1. Eligibility: The £50 reward is available to clients who refer a friend, family member, or colleague to Ingrid Cairns & Associates Ltd.

  2. Qualifying Referral: A referral is considered valid when the referred individual completes a mortgage or insurance policy with Ingrid Cairns & Associates Ltd.

  3. Payment of Reward: The £50 reward will be issued once the referred mortgage or insurance policy is successfully completed and fully paid for, subject to our verification.

  4. Timing of Reward: The referral reward will be paid within 30 days of policy completion, and it will be delivered via the method agreed (bank transfer, voucher, or other).

  5. Referral Criteria: To qualify for the £50 reward, the referral must be a new client who has not previously contacted Ingrid Cairns & Associates Ltd for mortgage or insurance services.

  6. Offer Expiry: This offer is valid for referrals made until [insert expiry date]. Any referrals received after this date will not qualify for the reward.

  7. Exclusions: The offer is not valid for clients already engaged with Ingrid Cairns & Associates Ltd. The reward is only applicable to fully completed mortgage and insurance policies.

  8. Referrer Verification: To claim the reward, the referring client must have provided the details of the referral during the initial consultation or before the referred client completes their application.

  9. Non-Transferable: The £50 referral reward is non-transferable and cannot be substituted for other products or services.

  10. Compliance: We comply with all relevant regulatory guidelines and ensure that this referral scheme is conducted ethically and transparently, in line with our Financial Promotions Policy.

For further details or to make a referral, please get in touch with us directly via phone or email!