Start Date: 01.01.2026  
End Date: 31.03.2026

Campaign Details:

Earn 3% cashback in loyalty points when you save using Savings Accounts.

How cashback is calculated:
To earn cashback, users must open a “Savings Account(s)”.
* The cashback is calculated based on the number of days your savings account remains active each month.

Interest calculation:
Interest amount = (3%/365) * days your savings account is active * daily ending balance

How to open a savings account:

1. From the app’s home page, navigate to “Savings Account”.
2. Tap on “Open Account” to set up your savings goal.
3. Choose a name for your account and define your goal.
4. Enter your target savings amount and set the due date.
5. Tap “Next”, select the amount you want to save, and you’re all set!

Terms & Conditions:

1. The campaign starts on 01.01.2026 until 31.03.2026.
2. This campaign is available for all Reflect users.
3. Cashback will be calculated on savings after the date funds are added to the savings account.
4. Cashback (3%) will be credited as loyalty points to eligible users’ loyalty accounts within 21 days after the end of each month.
5. The cashback is based on the average balance in your savings accounts by month-end.
6. In order for the users to remain eligible for cashback, the final balance for each month must not be zero. Active savings accounts with a zero balance will be excluded.
7. Users can withdraw or close their savings accounts up to twice per month and still remain eligible for cashback.
8. All existing savings accounts will automatically be eligible once the campaign starts.
9. Users with outstanding financial obligations to Reflect will be excluded from the campaign.
10. For any inquiries, please contact the support team via WhatsApp at +962792777027.
11. Reflect reserves the right to modify or terminate the campaign. Any changes will be announced through the same channels used to promote the campaign.