
<p>Are you ready to embark on an unforgettable adventure this March? Agoda has curated a selection of exciting holiday plans that promise to immerse you in unforgettable experiences. From the iconic Mt. Fuji Day Tour from Tokyo to the vibrant Floating Market Day Tour from Bangkok. There&#8217;s something for every traveler seeking new adventures.</p>



<h2 class="wp-block-heading">Discover Japan&#8217;s Iconic Landmarks</h2>



<p>Experience the breathtaking <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-stores/beauty">beauty</a> of Japan with our Mt. Fuji Day Tour from Tokyo. Marvel at the majestic Mount Fuji as you journey through the picturesque countryside. Immerse yourself in the rich cultural heritage of Japan as you explore the charming villages and historic landmarks along the way. With convenient booking through Agoda, you can seamlessly plan your dream day trip to Mt. Fuji.</p>



<h2 class="wp-block-heading">Immerse Yourself in Bangkok&#8217;s Vibrant Culture</h2>



<p>For those seeking a taste of Thailand&#8217;s vibrant culture, our Floating Market Day Tour from Bangkok is not to be missed. Cruise along the bustling waterways of Bangkok and discover the colorful floating markets teeming with exotic fruits, fresh seafood, and local handicrafts. Indulge your senses as you sample delicious Thai street food and immerse yourself in the lively atmosphere of this unique cultural experience.</p>



<h2 class="wp-block-heading">Experience Adventure in South Korea</h2>



<p>Embark on a thrilling adventure with our Gapyeong Rail Bike Experience in South Korea. Pedal your way through breathtaking landscapes as you traverse old railway tracks surrounded by lush greenery and scenic vistas. Whether you&#8217;re traveling solo, with friends, or as a family, this exhilarating outdoor activity promises fun and excitement for everyone.</p>



<h2 class="wp-block-heading">Explore Taiwan&#8217;s Hidden Gems</h2>



<p>Uncover the hidden gems of Taiwan with our Yehliu, Jiufen &amp; Pingxi Day Tour from Taipei. Journey through stunning coastal landscapes, ancient villages, and enchanting lantern-lit streets as you explore these must-visit destinations. From the otherworldly rock formations of Yehliu to the charming hillside town of Jiufen, this day tour offers a glimpse into Taiwan&#8217;s diverse culture and natural beauty.</p>



<h2 class="wp-block-heading">Unlock Exclusive Deals with the Atome App</h2>



<p>Planning your next getaway has never been easier with the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a>. Download now to access exclusive deals and discounts on flights, hotels, and activities worldwide. With flexible payment options and convenient booking features, Atome empowers you to create unforgettable memories without breaking the bank. Whether you&#8217;re dreaming of a tropical beach getaway or an adventurous mountain retreat, Atome has you covered every step of the way.</p>



<h2 class="wp-block-heading">Plan Your March Escape with Agoda</h2>



<p>Don&#8217;t let another month pass you by without experiencing the wonders of the world. Start planning your March escape today with Agoda. With our diverse range of holiday plans and seamless booking process, we make it easier than ever to turn your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/travel/page/1">travel</a> dreams into reality. Whether you&#8217;re craving adventure, relaxation, or cultural immersion, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/agoda">Agoda</a> has the perfect destination waiting for you. Book now and make this March one to remember!</p>



<p>March is the perfect time to embark on a new adventure and create unforgettable memories. With Agoda&#8217;s curated selection of holiday plans and the convenience of the Atome app, planning your next getaway has never been easier. From iconic landmarks to hidden gems, there&#8217;s a world of possibilities waiting to be explored. So why wait? Start planning your March escape today and make this month one to remember.</p>
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Explore March Escapes with Agoda


<p>In today&#8217;s fast-paced world, maintaining an active lifestyle has become more than just a trend—it&#8217;s a way of life. Whether you&#8217;re hitting the gym, pounding the pavement, or flowing through a yoga session, having the right blend of style and performance in your activewear is essential.</p>



<h2 class="wp-block-heading">Nike: Innovating Style and Performance</h2>



<p>When it comes to activewear, Nike is a household name synonymous with innovation and style. With their cutting-edge designs and advanced fabric technologies, Nike&#8217;s range of athletic wear caters to every fitness enthusiast&#8217;s needs.</p>



<h2 class="wp-block-heading">Adidas: Blending Heritage with Modernity</h2>



<p>Adidas, another titan in the sportswear industry, brings a unique blend of heritage and modernity to the table. With a focus on sustainability and performance-driven designs, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/adidas">Adidas</a> offers a diverse range of activewear suitable for various sports and activities.</p>



<h2 class="wp-block-heading">Lululemon: Elevating Yoga Apparel to New Heights</h2>



<p>Lululemon, a brand known for its premium yoga apparel, has also expanded its offerings to cater to a broader audience of fitness enthusiasts. With their focus on technical fabrics and attention to detail, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/lululemon">Lululemon</a>&#8217;s activewear not only looks sleek but also performs exceptionally well during high-intensity workouts.</p>



<h2 class="wp-block-heading">New Balance: Where Functionality Meets Style</h2>



<p>New Balance, a brand with a rich history in athletic footwear, continues to impress with its range of performance-driven apparel. From running shorts with built-in moisture management technology to lightweight jackets that offer protection from the elements, New Balance combines functionality with timeless style.</p>



<h2 class="wp-block-heading">Singapore&#8217;s Active Lifestyle Scene: Meeting Unique Needs</h2>



<p>In the bustling city of Singapore, where the active lifestyle is embraced wholeheartedly, finding the right activewear is crucial. With the tropical climate and vibrant fitness scene, having apparel that keeps you cool, comfortable, and stylish is essential.</p>



<h2 class="wp-block-heading">Atome: Revolutionizing Activewear Shopping</h2>



<p>As you embark on your journey to enhance your active lifestyle, consider downloading the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a>. Atome is a leading buy now, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">pay later</a> platform that allows you to shop for your favorite activewear from brands like <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/nike">Nike</a>, Adidas, Lululemon, and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/new-balance">New Balance</a> with ease.</p>



<p>Whether you&#8217;re looking to upgrade your workout wardrobe or simply add a touch of style to your active lifestyle, Atome has you covered. Download the app today and take the first step towards a fitter, healthier, and more fashionable you.</p>
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Unveiling Your Perfect Blend of Style and Performance


<p>Are you gearing up for an electrifying night at Taylor Swift or Bruno Mars concert in Singapore? Dressing to impress is key to enjoying every beat and rhythm to the fullest. Dive into our guide for chic outfit ideas that fuse style and comfort, ensuring you stand out in the crowd.</p>



<p>When it comes to concert attire, striking the perfect balance between trendy and practical is paramount. Singaporean fashionistas swear by brands like Shein, Supergurl, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/playdress">Playdress</a>, Young Hungry Free, and Zalora for their diverse range of concert-ready ensembles. Whether you&#8217;re a die-hard Swiftie or a devoted Hooligan, these brands offer a plethora of options to suit your musical tastes and personal style.</p>



<h2 class="wp-block-heading">Shein: Affordable Expression</h2>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/shein">Shein</a>, known for its affordable yet fashion-forward pieces, offers everything from edgy graphic tees to flowy maxi dresses, allowing you to express your individuality effortlessly. Pair a Shein statement top with distressed denim shorts for a laid-back yet trendy ensemble that screams concert chic.</p>



<h2 class="wp-block-heading">Supergurl: Bold and Modern</h2>



<p>Supergurl caters to the fashion-forward crowd with its eclectic mix of bold prints and modern silhouettes. Opt for a floral jumpsuit or a sequined mini dress from Supergurl to make a head-turning entrance at the concert venue. Complete your look with chunky sneakers or ankle boots for added edge.</p>



<h2 class="wp-block-heading">Playdress: Understated Sophistication</h2>



<p>For those who prefer a minimalist approach to fashion, Playdress offers understated yet stylish pieces that exude sophistication. A sleek slip dress paired with a leather jacket and statement earrings from Playdress is the epitome of understated glamour, perfect for a night of singing along to your favorite hits.</p>



<h2 class="wp-block-heading">Young Hungry Free: Street Style Vibes</h2>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/young-hungry-free">Young Hungry Free</a> is synonymous with streetwear-inspired designs that pack a punch. Channel your inner street style star with a logo tee and oversized denim jacket combo from Young Hungry Free. Finish off your look with a pair of retro sunglasses and a crossbody bag for an effortlessly cool vibe.</p>



<h2 class="wp-block-heading">Zalora: All-Inclusive Fashion</h2>



<p>Zalora, a one-stop destination for all things fashion, boasts an extensive collection of concert-worthy outfits from both local and international brands. From trendy crop tops to flowy bohemian skirts, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/zalora">Zalora</a> has something for every style preference and body type. Browse through their online catalog to discover the perfect ensemble for your upcoming concert outing.</p>



<h2 class="wp-block-heading">Shopping Convenience with Atome</h2>



<p>In addition to curating the perfect concert ensemble, don&#8217;t forget to download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a> for a seamless shopping experience. With Atome, you can split your purchases into three interest-free <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">installments</a>, making it easier than ever to score your dream concert outfit without breaking the bank. Simply download the app, browse your favorite brands, and enjoy the convenience of flexible payment options at your fingertips.</p>



<p>Dressing for a Taylor Swift or Bruno Mars concert in Singapore is all about embracing your personal style while staying true to the latest fashion trends. With brands like Shein, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/supergurl">Supergurl</a>, Playdress, Young Hungry Free, and Zalora at your disposal, crafting the perfect concert-ready ensemble has never been easier. Don&#8217;t forget to download the Atome app for a stress-free shopping experience that lets you enjoy the music without worrying about your budget. So go ahead, rock out in style and make unforgettable memories at the concert of a lifetime!</p>
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Ultimate Guide to Trendy Outfits for Taylor Swift and Bruno Mars Concerts in Singapore


<p>Dear Atome Users,</p>



<p>As we stride into the auspicious Year of the Dragon, we&#8217;d like to take a moment to remind you of the importance of securing your Atome account for a worry-free shopping experience. Here are some essential tips to ensure your financial well-being.</p>



<ol start="1">
<li>Regular Account Monitoring</li>
</ol>



<p>In the spirit of renewal, make it a habit to review your transaction history regularly. This not only keeps you informed about your spending but also helps you identify any irregularities or unfamiliar activities promptly. If you spot anything unusual, don&#8217;t hesitate to reach out to our customer support team immediately. We&#8217;re here to help you protect what matters most.</p>



<ol start="2">
<li>Safe Device Practices</li>
</ol>



<p>Let&#8217;s strengthen the fortress protecting your financial information. Ensure your devices are updated with the latest security patches and antivirus software. Do also avoid using public computers or unsecured networks when making transactions. By following these practices, you become the true guardian of your financial realm.</p>



<ol start="3">
<li>Notification Alerts:</li>
</ol>



<p>Much like a dragon-sensing intruder, it enables transaction alerts to receive instant notifications for every purchase. This feature acts as your virtual guardian, alerting you to any unexpected activity, so you can act swiftly to verify the details and report any discrepancies.</p>



<p>As you celebrate the festivities and exchange well-wishes, remember that Atome is here to support you. Wishing you a prosperous Year of the Dragon, filled with financial security, happiness, and fulfillment.</p>



<p>Warm Regards,<br>Atome Team</p>
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Say wait 龙龙 (lóng lóng) to shady online figures this CNY!


<p>In the rapidly evolving digital landscape of Singapore, staying compliant and alert is crucial to ensure a secure online experience. With the increasing prevalence of online transactions, there is a growing need for individuals to be vigilant against scams while adhering to regulatory compliance.</p>



<h2 class="wp-block-heading"><strong>The Digital Transformation and Online Vulnerabilities</strong></h2>



<p>Singapore has witnessed a significant digital transformation, with a surge in online activities ranging from shopping and banking to social interactions. However, this increased connectivity has also opened up new avenues for cyber threats and scams. As individuals embrace the convenience of online platforms, it becomes paramount to be aware of potential risks and adopt a proactive approach to cybersecurity.</p>



<h2 class="wp-block-heading"><strong>Compliance as a Shield Against Scams</strong></h2>



<p>One of the fundamental pillars of online safety is compliance with established regulations and guidelines. Staying compliant not only protects individuals from legal consequences but also serves as a shield against various scams. Regulatory bodies in Singapore have implemented measures to ensure the security and privacy of online transactions, emphasizing the importance of adherence to these standards.</p>



<h2 class="wp-block-heading"><strong>Understanding Compliance in the Digital Space</strong></h2>



<p>Compliance in the digital realm encompasses various aspects, including data protection, secure payment processing, and adherence to industry standards. For consumers, this translates to being mindful of the platforms they engage with and ensuring that these platforms follow the necessary compliance protocols. Atome, as a trusted brand, takes a proactive stance on compliance, contributing to a safer online environment for its users.</p>



<h2 class="wp-block-heading"><strong>Atome&#8217;s Commitment to Customer Online Safety</strong></h2>



<p>Atome places a strong emphasis on customer safety in the online space. Atome recognizes the evolving nature of cyber threats and continuously invests in robust security measures to safeguard its users. This commitment extends beyond mere compliance; Atome actively engages in the development of advanced security protocols to stay ahead of potential threats.</p>



<p>At Atome, we prioritize the safety and security of our users by implementing robust safety standards. In the face of evolving cybersecurity challenges, we are committed to adopting cutting-edge security measures to safeguard your personal information and transactions. Examples include advanced features like two-factor authentication, encryption protocols, and continuous monitoring to ensure a secure online environment for our users.</p>



<h2 class="wp-block-heading"><strong>The Importance of Secure Payment Platforms</strong></h2>



<p>In the digital age, financial transactions are a significant target for cybercriminals. Secure payment platforms play a crucial role in ensuring that users&#8217; financial data remains protected. Atome&#8217;s dedication to compliance and security makes it a reliable choice for individuals seeking a secure payment solution for their online transactions.</p>



<h2 class="wp-block-heading"><strong>Navigating the Digital Landscape Safely with Atome</strong></h2>



<p>Staying compliant and scam-savvy in Singapore&#8217;s digital context is a collaborative effort between users and reliable platforms like Atome. By understanding the importance of compliance, recognizing common scams, and choosing secure payment solutions, individuals can contribute to a safer and more secure online environment.</p>



<figure class="wp-block-image aligncenter size-full"><img loading="lazy" decoding="async" width="180" height="180" data-attachment-id="16164" data-permalink="https://blog.atome.sg/campaign/discover-stunning-nails-for-chinese-new-year-2024/attachment/qr-code/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" data-orig-size="180,180" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="First Order Up To $10 Off! Download Atome!" data-image-description="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
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Staying Compliant with Atome


<p>In an age where digital connectivity is paramount, ensuring the safety of Atome users online is of utmost importance. At Atome, we recognize that your safety is our top priority, and we are committed to supporting you in your journey toward a more secure online experience.</p>



<h2 class="wp-block-heading">Upholding Safety Standards</h2>



<p>Atome places a strong emphasis on upholding safety standards to protect its users from potential threats and online scams. We understand the evolving nature of cybersecurity challenges and continuously strive to implement the latest security measures to keep your personal information and transactions secure.</p>



<p>At Atome, we prioritize the safety and security of our users by implementing robust safety standards. In the face of evolving cybersecurity challenges, we are committed to adopting cutting-edge security measures to safeguard your personal information and transactions. Examples include advanced features like two-factor authentication, encryption protocols, and continuous monitoring to ensure a secure online environment for our users.</p>



<h2 class="wp-block-heading">Stay Compliant, Stay Safe</h2>



<p>To navigate the complex landscape of online interactions successfully, it is crucial to stay compliant with the best practices of cybersecurity. Atome encourages all users to stay informed about the latest security protocols and to adhere to them diligently. This includes regularly updating your passwords, enabling notifications and two-factor authentication, and not sharing personal account details with anyone.</p>



<h2 class="wp-block-heading">Support Throughout Your Journey</h2>



<p>Your journey toward a more secure online experience is not one you have to undertake alone. Atome is here to support you every step of the way. Our customer support team is readily available to address any concerns you may have, provide guidance on security practices, and assist in resolving any security-related issues.</p>



<h2 class="wp-block-heading">Continuous Improvement</h2>



<p>Atome understands that the digital landscape is dynamic, and so is the nature of cybersecurity threats. We are committed to continuous improvement, regularly updating our systems and protocols to stay one step ahead of potential risks. Your safety is an ongoing priority, and we are dedicated to adapting to the ever-changing digital environment.</p>



<p>Your safety is at the forefront of everything we do at Atome. By staying compliant with security standards, remaining vigilant against online scams, providing educational resources, and offering continuous support, we aim to empower our users to enjoy a secure and confident online experience. Together, we can navigate the digital landscape with resilience and knowledge, ensuring that your time with Atome is not only convenient but also inherently secure.</p>



<figure class="wp-block-image aligncenter size-full"><img loading="lazy" decoding="async" width="180" height="180" data-attachment-id="16164" data-permalink="https://blog.atome.sg/campaign/discover-stunning-nails-for-chinese-new-year-2024/attachment/qr-code/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" data-orig-size="180,180" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="First Order Up To $10 Off! Download Atome!" data-image-description="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
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" data-image-caption="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
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Download Atome!</figcaption></figure>
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User Safety at Atome: Creating a Secure Online Experience


<p><strong>SINGAPORE, 9 November 2022</strong> – Apaylater Financials Pte Ltd (commonly known as <strong>Atome</strong>) has received the <strong>in-principle approval (IPA)</strong> from the Monetary Authority of Singapore (MAS) to operate as a Major Payment Institution (MPI) under the <a href="https://sso.agc.gov.sg/Acts-Supp/2-2019/Published/20190220?DocDate=20190220#pr6-" target="_blank" rel="noreferrer noopener">Payment Services Act 2019</a> (PS Act).</p>



<p>Once granted, the MPI licence will allow the company to perform regulated payment services, such as account issuance, domestic and cross-border money transfers, as well as merchant acquisition services.</p>



<p>David Chen, CEO of Atome, said, “Receiving the IPA is a critical milestone for our business in Singapore, as it recognises our steadfast and rigorous commitment towards setting best-in-class compliance standards. Today’s announcement also underlines our commitment to building a long-term, healthy and sustainable business in Singapore and ensuring the best experience for our merchants, institution partners as well as end consumers.”</p>



<p>Leanne Lim, Regional Head of Compliance, Atome said, “The licensing and due diligence process was comprehensive and robust, and it is an immense privilege to be granted an IPA. This validates the work our team has been putting into building our compliance infrastructure and we will further strengthen existing frameworks by continuously monitoring for emerging risks and regulations. In the coming months, we look forward to working closely with the MAS, our merchant partners and our consumers to achieve desirable outcomes for the payment ecosystem.”<br><br>The in-principle approval (IPA) comes on the back of Atome receiving two awards at the recent Singapore FinTech Festival Global Fintech Awards 2022 &#8211; namely Fintech Employer of the Year and ASEAN Fintech Leader.</p>



<p><br><em>Disclaimer: Please note that the aspect of BNPL services with regards to consumer credit is not regulated by the MAS. Atome commits to adhering to the guidelines and best practices mapped out in the recently launched industry-led <u><a href="https://singaporefintech.org/buy-now-pay-later-bnpl-working-group-launches-bnpl-code-of-conduct-for-singapore/" target="_blank" rel="noreferrer noopener">BNPL Code of Conduct.</a></u></em></p>



<p></p>



<p><strong>About Atome</strong>&nbsp;</p>



<p id="key-partners"><a href="https://www.atome.sg/our-story" target="_blank" rel="noreferrer noopener sponsored nofollow">Atome</a> is a leading <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">buy now pay later</a> platform in Asia, partnering online and offline retailers to increase conversions and grow average orders and customer segments. It currently partners over 15,000 online and offline retailers in 8 markets (Singapore, Indonesia, Malaysia, Hong Kong, Vietnam, Philippines, Thailand, and mainland China). Key merchant partners include <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/sephora">Sephora</a>, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/agoda">Agoda</a>, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/zalora">ZALORA</a>, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/shein">SHEIN</a>, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/zara">Zara</a>, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/marks-spencer">Marks &amp; Spencer</a>, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/charles-keith">Charles &amp; Keith</a>, Aldo and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/pandora">Pandora</a>. For consumers, Atome offers choice, convenience and flexibility in how they choose to shop and pay. Atome is part of Advance Intelligence Group, one of the largest independent technology startups based in Singapore. Founded in 2016, the Group has presence across South and Southeast Asia, Latin America and Greater China. The Group is backed by top tier investors SoftBank Vision Fund 2, Warburg Pincus, Northstar, Vision Plus Capital, Gaorong Capital, Pavilion Capital, GSR Ventures and EDBI.</p>
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Atome receives In-Principle Approval (IPA) from MAS to operate as Major Payment Institution in Singapore


<p class="has-small-font-size">GENERAL TERMS AND CONDITIONS</p>



<p class="has-small-font-size">1. These general terms and conditions (“Terms”) apply to all competitions featured in any publications and online services that are organised by APaylater Financials Pte Ltd or its affiliates (“Atome”) (or a third party on Atome’s behalf). For the purposes of these Terms, references to a “competition” shall include any game, lucky draw or lottery.</p>



<p class="has-small-font-size">2. By entering a competition, entrants accept these Terms together with any specific instructions and terms for such competition which may be mentioned in any electronic messages, or on the website, or communicated to entrants in any other way (“Specific Terms”). Such Specific Terms shall prevail in the event of there being any inconsistency between these Terms and any Specific Terms.</p>



<p class="has-small-font-size">3. Atome may cancel or amend any Specific Terms or these Terms without prior notice. Any changes will be updated and posted in accordance with the Specific Terms or these Terms. It is up to entrants to ensure that they review and comply with any additional terms and conditions.<br><br><span style="text-decoration: underline;">Competition Entry</span></p>



<p class="has-small-font-size">4. Competitions are open to all residents of Singapore. Atome may ask competition winners for proof of Singapore residency and if a competition winner is unable to prove their residency to Atome’s satisfaction, Atome reserves the right to select an alternative winner. There is no minimum age limit unless specified otherwise in the Specific Terms. Employees and members of their immediate families (including any live-in partner or household member) of any of the following may not enter:<br>(1) Apaylater Financials Pte. Ltd, or its affiliates<br>(2) Any company involved in the organisation, management, promotion, or administration of the competition or its entry routes or donation of prizes or their agents or affiliates;<br>(3) Any company involved in any capacity in the sponsorship of a competition or competition prize or its affiliates.</p>



<p class="has-small-font-size">5. Entrants may only enter the competition in their own name and must be registered as Atome users. The registration process will require users to provide personal information such as but not limited to full name, gender, mobile number, and e-mail.</p>



<p class="has-small-font-size">6. The opening and closing dates and times for entries are as indicated in the Specific Terms. Any entries received before the commencement and after the end of the competition period will be invalid and will not be entered into the competition.</p>



<p class="has-small-font-size">7. By entering the competition entrants warrant that all information submitted by them is true,current, and complete. Entrants also warrant that they have all the necessary consents in relation to their entry into the competition, that they are the copyright owners of any copyrightworks submitted, e.g. photographs and drawings, and Atome’s use of such works in full or in part (which entrants hereby permit) will not infringe the rights of any third party. Entrants shall indemnify and hold harmless Atome for any losses suffered by Atome as a result of a breach by entrants of any warranty or agreement in these Terms.</p>



<p class="has-small-font-size">8. Any limit on the number of entries a person or household may make will be clearly stated in the Specific Terms. Entries received that exceed this limit will be invalid and will not be entered into the competition.</p>



<p class="has-small-font-size">9. Entry to the competition may only be made through the applicable method(s) indicated in the Specific Terms. Not all of the following methods of entry may be available for entry to each competition. The following terms and conditions will apply where the method is indicated as being available in the Specific Terms. Where entrants pay an entry fee, they must have the permission of the bill payer before entering; otherwise the entry will be invalid.</p>



<p class="has-small-font-size">10. Neither Atome nor its employees, agents, nor any other party or organisation involved in the management, promotion, or administration of the competition or its entry routes or donation of prizes or their agents or subsidiaries involved in the competition (“Atome Party”) will accept responsibility or liability for any failure, delay or error on the part of any such Atome Party that is caused by an event beyond such Atome Party’s reasonable control, including but not limited to floods, typhoons, earthquakes, wars or hostilities, acts or threats of terrorism, hacking or attempts at hacking, riots, social unrest, protests, strikes, any regulatory or enforcement actions, acts of government, epidemics, embargoes, fires, other acts of God, nuclear disaster any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft, destruction, alteration of, or unauthorised access to entries, or entries lost or delayed whether or not arising during operation or transmission as a result of network availability, server functions (including but not limited to security functions by software used by Atome or any third party), virus, malware, trojans or bugs.</p>



<p class="has-small-font-size">11. Entries submitted through agents or third parties or in bulk (i.e. more entries than a human being could submit in the time available without the use of software or other devices designed to make automated entries or, in the case of postal entries, more than one entry submitted under the same postage stamp) will not be accepted. Entrants may enter as manytimes as they like unless otherwise indicated in the Specific Terms but no more than one prize per person per competition will be awarded.</p>



<p class="has-small-font-size">12. Any entries which are incomplete, incorrect, inaudible, incomprehensible, or not receivedby Atome will be void.</p>



<p class="has-small-font-size">13. In the event of any fault, mistake, misunderstanding or dispute concerning the correctness or acceptability of the entry or any answers given by entrants (if applicable), or the operation of any part of the competition (in the case of postal entries, a postal strike for example), network or phone system, the decision of Atome shall be final and no correspondence will be entered into.</p>



<p class="has-small-font-size">14. Atome will not be liable to reimburse expenses incurred in making an entry in any competition. Where Atome decides in its sole discretion that an entrant is eligible for a refund, eligibility for refunds will be notified to relevant entrants. Atome reserves the right to refuse to refund any messages where it suspects dishonest or fraudulent conduct on the sender’s part or where the entrant has not complied with the rules of the competition.<br><br><span style="text-decoration: underline;">Prizes</span></p>



<p class="has-small-font-size">15. The prize is as specified in the Specific Terms and no alternative will be offered other than in Atome’s sole discretion.</p>



<p class="has-small-font-size">16. Where the winner is required to speak for the purposes of a film or video production they must appear to be able to communicate clearly and appropriately for the production in question. Atome reserves the right to select an alternative winner in the event that these requirements are not met.</p>



<p class="has-small-font-size">17. The process for determining the winner of the prize is as indicated in the Specific Terms. Winners will not be entitled to the prize if they have previously won a prize from a giveaway or competition held or organised by Atome (whether jointly or solely) in the last three (3) calendar months.&nbsp;</p>



<p class="has-small-font-size">18. Prize draw prizes will be awarded in accordance with the laws of chance and, if required by law or regulation, under the supervision of an independent observer. Any competition requiring a subjective assessment in the selection of winning entries will be judged by Atomeor as indicated in the Specific Terms and, if required by law or regulation, an independent judge or a panel including one member who is independent of the competition’s promoters and intermediaries. Should more prizes be claimed than are available for any reason, a simple prize draw will take place for the available prize(s).</p>



<p class="has-small-font-size">19. Atome will attempt to notify the winner within 21 days after the closing date, or as otherwise indicated in the Specific Terms, and where time is of the essence for such a period as Atome shall in its absolute discretion deem reasonable. The winner will have a specified fixed time period in which to claim his or her prize. If Atome is unable to notify the winner, or if the winner fails to respond within the fixed time period as specified and/or provide an address for delivery of the prize, this may result in forfeiture of the prize and Atome reserves the right to select an alternative winner in accordance with these Terms and the Specific Terms.</p>



<p class="has-small-font-size">20. Atome may in its sole discretion refuse to provide a prize, or seek its recovery, in the event of non-entitlement under these Terms and/or the Specific Terms or an entrant’s breach of these Terms, the Specific Terms, Atome’s website terms of use,&nbsp; or any act of fraud, dishonesty, or other inappropriate or improper conduct including but not limited to the use of technology which enables an entrant to evade charges or entry requirements.</p>



<p class="has-small-font-size">21. Any entrant who enters or attempts to enter the competition in a manner, which in Atome’s determination is contrary to these Terms or by its nature is unfair to other entrants may be removed from the competition at Atome’s sole discretion.</p>



<p class="has-small-font-size">22. Atome reserves the right to modify, cancel, terminate or suspend the competition in whole or in part, at its sole discretion, if it believes the competition is not capable of being conducted as specified in these Terms or in the event of a virus, computer bug or unauthorized human intervention or any other cause that is beyond the reasonable control of Atome that could corrupt or affect the administration, security, impartiality, or normal course of the competition.</p>



<p class="has-small-font-size">23. Atome reserves the right in its sole discretion to withhold delivery of the prize until such proof of eligibility and identity has been confirmed or if such proof is not produced on requestor to disqualify the entrant from the competition.</p>



<p class="has-small-font-size">24. Atome shall try to deliver the prize to the winner within 90 days from the date of the draw or in accordance with such timelines required under applicable law, unless otherwise specified in the Specific Terms. Delivery restrictions may apply. No cash equivalent (where applicable) or alternative prize will be given and the prize is non-transferable and non-exchangeable. However, Atome reserves the right to change the prize due to circumstances beyond its control or to offer an alternative of similar value.</p>



<p class="has-small-font-size">25. In relation to all competitions, the first name and surname of the winner may be published by Atome and entrants grant to Atome a non-exclusive, worldwide, perpetual, royalty-free licence to use and publish their entry in whole or in part in any media for the purpose of announcing the winner. The winners may be required to participate in reasonablepublicity and agree to the use and publication of their full names and images for promotional and marketing purposes for the current and future seasons of the competition.<br><br><span style="text-decoration: underline;">Data Protection and Publicity</span></p>



<p class="has-small-font-size">26. Subject to applicable law, Atome (or any third party nominated by Atome) may exercise its sole discretion to use the winner’s (and (if applicable) their companion’s) name, address, and image and their comments relating to the prize and competition experience for future promotional, marketing and publicity purposes in any media worldwide without notice or without any fee being paid.</p>



<p class="has-small-font-size">27. Information, data and the caller line identity (“Personal Data”) which is provided by entrants when they enter will be held and used by Atome and their suppliers and contractors in order to administer the competition. Entrants’ Personal Data may also be passed to their mobile phone network or to relevant regulatory bodies including the police or other authorities in the course of the investigation of any complaints or suspected unlawful activity or where requested by the phone provider in connection with the billing arrangements for thecompetition. Aggregate, non personal data may also be used for the purpose of undertaking market research or in facilitating reviews, developments and improvements to relevant services.</p>



<p class="has-small-font-size">28. By submitting their personal details, the entrant agrees to Atome processing those details in accordance with the purposes made known to the entrant at the time of collection and in accordance with Atome’s privacy policy which can be viewed at <a href="https://www.atome.sg/en-sg/privacy-policy" rel="nofollow">https://www.atome.sg/en-sg/privacy-policy</a>.</p>



<p class="has-small-font-size">29. Atome shall comply with all applicable requirements of the Personal Data Protection Act 2012, any successor legislation or other applicable law.</p>



<p class="has-small-font-size"><span style="text-decoration: underline;">Liability</span></p>



<p class="has-small-font-size">30. Nothing in these Terms shall exclude or limit Atome’s liability for death or personal injury caused by their staff or supplier’s negligence or for fraud. Subject to this, Atome cannot accept any responsibility for any damage, loss, injury or disappointment suffered by any entrant entering the competition or as a result of accepting any prize. Atome is not responsible for any problems or technical malfunction of any telephone network or lines, computer on-line systems, servers, or providers, computer equipment, software failure of any email or entry to be received on account of technical problems or traffic congestion on the Internet, telephone lines or at any web site, or any combination thereof, including any injury or damage to entrant’s or any other person’s computer, data or mobile telephone related to or resulting from participation or downloading any materials in the competition.</p>



<p class="has-small-font-size">31. Atome cannot promise that the services relating to the competition will be free from errors or omissions nor that they will be available uninterrupted and in a fully operating condition. These services may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons reasonably beyond the control of Atome. Atome will not be liable in the event that all or any part of the service relating to the competition is discontinued, modified or changed in any way.Miscellaneous</p>



<p class="has-small-font-size">32. In the event that any entrant does not, or is unable to, comply with and meet these Terms and the Specific Terms, Atome shall be entitled at its sole discretion to disqualify suchentrant, without any further liability to such entrant. In these circumstances, any prize(s) won by the entrant may be forfeited and Atome reserves the right to reclaim any prize(s) already distributed to the entrant. Any entrant must comply with any directions given to him or her by Atome including but not limited to any and all relevant laws, rules and applicable regulatory codes.</p>



<p class="has-small-font-size">33. The invalidity or unenforceability of any provision of these Terms shall not affect the validity or enforceability of any other provision. In the event that any provision is determined to be invalid or otherwise unenforceable or illegal, these Terms shall otherwise remain in effect and shall be construed in accordance with their terms as if the invalid or illegal provision were not contained herein.</p>



<p class="has-small-font-size">34. Please note that calls may be recorded to ensure that competition entries are captured, for staff training and quality control purposes.</p>



<p class="has-small-font-size">35. These Terms shall be governed by and construed in accordance with the law of Singapore, without reference to conflict of laws principles. Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity or termination, shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (“SIAC”) in accordance with the Arbitration Rules of the Singapore International Arbitration Centre for the time being in force, which rules are deemed to be incorporated by reference herein. The seat of the arbitration shall be Singapore. The Tribunal shall consist of 1 arbitrator. The language of the arbitration shall be English.</p>



<p class="has-small-font-size">36. These Terms were last updated on 1 Feb 2024.</p>
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