PortfolioReach Referral Campaign Terms - Autumn 2026 Referral Campaign

Version: REF-2026-09-v2 Status: PUBLISHED - approved by Alan Ladachowski on 2026-09-07T19:50:36+00:00

These terms apply to the PortfolioReach referral campaign named above. They describe how referrals are counted, how rewards are determined, and how rewards are paid. Where the general PortfolioReach Terms of Service and these campaign terms differ on a matter relating specifically to this campaign, these campaign terms apply to this campaign.

1. Who can take part

Any registered PortfolioReach user with a creator account may participate in the campaign and share their referral link. Fan and Brand accounts do not participate in the referral campaign and do not receive a referral link.

A reward recipient must be an individual registered user. Rewards are not paid to companies or other legal entities, and a payout cannot be redirected to an account belonging to anyone other than the reward recipient.

Rewards can be paid to bank accounts within the SEPA area. If your account is outside this area, we may be unable to pay the reward. Please tell us before the deadline for providing payout details, and we will confirm whether payment is possible.

2. Qualifying period

The campaign covers referrals approved between 1 August 2026, 00:00 and 30 September 2026, 23:59 (Europe/Berlin time). A referral approved outside this period does not count toward this campaign, regardless of when the registration itself took place.

Results are finally determined on 7 October 2026.

3. What counts as a qualified referral

A referral is qualified when all of the following conditions are met:

• someone registered a new PortfolioReach account using your referral link or referral code;
• the account was registered as a creator account;
• the referred creator completed the existing Creator Completion Gate, including having at least 3 qualifying public photos;
• the referral was approved and has not been rejected or revoked;
• the approval took place during the qualifying period.

Attribution does not mean qualification. Every registration made through your referral link is recorded so that we can attribute it to you, including registrations of Fan, Brand and other non-creator accounts. Such registrations never count toward points, qualified referrals, ranking position, entitlement to a reward or a cash reward, and a later change of account role does not qualify them retroactively.

Creating a creator account alone does not earn points or create a qualified referral. An empty account, or an account with 0/3, 1/3 or 2/3 qualifying public photos, does not earn points. A referral may qualify only once the referred creator actually satisfies the Creator Completion Gate, including the 3-photo requirement, and the referral is approved. What counts is the moment when these conditions are actually met and the referral is approved, not the moment when an empty or incomplete account was created.

Referral points are an internal program metric. They are used to determine ranking order. They are not money, do not represent stored value and are never paid out.

4. One person - one value-bearing referral

One person may be counted as a qualified referral only once, regardless of the number of accounts, email addresses or other details used during registration.

Deleting a referred account and later re-registering the same person does not create a new right to points, a ranking position or another referral reward.

Attempts to obtain an additional referral benefit through re-registration, the use of another account, another email address or other details may be treated as abuse under section 7.

5. Ranking

Candidates are ranked according to the following criteria, in this order:

1. number of qualified referrals - highest first;
2. total number of active referral points - highest first;
3. earliest qualified referral - earlier takes priority;
4. account identifier - ascending.

The last two criteria are tie-breakers and make the ranking deterministic: the same data always produces the same order.

Your own position is visible to you within the campaign. We do not publish a full public leaderboard of participants in this campaign.

After the results have been finally approved, we will publish the campaign winners together with their placing and public PortfolioReach profile name (username).

6. Rewards

The total maximum value of rewards in the campaign is EUR 175. There is no annual per-person reward limit.

A ranking position creates an entitlement to a reward only after it has been approved under section 8. Being ranked first while the campaign is still running is not a promise of payment.

7. Abuse, fraud and verification

A referral does not qualify, or is revoked, if we identify:

• self-referral or referral between accounts controlled by the same person;
• creation of multiple accounts for the purpose of generating referrals;
• coordinated or paid registrations, including paying someone to create an account;
• registrations that do not represent a real, independent person;
• deletion of a referred account and re-registration of the same person for the purpose of obtaining additional points or another reward;
• referring the same person again through another account, another email address or other details in order to obtain a second referral benefit;
• any other attempt to artificially increase the number of qualified referrals or referral points, or to obtain a reward that the campaign was not intended to provide.

Automated mechanisms record risk signals for individual referrals. A signal is not a verdict: an authorised operator reviews flagged cases and may confirm an abuse finding, clear a false positive, mark the case as requiring further review, or flag a case that the automated mechanisms did not detect. Every verdict is recorded together with information about who made it and why.

Before approving a reward, we may request reasonable verification. Identity documents are not required merely to participate in the campaign.

8. Approval, ranking adjustments and communication

After the qualifying period ends, the system proposes a provisional list of winners based on the ranking and the eligibility and abuse-control rules described above.

• A proposal is not a result. Nothing is communicated at this stage.
• If a proposed candidate is rejected or disqualified, the next qualifying candidate in the ranking moves into that position.
• A designated authorised person then reviews and approves the final winners.
• No message is sent to a winner before this approval. If you receive a message concerning a reward, approval has already taken place.

Once the final winners have been approved by the designated authorised person, the reward is approved. There is no automatic fixed waiting period before payment.

We may delay a payout for up to 30 days only where reasonably necessary to complete an eligibility or abuse review, correct missing or incorrect payout details, resolve a technical problem, or comply with a legal or banking requirement. In such a case, we will tell the recipient why the payout is delayed and what needs to be done. Once the necessary checks have been completed and valid bank details have been received, we aim to initiate the transfer without unnecessary delay.

9. Payout

Payment is made in EUR to an eligible bank account designated by the recipient.

After the reward has been approved, you will be asked to provide your bank details through PortfolioReach. The deadline for providing them is 21 November 2026. We will send a reminder before the deadline.

If we do not receive valid bank details by that deadline, or if despite reasonable attempts the details cannot be used, the reward is forfeited. A forfeited reward is not awarded to another person.

Bank details are stored in encrypted form. Operators handling payouts see masked values. Reading the full account number is a separate, restricted and audited operation. After payment has been made, you will receive confirmation of the transfer.

10. Taxes

PortfolioReach pays the reward amount stated in section 6, subject to any deductions required by mandatory applicable law.

You are responsible for your own tax and reporting obligations arising from the reward, including any income tax or social security contributions in your country of residence. PortfolioReach does not provide tax advice.

PortfolioReach deducts or reports amounts only where a specific legal requirement requires it. If such an obligation applies to your payout, we will inform you before the payment is made.

11. Changing, pausing or cancelling the campaign

We may change, pause or cancel this campaign if:

• required by law, regulation or banking requirements;
• the campaign is being abused on a scale that makes fair operation impossible;
• a technical error makes the results unreliable;
• the campaign cannot be operated for reasons outside our reasonable control.

In such a case:

• rewards already paid will not be reclaimed;
• rewards already approved will be paid, unless the approval itself was obtained through conduct described in section 7;
• rewards that have not yet been approved may not be awarded.

We will publish the reason for any change, suspension or cancellation of the campaign.

12. Your data

Participation in the campaign means that we process:

• your referral link and registrations attributed to it;
• your number of qualified referrals, points and ranking position;
• risk signals and operator verdicts recorded in relation to your referrals;
• if you receive a reward: the account holder's name, IBAN, BIC where required, bank country, transfer reference, our internal proof of payment, and payout timestamps and status history;
• the payment confirmation issued to you and records of operator access to it.

Payment documentation is retained as accounting evidence for the period required by law. Bank details are retained only for as long as necessary to make and document the payment and are then deleted according to the retention schedule described in our Privacy Policy.

You may ask us for a copy of your data, ask us to correct it, or ask us to delete your account. Deleting your account ends any unpaid entitlement to a reward.

13. Complaints and contact

If you believe that a decision concerning your referrals or your reward is incorrect, contact support@portfolioreach.com. Provide your account name and describe what you believe went wrong. We will review the recorded information and respond to you.

14. Version and precedence

This is version REF-2026-09-v2 of the campaign terms.

Before joining the campaign, you will be asked to accept the version of the terms then in force. The version accepted by you when joining applies to your participation in the campaign.

The campaign terms will remain available in PortfolioReach throughout the campaign period.

Where these campaign terms and the general PortfolioReach Terms of Service differ on a campaign-specific matter, these campaign terms apply to this campaign. In all other matters, the general PortfolioReach Terms of Service apply.