Terms and Conditions

1. Organiser

1.1 The NTUC Giveaway (the "Campaign") is organised by NORFH PTE LTD (UEN: 202616626E), operating the brand Five Cents, with its registered address at 95C Circuit Road, Singapore 373095 (the "Organiser").

1.2 The complimentary financial review offered under this Campaign is conducted by an appointed representative of Alpha Wealth Financial Advisers Pte. Ltd. (MAS Reg. No. 200606266H) ("AWFA"), the Organiser's financial advisory partner.

1.3 The Organiser acts as an introducer under Regulation 31 of the Financial Advisers Regulations. The Organiser is not a licensed or exempt financial adviser, does not provide any financial advisory service, and does not and cannot make any recommendation on any investment product. The Organiser may be remunerated by AWFA for each referral.

1.4 NTUC FairPrice Co-operative Ltd is not a sponsor of, nor affiliated with, this Campaign. All vouchers are purchased, supplied and fulfilled by the Organiser.

2. Campaign period

2.1 The Campaign opens on 3 September 2026 and registrations close at 2359 hours (SGT) on 31 October 2026.

2.2 The Grand Prize draw will be conducted within seven days of the close of registrations, on or before 7 November 2026. The date and time of the draw will be published on the Five Cents Instagram account (@fivecents.co) and on this page in advance.

2.3 To qualify for the Attendance Voucher, a Participant's financial review must be completed on or before 30 November 2026. Reviews completed after this date do not qualify.

2.4 The Organiser may extend, shorten, suspend or withdraw the Campaign at any time without prior notice, subject to clause 10.3.

3. Eligibility

3.1 Participants must, at the time of registration: (a) be a Singapore Citizen or Singapore Permanent Resident; (b) be aged 25 to 65 years old; (c) hold a valid Singapore mobile number and email address; and (d) not be an existing client of AWFA.

3.2 The following persons are not eligible: employees, directors, representatives and immediate family members of the Organiser and of AWFA.

3.3 One registration per person. One entry into the Grand Prize draw per person. One Attendance Voucher per person and per household. Duplicate or multiple registrations from the same person, household, email address, mobile number or NRIC will be disqualified.

3.4 The Organiser reserves the right to verify eligibility and to disqualify any registration that does not meet these criteria, at its sole discretion.

4. The Grand Prize

4.1 One (1) Grand Prize of a S$100 NTUC FairPrice voucher will be awarded to one winner (the "Grand Prize").

4.2 Entry into the Grand Prize draw is by submission of a complete and valid registration form during the Campaign period. No purchase, payment, attendance, or any other action is required to enter the draw.

4.3 The Grand Prize is not conditional on attending the financial review, on purchasing any product or service, or on any product decision of any kind.

4.4 The Grand Prize is non transferable, not exchangeable for cash, and cannot be exchanged for any other item.

5. The Attendance Voucher

5.1 Each qualifying Participant who attends and completes a financial review receives one (1) S$10 NTUC FairPrice voucher (the "Attendance Voucher").

5.2 A limited quantity of 50 Attendance Vouchers has been allocated to this Campaign. Attendance Vouchers are allocated on a first come first served basis, while stocks last. Once the allocated quantity is exhausted, no further Attendance Vouchers will be issued under this Campaign.

5.3 The Attendance Voucher is supplied and fulfilled by the Organiser, not by AWFA.

5.4 The Attendance Voucher is not offered by AWFA and is not conditional on the purchase of, application for, or eligibility for any financial product or service. No purchase of any product is required at any stage of this Campaign.

5.5 A review is treated as completed when the AWFA representative confirms to the Organiser that the Participant attended the full session. Sessions ended early at the Participant's request, no shows, and sessions that do not proceed do not qualify.

5.6 A Participant who purchases nothing receives the Attendance Voucher on exactly the same terms as a Participant who purchases something.

5.7 The Attendance Voucher is non transferable and not exchangeable for cash.

6. The draw

6.1 The Grand Prize winner will be selected at random from all valid registrations using Wheel of Names (wheelofnames.com). All valid entries will be loaded into the wheel and the selection will be visible on screen throughout the live transmission.

6.2 The draw will be conducted by live public transmission via Google Meet at meet.google.com/rvh-wyia-anu. This join link is publicly accessible and is published here in advance of the draw. Members of the public may join and observe the draw.

6.3 The winner will be notified by email and by the contact number provided in their registration, within seven days of the draw.

6.4 The winner's full name will be announced on the Five Cents Instagram account and website, in accordance with clause 6.6.

6.5 If the winner cannot be contacted within fourteen days of the draw, or is found to be ineligible, the Organiser reserves the right to redraw.

6.6 By entering the Campaign, the Participant consents to their full name being published on the Five Cents Instagram account and website if they win the draw.

7. Delivery of vouchers

7.1 All vouchers under this Campaign are issued digitally and delivered by email or WhatsApp to the contact details provided at registration. No physical delivery is made and no delivery address is collected.

7.2 The Grand Prize will be sent within fourteen days of the winner being confirmed.

7.3 Attendance Vouchers will be sent within fourteen days of the Organiser receiving confirmation that the review was completed.

7.4 The Organiser is not responsible for vouchers that cannot be delivered due to incorrect contact details supplied by the Participant.

8. The financial review

8.1 The financial review is provided at no cost to the Participant and carries no obligation to purchase any product or service.

8.2 The review is conducted by an appointed representative of AWFA, who is licensed to provide financial advisory services in Singapore. The Organiser does not participate in, and has no visibility of, the content of the review.

8.3 No financial product will be sold or transacted during the review session itself.

8.4 Any product, application or transaction that a Participant subsequently chooses to enter into with AWFA is a separate matter governed by AWFA's own terms, disclosures and documentation, and is entirely at the Participant's discretion.

8.5 Participants may decline further contact from the adviser at any time.

9. Personal data

9.1 By registering, the Participant consents to the Organiser collecting, using and disclosing their personal data for the purposes of administering this Campaign, conducting the draw, arranging the financial review, and issuing the vouchers.

9.2 The Organiser will disclose the Participant's personal data to one appointed representative of AWFA only, for the purpose of arranging and conducting the review. Personal data is not sold or disclosed to any other third party.

9.3 Participants consent to being contacted by telephone, SMS, WhatsApp and email in connection with this Campaign, including where their number is listed on the Do Not Call Registry, for the purposes stated in clause 9.1.

9.4 Publication of the winner's full name is governed by clause 6.6.

9.5 Participants may withdraw consent at any time by writing to hello@norfh.com. Withdrawal of consent before the draw or before the review is completed will end participation in the Campaign.

9.6 The Organiser's handling of personal data is governed by the Personal Data Protection Act 2012 and by the Five Cents Privacy Policy.

10. General

10.1 The Organiser's decision on all matters relating to this Campaign is final. No correspondence will be entered into.

10.2 The Organiser reserves the right to disqualify any Participant who, in its reasonable opinion, has provided false information, attempted to circumvent these terms, or acted in bad faith.

10.3 The Organiser may amend these terms at any time. Material changes will be published on this page. Participants who have already had an appointment confirmed at the time of a change will be honoured under the terms in force at the time of confirmation.

10.4 These terms are governed by the laws of Singapore and subject to the exclusive jurisdiction of the Singapore courts.

11. Contact

11.1 Questions about this Campaign may be sent to hello@norfh.com.

11.2 NORFH PTE LTD, 95C Circuit Road, Singapore 373095.