1. Introduction
2. Qualification
3. Financial reward
4. Agreements
5. Restrictions
6. Miscellaneous

1. Introduction
   1. These Terms and Conditions are active and remain in effect until 23:59 on the 30th April 2020; the duration of the ‘Tax Year Cashback (April 2019)’ promotion.
   2. Any changes to the terms of the ‘Tax Year Cashback (April 2019)’ promotion will be communicated via e-mail. This includes adjustments to the conditions and/or closure or suspension of the ‘Tax Year Cashback (April 2019)’ promotion.
   3. The Terms of the ‘Tax Year Cashback (April 2019)’ 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, 52 Grosvenor Gardens, London, SW1W 0AU.
2. Qualification
   1. The ‘Tax Year Cashback (April 2019)’ promotion is available for participants on the easyMoney platform who have invested, and subsequently maintain the minimum qualifying balance, in addition to existing investments held with easyMoney, for a minimum of 12 months, pursuant to the Lender Terms and Conditions and IFISA Terms and Conditions.
   2. The qualifying customer must ensure that funds for investment are received in our bank account before 23:59 on 30th April 2019 and remain invested in an easyMoney lending product, or be available for investment, for a duration of no less than 12 months. 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.
   3. The qualifying balance for the Cashback promotion (provided in the appendix) refers to the additional capital deposited to the easyMoney account between Saturday the 6th April and Tuesday the 30th April 2019 and 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 2.1-2.9 then the promotion will either cease and not be payable or be amended to a lower scale.
   4. Customers wishing to invest in an easyMoney IFISA may choose to invest money as a new ISA subscription. It is the customer’s responsibility to ensure they do not breach the ‘one ISA per type per year’ rule.
   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 Tax Year Cashback 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 promotion but will count towards the minimum balance required for the cashback promotion.  If, for example, £5,000 is invested before 30th April 2019 and further investments bring the balance to £20,000 after 30th April 2019, the subsequent payment would not have been made in time to benefit from this promotion, so the customer would only be entitled to £50 cashback under this promotion.  If both payments were made before 30th April 2019, then the customer would be entitled to £50 12 months after the initial payment, and a further £250 12 months after the second payment, assuming the £20,000 minimum balance was maintained, as well as the existing balance before investment, throughout the 12 month period.
   10. If the level of a customer’s investment drops below a relevant threshold due solely to poor loan performance, the customer will still be entitled to the relevant cash reward.
3. 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 on investment. If the customer decides to transfer the cashback value to their IFISA then this will count towards their ISA allowance for the year.
   4. easyMoney is not responsible for the payment of any tax relief or deductions as a result of the ‘Tax Year Cashback (April 2019)’ reward. This remains the responsibility of the customer.
   5. No alternative reward will be granted other than the cash deposit to the Regular Account.
4. Agreements
   1. The customer agrees that the ‘Tax Year Cashback (April 2019)’ 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 ‘Tax Year Cashback (April 2019)’ offer. It is the customer’s responsibility to ensure they maintain qualifying status throughout the promotion.
5. 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 ‘Tax Year Cashback (April 2019)’ 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 ‘Tax Year Cashback (April 2019)’ promotion cannot be used in conjunction with any other cashback promotion offered by easyMoney during the lifetime of this promotion.
6. 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 (the trading name of easyMoney) at the registered address of 5 Fleet Place, London, EC4M 7RD.

Appendix

The following table details the minimum balance required for the duration of the promotion, in addition to the existing balance of the account(s) prior to this promotion.