NorthOne Share And Earn Terms and Conditions

These NorthOne Share and Earn Terms and Conditions apply to the NorthOne (the “Banking App”, “we”, “our” or “us”) Share And Earn referral program (the “Offer”) that is available to customers (“Customers”, “you” or “your”) of the Banking App.


  1. The Offer will be available indefinitely until terminated by the BankingApp as permitted under these Terms and Conditions.
  2. “Friend or family member” refers to known friends or family members: (a) with whom you have a personal friendship, working relationship, or family relationship; (b) with whom you engage in direct, voluntary, two-way communications; (c) who have confirmed that they want to receive the Offer; and (d) who own, operate or are otherwise represent a business (a “Business”) that is interested in becoming a customer of NorthOne.
  3. Each time you make a referral using the Offer, you represent and warrant to us that you have a close personal, working or family relationship with the individual that you refer to.


  1. The Offer is available to all NorthOne Customers and New Customers (as defined below).
  2. “Referrer”: An existing NorthOne Customer who refers a friend or family member using the referral Unique Link provided by NorthOne, which is a unique Share And Earn URL assigned to each NorthOne Customer (the “NorthOne Referral Unique Link”).
  3. “Referral”: A New Customer who has been referred to NorthOne by the Referrer using a Referrer’s NorthOne Referral Unique Link.
  4. A “New Customer” is a Business that has never had a NorthOne account.

Referral Bonus Conditions:

  1. A $75 referral bonus (the “Referral Bonus”) will be paid to each the Referrer and the Referral provided all conditions set out in these Terms and Conditions are met.
  2. For both the Referrer and Referral to earn the Referral Bonus, the Referral must complete the following actions (“All Actions”):
  3. enroll using a valid NorthOne Referral Unique Link provided by the Referrer,
  4. successfully open their first NorthOne account,
  5. make an initial deposit of at least $50
  6. Accounts are deemed successfully opened when the Referral has accepted and satisfied the terms and conditions applicable to the account and the account is without restrictions of any sort.
  7. Both Referral Bonuses will be paid into the respective NorthOne accounts of Referral and Referrer within 30 days of the Referral successfully completed All Actions. NorthOne will not provide the Referrer with any confidential banking details of the Referral.
  8. If a Referrer doesn’t have access to its NorthOne account, Referrer will need to re-open one in order to receive the Referral Bonus.
  9. If Referrer has multiple NorthOne accounts or sub-accounts, the deposit of the Referral Bonus will be made to Referrer’s checking account which is associated with the NorthOne Referral Unique Link.
  10. The Offer does not have a limit to the number of referrals that can be made, but the Banking App may impose a limit on any particular NorthOne Customer at any time and for any reason in its sole discretion. The Banking App reserves the right to not disclose that reason at its discretion.

Additional Limitations:

  1. Once the Referral Unique Link has been used by the Referral, NorthOne cannot reverse its use or application. Each Referral may only use one NorthOne Referral Unique Link to enroll in a NorthOne account, regardless of whether the Referral received or had access to multiple NorthOne Referral Unique Links from different Referrers.
  2. Referrals can’t combine the Offer with any other NorthOne enrollment offers except as otherwise permitted and set out in a particular promotional offer.
  3. The Offer or NorthOne Referral Unique Link may not be transferred, sold, resold, or mass distributed.
  4. The Banking App reserves the right at its absolute discretion to vary, delete or add to any of these Terms and Conditions from time to time upon written notice (which includes email notice or posting to our website). In the event of conflict, these Terms and Conditions will prevail over any of the contents of any promotional materials or statements, or any other communication regarding this Offer, whether written or oral from the Banking App, except where otherwise stated.
  5. The Banking App reserves the right at its sole discretion to, upon written notice (which includes email notice or posting to our website), terminate or suspend the Offer, in whole or in part, or modify it in any way. Without limiting the foregoing, the Banking App may terminate or suspend the Offer if it finds or believes that the NorthOne Customer using the Offer is manipulating or otherwise abusing the process, fairness, or integrity of the Offer or otherwise has become ineligible. Referral Bonuses earned through fraudulent activities or activities in violation of these Terms and Conditions will be null and void and repayment may be requested by NorthOne.
  6. By accepting this Offer, you agree that you have read and understood these Terms and Conditions and agree to be bound by them.

Last updated on: July 23, 2020

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