Terms & Conditions

Sana Referral Program
The Sana Referral Program (the "Program") enables individuals living in eligible states to earn
Referral Fees by recommending Sana to Eligible Entities who are potentially interested in
purchasing insurance. To participate, you must agree to these Sana Referral Program Terms &
Conditions (the "T&C"), as well as Sana’s Terms of Service and Privacy Policy.

I. Definitions
As used in this T&C, the following terms have the meanings defined below:
Eligible Entity - A company with 5 or more employees and a business address in one of the states in
which Sana is licensed to sell insurance products.
Qualified Lead - The referral of a key decisionmaker at an Eligible Entity; provided that the Eligible
Entity submits an application for insurance with Sana and finishes the underwriting process with
the insurer.
Referral Fee - A $200 amazon e-gift card sent via email within [7] business days of Sana receiving a
Qualified Lead.

II. Overview of the Program
By taking part in the Program, you agree not to:

i. use automated systems or bots to generate any referrals;

ii. pay to advertise to Eligible Entities regarding the referrals;

iii. provide false information in an insurance application or sign an insurance application
without a legitimate interest in applying for such insurance;

iv. encourage any Eligible Entity or other persons to provide false information in an insurance
application or sign an insurance application without a legitimate interest in applying for
such insurance;

v. promote the Program as a money-making scheme, including but not limited to by posting
about it in any online forum or group related to making money online or rewards
programs;

vi. engage in any activity that may be considered fraudulent, invasive, or spamming;

vii. represent that you are an agent or representative of Sana; or

viii. discuss specific insurance terms or conditions of the insurance or otherwise engage in the
sale, solicitation, or negotiation of insurance.

III. Eligibility
You may only participate in the Program if you are 18 years old or older and a legal resident of an
eligible state. Directors, officers, employees and owners of 1% or more of the outstanding voting securities of an Eligible Entity and its affiliates as well as their immediate family members are
ineligible to participate in the Program. The Program is subject to all applicable federal, state and
local laws and regulations and is void where prohibited or restricted by law.

IV. Qualified Lead
Notwithstanding the foregoing a Qualified Lead shall not include any of the following: (a) any
application for insurance that Sana suspects, in its sole discretions, is submitted as the result of
fraud, which shall include, but is not limited to, using a different phone number or email address
for the same person or intentional submission of false information or (b) any referral of an Eligible
Entity that has already requested a quote for insurance from Sana.

V. Eligible States
This Program is only available to participants in the following states: Alabama; Alaska; Arizona;
Arkansas; California; Colorado; Connecticut; District of Columbia; Delaware, Florida; Georgia;
Hawaii; Idaho; Illinois; Indiana; Iowa, Kansas, Kentucky; Louisiana; Maine; Maryland; Massachusetts; Michigan; Minnesota; Mississippi; Missouri; Montana; Nebraska; Nevada; New Hampshire; New Jersey; New Mexico; New York; North Carolina; North Dakota; Ohio; Oklahoma; Oregon; Pennsylvania; Rhode Island; South Carolina; South Dakota; Texas; Utah; Vermont; Washington, Wisconsin; and Wyoming.

VI. Referral Fee
The Referral Fee is not contingent on the purchase of insurance by you or the referred individual.
[You will be notified via email when you have earned a Referral Fee and will be required to claim
your Referral Fee via the link in the email. Referral Fees may be administered by a third-party. You
consent with sharing your personal information with that third-party for the purposes of
administering the Program.] 
Referral Fees will be in the form of an eGift Card from Amazon.com.
Restrictions, conditions, and limitations may apply.
Sana will not replace any lost or stolen eGift Cards.
Sana may combine multiple Referral Fees as a single eGift Card at its discretion.

VII. Miscellaneous
A. Taxes and Fees
You are responsible for all applicable taxes and fees resulting from any Referral Fee you receive
under the Program.

B. Release
By participating in the Program, you release Sana and its agents from all liability, including,
without limitation, all liability with respect to any and all Referral Fees.

C. Severability
If any provision in these T&C are held to be invalid, void, or unenforceable, such provision (or
the part of it that is making it invalid, void, or unenforceable) will be struck and will not affect
the validity and enforceability of the remaining provisions.

D. Termination and Denial of Payments
Sana may suspend or terminate the Program or a user's ability to participate in the Program at
any time for any reason without prior notice. Sana reserves the right to deny any Referral Fee if
it notices any activity that it believes is abusive, fraudulent, or contrary to the spirit of the
Program (including where it appears in Sana’s sole determination that the Program is being
used as a money-making scheme or insurance applications are being submitted solely to
generate rewards).

E. Modifications
Sana can update these T&C, including but not limited to the eligibility requirements, eligible
states, and Referral Fee amounts, at any time for any reason without prior notice. Such
modification is effective upon posting of the modified T&C on the Sana s website. Continued
participation in the Program after any modification shall constitute consent to such
modification. Sana reserves the right to review and investigate all referral activities and to
modify referrals as it deems fair and appropriate.

F. Contact Information
If you have any questions about the Program, Sana can be reached at
referral@sanabenefits.com.