Terms and Conditions:

1. For qualified transactions, Home Credit loans disbursement through Palawan Pawnshop and paid via PalawanPay verified account and/or over the counter to any Palawan Pawnshop Branches, the prize will be awarded to the registered name and PalawanPay mobile number used for payment.
2. Winners shall be notified via registered mail and SMS. To claim the prize, winners must acknowledge the verification from Palawan Group and or reach out after posting via the social media announcement.
3. Promo only applies to all successful Home Credit loan disbursement through Palawan Pawnshop and successful payment transactions via PalawanPay or any Palawan Pawnshop Branches. Cancelled or failed transactions will not be qualified.
4. All taxes (including 20% withholding tax for prizes exceeding P10,000.00) and other expenses that will be incurred for the prize shall be shouldered by Palawan Group.
5. The promo offers and prizes are not transferable. Claiming a prize through an authorized representative is not applicable. Claiming of promo offers and prizes should be within 2025 only.
6. This promo is valid for Home Credit loan disbursement via Palawan Pawnshop and loan payment transactions only. The offer cannot be used with other existing promotions.
7. All employees of Palawan Pawnshop Group/PalawanPay & participating biller (Home Credit) are ineligible to participate in this offer.