Terms and Conditions




Promotion Period:

This Campaign (“Campaign”) is organized by SHENMA Credit Sdn Bhd (“SHENMA Credit”) and will commence from 10 Oct 2022 till 2 Feb 2023, both dates inclusive (“Campaign Period”).


The Campiagn is open to all SHENMA Credit's customers ("Customers") who are new and existing during the Campaign Period.

SHENMA Credit reserves the right to disqualified any Customers who:

i)  have in the past committed, or is currently suspected of committing fraudulent, unlawful or wrongful acts in relation to any facilities granted by the SHENMA Credit;
ii) are facing bankruptcy proceedings, or have been declared bankrupt either before, during or after the Campaign Period; and

Campaign Mechanism and Winner Selection:
To participate in the Campaign, Customers:
i)   Pay the monthly installment via JomPAY
ii)  Perform monthly instalment 4 times within the campaign period to entitled for Grand Prize lucky draw
Perform monthly instalment 1 times within the campaign period to entitled for Consolation lucky draw


Eligible Customers who meet the requirements under Clause 3.1 will be in the running to win the list of Grand Prize and Consolation Prizes as shown below:

Prize Item Qty Requirement
Grand Prize Apple iPhone 13 Pro Max  1  4 times monthly instalment (via JomPAY) within the campaign period
1st Prize Apple watch 1
2nd Prize Airpod 1
Consolation Lazada e-voucher (RM100) 65  1 times monthly instalment (via JomPAY) within the campaign period

All Prize winner will be notified via SMS and/or email (based on the mobile number and/or email address in the SHENMA Credit’s record) if they have been selected as the Winners.


For the avoidance of doubt, SHENMA Credit gives no representation or warranty with the respect to the quality or suitability of Prizes (including  but not limited to the validity and/or usage of the Prizes and shall not be responsible to replace any lost, stolen or damaged Prizes). The Prize Winners shall deal directly with the manufacturer/supplier for any queries, disputes or claims pertaining to the Prizes without recourse to SHENMA Credit.


SHENMA Credit reserves the rights to replace the Prizes with any other items of equal value at its sole discretion without prior notice.


The Prizes featured in all printed materials and/or the SHENMA Credit’s website is for illustration purposes only. Any props,accessories or equipment featured with the Prizes in any pictorial materials are for decorative purposes and shall not form part of the Prizes.


The Eligible Customer is deemed to have read, understood, and agreed to be bound by the Terms and Conditions stated herein by participating in this Campaign.


The Prizes is non-transferable, non-negotiable, and non-exchangeable for cash or kind, in part or in whole.
SHENMA Credit reserves the right, at any time and without prior notice, to substitute the Prizes with one of comparable value.


All Eligible Customers are bound by the Terms and Conditions set forth herein, and SHENMA Credit reserves the absolute right and discretion to suspend and/or terminate the Campaign or change the Terms and Conditions of the Promotion without providing any reason to the Eligible Customer.


SHENMA Credit reserves the right, at its sole discretion, to withdraw, cancel, suspend, extend, or terminate this
Campaign in whole or in part, or to vary, delete, or add to any of these Terms and Conditions. To be clear, cancellation, termination, or suspension by SHENMA Credit does not entitle Eligible Customers to any claim or compensation against SHENMA Credit for any and all loss or damage suffered or incurred by the Eligible Customers as a direct or indirect result of the act of cancellation, termination or suspension.


SHENMA Credit's decision on all Campaign-related matters will be final and binding on all Eligible Customers. SHENMA Credit will not consider any further correspondence or attempts to contest such decisions


SHENMA Credit reserves the right to revoke the Campaign if the Eligible Customers violate any of these Terms and Conditions or commit fraudulent or wrongful acts in connection with their SHENMA Credit's Motorcycle Hire Purchase Scheme.


SHENMA Credit will not be liable for any loss or damage of any kind suffered by Eligible Customers and, if applicable, accompanying persons as a result of or in connection with the Campaign.


The Terms and Conditions are subject to change and take precedence over any provisions or representations contained in any other promotional or advertising materials.


The Terms and Conditions set forth herein shall be governed and construed in accordance with Malaysian law.