Black Friday Cashback Offer 2022- Cashback Terms

Introduction
Qualification
Financial reward
Agreements
Restrictions
Miscellaneous

Introduction
1. These Terms and Conditions are active from 18:00 on the 23rd of November 2022 and remain in effect until 23:59 on the 30th of November 2023; the duration of the ‘Black Friday Cashback Offer 2022’ promotion.
2. Any changes to the terms of the ‘Black Friday Cashback Offer 2022’ promotion will be communicated via e-mail. This includes adjustments to the conditions and/or closure or suspension of the ‘Black Friday Cashback Offer 2022’ promotion.
3. The Terms of the ‘Black Friday Cashback Offer 2022’ offer should be read in conjunction with the easyMoney Lender Terms and Conditions and the easyMoney IFISA Terms and Conditions available at www.easymoney.com. A copy of the Terms and Conditions may also be requested in writing at easyMoney, 168 Fulham Road, London, SW10 9PR.
Qualification
1. The ‘Black Friday Cashback Offer 2022’ promotion is available for participants who:
  1. invest in an IFISA or Regular account with us, and subsequently maintain the minimum qualifying balance for a minimum of 12 months, pursuant to the Lender Terms and Conditions and IFISA Terms and Conditions.
  2. transfer an existing ISA to us from another provider
2. The qualifying customer must either:
  1. invest before 23:59 on 30th November 2022 and remain invested in an easyMoney lending product, or be available for investment, for a duration of no less than 12 months
  2. Have an ISA transfer in request received and accepted by easyMoney before 23:59 on 30th November 2022, the proceeds of which must remain invested in the easyMoney IFISA, or be available for investment, for a duration of no less than 12 months of receipt of the transfer proceeds
3. If the account is closed, or the balance falls below the minimum required for the cashback amount then the reward under clause 3 will not be payable.
4. The qualifying balance for the Cashback offer (provided in the appendix) refers to the additional capital deposited to the easyMoney account between 18:00 on 23rd November 2022 and 23:59 30th November 2022 and/or the subsequent proceeds received from an ISA transfer in request made during that period, along with the subsequent net increase of that investment, that being the cash invested in loans and cash held in the easyMoney client account. If withdrawals are made that bring the balance of the account below the initial qualifying criteria explained in clauses 2.1-2.10 or below the initial balance at the start of this offer, 18:00 on 23rd of November 2022, then the offer will either cease and not be payable or be amended to a lower scale.
5. Customers wishing to invest in an easyMoney IFISA may choose to invest money as a new ISA subscription or transfer an existing ISA from another provider. It is the customer’s responsibility to ensure they do not breach the ‘one ISA per type per year’ rule.
6. In conjunction with the easyMoney IFISA Terms and Conditions, customers must declare their eligibility for an IFISA as part of the IFISA application process and in accordance with HMRC regulations
7. Failure to meet the minimum criteria for this promotion will invalidate the 'Black Friday Cashback Offer 2022' promotion.
8. If easyMoney becomes aware of any changes in circumstances that stop eligibility for the Cashback offer then the offer will no longer be valid and the easyMoney account may be terminated.
9. Each customer may only receive one cashback reward. Subsequent investment will not be eligible for the cashback offer but will count towards the minimum balance required for the cashback offer. If, for example, you invest £2,500 between 18:00 23rd November and 23:59 30th November 2022 and increase this to £5,000 after 30th November 2022, the subsequent payment would not have been made in time to benefit from this offer, so you would only be entitled to cashback on the first £2,500 under this offer. If both payments were made before 23:59 30th November 2022, then you would be entitled, assuming the £5,000 minimum balance was maintained, as well as any existing IFISA balance before investment, throughout the 12 month period. This clause does not apply to ISA transfer in requests made during this period where funds have not been received by the 30th November 2022; these funds will still qualify for the offer on receipt; pursuant to clauses 2.1 to 2.10.
10. If the level of your investment drops below a relevant threshold due solely to poor loan performance, or if funds are withdrawn and replaced within the same day, for example when moving funds from your Regular to IFISA account, you will still be entitled to the relevant cash reward.
Financial reward
1. If the conditions laid out in section 2 have been met then the cash reward will be awarded to the customer 12 months after investment.
2. It is the responsibility of the customer to ensure the conditions are met for a payment to be made (including the requirement to hold a minimum balance that is invested, or available for investment, for a period of at least 12 months. This does not include the balance of the account prior to the additional investment).
3. The reward will be credited to the customer’s Regular Account, assigned when opening an easyMoney account. If the customer decides to transfer the cashback value to their IFISA then this will count towards their ISA allowance for the year.
4. Customers who choose to transfer in an existing ISA from another provider should note that the cashback reward will be credited to the Regular account. If this is subsequently transferred to the IFISA this will also count towards their ISA allowance for the year.
5. easyMoney is not responsible for the payment of any tax relief or deductions as a result of the ‘Black Friday Cashback Offer 2022’ reward. This remains the responsibility of the customer.
6. No alternative reward will be granted other than the cash deposit to the Regular Account.
Agreements
1. The customer agrees that the ‘Black Friday Cashback Offer 2022’ reward is a promotional offer and should be regarded as a reward, it will not be classed as an interest payment or any other type of income. Should the cashback offer be subsequently invested it remains the responsibility of the customer to assess their own tax liabilities.
2. The customer agrees that easyMoney is not responsible or liable for any loss that the customer could incur in connection with the ‘Black Friday Cashback Offer 2022’ offer. It is the customer’s responsibility to ensure they maintain qualifying status throughout the promotion.
Restrictions
1. easyMoney assesses the eligibility of all customers pursuant to the Lender Terms and Conditions and shall not be required to accept a customer as a lender at its discretion.
2. easyMoney shall not be held responsible for any kind of corruption of data or hardware that occurs as a result of participation in this promotion.
3. The customer must reimburse easyMoney for any reward payment if it is subsequently discovered that any of the criteria laid out in section 2 has been breached.
4. easyMoney reserves the right to amend or withdraw the ‘Black Friday Cashback Offer 2022’ promotion at any time without notice, provided that such withdrawal or amendment shall not affect customers who have completed the lifecycle of the promotion.
5. The ‘Black Friday Cashback Offer 2022’ promotion cannot be used in conjunction with any other cashback promotion offered by easyMoney during the lifetime of this promotion.
Miscellaneous
1. These Terms and Conditions are governed in accordance with English law and any dispute arising under it shall be subject to the exclusive jurisdiction of the courts of England and Wales.
2. This offer is promoted by e-Money Capital Ltd (trading as easyMoney) at the registered address of 5 Fleet Place, London, EC4M 7RD.

Appendix

The following table provides an example of the cashback which can be earned on various investment amounts provided the minimum balance required is maintained for the duration of the promotion, in addition to the existing balance of the account(s) prior to this promotion.

Additional Investment	Cashback	Minimum qualifying balance for 12 months (in addition to existing balance prior to investment)
£5,000 - £9,999.99	£75	£5,000
£10,000 - £19,999.99	£150	£10,000
£20,000 upwards	£250	£20,000