Official Rules for the Prodigy Finance Refinance Referral Programme

By participating in the Prodigy Finance Refinance Referral Programme (the “Refi Referral Programme”), you agree to be bound by these official rules (these "Official Rules") and our privacy policy (published on our website at

The promoter of the Refinance Referral Programme is Prodigy Finance Ltd (incorporated in England with company number 05912562), with its registered address at Palladium House, 1-4 Argyll Street, London, W1F 7LD ("Prodigy Finance").

  1. Eligibility to participate in the Refi Referral Programme: The general public, aged 18 years and older, may sign up to participate in the Refi Referral Programme (“Referrers”). Current employees and agents of Prodigy Finance or any of its subsidiary or affiliated companies and their immediate families and members of their households and anyone otherwise connected with operation or fulfilment of the Refi Referral Programme may not participate in the Refi Referral Programme and shall not be eligible to receive a referral award.

  2. Referrals. To make a referral, Referrers must visit the “Refi Referral Programme” page at The Referrer may then enter their own email address to receive their unique link (“Referral Link”). The Referrer may then share their Referral Link with his/her friends, family members, colleagues or business acquaintances whom they believe would be interested in learning about or applying for a Prodigy Finance refinanced loan (each, a “Referee”). The Referee must click on the Referral Link, then complete the ‘Eligibility’ section (first step) of their Prodigy Finance refinance application within the same session for the referral to be valid. The referral link shall be valid for a period of one year from the date of the referral, where after it shall expire. The Referee must be resident in one of the following States to be eligible for a refinanced loan from Prodigy Finance: AK, CO, DC, FL, GA, IL, KY, MS, NE, NH, NM, NY, NC, OK, OR, PA, SC, TX, VA, WV, or WI.

  3. Referral Award. The referral award will be in the form of an gift card in the value of US$150 (“Award”). A maximum of two awards for the first two successful referrals made by a Referrer within the duration of the Refi Referral Programme. An Award shall only be made to a Referrer if one referral is successful. A second Award shall be made to a Referrer if a second referral is successful. A referral shall be successful if (1) Prodigy Finance approves a refinanced student loan in accordance with its credit models and procedures for a new Referee who applied for such student loan by using the referral link allocated to that Referrer and (2) disburses the loan funds. If two or more Referrers refer the same Referee to Prodigy Finance, which results in a successful referral, the Referrer whose referral link resulted in the Referee’s finalized and disbursed Prodigy Finance refinance loan shall receive the award. The Referrer shall not receive an Award for his/her own student loan with Prodigy Finance, nor a referral of an existing Prodigy Finance applicant or borrower, nor if the Referee does not use the referral link to apply. A maximum of 2 Awards shall be paid to a Referrer for the first two successful referrals for the duration of the Refi Referral Programme. The Award is non-exchangeable and non-transferable and cannot be substituted for cash. The Award shall be paid to the Referrer within 30 days of the successful referral, by sending an electronic gift card via email to the email address the Referrer has provided to Prodigy Finance. It is the responsibility of the Referrer to advise Prodigy Finance of any changes to his/her contact details. Any federal, state and local taxes and duties are the sole responsibility of the Referrer.

  4. Disclosure of information/privacy. Referrers' names and contact details will be collected, stored and shared by Prodigy Finance in accordance with applicable law and Prodigy Finance’s privacy policy (see as necessary to conduct the Refi Referral Programme.

  5. Limitation of liability: Except to the extent restricted in law, Prodigy Finance will not be liable or responsible for any direct or consequential damage, loss or injury resulting from the Refi Referral Programme or a Referrer’s acceptance and/or use of a Referral Award, or for technical, hardware or software failures, lost, faulty or unavailable network connections or difficulties of any kind that may limit or prohibit Prodigy Finance’s offering of or the Referrer’s ability to participate in the Refi Referral Programme. A referral does not guarantee that Prodigy Finance shall accept or approve a refinance loan application from a Referee and nothing in these Official Rules will oblige Prodigy Finance to approach a Referee to market or sell its product.

  6. Prohibited conduct: REFERRERS MAY ONLY MAKE REFERRALS TO PERSONAL CONTACTS; INDISCRIMINATE BULK UPLOADS (WHETHER MANUAL OR THROUGH THE USE OF AUTOMATED DEVICES OR THIRD PARTY SERVICES) OF EMAIL ADDRESSES ARE PROHIBITED. Referrer agrees that he/she will not publicly advertise Prodigy Finance’s products or name, solicit loan applications, request or accept any compensation from Referees or other parties to make referrals, collect any data or complete any application form on behalf of another individual, nor make any misleading or untruthful statements about Prodigy Finance, its business and its products. Any Referrer who acts with regard to the Refi Referral Programme in a manner, which in Prodigy Finance's reasonable determination is contrary to these Official Rules or by its nature is unjust to other Referrers or Referees (including without limitation tampering with the operation of the Refi Referral Programme; providing false or misleading information when making a referral; cheating; hacking; deception; annoying, abusing, threatening or harassing any other Referrers, Referees or Prodigy Finance and/or any of its agents or representatives; or any other unfair practices) may be rejected from the Refi Referral Programme at Prodigy Finance's sole discretion. Anyone who violates these Official Rules is ineligible for an Award.

  7. No correspondence: All Prodigy Finance's decisions in relation to the Refi Referral Programme are final and binding in all respects and are not subject to appeal. Should you have any questions on the Refi Referral Programme, please visit the Refi Referral Programme page ( for more information or email us at Prodigy Finance will not enter into any correspondence with Referrers in respect of the status or progress of referrals, as this relates to confidential information of Referees and our proprietary business practices.

  8. Independent Contractor: The Referrer agrees that he/she will participate in the Refi Referral Programme as an independent contractor and neither the Referrer nor Prodigy Finance intends to establish an employment relationship.

  9. Applicable Law: English Law (with the exception of principles of conflict of laws/choice of laws where applicable) will apply to the Refi Referral Programme and these Official Rules and the relevant courts of the United Kingdom will have exclusive jurisdiction in relation to any disputes relating to the Refi Referral Programme or these Official Rules. Where applicable, to the fullest extent permitted by law, any such dispute must be brought individually (NOT as part of a class action), with recovery being limited to one’s actual costs in conjunction with participation in the Refi Referral Programme (if any) with all damages or other forms of recovery being expressly waived.

  10. Right to terminate Refi Referral Programme or amend the Official Rules: Prodigy Finance reserves the right to modify, cancel, terminate or suspend the Refi Referral Programme in whole or in part, at any time at its sole discretion. Awards may be earned only on referred loans that have funded on or before the date of termination. Prodigy Finance may amend the Official Rules at any time by posting updated Rules to and/or emailing a copy of the updated Rules to Referrers. Subject to applicable law, any undeliverable Awards shall be forfeited when the Refi Referral Programme is terminated. 

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