Referral Program Terms and Conditions

1. Eligibility:
   Referrers must be at least 18 years old and legally permitted to participate in the program.
2. Referral Process:
   Referrers agree to provide accurate and complete information of the referred person. Referrals must be made via the official referral form.
3. Referral Qualification:
   A referral is qualified only when the referred person completes a loan application with the broker and the loan is settled.
4. Referral Rewards:
   Referrers who make qualified referrals become eligible for the prize draw to win a $250 gift card. Only one entry per referral applies. The prize draw will be conducted on [specific date], and the winner will be notified via the provided contact details.
5. Conduct:
   Referrers agree not to engage in misleading or deceptive conduct regarding the referral program or the services provided by the mortgage broker.
6. Compliance:
   Referrers must comply with all applicable laws and regulations, including those governing privacy and consumer credit.
7. Privacy:
   Referrers consent to the collection, use, and disclosure of their personal information and the referred person’s information in accordance with the broker’s Privacy Policy for the purposes of administering the referral program and providing mortgage services.
8. Termination:
   The broker reserves the right to modify, suspend, or terminate the referral program at any time without notice.
9. Limitation of Liability:
   The broker is not responsible for any loss, damages, or costs incurred by referrers or referred persons in connection with the referral program.
10. General:
    Participation in the referral program implies acceptance of these terms and conditions.