2025 OB PH TOP LOCATIONS PROGRAM INDIA/CHINA – GOLF UMBRELLA

TERMS AND CONDITIONS

1. Information on how to enter and the prizes form part of these Terms and Conditions. By participating, participants agree to these Terms and Conditions.
2. The promoter of this Promotion is Creative Affairs Team, Inc, located in 160 Pasig Blvd., Bagong Ilog, Pasig City. All activities relating to marketing of the Promotion is done by Western Union, located in 11F One World Square Upper McKinley Road, McKinley Town Center Fort Bonifacio Taguig City.
3. This promotion is open to all Philippine residents aged 18 years or above (“Eligible Participants”). Employees and relatives within the second degree of consanguinity or affinity of Creative Affairs Team Inc and Western Union, Western Union® Agents and Sub-agents, and service providers/marketing agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or stepchild (whether natural or by adoption), parent, step-parent, grandparent, stepgrandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
4. This Promotion starts on 12:00am (AEST) on 15 January 2025 and ends on 11:59pm (AEST) on 15 April 2025 (“Promotion Period”). All transactions made after 11:59pm (AEST) on 15 April 2025 will not be accepted and will be considered as invalid.
5.  All Eligible Participants who, during the Promotion Period, send Western Union Money Transfer in the amount of at least PHP5,000 (principal amount, excluding transfer fees) at selected retail locations from Philippines to any China or India, with a Money Control Transfer Number (“qualifying transaction) during the period will receive a golf umbrella instantly. Offer valid while stocks last.
6.  Participating agents are USSC and Ebiz.
7.  Under the Philippine law, promotion winners under PHP10,000 are delivered to the recipient tax-free. As each prize is under the threshold, you as the recipient should not be taxed on your winnings.
8.  The golf umbrella is provided by a third-party provider, subject to their respective terms and conditions. The third-party provider will be responsible for any matters arising from or in connection with the prizes, services, and/or information they provide in relation to which Western Union will have no liability whatsoever. Any enquiry or complaint regarding the prizes, services, and/or information should be directed to such third-party provider. Western Union will not be held liable to the quality and availability of the prizes, services and information provided by the third-party provider, and excludes liability in connection with the promotion once the winner(s) enjoys any benefit relating to the promotion of the full extent permitted by law.
9.  The golf umbrella will be given at point of sale and must be redeemed at the participating location where transaction was made.
10. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to vandalism, power failure, natural disasters, acts of God, civil unrest, strikes, unauthorised intervention, fraud, or any other causes beyond the control of the Promoter, which corrupt or affect the administration, fairness or integrity or proper conduct of this Promotion, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any Eligible Participant (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the promotion, as appropriate to give effect so far as reasonably possible to the original intent of this promotion.
11. Subject to any applicable laws which cannot be excluded, the Promoter and its related bodies corporate and agents associated with this Promotion shall not be liable for any loss, damage or injury suffered or sustained by anyone (including, but not limited to, direct or indirect loss, consequential loss or loss arising from negligence) arising directly or indirectly out of or in connection with this Promotion or any prize provided as part of this Promotion.
12. For any further clarification and complaints, you can reach out to Western Union Financial Services Inc (WUFSI) customer service center at:

For PH receivers: 02-8888-1200 Metro Manila
1-800-1-888-1200 Toll-free nationwide PLDT
1-800-9-8881200 Toll-free nationwide Globe
+632-8888-1200 for calls overseas
Email – customeradvocatearoc@westernunion.com

13. Acceptance of any prize, benefit and/or offer provided by the Promoter will be deemed as consent by the winner(s) to take part in any related publicity and using their name, likeness, image and/or voice for advertising and other promotional purposes without compensation, except as otherwise prohibited by any applicable law.
14. Western Union collects personal information (“PI”) in order to conduct the Promotion and may disclose such PI to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to regulatory authorities. Participants agree to provide this PI. The use and handling of PI is seen in the Privacy Statement, which can be viewed at [https://www.westernunion.com/content/wucom/global/en/privacystatement.html]. The Privacy Statement also contains information about how
Eligible Participants may opt out, access, update or correct their PI, and how Eligible Participants may complain about a breach of their privacy or any other applicable law and how those complaints will be dealt with. The Promoter will not disclose Eligible Participant’s personal information to any entity outside of the country in which it was originally collected. A request to access, update or correct any PI should be directed to the Promoter.
15. To the extent that there is any inconsistency between these terms and conditions and other marketing materials or collateral produced in relation to this Promotion, these terms and conditions shall prevail.

Participating Branches: