on your first
international transfer!
1.1 Please read these Terms and Conditions carefully before participating in the myZoi Send Money Home, Win Big Campaign (the “Campaign“).
1.2 In these Terms and Conditions, “you” refers to any individual using myZoi services, while “we,” “our,” and “us” refer to myZoi.
1.3 “CBFT” means a cross-border fund transfer (international money transfer) initiated and successfully completed through the myZoi app.
2.1 Grand Prize: one (1) winner will receive one year’s salary, capped at a maximum of AED 12,000.
2.2 Monthly Prize – first month (21st October to 21st November 2026): one (1) winner from each select company will receive one (1) 1-gram gold coin.
2.3 Monthly Prize – second month (21st November to 21st December 2026): one (1) winner from each select company will receive one (1) smartphone. The model will be determined by myZoi.
2.4 The Campaign is available to employees of selected companies, as determined by myZoi.
3.1 The Campaign will run from 21st October 2026 to 21st December 2026 (the “Campaign Period“).
3.2 The Campaign has two monthly prize periods: the first month from 21st October 2026 to 21st November 2026 and the second month from 21st November 2026 to 21st December 2026.
3.3 The Campaign is promoted only in the United Arab Emirates and only for eligible CBFT transactions completed through the myZoi app.
4.1 This Campaign is open only to registered myZoi users employed by selected companies participating in the Campaign, as determined by myZoi.
4.2 The myZoi account must be used as the user’s salary account, with salary payments credited to the account and the account remaining active and in good standing throughout the Campaign Period.
4.3 Users must still be employed by the participating company at the time of winner selection and prize handover.
4.4 Each user may participate using one (1) myZoi salary account only.
5.1 To qualify for the Grand Prize, a user must, during the Campaign Period:
5.2 Among all qualifying users, the user with the highest number of successful CBFT transactions during the Campaign Period will win the Grand Prize.
5.3 In the event that two or more participants have the same number of qualifying transactions, the participant with the highest aggregate transaction value during the Campaign Period will rank higher. If a tie still remains, the applicable prize value will be shared equally among the tied participants.
5.4 The Grand Prize value will equal twelve (12) times the winner’s monthly salary as credited to their myZoi account, up to a maximum of AED 12,000.However, if the salary value is inconsistent then the average of the current value available will be given.
6.1 To qualify for a Monthly Prize, a user must complete at least two (2) successful CBFT transactions of AED 1,000 or more each within that month.
6.2 Only transactions completed within a month count towards that month’s prize. Transactions do not carry over to the next month.
6.3 One (1) winner per selected company will be selected each month from the qualifying users of that company.
6.4 A user can win a maximum of one (1) Monthly Prize during the Campaign.
6.5 Winning a Monthly Prize does not prevent a user from winning the Grand Prize.
6.6 Users who qualify in both months remain eligible for selection in each month, subject to Clause 6.4.
Note: In the event that two or more participants have the same number of qualifying transactions, the participant with the highest aggregate transaction value during the Campaign Period will rank higher. If a tie still remains, the applicable prize value will be shared equally among the tied participants.
7.1 Only successful CBFT transactions initiated through the myZoi app will be counted. Failed, cancelled, reversed or refunded transactions will not be counted.
7.2 One-to-many transfers (one transfer split or sent to multiple beneficiaries at the same time) will be counted as a single transfer for Campaign purposes.
7.3 myZoi’s transaction records will be final for determining eligibility and transaction counts.
8.1 Winners will be selected by myZoi after the end of each month (Monthly Prizes) and after the end of the Campaign Period (Grand Prize), subject to verification.
8.2 Winners will be contacted using the mobile number registered on their myZoi account.
8.3 If myZoi is unable to contact a selected winner within 48 hours of the first contact attempt, the prize will be forfeited and an alternate eligible winner will be selected. There will be a total of 4 attempts made to the user.
8.4 If a selected winner has left the participating company, the prize will be forfeited and an alternate eligible winner will be selected.
8.5 Winners may be required to present a valid Emirates ID to collect their prize.
8.6 Gold coins and smartphones will be handed over at a date and location communicated by myZoi. The Grand Prize will be paid in the manner determined by myZoi.
9.1 Prizes are non-transferable, non-exchangeable, and cannot be redeemed for cash or other services, except where myZoi decides otherwise.
9.2 myZoi reserves the right to verify user eligibility and disqualify users suspected of fraudulent, suspicious or artificial transaction activity.
9.3 myZoi reserves the right to replace any prize with one of equal or greater value if the original prize is unavailable.
9.4 In case of any disputes, myZoi reserves the right to make the final decision.
10.1 By participating in this Campaign, users consent to myZoi using their data for campaign-related communication, promotional activities, winner announcements, and prize fulfilment.
10.2 All personal data will be handled in accordance with myZoi’s Privacy Policy.
11.1 myZoi reserves the right to modify, suspend, or cancel the Campaign at any time without prior notice.
11.2 Any updates or changes will be communicated through official myZoi communication channels.
12.1 myZoi shall not be responsible for any technical issues, delays, or failures caused by telecom operators, third-party providers, system outages, or force majeure events.
13.1 For any queries related to this Campaign, customers can contact myZoi Customer Support:
If you’re dissatisfied with our service, you can raise a complaint via our email at ask@myzoi.life.
Note: By participating in this Campaign, users acknowledge that they have read, understood, and agreed to these Terms and Conditions. myZoi reserves the right to modify or withdraw this offer at any time without prior notice.
These Terms and Conditions are governed by the laws of the United Arab Emirates, and any disputes shall be subject to the exclusive jurisdiction of the UAE courts.
myZoi Financial Inclusion Technologies LLC is licensed by the Central Bank of the UAE.
1.1 myZoi Send Money Home, Win Big Campaign (“Campaign”) mein participate karne se pehle, in Terms and Conditions ko dhyaan se padhein.
1.2 In Terms and Conditions mein, “you” ka matlab myZoi services use karne wala koi bhi individual hai, jabke “we,” “our,” aur “us” ka matlab myZoi hai.
1.3 “CBFT” ka matlab cross-border fund transfer (international money transfer) hai, jo myZoi app ke through initiate aur successfully complete kiya gaya ho.
2.1 Grand Prize: ek (1) winner ko ek saal ki salary milegi, jo maximum AED 12,000 tak hogi.
2.2 Monthly Prize – first month (21st October to 21st November 2026): har selected company se ek (1) winner ko ek (1) 1-gram gold coin milega.
2.3 Monthly Prize – second month (21st November to 21st December 2026): har selected company se ek (1) winner ko ek (1) smartphone milega. Iska model myZoi decide karega.
2.4 Yeh Campaign myZoi ki taraf se select ki gayi selected companies ke employees ke liye available hai.
3.1 Yeh Campaign 21st October 2026 se 21st December 2026 tak chalega (jise “Campaign Period” kaha jayega).
3.2 Campaign mein do monthly prize periods hain: first month 21st October 2026 se 21st November 2026 tak aur second month 21st November 2026 se 21st December 2026 tak.
3.3 Yeh Campaign sirf United Arab Emirates mein promote kiya ja raha hai aur sirf un eligible CBFT transactions ke liye hai jo myZoi app ke through complete kiye gaye hain.
4.1 Yeh Campaign sirf un registered myZoi users ke liye hai jo Campaign mein participate karne wali selected companies mein employed hain, jaisa ke myZoi ne determine kiya hai.
4.2 myZoi account user ke salary account ke taur par use hona chahiye, salary payments us account mein credit honi chahiye aur poore Campaign Period ke dauran account active aur good standing mein rehna chahiye.
4.3 Users ka winner selection aur prize handover ke waqt bhi participating company mein employed hona zaroori hai.
4.4 Har user sirf ek (1) myZoi salary account use karke participate kar sakta hai.
5.1 Grand Prize ke liye qualify karne ke liye, user ko Campaign Period ke dauran:
Apne myZoi account mein kam az kam do (2) salary credits receive karne honge; aur
myZoi app ke through kam az kam paanch (5) successful CBFT transactions complete karni hongi.
5.2 Tamam qualifying users mein se, Campaign Period ke dauran sab se zyada successful CBFT transactions karne wala user Grand Prize jeetega.
5.3 Agar do ya zyada participants ke qualifying transactions ki tadaad same ho, toh Campaign Period ke dauran total transaction value sab se zyada rakhne wala participant higher rank par hoga. Agar phir bhi tie rahe, toh applicable prize value tied participants mein barabar share ki jayegi.
5.4 Grand Prize ki value winner ke myZoi account mein credit hone wali monthly salary ka baarah (12) guna hogi, jo maximum AED 12,000 tak hogi. Lekin, agar salary ki value consistent nahi hai, toh available current values ka average diya jayega.
6.1 Monthly Prize ke liye qualify karne ke liye, user ko us month ke andar kam az kam do (2) successful CBFT transactions complete karni hongi, jin mein se har transaction AED 1,000 ya us se zyada ki honi chahiye.
6.2 Sirf us month ke andar complete ki gayi transactions us month ke prize ke liye count hongi. Transactions aglay month mein carry forward nahi hongi.
6.3 Har month, har selected company se ek (1) winner us company ke qualifying users mein se select kiya jayega.
6.4 Ek user Campaign ke dauran maximum ek (1) Monthly Prize jeet sakta hai.
6.5 Monthly Prize jeetne se user Grand Prize jeetne ke liye disqualify nahi hoga.
6.6 Jo users dono months mein qualify karte hain, woh Clause 6.4 ke mutabiq har month selection ke liye eligible rahenge.
Note: Agar do ya zyada participants ke qualifying transactions ki tadaad same ho, toh Campaign Period ke dauran total transaction value sab se zyada rakhne wala participant higher rank par hoga. Agar phir bhi tie rahe, toh applicable prize value tied participants mein barabar share ki jayegi.
7.1 Sirf successful CBFT transactions jo myZoi app ke through initiate ki gayi hon count ki jayengi. Failed, cancelled, reversed ya refunded transactions count nahi ki jayengi.
7.2 One-to-many transfers (ek transfer jo split karke ya ek hi waqt mein multiple beneficiaries ko bheja jata hai) ko Campaign ke purposes ke liye ek single transfer count kiya jayega.
7.3 Eligibility aur transactions ki counting determine karne ke liye myZoi ke transaction records final honge.
8.1 Winners ko myZoi ki taraf se har month ke end ke baad (Monthly Prizes ke liye) aur Campaign Period ke end ke baad (Grand Prize ke liye) select kiya jayega, verification ke baad.
8.2 Winners se unke myZoi account par registered mobile number ke zariye contact kiya jayega.
8.3 Agar myZoi pehli contact attempt ke 48 hours ke andar selected winner se contact nahi kar pata, toh prize forfeit ho jayega aur kisi alternate eligible winner ko select kiya jayega. User se total 4 attempts ke zariye contact kiya jayega.
8.4 Agar selected winner participating company chhor chuka ho, toh prize forfeit ho jayega aur kisi alternate eligible winner ko select kiya jayega.
8.5 Prize collect karne ke liye winners ko valid Emirates ID present karne ki zaroorat ho sakti hai.
8.6 Gold coins aur smartphones myZoi ki taraf se communicate ki gayi date aur location par hand over kiye jayenge. Grand Prize myZoi ke determine kiye gaye tareeqe se pay kiya jayega.
9.1 Prizes non-transferable, non-exchangeable hain aur inhein cash ya kisi doosri service ke liye redeem nahi kiya ja sakta, siwaye un cases ke jahan myZoi iske otherwise decide kare.
9.2 myZoi ko user ki eligibility verify karne aur fraudulent, suspicious ya artificial transaction activity ka shak hone par users ko disqualify karne ka haq hai.
9.3 Agar original prize available na ho, toh myZoi ko kisi bhi prize ko equal ya greater value ke prize se replace karne ka haq hai.
9.4 Kisi bhi dispute ki surat mein, myZoi ko final decision lene ka haq hai.
10.1 Is Campaign mein participate karne se, users myZoi ko apna data Campaign se related communication, promotional activities, winner announcements aur prize fulfilment ke liye use karne ki consent dete hain.
10.2 Tamam personal data ko myZoi ki Privacy Policy ke mutabiq handle kiya jayega.
11.1 myZoi ko bina kisi prior notice ke kisi bhi waqt Campaign ko modify, suspend ya cancel karne ka haq hai.
11.2 Kisi bhi update ya change ke baare mein official myZoi communication channels ke through inform kiya jayega.
12.1 myZoi telecom operators, third-party providers, system outages ya force majeure events ki wajah se hone wale kisi bhi technical issue, delay ya failure ke liye responsible nahi hoga.
13.1 Is Campaign se related kisi bhi query ke liye, customers myZoi Customer Support se contact kar sakte hain:
Call ya WhatsApp: 800 69964
Email: support@myzoi.com
Agar aap hamari service se satisfied nahi hain, toh aap ask@myzoi.life par email karke complaint raise kar sakte hain.
Note: Is Campaign mein participate karne se, users acknowledge karte hain ke unhone in Terms and Conditions ko read, understand aur agree kar liya hai. myZoi ko bina kisi prior notice ke kisi bhi waqt is offer ko modify ya withdraw karne ka haq hai.
Yeh Terms and Conditions United Arab Emirates ke laws ke tehat governed hain, aur kisi bhi dispute par UAE courts ki exclusive jurisdiction lagu hogi.
myZoi Financial Inclusion Technologies LLC, Central Bank of the UAE se licensed hai.
I am an England & Wales qualified solicitor (LLB Hons) with 16 years of experience in regulatory law, conduct, and compliance. My career spans international regulatory practice at Allen & Overy, and with the UK Financial Services Authority. At Standard Chartered, my career has been dedicated to regulatory compliance and digitalisation. I have expertise in regulatory affairs, policy development, compliance advisory, consumer protection, corporate governance, and contentious regulatory work, including investigations and litigation. As a people manager and certified executive coach, I am committed to values-based leadership, fostering collaboration, diversity, and continuous professional development.
Over 15 years of international experience in financial services across Europe, Middle East, and South East Asia primarily across retail banks such as Citi, Standard Chartered and Mashreq Bank with particular focus on lending, client growth, and ROI delivery through effective project and people management.