1.1 About Poh Heng Circle

The Poh Heng Circle is a free loyalty programme open to anyone who registers and verifies their details.

• The Programme provides Members with the ability to earn and redeem points (“Points”) on eligible purchases.
• Membership is personal, and a Member account is intended for use by the individual Member only.

The programme covers purchases made in all Poh Heng boutiques and online e-boutique through official Poh Heng channels.

• Points build up the same way no matter which channel you shop on.
• Prices, discounts and promotions may differ by channel; promotions run separately on each platform. 

Benefits may vary by tier and may include discounts and/or birthday privileges, subject to eligibility conditions and exclusions.

The Poh Heng Circle Loyalty Programme currently consists of two membership tiers: Signature and Prestige.

Signature is the starting tier everyone gets on sign-up, offering:

• 10% discount on fixed-price items   
• 10% off workmanship fees on gold-by-weight pieces   
• 1 point per S$2 spent on eligible spend
• 1.5× points during your birthday month

Prestige is the upper tier, unlocked through spending, and includes everything in Signature plus:

• Free standard delivery (no minimum spend)
• One-time 40,000 points welcome bonus
• 3× points during your birthday month
• Exclusive invites to private Poh Heng events.

Prestige status is earned and renewed based on how much you spend.

4.1 Becoming a Prestige member
Spend $40,000 (cumulatively or in one purchase) within any 12-month period to be instantly upgraded and receive a one-time 40,000 points welcome bonus (worth about $100).

4.2 Maintaining Your Prestige Status
Prestige membership lasts 12 months from your upgrade date and can be renewed for another 12 months by spending at least $1,000 within that active window, which also triggers a fresh 40,000 points renewal bonus.

4.3 Prestige Status Lapses
You can requalify anytime by hitting the $40,000 spending mark again, which resets your 12-month cycle and grants another 40,000 points bonus.

Illustrative Example:
A customer registers and reaches the $40,000 spending milestone on 18 June 2025. They are upgraded to Prestige, and 40,000 Welcome Points are issued, establishing a membership expiry date of 17 June 2026.

If the member spends $1000 and above on or before 17 June 2026, their status successfully extends to 17 June 2027. On 18 June 2026, a new cycle starts, and 40,000 renewal points are systematically credited (valid until 18 June 2027, 23:59).

Joining the programme comes with a few basic requirements.

5.1 Enrolment & Verification
Members must have a valid mobile number and/or email address to register and verify their account. (including for Points redemption).

5.2 One Account Per Individual
Each individual member may register only one account. Duplicate or misused accounts may be suspended or merged at our discretion.

5.3 Accurate Information
Members must ensure their account details are accurate and up to date. We may refuse, suspend or terminate membership where information is false, misleading or incomplete.

Loyalty points accumulated within the programme possess no monetary or intrinsic cash value and cannot be exchanged for cash, credit, or currency.

6.1 No Cash Value / Not Legal Tender
Points have no cash value, are not legal tender, and are not exchangeable for cash or credit. 

6.2 No Property Right
Points do not confer any property right and do not constitute a bank deposit, stored value, or e-money.

6.3 Non-Transferable
Points and Programme benefits are non-transferable and may not be sold, assigned, or pledged, unless we expressly permit otherwise in writing.

7.1 Earning Rate
The way you earn points depends entirely on the final amount you pay and the specific items you purchase. Points are calculated based on rates set by Poh Heng.

7.2 Eligible Spend
Points are calculated strictly on the net amount paid on eligible spend. This means any applied discounts, vouchers, refunds, and taxes are subtracted before your points are determined and excluding items in Exclusions Clause 7.5.

7.3 Posting of Points
Points are credited only once a transaction is fully completed, and Poh Heng may hold off crediting them during fraud checks or return windows.

7.4 Errors on Posting of Points
If points are credited by mistake, Poh Heng can correct the balance and reverse those points at any time.

7.5 Exclusions Clause
Points are not earned on excluded items/services as communicated by Poh Heng from time to time, which may include (without limitation) gift vouchers, customized jewellery, repair/service charges, and licensed
brands. 

Points may be redeemed to offset the purchase price of eligible products and services at the rate published by Poh Heng.

8.1 Redemption Rate
Points can be used to offset the purchase price of products and services (excluding voucher, customisation, and repair service purchases) at the prevailing rate of $1 for every 400 points.

8.2 Redemption Must Be in Full (if applicable)
Points must be redeemed in full point blocks; partial or fractional point redemptions below designated thresholds may be restricted.

8.1  Redemption Exclusions
Points redemption is unavailable for excluded items and services and may be subject to specific restrictions based on the operational retail channels of all Poh Heng boutiques and online e-boutique.

8.2  Verification at Redemption
Identity or account verification may be required before a redemption goes through, to prevent fraud. Poh Heng can decline a redemption if fraud or misuse is suspected.

8.3  No Cash-Out / No Change
Points can never be cashed out, and if your points cover more than the purchase price, the extra value is forfeited rather than refunded.

8.4  Abuse and Refusal
Poh Heng reserves the right to refuse point redemptions if there is reasonable suspicion of fraudulent activity, systematic account misuse, policy exploitation, or non-compliance with these official terms.

9.1 Reversal of Earned Points
If a transaction that earned Points is returned, exchanged, cancelled or refunded (in full or in part), the Points awarded for that transaction will be reversed/deducted accordingly.

9.2 Transactions Using Points
If Points were redeemed on a transaction that is subsequently returned/exchanged/refunded, we will adjust the Member’s account and/or refund amount accordingly.

10.1 Points Validity and Expiry  
Points expire on a rolling basis tied to the month they were earned. Points earned in the given calendar month expire exactly one year later, at the end of that same month.

Illustrative Example:
Points accumulated between 1 July 2025, and 31 July 2025 remain valid until 31 July 2026 at 23:59. The CRM system systematically purges these unredeemed points on 1 August 2026 at 00:01 AM.

10.2 Expiry Processing
Expired points are automatically removed and generally cannot be reinstated, extended, or recovered, except under exceptional circumstances approved at the sole discretion of Poh Heng’s management.

10.3 Account Closure
Closing your account, whether by choice or otherwise, forfeits all remaining points and benefits permanently.

11.1 Suspension/Termination by Poh Heng

We may suspend or terminate a membership and/or void Points where we reasonably believe that the Member: (a) breached these Terms; (b) engaged in fraud, misuse, resale or commercial exploitation of benefits; (c) created multiple accounts; (d) attempted to manipulate Points accrual/redemption; or (e) provided false information.

11.2 Member Responsibility

Members are responsible for safeguarding access to their accounts. Notify us promptly of suspected unauthorised use.

11.3 Investigation

We may require supporting documentation (e.g., proof of identity or purchase) for investigations and may take appropriate action, including referral to authorities where warranted.

12.1 Right to Change
Poh Heng reserves the right to modify, amend, or overhaul these terms, program rules, earn/redemption structures, tier privileges, product exclusions, or participating channels at any time without prior liability.

• A member's continued participation in the programme following such updates constitutes a legally binding acceptance of the revised terms.
  
• Terms, benefits, earning/redemption
  rules, and eligible channels may be changed, and continuing to use the
  programme means you accept the updates.
• Changes will be communicated via the website, in-store, email, or SMS as appropriate.

12.2 Suspension/Termination
If the programme is ever discontinued, members will be given advance notice and a final deadline to redeem their points before they are forfeited.

13.1 Collection & Use
Personal data is collected and used to run the programme, process transactions, verify identity, prevent fraud, and deliver benefits and send you communications if you registered for our mailing list and other specified purposes, in accordance with the Personal Data Protection Act (PDPA) and Poh Heng’s Privacy Notice.

13.2 Service Providers
Data may be shared with trusted third-party service providers (e.g. loyalty platform, payment, messaging) strictly for programme operation and under contractual safeguards.

13.3 Marketing Preferences
Members may opt out of marketing communications, but operational messages relating to their membership (e.g., verification, policy updates) may still be sent where necessary.

14.1 Program Provided “As Is”
The Program and all related benefits, Points, features and services are provided on an “as is” and “as available” basis. Poh Heng does not warrant that the Program will be uninterrupted, error-free, secure, or free from delays.

14.2 System and Technical Issues
Poh Heng shall not be liable for any loss of Points, inability to redeem Points, or delay in accrual or redemption arising from system maintenance, outages, technical failures, network disruptions, third-party service provider issues, or circumstances beyond our reasonable control.

14.3 No Liability for Indirect or Consequential Loss
To the maximum extent permitted by the laws of Singapore, Poh Heng shall not be liable for any indirect, incidental, special, exemplary, punitive or consequential loss or damage (including loss of profits, loss of opportunity, or loss of goodwill) arising out of or in connection with the Program or these Terms, whether in contract, tort (including negligence), statute or otherwise.

14.4 Cap on Liability
Poh Heng’s total aggregate liability to a Member for any claim arising out of or in connection with the Program shall not exceed the monetary value of the Points held in the Member’s account at the time of the relevant event giving rise to the claim.

14.5 Member Responsibility
Members are responsible for safeguarding their account details, verification codes, login credentials and contact information. Poh Heng shall not be liable for any unauthorised accrual or redemption of Points resulting from the Member’s failure to protect such information, except where such loss arises directly from Poh Heng’s proven negligence or wilful misconduct.

14.6 Non-Excludable Liability
Nothing in these Terms shall exclude or limit any liability which cannot be excluded or limited under applicable law in Singapore, including liability for death or personal injury resulting from negligence, or for fraud.

15.1 Governing Law
These Terms and any dispute or claim arising out of or in connection with the Program are governed by the laws of Singapore.

15.2 Good-Faith Resolution
Before commencing proceedings, Members agree to contact our Customer Service team to attempt to resolve the issue in good faith.

15.3 Jurisdiction
Subject to Clause 14.3, Members submit to the exclusive jurisdiction of the Singapore courts for all disputes arising out of or in connection with these Terms.

16.1 Final Interpretation
To the fullest extent permitted by applicable law, Poh Heng’s decision and interpretation of these Terms (including Program rules, eligibility, Points accrual, redemption, exclusions, adjustments, suspension, termination, and any disputes relating to the Program) shall be final and binding on Members, provided that such interpretation is exercised reasonably and in good faith.

16.2 Discretion
Poh Heng may, in its sole and absolute discretion, determine whether a Member has complied with these
Terms, and may take any action permitted under these Terms (including refusing accrual/redemption, reversing Points, suspending or terminating an account, and/or voiding benefits) where Poh Heng reasonably suspects fraud, misuse, abuse, error, or breach.

16.3 Reservation of Rights / Recovery Poh Heng reserves the right to reverse or recover the value of any Points, discounts, rewards or benefits that were (a) credited, issued or redeemed in error, (b) obtained through fraud, misuse or breach of these Terms, or (c) linked to a transaction that is later cancelled, reversed, returned, refunded or found to be invalid.

16.4 No Waiver
Any failure or delay by Poh Heng to enforce any right or provision under these Terms shall not operate as a waiver of such right or provision.

For any questions about the programme, points, or your account, reach out to Poh Heng Customer Service:

Office Operating Hours:
Monday – Friday, 8:30 AM – 5:30 PM SGT (excluding Public Holidays)

Telephone:
1800 764 4364 (1800-POH HENG)

WhatsApp
(Text Only): +65 9058 8785

Email:
customer.service@pohheng.com.sg

Office Address:
76 Lor 19 Geylang, PH Building, Singapore 388512