These Terms & Conditions (“T&C”) govern the Senang Payday Sales Lucky Draw Campaign (“Campaign”) organized by Senang.io. By participating in this Campaign, customers agree to be bound by these T&C. 

- The Campaign runs from 23 September 2025 to 5 October 2025 (“Campaign Period”).
- Any purchases made outside of this period will not qualify for the Lucky Draw. 

- The Campaign is open to all individuals aged 18 years and above, residing in Malaysia.
- Participants must successfully purchase a valid Senang insurance policy during the Campaign Period.
- Employees of Senang.io, its affiliates, partners, and their immediate family members are not eligible to participate. 

- Every successful purchase of a Senang insurance policy during the Campaign Period entitles the customer to one (1) Lucky Draw entry.
- Multiple purchases will entitle the customer to multiple entries (e.g., two policies = two entries).
- Policy cancellations, lapsed, or rejected policies during or before the Lucky Draw date will result in disqualification. 

- One (1) winner will be selected at random to receive a smartphone worth RM1,500 (“Prize”).
- The Prize is not exchangeable for cash, credit, or any other items.
- Senang.io reserves the right to substitute the Prize with an item of similar value if the Prize is unavailable due to unforeseen circumstances. 

- The Lucky Draw will be conducted within 14 days after the Campaign Period.
- Winners will be notified via email and/or phone call using the contact information provided during policy purchase.
- If the winner cannot be contacted within 7 days of the first attempt, Senang.io reserves the right to select another winner. 

- The Prize will be delivered to the winner’s registered address or collected at a location designated by Senang.io.
- Winners must present valid identification and proof of policy purchase for verification.
- Failure to comply with redemption requirements may result in forfeiture of the Prize.

- Senang.io reserves the right to verify the eligibility of participants and disqualify entries that do not comply with these T&C.
- Senang.io is not liable for any loss, damage, or injury suffered as a result of participating in the Campaign or from accepting the Prize.
- By participating, winners consent to their name and likeness being used for promotional purposes without additional compensation. 

- All personal data provided will be collected, stored, and processed in accordance with the Personal Data Protection Act 2010 (PDPA).
- Participants’ information will only be used for the purposes of this Campaign unless stated otherwise. 

- Senang.io reserves the right to amend, suspend, or terminate the Campaign and/or these T&C at its sole discretion without prior notice.
- The decision of Senang.io regarding all matters relating to this Campaign shall be final and binding.