1. How The Program Works

Through Nirvana Tech, Inc. and its affiliates (“Nirvana,” “we,” “us,” or “our”) Referral Program, existing customers (“Referring Users”) can invite friends, family, and colleagues (“Referred Users”) to explore Nirvana’s insurance services. When a Referred User gets a quote from Nirvana and meets eligibility criteria, both the Referring User and the Referred User may receive rewards as described below.

2. A Referral Is

A referral is considered complete when a Referring User successfully invites a contact to sign up for a Nirvana policy, and that Referred User and gets a quote from Nirvana. 

3. Rewards And Offers

Upon completion of a successful referral, Referring Users may be eligible to receive $100 [describe the reward, e.g., a $50 discount, cash reward, or premium reduction]. The Referred User may also receive up to 20% off upfront based on their driving history.

4. Issuing Of Rewards And Offers

Rewards will be issued within [specify timeline, e.g., 30 days] of the completion of a referral, once all criteria have been verified and the Referred User has met all qualifying requirements. Rewards may be subject to verification, and additional conditions may apply.

5. Privacy

All personal information collected and processed as part of this Referral Program will be handled in accordance with Nirvana Insurtech’s Privacy Policy, available at https://www.nirvanatech.com/privacy. Nirvana Tech, Inc. is responsible for the collection and processing of such information as required by applicable laws and regulations.

6. General 

6.1. These Referral Program Terms are published by Nirvana Tech, Inc. The program, as displayed on our website https://www.nirvanatech.com/, and these Terms form a binding agreement for both Referring Users and Referred Users.

6.2. This Referral Program permits you to invite your contacts to participate in one or more Referral Program(s).

6.3. You may only invite personal friends, family members, acquaintances and colleagues to this Referral Program.

7. Completed Referrals and Limit

7.1. A Completed Referral is when a Referred User successfully signs up and gets a quote from Nirvana and meets the criteria in accordance with Subsection 3. 

7.2. A limit to the number of referrals by Referring Users may apply. Or we may specify a maximum number of Completed Referrals who are eligible for the benefits of this Program.

7.3. All Referred Users must be new Users. Existing Users cannot participate in and benefit from the Referral Program.

7.4. You represent all personal information is 100% correct and up to date. Nirvana may monitor your use of the Referral Program or request your ID to verify your identity before issuing rewards. 

8. Restrictions

8.1. This Program cannot be combined with other Nirvana’s referral programs, discounts, vouchers, benefits or incentives. By participating in this Referral Program, we may restrict you from any other promotion, program, discount, or vouchers.

8.2. You understand and agree that you must not use referral methods that are bothersome to the recipients. Moreover, your participation in the Referral Program must not violate the applicable law, including but not limited to anti-Spam legislation, which is mass distribution of unsolicited messages.

8.3. You must not publish our Referral Program on any sites or platforms that house any Adult Content, Alcohol, Tobacco, Gambling, Games and Online Casinos, Political Content, and any form of illegal activities. 

8.4. You must only use our Referral Program for personal use and refrain from its use for commercial purposes. 

9. Term and Termination

9.1. This Referral Program will run until the announced date, after which it may be extended or restricted at Nirvana's discretion.

9.2. Any referral made before the end of the Referral Program can still participate. However we may exclude referrals in our sole discretion made after its termination date.

9.3. We may terminate this Referral Program at any time, including your participation or the availability of its benefits. 

10. Exclusive Relationship

10.1. You understand and agree that you are only the User of our services and/or products, and refrain from implying any other affiliation or legal relationship with us. 

10.2. You understand and agree that you are never authorized to legally bind our company. 

10.3. You must never create any materials that contain our branding, trademark, (part of) our corporate identity.

10.4. By participating in the Referral Program you must not represent yourself in duplicate, agent or intermediary of our company

 11. Privacy and Information

11.1. You undertake to respect the privacy rights of the people you invite to our Referral Program and direct to our website. 

11.2. When referring other people, you must always inform them about the applicable terms and conditions and privacy policy. You must do so before they participate in the Referral Program, and leave their personal information.

12. Amendments

We may amend the terms and conditions of our Referral Program. We may offer and/or restrict additional incentives, benefits and programs. As a result, additional terms may apply. You agree that you are aware of those amended and additional terms.

13. Violations and Termination

13.1. In case we suspect any violations of these terms or otherwise tampering with, fraud or unreasonable use of our Referral Program, we may in our sole discretion cancel the distribution of any discount, benefit or payout. 

13.2. If you are a current or former employee, contractor or affiliate of our company, we may restrict your participation in the Referral Program, and we may restrict or cancel your participation with immediate effect. 

13.3. You must comply with all applicable laws and regulations, and refrain from violating any third party rights. These rights include any copyright, trademark or other proprietary rights.

14. Disclaimer and Indemnification

14.1. We offer our Referral Program and its benefits only on an “as is” and “as available” basis. We may remove, change and update the Referral Program in our sole discretion. We will never make any promises or guarantees about the content and information of our Referral Program. We disclaim our responsibility for any information that is incorrect or has errors. 

14.2. Our Referral Program is based on our best efforts. You acknowledge and agree that we can never guarantee any benefit or result from participating in the Referral Program.

14.3. You will defend, indemnify and hold Nirvana harmless from and against all claims, damages, liabilities, losses, expenses and costs (including reasonable attorneys fees) arising out of your participation in the Referral Program.

15. No Correspondence, Disputes And Refunds

With regards to the distribution of discounts, vouchers, incentives, prizes, awards or other benefits, no correspondence will be entered into. Moreover, we shall never respond to any complaint or accept any dispute about the Referral Program, and the abovementioned benefits. are provided “as is” and we never refund or exchange such benefits. 

16. Applicable Law

The law of our residence shall apply and the court in that country is competent to hear any claim that may arise out of these terms.