Customer Referral Program Terms and Conditions

Capital Gate Insurance Agencies, Corp. (“We”) offer Referrer (“You”) the opportunity to participate in its referral program (the “Program”). We reserve the right to amend or terminate the Program at any time, for any reason. The Program is administered by Capital Gate Insurance Agencies, Corp..


Referrers are bound by these Terms and Conditions by participating in the Program. By participating in the Program, Referrers agree to use the Program in the manner specified in these Terms and Conditions. If you do not agree to these Terms and Conditions in their entirety, you are not authorized to register as a Referrer or to participate in the Program in any other manner. Referrers may not participate in the Program where doing so would be prohibited by any applicable law or regulations.


We reserve the right to modify or amend at any time these Terms and Conditions and/or the methods through which rewards are earned. We reserve the right to disqualify any Referrers from participation in the Program at any time at our sole discretion, including without limitation if he/she does not comply with any of these Terms and Conditions or otherwise fails to comply with any applicable laws (including, without limitation, through any failure to include any disclosures as required by the FTC or otherwise required by Capital Gate Insurance Agencies, Corp.).


Children.

No part of the program is directed to persons under the age of 18. IF YOU ARE UNDER 18 YEARS OF AGE, YOU MAY NOT USE, ACCESS OR PARTICIPATE IN THE PROGRAM AT ANY TIME OR IN ANY MANNER.


I. How the Program Works

A. Program Participation, Generally

  1. To participate in the Program, Referrers should visit https://www.capitalgateinsurance.com/refer-a-friend and follow the on-screen instructions to refer friends or colleagues to the program by entering their contact information in the relevant fields.
  2. Individuals who receive a referral via a Referrer are "Friends" (or, singly, a “Friend”). An "Eligible" Referrer who is fully compliant with these Terms and Conditions may receive "Reward(s)" for every "Qualified Referral” (all terms in quotes to be understood as defined below).
  3. By participating in the Program, a Referrer represents that he or she has her Friends’ prior consent to provide their contact information.


B. Eligible Referrer

  1. To be "Eligible," a Referrer must:
  2. Be a legal resident of the United States of America; and
  3. Be at least 18 years old.


C. Making a Referral

  1. A Referrer must fill out the form at https://www.capitalgateinsurance.com/refer-a-friend to make a referral. No previous purchase is required (purchasers and non-purchasers alike are eligible). Once a Referrer refers a Friend, he/she will be provided with a confirmation email, and will be contacted if a Qualified Referral is made by the referred Friend within 12 months.
  2. Referrers must respect the spirit of the Program by only referring real individuals who meet the requirements of these Terms and Conditions. Referrers cannot refer themselves. For example, a Referrer may not create multiple or fake accounts with Capital Gate Insurance Agencies, Corp. or participate in the Program using multiple or fake email addresses or identities.


II. Privacy.

Referrers may participate in the Program made available by Capital Gate Insurance Agencies, Corp. in order to refer their Friends to Capital Gate Insurance Agencies, Corp. as potential new Capital Gate Insurance Agencies, Corp. customers. To do this, Referrers must necessarily submit personal information about themselves and their Friends, such as name, e-mail address, and phone number information, so that Capital Gate Insurance Agencies, Corp. can send communications to the Friends on the Referrers’ behalf. The personal information will be collected, processed and used in accordance with Capital Gate Insurance Agencies, Corp.’s Privacy Statement, which can be found at www.capitalgateinsurance.com/privacy-policy. Referrers understand that, in addition to the initial communications to Friends, Capital Gate Insurance Agencies, Corp. may also use the personal information to send to Friends additional follow-up communications on behalf of the Referrers. The personal information may also be used by Capital Gate Insurance Agencies, Corp. to contact Referrers with regards to their participation in the Program and to send to Referrers additional communications from Capital Gate Insurance Agencies, Corp..


IV. Liability

A. By participating in the Program, Referrers agree to:

  1. Be bound by these Terms and Conditions, the decisions of Capital Gate Insurance Agencies, Corp.. and its designees, and the Privacy Policy of Capital Gate Insurance Agencies, Corp.;
  2. Defend, indemnify, release and hold harmless Capital Gate Insurance Agencies, Corp., its parent companies, affiliates and subsidiaries, together with their respective employees, directors, officers, licensees, licensors, shareholders, attorneys and agents including, without limitation, 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 Referrers’ participation in the Program (including, without limitation, any property loss, damage, personal injury or death caused to any person(s) and/or the awarding, receipt and/or use or misuse of the Program or any Reward).


B. Capital Gate Insurance Agencies, Corp. shall not be liable for:

  1. Late, lost, delayed, stolen, misdirected, incomplete, unreadable, inaccurate, unreliable, garbled or unintelligible entries, communications or affidavits, regardless of the method of transmission;
  2. Telephone system, telephone or computer hardware, software or other technical or computer malfunctions, lost connections, disconnections, delays or transmission errors;
  3. Data corruption, theft, destruction, unauthorized access to or alteration of entry or other materials;
  4. Any printing, typographical, administrative or technological errors in any websites or materials associated with the referral program; or
  5. Claims, demands, and damages in disputes among Referrers or between Referrers and Friends; or
  6. Any other injuries, losses or damages of any kind resulting from acceptance, possession or use of a reward, or from participation in the Program, that were not reasonably foreseeable to Capital Gate Insurance Agencies, Corp. at the relevant time.