(v.20260126)

This document regulates the operation of the MB WAY loyalty program, entitled MB WAY UP! This Regulation, as well as any future update or amendment, come into force from the moment of publication on the MB WAY website (https://www.mbway.pt). Continued participation in the loyalty program ensures knowledge and unreserved acceptance of these Regulations, the Terms and Conditions of MB WAY as well as other regulations incorporated therein by reference.

SIBS / SIBS FPS – SIBS Forward Payment Solutions, S.A., owner and manager of the MB WAY Service, which is made available to users on behalf of the Bank or Financial Institution with which the user has contracted the provision of the MB WAY Service.
MB WAY / MB WAY APP – Computer application developed by SIBS FPS for mobile devices, installable from the Apple Store and Google Play and identified with the name MB WAY, which allows the User to carry out the functionalities available in the MB WAY Service.

User – User of the MB WAY APP, identified through their login to the application.

Participant – User of the MB WAY APP who accepts to participate in MB WAY UP!

MB WAY Community / Community – All Users of the MB WAY APP.

MB WAY UP! – contest promoted by SIBS, in line with its Mission, Vision and Values, with a view to fulfilling the following objectives:

• encourage growth and giving back to the MB WAY Community, by promoting the adoption of the MB WAY APP and the diversification of its advantages for each User;
• foster the relationship and involvement of the MB WAY Community with the brand and the MB WAY Service, with a view to increasing User satisfaction;
• promote to the MB WAY Community and inform in general about reliability, security and innovations in the field of electronic payments and;
• To disseminate to the Users of the MB WAY APP the best practices in the use of electronic payments.

SIBS Forward Payment Solutions, S.A., headquartered at Alfrapark, Edifício E, Estrada de Alfragide, nº67, 2610-008 Amadora, Lisbon, registered with the single legal person number 505107546, at the Commercial Registry Office of Lisbon.

The CHALLENGE starts on September 22, 2021 and will last indefinitely. SIBS FPS reserves the right to unilaterally terminate MB WAY UP!, informing about the end date 15 days in advance. On May 27, 2024, CHALLENGE changes its name to MB WAY UP! for users of the MB WAY app with version 2.25.0 or later. The prizes and other rights of the Participants not redeemed on the date of the closure of MB WAY UP!, will be considered cancelled and without effect as of the date of the closure of MB WAY UP!

The contest is intended for all natural, adult and autonomous persons who enjoy the MB WAY service made available from the MB WAY APP and who agree to participate in MB WAY UP!
Participation is absolutely free and voluntary. Under no circumstances can any amount be charged for participation. Participation is not mandatory for all users of the MB WAY APP and cannot be forced by any means. There is no type of loyalty, duty of permanence, mandatory minimum use or any other instrument that prevents users from giving up their participation in the competition.

Participants in the MB Challenge (contest ending on August 31, 2021), are considered automatically registered in the MB WAY UP! For the remaining Users, participation in MB WAY UP! takes place from the moment of opt-in to the competition, which can be carried out through the MB WAY UP! on the MB WAY APP.
Once the previous assumption is fulfilled, an MB WAY UP! corresponds to a User of the MB WAY APP under the terms expressed by the Terms and Conditions of use of the MB WAY APP. The use of the MB WAY service made through the MB WAY app or through the app of the user’s bank or banking institution is valid for MB WAY UP!

Participation in MB WAY UP! results from the normal use of the MB WAY service, through the MB WAY APP and through the app of the user’s bank or financial institution.
All the dynamics and processes of MB WAY UP! are related to the normal use of MB WAY, the MB WAY Community and/or the MB WAY Partners, and cannot be used alone or for purposes other than the provisions of this Regulation.
The participation of MB WAY UP! implies a commitment by the Participants to maintain a moderate, reasonable and responsible use of the MB WAY service, proportional to the normal need to use the operations made available by MB WAY. The irregular use of the MB WAY service that leads to the continued and disproportionate obtaining of advantages in MB WAY UP! will lead to the application of restrictions on the normal use of the competition, without prejudice to other applicable measures. For this purpose, the following are considered to be signs of irregular use: the splitting of an operation (transfer, payment, withdrawal, etc.) into multiple operations, the concentration of purchases with high frequency in a few merchants, the repeated and continuous use of MB WAY as a way of loading wallets and other financial tools, among others.

The acceptance to participate in MB WAY UP! reserves the right to disclose the MB WAY UP! user code on its channels to communicate the prizes awarded.

After accepting the participation in MB WAY UP!, any Participant may, at its sole discretion, cancel such acceptance in the MB WAY APP. All prizes and other rights of the Participants not redeemed on the date of cancellation of acceptance of participation in MB WAY UP! they are immediately considered cancelled and without effect.

Participants will accumulate ‘Raspa E Ganha’ Vouchers with the normal use of the MB WAY app, with payments by MB WAY through the bank or financial institution’s app and with the activation of promotional codes resulting from:

• activities of the MB WAY UP! itself;
• initiatives with the partners who at any given time participate with MB WAY in the enrichment of the proposals made to the Community.

For MB WAY payments made through the bank’s or financial institution’s app, the ‘Raspa E Ganha’ Vouchers will be credited to MB WAY UP! of the user whose mobile phone number is the same as the number associated with the card with which the payment was made.
The specific eligibility of each type of operation and the number of ‘Raspa E Ganha’ Vouchers awarded for each type of operation will be what is stated at any time in Annex I of this regulation.
The attribution of the ‘Raspa E Ganha’ Vouchers in the MB WAY UP! On the MB WAY APP, it will be done, under normal circumstances, between 15 (fifteen) and 90 (ninety) minutes from the moment the operation that justifies them takes place.

The ‘Raspa E Ganha’ Vouchers collected by the Participants are a reflection of the vitality of the entire MB WAY Community. O MB WAY UP! will give back to the MB WAY Community as the operations carried out by it grow, on a regular basis and in a promotional way.
To win the prizes offered at MB WAY UP!, Participants will have to activate their ‘Raspa E Ganha’ Vouchers in accordance with the dynamics contained in this Regulation. The activation of the ‘Raspa E Ganha’ Vouchers is done through the action of scratching the available area. The skill in choosing the moment of activation of the ‘Raspa E Ganha’ Vouchers and the speed of activation (compared to the other Participants) will be the fundamental criterion for awarding the Prizes available at each moment.

The ‘Raspa E Ganha’ Vouchers will be valid for 7 (seven) days – 168 (one hundred and sixty-eight) hours – from the date and time they were awarded to the participants. If they are not activated within their validity, they are considered expired and will be removed from MB WAY UP!

On a regular basis, MB WAY UP! will give back to the MB WAY Community, in the form of:

• monetary prizes;
• ‘shopping vouchers/discounts’ in MB WAY partners.

The time when Participants must activate their ‘Raspa E Ganha’ Vouchers is defined in Annex II Table I of these Regulations. The amount of the monetary prize and/or the ‘shopping voucher/discounts’ to be received for each winning ‘Raspa E Ganha’ Voucher is set out in the same Annex II Table I.

The value of the monetary prizes received for the activation of ‘Raspa E Ganha’ Vouchers will be accumulated in the MB WAY APP, and shown within the MB WAY UP! entitled ‘Saldo’.

Monetary prizes (by form of value) are accumulated to the Total Balance of MB WAY UP! and are made available immediately for redemption.

The non-cash prizes will be made available immediately to the participants, and the Participant can later access them in the Profile area > ‘Os meus prémios’ in MB WAY UP!.
The specific Terms and Conditions of each ‘voucher’, their validity and the way in which they can be used will be as set out in each validity and conditions present in the prize detail.

In a non-regular way, MB WAY UP! will make available on ‘Raspa E Ganha’ extra prizes, consultable (name and value) through the list of upcoming prizes on the ‘Raspa E Ganha’ screen. These offers may take the form of monetary prizes or ‘shopping vouchers/discounts’ and will be added to the prizes in force that can be consulted in Annex II Table I of this Regulation.

Each participant can win up to a maximum of 1 (one) ‘Raspa E Ganha’ prize per day. This limit applies to the set of regular daily prizes won, with the possibility of winning an unlimited number of non-regular prizes on the same day.

In a non-regular way, MB WAY UP! will provide a set of own or partner campaigns in order to offer a set of prizes to its users.
These campaigns, unless clearly stated in the details of these campaigns, will be guaranteed prize campaigns, referred to as ‘Cashbacks Parceiros’ and/or ‘Desafios’.
Each of these campaigns will have its own Terms & Conditions made available to all participants who can participate in them, being aware of the details of the campaign from its beginning.
There may be 3 types of awards in this type of campaigns:

• cashback prizes (monetary prizes resulting from a % cashback of the MB WAY service operation carried out);
• monetary prizes (absolute value);
• ‘shopping vouchers/discounts’ in MB WAY partners.

Participation in this type of ‘Desafios’ and/or ‘Cashbacks Parceiros’ campaigns may or may not be intentional: to start a ‘Desafio’ the Participant must START it, giving a clear indication that they intend to start that ‘Challenge’; to start a ‘Cashback Parceiro’, the Participant automatically starts their participation in it, without prejudice to the Participant, when the campaign is made available on their MB WAY UP!

After the start of the campaign, the Participant will, pending the execution of the MB WAY service operations carried out, receive a guaranteed prize voucher, according to the indications given and the Terms & Conditions of the same campaign.

Each participant, if they wish, will be able to access a list of prizes redeemed by all participants in the contest at any time through MB WAY UP! (‘Prémios’ > ‘Prémios Atribuídos’ icon) or through MB WAY UP! (homepage MB WAY UP! ‘Prémios Atribuídos’).

Redemption, in the case of ‘Desafios’, will be carried out through a ‘click’ on the banner that will appear on your homepage MB WAY UP! after the prize is made available or on the campaign detail screen; in the case of ‘Cashbacks Parceiros’ it will be carried out by scratching off the voucher alluding to the campaign with a guaranteed prize as indicated in the Terms & Conditions of the Campaign.

Monetary prizes (in the form of absolute value or cashback – % of the transaction value made) are accumulated to the Total Balance of MB WAY UP! of the Participant, which may be available immediately or after a few days in the Participant’s Available Balance, as indicated in the Terms & Conditions of the campaign. In case of omission of reference to the number of days pending the availability of the prize in the Available for redemption Balance, the prize is considered to be available for redemption immediately after accumulation.

If there is a valid reason, according to the violation of the Terms & Conditions of the campaigns, MB WAY may cancel the monetary prize that is in the pending period, and the operation will be registered in the ‘Os meus prémios’ tab with the reason for cancellation.

The ‘shopping vouchers/discounts’ prizes are available immediately after accumulation and can be consulted at any time in the Participant’s ‘Os meus prémios’ area.

The non-regular prizes of  ‘Desafios’ and/or ‘Cashbacks Parceiros’ campaigns raised by the participation of users in them, will be valid for 15 (fifteen) days from the date and time they were awarded to the participants. If they are not accumulated within their validity, they are considered expired and will be removed from MB WAY UP! The expiration date of these prizes may be personalized to the campaign, and this change must be indicated in the Terms & Conditions of the same and prevailing under the rule of 15 days of validity in case of omission.

At any time, other promotional prizes may be made available, as a result of specific and special initiatives by MB WAY and/or its partners.
The promotional prizes will be announced on the MB WAY website and on the MB WAY and MB WAY UP! communication channels. The specific definition of the prizes to be awarded, the amount to be awarded, as well as the process for delivering them will be included, in each case, in the information provided regarding each award.

The ‘Já Ganhaste’ balance is indicative of the amount accumulated by the Participant in cash prize balance (Total Balance) with the value of all ‘shopping vouchers/discounts’ prizes, since the Participant’s opt-in to the Competition. For example, if the Participant has accumulated a ‘shopping voucher’ prize worth €5 and €2 in cashback cash prize, the Participant’s ‘already won’ balance will indicate €7.

‘Saldo Total’ is considered to be all the monetary balance accumulated by the Participant, regardless of the availability of the prizes. You can thus indicate the sum between the Participant’s Outstanding Balance and Available Balance.

The ‘Saldo Pendente’ reflects the sum of all prizes accumulated by the user that are in the pending period.

The period of pendency of the prizes is made to the campaign and only applied to the monetary prizes (in the form of absolute value or cashback – % of the value of the transaction made) that are accumulated to the Total Balance of MB WAY UP! of the Participant. The pendency period for the prize money of the campaign is clearly defined in the Terms & Conditions of the promotion. In case of omission of reference to the number of days pending the availability of the prize, it is considered that the prize is made available immediately in the Participant’s Available Balance after accumulation.

The end of the pendency period for the prizes, indicated in date format on the Participant’s balance screen reflects the transition to the ‘Available Balance’ with no change in the amount indicated in the ‘Total Balance’. An example is if the Participant has accumulated a monetary prize of €5 on June 1, 2025 (with the prize availability date on June 5, 2025) and, on the same day, has accumulated €2 in cashback monetary prize (with the prize availability date on June 8, 2025), provided that you have not won any other prize before, the ‘already won’ balance will indicate €7, the Total Balance will indicate €7, the Outstanding Balance will indicate €7 and the Available Balance will indicate €0. On June 5, 2025, the €2 cash prize will be carried over to the Available Balance, so on the same day, if no prizes have been accumulated since June 1, 2025, the ‘already won’ balance will indicate €7, the Total Balance will indicate €7, the Pending Balance will indicate €2 and the Available Balance will indicate €5.

If there is a valid reason, according to the violation of the Terms & Conditions of the campaigns, MB WAY may cancel monetary prizes (in the form of absolute value or cashback – % of the transaction value made) that are in the pending period, and the operation will be registered in the ‘Os meus prémios’ tab with the reason for cancellation. If there is this cancellation operation, the value of the monetary prize is cancelled from the Total Balance and the Pending Balance, without there being a transition of the monetary prize amount to the Available Balance.

The Available Balance reflects the accumulated value of the unexpired monetary prizes (in the form of absolute value or cashback – % of the value of the transaction made), which are available for the user to redeem for the card associated with their MB WAY.

From the minimum amount of 10 (ten) euros accumulated (in one or more prizes), and in multiples of 10 (ten) euros, the Participant may request the Redemption of the accumulated Available Balance.
The payment of the Ransom will take place via an MB WAY transfer to the Participant’s MB WAY Service.
If the Participant has a version of the MB WAY app prior to 2.25.0, accessing the CHALLENGE, he/she must request the Redemption in the ‘Prizes’ menu. If the Participant has a version of the MB WAY app 2.25.0 or later, he/she must access MB WAY UP! and request the Redemption on the red button indicating your balance on the MB WAY UP! For both cases, after indicating that you wish to make the Redemption, you must then make a payment with MB WAY (in the minimum amount of 1 (one) euro) within 48 (forty-eight) hours following. After payment, the transfer must take place in the shortest possible period, and should not, under normal circumstances, exceed 12 (twelve) hours from the date/time of the request.
In the event of a failure in the operation of the giveaway for technical, legal or other unforeseeable and/or unexpected reasons that prevent SIBS from considering an MB WAY payment for validation of a particular Redemption, the Participant must make another payment within the same period.
In the event that the Participant does not pay within the established period, the balance MB WAY UP! will be made available again in your Available Balance and you will be able to repeat the Redemption process.
It is not possible to request multiple Redemptions at the same time and Redemption requests are limited to a maximum amount of €20 per Redemption. The processes initiated must be completed (with or their success) before the opening of new Ransom requests.
In the event that the Participant has more than one card in their MB WAY Service, or if the amount redeemed is equal to or greater than 50 euros, to complete the Redemption, the Participant must accept the transfer of the redemption from the ‘Activities’ tab of the MB WAY APP, within 48 (forty-eight) hours from the moment of notification. At this time, the Participant will be able to choose the card on which they wish to receive the redemption.
In the event of an error or impossibility to make the transfer, the Participant will be contacted in order to indicate a viable method of completing the transfer, or the amount redeemed will be made available again in the Participant’s ‘Balance’.
Entrants who have breached the competition’s fair use policy will be barred from requesting a Withdrawal of Available Balance for as long as restrictions on normal use of the competition last.

The Redemption of Available Balance must be made within 2 (two) years after the date of availability of the prize in the Participant’s Available Balance. Amounts in Available Balance not redeemed within this time will be deemed expired and taken from the Total Balance and Available for Redemption Balance. On the balance screen, the user is informed of the date and amount of the expiring Available Balance cash prizes. The Participant may, at any time, prior to the indicated expiration date, proceed with the Redemption of the Available Balance in order to avoid the expiration of these amounts.

It will be possible for any MB WAY UP! the addition and/or personalization of loyalty cards from MB WAY partners and/or others.
Each participant will be able to access this area and select the partner they want or create ‘Other’, entering the desired loyalty card number and being saved in their MB WAY UP! and accessible at any time by the Participant.
The Participant may add as many cards as he/she wishes.
The insertion of the number and partner of the loyalty card is the sole responsibility of the Participant, and there is no validation of the MB WAY UP! If desired, the Participant may change the card number after its creation or even delete it.
For a reasonable reason, MB WAY may increase under the premise of offering participants or eliminate a loyalty card from them, as well as change the settings of the added partner.

SIBS guarantees the confidentiality of the personal data of the Participants of MB WAY UP!, in line with the privacy policies of the MB WAY Service. The data collected within the scope of MB WAY UP! are intended solely to serve the purposes of the contest itself, and the rights of access, rectification and deletion of data are guaranteed, under the terms of the applicable legislation, by the same instruments that appear in the Terms and Conditions of MB WAY. Only for the purpose of determining the attribution of the prizes regulated in clause 5.2 above, information regarding the frequency, amounts or locations of the Participants’ MB WAY operations may be kept, used or disclosed within the scope of MB WAY UP!. All participants authorize the disclosure, within the MB WAY UP! of the MB WAY APP and in any MB WAY communication medium, of the name chosen in the context of MB WAY UP!, for the purposes of documentation of prizes awarded and information about the competition.

SIBS is not responsible for the content introduced by the Participants in the MB WAY UP! area, namely name, telephone contact, e-mail and others. It is the sole responsibility of the Participants to maintain their accuracy and correctness. The impossibility of contacting the Participant resulting from the absence or errors in this information excuses SIBS from delivering the Prizes due to the Participant.
SIBS reserves the right to unilaterally exclude, without prior notice and at any time, Participants whose activity indicates fraudulent, illegal behavior, that violates these Regulations or that manifestly goes beyond the purpose of the Contest. Thus declared, all the Participant’s activity is considered cancelled and without effect.
SIBS excludes any obligation to repair damages of any nature that may occur due to failure in the operation of the contest for technical, legal or other unforeseeable and/or unexpected reasons.
In cases not covered by this regulation, the decision taken by SIBS shall prevail.
SIBS is not responsible for graphical errors.
It is clarified that SIBS is only obliged to provide participants with the information necessary for them to verify the correct functioning of the contest under the terms of this regulation, and it is not required to provide other information that goes beyond such verification.
MB WAY UP! it is not in any way related to the entities that represent the Operating Systems of the equipment where MB WAY is installed, namely Apple, Google or others.

A.1. ‘Raspa E Ganha’ Vouchers

The attribution of Scratch E Win Vouchers by type of activity will be made according to the following table, up to a maximum of 20 Vouchers per Participant in physical channel payments (through QR Code, NFC or MB WAY pulse operators) per day, and up to a maximum of 10 vouchers per Participant in online channel payments (through the Mobile Number or Authorized Payments operation) per day:

A.2. ‘Raspa E Ganha’ Vouchers Awarded on account of Special and Promotional Codes

The insertion, in the field available on the MB WAY APP, of Promotional Codes by the Participants will result in the attribution of a variable number of Vouchers, depending on the code used.

A.2.1. Promotional codes resulting from the activities of MB WAY UP!

The following tables, available for permanent consultation, indicate the dates and times when prizes will be awarded to activated Scratch E Win Vouchers. Participants should consult them to choose the best moments to activate their ‘Raspa E Ganha’ Vouchers.
Up to a limited amount, each entrant can win up to one (1) prize per day.
If possible, the main prizes will be publicized by the usual MB WAY media in order to alert all Participants to the best opportunities.

Table I – Regular Prizes Scratch and Win Schedules

These awards are repeated every hour of every day that MB WAY UP! is active. The Prize Values may refer to Available Balance values that are available on MB WAY UP! of each Participant, for subsequent Redemption, or to Discount Vouchers in purchases with MB WAY Partners.

Table II – Extra Regular Prizes

The prizes included in this table take place solely and exclusively on the day and time announced, being cumulative with the hourly prizes, and follow the following attribution logics: