Last updated 08/03/2021

These Millions Referral Program Rules ("Program Rules") govern your participation in the Millions Referral Program. The Program Rules are in addition to any agreements between you and Millions, including the Millions Terms of Service, as applicable (collectively, the "Millions Terms"). The Millions Terms are incorporated by reference and shall apply to your participation in the Millions Referral Program, including, if necessary, to resolve any disputes between you and Millions related to or arising out of the Referral Program.

Program Overview

The Millions Referral Program ("Referral Program") is offered by MyCard, Inc. and its affiliates (together referred to as "Millions") and provides Users who are interested in referring their family and friends ("Referrers") the opportunity to refer eligible individuals to join the Millions community as potential cardholders. These Program Rules apply to both Referrers and referred Users ("Referred Users" or "Referred" users, respectively), so please read carefully to understand your respective rights and obligations.

Referrer Eligibility

To be eligible to participate in the Referral Program as a Referrer, you must (a) be a legal resident of your country; (b) be the age of majority in your territory of residence; and (c) maintain a Millions account in good standing. However, if you violate the Program Rules, the Millions Terms of Service or any other applicable terms, Millions may suspend or terminate your ability to participate in the Referral Program.

Millions Codes

Under the Referral Program, Millions may provide you with a unique URL ("Millions Code") to distribute to eligible individuals to become new referred Users. Millions may also provide you the ability to create additional Millions Codes. Millions owns all rights in and to any Millions Code whether provided to you or created by you. You acknowledge and agree that: (a) Millions may limit the number of Millions Codes you may create or are made available to you, (b) you have no ownership rights in any form over the Millions Codes, and (c) Millions may reclaim, deactivate, invalidate or terminate your Millions Code at any time at its discretion.

How to Refer New Users

a. Referred Users.

Through the Millions waitlist page, you may refer eligible individuals to become new users on the Millions Platform. In order to be eligible for a Referral Reward (defined below) for a new user, the person must (i) have never previously created a Millions account; (ii) be at least the age of majority in their territory of residence, and (iii) satisfy the applicable Reward Criteria, as discussed below. If these conditions are met, the person shall be considered your "Referred User."

b. Other Invitations.

You may also invite eligible individuals to become new Users by distributing your Millions Code directly and instructing them to manually input your Millions Code into the Millions App. A user will not be able to apply your Millions Code if (i) they've already applied another User's Millions Code or a different promotion code, (ii) they've already received Millions credit from Millions or another source on their User account prior to entry of your Millions Code. If a User does not enter your Millions Code you will not receive attribution for the referral and they will not be considered your Referred User. Millions reserves the right to supply new Users with Millions credit or sign-on bonuses at its discretion.

Referral Rewards

a. General.

You are eligible to earn a referral incentive ("Referral Reward") for each Referred User that you refer to the Millions Platform (subject to certain maximum limits and the other terms in these Program Rules). Referral Rewards can only be earned for Referrals in your country of residence, and cannot be earned for cross-border referrals. As discussed above, in order to qualify as your Referred User, the new User must satisfy the applicable reward criteria ("Reward Criteria") as communicated to the Referred User by Millions. The Reward Criteria are set by Millions in its sole discretion and are subject to change at any time. The Reward Criteria may vary by market or within a particular market. Millions, at its sole discretion, may make available certain promotions with different Reward Criteria or Referral Rewards to other Users or prospective Users. These promotions, unless offered to you, shall have no bearing whatsoever on your Agreement or relationship with Millions.

If the new User that you refer satisfies the Reward Criteria, the type of Referral Reward you are eligible to receive may depend on (i) which Millions User account you used to refer the new user (ii) the Millions region associated with your Millions account (which may be the last location you have logged into the Millions application), (iii) the Millions region associated with the Referred User when they apply your Millions Code, or (iv) other factors as determined and communicated by Millions.

Both the Referrers and the Referred Users may be presented in the Millions App or waitlist page with the amounts of the Referral Rewards they may receive if all the Referral Criteria and other conditions described herein are met.

b. Earning Referral Rewards for Referred Users.

New users you refer may receive Millions credit or other prizes upon creating their new Millions account ("Referral Credit"). Referral Credit is only valid for use on the Millions Platform and is not transferable or redeemable for cash. Referral Credit may contain certain restrictions such as expiration dates or geographical use limitations which will be communicated to the new User. New Users should check the Promos tab within their Millions app to determine whether they have Referral Credit and any restrictions on its use. All terms and conditions for the distribution and use of Referral Credit are determined by Millions in its sole discretion.

c. Maximum Referral Rewards for Referred Users.

The maximum value of Referral Rewards that Millions will pay for Referred Users is $500.00 (either in cash, Millions credit, Millions Prizes, Millions Tickets or a combination of the four at our discretion). You may not create multiple Millions accounts to circumvent the Referral Reward maximum, and Millions may withhold or deny any amounts above the maximum Referral Reward. Millions reserves the right to change this maximum amount, and it is your responsibility to review the Program Rules for the current maximum limits.

d. Resolving Disputes over Referrals.

Only one person can earn a Referral Reward for a single Referred user. In the event that multiple persons claim credit for a particular referral, Millions has full discretion to determine which person earned such referral according to Millions's systems.

e. Reservation of rights.

Millions reserves the right to withhold or deduct Referral Rewards obtained through the Referral Program in the event that Millions determines or believes that the receipt of the Referral Reward or Referral Credit was in error, fraudulent, illegal, or in violation of these Program Rules or any other applicable agreement between you and Millions.


In connection with your participation in the Referral Program, you expressly agree to the restrictions listed below. When distributing, promoting or communicating your Referral Code(s) you agree that:

  1. No spamming. You agree that you will not "spam" anyone with invitations to join the Millions community, and that you at all times will remain compliant with CAN-SPAM, the TCPA, and other applicable laws. The following specific activities are prohibited:
    1. Mass emailing, texting or messaging people you do not personally know;
    2. Use of automated systems or bots through any channel to distribute, post or respond to your Referral Code;
    3. Use of scripts, programed or automatic dialers to send invites or to communicate Referral Codes; and
    4. Posting Referral Codes on event or venue pages without express permission from the event or venue owner.
  2. No Misrepresentations. You agree that you will not attempt to mislead anyone in connection with the Referral Program, either by affirmative representation, implication, or omission. In particular, you agree that you will not:
    1. Impersonate any person or entity;
    2. Create fake accounts, blogs, webpages, profiles, websites, links or messages;
    3. Misrepresent your relationship with Millions or any other third party (Don't create content or communications that could have the effect of leading a consumer to believe that it is an official communication from Millions.);
    4. Suggest that an affiliation or partnership exists with a third party where none exists. Don't make misrepresentations with respect to the characteristics or qualification requirements for any Referral Rewards. You acknowledge that Millions may change the characteristics or qualification requirements for Referral Rewards in its discretion, and therefore you shall not represent any fixed characteristics (e.g., amount of Millions credit, expiration date).
  3. Prohibited content. You agree that you will not use the Millions brand without Millions's explicit written permission in connection with:
    1. Disparaging or defamatory content concerning Millions or third parties;
    2. Content which promotes racism, bigotry, hatred, discrimination or physical harm of any kind against any group or individual;
    3. Offensive, abusive, intimidating or harassing content
    4. Content that is sexually explicit, obscene and/or contains nudity
    5. Any political and/or religious statement;
    6. Content containing images or reference to drugs, alcohol, tobacco, weapons or firearms
    7. Content that violates someone else's privacy
  4. Other restrictions. You also agree that you will not:
    1. Specify the monetary amount of the Referral Code unless authorized by Millions in writing;
    2. Create websites, domains, URLs, social media handles or email addresses containing the word "Millions";
    3. Use the names or marks of Millions competitors;
    4. Use images of celebrities or other public or private figures without their written consent;
    5. Use someone else's brand name or intellectual property without their written consent (for example, referencing "Superbowl" or "Coachella" would be prohibited);
    6. Engage in phishing or attempting to obtain financial or other personal information;
    7. Solicit passwords or personally identifiable information;
    8. Sell your Referral Code. You agree that you will only distribute your Millions Code free of charge only for promotional purposes. You may not sell, trade, or barter your Millions Code under any circumstances. You may not pay or provide anything of value to an invited user beyond any Referral Credit or collateral supplied by Millions;
    9. Violate or infringe the rights of a third party. You will not create any Millions Code that infringes on the intellectual property rights of any third party. You will adhere to the license terms in any use of the Millions Marks.
    10. Advertise. You agree that you will not pay to advertise your Millions Code or the Referral Program, including via Google, Facebook, Twitter, Bing and Craigslist.
    11. Create printed materials other than those authorized by Millions (including but not limited to: VistaPrint)
    12. Post printed materials on public or private property without the express written consent.
    13. Engage in fraudulent activity. You agree that you and your Referred Users will not defraud or abuse (or attempt to defraud or abuse) Millions, the terms of the Referral Program, or any invited Users.

If you violate any of these restrictions Millions may, in its discretion, remove your eligibility to participate in the Referral Program, and/or deny you any Referral Rewards earned in violation or suspected violation of these restrictions.

Other Terms

The following terms shall also apply to your participation in the Referral Program.

  1. Users cannot earn Referral Rewards for referring themselves;
  2. In exchange for allowing you to promote your Millions Code online (subject to the restrictions above), you agree to include a link on any such promotion page back to Millions's promotion page (or such other page as Millions designates);
  3. All Millions promotions run for a limited time only and are subject to change at Millions's discretion.