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Refer a friend

The Program Works

The Inovayt “Refer a Friend ” program (“Program”) will be available from 12:00 AM on 20 July 2023 to 11:59 PM on 31 August 2023 AEST by each eligible referrer receiving a unique referral code (“Referral Code”) from Inovayt via email to share with potential Referred Customers. 

When a Referred Customer becomes a qualified customer using the Referral Code, the Referrer will receive a $200 Voucher.


  1. A Referral Is

A referral is a new customer [“Referred Customer”] defined as a friend or family member of a current Inovayt customer who does not at the time of referral have an active Inovayt account and has not had an active Inovayt account within the past and we have successfully lodged a home loan application to a lender from 12:00 AM on 20 July 2023 to 11:59 PM on 31 October 2023 AEST. This new customer [“Referred Customer”] must be referred from an existing Inovayt customer using their unique referral code only and will not be considered for this referral program through any other means of referral including email, phone call or text message.


  1. Rewards And Offers

When a Referred Customer becomes a qualified customer using the Referral Code, the Referrer will receive a $200 Voucher.


  1. Issuing Of Rewards And Offers

  2. The prize is not transferable or redeemable for cash.
  3. The referral gift (Coles Myer gift voucher or Westfield voucher) detailed in this scheme is a net payment. Inovayt is responsible for any taxes, as required by law, arising from the provision of the referral bonus.
  4. The referral gift will be issued eletronically within 30 calendar days upon successful referral via Referrer’s email address.
  5. In the event that Inovaytis, for any reason, is unable to procure the indicated gift, we reserve the right to substitute a gift of commensurate value subject to these same terms and conditions.
  6. For the avoidance of doubt, any reference to ‘$’ or ‘dollars’ refers to Australian dollars.

  1. Privacy

All personal information collected and processed as part of this Referral Program will be used in accordance with Inovayt’s Privacy Policy, available here. Under the applicable laws and regulations, Inovayt shall be responsible for collecting and processing such personal information. 


  1. General 

6.1. These Referral Terms are published by Inovayt (“we”’, “us” and “our”). Our Referral Program is displayed on our Website and these Terms form a binding agreement for both Referring Users (“you” or “your(s)”) and people who receive our referral invitation.

6.2. This Referral Program permits you to invite your contacts to participate in one or more Referral Program(s).

6.3. You may only invite personal friends, family members, acquaintances and colleagues to this Referral Program.


  1. Completed Referrals and Limit

7.1. A Completed Referral is when a Referring User refers this Program to one of its contacts. Subsequently, that contact will either sign-up, make a purchase or complete whatever action is determined as a referral above – which is not cancelled or disputed in accordance with Subsection 4. 

7.2. A limit to the number of referrals by Referring Users may apply. Or we may specify a maximum number of Completed Referrals who are eligible for the benefits of this Program.

7.3. All referred people must be new and first-time Users. Existing Users cannot participate in and benefit from the Referral Program.

7.4. You represent all personal information is 100% correct and up to date. We may monitor your use of the Referral Program or request your ID to verify your identity before issuing rewards. 


  1. Restrictions

8.1. This Program cannot be combined with other Inovayt’s referral programs, discounts, vouchers, benefits or incentives. By participating in this Referral Program, we may restrict you from any other promotion, program, discount, or vouchers.

8.2. You understand and agree that you must not use referral methods that are bothersome to the recipients. Moreover, your participation in the Referral Program must not violate the applicable law, including but not limited to anti-Spam legislation, which is mass distribution of unsolicited messages.

8.3. You must not publish our Referral Program on any sites or platforms that house any Adult Content, Alcohol, Tobacco, Gambling, Games and Online Casinos, Political Content, and any form of illegal activities. 

8.4. You must not at any time, invite or refer people who are unknown to you.

8.5. You must only use our Referral Program for personal use and refrain from its use for commercial purposes. 


  1. Term and Termination

9.1. This Referral Program will run until the announced date and that date can be extended or restricted. We may also in our sole discretion notify Users that the Referral Program has ended with immediate effect.

9.2. Any referral made before the end of the Referral Program can still participate. However we may exclude referrals in our sole discretion made after its termination date.

9.3. We may terminate this Referral Program at any time, including your participation or the availability of its benefits.


  1. Exclusive Relationship

10.1. You understand and agree that you are only the User of our services and/or products, and refrain from implying any other affiliation or legal relationship with us. 

10.2. You understand and agree that you are never authorized to legally bind our company. 

10.3. You must never create any materials that contain our branding, trademark, (part of) our corporate identity.

10.4. By participating in the Referral Program you must not represent yourself in duplicate, agent or intermediary of our company 


  1. Privacy and Information

11.1. You undertake to respect the privacy rights of the people you invite to our Referral Program and direct to our website. 

11.2. When referring other people, you must always inform them about the applicable terms and conditions and privacy policy. You must do so before they participate in the Referral Program, and leave their personal information.


  1. Amendments

We may amend the terms and conditions of our Referral Program. We may offer and/or restrict additional incentives, benefits and programs. As a result, additional terms may apply. You agree that you are aware of those amended and additional terms.


  1. Violations and Termination

13.1. In case we suspect any violations of these terms or otherwise tampering with, fraud or unreasonable use of our Referral Program, we may in our sole discretion cancel the distribution of any discount, benefit or payout. 

13.2. If you are a current or former employee, contractor or affiliate of our company, we may restrict your participation in the Referral Program, and we may restrict or cancel your participation with immediate effect. 

13.3. You must comply with all applicable laws and regulations, and refrain from violating any third party rights. These rights include any copyright, trademark or other proprietary rights.


  1. Disclaimer and Indemnification

14.1. We offer our Referral Program and its benefits only on an “as is” and “as available” basis. We may remove, change and update the Referral Program in our sole discretion. We will never make any promises or guarantees about the content and information of our Referral Program. We disclaim our responsibility for any information that is incorrect or has errors. 

14.2. Our Referral Program is based on our best efforts. You acknowledge and agree that we can never guarantee any benefit or result from participating in the Referral Program.

14.3. You will defend, indemnify and hold [Customer Name] harmless from and against all claims, damages, liabilities, losses, expenses and costs (including reasonable attorneys fees) arising out of your participation in the Referral Program.


  1. No Correspondence, Disputes And Refunds

With regards to the distribution of discounts, vouchers, incentives, prizes, awards or other benefits, no correspondence will be entered into. Moreover, we shall never respond to any complaint or accept any dispute about the Referral Program, and the abovementioned benefits. are provided “as is” and we never refund or exchange such benefits. 


  1. Applicable Law

The law of our residence shall apply and the court in that country is competent to hear any claim that may arise out of these terms.

Start your journey, contact Inovayt today

Start your journey, contact Inovayt today

Start your journey, contact Inovayt today

Start your journey, contact Inovayt today