Compliance Disclaimer

Refervia is a software platform that helps you organize referrals, coordinate with partners, and see the status of your workflows.

Refervia does not provide legal, insurance, real estate, financial, tax, or compliance advice, and using Refervia does not create any professional or advisory relationship.

You are responsible for your own compliance. This includes:

• Licensing.
• Client consent.
• Carrier rules.
• Brokerage rules.
• Employer rules.
• State and federal laws.
• Professional obligations.
• Privacy obligations.
• Referral restrictions.

If you are an insurance professional, you are responsible for following the rules of your carriers, your state, and any licensing or regulatory bodies that apply to you.

Refervia does not determine whether a particular insurance referral is permitted for you.

If you are a real estate professional, you are responsible for following your brokerage rules, state real estate laws, and any licensing or regulatory requirements that apply to you.

Refervia does not determine whether a particular real estate referral is permitted for you.

Refervia's public plans are subscription-based and do not charge per-referral fees. Refervia is not designed to facilitate unlawful referral compensation, kickbacks, commission splits, or pay-for-placement arrangements.

Certain laws, including RESPA, place limits on referral arrangements that involve compensation, settlement services, mortgage transactions, or other regulated services.

Before entering into any referral arrangement that involves compensation or regulated services, please consult qualified counsel or a compliance professional to confirm what is permitted for your situation.

Refervia helps you coordinate referrals, but it does not guarantee any outcome, including:

• Contact.
• Response.
• Quote.
• Policy.
• Closing.
• Sale.
• Commission.
• Revenue.
• Referral quality.
• Partner performance.

Partner Quality Signals are private relationship tools that reflect your own notes and preferences.

They are not certifications or ratings, and Refervia does not verify or endorse the quality of any partner.

The Team Referral Queue is an internal workflow tool for eligible organizations to route handoffs among their own members.

It does not create or guarantee any referral result and does not change your compliance responsibilities.

When you submit client information into Refervia, you confirm that you have the authorization and consent to do so.

You are responsible for handling client information in line with your legal and professional obligations.

For questions about whether a referral, arrangement, or practice is permitted, please consult qualified legal, compliance, or industry professionals.

Refervia cannot make those determinations for you.

If you have questions about this Compliance Disclaimer, please contact us at support@refervia.com.