Hey, luv! Friends with Benefits is Tonik’s referral program. Invite your friends to join Tonik and have them provide your referral code when they register. When they get a Credit Builder loan approved and disbursed, you both earn cash. Win-win. 💜

Here’s the sweet deal, hun:

You earn PHP 500 for every Friend you refer who is new to Tonik to sign up and successfully avail of a Credit Builder Loan.

Your Friend also earns PHP 50.00. 💜

Hello luv, the FwB program is running for a limited time only.

We’re keeping the exact end date flexible so we can tweak the program whenever needed.

If we ever decide to change anything, end it, or take a quick beauty nap break from it, Tonik may do so anytime — with or without prior notice.

So, go ahead and refer your friends while the rewards are hot!

To join the FwB crew, make sure you tick these boxes, luv:

• You have an active or previous Tonik loan.
• If you have an active loan, it should not be past due – no late payments please.
• If you have a previous loan, it should have:
• No past due records exceeding 30 days
• Been paid in full, with at least 3 monthly payments made (or early full repayment, that’s okay too!)

Meet all these? Congrats, you’re officially FwB‑ready. ✨

Anyone who’s not yet part of the Tonik fam and will apply for a Credit Builder Loan.

Bring all your future-Tonik-friends into the circle, luv!

Yes, luv — you can be suspended or removed from FwB if Tonik identifies activity that looks like abuse, misuse, or any attempt to “game” the system.

This includes things like:

• suspicious referrals
• unusual activity patterns
• attempts to trick eligibility rules
• or anything that violates Tonik’s terms

If this happens, Tonik may disable your referral code, pause your ability to earn, or remove you from the program entirely.

Stay on the bright side, luv — play fair and earn fair! ✨

You’ll get an inbox message once you’re eligible.

After that, just open your Profile and you’ll spot the Friends with Benefits tab — your special corner where your referral code proudly lives, ready to be shared with your Friends.

Your code is forever. So no worries, hun – feel free to share it endlessly with all your friends.

Open your Profile, tap Friends with Benefits, grab that referral code, and send it to your friends however you like.

Just remind them to enter it during sign-up — teamwork makes the reward work!

Right at the final step of sign-up.

Tell your friend to type it in before they finish registration, so you both get reward-ready.

Go wild, luv — you can refer up to ten friends!

Any new-to-Tonik friend who gets a Credit Builder Loan = another bonus on your scoreboard.

Patience, luv!

You'll both get your bonuses once your friend applies for a Credit Builder Loan, gets approved, and the loan is disbursed. That’s when the magic happens.

Not yet hun — registration alone isn’t enough. Your friend needs to grab a Credit Builder Loan first to unlock the bonuses.

Head over to Profile → Friends with Benefits.

You’ll see:

1. All the bonuses you’ve earned
2. What’s ready to claim

Check this page to track your FwB “career,” luv!

Easy — tap “Claim Now” inside your FwB page and your entire available bonus will fly straight into your Tonik Savings Account, real‑time.

This usually happens if your loan is past due or if your Tonik account is suspended.

But don’t worry hun, we can still fix this by making sure your past due loan is settle. And your Claim button will pop right back to life.

Your code takes a timeout when you’re past due, luv. That means your friend will see an error message, but they can continue signing up without a code.

Once your payments are back on track (but not exceeding 30 days past due), your code jumps back into action and you can refer again other friends.

Sadly, no.

If the code doesn’t work, the referral doesn’t count.

So luv, stay on top of your payments so you and your friends can enjoy that bonus.

Here’s the breakdown, luv:

Incorrect code? Double-check the spelling and try again.

Invalid code? That means the code isn’t eligible anymore. Just skip the field and continue sign-up like the smooth friend you are.

Nope — we keep everyone’s privacy on lock.

But don’t worry hun, your rewards will still show whenever a referral is successful. That’s a promise.

No. Your referral status is tied to your Tonik account, not your device.

If you settle it before 30 days past due, then yes! Your eligibility will return, and your Claim Now button will reactivate.

But if you go beyond that, then you’re permanently out of the program and any unclaimed rewards will be forfeited. We need some boundaries, luv.

This happens if your loan got 30 days past due. At that point, your eligibility to the program ends for good, and any rewards you have not claimed are forfeited automatically.

You actually receive several reminders, including:

• Notifications as soon as you go past due
• Alerts when your code becomes temporarily disabled
• And a final message if you're past due for 30 days already, explaining permanent ineligibility

We make sure you’re kept in the loop, hun!

FwB rewards are tied to good repayment habits.

If your past due reaches 30 days, the rules require forfeiting all unclaimed rewards.

This keeps the program fair, responsible, and sustainable for the Tonik community.