Principal Unit Trust Merdeka Campaign (“Campaign”) Terms & Conditions
1. The Campaign is organised by TNG Digital Sdn Bhd (201701042478) (“TNG Digital”) and Principal Asset Management Berhad (199401018399 (304078-K) (“Principal”).
2. The Campaign begins on 19th August 2024 and ends on 30th September 2024, both dates inclusive (“Campaign Period”).
Eligibility
3. The Campaign is open to all Investment - Principal users who perform a Cash In to their Principal - Invest feature account, made available on the Investment tile of TNG eWallet, during the Campaign Period (“Eligible Participant”).
4. Eligible Participants can Cash In into any one (1) of the following products:
a) Principal Islamic Money Market Fund
b) Principal Islamic Global Selection Moderate Conservative Fund
c) Principal Islamic Global Selection Moderate Fund
d) Principal Islamic Lifetime Enhanced Sukuk Fund
e) Principal Global Titans Fund
f) Principal DALI Global Equity Fund
g) Principal Asia Pacific Dynamic Income Fund
h) Principal Asia Pacific Dynamic Mixed Asset Fund
i) Principal Islamic Global Selection Aggressive Fund
j) Principal Islamic Lifetime Balanced Fund
k) Principal Islamic Enhanced Opportunities Fund
l) Principal Lifetime Bond Fund
m) Principal Lifetime Balanced Income Fund
n) Principal Asia Titans Fund
o) Principal Malaysia Titans Fund
p) Principal Titans Income Plus Fund
(“Eligible Product”).
5. Eligible Participants will be entitled to the additional Merdeka Bonus Reward and/or the Exclusive Reward as set out in Part I and Part II of the Campaign Rewards and Mechanics below (“Campaign Rewards”).
Campaign Rewards and Mechanics
I. Reward 1: Merdeka Bonus Reward
6. Subject to the terms and conditions stated herein, the Eligible Participants who satisfy the conditions stated in Clause 3, 4 and 8 will be entitled to an additional bonus rate (“Merdeka Bonus Reward”) on the Net Cash Flow (“NCF”) amount maintained for a period of thirty (30) days, whereby NCF shall mean the amount calculated by subtracting the total cash-out amounts from the total cash-in amounts for each Eligible Account throughout the Campaign Period.
7. The Merdeka Bonus Reward entitled are illustrated as below:
NCF Amount (RM) | Additional Bonus Reward Entitled |
RM2,000 – RM10,000 | 2% p.a. |
RM10,001 – RM50,000 | 4% p.a. |
RM50,001 and above | 8.31% p.a. |
8. To be eligible for the Merdeka Bonus Reward, the Eligible Participants are required to fulfil all of the following requirements:
a. The Eligible Participant must key in “MERDEKA” in the promo code field of Principal - Invest feature account whenever a single cash in is performed within the Campaign Period.
b. The Eligible Participant must:
i. Perform a minimum cash in of Ringgit Malaysia Two Thousand (RM2,000.00) in a single transaction into their Principal - Invest feature account; or activate the “Auto Cash-In” feature during the Campaign Period and performs an automated cash-in with a minimum amount of RM100.00 only which cumulatively add up to a minimum of RM2,000.00 during the Campaign Period;
ii. The Cash In must be successfully completed within the Campaign Period.
c. The Eligible Participant must maintain the subscription in their Principal - Invest feature account for a holding period of thirty (30) days from the last day of the Campaign Period, i.e. from 1st October 2024, 12:00 AM to 30th October 2024, 11.59pm (“Post Campaign Period”). The Eligible Participant shall not be entitled to the Campaign Rewards if any redemption is performed during the Post Campaign Period.
d. The additional Merdeka Bonus Reward will be calculated based on the NCF amount in the Eligible Participant’s Principal - Invest account last recorded as at the last day of the Campaign Period, i.e. 30th September 2024 11.59 PM.
9. Each Eligible Participant who fulfils all the criteria stated in Clause 3, 4 and 8 herein is entitled to earn the Merdeka Bonus Reward, capped at RM1,888 per Eligible Participant.
II. Reward 2: Exclusive Reward
10. Subject to the terms and conditions stated herein, the Eligible Participants who satisfy the conditions stated in Clause 3, 4 and 11 will be entitled to a RM5 Food and Beverages (F&B) electronic voucher (“Exclusive Reward”), on top of Reward 1.
11. To be eligible for the Exclusive Reward, the Eligible Participants are required to fulfil all of the following requirements:
a. Has never performed any cash in into the Principal - Invest feature account.
b. Must key in a valid promo code (as provided either through an email invitation by Principal and/or its media marketing initiatives, “Exclusive Promo Code”) in the promo code field of Principal - Invest feature account whenever a single cash in is performed within the Campaign Period.
c. Must perform a cash in and maintain a minimum NCF of RM2,000 during the Campaign Period in the Eligible Participant’s Principal - Invest account last recorded as at the last day of the Campaign Period, i.e. 30th September 2024 11.59 PM.
d. Must maintain the subscription in their Principal - Invest feature account for a holding period of thirty (30) days from the last day of the Campaign Period, i.e. from 1st October 2024, 12:00 AM to 30th October 2024, 11.59pm (“Post Campaign Period”). The Eligible Participant shall not be entitled to the Campaign Rewards if any redemption is performed during the Post Campaign Period.
12. Each Eligible Participant who fulfils all the criteria stated in Clause 3, 4 and 11 herein is entitled to earn the Reward 2, capped at one (1) unit per Eligible Participant.
13. Illustration:
Participant | Transaction(s) | Campaign Reward Entitled | ||||||||||||||||||||||||||||||||||||
A (New user and keys in “MERDEKA” promo code) |
| Entitled for 4% p.a. Merdeka Bonus Reward on RM12,000 NCF – RM39 Cash Back into TNG e-Wallet only | ||||||||||||||||||||||||||||||||||||
B (New user and keys in Exclusive Promo Code) |
| Entitled for 2% p.a. Merdeka Bonus Reward on RM4,000 NCF – RM7 Cash Back into TNG e-Wallet and Exclusive Gift of RM5 F&B e-Voucher | ||||||||||||||||||||||||||||||||||||
C (New user and keys in Exclusive Promo Code) |
| Not entitled for Merdeka Bonus Reward & Exclusive Gift as Participant C performed cash out/ redemption during Post-Campaign Period | ||||||||||||||||||||||||||||||||||||
D (Existing User) |
| Entitled for 4% p.a. Merdeka Bonus Reward on RM10,500 – RM35 Cash Back into TNG e-Wallet | ||||||||||||||||||||||||||||||||||||
E (Existing user) |
| Entitled for 8.31% p.a. Merdeka Bonus Reward on RM95,000 – RM649 Cash Back into TNG e-Wallet | ||||||||||||||||||||||||||||||||||||
F (Existing user) |
| Entitled for 2% p.a. Merdeka Bonus Reward on RM3,300 NCF – RM5 Cash Back into TNG e-Wallet.
| ||||||||||||||||||||||||||||||||||||
G (Existing user and keys in Exclusive Promo Code) |
| Entitled for 2% p.a. Merdeka Bonus Reward on RM6,500 NCF – RM11 Cash Back into TNG e-Wallet. Not entitled to Exclusive Reward as Participant G is an existing user. | ||||||||||||||||||||||||||||||||||||
Other Campaign Terms and Conditions
14. The Merdeka Bonus Reward will be in the form of cash back into the Eligible Participant’s TNG e-wallet account, which will be credited into the Eligible Participant’s TNG e-wallet account. The Exclusive Reward will be in the form of F&B e-Voucher, in which the Eligible Participant will be notified through electronic Direct Mail (eDM) and/or Short Message Service (SMS) sent from Principal. Both Campaign Rewards shall be fulfilled to the Eligible Participants within 45 days after Post Campaign Period (“Reward Distribution Date”); i.e. by 14th December 2024.
15. If the Eligible Participant closes their TNG eWallet account or Principal - Invest account or exercises their right to cooling off prior to the Reward Distribution Date, the Eligible Participant shall be automatically disqualified from this Campaign and shall not be entitled to the Campaign Reward.
16. For the avoidance of any doubt, Eligible Participant will not be entitled to the Campaign Reward, if the Amount Capped as defined below” is fully allocated or utilized.
17. This Campaign will end once the maximum allocation of RM350,000 of the Campaign Reward amount (“Amount Capped”) is reached or when the Campaign Period ends, whichever is earlier.
18. Eligible Participants are entitled to participate concurrently in other promotions or campaigns organised by Principal or TNGD during the Campaign Period.
19. By participating in this Campaign, Users agree to allow TNGD and Principal the right to use names, private details and photographs of the Users and/or Winners, for marketing, advertising and publicity purposes, in accordance with applicable laws without any cost or compensation.
20. All Winners shall be personally liable for all taxes, rates, government fees or any other charges that may be levied against them under the applicable laws in relation to the prizes and this Campaign.
21. TNGD shall be entitled to withhold any benefits pursuant to this Campaign, with prior notice to the Users if the Users are found to have been in breach of any TNGD’s Users Terms and Conditions which can be found at https://www.touchngo.com.my/assets/pdf/user-tnc.pdf
22. TNGD and Principal reserve the right, at any time, to alter, shorten, cancel, suspend or terminate this Campaign earlier in whole or in part, or to vary, delete, or add any Terms and Conditions herein anytime by giving written notice through the TNGD and Principal websites or social media platforms owned by TNGD and Principal, respectively.
23. TNGD and Principal reserve the right to disqualify/reject any Users who do not comply with these terms and conditions stated herein and/or are found or suspected to be tampering with this Campaign and/or its process or the operations of this Campaign. Tampering shall include fraudulent activities involving any act of deceit and/or deception and/or cheating with regards to this Campaign.
24. TNGD and Principal shall not be responsible or liable for any losses howsoever arising or suffered by the Users whether arising directly or indirectly from the Users’ participation in this Campaign or otherwise.
25. These Terms and Conditions shall be further subject to the TNGD’s General Terms and Conditions which can be found at https://www.touchngo.com.my/terms-conditions/general-campaign-terms-and-conditions/.
26. These Terms and Conditions shall be governed by the laws of Malaysia.
27. In the event of any inconsistencies, discrepancies or conflicts between the English version and the Bahasa Malaysia version of these Terms and Conditions, the English version of these Terms and Conditions shall prevail.
28. Please visit https://www.touchngo.com.my for more information or inquiries relating to this Campaign.
Terma & Syarat Kempen Merdeka Amanah Unit Utama Principal (“Kempen”)
1. Kempen ini dianjurkan oleh TNG Digital Sdn Bhd (201701042478) (“TNG Digital”) dan Principal Asset Management Berhad (199401018399 (304078-K) (“Principal”).
2. Kempen ini bermula pada 19 Ogos 2024 dan berakhir pada 30 September 2024, kedua-dua tarikh termasuk (“Tempoh Kempen”).
Kelayakan
3. Kempen ini terbuka kepada semua pengguna Investment – Principal yang melakukan pelaburan ke dalam akaun Principal - Invest mereka semasa Tempoh Kempen (“Peserta Layak”).
4. Peserta Layak boleh melakukan pelaburan ke dalam mana-mana satu (1) produk berikut:
a) Principal Islamic Money Market Fund
b) Principal Islamic Global Selection Moderate Conservative Fund
c) Principal Islamic Global Selection Moderate Fund
d) Principal Islamic Lifetime Enhanced Sukuk Fund
e) Principal Global Titans Fund
f) Principal DALI Global Equity Fund
g) Principal Asia Pacific Dynamic Income Fund
h) Principal Asia Pacific Dynamic Mixed Asset Fund
i) Principal Islamic Global Selection Aggressive Fund
j) Principal Islamic Lifetime Balanced Fund
k) Principal Islamic Enhanced Opportunities Fund
l) Principal Lifetime Bond Fund
m) Principal Lifetime Balanced Income Fund
n) Principal Asia Titans Fund
o) Principal Malaysia Titans Fund
p) Principal Titans Income Plus Fund
(“Produk Layak”).
5. Peserta Layak akan layak untuk Kadar Bonus Merdeka tambahan dan/atau Hadiah Istimewa seperti yang ditakrifkan di Bahagian I dan Bahagian II Ganjaran & Mekanik Kempen di bawah (“Ganjaran Kempen”).
Ganjaran & Mekanik Kempen
I. Ganjaran Kadar Bonus Merdeka
6. Tertakluk kepada terma dan syarat yang dinyatakan di sini, Peserta Layak yang memenuhi syarat-syarat yang dinyatakan dalam Fasal 3, 4 dan 8 di bawah akan berhak mendapat kadar bonus tambahan (“Kadar Bonus Merdeka”) pada jumlah aliran tunai bersih (“NCF”) yang dikekalkan selama tempoh tiga puluh (30) hari, di mana NCF bermaksud jumlah yang dikira dengan mengecualikan jumlah tunai keluar secara keseluruhan daripada jumlah wang tunai yang dimasukkan untuk setiap Akaun yang layak sepanjang Tempoh Kempen.
7. Kadar Bonus Booster yang layak diilustrasikan seperti di bawah:
Jumlah NCF (RM) | Kadar Bonus Merdeka Layak |
RM2,000 – RM10,000 | 2% p.a. |
RM10,001 – RM50,000 | 4% p.a. |
RM50,001 and above | 8.31% p.a. |
8. Peserta Layak dikehendaki memenuhi semua syarat berikut untuk layak mendapat Ganjaran Kadar Bonus Merdeka:
a. Peserta Layak mesti memasukkan “MERDEKA” dalam bidang kod promosi akaun Principal - Invest apabila pelaburan tunggal dilakukan dalam Tempoh Kempen.
b. Peserta Layak mesti:
i. Melakukan pelaburan dengan minimum Ringgit Malaysia Dua Ribu (RM2,000.00) dalam satu transaksi tunggal ke dalam akaun Principal – Invest; atau mengatifkan ciri “Auto Cash-In” di mana pelaburan automatik dengan jumlah minimum RM100.00 dilakukan semasa Tempoh Kempen.
ii. Pelaburan mesti berjaya diselesaikan dalam Tempoh Kempen.
c. Peserta Layak mesti mengekalkan pelaburan yang dilakukan dalam akaun Principal - Invest mereka untuk tempoh pegangan selama tiga puluh (30) hari dari hari terakhir Tempoh Kempen, iaitu. dari 1 Oktober 2024, 12:00 PG hingga 30 Oktober 2024, 11.59 malam (“Tempoh Pasca Kempen”). Peserta Layak tidak berhak mendapat Ganjaran Kempen jika apa-apa penebusan dilakukan semasa Tempoh Pasca Kempen.
d. Kadar Bonus Merdeka akan dikira berdasarkan jumlah NCF dalam akaun Principal - Invest Peserta Layak yang kali terakhir direkodkan pada hari terakhir Tempoh Kempen, iaitu. 30 September 2024 11.59 PM.
9. Setiap Peserta Layak yang memenuhi semua kriteria yang dinyatakan dalam Fasal 3, 4 dan 8 terma dan syarat ini berhak untuk mendapatkan Kadar Bonus Merdeka, terhad kepada RM1,888 bagi setiap Peserta Berhak.
II. Ganjaran Hadiah Istimewa
10. Tertakluk kepada terma dan syarat yang dinyatakan di sini, Peserta Layak yang memenuhi syarat-syarat yang dinyatakan dalam Fasal 3, 4 dan 11 di bawah akan berhak mendapat baucar elektronik makanan dan minuman bernilai RM5 (“Hadiah Istimewa”), di atas Ganjaran I.
11. Peserta Layak dikehendaki memenuhi semua syarat berikut untuk layak mendapat Ganjaran Hadiah Istimewa:
a. Tidak pernah melakukan pelaburan ke dalam akaun Principal – Invest.
b. Mesti memasukkan kod promosi yang sah (seperti yang diberikan melalui jemputan emel dari Principal dan/atau inisiatif pemasaran media, “Kod Promosi Eksklusif”) dalam bidang kod promosi akaun Principal - Invest apabila pelaburan tunggal dilakukan dalam Tempoh Kempen.
c. Mesti melakukan pelaburan dan mengekalkan jumlah minimum RM2,000.00 NCF dalam akaun Principal – Invest yang kali terakhir direkodkan pada hari terakhir Tempoh Kempen, iaitu. 30 Jun 2024 11.59 PM.
d. Mesti mengekalkan pelaburan yang dilakukan dalam akaun Principal - Invest mereka semasa Tempoh Pasca Kempen, iaitu. dari 1 Oktober 2024, 12:00 PG hingga 30 Oktober 2024, 11.59 malam. Peserta Layak tidak berhak mendapat Hadiah Istimewa jika apa-apa penebusan dilakukan semasa Tempoh Pasca Kempen.
12. Setiap Peserta Layak yang memenuhi semua kriteria yang dinyatakan dalam Fasal 3, 4 dan 11 terma dan syarat ini berhak untuk mendapatkan Hadiah Istimewa, terhad kepada satu (1) Hadiah Istimewa bagi setiap Peserta Layak.
13. Ilustrasi:
Peserta | Transaksi | Ganjaran Kempen Bertajuk | ||||||||||||||||||||||||||||||||||||||||||||||||
A |
| Berhak untuk Kadar Bonus Merdeka 4% p.a. pada NCF RM12,000 - Pulangan Tunai RM39 ke dalam TNG e-Wallet | ||||||||||||||||||||||||||||||||||||||||||||||||
B |
| Berhak untuk Kadar Bonus Merdeka 2% p.a. pada NCF RM4,000 - Pulangan Tunai RM7 ke dalam TNG e-Wallet, dan Hadiah Istimewa | ||||||||||||||||||||||||||||||||||||||||||||||||
C |
| Tidak berhak untuk Kadar Bonus Merdeka dan Hadiah Istimewa kenara Peserta B melakukan pengeluaran tunai semasa Tempoh Pasca Kempen
| ||||||||||||||||||||||||||||||||||||||||||||||||
D |
| Berhak untuk Kadar Bonus Merdeka 4% p.a. pada NCF RM10,500 - Pulangan Tunai RM6 ke dalam TNG e-Wallet
| ||||||||||||||||||||||||||||||||||||||||||||||||
E |
| Berhak untuk Kadar Bonus Merdeka 8.31% p.a. pada RM95,000 - Pulangan Tunai RM649 ke dalam TNG e-Wallet
| ||||||||||||||||||||||||||||||||||||||||||||||||
F (Pelabur Semasa) |
| Berhak untuk Kadar Bonus Merdeka 2% p.a. pada RM3,300 - Pulangan Tunai RM5 ke dalam TNG e-Wallet.
| ||||||||||||||||||||||||||||||||||||||||||||||||
G |
| Berhak untuk Kadar Bonus Merdeka 2% p.a. pada RM6,500 - Pulangan Tunai RM11 ke dalam TNG e-Wallet. Tidak berhak untuk Hadiah Istimewa kerana Peserta G adalah Pelabur Semasa. | ||||||||||||||||||||||||||||||||||||||||||||||||
Terma dan Syarat Lain Kempen
14. Ganjaran Kadar Bonus “Merdeka” akan diberikan dalam pulangan wang tunai kembali ke akaun TNG e-Wallet Peserta Berhak. Ganjaran 1 akan dikreditkan ke dalam akaun TNG e-Wallet Peserta Berhak. Ganjaran Hadiah Istimewa akan diberikan dalam bentuk baucar elektronik F&B, di mana Peserta Layak akan dimaklumkan melalui emel atau SMS yang dihantari oleh Principal. Kedua-dua Ganjaran akan diberi dalam tempoh 45 hari selepas Tempoh Pasca Kempen (“Tarikh Pengagihan Ganjaran”); iaitu sebelum 14 Disember 2024.
15. Jika Peserta Berhak menutup akaun TNG e-Wallet atau akaun Principal - Invest mereka atau menggunakan hak penyejuk sebelum Tarikh Pengagihan Ganjaran, Peserta Berhak akan secara automatik dikecualikan daripada Kempen ini dan tidak berhak untuk Ganjaran Kempen.
16. Untuk mengelakkan sebarang keraguan, Peserta Layak tidak akan berhak mendapat Ganjaran Kempen, jika Jumlah Dihadkan (“seperti yang ditakrifkan di bawah”) diperuntukkan atau digunakan sepenuhnya.
17. Kempen ini akan berakhir sebaik sahaja peruntukan maksimum RM350,000 daripada jumlah Ganjaran Kempen (“Ganjaran Kempen Maksimum”) dicapai atau apabila Tempoh Kempen berakhir, yang mana lebih awal.
18. Peserta Layak berhak untuk mengambil bahagian secara serentak dalam promosi atau kempen lain yang dianjurkan oleh Principal atau TNGD semasa Tempoh Kempen.
19. Dengan menyertai dalam Kempen ini, Pengguna bersetuju untuk membenarkan TNGD dan Principal hak untuk menggunakan nama, butiran peribadi dan gambar Pengguna dan/atau Pemenang, untuk tujuan pemasaran, pengiklanan dan publisiti, mengikut undang-undang yang terpakai tanpa sebarang kos atau pampasan.
20. Semua Pemenang akan bertanggungjawab secara peribadi untuk semua cukai, kadar, yuran kerajaan atau apa-apa caj lain yang mungkin dikenakan ke atasnya di bawah undang-undang yang terpakai berhubung dengan hadiah dan Kempen ini.
21. TNGD berhak untuk menahan apa-apa faedah menurut Kempen ini, dengan notis terlebih dahulu kepada Pengguna jika Pengguna didapati telah melanggar mana-mana Terma dan Syarat Pengguna TNGD’s yang boleh didapati di https://www.touchngo.com.my/assets/pdf/user-tnc.pdf
22. TNGD dan Principal berhak, pada bila-bila masa, untuk mengubah, memendekkan, membatalkan, menggantung atau menamatkan Kempen ini lebih awal secara keseluruhan atau sebahagian, atau untuk mengubah, memadam, atau, atau tambah apa-apa Terma dan Syarat di sini bila-bila masa dengan memberi notis bertulis melalui laman web TNGD dan Principal atau platform media sosial yang dimiliki oleh TNGD dan Principal.
23. TNGD dan Principal berhak untuk membatalkan kelayakan/menolak mana-mana Pengguna yang tidak mematuhi terma dan syarat yang dinyatakan di sini dan/atau didapati atau disyaki mengganggu Kempen ini dan/atau prosesnya atau operasi Kempen ini. Ini termasuk aktiviti penipuan yang melibatkan apa-apa perbuatan penipuan dan/atau penipuan dan/atau penipuan berhubung dengan Kempen ini.
24. TNGD dan Principal tidak akan bertanggungjawab atau bertanggungjawab ke atas sebarang kerugian yang timbul atau dialami oleh Pengguna sama ada yang timbul secara langsung atau tidak langsung daripada penyertaan pengunna dalam Kempen ini atau sebaliknya.
25. Terma dan Syarat ini akan terus tertakluk kepada Terma dan Syarat Umum TNGD’s yang boleh didapati di https://www.touchngo.com.my/terms-conditions/general-campaign-terms-and-conditions/.
26. Terma dan Syarat ini akan ditadbir oleh undang-undang Malaysia.
27. Sekiranya terdapat sebarang yang tidak konsisten, percanggahan atau konflik antara versi Bahasa Inggeris dan versi Bahasa Malaysia Terma dan Syarat ini, versi Bahasa Inggeris Terma dan Syarat ini akan diguna pakai.
28. Sila lawati https://www.touchngo.com.my untuk maklumat lanjut atau pertanyaan berkaitan Kempen ini.