Wirex Refer a Friend

1. Welcome

1.1 This page sets out the terms and conditions that apply to the Wirex Refer a Friend Programme (the "RAF Programme").

1.2 By referring a friend to us as set out below, you shall be deemed to have accepted these terms and conditions ("Programme Terms").

1.3 These Programme Terms shall also apply to any user that has been referred to and registered to use the Wirex Service through the RAF Programme (the "Referred User").

1.4 Please read these Programme Terms carefully and make sure you understand and agree to them before you refer a friend to us or, if you are the Referred User, before you sign up to the Wirex Service.

1.5 The RAF Programme is void where prohibited by law.

2. Who we are

2.1 The RAF Programme is sponsored, promoted and administered by Wirex Limited and our affiliates. Wirex operates a platform that allows users to buy, sell and manage various supported currencies and cryptoassets, as well as to apply for, manage and load money onto a Wirex payment card (collectively, the "Wirex Service").

2.2 The company that sponsors, promotes and administers the RAF Programme is the Wirex company that provides the Wirex Service to you, as set out in paragraph 3 of the Wirex General Terms of Service ("Wirex", "we","our", or "us").

3. Eligibility

3.1 The RAF Programme is open to anyone who has registered with us and set up a profile on the Wirex Service (a "Wirex Profile"), except:

(a)   employees of any of our group companies;

(b)   employees of any other organisation involved in the preparation or administration of the RAF Programme;

(c)   anyone else professionally connected with the RAF Programme; or

(d)   the immediate family members of any of the above.

4. How to participate in the RAF Programme

4.1 We will provide you with a unique invite link when you sign in to your Wirex Profile and access the "Invite Friends" page on the Wirex Service. You can instruct us to share this link on your behalf by clicking the "Share Referral Link" button and selecting the electronic communication method that you would like to use to share the invite link.

4.2 In order to participate in the RAF Programme:

(a)   you must recommend the Wirex Service to a person by telling us to send them an invite link using the applicable functionality on the "Invite Friends" page on the Wirex Service and selecting the electronic communication method that you would like to use to share the invite link;

(b)   that person (the "Referred User") must follow the invite link and register with us and set up a Wirex Profile within 60 days of receiving your referral link; and

(c)   the Referred User must not already have a Wirex Profile.

4.3 You must ensure that you have the Referred User's consent to send them the invite link to the Wirex Service.

4.4 You can invite up to 50 Referred Users every day.

4.5 If a Referred User buys cryptoassets of a value equal to or greater than US$100 through the Wirex Service (whether through a single transaction or in aggregate) within 60 days of receiving your referral link, your Wirex Profile and the Referred User's Wirex Profile will each be credited with an amount of Bitcoin equivalent to US$5, calculated by reference to the prevailing market rate at the time the Referred User initiates either:

(a)   their first transaction to buy cryptoassets of a value equal to or greater than US$100; or

(b)   the final transaction to buy cryptoassets which results in an aggregate value of cryptoassets equivalent to or greater than US$100, (the "Crypto Transaction Reward").

4.6 If a Referred User has: (a)   applied for and received a pre-paid card from us or one of our affiliates (the "Wirex Card"); and

(b) within 60 days of receiving your referral link used the Wirex Card to make an in-store purchase (a "Qualifying Purchase"), your Wirex Profile and the Referred User's Wirex Profile will each be credited with an amount of Bitcoin equivalent to US$5, calculated by reference to the prevailing market rate at the time the Referred User makes their first purchase with their Wirex Card ("Purchase Reward").

4.7 The Crypto Transaction Reward and Purchase Reward (collectively, the "RAF Programme Rewards") are subject to the limitations in paragraph 6.

5. How will the RAF Programme Rewards be paid?

5.1 We will hold the RAF Programme Rewards on your behalf until you tell us that you would like to withdraw them to a crypto wallet, as set out in the Cryptoasset Terms. The amount of RAF Programme Rewards that we hold on your behalf will be displayed to you on your Wirex Profile.

5.2 The RAF Programme Rewards may be subject to tax in your jurisdiction. You are responsible for paying any tax due on any RAF Programme Rewards that you receive. You should seek professional advice if you are unsure about whether you need to pay any tax and/ or how much tax you need to pay.

6. Important limitations on your and the Referred User's ability to obtain rewards

6.1 You and the Referred User must verify your identity with us before you can open a Wirex Profile and earn RAF Programme Rewards. We may:

(a)   ask you and the Referred User to provide such details or documentation as we may reasonably require to confirm your or the Referred User's identity (as applicable);

(b)   take any reasonable steps to verify any information or documents provided by you or the Referred User for the purposes of electronic identification, such as accessing government and private databases and credit reference agencies.

6.2 You will not be eligible for Purchase Rewards in respect of any purchases that are not Qualifying Purchases, including the following:

(a)   any purchases that you make with your Wirex Card online;

(b)   any cash withdrawals (including ATM transactions and cashback); or

(c)   any money transfers.

6.3 We reserve the right not to pay out any RAF Programme Rewards in the following cases:

(a) we are unable to verify your or the Referred User's identity in accordance with paragraph 6.1 ;

(b)   we have discontinued the RAF Programme and the Referred User has created a Wirex Profile, purchased cryptoassets in accordance with paragraph 4.6 or used their Wirex Card in accordance with paragraph 4.7 after the date on which the RAF Programme was discontinued;

(c)   the Referred User has initiated a chargeback in respect of, or otherwise reversed the transactions referred to in paragraph 4.6 and paragraph 4.7;

(d)   we are prohibited from paying you any RAF Programme Rewards by applicable law.

6.4 We may also refuse to pay out any RAF Programme Rewards if:

(a)   we reasonably suspect that the Wirex Profile has been created by the Referred User fraudulently or the Referred User's Wirex Profile is otherwise in breach of our General Terms of Service;

(b)   you have breached any provision in these Programme Terms or our General Terms of Service;

(c)   you or your Referred User have multiple Wirex Profiles; or

(d)   we reasonably suspect that you have used any pay-per-click or other paid or automated lead generation services to participate in the RAF Programme, and we may also take any other action we reasonably deem appropriate, including immediate, temporary or permanent withdrawal of your right to use the Wirex Service or closure of your Wirex Profile.

6.5 The decision of Wirex in all matters relating to the RAF Programme, the RAF Programme Rewards and these Programme Terms is final and binding and no correspondence or discussion will be entered into.

7. Limitation of Liability

7.1 Wirex reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the RAF Programme with or without prior notice due to reasons outside its control (including, without limitation, in the case of anticipated, suspected or actual fraud).

7.2 We may also modify or discontinue the RAF Programme on reasonable notice to you. If we discontinue the RAF Programme, we will subject to paragraph 6, honour any RAF Programme Rewards for which you became eligible prior to 11:59 pm UK time on the last date of the RAF Programme.

7.3 Wirex accepts no responsibility for any loss or damage incurred or suffered by you or a Referred User as a result of participating in the RAF Programme or accepting or using any RAF Programme Reward, including (but not limited to) any loss resulting from the following:

(a)   any postponement or cancellation of the RAF Programme, or any delay in crediting any RAF Programme Rewards to your or the Referred User's Wirex Profile;

(b)   any alteration, unauthorised access, damage, late delivery or non-delivery of any notices, acceptances, requests or other documents related to the RAF Programme;

(c)   any damage to your or any other person's computer relating to or resulting from participation in the RAF Programme;

(d)   any act or default of any third party supplier.

7.4 Nothing in these Programme Terms shall exclude the liability of Wirex for death, personal injury, fraud or fraudulent misrepresentation as a result of its negligence, or any other matter for which the law does not allow us to exclude or limit our liability.

8. Your personal details

8.1 Please see our Privacy Policy for more information about how we handle your information.

9. General

9.1 We intend to rely on these Programme Terms as setting out the written terms of our agreement with you for each of your and the Referred User's participation in the RAF Programme. If part of these Programme Terms cannot be enforced then the remainder of the Programme Terms will still apply to our relationship.

9.2 If you have any questions about the RAF Programme, please email us at supportescalations@wirexapp.com with "Refer a Friend Programme" in the subject line.

9.3 The Referral Programme will be governed by English law. The English courts will have non-exclusive jurisdiction over any dispute arising from or related to RAF Programme. This does not affect any rights you or the Referred User may have under the law of the country in which you are resident, including (where applicable) your or the Referred User's right to have a dispute in relation to the RAF Programme heard in the courts of that country.