Referral bonuses are processed during the first week of each month The referral bonus is not valid for referring Joint Account Holders Referral codes must be used during the onboarding process, and cannot be added retroactively Sarwa reserves the right to amend, withdraw or restrict the provision of the referral bonus at any time without notice. If Sarwa suspects fraudulent or abusive behavior, inappropriate, offensive, or derogatory language, or gaming of the system, Sarwa reserves the right to withdraw all promotions including the referral bonus, and take any other action it deems appropriate including, but not limited to, closing the client’s account Clients who receive a referral bonus must keep it in their account for 90 days, otherwise, it may be deducted from their final withdrawal amount The referral program is available only to those residing in MENA