Terms & Conditions

Splash Refer-a-Friend Program

The following are the official rules to the Splash Refer-a-Friend Program (the “Program”), established by Splash Financial, Inc. (“Splash”). By participating in the Program as a “Referrer” (someone who refers a friend to Splash) or as a “Referred Borrower” (someone who has been referred to Splash by a Referrer), you agree that you will be bound by these official rules and acknowledge that you satisfy all eligibility requirements as described herein. Referred Borrower agrees that by participating in the Program Splash may share the status of the Referred Borrower’s loan request with the Referrer, however, Splash will not share any other non-public personal information about the Referred Borrower with the Referrer. 

Official Terms and Conditions

1. Referrer Eligibility - In order to become an eligible Referrer an individual must meet the following requirements:

i. Sign up by providing their email address and agreeing to these official rules and the applicable terms and conditions and privacy policy on the website; 

ii. Be a legal US Resident; and

iii. Be of the Age of Majority in their state of residence.

2. Referred Borrower Eligibility - In order for a Referred Borrower to be eligible for the program an Individual must meet the following requirements:

i. Use a Referrer’s referral link to create a new account and check their rates with Splash;

ii. Be a legal US Resident; 

iii. Be the Age of Majority in their state of residence; and

iv. Be a new customer of Splash Financial who has not previously submitted an application to refinance through Splash.

3. Referrer Rate Check Reward - In order for a Referrer to be eligible for a Rate Check Reward, the Referred Borrower they referred must (i) create a new account with Splash via the Referrer’s unique referral link, (ii) check their rate with Splash within 60 days, and (iii) receive a pre-qualified rate offer from Splash. Rate Check Rewards can only be earned once per Referred Borrower. Rate Check Rewards are made available within 30 days of the rate check occurring and are made available via Paypal. Reward fulfillment information will be sent to the email address used to create the Referrer’s Refer-a-Friend account. Referred Borrowers are not eligible for a Rate Check Reward. Reward amounts are subject to change at Splash’s sole discretion. As of 12/1/2020, Rate Check Rewards are:
1st to 10th Rate Check - $10 each
11th to 20th Rate Check - $15 each
21st+ Rate Check - $20 each
4. Referrer Refinanced Loan Reward - In order for a Referrer to be eligible for a Refinanced Loan Reward, the Referred Borrower (i) must create a new account with Splash via the Referrer’s referral link, (ii) must refinance their loans through Splash within 90 days, and (iii) must not have already refinanced a loan through Splash. Refinanced Loan Rewards can only be earned once per Referred Borrower. Refinanced Loan Rewards are made available within 30 days of the completion of the refinance process and are made available via PayPal. As of 12/1/2020, the Refinanced Loan Reward is $200. Reward fulfillment information will be sent to the email address used to create the Referrer’s Refer-a-Friend account. This reward amount is subject to change at Splash’s sole discretion.
5. Referred Borrower Refinanced Loan Reward - In order for the Referred Borrower to be eligible for a Referred Borrower Refinanced Loan Rewards the Referred Borrower (i) must create a new account with Splash via the Referrer’s referral link, (ii) must refinance at least $30,000 in loans through Splash within 90 days, and (iii) must not have already refinanced a loan through Splash. Referred Borrower Refinanced Loan Rewards can only be earned once per Referred Borrower. Refinanced Loan Rewards are made available within 30 days of the loan being refinanced and are made available via PayPal. As of 12/1/2020, the Refinanced Loan Borrower bonus is $200. This reward amount is subject to change at Splash’s sole discretion. Fulfillment information will be sent to the email address used by the Referred Borrower to complete their refinancing process.
6. Limitations - Referrers and Referred Borrowers will only be eligible to receive a reward the first time that a Referred Borrower checks their rate and/or refinances a student loan through Splash. Therefore, you will not receive another reward in the event that the individual referred by you checks their rate again and/or obtains an additional loan product through Splash Financial's platform. The Referred Borrower must use the referral link shared by the Referrer for either party to be eligible for rewards. If the Referred Borrower completes the application using another partner link or marketing method, neither party will be eligible for a reward. Please note that individuals cannot refer themselves and will not receive a reward in the event they attempt to do so. The Program is limited to student loan refinancing offered via Splash Financial’s platform, and rewards cannot be earned for referring any other loan product offered on the platform. By participating in the Program, Referrers agree to comply with all applicable laws and regulations, including, but not limited to, email and anti-spam laws. If the Referrer provides the link via email, it must be written such that it is appropriate and customary for friends, colleagues, and family members. If the Referrer provides the link through a social media site, the Referrer must comply with the social media site’s rules applicable to providing the link. Referrers may not purchase internet search terms or publicly advertise the Splash Program. Any distribution of a link that could constitute unsolicited commercial email is prohibited and will result in the Referrer being ineligible to participate in the Program. We will not honor bonus payments for referrals which are generated using any of the foregoing means. Referrers agree not to compensate, or accept any compensation from Referred Borrowers in connection with such referrals. Referrers will only inform Referred Borrowers about the Program and may not otherwise collect information from the Referred Borrower. The sharing of the link shall be limited to your friends, family, and other direct, personal acquaintances who you have reason to believe would have an interest in student loan refinancing. Referrer and Referred Borrower are responsible for all taxes. Please consult your tax advisor to evaluate your tax liability related to any bonus earned under this program. Neither Referrer nor Splash intends to establish an employment relationship and the Referrer is not entitled to benefits.
7. Fraudulent and Suspicious Activity - Splash reserves the right to disqualify any Referrer or Referred Borrower from the program or prohibit rewards if it determines the Referrer or Referred Borrower violated the Terms & Conditions or engaged in Fraudulent or Suspicious activity, including referring oneself, or using multiple email addresses to earn rewards. Rewards, in the sole discretion of Splash, will not be paid if Splash, or a lending partner, is unable to access the Referred Borrower’s credit report for any reason. All reward decisions are in Splash's sole discretion and are final.
8. Changes to the Program - Splash Financial reserves the right to change or eliminate the Program at any time with or without notice. Not to be combined with any other offer.