Referral Program Terms

Last Updated: August 2017

PLEASE CAREFULLY REVIEW THESE REFERRAL PROGRAM TERMS AND CONDITIONS OF USE BEFORE USING THIS APPLICATION. ANY USE OF THIS APPLICATION CREATES A BINDING AGREEMENT TO COMPLY WITH THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS, YOU SHOULD QUIT THIS APPLICATION IMMEDIATELY AND REMOVE IT FROM YOUR DEVICE.

IMPORTANT TERMS, CONDITIONS AND DISCLOSURES

How

By referring family or friends to Joy, you can earn $7 for each Referred Joy Member that downloads and registers for the Joy app, opens a Joy Savings account, and maintains the Joy savings account in good standing for a minimum of 30 calendar days.

What Happens

For each qualified referral, please allow up to 60 days after the Referred Joy Member completion of requirements to receive push notification or email of a pending referral reward. Once claimed, a deposit of $7 will be made into your Joy Savings account. Joy account and savings account must be open, active, and in good standing to receive the bonus.

Fine Print

Each Joy Member and Referred Joy Member must have an active checking account from a US based banking institution with valid online credentials to fund Joy Savings account. To receive referral deposit(s), Referring Joy Member must have a Joy savings account in good standing. Each Referring Joy Member may only receive a maximum of $525 in referral bonus deposits in their lifetime. Once a reward push notification or email is sent, the recipient has 30 days to claim the referral award or it is forfeited. Joy members may login to the Joy app and tap on the “Claim Rewards” button to claim their referral awards. Offer only open to US residents. In certain circumstances, the $7 bonus may be reported as income to the IRS on a 1099-MISC. Offer may be withdrawn at any time and is subject to change. Offer currently open only to iOS users. Cannot be combined with any other offer.

Contacting Us

If you have questions regarding the Agreement or the practices of Payoff, please contact us by e-mail at humans@findjoy.com or by regular mail at:

Joy c/o Payoff, Inc.
ATTN: Joy 3200 Park Center Drive, STE 800
Costa Mesa, CA 92626