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.

1. “10.10 Shopping Spree” Campaign will be started from 10th October 2024 till 19th October 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.The Customers need to upgrade their KBZPay Application to the 5.1 version and above.
3. The purpose of this Campaign is to provide special discounts and enjoy delivery fees discount for KBZPay Customers using KBZPay Application version 5.1 and above who purchase from Merchant and making payment with KBZPay.
4. “10.10 Shopping Spree” Campaign offers special programs such as free delivery with first 200 orders of 38,000 Ks minimum purchase value on 12th October, 16th October and 19th October. There will be a “Hottest Deals in Town” 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 10.10 Shopping Spree Campaign, “Hottest Deals in Town” program will be held two (2) times during this Campaign period. The first time “Hottest Deals in Town” program will be held on 10th October 2024 and the second time  will be held on 14th October 2024. For the first “Hottest Deals in Town” program that starts on 10th October 2024, Customers can start using the Coupon code only on 10th October 2024 at 10:00PM. For another  “Hottest Deals in Town” Activity on 14th October 2024, Customers can start using the Coupon code only on 14th October 2024 at 8:00PM. The coupon code validity date and duration of the “Hottest Deals in Town” that starts on 10th October 2024 is from 10th October 2024 10:00 PM to 11th October 2024 10:00 PM. The coupon code validity date and duration of the “Hottest Deals in Town” that starts on 14th October 2024 is from 14th October 2024 8:00 PM to 15th October 2024 8:00 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. Customers can purchase the products from the Merchants via KBZPay Market from KBZPay App mini icon, KBZPay Home page banner, KBZPay Facebook, Viber, and KBZPay Market Official Account (5.1 version and above) for the “10.10 Shopping Spree”.
8. 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.
9. KBZPay Market is the marketplace where Merchants can manage their own stores. The cancellation  from the Merchants’ side will not take any responsibility from KBZPay. 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.
10. The Customer acknowledges and agrees that KBZ shall not be liable to the Customer or any third party for any discontinuation or inability to access the Services provided to the Customers under this Campaign.
11. 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.
12. 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.
13. 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.
14. 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.
15. KBZ employees will never contact participants in the Campaign to ask for OTP, PIN, or Account information of Customers participating in this Campaign.
16. KBZPay 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 cheating in any form and/or manner.
17. 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.
18. 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.
19. 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.
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.
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.

1. “Celebrate 6th KBZPay’s Birthday with Exciting Plans” Campaign takes place from 8th October 2024 to 13th October 2024.
2. In order to participate in this Campaign, KBZPay Customers need to be KBZPay Level 1.5 , 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 2 successfully. The Customers need to upgrade their KBZPay application version  to the 5.5.0 and above.
3. The purpose of this campaign is to give rewards to the KBZPay Customers as a gesture of appreciation  in celebration of KBZPay’s 6th Birthday.
4. There is no minimum purchase amount required to get a chance to win the rewards. If the KBZPay Customers complete a designated task,they will get a chance to win the rewards. During the campaign period, each KBZPay Customer can receive only one chance. The rewards are Cashbacks, KBZPay Market Coupons, Top-up Coupons, Bill payment Coupon, Gift Card Coupon and Thank You.
5. Cashbacks 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.
6. The KBZPay Market Coupons, Top-up Coupons,Gift Card Coupon, Bill payment 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 7 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.
7. 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 (6) if the Customers received the Coupons on the last day of the Campaign.
8. KBZPay Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account articles.
9. The KBZ employees are not eligible for the 600,000 Kyats special prizes. Apart from that they are eligible  for the other rewards.
10. KBZ employees will never ask the participants in the Campaign for OTP, PIN, or KBZPay Account information.
11. KBZPay 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.
12. 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.
13. 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.
14. KBZPay 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. 
15. All normal KBZPay Terms and Conditions and MMBusTicket  terms and conditions  shall  apply.
16. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
17. 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.
18. 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. “Let’s pay with KBZPay to stay stylish!” Campaign takes place from 4th October 2024 to 10th October 2024.

2. All Level KBZPay Customers can participate in this campaign.The Customers need to upgrade their KBZPay application version to the 5.5.0 and above.

3. The purpose of this campaign is to offer Customers the chance to win cashback during the campaign period. When customers purchase 50,000 Kyats or above at KBZ’s partner shops such as MK Fashion, American Collection, Giordano, UUBuy Myanmar, or Virgo Fashion and  pay with KBZPay by scanning shop’s KBZPay QR (or) with Customer Present QR  (or) Own Scan (Micro Pay), they will be eligible to win the following cashbacks: 300,000 Kyats (1 prize), 200,000 Kyats (1 prize), 100,000 Kyats (1 prize), and 50,000 Kyats (5 prizes). 

4. Winners will be selected randomly, and each winner can be entitled to only  one prize throughout the whole campaign. Winners will be announced within one week after the Campaign period.

5. Cashbacks will be credited directly to KBZPay wallets of eligible winners within two weeks after the winner announcement. However, the cashback credited timeline may be varied in the event outside the control of KBZ.

6. The winners must acknowledge and agree that KBZ Bank may use the winner’s name and partial mobile phone number to announce on KBZPay Official Facebook Page and Official Viber Channel.

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 for OTP, PIN, or KBZPayAccount information.

10. KBZPay 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.

11. In the event of any dispute arising between KBZPay Customers and KBZ regarding thisCampaign, 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. KBZPay 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 KBZPay’s Partner 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 at ERKE with KBZPay and Step into Style” Campaign takes place from 22^nd   September to 28^th September 2024.
2. KBZPay 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 2 Customers and Youth Account Customers to get Cashbacks by making purchases 200,000 Kyats and above successfully at ERKE shops and Pay with KBZPay by scanning ERKE shop’s KBZPay QR (or) with Customer Present QR  (or) Own Scan (Micro Pay).
4. It will be eligible for the payment of 200,000 Kyats and above for making  payments by scanning the KBZPay QR Code of the ERKE shops      (or) with Customer Present QR (or) Own Scan (Micro Pay) and the customer will receive 20,000 Kyats cashback  .
5. During the Campaign period, one KBZPay Account can be entitled to receive one chance per day. There are limited 60 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 and the Terms and Conditions of the ERKE           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. This Lucky Draw Campaign for International Inward Remittance Users of KEB Hana and K PLUS to Win Cash Back Prizes (“Campaign”) is valid from 9th September 2024 to 3rd November 2024. (The transfer and receiving dates must be within this Campaign period.)

2. The purpose of this Campaign is to give KBZ Customers who receive international remittance funds via KEB Hana and K PLUS the chance to win Cashback prizes. 

3. All KBZ Customers who receive a minimum fund of 300,000 MMK via KEB Hana and 150,000 MMK via K PLUS network during the Campaign period will automatically be eligible to participate in the Campaign and receive (1) token of Lucky Draw to win the prize. Each Customer will be eligible for one (1) token for each 14 days period, regardless of the number of transactions. Prizes included in this Campaign are listed below.

Prize	QuantityKEB Hana(one time)	QuantityK PLUS(one time)	Total Quantity(4 times)KEB Hana + K PLUS	Lucky Draw Schedule
Cash Back 100,000 MMK	2	2	16	Random pick after every (14) days of the Campaign period
Cash Back 50,000 MMK	3	3	24
Cash Back 30,000 MMK	5	5	40
Cash Back 15,000 MMK	10	10	80
Total	20	20	160

4. For every (14) days of the Campaign period, total (40) winners for KEB Hana and K PLUS will be selected on Random Picker and winners will be announced via KBZ Bank’s Official Social Media Channels (with blue marks). Winners will also be notified by SMS from KBZ Bank. The Winners agree and acknowledge that KBZ Bank may use the Winners’ names and phone numbers (not full digit) in order to announce the Winners of the prize through social media and website. 

5. Cashback will be credited into the Winners’ KBZ Bank account or KBZPay account within (1) working day after the winner announcement. However, the Cashback credited timeline may be varied in the event outside the control of KBZ.

6. KBZ employees will not contact participants in the Campaign to ask for OTP or PIN or KBZ Bank Account information.

7. During this Campaign period, KBZ Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period.

8. KBZ employees are not eligible for this Campaign. 

9. Customers are strictly forbidden to involve in any other form or manner of any fraudulent activities during this Campaign. KBZ Bank has the right to cancel and/or ban any Customer who is suspected to be involved in any form and/or manner of any fraudulent activities.

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

11. KBZ Bank, 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 amendment, cancellation or termination of this Campaign for some reasons and/or variation to these terms and conditions without giving any notice.

13. All normal KBZ Bank Terms and Conditions and International Remittance Terms and Conditions shall apply.

14. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.

15. KBZ Bank 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 Bank 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 two versions, the Myanmar version shall prevail.

17. Any clarifications on this Campaign and more information, please contact KBZ Bank Call Center Phone No. 09951018555.

1. “9.9 Super Sale” Campaign will be started from 9th September 2024 till 18th September 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.The Customers need to upgrade their KBZPay Application to the 5.1 version and above.
3. The purpose of this Campaign is to provide special discounts and enjoy delivery fees discount for KBZPay Customers using KBZPay Application version 5.1 and above who purchasing from Merchant and making payment with KBZPay.
4. 9.9 Super Sale Campaign offers special program such as free delivery with first 200 orders of 38,000 Ks minimum purchase value on 11th September, 15th September and 18th September, . There will be a “Hottest Deals in Town” 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 exceed delivery fee.
5. In the KBZPay Market’s 9.9 Super Sale Campaign, “Hottest Deals in Town” program y will be held two (2) times during this Campaign period. The first time “Hottest Deals in Town” program will be held on 9th September 2024 and the second time  will be held on 13th September 2024. For the first “Hottest Deals in Town” program that starts on 9th September 2024, Customers can start using the Coupon code only on 9th September 2024 at 9:00PM. For another  “Hottest Deals in Town” Activity on 13th September 2024, Customers can start using the Coupon code only on 13th September 2024 at 9:00PM. The coupon code validity date and duration of the “Hottest Deals in Town” that starts on 9th September 2024 is from 9th September 2024 9:00 PM to 10th September 2024 9:00 PM. The coupon code validity date and duration of the “Hottest Deals in Town” that starts on 13th September 2024 is from 13th September 2024 9:00 PM to 14th September 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. Customers can purchase the products from the Merchants via KBZPay Market from KBZPay App mini icon, KBZPay Home page banner, KBZPay Facebook, Viber, and KBZPay Market Official Account (5.1 version and above) for the “9.9 Super Sale”.
8. 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.
9. KBZPay Market is the marketplace where Merchants can manage their own stores. The cancellation  from the Merchants’ side will not take any responsibility from KBZPay. 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.
10. The Customer acknowledges and agrees that KBZ shall not be liable to the Customer or any third party for any discontinuation or inability to access the Services provided to the Customers under this Campaign.
11. 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.
12. 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.
13. 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.
14. 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.
15. KBZ employees will not contact participants in the Campaign to ask for OTP, PIN, or Account information of Customers participating in this Campaign.
16. KBZPay 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 cheating in any form and/or manner.
17. 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.
18. 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.
19. 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.
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.
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.