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As part of 91��Ƶ������վ’s Invoicing Referral Program and Promotional Offer (“Terms”), a referral link will be embedded within each invoice sent to eligible payors (“Payor”) by a Referring User. By clicking on the referral link, Payor agrees to 91��Ƶ������վ’s Privacy and Security Policy and will be directed to an onboarding page where they may complete the process of opening a 91��Ƶ������վ business checking account (“Account”) with 91��Ƶ������վ. or its affiliates (collectively “91��Ƶ������վ”). This promotional offer is conditional on your acceptance of and compliance with the following Terms:

Capitalized terms in this Agreement have the meanings given in 91��Ƶ������վ’s 'Referral Agreement,' unless defined otherwise herein.

1. Payor Eligibility
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To be eligible for the Invoicing Referral Program, Payor must:

• Not have an existing 91��Ƶ������վ Account or have previously held one.
• Use the same email address associated with the invoice Payor received during the Account opening process.

2. Qualifying Steps
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To qualify for the promotional bonus, Payor must:

• Open a new 91��Ƶ������վ business checking account using the email address linked to the invoice.
• Ensure that the Account is opened within the validity period referenced in the offer language and meets 91��Ƶ������վ’s eligibility criteria (subject to 91��Ƶ������վ’s final determination and acceptance).
• Deposit a minimum of $100 into the Account within 30 days of the Account Opening Date.
• Maintain an average balance of $100 or more for at least 30 consecutive days after the initial deposit.

For detailed eligibility criteria and restrictions, please refer to our blog page & Referral Program.

3. Promotional Bonus
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Once the Payor fulfills all eligibility requirements, a one-time promotional bonus, as specified in the Invoicing Referral Program offer, will be credited to Payor’s new 91��Ƶ������վ Account.

• The bonus will be credited within 30 days of taking the qualifying steps and meeting the eligibility criteria.
• Bonuses may be reported as interest income and could be subject to tax, which may require issuance of IRS Form 1099-INT (or Form 1042-S, if applicable).

4. Program Limitations
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• Each Payor may only use the email address associated with the invoice Payor received to Open an Account. Multiple invoices do not entitle Payor to additional bonuses. 
• If the Payor does not meet the necessary qualifications and criteria within the required timeframe, the promotional bonus will not be awarded.
• The award of the promotional bonus is at 91��Ƶ������վ’s sole discretion and is final.

5. Additional Information
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• 91��Ƶ������վ reserves the right to modify or withdraw the Referral Program and its Terms at any time without prior notice.
• 91��Ƶ������վ reserves the right to revoke the promotional bonus and disqualify any Payor from participation if the Account activity is determined to be abusive, fraudulent, or in violation of these Terms or 91��Ƶ������վ’s Terms of Use.
• Employees of 91��Ƶ������վ and its subsidiaries and affiliates are not eligible for this offer.
• 91��Ƶ������վ is a fintech company and not a bank. Banking services are provided by Middlesex Federal Savings F.A., Member FDIC.

91��Ƶ������վ Accounts are subject to our Terms of Use, Privacy and Security Policy, and the E-sign and Electronic Communications Agreement.