General terms

1. The Fair Trade Practice - Claims Specialist (The Supplier ) reserves the right to withdraw the Refer A Friend Scheme at any time and without notice. In such circumstances, all Referrals currently lodged with the Supplier would be honoured but new Referrals would not be accepted.

2. The Supplier reserves the right to withdraw the Refer A Friend Scheme at any time and without notice from any individual Customer or Consumer. In such circumstances, all Referrals currently lodged by the individual Customer or Consumer with the Supplier would be honoured but new Referrals would not be accepted.

3. The Supplier reserves the right to withhold payment of vouchers for any Referral without explanation where there is a doubt about the Referral’s authenticity. Where the Supplier suspects multiple inauthentic Referrals have been made by one individual Customer or Consumer, the Supplier reserves the right to withdraw the Refer A Friend Scheme without notice from the individual. In such circumstances the Supplier may also choose not to honour existing Referrals made by that Customer or Consumer.

4. In the event that a Referral is duplicated by two Customers or Consumers, the Supplier will pay vouchers only to the Customer or Consumer who made the referral first. In the event that this is impossible to verify, the vouchers will be split equally between the Customers or Consumers.

5. The Supplier reserves the right to withhold payment of the vouchers for a Referral where the Referrer is outside of payment terms.

6. The Supplier will not accept referrals through this scheme if you are a business, referrals are accepted on the basis that you are an individual and as such qualify as an ‘Exempt Introducer’. Please see below for the definition of an ‘Exempt Introducer’.

7. The Supplier will not accept Referrals where the Referrer would be in breach of the terms and conditions of an 'Exempt Introducer'

Referral terms

8. The Supplier will give the Referrer a £20 Marks & Spencer Voucher per referral upon receipt of the referred friend’s completed claims pack. There is no cash alternative.

9. The Supplier will give the Referrer a bonus of £100 Marks & Spencer vouchers upon receipt of the referrers 10th referral claims pack. There is no cash alternative.

10. In accordance with the definition of exempt introducer referred to in the Conduct of Authorised Persons Rules 2013 a Referrer can refer a maximum of 25 friends in any calendar quarter to The Supplier in order to qualify as an “exempt introducer”.

Definition of an “exempt introducer”

11. An “exempt introducer” means an individual or corporate body that is exempted from the need to be authorised under Paragraph 12 of the Compensation (Exemptions) Order 2006. In summary, an exempt introducer is a person who refers details of potential claims or potential claimants to an authorised business or to a legal practitioner or firm of legal practitioners where the following conditions are met:

a) The service is incidental to his/her main business;
b) Of the cases that the introducer refers to such persons, he/she is paid, in money or money’s worth, for no more than 25 cases per calendar quarter
c) He/she provides no other regulated claims management service; and
d) Where cases are referred to authorised persons the authorised persons accept responsibility for ensuring that he/she complies with these rules