The Offer will be available indefinitely until terminated by us as permitted under these Terms and Conditions.

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.

There is a limit of ten (10) referrals maximum permitted per each NorthOne Customer or New Customer (as defined below).

The Offer is available to all NorthOne Customers and New Customers.

The Offer cannot be used to refer oneself.

“Friend or family member”: 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.

“Referrer”: An existing NorthOne Customer who refers a friend or family member using the referral unique link provided by NorthOne, which is a unique Offer URL assigned to each NorthOne Customer (the “NorthOne Referral Unique Link”).

“Referee”: A New Customer who has been referred to NorthOne by the Referrer using a Referrer’s NorthOne Referral Unique Link.

“New Customer”: a Business or individual that has never had a NorthOne account.

A $50 referral bonus (the “Referral Bonus”) will be paid to each the Referrer and the Referee provided all conditions set out in these Terms and Conditions are met.

For both the Referrer and Referee to earn the Referral Bonus, the Referral must complete the following actions (“All Actions”):

NorthOne accounts are deemed successfully opened when the Referee has accepted and satisfied the terms and conditions applicable to the account, and the account is without restrictions of any sort.

Both Referral Bonuses will be paid into the respective NorthOne accounts of Referee and Referrer within 30 days of the Referee successfully completing All Actions. NorthOne will not provide the Referrer with any confidential details of the Referee.

If Referrer has multiple NorthOne accounts, the deposit of the Referral Bonus will be made to the Referrer’s checking account associated with the NorthOne Referral Unique Link.

We may impose a limit on any particular NorthOne Customer at any time and for any reason at our sole discretion.

Once the Referral Unique Link has been used by the Referee, NorthOne cannot reverse its use or application. Each Referee may only use one NorthOne Referral Unique Link to enroll in a NorthOne account, regardless of whether the Referee received or had access to multiple NorthOne Referral Unique Links from different Referrers.

Referees can’t combine the Offer with any other NorthOne enrollment offers except as otherwise permitted and set out in a particular promotional offer.

The Offer or NorthOne Referral Unique Link may not be transferred, sold, resold, or mass distributed.

We reserve the right in our absolute discretion to vary, delete or add to any of these Terms and Conditions from time to time upon any notice required by law (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 App, except where otherwise stated.

We reserve the right in our sole discretion to, upon any notice required by law (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 we may terminate or suspend the Offer if we find or believe 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 may be reclaimed by NorthOne.

By accepting this Offer, you agree that you have read and understood these Terms and Conditions and agree to be bound by them.