Refer A Friend Terms and Conditions
Referring a friend is a great way to tell others about ZELF but there are a few rules so everyone plays fair. These Terms and Conditions (the “Terms and Conditions”) set out the rules that govern ZELF Refer a Friend Programme. By using the Refer a Friend Programme, you confirm that you accept these Terms and Conditions and will comply with them. If you do not agree to these Terms and Conditions in their entirety, you are not authorised to participate in the Refer a Friend Programme.
To participate in the Refer a Friend Programme, join ZELF on www.zelf.co with one of your messengers (Facebook Messenger, WhatsApp, Telegram or Viber), pre-order ZELF card and select “Invite” in the chatbot menu. Users who invite friends to participate in the Refer a Friend Programme are called “Referrers”. Individuals who receive an invitation to participate in the Refer a Friend Programme are called “Referees.” Individuals who receive an invitation to participate in the Refer a Friend Programme from referees are called “2nd level Referees”.
  1. Referrers can invite multiple friends – there’s no limit. Referred friends must be completely new to ZELF. Refer a Friend Programme will provide referrer and his Referee with a bonus “€5 cash back”. 2nd level Referees will bring additional bonus “€1 cash back” to the initial referrer. Referees must accept the Refer a Friend Terms and Conditions and complete an online ZELF registration and pre-order the card.
  2. Post the unique referral link on personal social media accounts, excluding any site that is contributed to or owned by someone else (eg Wikipedia). Note: search engine marketing (eg Adwords, Yahoo or Bing) or the words “coupon”, “code”, “promo code”, “discount code”, “voucher code” or “voucher” must not be used to promote posts.
  3. ZELF can change the bonus at any time. The amount of the bonus you will be entitled to will be the amount that applies at the time you meet all requirements of the Refer a Friend Programme.
  4. The bonuses have no official monetary value and can be used to refund purchases made with the card.
  5. Both the Referrer and the Referee will generally be entitled to redeem the bonuses when (a) the Referrer has shared the Referral Link with the Referee; (b) the Referee uses the Referral Link to accept these Terms and Conditions and registers in official ZELF chatbots found on www.zelf.co; and (c) the Referee has topped up and completed a transaction that (i) meets the requirements of the Refer a Friend Programme within his or her jurisdiction, (ii) has been approved by ZELF, and (iii) has been received by the recipient (a “Qualifying Transaction”).
  6. A “Qualifying Transaction” can be made with the virtual card both online and offline of minimum €5 with independent business, and does not include wallet-to-wallet transactions, card-2-card transfer, SEPA transfers and any other types of transfers.
  7. About the Refer a Friend bonuses.
    1. All bonuses that collected during Refer a Friend Program can be used to cover purchases (see it as a "reverse cash back").
    2. The bonus has two statuses: Spendable and Pending. Pending bonuses show the maximum spendable potential (e.g. all friends invited by you become verified users and made their first transaction, more on that below). Spendable bonuses are available to refund the purchases.
    3. How to collect and redeem bonuses: Welcome bonus: Once new user creates Zelf account and pre-orders the card he will see two lines in the menu: €4 – Pending bonuses; €1 – Spendable bonuses. After Zelf card is issued, users can spend spendable bonuses. When users top up the card and make a Qualified Transaction of €5 the ratio between two bonus types change again, adding €1 bonus to a spendable bonus balance: €3 – Pending bonuses; €2 – Spendable bonuses. To transfer all resting bonuses from pending to spendable account users need to verify themselves. Refer-a-friend bonuses work similar. Bonuses from 2nd level referee become spendable when a friend of your friend gets a ZELF card.
    4. Invite links are infinite and do not have expiry period. However you get bonuses only for referees who have completed registration via your link.
    5. The period of card activation after the card is received is 30 days. To activate the card the card holder is required to Top Up the card and make a Qualified Transaction.
    6. The period of account verification is 30 days. To verify the account the card holder is required to do the KYC.
  8. Prohibited Actions
    1. You may only use the Refer a Friend Programme in good faith and in compliance with applicable laws. The following uses are prohibited, and you agree not to use the Refer a Friend Programme to do any of the following:
      1. Creating multiple, duplicate, or fake profiles at www.zelf.co in order to invite yourself;
      2. Inviting others who have created multiple, duplicate, or fake profiles;
      3. Using alternative contact information to send Referral Links to yourself or others;
      4. Inviting persons through spam or unsolicited or otherwise undesirous communications;
      5. Inviting fictitious or fake persons;
      6. Impersonating any person or otherwise misrepresent any person’s identity;
      7. Making transfers or payments to another user that are not genuine payments or transfers;
      8. Interfering with or disrupting any servers, networks, or systems connected to the Refer a Friend Programme;
      9. Doing anything that harms or damages the brand, goodwill, or reputation of ZELF or any service providers that assist ZELF with providing the Refer a Friend Programme;
      10. Transmitting any file that contains viruses, worms, Trojan horses, or any other contaminating or destructive features;
      11. Using any automated system, script, or macro to participate in the Refer a Friend Programme;
      12. Stalking, harassing, or harming any other individual;
      13. Using the Refer a Friend Programme in any way that ZELF (in its sole and absolute discretion) considers to be unreasonable, excessive, or in bad faith;
      14. Using the Refer a Friend Programme in any way that breaches any applicable local, national, or international law or regulation, or that is in any way unlawful, fraudulent, or wrongful, or has any unlawful, fraudulent, or wrongful purpose or effect.
    2. You represent and warrant that neither you, nor any person acting on your behalf or with your authorisation, will use or permit the Refer a Friend Programme to be used in a prohibited manner.
  9. Data Protection To participate in the Refer a Friend Programme, you must provide personal information about yourself; otherwise ZELF is not able to provide you with any bonuses to which you may become entitled. Your personal information will be processed in accordance with the Privacy Policy.