Hejaz Referral Program – Terms & Conditions

1. Introduction

1.1 The Hejaz Referral Program ("Program") is offered by Hejaz Financial Services ("Hejaz", "we", "us", "our") to reward existing and new customers who refer family and friends to our Superannuation and Home Loan products.

1.2 By participating in this Program, both referrers (existing Hejaz customers) and referees (new customers) agree to these Terms and Conditions ("Terms").

1.3 Before applying for a Hejaz product, referees should carefully read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to ensure the product is suitable for their financial needs. These documents are available at www.hejazfs.com.au

1.4 Hejaz reserves the right to verify the eligibility of all participants before issuing any referral rewards.

2. Eligibility

2.1 Referred individuals ("Referees") must:

  • Be new customers who have never held a Hejaz product and do not exist in the Hejaz database.
  • Sign up using an approved referral link provided by the Referrer.
  • Meet the eligibility requirements for one of the following products:
    • Superannuation: A minimum balance of $10,000.
    • Home Loan: A minimum loan amount of $250,000.
  • Complete all required onboarding, verification, and compliance checks.
  • Not cancel, refund, or dispute the transaction.

2.3 Employees of Hejaz and their immediate family members are not eligible to participate.

3. How the Program Works

3.1 Referrers will receive a personalised referral link through Referral Factory. This link can be shared directly with family and friends.

3.2 When a Referee signs up using the referral link and meets the product eligibility criteria, both the Referrer and the Referee will qualify for the reward.

3.3 If a Referee is found to be already in the Hejaz database, the referral will not be counted, and no reward will be issued.

3.4 There is no limit on the number of successful referrals a Referrer can make.

4. Rewards and Issuance

4.1 Referral Rewards

4.1.1 Both the Referrer and the Referee will receive a $100 AUD Visa card, issued via Tremendous, upon successful sign-up and meeting eligibility criteria.

4.1.2 Rewards will be processed within 28 business days after the eligibility confirmation.

4.1.3 The Visa card will be sent electronically and can be used for online purchases.

4.1.4 Hejaz reserves the right to withhold rewards if fraudulent activity or abuse of the Program is detected.

5. Restrictions & Exclusions

5.1 The referral must be genuine. Any attempt to refer fake accounts, self-referrals, or non-eligible individuals will result in disqualification from the Program.

5.2 Referrals made to individuals who are already in the Hejaz database, including existing customers or prior applicants, will not qualify.

5.3 Rewards cannot be transferred, exchanged, or redeemed for cash.

5.4 This Program cannot be combined with any other promotional offers or incentives from Hejaz.

5.5 Hejaz may modify or terminate the Program at any time with 30 days' notice.

6. Privacy & Data Protection

6.1 Personal information collected for the purpose of this Program will be handled in accordance with Hejaz’s Privacy Policy and Australian Privacy Laws (Privacy Act 1988).

6.2 All referral activity will be tracked using Referral Factory, and no personal information will be shared with third parties, except as required to administer the Program.

6.3 By participating, both Referrers and Referees consent to Hejaz collecting and processing their personal data for Program verification and reward issuance.

7. Financial Disclaimer

7.1 Superannuation and home loans are significant financial decisions. Before applying, all potential customers (Referees) must:

  • Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to determine if the product is suitable for their needs.
  • Seek independent financial advice if unsure about the suitability of Hejaz products.

7.2 Hejaz makes no guarantees regarding the financial performance of its products. Customers are responsible for understanding all product terms before signing up.

8. Program Term & Changes

8.1 The Program is ongoing indefinitely but may be modified, suspended, or terminated at any time at Hejaz’s discretion.

8.2 Any referrals made before termination will still be honored, provided they meet the eligibility criteria.

8.3 Hejaz reserves the right to amend these Terms and Conditions at any time. Updates will be communicated via our website or direct customer notification.

9. Dispute Resolution & Liability

9.1 Any disputes related to the Program will be resolved at Hejaz’s sole discretion.

9.2 Hejaz is not liable for:

  • Delays in reward issuance due to incorrect customer details.
  • Technical errors affecting referral tracking.
  • Changes to program structure or benefits.

9.3 Any attempts to misuse or manipulate the Program will result in disqualification from participation.

10. Governing Law

10.1 These Terms are governed by the laws of Victoria, Australia.

10.2 Any disputes must be addressed in the courts of Victoria, Australia.

11. Agreement to Terms

11.1 By participating in this Program, both Referrers and Referees acknowledge and agree to these Terms.

11.2 For further information or inquiries, please contact:
Hejaz  – Customer Support
📧 [email protected]