“Swipe & Save” Cashback Campaign

Definitions

Eligibility

Note on Eligibility: This Promo is by invitation only. Only customers of UNObank, Inc. (“UNObank” or the “Bank”) who receive a campaign notification or invitation via email, SMS/text message, and/or push notification through the UNObank mobile application (“UNObank App”) are eligible to participate in this Promo. While UNObank operates nationwide across the Philippines, this Promo is NOT open to the general public and is exclusively available to select, invited customers who satisfy the eligibility criteria set by UNObank for this Promo. Customers who do not receive such notification are not eligible to participate, regardless of their account status, location, or product holdings.

1. A Participant must maintain his or her UNObank account and Card 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.

Eligibility and Awarding

A Participant will earn Cashback equivalent to one percent (1.0%) of the final posted transaction amount for each Eligible Transaction made using the Card during the Promo Period, subject to the categories, caps, and exclusions set out below.



Category	Included Merchant Category Codes (MCC)
Groceries	5411 (Supermarkets/Groceries) and 5499 (Miscellaneous Food Stores)
Dining	5812 (Restaurants/Bistros), 5814 (Fast Food/Quick Service Restaurants), and 5813 (Bars/Lounges)
Drugstores	5912 (Drug Stores and Pharmacies)

2. Eligible Transactions are local or international point-of-sale and online purchases made using the Card with a merchant classified under any of the Eligible Merchant Categories above.
3. Cashback shall only be earned on the first Ten Thousand Pesos (₱10,000.00) in cumulative spend per Participant across all Eligible Merchant Categories combined during the Promo Period. Spend in excess of ₱10,000.00 shall not earn further Cashback.
4. The maximum Cashback that a Participant may earn under this Promo is One Hundred Pesos (₱100.00), computed as 1.0% of the ₱10,000.00 spend cap.
5. Cashback shall be computed on a per-transaction basis based on the final posted transaction amount, using the following formula: Final Posted Amount of Purchase (in PHP) × 1.0% = Cashback Reward.
6. Cashback Rounding Policy: If the calculated Cashback amount is ₱0.004 and below, no Cashback will be credited. If the calculated Cashback amount is ₱0.005 and above, it will be rounded up to the nearest centavo (₱0.01).
7. The following transactions are NOT eligible to earn Cashback under this Promo, even if made with a merchant under an Eligible Merchant Category: (a) cash advances, fund transfers, bills payment, or any quasi-cash transaction; (b) fees and charges; (c) refunded, reversed, voided, or disputed transactions; (d) any unauthorized or fraudulent transaction; and (e) any other similar transaction determined by UNObank, Inc.
8. Participant authorizes UNObank to debit the linked account for any cashback erroneously awarded or subsequently rendered ineligible.
9. UNObank reserves the right to modify the eligible transactions, merchant categories, reward percentage, reward amount, and maximum reward available under this Promo, subject to prior notice to affected Participants. Any such changes shall apply only on a prospective basis.



Fulfillment

10. Cashback shall be credited within sixty (60) calendar days from the end of the Promo Period.
11. Cashback shall be credited manually to the Participant’s linked UNObank account, following validation by UNObank’s Data Analytics team and confirmation of the final list of qualified Participants.
12. 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

13. 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.
14. This Promo may be amended, suspended, or terminated by UNObank at any time, with or without prior notice, subject to applicable laws and regulations.
15. 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 reward.
16. Fraud, abuse, or any attempt to manipulate or circumvent the mechanics, spend requirements, or eligibility criteria of this Promo shall result in the forfeiture of any earned reward and may result in disqualification from this and future UNObank promotions.
17. UNObank reserves the right to disqualify any Participant from further participation in this Promo and to claw back, recover, or reverse any reward already credited if UNObank reasonably determines, following appropriate review, that the Participant has breached these Terms and Conditions, the terms and conditions governing the relevant UNObank product or service, or has engaged in fraud, abuse, or conduct inconsistent with the intent of this Promo.
18. UNObank accounts that have any active restriction, hold, or flag at the time of crediting are disqualified from receiving the reward under this Promo until such restriction is lifted.
19. UNObank reserves the right to modify the eligible transactions, merchant categories, reward percentage, reward amount, and maximum reward available under this Promo, subject to prior notice to affected Participants. Any such changes shall apply only on a prospective basis.
20. Any changes to these Terms and Conditions, the eligible transactions, the reward computation, or the maximum reward amount 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.
21. 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.
22. 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

23. All decisions of UNObank relating to the eligibility of Participants, the validity and computation of transactions, and the crediting, withholding, reversal, or forfeiture of rewards under this Promo shall be final and binding, subject to applicable law and BSP regulations.
24. 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.
25. 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.
26. 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