Kinro Referral Program Terms

These terms apply to invitations from Kinro to participate in the customer referral program. The program is available only to eligible Kinro insured customers in states Kinro has approved for the program.

How a referral qualifies

An eligible customer earns the thank-you amount shown in their referral invitation when a new business lead uses that customer's personal Kinro link and receives an insurance quote from Kinro. Completing intake or qualifying for quote preparation alone does not earn a reward. The referred business does not need to purchase or bind insurance. Purchasing insurance does not change whether a referral qualifies.

Eligibility and limits

• The referring customer must have completed a Kinro insurance purchase and be marked as bound in Kinro's records.
• The referring customer and referred business must be located in states currently enabled for the program.
• The referred business must be new to Kinro during the prior 12 months and must use the personal referral link.
• Self-referrals, referrals involving the same beneficial owner, existing or former customers, duplicate leads, inaccurate submissions, spam, and fraudulent activity do not qualify.
• A customer may receive payment only up to the monthly referral limit displayed in their Kinro referral program at the time the referral qualifies.

No insurance solicitation or advice

Participants may share their personal link and describe their own experience with Kinro. They may not discuss, recommend, negotiate, or explain policy terms, coverage, pricing, carriers, or insurance needs on Kinro's behalf. Participants are not acting as insurance producers or representatives of Kinro.

Payment timing

The reward amount is the amount displayed in the customer's referral program when the referral qualifies. After the displayed review hold, Kinro normally includes the reward in its next payout batch. Kinro sends the reward as a digital gift card by email through Tremendous; the recipient uses Tremendous's secure link to choose from the reward options available in Kinro's campaign. The reward is not cash and is not a discount on insurance.

The customer is responsible for keeping the email address on their Kinro account current and for checking spam or junk folders for the Tremendous delivery. Kinro may delay or withhold a reward while reviewing duplicate, eligibility, abuse, or compliance concerns. Participants are responsible for any taxes associated with rewards they receive.

Privacy

Kinro will tell a referring customer only whether a referral reward is pending, earned, being processed, paid, or ineligible, together with a general eligibility reason. Kinro will not disclose the referred business's quote, carrier, premium, purchase, decline, or coverage outcome.

Program changes

Kinro may pause, modify, or end the program, change enabled states, or update these terms. Changes do not remove rewards already earned under the terms in effect when the reward was earned, except in cases of fraud, error, or ineligibility.

Questions may be sent to contact@kinro.com.