Who May Participate

1. This promo is open to individuals who meet ALL of the following criteria:

• At least eighteen (18) years of age at the time of participation;
• Currently residing in the Philippines;
• Holds a verified account on the BidaCredit platform (app.bidacredit.ph); and
• Possesses a valid Philippine-issued government ID (see accepted IDs below).

Accepted government-issued IDs include, but are not limited to: Passport, Driver’s Licence, UMID, SSS ID, PhilHealth ID, Voter’s ID, or any other government-issued photo ID.

No purchase, fee, or payment is required to join or win.

Who Is Disqualified

2. The following persons are NOT eligible to participate:

• Employees, developers, contractors, agents, and staff of LenderLink Inc. and its subsidiaries or affiliates;
• Relatives of the above up to the second (2nd) degree of consanguinity or affinity;
• Persons holding more than one (1) account on the BidaCredit platform;
• Persons with a prior record of fraud, misconduct, or any platform integrity violation on BidaCredit; and
• Any participant who fails to comply with these mechanics or whose account is flagged for abuse, multiple registrations, or violations of platform integrity rules.

Promo Period

The promo runs from July 1, 2026 (12:00 AM PHT) to September 11, 2026 (11:59 PM PHT), conducted across ten (10) weekly cycles. Each weekly cycle closes every Friday at 1:00 PM PHT.

How to Participate

1. Create and verify an account at app.bidacredit.ph using your full name, registered email address, and mobile number.
2. Log in to the BidaCredit platform and complete available Missions to earn BidaPoints.
3. Go to BidaRankings > Event > Bida-Bida Ka Ba to join.
4. Accumulate BidaPoints to climb the Weekly BidaRanking leaderboard.
5. The participant ranked #1 on the Weekly BidaRanking leaderboard as of Friday at 1:00 PM PHT each week shall be declared the weekly winner, subject to verification.

Missions

Qualified users earn BidaPoints by completing missions available in the Missions tab of the BidaCredit platform. Missions are categorised as follows:

Daily & Weekly

• Daily Login
• Weekly Login
• Stay Consistent
• First Login

Profile & Verification

• Profile Completed
• Verify Email
• Verify Mobile
• Government ID Verified
• LinkedIn Verified

Finance & Learning

• Complete Your First Quiz
• Take Level 1 Quiz
• Request CIC Report
• Activate BidaScore

BidaCredit reserves the right to add, modify, or remove missions at any time during the promo period with prior notice.

Winner Determination

6. At 1:00 PM PHT every Friday, the weekly cycle closes and the BidaRanking leaderboard is locked.

Schedule of Determination of Winners

• July 10, 2026
• July 17, 2026
• July 24, 2026
• July 31, 2026
• August 7, 2026
• August 14, 2026
• August 21, 2026
• August 28, 2026
• September 4, 2026
• September 11, 2026

7. An authorised BidaCredit representative, under the supervision of a DTI representative, takes an official screenshot of the Top 1 leaderboard standing.

8. A backend Account Integrity Check is conducted to verify that the Top 1 account is free from multiple registrations, fraud flags, or platform violations.

9. If the Top 1 user fails verification, the same process is applied to the next highest-ranked qualified user until a verified winner is confirmed.

Once verified, the weekly winner is publicly announced at 4:00 PM PHT the same Friday on BidaCredit’s official Facebook, Instagram, and TikTok pages.

Winner determination is 100% objective and automated. No panel of judges or subjective criteria apply. Rankings are based solely on cumulative BidaPoints earned during the week, as displayed on the Leaderboard Page – Weekly tab.

Prizes

Each weekly winner (Top 1 on the Weekly BidaRanking per cycle) shall receive:

PHP 2,000.00 (Two Thousand Pesos) in cash

paid via direct bank or e-Wallet transfer in Philippine Pesos

There are ten (10) weekly winners across the promo period. Total prize pool: PHP 20,000.00 (Twenty Thousand Pesos).

Notification and Announcement of Winners

10. Winners are notified individually via registered mail and email from bawbaw@mail.bidacredit.ph on the same Friday as the weekly determination.
11. Winners are also notified through BidaCredit’s official social media pages (Facebook, Instagram, and TikTok).
12. The public announcement shall include the winner’s registered name and the promo week won.

Participants are advised not to engage with or respond to communications from unauthorised parties claiming to represent BidaCredit or LenderLink Inc.

How to Claim Prizes

13. Winners must respond to their official winner notification and submit the following within the claim period:

• One (1) valid government-issued ID with a clear photo; and
• Bank or e-Wallet account details (account name must match the winner’s government-issued ID).

14. Prizes are disbursed via bank or e-Wallet transfer in Philippine Pesos. No physical claim location is required.
15. Winners have sixty (60) days from receipt of the official winner notification to claim their prize.