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Brandan Chen

Financial Planner

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Answer & Advance
Stand a chance to be a winner at the end of 8 weeks!
Don’t forget to check back every week for more articles and answer more questions to increase your chances of winning!

Answer & Advance

100x

$20

Sephora
e-vouchers

Unlocked

100x

$40

FairPrice Online
e-vouchers

400 participants to unlock

100x

$60

Adidas
e-vouchers

600 participants to unlock

100x

$80

Best Denki
e-vouchers

800 participants to unlock

There are currently 18 participants

Participant numbers updated at 2300 hours daily.

Subscribe to my mailing list below and receive weekly articles. Answer the questions in the participating articles and stand to be one of the lucky winners!
Sign Up now
Thank you for your subscription!

How to play

Step 1

An article will be released each week on my website. Read the article and then answer the question found in the article.

Step 2

Submit your answer and stand to win a prize featured in the unlocked tier. Each correct answer gives you 1 chance in our final draw!

Step 3

Increase your chances of winning by reading and submitting your answers to questions in the 8 participating articles.

Step 4

Up to 400 winners will be selected at the end of the contest. Sign up to my mailing list to be notified when a new article is available!

Share the contest with your family and friends to keep unlocking tiers for bigger prizes!

Start playing!

Terms & Conditions
  1. By participating in the ‘Answer & Advance’ contest (the “Contest”) organized by Manulife (Singapore) Pte. Ltd. and/or its affiliates (“Manulife”) from 22 September 2020 to 17 November 2020 (“Contest Period”) (both dates inclusive), I understand and agree to these Terms.
  2. Submissions after 11:59PM on 24 November 2020 will not be accepted.
  3. The participant must be a natural person who is a Singapore citizen or a Singapore Permanent Resident residing in Singapore and shall be above 21 years of age at time of participation. Participants affirm the accuracy and correctness of all information provided at the time of entry in the Contest. Any misrepresentation of any facts and/or particulars shall result in disqualification, forfeiture, withholding or withdrawal of the Prizes (as defined below) won, or recovery of the amount of the Prizes won at the sole discretion of Manulife.
  4. The Participants will be required to complete a questionnaire accessed through the one of the eight participating articles found on a Digital Stars Website. Each completed questionnaire gives the Participant one chance in the draw. Upon completion of any questionnaire, Participants will be required to further fulfil the following criteria to stand a chance of winning one of the Prizes in the draw.
    1. Successful completion and submission of response to the questionnaire for at least one of eight participating articles;
    2. successful submission of the relevant details as requested in the Contest, during the Contest Period;
    3. answered the verification call from a Manulife Financial Consultant; and
    4. completed a non-face-to-face financial review session with a Manulife Financial Consultant; and
  5. Manulife will then decide on the winners (the “Winners”) - participants who have fulfilled all the criteria above within the Contest Period.
    • If the number of participants ranges from 0 to 399,
      1. Winners will be picked in consecutive sequence in multiples of 4: i.e. the 4th, 8th, 12th, 16th, 20th Participant and so on until the 100th Participant will be rewarded with SGD $20 worth of e-voucher(s);
      2. 100 Winners will be selected;
      3. these Winners will each receive an SGD $20 worth of e-voucher(s) (“Prize” or “Prizes”).
    • If the number of participants ranges from 400 to 599,
      1. Winners will be picked in consecutive sequence in multiples of 4: i.e. the 2nd, 4th, 6th, 8th, 10th Participant and so on until the 200th Participant will be rewarded with up to SGD $40 worth of e-voucher(s);
      2. 200 Winners will be selected;
      3. the first 100 Winners will each receive an SGD $20 worth of e-voucher(s) (“Prize” or “Prizes”); and
      4. the last 100 Winners will each receive an SGD $40 worth of e-voucher(s) (“Prize” or “Prizes”).
    • If the number of participants ranges from 600 to 799,
      1. Winners will be picked in consecutive sequence in multiples of 4: i.e. the 2nd, 4th, 6th, 8th, 10th Participant and so on until the 300th Participant will be rewarded with up to SGD $60 worth of e-voucher(s);
      2. 300 Winners will be selected;
      3. the first 100 Winners will each receive an SGD $20 worth of e-voucher(s) (“Prize” or “Prizes”);
      4. the next 100 Winners will each receive an SGD $40 worth of e-voucher(s) (“Prize” or “Prizes”); and
      5. the last 100 Winners will each receive an SGD $60 worth of e-voucher(s) (“Prize” or “Prizes”).
    • If the number of participants is more than 800,
      1. Winners will be picked in consecutive sequence in multiples of 4: i.e. the 2nd, 4th, 6th, 8th, 10th Participant and so on until the 400th Participant will be rewarded with up to SGD $80 worth of e-voucher(s);
      2. 400 Winners will be selected;
      3. the first 100 Winners will each receive an SGD $20 worth of e-voucher(s) (“Prize” or “Prizes”);
      4. the next 100 Winners will each receive an SGD $40 worth of e-voucher(s) (“Prize” or “Prizes”);
      5. the second last 100 Winners will each receive an SGD $60 worth of e-voucher(s) (“Prize” or “Prizes”); and
      6. the last 100 Winners will each receive an SGD $80 worth of e-voucher(s) (“Prize” or “Prizes”).
  6. The draw will be held from 2.00pm – 3.00pm (“Draw Period”) via a recorded webinar to select the Winners on 24 November 2020.
  7. Participants may participate in the Contest multiple times, but only up to eight submissions of each Participant will be captured and recorded for their chance to win.
  8. Manulife’s decision on and method of deciding the respective Winners shall be at its absolute discretion, and shall be final and binding. For the avoidance of doubt, Manulife reserves the right to select another Winner should a particular Winner be found to have failed to meet all the eligibility requirements. Any such decision shall also be final and binding on all parties.
  9. Winners will be notified separately by phone call according to the contact details submitted during the Contest. Winners will be deemed notified once they have received a phone call from Manulife and verified their details. Manulife shall not be responsible for any delay in notification or failure to provide such notification(s).
  10. Manulife shall not be responsible for any breakdown or malfunction in any computer system or equipment or network connection that may impair a Participant’s participation or chance to win in the Contest.
  11. The Prize is not (a) transferable; (b) exchangeable; or (c) redeemable for cash.
  12. Manulife reserves the right to replace the Prize with item(s) of similar value without prior notice.
  13. Manulife assumes no liability or responsibility for any injury, loss, claim or damage whatsoever or for any charges, costs, tax or expenses of any kind whatsoever suffered or incurred as a result of the redemption or usage of the goods/services or the Prize or in connection with the Contest and/or redemption or use of the Prize and any consequences, including but not limited to the loss of life, injury to person and/or loss or damage to property arising from or in connection with the Contest, and/or use of the Prize howsoever arising.
  14. Manulife does not assume any liability or responsibility for any defect, quality, merchantability, fitness for purpose or any other aspect of the Prize, or the goods/services offered in connection with this Contest; or for the acts or defaults of the Prize merchants. Manulife is not an agent of these merchants. Any dispute relating to the Prize including but not limited to the quality or service standard must be resolved directly with the relevant merchant.
  15. All decisions made by Manulife in connection with the Contest (as well as the interpretation of the Terms) including but not limited to the termination, cancellation or suspension of the Contest, varying the Terms of the Contest or prohibiting a Participant from participating in the Contest, shall be final and binding on all parties to this Contest. Manulife shall not be liable for payment or compensation to any party. No appeal shall be entertained.
  16. All Participants acknowledge and agree that they have participated in the Contest on their own free will and assume all risks and liability inherent thereof. Participants will not hold Manulife and its directors, shareholders, affiliates, employees, agents, representatives, contractors, partners and the owner/operator of the Contest liable for any claims, demands, suits, causes of action of any kind whatsoever, costs, liabilities and/or expenses (including legal fees and disbursements) as and when they arise during the course of the Contest, to the extent permitted by law including but not limited to injury to themselves, their friends and families, property damage/loss and death. Participants also agree to indemnify Manulife and hold it harmless against all losses, claims, demands, expenses and other liabilities (including legal fees) suffered or incurred by Manulife as a result of any breach of these Terms or of applicable laws by the Participants including, without limitation, any representation made by the Participants which is not authorised under these Terms or otherwise in writing by Manulife.
  17. A person who does not participate in the Contest shall have no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of these Terms.
  18. The Terms of this Contest shall be governed by and construed in accordance with the laws of Singapore, and you agree to submit to the exclusive jurisdiction of the courts of Singapore.
  19. In the event of any inconsistency between these Terms and any brochure, marketing or promotional material relating to this Contest, these Terms shall prevail.
  20. Participants consent under the “Personal Data Protection Act 2012” to the collection, use and disclosure of one’s personal data by/to Manulife and other third parties as Manulife may reasonably consider necessary for the purpose of the Contest – and confirm that they agree to be bound by the terms of Manulife’s Statement of Personal Data Protection, a copy of which can be found on: brandanchen.manulife.sg/statement-of-personal-data-protection.
  21. Manulife will be allowed to use the Winner’s name, image and/or voice for editorial, advertising, promotional, marketing and/or other purposes without further consent and compensation, except where prohibited by law.
  22. All information above is correct as of 20 October 2020.