Terms And Conditions
Effective date: 09/30/2022
Welcome to Sola Technologies Inc.
Sola Technologies Inc. (“us”, “we”, or “our”) operates http s:// solainsurance.com/ (hereinafter referred to as “Service”).
Our Privacy Policy governs your visit to http s:// solainsurance.com/, and explains how we collect, safeguard and disclose information that results from your use of our Service.
We use your data to provide and improve Service. By using Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions.
Our Terms and Conditions (“Terms”) govern all use of our Service and together with the Privacy Policy constitutes your agreement with us (“agreement”).
SERVICE means the http s:// solainsurance.com/ website operated by Sola Technologies Inc.
PERSONAL DATA means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
USAGE DATA is data collected automatically either generated by the use of Service or from Service infrastructure itself (for example, the duration of a page visit).
COOKIES are small files stored on your device (computer or mobile device).
DATA CONTROLLER means a natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal data are, or are to be, processed. For the purpose of this Privacy Policy, we are a Data Controller of your data.
DATA PROCESSORS (OR SERVICE PROVIDERS) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.
DATA SUBJECT is any living individual who is the subject of Personal Data.
THE USER is the individual using our Service. The User corresponds to the Data Subject, who is the subject of Personal Data.
Information Collection and Use
We collect several different types of information for various purposes to provide and improve our Service to you.
Types of Data Collected
Personal Data
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:
(a) Email address
(b) Address, State, Province, ZIP/Postal code, City
(c) Cookies and Usage Data
We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link.
Usage Data
We may also collect information that your browser sends whenever you visit our Service or when you access Service by or through a mobile device (“Usage Data”).
This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When you access Service with a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.
Tracking Cookies Data
We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information.
Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
(a) Session Cookies: We use Session Cookies to operate our Service.
(b) Preference Cookies: We use Preference Cookies to remember your preferences and various settings.
(c) Security Cookies: We use Security Cookies for security purposes.
(d) Advertising Cookies: Advertising Cookies are used to serve you with advertisements that may be relevant to you and your interests.
Use of Data
Sola Technologies Inc. uses the collected data for various purposes:
(a) to provide and maintain our Service;
(b) to notify you about changes to our Service;
(c) to allow you to participate in interactive features of our Service when you choose to do so; (d) to provide customer support;
(e) to gather analysis or valuable information so that we can improve our Service; (f) to monitor the usage of our Service;
(g) to detect, prevent and address technical issues;
(h) to fulfill any other purpose for which you provide it;
(i) to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection;
(j) to provide you with notices about your account and/or subscription, including expiration and renewal notices, email-instructions, etc.;
(k) to provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information;
(l) in any other way we may describe when you provide the information;
(m)for any other purpose with your consent.
Retention of Data
We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.
Transfer of Data
Your information, including Personal Data, may be transferred to – and maintained on – computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.
Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
Sola Technologies Inc. will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organisation or a country unless there are adequate controls in place including the security of your data and other personal information.
Disclosure of Data
We may disclose personal information that we collect, or you provide:
(a) Disclosure for Law Enforcement.
Under certain circumstances, we may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities.
(b) Business Transaction.
If we or our subsidiaries are involved in a merger, acquisition or asset sale, your Personal Data may be transferred.
(C) We may display your first name and the number of policies you have sold on our agent leaderboard, which is visible to other agents in your area. This feature is designed to foster a competitive and transparent working environment, encouraging peer recognition and professional growth.
(d) Other cases. We may disclose your information also:
(i) to our subsidiaries and affiliates;
(ii) to fulfill the purpose for which you provide it;
Security of Data
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
Your Data Protection Rights under the California Privacy Protection Act (CalOPPA)
CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivable the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. – See more at: https://consumercal.org/about-cfc/cfc-education-foundation/california-online-privacy
According to CalOPPA we agree to the following:
(a) users can visit our site anonymously;
(b) our Privacy Policy link includes the word “Privacy”, and can easily be found on the page specified above on the home page of our website;
(c) users will be notified of any privacy policy changes on our Privacy Policy Page; (d) users are able to change their personal information by emailing us at info@solainsurance.com. Our Policy on “Do Not Track” Signals:
We honor Do Not Track signals and do not track, plant cookies, or use advertising when a Do Not Track browser mechanism is in place. Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.
You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
Your Data Protection Rights under the California Consumer Privacy Act (CCPA)
If you are a California resident, you are entitled to learn what data we collect about you, ask to delete your data and not to sell (share) it. To exercise your data protection rights, you can make certain requests and ask us:
(a) What personal information we have about you. If you make this request, we will return to you:
(i) The categories of personal information we have collected about you.
(ii) The categories of sources from which we collect your personal information.
(iii) The business or commercial purpose for collecting or selling your personal information.
(iv) The categories of third parties with whom we share personal information. (v) The specific pieces of personal information we have collected about you.
(vi) A list of categories of personal information that we have sold, along with the category of any other company we sold it to. If we have not sold your personal information, we will inform you of that fact.
(vii)A list of categories of personal information that we have disclosed for a business purpose, along with the category of any other company we shared it with.
Please note, you are entitled to ask us to provide you with this information up to two times in a rolling twelve-month period. When you make this request, the information provided may be limited to the personal information we collected about you in the previous 12 months.
(b) To delete your personal information. If you make this request, we will delete the personal information we hold about you as of the date of your request from our records and direct any service providers to do the same. In some cases, deletion may be accomplished through de-identification of the information. If you choose to delete your personal information, you may not be able to use certain functions that require your personal information to operate.
(c) To stop selling your personal information. If you submit a request to stop selling your personal information, we will stop selling it. If you are a California resident, to opt-out of the sale of your personal information, click “Do Not Sell My Personal Information” at the bottom of our home page to submit your request.
Please note, if you ask us to delete or stop selling your data, it may impact your experience with us, and you may not be able to participate in certain programs or membership services which require the usage of your personal information to function. But in no circumstances, we will discriminate against you for exercising your rights.
To exercise your California data protection rights described above, please send your request(s) by one of the following means:
By email: info@solainsurance.com
Your data protection rights, described above, are covered by the CCPA, short for the California Consumer Privacy Act. To find out more, visit the official California Legislative Information website. The CCPA took effect on 01/01/2020.
Service Providers
We may employ third party companies and individuals to facilitate our Service (“Service Providers”), provide Service on our behalf, perform Service-related services or assist us in analysing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We may use third-party Service Providers to monitor and analyze the use of our Service.
Google Analytics
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.
For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en
We also encourage you to review the Google’s policy for safeguarding your data: https://support.google.com/analytics/answer/6004245.
Behavioral Remarketing
Sola Technologies Inc. uses remarketing services to advertise on third party websites to you after you visited our Service. We and our third-party vendors use cookies to inform, optimise and serve ads based on your past visits to our Service.
Google Ads (AdWords)
Google Ads (AdWords) remarketing service is provided by Google Inc.
You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads
Google also recommends installing the Google Analytics Opt-out Browser Add-on – https://tools.google.com/dlpage/gaoptout – for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.
For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en
Twitter remarketing service is provided by Twitter Inc.
You can opt-out from Twitter’s interest-based ads by following their instructions: https://support.twitter.com/articles/20170405
You can learn more about the privacy practices and policies of Twitter by visiting their Privacy Policy page: https://twitter.com/privacy
Facebook remarketing service is provided by Facebook Inc.
You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950
To opt-out from Facebook’s interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217
Facebook adheres to the Self-Regulatory Principles for Online Behavioural Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings.
For more information on the privacy practices of Facebook, please visit Facebook’s Data Policy: https://www.facebook.com/privacy/explanation
We may provide paid products and/or services within Service. In that case, we use third-party services for payment processing (e.g. payment processors).
We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.
The payment processors we work with are:
Their Privacy Policy can be viewed at: https://stripe.com/us/privacy
Links to Other Sites
Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Children’s Privacy
Our Services are not intended for use by children under the age of 13 (“Children”).
We do not knowingly collect personally identifiable information from Children under 13. If you become aware that a Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from Children without verification of parental consent, we take steps to remove that information from our servers.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update “effective date” at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Contact Us
If you have any questions about this Privacy Policy, please contact us:
By email: info@solainsurance.com
In order to enhance your business dealings with Sola Insurance, including all its subsidiaries, associated entities, and representatives, as well as the insurance company responsible for generating or issuing your policy or policies, we offer our Online Service and Communications in a digital format. This service is offered based on your explicit approval according to this Electronic Signature and Electronic Records Agreement.
  • "Agreement" refers to this Electronic Signature and Electronic Records Consent.
  • “Communications” means all records and information that We provide to you including, but not limited to, any that We are required to provide to you by law or as necessary or appropriate to administer your contract. These communications include, but are not limited to, your enrollment or application, supplemental applications, or requests for coverage, declarations page, policy, certificate, terms and conditions, responses to claims, transaction history, privacy policies, periodic billing statements, amendments, services, notices and disclosures about changes in the terms of your contract or policy(ies), whether conducted online or through a licensed insurance agent or otherwise.
  • “Online Service” means Our website, customer portal, agent portal, and mobile applications, and associated links, services and Communications available through the website and mobile apps.
  • “We,” “Us,” and “Our” means Sola Insurance, or any of its subsidiaries, affiliates, and agents, and any insurance company that writes or issues your policy(ies), including Spinnaker Insurance Company.
We are required by law to provide certain disclosures to you regarding electronic transactions. In addition, We need your consent to enter into this and future transactions electronically and before We can deliver, or authorize the delivery of, certain documents to you electronically. Your consent to this Agreement is voluntary. Depending on your State’s laws, if you have purchased our products directly through a website or online portal, and We deliver the product(s) to you electronically, your consent to have all future Communications delivered to you electronically is presumed until and unless you withdraw your consent pursuant to this Agreement. We may revise this Agreement in accordance with applicable law and the modified terms will apply to your policy(ies), claims transactions, and any other transactions with Us, unless you withdraw your consent to this Agreement. Please read this Agreement carefully before giving consent.
By electronically signing this Agreement, you agree that:
  1. You have read, understand, and agree to be legally bound by the Agreement, and consent to receive all Communications from Us electronically according to the process described in this Agreement, unless and until you withdraw your consent in the manner described in this Agreement;
  2. Your use of a mouse or other device to select an item, button, icon or similar act, or to agree, acknowledge, consent, opt-in, or certify to this consent constitutes your signature, acceptance, and agreement as if manually signed by you in writing;
  3. Your electronic signature is the legal equivalent of your handwritten signature and no certification authority or other third-party verification is necessary to validate your electronic signature;
  4. You are able to access and read this Agreement and Communications electronically;
  5. You are able to receive and read email messages sent to your email address of record;
  6. You are able to print or otherwise keep this Agreement and Communications for your own records;
  7. Your electronic device meets the system requirements necessary to print, store and receive documents electronically; and
  8. Certain documents to be delivered electronically will contain confidential information, information regarding your personal financial matters, and other personally identifiable information, and consent to the delivery these documents and information by electronic means.
Please note that cancellation and non-renewal notices regarding your policy will be mailed to you even if you enter into this Agreement.
We may provide you with any Communication in electronic format. We will not send you a paper copy of Communications unless (i) you request it, (ii) We deem it appropriate to do so, (iii) you withdraw your consent as described below, or (iv) We are required by law to send paper copies of documents. Please note that cancellation and nonrenewal notices regarding your policy will be mailed to you even if you enter into this Agreement.

You further acknowledge that We may authorize an agent to deliver certain Communications to you on Our behalf and perform other services to help facilitate the delivery of Communications to you. You agree that electronic delivery of Communications to you, rather than paper copies, does not affect the validity, legal effect or enforceability of these Communications, and you hereby waive applicable legal mailing periods to the extent permissible by law. You agree to the scope of Communications to be provided in electronic form. www.solainsurance.com
All Communications that We provide to you in electronic form will be provided by one or more of the following methods (to the extent permissible by law): (1) via email; (2) by access to a secure website that We will generally designate in advance for such purpose; or (3) via text message or multimedia messaging service. We will provide Communications in writing if required by law to do so. You agree to accept Communications via one of the three methods noted above.
You may withdraw your consent to receive Communications that We provide to you in electronic form by calling Us at (404) 446-0231, emailing Us at help@solainsurance.com, or writing Us at Sola Technologies, 1075 Peachtree St Ne Suite 6 #570091, Atlanta, GA 30309. At Our option, We may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic Communications. If We receive notice that your email address is invalid, We may contact you via US mail to send you the Communication(s) that was sent to the invalid email address and to confirm your email address. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after We have a reasonable period of time to process your withdrawal. Withdrawal of your consent to conduct business electronically does not affect the legal enforceability of any of your contracts, including, but not limited to, those that were signed electronically.
It is your responsibility to provide Us with a current, accurate, and complete email address, contact information, and other information related to this Agreement and your contract, and to maintain and update promptly any changes to this information. You can update your information by calling Us at (404) 446-0231, emailing Us at help@solainsurance.com, or writing Us at Sola Technologies, 1075 Peachtree St Ne Suite 6 #570091, Atlanta, GA 30309. Please do not send confidential information to Us via unencrypted email, as We cannot guarantee that the transmission will be secure.
Where permitted by law, if Sola sends you an electronic Communication but you do not receive it because your email address is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, We will nonetheless be deemed to have timely provided the Communication to you.
If you do not log into your Sola account during a 12-month period or if we have reason to believe your email address is no longer valid, We will attempt to contact you by US mail to ensure that Our records contain accurate information.
As long as you can access, and send and receive emails from, the email account you have provided to us in your Application, you will need these computer hardware/ software requirements:
Computer Hardware or Software Item Minimum Requirements
Supported Internet Browsers • Google Chrome Latest Release
• Mozilla Firefox Latest Release
• Apple Safari Latest Release
• iPad tablets running iOS 10 and above
• Android 6 and above
Computer System Requirements • Internet Access
• Minimum Screen Resolution 1024 x 768
• 512 MB RAM
• Cookies and JavaScript Enabled
• 500 MB available for storage of electronic documents
Portable Document Format (PDF) Reader • Adobe Acrobat Reader 11 or higher
• Adobe Acrobat Reader DC
• Apple Preview
You may obtain a paper copy of an electronic Communication by printing it yourself or by requesting that We provide one to you. You may request a paper copy by ccalling Us at (404) 446-0231, emailing Us at help@solainsurance.com, or writing Us at Sola Technologies, 1075 Peachtree St Ne Suite 6 #570091, Atlanta, GA 30309. Where permitted by applicable law, We may charge you a reasonable service fee for any paper copy We provide you at your request.
Requesting a paper copy of an electronic Communication does not withdraw your consent to this Agreement nor change your election to continue to receive Communications electronically.
Georgia Policyholders:
Kentucky Policyholders:
The policyholder who elects to allow for their policy, notices and communications to be sent to the electronic mail address provided by the policyholder should be aware that the election operates as consent by the policyholder for all notices to be sent electronically, including notice of nonrenewal and cancellation. Therefore, the policyholder should be diligent in updating the electronic mail address provided to the insurer in the event that the address should change. www.solainsurance.com
Tennessee Policyholders:
The policyholder electing to allow for notices and communications to be sent to the electronic mail address provided by the policyholder should be aware that the insurer rightfully considers this election to be consent by the policyholder that all notices may be sent electronically, including notice of nonrenewal and notice of cancellation. Therefore, the policyholder should be diligent in updating the electronic mail address provided to the insurer in the event that the address should change.
Signed electronically at solainsurance.com by clicking the checkbox and clicking confirm

Referral Program Terms

These Referral Program Terms, between you and Sola, describe and govern your participation in the Sola Referral Program. This program provides Users the opportunity to direct Referrals to Sola as potential customers using a Referral Link. Your participation in the Referral Program is subject to its terms and conditions. Any capitalized terms used but not defined in Section 8 of these Referral Program Terms have the meaning provided in the Sola terms and conditions agreement. We may update or replace these Referral Program Terms by posting an updated version to our website.

1. Your Eligibility

To be eligible to participate in the Referral Program, you must abide by these Referral Program Terms and be:

You are prohibited from participation in the Referral Program if:

2. Eligible Referrals

Where permitted to participate in this Referral Program, you will be provided one or more Referral Links that can be provided to potential Sola customers. These companies must use your Referral Links to qualify as a Referral. Sola may approve or reject applications submitted by Referrals using any criteria it determines is appropriate whether publicized or not. Referrals will not qualify for Referral Credits if they have or attempted to open a Sola Account at any time, are engaged in activities identified on the Prohibited Activities List, or fail any criteria we establish for approval. If a Referral is submitted by another referrer, you will only receive a Referral Credit if your Referral Link is associated with the application approved by Sola.

3. Referral Links and Referral Credits

Referral Links may only be used by you in conjunction with this Referral Program. You may not transfer them to a third party or sell or attempt to sell them. Sola may limit access or use of Referral links, or establish maximum Referral Credits, at any time and in its sole discretion. Sola owns all rights in Referral Links and any content or intellectual property associated with it. Sola will provide any earned Referral Credits to you in a manner stated on your referral page (for example, as points attributed to your Sola Account or as a gift card). Sola may withhold Referral Credits that you are otherwise entitled to if we believe that you breached these Referral Program Terms or other agreements with Sola, if you engaged in activity that was illegal or fraudulent, or if we determine that a Referral Credit was provided to you erroneously. You are responsible for all taxes arising from or related to Referral Credits you receive. Sola will not report any income or earnings related to Referral Credits to taxing authorities except where required under law.

4. Restrictions

As part of this Referral Program, you agree to:

5. Termination

These Referral Program Terms are effective as of the time you first send or generate a Referral Link and will terminate upon Notice by either you or Sola to the other party. Sola may terminate these Referral Program Terms upon Notice to you at any point in time.

6. Other Legal Terms

These Referral Terms integrate into the Notice, Governing Law, and Arbitration provisions of the Platform Agreement. Sola’s maximum liability to you for direct damages under these Referral Program Terms is limited to the total Referral Credits paid or payable to you in the preceding three-month period. Sola is not liable to you for consequential, indirect, special, or punitive damages, lost profits or revenue whether or not you advised us of their possibility. This limitation will apply regardless of the legal theory on which your claim is based. Sola may modify these Referral Program Terms at any time by posting an updated version to our Referrals page.

7. Entire Agreement

These Referral Program Terms constitute the entire understanding between you and Sola for the subject matter described and no other agreements, representations, or warranties other than those provided in these Referral Program Terms will be binding unless in writing and signed by The Agency and Sola.

8. Defined Terms

Capitalized terms in these Sola Referral Terms will have the meaning provided in the Terms and Conditions Agreement or as defined below:

Referral means a company that has not previously submitted an application for a Sola Account and submits an application for a Sola Account using your Referral Link.

Referral Program Terms means these Sola Referral Program Terms as amended from time to time.

Referral Credit means a monetary amount (such as a gift card or other monetary credit) or other benefit conferred by Sola (such as a credit of points to a Sola Account) for a Successful Referral.

Referral Link means a URL provided by Sola to you that can be provided by you to companies that you wish to refer to Sola.

Referral Program means the Program described on our website as governed by these Referral Terms.

Successful Referral means a Referral meets the criteria specified in these Referral Terms and has an application approved by Sola.

Third-Party Referrers means third parties that are not affiliated with a Sola Account that participate in the Referral Program. And “you” means the natural person executing this agreement or providing Referrals to Sola.

Rewards Terms

These Rewards Terms govern The Agents participation in the Rewards Program and describe how The Agent may be eligible for, accrue, earn, redeem, and forfeit Points or Rewards. By opening and maintaining a Sola Account in good standing, The Agent is automatically enrolled in the Rewards Program.

We may update these Rewards Terms at any time by posting an updated version to our legal page. For example, we may:

Available Rewards are subject to change at any time.

You may only participate in the Rewards Program if you accept all of these Rewards Terms. These Rewards Terms are effective when you activate your Sola Account.

1. Earning Rewards

1.1 Requirements and Eligibility for Participation

To participate in the Rewards Program, your Sola Account must be continuously in good standing.

If your Sola Account is not in good standing for any reason, or we determine in our sole discretion that you are abusing, gaming, or misusing the Rewards Program or have otherwise violated our Terms and Conditions Agreement or any of the terms, agreements, and policies incorporated by reference, you may be ineligible to accrue Points or earn or use Rewards, and you may forfeit any Rewards or Points previously earned or accrued.

Certain Sola Accounts may not be eligible to participate in the Rewards Program. We may update or change eligibility criteria, restrictions, and requirements at any time.

Available Rewards may vary based on the number or types of Services The Agent uses, The Agnet’s industry and location, how long The Agent has been a Sola customer, and other factors determined in our sole discretion. We may otherwise condition, restrict or limit available Rewards in our sole discretion.

1.2 Accruing Points

You may accrue Points through use of the Services. The specific Points you may accrue may be different depending on factors including the Services you use, the Rewards Tiers offered, and your eligibility. We may limit accrual and redemption of Points, including through caps, fees, and expiration.

Certain transactions may be excluded from accruing Points, including the cancelation of policies. We may determine it is excluded from eligibility for Points accrual at any time.

1.3 Reversals and Failure to Accrue

The accrual of Rewards or Points may be netted against canceled policies (such as refunds or chargebacks) or where we determine, in our sole discretion, that the conditions required for accrual of Rewards or Points were not satisfied. If this results in a negative Rewards or Points balance, we may subtract a proportionate number of Points from commissions or any future Points that would otherwise accrue to your Sola Account.

1.4 Rewards Tiers

We may establish Rewards Tiers with separate criteria for participation, and with distinct benefits, such as access to certain Restricted Rewards or different Rewards Multipliers. While we may publicize certain requirements for participation in a Rewards Tier, we will ultimately make independent evaluations as to whether The Agent qualifies for any given Rewards Tier. We may use any information that you provide to Sola, or that we have access to, when determining qualification for a Rewards Tier and we are under no obligation to disclose the factors taken into consideration when making our determination. The Agents eligibility for a Rewards Tier may be changed at any time in our sole discretion. Please contact us if you believe that you qualify for a specific Rewards Tier.

1.5 Restricted Rewards

Restricted Rewards may only be available to a subset of Sola customers or in limited quantities. For example, a Restricted Reward may provide certain Users satisfying specific requirements the option to attend an event with a limited number of seats. Redemption of a Restricted Reward will depend on the conditions that must be satisfied prior to exhaustion or expiration. You are not guaranteed access to Restricted Rewards, even if the exact number of redemption options or requirements are not communicated to you.

1.6 Additional Rewards Terms

Certain Rewards (including Restricted Rewards, Tiers, and Multipliers) or Points may be subject to additional terms and conditions that will be provided to you if applicable. For example, Sola may determine Rewards or Points redemption ratios and the timing of such redemption. Any Rewards partnerships with Third-Party Service Providers may also be also subject to additional terms and conditions determined by the Third-Party Service Provider. You are responsible for reviewing and understanding any such additional terms and conditions, and we disclaim any liability for claims that may arise in connection with Third-Party Service Providers.

2. Using Rewards

2.1 Points are not Property

Points are not your property. Any Points accrued by Users will be reflected in the Agents Account in accordance with these Rewards Terms. Points may only be redeemed by users.

Rewards are not transferable to any third party or any other Sola Account unless otherwise specified by Sola in any Rewards Program. Any non-permitted attempt to transfer Rewards is void, and any Rewards or Points that you attempt to transfer may be forfeited.

2.2 Redeeming Rewards

We display The Agents Rewards and redemption options in your Sola Account. Redemption options are subject to change and are subject to the terms, conditions, and availability of offers by external companies. The value of Points will vary depending on how authorized Users elect to redeem them, or in Sola’s sole discretion in accordance with these Rewards Terms. Rewards offerings with Third-Party Service Providers are not guaranteed and are subject to change or expire, either in Sola’s sole discretion or at the discretion of Third-Party Service Providers, with or without Notice. We or Third-Party Service Providers may condition when and how you can redeem Points or how you may earn Points or Rewards. For example, a Third-Party Service Provider may limit use of a Reward for their products or services to their new, or existing customers, or require use of a Reward before a specific date or impose a limit on the minimum or maximum number of Points that may be used.

We may limit use or redemption of Rewards or Points to specific authorized Users or accounts. You are solely responsible for ensuring that any actions taken by Users to use or redeem Rewards do not violate The Agencies policies or rules and any applicable industry practice, ethical obligations, or laws or regulations applicable to your specific business.

2.3 Redemption Ratios

We may change Points redemption ratios or revoke availability of redemption in our sole discretion with or without Notice.

2.4 Privacy

Users may be required to provide personal information to redeem Rewards, which may be provided to third parties. Users who redeem Rewards or Points provided by Third-Party Service Providers consent to Sola providing personal information for these purposes. Please review our Privacy Policy.

2.5 Taxes

The Agent understands that it is responsible for determining and obtaining appropriate tax treatment for any Rewards it redeems, and The Agents is solely responsible for any taxes arising from or related to any earned Rewards. Sola will not report any income or earnings related to Rewards to a taxing authority, except where expressly required by law.

3. Losing Rewards

3.1 Disqualification

You may be disqualified from participating in the Rewards Program if at any time you attempt to or otherwise game or misuse Rewards, Points, or the Rewards Program. Where we determine, in our sole discretion, That Agent no longer satisfies the requirements for participation in the Rewards Program, we may disqualify you and you may lose any Rewards or Points that you may have accrued.

3.2 Suspension or Termination

In the event of (a) suspension, or (b) termination of your Sola Account, your accrued Rewards or Points may be forfeited, and we may freeze your ability to redeem Rewards. We may refuse any request to use Rewards or Points, or terminate your participation in the Rewards Program if your Sola Account is not in good standing, if any payments are past due, if your Sola Account has been terminated, or if you have otherwise breached any of your obligations under the Terms and Conditions and applicable Programs. You may lose all accrued Rewards or Points when your account is terminated, either by you or us. If your Sola Account is delinquent, you do not accrue Rewards or Points.

If you do forfeit Points, we may allow you to regain these Points in our sole discretion, and we may charge a Fee or require you to pay all amounts owed to us, or place other conditions for doing so.

4. General Provisions

4.1 Changes to these Rewards Terms

We may modify these Rewards Terms or provide another agreement governing your use of the Rewards or any portion of them by providing you Notice. Any waiver, modification, or indulgence that we provide to The Agent, of any kind or at any time, applies only to the specific instance involved and will not act as a general waiver or a waiver, modification, or indulgence under these Rewards Terms for any other or future acts, events, or conditions. Further, any delay by Sola in enforcing our rights under these Rewards Terms does not constitute forfeiture of such rights.

4.2 Termination of the Rewards Program

Sola may terminate the Rewards Program or any Tiers at any time. If The Agents Terms and Conditions is terminated, these Rewards Terms will immediately terminate.

4.3 Other Legal Terms

Sola may assign, pledge, or otherwise transfer the administration of these Rewards Terms without providing Notice to you.

You release Sola from all liability for your use of Rewards and for your participation in the Rewards Program. Separately, you release Sola from liability for third party claims in accordance with these Rewards Terms.

5. Defined Terms

Capitalized terms in this Sola Rewards Terms will have the meaning provided in the Platform Agreement or as defined below:

Multipliers means any promotion provided by Sola that applies one or more Point per dollar of premium generated, as determined by Sola.

Points mean a unit that may be accrued or earned in a manner defined by Sola and has no monetary value.

Restricted Rewards means any Reward that is available for a limited time, in a limited quantity, to a certain Rewards Tier, or otherwise in time, scope, or to a subset of Sola customers.

Rewards means Points, credit, or other benefits conferred by Sola through participation in the Rewards Program.

Rewards Program means the program offered by Sola described on our Rewards page as governed by these Rewards Terms.

Rewards Terms means these Sola Rewards Terms as amended from time to time.

Tier means a status designated by Sola that may include additional benefits, access to exclusive Rewards, or specific Multipliers.

The Agent means the User who is appointed with Sola and is using the account