Referral and Rewards Terms

Effective date: August 11, 2026

Version: 1

These Referral and Rewards Terms (the “Referral Terms”) govern your participation in referral campaigns, promotional reward programs, and recipient-created money requests offered by Destta Inc (“Destta,” “we,” “us,” or “our”).

These Referral Terms supplement our Terms of Service and Privacy Policy. By sharing, accepting, or using a referral code or link, creating or accepting a money request, or receiving or redeeming a referral reward, you agree to these Referral Terms. If these Referral Terms conflict with the general Terms of Service on a referral-specific matter, these Referral Terms control for that matter.

1. Campaign-Specific Offer

Each referral campaign has its own offer details, which may include eligible countries and transfer corridors, campaign dates, minimum transfer amount, reward amount and type, hold period, expiration period, referral limits, and other qualification conditions. These details are shown in the Destta app, referral preview, or other campaign notice before you participate and form part of these Referral Terms.

If campaign-specific details differ from this page, the campaign-specific details control for the amount, dates, corridor, limits, and qualification conditions of that campaign. A displayed reward is a conditional promotional offer, not a promise that a reward has been earned.

2. Eligibility

To participate, you must:

  • be at least 18 years old and legally able to agree to these Referral Terms;
  • have a Destta account in good standing;
  • meet the residency, country, corridor, currency, and identity-verification requirements of the campaign;
  • provide accurate, complete, and current information;
  • not be prohibited from participating by applicable law or Destta policy.

Eligibility may differ between inviters, referred senders, and money-request recipients. Destta may determine eligibility at any time, including when a referral is accepted, a transfer is created, a transfer settles, a reward is released, or a reward is redeemed.

3. Inviting a New Customer

An eligible Destta customer may receive a personal referral code, link, or QR code. These identifiers are personal to the account holder and may be used only in accordance with these Referral Terms. Referral links and codes have no cash value and may be disabled, replaced, or revoked.

The person receiving the invitation must be a genuinely new Destta sender unless the applicable campaign expressly permits otherwise. A person with an existing account, previous verified identity, or prior Destta transfer may be ineligible for a new-customer reward even if a referral link or code is accepted.

4. Referral Attribution

A new customer may be attributed to only one referrer for each referral program. The first valid referral the customer knowingly accepts generally wins. The customer must confirm the referral in the app or through another Destta-controlled flow before attribution is finalized. Destta does not rely solely on referral information stored on a device.

A referral may need to be accepted within the period shown in the app or referral preview, before the new customer’s first transfer, and before any temporary claim token expires. Once attribution is locked, it cannot ordinarily be changed or transferred.

Self-referrals are prohibited. You may not refer yourself through another account, identity, phone number, device, payment method, business, intermediary, or person acting on your behalf. Creating duplicate accounts does not create additional eligibility.

5. Qualifying Transfers

Unless a campaign states otherwise, a reward is earned only after all applicable conditions are met, including:

  • the referred sender is a genuinely new and eligible customer;
  • required identity verification and compliance checks are completed and approved;
  • the campaign is active and has remaining availability or budget;
  • the sender and recipient countries, currencies, and transfer corridor are eligible;
  • the transfer meets the campaign’s minimum amount and other transaction requirements;
  • the transfer is funded from an eligible external funding source, not promotional credit or another excluded source;
  • the transfer is successfully delivered and settled;
  • the transfer is not cancelled, reversed, refunded, disputed, or charged back;
  • risk, fraud, legal, and compliance checks are passed;
  • the customer and campaign have not exceeded applicable reward limits.

Unless the campaign expressly says otherwise, only the referred customer’s first eligible settled transfer can qualify. Splitting a transfer, combining transfers, or sending an amount near the campaign minimum does not guarantee qualification. Destta’s transaction and campaign records determine whether the conditions were satisfied.

6. Recipient-Created Money Requests

“Ask Family to Send” allows an eligible recipient to create a secure money-request link. A request may include a requested amount, currency, note, expected sender country, expiration date, and a recipient-owned Ethiopian bank or mobile-money payout destination. The payout destination is locked when the request is created and cannot be replaced by the sender.

A money request is not an invoice, debt collection, payment guarantee, or promise that a transfer will occur. Unless the app states that the amount is fixed, the sender may choose a different amount. The sender must authenticate, complete any required verification, and independently approve the transfer and its pricing.

For recipient-created money requests, the newly referred sender may receive the referral reward if all campaign conditions are met. The recipient does not receive a referral reward unless the specific campaign expressly says otherwise. A money request may remain usable even when no referral reward is available; no reward is promised unless one is displayed and later qualified by Destta.

Money requests may expire, be cancelled, or become unavailable after acceptance or transfer activity. You must not use money requests to mislead, threaten, pressure, harass, or solicit unlawful payments.

7. Referral Rewards

Unless a campaign expressly states otherwise, referral rewards are promotional transfer credits. A transfer credit may be used only toward an eligible future Destta transfer in the supported currency and subject to the limits displayed at checkout.

Promotional transfer credits:

  • are not cash, a bank deposit, stored value, or customer funds;
  • cannot be withdrawn, transferred to another person, sold, exchanged, or redeemed for cash;
  • do not earn interest and are not protected as a deposit;
  • may be limited by currency, transfer corridor, amount, funding source, or campaign;
  • cannot be used where reward redemption is disabled or legally unavailable.

Cash rewards are not available unless a future campaign expressly enables them and Destta confirms the applicable legal, regulatory, tax, accounting, and payment conditions.

8. Reward Hold, Availability, and Expiration

A reward may move through pending, held, available, redeemed, expired, reversed, or rejected states. After a qualifying transfer settles, Destta may hold the reward for the period shown in the campaign while settlement, fraud, refund, and compliance checks are completed.

Available rewards expire on the date shown in the app or campaign terms. Unused amounts are forfeited when they expire. Destta is not required to extend an expiration date, although it may do so at its discretion or where required by law. Pending or held rewards are not available to spend.

9. Using a Transfer Credit

The app may show the maximum transfer credit available for an eligible quote or transfer. You choose whether to apply an eligible amount, but Destta recalculates the final applicable amount, fees, exchange rate, sender charge, and recipient delivery amount on the server.

A reward may be temporarily reserved during checkout. Reservations may expire or be released if the quote expires, payment fails, or the transfer is not completed. No cash or other value is returned for an unused portion of a transfer credit. Rewards cannot reduce a charge below the minimum permitted by Destta or applicable law.

10. Limits, Budgets, and Combining Offers

Campaigns may limit rewards per person, account, identity, device, household, payment method, funding source, transfer, corridor, period, or campaign. They may also have daily or total budgets. A customer may stop qualifying when a limit or budget is reached, even if a referral link remains active.

Only one reward may be issued for the same person, attribution, or qualifying transfer unless a campaign expressly provides otherwise. Referral rewards may not be combined with another promotion, discount, fee waiver, or credit unless Destta permits it in the applicable offer.

11. Sharing Rules and Required Disclosures

When you share a referral, you must communicate truthfully and make it clear that you may receive a reward if the recipient joins Destta and completes the required activity. The disclosure must be easy to notice and understand in the same message, post, or language used to share the invitation. You may not make claims about guaranteed rewards, transfer speed, exchange rates, fees, regulatory status, or eligibility that Destta has not authorized.

You may not:

  • send spam, unsolicited bulk messages, automated messages, or communications that violate another person’s preferences or applicable law;
  • use bots, scripts, fake traffic, purchased accounts, or misleading redirects;
  • impersonate Destta or suggest that you are an employee, agent, or official partner unless authorized in writing;
  • buy advertisements using Destta trademarks, domains, misspellings, or search keywords without written approval;
  • publish ordinary personal codes on coupon sites, paid-referral marketplaces, or other commercial distribution channels without approval;
  • offer to split, sell, assign, or exchange a reward;
  • make false, deceptive, abusive, or unlawful statements about Destta or the program.

12. Review, Fraud Prevention, and Disqualification

Destta may review referral activity before or after a reward is issued. Reviews may consider identity, phone, device, installation, payment method, funding source, bank or card account, IP address, network patterns, transfer timing and amount, refunds, chargebacks, referral velocity, and relationships among accounts. These controls help prevent duplicate rewards, self-referrals, referral rings, synthetic identities, and other abuse.

A reward under review may be shown as “Reward being confirmed.” We may delay, reject, block, expire, or reverse a reward; invalidate an attribution; disable a code or link; restrict an account; or end participation if we reasonably believe these Referral Terms were violated or the activity presents fraud, legal, compliance, security, or operational risk.

We may be unable to disclose detailed risk or compliance reasons. Participation in a campaign does not limit Destta’s rights under the Terms of Service or its legal and regulatory duties.

13. Cancellations, Refunds, Chargebacks, and Reversals

A cancelled, failed, refunded, reversed, disputed, or charged-back transfer does not qualify. If a related reward is pending or held, it may be cancelled. If it is available, it may be reversed. If it has already been used, Destta may recover the value from future promotional rewards, restrict further reward use, or take another lawful recovery action.

A reversal may occur after the original reward date when Destta later receives information affecting eligibility, settlement, fraud, compliance, or the validity of the underlying transfer.

14. Privacy and Information Shared

Destta processes referral, device, account, identity, transaction, recipient, and risk data as described in our Privacy Policy. Public link previews show only limited, masked information. Authentication and appropriate verification are required before full recipient details or a locked payout destination are used in a transfer.

A referrer or money-request recipient may see limited progress, such as invitation opened, account created, verification in progress, waiting for a transfer, transfer processing, reward under review, or reward earned. They will not receive another customer’s KYC failure reason, compliance-review reason, funding-source details, or transfer amount unless that customer separately chooses to share it or disclosure is otherwise permitted by law.

15. Taxes

You are responsible for determining and satisfying any tax obligations related to rewards. Destta may request tax information and may report or withhold amounts where required by law. Destta does not provide tax advice.

16. Program Changes, Suspension, and Termination

To the extent permitted by law, Destta may create, activate, pause, modify, replace, or end a campaign or the referral program. Changes may include eligibility, countries, corridors, reward amounts or types, minimum transfers, hold periods, expiration periods, limits, budgets, or redemption availability.

We may make immediate changes to address fraud, abuse, technical errors, legal or regulatory requirements, or circumstances outside our control. Where required, we will provide notice of material changes. Ending or changing a campaign does not require Destta to issue a reward that had not already satisfied all qualification conditions before the applicable change.

17. Errors and Corrections

Destta may correct typographical, display, calculation, attribution, ledger, or system errors. An incorrect app display, notification, preview, or balance does not create a right to a reward that was not validly earned. Our referral, campaign, transfer, risk, and reward-ledger records are authoritative, subject to your rights under applicable law.

18. No Employment or Agency

Participation does not make you an employee, contractor, agent, representative, broker, or partner of Destta. You have no authority to bind Destta, quote terms on our behalf, collect funds for us, or make warranties about our services.

19. Complaints and Disputes

Contact us promptly if you believe a referral or reward status is incorrect. Please include the relevant referral, campaign, request, or transfer reference without sending passwords, one-time codes, or full payment credentials.

The governing-law, dispute, disclaimer, limitation-of-liability, and other generally applicable provisions in the Terms of Service also apply to the referral program. These Referral Terms do not limit rights that cannot be waived under applicable law.

20. Contact

Destta Inc
5804 Foley Street
Alexandria, VA 22303
United States

Referral support:support@desttapay.com
Legal:legal@desttapay.com
Privacy:privacy@desttapay.com