[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"Layout-en":3,"TermsInfo-en-bnka-referral-program":154},{"data":4,"meta":153},{"id":5,"documentId":6,"createdAt":7,"updatedAt":8,"publishedAt":9,"locale":10,"header":11,"footer":72},1,"fsav9o5pbuhqqfjn9f11eypr","2025-06-13T16:13:53.009Z","2026-07-01T13:47:25.068Z",null,"en",{"id":5,"menu":12},[13,44,63,67],{"id":14,"label":15,"url":9,"isExternal":16,"submenu":17},19,"Services",false,[18,24,29,34,39],{"id":19,"label":20,"type":21,"isExternal":16,"url":22,"regions":23,"img":9},575,"Multimedia Balance Management","primary","https:\u002F\u002Fbnka.com\u002Fen\u002Fmultimedia-balance-management",[],{"id":25,"label":26,"type":21,"isExternal":16,"url":27,"regions":28,"img":9},139,"Multi-currency accounts","https:\u002F\u002Fbnka.com\u002Fen\u002Fmulti-currency-accounts",[],{"id":30,"label":31,"type":21,"isExternal":16,"url":32,"regions":33,"img":9},140,"International cards","https:\u002F\u002Fbnka.com\u002Fen\u002Fbnka-cards",[],{"id":35,"label":36,"type":21,"isExternal":16,"url":37,"regions":38,"img":9},141,"Send and Receive","https:\u002F\u002Fbnka.com\u002Fen\u002Fsend-and-receive-money",[],{"id":40,"label":41,"type":21,"isExternal":16,"url":42,"regions":43,"img":9},143,"Bill payment","https:\u002F\u002Fbnka.com\u002Fen\u002Fpay-bills",[],{"id":45,"label":46,"url":9,"isExternal":16,"submenu":47},20,"Use cases",[48,53,58],{"id":49,"label":50,"type":21,"isExternal":16,"url":51,"regions":52,"img":9},144,"For Expats","https:\u002F\u002Fbnka.com\u002Fen\u002Ffor-expats",[],{"id":54,"label":55,"type":21,"isExternal":16,"url":56,"regions":57,"img":9},145,"For Freelancers","https:\u002F\u002Fbnka.com\u002Fen\u002Ffor-freelancers",[],{"id":59,"label":60,"type":21,"isExternal":16,"url":61,"regions":62,"img":9},146,"For Students","https:\u002F\u002Fbnka.com\u002Fen\u002Ffor-students",[],{"id":5,"label":64,"url":65,"isExternal":16,"submenu":66},"BNKA Academy","https:\u002F\u002Fbnka.com\u002Fen\u002Fblog",[],{"id":68,"label":69,"url":70,"isExternal":16,"submenu":71},142,"Help","https:\u002F\u002Fbnka.com\u002Fen\u002Ffaqs",[],{"id":5,"footereu":73,"footerworld":73,"copyrighy":74,"footerarg":75,"footerco":9,"footerper":75,"links":76,"socialmedia":96},"\u003Cp class=\"font-claude-response-body break-words whitespace-normal\">BNKA is a global platform whose technological infrastructure is operated and made available by Neoxpat Limited. BNKA acts solely and exclusively as a technology provider offering an access interface to financial services. BNKA does not offer or provide financial services, nor does it carry out any activity proper to financial entities that require authorization to operate.\u003C\u002Fp>\u003Cp class=\"font-claude-response-body break-words whitespace-normal\">Payment account services, balances in fiat currencies (such as Euros or Argentine Pesos), the issuance of virtual identifiers, and associated transfer channels are provided entirely by duly regulated and authorized third-party entities (including Block Digital UAB for the European Economic Area, and the corresponding authorized local providers in each jurisdiction in Latin America).\u003C\u002Fp>\u003Cp class=\"font-claude-response-body break-words whitespace-normal\">Access to any tool or service through the platform is subject to full acceptance of the General Terms and Conditions and the privacy policies applicable in each region.\u003C\u002Fp>","All rights reserved.","",[77,83,88,92],{"id":78,"label":79,"type":21,"isExternal":80,"url":81,"regions":82,"img":9},17,"Request from authorities",true,"https:\u002F\u002Fbnka.com\u002Fen\u002Fauthority",[],{"id":84,"label":85,"type":21,"isExternal":80,"url":86,"regions":87,"img":9},18,"Terms and Conditions","https:\u002F\u002Fbnka.com\u002Fen\u002Fterms",[],{"id":14,"label":89,"type":21,"isExternal":80,"url":90,"regions":91,"img":9},"Help Center","https:\u002F\u002Fsupport.bnka.com\u002Fhc\u002Fen",[],{"id":93,"label":94,"type":21,"isExternal":16,"url":70,"regions":95,"img":9},239,"FAQs",[],[97,114,127,140],{"id":5,"url":98,"icon":99},"https:\u002F\u002Fwww.facebook.com\u002Fprofile.php?id=61565854045769&sk=about",{"id":100,"documentId":101,"name":102,"alternativeText":9,"caption":9,"width":103,"height":103,"formats":104,"hash":105,"ext":106,"mime":107,"size":108,"url":109,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":111,"createdAt":112,"updatedAt":113,"publishedAt":112,"locale":9,"focalPoint":9},12,"oxs3u9bpzbr4vevp6jq8g6pt","icon_facebook.svg",55,{},"icon_facebook_47c5fb84b2",".svg","image\u002Fsvg+xml",1.02,"\u002Fuploads\u002Ficon_facebook_47c5fb84b2.svg","local","\u002F","2025-06-13T15:21:07.080Z","2025-07-31T21:24:31.427Z",{"id":115,"url":116,"icon":117},2,"https:\u002F\u002Fwww.instagram.com\u002Fbnkafinance\u002F",{"id":118,"documentId":119,"name":120,"alternativeText":9,"caption":9,"width":103,"height":103,"formats":121,"hash":122,"ext":106,"mime":107,"size":123,"url":124,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":111,"createdAt":125,"updatedAt":126,"publishedAt":125,"locale":9,"focalPoint":9},15,"ny3bdlb8q0ufimb7oeww4amm","icon_instagram.svg",{},"icon_instagram_a7dfce98dc",3.74,"\u002Fuploads\u002Ficon_instagram_a7dfce98dc.svg","2025-06-13T15:21:07.400Z","2025-07-31T21:24:01.242Z",{"id":128,"url":129,"icon":130},3,"https:\u002F\u002Fwww.linkedin.com\u002Fcompany\u002Fbnkafinance\u002F",{"id":131,"documentId":132,"name":133,"alternativeText":9,"caption":9,"width":103,"height":103,"formats":134,"hash":135,"ext":106,"mime":107,"size":136,"url":137,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":111,"createdAt":138,"updatedAt":139,"publishedAt":138,"locale":9,"focalPoint":9},14,"gsf436uo8y6f0pw74km1s15s","icon_linkedin.svg",{},"icon_linkedin_374d225e11",2.16,"\u002Fuploads\u002Ficon_linkedin_374d225e11.svg","2025-06-13T15:21:07.396Z","2025-07-31T21:24:13.668Z",{"id":141,"url":142,"icon":143},4,"https:\u002F\u002Fx.com\u002Fbnkafinance",{"id":144,"documentId":145,"name":146,"alternativeText":9,"caption":9,"width":103,"height":103,"formats":147,"hash":148,"ext":106,"mime":107,"size":149,"url":150,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":111,"createdAt":151,"updatedAt":152,"publishedAt":151,"locale":9,"focalPoint":9},16,"v890mzdrz0efvo834h4bmw3z","icon_x.svg",{},"icon_x_d235889658",1.34,"\u002Fuploads\u002Ficon_x_d235889658.svg","2025-06-13T15:21:07.409Z","2025-07-31T21:23:21.099Z",{},{"data":155,"meta":182},[156],{"id":157,"documentId":158,"title":159,"slug":160,"content":161,"createdAt":162,"updatedAt":163,"publishedAt":9,"locale":10,"link":9,"type":164,"order":165,"region":166,"pdf":9,"seo":9},269,"e5l24e7t6on9cnpeaowehbkm","BNKA Referral Program","bnka-referral-program","\u003Ch2>\u003Cstrong data-start=\"0\" data-end=\"24\">Terms and Conditions\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp data-start=\"0\" data-end=\"102\">Version 1.3 – February 2026\u003C\u002Fp>\u003Ch3 data-start=\"109\" data-end=\"146\">1. Identification of the Issuer\u003C\u002Fh3>\u003Cp data-start=\"148\" data-end=\"400\">The Referral Program is offered by BNKA, a brand operated by entities within the Neoxpat group, which provide technology services and access to financial infrastructure through duly regulated third-party providers, as applicable in each jurisdiction.\u003C\u002Fp>\u003Cp data-start=\"402\" data-end=\"650\">BNKA does not act as a bank, payment institution, or investment services provider. It does not provide financial, tax, or investment advice. The services available may vary depending on the user’s location and the applicable regulatory framework.\u003C\u002Fp>\u003Ch3 data-start=\"657\" data-end=\"691\">2. Definition of the Program\u003C\u002Fh3>\u003Cp data-start=\"693\" data-end=\"1139\">The BNKA Referral Program (hereinafter, the “Program”) allows existing and verified users of the BNKA platform (hereinafter, “BNKA” or the “Platform”) to invite new users to register using a personal invitation code. As a promotional incentive, BNKA may grant internal promotional credits, applicable exclusively as a discount on service fees for certain transactions carried out within the Platform, subject to the conditions set forth herein.\u003C\u002Fp>\u003Ch3 data-start=\"1146\" data-end=\"1187\">3. Nature of the Promotional Credit\u003C\u002Fh3>\u003Cp data-start=\"1189\" data-end=\"1241\">The promotional credit granted under this Program:\u003C\u002Fp>\u003Cul data-start=\"1243\" data-end=\"1882\">\u003Cli data-start=\"1243\" data-end=\"1312\">\u003Cp data-start=\"1245\" data-end=\"1312\">Does not constitute cash, monetary value, or currency equivalent.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"1313\" data-end=\"1403\">\u003Cp data-start=\"1315\" data-end=\"1403\">Is non-transferable, non-withdrawable, and cannot be converted into available balance.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"1404\" data-end=\"1455\">\u003Cp data-start=\"1406\" data-end=\"1455\">Does not accrue interest or generate any yield.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"1456\" data-end=\"1665\">\u003Cp data-start=\"1458\" data-end=\"1665\">May only be used as an automatic discount applied exclusively to the service fee charged by BNKA in eligible transactions. It does not apply to exchange rates, spreads, or the principal transaction amount.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"1666\" data-end=\"1882\">\u003Cp data-start=\"1668\" data-end=\"1882\">References to “USD” in this document are for indicative purposes only, as an estimated reference value at the time of activation, and do not constitute a promise of exchange rate, parity, or monetary equivalence.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch3 data-start=\"1889\" data-end=\"1944\">4. Definition of “Swap” and Eligible Transactions\u003C\u002Fh3>\u003Cp data-start=\"1946\" data-end=\"2235\">For the purposes of this Program, a “swap” or “exchange” means an internal conversion transaction of digital assets or currencies (between digital assets, or between digital assets and fiat currency), executed within the BNKA Platform through external technology and liquidity providers.\u003C\u002Fp>\u003Cp data-start=\"2237\" data-end=\"2294\">The following are not considered eligible transactions:\u003C\u002Fp>\u003Cul data-start=\"2296\" data-end=\"2460\">\u003Cli data-start=\"2296\" data-end=\"2330\">\u003Cp data-start=\"2298\" data-end=\"2330\">Withdrawals from the Platform.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2331\" data-end=\"2362\">\u003Cp data-start=\"2333\" data-end=\"2362\">Transfers between accounts.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2363\" data-end=\"2410\">\u003Cp data-start=\"2365\" data-end=\"2410\">Transactions executed outside the Platform.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2411\" data-end=\"2460\">\u003Cp data-start=\"2413\" data-end=\"2460\">Reversed, canceled, or disputed transactions.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp data-start=\"2462\" data-end=\"2540\">Transaction eligibility shall be automatically determined by BNKA’s systems.\u003C\u002Fp>\u003Ch3 data-start=\"2547\" data-end=\"2599\">5. Eligibility and Jurisdictional Restrictions\u003C\u002Fh3>\u003Cp data-start=\"2601\" data-end=\"2795\">The Program is available only to individuals of legal age who reside in jurisdictions where participation in this type of promotional program is not prohibited or restricted by applicable law.\u003C\u002Fp>\u003Cp data-start=\"2797\" data-end=\"2833\">The following may not participate:\u003C\u002Fp>\u003Cul data-start=\"2835\" data-end=\"3218\">\u003Cli data-start=\"2835\" data-end=\"2931\">\u003Cp data-start=\"2837\" data-end=\"2931\">Individuals listed on international sanctions lists (OFAC, EU, UN, or others as applicable).\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2932\" data-end=\"3015\">\u003Cp data-start=\"2934\" data-end=\"3015\">Politically Exposed Persons (PEPs), where determined by BNKA’s internal policy.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"3016\" data-end=\"3127\">\u003Cp data-start=\"3018\" data-end=\"3127\">Individuals suspected of fraud, unlawful activities, or non-compliance with applicable AML\u002FCFT regulations.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"3128\" data-end=\"3218\">\u003Cp data-start=\"3130\" data-end=\"3218\">Individuals whose identity cannot be verified in accordance with BNKA’s KYC standards.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch3 data-start=\"3225\" data-end=\"3262\">6. Credit Activation Conditions\u003C\u002Fh3>\u003Cp data-start=\"3264\" data-end=\"3386\">The promotional credit will be activated only when the referred user cumulatively meets all of the following conditions:\u003C\u002Fp>\u003Cul data-start=\"3388\" data-end=\"3750\">\u003Cli data-start=\"3388\" data-end=\"3454\">\u003Cp data-start=\"3390\" data-end=\"3454\">Full registration on the Platform using a valid referral code.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"3455\" data-end=\"3515\">\u003Cp data-start=\"3457\" data-end=\"3515\">Successful identity verification (KYC) approved by BNKA.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"3516\" data-end=\"3750\">\u003Cp data-start=\"3518\" data-end=\"3750\">Execution of an eligible swap transaction with an estimated equivalent value equal to or greater than USD 150 (one hundred fifty reference dollars), calculated according to BNKA’s internal reference value at the time of execution.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch3 data-start=\"3757\" data-end=\"3803\">7. Promotional Credit: Amount and Limits\u003C\u002Fh3>\u003Cp data-start=\"3805\" data-end=\"4083\">Once the activation conditions are met, both the referring user and the referred user may receive a promotional credit of up to five (5) credit units each (estimated equivalent: USD 5), with a maximum total of ten (10) credit units per referral (estimated equivalent: USD 10).\u003C\u002Fp>\u003Cp data-start=\"4085\" data-end=\"4176\">The USD value indicated is an estimated reference at the time of activation and may vary.\u003C\u002Fp>\u003Cp data-start=\"4178\" data-end=\"4353\">The use of “USD” is strictly for reference purposes and does not imply the delivery of fiat currency. BNKA does not guarantee parity, exchange rate, or monetary equivalence.\u003C\u002Fp>\u003Ch3 data-start=\"4360\" data-end=\"4413\">8. Application, Validity, and Use of the Credit\u003C\u002Fh3>\u003Cp data-start=\"4415\" data-end=\"4597\">The promotional credit is automatically applied as a discount on the service fee in future eligible transactions (swaps), each with a minimum estimated equivalent value of USD 150.\u003C\u002Fp>\u003Cp data-start=\"4599\" data-end=\"4831\">If the transaction fee is lower than the available credit balance, the credit will be partially consumed, and the remaining balance will roll over to future eligible transactions until exhausted or expired, whichever occurs first.\u003C\u002Fp>\u003Cp data-start=\"4833\" data-end=\"4919\">The credit will remain valid for ninety (90) calendar days from the activation date.\u003C\u002Fp>\u003Cp data-start=\"4921\" data-end=\"5049\">After this period, any unused credit will automatically expire without the right to compensation, reimbursement, or extension.\u003C\u002Fp>\u003Cp data-start=\"5051\" data-end=\"5169\">The credit will be immediately forfeited in the event of account closure, whether voluntary or at BNKA’s discretion.\u003C\u002Fp>\u003Ch3 data-start=\"5176\" data-end=\"5223\">9. Limits, Abuse Prevention, and Reversal\u003C\u002Fh3>\u003Cp data-start=\"5225\" data-end=\"5266\">To ensure the integrity of the Program:\u003C\u002Fp>\u003Cul data-start=\"5268\" data-end=\"5622\">\u003Cli data-start=\"5268\" data-end=\"5330\">\u003Cp data-start=\"5270\" data-end=\"5330\">A maximum of three (3) valid referrals per referring user.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"5331\" data-end=\"5388\">\u003Cp data-start=\"5333\" data-end=\"5388\">One (1) referral per verified identity or per device.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"5389\" data-end=\"5622\">\u003Cp data-start=\"5391\" data-end=\"5622\">The following are prohibited: self-referrals, creation of multiple accounts by the same individual, use of third-party identity data, and commercial, advertising, or affiliate campaigns without BNKA’s prior written authorization.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp data-start=\"5624\" data-end=\"5787\">BNKA uses technical device identifiers and other automated mechanisms solely to prevent abuse and fraud in the Program, in accordance with BNKA’s Privacy Policy.\u003C\u002Fp>\u003Cp data-start=\"5789\" data-end=\"6087\">\u003Cstrong data-start=\"5789\" data-end=\"5809\">Reversal clause:\u003C\u002Fstrong> BNKA reserves the right to deny, suspend, reverse, or cancel promotional credits if it detects or reasonably suspects fraud, Program abuse, breach of these Terms, indications of AML\u002FCFT violations, or any conduct that compromises the integrity of the Program or the Platform.\u003C\u002Fp>\u003Cp data-start=\"6089\" data-end=\"6260\">\u003Cstrong data-start=\"6089\" data-end=\"6107\">Review window:\u003C\u002Fstrong> BNKA may apply a post-activation review period before enabling effective use of the credit to validate the legitimacy of the transaction and referral.\u003C\u002Fp>\u003Ch3 data-start=\"6267\" data-end=\"6301\">10. Legal Notice – No Advice\u003C\u002Fh3>\u003Cp data-start=\"6303\" data-end=\"6659\">The Program does not constitute and shall not be interpreted as financial advice, investment recommendation, solicitation to trade digital assets, or promotion of a risky activity. The promotional credit is a limited commercial incentive that solely reduces the service fee cost for transactions that the user freely and independently chooses to execute.\u003C\u002Fp>\u003Cp data-start=\"6661\" data-end=\"6863\">Users are solely responsible for assessing the risks associated with transactions carried out on the Platform. BNKA does not provide recommendations regarding the suitability of specific transactions.\u003C\u002Fp>\u003Ch3 data-start=\"6870\" data-end=\"6904\">11. Personal Data Protection\u003C\u002Fh3>\u003Cp data-start=\"6906\" data-end=\"7069\">Participation in the Program involves the processing of personal data for identity verification, fraud and abuse prevention, and proper execution of the Program.\u003C\u002Fp>\u003Cp data-start=\"7071\" data-end=\"7381\">Data processing is carried out in accordance with BNKA’s Privacy Policy, available on the Platform, and applicable data protection regulations, including the General Data Protection Regulation (GDPR), where applicable. The legal basis for processing is legitimate interest and\u002For applicable legal obligation.\u003C\u002Fp>\u003Cp data-start=\"7383\" data-end=\"7585\">Users may exercise their rights of access, rectification, erasure, and objection (ARCO rights) or their equivalents under applicable law by contacting BNKA through the channels indicated in clause 13.\u003C\u002Fp>\u003Ch3 data-start=\"7592\" data-end=\"7630\">12. Modifications to the Program\u003C\u002Fh3>\u003Cp data-start=\"7632\" data-end=\"7743\">BNKA may modify, suspend, or cancel the Program at any time for operational, regulatory, or security reasons.\u003C\u002Fp>\u003Cp data-start=\"7745\" data-end=\"8006\">Where modifications are material, BNKA will notify users via the app and\u002For email with reasonable prior notice, unless the modification is required for security, fraud prevention, or regulatory compliance reasons, in which case it may take effect immediately.\u003C\u002Fp>\u003Cp data-start=\"8008\" data-end=\"8242\">Modifications will not have retroactive effect on credits already applied or effectively used by users. Participation in the Program implies full and unconditional acceptance of these Terms and Conditions and any amendments thereto.\u003C\u002Fp>\u003Ch3 data-start=\"8249\" data-end=\"8278\">13. Claims and Disputes\u003C\u002Fh3>\u003Cp data-start=\"8280\" data-end=\"8381\">For inquiries or claims related to the Program, users may contact:\u003Cbr>\u003Ca class=\"decorated-link\" data-start=\"8349\" data-end=\"8379\" rel=\"noopener\" target=\"_new\">\u003Ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\u002F\u002Fsupport.bnka.com\u002Fhc\u002Fes\">https:\u002F\u002Fsupport.bnka.com\u002Fhc\u002Fes\u003Cspan class=\"ms-0.5 inline-block align-middle leading-none\" aria-hidden=\"true\">\u003Csvg class=\"block h-[0.75em] w-[0.75em] stroke-current stroke-[0.75]\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\" width=\"20\" height=\"20\" aria-hidden=\"true\" data-rtl-flip=\"\">\u003Cuse href=\"\u002Fcdn\u002Fassets\u002Fsprites-core-mxwopdm6.svg#304883\" fill=\"currentColor\">\u003C\u002Fuse>\u003C\u002Fsvg>\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fa>\u003C\u002Fp>\u003Cp data-start=\"8383\" data-end=\"8659\">Users shall have thirty (30) calendar days from the date on which the credit should have been activated to submit a claim. BNKA undertakes to respond within a reasonable timeframe. Claims must include: user identification, referral code used, and a description of the issue.\u003C\u002Fp>\u003Ch3 data-start=\"8666\" data-end=\"8706\">14. Governing Law and Jurisdiction\u003C\u002Fh3>\u003Cp data-start=\"8708\" data-end=\"8910\">These Terms shall be governed by and construed in accordance with the laws applicable to the operating entity corresponding to the user, without prejudice to mandatory consumer protection regulations.\u003C\u002Fp>\u003Cp data-start=\"8912\" data-end=\"9158\">For the resolution of disputes arising from these Terms, the parties submit to the jurisdiction of the competent courts in accordance with the applicable operating entity and legislation, waiving any other jurisdiction that may otherwise apply.\u003C\u002Fp>\u003Ch3 data-start=\"9165\" data-end=\"9185\">15. Acceptance\u003C\u002Fh3>\u003Cp data-start=\"9187\" data-end=\"9364\" data-is-last-node=\"\" data-is-only-node=\"\">Participation in the Referral Program implies full and unconditional acceptance of these Terms and Conditions, including any future amendments made in accordance with clause 12.\u003C\u002Fp>","2026-02-19T21:36:01.563Z","2026-07-01T16:36:13.808Z","terms",5,[167],{"id":5,"documentId":168,"createdAt":169,"updatedAt":170,"publishedAt":9,"locale":9,"region":171,"countrynameES":171,"countrynameEN":171,"order":5,"countrynameLT":171,"flag":172},"mz8s7bp04kg4llp60sxwifqs","2025-08-25T15:55:41.724Z","2025-12-18T16:22:40.080Z","BNKA",{"id":173,"documentId":174,"name":175,"alternativeText":9,"caption":9,"width":176,"height":176,"formats":9,"hash":177,"ext":106,"mime":107,"size":178,"url":179,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":180,"createdAt":181,"updatedAt":181,"publishedAt":181,"locale":9,"focalPoint":9},68,"e5irsadlvbtex61wir2m2092","icon_bnka.svg",48,"icon_bnka_eab1d988ef",3.1,"\u002Fuploads\u002Ficon_bnka_eab1d988ef.svg","\u002F3","2025-08-25T15:55:38.235Z",{}]