Here is the improved version of your text using HTML list elements for better readability: ```html

• 20% off Festive Goodies (excludes hampers)
• Phone and email orders are available:
  • Call: (65) 6877 8943
  • Email: fullertonshop@fullertonhotels.com
• Offer Valid till: December 23, 2025

```

```html

• Valid from 17 November 2025 to 23 December 2025, both dates inclusive.
• Payment must be charged using Citi Credit / Debit Card.
• Promotion is not valid for hampers and delivery charges.
• Full payment must be charged in a single receipt to the credit card or debit card unless otherwise stated.
• Offer is not valid with other promotions, discount cards, promotional vouchers, and in-house offer discount cards.
• For enquiries, please call (65) 6877 8943 or email fullertonshop@fullertonhotels.com.
• Citibank's and The Fullerton Hotel Singapore’s decision on all matters relating to the Promotion will be determined at its reasonable discretion and is final and binding on all participants.
• Citibank shall not be responsible for the quality, merchantability, or the fitness for any purpose or any other aspect of the products and/or services provided by third parties.
• Citibank shall not at any time be responsible or held liable for any loss, injury, damage, or harm suffered by or in connection with the products and/or services provided by third parties.
• All disputes about the quality or performance of the product and/or services shall be resolved directly with The Fullerton Hotel Singapore.
• Citibank and The Fullerton Hotel Singapore reserve the right, at their reasonable discretion, to vary, add to or delete the Promotion terms and/or terminate the Promotion.
• "Citibank" refers to Citibank Singapore Limited. The terms “The Fullerton Hotel Singapore”, “The Fullerton Cake Boutique” refer to Precious Treasure Pte Ltd trading as The Fullerton Hotel Singapore.

```