REFER A FRIEND PROGRAM

Last updated: September 22, 2025

The following describes the terms of service that apply to participation in the referral program (the "Referral Program") currently offered by Kiwi Financial Inc. ("Kiwi") and its affiliates. If you wish to participate in any Referral Program described below, you agree to the terms of that Referral Program described in Part I below, as well as the General Terms and Conditions in Part II, which apply to the Referral Program.

Please note that:

  • Any friend you would like to refer must use your specific product's referral link to sign up for the product they want.
  • Only one referral reward per new customer. You won't receive multiple rewards for the same friend who obtains multiple loans or products.
  • Additional terms and conditions apply.
  • Each person referred must be someone with whom you have a direct, personal relationship. You may not distribute a referral link or solicit anyone through mass email, commercial advertising, or other similar means.
  • Kiwi reserves the right to review, investigate, and disqualify any individual from participating in the Referral Program at any time, and reserves the right to decline any referral that, in our sole discretion, has been solicited in a manner inconsistent with the spirit or terms of the Program.

Anyone referred for a Kiwi loan must not have an existing registered Kiwi account. To protect the privacy of those you refer, account information or eligibility of referred prospects cannot, under any circumstances, be shared with the referrers.

A successful referral is defined as: they are new to Kiwi, use their personal and unique referral link to create an account in the Kiwi app and register at www.kiwicredito.com, or in the respective app stores, for the first time and within 24 hours of clicking on their link. Referred individuals must complete the loan application, open an eligible Kiwi loan account, and receive full loan proceeds disbursement within 90 days of registration for the referral bonus to be posted.. Eligible accounts include a Kiwi Personal Loan only. No payments will be made for opening any other type of Kiwi account.

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Referral Program — Part I

Loan Referral Program

The terms below and those set forth in Part II govern your participation in the Kiwi Financial Inc. ("Kiwi") Loan Referral Program (the "Referral Program"). The Loan Referral Program is open to any consumer who registers on the Kiwi website or mobile application and who resides in the states where we are licensed and offer our services (the "Eligible Loan Referrer(s)").

Eligible Loan Referrers are limited to referring friends, colleagues, family members, and other individuals they (collectively, "Eligible Loan Recipients") who they believe may be interested in applying for a personal loan product. Kiwi reserves the right to disqualify any individual from participating in the Program at any time. Referrers will NOT receive a bonus for products other than personal loans.

To receive credit for a referral:

  1. The Referrer must send their unique referral link to the Eligible Loan Recipient.
  2. The Beneficiary must register and complete process within 90 days of receiving the link.
  3. The Beneficiary must comply with all terms and conditions of the campaign associated with that link and obtain an approved and disbursed personal loan.

If all conditions are met:

  • The Eligible Loan Referrer will receive $50 for each effective referral.
  • o Referrals made prior to September 4, 2025 will continue to earn the previously established reward of $15 per effective referral.
  • If you have an active loan with Kiwi, the amount will be credited to your outstanding balance.
  • If you don't have an active loan, the amount will be paid by bank transfer or via credit to Kiwi Wallet according to the established schedule.

Only one $50 bonus will be awarded for each referred beneficiary, even if they obtain multiple loans. The bonus will not be paid if the referred beneficiary already had a Kiwi loan account, did not use the correct link, or does not reside in the jurisdictions where we operate.

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General Terms and Conditions of the Referral Program — Part II

Referral Limit

Kiwi reserves the right to limit the number of times a link may be used. Kiwi reserves the right to limit the number of times a referral link may be used. Referral links may not be used in any manner that is misleading, fraudulent, or abusive. This includes, but is not limited to, creating multiple or fake accounts, self-referrals, use of bots or automated systems, bulk distribution of referral links in violation of applicable law, or any activity intended to game or manipulate the program. Kiwi may, in its sole discretion, disqualify referrals or revoke rewards if it determines that abuse or fraud has occurred. Any fraudulent or abusive activity may also result in suspension or termination of participation in the program.

Participants must comply with all applicable laws, including the CAN-SPAM Act, the Telephone Consumer Protection Act (TCPA), and any similar state or federal regulations governing electronic communications and marketing. Kiwi reserves the right to disqualify any referral or revoke rewards if it determines that prohibited activity has occurred.

Payment methods

  • Active customers: $50 credit on your loan.
  • Inactive customers (with previously disbursed loans): payment by bank transfer of $50.
  • Payments are scheduled depending on when the referral was completed.
  • Eligible customers will be notified by email.

Non-Solicitation Agreement

Participant agrees not to receive additional compensation for referrals outside of the scope of this agreement and not to engage in activities that involve assisting in completing applications or discussing specific product terms.

Privacy

Kiwi will not share the personal account details, financial information, or loan decision outcomes of the referred person with the referrer. Referral status will only be communicated in terms of whether a referral reward has been earned and credited. All customer information is handled in accordance with Kiwi’s Privacy Policy, the Gramm-Leach-Bliley Act (Regulation P), the Fair Credit Reporting Act (FCRA), and other applicable privacy and consumer protection laws.

Zero "Spam"

Any promotional method that violates anti-spam laws, pretends to be affiliated with Kiwi, or violates established policies is prohibited.

Taxable Income

Your participation is as an independent contractor. If you accumulate more than $600 in payments in a calendar year(January 1st to December 31st), Kiwi may issue an IRS Form 1099-MISC, and participants are responsible for reporting income. Payments not claimed within 180 days are subject to cancellation.

Conflicts

In the event of a conflict between these terms and a specific campaign, these terms shall prevail.

Discontinuation of the Previous Referral Program

These terms supersede previous versions. Kiwi reserves the right to modify or discontinue the referral program at any time. However, any previously earned, qualifying referral rewards will still be honored in accordance with these Terms and Conditions.