Refer-a-Friend Bonus Programme Terms and Conditions

1. These Terms and Conditions set out the rules of the Refer-a-Friend programme, which allows Users of the platform to earn bonuses by recommending Afranga to their acquaintances, as well as the conditions for granting and receiving such bonuses.

2. The Refer-a-Friend bonus programme is an ongoing programme with no fixed end date. Afranga reserves the right to suspend, modify, or terminate the programme at its sole discretion without prior individual notification.

3. Every Afranga User may participate as a Referrer, and their acquaintances may participate as Referrals, provided the programme is active.

4. Under this programme, the bonus is a fixed amount of EUR 50 for the Referrer and EUR 50 for the Referral.

5. To qualify for the bonus:

·       The Referrer must have an active investment balance of at least EUR 1,000 at the time of referral.

·       The Referral must register via the referral link or invitation and invest at least EUR 1,000 in SaveSmart or Primary Market loans within 30 days of completing their account verification. This amount may be invested as a single investment or accumulated across multiple investments made within the 30-day period. Loans bought on the Secondary Market do not count towards the bonus.

·       The Referral must be at least 18 years old, based in the European Union.

6. There is no limit to the number of Referrals a User can invite.

7. Each of the Referral’s investments is subject to a 4 (four) day withdrawal (revocation) period, during which that investment may be cancelled. The qualifying criteria are considered met on the date of the investment that brings the Referral’s cumulative qualifying investments to at least EUR 1,000 (the “Qualifying Investment”). The bonus will be granted to both the Referrer and the Referral 4 (four) days after the Qualifying Investment, provided that none of the qualifying investments has been cancelled within its revocation period.

8. If any of the Referral’s qualifying investments is cancelled within its revocation period such that the total amount invested falls below EUR 1,000, the bonus will not be granted, or will be revoked if already credited.

9. The bonus cannot be withdrawn before it has been invested on the platform. Any amount received under this programme must pass through at least one investment cycle before it becomes available for withdrawal.

10. Users must not misuse or abuse the programme. Afranga reserves the right to determine abuse at its sole discretion.

11. Afranga reserves the right to disqualify Users, withhold or reverse bonuses in cases of fraud, abuse, or violation of these Terms.

12. Users must cease participation immediately if requested by Afranga.