The DoctorDisability Refer-a-Friend Program (the “Program”) enables participants living in eligible states to earn Rewards by recommending DoctorDisability to friends or family who may be interested in purchasing insurance. To participate, you must agree to these DoctorDisability Refer-a-Friend Program Terms & Conditions (the “T&C”), as well as DoctorDisability’s Terms of Use and Privacy Policy.
Definitions
As used in these Terms and Conditions, the following terms have the following meanings:
Qualified Disability Referral – The referral of a physician or dentist who requests quotes and completes a review call with DoctorDisability.
Reward – A $50.00* e-gift card sent via email within 5 business days of DoctorDisability receiving a Qualified Disability Referral.
*Gift cards are limited to $25.00 per Qualified Disability Referral in Montana, New Hampshire, and Tennessee. Gift cards are not available in New Mexico.
Overview of the Program
DoctorDisability will provide you with a unique Refer-a-Friend Program Link (your “Link”) so that DoctorDisability can associate you with individuals you refer.
By taking part in the Program, you agree not to:
Use automated systems or bots to distribute your referral link;
Pay to advertise your referral link;
Provide false information in an insurance quote request;
Encourage any person or persons to provide false information in an insurance quote request;
Promote the Refer-a-Friend Program as a money-making scheme, including but not limited to posting about it in any online forum or group related to making money online or rewards programs;
Engage in any activity that may be considered fraudulent, invasive, or spamming;
Represent that you are an agent or representative of DoctorDisability; or
Discuss specific insurance terms or conditions or otherwise engage in the sale, solicitation, or negotiation of insurance.
Eligibility
You must have created an account with DoctorDisability to participate.
You may only participate in the Program if you are 24 years old or older and a legal resident of a Participating State.
Directors, officers, and employees of DoctorDisability and its affiliates, including affiliated companies, agents, representatives, licensees, and advertising or promotional agencies, and their immediate family members are ineligible to participate in the Program.
The Program is subject to all applicable federal, state, and local laws and regulations and is void where prohibited or restricted by law.
Qualified Referral
Qualified Disability Referrals are limited to individuals who are not current DoctorDisability customers, are 24 years old or older, are a physician or dentist, and are legal residents of the United States.
Any fraudulent referrals, such as using a different phone number or email address for the same person or intentionally submitting false information, will be voided.
A referred individual may only use one referral link. Only the owner of the referral link used by the referred individual to request disability quotes will receive a Reward.
This Program may not be combined with other referral programs or incentives.
Participating States
This Program is available to eligible participants in the following states and jurisdictions:
Alabama; Arizona; Arkansas; California; Colorado; Connecticut; District of Columbia; Florida; Georgia; Hawaii; Idaho; Illinois; Indiana; Kansas; Kentucky; Maine; Maryland; Minnesota; Missouri; Montana; Nebraska; Nevada; New Hampshire; New Jersey; New York; North Carolina; North Dakota; Ohio; Oklahoma; Oregon; Rhode Island; South Carolina; South Dakota; Tennessee; Texas; Utah; Vermont; Washington; Wisconsin; and Wyoming.
New Mexico is not a Participating State, and gift card Rewards are not available to participants residing in New Mexico.
Participants residing in Montana, New Hampshire, or Tennessee are limited to a $25.00 Reward per Qualified Disability Referral.
Rewards
Except where otherwise stated in these T&C, each Qualified Disability Referral is eligible for a $50.00 Reward.
For participants residing in Montana, New Hampshire, or Tennessee, each Qualified Disability Referral is eligible for a maximum Reward of $25.00.
Gift card Rewards are not available to participants residing in New Mexico.
In a twelve-month period, individuals receiving $50 Rewards will not be eligible to receive more than seven Rewards for Disability referrals, for a maximum of $350.00. Where state-specific Reward limits apply, the maximum total value of Rewards will be adjusted accordingly. No purchase by you or the referred individual is necessary to participate in the Program.
You will be notified via email when you have earned a Reward and will be required to claim your Reward via the link in the email. Rewards are administered by a third party. You consent to the sharing of your personal information with that third party for the purpose of administering the Program.
Rewards will be in the form of eGift Cards. Restrictions, conditions, and limitations may apply.
DoctorDisability will not replace any lost or stolen eGift Cards.
DoctorDisability may combine multiple Rewards into a single eGift Card at its discretion.
Taxes and Fees
You are responsible for all applicable taxes and fees resulting from any Reward you receive under the Program.
Release of Liability
By participating in the Program, you release DoctorDisability and its agents from all liability, including, without limitation, all liability with respect to any and all Rewards.
Severability
If any provision in these T&C is held to be invalid, void, or unenforceable, such provision, or the part of it that makes it invalid, void, or unenforceable, will be struck and will not affect the validity and enforceability of the remaining provisions.
Termination and Change
DoctorDisability may suspend or terminate the Program or a user’s ability to participate in the Program at any time for any reason without prior notice.
DoctorDisability reserves the right to deny any Rewards if it notices any activity that it believes is abusive, fraudulent, or contrary to the spirit of the Refer-a-Friend Program, including where it appears, in DoctorDisability’s sole determination, that the Program is being used primarily as a money-making scheme to generate Rewards.
DoctorDisability reserves the right to review and investigate all referral activities and to modify referrals as it deems fair and appropriate.
Updates to these T&C
DoctorDisability may update these T&C, including but not limited to eligibility requirements, Participating States, and Reward amounts, at any time for any reason without prior notice. Such modification is effective upon posting of the modified T&C on the DoctorDisability website. Continued participation in the Program after any modification constitutes consent to such modification.
Contact Us
If you have any questions about the Program, DoctorDisability can be reached at Team(AT)DoctorDisability.com.