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VouWallet Documentation
Public offer for participation in the "Refer a Friend" bonus program
TECTRIX SERVICE DMCC operates under the brand VouWallet. This Offer is addressed by TECTRIX SERVICE DMCC ("VouWallet," "Company," "we," "our") to an unlimited number of individuals ("User," "You," "Your") and constitutes a public offer within the meaning of applicable law.
This Offer is an appendix to the User Agreement and forms an integral part of it. Terms not defined in this Offer are used in the meaning established by the User Agreement. In the event of a discrepancy between this Offer and the User Agreement with respect to the Program, this Offer shall prevail.
This Offer governs the Company's "Refer a Friend" bonus program (the "Program").
1. Definitions
"VouCoin" means a conditional unit of internal accounting used by VouWallet, credited to a User for fulfilling the conditions of the Program. VouCoin is not electronic money, funds, a means of payment, cryptocurrency, a digital financial asset, a token, a security, or any other financial instrument; it is not issued using distributed ledger technology and does not circulate outside the VouWallet service.
"Personal Account" means the section of a User's account in the mobile application or on the VouWallet website that displays the status of participation in the Program and the VouCoin balance.
"Qualifying Transaction" means a successfully completed and non-reversed outgoing payment from a VouWallet Account to a third party — a transfer of funds or a payment for goods, works, or services — made within the limits established by the Company for the relevant payment method. The following do not constitute Qualifying Transactions: funding of the Account; transfers of funds to payment instruments belonging to the User themselves; transfers between Accounts of Related Persons; and transactions cancelled or reversed after completion.
"Referrer" means a VouWallet User who invites another person to use the Company's Services using a Referral Link or Promo Code.
"Referral" means an individual who has registered a VouWallet Account using a Referrer's Referral Link or Promo Code.
"Referral Link" and "Promo Code" mean unique identifiers generated by the Company in the Referrer's Personal Account, allowing a connection to be established between the Referrer and the Referral.
"Settlement Period" means the calendar month following the end of which the Company calculates the amounts accruable under the Program.
"Related Persons" means Users in respect of whom, according to the Company's record-keeping systems, indicators of transactions being in fact carried out by a single person or of common control have been established, including a match of device identifier, IP address, payment method, identity document, mobile phone number, or email address, or cohabitation of the participants, provided that transactions on the relevant Accounts are in fact carried out by a single person or under common control.
Threshold and calculation amounts stated in this Offer in Russian roubles, apply to transactions and values expressed in other currencies at their rouble equivalent, determined at the currency exchange rate applied by the Company as at the date of calculation of the relevant credit.
2. Subject of the Offer and Procedure for Acceptance
The Company credits Users with VouCoin for fulfilling the conditions of the Program in the manner established by Section 5.
The Program is incentive-based in nature and does not constitute a lottery, gambling, a public competition, or a financial pyramid scheme. Rewards under the Program are credited solely in respect of transactions actually carried out on Accounts and are conditional upon the persons introduced completing Qualifying Transactions. Participation in the Program is voluntary and free of charge.
A Referrer is not an agent, representative, or employee of the Company, does not act on its behalf, and has no right to create obligations for the Company toward third parties.
Acceptance of this Offer is deemed to occur upon the first, in chronological order, of the following actions: activation of participation in the Program in the Personal Account; registration of an Account using a Program link or promo code, a Referral Link, or a Promo Code; or the Referrer passing a Referral Link or Promo Code to a third party, as evidenced by that person's registration using it.
By performing any of the above actions, You confirm that You have read this Offer, the User Agreement, the Acceptable Use Policy, and the Privacy Policy, and accept them without reservation.
Participation in the Program does not create an obligation for the Company to open an Account for a specific person and does not limit the Company's rights under the User Agreement, including the right to refuse to open an Account, suspend transactions, or terminate the agreement.
3. Nature and Use of VouCoin
VouCoin does not represent a claim by the User against the Company for the payment of funds. VouCoin may not be withdrawn, exchanged for cash, transferred to another User, inherited, or assigned to third parties.
No interest accrues on VouCoin. VouCoin is not taken into account when calculating the Account balance and does not participate in debit or settlement transactions involving electronic money.
VouCoin may be used to reduce the Company's fees and to pay for the Company's Services. The list of Services and fees in respect of which VouCoin may be used, and the terms of such use, including the amount of VouCoin required to reduce a fee or pay for the relevant Service, are published on the Company's website, apply in the version in force at the time of use, and may be amended by the Company unilaterally from the moment of publication without prior notice.
Amendments to the terms of use of VouCoin apply from the moment of publication, including to VouCoin credited before the date of publication, and do not apply to uses of VouCoin completed before that date.
VouCoin is valid for 365 days from the date of crediting. Upon expiry, unused VouCoin is forfeited without compensation.
VouCoin credited to the User in different Settlement Periods is recorded in a single balance in the Personal Account and is spent in order from the earliest expiry date to the latest.
Upon closure of the Account or termination of the User Agreement for any reason, unused VouCoin is forfeited and is not subject to monetary compensation.
5. "Refer a Friend" Program
5.1. Eligibility
A Referrer may be a User who has reached the age of 18, holds an active VouWallet Account with a confirmed mobile phone number or email address, and has no restrictions on the Account imposed by the Company.
A Referral may be an individual who has reached the age of 18, has not previously held a VouWallet Account, and is not a Related Person in relation to the Referrer.
The residency requirements set out in Section 2 of the User Agreement apply to both participants. A Referrer may not charge Referrals any fee for providing a Referral Link or Promo Code.
5.2. Qualification Conditions for a Referral
A Referral is deemed qualified upon the sequential fulfillment of all of the following conditions:
The connection between a Referrer and a Referral is established at the moment the Referral's Account is registered and cannot subsequently be changed. If a Referral registered without using a Referral Link or Promo Code, the connection will not be assigned retroactively. Rewards are paid only for first-level referrals; invitations made by a Referrer's Referrals do not generate rewards.
5.3. Amount and Procedure for Crediting
The Referrer is credited 500 VouCoin for each qualified Referral. The current reward amount is published on the Company's website and in the Personal Account.
The reward is calculated following the end of the Settlement Period in which the Referral became qualified. The reward is credited within 5 business days of the end of that Settlement Period. The Company may extend this period to 15 business days when conducting a review under Section 6.
The maximum number of qualified Referrals for which a reward is credited is 50 per calendar month and 500 over the entire period of participation.
Crediting is reflected in the Personal Account. The Company does not disclose the Referral's personal data to the Referrer, except for the anonymized status of the invitation.
5.4. Reward Based on Referral Turnover
In addition to the reward under Section 5.3, the Referrer is credited a monthly reward calculated on the aggregate volume of Qualifying Transactions of their qualified Referrals during the Settlement Period. Qualifying Transactions completed by a Referral after the date on which they were deemed qualified are included in the calculation. Transactions completed before that date, including those that gave rise to qualification, are excluded from the calculation.
The amount of VouCoin credited is calculated on a progressive scale based on the aggregate volume of Qualifying Transactions expressed in Russian roubles, with the applicable rate applied to the portion of volume falling within each band: up to and including RUB 100,000 — 0.5%; above RUB 100,000 and up to and including RUB 1,000,000 — 0.75%; above RUB 1,000,000 — 1%. Amounts are stated in Russian roubles or the equivalent in another currency.
The calculated amount of VouCoin is rounded down to a whole number.
Crediting occurs within 5 business days of the end of the Settlement Period. The Company may extend this period to 15 business days when conducting a review under Section 6.
No reward is credited in respect of transactions cancelled or reversed after completion. Where a transaction is cancelled or reversed after the reward has been credited, the Company may debit the corresponding amount of VouCoin from the Referrer's balance and, if the balance is insufficient, reduce the next credits under the Program by the corresponding amount.
5.5. Rules for Distributing the Referral Link
The Referrer agrees not to use the Company's trademarks, logos, brand identity, or other intellectual property except in the form of official materials provided by the Company, and in a manner that does not create the impression that the Referrer is acting on behalf of the Company.
The Referrer is solely responsible for compliance with advertising and personal data laws when distributing the Referral Link and agrees to compensate the Company for any losses arising from a violation.
6. Restrictions, Verification, and Abuse
The Company may verify compliance with the conditions of the Program and the validity of credits, including through the use of data on devices, IP addresses, payment methods, and behavioral characteristics of accounts, in accordance with the Privacy Policy. Data from the Company's record-keeping systems constitutes proper and sufficient evidence of fulfillment or non-fulfillment of the Program's conditions.
Abuse includes, in particular:
If abuse is identified, the Company may, without prior notice, refuse to credit a reward, cancel previously credited VouCoin of the User and Related Persons, disable the Referral Link, exclude the User from the Program, suspend transactions on the Account, and terminate the User Agreement. Such a decision does not deprive the User of the right to contact Support in accordance with Section 10.
If VouCoin has been credited in error or on the basis of inaccurate data, the Company may debit the corresponding amount of VouCoin and, if insufficient, make a claim for reimbursement.
7. Personal Data and Taxes
The processing of personal data of Program participants is carried out in accordance with the Privacy Policy. By passing on a Referral Link to third parties, a Referrer does not transfer those persons' personal data to the Company; the Company receives a Referral's data directly from them at the time of registration.
A participant is solely responsible for determining, calculating, declaring, and paying any taxes and duties that may arise in connection with participation in the Program in the jurisdiction of their tax residence. The Company is not the participant's tax agent and does not provide tax advice.
8. Term, Amendment, and Termination of the Program
The "Refer a Friend" Program is valid indefinitely until terminated by the Company.
The Company may unilaterally amend the terms of the Program, the reward amount, limits, and deadlines, or terminate the Program, by giving notice on the Company's website and/or in the Personal Account no less than 10 calendar days before the changes take effect, unless a different period is required by law. Amendments to the list of Services and fees in respect of which VouCoin may be used, and to the terms of such use, are made in accordance with Section 3 of this Offer; the notice requirements of this Section do not apply to such amendments.
Changes do not apply to rewards for which the right to receive them arose before the changes took effect.
Continued participation in the Program after the changes take effect constitutes the User's agreement to the new version of the Offer.
A User's participation in the Program terminates upon termination of the Program or upon closure of the Account.
9. Liability
The Company does not guarantee the uninterrupted operation of the Program's interfaces and is not liable for the inability to fulfill its conditions caused by circumstances beyond its reasonable control, including actions of payment service providers and communication failures.
The Company is not liable for the relationship between a Referrer and a Referral.
The Company's liability is limited in the manner and to the extent established by the User Agreement.
10. Support, Governing Law, and Language
Inquiries regarding the Program should be directed to Support at support@vouwallet.io or via the Telegram bot @Wallet_Help_bot. The procedure for handling inquiries is established by the Complaints Handling Procedure.
This Offer and all relationships arising in connection with it are governed by the laws of Dubai, UAE. The competent courts of Dubai, UAE, have exclusive jurisdiction over disputes arising from this Offer.
The official language of interaction is English. Translations of this Offer into other languages are provided solely for the User's convenience; in the event of a discrepancy in interpretation, the English-language version shall prevail.
If any provision of this Offer is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
TECTRIX SERVICE DMCC, a company registered in Dubai, UAE, with registration number DMCC196324, located at Unit No: BA1170, DMCC Business Centre, Level No. 1, Jewellery & Gemplex 3, Dubai, United Arab Emirates.
This Offer is an appendix to the User Agreement and forms an integral part of it. Terms not defined in this Offer are used in the meaning established by the User Agreement. In the event of a discrepancy between this Offer and the User Agreement with respect to the Program, this Offer shall prevail.
This Offer governs the Company's "Refer a Friend" bonus program (the "Program").
1. Definitions
"VouCoin" means a conditional unit of internal accounting used by VouWallet, credited to a User for fulfilling the conditions of the Program. VouCoin is not electronic money, funds, a means of payment, cryptocurrency, a digital financial asset, a token, a security, or any other financial instrument; it is not issued using distributed ledger technology and does not circulate outside the VouWallet service.
"Personal Account" means the section of a User's account in the mobile application or on the VouWallet website that displays the status of participation in the Program and the VouCoin balance.
"Qualifying Transaction" means a successfully completed and non-reversed outgoing payment from a VouWallet Account to a third party — a transfer of funds or a payment for goods, works, or services — made within the limits established by the Company for the relevant payment method. The following do not constitute Qualifying Transactions: funding of the Account; transfers of funds to payment instruments belonging to the User themselves; transfers between Accounts of Related Persons; and transactions cancelled or reversed after completion.
"Referrer" means a VouWallet User who invites another person to use the Company's Services using a Referral Link or Promo Code.
"Referral" means an individual who has registered a VouWallet Account using a Referrer's Referral Link or Promo Code.
"Referral Link" and "Promo Code" mean unique identifiers generated by the Company in the Referrer's Personal Account, allowing a connection to be established between the Referrer and the Referral.
"Settlement Period" means the calendar month following the end of which the Company calculates the amounts accruable under the Program.
"Related Persons" means Users in respect of whom, according to the Company's record-keeping systems, indicators of transactions being in fact carried out by a single person or of common control have been established, including a match of device identifier, IP address, payment method, identity document, mobile phone number, or email address, or cohabitation of the participants, provided that transactions on the relevant Accounts are in fact carried out by a single person or under common control.
Threshold and calculation amounts stated in this Offer in Russian roubles, apply to transactions and values expressed in other currencies at their rouble equivalent, determined at the currency exchange rate applied by the Company as at the date of calculation of the relevant credit.
2. Subject of the Offer and Procedure for Acceptance
The Company credits Users with VouCoin for fulfilling the conditions of the Program in the manner established by Section 5.
The Program is incentive-based in nature and does not constitute a lottery, gambling, a public competition, or a financial pyramid scheme. Rewards under the Program are credited solely in respect of transactions actually carried out on Accounts and are conditional upon the persons introduced completing Qualifying Transactions. Participation in the Program is voluntary and free of charge.
A Referrer is not an agent, representative, or employee of the Company, does not act on its behalf, and has no right to create obligations for the Company toward third parties.
Acceptance of this Offer is deemed to occur upon the first, in chronological order, of the following actions: activation of participation in the Program in the Personal Account; registration of an Account using a Program link or promo code, a Referral Link, or a Promo Code; or the Referrer passing a Referral Link or Promo Code to a third party, as evidenced by that person's registration using it.
By performing any of the above actions, You confirm that You have read this Offer, the User Agreement, the Acceptable Use Policy, and the Privacy Policy, and accept them without reservation.
Participation in the Program does not create an obligation for the Company to open an Account for a specific person and does not limit the Company's rights under the User Agreement, including the right to refuse to open an Account, suspend transactions, or terminate the agreement.
3. Nature and Use of VouCoin
VouCoin does not represent a claim by the User against the Company for the payment of funds. VouCoin may not be withdrawn, exchanged for cash, transferred to another User, inherited, or assigned to third parties.
No interest accrues on VouCoin. VouCoin is not taken into account when calculating the Account balance and does not participate in debit or settlement transactions involving electronic money.
VouCoin may be used to reduce the Company's fees and to pay for the Company's Services. The list of Services and fees in respect of which VouCoin may be used, and the terms of such use, including the amount of VouCoin required to reduce a fee or pay for the relevant Service, are published on the Company's website, apply in the version in force at the time of use, and may be amended by the Company unilaterally from the moment of publication without prior notice.
Amendments to the terms of use of VouCoin apply from the moment of publication, including to VouCoin credited before the date of publication, and do not apply to uses of VouCoin completed before that date.
VouCoin is valid for 365 days from the date of crediting. Upon expiry, unused VouCoin is forfeited without compensation.
VouCoin credited to the User in different Settlement Periods is recorded in a single balance in the Personal Account and is spent in order from the earliest expiry date to the latest.
Upon closure of the Account or termination of the User Agreement for any reason, unused VouCoin is forfeited and is not subject to monetary compensation.
5. "Refer a Friend" Program
5.1. Eligibility
A Referrer may be a User who has reached the age of 18, holds an active VouWallet Account with a confirmed mobile phone number or email address, and has no restrictions on the Account imposed by the Company.
A Referral may be an individual who has reached the age of 18, has not previously held a VouWallet Account, and is not a Related Person in relation to the Referrer.
The residency requirements set out in Section 2 of the User Agreement apply to both participants. A Referrer may not charge Referrals any fee for providing a Referral Link or Promo Code.
5.2. Qualification Conditions for a Referral
A Referral is deemed qualified upon the sequential fulfillment of all of the following conditions:
- registration of a VouWallet Account using the Referrer's Referral Link or Promo Code;
- confirmation of either a mobile phone number or an email address;
- completion of a first Qualifying Transaction of at least RUB 1,000 or the equivalent in another currency, within 48 hours of registration;
- completion of a second Qualifying Transaction of at least RUB 1,000 or the equivalent in another currency, between the 30th and 35th day after the first Qualifying Transaction.
The connection between a Referrer and a Referral is established at the moment the Referral's Account is registered and cannot subsequently be changed. If a Referral registered without using a Referral Link or Promo Code, the connection will not be assigned retroactively. Rewards are paid only for first-level referrals; invitations made by a Referrer's Referrals do not generate rewards.
5.3. Amount and Procedure for Crediting
The Referrer is credited 500 VouCoin for each qualified Referral. The current reward amount is published on the Company's website and in the Personal Account.
The reward is calculated following the end of the Settlement Period in which the Referral became qualified. The reward is credited within 5 business days of the end of that Settlement Period. The Company may extend this period to 15 business days when conducting a review under Section 6.
The maximum number of qualified Referrals for which a reward is credited is 50 per calendar month and 500 over the entire period of participation.
Crediting is reflected in the Personal Account. The Company does not disclose the Referral's personal data to the Referrer, except for the anonymized status of the invitation.
5.4. Reward Based on Referral Turnover
In addition to the reward under Section 5.3, the Referrer is credited a monthly reward calculated on the aggregate volume of Qualifying Transactions of their qualified Referrals during the Settlement Period. Qualifying Transactions completed by a Referral after the date on which they were deemed qualified are included in the calculation. Transactions completed before that date, including those that gave rise to qualification, are excluded from the calculation.
The amount of VouCoin credited is calculated on a progressive scale based on the aggregate volume of Qualifying Transactions expressed in Russian roubles, with the applicable rate applied to the portion of volume falling within each band: up to and including RUB 100,000 — 0.5%; above RUB 100,000 and up to and including RUB 1,000,000 — 0.75%; above RUB 1,000,000 — 1%. Amounts are stated in Russian roubles or the equivalent in another currency.
The calculated amount of VouCoin is rounded down to a whole number.
Crediting occurs within 5 business days of the end of the Settlement Period. The Company may extend this period to 15 business days when conducting a review under Section 6.
No reward is credited in respect of transactions cancelled or reversed after completion. Where a transaction is cancelled or reversed after the reward has been credited, the Company may debit the corresponding amount of VouCoin from the Referrer's balance and, if the balance is insufficient, reduce the next credits under the Program by the corresponding amount.
5.5. Rules for Distributing the Referral Link
The Referrer agrees not to use the Company's trademarks, logos, brand identity, or other intellectual property except in the form of official materials provided by the Company, and in a manner that does not create the impression that the Referrer is acting on behalf of the Company.
The Referrer is solely responsible for compliance with advertising and personal data laws when distributing the Referral Link and agrees to compensate the Company for any losses arising from a violation.
6. Restrictions, Verification, and Abuse
The Company may verify compliance with the conditions of the Program and the validity of credits, including through the use of data on devices, IP addresses, payment methods, and behavioral characteristics of accounts, in accordance with the Privacy Policy. Data from the Company's record-keeping systems constitutes proper and sufficient evidence of fulfillment or non-fulfillment of the Program's conditions.
Abuse includes, in particular:
- self-referral — a Referral registering themselves, as well as inviting Related Persons;
- creating multiple accounts by one person, registering using third parties' data, and providing false, forged, or third-party documents or payment methods;
- concealing connections between accounts, including the use of different devices, payment methods, phone numbers, or IP addresses in order to prevent the identification of indicators of Related Persons;
- using automated tools, emulators, or tools that conceal the technical characteristics of an internet connection;
- transactions with no economic substance carried out solely to fulfill the conditions of the Program, including subsequent cancellation or withdrawal of funds without genuine use of the service;
- inviting persons with no intention of using the Services, including in exchange for payment or other consideration;
- distributing the Referral Link in a manner that violates applicable law or platform rules: mass mailings, spam, search arbitrage on VouWallet brand queries, posting on resources with prohibited content, or using domains and designations confusingly similar to the Company's designations;
- posting the Referral Link together with claims of guaranteed income, investment returns, or other misleading statements made on the Company's behalf;
- using an Account for purposes classified as prohibited activity under the Acceptable Use Policy.
If abuse is identified, the Company may, without prior notice, refuse to credit a reward, cancel previously credited VouCoin of the User and Related Persons, disable the Referral Link, exclude the User from the Program, suspend transactions on the Account, and terminate the User Agreement. Such a decision does not deprive the User of the right to contact Support in accordance with Section 10.
If VouCoin has been credited in error or on the basis of inaccurate data, the Company may debit the corresponding amount of VouCoin and, if insufficient, make a claim for reimbursement.
7. Personal Data and Taxes
The processing of personal data of Program participants is carried out in accordance with the Privacy Policy. By passing on a Referral Link to third parties, a Referrer does not transfer those persons' personal data to the Company; the Company receives a Referral's data directly from them at the time of registration.
A participant is solely responsible for determining, calculating, declaring, and paying any taxes and duties that may arise in connection with participation in the Program in the jurisdiction of their tax residence. The Company is not the participant's tax agent and does not provide tax advice.
8. Term, Amendment, and Termination of the Program
The "Refer a Friend" Program is valid indefinitely until terminated by the Company.
The Company may unilaterally amend the terms of the Program, the reward amount, limits, and deadlines, or terminate the Program, by giving notice on the Company's website and/or in the Personal Account no less than 10 calendar days before the changes take effect, unless a different period is required by law. Amendments to the list of Services and fees in respect of which VouCoin may be used, and to the terms of such use, are made in accordance with Section 3 of this Offer; the notice requirements of this Section do not apply to such amendments.
Changes do not apply to rewards for which the right to receive them arose before the changes took effect.
Continued participation in the Program after the changes take effect constitutes the User's agreement to the new version of the Offer.
A User's participation in the Program terminates upon termination of the Program or upon closure of the Account.
9. Liability
The Company does not guarantee the uninterrupted operation of the Program's interfaces and is not liable for the inability to fulfill its conditions caused by circumstances beyond its reasonable control, including actions of payment service providers and communication failures.
The Company is not liable for the relationship between a Referrer and a Referral.
The Company's liability is limited in the manner and to the extent established by the User Agreement.
10. Support, Governing Law, and Language
Inquiries regarding the Program should be directed to Support at support@vouwallet.io or via the Telegram bot @Wallet_Help_bot. The procedure for handling inquiries is established by the Complaints Handling Procedure.
This Offer and all relationships arising in connection with it are governed by the laws of Dubai, UAE. The competent courts of Dubai, UAE, have exclusive jurisdiction over disputes arising from this Offer.
The official language of interaction is English. Translations of this Offer into other languages are provided solely for the User's convenience; in the event of a discrepancy in interpretation, the English-language version shall prevail.
If any provision of this Offer is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
TECTRIX SERVICE DMCC, a company registered in Dubai, UAE, with registration number DMCC196324, located at Unit No: BA1170, DMCC Business Centre, Level No. 1, Jewellery & Gemplex 3, Dubai, United Arab Emirates.
