Last updated: 7 July 2026
YOUR ATTENTION IS DRAWN IN PARTICULAR TO CLAUSE 7 WHICH LIMITS KOTA'S LIABILITY TO YOU
The below is a plain-English summary of the programme to help you read the Terms.
The programme is Kota’s referral programme which allows eligible individuals and/or entities to introduce clients to Kota who wish to sign up to the Kota platform (the “Programme”).
Individuals and/or entities who provide services with regards to Human Resourcing (HR) functions (such as people operations or total rewards) and employee benefits, advising UK and Ireland employers with 30–2000 employees.
Apply via the online form at kota.io/referral-programme. Submitting the online form confirms you accept these Terms. A Kota team member will review your application and you will receive an email to confirm if you have been accepted onto the Programme only then are you a member of the Programme.
When a client you introduced to Kota signs up to the Kota Platform and pays the corresponding fee (“Referred Customer”), you will receive 10% of the Referred Customer's Year-1 Kota platform subscription fee (“SaaS Fee”) Payment only applies to the platform SaaS fee only, not to insurance premiums or insurance commissions, or any other commissions earned by Kota.
Once you've been accepted on to the Programme, send a warm introduction email to your client with referral@kota.io CC'd. That email is your referral — no separate registration step.
Quarterly, in arrears, once Kota has invoiced and received the corresponding SaaS Fee from the Referred Customer. Payment shall become due or payable to you only when the total amount owed to you has reached or exceeded a minimum threshold of €500 / £500 (five hundred euro / five hundred pounds sterling), as applicable. Any amounts accrued below this threshold shall be carried forward and shall not be released to the You until the cumulative total meets or exceeds the stated minimum.
90 days from the date of your introduction email to the customer signing up to the Kota platform.
Non-exclusive.
Republic of Ireland or England and Wales, as applicable.
A note on scope. This is a pure referral programme. Members introduce prospects; Kota advises, quotes, contracts and invoices directly. Members do not give regulated advice on Kota's behalf, do not handle customer money, and are not authorised to represent Kota's regulated insurance activity. Payment is paid in respect of Kota's unregulated platform subscription fee only; no payment is paid in respect of regulated insurance activity.
Yonder Technology Limited, trading as Kota, is regulated by the Central Bank of Ireland. Registered in Ireland (Company No. 711366) with registered office at 21 Holles Street, Dublin 2, D02 HR94. Yonder Financial Technology Ltd, trading as Kota, is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1006553. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. Registered in England and Wales, under Company Number 14135818. Registered Office Address 34-37 Liverpool St, London EC2M 7PP, United Kingdom.
You can contact us by email at referral@kota.io.
3.1. These Terms apply to the Programme. You can only take part in the Programme — and receive a Referral Reward (as defined in 4.1.3) — if you are a Registered Referrer, as described in clause 3.2.
3.2. Becoming a Registered Referrer. To become a “Registered Referrer”, all of the following must happen, in this order:
1. You complete the application form at kota.io/referral-programme. You must be at least 18 years old. By submitting the form, you confirm that you have read and agree to these Terms. Submitting the online form is how you accept that you will comply with these Terms — there's no separate agreement or signature.
2. A member of the Kota referrals team manually reviews your application. We may decline any application at our sole discretion (for example, where the applicant is outside our ideal profile, is a competitor, or where we're already working with a referee in the same network).
3. We confirm your acceptance by email to the address you provided on the online form. You become a Registered Referrer on the date of that email, and not before. Until you receive that confirmation, you are not a member of the Programme and any introductions you make are not valid referrals under clause 4.
3.3. When we say we, us or our in these terms, we mean Kota. When we say you or your in these terms, we mean a Registered Referrer.
3.4. We can change these Terms at any time by posting an updated version on our website www.kota.io/regulatory/referral-programme-terms. The terms that apply to each referral will be those in force at the time you made the referral.
3.5. We'll handle your personal information in line with our privacy policy.
3.6. Kota may terminate the Programme (and these Terms), or remove you from the Programme, at any time by giving notice to you using the email address you provided when you signed up. You may terminate your participation in the Programme at any time by giving notice to referral@kota.io. Termination does not affect any accrued rights and liabilities of either party up to the date of termination. If Kota terminates the Programme, you will still be eligible to receive Referral Rewards for any Referred Customers you made before termination, in accordance with these Terms. If you terminate, or if we remove you from the Programme for breach of these Terms, you won't be eligible to receive Referral Rewards for any valid referrals you made before termination. Termination does not affect any provisions that expressly or by implication survive termination.
4.1. Here's how you make a referral. You must be a Registered Referrer (clause 3.2) before you make an introduction — introductions made before you have received your acceptance email from Kota do not count as valid referrals.
4.1.1. Identify someone you know personally at a UK or Ireland employer that you think might benefit from moving its employee benefits to Kota. We're typically a fit for employers with between 30 and 1000 employees.
4.1.2. Send them a personalised warm introduction email to their named business email address, with referral@kota.io CC'd on the same email. That introduction email is your referral — there's no separate registration step for the individual referral. We'll acknowledge within five (5) working days and confirm attribution to you, or let you know if we're already in conversation with the prospect.
4.1.3. At or before the point of introduction, tell the person you're referring, in plain language, that Kota will pay you a referral reward solely in respect of SaaS Fees (“Referral Reward”), if a Referred Customer signs. See clause 6.4.
4.2. We're looking for new, personal introductions to businesses we can genuinely help, made by someone who has been accepted on to the Programme. That means introductions made by anyone who is not, at the time of the introduction email, a Registered Referrer under clause 3.2 do not count as valid referrals. Nor do any of the following:
4.2.1. Introductions to businesses that are already Kota customers.
4.2.2. Introductions to generic email addresses (for example: sales@customer.com).
4.2.3. Introductions to non-business email addresses (for example: joebloggs@gmail.com).
4.2.4. Introductions to businesses we're already speaking with about becoming a Kota customer, determined by whether we have already identified them in our CRM system as an active prospect before we receive your introduction email.
4.2.5. Introductions to businesses already introduced by another referee within the last 90 days, determined by which introduction email we receive first.
4.2.6. Introductions to people you don't personally know.
4.2.7. Introductions to businesses with no employees in the United Kingdom or the Republic of Ireland.
4.2.8. Introductions to businesses you have no reasonable basis to believe would be interested in Kota, or introductions made solely to block another Registered Referrer.
4.2.9. Any introductions we (in our sole discretion) determine are not within the spirit of our Programme. For example: automated introductions you make using a bot or script.
4.3. If you don't comply with these Terms, introductions you make will not count as valid referrals and any valid referrals you have previously made will be void.
5.1. If you make a valid referral and that person's business becomes a Referred Customer (meaning they sign a Kota order form) within 90 days after the date of your introduction email, then we'll pay you an amount equal to 10% of the Year-1 SaaS Fee we actually invoice and receive from that customer in respect of the first year of that customer's Kota subscription. This is your Referral Reward.
5.2. Year-1 SaaS Fee means the recurring Kota platform subscription fee — the per-employee SaaS charge — actually invoiced to and collected from the Referred Customer during its first twelve months live on the Kota platform, net of VAT, discounts, credits and refunds.
5.3. For the avoidance of doubt, Year-1 SaaS Fee excludes:
5.3.1. Insurance premiums paid through Kota to underwriters or other product providers;
5.3.2. Brokerage commissions earned by Kota from underwriters or other product providers in respect of insurance products placed for the customer;
5.3.3. One-off implementation, onboarding or professional-services fees; and
5.3.4. Non-recurring charges of any kind.
This restriction is deliberate. Kota is a regulated insurance intermediary, and commission paid to Registered Referrers in respect of any regulated broking activity would alter the regulatory character of the referral. The Referral Reward is payable solely in respect of Kota's unregulated platform subscription fee.
5.4. The Referral Reward is not available if: (a) the business is already a Kota customer when you make the referral; or (b) the business has been an active opportunity in our CRM within 90 days before the date of your introduction email.
5.5. If the Referred Customer expands (for example, headcount grows or new countries are added as compared with the original terms) within the first twelve months live on the Platform, (the “Expansion Subscription Revenue”) this Expansion Subscription Revenue is included in the Year-1 SaaS Fee and attracts the Referral Reward on the same terms. Expansions after month 12 do not attract the Referral Reward.
5.6. Clawback. If a referred customer cancels, refunds, or has its contract terminated within 90 days of going live on Kota, any Referral Reward already paid on that customer will be recovered against future rewards owed to you. After 90 days live, earned Referral Reward is not clawed back for subsequent churn.
5.7. When we pay you. We'll issue you a commission statement quarterly, within 30 days of quarter-end, showing the Year-1 SaaS Fee collected in the quarter and the Referral Reward due to you. You'll issue an invoice to us matching the statement; we'll pay within 30 days of receiving a valid invoice by bank transfer to a business bank account in your name. We won't make payments to personal or unverified accounts. All amounts are exclusive of VAT. It's your responsibility to understand and correctly pay any taxes due on the Referral Reward.
5.8. Currency. The Referral Reward is paid in the currency the customer pays Kota in (GBP or EUR). Kota will not bear foreign-exchange risk on commission conversion.
5.9. In some rare cases we may delay confirming a Referral Reward — for example, where we agree to delay a Referred Customer's payment schedule, or agree a customer break right during the first year that affects whether we receive full payment. If that happens we'll try to honour the spirit of the Programme, but the decision whether to confirm a Referral Reward is at our sole discretion, and our decision is final.
6.1. Non-exclusive. Our Programme isn't exclusive to you. Others can take part in our Programme, and you're free to recommend or work with other vendors, brokers, platforms or referral programmes.
6.2. No authority. You don't have authority to take orders from, or enter contracts with, anyone on Kota's behalf. You must not act like you do either. That means you must not make statements or give promises or guarantees about Kota that go beyond materials we've approved.
6.3. No regulated advice on our behalf. Kota is a regulated insurance intermediary. You are making introductions only. You must not give regulated insurance advice, quote, recommend cover, bind cover, or handle customer money on Kota's behalf. If a prospect asks you a regulated advice question, refer them directly to us.
6.4. Commission disclosure. You must tell each person you refer, in plain language and before they engage with us, that Kota pays you a Referral Reward if they sign. Full transparency is what makes this a recommendation rather than a sales pitch. We will never ask you to hide, understate or delay the payment disclosure.
6.5. Promotional materials. You are not permitted to use any promotional materials to make referrals, unless we've supplied them to you and approved their use.
6.6. No secret income. You are not permitted to make, receive, or accept any undisclosed income, profit or other benefit in connection with our Programme.
6.7. Reputation. You are not permitted to do anything which is likely to harm Kota's reputation or bring Kota into disrepute. In particular, in any communication you make in connection with the Programme, you will not make any disparaging or derogatory statement about Kota or any of its products or services or provider Kota works with.
6.8. No other remuneration. Apart from the Referral Reward, our Programme isn't remunerated. We won't pay you any other fees or reimburse any expenses you incur.
6.9. Anti-bribery and compliance. You must comply with the law in connection with the Programme. You are not permitted to offer, accept or give any bribes, improper payment or advantage, or allow such offers to be made or received on your behalf anywhere in the world. You must comply with the UK Bribery Act 2010 and the Criminal Justice (Corruption Offences) Act 2018 (Ireland). The Referral Reward is commercially reasonable consideration for a legitimate referral service and is not a bribe, facilitation payment or inducement.
6.10. Confidentiality. We'll share some confidential information with you — for example, details of our ideal customer profile, how we qualify sales opportunities, and early product or pricing information (“Confidential Information”). You must keep this information secret, you are not permitted to disclose it to anyone else, and you must only use it for the purpose of our Programme. You agree to delete any copies of Confidential Information that you hold when we ask you to.
6.11. Data protection. Both of us are independent controllers in respect of the prospect data you share with us. You warrant that you have an appropriate lawful basis (typically legitimate interests, supported by appropriate notice to the prospect) to share their business contact details with us for the purpose of us evaluating and pursuing a commercial opportunity. We'll process that data as a controller, in line with our privacy policy. Both you and Kota are required to comply with the UK GDPR, the EU GDPR as enacted in Ireland, the Data Protection Act 2018 (UK) and the Data Protection Act 2018 (Ireland).
6.12 Independent business; no partnership or agency. You enter into and perform under these Terms in the course of your own independent business. Nothing in these Terms creates, and the parties do not intend to create, a partnership, joint venture, agency, fiduciary, employment or franchise relationship between Kota and you. Neither party has authority to bind the other or to incur any obligation on the other's behalf. You will not describe yourself, or permit yourself to be described, as a partner, agent, representative or employee of Kota, and you will make clear in any communications with prospects that you are making an independent introduction. You warrant that (a) you have your own clients and operate your own business activity, of which the Programme is not the sole or principal part; and (b) Kota does not direct or control how you make introductions. You are responsible for all income tax, social insurance, VAT and other taxes payable on Referral Rewards, and you will indemnify Kota against any liability, penalty or interest Kota incurs as a result of any failure by you to account for such taxes correctly, except to the extent that any such liability, penalty or interest arises from Kota's own failure to deduct, withhold or account for any taxes that Kota was required by law to deduct, withhold or account for.
YOUR ATTENTION IS DRAWN IN PARTICULAR TO THIS CLAUSE
7.1. The extent of our liability to you under or in connection with the Programme (regardless of whether that liability arises in tort, contract, or in any other way and whether or not caused by negligence or misrepresentation) is as set out in this clause 7. This clause 7 survives termination of these terms.
7.2 Subject to clause 7.4, Kota's total aggregate liability to you under or in connection with the Programme (whether arising in contract, tort (including negligence), breach of statutory duty, misrepresentation or otherwise) is limited to the total Referral Rewards actually paid by Kota to you in the twelve (12) months immediately preceding the event giving rise to the claim.
7.3 Subject to clause 7.4, Kota will not be liable for: (a) loss of profit; (b) loss of opportunity, business or anticipated savings; (c) loss of goodwill or harm to reputation; (d) loss of data; or (e) any indirect, consequential or special loss, in each case whether direct or indirect and however arising.
7.4 Nothing in these Terms limits or excludes Kota's liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; (c) any other liability that cannot lawfully be limited or excluded.
7.5 All warranties, conditions and other terms implied by statute, common law or otherwise are excluded to the maximum extent permitted by law.
8.1. No third party rights. Nobody other than us or you has any right to enforce any of these terms.
8.2. No assignment. You are not allowed to transfer your rights under these terms to anyone without our prior written consent. We may transfer our rights under these terms to another business without your consent, but we will notify you of the transfer.
8.3. Unenforceable terms. If any provision of these Terms (or part of any provision) is or becomes illegal, invalid or unenforceable, the legality, validity and enforceability of any other provision of these terms will not be affected.
8.4. No waiver. If you breach these terms and we take no action, we will still be entitled to use our rights and remedies in that or any other situation where you breach these terms.
8.5. Variations. You may not vary these Terms, unless we expressly agree in writing. We can vary these terms as set out in clause 3.4.
8.6. Entire agreement. We both agree that these terms constitute the entire agreement between you and us in relation to the Programme. You acknowledge that you have not entered into these terms in reliance on any representation or warranty that is not expressly set out in these terms, and that you will have no claim for innocent or negligent misrepresentation on the basis of any statement in these terms.
8.7. Governing law and jurisdiction. These terms and any dispute arising out of or in connection with them, their subject matter or formation (including non-contractual disputes or claims) will be governed by and construed in accordance with the laws of the Republic of Ireland or the United Kingdom, as may be applicable. We both irrevocably agree that the courts of Ireland will have exclusive jurisdiction to settle any dispute or claim arising out of, or in connection with, these terms, their subject matter or formation (including non-contractual disputes or claims)
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