2. The referral amount detailed in this scheme is a gross payment. The referee is responsible for any taxes, as required by law, arising from the provision of the referral bonus.

3. The referee is eligible to receive £50 subject to successful completion of business with your referral.

4. Standalone home insurance referrals are not eligible under this scheme.

5. The referee will be paid £50 upon completion of the case.

6. It is the referee’s responsibility to contact their Account Manager at Tree of Life Mortgages in order to claim their referral payment which will be paid into your bank account within 14 days of the request date subject to the mortgage having completed.

7. In the event that Tree of Life Mortgages is (for whatever reason) unable to procure the indicated incentive, then you will receive a substitute of commensurate value subject to these same terms and conditions.

8. The referee will not be eligible to receive the referral payment under this scheme in the event that the referred person is already on the Tree of Life Mortgages database at the date of referral or if Tree of Life Mortgages have already received their details but have not yet entered them on the database.

9. The referred person must be notified and have consented to their details being passed to Tree of Life Mortgages for this scheme before the date of the referral. This is the responsibility of the referee and is subject to the Data Protection Act 2018. The referee will indemnify Tree of Life Mortgages for any loss or claim arising out of the referee’s failure to procure such consent.

10. Customers can only be referred to Tree of Life Mortgages once. In the event that a customer is referred to Tree of Life Mortgages more than once, only the first person to refer that customer to Tree of Life Mortgages (with the referred person’s permission) will be eligible for a referral payment under this scheme.

11. Permanent employees and contract and temporary workers working directly for Tree of Life Mortgages are not eligible to participate in the referral scheme.

12. The referral scheme is available until further notice and can be withdrawn at any time.