Terms of Use : Invite programme


These Terms of use (the “Terms”) govern participation in the Transfer Galaxy Invite programme (the “Invite Programme”).

The Invite Programme is sponsored, promoted and administered by Transfer Galaxy AB, reg. no. 556978-4464, with registered office at Osmundgatan 12, 703 83 Örebro, Sweden and incorporated under the laws of Sweden ("Transfer Galaxy”), a digital-first money transfer service that enables customers to send money to their loved ones from a laptop, tablet or smartphone.

By participating in the Invite Programme, you confirm that you accept these Terms and agree to comply with them. Read the Terms carefully and contact us if you have any questions.

1.  Participation in the Invite Programme 

You must be a customer of Transfer Galaxy to be eligible for the Invite Programme. You can participate in the Invite Programme by sharing a unique invite link provided by Transfer Galaxy (the “Invite Link”), thereby acting as the Inviter.

The Invite Link can be shared with your friends, family members or persons with whom you have a prior relationship (the “Friend”) in a manner that is appropriate and customary for personal communications. You must ensure that you have the Friend’s consent to send them the Invite Link.

2.  Discount

A discount on a transfer (the “Discount”) is a discount issued by Transfer Galaxy to the Inviter and the Friend in accordance with Section 3 that can be added to a transfer of a minimum set amount as specified in Section 4.

The Inviter can qualify for a maximum of ten (10) Discounts. The Friend can only qualify for one Discount. This does not preclude the Friend from choosing to participate in the Invite Programme to qualify for Discounts as the Inviter.

The Discount value is SEK 250 (or equivalent in DKK/GBP/EUR/NOK). The Discount is non-transferable and is valid for twelve (12) months from the date on which it was made available within the Service (as defined in our General Terms and Conditions).

3.  Qualification for the Discount

The Inviter can qualify for the Discount once for each Friend if the following conditions are fulfilled:

  • the Friend completes registration with Transfer Galaxy by following the Invite Link; and

  • the Friend makes a successful transfer of a minimum of SEK 500 (or equivalent in DKK/GBP/EUR/NOK) within twelve (12) months from the date on which the Friend completed registration.

The Friend can qualify for the Discount after they have completed registration with Transfer Galaxy by following the Invite Link.

For the avoidance of doubt, the Friend must access the Transfer Galaxy service and complete registration directly from the Invite Link. The registration is deemed completed once the Friend’s identity is verified by Transfer Galaxy.

The transfer is considered successful if the amount sent by the Friend (i) has been credited to the recipient's mobile wallet or bank account, or (ii) has been picked up by the recipient at a cash pick up point and (iii) has not been rejected or refunded to the Inviter’s payment method.

4.  Redemption of the Discount

The Inviter and the Friend can only add one Discount per transfer of a minimum set amount specified below.

The Inviter can add the Discount to a transfer of a minimum of SEK 1,000 (or equivalent in DKK/GBP/EUR/NOK). The Friend can add the Discount to a transfer of a minimum of SEK 500 (or equivalent in DKK/GBP/EUR/NOK).

All transfers made under the Invite Programme are subject to fees and charges as set out in our General Terms and Conditions.

5.  Prohibited uses

You may only use the Invite Programme in good faith and for lawful purposes. You may not:

  • invite an existing customer of Transfer Galaxy;

  • invite yourself by creating duplicate accounts;

  • invite others that have created duplicate accounts;

  • invite fictitious persons;

  • make transfers to yourself or the Friend or encourage the Friend to make transfers to you;

  • make transfers that are not genuine;

  • invite persons that have no real intention in using our service and register with the sole purpose to qualify for the Discount;

  • transmit any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam);

  • transmit any advertising via pay-per-click or other paid or automated lead generation services or engage in any other similar activity, including activity that can damage the Transfer Galaxy brand, goodwill or reputation; or

  • use the Invite Programme in: (i) any way that breaches any applicable local, national or international law or regulation; (ii) any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect; or (iii) in any way that contravenes our General Terms and Conditions.

6.  Abuse of the Invite Programme

Transfer Galaxy has the right to refuse to issue the Discount or suspend the Invite Programme without notice if Transfer Galaxy suspects, as determined in its sole discretion, that you or the Friend have not used the Invite Programme in good faith or have breached these Terms. Transfer Galaxy can further take such actions as deemed appropriate, including (but not limited to) suspending or restricting your account(s) or terminating our agreement pursuant to our General Terms and Conditions.

7.  Data protection

Transfer Galaxy will process your personal data as a data controller to facilitate your participation in the Invite Programme and to comply with our legal obligations arising in connection with the Invite Programme. For detailed information on our processing of personal data, please see our Privacy policy or contact our customer support team. 

8.  Limitation of liability

Transfer Galaxy accepts no responsibility for any loss or damage incurred or suffered by you as a result of participating in the Invite Programme or using the Discount, including (but not limited to) any loss resulting from the following:

  • any suspension or cancellation of the Invite Programme, or any delay in informing you of your right to the Discount;

  • any alteration, unauthorised access, damage, late delivery or non-delivery of any notices, acceptances, requests or other documents related to the Invite Programme; or

  • any act or default of any third-party supplier.

Any and all taxes and fees imposed on the Inviter due to participating in the Invite Programme will be solely the Inviter’s responsibility. Transfer Galaxy will not reimburse costs related to tax claims or other costs incurred by the Inviter due to his/her participation. In case Transfer Galaxy would be liable to pay any taxes or fees related to the Inviters participation in the Invite Programme, the Inviter should indemnify Transfer Galaxy for any and all such taxes or fees.

9.  Changes to the Invite Programme

Transfer Galaxy reserves the right to:

  • change the Terms at any time without notice; and

  • terminate the Invite Programme at any time without notice. After the Invite Programme is terminated, Transfer Galaxy will not be obliged to issue any Discounts.

10.  Governing law

These Terms shall be governed by Swedish law (unless mandatory law in favour of the Inviter applies).


 30 November 2021, Örebro, Sweden (version 1.0)