Referral Programme Terms

CARVADO

REFERRAL PROGRAMME TERMS

Document ID:

CAR-LGL-006

Version:

1.0

Classification:

Public

Status:

Draft for Final Legal Review

Document Owner:

Carvado Membership Team

Effective Date:

[To be completed]

Review Date:

[To be completed]

Last Updated:

[To be completed]

ABOUT THIS DOCUMENT

This Referral Programme Terms document forms part of the Carvado Membership Legal Centre.

This document should be read together with the Membership Terms & Conditions.

Where any inconsistency exists between this document and the Membership Terms & Conditions, the Membership Terms & Conditions shall take precedence unless applicable law requires otherwise.

The purpose of this document is to explain how the Carvado Referral Programme operates, how referral rewards are earned, when rewards become payable, and the standards expected of Members participating in the programme.

CONTENTS

1 Introduction

2 Eligibility

3 Referral Links

4 Qualifying Referrals

5 Referral Rewards

6 Payment of Rewards

7 Self-Referrals

8 Fraud Prevention

9 Suspension or Removal from the Programme

10 Changes to the Referral Programme

11 Governing Law

12 Version History

The Carvado Referral Programme rewards eligible Members who introduce new Members to the Carvado Membership programme.

The programme is intended to encourage genuine recommendations made by satisfied Members and is not intended to operate as an affiliate marketing scheme or commercial sales programme.

These Referral Programme Terms form part of the Membership Agreement.

Capitalised words used within this document have the meanings given within the Membership Terms & Conditions unless expressly defined otherwise.

Participation in the Referral Programme is a Membership Benefit and may not be available to every Membership Tier.

Eligibility is determined by the Membership Benefits applicable to the Member's current Membership Tier.

Only active Members who are eligible to participate in the Referral Programme may earn referral rewards.

Membership must remain active and in good standing at the time a referral reward becomes payable unless Carvado expressly agrees otherwise.

Referral rewards are intended for individual Members.

Participation is personal to the Member and may not be assigned, sold or transferred except where expressly permitted by Carvado.

Members must comply with:

• the Membership Terms & Conditions;
• the Fair Use Policy;
• these Referral Programme Terms;
• all applicable laws relating to advertising and consumer protection.

Failure to comply may result in referral rewards being withheld or cancelled.

Where the Referral Programme is available, Carvado may provide each eligible Member with a unique referral link or referral code.

This referral link is used to identify referrals introduced by that Member.

Members may share their referral link with family, friends, colleagues and other individuals who may have a genuine interest in Membership.

Referral links should always be shared honestly and responsibly.

Members must not make false, misleading or exaggerated claims regarding:

• Membership Benefits;
• insurance savings;
• referral rewards;
• guaranteed outcomes;
• pricing;
• future promotions.

Members should encourage potential customers to read the Membership information before purchasing.

Referral links remain the property of Carvado.

Carvado reserves the right to replace, disable or reissue referral links where reasonably necessary for operational, security or fraud prevention purposes.

A referral will normally qualify only where:

• the new customer joins through the Member's valid referral link or code;
• all eligibility requirements have been satisfied;
• Membership has been successfully purchased;
• applicable fraud checks have been completed.

Existing Members will not normally qualify as new referrals.

Referral rewards are intended for genuinely new Membership customers unless Carvado expressly operates a promotion stating otherwise.

Referral rewards are not earned merely because a potential customer:

• clicks a referral link;
• visits the website;
• creates an account;
• starts checkout;
• begins a Membership application.

The referral becomes eligible only after the qualifying Membership purchase has been successfully completed and all conditions have been satisfied.

Where a qualifying referral is successfully completed, the referring Member may become eligible to receive the referral reward applicable at that time.

The value and form of referral rewards may vary from time to time.

Referral rewards may include, for example:

• cash payments;
• Membership credit;
• account credit;
• discounts;
• promotional rewards;
• exclusive Member benefits;
• merchandise;
• other rewards determined by Carvado.

The applicable reward will be communicated as part of the Referral Programme in operation at the relevant time.

Participation in the Referral Programme does not guarantee that any particular referral will qualify for a reward.

Every referral remains subject to verification under these Terms.

Referral rewards become payable only after the qualifying referral has successfully completed all verification requirements.

Approval is not automatic and remains subject to the conditions contained within these Terms.

Referral rewards are paid in arrears.

A referral reward is not earned simply because a Membership has been purchased.

The referred Membership must first become a valid, paid Membership in accordance with the Membership Terms & Conditions.

Referral rewards will normally become eligible only after:

• the referred Member's first Membership payment has been successfully received by Carvado;
• any applicable payment verification has completed;
• any fraud prevention checks have been satisfied;
• the referral has been approved.

Where the initial Membership payment fails, is reversed, refunded, charged back or otherwise cancelled before approval, no referral reward becomes payable.

The Member Dashboard may display referrals as:

• Pending;
• Approved;
• Paid;
• Cancelled;
• Rejected.

Pending referrals do not represent earned rewards.

Where referral rewards are payable, Carvado may determine the method of payment.

Payment methods may include:

• bank transfer;
• Membership credit;
• account credit;
• another method selected by Carvado.

Approved referral rewards will normally be paid within a reasonable period following approval.

Processing times may vary depending upon payment provider procedures, banking processes and operational requirements.

Members remain responsible for understanding and complying with any personal tax obligations arising from referral rewards.

Carvado does not provide tax advice.

Members may not refer themselves.

The Referral Programme is intended solely to reward genuine introductions of new Members.

Examples of prohibited self-referrals include:

• creating multiple Member Accounts;
• purchasing Membership using another personal email address;
• asking another individual to purchase Membership solely to transfer the benefit back to the original Member;
• creating artificial referrals using businesses or organisations controlled by the Member;
• any arrangement intended primarily to obtain referral rewards.

Referrals involving family members or individuals living at the same address may be subject to additional verification where reasonably necessary.

Such referrals are not automatically prohibited.

Where Carvado reasonably believes a self-referral has occurred, Carvado may:

• reject the referral;
• withhold payment;
• recover rewards already paid where permitted by law;
• suspend Referral Programme participation;
• suspend or terminate Membership in serious cases.

Carvado is committed to maintaining a fair Referral Programme for all Members.

Fraud prevention measures help ensure that referral rewards are earned only through genuine recommendations.

Carvado may carry out reasonable verification before approving any referral reward.

Verification may include:

• identity checks;
• account review;
• payment verification;
• duplicate account checks;
• referral pattern analysis;
• device or technical verification;
• other reasonable fraud prevention measures.

Examples of suspicious activity may include:

• unusually high referral volumes;
• repeated referrals using similar personal information;
• multiple accounts controlled by one individual;
• automated referral generation;
• misleading advertising;
• attempts to manipulate Membership purchases.

These examples are illustrative only.

Where suspicious activity is identified, Carvado may delay approval of referral rewards whilst reasonable investigations are completed.

Members are expected to cooperate with reasonable information requests.

Referral rewards obtained through fraud, deception or manipulation shall not become payable.

Where rewards have already been paid, Carvado reserves the right to recover those sums where legally permitted.

Carvado may temporarily suspend a Member's participation in the Referral Programme whilst concerns are investigated.

During suspension:

• new referrals may continue to be recorded;
• approval of referral rewards may be delayed;
• payments may be temporarily withheld.

Carvado may permanently remove a Member from the Referral Programme where it reasonably believes that:

• fraud has occurred;
• repeated abuse has occurred;
• these Terms have been materially breached;
• continued participation would undermine the integrity of the programme.

Removal from the Referral Programme does not automatically terminate Membership unless separate action is taken under the Membership Terms & Conditions.

Carvado will seek to apply these Terms fairly and proportionately.

Where appropriate, genuine misunderstandings may be resolved through communication before formal action is taken.

The Referral Programme may evolve over time.

Carvado may introduce:

• new reward structures;
• revised qualification criteria;
• promotional campaigns;
• additional reward types;
• operational improvements.

Carvado may change referral reward values at any time.

Changes apply prospectively and do not affect rewards which have already been approved.

Carvado reserves the right to suspend or permanently withdraw the Referral Programme where reasonably necessary.

Withdrawal of the programme will not affect referral rewards which have already been validly approved before withdrawal.

Document:

Referral Programme Terms

Document ID:

CAR-LGL-006

Version:

1.0

Classification:

Public

Status:

Draft for Final Legal Review

Effective Date:

[To be completed]

Review Date:

[To be completed]

Last Updated:

[To be completed]

Document Owner:

Carvado Membership Team

Review Cycle:

Annual or earlier where required by changes in legislation, regulation or Membership operations.

Revision History

Version 1.0

Initial publication.

END OF REFERRAL PROGRAMME TERMS