BIBD TREATS MERCHANT DISCOUNT PROGRAMME TERMS AND CONDITIONS

The following Terms and Conditions (?these Terms?) apply exclusively to the BIBD Treats Merchant Discount Programme (?the Programme?) held by Bank Islam Brunei Darussalam Berhad (?BIBD?).

1
Programme Period
1.1
The Programme will commence from 1st January 2016 until 31st December 2016 (?the Period?) or such other date(s) as may be determined by BIBD, at its sole discretion from time to time.
1.2
Customers may avail of the discounts at any participating merchants who have subscribed to the Programme throughout the Period.
2
Eligibility
2.1
This Programme is open to all new and existing BIBD MasterCard Credit Card (Platinum, Gold and Classic), BIBD MasterCard Debit Card holders and e-Tunai users who maintain financing facilities with BIBD which are not in delinquent or past due status and/or are facing any civil/legal/bankruptcy proceedings.
2.2
Customers, whose accounts have been suspended, cancelled or terminated for whatsoever reasons during the Period, shall be disqualified from this Promotion.
2.3
Successful retail transactions made using BIBD MasterCard Credit Card (Platinum, Gold and Classic), BIBD MasterCard Debit Card and by way of eTunai through POS machines (Point of Sale terminal where Customers make payments with the BIBD Cards) or tablets (A tablet device where customers make payments using eTunai) at participating merchants will be eligible for participation in this Programme.
2.3
Successful retail transactions made using BIBD MasterCard Credit Card (Platinum, Gold and Classic), BIBD MasterCard Debit Card and by way of eTunai through POS machines (Point of Sale terminal where Customers make payments with the BIBD Cards) or tablets (A tablet device where customers make payments using eTunai) at participating merchants will be eligible for participation in this Programme.
2.4
For the avoidance of doubt, cash withdrawal transactions of any kind including withdrawals made through any of BIBD?s Automated Teller Machine(s) or over the counter will not qualify for purposes of inclusion in this Programme.
3
Programme Mechanics
During the Period, the following criteria and conditions must be met in order to be eligible for the discounts:
Criteria Conditions
Every purchase transaction via Retail / POS /
Tablets with

1) ??BIBD Platinum Credit MasterCard
2) ??BIBD Gold Credit MasterCard
3) ??BIBD Classic Credit MasterCard
4) ??BIBD Debit MasterCard
5) ??eTunai

Retail transactions made through POS machines or tablets which are approved, cleared and settled.

Some cardholder discounts are subject to participating merchant?s minimum spend policy and other terms and conditions.

4
Discounts
4.1
The discounts to be given away under the Programme are available at participating merchants, as listed on the BIBD Website.
4.2
If BIBD subsequently determines that a person is ineligible or is not entitled to a discount for any reason whatsoever, BIBD may at its discretion reclaim the discount.
5
General
5.1
By participating in the Programme, the Customer expressly agrees to be bound by these Terms.
5.2
BIBD reserves the right to extend, cancel, terminate or suspend the Programme at any time without assigning any reasons whatsoever without any prior notice.
5.3
For the avoidance of doubt, any extension, cancellation, termination or suspension of the Programme shall not entitle the eligible customer to any claim or compensation against BIBD for any and/or all losses or damage suffered or incurred by customer as a direct or indirect result of the act of extension, cancellation, termination or suspension.
5.4
BIBD reserves the right to modify, amend, vary, or add to any of these Terms from time to time without any prior notice.
5.5
In the event of any inconsistency between these Terms and any brochure, marketing or promotional materials relating to the Programme, these Terms shall prevail.
5.5
BIBD?s decision on any or all matters relating to the Programme shall be final and absolute.
5.7
These Terms shall be governed by and construed in accordance with the Laws of Brunei Darussalam and the Courts of Brunei Darussalam shall have exclusive jurisdiction to hear any dispute or claim pertaining hereto.