“Pay and Earn” Cashback Campaign

Definitions

Eligibility

1. A Participant must maintain his or her UNObank account in good standing, free from suspension, restriction, cancellation, or termination, for the entirety of the Promo Period and up to the date of crediting of the Cashback.
   Participation in this Promo is strictly limited to customers specifically selected and invited by UNObank based on pre-established eligibility criteria determined prior to the launch of the Promo. Invitations are personal, non-transferable, and may not be assigned, shared, or extended to any other person. Participation cannot be obtained through application, registration, request, or purchase, and is limited exclusively to customers who receive a direct invitation from UNObank through its official channels.



Eligibility and Awarding

2. A Participant will earn Cashback of One Peso (₱1.00) for every Bills Payment Transaction successfully made through the UNObank App during the Promo Period, subject to the cap and exclusions below.
3. Cashback under this Promo shall only be earned on the Participant’s first five (5) Bills Payment Transactions made during the Promo Period. The sixth and subsequent Bills Payment Transactions during the Promo Period shall not earn further Cashback.
4. Accordingly, the maximum Cashback that a Participant may earn under this Promo is Five Pesos (₱5.00).
5. Eligible Transactions are successfully posted Bills Payment Transactions made by the Participant through the UNObank App during the Promo Period. The following are NOT eligible to earn Cashback under this Promo: (a) failed, pending, reversed, voided, or disputed bill payments; (b) and any other transaction reasonably determined by UNObank to be ineligible due to fraud, abuse, operational error, regulatory requirements, or circumstances inconsistent with the intent of this Promo.
6. By participating in this Promo, the Participant authorizes UNObank to reverse or debit any Cashback erroneously awarded or subsequently rendered ineligible due to reversal, cancellation, dispute, fraud, or abuse. Cashback Rounding Policy: As the Cashback amount per Eligible Transaction is a fixed One Peso (₱1.00), no rounding is applicable under this Promo.



Fulfillment

7. Cashback shall be credited within sixty (60) calendar days from the end of the Promo Period.
8. Participants must keep their UNObank account open and in good standing up to the date of crediting in order to receive the Cashback.
   
   Taxability: All cashback, rewards, and other benefits earned under this Promo are taxable and shall be credited net of any applicable withholding tax and other government-mandated charges, in accordance with the National Internal Revenue Code of the Philippines, as amended, and other applicable Bangko Sentral ng Pilipinas (“BSP”) and Bureau of Internal Revenue (“BIR”) issuances.



General Policies

9. These Terms and Conditions form an integral part of, and must be read together with, UNObank’s general Terms of Service governing the use of UNObank accounts, the UNObank App, the UNObank Debit Card (where applicable), and other UNObank products and services, as the same may be amended by the Bank from time to time.
10. This Promo may be amended, suspended, or terminated by UNObank at any time, with or without prior notice, subject to applicable laws and regulations.
11. A participating customer (“Participant”) will be disqualified from this Promo if his or her UNObank account, debit card, or other relevant UNObank product or service becomes suspended, restricted, cancelled, or terminated at any time before the crediting of the Cashback.
12. Fraud, abuse, or any attempt to manipulate or circumvent the mechanics, transaction requirements, or eligibility criteria of this Promo shall result in the forfeiture of any earned Cashback and may result in disqualification from this and future UNObank promotions.
13. UNObank reserves the right to disqualify any Participant from further participation in this Promo and to recover, reverse, or cancel any Cashback already credited if, upon reasonable investigation and determination, the Participant has violated these Terms and Conditions and/or the terms and conditions governing the relevant UNObank product or service.
14. Participants whose UNObank account is subject to any restriction, hold, or flag at the time of Cashback crediting shall not be eligible to receive the Cashback unless and until such restriction, hold, or flag is lifted.
15. UNObank reserves the right to modify the eligible transactions, Cashback amount, maximum Cashback, eligibility criteria, and other promo mechanics under this Promo, subject to prior notice to affected Participants. Any such modification shall apply prospectively and shall not adversely affect Cashback already earned prior to the effective date of the modification.
16. Any changes to these Terms and Conditions, the eligible transactions, Cashback amount, maximum Cashback, eligibility criteria, or other promo mechanics shall be communicated to Participants through any of the following official channels: (a) the UNObank mobile application; (b) email, SMS, or push notification; and/or (c) UNObank’s official social media channels and website.
17. It shall be the Participant’s responsibility to regularly check the UNObank App and other official channels for any updates or announcements relating to this Promo. A Participant’s continued participation in or use of UNObank products and services after notice of any amendment shall constitute acceptance of these Terms and Conditions, as amended.
18. This Promo is by invitation only and is not open to the general public; accordingly, a DTI Permit is not applicable. See the Eligibility section above for further detail.



Dispute Resolution and Reservation of Rights

19. All decisions of UNObank relating to the eligibility of Participants, the validity and computation of transactions, and the crediting, reversal, cancellation, or forfeiture of Cashback under this Promo shall be final and binding, subject to applicable law and BSP regulations.
20. Any concern, complaint, question, or dispute relating to this Promo must be raised by the Participant directly with UNObank’s Customer Happiness team through any of the official support channels indicated below. UNObank shall make commercially reasonable efforts to review, investigate, and respond to such concerns in a timely manner.
21. UNObank reserves all rights not expressly granted under these Terms and Conditions, including but not limited to the right to interpret these Terms and Conditions, to determine the eligibility of any Participant or transaction, and to take any action it deems necessary to protect the integrity of this Promo and of UNObank’s products and services.
22. Nothing in these Terms and Conditions shall be construed as a waiver of any right or remedy available to UNObank under its Terms of Service, applicable law, or regulation.

For inquiries, concerns, or disputes, please contact UNObank’s Customer Happiness team:

• Phone (landline): (02) 8811 8866
• Phone (mobile): +63 919 059 9866
• In-app: Chat with us through the UNObank mobile application