Our Family App Referral Program Terms

Effective version: September 3, 2026 — Revised

These Terms govern participation in the Our Family App Referral Program offered by Our Family App, Copilot For You, and Starin Solutions LLC (“Our Family App,” “we,” “us,” or “our”). Campaign-specific reward amounts, dates, limits, customer benefits, and special conditions may be published separately and are incorporated into these Terms.

1. Participation Is By Approval Only

Referral Program participation is not automatic. A person is not eligible merely because they have purchased, joined, or use Our Family App. A person must request participation and receive approval from Our Family App before a referral code or referral link becomes active.

2. Current Authorized User Required

A participant must be a current authorized user of a valid, live Our Family App account and must remain in good standing. A person who is not a current authorized user is not participating under this Referral Program. Any compensated promotional arrangement with a non-user is treated separately as paid advertising, sponsorship, promotion, or another commercial relationship and does not satisfy the requirements of a referral under this Program.

3. Required Conditions Before Approval

Before referral participation may be approved, the applicant must: (a) accept these Referral Program Terms; (b) be a current authorized live Our Family App user; (c) complete and provide a valid Form W-9 or other required tax documentation; (d) provide valid Zelle payout information; and (e) receive Admin approval.

4. Zelle Is The Exclusive Payout Method

All referral rewards are paid exclusively by Zelle. Participants must provide the recipient name and valid email address or U.S. mobile number used for Zelle. We do not provide referral payouts by check, PayPal, Cash App, Stripe payout, gift card, account credit, or other payment method. A participant is responsible for keeping Zelle information accurate and current.

5. Referral Code And Link

Approved participants may receive a unique referral code and shareable referral link. Codes and links are issued only for approved referral participation. They may not be transferred, sold, falsified, altered to impersonate another participant, or used to misrepresent affiliation with Our Family App.

6. Required Referral Disclosure

Every participant must clearly disclose that they may receive a reward or compensation for a successful referral. The disclosure must be clear, easy to understand, and placed reasonably close to the referral recommendation, link, or code when practical. It may not be hidden in fine print, obscured, or phrased deceptively.

An acceptable example is: “Disclosure: I may receive a referral reward if you purchase Our Family App using my referral link or code.”

7. Failure To Disclose

Failure to make the required referral disclosure may result in withholding or disqualification of the related referral compensation, reversal of previously credited referral rewards where appropriate, suspension of referral privileges, and permanent removal from the Our Family App Referral Program. Repeated, intentional, or deceptive failure to disclose may result in permanent removal even if an individual referral would otherwise have qualified.

8. Attribution

Unless a campaign states otherwise, referral attribution may be recorded when a prospective customer follows a valid referral link or enters a valid referral code before or at the time of purchase. The standard attribution window is 30 days. The first valid recorded referrer generally receives attribution. Retroactive claims are not accepted except when Admin verifies a documented system or attribution error.

9. Qualifying Referral

A qualifying referral must involve a genuine new Our Family App customer who completes the paid qualifying purchase required by the applicable campaign. A click, demo, registration, order creation, or unpaid transaction alone does not create a right to referral compensation.

10. Self-Referrals, Duplicate Accounts And Manipulation

Self-referrals are prohibited unless a campaign expressly states otherwise. Duplicate accounts, manufactured accounts, artificial purchases, coordinated manipulation, fake traffic, or other activity primarily intended to generate referral compensation may be disqualified and may result in suspension or permanent removal.

11. One Referrer Per Qualifying Customer

Only one referrer may receive credit for a qualifying customer or order. The first valid recorded attribution controls unless Admin determines that a documented system error occurred.

12. Qualification Hold

Qualifying paid referrals may be subject to a hold period established by the applicable campaign. During the hold, rewards remain pending. Refunds, disputes, chargebacks, cancellations, fraud findings, or failure to satisfy program requirements may void or reverse the referral.

13. Rewards And Campaign Terms

Reward amounts, referred-customer benefits, campaign dates, limits, qualifying actions, and hold periods may vary by campaign. Referral compensation is not guaranteed merely because a code or link was shared.

14. Payout Eligibility

No payout is due unless the participant remains an approved current authorized user in good standing, has a valid approved W-9 on file, has valid Zelle payout information on file, and the referral has fully satisfied the applicable qualification and review requirements.

15. Taxes

Participants are responsible for their own tax obligations. We may withhold or delay payment when required tax documentation is missing, incomplete, inaccurate, expired, or otherwise not acceptable.

16. Honest Promotion

Participants must describe Our Family App and the Referral Program truthfully. Spam, unsolicited bulk messaging, deceptive advertising, false testimonials, misleading earnings claims, impersonation, unauthorized use of another person's identity, cookie stuffing, forced redirects, automated fake traffic, or misleading domains are prohibited.

17. No Earnings Guarantee

The Referral Program creates an opportunity to receive rewards when all applicable conditions are satisfied. We do not guarantee referrals, conversions, compensation, or any amount of earnings.

18. Tracking And Records

Our systems may track referral links, referral codes, orders, qualifying payments, status changes, reversals, approvals, and payouts. Participant dashboards are provided for convenience. Our internal records, payment records, and audit history control in the event of a discrepancy, subject to correction of verified errors.

19. Fraud, Abuse And Program Integrity

We may review unusual patterns, duplicate activity, self-referrals, suspicious transactions, misuse, disclosure violations, inaccurate tax or payout information, or violations of these Terms. Rewards may be withheld, suspended, reversed, or denied when activity appears fraudulent, abusive, manipulated, deceptive, or inconsistent with program requirements.

20. Refunds, Chargebacks And Reversals

If a transaction that produced referral credit is refunded, disputed, charged back, reversed, cancelled in a manner that defeats the qualifying terms, or later determined to be ineligible, the related referral reward may be cancelled or reversed. If payment has already been issued, the amount may be offset against future referral compensation where legally permitted.

21. Suspension And Permanent Removal

We may suspend or permanently terminate referral participation for fraud, manipulation, deceptive promotion, failure to make required disclosures, inaccurate tax or payout information, violations of Our Family App Terms, loss of authorized-user status, or other serious program-integrity concerns. A terminated participant has no right to future referral participation unless Our Family App expressly restores eligibility in writing.

22. Program Changes

We may change, pause, end, replace, or introduce referral campaigns. Current campaign terms control variable items such as reward amount, dates, customer benefit, qualification period, and limits. These core eligibility, disclosure, tax, Zelle-payout, and program-integrity requirements remain applicable unless expressly revised in the published Referral Program Terms.

23. Referral Caps And Velocity Controls

Campaigns may limit the number of compensated referrals available to a participant. Our systems may also flag unusually rapid referral activity, repeated referral activity from the same network, or other patterns that reasonably warrant manual review. Reaching a campaign cap does not create a right to additional compensation.

24. Risk And Abuse Safeguards

To protect the integrity of the Referral Program, we may use limited technical and account signals such as hashed IP information, browser or user-agent hashes, referral timing, repeated signup patterns, account history, prior customer status, payment status, refund or dispute history, and other information reasonably available to Our Family App. A single technical signal does not necessarily establish wrongdoing and may instead cause a referral to be held for manual review.

25. Previously Existing Or Recreated Accounts

A person does not become a new customer merely by using a different email address, deleting and recreating an account, or otherwise attempting to disguise prior Our Family App participation. Referrals involving an existing or prior customer may be disqualified.

26. Promotion And Offer Stacking

Referral rewards may not be combined or stacked with another promotion, coupon, discount, affiliate arrangement, or acquisition incentive unless the applicable campaign expressly allows it.

27. Unauthorized Mass Distribution

Referral codes and links are intended for genuine referrals. Posting or distributing them through coupon sites, automated deal networks, click farms, bulk unsolicited messaging, bot networks, or similar channels primarily intended to manufacture referral compensation is prohibited unless specifically authorized by Our Family App.

28. Manual Review

Referrals that trigger one or more risk indicators may be placed in manual review and will not become payable until the review is cleared. We may request reasonable supporting information when necessary to determine eligibility.

29. Independent Participation

Participation does not create an employment relationship, partnership, joint venture, agency, franchise, or authority to act for Our Family App, Copilot For You, or Starin Solutions LLC.

30. Privacy

A referrer receives only the information reasonably necessary to understand referral status. Referral participation does not provide access to a referred family's private Our Family App content, communications, photos, documents, or other private family information.