1. Products will be delivered to the address and phone number confirmed on the Application. To change the information, please call Tel. 1766 within 3 days after the point redemption.
2. This cannot be exchanged or converted into cash.
3. The staff will deliver the gift set to the specified address within 30 business days by PENNIN PENNY PATISSERIES COMPANY LIMITED
4.  Please check the production and expiration date on the product package.
5. In case of damaged products, please contact Privilege International Co., Ltd. within 2 days after receiving the products for inspection and product replacement processes under the consideration of Privilege International Co., Ltd.
6. The accumulated Smile Points cannot be combined under any circumstances.
7. The Company reserves the right not to return redeemed accumulated points under any circumstances.
8. Staff and agents of Muang Thai Life Assurance PCL can redeem the privilege.
9. Accumulated Smile Points are only a symbol used for claiming privileges to participate in Muang Thai Smile Club activities which are arranged for building relations with customers who apply for Muang Thai Smile Club membership.
10. Conditions are as specified by Muang Thai Life Assurance PCL.
11. For more information, please call Tel. 1766, available 24/7.