REFER A FRIEND

Zoom Travel Insurance operates incentive programs aimed at engaging with customers who have purchased products from Zoom (herein after referred to as "Customers" or "you" or "your"), including the program known as the "Refer A Friend" program (the "RAF Program") which is explained below. These Terms and Conditions (the "Terms"), as updated from time to time by Zoom, are intended to govern the RAF Program. Participation in the RAF Program is subject to these Terms.

ELIGIBILITY & PARTICIPATION

To participate in the RAF Program, you must have purchased an eligible product from Zoom during the period which the RAF Program is active (as indicated on the Zoom website at the time you make a purchase). You must either have received an invitation by email from Zoom or have responded to an offer on the Zoom website to share in the RAF Program. While an invitation to participate in the RAF Program will ordinarily be sent to you in your policy confirmation email, Zoom may choose to send such invitation to you via any other method it deems appropriate. If any time you do not wish to participate in the RAF Program, or you do not wish to receive any invitations from Zoom relating to the RAF Program, please notify Zoom at [email protected] that you wish to unsubscribe from the RAF program.

HOW RAF WORKS

You acknowledge and agree that the nature of the RAF Program is as follows:
 

1. Where Zoom invites you to participate in the RAF Program, Zoom will provide you with a unique hyperlink (the "Promotional Link") which links to Zoom’s website and which enables Zoom to monitor and record purchases of any products or services supplied by Zoom via the Promotional Link.
2. You can choose to send the Promotional Link by email or via social media to as many friends or family members as you like. In doing so, you must ensure that each friend has consented to receiving the Promotional Link.
3. Friends and family members who receive the Promotional Link will be required to enter their email address on the Zoom website to prove they are a first time customer. 
4. When your friend or family member, who has not previously been a Customer of Zoom, chooses to make a purchase of a Standard or Comprehensive policy using the Promotional Link, they will receive a 10% discount on that policy.
5. Zoom is free to determine whether purchases via the Promotional Link have been "successful" and may, from time to time, limit the range of products and/or services which it offers that are eligible to be considered for the RAF Program.

FURTHER CONDITIONS

In participating in the RAF Program, you acknowledge and agree as follows:
 

1. you are at least 18 years old;
2. you must obtain informed consent from your friend prior to providing them with the Promotional Link;
3. Zoom is entitled to disregard any purchases via the Promotional Link made or suspected to be made by:
   1. yourself,
   2. a person residing at your same usual address of residence or by a third party on your behalf, or
   3. a person who shares an email address with you;
   4. a person who shares uses the same credit card name as you
4. Zoom is also entitled to disregard any purchases via the Promotional Link made by a person who, prior to using the Promotional Link, had:
   1. purchased a Zoom product or service or
   2. been listed or nominated as a beneficiary of any policy of insurance supplied by Zoom;
5. Zoom is entitled to disregard any purchases via the Promotional Link if within 14 days of that purchase the relevant purchaser has requested a refund on that purchase and/or has otherwise terminated their purchase for whatever reason;
6. any person who is associated with Zoom (including a director, employee, agent, consultant or adviser and the family and friends of any such individuals) may not participate in the RAF Program;
7. you will follow any instructions or directions provided by Zoom in relation to the RAF Program;
8. Zoom only awards 10% off for the first successful purchase processed via the Promotional Link and does not award any additional discounts for any further purchases processed via that same Promotional Link;
9. you must abide by all other terms and conditions pertaining to the use of such discount. (it is your responsibility to ensure you are familiar with those terms and conditions).

DISCLAIMER

You acknowledge that you will read and accept these Terms prior to your participation in the RAF Program.

You acknowledge that Zoom operates the RAF Program as a promotional program on an "as is" basis with no further guarantees or warranties to you unless expressly indicated in these Terms.

You acknowledge that Zoom has no obligation whatsoever to ensure that the RAF Program is available to you and that Zoom may modify or discontinue the RAF Program at any time without notice to you.

You acknowledge that the RAF Program is operated by Zoom in accordance with Zoom’s privacy policy.

Zoom reserves the right to change or terminate the Refer a friend program at any time.

The Refer a Friend Programme is conducted by Zoom Travel Insurance, a Registered Business name of the Insurance Geeks Pty Ltd ABN 35 612 507 785.