Splash Referral Program

The following are the official rules to the Splash Financial Refer and Earn Program (the “Program”), established by Splash Financial, Inc. (“Splash”). By participating in the Program, you agree that you will be bound by these official rules and acknowledge that you satisfy all eligibility requirements as described herein.

Official Terms and Conditions

1. Eligibility. The Program is available to all individuals residing in any of the 50 United States or District of Columbia. In order to participate in the Program, you must sign up by providing your email address and agreeing to these official rules and the applicable terms and conditions and privacy policy on the website. Once you have signed up, you will be prompted to share your referral link through email or your personal social media accounts directly with your friends, family, and direct personal acquaintances. In order for you to be eligible for a reward, the individual who you referred must apply for a loan via the referral link you share with them. Advertised rewards are earned when the person you refer applies for student loan refinancing via the referral link you provide, and then is approved and/or accepts and receives such loan. As is required in order to qualify for your reward, (i) the person(s) must be a first-time borrower via Splash Financial’s platform, (ii) he/she must have applied for the loan via the referral link that you share with him/her, (iii) the refinanced amount must be over $30,000 in student loans; and (iv) the loan must be approved and accepted in order for him/her to receive the reward. The referral bonus will be paid out once the funds are distributed for an approved loan and will be sent within 120 days of the loan disbursement to the address you provide and the address your referral provides to Splash Financial. If you are not a Splash Financial customer and do not have an address on file with Splash, you can email your information to contact@splashfinancial.com.

2. Limitations. You will only receive a reward following the first time that an individual who you refer is approved for and/or receives a student loan refinancing via the referral link shared by you. Therefore, you will not receive another reward in the event that the individual referred by you applies for and/or obtains an additional loan product via Splash Financial's platform. Additionally, you will not be eligible for a reward if the person who you refer has previously received a loan via Splash Financial's platform. Please note that you cannot refer yourself and you will not receive a reward in the event that you attempt to do so. The Program is limited to student loan refinancing offered via Splash Financial’s platform, and you will not receive any reward for referring any other loan product offered on the platform. If you participate in the Program, you must comply with all applicable laws and regulations, including, but not limited to, email and anti-spam laws. Providing the link for commercial purposes or otherwise via bulk email distribution, social media, or with the assistance of a hired third party is strictly prohibited, and sharing of the link shall be limited to your friends, family, and other direct, personal acquaintances who you have reason to believe would have an interest in student loan refinancing. Splash reserves the right in its sole determination to prohibit any email or social media distribution of the referral link.

3. Miscellaneous. You acknowledge that your participation in the Program is solely as an independent contractor, and that it does not constitute any type of employment relationship, nor shall it be considered or construed to be a partnership or joint venture. Any compensation/benefits received in connection with your participation in the Program is limited to the advertised rewards that you earn by following the rules set forth herein. Additionally, the activities you conduct as part of your participation in the Program shall be limited to providing the referral link to your friends, family, and direct personal acquaintances, and you agree to not solicit and/or accept applications on behalf of Splash or any of its participating lenders, or assist individuals with completing loan applications. If the cumulative welcome and referral bonus rewards paid to an individual in one calendar year exceed $600, the bonus may be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. The Form 1099-MISC will be sent to the address on file with Splash Financial. You are responsible for any applicable federal, state, or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. If a reward goes unclaimed for 180 days due to missing or incorrect shipping information, such reward will be considered forfeited and cancelled. By participating in the Program, you agree to release, and hold Splash Financial, its employees, officers, directors, shareholders, representatives, advertising agencies, and Program administrator harmless from any and all liability, injuries, losses, and damages that result, directly or indirectly, in connection with the Program, including, but not limited to, attorneys’ fees and court costs. Splash Financial, in its sole discretion, has the right to disqualify any participant who Splash Financial determines has not followed these rules or is otherwise not eligible. The Program replaces any previous referral program offered by Splash Financial and is effective as the date set forth below.

4. Changes to the Program. Splash Financial reserves the right to change or eliminate the Program at any time with or without notice.

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