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To benefit from this incentive you must refer a friend or relative to Lumon using your unique link, via email or verbally to a Lumon representative. The referred contact must then open an account with Lumon and make a currency transfer of no less than £5,000 or the currency equivalent. 

A referrer may refer as many friends or family members as they like, provided the referrer and referred contact do not reside at the same address. 

The incentive is open to anyone over the age of 18 years of age other than employees of Lumon and their close relatives and referring partners (affiliates and their employees and family and friends). 

No responsibility can be accepted for referrals not received for whatever reason. 

Lumon reserves the right to cancel or amend the incentive and these terms and conditions without notice in the event of a catastrophe, war, civil or military disturbance, act of God or any actual or anticipated breach of any applicable law or regulation or any other event outside of Lumon’s control. Any changes to the incentive will be notified to entrants as soon as possible by Lumon. 

Lumon is not responsible for inaccurate incentive details supplied to any entrant by any third party connected with this offer. 

The referral reward is as stated and no cash or other alternatives will be offered. The referral rewards are not transferable. Rewards are subject to availability and we reserve the right to substitute any reward with another of equivalent value without giving notice. 

Lumon’s decision in respect of all matters to do with the incentive will be final and no correspondence will be entered into. 

By referring a contact, an entrant is indicating their agreement to be bound by these terms and conditions and that referral permission has been granted by said contact. 

The incentive and these terms and conditions will be governed by English law and any disputes will be subject to the exclusive jurisdiction of the courts of England. 

Information provided to Lumon will be used in conjunction with the Lumon Privacy Policy. 

Lumon shall have the right, at its sole discretion and at any time, to change or modify these terms and conditions, such change shall be effective immediately upon posting to this webpage. 

Data Protection By entering into this incentive, you give Lumon access to the personal information that you supply and you agree to allow Lumon to store, process and deal with these details in order to administer the incentive and to notify the recipients. By completing the form, you agree that we may use your details to contact you with offers of other products or services that you might be interested in and that you have gained permission from said contact for Lumon to use their details for marketing purposes. 

We are committed to complying with the requirements of the Data Protection Act 2018 and the General Data Protection Regulation (GDPR). Information provided will not be sold or distributed to third parties without your consent. 

If you would prefer that Lumon did not contact you with details of any promotions or offers in the future, please write to Lumon at our main office postal address found in the  Contact us – section or contact us by email on [email protected].