Terms and Conditions
LOANS ON DEMAND REFER A FRIEND TERMS AND CONDITIONS

Thank you for participating in the Loans on Demand Refer a Friend Program which is governed by these Terms and Conditions (“Terms and Conditions”). Please read them carefully.

1. LOANS ON DEMAND REFER A FRIEND PROGRAM

At Loans on Demand, we offer our clients (“User”) the opportunity to earn cash rewards by referring other individuals that are not a Loans on Demand User (each a “Potential Customer”) to try the Loans on Demand Services. Loans on Demand reserve the right to terminate the Program at any time for any reason.

These Terms and Conditions shall apply to Participants’ (as defined below) participation in the Program. These Terms and Conditions are supplementary to and should be read in conjunction with any applicable Loans on Demand Terms and Conditions which govern the availability and use of Loans on Demand Services.

Participant may elect to participate or not participate in the Program at Participant’s discretion. By participating in the Program, Participant agrees to use the Program in the manner specified in these Terms and Conditions. If a User or Potential Customer does not agree to these Terms and Conditions in their entirety they will not be authorized to register as a Referrer or Referred Customer or to participate in the Program.

2. ABOUT LOANS ON DEMAND

Any reference in these Terms and Conditions to “Loans on Demand”, “us”, “our” or “we”, shall refer to Loans on Demand, according to the entity providing the Loans on Demand Services to the User or to the Referred Customer that shall register with Loans on Demand as a result of a referral under the Program, as applicable. Any reference to “Loans on Demand” shall refer to the services and functionalities offered by us on our website at www.LoansND.com or through any other means.

3. PARTICIPATION IN THE PROGRAM

As used herein: “Referrer” means a User who refers Potential Customer(s); “Referred Customer” means a Potential Customer referred by Referrer under the Program; and “Participants” means “Referrers” and “Referred Customers” participating in the Program.

Users may participate in the Program by accessing “Refer a Friend” on our website at www.LoansND.com, Referrers must be valid Loans on Demand Users that are not legally prohibited from providing the personal information (e.g., name and email address) of each Referred Customer. For every “Qualifying Referral” (defined below), a Participant may be eligible to receive a “Reward” (also defined below), provided Participant is otherwise eligible under, and fully compliant with, these Terms and Conditions.

We reserve the right to disqualify any User or Referred Customer at any time from participation in the Program if such User or Referred Customer does not comply with any of these Terms and Conditions and/or with respect to a User, any other terms and conditions for other Loans on Demand Payment Services that apply to such User.

4. QUALIFYING REFERRALS

Referrers must only refer real third-party Potential Customers who meet the requirements of these Terms and Conditions. Referrers may not misuse or exploit the Program, and accordingly may not, for example, create multiple or fake accounts under his/her/its name or participate in the Program using multiple or fake email addresses or identities.

By following the on-screen instruction under “Refer a Friend” in “My Account” on our website at www.LoansND.com, Referrers will be provided with a unique referral link (“Referral Link”) to share with Potential Customers, via “Refer a Friend” in User’s “My Account” on our website at www.LoansND.com, or via e-mail, or by any other means of communication elected by the Referrer. Potential Customers may then use the Referral Link to register for the Loans on Demand Services. Referral payouts will be issued only to Users in good standing with Loans on Demand. It is the Referrer’s responsibility to communicate precisely the Referral Link as received, without any typos or other mistakes.

Rewards will only be awarded for Qualifying Referrals. A “Qualifying Referral” means that all of the following cumulative conditions are met:

5. EARNING REWARDS

A Reward valued at 2.5% of loan amount (the “Reward”) shall be awarded by Loans on Demand to the Referrer. Loans on Demand may set a maximum amount of Qualifying Referrals per calendar year with respect to aggregate Rewards that may be earned. Rewards will be credited to Participants’ Loans on Demand account, and may be viewed in “Refer a Friend” under “My Account” on our website at www.LoansND.com. Rewards may be subject to verification by Loans on Demand in its sole discretion. Loans on Demand may withhold a Reward for investigation, or refuse to process any transaction it deems fraudulent, suspicious, or in violation of these Terms and Conditions, or if Loans on Demand believes it will impose an undue liability on it, its subsidiaries, affiliates or any of their respective officers, directors, employees, representatives and agents. All of Loans on Demand’s decisions are final and binding, including decisions as to whether a Qualifying Referral Reward is valid. Rewards are not transferable and may not be auctioned, traded, bartered or sold.

We reserve the right to modify or amend at any time the methods through which Rewards are earned.

Additionally, Referrers must not use any paid advertisement to promote the Loans on Demand Services or the Program, including but not limited to, paid search marketing, advertisements (banners), affiliate networks, paid email campaigns and other similar methods. Referrers may not use illegal or otherwise objectionable content in connection with any communications relating to the program and/or any referrals made under the Program.

Other than as specifically set forth in these Terms and Conditions, Referrers may not use the Loans on Demand name and/or any of Loans on Demand’s marks or logos at any time.

Each Participant will be responsible for any tax reporting and/or payment obligations under applicable in respect to any Reward received under the program.

6. PRIVACY; USE OF INFORMATION

Participant acknowledges that if it/he/she chooses to participate in the Program, it/he/she may be required to submit to Loans on Demand certain personal information about them such as name and e-mail address, and additional information reasonably requested by Loans on Demand. A Participant’s participation in the Program constitutes permission to Loans on Demand to use any Participant’s first and last name, profile information, email address, biographical information, and city and Parish address for any and all promotional or advertising purposes in connection with the Program, on a worldwide basis and in all forms of media without review, permission or further compensation of any amount or kind whatsoever, unless prohibited by law.

The personal information will be collected, processed and used in accordance with Loans on Demand’s Privacy Policy.The personal information may be used by Loans on Demand to contact Participants with regard to participation in the Program and to receive communications from Loans on Demand.

Referred Customers may notify Loans on Demand if they are not interested in receiving communications from Loans on Demand [and/or do not wish to participate in the Program by clicking “unsubscribe” in the first communication they receive via the Refer a Friend Program.

Any Referred Customers participating in the Program acknowledge and agree that by registering to Loans on Demand via the Referral Link, he/she/it is, among other things, agreeing that (i) the Referrer will be notified when the Referred Customer completed the registration process with Loans on Demand using the Referrer’s Referral Link.

7. INDEMNIFICATION; LIABILITY

By participating in the Program, Participants agree to release and hold harmless Loans on Demand and its respective affiliates and subsidiaries from any claim, demand, damage, loss, liabilities, costs or expenses (including legal fees, fines or penalties) caused by, arising out of, in connection with, or related to their breach of any applicable law or regulation and/or participation in the Program. This provision shall survive termination of the relationship between Participants and Loans on Demand.

Loans on Demand and its respective affiliates and subsidiaries shall not be liable for: (i) late, lost, delayed, stolen, misdirected, incomplete unreadable, inaccurate, garbled or unintelligible entries, communications or affidavits, regardless of the method of transmission; (ii) telephone system, telephone or computer hardware, software or other technical or computer malfunctions, lost connections, disconnections, delays or transmission errors; (iii) data corruption, theft, destruction, unauthorized access to or alteration of entry or other materials; (iv) any injuries, losses or damages of any kind resulting from acceptance, possession or use of a Reward, or from participation in the Program; or (v) any printing, typographical, administrative or technological errors in any websites or materials associated with the Program. Loans on Demand disclaims any liability for damage to any computer system resulting from participating in, or accessing or downloading information in connection with this Program, and reserves the right, in its sole discretion, to cancel, modify or suspend the Program should a virus, bug, computer problem, unauthorized intervention or other causes beyond Loans on Demand’s control, corrupt the administration, security or proper administration of the Program.

Loans on Demand and its respective affiliates and subsidiaries shall not be liable to any Participant for failure to provide any Reward or any part thereof, by reason of any acts of God, any action(s), regulation(s), order(s) or request(s) by any governmental or quasi-governmental entity (whether or not the action(s), regulations(s), order(s) or request(s) prove(s) to be invalid), equipment failure, threatened terrorist acts, terrorist acts, air raid, blackout, act of public enemy, earthquake, tornado, tsunami, war (declared or undeclared), fire, flood, epidemic, explosion, unusually severe weather, hurricane, embargo, labor dispute or strike (whether legal or illegal), labor or material shortage, transportation interruption of any kind, work slow-down, civil disturbance, insurrection, riot, or any other similar or dissimilar cause beyond any of Loans on Demand’s and its respective affiliates’ and subsidiaries’ control.

Under no circumstances will Participants be entitled to any claim for any losses or damages, and Participants hereby waive all rights to claim punitive, incidental, consequential and any other damages, and waives any and all rights to have damages multiplied or otherwise increased.

8. INDEMNIFICATION; LIABILITY

Participants agree not to use the Program to:

If a Referrer provides a Referral Link to a Referred Customer by email, the email must be created and distributed in a personal manner that is appropriate and customary for communications with friends, colleagues and business acquaintances. Bulk email distribution, distribution to strangers, or any other promotion of a Referral Link in a manner that would constitute or appear to constitute unsolicited commercial email or “spam” in Loans on Demand’s sole discretion is expressly prohibited and may be grounds for immediate termination of the Referrer’s participation in the Program, the Referrer’s Loans on Demand account and Referrer’s eligibility for Loans on Demand Payment Services, including deactivation of the Referral Link.

Loans on Demand may prohibit a Participant from participating in the Program or receiving a Reward, in its sole discretion, if it determines that such Participant is attempting to undermine the fairness, integrity or legitimate operation of the Program in any way by cheating, hacking, deception, or any other unfair playing practices of intending to annoy, abuse, threaten or harass any other users or representatives of Loans on Demand. Use of any automated system to participate is strictly prohibited and will result in disqualification. Participants may not enter with multiple or fake emails addresses or accounts, use fictitious identities or use any system, bot or other device or artifice to participate in the Program or receive a Reward. Loans on Demand reserves the right to disqualify any Participant and/or cancel any Reward(s) it finds to be tampering with the entry process or the operation of the Program or violating these Terms and Conditions. Referrals generated by a script, macro or other automated means will be disqualified. If a solution cannot be found to restore the integrity of the Program, we reserve the right to cancel, change, or suspend the Program. ANY ATTEMPT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROGRAM MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS AND WILL RESULT IN DISQUALIFICATION FROM PARTICIPATION IN THE PROGRAM. SHOULD SUCH AN ATTEMPT BE MADE, LOANS ON DEMAND RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY FEES) TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION

9. CUSTOMER SUPPORT

Participants may contact Loans on Demand for any issue and/or for any additional information, at any time through “Contact Us” at www.LoansND.com



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