1. Reinvent Regret Contest (“Contest”) is organised by Liberty General Insurance Berhad (Registration No. 197801007153 (44191-P)) (“LGIB”).
2. This Contest is open for participation from 5 December 2024 until 19 January 2025, both dates inclusive unless notified otherwise (“Contest Period”). LGIB reserves the right to end this Contest any time earlier at its own discretion.
3. The Participant shall read and understand these Terms and Conditions before participating.

  

Eligibility

4. This Contest is open to all Malaysian citizens or permanent residents of Malaysia with minimum age of eighteen (18) years old (“Participants”). To take part in this Contest, Participants are required to fulfil the following requirements:

Steps to follow:

Step 1: Follow Liberty Insurance Malaysia and Kurnia Insurans on Facebook and YouTube.

Step 2: Watch the video (Video 1, 2, or 3) featuring the transformed item.

Step 3: Comment on the respective video post (Facebook & YouTube) with:

• A personal story or reflection about how you reinvented a regret or turned a negative experience into something meaningful.
• Include the hashtag: #ReinventRegret in your comment.

5. The winning comment will be chosen based on:

• Relevance: Alignment with the theme of reinventing regret
• Inclusion of the hashtag: #ReinventRegret

Note: Final judgment rests with a panel of representatives from Liberty Insurance, Kurnia Insurans, and independent advisors.

6. Each participant is only allowed to win once, regardless of the number of their entries. In an event the same participant is selected again, a new name will be drawn as replacement.
7. Winners will be required to verify their identity to win the prize.
8. The selected winners will be announced and published on Liberty Insurance Malaysia and Kurnia Insurans Facebook page.
9. LGIB employees are not eligible to participate in this Contest.
10. The selected winners will also be contacted by our Contact Centre’s Service Academy, Admin team or appointed contracted media agency on Facebook direct message. In the event Liberty Insurance Malaysia and Kurnia Insurans Facebook page are unable to contact the selected winners after three (3) attempts (i.e. no reply on Facebook Direct Message), LGIB reserves the right to select a new winner from the pool of total eligible entries following the same process. LGIB will not be held liable in the event the selected winners are not reachable for whatever reasons.

Contest Prizes

11. Three (3) winners will be selected from the Contest to win the Prizes.
12. The Prizes for this Contest are:

     

    Type	Prizes	Total Giveaways
    Prize for Video 1	Anni Tai Pouch	1
    Prize for Video 2	Kaiyi Wong Artwork	1
    Prize for Video 3	CO2 Artwork	1

13. Winners will be contacted on the platform they entered within fourteen (14) days of contest closure via either:

• Replying to the comment 
• Winner announcement post on Facebook

14. Winners must respond within five (5) calendar days of the winner’s announcement to claim their prize.
15. The selected winner is responsible for ensuring that they have provided accurate information of their full name, mobile phone number and/or email address to receive the Prizes. Should the confirmed winner decide to provide a third party’s phone number and/or email address, LGIB will not be liable for the receipt of Prizes via the third party. The selected winners are responsible to redeem the Prizes within the prescribed validity period of the Prizes.
16. Winners will receive their transformed art piece at a designated location which will be duly informed. A release form acknowledging receipt of the prize will need to be signed by the selected winner(s).
17. LGIB reserves the right, as deemed fit, to substitute the prizes with another product of similar value without prior notice.
18. The Prizes are not transferable, nor exchangeable for cash or credit or kind whether in part or in full.

  

Other General Conditions

19. Unless otherwise notified, this Contest will end at 11.59pm on 19 January 2025, and the Prizes will be disbursed by 19 February 2025 (“Disbursement Period”), after which this Contest will be terminated. No further disbursements of prizes shall be made and no claims related to this Contest will be entertained after 5 March 2025.
20. LGIB reserves the right (at its own discretion) to disqualify any participant and/or withhold or confiscate in full or part the Prizes if the participant is found to be or reasonably suspected of participating in any form of fraudulent practice (including but not limited to false identities, doctoring images, willful spamming or manipulation of any of LGIB’s processes, or website).
21. Where LGIB suspects a participant is participating in any form of unlawful and/or fraudulent activity, LGIB reserves the right to report such activity or suspicion to the police or relevant authorities.
22. LGIB reserves the right to vary the terms and conditions of this Contest without any prior notice. LGIB may withdraw or discontinue this Contest at any time without giving prior notice and without incurring any liability.
23. LGIB reserves the right to change the Contest Period and/or Disbursement Period if the launch of this Contest is delayed and shall have no liability for the same.
24. Any cancellation, termination, withdrawal, or suspension by LGIB of this Contest shall not entitle the Participants to any compensation against LGIB for any reason whatsoever due to loss, claim or damage that may be suffered or incurred by the Participants as a direct or indirect result of the act of cancellation, termination, withdrawal, or suspension.
25. LGIB’s determination of all matters relating to this Contest shall be final and conclusive and in the event of any inconsistency between these Contest Terms and Conditions and any marketing or promotional materials relating to this Contest, these Contest Terms and Conditions shall prevail.
26. LGIB would like to alert the Participants to take reasonable precautions when receiving any phone calls and messages requesting their personal information during and/or after this Contest. LGIB would also like to advise our valued Participants to call our Customer Centre for verification regarding this Contest.
27. By participating in this Contest, you hereby give consent for your personal data and/or information to be collected, processed, used, retained and disclosed in accordance with the Personal Data Protection Act 2010 (“PDPA”). Please refer to our full Privacy Notice on www.libertyinsurance.com.my, www.kurnia.com or www.amassurance.com.my for further information.
28. Selected winners who do not receive their prizes within the stipulated timeline are advised to Direct Message our Liberty Insurance Malaysia or Kurnia Insurans Facebook Page.
29. These Contest terms and conditions are governed by and construed under the Laws of Malaysia.