Terms of Service

By creating an account, accepting an invite, or otherwise using Refervia (the "Service"), you agree to these Terms of Service (the "Terms"). If you do not agree, do not use the Service.

These Terms are a binding agreement between you and Refervia LLC ("Refervia," "we," "us," or "our"), the company that operates Refervia.

If you use Refervia on behalf of a company, agency, brokerage, or team, you confirm that you have authority to accept these Terms for that organization, and "you" includes that organization.

Our Privacy Policy, Acceptable Use Policy, Referral & Licensing Responsibility Policy, Communications Policy, Cookie Policy, Compliance Disclaimer, Disclaimer, and Copyright & DMCA Policy are part of these Terms.

Refervia is a referral handoff platform for real estate agents, insurance professionals, brokers, agencies, brokerages, and teams. It helps you invite Trusted Partners, send and receive organized referral handoffs, track referral status, message partners, and coordinate work with the people you already trust.

Refervia is workflow and communication software. It is not a lead marketplace, and it does not sell or assign leads.

Refervia provides tools. The referral relationships, clients, transactions, and agreements belong to you and the professionals you work with. In particular:

• Refervia is not a party to any referral, referral agreement, listing, transaction, insurance policy, or other arrangement between users or between users and their clients.
• Refervia is not a real estate broker or brokerage, insurance agency or producer, mortgage lender, settlement service provider, or financial adviser, and it does not act as your agent.
• Refervia does not employ, supervise, endorse, or control any user, and users are not Refervia's employees, agents, or partners in any legal sense.
• Refervia does not negotiate, set, collect, hold, calculate, split, or pay referral fees, commissions, or any other compensation between users.
• Refervia does not independently confirm a user's identity, licensing, insurance, standing, or qualifications, except as expressly described for any verification feature below.

License verification and badges

Some accounts can request a license check and display a "Refervia Verified" badge. A badge only means that, on the date shown, the license details the user entered appeared to match information returned by a third-party or public data source we rely on. It is not an endorsement, certification, background check, or guarantee of licensure, good standing, competence, or conduct, and it is not monitored continuously. Data sources can be incomplete or out of date. You remain responsible for confirming a partner's license status directly with the appropriate licensing authority before relying on it.

You must be at least 18 years old and able to form a binding contract to use Refervia. Refervia is not intended for anyone under 18.

Refervia is intended for professional use by real estate, insurance, and related professionals and the organizations they work with, primarily in the United States. You may not use Refervia if you are barred from doing so under applicable law or if we have previously terminated your account.

You must provide accurate, current information when you create an account and keep it up to date. You may sign up with an email address or with a supported third-party sign-in such as Google.

You are responsible for safeguarding your login credentials and for all activity under your account. Do not share your account. Tell us promptly at support@refervia.com if you believe your account has been accessed without permission.

We may require additional verification, or decline or reverse a registration, where we reasonably suspect fraud, impersonation, or misuse.

Refervia supports individual accounts and organization accounts.

• Individual plans include Free, Pro, and Pro Max tiers for solo professionals.
• Organization plans include Brokerage Free, Agency Free, Brokerage, Agency, and Enterprise tiers for teams.

Organization owners and admins

If you create or manage an organization account, you are responsible for the people you invite, the roles and permissions you assign, and your members' use of the Service. You confirm that you have the right to give members access to organization data and to manage, export, or remove that data.

Organization members

If you join an organization, the organization's owner or admins control your seat and may see, manage, reassign, or remove referrals, queue items, and other content created within the organization workspace. If you leave or are removed, content that belongs to the organization generally stays with the organization. Your own professional obligations continue to apply to you individually.

The features available to you depend on your plan and the permissions your organization has assigned.

Refervia lets you invite Trusted Partners so you can send and receive referral handoffs with people you choose. When you send an invite, Refervia sends a message to the person you name at your direction and on your behalf.

You confirm that you have an existing professional relationship with, or a lawful basis to contact, each person you invite, and that you will not use invites for unsolicited bulk outreach.

An invited partner must accept before a connection is created. The relationship between you and your partners exists outside of Refervia, and you decide who to invite and work with. Refervia does not guarantee the performance, responsiveness, availability, licensing, or results of any partner.

Eligible organization accounts may use the Team Referral Queue, an internal workflow that helps a team route and manage referral handoffs among its own members. Authorized members can claim, assign, and manage internal handoffs.

The organization, not Refervia, decides how work is routed and is responsible for complying with its own brokerage, agency, and employment policies when using the queue.

Partner Quality Signals, such as private labels, notes, and status signals, help you manage your own referral relationships. They are kept at the account or organization level for internal use.

You agree not to use these features for defamation, harassment, public shaming, or unlawful discrimination. Refervia does not verify, certify, or rate the quality of any partner, and signals are not reviews or endorsements by Refervia.

When you use Refervia, you agree to:

• Provide accurate information and keep your profile, license details, and company affiliation current.
• Act professionally and honestly with your partners, clients, and contacts.
• Hold and maintain every license, appointment, and registration your work requires.
• Follow the rules of your carriers, brokerages, employers, MLSs, and any professional bodies you belong to.
• Obtain any client consent and give any disclosures required before you submit or share client or contact information.
• Submit only the minimum personal information needed for a handoff, and never submit sensitive data such as Social Security numbers, full bank or card numbers, or health information.
• Keep your own records as required by your license, brokerage, or agency. Refervia is not a system of record for regulatory recordkeeping.
• Comply with our Acceptable Use Policy and Referral & Licensing Responsibility Policy.

Referral arrangements in real estate, mortgage, settlement services, and insurance are regulated. Depending on where you work, rules may include the Real Estate Settlement Procedures Act (RESPA) and its anti-kickback provisions, state real estate license laws that limit who may pay or receive a referral fee, state insurance laws that limit or prohibit compensation to unlicensed persons, carrier and brokerage policies, and consumer protection and fair housing laws.

You are solely responsible for deciding whether and how you may send, receive, act on, or be compensated for any referral, and for any written agreement, disclosure, or license that your arrangement requires.

Refervia does not facilitate, process, collect, hold, or distribute referral fees or any other compensation between users, and nothing on the Service is legal, tax, insurance, real estate, financial, or compliance advice. Refervia's own plans are subscription-based and do not charge per-referral fees.

If you are unsure whether an arrangement is permitted, consult qualified counsel or your broker or compliance officer before proceeding.

"Your Content" means information you or your organization submit to the Service, including profile details, referral details, client and contact information, notes, labels, messages, files, and images.

As between you and Refervia, you own Your Content. You grant Refervia a worldwide, non-exclusive, royalty-free license to host, store, copy, process, transmit, display, and adapt Your Content only as needed to operate, secure, support, and improve the Service, to deliver it to the users and partners you choose, and to comply with law. This license ends when Your Content is deleted from the Service, except for copies kept in backups or retained as described in our Privacy Policy, and content you have already shared with other users.

We may create aggregated or de-identified data from use of the Service that does not identify you, your clients, or your organization, and we may use it for any lawful purpose, such as measuring performance and improving the product.

You represent that you have all rights, consents, and authority needed to submit Your Content and to let us use it as described in these Terms, and that it does not violate any law or anyone's rights.

If you send us feedback or suggestions, we may use them without restriction or compensation to you.

The Service, including its software, design, text, graphics, logos, the Refervia name and marks, and all related intellectual property, is owned by Refervia LLC or its licensors and is protected by law.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your internal professional purposes. You may not copy, modify, distribute, sell, lease, reverse engineer, scrape, or create derivative works of the Service, use it to build a competing product, or use our name or marks without our written permission.

Paid plans are billed in advance through Stripe, our payment processor, under Stripe's own terms. Refervia does not store full card numbers.

Paid subscriptions renew automatically at the end of each billing term at the then-current price for your plan until you cancel. By starting a paid plan, you authorize us and Stripe to charge your payment method for each renewal and for any applicable taxes.

If a payment fails, we may retry the charge, limit paid features, or move your account to a free plan until payment is resolved.

Some plans include referral or usage limits based on your tier. Refervia's current public plans are subscription-based and do not charge per-referral fees.

Cancellation and refunds

You can cancel at any time in your billing settings. Cancellation takes effect at the end of your current billing term: your subscription stops renewing and you keep access for the remainder of the term you have already paid for. Refervia does not provide refunds or prorated credits for the current term, including for partial periods or unused time. Fees are non-refundable except where a refund is required by law.

Price changes

We may change prices or plan features. Price changes for an existing paid subscription take effect at your next renewal, and we will give you advance notice where required. If you do not agree to a change, you may cancel before it takes effect.

You may upgrade or downgrade your plan subject to the options available in your account.

An upgrade, including a switch from monthly to yearly billing, takes effect right away. The unused part of your current term counts toward the new plan's price, and you are charged the difference at that time.

A downgrade, including a switch from yearly to monthly billing, takes effect at the end of your current billing term. Until then you keep your current plan, and no refund or credit is given for the change.

Downgrades may reduce limits or remove features, and content that exceeds a lower plan's limits may become read-only or unavailable.

Changes to features, limits, or pricing may apply at the start of your next billing cycle.

Refervia is an early-stage product. Free plans and features labeled beta, early access, preview, demo, or coming soon may be incomplete, may contain errors, and may change, be limited, or be discontinued at any time without notice or liability.

Some features described on our website or in the product, such as certain automations, integrations, or notification channels, may not be available yet. A description of a planned feature is not a commitment to deliver it on any timeline.

Free, beta, and pre-launch features are provided as is, without any service level, support commitment, or warranty.

Refervia relies on third-party providers to operate, which may include Supabase (database, authentication, and real-time infrastructure), Vercel (hosting), Google (sign-in), Stripe (payments), email delivery providers such as Resend, error monitoring, analytics, and advertising measurement providers such as Meta.

These providers have their own terms and privacy practices. If you choose to use a third-party service, such as signing in with Google, your use of that service is governed by its terms. Refervia is not responsible for the availability, security, acts, or omissions of third-party providers, and an outage or change at a provider may affect the Service.

You agree to receive communications from us electronically, including by email and in-app notifications, and that these communications satisfy any legal requirement that a communication be in writing. Details, including how to manage marketing preferences, are in our Communications Policy.

Notifications are a convenience and may be delayed or not delivered. Do not rely on Refervia notifications alone for time-sensitive client, contract, or compliance deadlines.

Your use of Refervia is subject to our Acceptable Use Policy. Violating it may result in content removal, suspension, or termination of your account.

You can report content or a member to us and block other members, as the Acceptable Use Policy describes. We review reports and may remove or restrict content or accounts that we consider objectionable or that violate these Terms, whether or not the content is unlawful. Refervia also stops some words automatically. We are not obligated to monitor the Service, and reporting, blocking, and filtering cannot guarantee that you will never see content you find offensive.

Our Privacy Policy explains how we collect, use, share, and protect information. By using Refervia, you acknowledge that information you submit to a referral workflow is visible to the professionals and organizations involved in that workflow.

For client and contact information you submit, you are responsible for providing any notices and obtaining any consents required, and we process that information to provide the Service at your direction.

We respond to notices of alleged copyright infringement as described in our Copyright & DMCA Policy, and we may terminate the accounts of repeat infringers.

Refervia handles other people's client information, so we hold every account to a high standard. To protect users and their clients, we may suspend an account or close it. Where practical and lawful, we tell you why by email and give you a way to respond.

We may suspend or close an account for reasons including:

• Sharing a client's personal information without the client's permission, or using it for something the client did not agree to.
• Spam, or sending unsolicited bulk invites, referrals, or messages.
• False identity, impersonation, or misrepresenting your license, company, or credentials.
• Harassing, threatening, discriminatory, or abusive conduct toward other users or their clients.
• Fraudulent or fake referrals, or activity meant to manipulate partner quality signals or other features.
• Suspicious activity suggesting the account may be compromised. This is a protective hold, not a judgment about you.
• An unresolved payment issue on a paid plan.
• Repeated or serious violations of these Terms or our Acceptable Use Policy.
• A legal or regulatory requirement, or a valid request from a government authority.

How we decide. For a first, minor issue we usually start with a warning. Temporary suspensions typically last 7, 30, or 90 days and end on their own. Serious issues, such as fraud, threats, misuse of client information, or a security risk, may lead to an immediate suspension until our team reviews it, or to closing the account.

During a suspension you cannot sign in or use the Service. Your account and its data are kept as they are, and nothing is deleted because of the suspension.

Appeals. You can appeal a suspension or dispute a closure within 30 days through our support chat at refervia.com/support or by emailing support@refervia.com. A person reviews every appeal, usually within 24 hours, and we tell you the outcome by email.

Closing an account permanently deletes it and its data, as described in our Privacy Policy. If a closure is reversed on review, the deleted data cannot be restored, but we will help you set up a new account. We may decline a new account from someone whose account we closed for a serious violation.

You may stop using Refervia and delete your account at any time in your dashboard under Settings, Delete account. We ask you to confirm twice before anything is deleted.

Deletion is immediate and permanent. Your profile, sign-in, Trusted Partners list, the referrals you sent and their history, your messages, and your settings are removed and cannot be recovered, and we email you a confirmation. Referrals other users sent you stay in their accounts, because they own those client records. Export anything you need first, for example your referrals from the Referral Desk.

We may also suspend, restrict, or terminate your access as described in Suspension and Account Closure above, or if we are required to do so by law.

When your account ends, your right to use the Service ends. Sections that by their nature should survive termination will survive, including those on Your Content licenses already granted, fees owed, disclaimers, limitation of liability, indemnification, disputes between users, dispute resolution, and general terms.

Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

Refervia helps you organize and coordinate referrals, but it does not guarantee any result. In particular, Refervia does not guarantee:

• Referral volume or referral quality.
• Client contact, response, or conversion.
• Quotes, policy issuance, or coverage.
• Any real estate listing, sale, or closing.
• Partner response or performance.
• Commissions, revenue, or income of any kind.
• That any arrangement is compliant for your situation.

Any examples, figures, or results shown on our website or in marketing are illustrative only and are not a promise or prediction of your results.

We are not responsible for the acts, omissions, statements, referrals, or conduct of any user, partner, client, or third party, or for any transaction or relationship between users.

These limitations apply regardless of the legal theory of the claim and even if a remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations, so some of them may not apply to you.

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Refervia LLC and its affiliates, members, managers, officers, directors, employees, and agents from and against any claims, demands, losses, liabilities, damages, fines, penalties, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the Service or Your Content.
• Any referral you send, receive, or act on, and any client or transaction involved.
• Any referral fee, commission, or compensation arrangement you enter into.
• Your violation of these Terms, any policy, or any law, regulation, license requirement, or third-party right.
• Any dispute between you and another user, partner, client, or organization.

We may assume the exclusive defense of any matter subject to indemnification, and you will cooperate with our defense.

You are solely responsible for your interactions with other users, partners, and clients. Refervia has no obligation to monitor, mediate, or resolve disputes between users, including disputes over referral credit, referral fees, commissions, client ownership, or partner conduct, although we may choose to help.

To the fullest extent permitted by law, you release Refervia LLC from claims, demands, and damages of every kind arising out of or connected with disputes between you and other users or third parties. If you are a California resident, you waive California Civil Code Section 1542, which says: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."

Informal resolution first

Before starting any formal proceeding, you and Refervia agree to try to resolve a dispute informally. Send a written notice describing the dispute and the relief requested to operations@refervia.com. If the dispute is not resolved within 30 days after the notice is received, either party may start arbitration.

Binding individual arbitration

Except as stated below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration on an individual basis, administered by the American Arbitration Association (AAA) under its applicable rules, before a single arbitrator. The arbitration will take place in Atlanta, Georgia, or remotely by video or written submissions where the rules allow. The Federal Arbitration Act governs this section. Judgment on the award may be entered in any court with jurisdiction.

Exceptions

Either party may bring an individual claim in small claims court if it qualifies, and either party may seek injunctive or other equitable relief in court to protect its intellectual property or to stop unauthorized use of the Service.

Opting out

You may opt out of this arbitration agreement by emailing operations@refervia.com with the subject line "Arbitration Opt-Out" within 30 days after you first accept these Terms, including your name and the email address on your account. Opting out does not affect any other part of these Terms.

Severability of this section

If the class action waiver is found unenforceable for a particular claim, that claim must be severed and decided in court, and the rest of this section still applies. If any other part of this section is found unenforceable, the remainder stays in effect.

These Terms are governed by the laws of the State of Georgia, United States, without regard to its conflict of law rules, and by applicable U.S. federal law.

For any claim that is not subject to arbitration, you and Refervia consent to the exclusive jurisdiction and venue of the state and federal courts located in Fulton County, Georgia.

Any claim arising out of or relating to these Terms or the Service must be brought within one year after the claim arose, unless a longer period is required by law.

We may change, add, or remove features of the Service at any time.

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date and, where required, notify you by email or in the product before the changes take effect. Continuing to use Refervia after changes take effect means you accept the updated Terms. If you do not agree, stop using the Service and close your account.

• Entire agreement: these Terms and the policies they reference are the entire agreement between you and Refervia about the Service.
• Severability: if any provision is found unenforceable, it will be enforced to the maximum extent possible and the rest of these Terms will remain in effect.
• No waiver: our failure to enforce a provision is not a waiver of our right to do so later.
• Assignment: you may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets, or to an affiliate.
• Force majeure: we are not liable for delays or failures caused by events beyond our reasonable control, including outages at third-party providers.
• Relationship: nothing in these Terms creates a partnership, joint venture, employment, agency, or fiduciary relationship between you and Refervia.
• No third-party beneficiaries: these Terms do not give rights to anyone other than you and Refervia.
• Headings and plain-English summaries are for convenience only and do not affect the meaning of these Terms.

Questions about these Terms? Contact us at support@refervia.com.

Mailing address: Refervia LLC, 1700 Northside Drive NW, Suite A7 PMB 1140, Atlanta, GA 30318, United States.