Reward and Earn Terms and Conditions

1. OVERVIEW

1.1 The criteria under which our customers may be eligible to receive referral bonuses under the Referral Programme are outlined in the following terms and conditions under the Referral Agreement.
This Referral Agreement governs participation in the Referral Program.

1.2 You consent to being enrolled in the Referral Programme and being bound by this Referral Agreement by downloading the IME London App and using the Services, as well as by taking part in the
Referral Programme by referring someone or using a referral code. We would request you not share your referral code if you do not want to be bound by the Referral Agreement.
This Referral Agreement is in the English language, and any services, instructions, and transactions related to it must also be conducted in English.

2. TAKING PART IN REWARD AND EARN SCHEMES

2.1 By completing Eligible Activities, you can earn reward amounts (referred to as "Rewards") through the Referral Programme. Here is a list of requirements that will be
updated periodically by IME London.

2.2 Eligible Activities: After completing the following eligible activities, the Participant will receive a Reward.

2.3 A referee receives a “Valid Referral” from a participant (the “Referrer”). For a referral to be considered valid, the following requirements must be met:
• Referrer refers a Referee who hasn't registered for the Service before.
• Referee registers the Mobile Application and enters Referrer's referral code during registration.
• Referee successfully uses the Service to transfer money to someone other than Referrer in a way that complies with this Referral Agreement and our IME London Send User Agreement.
• The amount sent in the Referee's first transfer is equal to or greater than the minimum transfer amount set by IME London
• The Referee's money transfer transaction is successfully completed and is not cancelled (by the Referee)

2.4 IME London reserves the right to impose and/or change minimum transfer limits at its discretion. These will be displayed in the App to the Referee.
Where a minimum transfer limit is in place, only transfers that exceed this limit will be accepted.

3. PROGRAMME RESTRICTIONS

3.1 It is necessary for participants to register with the service. There will only be one registration allowed per participant.

3.2 Referrals to a Referee who has previously used the Service, or money transfers started by the Referee following his or her first successful money transfer with IME London,
are not considered Valid Referrals.

3.3 Any payment of Rewards that (i) seems fraudulent; (ii) appears to have been created as a result of a fraudulent transaction; or (iii) violates the terms of this Referral Agreement
or the IME London User Agreement may be void by IME London at its sole discretion.

3.4 IME London retains the authority to restrict the quantity of people in each household who are qualified to receive a Reward.

3.5 A participant will be declared ineligible to receive the reward at IME London's sole discretion if they attempt to abuse this referral program by using multiple/different identities,
registrations, logins, or any other tactic we deem abusive.

4. DELIVARY, USE AND EXPIRATION OF AWARDS

4.1 After the requirement is completed, IME London will deposit the Reward into your App account. The cumulative value of your rewards will show up in your account as a balance as
Reward Amount in Mobile App.

4.2 For Successful Registration both Referee and Referral will get 5£ and after successful transaction by referee both parties will get 5£ so you will receive 10£ in total.
The amount may change later and will be informed.

4.3 The full reward amount will be applied if you decide to use it toward a specific transaction. Subsequently, IME London might set restrictions on how much can be used as a reward.

4.4 You may enhance the amount that your Recipient receives by applying your Reward against a specific transaction, all while keeping the amount you pay from your Payment Method
(as specified in the IME London User Agreement) the same. Before completing the transaction via the App, you will have a chance to check the sums paid and received, as well as the Rewards used.

5. OTHER TERMS AND CONDITIONS

5.1 The Referral Program may be changed or discontinued at any time without prior notice, as per our reserve. Our reasonable interpretation will govern the resolution of any inquiries
or disagreements pertaining to your compliance with the terms and conditions of this Referral Agreement, your eligibility for the Referral Programme, or your earning of Rewards.

5.2 We reserve the right to suspend or terminate the account under the terms of the User Agreement, or to void the Rewards of either party, if a Participant or Referee attempts to
use the Referral Programme in violation of this agreement, the User Agreement, or any law, statute, or governmental regulation.

All information collected in the Referral Programme shall be subject to our Terms and Conditions and Privacy Policy.

IME London is a trading name of Subhida UK Ltd, Pentax House, South Hill Avenue, South Harrow, London, HA2 0DU,

Subhida UK Ltd is authorized and regulated by the Financial Conduct Authority (FCA) under the Payment Service Regulations 2017, FCA Registration No: 576127, HMRC Registration No: XYML000000119350