Referral Program

Signature Capital rewards individuals and businesses who refer eligible borrowers that successfully complete an application and receive a disbursed facility. These terms outline how the referral program works, who qualifies, and how rewards are calculated and paid.

1. How the Referral Program Works

Participation is straightforward:

• You refer a prospective borrower to Signature Capital by directing them to our website, sharing your referral link, or introducing them through an approved channel.
• The referred individual or business submits a loan application and identifies you as the referrer.
• Signature Capital assesses and approves the application through its standard underwriting process.
• Upon successful disbursement of the facility, you become eligible for a referral reward.

2. Eligibility to Participate

To participate as a referrer, you must:

• Be at least 18 years of age or an authorised representative of a registered business.
• Not be an employee, director, or immediate family member of an employee or director of Signature Capital.
• Not refer yourself (i.e., you must refer a different individual or entity).
• Provide accurate identification and payment details for reward disbursement.

3. Referral Reward

The referral reward is calculated as a percentage of the net income earned by Signature Capital from the referred facility, subject to the terms of the individual referral agreement. The exact percentage and payment terms will be communicated to you in writing before or at the time of the referral arrangement.

Rewards are payable only when:

• The referred borrower has been fully onboarded and has received facility disbursement.
• The referred borrower's account remains in good standing for the minimum holding period specified in the referral agreement.
• The referral was not obtained through misleading, fraudulent, or coercive means.

4. Payment of Rewards

Referral rewards are paid via M-Pesa, bank transfer, or another approved payment method within 30 days of meeting all eligibility criteria. Signature Capital reserves the right to withhold or deduct rewards in cases of suspected fraud, misrepresentation, or breach of these terms.

5. Anti-Fraud Provisions

The following conduct will result in immediate disqualification:

• Referring individuals who are not genuine prospective borrowers.
• Using misleading, deceptive, or high-pressure tactics to generate referrals.
• Colluding with a referred borrower to inflate loan amounts or misrepresent information.
• Submitting false referral claims or fabricating referral relationships.

Signature Capital reserves the right to recover any rewards paid as a result of fraudulent referrals and to take legal action where appropriate.

6. Termination

Signature Capital may suspend or terminate the referral program, or your participation in it, at any time by providing written notice. Any pending rewards for valid referrals already completed will be honoured, but no new referral claims will be accepted after the effective date of termination.

7. Limitation of Liability

Signature Capital is not responsible for the accuracy of referral information you provide, nor for any disputes between you and a referred borrower. Rewards are not guaranteed and are subject to the borrower's successful disbursement and account standing.

8. Changes to These Terms

We may update these Referral Program terms from time to time. The current terms will always be available on this page. Continued participation after changes are posted constitutes acceptance of the updated terms.

9. Contact

For questions about the Referral Program, please contact us at info@signaturecapital.co.ke or visit our contact page.