Terms & Conditions

1. The Campaign

1.1 The Air Purifier Giveaway (the "Campaign") is a promotional activity run by NORFH PTE LTD ("NORFH", "Five Cents", "we", "us", "our").

1.2 The Campaign invites eligible participants to book a complimentary 60 minute financial wellness review (the "Review") conducted by an appointed representative of Alpha Wealth Financial Advisers Pte. Ltd.

1.3 Participation is free. No purchase is required at any point.

2. Eligibility

2.1 To participate, you must:

• Be a Singapore Citizen or Permanent Resident;
• Be aged between 25 and 60 (inclusive) at the time of entry;
• Be residing or employed in Singapore; and
• Provide valid personal contact information.

2.2 The following persons are not eligible to participate:

• Employees, directors, and immediate family members of NORFH PTE LTD;
• Employees, directors, and immediate family members of the participating adviser team at Alpha Wealth Financial Advisers Pte. Ltd.;
• Existing clients of the participating adviser team; and
• Any person whose participation would, in the reasonable opinion of NORFH, be inconsistent with the spirit of the Campaign.

2.3 NORFH reserves the right to verify eligibility and to disqualify any entry that does not meet these criteria.

3. The Gift

3.1 There is no draw and no grand prize. Every participant who attends and completes the Review will receive one (1) air purifier as a thank you.

3.2 The gift is subject to the following:

• The gift is limited to the first 50 completed Reviews;
• One gift per household;
• The Review must be attended and completed;
• Delivery to a Singapore address within 2 to 4 weeks of attending the Review; and
• Existing clients of the participating adviser team are not eligible.

3.3 Once 50 gifts have been allocated, NORFH may end the gift offer at any time without notice.

3.4 The make and model of the air purifier are chosen by NORFH. The gift is non transferable, non exchangeable, and cannot be redeemed for cash. NORFH may substitute an item of equal or greater value where the stated item becomes unavailable.

4. The Review

4.1 The Review lasts approximately 60 minutes and may be conducted in person or virtually, by mutual arrangement.

4.2 The Review is complimentary. No financial product is sold during the Review.

4.3 NORFH is not permitted to provide financial advice or product recommendations. Any advice given during the Review is provided solely by the appointed representative of Alpha Wealth Financial Advisers Pte. Ltd.

4.4 Participants are under no obligation to purchase anything, then or later.

4.5 Submitting the registration form does not guarantee that you will be contacted or offered an appointment for the Review. Appointments are arranged by the appointed representative of Alpha Wealth Financial Advisers Pte. Ltd. at their discretion, subject to their availability and the eligibility criteria in these terms. The air purifier gift is given only to participants who attend and complete the Review, while stocks last. NORFH is not responsible for missed calls or messages. If you registered and have not been contacted, you may write to hello@norfh.com.

5. Personal Data

5.1 By entering, you consent to NORFH collecting, using, and disclosing your personal data for the purposes of administering the Campaign, arranging the Review, and contacting you by phone, SMS, WhatsApp, or email.

5.2 Your details will be shared with Alpha Wealth Financial Advisers Pte. Ltd. for the sole purpose of arranging and conducting the Review.

5.3 Full details of how we handle personal data are set out in our Privacy Policy.

6. General

6.1 NORFH may amend, suspend, or end the Campaign at any time where reasonably necessary, without liability to participants.

6.2 NORFH's decisions on all matters relating to the Campaign are final and no correspondence will be entered into.

6.3 These T&Cs are governed by the laws of Singapore and subject to the exclusive jurisdiction of the Singapore courts.

6.4 Questions about the Campaign may be sent to hello@norfh.com.

Data Protection Officer: See Seng Yang, hello@norfh.com.