Referral Term and Conditions (“Program Terms”):

The Thinking Capital Financial Corporation (“Thinking Capital”) referral program (the “Program”) is available to individuals with existing Thinking Capital customer accounts in good standing (“you” or “Referror), who complete eligible referral offers (“Referral Offers”) to one or more qualifying friends (the “Referree(s)”).

A qualifying “Referree” means (i) an individual who is not an existing customer of Thinking Capital who, at the time of the Referral Offer, (ii) is a Canadian resident; (iii) is of the age of majority in the province or territory in which they currently reside; and (iv) who enters into a customer funding agreement with Thinking Capital by December 31, 2018 .

To participate in the Program, you and your Referrees must accept these Program Terms, as well as the general Terms and Conditions of Thinking Capital Financial Corporation (“Thinking Capital”) accessible at:

All Referral Offers have to be made using the referral system on

For each eligible Referral Offer made to a qualifying Referree, in compliance with these Program Terms, you will receive a $500 direct deposit into your bank account.

A limit of ten (10) Referral Credits will be awarded to a Referror.

By submitting a Referral Offer, you warrant and represent, that you have obtained the express consent of the subject Referree to provide their name and email address to Thinking Capital for the purpose of Thinking Capital contacting such Referree to offer its range of financing products and services.

If more than one Referror submits a Referral Offer for the same Referree the first one to submit an eligible Referral Offer will be entitled to the Referral Credit. In the event of a dispute, the decision of Thinking Capital shall be final and binding on each Referror.

Thinking Capital assumes no responsibility for lost, delayed, damaged or misdirected referrals or communications or for any failure of the website or referral system, for any problems or technical malfunction of any computer online systems, servers, access providers, computer equipment, software, failure of any e-mail or Referral Offer to be received by Thinking Capital on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof including any injury or damage to a your (or any other person’s) computer related to or resulting from this program. Thinking Capital reserves the right, at its sole discretion, to change, cancel or suspend this Program should a virus, bug or other cause beyond the reasonable control of Thinking Capital, corrupt the security or proper administration of the Program or for any other reason.

Referral Offers are subject to verification and will be declared invalid if they are illegible, unintelligible, falsified, altered or tampered with or unlawful in any way. Referrals submitted by unauthorised means will be disqualified. In the event that it has been determined that a referral has been made in a manner not sanctioned by these Program Terms, you and all of you referrals will be disqualified from this program and any Referral Credits that have been awarded will be forfeited and deducted from your account. You agree to abide by the terms of this Program and the decisions of the Thinking Capital team, which are final. This Program is subject to all applicable laws and regulations.  The submission of false or fictitious referral information will result in forfeiture or disqualification of any Referral Credits under this Program.

Thinking Capital reserves the right to refuse issuance of a Referral Credit to any Referree who does not follow these Program Terms.

Employees or contractors of Thinking Capital, or its affiliates and each of its respective employees or contractors, are not eligible to participate in the Program.

Thinking Capital may suspend or terminate the Program or change any of the Program Terms at any time, in its sole discretion, without notice and without obligation to award any future Referral Credits.