Programa Referidos

1. Acceptance of these Terms and Conditions

These are the Specific Terms and Conditions for the Invite and Earn Program (hereinafter, the "Program"). To participate, you must read and accept them. The Inviter accepts them by requesting their Invitation Code, and the Invitee accepts them by registering with an Invitation Code.

In all matters not provided for herein, the Retorna General Terms and Conditions apply, including those regarding liability, indemnity, and definitions. In the event of a conflict between the two, these Specific Terms and Conditions shall prevail regarding the Program.

The General Terms and Conditions and these Specific Terms and Conditions are mandatory and binding. If you do not accept them, you must refrain from using the Retorna application and/or participating in the Program and the Bonuses offered.

2. How the Program works

Step 1. Become an Inviter. If you meet the requirements in section 6, request your Invitation Code in the "Invite and Earn" section of the app. Your code is permanent: it does not expire, even due to inactivity, and you can share it as many times as you like.

Step 2. Your Invitee registers. A new person registers with Retorna using your code and becomes your Invitee. From that day, they have 90 days (the Goal Period) to reach their country's Goal in delivered remittances, either with a single remittance or by adding several together.

Step 3. Your Invitee meets the Goal and you receive your Bonus. Your Invitee becomes a qualified Invitee, and you receive the Bonus for your Level in your balance, without having to request it. Their Validity Period begins that same day: 90 days during which they count toward your Level.

Step 4. The Validity Period ends. That Invitee stops counting toward your Level. The Bonus you have already received is not lost.

Your Invitees can also request their own Invitation Code and become Inviters, provided they meet the requirements.

3. The two 90-day periods

All periods are counted in calendar days. An Invitee may have two periods, one after the other: first the Goal Period and, only if they meet the Goal on time, the Validity Period.


To determine if the Goal was met within the Goal Period, count the date on which each remittance status is "Delivered" in the app.

If your Invitee does not meet the Goal on time, they can continue using Retorna as normal.

4. Levels

Your Level depends on how many active Invitees you have at any given time. Each Level has a badge that identifies it in the app, in your Invite and Earn section.

As long as you don't have active Referrals, your Level is Promoter. Ambassador is the highest Level.

Your Level can go up or down, because each Referral stops counting once their validity period ends. To maintain or increase it, you need to add new qualified Referrals.

🔒 Dropping a level does not take away the Bonuses you have already received. It only changes the Bonus amount for your next qualified Referrals.

5. The Goal and Bonus by country

You receive a Bonus for each qualified Referral. The amount depends on your country and your Level. The Level used is the one you had just before your Referral met the Goal.

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About the Goal:

  • It is the minimum amount in delivered Remittances that your Referral must send within the goal period.
  • It is measured based on the amount sent, in the currency of the country of origin, before commissions, operating charges, and taxes.
  • It can be reached with a single remittance or by adding several together.

About the Bonus:

  • It is personal and non-transferable.
  • It is credited as a balance in the app and is used according to the Terms and Conditions – Account Balance. It cannot be withdrawn as cash, unless those terms allow it.
  • It is not recalculated if you change Levels later.
  • It is not lost when the validity period ends or when you drop a level. It can only be modified or canceled if it was granted due to human or technical error, or in cases of fraud or misuse as described in sections 7 and 11.

6. Who can participate

To be an Inviter, you need to:

  • Have an active Retorna account with no restrictions.
  • Have at least one delivered Remittance.
  • Request your invitation Code in the "Invite and Earn" section of the app.

To be a Referral, the person must:

  • Never have registered with Retorna before.
  • Enter the invitation code when registering.
  • Have your account registered in the same country as your Referrer. If you register in a different country, the invitation is invalid and will not generate a Bonus.

For the Referrer to receive the Bonus, the Referee must meet the Goal within the Goal Period.

7. Program Rules

About Referees and codes

  • Anyone who registers without an invitation code is not a Referee and does not generate a Bonus. The code cannot be added after registration.
  • Each Referee is associated with only one Referrer: the owner of the code used during registration.
  • You can invite as many people as you like and receive all the Bonuses they generate.
  • You can participate in the Program and other Retorna promotions at the same time, unless the terms of that promotion state otherwise.

About accounts

  • According to the General Terms and Conditions, a person cannot have more than one account.
  • You cannot delete your account and register again to benefit from the Program again.
  • If a Referee deletes their account and registers again, they are not considered a new person and do not generate a Bonus.

Where you can share your code

You can share it with your contacts, on your personal social media, and in WhatsApp groups or other networks.

It is prohibited to:

  1. Create fake accounts, invite yourself, or manipulate the Program in any other way.
  2. Post your code on official Retorna channels: social media, website, post comments, and the like.
  3. Post your code in paid advertisements or on sites that violate the law or Retorna's policies.

If Retorna detects fraud or misuse, it may block accounts, cancel Bonuses, and take other measures without prior notice.

8. Definitions of terms used in this document

9. Program Duration

The Program is effective as of September 23, 2026 in Europe, Chile, Colombia, Peru, and Brazil, for an indefinite period, except as provided in section 11.

10. Limitation of liability and indemnification

The User accepts and acknowledges that the use of the Retorna application and participation in the Program are at their own sole risk. Consequently, the User expressly, irrevocably, and indefinitely agrees to hold Retorna, as well as its related and affiliated companies, shareholders, officers, directors, managers, representatives, and employees, harmless against any claim, demand, penalty, or proceeding of any nature (extrajudicial, administrative, or judicial) initiated by other Users, third parties, or any public authority, that relates directly or indirectly to:

  • The use of the platform and the Program.
  • Failure to comply with these Specific Terms and Conditions or the General Terms and Conditions.
  • Engaging in acts contrary to current regulations, including, but not limited to, fraudulent, inappropriate, or unauthorized activities within the platform.

Furthermore, the User shall be solely responsible for any fine, penalty, or debt of any kind generated as a consequence of their actions within the Retorna application or through its use.

Retorna shall not be liable for any direct, indirect, incidental, or consequential damages, including, without limitation, loss of opportunities, loss or corruption of data, impact on advertising campaigns, service delays or interruptions, technical failures, system errors, or the presence of viruses, except in cases of gross negligence or willful misconduct declared by a final judicial ruling issued by a competent court.

11. Modification, suspension, and termination of the Program

Retorna expressly reserves the right to modify, suspend, or terminate the Program at any time and at its sole discretion, without prior notice and without generating any right to compensation, indemnity, or claims by Users.

Additionally, Retorna reserves the right to suspend accounts, disable invitation Codes, or restrict participation in the Program when it detects, or has reasonable grounds to suspect, abusive, fraudulent, or behavior contrary to these Terms and Conditions or its internal policies. In such cases, it may review, investigate, and take any measures it deems necessary, including the cancellation or modification of Bonuses, without prejudice to any applicable legal actions.

12. Privacy Policy

Retorna safeguards the privacy and protection of Users' personal data in accordance with its Privacy Policy, available on the official Retorna website.

13. Contact

If you have questions about the Program, please write to the Retorna support team through the official channels available in the application.

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