WorldFirst New Funds-in Bonus Promotion Terms & Conditions

These terms and conditions (these "Terms and Conditions") govern the Promotion. By participating in the Promotion, you confirm that you accept these Terms and Conditions and agree to comply with them.

1. Definitions and Interpretation

In these Terms and Conditions, the following words and expressions shall have the following meanings:

   1.1 “Cashback Reward” shall have the meaning given to such term in clause 4.2;

   1.2 “FX” means foreign exchange;

   1.3 “Promotion” shall have the meaning given to such term in clause 2;

   1.4 “Promotion Period” shall have the meaning given to such term in clause 3;

   1.5 “Reward Criteria” shall have the meaning given to such term in clause 4.1;

   1.6 “WorldFirst” refers to WorldFirst (Singapore) Merchant Services Pte. Ltd. and/or its affiliates;

   1.7 “World Account” means the WorldFirst World Account, as provided by WorldFirst or its affiliates; and

   1.8 “World Account Terms” means all of the prevailing terms and conditions, including the privacy policies, governing the World Accounts.

2. Description of the Promotion

During the Promotion Period, a WorldFirst customer that is registered in a country or region supported by the account service offered by WorldFirst and satisfies the Reward Criteria may be eligible to receive the Cashback Reward (the “Promotion”).

3. Promotion Period

The “Promotion Period” is the period beginning on 12 October 2026 and ending on 31 December 2026 (both days, inclusive).

4. Cashback Reward

   4.1 A WorldFirst customer may be eligible to receive the Cashback Reward, provided that it satisfies all of following requirements:

       4.1.1 such person is an existing WorldFirst customer who (a) was referred to WorldFirst referral link and successfully registered for a World Account between 1 January 2026 to 12 October 2026; and (b) has never added or received funds into its World Account before the Promotion Period

       4.1.2 such person successfully adds or receives funds into its World Account during the Promotion Period in an aggregate amount of at least USD 500 (or the equivalent in another currency or currencies) (“Eligible Funds-in”).

   (collectively, the “Reward Criteria”).

   For purposes of clause 4.1 above, transfers from or between World Accounts shall not be considered as an Eligible Funds-in. Funds will only be considered as having been added or received into a World Account when such funds have been received by WorldFirst and/or an affiliate and credited to such person’s World Account.

   4.2 The "Cashback Reward" is a cashback reward with a value of USD 20. The Cashback Reward shall be credited to the relevant WorldFirst customer's World Account on or before the last day of the month following the month in which the Reward Criteria are satisfied. Such World Account must be valid, open and functioning, and must not be suspended, canceled, and/or terminated, at the time the Cashback Reward is credited to such account.

   4.3 WorldFirst has sole discretion to delay the crediting of the Cashback Reward for any reason that it deems appropriate, including for the purposes of assessing the eligibility of the relevant WorldFirst customer.

   4.4 The Cashback Reward is not transferable or exchangeable for cash, credit, products, or privileges or other benefits or payments in kind, whether in full or in part, and is not refundable or replaceable.

   4.5 A Cashback Reward received under this Promotion is exclusive and cannot be combined with or used in conjunction with other discounts or promotions, unless otherwise stated. For the avoidance of doubt, a WorldFirst customer will not be eligible to claim any additional reward in connection with new registration under any other ongoing promotion by WorldFirst.

   4.6 Should WorldFirst determine, in its sole discretion, that a WorldFirst customer is not eligible to receive the Cashback Reward or to participate in the Promotion for any reason (including but not limited to a breach of these Terms and Conditions or any applicable laws or regulations, improper use of any information relating to the Promotion, fraud, attempted fraud, or any other illegal or illegitimate activity), or where WorldFirst has knowledge of subsequent events which would mean that the WorldFirst customer would not have been entitled to receive the Cashback Reward (including but not limited to where the transactions of such WorldFirst customer were reversed or refunded), WorldFirst has the right to disqualify such WorldFirst customer and shall not be liable to any such WorldFirst customer. WorldFirst further reserves the right to claw back the Cashback Reward or to deduct the value of the Cashback Reward from the WorldFirst customer’s World Account(s).

5. Further Terms

   5.1 WorldFirst reserves the right to, in its sole discretion, determine and/or decide all matters relating to or arising in connection with the Promotion and/or these Terms and Conditions without prior notice. Any such determination and/or decision will be final and binding.

   5.2 To the extent permitted by applicable law, WorldFirst reserves the right to amend the terms of the Promotion, and/or to suspend or cancel the Promotion at any time, without liability to any party. WorldFirst also reserves the right to extend the Promotion Period in its discretion and these Terms and Conditions shall apply to any such extended Promotion Period. Any amendments to the Promotion will be published on the Promotion webpage and/or notified to users in an appropriate manner. Following any change or amendment to these Terms and Conditions, your continued participation in the Promotion constitutes your acceptance of the amended Terms and Conditions and the Promotion in force at that time.

   5.3 The FX rate that WorldFirst provides for transactions must comply with applicable laws and regulations.

   5.4 Each opening of a World Account and each funds-in or FX transaction is subject to WorldFirst’s standard compliance and due diligence requirements.

   5.5 Each participant warrants that:

       5.5.1 it is legally able to participate in the Promotion according to the laws and regulations applicable to it;

       5.5.2 to the best of its knowledge, all information disclosed by it to WorldFirst is complete, true and accurate;

       5.5.3 it consents to participate in the Promotion in the capacity of participant and consents to the use and sharing of its personal data by WorldFirst in accordance with WorldFirst’s Privacy Policy and applicable laws for the purpose of this Promotion; and

       5.5.4 it will not use the Promotion in any way that WorldFirst (in its sole and absolute discretion) considers to be unreasonable, unethical, excessive, or in bad faith; or in any way that breaches any applicable local, national, or international law or regulation, or that is in any way unlawful, fraudulent, or wrongful, or has any unlawful, fraudulent, or wrongful purpose or effect.

   5.6 Persons participating in the Promotion shall bear all expenses arising from and/or in connection with participating in the Promotion.

   5.7 Each participant is limited to a single entry per device, IP address, and/or mobile number. Participation in the Promotion using duplicate device IDs, IP addresses or mobile numbers will be identified and disqualified. Participant must act independently and refrain from colluding with others. Any WorldTrade Sellers and any participant must be distinct and independent persons or entities and shall not be the same natural person or legal entity, nor share the same legal representative, ultimate beneficial owner, or be otherwise affiliated or connected through ownership, management or control. If WorldFirst reasonably suspect participants of acting in concert to abuse or exploit the Promotion, whether associated through common ownership, management or other form of association, all such participants will be disqualified.

   5.8 Severability: Any clauses in these Terms and Conditions determined by any court or other competent authority to be unlawful and/or unenforceable will be treated as severed from these Terms and Conditions and will not invalidate other clauses of these Terms and Conditions, which will continue in full effect.

   5.9 Third Party Rights: These Terms and Conditions are made for the benefit of participants of the Promotion, and are not intended to benefit any third party or be enforceable by any third party.

   5.10 WorldFirst reserves the right, at its sole discretion, to refuse a claim in connection with the Cashback Reward if it has reasonable grounds to believe that any of the relevant participants has:

       5.10.1 breached these Terms and Conditions;

       5.10.2 misused WorldFirst’s intellectual property rights including trademarks and/or materials;

       5.10.3 made any misrepresentations (negligently or fraudulently);

       5.10.4 abused the Promotion; and/or

       5.10.5 engaged in any illegal or criminal activity including fraud in connection with the Promotion or any application for WorldFirst services.

   5.11 The World Account Terms shall apply to existing WorldFirst customers and are to be read together with these Terms and Conditions. Please refer to the World Account Terms for further information. In the event of any conflict or inconsistency between these Terms and Conditions and any of the World Account Terms, these Terms and Conditions shall prevail only to the extent of matters relating to the Promotion. In the event of any conflict or inconsistency between these Terms and Conditions and any terms set out in any marketing materials prepared for the Promotion, these Terms and Conditions shall prevail. While all information provided herein is believed to be correct and reliable at the time of printing or publishing or posting online, WorldFirst makes no representation or warranty, whether express or implied, and accepts no responsibility or liability for its completeness or accuracy.

   5.12 To the fullest extent permitted by applicable law, under no circumstances will WorldFirst or any of its affiliates be liable under any theory of tort, contract, strict liability or other legal or equitable theory for lost profits, indirect, incidental, special, consequential, exemplary, or punitive damages, each of which is excluded by agreement between WorldFirst and you regardless of whether such damages were foreseeable or whether WorldFirst or any person has been advised of the possibility of such damages. Notwithstanding anything in these Terms and Conditions to the contrary, WorldFirst's cumulative liability, including for claims, expenses, damages or indemnity obligations under or in connection with its obligations under these Terms and Conditions, will not exceed USD 500,000. In no event shall WorldFirst, its affiliates, agents, representatives, directors, officers, or employees be liable for any act or omission resulting from circumstances beyond their reasonable control. To the fullest extent permitted by applicable law, you hereby waive any and all rights to bring any claim or action related to this Promotion beyond one (1) year from the first occurrence of the act, event, condition or omission on which such claim or action is based.

   5.13 Governing law and dispute resolution: Any dispute arising out of or in connection with these Terms and Conditions and/or the Promotion, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by arbitration administered by the SIAC in accordance with the Arbitration Rules of the Singapore International Arbitration Centre ("SIAC Rules") for the time being in force, which rules are deemed to be incorporated by reference in this clause. The seat of the arbitration shall be Singapore. The Tribunal shall consist of one arbitrator. The language of the arbitration shall be English.

   5.14 For any questions, please call us on +65 6805 4380. Phone lines are open from 9:00 am to 6:00 pm on Monday to Thursday and 9:00 am to 5:00 pm on Friday (Singapore time) (excluding bank holidays).