Referral Program - Save in Gold

Customer-Facing Agreement

This Referral Program Agreement ("Agreement") is entered into between Save in Gold LLC ("Save in Gold" or the "Company") and the participating account holder ("Participant" or "Agent"). By enrolling in and participating in the Save in Gold Referral Program ("Program"), the Participant acknowledges and agrees to the terms and conditions set out below.

1 Purpose

The purpose of this Agreement is to define the terms under which Participants may earn cashback rewards by referring new customers to the Save in Gold platform.

2 Eligibility

The Program is open to all registered Save in Gold account holders with an active balance of at least:

5 grams of gold, or
Equivalent cash/money holdings.

Accounts below the minimum requirement are not eligible to earn cashback rewards. Save in Gold reserves the right to verify account balances at any time.

3 Referral Process

Share your unique referral ID with your friends.
When your friends register and make a qualifying investment through the Save in Gold app, your referral becomes valid.
Cashback is calculated on your referrals' investments daily and distributed to your account monthly.
Only valid referrals that result in successful qualifying investments are eligible for cashback rewards.

4 Cashback Rewards

Cashback accrues daily and is distributed monthly.
Cashback percentages are calculated annually, in accordance with the Referral Rewards Structure.

5 Referral Rewards Structure

For Participants investing between 5 grams and 1 Ounce:

1–3 referrals

1.5% cashback

4–5 referrals

2% cashback

For Participants investing above 1 Ounce:

1–2 referrals

2% cashback

3–4 referrals

2.5% cashback

5+ referrals

3% cashback

6 Conditions & Restrictions

Cashback rewards may be reinvested, withdrawn, or used through the Participant's Save in Gold account.
Withdrawals are processed via bank transfer only and are not available in physical cash.
Participants must maintain the minimum balance requirement throughout the Program.
Fraudulent activity, duplicate accounts, or self-referrals will result in immediate disqualification.

7 Program Cancellation & Invalidity

The Program or individual rewards will be cancelled or deemed invalid if:

The Participant's account balance falls below the minimum requirement.
Fraud, abuse, or manipulation (including self-referrals and false identities) is detected.
A referred individual fails to complete a qualifying investment.
The Participant closes their Save in Gold account before distribution of rewards.
Save in Gold suspends, amends, or terminates the Program under Clause 8.

8 Program Modifications

Save in Gold reserves the right to amend, suspend, or terminate the Program at any time without prior notice. Accrued but unpaid rewards shall be honoured if eligibility is maintained.

9 Liability

Save in Gold shall not be liable for losses, delays, or damages arising from participation in the Program. Participation is voluntary and at the sole risk of the Participant.

10 Governing Law

This Agreement is governed by the laws of the United Arab Emirates. Disputes shall be subject to the exclusive jurisdiction of the courts of Dubai, UAE.

11 Notice

Any notices required under this Agreement shall be delivered in writing by email or registered mail to the addresses registered with Save in Gold. Notices shall be deemed received within:

24 hours if sent by email, or
3 business days if sent by registered mail.

12 Force Majeure

Neither Party shall be held liable for any delay or failure to perform its obligations under this Agreement where such delay or failure is caused by events beyond its reasonable control, including but not limited to natural disasters, acts of government, war, strikes, pandemics, or disruptions in telecommunication or banking services.

13 Auto-Renewal

This Agreement shall automatically renew on an annual basis unless the Participant withdraws from the Program by written notice or closes their Save in Gold account.

14 Entire Agreement

This Agreement constitutes the entire agreement between Save in Gold and the Participant with respect to the Referral Program and supersedes any prior communications, understandings, or arrangements relating to the Program.

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