TERMS & CONDITIONS OF THE ACTIVITY "REFER A FRIEND" - REFERRER
1. Scope
1.1. "Snappi BANK S.A." (Krystalli 7A, Ioannina, 45444, VAT number: 801858330, G.E.MI no. 164679129000 hereinafter: "Snappi') in the context of promoting its products and services, organizes the "Refer a Friend" contest (the "Contest"), which is aimed at Snappi's existing customers. The Contest is governed by these terms (the "Contest Terms" or the "Terms") which are available on the website https://www.snappibank.com/el. Participation in the Contest is subject to the completion of the relevant participation form and acceptance of these Terms. Participation in the Contest implies acceptance of the Contest Terms.
1.2. Any Customer who meets the eligibility requirements set forth in these Terms and Conditions is entitled to participate in the Contest ("Participation Beneficiary ") in accordance with the Terms as they are posted on Snappi's website https://www.snappibank.com/el/refer-a-friend/ from time to time for the purpose of claiming the gift provided for (the "Gift").
1.3. The Contest is exclusively promotional in nature, does not entail the creation of any employment, project, mandate, representation, cooperation or provision of services of the Participation Beneficiary in Snappi and the Gift does not constitute remuneration or consideration for the provision of services by Snappi to the Participation Beneficiary.
2. Conditions of Participation
2.1. Eligible to participate in the Contest are Snappi's Customers, i.e. natural persons who have accepted the applicable General Terms of Transactions (the "GTT"), have an active deposit account with Snappi and a Snappi debit card (the "Participation Beneficiary" or "Referrer") and are not subject to any of the exclusion cases provided for in this clause 2.
2.2. The following persons are excluded from participation in the Contest and are not entitled to receive the Gift:
i. Snappi employees (regardless of form of employment).
ii. Snappi Customers with debt from financial products (such as "Cash Now", "Pay Later"), and in particular when the relevant debts are overdue and due for a period of more than one (1) month
2.3. Participation in the Contest is also subject to compliance with the applicable legislation and regulatory requirements and these Terms. Snappi reserves the right at any time and throughout the duration of the Contest to exclude, reject or not recognize entries in the event that the Customer/ Participation Beneficiary:
i. submit false or inaccurate entries;
ii. takes any unfair, abusive or fraudulent actions that affect the operation or integrity of the Contest;
iii. does not comply with these Terms;
iv. there are grounds for exclusion for reasons of regulatory compliance, fraud prevention, internal security controls, risk management,
v. belongs to a category of persons who are expressly excluded from participation in accordance with the Terms.
vi. is subject to legal or regulatory restrictions, penalties or measures imposed by competent authorities.
Snappi's relevant decisions are binding for the purposes of the Contest.
3. Participation and Successful Establishment Process
3.1. The Contest provides Participation Beneficiaries with the opportunity to invite third parties of their choice (the "Referree") in order to complete the actions provided for in these Terms and to become - if the relevant conditions are met - new customers of Snappi.
3.2. The Beneficiary of the Gift is the Participation Beneficiary, provided that the Referree within the Duration of the Contest, defined as from June 18, 2026 through August 31, 2026, registers using the relevant form via the hyperlink sent to them by the Participation Beneficiary as described below, by opening a Snappi account and making a purchase of at least 5 euros using a Snappi debit card.
3.4. In order for the Participation Beneficiary to take part in the Contest, they must fill in the information requested by Snappi in the relevant participation form, such as their name and email address.
3.5. Upon completion of the participation process, the Participation Beneficiary gains access to a personalized recommendation link (hyperlink) and/or to available options for sharing it, such as through messaging applications, e-mail, social media or by copying a link.
3.6. The Participation Beneficiary may communicate the personalized recommendation link (hyperlink) to third parties. The specific link must be sent by the Participation Beneficiary exclusively to persons with whom the Participation Beneficiary maintains a personal relationship and reasonably expects to wish or accept to receive the relevant communication.
3.7. The Beneficiary is obliged to have informed the Referrees in advance about the Contest and to refrain from any massive, indiscriminate, unsolicited or abusive communication (e.g. it is not allowed to send the link through automated means, mailing lists, publication in public forums or other forms of mass communication) as well as from any action that is contrary to the applicable legislation on the protection of personal data and electronic communications.
3.8. After the registration of their details, the Referree may receive information, by any appropriate means, including e-mail, about the required steps and actions they are obliged to take in order for the recommendation to be considered successful and eligible for the granting of the relevant Gift to the Participation Beneficiary.
3.9. If the Referree successfully completes the provisions of these Terms, the Gift will be paid to the Participation Beneficiary within 5 business days by credit to one of the bank accounts held with Snappi.
3.10. Snappi reserves the right to check the validity of each recommendation and not to recognize references that do not meet these terms. It is expressly clarified that Snappi reserves the right to reject applications for registration of Referrees or the conclusion of any further contract (e.g. Buy Now Pay Later), for any legal reason (e.g. if the Referree does not meet the requirements for registration as a new Customer or fails to provide the necessary documents). In this case, the Gift will not be awarded to the Participation Beneficiary for the specific Referree. In the event that the Referree registers with Snappi through a channel other than the hyperlink sent to him by the Participation Beneficiary, then it will not be possible to associate him with the Participation Beneficiary and the Contest and therefore no Gift will be awarded to the Participation Beneficiary for the specific Referree.
3.11. In case of simultaneous validity of several Tenders, each recommendation may be included and evaluated only in the context of one of them. The simultaneous participation of the same recommendation in more than one Contest is not allowed, nor is it allowed to receive multiple Gifts for the same recommendation.
4. Duration
4.1 The Duration of the Contest is as follows: from 18/06/2026 to 31/08/2026. Within the Duration, the Participation Beneficiary must have sent the Referree(s) the hyperlink for their registration. The Referree must have completed the necessary actions specified in clause 3.2.
4.2 Snappi reserves the right, but not the obligation, to change the Duration upon prior appropriate notice through its communication channels. The change in the Duration does not establish any right to compensation in favor of the participants.
4.3 An Referree who has already registered as a Snappi customer prior to the sending of the referral or outside the time limit set forth above or otherwise, other than the hyperlink sent to him by the Participation Beneficiary, does not make him a beneficiary of the Gift.
5. The Participation Beneficiary's Gift
5.1 For each Referree, who successfully completes the actions provided for in these Terms within the planned Duration, the Participation Beneficiary will be entitled to the amount of twenty euros (20€).
5.2 The award or payment of the Gift takes place within 5 business days from the completion of the required actions on behalf of the Referree. The Participation Beneficiary does not gain access to the Referree's personal data and will not receive any information about the progress or completion of the Participation. The Participation Beneficiary may only receive anonymized or aggregated information about successful referrals from which no it will be possible to identify a specific Referree.
5.3 The Gift is attributed exclusively to the Participation Beneficiary. Each Gift is personal and non-transferable.
5.4 The Participation Beneficiary expressly acknowledges and accepts that participation in the Contest and the sending of a personalized link to the Referree does not automatically imply the right to receive the Gift.
5.5 The maximum number of successful referrals and therefore Gifts that each Participation Beneficiary can receive is explicitly set at a thousand euros (1000€) for the Duration of the Contest. Recommendations or actions beyond the limit provided for in each case do not give rise to the right to receive an additional Gift.
5.6 Snappi shall not be liable for any delay or inability to deliver the Gift due to technical, operational or other objective reasons, including cases of delayed transaction processing, pending actions, rejected transactions or malfunction of third party systems or providers.
5.7 Any tax or other charges associated with the receipt of the Gift shall be borne by the respective Participation Beneficiary, unless otherwise provided by applicable law.
5.8 Snappi reserves the right not to award, suspend, revoke or refund the Gift, in the event that it is determined, at any time, that the relevant recommendation or participation:
i. was not completed correctly or on time,
ii. did not meet the conditions for validity, eligibility, or participation set forth in these Terms;
iii. resulting from abusive, fraudulent, artificial or unacceptable conduct;
iv. was rendered incorrectly due to a technical, operational or other error, or
v. is associated with a subsequent cancellation, reversal or non-finalization of an action or transaction that was taken into account for the performance of the Gift.
vi. regulatory compliance, fraud prevention or risk management considerations.
5.9 The Participation Beneficiary may send invitations in the context of the Contest which will entail a maximum of Gifts of a total value of €1,000 per calendar year. Upon completion of the above amount, the Participation Beneficiary will not be able to send new invitations and receive additional Gifts within the same calendar year.
6. Special Leaderboard Campaign
6.1 As part of the Contest, Snappi may organise a separate participant ranking campaign (the "leaderboard campaigns"), based on the number of valid and successfully completed referrals made by each Entry Beneficiary within the Term.
6.2 For the purposes of ranking, only valid and successfully completed referrals are taken into account, in accordance with these Terms and any specific terms of the respective leaderboard campaign.
6.3 Snappi will award the following additional Gifts to the 3 Participation Beneficiaries, who will have achieved the highest number of valid and successfully completed referrals within the shortest duration: [report of additional Gifts per ranking level] The award of the additional Gifts will be the same as the award of the main Gift.
6.4 In the event of a tie between two or more Participation Beneficiaries, the Participation Beneficiary who completed first, based on an exact recording time, the total number of valid and successfully completed recommendations taken into account for the formation of the relevant ranking takes precedence in the ranking. For this purpose, the time taken to record the last valid recommendation that led the participant to that set of valid recommendations shall be taken into account. If the tie still exists, the final order shall be determined on the basis of the time of recording of the immediately preceding valid recommendation and, if necessary, successively of the previous valid recommendations.
6.5 The ranking of Participation Beneficiaries and the selection of winners are made solely on the basis of the records, records and data maintained by Snappi and/or the third party technical support provider of the Leaderboard Campaign and constitute full proof for the purposes of the Contest.
6.6 Participation in a Leaderboard Campaign does not negate or modify the other restrictions, upper limits and conditions provided for in these Terms or in the specific terms of each campaign.
7. Personal Data
7.1 Snappi acts as the Data Controller for the personal data it processes in the context of the Contest and bears the responsibility provided for by applicable law. The Participation Beneficiary is solely responsible for the legality of any communication of the link to the Referree. Snappi is not responsible for any violations related to the actions of the Participation Beneficiary.
7.2 Snappi processes the personal data of Participation Beneficiaries in accordance with the Privacy Policy posted on Snappi's website https://www.snappibank.com/el/snappi-newsletter-data-protection-el/
7.3 This section contains information on the collection of personal data and their processing for the needs of the Contest in order to enable the awarding of the Gift. Please also refer to the Privacy Policy, which is posted on the Snappi website and which applies in addition to these terms.
7.4 Snappi processes the data you have provided when submitting the Contest participation form, for purposes 1. your guidance for your participation in the Contest and the information and communication within the framework of the Contest (Legal basis for processing: performance of a contract) 2. the prevention of abuse, fraudulent behaviour or violation of the terms of the Contest (e.g. self-referrals, multiple accounts) (Legal basis for processing: legitimate interest) and 3. the management, support and improvement of the Contest and the related services (Legal basis for processing: legitimate interest).
7.5 The ranking of participants is based solely on objective criteria (number and time of successful referrals) and does not imply automated decision-making with legal or significant effects for participants within the meaning of Article 22 of the GDPR.
7.6 Recipients of your data will be only Snappi's authorized partners, who assist in the implementation of the Contest (e.g. cloud hosting provider, marketing provider, social media manager, etc.). The processing of your personal data will be done exclusively for the purpose of executing and implementing the Contest and guiding you to obtain the Gift. Snappi takes all appropriate technical and organizational measures, as set out in applicable law, to ensure an appropriate level of protection for participants' personal data.
7.7 The personal data collected in the context of the Contest are kept for the period necessary for the completion of the Contest and the fulfilment of the relevant legal obligations of Snappi, and in any event not longer than 12 months from the end of the Contest, unless otherwise required by applicable law or for as long as required for the establishment; exercising or supporting legal claims.
7.8 Each Participation Beneficiary has the right of access, information, correction, objection to the further processing of their personal data, as provided for in the General Data Protection Regulation (EU Regulation 2016/679 and Law 4624/2019) as well as the right to appeal to the competent supervisory authority (https://www.dpa.gr/). To exercise their rights, each Participation Beneficiary may contact Snappi at dpo@snappibank.com contact details.
8. Other Terms
8.1 Snappi is not responsible in any way for disruptions in the network, hardware and software of the Participation Beneficiary and/or for malfunction of the website, the application and/or the relevant technical systems of any nature that may lead to limited, delayed or lost registration of the Participation.
8.2 In the event that any term is found to be invalid, such partial invalidity does not result in the invalidity of all the Terms.
8.3 The Contest is exclusively promotional and does not constitute a proposal or recommendation or advice for the conclusion of any banking or financial service.
8.4 Snappi reserves the right to unilaterally change these terms, to shorten or extend the Duration of the Contest or to revoke it by prior notice by any appropriate means, to replace the Gift with others at its discretion and in general to modify each term of the Contest by announcement through the website https://www.snappibank.com. The Terms of the Contest, as in force from time to time, are governed by Greek Law. For any dispute that may arise as to the interpretation or application of the above Terms, the Courts of Athens (Central Headquarters) shall have joint jurisdiction with the other courts competent in accordance with the law.
