Terms of service
EMPLOYEE PURCHASE PROGRAMME (EPP)
TERMS OF SERVICE
CHALLENGER DIRECT+ PTE LTD
Last updated: 29 July 2026
These Terms of Service ("EPP Terms") apply to any purchase made under
the Employee Purchase Programme ("EPP") operated by Challenger Direct+
Pte Ltd ("we", "us", "Challenger Direct+"), and should be read together
with our Return and Refund Policy, Shipping Policy, and Privacy Policy
(collectively, the "General Policies"). Where there is a conflict
between these EPP Terms and the General Policies, these EPP Terms shall
govern in respect of EPP purchases specifically. Where we state
different or additional terms for a specific product, promotion, or
campaign under the EPP ("Campaign Terms"), those Campaign Terms shall
prevail over these EPP Terms to the extent of any conflict, but only in
respect of the specific product, promotion, or campaign to which they
apply.
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1. WHAT IS THE EPP
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1.1 The EPP is a special purchase scheme offered to employees of
organisations that have an active partnership agreement with
Challenger Direct+ ("eligible partner organisations"), giving
eligible employees access to preferential pricing on selected
products.
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2. DEFINITIONS
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In these EPP Terms, unless the context otherwise requires:
"Agreement" means these EPP Terms, together with the General
Policies (to the extent applicable) and any applicable Campaign
Terms.
"Amount Paid" means the total amount actually paid by an eligible
employee for a product under the EPP, after all applicable EPP
pricing, discounts, and discount codes have been applied, as
further described in Section 8.1.
"Business Day" means any day other than a Saturday, Sunday, or
public holiday in Singapore.
"Campaign" means a specific, time-limited product, promotion, or
offer made available under the EPP.
"Campaign Terms" means any additional or different terms stated
for a specific Campaign, as referred to in the introductory
paragraph above and in Sections 4.4 and 5.2.
"EPP" means the Employee Purchase Programme operated by Challenger
Direct+, as described in Section 1.
"Eligible Partner Organisation" means an organisation that has an
active partnership agreement with Challenger Direct+ under which
its employees may participate in the EPP.
"General Policies" has the meaning given in the introductory
paragraph above.
"Immediate Family" means an eligible employee's spouse, parents,
children, and siblings.
"Order" means a purchase made by an eligible employee under the
EPP.
"Site" means our website(s) and any online platform through which
EPP purchases may be made.
"We", "us", "our", and "Challenger Direct+" mean Challenger
Direct+ Pte Ltd.
"You" and "your" mean the eligible employee using, or registered
under, the EPP.
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3. ELIGIBILITY
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3.1 The EPP is available only to current, confirmed employees of an
eligible partner organisation — that is, employees who have
successfully completed any applicable probationary period — as
verified by us or our designated partner. Employees who are on
probation, or engaged as interns or short-term contractors, are
not eligible unless the partner organisation's agreement with us
expressly extends eligibility to such employees.
3.2 Eligibility is primarily verified through self-registration using
your registered company email address, as set out in Section 4.
We may, at our discretion, request further proof of employment
(for example, a staff pass or employment verification letter)
where a company email address alone is insufficient to confirm
eligibility or confirmed employment status.
3.3 We reserve the right to verify eligibility at any time and to
decline, cancel, or reverse any purchase where eligibility cannot
be confirmed, or is later found to have been misrepresented.
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4. REGISTRATION AND VERIFICATION
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4.1 Eligible employees may self-register for EPP access using their
registered company email address (that is, an email address at
the official domain of an eligible partner organisation).
Registration is completed once you verify ownership of that email
address, for example by clicking a confirmation link we send to
it.
4.2 We reserve the right to determine whether an email domain belongs
to an eligible partner organisation, and to decline or revoke
registration where a domain is shared, generic, personal, or
otherwise cannot reasonably be relied upon to confirm employment.
4.3 Your EPP account is personal to the individual who registered it
and is tied to the company email address used at sign-up. It must
not be shared with, or used on behalf of, any other individual.
4.4 We may set a validity period for EPP registration, or require
periodic re-verification of your company email address, to
confirm continued eligibility, unless otherwise specified in the
Campaign Terms for a particular Campaign.
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5. PURCHASE LIMITS
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5.1 There is no fixed cap on the value or quantity of purchases an
eligible employee may make under the EPP, provided that all such
purchases are for the personal use of the eligible employee (or
their Immediate Family) and are not for commercial resale, bulk
acquisition, or on-selling. See Section 10 (Non-Transferability
and Misuse).
5.2 Notwithstanding Section 5.1, we may set a specific quantity or
value limit for a particular product, product category, or
Campaign, as stated in the Campaign Terms at the time of the
offer — including where necessary to ensure fair access among
eligible employees, to manage limited stock, or to prevent bulk
or commercial resale.
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6. PRICING AND PAYMENT
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6.1 EPP pricing is exclusive to the programme and may not be combined
with any other discount, voucher, promotion, or offer, unless
expressly stated otherwise.
6.2 All EPP prices are inclusive of GST where applicable, and are
subject to change or withdrawal without notice, as EPP pricing is
tied to time-limited arrangements with partner organisations.
6.3 Full payment by cash or card is required at the point of sale for
every EPP purchase. The EPP does not offer instalment, deferred,
or payroll-deduction payment arrangements; where a third-party
instalment or "buy now, pay later" provider is separately made
available at checkout, that arrangement is between you and the
third-party provider and is governed by their own terms, not
these EPP Terms.
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7. PRODUCT AVAILABILITY, PRICING ERRORS AND EVENTS BEYOND OUR CONTROL
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7.1 Supplier cancellation or inability to supply. All Orders placed
under the EPP are subject to availability and to confirmation
from the relevant brand, principal, or supplier. Where a brand or
supplier cancels, withdraws, or becomes unable to fulfil an Order
after it has been accepted — including due to stock shortage,
discontinuation, or withdrawal of the EPP pricing arrangement for
that product — we will notify you as soon as reasonably
practicable and may cancel the affected Order, in whole or in
part, at any time before delivery or collection. See our Return
and Refund Policy for how refunds are processed in this situation.
This clause does not apply, and we will not accept payment for an
Order, where we already know at the time of accepting your Order
that we will be unable to supply the goods within a reasonable
time.
7.2 Pricing errors. If a product is listed, quoted, or charged at an
incorrect EPP price due to a genuine error (whether typographical,
technical, or an error in pricing information supplied to us by a
brand or supplier), we reserve the right to correct the error and,
at our discretion, either (a) contact you to confirm whether you
wish to proceed at the correct price before completing the Order,
or (b) cancel the affected Order and refund you as described in
our Return and Refund Policy. This applies whether the error is
discovered before or after payment is processed, and whether or
not an order confirmation has been sent. We will not charge you a
corrected, higher price without your express agreement.
7.3 Sudden price increases. EPP pricing depends on arrangements
between us and partner brands or suppliers, which may change
without notice. Where the cost or price of a product increases
after we have accepted your Order (i.e. after payment has been
taken and an order confirmation issued) but before delivery or
collection, that increase will not be passed on to you — the
price charged at the point of sale stands. Where a price increase
occurs before your Order has been accepted, we may withdraw the
affected EPP price and, if you have already paid, offer you the
choice to proceed at the new price or receive a refund as
described in our Return and Refund Policy.
7.4 Events beyond our reasonable control. Neither we nor any partner
brand or supplier will be liable for delay or failure to perform
our obligations under the EPP where caused by events reasonably
beyond our control (e.g. natural disasters, pandemics, courier or
logistics disruption, supply chain failure). Where such an event
continues for more than 60 days, either party may cancel the
affected Order, with a refund for anything not delivered or
collected as described in our Return and Refund Policy.
7.5 Nothing in this Section 7 limits or overrides your statutory
rights under the Consumer Protection (Fair Trading) Act 2003,
including its Lemon Law provisions.
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8. LIMITATION OF LIABILITY
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This Section sets out how claims relating to an EPP Order are valued
and handled. It works alongside, and does not reduce, your rights
under our Return and Refund Policy or the Consumer Protection (Fair
Trading) Act 2003.
8.1 Subject to Clause 8.3, our total liability to you in connection
with any Order — whether arising from a refund, price reduction,
replacement cost, damages, or any other claim relating to that
Order — shall not, in aggregate, exceed the Amount Paid. For the
avoidance of doubt, the Amount Paid excludes the product's
manufacturer's recommended retail price (MSRP), any advertised or
promotional price prior to the application of a discount code, or
any value ascribed to the product other than what you actually
paid.
8.2 We are not liable to you for any indirect, consequential, or
special loss — including loss of profits, loss of data, loss of
opportunity, loss of time, inconvenience, distress, or the value
of time or costs spent by you in raising, pursuing, or resolving
a claim or dispute — arising from or in connection with an Order.
8.3 Nothing in this Section limits or excludes our liability for
death or personal injury caused by our negligence, for fraud or
fraudulent misrepresentation, or for any other liability that
cannot lawfully be limited or excluded — including your rights
under the Consumer Protection (Fair Trading) Act 2003 (Lemon
Law), which remain unaffected.
8.4 Except where a court or tribunal of competent jurisdiction orders
otherwise, each party shall bear its own costs (including the
value of its own time) in connection with the investigation,
negotiation, or resolution of any dispute arising under these EPP
Terms.
8.5 We will assess every claim relating to an EPP Order on its merits
and in good faith. That said, we are not obliged to accede to, or
compensate, any demand, claim, or request that (a) is not
supported by reasonable evidence of the loss, defect, or breach
claimed, (b) falls outside the remedies expressly available under
these EPP Terms, the General Policies, or the Consumer Protection
(Fair Trading) Act 2003, or (c) we reasonably consider to be
frivolous, vexatious, speculative, or made without reasonable
grounds. Declining a claim under this Clause 8.5 does not affect
your right to pursue a genuine claim through the Small Claims
Tribunals, the Consumers Association of Singapore (CASE), or the
courts, as set out in Section 15 (Governing Law). See our Return
and Refund Policy for how to raise a claim.
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9. DELIVERY AND COLLECTION
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9.1 Our Shipping Policy applies to EPP purchases, unless a specific
collection window, venue, or process is stated in the Campaign
Terms for a particular EPP Campaign.
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10. NON-TRANSFERABILITY AND MISUSE
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10.1 EPP purchases are intended for the personal use of the eligible
employee (or their Immediate Family) and must not be resold for
commercial gain.
10.2 Where we reasonably believe the EPP has been misused — including
through fraudulent employment claims, use of an ineligible or
misrepresented email domain, account-sharing, or resale — we will
give you a reasonable opportunity to explain the circumstances
before we cancel an order, revoke EPP access, or recover the
value of any discount granted, except where we reasonably
consider that immediate action is necessary, such as in cases of
suspected fraud.
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11. CESSATION OF EMPLOYMENT
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11.1 Eligibility under the EPP is tied to your continued, confirmed
employment with an eligible partner organisation. Once you cease
to be an employee of an eligible partner organisation — whether
by resignation, termination, or otherwise — you will no longer be
eligible to make further purchases under the EPP, and we may
deactivate your EPP registration accordingly.
11.2 As full payment is required at the point of sale for every EPP
purchase (Section 6.3), a change in your employment status does
not affect any purchase you have already completed, and no
outstanding balance, refund, or adjustment arises solely from
that change.
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12. CHANGES TO OR WITHDRAWAL OF THE EPP
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12.1 We may modify, suspend, or terminate the EPP, or any partner
organisation's participation in it, at any time, without
liability, except in respect of orders already confirmed prior to
such change.
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13. CONFIDENTIALITY
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13.1 EPP pricing and offers are intended solely for eligible employees
of the relevant partner organisation and must not be shared
publicly or with individuals who are not eligible under Section
3.
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14. PERSONAL DATA
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14.1 Information collected to verify your eligibility (such as your
employer name and work email) is used solely for that purpose, in
accordance with the Personal Data Protection Act 2012 and our
Privacy Policy.
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15. GOVERNING LAW
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15.1 These EPP Terms are governed by the laws of the Republic of
Singapore. Nothing in these EPP Terms limits or overrides any
right you have under the Consumer Protection (Fair Trading) Act
2003, or any other statutory right that cannot lawfully be
excluded; where there is a conflict, your statutory rights
prevail.
15.2 Subject to Clause 15.1, disputes arising from these EPP Terms are
generally subject to the non-exclusive jurisdiction of the courts
of Singapore, without prejudice to any right you may have to
bring an eligible claim before the Small Claims Tribunals or to
seek assistance from the Consumers Association of Singapore
(CASE).
For enquiries, see our Contact Information.