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Home » Terms And Conditions – HelloGold Zero Admin Fee Promotion

HelloGold Zero Admin Fee Promotion Terms and Conditions


  1. The HelloGold Zero Admin Fee (“The Promotion”) is organised and sponsored by HelloGold Sdn. Bhd. (Company No. 1170189-H) (“HelloGold”). The Promotion is governed by these terms and conditions, including any subsequent amendments thereto (“Terms & Conditions”).
  2. All participants in the Promotion will be deemed to have accepted the Terms & Conditions.


  1. The Promotion is open to all HelloGold account users (“Customers”).
  2. Customers currently participating in any other HelloGold SmartSaver promotion (such as Chinese New Year Golden Giveaway, Payday Rewards Campaign, RM10 Giveaway) may participate in this Promotion by cancelling their existing SmartSaver plan and re-subscribing to a new SmartSaver plan during the Promotion Period.
  3. Employees of HelloGold and anyone directly connected with the Promotion are not eligible to enter the Promotion.


  1. To be eligible for this Promotion, Customers must subscribe and successfully transfer funds to the HelloGold SmartSaver plan between 18 June 2019 at 1:00am until 18 July 2019 at 11:59pm (“Promotion Period”).
  2. HelloGold reserves the right to extend or shorten the Promotion Period at its own discretion.
  3. All entries received before or after the Promotion Period shall automatically be disqualified.


  1. Customers must subscribe and fund their HelloGold SmartSaver plan at RM120 or more for a minimum duration of 6 months consistently calculated from the date of subscription within the Promotion Period (“Term”) by either:
    1. manually funding the HelloGold SmartSaver plan; or
    2. funding via Direct Debit.
  2. Customers who successfully complete the 6-month term will receive a rebate of all administration fees (in gold) charged during the Term, on the Customer’s total gold holdings in both the main HelloGold account and SmartSaver account up to 10 grams of gold (“Reward”).
  3. The one-off Reward will be deposited into the Customer’s main HelloGold account at the end of their Term date.
  4. If the Customer fails to fund a minimum of RM120 each month (by the due date stated in the monthly reminder posts) during the Term or cancel their subscription within the Term, the Customer is not entitled to receive any Reward.
  5. Once the Reward has been credited into the Customer’s account, he/she will be notified via Email and push notification. HelloGold will not be liable for any failed notifications due to third party systems errors.
  6. HelloGold reserves the right to substitute the Reward for other rewards of equivalent value without prior notice, at its absolute discretion.
  7. At the end of the Term, the Customer has the option of either withdrawing gold and cash balance or continue to save for another 6-months to achieve their savings goals in accordance with clause 16 below.


  1. HelloGold SmartSaver accounts are to be held for a period of 12 months (“SmartSaver Term”) and may be extended at the end of this SmartSaver Term.
  2. Gold purchased for the HelloGold SmartSaver account will be purchased at the end of every working day (excluding weekends and market closure days) based on the lowest price of the day.
  3. In order to withdraw the gold and cash balance from the HelloGold SmartSaver account, the HelloGold SmartSaver customer must first exit the HelloGold SmartSaver plan by closing the HelloGold SmartSaver account. Once the account is closed, the Customer’s gold and cash balance in the HelloGold SmartSaver account shall be transferred to the Customer’s main HelloGold account. The Customer is unable to withdraw the gold and cash balance directly from the HelloGold SmartSaver account.
  4. Should the Customer wish to, the HelloGold SmartSaver customer is able to close the HelloGold SmartSaver account before the completion of the SmartSaver Term. If the account is closed prior to the completion of the SmartSaver Term, the gold and cash balance in the HelloGold SmartSaver account will be released and transferred to the Customer’s main HelloGold account.
  5. After achieving their HelloGold SmartSaver’s goal, the gold and cash balance in the Customer’s HelloGold SmartSaver account will be transferred to the Customer’s main HelloGold account.
  6. For Customers who choose to set up a direct debit payment for the purpose of their HelloGold SmartSaver account, the Customer hereby authorises HelloGold to debit the Customer’s bank account registered with HelloGold to make the authorised monthly payments as and when such payments become due.
  7. The Customer also has the option to cancel the direct debit payment at any time via the Customer’s HelloGold SmartSaver account.
  8. The Customer will be charged a RM1 fee in connection with the direct debit payment in the circumstances set out in clause 23(a)–(c). below. By opting to utilise the direct debit payment, the customer hereby authorises HelloGold to debit from the customer’s Bank Account:
    1. a one-time refundable transactional fee of RM1 for the enrolment of direct debit payment. HelloGold will refund this transaction fee to the customer upon approval of direct debit by customer’s bank;
    2. a monthly recurring fee of RM1 for using the direct debit payment; and
    3. a non-refundable fee of RM1 for cancellation of direct debit payment during the SmartSaver Term.


  1. The participants understand and agree that their participation in the Promotion is at their own risk and HelloGold is not liable to any person whether in tort, contract, statute or otherwise for any direct, indirect, incidental or consequential damages or costs in connection with their participation in the Promotion.
  2. HelloGold makes no representation or warranty whatsoever pertaining to:
    1. the continuous, uninterrupted and error-free operation of the Promotion;
    2. the accuracy of information and statements in the Promotion page; Facebook page and ads with external approved partners;
    3. the security and freedom from any computer viruses or other harmful properties.
  3. The participants acknowledge and agree that to the fullest extent permitted by law, HelloGold disclaims all liabilities for any claims for damages, losses, costs and expenses arising from participation in the Promotion.
  4. HelloGold reserves the right to amend these Terms and Conditions, the mechanics or processes of the Promotion at any time without any prior notice and the participants shall be bound to such amendments.


  1. These Terms and Conditions are available in the English language and Bahasa Malaysia. In the event of any conflict or inconsistencies between the English language Terms & Conditions and the Bahasa Malaysia Terms & Conditions, the English language version shall prevail.


  1. The Promotion and all information published and related to it (including text, graphics, symbols, icons, software and trademarks) are protected by copyright and trade mark and remains the sole property of HelloGold.


  1. HelloGold collects personal identifiable information to provide services or to correspond with the participant. This information is stored in a manner appropriate to the nature of the data by HelloGold and is used to fulfil the participant’s request(s). By submitting the participant’s personal information, HelloGold deems that permission is given by the participant to HelloGold and/or its authorised agents to use this information for the purpose of present and future marketing and promotional purposes and to improve its products and services. If the participant informs HelloGold via the Careline at [email protected] that the above information should not be used as a basis for further contact, HelloGold will respect the participant’s request. The participant’s information will not be provided or shared with other companies or partners for their independent use.


  1. HelloGold shall not be liable for any default in respect of the Promotion due to any act of God, acts of Government, war, riot, strike, lockout, industrial action, fire, flood, storm, technical or system failures or any event beyond the reasonable control of HelloGold.


  1. These Terms and Conditions are governed by the laws of Malaysia.