T&C – CTOS Golden Credit Check Campaign 2026

Terms & Conditions

CTOS Golden Credit Check

Terms and Conditions

  1. This CTOS Golden Credit Check (“Promotion”) is organized by TNG Digital Sdn Bhd (“TNGD”) in collaboration with CTOS Data Systems Sdn Bhd (“CTOS”).
  2. The Promotion period shall commence from 9 March 2026 to 8 May 2026, both dates inclusive (“Campaign Period”). CTOS and/or TNGD reserves the right to terminate the Campaign by giving FIVE (5) business days prior notice, which shall be published on CTOS and TNGD website or application.
  3. Entry:
    This Promotion is open to all Touch ‘n Go eWallet (“TNG eWallet”) users (“Users”).
  4. Eligibility:
    In order to be eligible for this Campaign and have a chance to win the Prize(s), Users must earn entries by completing one (1) or more of the following actions during the Campaign Period, on the CTOS Mini Program within the TNG eWallet:
No. Action Number of Entries
(i) Existing users who purchase any of the following credit reports:

·          MyCTOS Score Report (Single Report)

·          MyCTOS Score Reports (Yearly Bundle)

·          CTOS Business LitE Report

 1
(ii) New users who purchase any of the following credit reports:

·          MyCTOS Score Report (Single Report)

·          MyCTOS Score Reports (Yearly Bundle)

·          CTOS Business LitE Report

 5

 

  1. Prizes:
    The prizes available for eligible Winner(s) (as defined below) are, as follows:
Prize Number of Winners
1 Gram of Touch ‘n Go eWallet e-Mas (Digital Gold) 15

 

(hereinafter, the above prizes are individually or collectively referred to as “Prize(s)”, as the context may so requires).

  1. Winner(s) Selection and Announcement:
    • Users will be randomly selected from the list of Eligible Participant(s) who have fulfilled the requirements as set out in paragraph 4 above through a computerised randomiser, at the end of the Campaign Period (“Winner(s)”).
    • The selected Winner(s) will be contacted via email by TNGD. To claim the Prize(s), the selected Winner(s) must first correctly answer one (1) question and follow the instructions provided in the email. Failure to do so within the stipulated timeline will result in forfeiture of the Winner(s)’ eligibility.
    • The Winner(s) must provide proof of identification and contact details to TNGD via email for Prize(s)’ arrangements.
    • The fulfilment period for the Prize(s) is within three (3) months from the date the Winner(s) is successfully contacted.
    • The Winners must have an active e-Mas account on the TNG eWallet App or open an e-Mas account within fifteen (15) days from the date of the announcement. If the Winner does not have an active e-Mas account or closes their e-Mas account prior to the prize fulfilment, the Winner shall not be entitled to the Prize.
    • This Campaign shall be valid with other ongoing promotions, discounts, or vouchers.
    • Each Eligible Participant(s) is only entitled to win a maximum of one (1) Prize(s) for this Campaign.
  1. Entries that violate any of the rules set forth in this terms and conditions, infringe upon any copyright or intellectual property rights, or contain content that is defamatory, offensive, or otherwise degrading, will be immediately disqualified at the sole discretion of CTOS and/or TNGD. CTOS and/or TNGD reserves the right to remove and disqualify any entry that is deemed inappropriate, harmful, or in breach of these terms.
  2. All Prize(s) are non-transferable to another individual and non-negotiable. No request for replacement and/or exchange of Prize(s) will be entertained. None of the Prizes may be exchangeable for cash.
  3. The selection of the Winner(s) shall be final and binding, and no queries, challenges or appeals with regards to the selection of Winner(s) will be entertained.
  4. TNGD or CTOS will not be responsible for any disputes or claims that arise from the Winner(s)’ failure to receive the necessary email or Prize(s) from TNGD or CTOS which may have been due to the fault or negligence of the Winner(s), including but not limited to providing TNGD or CTOS with incorrect personal details.
  5. By participating in this Campaign, all User(s): –
  • Consent for TNGD to collect, record, hold, store, use, and disclose your personal information for purposes which are necessary or related to the participation in this Campaign;
  • Consent for TNGD to disclose your personal information to CTOS;
  • Consent for TNGD to disclose or publish your personal information such as your names, last 4 digits of the IC number and any general information in any media, marketing, or advertising materials; and
  • Grant TNGD the right to modify, use and publish any still or moving images of the participants for any promotional, marketing, commercial, or other related purposes, without any payment or compensation.
  1. TNGD and CTOS employees are not eligible to participate in this Campaign.
  2. TNGD / CTOS shall be entitled to withhold any benefits under the Campaign if a user is found to have been in breach of any TNG Digital’s Users Terms and Conditions which can be found at https://www.touchngo.com.my/assets/pdf/user-tnc.pdf
  3. This Terms and Conditions shall be further subject to The General Campaign Terms and Conditions which can be found at https://www.touchngo.com.my/terms-conditions/general-campaign-terms-and-conditions.
  4. Please visit https://www.touchngo.com.my for more information or inquiries.