Last updated: October 17, 2019

1.               Overview

1.1.          The following terms and conditions of the Taptap Send™ Referral Programme (the "Referral Programme") apply to Taptap Send UK Limited ("Taptap Send," “we,” or “us”), and you ("you", "your", or “Participant”), the participant in the Taptap Send Referral Programme. Participation in the Referral Programme is subject to the terms of this Referral Agreement.

1.2.          By accessing, registering with and using the Taptap Send Service, you agree to be enrolled into the Referral Programme and bound by this Referral Agreement. If you do not wish to be bound by the Referral Agreement, do not access, register with or use the Taptap Send Service. The language of this Agreement is English and all Services, instructions and transactions carried out in connection with it shall be in English.

2.               PARTICIPATING IN THE REFERRAL PROGRAM

1.1.          The Referral Program enables you to earn points, rewards, or benefits (“Rewards”) for performing certain Qualifying Actions. The list of Qualifying Actions are listed below and in the Taptap Send mobile application (the “App”), and will be updated from time to time.

2.2.          Qualifying Actions: The Participant shall receive a Reward for the following Qualifying Actions:

                   2.2.1.     Participant enters a valid promotional code; or

                   2.2.2.     Participant (here, the Referrer) makes a Valid Referral to a Referee. A Valid Referral is:

                                     ·        A referral made to a Referee who has not previously registered for the TapTap Send Service;

                                     ·        Referee registers with the Taptap Send Service;

                                     ·        Referee enters the referral code given by the Referrer;

                                     ·        Referee successfully uses the Taptap Send service to transfer money to a person other than the                                               Referrer in a manner that is compliant with this Agreement and our Taptap Send User                                               Agreement; and

                                     ·        Referee's money transfer transaction is successfully executed and not canceled (either by                                               Referee or by Taptap Send).

2.3.          Rewards: The amount and nature of the Reward for each Qualifying Action will be disclosed in the App along with the Qualifying Action.

2.4.          Taptap Send reserves the right to change the list of Qualifying Actions and associated Rewards at its discretion without prior notice. However, Qualifying Actions validly completed before the change will be honored.

3.               PROGRAMME RESTRICTIONS

3.1.          Participants are required to register with the Taptap Send service. Only one registration per Participant will be accepted.

3.2.          Subsequent registrations or money transfers with Taptap Send by the Referee do not qualify as Valid Referrals.

3.3.          Money transfers initiated by the Referee after his or her first successful money transfer with Taptap Send, or to a Referee who is a previous user of the Taptap Send service, do not qualify as Valid Referrals.

3.4.          Taptap Send reserves the right to void any Qualifying Action or payment of any Rewards that: (i) appears to be fraudulent; (ii) appears to have been created as a result of a fraudulent transaction; or (iii) that violates the terms of this Referral Agreement or the Taptap Send User Agreement.

3.5.          Taptap Send reserves the right to limit the number of individuals per household eligible for receiving a Reward.

3.6.          Any attempt by a Participant to abuse this Referral Programme by using multiple/different identities, registrations, logins, and/or any other methods, will void and disqualify the Participant from receiving the Reward in Taptap Send’s sole discretion.

4.               DELIVERY, USE AND EXPIRATION OF REWARDS

4.1.          Taptap Sendwill deposit the Reward in your account on the App once the Qualifying Action has been completed. Your Rewards are cumulative and will be displayed as a Rewards Balance in your account.

4.2.          Taptap Send does not guarantee a delivery time on any Rewards granted.

4.3.          You may apply your Reward against transactions which (i) would be permitted under the Taptap Send User Agreement; and (ii) meet the transaction size requirements shown in the App prior to your transaction.

4.4.          When you choose to apply your Reward against a particular transaction, your entire Rewards Balance will be applied against the transaction. Taptap Send is unable to apply partial amounts of your Rewards Balance.

4.5.          By applying your Reward against a particular transaction, you increase the amount that your Recipient receives, without increasing the amount you pay from your Payment Instrument. You will have an opportunity to review the amounts paid and received, and the Rewards spent, prior to executing the transaction.

4.6.          Rewards are not electronic money and are not refundable, even if the accompanying Transaction is eligible to be refunded.

4.7.          Rewards expire ninety (90) days from the date the Rewards are deposited into your account. Taptap Send will automatically deduct expired Rewards from your Rewards Balance.

5.               LIMITATION OF LIABILITY

5.1.          IN NO EVENT SHALL TAPTAP SEND BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES OF ANY KIND ARISING FROM YOUR PARTICIPATION IN THE REFERRAL PROGRAMME, INCLUDING BUT NOT LIMITED TO SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE AND/OR CONSEQUENTIAL DAMAGES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TAPTAP SEND’S MAXIMUM AGGREGATE LIABILITY TO PARTICIPANT AND ANY THIRD PARTY UNDER ANY AND ALL CIRCUMSTANCES SHALL BE THE THEN-CURRENT DOLLAR VALUE OF THE PARTY’S UNSPENT REWARD.

5.2.          ALL WARRANTIES, EXPRESS AND IMPLIED, REGARDING THE REFERRAL PROGRAM AND USE OF THE TAPTAP SEND SERVICES ARE DISCLAIMED (INCLUDING, WITHOUT LIMITATION, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE). TAPTAP SEND MAKES NO REPRESENTATION OR WARRANTY WITH RESPECT TO ANY RESULTS OBTAINABLE THROUGH THE REFERRAL PROGRAM OR THE DELIVERY TIME OF THE REWARDS.

6.               OTHER TERMS AND CONDITIONS

6.1.          We reserve the right to amend or terminate the Referral Programme at any time without notice. Resolution of all questions or disputes regarding eligibility for the Referral Programme, earnings of rewards, or your compliance with the terms and conditions of this Agreement shall be subject to our reasonable interpretation.

6.2.          We reserve the right to close the account(s) or void the Rewards of any Participant or Referee if either party attempts to use the Referral Programme in breach of this Referral Agreement, the Taptap Send User Agreement, or in violation of any law, statute or governmental regulation.

6.3.          All information collected in the Referral Programme shall be subject to our Privacy Policy.