(1) “PSPL” refers to Phillip Securities Pte Ltd
(2) “PIC” refers to Phillip Investor Centre, a department under PSPL
(3) “Participating Branches” refers to the selected Phillip Investor Centre for this Campaign
(4) Promotion Period will end at the respective branches at the end of operation hours of the branch on 10 February 2026
(5) “Eligible Customer” refers to new and existing customers who can participate in the Hooves of Fortune Campaign
(5.1) Customers must be at least 18 years of age.
(6) “Non-Eligible Customer” refers to customers who do not qualify for the Promotion unless approved by the management of PSPL.
(5.1) All employees (e.g. staff, trading representatives, financial adviser representatives of PhillipCapital group of companies, its related entities, and their immediate family members (e.g. spouse and children)
(7) “Qualifying Customer” refers to Eligible Customers who complete the criteria (11) or (12)
(8) “Campaign Period” refers to the period from 1 January 2026 till 30 January 2026, both dates inclusive.
(9) Customers due to receive PMMF credits from qualifying purchases must have an eligible account to receive the PMMF value. If no eligible account is available, the Reward will be forfeited after 30 days.
(10) Customers who withdraw their purchase within the free-look period[40.1] will forfeit their eligibility for the guaranteed Reward, and their winning ticket will be disqualified from the campaign.
(11) “Hooves of Fortune Campaign” refers to the campaign that eligible customers will participate to get incentives and also stand a chance to earn Rewards when they fulfil the criteria table below.
(12) “Qualifying Purchase” refers to products and services that qualifies the eligible customer to redeem a guaranteed Reward in the Phillip Hooves of Fortune Campaign.

The first 20 qualifying customers are eligible to receive an additional S$50 E-Voucher.
(13) Qualifying Customers with Qualifying Purchases eligible to redeem the Guaranteed Reward will be notified on 16 February 2026 and contacted via the email address provided in the POEMS Advisory Account.
(14) Rewards are to be redeemed at Phillip Investor Centre @ Raffles City Tower, between 0900hrs – 1800hrs within 14 days from date of the Notification Email or Call
(15) Rewards not redeemed within 14 days of receiving the notification email or call for collection, may be forfeited, withdrawn, or awarded to a reserve participant at the sole discretion of Phillip Investor Centre.
(16) PSPL reserves the right to vary the terms and conditions or withdraw this Hooves of Fortune at any time without prior notice. The Reward is not exchangeable for cash or for any other items.
(17) PSPL reserves the right to use any other method or medium at its sole and absolute discretion for the purpose of announcing the winners of the Hooves of Fortune Campaign.
(18) PSPL shall not be liable for any incomplete, lost, late, damaged, illegible or misdirected Entries for any reason whatsoever or problems or technical malfunction of, computer online systems, servers, providers or technical problems, or any combination thereof.
(19) PSPL makes no representation as to the quality or performance of the Rewards provided by the merchants. By participating in the Hooves of Fortune Campaign, the Participants acknowledge and accept that the use of each Reward is subject to the terms and conditions of the relevant merchant providing the Reward.
(20) PSPL decisions in all matters related to the Rewards and Reward winners shall be final. No correspondence or appeals shall be entertained in relation thereto.
(21) In the event of any inconsistency between these terms and conditions and other marketing or promotional materials, these terms and conditions shall prevail.
(22) By participating in the Hooves of Fortune Campaign, Participants hereby agree to all the terms and conditions of participation in the campaign as set out herein, including all amendments, additions, replacements and modifications hereto as may from time to time be made by PSPL.
(23) By participating in the Hooves of Fortune Campaign, the Participant represents and warrants for the benefit of PSPL that the information submitted in each Entry to PSPL is true, accurate, complete and up to date.
(24) By participating in the Hooves of Fortune Campaign, the winners understand that any changes made to the product purchased after the campaign entry may affect Reward eligibility and they will be automatically disqualified from Reward eligibility if:
– They downgrade or change the product to one of lower value or a different category that does not meet the original qualifying criteria.
– They cancel or replace the product with one that fails to fulfill the minimum requirements of the campaign, as stated at the time of participation.
– They substitute with a product of a shorter coverage period or lesser value than the originally purchased product.
(25) By participating in the Hooves of Fortune Campaign, the winners must not have withdrawn their marketing consent to PSPL at the point of collection of the Reward. Doing so will result in the winner(s) being disqualified from the Bingo Reward and their Guaranteed Reward forfeited.
(26) Participants may be contacted via their registered email address where participants will be required to provide further information including but not limited to their photograph or a video of themselves and personal details for the purposes of verification of age, identity and their status as a POEMS Account holder.
(27) The judging and determination of the eligibility of any person to participate in the Campaign and selection of winners shall be at the sole and absolute discretion of PSPL. The decisions of PSPL on all matters relating to this Campaign are final, conclusive and binding. PSPL shall not be obliged to give any reason or prior notice or enter into any correspondence with any person on any matter concerning this Campaign or its decisions and no appeal, correspondence or demands or claims will be entertained.
(28) All details and particulars submitted by Participants must be accurate, true and complete. Incomplete, inaccurate and illegible Entries will be disqualified. If PSPL subsequently determines that a person is in fact not eligible, or if a Reward Winner does not fulfil his or her obligations for any reason whatsoever, PSPL may at its discretion, disqualify the Participant and clawback/cancel any or all of the Rewards without prior notice.
(29) All Qualifying Customers will be informed via their registered email on 1 March 2025, where they will be provided details on the Hooves of Fortune redemption. In the event that the Qualifying Customers do not respond by the date stated in the email or redeem the Reward by the stated expiry date, the Reward will be forfeited. Participants who are not shortlisted as Qualifying Customers will not be informed.
(30) PSPL may replace, modify or withdraw the Rewards at any time without notice or liability. Rewards are not transferable and cannot be substituted with any other Reward.
(31) PSPL makes no representation as to the quality or performance of the Rewards provided by the merchants/vendors in connection with the Campaign. The Participants acknowledge and accept that use of the Rewards may be further subject to the terms and conditions of the relevant merchant providing the Rewards.
(32) Participants hereby assign to PSPL, all rights, title and interest in all intellectual property rights created during the registration and documentation process and to fully disclaim and waive all intellectual property rights and moral rights. If necessary, Participants shall execute all further documents and deeds necessary to effect, perfect, record or register such assignment at the Participant’s own cost.
(33) PSPL is the sole owner of any and all intellectual property arising from submission of an Entry and creation Hooves of Fortune Campaign Content and it may use and license others to use the Entry content and Hooves of Fortune Campaign in which Winners appear, in any and all media by any manner or means whether or not now known or invented, used or contemplated, throughout the world, for an unlimited number of times in perpetuity without any further payment made to Winners.
(34) PSPL may request a valid identification of NRIC number/passport number of any Winner before the Reward is awarded.
(35) PSPL reserves the right to forfeit any Rewards for any Winner who does not adhere to the terms and conditions of the Hooves of Fortune Campaign upon the Reward collection.
(36) PSPL reserves the right to cancel, modify, suspend or delay the Hooves of Fortune Campaign at its sole discretion.
(37) PSPL has the right to use the names, photographs, videos and/or other submission materials of the participants and all other entries for publicity purposes without any prior notice to you. The participants shall not be entitled to claim ownership or other forms of compensation for the materials.
(38) PSPL reserves the right to change, amend, delete or add to these Terms and Conditions without prior notice at any time and the participants shall be bound by such changes.
(39) By participating in the promotion, each eligible customer is deemed to have accepted and agreed that PSPL may collect, use and disclose your personal data for the purpose of this promotions in accordance with the Personal Data Protection Act 2012 and our data protection policy.
(40) By participating in the Hooves of Fortune Campaign, Participants hereby agree to all the terms and conditions of participating in the Campaign as set out herein, including but not limited to the eligibility criteria, Rewards, the collection, use and transfer of personal data by PSPL, in accordance with the relevant PSPL Privacy Statement and all amendments, additions, replacements and modifications hereto as may from time to time be made by PSPL.

i. By participating in the Promotion, each Eligible Customer is deemed to have accepted and agreed to be bound by these terms and conditions and any other instructions, terms and conditions that PSPL may issue from time to time.
ii. PSPL assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms or email communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, distorted or delayed electronic transmission which may limit an Eligible Customer’s ability to participate in the Promotion.
iii. PSPL has the sole and absolute discretion to exclude any Eligible Customers from participating in the Promotion without any obligation to furnish notice and/or reason.
iv. PSPL reserves the right to disqualify or disregard any Eligible Customer who does not comply with the terms and conditions.
v. PSPL may at its discretion forfeit the Promotion, or, if already awarded, reclaim the Promotion at the expense of the Eligible Customer without payment, compensation, or having to give any reason whatsoever in the event PSPL subsequently discovers that the Eligible Customer is not eligible to participate in the Promotion and/or to receive the Promotion.
vi. PSPL reserves the right to replace any Promotion with items of similar value at any time without prior notice.
vii. PSPL shall not be liable for any loss of, damage to, defects, delay, mis-delivery or non-delivery of the Promotion.
viii. PSPL reserves the right to deal with any unclaimed Promotion in any manner it deems fit.
ix. PSPL reserves the right to request for the Eligible Customers’ proof of eligibility, identity and/or otherwise for the purposes of verifying the Eligible Customers’ claim to the Promotion at the time of collection.
x. PSPL is under no obligation whatsoever to disclose the identity of the Eligible Customers or to publish the same for any reason at any point of time.
xi. The Promotion is non-transferable, not exchangeable for cash, credit or any other items of equivalent value.
xii. By participating in this Promotion, each Eligible Customer agrees and consents to the collection, use and disclosure of any and all personal data of the Eligible Customer by PSPL and its advertising and promotional agencies for the purpose of administering and/or publicizing the Promotion, and providing the Eligible Customer with marketing, advertising and promotional information or materials relating to the products and services that PSPL offers.
xiii. PSPL may at any time at its absolute discretion, without prior notice or assigning any reason thereof or being liable to any person,
a. suspend, cancel or terminate the Promotion, or
b. delete, vary, supplement, amend, modify any one or more of the terms and conditions of the Promotion.
xiv. PSPL’s determination of all matters in connection with the Promotion shall be final, binding and conclusive.
xv. PSPL is not obliged to give any reason or prior notice on any matter concerning the Promotion Period or the Promotion. No appeal, correspondence or claims will be entertained. PSPL has the right and discretion to determine whether a party has met the requirements of the Promotion and/or to redeem the Promotion. Eligible Customers shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.
xvi. By participating in the Promotion, all Eligible Customers agree and undertake to, at all times, indemnify, keep indemnified, and hold PSPL, its employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by PSPL‘s negligence), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and Customer or otherwise on a full indemnity basis whether or not incurred in respect of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the Promotion, acceptance or usage of the Promotion, and/or any breach or purported breach of these terms and conditions and/or any applicable law.
xvii. PSPL makes no warranty or representation as to the quality, merchantability or fitness for purpose of the merchants’ goods and services in respect of the Promotion. Any dispute about the same must be resolved directly with the Merchant. The Merchant Terms and Conditions apply.
xviii. In the event of any inconsistency or discrepancy between the terms and conditions and the contents of any brochure, marketing and/or promotional materials relating to the Promotion, these terms and conditions shall prevail.
xix. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Promotion, are the property of their respective owners. PSPL is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.
xx. Failure by PSPL to exercise any of its right or remedy under these Terms and Conditions does not constitute a waiver of that right or remedy.
xxi. The Terms and Conditions shall be governed by Singapore law and the Eligible Customers agree to submit to the exclusive jurisdiction of the courts of Singapore.
xxii. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Right of Third Parties) Act 2001 to enforce any of these terms and conditions.
xxiii. In case of dispute, the decision of PSPL shall be final.
xxiv. PSPL, its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
xxv. The Eligible Customer understands that he/she is entitled to withdraw his/her consent for the collection, use and disclosure of his/her personal data by notifying the Data Protection Officer (“DPO”) of in writing. The Eligible Customer also understands that by withdrawing his/her consent may mean that PSPL is unable to proceed with the respective Promotion Redemption.
xxvi. PSPL reserves the right at any time in its absolute discretion to
(1) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and Eligible terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected, or to
(2) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all customers.
xxvii. By taking part in this campaign, the customer acknowledges that he / she has read and consented to these Terms & Conditions.
xxviii. This campaign will be valid from 1 January 2026 until 30 January 2026, both dates inclusive.
xxix. Only Customers who are account holders with PSPL are eligible for this promotion:
(1) Ang Mo Kio
(2) Bukit Batok
(3) Boon Keng
(4) Holland Drive
(5) Marine Parade
(6) Northpoint City
(7) Raffles City
(8) Raffles Place
(9) Toa Payoh