For Referral Code Givers (Referrers):

1. The Referral program applies to all active personal accounts on KoinWorks that have made funding and deposits.
2. The KOIN reward will be automatically given to the referrer after the referee funds any KoinP2P product through the KoinWorks app or website.
3. This promotion cannot be combined with other promotions.
4. The promotion is only valid once for each unique referee, and it can only be given to referees with different NIK (National Identity Number) than the referrer.
5. There is no maximum referral reward that can be received by a referee from different referrers.

For Referral Code Receivers (Referees):

1. The referee will automatically receive the KOIN reward when registering as a Personal Account on the KoinWorks app (version 2.0 and above) using the referral code.
2. KOIN can be used to fund KoinP2P products in the KoinWorks app.
3. This promotion cannot be combined with other promotions.
4. The promotion is only valid once for each referrer.

KoinWorks reserves the right to cancel promotions and funding interest portions obtained from KOIN if a user is deemed to be involved in fraudulent activities.