Figo Pet Insurance, LLC: Refer-a-Friend Program Terms and Conditions:


States eligible for quote: AK, CA, FL, IA, KS, LA, MA, MI, NH

States eligible for policy program: AL, AZ, AR, CO, CT, DC, DE, GA, ID, MD, MN, MS, MO, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VA, VT, WA, WI, WV, WY

Ineligible States: HI, IL, IN, KY, ME, NY, TX


Figo Pet Insurance, LLC, an Illinois limited liability company (the “Company”), is offering the opportunity to refer friends via a Referral Program (the “Program”).

Binding Agreement: By participating in the Program, each Referrer agrees to be bound by these Terms and Conditions (these “Terms”). All the Company’s decisions regarding the Program are final and binding and shall be made in the Company’s sole discretion.

IMPORTANT NOTICE:


Insurance may only be marketed and sold by licensed insurance agents. You may not share information about coverage, benefits or premium. By participating in the Figo Refer-a-Friend Program, you may only suggest that your friends get more information from Figo and use only materials provided by Figo. In addition, you must disclose to your friends that you may receive compensation for referrals.

QUOTE PROGRAM:


Referrer (defined below) reward program permitted based on a Friend (defined below) submitting a quote in the following states: AK, CA, FL, IA, KS, LA, MA, MI, and NH (each a “Permitted State”)

1. How The Program Works:
Upon enrollment in the Program, the Company shall provide each Referrer with a unique link to share with their Friends. When a Friend obtains a quote for pet insurance on the Company’s website using a Referrer’s unique link (a “Referral”), the Company shall notify such Referrer via email. Once such Referral is validated and approved, the Company shall send such Referrer a reward email with a Reward (defined below). For the avoidance of doubt, if a Friend fails to use a Referrer’s unique link, the applicable Referrer shall not be eligible to obtain any rewards under the Program for such Friend. At no time shall Referrer provide any personal information regarding a Friend to the Company.

2. Rewards: In exchange for each Referral, subject to the terms, conditions, and limitations set forth in these Terms, the Company shall provide a Reward to such Referrer. As used herein, a “Reward” shall mean a $20.00 USD Amazon gift card or such other reward as determined by the Company in its sole discretion. Restrictions may apply. Gift cards or other rewards may be subject to issuer’s terms and conditions. Rewards are subject to verification. The Company may delay delivery of a Reward for the purposes of determining whether all of these Terms were properly complied with by such Referrer and the applicable Friend. The Company may refuse to verify and process any Referral for any reason.
Unless otherwise stated, Rewards have no monetary value and may not be redeemed for cash. They are not transferable and may not be auctioned, traded, bartered, or sold. Each Referrer is solely responsible for all applicable federal, state, and local taxes associated with any Reward.

3. Limitations: Each Referrer is eligible for a maximum of 4 Rewards per calendar year only. To the extent a Referrer refers more than 4 Friends in a calendar year, the Company shall not be obligated in any manner to provide more than 4 Rewards to such Referrer. [This Program is not valid in AL, AZ, AR, CO, CT, DC, DE, GA, HI, ID, IL, IN, KY, ME, MD, MN, MS, MO, MT, NY, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY (each, an “Excluded State”). As such, a resident of an Excluded State is not eligible to participate in this Program as a Referrer, a Friend, or otherwise. For the avoidance of doubt, this Program is not valid in any state or territory other than a Permitted State.

POLICY PROGRAM:


Referrer reward permitted based on friend purchasing a policy for the following states: AL, AZ, AR, CO, CT, DC, DE, GA, ID, MD, MN, MS, MO, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VA, VT, WA, WI, WV, and WY (each a “Permitted State”)

1. How The Program Works:
Upon enrollment in the Program, the Company shall provide each Referrer with a unique link to share with their Friends (defined below). When a Friend purchases a pet insurance policy on the Company’s website using a Referrer’s unique link (a “Referral”), the Company shall notify such Referrer via email. Once such Referral is validated and approved, the Company shall send such Referrer a reward email with a Reward (defined below). For the avoidance of doubt, if a Friend fails to use a Referrer’s unique link, the applicable Referrer shall not be eligible to obtain any rewards under the Program for such Friend. At no time shall Referrer provide any personal information regarding a Friend to the Company.

2. Rewards: In exchange for each Referral, subject to the terms, conditions, and limitations set forth in these Terms, the Company shall provide a Reward to such Referrer. As used herein, a “Reward” shall mean a $25.00 USD Amazon gift card, or such other reward as determined by the Company in its sole discretion. Restrictions may apply. Gift cards or other rewards may be subject to issuer’s terms and conditions. Rewards are subject to verification. The Company may delay delivery of a Reward for the purposes of determining whether all of these Terms were properly complied with by such Referrer and the applicable Friend. The Company may refuse to verify and process any Referral for any reason.
Unless otherwise stated, Rewards have no monetary value and may not be redeemed for cash. They are not transferable and may not be auctioned, traded, bartered, or sold. Each Referrer is solely responsible for all applicable federal, state, and local taxes associated with any Reward.

3. Limitations: Each Referrer is eligible for a maximum of 4 Rewards per calendar year only. To the extent a Referrer refers more than 4 Friends in a calendar year, the Company shall not be obligated in any manner to provide more than 4 Rewards to such Referrer. [This Program is not valid in AK, CA, FL, HI, IL, IA, KS, KY, LA, ME, MA, MI, NH, NY, or TX (each, an “Excluded State”).

TERMS AND CONDITIONS APPLICABLE TO BOTH QUOTE AND POLICY REFER-A-FRIEND PROGRAMS:


1. Referrer:
As used herein, a “Referrer” means a legal resident of the United States who is at least 18 years old and resides in a Permitted State (as determined and validated by the Company in its sole discretion). Referrer MUST have an active pet insurance policy offered by the Company. For the avoidance of doubt, no person who fails to meet the criteria of a Referrer may participate in the Program.

2. Friend: As used herein, “Friend” means a friend, family member, or colleague of a Referrer who is a legal resident of the United States residing in a Permitted State, at least 18 years old, and who has never obtained a quote for pet insurance from the Company (as determined and validated by the Company in its sole discretion). No officer, employee, contractor, or agent of the Company shall be eligible as a “Friend” hereunder. To the extent a “Friend” informs its Referrer that he, she, or it wishes to opt-out from future email communications regarding the Program or the Company, such Referrer agrees to honor such request and immediately cease all communications to such person related to the Program or the Company.

3. Restrictions: Referrers cannot refer themselves or create multiple, fictitious, or fake accounts or participate in the Program as “Friends”. Employees of the Company cannot be a Referrer. No Referrer may use the Program to violate any law, infringe or violate the rights of any third party, or otherwise act in a manner that is deemed harassing, harmful, illegal, hateful, obscene, or outside the spirit and intent of the Program. Referrers or Friends who delete or otherwise not accept cookies used to track return visits to the Company’s website may not be eligible to participate in the Program. The Program is void where prohibited or otherwise restricted by applicable law, rule, or regulation. No Referrer or Friend can be listed on the OFAC Specially Designated Nationals and Blocked Persons List or any other similar list or designation.

4. Privacy: Reference is made to the Company’s Privacy Policy, as amended from time to time, which is available at https://figopetinsurance.com/faq/figo-privacy-policy (the “Privacy Policy”). The personal information collected, processed, and used as part of the Program shall be used in accordance with the Privacy Policy. Each prospective referrer is encouraged to review the Privacy Policy prior to enrolling in the Program. By participating in the Program, each Referrer acknowledges and agrees for his, her, or its personal information to be collected, processed, and used in accordance with the Privacy Policy.

5. Liability: EACH REFERRER UNDERSTANDS AND AGREES THAT THE RELEASED PARTIES (DEFINED BELOW) SHALL NOT BE LIABLE TO SUCH REFERRER FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF SUCH REFERRER OR THE COMPANY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES). By participating in the Program, each Referrer agrees to defend, indemnify, release, and hold harmless the Company, Extole, Inc. (as the provider of the referral service, their respective parent companies, affiliates, and subsidiaries, and each of their respective employees, directors, officers, managers, members, licensees, licensors, shareholders, contractors, attorneys, and agents, including their respective advertising and promotion entities and any person or entity associated with the production, operation, or administration of the Program (collectively, the “Released Parties”), from any and all claims, actions, demands, damages, losses, liabilities, costs, or expenses caused by, arising out of, in connection with, or related to the Program, these Terms, or any Reward, including any property loss, damage, personal injury, or death caused to any person(s), and for any violation by Referrer of any laws, rules, or regulations, including all laws relating to UCE and the CAN-SPAM ACT. False or deceptive entries or acts will render a Referrer ineligible. WARNING: ANY ATTEMPT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROGRAM MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND, SHOULD SUCH AN ATTEMPT BE MADE, THE COMPANY RESERVES THE RIGHT TO SEEK DAMAGES OR OTHER REMEDIES FROM ANY SUCH PERSON(S) RESPONSIBLE FOR SUCH ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW. To be clear, the Released Parties shall not be liable for any technical errors or malfunctions, data theft or corruption, any printing or typographical error, or any damage to any computer system resulting from participating in, or accessing or downloading information in connection with, the Program. The Released Parties shall not be liable to any Referrers for failure to supply any advertised benefit (including any Reward) by reason of any acts of God, any action or request by any governmental or quasi-governmental entity (whether or not valid), or any other activity or action that is beyond any of the Released Parties’ control. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE RELEASED PARTIES’ MAXIMUM LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE PROGRAM, REGARDLESS OF THE CAUSE OF ACTION (WHETHER IN CONTRACT, TORT, BREACH OF WARRANTY, INDEMNIFICATION, OR OTHERWISE), WILL NOT EXCEED $100.

6. Disclaimer of Warranties: EACH REFERRER EXPRESSLY UNDERSTANDS AND AGREES THAT: (A) SUCH REFERRER’S USE OF THE PROGRAM IS AT HIS, HER, OR ITS SOLE RISK, THE PROGRAM IS PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS, AND THE COMPANY AND ITS AFFILIATES EXPRESSLY DISCLAIM ALL WARRANTIES, CONDITIONS, AND TERMS OF ANY KIND, WHETHER EXPRESS OR IMPLIED BY STATUTE, COMMON LAW, OR CUSTOM, INCLUDING, BUT NOT LIMITED TO, WARRANTIES AS TO PRODUCTS AND SERVICES OF THE COMPANY THROUGH OR AS A RESULT OF PARTICIPATION IN THE PROGRAM, IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT; (B) THE COMPANY MAKES AND GIVES NO WARRANTY THAT (I) THE PROGRAM WILL MEET HIS, HER, OR ITS REQUIREMENTS, (II) THE PROGRAM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE RESULTS OBTAINED FROM SUCH REFERRER’S PARTICIPATION IN THE PROGRAM WILL BE ACCURATE OR RELIABLE, (IV) THE QUALITY OF ANY PRODUCTS, INFORMATION, OR OTHER MATERIAL OBTAINED THROUGH THE PROGRAM WILL MEET HIS, HER, OR ITS EXPECTATIONS, AND (V) ANY ERRORS IN THE PROGRAM WILL BE CORRECTED; AND (C) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH HIS, HER, OR ITS USE OF THE PROGRAM IS ACCESSED AT SUCH REFERRER’S OWN DISCRETION AND RISK, AND SUCH REFERRER WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO HIS, HER, OR ITS COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF ANY SUCH MATERIAL.

7. Bulk Distribution: Each Referrer represents, warrants, and covenants that he, she, or it (a) is the actual sender of all emails related to the Program and shall only send communications to its friends, family members, and colleagues who such Referrer believes are eligible as a “Friend” hereunder, and (b) must comply with all applicable laws, rules, and regulations, including UCE and the CAN-SPAM Act. Referrals must be created and distributed in a personal manner that is appropriate and customary for communications with friends, colleagues, and family members. By submitting any email address as part of the Program, each Referrer represents that he, she, or it has the appropriate permission and consent. Bulk email distribution, distribution to strangers, or any similar use is expressly prohibited and may be grounds for immediate termination from the Program and further legal action. The Company has no obligation to monitor the Program or any communications; however, the Company may choose to do so and block any email messages, remove any such content, or prohibit any use of the Program.

8. General Terms: These Terms constitute the entire agreement between each Referrer and the Company concerning participation in the Program. The Company reserves the right to modify or amend these Terms at any time, without notice. The Company reserves the right to disqualify any Referrer at any time from participation in the Program if he, she, or it does not comply with these Terms. The failure of the Company to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. If any provision of these Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in such provision, and the other provisions of these Terms shall remain in full force and effect. The section titles in these Terms are for convenience only and have no legal or contractual effect. A person who is not a party to these Terms shall have no right to enforce or receive the benefit of any of these Terms. By enrolling in the Program, a Referrer expressly agrees to be bound by these Terms, as may be amended from time to time. These Terms and the Program shall be governed by the laws of the State of Illinois and each Referrer submits to the exclusive jurisdiction of the courts located in Chicago, Illinois to enforce any matter hereunder. In any action to enforce a party’s rights hereunder, the fees and expenses of the prevailing party shall be paid by the non-prevailing party. No Referrer is an employee, agent, partner, or joint-venture participant of the Company by reason of the Program. Neither the Company nor any Referrer has any authority to enter into any agreement or otherwise bind the other party. No Referrer shall in any manner misrepresent or embellish the relationship between the parties. Except as expressly provided in these Terms, neither party will engage in any promotions which name the other party or imply any relationship or affiliation between the parties including press releases, marketing materials, offline print advertising or marketing campaigns, media kits, screen shots, graphics altered for cobranding, or any other format or media. Any such promotion will be considered grounds for immediate termination from the Program and may invoke further legal action.

9. Notice. Any questions, comments, or complaints regarding the Program should be directed to the Company as follows: Figo Pet Insurance, LLC, c/o Marketing Department, 540 N. Dearborn, Box No. 10873, Chicago, Illinois 60610.