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Terms and Conditions for Referral Program

Eligibility to participate

  1. Existing CardUp users (“Referrers”) who introduce new users (“Referees”) to CardUp via https://cardup.co in accordance with the following Terms and Conditions, are eligible to participate in the CardUp Referral Program ("Promotion").

  2. Referrers and Referees shall not: 
    • maintain more than one CardUp account

    • make a payment that is not in exchange for a product or service in a genuine commercial transaction with a third party vendor or service provider in an arms’-length transaction – for example, you must not use the CardUp service to make payments to your friends and family

    • register your credit card on more than one account – you must not use, or allow someone else to use, your payment card across multiple CardUp accounts

    • provide incorrect, incomplete or inaccurate information when you open or use a CardUp account

    • share your username and/or password with others or giving access to your CardUp account to anyone else (for example, relatives, friends, acquaintances)

    • use someone else’s CardUp account to make payments for yourself

    • make a payment for someone else – you may use the CardUp service only to make payments that are due by you or, where CardUp permits it, your spouse and/or children under the age of 18 (for Personal Users) or by the relevant business (for Business Users)

    • pay with a payment card that does not belong to you – the name you provide to us for your CardUp account must match the name on a payment card you use to make a payment using the CardUp service

  3. The offer of $100 or $20 off the CardUp fee may be referred to as “CardUp credit” in these terms and other communication.

  4. A successful referral (“Successful Referral”) is one where:

    • the Referee has signed up and created a Personal account (“Personal User”) or Business account (“Business User”) on CardUp.  

    • the email address used by the Referee when creating a CardUp account is a valid email address belonging to a unique individual 

    • if the Referee is a Business User, the Business User is an authorised person signing up for the Business account on behalf of an active company registered with ACRA. A valid UEN/Business Registration number must be provided when setting up a Business account. CardUp reserves the right to reject a payment set up by a Business User using the Invite Promo Code if the Business account is not held on behalf of an active local company.   

    • the Referee’s first payment is completed using the Referrer’s Invite Promo Code. A payment is deemed as completed when the payment on the Referee’s dashboard shows with status as “Complete”.

    • the Referee’s first payment is at least $1,000, before the 2.6% CardUp fee is added 

  5. CardUp reserves the right to impose a limit of one CardUp account per mobile number.

  6. The Invite Promo Code can only be used by new Referees who do not have an existing CardUp account, on the Referee’s first payment made with a credit card that has never been used on CardUp before.

  7. The Invite Promo Code is not applicable for use on any additional fees incurred for Next Day payments.

  8. Use of the Invite Promo Code is limited to the first 20 Referees per Referrer who successfully apply the Invite Promo Code, regardless if the Referee is a Personal User or Business User. Once this number of redemptions is exceeded, any new Referees who try to use the promo code will be informed it is no longer valid.

  9. A Referrer will receive a maximum of 20 Referral Success Promo Codes.

  10. Both the Invite Promo Code and the Referral Success Promo Codes are valid on  payments of at least $1,000, before the 2.6% CardUp fee is added.
          
          Terms of use for Referees

  11. Only one Invite Promo Code can be used per payment and an Invite Promo Code can only be used once per Referee. This allows Referees to redeem up to a maximum of $100 off the CardUp fee on their first payment.

  12. When a Referee sets up the first payment, the prevailing 2.6% fee will apply and if the Invite Promo Code is used,

    • $20 CardUp credit will be deducted from the CardUp fee displayed if the Referee making the payment is a Personal User, or

    • $100 CardUp credit will be deducted from the CardUp fee displayed if the Referee making the payment is a Business User.

  13. To get $100 off the CardUp fee on the first payment, the Invite Promo Code can only be used by a Business User between 12 June 2018 and 31 March 2019, both dates inclusive.

    • If the payment amount is between $1,000 and $3,846.30, the CardUp fee displayed will be $0. Any unused portion of the $100 CardUp credit will not be refunded or carried over to the next payment.

    • If the payment amount is more than $3,846.30, the prevailing 2.6% fee will apply and $100 CardUp credit will be deducted from the CardUp fee that is displayed at the time of making a payment.

      Terms of use for Referrers

  14. Referrers will receive CardUp credit redeemable via a Referral Success Promo Code which will be sent by email to the Referrer upon each Successful Referral.

  15. Use of Referral Success Promo Codes expires 90 days from the date the email with the Promo Code is sent.

  16. When a Referrer sets up a payment, the prevailing 2.6% fee will apply and if the Referral Success Promo Code is used,

    • $20 CardUp credit will be deducted from the CardUp fee displayed if the Referee making the payment is a Personal User, or

    • $100 CardUp credit will be deducted from the CardUp fee displayed if the Referee making the payment is a Business User.

  17. Referrers may track the status of their Successful Referrals and use of the Referral Success Promo Code in the “View my referrals” section of their Account after logging into CardUp.

  18. Only one Referral Success Promo Code can be used per payment even though a Referrer may have qualified for multiple Referral Success Promo Codes by having many Successful Referrals. This allows Referrers to redeem up to a maximum of $100 off the CardUp fee per payment if the Successful Referral was a Business User.

  19. If the Referral Success Promo Code is from a Successful Referral of a Business User, the $100 CardUp credit will be applied in the following manner:

    • If the payment amount is between $1,000 and $3,846.30, the CardUp fee displayed will be $0. Any unused portion of the $100 CardUp credit will not be refunded or carried over to the next payment.

    • If the payment amount is more than $3,846.30, the prevailing 2.6% fee will apply and $100 CardUp credit will be deducted from the CardUp fee that is displayed at the time of making a payment.

      General Terms

  20. CardUp shall be entitled to withdraw or substitute the CardUp credit with items or rewards of similar value at its sole discretion without prior notice and without giving any reason for the same.

  21. CardUp reserves the right to terminate the Promotion, or to vary, delete or add to any of these Terms and Conditions from time to time at its absolute discretion (including without limitation the terms relating to the eligibility of any Participant and the dates of the Promotion).

  22. CardUp’s decision on all matters relating to this Promotion will be final, conclusive and binding on all Participants, and no correspondence shall be entertained. In the event of any inconsistency between these Terms and Conditions and any brochure, marketing or promotional material relating to the Promotion, these Terms and Conditions will prevail.

  23. CardUp, its employees and campaign organisers shall not be liable for any loss, damage, or any injury that may be sustained by the Participant or by any person in connection with the Promotion. Without limiting the foregoing, CardUp is not responsible for the loss of any Promotional Gift for which the Referrer is eligible.

  24. The Participant acknowledges and agrees that the collection, use, storage and disclosure of his/her personal data shall be governed by the terms of CardUp’s Privacy Policy. The Participant shall be responsible for obtaining, and warrants that it has obtained, the consent of the Referee(s) for the provision of the Referee(s) personal data to CardUp, and to the collection, use and storage of such personal data in accordance with CardUp’s Privacy Policy. CardUp may inform the Referee(s) that the Referee’s/Referees’ personal data is collected from the Participant.

  25. The Participant acknowledges and agrees that, in additional to the above-mentioned terms, they must abide by the requirements of CardUp’s general Terms of Service.

  26. "CardUp" refers to CardUp Pte Limited, a company registered in Singapore.

  27. These Terms and Conditions shall be governed by Singapore law and each Participant irrevocably submits to the non-exclusive jurisdiction of the courts of Singapore in respect thereof. A person who is not a party to any agreement governed by these Terms and Conditions shall have no right under the Contracts (Rights of Third Parties) Act (Cap.53B) to enforce any of these Terms and Conditions.