Terms and Conditions

These Terms and Conditions govern the participation of Retailers in the Swarna Shakthi Retailer Loyalty Program operated by Dialog Axiata PLC.

BACKGROUND — AMENDMENT AND RESTATEMENT

• These Terms and Conditions amend, restate and replace in their entirety the 2024 Swarna Shakthi Reward & Loyalty Program General Terms and Conditions for Retailers.
• The Program continues in operation without interruption, and these Terms and Conditions do not create a new or separate program.
• All Points validly accrued by a Retailer under the previous terms and conditions up to the Effective Date are carried forward and shall remain valid and capable of redemption, subject to and in accordance with these Terms and Conditions, including the provisions on the validity, expiry and redemption of Points.

1. DEFINITIONS AND INTERPRETATION

1.1. In these Terms and Conditions, unless the context otherwise requires, the following definitions apply:

• "Bonus Point" shall mean an additional point awarded to a Retailer upon reaching the required range specified in the previous Swarna Shakthi marketing materials;
• "CBSL" shall mean the Central Bank of Sri Lanka;
• "Dialog" shall mean Dialog Axiata PLC, a company duly incorporated under the laws of Sri Lanka bearing company registration number PQ38 and having its registered office at No 475, Union Place, Colombo 02;
• "Dialog Finance" or "DF" shall mean Dialog Finance PLC, the licensed finance company through which the Dialog Finance Account is maintained;
• "Dialog Finance Account" shall mean the savings account maintained by a Retailer with Dialog Finance into which the cash value of Points is transferred under the Program;
• "Dialog Pay" shall mean the digital payment platform and associated services provided by Dialog Axiata PLC, currently branded as “Dialog Pay” and previously branded as “Genie” that enables users to conduct permitted financial transactions subject to applicable laws and regulations (as introduced and amended from time to time) and applicable terms and conditions;
• "Effective Date" shall mean 7th September 2026;
• "Point" shall mean a loyalty point awarded to a Retailer under the Program in accordance with these Terms and Conditions;
• "Program" shall mean the Swarna Shakthi Retailer Loyalty Program operated by Dialog;
• "RH App" shall mean the Retail Hub application through which a Retailer accesses the Program;
• "Retailer" shall mean an authorized person/entity that sells telecommunication services for Dialog and who is categorized/classified as a retailer in the Dialog system;
• "PMS ID" shall mean the profile management system ID;
• "Redemption Period" shall mean the period during which Dialog permits the Retailer to utilize or redeem the accumulated Points, as determined by Dialog from time to time.

1.2. Clause headings are for convenience only and do not affect interpretation.

1.3. Words importing the singular include the plural and vice versa, and references to a person include a body corporate.

1.4. A reference to any statute or statutory provision includes that statute or provision as amended, re-enacted or replaced from time to time.

2. ELIGIBILITY FOR THE REDEMPTION

2.1. Only Dialog Retailers who are registered and classified as eligible in the Dialog system are eligible to participate in the Program.

2.2. To redeem the cash value of Points, a Retailer must open and maintain a Dialog Finance Account with Dialog Finance via Dialog Pay and provide the account details to Dialog through the RH App.

2.3. At the time of opening the Dialog Finance Account, the opening of the account via Dialog Pay is subject to the customer (retailer) onboarding, customer due diligence and know-your-customer requirements of Dialog Finance and applicable CBSL directions, and Dialog gives no assurance that any application for a Dialog Finance Account will be approved.

3. AWARD AND CALCULATION OF POINTS

3.1. A Retailer shall be awarded a value of Sri Lankan Rupees One (LKR 1.00) per Point received under the Program.

3.2. With effect from 1st October 2026, bonus points shall be removed from the Point calculation, and no bonus points shall be awarded thereafter.

3.3. With effect from 1st October 2026, transactions performed through recharge cards shall not be considered to generate Points.

3.4. A Retailer shall be able to check the total Points accumulated under the Program through the RH App or such other application or platform as Dialog may designate from time to time.

3.5. Points are personal to the Retailer, have no cash value except when redeemed in accordance with these Terms and Conditions, and are not transferable or assignable to any other person or account, whether by sale, gift or otherwise.

3.6. Points shall be generated and accumulated on the basis of the main PMS ID (being the relevant Retailer profile), including transactions performed by sub-agents. All sub-agent Points shall be added to the main PMS ID, and all sub-agents shall be liable to the main PMS ID.

4. VALIDITY AND EXPIRY OF POINTS

4.1. Points shall remain valid for a period of three (3) years from the date on which such Points are earned and shall expire upon the third anniversary of the date of accrual, provided that such three (3) year expiry shall apply only where, and to the extent that, Dialog does not carry out a redemption program during that period. Where Dialog carries out a redemption program during the said period, the Points shall remain valid and capable of redemption in accordance with the terms of such redemption program. Upon expiry, such Points shall cease to be valid, shall no longer be eligible for use or redemption, and shall have no monetary or other value, irrespective of whether such Points continue to be reflected in the system. Dialog reserves the right, at its sole discretion, to retain expired Points in the system and may notify Retailers of the impending expiry and/or removal of such Points. Dialog may thereafter, on a date determined by Dialog, remove, cancel, flush, or otherwise clear such expired Points from the system.

4.2. Retailers are strictly required to redeem the Points remaining up to 30th June 2026, and partial point transfers are not permitted.

4.3. Any Points not redeemed by the applicable deadline or which have otherwise expired shall be forfeited and shall carry no value.

5. REDEMPTION METHOD

5.1. With effect from the Effective Date, a simplified redemption method shall apply. Redemption of gifts and access to related Program functions may be made through the RH App or such other application, platform, or channel as may be designated by Dialog from time to time. Retailers shall have no right to make any claim, demand, or entitlement arising from or in connection with any historical or previous redemption methods.

5.2. To redeem Points, a Retailer shall:

• open a Dialog Finance Account with Dialog Finance in accordance with clause 2;
• give consent to the transfer of Points and, once the Dialog Finance Account is successfully created, enter the account details into the RH App; and
• upon the Dialog Finance Account being linked in the RH App, have the cash value of the Retailer's Points transferred (converted) into the Dialog Finance Account.

5.3. A Retailer may transfer only Points earned up to 30th June 2026 into the Dialog Finance Account.

5.4. Partial point transfers are not permitted. A Retailer must transfer the entire eligible Point balance in a single transaction.

5.5. Only redemptions made during the Redemption Period may have the equivalent value of the Points credited to the Retailer's Dialog Finance Account through the opening of such account. The crediting of such equivalent value shall not be permitted in any future redemption. Any Points that are not redeemed shall expire upon the expiry of three (3) years from the date on which such Points were accrued, and from that date shall carry no value and cease to be available to the Retailer for any purpose, whether or not they continue to appear in the system until cancelled and permanently removed by Dialog.

5.6. Once Points are converted to cash and transferred to the Dialog Finance Account, the funds may be used by the Retailer in accordance with the terms and conditions of Dialog Finance governing the Dialog Finance Account, including the use of a Dialog Finance debit card and transfers to other accounts.

5.7. For the avoidance of doubt, Points accrued after 30th June 2026 are not eligible for conversion into cash and may only be redeemed through such further redemption method (if any) as Dialog may introduce and notify from time to time, failing which such Points shall expire and be forfeited in accordance with the provisions on the validity and expiry of Points.

6. CONSENT, PERSONAL DATA AND THIRD-PARTY TERMS

6.1. The Retailer consents to the collection, use, storage and sharing of its personal and account information by Dialog and Dialog Finance for the purposes of operating the Program, opening and linking the Dialog Finance Account, transferring the cash value of Points, and complying with applicable law and regulatory requirements.

6.2. Privacy Notice: Dialog may collect, and may be required to collect, personal data provided by the Retailer as part of the Program. In all such instances, Dialog will process this personal data in accordance with Dialog's Privacy Notice available at https://www.dialog.lk/legal (as updated from time to time). The Retailer is required to review and accept the Privacy Notice prior to providing any personal data to Dialog.

6.3. Dialog Finance Account - Third-Party Product Disclaimer:
The Dialog Finance Account is a product of Dialog Finance PLC, a separate legal entity and a licensed finance company regulated by the Central Bank of Sri Lanka and is governed exclusively by the terms and conditions of Dialog Finance (including any applicable fees and charges). The Retailer's relationship in respect of the Dialog Finance Account is solely between the Retailer and Dialog Finance. Dialog makes no representation, warranty or recommendation regarding the Dialog Finance Account and does not provide any financial or investment advice to the Retailer. Dialog shall not be liable for the opening, approval, rejection, operation, maintenance, availability, suspension or closure of any Dialog Finance Account, or for any act or omission of Dialog Finance, and no such matter shall give the Retailer any claim against Dialog or any right to redeem Points other than in accordance with these Terms and Conditions.

7. TAXES

7.1. All taxes, levies and charges arising in connection with the award, redemption or conversion of Points, including without limitation any value added tax, social security contribution levy and withholding tax, shall be the liability of the Retailer.

7.2. Dialog shall be entitled to deduct or withhold from any payment or transfer under the Program any amount that Dialog is required to deduct or withhold under applicable law, and to remit such amount to the relevant authority.

8. VARIATION, SUSPENSION AND WITHDRAWAL OF THE PROGRAM

8.1. The Program is conducted at the sole discretion of Dialog, and Dialog has the full authority to withdraw the Program at any time at its sole discretion.

8.2. Dialog reserves the right to modify these Terms and Conditions, the Point structure, or any other aspect of the Program at any time, with or without prior notice.

8.3. In the event of deactivation of a Retailer's account or termination of the Retailer's relationship with Dialog, all accumulated Points shall be forfeited.

8.4. Dialog may at any time verify, adjust, reverse, cancel or withhold Points (and any corresponding cash value) that have been awarded or credited in error, as a result of any system or processing error, or in connection with any fraudulent, manipulated, cancelled or reversed transaction, or any breach of these Terms and Conditions.

8.5. Dialog may suspend or exclude a Retailer from the Program, and forfeit that Retailer's Points, where Dialog reasonably suspects fraud, abuse or breach of these Terms and Conditions.

8.6. The Retailer shall have no conferred right to claim or take any legal action against Dialog in the event the Program is suspended without prior notice. In the event of any such suspension, the redemption of Points shall be at the sole discretion of Dialog.

9. LIMITATION OF LIABILITY

9.1. To the maximum extent permitted by applicable law, Dialog shall not be liable to any Retailer for any loss, damage, cost or expense of any kind whatsoever (whether direct, indirect, incidental, special or consequential) arising out of or in connection with the Program, the Points or their award, calculation, validity, expiry, redemption or conversion, the RH App, the Dialog Finance Account, or any variation, suspension or withdrawal of the Program, howsoever arising and whether in contract, tort (including negligence), breach of statutory duty or otherwise. The Retailer participates in the Program entirely at its own risk.

10. INDEMNITY

10.1. The Retailer shall indemnify and keep indemnified Dialog, and hold Dialog harmless, against all losses, damages, liabilities, claims, demands, costs and expenses (including reasonable legal fees) suffered or incurred by Dialog arising out of or in connection with:

• any breach by the Retailer of these Terms and Conditions or of the clauses incorporated by reference;
• any fraud, negligence, willful misconduct or misuse of the Program, the RH App or the Dialog Finance Account by the Retailer;
• any violation by the Retailer of any applicable law or of the rights of any third party; and
• any inaccurate, incomplete or misleading information provided by the Retailer to Dialog or Dialog Finance. This indemnity shall survive the termination, suspension or withdrawal of the Program and the Retailer's participation in it.

11. GOVERNING LAW AND JURISDICTION

11.1. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Democratic Socialist Republic of Sri Lanka.

11.2. The courts of Sri Lanka shall have jurisdiction to determine any dispute arising out of or in connection with these Terms and Conditions.

12. GENERAL

12.1. If any provision of these Terms and Conditions is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

12.2. Dialog's failure to enforce any provision shall not constitute a waiver of that or any other provision.

12.3. These Terms and Conditions amend, restate and supersede, with effect from the Effective Date, all prior terms and conditions relating to the Program, provided that Points validly accrued by Retailers under the previous terms and conditions are carried forward and preserved as set out in the Background section of these Terms and Conditions. These Terms and Conditions constitute the entire agreement between Dialog and the Retailer in relation to the Program.

12.4. Nothing in these Terms and Conditions shall create or be deemed to create any partnership, agency, joint venture or employment relationship between Dialog and the Retailer, and neither party has authority to bind the other.

12.5. These Terms and Conditions are published in the Sinhala, Tamil and English languages. In the event of any inconsistency, the English text shall prevail.

12.6. The anti-bribery and anti-corruption, sanctions, information security, network access, and data protection clauses published at https://www.dialog.lk/legal are incorporated by reference and form an integral part of these Terms and Conditions. The Retailer acknowledges review of and agrees to comply with these incorporated clauses as updated from time to time.