Programme Terms

PART 1 Programme Rules

How it works

1. You sign up

Register at purchasesecured.com/become-a-referrer. You'll need to provide your full name, email address and accept these Programme Terms. There's no fee to join and no obligation to refer anyone.

2. You get a unique referral link

Immediately after signing up, you'll see your dashboard at purchasesecured.com/referrer-dashboard. Your link looks like this:

purchasesecured.com/r/your-name

Share that link with anyone you think might benefit — estate agents who want to cut their fall-through rates, or buyers who want a reservation agreement that's actually enforced.

3. We track every click, signup and reservation fee

When someone clicks your link, our system stamps them with your referrer ID. If they then sign up and trade on the platform, you'll see them appear in your dashboard — first as a "click," then a "signup," then a "pending" payout, then an "earned" payout, then a "paid" payout.

4. You get paid £250 when they collect their first reservation fee

As soon as the agent or buyer you referred is involved in a reservation fee that lands in our regulated escrow account, you've earned £250.

If they do another reservation, you get another £250. And another. There's no cap on how many you can earn — only on how many genuine referrals you actually make.

5. The £250 lands in your bank automatically

Connect your bank account to Stripe (our payment partner) from your dashboard. Once connected, your earned payouts will be sent to that account automatically on our normal payment cycle, typically within 30 days of earning. You can change the destination account at any time.

Who counts as a referral?

The £100 Recruiter Bonus

If you recruit a friend to also become a referrer, and they go on to make their first £250, you get a one-off £100 bonus.

Just one bonus per recruited friend. There is no further chain or pyramid beyond that — you never earn anything based on what your friend's referrals do.

We deliberately keep it simple so the programme doesn't fall foul of the Trading Schemes Regulations 1997.

When you get paid

Your dashboard shows four statuses for each potential payout:

We pay out monthly. Once a payout moves to "Earned," the bank transfer is usually completed within 30 days. If you've connected Stripe, payouts are typically faster — often within a few business days.

Do's and don'ts

Please do:

• Describe PurchaseSecured accurately. The product is good, but it isn't magic.
• Share your link with people you actually know, or in contexts where it's genuinely welcome.
• Ask us if you're unsure whether a particular activity is allowed — we'd much rather you check first.

Please don't:

• Send unsolicited bulk emails or texts. UK spam laws are strict and we will suspend any referrer who breaks them.
• Bid on "purchasesecured" or our brand name in any paid search platform.
• Pretend to be PurchaseSecured staff, or make promises we haven't authorised.
• Use bots or scripts to generate clicks or signups. We detect this and any earnings will be voided.
• Refer yourself, or a business you control.

What about tax?

You're responsible for declaring any earnings to HMRC and paying any income tax and National Insurance due. We pay you gross.

If you're VAT-registered and want to invoice us for your referrals, just let us know — we'll switch you to invoiced payments.

We are not your tax adviser. If you're not sure what to declare, speak to an accountant or check HMRC's guidance on additional or trading income.

Frequently asked questions

Can I change my mind after signing up?

Yes. You can cancel within 14 days of joining with no questions asked, by emailing contact@purchasesecured.com. After 14 days you can still leave at any time — either side can end the programme on 30 days' notice.

What if someone I referred doesn't actually become a customer?

Then you don't earn anything. No charge to you, no obligation, no problem. The £250 is only triggered by an actual reservation fee landing in escrow.

Two people clicked my link — do I get £500?

£250 is paid per reservation fee, not per signup. If both of your referrals go on to collect reservation fees, you get £250 each time.

What if my friend signs up via two different links?

Whoever's link they clicked first — according to our tracking — gets the attribution. We don't pay two referrers for the same person.

What if a deal is refunded?

If the underlying reservation fee is refunded or reversed, the corresponding payout is voided. If we've already paid you, we may recover the amount from a future payout. We'll always tell you what happened.

Can a business or company sign up as a referrer?

The current programme is for individuals only. If you'd like to discuss a partnership through a company, email partnerships@purchasesecured.com.

How is my data handled?

Carefully. Read the Privacy Notice below for the full details. We share your bank information with Stripe so they can pay you, your contact details with our email provider so we can email you, and that's about it. We never sell your data.

Is this regulated?

The programme operates under English law. It is designed to comply with the Trading Schemes Regulations 1997, the UK GDPR, the Money Laundering Regulations 2017 (where applicable), the Consumer Rights Act 2015 and the Digital Markets, Competition and Consumers Act 2024. PurchaseSecured's underlying escrow service is provided by a separate FCA-regulated payments partner.

PART 2 Referrer Agreement

This Agreement is made between:

(1) TRANSFORMING EVERYDAY DECISIONS LIMITED, a company incorporated in England and Wales (company number 16649859) whose registered office is at 399–405 Office 83 Unit 5, 399–405 Oxford Street, Mayfair, London W1C 2BU, trading as PurchaseSecured (the "Company", "we", "us" or "our"); and

(2) The individual identified during the online registration process at purchasesecured.com/become-a-referrer (the "Referrer", "you" or "your"),

each a "Party" and together the "Parties".

Background

(A) The Company operates an online platform that enables UK estate agents to take reservation fees from prospective property buyers and hold those fees in regulated escrow until the relevant transaction completes, fails, or is otherwise resolved.

(B) The Company wishes to grow its user base of estate agents and buyers and is willing to pay introduction fees to individuals who refer suitable estate agents or buyers to the platform, on the terms set out in this Agreement.

(C) The Referrer wishes to participate in the Company's referral programme on those terms.

It is therefore agreed as follows:

1. Definitions and interpretation

1.1 In this Agreement, the following terms have the meanings set out below:

1.2 References to statutes or regulations include any modification or re-enactment of them and any subordinate legislation made under them.

1.3 Headings are for convenience only and do not affect interpretation.

1.4 The singular includes the plural and vice versa.

2. The referrer programme

2.1 The Company invites individuals aged 18 or over and resident in the United Kingdom to introduce estate agents and property buyers to the Platform in exchange for the fees set out in clause 5.

2.2 The Referrer is not an employee, agent, partner or franchisee of the Company. Nothing in this Agreement creates a relationship of employment, agency, partnership or joint venture between the Parties.

2.3 The Referrer has no authority to bind the Company, to make representations on its behalf, or to commit it to any obligation, and shall not hold themselves out as having any such authority.

2.4 This Agreement comes into force on the Effective Date and continues until terminated in accordance with clause 11.

3. Referrer obligations

3.1 The Referrer shall:

(a)share the Referral Link only with persons who they reasonably believe may benefit from the Platform;

(b)accurately describe the Platform and its services and not make any statement about the Platform, the Company or its officers that is untrue, misleading, defamatory, exaggerated or otherwise likely to bring the Company into disrepute;

(c)comply with all applicable laws and regulations in connection with their activities under this Agreement, including (without limitation) the Privacy and Electronic Communications Regulations 2003, the UK GDPR, the Consumer Protection from Unfair Trading Regulations 2008 and the Digital Markets, Competition and Consumers Act 2024;

(d)not send unsolicited communications (including by email, text message, telephone, instant message or social media) in breach of the Privacy and Electronic Communications Regulations 2003 or any guidance issued by the Information Commissioner from time to time;

(e)not bid on, register, purchase or otherwise use the word "PurchaseSecured", any variation of it or any of the Company's trade marks as a keyword in any paid search, advertising or domain name registration;

(f)not use the Referral Link or this Agreement in connection with content that is unlawful, obscene, defamatory, harassing, discriminatory, fraudulent or otherwise objectionable;

(g)not impersonate the Company or any of its officers, staff or representatives;

(h)promptly provide such information as the Company may reasonably require to comply with its legal obligations, including those under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017;

(i)keep their Account credentials confidential and notify the Company without delay if they suspect any unauthorised access; and

(j)be solely responsible for all taxes, including income tax and National Insurance contributions, on any sums received under this Agreement.

3.2 The Referrer shall not, directly or indirectly:

(a)submit a referral in respect of themselves, an entity they control, or a person with whom they have colluded to manufacture a referral;

(b)encourage or facilitate the creation of false or duplicate accounts on the Platform;

(c)use bots, scripts, automated tools or any artificial means to generate clicks, sign-ups or apparent activity on the Referral Link;

(d)offer, promise or pay any incentive (financial or otherwise) to a Referred Party to take any action in connection with the Platform other than as the Company may from time to time expressly authorise; or

(e)do anything that would be likely to constitute a trading scheme offence under Part XI of the Fair Trading Act 1973 or the Trading Schemes Regulations.

4. Qualifying Referrals

4.1 A referral is a Qualifying Referral only if all of the following conditions are met:

(a)the Referred Party reached the Platform by clicking the Referrer's Referral Link or by entering the Referrer's unique referral code during the relevant registration process;

(b)the Referred Party (or, where applicable, the estate agent the Referred Party named) successfully registers an account and is verified by the Company in accordance with the Company's standard onboarding checks (including, where applicable, identity verification via the Company's payment service provider);

(c)as a direct consequence of that introduction, a Reservation Fee is paid by a buyer to an estate agent through the Platform and is received in full by the Company's escrow account;

(d)the Referred Party is not already registered on the Platform at the time of the introduction and has not previously been the subject of a referral from another referrer (in which case the prior referrer's attribution prevails);

(e)no fraud, abuse or breach of this Agreement has been identified by the Company in relation to the referral or the underlying transaction; and

(f)the Referrer's Account is in good standing at the time the Reservation Fee is received.

4.2 The Company is the sole arbiter of whether a referral is a Qualifying Referral. The Company will act reasonably and in good faith when making this determination and will provide a written explanation on request.

5. Introduction Fee and Recruiter Bonus

5.1 Subject to the terms of this Agreement, the Company shall pay the Referrer the Introduction Fee of £250 in respect of each Qualifying Referral.

5.2 The Introduction Fee becomes earned on the date the Reservation Fee referred to in clause 4.1(c) is received in full and clear by the Company. It becomes payable in accordance with clause 5.5.

5.3 The Introduction Fee is payable per Reservation Fee received. There is no cap on the number of Introduction Fees that may become payable to the Referrer; the Referrer's entitlement depends solely on the number of Qualifying Referrals.

5.4 If the Referrer was themselves recruited to the programme by another referrer (the "Original Recruiter") using that Original Recruiter's Referral Link, the Company shall pay the Original Recruiter a one-off Recruiter Bonus of £100 at the time the Referrer's first Introduction Fee becomes earned. For the avoidance of doubt, the Recruiter Bonus is a single, one-time payment in respect of each recruited Referrer; the Company does not operate any further chain or tier of payments and no person is entitled to any payment based on referrals made by any third party other than the Original Recruiter's first Qualifying Referral via the Referrer.

5.5 Earned Introduction Fees and Recruiter Bonuses are paid in arrears on the Company's normal payment cycle, ordinarily within thirty (30) days of the relevant earning event, by bank transfer to the bank account connected to the Referrer's Account through the Company's payment service provider (currently Stripe Payments UK Limited). The Referrer must complete the payment provider's identity and bank verification before any payment can be made.

5.6 The Company may withhold or recover any sum where (a) the underlying Reservation Fee is refunded or reversed; (b) the Company reasonably suspects fraud, abuse, or breach of this Agreement; or (c) recovery is required to correct a payment error. Any such withholding will be communicated in writing with reasons.

5.7 All sums payable under this Agreement are gross of tax. The Referrer is responsible for paying any income tax, National Insurance contributions or other tax due on those sums and shall indemnify the Company against any liability the Company incurs as a result of the Referrer's failure to do so.

5.8 The Company is not registered for VAT in relation to this Agreement. If the Referrer is or becomes VAT-registered, the Referrer shall notify the Company in writing and provide a valid VAT invoice in respect of any sum payable under this Agreement; in that case the Introduction Fee shall be inclusive of any VAT properly chargeable.

6. Intellectual property and marketing materials

6.1 All intellectual property rights in the Platform, the PurchaseSecured brand, the Referral Link and any marketing materials supplied by the Company belong to the Company or its licensors.

6.2 The Company grants the Referrer a personal, non-exclusive, non-transferable, revocable licence to use the Referral Link and any approved marketing materials solely for the purpose of making referrals under this Agreement. The Referrer shall not modify, redistribute, sub-licence or commercially exploit those materials except as expressly permitted.

6.3 The Referrer shall use the Company's trade marks only in the form supplied by the Company and shall not register, attempt to register or assist any other person to register any sign that is identical or confusingly similar to any of the Company's trade marks or domain names.

6.4 The licence granted in clause 6.2 terminates automatically on termination of this Agreement, and the Referrer shall on termination remove or destroy all copies of the Company's marketing materials in its possession or control.

7. Data protection

7.1 The Parties acknowledge that, in connection with this Agreement, the Company processes Personal Data about (a) the Referrer and (b) any Referred Party who provides Personal Data to the Company through the Platform. The Company is the controller of that Personal Data, and its processing is governed by the Privacy Notice set out in Part 3 of this page (as updated from time to time).

7.2 The Referrer shall:

(a)process any Personal Data of a Referred Party that comes into the Referrer's possession only for the purpose of making the referral and only to the extent strictly necessary for that purpose;

(b)delete or return such Personal Data without undue delay once the referral has been made or the Referrer has decided not to make it;

(c)not pass a Referred Party's Personal Data to any third party other than the Company; and

(d)comply with the UK GDPR and the Privacy and Electronic Communications Regulations 2003 in all of its activities under this Agreement.

7.3 Where required by the UK GDPR, the Referrer shall ensure that the Referred Party has been provided with the information required by Article 13 or 14 of the UK GDPR before passing their Personal Data to the Company, and shall provide the Company with reasonable assistance in evidencing the lawful basis for processing on request.

8. Referrer warranties

8.1 The Referrer warrants and represents that, both on the Effective Date and on each occasion on which they make a referral:

(a)they are aged 18 or over and ordinarily resident in the United Kingdom;

(b)they have the legal capacity and authority to enter into this Agreement;

(c)their participation in the programme does not breach any other agreement, regulatory obligation, code of conduct, professional rule or employer policy to which they are subject;

(d)all information they provide to the Company in connection with this Agreement (including during registration) is accurate, complete and not misleading; and

(e)they are not the subject of any sanctions imposed by HM Treasury's Office of Financial Sanctions Implementation, the United Nations, the European Union, the United States Treasury Department's Office of Foreign Assets Control, or any other applicable sanctions authority.

9. Suspension

9.1 The Company may suspend the Account, the Referral Link and any payments under this Agreement, immediately and without prior notice, if the Company reasonably believes that:

(a)the Referrer is in breach of this Agreement;

(b)the Referrer is engaged in, or has facilitated, fraud, abuse or unlawful conduct;

(c)continued operation of the Account presents a risk to the Company, its users or the integrity of the Platform; or

(d)suspension is necessary to comply with any law, regulation, court order or instruction from a regulator or law enforcement agency.

9.2 The Company shall lift the suspension promptly once it is satisfied that the reason for the suspension no longer applies. The Company is not liable for any loss arising from a suspension imposed in good faith under this clause 9.

10. Limitation of liability

10.1 Nothing in this Agreement limits or excludes any liability that cannot lawfully be limited or excluded, including (a) liability for death or personal injury caused by negligence; (b) liability for fraud or fraudulent misrepresentation; and (c) any other liability that cannot be excluded under the Consumer Rights Act 2015.

10.2 Subject to clause 10.1, the Company's total aggregate liability to the Referrer under or in connection with this Agreement, whether in contract, tort (including negligence), breach of statutory duty or otherwise, is limited to an amount equal to the total Introduction Fees and Recruiter Bonuses paid or payable to the Referrer in the twelve (12) months immediately preceding the event giving rise to liability.

10.3 Subject to clause 10.1, the Company is not liable to the Referrer for any (a) loss of profits, business, contracts, opportunity, anticipated savings or goodwill; (b) loss arising from a Referred Party's decisions or actions, including any decision not to register, transact or complete a Reservation Fee payment; or (c) indirect or consequential loss.

10.4 The Referrer shall indemnify and keep indemnified the Company against any claim, loss, damage, cost or expense (including reasonable legal fees) that the Company suffers as a result of (a) the Referrer's breach of this Agreement, (b) any unlawful act or omission of the Referrer in connection with the programme, or (c) any third-party claim arising from a statement made or content created by the Referrer in connection with the programme.

11. Termination

11.1 The Referrer may cancel this Agreement at any time during the Cooling-Off Period without giving any reason, by sending notice to contact@purchasesecured.com. Cancellation under this clause 11.1 takes effect immediately on receipt of the cancellation notice by the Company.

11.2 After the Cooling-Off Period, either Party may terminate this Agreement at any time for any reason by giving the other Party not less than thirty (30) days' written notice.

11.3 The Company may terminate this Agreement immediately by written notice if:

(a)the Referrer commits a material breach of this Agreement which is not capable of remedy, or which is capable of remedy but is not remedied within fourteen (14) days of being notified in writing to do so;

(b)the Referrer breaches any of clauses 3.2, 7 or 8;

(c)the Referrer is or becomes bankrupt, insolvent or subject to any analogous insolvency event;

(d)the Referrer is convicted of any offence involving dishonesty, fraud or financial crime; or

(e)the Company ceases to operate the programme or the Platform, on giving the Referrer such notice as is reasonably practicable in the circumstances.

11.4 Termination does not affect any rights or remedies that have accrued before termination. Earned Introduction Fees and Recruiter Bonuses in respect of Qualifying Referrals that occurred before termination remain payable in accordance with clause 5, save where the Company terminates under clause 11.3(a), 11.3(b) or 11.3(d), in which case the Company may withhold or set off any sum reasonably attributable to the breach or conduct giving rise to termination.

11.5 Clauses 3.2, 5.7, 6, 7, 10, 11.4, 12, 13 and 14 survive termination.

12. Notices and changes

12.1 Notices to the Company must be sent by email to contact@purchasesecured.com. Notices to the Referrer may be sent to the email address on the Referrer's Account or by an in-product message.

12.2 The Company may amend this Agreement from time to time. The Company will give the Referrer at least fourteen (14) days' written notice of any amendment that is materially adverse to the Referrer. Continued use of the programme after the notice period constitutes acceptance. If the Referrer does not accept the amendment, the Referrer may terminate this Agreement under clause 11.2 before the amendment takes effect.

13. General

13.1 This Agreement constitutes the entire agreement between the Parties in relation to its subject matter and supersedes any prior agreement, representation or understanding.

13.2 The Referrer may not assign, transfer, charge or otherwise deal with this Agreement or any right or obligation under it without the Company's prior written consent. The Company may assign or novate this Agreement to any successor in the business to which it relates.

13.3 A failure or delay by either Party to exercise any right under this Agreement is not a waiver of that right.

13.4 If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions continue in force.

13.5 No third party has any right to enforce any term of this Agreement under the Contracts (Rights of Third Parties) Act 1999.

14. Governing law and jurisdiction

14.1 This Agreement and any non-contractual obligations arising out of or in connection with it are governed by the law of England and Wales.

14.2 The Parties submit to the exclusive jurisdiction of the courts of England and Wales in relation to any dispute arising out of or in connection with this Agreement, save that the Company may bring proceedings in any jurisdiction in which the Referrer is resident or carries on business.

Signed for and on behalf of Transforming Everyday Decisions Limited:
Luke Garner, Director

PART 3 Privacy Notice

This notice explains how Transforming Everyday Decisions Limited, trading as PurchaseSecured, collects and processes Personal Data about you when you register, participate in, or apply to participate in the PurchaseSecured referrer programme. It supplements (and does not replace) any other privacy notice that may apply to other interactions you have with PurchaseSecured.

This notice is issued under and complies with the UK GDPR and the Data Protection Act 2018.

1. Who we are

The controller of your Personal Data is:

Transforming Everyday Decisions Limited (company number 16649859), 399–405 Office 83 Unit 5, 399–405 Oxford Street, Mayfair, London W1C 2BU.

Email: contact@purchasesecured.com

We are registered with the Information Commissioner's Office under our company name. We have not appointed a statutory Data Protection Officer because our processing does not require one, but you can raise any data protection question with us by email at the address above.

2. What Personal Data we collect about you

We collect the following categories of Personal Data about you as a referrer:

• Identification data: your full name, email address and (optionally) phone number, supplied during registration.
• Account credentials: a hashed password used to access the referrer dashboard, and session tokens used to keep you signed in.
• Programme data: your unique referral link, click counts, the email addresses of people you refer (or who name you on the platform), and the resulting introduction fees you earn.
• Payment data: identity verification documents, date of birth, residential address, bank account details and tax information that you provide to our payment service provider (Stripe Payments UK Limited) for the purpose of receiving payments.
• Technical data: IP address, browser type and version, device information, pages visited and timestamps, used for security, audit and fraud-prevention purposes.
• Correspondence: communications you have with us by email or through the platform.

3. Where we obtain your Personal Data

We obtain Personal Data:

• Directly from you when you register, sign in, complete payment verification or contact us;
• Automatically from your device when you use our website (see our cookies notice for more detail);
• From Stripe Payments UK Limited in connection with the verification of your identity and bank details; and
• From third parties you have referred, where they confirm or contest a referral attribution.

4. Why we use your Personal Data and our lawful basis

We use your Personal Data for the purposes set out below. The lawful basis for each is identified in the right-hand column.

5. Who we share your Personal Data with

We share your Personal Data with the following categories of recipient, in each case under appropriate safeguards:

• Stripe Payments UK Limited, our payment service provider, for the purposes of identity verification, account creation and the transmission of funds to you;
• Hostinger International Ltd, our hosting provider, who hosts the servers on which the platform runs;
• Resend.com, our transactional email provider, for the purpose of sending emails to you;
• Professional advisers (such as lawyers, accountants and auditors) and HM Revenue & Customs, where necessary for compliance or to establish, exercise or defend legal claims;
• Law enforcement and regulators where required by law; and
• A purchaser or successor in business if we sell, restructure or transfer the business to which this programme relates.

We do not sell your Personal Data to third parties.

6. International transfers

Some of our service providers (in particular Stripe and Resend) may process Personal Data outside the United Kingdom. Where they do so, we rely on (a) the European Commission's adequacy decisions as recognised under UK law, (b) the UK International Data Transfer Agreement or the EU Standard Contractual Clauses with the UK Addendum, or (c) another lawful transfer mechanism under Article 46 UK GDPR. You can request a copy of the relevant safeguards by contacting us.

7. How long we keep your Personal Data

We keep your Personal Data only for as long as we need it for the purposes set out above. In general:

• Account and referral data is retained for the duration of your participation in the programme and for a further six years thereafter (to allow us to address any disputes and comply with retention obligations under the Limitation Act 1980);
• Payment, tax and accounting records are retained for at least six full tax years to comply with HMRC requirements;
• Identity verification documents are retained for the period required under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, generally five years from the end of the business relationship;
• Technical and security logs are retained for up to twenty-four months; and
• Marketing data is retained until you withdraw your consent.

At the end of the relevant retention period, we either delete or anonymise the data so that it can no longer be associated with you.

8. Your rights

Subject to certain conditions, you have the following rights under the UK GDPR:

• the right to be informed about our processing (this notice);
• the right of access to a copy of your Personal Data;
• the right to have inaccurate Personal Data corrected;
• the right to have Personal Data erased in certain circumstances;
• the right to restrict our processing in certain circumstances;
• the right to data portability in respect of data we process under a contract or with your consent;
• the right to object to processing carried out on the basis of our legitimate interests;
• the right to withdraw any consent you have given us at any time (without affecting the lawfulness of processing already carried out); and
• the right not to be subject to a solely automated decision that produces legal effects or similarly significant effects — we do not currently make such decisions.

To exercise any of these rights, please email contact@purchasesecured.com. We may need to verify your identity before responding.

You have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk or by writing to Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF. We would, however, encourage you to contact us first so that we have the opportunity to address your concerns.

9. Security

We use technical and organisational measures designed to protect your Personal Data from unauthorised access, alteration, disclosure and loss. These include encryption in transit, hashed password storage, role-based access controls, and audit logging. Despite these measures, no transmission or storage of data over the internet can be guaranteed to be completely secure, and you share Personal Data with us at your own risk.

10. Changes to this notice

We may update this notice from time to time to reflect changes in our practices, services or legal obligations. If we make a material change, we will notify you by email or by an in-product notice before the change takes effect.

This notice was last updated on the date shown at the top of this page.