1. The Promoter

The Promoter, The Insolvency Group Ltd, is incorporated and registered in the UK, company registration No. 12559281. The registered office is Initial Business Centre Wilson Park, Monsall Road, Manchester, England, M40 8WN.

2. The Promotion

a. The Promotion is named “Refer a Friend.”
b. Where an existing client of The Insolvency Group refers a person to the Promoter regarding an Individual Voluntary Arrangement (IVA), the client (referrer) will receive a £200 voucher where, following the referral, the referee:
> completes an advice call
> becomes a verified client of The Insolvency Group
This Promotion will not be available to the client unless both conditions above are complied with.

3. How to enter

The Promotion will run from 09:00 on 15/12/21 (the “Opening Date”) to 23:59 on 31/12/22 (the “Closing Date”) inclusive.
The Promoter reserves the right to withdraw this promotion at any time, without notice.

3.1 To enter the Promotion:
a. All clients of the Promoter will be sent an email including a Unique LINK for the client to share with family or friends.
b. The client (referrer) is to share the Unique LINK with the person they are referring (referee) via email, social media or SMS.
c. Eligibility for a voucher is only for existing clients of the Promoter, who have shared the link with a referee meeting the criteria above. A referee, or any other person clicking the unique link, will not be eligible for a voucher.
d. The voucher is non-transferable or refundable, and there is no cash alternative.
e. The referee gives consent to be contacted by The Insolvency Group and/or its business partners by clicking on the link sent by their referrer and entering their details for help with their debts.
f. The client has no obligation to make any referrals under this Promotion. The referee has no obligation to contact the Promoter or to enter a debt solution with the Promoter.
g. There are no charges for this Promotion to any client or Referee.

3.2 The Promoter will not accept:
a. as confirmation of receipt of entry in this Promotion, proof of transmission.
b. responsibility for promotion entries that are lost, damaged, mislaid or delayed in transit, regardless of cause. This includes, but is not limited to:
c. any loss or delay resulting from postal failure
d. satellite, network or server failure
e. any equipment, system failure or technical malfunction
f  computer hardware or software failure of any kind

By submitting a promotion entry, you agree to be bound by these terms and conditions. For help with entries, please contact the consumer helpline on 0161 543 2310.

4. Eligibility

4.1 The Promotion is only open to clients of the Promotor who are UK residents, 18 years or over except:
a. The Promoters employees, or its holding or subsidiary companies;
b. Any supplier of goods or services in connection with this Promotion; or
c. Any member, partner, agent, director of, or consultant of the Promoter;
d. The Promoters agents or suppliers employees, or its holding or subsidiary companies, that are professionally connected with the Promotion or its administration; or
e. Any other person who directly or indirectly controls the Promoter; or
f. immediate family members or household members of any of (a) to (e) above.

4.2 By entering the Promotion, you are agreeing to these terms and confirming that you meet the eligibility criteria to enter and claim any promotion you may be entitled to. You may be required to prove your eligibility to enter the Promotion.

4.3 The Promoter will not accept promotion entries that are:
a Completed in bulk or by third parties;
b. Automatically computer-generated;
c. Forged, altered in any way, reconstructed, tampered with or are illegible; or
d. Completed on behalf of another person or submitted jointly: or
e. Incomplete.
4.4 There is no limit on the number of referrals a client may make regarding this Promotion.
4.5 If your conduct is contrary to the intention or spirit of this Promotion, the Promoter reserves all rights to disqualify you from this and any future promotions.

5. Claiming the Promotion

5.1 As soon as practicable after determining they are entitled to a voucher, the Promoter will contact the redeemer of the Promotion personally using the email address or telephone number held on record for the client.
5.2 A third party may not claim the Promotion on your behalf
5.3 Should you be entitled to a voucher, the Promoter will make all reasonable efforts to contact you. If unsuccessful following reasonable attempts to contact you, the Promoter reserves the right not to issue any voucher.
5.4 The Promoter accepts no responsibility if you are unable to take up this Promotion.

6. Limitation of liability

6.1 In any circumstances, insofar as is permitted by law, the Promoter, its agents or distributors will not be responsible or liable to compensate any participant or accept any liability for any loss, personal injury, damage or death that may occur as a result of entering this Promotion, except where it is caused by the Promoters negligence, the negligence of its agents or distributors or that of their employees. Your statutory rights are not affected.
6.2 The Promoter and its associated agencies and companies will not be liable for any loss (including, without limitation, indirect, special or consequential loss or loss of profits), expense, damage or disappointment which is suffered or sustained (whether or not arising from any person’s negligence) in connection with this Promotion, except for any liability which cannot be excluded by law (including personal injury, death and fraud) in which case that liability is limited to the maximum extent permitted by law

7. Data protection and publicity

7.1 The Promoter will only process your personal information as set out in our Privacy Policy which can be located here: https://www.theinsolvencygroup.co.uk/privacy-policy/

8. General

8.1 The Promoter may, at its sole discretion, reserve the right to exclude you from participating in this Promotion if there is any indication or reason to believe there has been a breach of these terms and conditions.
8.2 The Promoter reserves the right to void, hold, cancel, suspend or amend this Promotion where it is deemed necessary to do so.
8.3 These terms and conditions are governed by English law, and the parties submit to the non-exclusive jurisdiction of the courts of England and Wales.