1. Eligibility

This promotion is open to individuals aged 18 years or older who meet the requirements set forth in these terms and conditions.

2. Promotion Period

The promotion will commence on 25 May 2023 and will remain in effect until further notice, at which point it may be concluded at the discretion of Return Finance.

3. Bonus Offer

For each deposit made during the promotion period, a 10% non-withdrawable bonus will be awarded. The bonus will be calculated based on the total deposit amount and credited to the participant’s account. The maximum bonus amount per participant is $600.

4. Deposit Requirements

• To be eligible for the bonus, deposits must be made into a qualifying account during the promotion period.
• Deposits made through unauthorized means or fraudulent activities will disqualify the participant from the promotion.

5. Withdrawal Restrictions

• The bonus amount credited to the participant’s account cannot be withdrawn. It is provided solely for the purpose of earning yield on the deposited funds.
• The participant can withdraw their original deposited funds at any time without any restrictions.
• If the participant wishes to withdraw the deposited funds before the bonus period expires, the participant will forfeit the bonus amount.

6. Yield Earnings

• The participant will start earning yield on the total deposit amount, including the bonus, immediately upon deposit.
• The yield will be calculated based on prevailing APT and will be credited to the participant’s account on a regular basis.
• Yield rates are subject to change and depend on market conditions. The financial institution reserves the right to modify the rates without prior notice.

7. Savings Goals and Progress Tracking

• The participant can track the progress of their savings goals in real-time through their account dashboard or designated tools provided by Return Finance, UAB (“the Company”).
• The Company will not be held liable for any errors or discrepancies in the savings goal tracking feature.

8. Limitations of Liability

The Company is not responsible for any losses, damages, or liabilities arising from the participant’s participation in this promotion or the use of the bonus amount or account features.

9. Modification or Termination

The Company reserves the right to modify or terminate this promotion, in whole or in part, at any time without prior notice. Any changes or termination will not affect the bonus amounts already credited to the participants’ accounts.

10. Compliance with Regulations

Participants must comply with all applicable laws, regulations and internal policies of the financial institution while participating in this promotion.

11. Governing Law and Jurisdiction

These terms and conditions are governed by the laws of Lithuania. Any disputes arising from or in connection with this promotion shall be subject to the exclusive jurisdiction of the courts in Lithuania.

By participating in this promotion, participants agree to be bound by these terms and conditions and any decisions made by the financial institution regarding the promotion.