Refer a friend promotion - Terms and Conditions.

    The Promotion
    1. These terms and conditions (Referral Terms) apply to the refer a friend promotion (Promotion) conducted by Jason Bruce trading as Mike Pero Mortgages (Promoter).
    2. Taking part in this Promotion constitutes acceptance of the Referral Terms.
    3. This Promotion is a limited offer open only to referrers who are in New Zealand and who are existing customers [of the Promoter] (Referrer). The Promotion is not available to real estate agents or mortgage brokers or any employee of Mike Pero Mortgages Limited or any related body corporate (Mike Pero Group).
    4. Eligibility
    5. Subject to these terms and conditions, where a Referrer successfully refers a friend (Referee) to the Promoter, the Referrer will receive a $50 Prezzy Card (Incentive) for each personal loan settled and each Life insurance policy taken out in accordance with clause 6 below.
    6. In order for the Referrer to qualify for the Incentive, the Referee must:
      1. be at least 18 years old;
      2. not be a current or past customer of the [Mike Pero Group];
      3. successfully apply for either a [Mike Pero personal loan] or [Mike Pero Life insurance policy] through the Promoter before the Expiry Date; and
      4. have their [Mike Pero personal loan] settled by [insert date] or their [Mike Pero Life insurance policy] premium paid in full by [insert date] and fully satisfy any cooling off period for that Life policy.
    7. If two different Referrers refer the same friend, only the first Referrer who sent the referral to the Promoter will be eligible for the Incentive.
    8. The Referrer acknowledges that lending and policy criteria and terms and conditions apply and not all friends referred to the Promoter will be successful at taking out a personal loan or a Life insurance policy.
    9. The Incentive
    10. The Incentive is subject to the Prezzy Card terms and conditions https://www.prezzycard.co.nz/terms-conditions/.
    11. The Incentive is not transferable, exchangeable or redeemable for cash. The Incentive must be taken as offered and may not be varied.
    12. If the Incentive is unavailable, the Promoter, in its discretion, reserves the right to substitute the Incentive with a reward of a similar value and/or specification.
    13. Miscellaneous Provisions
    14. The Referrer is responsible for understanding and complying with their taxation obligations in relation to the Incentive.
    15. By participating in this Promotion, the Referrer agrees that they will undertake such steps as are reasonably required to take delivery of the Incentive and acknowledge that the Incentive will not be available until these requirements have been met to the reasonable satisfaction of [the Promoter].
    16. The Referee must have consented to having their personal information provided to the Promoter before the Referrer has made the referral.
    17. The personal information collected for the purposes of this Promotion will be held subject to the Mike Pero Group Privacy Policy https://www.mikepero.co.nz/about-us/privacy-policy.
    18. Except for any liability that cannot by law be excluded, the Promoter and the Mike Pero Group (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion including: (a) any technical difficulties or equipment malfunction (whether or not under Promoter’s control); (b) any theft, unauthorised access or third party interference; (c) any referral that is late, lost, altered, damaged or misdirected (whether or not after their receipt by Mike Pero Group) due to any reason beyond the reasonable control of Mike Pero Group; (d) any tax liability incurred by receiving the Incentive; or (e) use/taking of the Incentive.
    19. The Promoter reserves the right, at any time, to verify the validity of all referrals (including their eligibility) and to disqualify any referred friend whose referral is not in accordance with these Referral Terms.
    20. This Promotion and any obligations of the Promoter pursuant to it will be revoked or withdrawn from participants who abuse the spirit or intention of it. The Promoter reserves the right to cancel or withdraw the Promotion at any time in case of any suspected abuse of the Promotion.
    21. The Promoter is the sole arbiter of the Promotion, the Referral Terms and any other issues arising under this Promotion. The Promoter reserves the right to alter, amend or terminate the Promotion or any aspect of it at any time and without prior notice.
    22. The laws of New Zealand apply to this Promotion and entrants submit to the exclusive jurisdiction of the courts of New Zealand.

Mike Pero (New Zealand) Ltd Copyright © 2019 All rights reserved | Lending and policy criteria and terms and conditions apply. Content on this website is general in nature and is not a recommendation, opinion or guidance to any individuals in relation to acquiring or disposing of a financial product. Readers should not rely on this content and should always seek specific financial advice appropriate to their own individual circumstances.