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FINTEI Referral Program Terms & Conditions

Updated March 1, 2023

By participating in the FINTEI Referral Program (referred to as the "Program"), you hereby acknowledge and consent to abide by the terms and conditions ("Terms") presented herein. These Terms are supplementary to, and subject to, FINTEI's existing Terms of Use and Privacy Policy. Additionally, you commit to complying with all applicable laws and regulations. Should you disagree with these Terms, we kindly request that you refrain from participating in the Program.

Financial Technology Executive Institute ("FINTEI") retains the authority to amend or terminate the Program at its discretion, either in part or in full, as outlined in the sections below.

ELIGIBILITY 

To qualify as a referrer in the Program (referred to as an "Advocate"), you must meet the following criteria:

(a) You must be a legal resident of the fifty (50) United States or the District of Columbia.

(b) You must have reached the age of majority in your state, jurisdiction, or country of permanent residence.

(c) You must possess a FINTEI account that is in good standing.

(d) You must neither be currently subscribed to FINTEI Plus, nor have had a previous subscription or free trial for FINTEI Plus.

The Program is considered void in areas other than the specified regions and in locations where it is prohibited. Furthermore, individuals who are employees, officers, or directors of FINTEI, as well as businesses, corporations, or other entities of any nature, are ineligible to participate in the Program.

HOW TO PARTICIPATE AND REDEEM REWARDS 

To participate in the Program as an Advocate, you are required to refer a friend or family member ("Friend") who has not previously subscribed to FINTEI Plus or utilized a FINTEI Plus free trial.

Advocates can make referrals by following these steps:

  • Log in to your FINTEI account.
  • Visit www.fintei.org/pages/referral.
  • Follow the on-screen instructions to refer Friends in either of the following ways:
    a. Enter your Friends' names and email addresses in the designated fields. FINTEI or its authorized agent will then send an email to your Friends on your behalf, including your unique referral link ("Referral Link").
    b. Copy your Referral Link and share it with Friends through your personal communication channels, such as email or social media. Such a message is referred to herein as a "Referral Message."

In each Referral Message, Advocates must clearly communicate that they will receive a reward for the first Friend who makes an eligible purchase using the Referral Link. Failure to provide this disclosure is a violation of these Terms and may result in immediate termination from the Program, disqualification from future participation, and forfeiture of any rewards owed as a result of Program participation.

FRIEND AND ADVOCATE REWARDS

Starting from January 1, 2022, if a Friend subscribes to FINTEI Plus using an Advocate's Referral Link, they will receive a reward known as the "Current Offer Friend Reward," amounting to $1 for their initial month of FINTEI Plus subscription. In return, for the Advocate who successfully referred this Friend and enabled them to redeem the Current Offer Friend Reward, there will be a corresponding "Current Offer Advocate Reward" of $1 applied to the Advocate's first month of FINTEI Plus.

Please note that Current Offer Advocate and Friend Rewards are limited to one per individual and can solely be utilized for the first month of the Advocate's or Friend's FINTEI Plus subscription. Additionally, FINTEI reserves the right to periodically offer promotional rewards increases for specific durations to all or a portion of its customers or members.

REDEMPTION OF REWARDS

Advocate Rewards and Friend Rewards, collectively referred to as "Rewards" and individually as a "Reward," are non-transferable, non-saleable, and cannot be exchanged for cash. They also cannot be combined with other offers, promotions, or discounts.

Time Limit: Rewards must be redeemed by January 1, 2025. FINTEI reserves the right to extend the Reward Time Limit at its sole discretion.

Limit: Each person is limited to one (1) Reward redemption.

In the event that a Friend receives multiple Referral Links, FINTEI will only provide a Reward for the first Advocate Referral Link used by the Friend to make an eligible purchase. This means that if multiple Advocates refer the same Friend, only one of those Advocates will be entitled to receive an Advocate Reward (i.e., the Advocate whose Referral Link is used first by the Friend to make an eligible purchase), and the Friend will only receive one Friend Reward. All other referrals will automatically be invalidated.

Rewards are subject to verification, and FINTEI reserves the right to delay or refuse to issue a Reward for reasons deemed relevant by FINTEI, such as non-compliance with these Terms or any deceptive behavior.

PROHIBITION ON BULK DISTRIBUTION ("SPAM")

An Advocate's Referral Link may only be used to obtain Advocate Reward(s) and for personal, non-commercial purposes. It may not be shared, sold, or used in any other way.

If an Advocate sends a Referral Message, they are considered the actual sender and must comply with all applicable laws and regulations, including the CAN-SPAM Act. Referral Messages must be created and distributed in a personal, non-commercial manner appropriate for communications with friends and family members. By sending a Referral Message, the Advocate represents that they have the necessary permission and consent to send such a message to their Friend(s).

Bulk distribution of Referral Messages, distribution to strangers, or any other conduct contrary to these Terms or the spirit of the Program is expressly prohibited and may result in immediate termination and potential legal action. Advocates who do not comply with Relevant Laws are obligated to indemnify FINTEI and its parent companies, affiliates, subsidiaries, representatives, consultants, contractors, website providers, and their respective officers, directors, employees, representatives, and agents against any liabilities, costs, and expenses incurred as a result of such non-compliance with Relevant Laws.

RESTRICTIONS

Exploiting the Program or aiding others in doing so is strictly prohibited and will result in disqualification from the Program. Advocates are not allowed to refer themselves or create multiple fictitious or fake accounts with FINTEI. Furthermore, Advocates and Friends must not:

(i) Use the Program to violate any laws, infringe upon or violate the rights of any third party, or engage in behavior that is considered unfair, disruptive, harassing, harmful, illegal, hateful, obscene, or contrary to the spirit and intent of the Program.

(ii) Tamper with the Program.

(iii) Collect or harvest personally identifiable information from the Program or associated website(s).

(iv) Utilize any system, bot, or other device or means to participate or gain any advantage in the Program.

CAUTION: Any deliberate attempt to damage or undermine the legitimate operation of the Program may be in violation of criminal and civil laws. If such an attempt is made, FINTEI reserves the right to seek remedies and damages (including attorney fees) to the fullest extent permitted by law, including criminal prosecution.

MODIFICATION OR TERMINATION OF PROGRAM

The Program is offered at FINTEI's discretion, and FINTEI reserves the right to terminate, suspend, or modify the Program, these Terms, Rewards, participation conditions, or any other aspect of the Program, in whole or in part, at any time, with or without notice. Such changes may affect Rewards already earned. You understand that the most recent version of the Terms will be available here. Your continued participation in the Program after any modification of these Terms indicates your acceptance of the modified Terms. You may choose to object to the Program's modification and/or its Terms by discontinuing your participation.

LIMITATION ON LIABILITY AND DISCLAIMER OF WARRANTIES

By participating in this Program, you agree that FINTEI and its agents, representatives, affiliates, officers, directors, and employees will not be liable for any injuries, losses, claims, damages, or any special, exemplary, punitive, indirect, incidental, or consequential damages of any kind, whether based in contract, tort, strict liability, or otherwise. This includes damages resulting from any use of the Program, any failure or delay by FINTEI in connection with the Program, or the performance or non-performance of the Program by FINTEI, even if FINTEI has been advised of the possibility of damages.

This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation, computer virus, communications line failure, theft, or destruction, or unauthorized access to, alteration of, or use of your information.

FINTEI provides no warranty of any kind regarding the Program, which is provided on an "as is" and "as available" basis. FINTEI expressly disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and those arising by statute or otherwise in law or from a course of dealing or usage of trade.

FINTEI is not responsible or liable for any warranty, representation, or guarantee, express or implied, in fact or in law, relative to the Program. This includes, without limitation, any warranty that the Program will be error-free, or as to the accuracy, completeness, and timeliness of any content or information distributed in connection with the Program.

NOTE: Some states and countries do not allow the limitation of liability and disclaimer of implied warranties, so the disclaimers and limitations above, in whole or in part, may not apply to you.

ADDITIONAL TERMS

Information gathered from you will be utilized in compliance with FINTEI's Privacy Policy, accessible athttps://www.fintei.org/pages/privacy

These Terms constitute the complete agreement between you and FINTEI concerning the Program, superseding any previous understandings or agreements (whether oral or written) pertaining to the Program. Any disputes arising from the Program or these Terms will be subject to the applicable provisions in FINTEI's Terms of Use, accessible athttps://www.fintei.org/pages/terms.