount.
7. “Flash Sale” activity will be held three (3) times during this Campaign period on 13th , 14th & 15th December 2024.In the Special Flash Sale program, selected items can be purchased with a special discount.
8. Customers can purchase the products from the selected Merchants via KBZPay Market from KBZPay App mini icon, KBZPay Home page banner, KBZPay Market Facebook, Viber, and KBZPay Market Official Account (5.1 version and above) for the “12.12 Grand Sale”.
9. The products included in the Campaign may be limited in quantity and Customers need to purchase immediately. KBZPay will not be considered as successfully purchasing a Customer’s order without sending an order confirmation from KBZPay to the Customer and these orders can be canceled by the Merchant at any time. KBZPay will not be responsible for the delivery of these orders to the Customer.
10. KBZPay Market is the marketplace where Merchants can manage their own stores. The cancellation that happens from the Merchants’ side will not take any responsibility from KBZ. However, KBZPay Market will take action against the Merchant who cancels without reasonable or credible reason and other bad behavior based on the rules and regulations set by the KBZPay Market.
11. The Customer acknowledges and agrees that KBZ shall not be liable to the Customer or any third party for any discontinuation, technical errors, or inability to access the Services provided to the Customers under this Campaign.
12. KBZPay and Merchants will endeavor to deliver the products within the specified delivery timeline for the purchased products of Customers who purchased from the specified townships, however, KBZPay and Merchants will not be liable if Merchants cannot deliver the products to the Customers due to force majeure events beyond the control of the KBZ and Merchants.
13. KBZ and Merchants shall have the right to return the products that cannot be delivered on time to the Customer due to force majeure events beyond the control of KBZPay and Merchants at any reasonable time or to refund the Customers for such products, at the discretion of KBZ and Merchants.
14. If there is a problem related to cancellation, return, fraud case, and unqualified products, the Customer must submit to the Merchant through KBZPay Market within 48 hours after receiving the products. The Merchant shall be responsible for the exchange or refund of the products which need to be exchanged. If there is a dispute about the products between the Merchants and Customers, KBZ decision will be final.
15. During this Campaign period, KBZPay Application 5.1 and above version Customers will be entitled to enjoy benefits stated in these Terms and Conditions until the termination or at the end of this Campaign, and all benefits stated in these Terms and Conditions will be expired at the termination or the end of this Campaign.
16. KBZ employees will not contact participants in the Campaign to ask for OTP, PIN, or Account information of Customers participating in this Campaign.
17. KBZPay Customers are strictly forbidden to cheat in any other form or manner during this Campaign. KBZ has the right to cancel and/or ban any Customer who is suspected to be cheating in any form and/or manner.
18. In the event of any dispute arising between KBZPay Customers and KBZ regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZ without any prejudice to the statutory rights of the Customer.
19. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and/or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
20. The Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
21. All normal KBZPay Terms and Conditions and Terms and Conditions of the Merchants apply.
22. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
23. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances.
24. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. KBZPay Market Year End Mega Giveaway will be held for customers of KBZPay Market from 11st November 2024 to 31st December 2024..
2. In order to participate in this Campaign, KBZPay Customers need to be Level 2 and if Level 1 or Level 1.5 Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to KBZPay Level 2 successfully.
3. The purpose of this Campaign is to provide special discounts and get a chance to win  lucky draws for KBZPay Customers using KBZPay Application version 5.1 and above who purchasing from Merchants and making payment with KBZPay.The Customers need to upgrade their KBZPay Application to the 5.1 version and above.
4. In this program, between 2024 November 11th and 2024 December 31st, anyone who purchases 50,000 Kyats or more at KBZPay Market will be able to participate in the lucky draw. Items to be won are iPhone 16 Pro, Samsung Crystal UHD TV 55 in, Alpha Rechargeable Air Cooler. After making a purchase of  50,000 Kyats or more, the Customer will have a chance to spin the wheel once.
5. The winner have to pick-up the lucky draw item within one week.The winner shall contact to KBZPay Market  Hotline Phone No. 3211 ext:6 (or) Official KBZPay Market Facebook Page with Blue Mark Messenger or by sending the email to [email protected] for claiming their rewards.
6. The lucky draw items are not allowed to exchange,transfer, or exchange as cash.
7. KBZPay Market is the marketplace where Merchants can manage their own stores. The cancellation that happens from the Merchants’ side will not take any responsibility from KBZ. However, KBZPay Market will take action against the Merchant who cancels without reasonable or credible reason and other bad behavior based on the rules and regulations set by the KBZPay Market.
8. The Customer acknowledges and agrees that KBZ shall not be liable to the Customer or any third party for any discontinuation, technical errors, or inability to access the Services provided to the Customers under this Campaign.
9. KBZPay and Merchants will endeavor to deliver the products within the specified delivery timeline for the purchased products of Customers who purchased from the specified townships, however, KBZPay and Merchants will not be liable if Merchants cannot deliver the products to the Customers due to force majeure events beyond the control of the KBZPay and Merchants.
10. KBZPay and Merchants shall have the right to return the products that cannot be delivered on time to the Customer due to force majeure events beyond the control of KBZPay and Merchants at any reasonable time or to refund the Customers for such products, at the discretion of KBZPay and Merchants.
11. If there is a problem related to cancellation, return, fraud case, and unqualified products, the Customer must submit to the Merchant through KBZPay Market within 48 hours after receiving the products. The Merchant shall be responsible for the exchange or refund of the products which need to be exchanged. If there is a dispute about the products between the Merchants and Customers, the KBZPay Marke decision will be final.
12. During this Campaign period, KBZPay Application 5.1 and above version Customers will be entitled to enjoy benefits stated in these Terms and Conditions until the termination or at the end of this Campaign, and all benefits stated in these Terms and Conditions will be expired at the termination or the end of this Campaign.
13. KBZ employees will not contact participants in the Campaign to ask for OTP, PIN, or Account information of Customers participating in this Campaign.
14. KBZPay Customers are strictly forbidden to cheat in any other form or manner during this Campaign. KBZPay has the right to cancel and/or ban any Customer who is suspected to be cheating in any form and/or manner.
15. In the event of any dispute arising between KBZPay Customers and KBZPay regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZPay without any prejudice to the statutory rights of the Customer.
16. KBZPay, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and/or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
17. The Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
18. All normal KBZPay Terms and Conditions and Terms and Conditions of the Merchants apply.
19. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
20. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances.
21. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. “Pay Your School Fees with QuickPay and Celebrate Auston’s 6th Year! ” Campaign takes place from 19^th November 2024 to 30^th  November 2024.
2. KBZPay Level 1.5 and Level 2 Customers can participate in this Campaign.  If KBZPay Level 1 Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to  KBZPay Level  2 successfully.
3. The purpose of this Campaign is for KBZPay Level 1.5 and Level 2 Customers to get Cashbacks when they make the school fees through QuickPay and select Auston School of Engineering and Technology, and complete the school fee payment to enjoy the special reward up to 600,000 Ks. During the Campaign period, the Cashbacks are as follows.

• 600,000 Ks Cashback
• 400,000 Ks Cashback
• 300,000 Ks Cashback
• 200,000 Ks Cashback
• 100,000 Ks Cashback
• 50,000 Ks Cashback
• 20,000 Ks Cashback
• 10,000 Ks Cashback
• Thank You

4. It will be eligible only for the Customers who make the payment of at least 3,000,000 Kyats and above for the payment amount via QuickPay during this Campaign period.     
5. During the Campaign period, one KBZPay Account can be entitled to receive one chance only. KBZPay Customers will be able to get their Cashback directly to their KBZPay wallets of eligible Customers in this Campaign and it can be checked under their KBZPay’s “History”.  KBZPay users who make purchases after exceeding the random limit will not be eligible for C     ashback as there are limits for cashbacks that will be given every day.
6. Cashback will be received directly into the KBZPay wallet. However, the cashback  credited timeline may be varied in the event outside the control of KBZ
7. During this Campaign period, KBZPay Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. 
8. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account.
9. KBZ employees will never ask the participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.
10. Customers are strictly forbidden to involve in any other form or manner of fraudulent activities during this Campaign. KBZ      has the right to cancel and/or ban any Customer who is suspected to be involved in any form and/or manner of fraudulent activities.
11. In the event of any dispute arising between KBZPay Customers and KBZ      regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZ      without any prejudice to the statutory rights of the Customer.
12. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
13. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
14. All normal KBZPay Terms and Conditions apply.
15. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
16. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
17. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. “Top up your phone with KBZPay” Campaign takes place from 11^th November 2024 to 21^st November 2024.
2. KBZPay Level 1.5, Level 2 and Youth Account Customers can participate in this campaign. If Level 1 Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to  KBZPay Level 2 successfully. 
3. The purpose of this Campaign is for KBZPay Level 1.5 and Level 2 Customers and Youth Account Customers to get Cashbacks when they buy airtime,the cashback will be given based on the payment amount. The user can get 1%/11%/110% cashback based on the payment amount randomly on first and second order per day.
4. It will be eligible only for the Customers who make the payment of at least 2,000 Kyats and above for the airtime amount via KBZPay during this Campaign period     
5. During the Campaign period, one KBZPay Account can be entitled to receive two chances per day. Each user can get up to 2 cashbacks per day. There are limited cashbacks quotas every day. KBZPay Customers will be able to get their Cashback directly to their KBZPay wallets of eligible Customers in this Campaign and it can be checked under their KBZPay’s “History”.  KBZPay users who make purchases after exceeding the limit will not be eligible for cashback as there are limits about the number of the times for cashbacks will be given every day.
6. Cashback will be received directly into the KBZPay wallet. However, the cashback  credited timeline may be varied in the event outside the control of KBZ
7. During this Campaign period, KBZPay Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. 
8. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account.
9. KBZ employees will never ask the participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.
10. Customers are strictly forbidden to involve in any other form or manner of fraudulent activities during this Campaign. KBZPay has the right to cancel and/or ban any Customer who is suspected to be involved in any form and/or manner of fraudulent activities.
11. In the event of any dispute arising between KBZPay Customers and KBZPay regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZPay without any prejudice to the statutory rights of the Customer.
12. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
13. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
14. All normal KBZPay Terms and Conditions apply.
15. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
16. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
17. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. “11.11 Mega Sale” Campaign will be started from 11th November 2024 till 20th November 2024. The delivery coverages that are eligible for this Campaign are the whole country of Myanmar.
2. In order to participate in this Campaign, KBZPay Customers need to be Level 2 and if Level 1 or Level 1.5 Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to KBZPay Level 2 successfully.
3. The purpose of this Campaign is to provide special discounts and enjoy free shipping for KBZPay Customers using KBZPay Application version 5.1 and above who purchasing from Merchants and making payment with KBZPay.The Customers need to upgrade their KBZPay Application to the 5.1 version and above.
4. “11.11 Mega Sale” Campaign offers special programs such as free delivery with first 150 orders of 30,000 Ks minimum purchase value on 13th November, 17th November and 20th November There will be a “Hottest Deals in Town” and “Special 11 Flash Sale” program during the Campaign period. The maximum delivery fee for free delivery is 2,000 Kyat. If the delivery fee exceeds 2,000 Kyats, the Customer has to pay the remaining excess delivery fee.
5. In the KBZPay Market’s 11.11 Mega Sale, “Hottest Deals in Town” activity will be held two (2) times during this Campaign period. The first time “Hottest Deals in Town” activity will be held on 11th November 2024 9:00 PM and the second time will be held on 19th November 2024 9:00 PM. The Coupons code validity date and duration of the “Hottest Deals in Town” that starts on 11th November 2024 is from 11th November 2024 9:00 PM till 12th November 9:00 PM. The Coupons code validity date and duration of the “Hottest Deals in Town” that starts on 19th November 2024 is from 19th November 2024 9:00 PM till 20th November 2024 9:00 PM. The Coupon code of the products can be used only once per Customer with limited numbers of Coupon codes. Customers are not eligible to use the Coupon codes more than one time.
6. The Coupon received by the Customer can be used in purchasing from Merchants on the KBZPay Market and the Customer’s purchase amount must be more than the Coupon amount.
7. In the Special 11 Flash Sale program, 11 types of items can be purchased with a special discount, and the limited time to purchase is 2 hours. During the limited 2 hours, the limited numbers of items can be purchased. Special 11 Flash Sale plan will be held on November 12, 13, 14  (3) days and will be available for purchase only between 11 AM and 1 PM in the afternoon.
8. Customers can purchase the products from the selected Merchants via KBZPay Market from KBZPay App mini icon, KBZPay Home page banner, KBZPay Market Facebook, Viber, and KBZPay Market Official Account (5.1 version and above) for the “11.11 Mega Sale”.
9. The products included in the Campaign may be limited in quantity and Customers need to purchase immediately. KBZPay will not be considered as successfully purchasing a Customer’s order without sending an order confirmation from KBZPay to the Customer and these orders can be canceled by the Merchant at any time. KBZPay will not be responsible for the delivery of these orders to the Customer.
10. KBZPay Market is the marketplace where Merchants can manage their own stores. The cancellation that happens from the Merchants’ side will not take any responsibility from KBZ. However, KBZPay Market will take action against the Merchant who cancels without reasonable or credible reason and other bad behavior based on the rules and regulations set by the KBZPay Market.
11. The Customer acknowledges and agrees that KBZ shall not be liable to the Customer or any third party for any discontinuation, technical errors, or inability to access the Services provided to the Customers under this Campaign.
12. KBZPay and Merchants will endeavor to deliver the products within the specified delivery timeline for the purchased products of Customers who purchased from the specified townships, however, KBZPay and Merchants will not be liable if Merchants cannot deliver the products to the Customers due to force majeure events beyond the control of the KBZPay and Merchants.
13. KBZPay and Merchants shall have the right to return the products that cannot be delivered on time to the Customer due to force majeure events beyond the control of KBZPay and Merchants at any reasonable time or to refund the Customers for such products, at the discretion of KBZPay and Merchants.
14. If there is a problem related to cancellation, return, fraud case, and unqualified products, the Customer must submit to the Merchant through KBZPay Market within 48 hours after receiving the products. The Merchant shall be responsible for the exchange or refund of the products which need to be exchanged. If there is a dispute about the products between the Merchants and Customers, the KBZPay Marke decision will be final.
15. During this Campaign period, KBZPay Application 5.1 and above version Customers will be entitled to enjoy benefits stated in these Terms and Conditions until the termination or at the end of this Campaign, and all benefits stated in these Terms and Conditions will be expired at the termination or the end of this Campaign.
16. KBZ employees will not contact participants in the Campaign to ask for OTP, PIN, or Account information of Customers participating in this Campaign.
17. KBZPay Customers are strictly forbidden to cheat in any other form or manner during this Campaign. KBZPay has the right to cancel and/or ban any Customer who is suspected to be cheating in any form and/or manner.
18. In the event of any dispute arising between KBZPay Customers and KBZPay regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZPay without any prejudice to the statutory rights of the Customer.
19. KBZPay, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and/or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
20. The Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
21. All normal KBZPay Terms and Conditions and Terms and Conditions of the Merchants apply.
22. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
23. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances.
24. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. “Shop at KBZPay Mini Apps and Win Special Rewards” Campaign  takes place from 1st November 2024 to 30th November 2024.
2. In order to participate in this Campaign, KBZPay Customers need to be KBZPay Level 1.5 and KBZPay Level 2 and if KBZPay Level 1  Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to KBZPay Level 2 successfully. Moreover, KBZPay application version has to be 5.5.0 and above. 
3. The purpose of this Campaign is for KBZPay Level 1.5 and KBZPay Level 2 Customers to purchase at one of  KBZPay Mini Apps under Mini Apps of KBZPay can get a chance to spin the wheel and win the Cashback: 1,000,000 kyats, 100,000kyats,1,500kyats, 500 kyats coupon and Thank You.
4. During the Campaign period, there are two different Mini Apps Categories:those offering discount Mini Apps and those selling regular prices .The Customer who purchased at discount Mini Apps can get 2 two chances to spin the wheel ,while Customers purchasing at regular-priced Mini Apps can get 1 chance to spin the wheel.
5. There is no minimum purchase amount limitation to get a chance to spin the wheel.But Customers can get up to 10 chances (up to 8 chances for buying at Mini Apps Merchants with discount and up to 2 chances for buying at Regular-priced Mini Apps) to spin the wheel in the whole Campaign period.
6. Customers can enjoy additional special discounts when they make purchases from the Mini Apps listed in the attached table.

7. Cashback will be credited directly to KBZPay wallets of eligible Customers in this Campaign. The Cashbacks credited timeline may be varied in the event outside the control of KBZ.
8. The Coupon received from this Campaign can be redeemed for the payment exceeding 1 kyats. The Customers can access the coupon by navigating to “Coupons” in KBZPay. Each coupon is valid for 3 days starting from the date of receipt. According to the terms and conditions, the Customers  can  still redeem the coupon within the remaining  validity periods  even after the Campaign ends.
9. During this Campaign period, KBZPay Customers who use KBZPay Application 5.5.0 and above version will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. Notwithstanding the Clauses herein, Customers can enjoy the Coupons as stated in Clause (8) if the Customers received the Coupons on the last day of the Campaign.
10. Campaign is not available for the other payments aside from payment at Mini Apps of KBZPay. The Customers cannot enjoy the chance to win Cashback in these Terms and Conditions beyond the Campaign period.
11. If there arise any issues between the Customer and Mini Apps Merchants  such as date change and cancellation and/or refunds, such issues will be dealt with and contacted to the Mini Apps Merchants by the Customer . Customers must adhere to the decisions based on the terms and conditions of Mini Apps Merchant..
12. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account articles.
13. KBZ employees will never ask the participants in the Campaign for OTP, PIN, or KBZPay Account information.
14. Customers are strictly forbidden to involve in any fraudulent activity in any other form or manner during this Campaign. KBZ has the right to cancel and/or ban any Customer who is suspected to be involved in any fraudulent activity in any form and/or manner.
15. In the event of any dispute arising between KBZPay Customers and KBZ regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZ without any prejudice to the statutory rights of the Customer.
16. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
17. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice. 
18. All normal KBZPay Terms and Conditions and relevant Mini App Merchants  terms and conditions  shall  apply.
19. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
20. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
21. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1.   “A Collection of Thadingyut Lights Earn and Share, KBZPay’s Pocket Money at night” Campaign starts from 15th October 2024  to 21^st October 2024.

2.  KBZPay Level  2 and  Youth Account Customers will be able to participate and need to collect candles before the pocket money opening days from 18^th October to 21^st October 2024.

3.   During the Campaign period, Customers will have to collect the candles to get pocket money. After collecting candles in advance, the Customer can get one of three types of lanterns once a day, depending on the number of candles that they have collected.There are three types of lanterns which are star lantern, paper lantern and sky lantern.

4.  As KBZPay Customer, they can only open a lantern once a day and get pocket money. In order to get pocket money, the system will automatically match starting from the biggest lantern every day.If the user click open button, they will get a chance to collect and open collect pocket money. 

5. In order to get the lantern, KBZPay Customer will have to complete the following tasks in order to receive Candles and sets of Candles per day. To collect the Candles,there are altogether eight tasks. 

      5.1 To invite new KBZPay Customers, and a total of (8) Customers can be invited. For such invitation, the inviter will be able to earn a specified number of cashback and the invitee will be eligible for a specified number of cashback and coupons.

     5.2 Candles can be collected through completing the tasks through social media sharing and receiving between friends. A participant can share three times in a day and each time they can get 5 candles.

     5.3 If customer pay 10,000 Kyats or more with a QR Code Payment at the Merchant Shops   

      5.4 if  customer top up MPT Number with 5000 Kyats,      

      5.5 If customer top up the Gift Card with 10,000 Kyats or more,

      5.6 If customer enter any Mini App,they will be able to get the specified candles,

      5.7 If customer enter the KBZPay Market,they will be able to get the specified candles,

      5.8 If a customer reads and likes the articles on the Official Account in the Campaign page. , they will get the specified candles.                                                                                   

6      The actual number of candles that the customer has earned in this campaign through completed tasks allows them to receive a random reward. Customer can get the reward by completing any of the tasks, but they must flip the Candle Card and click on the random ‘Collect rewards’ button to claim it. They will have a chance to win  Coupons. Coupons are

• 200 Ks Top UP Coupon
• 500 Ks Top Up Coupon
• 200 Ks Bill Payment Coupon
• 500 Ks Bill Payment Coupon
• 200 Ks Gift Card Coupon
• 400 Ks Gift Card Coupon
• 4000 Ks KBZPay Market Coupon
• 30 Ks Cashback
• 50 Ks Cashback
• Thank You                 

7.       Customers can check their coupons in the ‘My Coupons’ section under ‘My Profile.’ The validity of each coupon is 7 days, and once the 7 days expire, the coupon will no longer be valid for use.

8.      Customers who have collected the candles on 15th October 2024 to 16th and 17th  October 2024 can start opening the pocket money at 8:00 PM on 18th October 2024. Starting every 8:00 PM on 18th October 2024 to 21st October 2024, customers will be able to collect the pocket money.. Pocket Money giveaway will be first come first serve only.

9. As it is first come first serve basis, Customers are encouraged to log in to their KBZPay account prior to the start of the Campaign to get the chance to open the KBZPay Pocket Money. If the lantern is opened with candles received by the Customer and used even on the first opening day, the candles need to be collected from the beginning for the next opening days.

10. If KBZPay Customers want to get a large amount of pocket money, the Customer can invite more users to open KBZPay Accounts, and if the invitees were successfully open as KBZPay Level 2 Customers, the Customer can collect more candles.

11.     The validity of a coupon mentioned in this Campaign is (7) days, and after the validity date, the Coupons will become invalid. Participants are not allowed to exchange, transfer or exchange their coupons as cash.

12. Customers are advised to upgrade their KBZPay application to the latest version to participate in this Campaign. 

13.        Customers can participate in this Campaign via KBZPay app banners, notifications, KBZPay Official Account articles and invitation links from social media.

14. During this Campaign period, KBZPay  Customers will be entitled to enjoy the benefits stated in these terms and conditions, which will expire at the end of this Campaign period. Notwithstanding the Clauses herein, Customers can enjoy the Coupons within (7) days as stated in Clause 13, if the Customer received the Coupons on the last day of the Campaign.

15.       KBZ employees will not contact participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.

16. Customers are strictly forbidden to cheat in any other form or manner during this Campaign. KBZPay has the right to cancel and/or ban any Customer who is suspected to be cheating in any form and/or manner.

17.       In the event of any dispute arising between KBZPay Customers and KBZPay regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZPay without any prejudice to the statutory rights of the Customer.

18.        Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these terms and conditions without giving any notice.

19.       KBZPay, at any time, shall have the right to amend or cancel or terminate the terms and conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.

20.       All normal KBZPay terms and conditions apply.

21.     These terms and conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.

22. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves.KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.

23. These terms and conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.