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  1. By participating in a SmartInvestor competition or giveaway, you fully agree and accept the SmartInvestor Giveaway Terms and Conditions as well as the individual terms and conditions of the specific competition.
  2. SmartInvestor online competitions and giveaways are open to Malaysian residents aged 18 and over only, excluding employees of Inovatif Media Asia Sdn Bhd, and employees of companies involved in the competition/prize draw and their associated, affiliated or subsidiary companies, their families, agents, or anyone connected with the competition/prize draw.
  3. All prizes are non-refundable and non-transferrable.
  4. No cash alternative will be offered for any prizes.
  5. Prizes can either be collected from the Inovatif Media Asia office in Petaling Jaya or delivered to a valid Malaysian address (courier charges is to be borne by the winner).
  6. The prize draw and judge’s decision is final and no correspondence or disputes will be entered into.

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