Referral Program Terms & Conditions

To earn a reward for inviting people to Morse, you need to be a user with access to paid referrals. To check if you're eligible, tap 'Invite' on the home page of your app.

This program is currently available in the United States, Mexico, and Colombia. To earn a reward, both you and the person you invite need to be in one of these three countries.

We may offer paid referrals to different groups of users at different times. For example, we may offer them to users who:

• have recently signed up
• have had a Morse account for a certain amount of time
• live in certain countries
• have done certain types of transactions recently

Or a combination of the above.

How it works

1. Share your invite link with someone who hasn't used Morse before.
2. They open the link, enter their phone number, and sign up to Morse using the same phone number.
3. To qualify, they need to activate a Morse Card and make at least 1 qualifying transaction of at least USD 5 (or the equivalent amount in any currency) within 14 days of signing up. Certain transactions like money transfers, gift cards or gambling do not count towards the reward.
4. We'll add your referral reward directly in your Morse Wallet. The amount is randomly allocated based on the chances below. The person you invited receives the same reward amount as you.

Referral rewards (United States, Mexico, and Colombia):

Reward	Percentage of users who get that reward
USD 10	94%
USD 20	5%
USD 100	1%

You can receive up to 3 referral rewards total across our previous referral program and this program. After that, you can still invite people, but you won't receive a reward. If the person you invite doesn't join Morse and complete a qualifying Morse Card transaction of at least USD 5 (or equivalent in any currency) within 14 days, neither of you will get a reward.

If you or the person you invite isn't in the United States, Mexico, or Colombia, the referral reward program isn't currently available.

Morse reserves the right to modify, withhold or cancel referral rewards, or to suspend or end this promotion at any time, including if we suspect fraud, abuse, or other activity that violates these terms or our policies.