Referral Program Terms and Conditions
Last Modified: Sep 02, 2026
Pathfinder Referral Program: Terms And Conditions
These Referral Program Terms and Conditions ("Referral Terms") govern your participation in the Pathfinder Referral Program ("Program") offered by Pathfinder AI, Inc. ("Company," "Pathfinder," "we," or "us"). These Referral Terms supplement, and are incorporated into, the Pathfinder Terms of Use available at www.pathfindercard.com ("Terms of Use"). By participating in the Program, you agree to be bound by these Referral Terms and the Terms of Use. Capitalized terms not defined herein have the meanings assigned to them in the Terms of Use. In the event of any conflict between these Referral Terms and the Terms of Use, these Referral Terms will control with respect to the Program.
1. Program Overview
The Program is a referral program through which eligible Pathfinder users ("Referrers") may refer new users ("Referees") to Pathfinder. The Referrer may earn an incentive ("Referral Credits") in the form of gift cards or other incentives (defined below), subject to the terms and conditions set forth herein. Referral Credits are funded by Pathfinder from its own operating budget and are not funded by, reimbursed through, or sourced from any state educational savings account ("ESA") program or government funds.
2. Eligibility
2.1 Referrer Eligibility
To participate as a Referrer, you must: (a) have been specifically selected and invited by Pathfinder to participate in the Program; (b) be a primary Pathfinder Education Visa® Charge Card ("Card") cardholder; or (c) have access to the applicable pre-approval tool and verified eligibility for the ESA; and (d) be in compliance with the Terms of Use and all applicable state ESA program requirements through the duration of your participation in the Program.
2.2 Referee Eligibility
To qualify as a Referee, you must: (a) be a new Pathfinder user who does not currently hold, and has not previously held, a Pathfinder Card or has not been granted access to the pre-approval tool; and (b) complete registration for the pre-approval tool, that includes downloading the Pathfinder Card app, verifying phone number and providing full name.
A Referee will become eligible to receive a Referral Credit only after completing their first check on the pre-approval tool.
3. How Referrals Work
3.1 Referral Process
The Referee must enter the Referrer's full name or referral code provided by Pathfinder during registration. Referrals that cannot be matched to a Referrer (due to misspellings, omitted names, inaccurate referral codes or other errors) will not be credited unless Pathfinder, in its sole discretion, is able to verify and match the referral.
3.2 Qualifying Referral
A "Qualifying Referral" means that the Referee: (a) enters the Referrer's full name or referral code during the registration for the pre-approval tool; (b) registers for the pre-approval tool; and (c) completes their first pre-approval check. All conditions must be satisfied for both the Referrer and Referee to qualify for any Referral Credits.
3.3 Referrer Limits
There are no limits to Qualifying Referrals during the Referral Period.
3.4 Referee Limits
Referees will be awarded one Referral Credit upon completing a Qualifying Referral.
3.5 Referral Period
The Program begins on September 14, 2026 and ends on October 07, 2026 ("Program Period"). Referees must register for the pre-approval tool and complete at least one pre-approval tool check, during the Program Period. Referee registrations completed after the Program Period will not be eligible for Referral Credit.
4. Referral Credits
4.1 Referrer Credits
Upon each Qualifying Referral, the Referrer will earn one Referral Credit worth $5.00. Referral Credits will be available to the Referrer within three (3) days after the Qualifying Referral is completed.
4.2 Referee Credits
The Referee will earn one Referral Credit worth $5.00 after completing their first pre-approval tool check. Referral Credits will be applied according to these Referral Terms.
4.3 Credit Redemption
Each Referral Credit is provided in the form of a single Amazon.com Gift Card. A redemption link will be sent by text message to the phone number registered in the Pathfinder Card app. Amazon.com Gift Cards are issued by a third party and subject to that third party's terms, available at amazon.com/gc-legal. Amazon is not a sponsor of the Program and is not affiliated with Pathfinder. Pathfinder is not responsible for gift cards or redemption links that are lost, stolen, undeliverable, or unredeemed, or for the acts or omissions of the gift-card issuer.
5. Referrer Representations and Obligations
By participating in the Program as a Referrer, you represent and warrant that:
- You have a personal relationship with each individual you refer.
- You have obtained the necessary permission from each individual before sending them your referral by text message, email, or other means.
- You will not engage in spamming, harassment, or misrepresentation in connection with the Program and you will comply with applicable law.
- You will not refer yourself, create fictitious accounts, or otherwise attempt to manipulate the Program.
- FTC Disclosure. When sharing your referral, you acknowledge that you will receive a financial benefit ($5.00 Referral Credit) if your referral results in a Qualifying Referral. Under Federal Trade Commission guidelines, this benefit constitutes a material connection that must be disclosed to each individual you refer. You understand that Pathfinder may, in its sole discretion, include this information in communications to each Referee.
- When you share your referral link, you will disclose that you are a Pathfinder user. You do so at your own discretion and risk.
- The Pathfinder Card is subject to the disclosure requirements of the Truth in Lending Act (15 U.S.C. § 1601 et seq.) and Regulation Z (12 CFR Part 1026). Nothing in these Referral Terms modifies or supersedes the disclosures required to be made to a Referee in connection with the application for, and opening of, a Pathfinder Card account. Participation in the Program does not alter a Referee's right to receive all required credit cost disclosures prior to account opening. Any referral-triggered application flow will present Referees with complete and accurate application disclosures as required by applicable law, independent of and in addition to these Referral Terms. Referrers are not authorized to make representations about the terms, rates, fees, or credit terms of the Pathfinder Card on Pathfinder's behalf, and any such representations will not be binding on Pathfinder or Column, N.A.
6. Privacy, Data Sharing, and Consent
6.1 Referrer Notifications
As part of the Program, Pathfinder may notify the Referrer when a Referee has completed registration for the pre-approval tool and when the Referee's first pre-approval tool check has been completed. These notifications may include the Referee's name.
6.2 Referee Consent
By entering a Referrer's name or referral code during the registration process and accepting these Referral Terms, the Referee consents to Pathfinder sharing the following limited information with the Referrer: (a) the Referee's name; (b) the Referee's registration status; and (c) confirmation that the Referee has completed their first pre-approval tool check. No other personal information, financial information, or transaction details will be shared with the Referrer.
6.3 Privacy Policy
All personal information collected in connection with the Program is subject to Pathfinder's Privacy Policy, in addition to these Referral Terms. By participating in the Program, you consent to the collection, use, and limited disclosure of your information as described in these Referral Terms and the Privacy Policy.
7. Tax Responsibilities
Referral Credits may be considered taxable income. You are solely responsible for reporting the value of any Referral Credits received and for paying any applicable taxes. If the aggregate value of Referral Credits and any other rewards or incentives you receive from Pathfinder equals or exceeds the applicable IRS reporting threshold in a calendar year, Pathfinder may be required to issue a Form 1099-MISC or other tax information reporting form to you and to the IRS. By participating in the Program, you agree to provide Pathfinder with any information reasonably necessary for tax reporting purposes upon request.
8. Fraud and Program Abuse
8.1
Pathfinder reserves the right, in its sole discretion, to disqualify any participant from the Program and to forfeit, invalidate, or recover any Referral Credits if Pathfinder determines or reasonably believes that such credits were earned through error, fraud, abuse of Program privileges, or violation of these Referral Terms. This includes, without limitation: (a) self-referrals; (b) referrals to existing Pathfinder users or previously terminated users; (c) use of fake, misleading, or duplicate accounts; (d) any scheme to artificially generate Qualifying Referrals; and (e) misrepresentations in connection with the Program.
8.2
Pathfinder may investigate any suspected Program abuse and may suspend or terminate your participation during any such investigation. Program abuse may also constitute grounds for termination of your access to the Services under the Terms of Use.
9. Program Modification and Termination
9.1
Pathfinder reserves the right to modify, suspend, or terminate the Program, or any aspect of it, at any time, with or without notice, in its sole discretion. Modifications may include changes to Referral Credit amounts, eligibility requirements, qualifying activities, or Program structure.
9.2
No new Referral Credits will be earned after the Program termination date.
9.3
If your Pathfinder account is closed or is no longer in good standing, you will forfeit any unearned Referral Credits.
9.4
Pathfinder reserves the right to delay or not enforce any of its rights under these Referral Terms without waiving or losing the right to enforce them later.
10. No Warranty; Limitation of Liability
10.1
The Program is provided "as is" and "as available." Pathfinder makes no warranties, express or implied, regarding the Program, including any warranty that the Program will operate without interruption or error.
10.2
Pathfinder is not responsible for: (a) Referral Credits that are not earned due to technical errors, referral matching failures, or incomplete registrations; or (b) any adverse tax consequences resulting from participation in the Program.
10.3
To the fullest extent permitted by law, Pathfinder's aggregate liability arising out of or relating to the Program will not exceed the total value of Referral Credits earned by you under the Program.
10.4
The limitation of liability and disclaimer of warranties provisions in the Terms of Use apply to the Program.
11. Dispute Resolution
Any dispute or claim arising out of or relating to these Referral Terms or the Program will be resolved in accordance with the arbitration provision and class action waiver set forth in the Terms of Use. These Referral Terms are subject to the governing law and jurisdiction provisions of the Terms of Use.
12. General Provisions
12.1
These Referral Terms, together with the Terms of Use, Privacy Policy, and Electronic Consent Agreement, constitute the entire agreement between you and Pathfinder with respect to the Program.
12.2
Pathfinder's failure to exercise or enforce any right or provision of these Referral Terms will not constitute a waiver of such right or provision.
12.3
If any provision of these Referral Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
12.4
These Referral Terms may not be assigned by you without Pathfinder's prior written consent.
12.5
Questions about the Program may be directed to support@pathfindercard.com or (833) 348-6330.