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Remitly's Referral Terms and Conditions

The following terms and conditions are effective as of 31 July 2019 (the "Referral Terms") between Remitly, U.K., Ltd
("Remitly", “we”, “us” or “our”), and you ("you" or "your"), the participant in the Remitly Referral
Program (the "Referral Program"). Participation in the Referral Program is subject to these Referral
Terms.

1. YOUR ACCEPTANCE OF THE REFERRAL TERMS

You accept and agree to these Referral Terms when you: acknowledge acceptance of the
electronic version of the Referral Terms as part of your acceptance of the Remitly User
Agreement; and/or when you participate in the Referral Program. If you do not agree to the terms
and conditions contained within the Referral Terms in their entirety, you are not authorised to
register as a “Referrer” or to participate in the Referral Program in any manner. You agree that we
may send you and any individual you refer communications regarding the Referral Program,
consistent with our Privacy Policy. We may update and/or vary these Referral Terms from time to
time and may also add additional terms and conditions for specific “Rewards” where necessary.
Your continued participation in the Referral Program after any such modification and notification
thereof shall constitute your consent to such modification. You should review these Referral Terms
periodically for any changes.

2. PARTICIPATION IN THE REFERRAL PROGRAM

As a participant in the Referral Program, you agree to use the Remitly service to promote the
Referral Program in the manner specified by these Referral Terms, thereby acting as the Referrer
("Referrer").
Referrers are required to register with the Remitly service. Additional information may be required
of the Referrer to establish the Referrer’s identity. You agree that the provision of such
information is a requirement of participation in the Referral Program and obtaining any Rewards
available.

3. PAYMENT AND QUALIFICATION FOR VALID REFERRALS AND REWARDS

The Referrer shall receive a reward ("Reward") once for each separate person the Referrer refers
to Remitly (a “Referee”) who meets all the following conditions ("Valid Referral"):

a. Referee and Referrer must reside in different households – you cannot refer yourself or
anyone with your same household address;

b. Referee validly registers with the Remitly service;

c. Referee accesses the Remitly service directly from Referrer's referral method (e.g., clicking
on the Referrer’s unique link) and completes the initial registration and initial money
transfer with Remitly through that link.

d. Referee successfully uses the the Remitly service to transfer money to a person other than
the Referrer in a manner that is compliant with our User Agreement; and

e. Referee's money transfer transaction is not canceled (either by Referee or by Remitly).

We may also apply additional restrictions on your ability to claim a Reward which will be notified to
you via these Referral Terms or via our services. The Reward may change from time to time at
Remitly’s discretion; however, Valid Referrals completed before the change of the Reward will be
honored.

Subsequent registrations and/or money transfers with Remitly by the Referee do not qualify as
Valid Referrals. Money transfers initiated by the Referee after his or her first successful money
transfer with Remitly, or to a Referee who is a previous user of Remitly’s service, do not qualify as
Valid Referrals. Remitly reserves the right to void any referral or payment of any Rewards that: (i)
appears to be fraudulent; (ii) appears to have been created as a result of a fraudulent transaction;
or (iii) that violates the terms of our User Agreement.

4. OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU

4.1 We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply
with these Referral Terms, we are responsible for loss or damage you suffer that is a foreseeable
result of our breaking these Referral Terms or our failure to use reasonable care and skill, but we
are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable
if either it is obvious that it will happen, or if, at the time our agreement is made, both we and you
knew it might happen. We are not responsible for any loss or damage you suffer which is a result
of you breaking these Referral Terms.

4.2 Exceptions to our limits on being liable to you. The limits on our liability to you under these
Referral Terms do not apply if you suffer loss as a result of:

a. death or personal injury caused by our acts or omissions (including our negligence); and/or

b. our gross negligence or fraud or fraudulent misrepresentation.

4.3 We are not liable for business and certain other losses. We only make available our Referral
Program to you for domestic and private use. If you use our Services for any commercial, business
or re-sale purpose neither we or our service providers (and each of their respective group
companies, officers, agents, partners, contractors and/or employees) will have any liability to you
for any loss of profit, loss of business, business interruption, or loss of business opportunity. We
are also not liable to you for any losses you suffer as a result of the issuer of any Reward
(including, without limitation, the issuer of a Reward Gift Card) failing to pay-out the Reward. As
mentioned above, we are not liable for any loss or damage that is not foreseeable.

4.4 We are not liable for actions we take to comply with laws or for Events Outside Our Control.
We will not be liable or responsible for any losses you may incur that were not our fault or were
because of any failure by us to perform (in part or full), or delay in the performance of, any of our
obligations under this Agreement that is caused by our compliance with any law or regulation
(including, without limitation, us seeking to comply with any anti-money laundering or counter
terrorism law or regulation) or an “Event Outside Our Control”.

4.5 Meaning of ‘Events Outside Our Control”. An “Event Outside Our Control” means any act or
event beyond our reasonable control, the consequences of which would have been unavoidable
despite all efforts to the contrary and include without limitation strikes, lock-outs or other industrial
action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack,
war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood,
earthquake, subsidence, epidemic or other natural disaster, or failure of public or private
telecommunications networks (including without limitation power failures, mobile network failures
and Internet disturbances). This would also include suspension of our services and/or the Referral
Program resulting from maintenance and upgrades to our systems or the systems of any party
used to provide our services and/or the Referral Program, outages on any phone network or in the
case of mobile networks where you are not in an area of mobile coverage.

5. DELIVERY OF REWARDS

Remitly will provide the Reward in the form of account service fee credit, or branded gift cards
(“Gift Cards”). Where the Referrer is given a choice as to the mode of Reward payment, that
selection shall be final. Where the Referrer is not eligible to receive a given payment method due
to their country or jurisdiction of origin, Reward payment shall be made in a manner selected by
Remitly at its sole discretion (acting reasonably). The Referral Program cannot be used for
commercial purposes. Remitly does not guarantee a delivery time on any Rewards earned.
Additional information may be collected from the Referrer prior to delivery of the Rewards.

6. MAKING A REFERRAL AND BULK DISTRIBUTION

If a Referrer provides a unique referral link to another person by email, the email must be created
and distributed in a personal manner that is appropriate and customary for communications with
friends, family members, or persons with whom the Referrer has a prior relationship. Before
entering any Referee email addresses and inviting them to participate in the Remitly Rewards
Program you must ensure that you have the permission of each Referee you recommend to be
contacted, after having provided each of them with our Privacy Policy. You must only send
referrals via this program to Referees who are 18 years of age or older. You also agree that we
may disclose to Referees your details and that you made the referral. Bulk email distribution,
distribution to strangers, or any other promotion of a unique referral link in a manner that would
constitute or appear to constitute unsolicited email or "spam" or other distribution of a unique
referral link through channels other than personal email, social media services (Facebook, Twitter,
Instagram, Pinterest, etc.) is expressly prohibited and will be grounds for immediate termination of
the Referrer’s Remitly profile and deactivation of the unique referral link. You may not provide us
with any sensitive personal data concerning the Referees.

7. OTHER IMPORTANT TERMS AND CONDITIONS

We reserve the right to amend or terminate the Referral Program at any time without notice.
Resolution of all questions or disputes regarding eligibility for the Referral Program, earnings of
Rewards, or your compliance with the terms and conditions of this Agreement shall be subject to
our reasonable interpretation.

We expressly reserve the right to close the Remitly profile or void the Rewards of any Referral and
Referee if either party attempts to use the Referral Program in a questionable manner or referral
link in breach of these Referral Terms, the Referrer and/or Referee has broken any terms of the
User Agreement (in a non-trivial way), or in violation of any law, statute or governmental
regulation. Users may not participate in the Referral Program where doing so would be prohibited

by any applicable law, statute or regulations. Rewards cannot be claimed or used by employees of
Remitly.

All information collected in the Referral Program shall be subject to our Privacy Policy.

The Remitly Rewards Program is provided and operated by Remitly U.K., Ltd. of Eighth Floor, Ten
Bishops Square, London E1 6EG with company number 09896841. Remitly is regulated by the
Financial Conduct Authority under the Payment Services Regulations 2009 (reference number:
728639) for the provision of payment services. We are also registered by the HMRC as a money
service business (with registration number 12861136 (00000)). These Referral Terms are governed
by English law.