The “”hi World Cup 2022″” is offered by hi Financial Limited (“”hi””). Throughout these Terms, references to “”hi,”” “”we,”” “”us,”” or “”our”” shall refer to the hi Financial and its Affiliates, as applicable.

You are only eligible to enter into this Agreement and participate in the program if:

You are not a citizen or resident of the USA or British Virgin Islands;

You are at least 18 years of age or of legal age to form a binding contract (whichever is later);

You are not subject to any financial sanctions imposed by the United Nations, European Union, any EU country, UK Treasury or US Office of Foreign Assets Control (OFAC); and

You have read, understood and agreed to our Privacy Notice and Cookie Policy.

By entering into this Agreement, you acknowledge and confirm that you satisfy all the conditions set out above (“” Eligible User””). 

If we later become aware that you are not an Eligible User (“”Ineligible User””), we may delete your actions immediately and ban you from using any of our or our Affiliates’ products or services. hi shall not be held liable for any legal or monetary consequences arising from the use of the hi World Cup 2022 program or our services and products by an Ineligible User. 

Any Ineligible User shall indemnify and hold harmless hi and its Affiliates from any legal or monetary consequences arising from such use.

The Campaign commences on Thursday 17th November at 00.00 GMT and lasts until Sunday 18th December 23.59 GMT. Submissions to the Google Forms close on Saturday 19th November 23.59 GMT.

To enter this program, you will need a hi account.

If you don’t already have a hi account, download the app in the App Store or Google Play Store or visit web.hi.com to sign up. It is free to create a hi account. By submitting your information and creating a hi account, you will be required to agree to the hi terms of service and privacy notice. If you do not agree to the hi terms of service and privacy notice, you cannot create a hi account.

To enter, a member needs to answer all questions in the Google Form and submit it before the deadline.

A member receives one point for every correct answer. There are no point deductions for incorrect answers. In case of multiple answers being correct, every member who picked one correct answer will receive one point.

To be eligible for this campaign, a member needs to fulfill all of the following criterias:

(i) Have successfully completed KYC level 1
(ii) Be a hi Basic member or above
(iii) Have joined the waitlist for the hi Debit Card in the hi App

The overall prize sum is 250.000 HI that will be distributed among the winners after the tournament has concluded.

Prizes will be distributed 50% to Flexible and 50% to Rewards

The hi team will aim to calculate and distribute prizes within 1 week of the competition closing

In a case where more than one member finishes with the same points score, preference will be given to the member with the larger HI purchase during the period.

The final positions will be calculated in good faith by the hi team, should any dispute arise, the decision of the hi team is final. The hi team reserves the right to publish some, all or none of the competition data (in the form of leaderboards or otherwise) during and after the campaign period.

We expressly reserve the right to and at any time, without liability to you to:

refuse your request to partake in the hi World Cup 2022 program;

reserve the right to change the duration of the hi World Cup 2022 program at any time

change the eligibility criteria for registration or use of the hi World Cup 2022 program at any time;

close, suspend, limit, restrict or terminate your access to the hi World Cup 2022; or

change, update, remove, cancel, suspend, disable or discontinue any features, component, content, incentive or referral plan of the hi World Cup 2022 program; provided, however, that we may not change the interest rate, end date or any other terms that impact your interest earnings during the current term of the hi World Cup 2022 program you partake in.

You are responsible for your own tax obligation regarding your use of the hi World Cup 2022 program. It is your responsibility to determine what kind of filing or reporting is required of you by the competent tax authority, which taxes and to what extent you are obliged to pay and which tax exemptions you are eligible to. hi shall not be required to compensate you for your tax obligation or advise you in relation to your tax issues. Notwithstanding the foregoing, hi will make any tax withholdings or filings that we are required to make by applicable law.

You shall use the hi World Cup 2022 program and our services in good faith and in accordance with these Terms. Without limiting the foregoing, you agree that you shall not: 

(i) violate or breach any terms in these hi World Cup 2022 program T&Cs, the applicable Privacy Notice or Cookies Policy or any applicable laws and regulations in any jurisdiction; 

(ii) provide false, inaccurate, incomplete, out-of-date or misleading information; 

(iii) commit, conduct or perform any misrepresentation, fraud, malicious act or criminal activities; (iv) interfere, intercept, or expropriate our network, system, data, or information; 

(v) transmit or upload any virus, or other malicious software or program; 

(vi) attempt to gain unauthorized access to other users’ accounts, website, network or systems relating to our services; 

(vii) decompile, reverse engineer or disassemble the hi World Cup 2022 program or any of our programme, system or product, or in any way infringe our intellectual properties rights; 

(viii) cause or launch any programs or scripts for the purpose of scraping, indexing, surveying, or otherwise data mining any portion of the hi World Cup 2022 program or any of our programme, system or product; or unduly burdening or hindering the operation and/or functionality of any aspect of the hi World Cup 2022 program.

Legal and Regulatory: The regulatory status of Digital Assets is currently unsettled, varies among jurisdictions and subject to significant uncertainty. It is possible that in the future, certain laws, regulations, policies or rules relating to Digital Assets, blockchain technology, or blockchain applications may be implemented, which would directly or indirectly affect or restrict the services we provide to you.

YOU ARE RESPONSIBLE FOR DETERMINING WHETHER hi World Cup 2022 OR ANY OF OUR SERVICES IS LEGAL IN YOUR JURISDICTION AND YOU SHALL NOT USE hi World Cup 2022 PROGRAM OR ANY OF OUR SERVICES SHOULD SUCH USE BE ILLEGAL IN YOUR JURISDICTION. IF YOU ARE UNCERTAIN, PLEASE SEEK INDEPENDENT LEGAL ADVICE.

We may be forced to suspend or discontinue or to change aspects of the hi World Cup 2022 program or any of our services in any jurisdictions if demanded by the regulators without notice and for whatever reason. In such instance, Digital Assets in your hi World Cup 2022 Account may be frozen for an indefinite period of time until the matter is resolved.

Theft, Hacking and Cyber Attack: Digital Assets may be subject to expropriation, theft and/or fraud; hackers or other malicious groups or organizations may attempt to interfere with our system/network in various ways, including malware attacks, denial of service attacks, consensus-based attacks, Sybil attacks, smurfing, and spoofing which may result in the loss of your Digital Assets, or the loss of your ability to access or control your Digital Assets. In such event, there may be no remedy, and holders of Digital Assets are not guaranteed any remedy, refund, or compensation. It is your responsibility to take precautions to ensure that your use and access to the hi World Cup 2022 Account and the hi Platform are free from viruses and other items of a destructive nature.

Source Code Weakness: There is a risk that the hi Platform or any of our products may unintentionally include weaknesses or bugs in the source code which may adversely affect the hi World Cup 2022.

Tax: The uncertainty in tax legislation relating to Digital Assets may expose you to any currently unknown or future tax consequences, associated with your holding of Digital Assets and the use of our service.

Insurance: The Digital Assets held in your account including your Shi World Cup 2022 programare not protected by any government-backed insurance scheme, including without limitation the Federal Deposit Insurance Corporation (FDIC) or the Canada Deposit Insurance Corporation (CDIC).

Force Majeure: hi shall not be liable for any delay, error, interruption or failure to perform any obligation under this hi World Cup 2022 programT&Cs where the delay or failure is directly or indirectly resulting from any cause beyond our control, including but not limited to (i) acts of God, nature, court or government; (ii) failure or interruption in public or private telecommunication networks, communication channels or information systems; (iii) acts or omissions of acts of a party for whom we are not responsible; (iv) delay, failure or interruption in, or unavailability of, third party services and sites; (v) strikes, lockouts, labour disputes, wars, terrorist acts and riots; and (vi) viruses, malwares, other malicious computer codes or the hacking of any part of the hi hi Platform Services or the hi World Cup 2022 program.

The risks and considerations set out in these hi World Cup 2022 program T&Cs are provided as general information only. You understand and agree that you use the hi Platform and the hi World Cup 2022 at your own risk. This section is not exhaustive and does not disclose all the risks associated with Digital Assets and the use of our services. You should, therefore, carefully consider whether such use is suitable for you in light of your circumstances and financial resources and should consult your own financial, legal or any other advisers.

By participating in the program, each entrant agrees that to the extent permitted by applicable law: (1) any and all disputes, claims and causes of action that cannot be resolved between entrant and any releasee arising out of or connected with the program, or any prize awarded, will be resolved individually, without resort to any form of class action; (2) any and all claims, judgments and awards will be limited to actual third-party, out-of-pocket costs incurred, (if any), not to exceed ten dollars ($10.00), but in no event will attorneys’ fees be awarded or recoverable; (3) under no circumstances will any entrant be permitted to obtain any award for, and entrant hereby knowingly and expressly waives all rights to seek, punitive, incidental, consequential or special damages, lost profits and/or any other damages, other than actual out-of-pocket expenses not to exceed ten dollars ($10.00), and/or any rights to have damages multiplied or otherwise increased; and (4) entrant’s remedies are limited to a claim for money damages (if any) and entrant irrevocably waives any right to seek injunctive or equitable relief.

These official rules shall be governed by the laws of Singapore. Any dispute, controversy, difference or claim arising out of or relating to this Memorandum, including the existence, validity, interpretation, performance, breach or termination thereof or any dispute regarding non-contractual obligations arising out of or relating to it shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre under the Singapore International Arbitration Centre Administered Arbitration rules in force when the Notice of Arbitration is submitted. The seat of arbitration shall be Singapore. The number of arbitrators shall be one. The arbitration proceedings shall be conducted in English.

Notice: Any notice required or made under these hi World Cup 2022 program T&Cs by us to you may be provided through: (i) posting a notice on our website (hi) or hi Platform; or (ii) sending an email to your registered email address. Notices provided through posting on our website or app shall become effective upon posting; and notices we sent by email shall become effective upon sending the email.

Any notice required or made under these hi World Cup 2022 program T&Cs by you to us shall only be made through email in English language. We will accommodate another language if requested by you in writing following receipt of such notice when required by applicable law.

Entire Agreement: This Agreement (together with the Privacy Notice and Cookie Policy) represents the entire agreement between you and us in relation to the use of the services provided by the hi World Cup 2022 program. This Agreement supersedes all prior representations, understandings, agreements, or communications between you and us, whether written or verbal, including any statements published in our whitepaper, regarding the hi World Cup 2022 program.

Your use of other features of the hi Platform shall be governed by the hi Platform T&Cs.

Severability: The invalidity of the whole or part of any provision of these hi World Cup 2022 program T&Cs shall not affect the validity of the whole or part of any other provision of this Agreement, the remaining portions of these hi World Cup 2022 program T&Cs shall remain in full force and effect.

Waiver: The failure by us to exercise or enforce any right or provision of these hi World Cup 2022 program T&Cs shall not constitute a present or future waiver of such right or provision.

Amendments: These hi World Cup 2022 program T&Cs (including fees and charges, if any) may be updated or amended from time to time. We will post any such updates on the hi Platform or website (hi). Such updated terms as posted will take effect immediately unless otherwise indicated. You should regularly check the hi Platform and website to inform yourself of any such changes. By continuing to use the hi World Cup 2022 program after any such changes have taken effect, you are indicating your acceptance of the updated or amended hi World Cup 2022 program T&Cs. If you do not wish to be bound by any changes or amendments to the hi World Cup 2022 program T&Cs, you should stop using the hi World Cup 2022 immediately.

Relationship: By providing the hi World Cup 2022 program service to you does not make us your trustee or investment adviser and no fiduciary relationship exists between us. We have no trust or other obligations in respect of your crypto assets other than those expressly specified in these hi World Cup 2022 program T&Cs.

Third Parties Rights: Other than the Affiliates of hi, a person who is not a party to this Agreement shall have no right under this Agreement.

Transfer and Assignment: You shall not assign, delegate or transfer any rights or obligations under this Agreement, without our prior written consent. Any such assignment, delegation or transfer made without our consent shall be void and invalid. Notwithstanding the foregoing, we reserve the right to assign, delegate or transfer this Agreement and the rights and obligations hereunder to any third party at any time without your notice or consent.

NOTICE: Cryptocurrencies, virtual currencies, and other digital assets are NOT bank deposits, are NOT legal tender, are NOT backed by the government, and accounts and value balances are NOT subject to Federal Deposit Insurance Corporation, Canada Deposit Insurance Corporation, or Securities Investor or any other governmental or government-backed Protection Corporation protections. Legislative and regulatory changes or actions at the State, Federal, or international level may adversely affect the use, transfer, exchange, and value of cryptocurrencies, virtual currencies or other digital assets.