Bondora’s Referral Program:
Terms and Conditions

  1. General conditions

    1. Definitions

      1. Definitions of the terms within this Referral Program are the same as defined in the general Terms of Use of Bondora unless otherwise provided as follows:
        1. Bondora means Bondora Capital OÜ;
        2. Referral Program means this respective Bondora’s Referral Program;
        3. Referrer means a User of Bondora who introduces other person to be a User under the Referral Program by sending respective referral link made available to the Referrer;
        4. Referred Person means a person, who registers itself as a Bondora’s User using the unique link sent by the Referrer under the Referral Program;
        5. URL means a unique link generated to the Referrer by Bondora for participating in the Referral Program;
        6. Referral Reward means a bonus reward as a monetary payment or bonus by other means to the Referrer or the Referred Person if all conditions applicable for the Referrer or Referred Person are fulfilled;
        7. Trial Offer – means a bonus as a monetary payment from Bondora to the Referred Person if all conditions applicable for the Referred Person are fulfilled;
        8. Support - means a Bondora’s investor support contact e-mail [email protected];
        9. Registration Date – means a day when the respective Referred Person registers itself as a User in the Portal using the unique URL which was received from the Referrer and the registration can be tracked by Bondora;
        10. Calculation Date – means a day 30 calendar days from the Registration Date;
        11. Investment Balance – means following calculation: purchased Claims at purchase price regardless of the products used - sold Claims at sales price - principal repayments from the Claims - amount received as Trial Offer.
    2. General Rights and Obligations

      1. Bondora may from time to time offer an opportunity to earn rewards by referring other persons to become a User of Bondora. Bondora reserves the right to terminate or amend the Referral Program at any time for any reason.
      2. These terms and conditions shall apply to Users who participate in the Referral Program. By participating in the Referral Program the Users agree to use the Referral Program in the manner specified in these terms and conditions.
      3. The Users are deemed to participate in the Referral Program if they fulfill the requirements applicable for the Referrer or the Referred Person as described below. The Users participating in the Referral Program bear a burden of proof on proving needed evidence that indicates that they meet all needed requirements. It means that if Bondora finds out that any of the requirements is breached, it is considered as a breach until and unless the respective User sends evidence that Bondora finds sufficient.
      4. The User will not be considered as a Referrer or the Referred Person and will not receive the Referral Reward or/and the Trial Offer under these terms, if:
        1. the Referrer or the Referred Person have breached these terms and conditions or any other terms and conditions for Bondora or its affiliates’ services applying on them;
        2. the Referred Person has not registered itself as a User through the URL and/or Bondora is not able to track such registration (i.e. the referral code is not present in the cookie);
        3. the Referred Person is already a User of Bondora’s Portal or/and has already participated in the Referral Program;
        4. the Referrer or the Referred Person have no right to become a User of the Portal in accordance with any terms or conditions of Bondora or its affiliates;
        5. the Referrer or the Referred Person has misused or exploited the Bondora’s Referral Program offer (for example created multiple or fake accounts or participate in the offer using multiple or fake email addresses or identities);
        6. the Referrer or the Referred Person conduct any fraudulent activities (illegal use of Bondora trademark, illegal intellectual property usages or other breaches of any Bondora’s rights or other activities against the law are deemed as fraudulent activities).
      5. For the avoidance of doubt, the activities which are considered as illegal use of Bondora’s trademark (for example Bondora, Go&Grow etc.), amongst other illegal intellectual property usages or other breaches of Bondora’s rights, are following (non-exhaustive list of examples):
        1. acting directly or indirectly in the name of Bondora (i.e. there must be a clear distinction from acting as Bondora or by acting as you for the third parties);
        2. opening or operating any social media account, portal or website which uses Bondora name, logo or trademark;
        3. using the paid search ads (for example Google, Bing or other similar) with Bondora brand-related or generic keywords, sending traffic to your domain and automatically redirecting it to Bondora’s sites or which directly link to Bondora sites with affiliated link;
        4. promoting Bondora in e-mails/SMS or other similar means or push notifications without the opt-out option for their audience;
        5. adding Bondora links to any adult, casino, cashback, coupons, discriminatory, websites consisting hostile or offensive content or incitements to violence or websites with content that fails to respect the legal rights of others (including infringement of the intellectual property rights of others, such as file-sharing, torrent or pirate sites or other forms of intellectual property piracy) or which is defamatory to others or other similar websites;
        6. doing other activities which violate directly or indirectly Bondora’s rights or harm in any way Bondora’s reputation.
      6. Bondora’s website, marketing materials, trademark, brand, URLs and other similar Bondora’s business activity products and rights attached to these, fall strictly under protection of international copyright, intellectual property law or other respective law. Upon misusing the Referral Program terms and conditions, Bondora can use all legal remedies against the User(s), including initiate a court proceeding.
      7. The URL and any other Bondora’s URLs are only for personal use, i.e. distributing of named URLs without Bondora’s prior written consent for the Referrer’s, Referred Person’s or third party’s economic purposes which is not clearly allowed under these respective terms and conditions and activities with criminal, slanderous or otherwise illegal nature are prohibited. The activities which fall into provided list are subject to definition by Bondora’s sole discretion.
      8. It is strictly prohibited to alter, change, modify the original URL or share the URL on Bondora’s public channels. It is not allowed to use the URL in any way that is against the values of Bondora and/or against with the good business standards.
      9. The Referrer or the Referred Person may not use illegal or otherwise objectionable content in connection with any communications relating to the Referral Program and to any referrals made under the Referral Program.
      10. The Referrer and the Referred Person will be responsible for any tax reporting and/or payment obligations applicable in respect to any rewards/bonuses received under this Referral Program.
      11. The exploitation or abuse of Bondora’s website (including app) software bugs are strictly prohibited. The User, who identifies any named software bugs, must inform about the bug immediately after noticing the software bug by contacting Support. If the User exploits or abuses Bondora software bugs in any way, Bondora will use all legal remedies against the User, including if needed, initiate court proceeding against the User.
      12. Bondora reserves the right to disqualify any User (incl. block the Portal account) at any time from participation in the Referral Program if such User does not comply with the terms and conditions or any other terms and conditions for other Bondora services that applies to respective User.
      13. All rewards under these terms and conditions are subject to verification by Bondora in its sole discretion. Bondora may withhold a Referral Reward or Trial offer for investigation if the Referrer’s or Referred Person’s activity deems fraudulent, suspicious or in violation of these terms and conditions. Bondora has a right to modify or amend at any time the methods through which the rewards are earned.
      14. Please note that under Bondora's sole discretion, if the Referred Persons’ investments will be partially or fully withdrawn from the respective Referred Person’s Portal account within 180 calendar days from the date of the Referral Reward being paid to the Referred Person’s Portal account, Bondora has the full right to claim back the full Referral Reward paid out at any time.
      15. Bondora may use third parties (including court) to collect back the Referral Reward from the Referred Person.
      16. Bondora reserves the right to claim back the Referral Reward or Trial Offer after such bonus has been credited to Referrer’s or Referred Person’s Portal account and Bondora deems that the Referrer or respective Referred Person have misused or exploited the Referral Program. Bondora has right to offset the amount of paid bonus(es) with the money available on the respective User’s account. If Bondora’s claim is higher that the amount that can be offset on the respective User’s Portal account, Bondora has right to additional repayment claim of paid bonus(es) in addition to already offset money.
      17. Legal relationships arising from participating in this Referral Program are governed by these terms and conditions and by the general Terms of Use published on the Portal.
      18. Please contact Bondora for any issue and/or for any additional information at any time by sending an e-mail to Support.
  2. Special conditions

    1. Qualifying as Referrer

      1. If a User wants to participate in the Referral Program as a Referrer, the URL will be made available on the User’s Portal account. The Referrer may share, send or make the URL available to third persons.
      2. If a User falls under Referrer’s status and no conditions set by these terms are breached, the User will be granted with Referral Reward as described below.
      3. The Referrer will receive a one-time Referral Reward of 5% of the investments (in maximum amount of 500 euros) made by the respective Referred Person through the Portal, which will be calculated as follows:
        1. the calculation of the Referral Reward will be done on the Calculation Date;
        2. the Referral Reward will be calculated from the amount of Investment Balance only if the investment by the Referred Person is at least 10 euros. Deposits from third parties are excluded from the Investment Balance;
        3. the Referral Reward will be credited to the Referrer’s Portal account within 90 calendar days after the Calculation Date, if all the conditions for the Referral Reward have been fulfilled.
    2. Qualifying as Referred Person

      1. If a User wants to participate in the Referral Program as a Referred Person, the registration in the Bondora Portal must be done using the URL provided by the Referrer (i.e. Bondora is able to track the referral code during registration).
      2. If a User falls under Referred Person’s status and no conditions set by these terms are breached, the User will be granted with Trial Offer and Referral Reward as described below.
      3. The User can participate in the Referral Program only once, i.e. the Referral Reward and the Trial Offer will be credited only once.
      4. The Referred Person will receive to respective Referred Person’s portal account 5 euros of Trial Offer for investing via Portal on the Registration Date. Bondora reserves the right to reclaim the Trial Offer in full if the respective User has received such Trial Offer and has not invested in amount of at least 10 euros within the 30 calendar days of the receipt of such Trial Offer.
      5. In case the Trial Offer has been used for purchasing the Claim by the respective User, Bondora has a right to sell the Claim and transfer the funds received from such sale to the account of Bondora or transfer the ownership of the respective Claim to Bondora on behalf of the respective User. Bondora is not obligated to notify the respective User of such reclaim of the Trial Offer or a sale of the Claim.
      6. If a User falls under Referred Person’s status, the User will receive a one-time Referral Reward of 5 euros, which will be paid as follows:
        1. the Referral Reward shall be paid to the Referred Person only if the investment by the Referred Person is at least 10 euros;
        2. the Referral Reward will be credited to the Referred Person’s Portal account within 90 calendar days after the Calculation Date, if all the conditions for the Referral Reward have been fulfilled.

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