First Steps Terms & Conditions

First Steps Referral Terms & Conditions

These Referral Program Terms and Conditions (the “Terms”) govern your participation in the referral program (the “Program”) offered by Estra Finance (the “Company”). By participating in the Program, you agree to comply with these Terms. Please read these Terms carefully before participating in the Program.

Eligibility:
1.1 The Program is open to individuals who are at least 18 years old at the time of participation.
1.2 Employees, contractors, agents, and representatives of the Company are not eligible to participate in the Program.
1.3 The Company may choose not to proceed with any eligible participants (the “Referrers”) application and is not under any obligation to disclose why.
Program Overview:
2.1 The Program allows eligible participants (the “Referrers”) to refer individuals (the “Referred Customers”) to the Company’s products/services.
2.2 Referrers will earn rewards, as specified in these Terms, for successful referrals resulting in an approved loan by the Referred Customer.
Referral Process:
3.1 To participate in the Program, Referrers must refer the Referred Customers by using a unique code provided by the Company or be know by the customer by name.
3.2 Referred Customers must use the code or name of the refer during their application process to be identified as a referral from the Referrer.
3.3 Referrers will only receive credit for successful referrals that meet the Program’s qualifying criteria, as determined by the Company.
3.4: The Referrer must not charge a fee for the referral or require the customer to pay a fee to any person or entity in relation to the referral.
3.5 Referrers must not: a)take any steps to refer customer to any of our partnered banks or developers directly b) take any steps to complete the loan application on an applicant’s behalf; or c) receive, provide or collect any documentation in relation to the loan on behalf of the applicant. All documentation for a loan must be collected by Estra Finance or provided directly to Estra Finance by the applicant.
Rewards:
4.1 The specific rewards offered in the Program will be communicated to Referrers through the Program’s representative, promotional materials or on the Company’s website.
4.2 Rewards will be in the form of the Referrer’s chosen currency, either transferred directly into the Referrer’s nominated bank account or through a money transfer platform, for example PayPal or Wise.
4.3 The Company reserves the right to modify or terminate the rewards structure at any time without prior notice.
Referral Limits and Fraud Prevention:
5.1 Referrers may not engage in any fraudulent or unethical activities to gain referrals, including but not limited to creating multiple accounts, spamming, or using unauthorized marketing techniques.
5.2 The Company reserves the right to disqualify Referrers and withhold rewards if any fraudulent activity or violation of these Terms is suspected.
5.3 Referrers may not refer themselves or use the Program to receive rewards for their own purchases or registrations.
Communication:
6.1 By participating in the Program, Referrers consent to receive communications, updates, and promotional materials related to the Program and the Company.
6.2 Referrers may unsubscribe from these communications at any time by following the instructions provided in the communication.
Program Changes and Termination:
7.1 The Company reserves the right to modify, suspend, or terminate the Program or these Terms at any time, for any reason, without prior notice.
7.2 Any modifications to the Program or Terms will be effective immediately upon posting on the Company’s website or notifying Referrers through other communication channels.
Privacy:
8.1 The Company will collect and process personal information in accordance with its Privacy Policy. By participating in the Program, you agree to the collection, processing, and use of your personal information as described in the Privacy Policy.
Limitation of Liability:
9.1 To the fullest extent permitted by applicable law, the Company will not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with the Program, including but not limited to any errors, inaccuracies, or delays in the referral process or reward issuance.
Governing Law and Dispute Resolution:
10.1 These Terms will be governed by and construed in accordance with the laws of the Philippines.
10.2 Any disputes arising out of or relating to these Terms or the Program will be subject to the exclusive jurisdiction of the courts located in the Philippines.
By participating in the Program, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree to these Terms, you should not participate in the Program.