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Referral programme terms and conditions

Updated: September 30, 2026

Version: 1.0.0

Table of Contents:

1. Introduction

1.1. These referral programme terms and conditions ("Referral Terms") govern the referral programme (the "Referral Programme") operated by CURRENCY COM INTERNATIONAL INC., a corporation incorporated in Canada with Registration No. 1001387720, having its operating address at 94 Lakeshore Road East, Unit 203, Mississauga, Ontario, L5G 1E3, Canada ("Currency.com", "we", "our" or "us"), through the Currency.com website (the "Website") and mobile application (the "App") (together, the "Platform").

1.2. Under the Referral Programme, a User may generate a personal referral link in the "Referral" section of the Platform (the "Referral Link"), use it to invite other persons to register on the Platform, and receive a reward, credited to the User's Account, in respect of each invited person who becomes an Activated User, all in accordance with these Referral Terms.

1.3. These Referral Terms supplement, and form part of, the terms of use published on the Website (the "Terms of Use") and the Policies referred to therein (together, the "Terms"). Capitalised terms not defined in these Referral Terms have the meaning given to them in the Terms of Use, save that, for the purposes of these Referral Terms, "Currency.com", "we", "our" and "us" refer to CURRENCY COM INTERNATIONAL INC. In the event of a conflict in relation to the Referral Programme, these Referral Terms prevail.

1.4. PLEASE READ THESE REFERRAL TERMS CAREFULLY. BY ACCEPTING THESE REFERRAL TERMS IN THE "REFERRAL" SECTION OF THE PLATFORM, BY GENERATING, SHARING OR USING A REFERRAL LINK, OR BY REGISTERING AN ACCOUNT THROUGH ONE, YOU ACCEPT AND AGREE TO BE BOUND BY THESE REFERRAL TERMS. If you do not agree, do not generate or use a Referral Link.

1.5. In these Referral Terms, "person" includes a natural person, corporate or unincorporated body. These Referral Terms apply equally to Users and Referred Users that are natural persons and to those that are legal entities. Where a User or Referred User is a legal entity, references to "you" or to that person are to the legal entity, and the individual who generates or uses a Referral Link, or accepts these Referral Terms, on its behalf represents that he or she is duly authorised to bind it.

2. Definitions

2.1. In these Referral Terms:

  1. "Referrer" means a User who has generated a Referral Link and participates in the Referral Programme.
  2. "Referred User" means a person who registers an Account through a Referrer's Referral Link in accordance with section 4 and whose Account is successfully opened.
  3. "Account Opening Date" means the date on which a Referred User's Account is successfully opened and approved following the Verification Process, the AML Requirements and our risk-acceptance procedures.
  4. "Qualifying Turnover" means the aggregate value, in USD (or its equivalent), of a Referred User's exchange transactions, FX transactions and card funding transactions executed through the Services. For the avoidance of doubt, Qualifying Turnover excludes deposits, withdrawals, and any transaction type other than exchange, FX and card funding transactions.
  5. "Activation Threshold" means Qualifying Turnover of USD 10,000 (or its equivalent).
  6. "Activation Period" means the period of six (6) months commencing on the Account Opening Date of a Referred User, during which that Referred User must reach the Activation Threshold to become an Activated User.
  7. "Activated User" means a Referred User that has reached the Activation Threshold within its Activation Period. A Referred User that does not reach the Activation Threshold within its Activation Period is a "Non-Activated User".
  8. "Commission Period" means the period of thirty-six (36) months commencing on (and including) the Account Opening Date of an Activated User and ending on (and including) the day immediately preceding the corresponding date in the thirty-sixth (36th) month following the Account Opening Date (e.g., if the Account Opening Date is 14 March 2026, the Commission Period ends on 13 March 2029).
  9. "Net Revenue" means the actual fees, commissions, spread income and other charges actually charged by us to, and retained from, a Referred User in connection with that Referred User's trading and other chargeable activity through the Services, before deduction of any third-party or network fees, liquidity or execution costs, or payment processing costs we incur in providing the Services. Net Revenue is calculated net of any amount charged to the Referred User that is subsequently charged back, refunded, rebated or discounted, and net of any indirect tax (such as GST/HST) forming part of the amount charged. For the avoidance of doubt, Net Revenue is not, and shall not be calculated by reference to, the notional or nominal value of any transaction, the User's trading volume, or the User's Account balance.
  10. "Referral Reward" has the meaning given in clause 5.1.
  11. "Referral Dashboard" means the section of the Platform through which a Referrer may view information about the Referral Programme.

3. Eligibility

3.1. To participate in the Referral Programme you must hold a User Account, whether as a natural person or a legal entity, that is in good standing (not suspended, restricted or subject to termination) and in compliance with the Terms. Where you are a natural person, you must be at least 18 years old and legally capable, in accordance with the Terms. Completion of the Verification Process is not required to generate a Referral Link or to earn Referral Rewards, but is required before any Referral Reward may be withdrawn - see clause 3.4.

3.2. The Referral Programme is general in nature and is not limited to any particular category, type, sector or profile of Referred User, subject always to the Terms and applicable law.

3.3. We may limit or withhold access to the Referral Programme in any jurisdiction or for any category of User where required by applicable law or our risk-acceptance procedures, and the Referral Programme is not available where its operation would be unlawful. The Referral Programme is not available to persons resident in the Province of Québec.

3.4. You do not need to have completed the Verification Process to generate a Referral Link, participate in the Referral Programme, or accrue Referral Rewards. Referral Rewards continue to accrue and be credited to your Account before you complete the Verification Process, but remain non-withdrawable until you do so. Once you complete the Verification Process, any Referral Rewards credited to your Account become withdrawable, subject to the Terms.

3.5. The Referral Programme does not apply to any person introduced by you under a separate written referral, partnership or affiliate agreement with us or our affiliates, which shall govern exclusively. Our directors, officers and employees, and those of our affiliates, are not eligible to participate.

4.1. A Referral Link is unique to you, personal and non-transferable. You may share it only in accordance with section 7.

4.2. A person is attributed to you as a Referred User only if that person:

  1. registers an Account by following your Referral Link during registration;
  2. has no existing or previous Account with us or any of our affiliates; and
  3. has an Account that is successfully opened and approved.

4.3. Attribution is determined by the Referral Link recorded by the Platform at the time of registration. It cannot be changed, added, transferred or applied retrospectively, and each Referred User may be attributed to one Referrer only.

4.4. We may decline to onboard any person at our sole discretion, including under the Verification Process, the AML Requirements or our risk-acceptance procedures. No Referral Reward is payable in respect of any person we decline to onboard.

4.5. A Referred User remains attributed to you for the Commission Period regardless of any change of corporate vehicle, related entity or successor used by that Referred User (including, where the Referred User is a natural person, any entity through which that person uses the Services), where we determine that the relevant Accounts are under common ownership or control.

4.6. We maintain a record of the Account Opening Date and of the Qualifying Turnover of each Referred User. That record is determinative for the purposes of these Referral Terms, absent manifest error and subject to section 6.

5. Activation and Referral Reward

5.1. In consideration of the introductions made through your Referral Link, we shall credit to your Account a reward equal to thirty per cent (30%) of the Net Revenue generated by each Activated User during that Activated User's Commission Period (the "Referral Reward"). The Referral Reward is calculated on Net Revenue only and is never calculated as a percentage or fraction of the notional value, volume or amount of any transaction.

5.2. A Referred User becomes eligible to generate a Referral Reward only if it reaches the Activation Threshold within its Activation Period (i.e., accumulates Qualifying Turnover of USD 10,000 (or its equivalent) within six (6) months of its Account Opening Date), thereby becoming an Activated User.

5.3. If a Referred User does not reach the Activation Threshold within its Activation Period, that Referred User is a Non-Activated User and we shall have no obligation, then or at any time thereafter, to pay any Referral Reward in respect of that Referred User, including in respect of any Qualifying Turnover accumulated after the Activation Period has expired.

5.4. By way of illustration only: if a Referred User accumulates USD 8,000 of Qualifying Turnover during months 1 to 6 following its Account Opening Date and reaches USD 10,000 only in month 8, that Referred User is a Non-Activated User (its Activation Period having expired at the end of month 6 without reaching the Activation Threshold), and no Referral Reward accrues in respect of that Referred User, notwithstanding the turnover in month 8 or any later activity.

5.5. For an Activated User, the Referral Reward accrues only in respect of Net Revenue generated during that Activated User's Commission Period. No Referral Reward accrues in respect of Net Revenue generated after the Commission Period expires.

5.6. Where a Referred User is onboarded but never opens a funded Account, or its Account Opening Date cannot be established, that Referred User is treated as a Non-Activated User.

5.7. The Referral Programme is single-level. Referral Rewards are payable only in respect of Referred Users registered directly through your Referral Link, and not in respect of any person referred by a Referred User.

5.8. Referral Rewards are calculated and credited in the currency in which we record the underlying Net Revenue, unless the Platform indicates otherwise.

5.9. Referral Rewards depend entirely on the Net Revenue we actually earn. We do not guarantee that any person will register, be onboarded, trade or become an Activated User, or that you will earn any minimum amount.

6. Statements, Crediting and Disputes

6.1. The Referral Dashboard shows, for each Referred User, a pseudonymised identifier, the Account Opening Date, activation status and the Referral Reward accrued and credited. We do not disclose to any Referrer the identity, personal information or trading activity of any Referred User.

6.2. At the end of each calendar month, we shall calculate, and make available in the Referral Dashboard, a statement setting out, for each Referred User, the Account Opening Date, activation status, the Net Revenue generated during that month (where applicable) and the resulting Referral Reward due. We shall credit the Referral Reward due to your Wallet no later than the twentieth (20th) day of the following calendar month.

6.3. If you believe a statement is incorrect, you may notify our Support Team at [email protected] within fifteen (15) days of the statement date, giving reasons. We shall review the matter in good faith and respond within a period not exceeding sixty (60) days from receipt of your notice. A statement that is not disputed within the fifteen (15) day period is final and binding, absent manifest error.

6.4. Once credited, Referral Rewards form part of your Wallet balance and are subject to the Terms, including the provisions on Withdrawals, the AML Requirements, Fees, Dormant Accounts and the Right to set off. Referral Rewards bear no interest and may not be assigned or transferred. Withdrawal of any credited Referral Reward is subject to completion of the Verification Process in accordance with clause 3.4, and to the Terms, including the AML Requirements.

6.5. Referral Rewards are stated exclusive of GST/HST or any equivalent indirect tax. If you are registered for such tax and legally required to charge it on the Referral Reward, we shall pay the applicable amount upon receipt of a valid tax invoice showing your registration number; otherwise no such tax is added. We may deduct or withhold any tax we are required by law to withhold, and may require you to provide tax residency and registration information. You are solely responsible for determining, reporting and paying any Taxes arising from Referral Rewards, in accordance with section 10 (Taxes) of the Terms of Use, and, where you are a legal entity or otherwise carry on business, for providing any tax registration details we reasonably request.

7. Conduct of Referrers

7.1. You shall comply with all laws applicable to you in connection with your use of the Referral Programme, including anti-spam, advertising, consumer protection, anti-money laundering, counter-terrorist financing and sanctions laws, and you shall cooperate reasonably with us on any related compliance matter.

  1. You shall not, directly or indirectly:
  2. register or attempt to register an Account through your own Referral Link, or through the Referral Link of a person acting on your behalf, or otherwise refer yourself or your affiliates, beneficial owners, directors, employees or other persons under your control (including by using multiple Accounts, devices or identities);
  3. send unsolicited commercial messages or otherwise use spam or any method that breaches applicable anti-spam legislation, including Canada's Anti-Spam Legislation (CASL);
  4. make any false, misleading or exaggerated statement about the Platform, the Services or Virtual Assets, including any promise or guarantee of profit or return, or provide investment or financial advice on our behalf;
  5. make any representation on behalf of Currency.com, or hold yourself out as our agent, employee or representative, save as expressly authorised by us in writing;
  6. use our name, trademarks, logos or other Intellectual Property except as we have made available for the Referral Programme, or create websites, accounts or advertisements that impersonate or could be confused with Currency.com;
  7. promote the Referral Programme to minors or in any jurisdiction where the Services are not permitted;
  8. use bots, scripts or other automated means to generate registrations or activity, or engage in artificial, collusive or wash trading, or any other activity designed to generate Net Revenue or Referral Rewards artificially; or
  9. breach the Terms.

7.2. Where required by applicable law, you shall clearly disclose to your audience that you receive a reward for referrals.

8. No Circumvention

8.1. You shall not, directly or indirectly, use any Referral Link, information or process made available under the Referral Programme for any purpose other than participating in the Referral Programme in accordance with these Referral Terms, nor restructure, replace or relabel the relationship with any Referred User in a way designed to obtain Referral Rewards to which you would not otherwise be entitled.

8.2. We shall not, directly or indirectly, restructure, replace or relabel the relationship with any Activated User in a way designed to avoid the accrual of Referral Rewards that would otherwise be due under section 5. This clause 8.2 applies during your participation in the Referral Programme and for twelve (12) months following its termination or expiry. If we breach this clause 8.2, you are entitled, without prejudice to any other remedy, to an amount equal to the Referral Reward that would have accrued but for the breach.

9. Withholding, Forfeiture and Set-off

9.1. Acting in good faith, we may withhold, suspend, reverse or cancel any Referral Reward, and suspend or terminate your participation in the Referral Programme, if:

  1. you breach the Terms, or a Referred User breaches the Terms (in which case only in respect of that Referred User);
  2. we suspect fraud, abuse, self-referral or artificial activity;
  3. we are required or entitled to do so under applicable law, the AML Requirements, sanctions requirements or a request from a competent authority;
  4. the underlying transactions are reversed, charged back or refunded; or
  5. your Account is suspended or terminated for breach of the Terms.

9.2. We may recover from your Wallet, by way of set-off, any Referral Reward credited in error or in respect of activity described in clause 9.1, and any resulting shortfall remains a debt due from you to us.

9.3. Where permitted by law, we shall notify you of any action taken under clause 9.1. We are not required to disclose the grounds where doing so would breach applicable law, including anti-money laundering legislation, or prejudice an investigation.

10. Personal Information

10.1. Each of us acts as an independent controller of the personal information it processes in connection with the Referral Programme. We process personal information, including information linking a Referred User to a Referral Link, in accordance with our Privacy Policy and applicable Canadian privacy legislation, including PIPEDA.

10.2. You shall not collect, use or disclose any person's personal information in connection with the Referral Programme except as permitted by applicable law.

10.3. Referred Users acknowledge that (a) we record the Referral Link through which they registered; (b) the Referrer receives a Referral Reward calculated on the Net Revenue generated by their activity, which is paid by us and does not increase the Fees they pay; and (c) we share with the Referrer only the pseudonymised information described in clause 6.1.

11. Term, Changes and Termination

11.1. Your participation in the Referral Programme continues for as long as you hold an Account in good standing, unless ended in accordance with this section. You may end your participation at any time by deactivating your Referral Link or notifying our Support Team.

11.2. We may modify, suspend or discontinue the Referral Programme, or end your participation without cause, on at least sixty (60) days' prior notice through the Platform or your Primary Email Address. We may end your participation with immediate effect where clause 9.1 applies, where you commit a material breach of these Referral Terms that is not remedied within thirty (30) days of notice (or is incapable of remedy), or where we lose a regulatory licence or registration material to the Referral Programme.

11.3. We may amend these Referral Terms at our discretion, acting in good faith, including the Referral Reward rate, the Activation Threshold, the Activation Period and the Commission Period, by giving at least ten (10) days' prior notice through the Platform or your Primary Email Address. Amendments apply only from their effective date and do not affect Referral Rewards already accrued in respect of Net Revenue generated before that date. If you do not agree with an amendment, your sole remedy is to end your participation in accordance with clause 11.1.

11.4. Survival of accrued rights. Termination or discontinuation of the Referral Programme, or of your participation, does not affect Referral Rewards already accrued, or still accruing, in respect of any Activated User whose Commission Period has not expired at the date of termination. Subject to clause 9.1 and to your maintaining an Account to which they can be credited, we shall continue to credit Referral Rewards in respect of Net Revenue generated by such Activated Users until their respective Commission Periods expire. If your Account is closed other than in the circumstances described in clause 9.1, Referral Rewards accrued and not yet credited at the date of closure shall be calculated and settled together with the final settlement of your Account.

11.5. Clauses 4.6 and 11.4 and sections 5 (to the extent of clause 11.4), 6, 8, 9, 10, 12 and 13 survive termination.

12. Disclaimer, Liability and Indemnity

12.1. The Referral Programme is provided "AS IS". Section 16 (Limitations of Liability) of the Terms of Use applies to the Referral Programme, save that nothing in these Referral Terms excludes liability that cannot be excluded by law, or our obligation to credit Referral Rewards that have accrued in accordance with these Referral Terms.

12.2. You are solely responsible for your communications, promotions and any arrangement you make with any person in connection with your Referral Link. We are not liable for any representation you make and are not a party to any such arrangement.

12.3. To the widest extent permitted by law, you shall indemnify us, in accordance with section 15 (Indemnities) of the Terms of Use, against any claims, losses and expenses arising from your breach of these Referral Terms or from any representation or conduct described in section 7.

13. Governing Law, Complaints and Disputes

13.1. These Referral Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws provisions.

13.2. Complaints may be submitted in accordance with section 18 (User Support and Complaints) of the Terms of Use. Before commencing any proceedings, the parties shall use reasonable endeavours to resolve the dispute amicably and in good faith for a period of thirty (30) days following written notice of the dispute.

13.3. Failing amicable resolution, any dispute shall be submitted to the exclusive jurisdiction of the courts of the Province of Ontario, Canada, in accordance with section 19 (Governing Law and Dispute Resolution) of the Terms of Use.

14. General

14.1. Nothing in the Referral Programme creates a partnership, joint venture, agency, employment or fiduciary relationship between you and us, and neither of us may bind the other.

14.2. You may not assign or transfer your rights or obligations under these Referral Terms without our prior written consent. We may assign them to any affiliate or successor.

14.3. These Referral Terms, together with the Terms, constitute the entire agreement between you and us regarding the Referral Programme. If any provision is held invalid or unenforceable, the remaining provisions continue in full force. Failure to enforce any right is not a waiver.

14.4. Notices are given in accordance with section 17 (Miscellaneous) of the Terms of Use. The English version of these Referral Terms prevails over any translation.

Currency.com is a financial technology company, not a bank