Rules about our Refer a Friend Program

By using, participating in, or receiving the benefit of any portion of our Refer A Friend Program, you agree to be bound by this Agreement and to comply with it. If you do not agree to the terms of this Agreement, you must not use our Refer A Friend Program.

a. DESCRIPTION OF THE REFER A FRIEND PROGRAM

The Refer A Friend Program allows you to benefit, for a specified period of time, by our free choice and discretion, of a non-monetary or monetary reward (hereinafter “Referral Fee”), if you meet the requirements of the Refer A Friend Program in force at the time applicable to you.

The following requirements apply to the current Refer A Friend Program in the UK (“Program Requirements”):

  • To participate in the Refer A Friend Program, among other requirements, you must be a Lemonade UK customer, resident in the UK.
  • You must, subject to the applicable maximum number of Referrals, invite another person that is not a Lemonade customer (“Invitees”) by sharing a unique link with them which will be provided to you through the relevant Refer A Friend pop ups in your Lemonade account and which your Invitees can then use to click through to Lemonade UK’s landing page and complete the onboarding, sign up and purchase process and remain customers for at least 30 days (such Invitees completing the purchase of a policy for which at least the first premium has been paid, and which remains valid and in force following a period of 30 days to be referred to as “Referrals”).
  • Invitees must be residents of the UK and must have expressly consented to receiving such referral communications from you.
  • Each customer account may receive a Referral Fee for no more than 10 (ten) Referrals in any calendar year.

You may receive a Referral Fee each time you meet, at our discretion, the requirements of the Refer A Friend Program applicable to you in force at the time.

b. ELIGIBILITY AND AVAILABILITY

You must be a registered customer of Lemonade UK in good standing to benefit from the Refer A Friend Program.

The Refer A Friend Program is only available in the UK. Participation in the Refer A Friend Program is unauthorized outside of the UK and you agree not to participate if you are a resident of any other country. Refer A Friend Programs are for personal, non-commercial use only.

c. PROHIBITED USES

You may only use our Refer A Friend Program in good faith for lawful purposes. You may not:

  • create more than one account in order to invite yourself or more than the specified maximum number of Referrals;
  • invite others that have created duplicate accounts;
  • use alternative contact information to refer yourself or others that have created duplicate accounts;
  • invite someone who has been a past customer of Lemonade for more than 30 days;
  • invite fictitious persons;
  • invite any persons resident outside of the UK;
  • do anything that damages Lemonade’s brand, goodwill or reputation;
  • use our Services in a deceiving or deceptive manner to benefit from a Refer A Friend Program;
  • use the Refer A Friend Program in: (i) any way that breaches any applicable local, national or international law or regulation; or (ii) any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect; (iii) in any way that contravenes any other agreements we have with you, including these Terms; or (iv) in a manner harmful to our interests;
  • transmit any unsolicited or unauthorized advertising or promotional material or any other form of similar solicitation (spam); or
  • transmit any unsolicited or unauthorized advertising either via paid search or any other similar activity, including channels that can damage the Lemonade brand, goodwill or reputation;
  • share the invitation link with any person (who is not a Lemonade customer) that has not told you they want to receive information about Lemonade;
  • make use of Lemonade intellectual property including brand, trademarks, or logo in the context of any communications without Lemonade’s prior written approval;
  • provide in the context of a business, any promotion, advertisement, incentive, personal advice or recommendation in regard to Lemonade or the products of Lemonade;

You represent and warrant to us that you have obtained the express consent from the Invitees who you address referrals to.

Each qualified person you invite shall only make transfers from a credit card, debit card or bank account which is in their name.

Any obligation on you not to do something includes an obligation not to allow that thing to be done.

d. ADDITIONAL DOCUMENTS

Lemonade may require additional documents, including identification information, from you prior to giving any Referral Fee.

Lemonade shall not be in breach of this Agreement (nor have any obligation to pay you a Referral Fee) if you do not (in Lemonade’s sole and absolute discretion) provide the additional documents requested by Lemonade.

e. DATA PROTECTION

Lemonade does not collect nor retain any contact details nor personal data in regard to the persons to whom you send referrals unless and until those individuals make use of the Lemonade website, applications and services in accordance with our cookie policy and Privacy Policy.

f. WHAT WE CAN DO IF YOU ABUSE REFER A FRIEND PROGRAMS OR BREACH THIS AGREEMENT

If we suspect (in our sole and absolute discretion) that you have not used the Refer A Friend Program in good faith or have breached or acted inconsistently with the Agreement, we have the right to:

  • refuse to pay you the Referral Fee
  • suspend or terminate this Agreement, your participation in any Refer A Friend Program or your access to our Services under these Terms applicable and accepted by you.

You understand and agree that termination of your participation in the Refer A Friend Program (or your access to Lemonade’s Service) will result in the immediate forfeiture of all Referral Fees associated with you.

Lemonade will be the sole arbiter in cases of suspected abuse, fraud, or violation of its rules and any decision it makes relating to termination, suspension, or disabling of your participation in Refer A Friend Program terms and/or your forfeiture of any Referral Fee.

g. LIMITATION OF LIABILITY

Lemonade accepts no liability for any use of the Refer A Friend Program which does not comply with this Agreement.

You are liable if you breach this Agreement or applicable laws. In the event of loss, claims, costs or expenses (including reasonable legal fees) arising out of your breach of this Agreement, any applicable law or regulation and/or your use of our Services, you agree to defend, compensate us and our affiliates and hold us harmless. This provision will continue after our relationship ends.

You acknowledge that we may use the Referral Fee to offset any amounts you owe us.

h. CHANGES TO AND TERMINATION OF THE REFER A FRIEND PROGRAM

Lemonade reserves the right to, in our sole and absolute discretion:

  • amend, change, cancel or restrict the Refer A Friend Program at any time (for some or all users), or any Referral Fee at any time and for any reason without notice; and
  • terminate the Refer A Friend Program at any time, without notice.

In the event the Refer A Friend Program is terminated or if your access to our Services is terminated for any reason, Lemonade will not be obliged to credit you nor your Lemonade account regardless of whether you would otherwise have qualified for a Referral Fee.