2025 Principal Unit Trust Retire with Purpose Special Reward (“Campaign”)

Terms & Conditions

2025 Principal Unit Trust Retire with Purpose Special Reward (“Campaign”) Terms & Conditions

  1. The Campaign is organised by TNG Digital Sdn Bhd (201701042478) (“TNG Digital”) and Principal Asset Management Berhad (199401018399 (304078-K) (“Principal”).
  1. The Campaign begins on 5th November 2025 and ends on 31st December 2025, both dates inclusive (“Campaign Period”).

Eligibility

  1. The Campaign is open to all new users who perform a Cash In into their Principal – Retire feature account during the Campaign Period (“Eligible Participant”). 
  1. Eligible Participants can Cash In into any one (1) of the following products:
    1. Principal RetireEasy
    2. Principal Islamic RetireEasy

(“Eligible Product”). 

  1. Eligible Participants will be entitled to the Rewards as set out in the Campaign Rewards and Mechanics below (“Campaign Rewards”). 

Campaign Rewards and Mechanics 

  1. Subject to the terms and conditions stated herein, the Eligible Participants who satisfy the conditions stated in Clause 3, 4 and 7 will be entitled to a RM30.00 Cashback Reward (“Special Reward”). 
  1. To be eligible for the Special Reward, the Eligible Participants are required to fulfil all the following requirements:
    1. Has never performed any cash in into the Principal – Retire feature account. For avoidance of doubt, Eligible Participants who already have an existing Principal – Retire feature account and have performed a cash in into their Principal – Retire feature account before the Campaign Period shall not be entitled to the Special Reward, i.e. on or before 4th November 2025, 12:00 AM.
    2. Must key in a valid promo code (as provided either through an email invitation by Principal and/or its media marketing initiatives, “Special Promo Code”) in the promo code field of Principal – Retire feature account whenever a single cash in is performed within the Campaign Period.
    3. Must perform a cash in and maintain a minimum NCF of RM3,000 during the Campaign Period in the Eligible Participant’s Principal – Retire account last recorded as at the last day of the Campaign Period, i.e. 31st December 2025 11.59 PM. 
    4. Must maintain the subscription in their Principal – Retire feature account for a holding period of thirty (30) days from the last day of the Campaign Period, i.e. from 1st January 2026, 12:00 AM to 30th January 2026, 11.59pm (“Post Campaign Period”). The Eligible Participant shall not be entitled to the Campaign Rewards if any redemption is performed during the Post Campaign Period.

Other Campaign Terms and Conditions

  1. Each Eligible Participant who fulfils all the criteria stated herein is entitled to earn the Special Reward, capped at RM30 per Eligible Participant.
  1. The Campaign Reward will be in the form of cash back into the Eligible Participant’s TNG e-wallet account and shall be distributed to the Eligible Participants respectively within 60 days after Post Campaign Period (“Reward Distribution Date”), i.e. by 31st March 2026.
  1. Principal shall not be liable for any losses, damages, or costs incurred or suffered by any Eligible Participant as a result of participating in this Campaign. Further shall not be liable for any default of this obligation under the Campaign due to any force majeure event which includes not limited to act of God, war, riot, lockout, industrial action, fire, flood, drought, storm or any event beyond reasonable control of Principal.
  1. Principal will not assume any responsibility and liability for the Reward and Principal excludes and disclaims any representation, warranties or endorsement, implied or express, written or oral, of the Reward offered under this Campaign, including but not limited to any warranty of quality, merchantability, fitness for a particular purpose or use, health and safety. The Reward is offered solely by Touch ‘n Go, under such terms and conditions as may be determined by Touch ‘n Go. Any dispute arising or in connection with the Reward offered by Touch ‘n Go shall be resolved by the Eligible Participant directly with Touch ‘n Go.
  1. Principal reserves the absolute right to substitute the Rewards with any other item(s) of similar value at its discretion. Any further correspondence will not be entertained.
  1. Principal will not be held liable in the event the Reward fulfilments are not completed due to incorrect email address provided by the Eligible Participant.
  1. Principal shall not be liable for any losses, damages, or costs incurred or suffered by any Eligible Participant as a result of participating in this Campaign. Further shall not be liable for any default of this obligation under the Campaign due to any force majeure event which includes not limited to act of God, war, riot, lockout, industrial action, fire, flood, drought, storm or any event beyond reasonable control of Principal.
  1. If the Eligible Participant closes their TNG eWallet account or Principal – Retire feature account or exercises their right to cooling off prior to the Reward Distribution Date, the Eligible Participant shall be automatically disqualified from this Campaign and shall not be entitled to the Campaign Reward.
  1. For the avoidance of any doubt, Eligible Participant will not be entitled to the Campaign Reward, if the Amount Capped as defined below is fully allocated or utilized.
  1. Eligible Participants are entitled to participate concurrently in other promotions or campaigns organised by Principal or TNGD during the Campaign Period.
  1. By participating in this Campaign, Users agree to allow TNGD and Principal the right to use names, private details and photographs of the Users and/or Winners, for marketing, advertising and publicity purposes, in accordance with applicable laws without any cost or compensation.
  1. All Winners shall be personally liable for all taxes, rates, government fees or any other charges that may be levied against them under the applicable laws in relation to the prizes and this Campaign.
  1. TNGD shall be entitled to withhold any benefits pursuant to this Campaign, with prior notice to the Users if the Users are found to have been in breach of any TNGD’s Users Terms and Conditions which can be found at https://www.touchngo.com.my/assets/pdf/user-tnc.pdf 
  1. TNGD and Principal reserve the right, at any time, to alter, shorten, cancel, suspend or terminate this Campaign earlier in whole or in part, or to vary, delete, or add any Terms and Conditions herein anytime by giving written notice through the TNGD and Principal websites or social media platforms owned by TNGD and Principal, respectively. 
  1. TNGD and Principal reserve the right to disqualify/reject any Users who do not comply with these terms and conditions stated herein and/or are found or suspected to be tampering with this Campaign and/or its process or the operations of this Campaign. Tampering shall include fraudulent activities involving any act of deceit and/or deception and/or cheating with regards to this Campaign. 
  1. TNGD and Principal shall not be responsible or liable for any losses howsoever arising or suffered by the Users whether arising directly or indirectly from the Users’ participation in this Campaign or otherwise. 
  1. These Terms and Conditions shall be further subject to the TNGD’s General Terms and Conditions which can be found at https://www.touchngo.com.my/terms-conditions/general-campaign-terms-and-conditions/. 
  1. These Terms and Conditions shall be governed by the laws of Malaysia.
  1. In the event of any inconsistencies, discrepancies or conflicts between the English version and the Bahasa Malaysia version of these Terms and Conditions, the English version of these Terms and Conditions shall prevail. 
  1.  Please visit https://www.touchngo.com.my for more information or inquiries relating to this Campaign.
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