Terms and Conditions – Numbrs Referral Programme and Contest

As part of the referral programme (the “Referral Programme”), users are invited to recommend the Numbrs App to their family and friends. With each successful referral, both the already registered user and the newly acquired user will each receive a reward of GBP 5 (or alternatively EUR 5, depending on the location of the user) (the “Reward”).

If an already registered user successfully refers a new user, the already registered user also automatically participates in the Numbrs contest (the “Contest”) (see §2 below). The Contest and the Referral Programme are hereinafter referred to as the “Programmes”.

The Programmes are being offered by Numbrs Personal Finance AG, Edenstrasse 20, 8045 Zurich, Switzerland (hereinafter referred to as “Numbrs”, “we” or “our”). If you have any questions, you can contact our support team at support@numbrs.com.

The following Terms and Conditions (the “Terms”) apply to users of the Numbrs App who signed up for the Referral Programme and/or who accepted an invitation to participate in the Referral Programme (hereinafter collectively referred to as “users”, “participants” or “you”). 

Participation in the Programmes and the use of the Numbrs App are voluntary and free of charge. Only natural persons who are at least sixteen years of age and are residing in the United Kingdom at the time of registration are eligible to participate. Automated services, bots and other professional/commercial participants may not partake, unless otherwise agreed upon with Numbrs. If a user intends to participate in the Programmes for professional/commercial purposes, without our written consent, we reserve the right to exclude the user from participation and may terminate the relevant Numbrs account without notice. Furthermore, a payout may be withheld until Numbrs has been able to examine the case. If such an examination reveals that the user is participating in the Programmes for professional/commercial reasons, Numbrs reserves the right to withhold the payout of the Reward. All persons involved in the conception of the Programmes and all Numbrs employees, their family members and life partners are not eligible to participate in the Programmes.  

By participating in the Programmes you accept the following Terms. With regard to data protection, the current version of the Privacy Policy published on our website applies. The main services rendered by Numbrs are described in the General Terms and Conditions [link Terms of Numbrs App here], the scope of which is not affected by these Terms.

1. The Referral Programme

To participate in the Referral Programme, you must create a Numbrs user account and have connected at least one supported bank account. Thereafter, you may earn the Reward as follows:

  1. In the top right corner of the Numbrs App, tap on the gift box icon and then tap on “Create Invitation Link”.
  2. Seeing as the Rewards are paid out per bank transfer via the payment service provider “Revolut”, you will be asked to provide the data required for a payout in the following step. 
  3. The Numbrs App then generates a referral link (the “Link”). By tapping on “Share Link”, you can send your Link to as many contacts as you like via email, SMS or Whatsapp and you can even share the link via social media.
  4. The recipient of the link (the “Recipient”) can then register as a Numbrs user and needs to connect at least one supported bank account to the Numbrs App. 
  5. For each successful referral you and the Recipient receive the Reward. A successful referral exists if:
    1. the Recipient uses the Link in the duration of the Referral Programme,
    2. immediately (meaning without the intermediate calling up of other internet sites) after clicking on the link, the Recipient
      1. downloads the Numbrs App, 
      2. creates a Numbrs user account, and
      3. connects at least one supported bank account to the Numbrs App, 
    3. Numbrs can trace the referral back to you,
    4. the Recipient is not identical to the already existing user,
    5. the Recipient does not already have a Numbrs user account and is not connecting a bank account already connected with Numbrs.

Payment of the Reward for successful referrals is limited to GBP 2,000 per Participant. Any additional Rewards will not be paid out to any single user, except as expressly agreed upon with Numbrs in writing. 

The use of the same Numbrs account or Link by multiple Participants is strictly prohibited. It is also prohibited for a single Participant to use multiple Numbrs accounts. Violation of this clause will result in permanent exclusion of the Participant.

2. The Numbrs Contest

As part of the Contest, participants of the Referral Programme have the opportunity to win up to GBP 1,000 (the “Prize”) each week. The Contest is usually held on a weekly basis. We will inform you in the Numbrs App when the Contest is taking place.

In order to participate in the Contest, you must first sign up for the Referral Programme. If you successfully refer a friend in the respective game week, you will automatically participate in the Contest. Each user will receive a maximum of one chance (one ‘ticket’) per week to participate in the Contest.

Aside from the steps mentioned above, there is no way to increase your chances of winning. We will notify you via email, if you win a Prize in the Contest.  

3. The Payout

The payout of the Reward will be executed exclusively via bank transfer in pounds using the payment service provider “Revolut”. A cash payout is not possible. Payouts are usually executed within a few weeks, however Numbrs is entitled to adjust the regularity of payments at any time. Due to the legal requirements under the Money Laundering Act, our bank may request additional information or documents about you (e.g. date of birth, address, proof of residence). If you fail to provide the required information or documentation in a timely manner, Numbrs reserves the right to not execute the payment and your right to receive the payout will lapse. Furthermore, if you delete your Numbrs user account with outstanding payouts, you will lose your right to receive the payout. 

Any additional fees associated with the payout will be borne by the participant, although Numbrs will not charge any such fees. Participants are responsible for paying any and all taxes resulting from the receipt of the payout.

As part of the Referral Programme, a Recipient can only be referred once and only newly registered Numbrs user accounts are eligible to receive the Reward. The Reward will not be paid out if the Recipient connects a bank account that is already connected to Numbrs.

Before Numbrs can transfer the Contest Prize, the winner may be required to provide a copy of their identity card and residence permit to Numbrs. Numbrs will use the documentation provided to verify that the winner meets the requirements set forth in these Terms. If such verification reveals that the user does not meet the requirements set forth in these Terms, Numbrs reserves the right to refuse payment of the Prize. 

Payouts can be terminated due to the participant’s conduct or due to a breach of these Terms. In case of abuse or violation of these Terms, Numbrs is entitled to retroactively terminate and/or reclaim payouts without notification.

4. Status of the Payout

Each participant can see the status of the payout in their Numbrs App. Should you have any objections regarding the account balances reflected in the Numbrs App, you must raise these no later than six weeks after the successful referral. Dispatch of the objection within the six week period is sufficient and may be addressed to support@numbrs.com or via the Support Chat. Participants acknowledge that in rare cases, referrals may not be recorded correctly for technical reasons. In such cases, the participant has no claim against Numbrs; however, may address this issue by sending us a message via the Support Chat in the Numbrs App.

5. Obligations of the Participant

Participants may not apply any illegal or immoral methods in connection with the Programmes, particularly by misleading, deceiving, threatening or coercing other (potential) participants. The participants may also not conceal the fact that they receive a Reward for successful referrals. Lastly, it is not permitted to send mass emails or messages to people you do not know.  

Participants are further prohibited from using links generated by Numbrs in an immoral way. This includes in particular copying and advertising the link on radical, pornographic, violence glorifying or discriminating websites.

Participants must provide only correct and up-to-date data and must inform Numbrs immediately of any changes to this data. Each participant may only maintain one Numbrs user account. If a participant registers several user accounts, Numbrs reserves the right to terminate the unlawfully created user accounts without notice.

Numbrs reserves the right to offer the Programmes only for certain operating systems or only for certain versions of operating systems. The user is obliged to keep the operating system on their device up-to-date.

Participants have no right to represent or legally bind Numbrs, unless otherwise agreed upon with Numbrs in writing. Each participant is responsible for complying with the relevant laws, such as the law against unfair competition.

The winners of the Contest agree to the publication of their first name and place of residence in the advertising media used by Numbrs. In addition, the winner agrees to the publication of photo(s) and/or video recording(s) of themselves (the “Marketing Materials”). This includes posting the winner on the Numbrs website and blog (the "Marketing Channels"). Participation in the Numbrs Contest and the publication of Marketing Materials via Marketing Channels is always at the participant’s own risk. Numbrs declines any liability for direct or indirect consequences of the publication.

6. Rights and Obligations of Numbrs

Numbrs reserves the right to refuse a registration request without justification. Numbrs reserves the right to suspend or terminate the Programmes at any time without notice. Numbrs will make use of this option in particular if, for technical or legal reasons, proper execution of the Programmes cannot be guaranteed. The participant may not assert any claims against Numbrs as a result. Numbrs will inform you via email, the Support Chat or in the Numbrs App about a termination of the Programmes.

Numbrs reserves the right to block Numbrs user accounts or reclaim payouts if we discover any activity that we believe to be abusive, fraudulent or in violation of these Terms. Numbrs also reserves the right to exclude certain bank accounts from participating in the Referral Programme. Furthermore, we reserve the right to review and investigate all referrals at our sole discretion and to suspend user accounts if we believe this to be fair and reasonable.

7. Data Protection

All personal data provided by the participants will only be collected, processed and used within the framework of the applicable data protection laws and only for purposes that arise from the law or for which the participants have expressly given their consent. 

Further information on data protection can be found in our Privacy Policy.

8. Our Liability 

We are responsible to you for the loss or damage you suffer that is a foreseeable result of us breaching these Terms, except where it is excluded by this paragraph or otherwise in these Terms. Loss or damage is foreseeable if it is either obvious that it will happen or known by both you and us at the time you entered into these Terms that it might happen.

We are not legally allowed to exclude or limit our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or where the Numbrs App is not of satisfactory quality or not as described. Subject to this, we will not be liable to you for:

Exclusions of liability in other provisions in these Terms are reserved.

9. Changing these Terms

Numbrs may, at any time and for any reason, suspend or modify these Terms. We will tell you about these changes by:

10. Miscellaneous

Any assignment or transfer of individual or all rights and obligations under this contract by the user to third parties requires the prior written consent of Numbrs to be effective. This applies in particular to claims for payment.

11. Final Provisions

The law of England and Wales applies to these Terms and you can bring legal action against us in the courts of England and Wales.

If a court decides that we cannot rely on a part of these Terms, the rest of the Terms will continue to apply, as each of the provisions of these Terms operate separately. 

By accepting these Terms, you agree to receive documents and statements from Numbrs in connection with the use of the Numbrs App on an electronic data carrier. 

The Terms and conditions will be communicated in English and Numbrs undertakes to communicate in English for the duration of this contract.

You may also submit a dispute for online resolution by using the European Commission Online Dispute Resolution Platform.

These Terms were last updated on May 15th, 2020.


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