Refer a Friend terms and conditions

1. Promoter. The Refer a Friend scheme is run by Tailored Life Solutions Ltd, Ciret, Fulflood Road, Havant, Hants, PO9 5AX. We are authorised and regulated by the Financial Conduct Authority (972791).
2. Who can refer. You must be an existing client of Tailored Life Solutions, aged 18 or over and living in the UK.
3. Qualifying referral. A referral qualifies when the person referred:
   • is aged 18 or over and lives in the UK;
   • is not already a client of ours and has not contacted us in the last 6 months;
   • is not you, or a joint policyholder on your policy;
   • takes out a new protection policy arranged by us, with a monthly premium of at least £20.
4. Referrer reward. You will receive a £100 Amazon voucher for each qualifying referral, once the referred person’s insurer has received 3 monthly premiums.
5. Referred person reward. The person you refer will receive a £50 Amazon voucher once their insurer has received 12 monthly premiums.
6. When rewards are not paid. No reward is due if the policy is cancelled, not taken up, lapses, or premiums are missed before the payments needed above have been made.
7. Limits. There is no limit on how many people you can refer. Only one referrer reward is paid per referred person, and only one referred person reward is paid per person, however many policies they take out.
8. How rewards are sent. Vouchers are sent by email within 30 days of qualifying, to the email address we hold for you. There is no cash alternative. Amazon is not a sponsor of this promotion, and Amazon gift card terms apply.
9. Your advice is not affected. The reward does not affect the advice we give. We will only recommend cover that meets the referred person’s needs, and they are under no obligation to take out a policy.
10. Consent. You must only refer people who have agreed to be contacted by us. How we use referral details is explained in our Customer Privacy Notice.
11. Changes. We may change or end the scheme at any time. Referrals made before a change or the end of the scheme will be honoured under the terms that applied when they were made.
12. Fair use. We may withhold a reward if we reasonably believe a referral is fraudulent or breaks these terms.
13. Law. These terms are governed by the law of England and Wales.