Terms and Conditions for Fibe Referral Program
(“Referral Program”)

• The following terms and conditions in respect of Social Worth Technologies Private Limited (“Fibe”)’s Referral Program are in addition to the service-user terms and conditions. To participate in Fibe’s Referral Program, you must agree to these terms, which become part of the service-user terms and conditions.
• By availing the lending services offered by our NBFC Partners (“Lending Partner”), the Referrer and Referee consent to the Terms and Conditions provided herein; “Referrer” being the person whose referral code (“Referral Code”) has been used and “Referee” being the person with whom the Referral Code has been shared by the Referrer. Customers/Customer include, whether individually or collectively, both the Referrer and the Referee.
• Offer Bucket:
• For every Referee who provides their basic profile details on the Fibe mobile application and enrolls with Fibe using a Referrer's Referral Code, both the Referrer and the Referee will be entitled to an Offer Bucket. Additionally, there is an ongoing Predict & win contest, where participants are rewarded based on the number of referees they successfully create and correct predictions during the ongoing cricket season. The contest offers exciting prizes to the top performers, including TWS earphones, smartwatches, Bluetooth speakers and wireless chargers.
• Additionally, a cash reward of Rs. 200/- to the Referrer and a cash reward of Rs. 300/- to the Referee shall be applicable on successful disbursal of loan to the Referee, provided that such Referrer has availed at least one loan from Fibe.
• A customer shall be eligible to receive a Referral bonus only for upto 5 references per month.
• Referral code will be considered only if it is applied through mobile application of Fibe. Both the Referrer and Referral Recipient have to submit their KYC to Fibe (Know your Customer) documents as prescribed by Fibe. The personal information to be filled on the mobile application of Fibe shall be collected, processed, shared and used in accordance with Fibe’s Privacy Policy and the agreed terms and conditions.
• Referrer can share his/her Referral Code on one to one communication platforms such as SMS, Whatsapp etc from Fibe’s Referral Page. Additionally, Referrer could also email the Referral Code to friends and family.
• The offer construct of Referral Program is subject to change at Fibe’s sole discretion and can be modified without any notice to either the Referrer or the Referee.
• The Referral Program on a Referral Code can be availed only in the state or city prescribed by Fibe.
• Creating multiple Customer’s accounts using multiple address, emails or signing in from multiple devices in order to unduly gain benefits shall be considered to be in contravention of these terms & conditions.
• The Referral Program shall not be clubbed with any other program of Fibe and the offers under the Referral Program are non-transferable.
• Fibe reserves the right to discontinue, add, alter, withdraw, modify, any of the terms of Referral Program without assigning any reasons or without any prior intimation whatsoever to the Customers. In case of any dispute, Fibe’s decision shall be binding on all customers.
• Any taxes, cess, liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by the Customer.
• Participation in Fibe’s Referral Program is voluntary and any transaction on Fibe’s mobile application shall be in accordance with the terms and conditions as prescribed by Fibe.
• We reserve the right to indefinitely suspend Referral Codes in case it has been published on any couponing or discount sites and at sole discretion of Fibe the customer’s account can be barred from availing any services of Fibe.
• Fibe reserves the right to review and investigate all referral activities including referral contest and to suspend accounts or revoke the Offer Bucket and withhold features or benefits obtained through Fibe Referral Program if Fibe believes or determines that the use of a Referral Code was in error, fraudulent, illegal, or in violation of the terms and conditions of Fibe Referral Program.
• The contents of the Referral Program on Fibe mobile application are provided on an "as is" basis without warranties of any kind. Fibe and Lending Partner shall not be held responsible or liable as to the accuracy, completeness, correctness, reliability, timeliness, non-infringement, title, merchantability or fitness for any particular purpose of the contents of the Referral Program displayed on the mobile application and/or its error free functioning.
• If any provision in these terms and conditions are held to be invalid, void or unenforceable, such provision will be struck and the same shall not affect the validity of and enforceability of the remaining provisions.
• Participants assumes all liability for any injury or a damage caused or claimed to be caused by his or her participation in this program and/or the acceptance and/or use of any product/services pursuant to the Referral Program, and releases Fibe, and their respective subsidiaries, affiliates, officers, directors, agents, and employees, from any such liability. Fibe, and their respective subsidiaries, affiliates, officers, directors, agents and employees are not responsible for technical, hardware, software, or telephone malfunctions of any kind, lost or unavailable network connections, or failed incorrect, incomplete, inaccurate, garbled or delayed electronic communications caused by the user or by any of the equipment or programming associated with or utilized or by any human error which may occur in the processing of the entries in this program.
• The Parties acknowledge that the interaction between the offer partner and the Customers will be subject to the terms and conditions specified by the respective offer partner. Fibe shall not assume responsibility for the contents of these terms and conditions. Furthermore, both Fibe and the Lending Partner shall not be held accountable for any claims related to the offers contained within the offer bucket or the products/services obtained through the use of the offer bucket.
• Neither Fibe nor Lending Partner shall be liable and/or responsible in any manner for the quality or performance of the goods provided as part of the referral contest.
• The logos, products and service names (“Marks”) contained in Fibe mobile application are trademarks of Fibe or its licensors. Without Fibe’s prior written permission, and except as solely enabled by any link as provided by Fibe, the Referrer/Referee agree not to display or use the Marks in any manner.
• Any dispute, controversy or claim arising out of or relating to Fibe’s Referral Program (“Dispute”), including claims seeking redress or asserting rights under the applicable law shall be settled through mutual consultation on best efforts basis and escalation at such offices of Fibe as may be designated.
• The decision of Fibe regarding any operational issue shall be final and binding on the participants and Fibe shall not be obligated to disclose the mechanism/working/logic behind deciding the winner.
• These terms and conditions shall be governed by and construed in accordance with the laws of India and Fibe and the Customer agree and undertake that any controversy or claim arising out of or relating to these terms and conditions will be adjudicated exclusively before a competent court in Pune, India only.

Predict, Refer & Win contest:

• Open to all existing and new Fibe customers.
• Contest Period: 26th March 2024 to 4th April 2024
• 5 points for each correct prediction
• Additional 5 points for every successful referral. (The one you refer needs to successfully sign up on the Fibe app)
• Top 3 participants with the highest points win at the end of contest period
• Winners will be contacted via email and phone; must respond within 3 days.
• Winning prizes are non-transferable, non-exchangeable for cash or other items.
• Participants engaging in fraud or violating T&C will be disqualified. Fibe reserves the right to modify, suspend, or cancel the Contest without prior notice. Fibe’s decision is final and binding.