Terms & Conditions

1. Acceptance of Terms

By accessing or using the Refrrd platform ("Service"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, you may not use the Service. The Service is operated by Refrrd for the purpose of managing insurance referrals between partner businesses and insurance agencies.

2. Description of Service

Refrrd is a referral management platform that enables insurance agencies to receive and track customer referrals from partner businesses such as auto dealerships, realtors, jewelers, and other industries. The platform includes referral submission, lead tracking, leaderboards, prize campaigns, analytics, and notification features.

3. User Accounts

Users may access the platform in the following roles:

• Super Admin: Platform owner with full access to manage agencies and platform settings.
• Agency Admin: Manages their agency's partners, agents, categories, and settings.
• Agent: Views and manages referral leads within their assigned agency.
• Salesperson: Submits customer referrals and participates in leaderboards and prize campaigns.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. SMS Messaging Terms

By adding a phone number to your Refrrd profile, you consent to receive automated text message notifications related to the Service. These messages include:

• Program Name: Refrrd Referral Notifications
• Message Frequency: Varies based on referral volume; you will receive a text each time a new referral is submitted to your agency.
• Message and Data Rates: Standard message and data rates may apply depending on your mobile carrier.
• Opt-Out: Reply STOP to any message to stop receiving texts. You can also remove your phone number from your profile at any time.
• Help: Reply HELP for assistance or contact your agency administrator.

Supported carriers include major US carriers. Carriers are not liable for delayed or undelivered messages.

5. Referral Data

Salespeople who submit referrals through the platform represent that they have obtained appropriate consent from customers to share their contact information (name, phone number, email, driver's license number) with the designated insurance agency for the purpose of obtaining insurance quotes. The submitting salesperson is responsible for ensuring the accuracy of the information provided.

6. Prize Campaigns

Agencies may run prize campaigns to incentivize referral submissions. Prize eligibility, selection, and distribution are managed by the respective agency. Refrrd facilitates the voting and tracking process but is not responsible for prize fulfillment. Ineligible referrals (as determined by the agency) do not count toward leaderboard standings or prize eligibility.

7. Acceptable Use

You agree not to:

• Submit false, fraudulent, or misleading referral information
• Use the platform to send unsolicited communications or spam
• Attempt to gain unauthorized access to other users' accounts or data
• Interfere with or disrupt the platform's operation
• Use the platform for any unlawful purpose

8. Intellectual Property

The Refrrd platform, including its design, features, and content, is owned by Refrrd and protected by intellectual property laws. Your use of the platform does not grant you ownership of any content, code, data, or materials you may access through the Service.

9. Limitation of Liability

Refrrd is provided "as is" without warranties of any kind. We are not liable for any indirect, incidental, special, or consequential damages arising from your use of the platform. Our total liability shall not exceed the amount paid by your agency for the Service in the twelve months preceding the claim.

10. Termination

We may suspend or terminate your access to the platform at any time for violation of these terms. Agency administrators may remove users from their agency at their discretion. Upon termination, your right to use the Service will immediately cease.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting updated terms on this page. Continued use of the platform after changes constitutes acceptance of the modified terms.

12. Contact

For questions about these Terms and Conditions, please contact your agency administrator or reach out to us through the platform.