1. To be eligible to participate in any Referral Scheme we may offer from time to time Referrers must have an existing account with us at the date that they refer a Referee to us and be acting in their private capacity and must not participate in a Referral Scheme for any business purpose. 2. To be eligible to participate in any Referral Scheme we may offer from time to time Referees must not have an existing account with us at the date that they are referred to us; not be the same person as the Referrer; must comply with the instructions that relate to the relevant Referral Scheme including, but not limited to, the stated method of sign up/referral, set up an account with us during the relevant sign up period using the relevant website link or code we will supply to Referrers. They must also complete all necessary “know your client” and/or anti-money laundering checks to open an account with us. 3. Only one offer per person or entity applies. Multiple accounts relating to the same or a connected person, entity and/or (in our discretion) IP address may be treated as one; only the first account shall be eligible. It is however possible, for a Referrer to introduce more than Referee to us. 4. If the Referee completes an investment of at least € 500 in any of our investment projects, both the Referee and the Referrer receive a bonus of €25 paid to their investment wallet. This bonus may be used to invest into any of our investment projects and loses its validity after 3 months. A cash withdrawl of the bonus is not possible. An investment is completed if the Referee transfers the desired loan amount according to the loan contract and makes no use of the 14-day withdrawal period. 5. If more than one Referrer introduces the same Referee to us, any rebate and/or cash back will be given to the Referrer whose website link or code was used by the Referee when they signed up with us during the relevant sign up period. 6. All referrals using methods generated by a script, macro or the use of automated devices will be void. 7. Where we suspect that the terms of any promotion, referral scheme or offer has been breached we reserve the right to reclaim the rebate and/or cash back element of such offers and/or set such sum off against any funds we hold on the relevant customer’s behalf. 8. If any provision of this Agreement, or any part of a provision of this Agreement, is found to be illegal, invalid or unenforceable the remaining provisions, or the remainder of the provision concerned, shall continue in effect. 9. We reserve the right to suspend a promotion or referral scheme at any time if we believe there may be fraud, money laundering or any other illegal activity connected with the relevant account or an issue with legality in the jurisdiction in which the customer is based. 10. By participating customers consent to us processing their data as set out in our Privacy Policy.