wamo is offering its existing customers on any billing plan the opportunity to earn a referral reward in the form of cash credited to the main balance of their wamo account (the “Reward”), by referring someone (the “Invitee”) to sign up for a wamo business or a sole trader account (the “Promotion”).

All the Invitee will need to do is complete the steps set out in these terms and conditions (the “Terms”). Anyone who has received an invitation to the Promotion directly from us on a tile in the home screen of the wamo app (an “In-app Referral Invite”) is eligible to refer someone.

The Promotion will be available for a specific time frame, determined by wamo. We call this the “Promotion Period”. Any Reward will only be paid if all the criteria in these Terms are met by both the selected wamo customer and their Invitee during the Promotion Period.

The terms and conditions that apply to the Promotion are made up of these Terms and the information included in the In-App Referral Invite (the “Promotion Terms”).

You must comply with these Promotion Terms and the terms that apply to your wamo account at all times when participating in the Promotion.

Once you receive an In-app Referral Invite, the following steps must be completed:

Invite someone to join wamo, via the link provided by wamo within wamo app or web platform or an email sent by wamo. You will tap the link.

Once you do this, a draft containing your unique referral link will appear. You can send it to your Invitees using different platforms.

Each Invitee must click on your unique link for you to be eligible for the Promotion.

We’ll confirm the maximum number of people you can refer to as part of the Promotion in the In-app Referral Invite. If you refer more people than this, you will not be paid any Rewards for these additional Invitees even if they complete the relevant steps successfully.

The amount of the Reward is unique to you and it will be paid in the base currency of your wamo account. All details regarding the amount of the Reward for each referral will be set out in the In-app Referral Invite.

Open a wamo account successfully, for the first time, using your unique referral link. The account the invitee opens must also be a wamo account specifically.

Top up your account and pay your first month subscription fee. There is no minimum required amount.

Make a certain number of card purchases of the required minimum amount within a specified period of time. The number of card purchases and the required minimum amount for each, or all, is explained in your In-app Referral Invite. These card purchases can be made using a virtual or physical card, and they must be genuine purchases (for example, card transactions to payment, gambling, gift card or currency exchange service providers, and money transfers are not valid). The required minimum amount is determined by wamo.

Legal Provisions

The Promotion is a one-sided campaign, where only the Wamo customer who refers Wamo to a friend can be awarded any Reward/s.

To be eligible for a Reward, you must have an active account (meaning that your account is not restricted, suspended, or closed) throughout the Promotion and at the time we are due to award your account with any Reward/s.

We reserve the right to reverse any Reward/s credited to your account if we become aware that you have breached these Terms or the Account Terms. We will consider the reversal of any Reward to have been done with your consent and the payment to have been authorized by you.

If we believe that you have engaged in any fraud or material abuse of the Promotion we may also in our sole discretion take any actions we see fit in the circumstances. For example, it would be a material abuse of the Promotion to orchestrate a campaign to profiteer from the Promotion in a way that does not result in genuine and unique new sign-ups to wamo, and so in addition to reversing any Reward/s we may also close your wamo account.

We may change, suspend or end the Promotion earlier than the end of the Promotion Period if, in our reasonable opinion, the Promotion is being abused or may negatively affect our goodwill or reputation, or due to unforeseen circumstances which may make it impossible for us to continue running the Promotion. We may suspend or end the Promotion on an individual or promotion-wide basis.

If we need to change, suspend or end the Promotion before the end of the Promotion Period, we will try to give you notice through the app and/or email. Wamo will not be liable for any loss, whether directly or indirectly suffered where we are unable to continue running the Promotion as planned. Please contact Support if you believe you qualify for a particular benefit in relation to the Promotion that has not been awarded to you as a result of early suspension or termination.

By participating in this Promotion, you confirm that you understand that any Reward may be subject to local income tax in the country of your residence and/or in the local territory where you are tax resident. It is entirely your responsibility to pay any tax which may arise from receiving any Reward. Wamo will bear no liability for any tax obligations which may arise from receiving any Reward as part of this Promotion.

The terms contained in this specific document are published in English. If they are translated into another language, unless otherwise specified in the table below, the translation is for reference only and the English language version applies and can be used in legal proceedings.

Any personal data processed or controlled during the Promotion will be dealt with in line with the Privacy Notice that applies to your account

The law of Malta shall apply to the exclusion of the UN Convention on Contracts for the International Sale of Goods. If you have concluded this contract and at the time of the conclusion of the contract have your habitual residence in a country other than in Malta, the application of mandatory legal provisions of the country of your habitual residence shall remain unaffected by the choice of law made.

If any provision of this contract is invalid or unenforceable, the remaining provisions shall remain unaffected. The parties agree already now to replace the invalid or unenforceable provision by a valid and enforceable provision which comes as close as possible to the economic sense of the replaced provision.