Referral Rewards Program Terms and Conditions

Last Updated: August 20, 2018

These Thor Referral Rewards Program Terms and Conditions (“Program Rules”) govern your participation in the Thor Referral Rewards Program. The Program Rules are in addition to any agreements between you and Thor, including the Thor Terms and Conditions, and/or the Thor Privacy Policy as applicable (collectively, the “Thor Terms”). The Thor Terms are incorporated by reference and shall apply to your participation in the Thor Referral Program, including, if necessary, to resolve any disputes between you and Thor related to or arising out of the Referral Program.

Program Overview

The Thor Referral Program (“Referral Program”) is offered by Thor Technologies, Inc. (“Thor”) and provides Users who are interested in referring their family and friends (“Referrers”) the opportunity to refer eligible individuals to complete the Thor Questionnaire (each a “Prospect”)and  join the Thor Platform as potential purchasers of a Thor-branded health plan (“ThorCare”) or actual purchasers of a Thor branded health plan (each an “Insured Member”). These Program Rules apply to Referrers, Prospects and Insured Members, so please read carefully to understand your respective rights and obligations.

Referrer Eligibility

To be eligible to participate in the Referral Program as a Referrer, you must (a) be a legal resident of your country; (b) be the age of majority in your territory of residence; and (c) be a User in good standing.  However, if you violate the Referral Program Rules or any applicable Terms of Service, Thor may suspend or terminate your ability to participate in the Referral Program under any or all of your accounts. For example, if you are a User of the Thor Platform and you engage in prohibited referral activity under your User account, Thor may terminate your ability to participate in the Referral Program under your Thor User account.

Thor Codes

Under the Referral Program, Thor may provide you with a unique URL (“Thor Code”) to distribute to eligible individuals to become new Prospects and/or Insured Members. Thor owns all rights in and to any Thor Code provided to you. You acknowledge and agree that: (a) Thor may limit the number of Thor Codes you may create or are made available to you, (b) you have no ownership rights in any form over the Thor Codes, and (c) Thor may reclaim, deactivate, invalidate, or terminate your Thor Code at any time at its discretion.

How to Refer Prospects and Insured Members

a. Prospects.

You may refer eligible individuals to become Prospects to the Thor Platform. In order to be eligible for a Referral Reward (defined below) for a Prospect, the person must (i) have never previously created a Thor account; (ii) be at least the age of majority in your territory of residence, (iii) complete the ThorCare questionnaire, and (iii) satisfy the applicable Reward Criteria, as discussed below. If these conditions are met, the person shall be considered your “Referred Prospect.”

b. Insured Members.

You may refer eligible individuals to become Insured Members on the Thor Platform. In order to receive a Referral Reward for a new Insured Members, the person must (i) have never previously been a Insured Members; (ii) complete the ThorCare questionnaire and/or meet all eligibility requirements, be approved and subsequently purchase a qualifying ThorCare plan, and (iii) satisfy the applicable Reward Criteria. Eligibility and approval is determined at the sole discretion of Thor and its service partners and is not guaranteed. The duration of the review process may vary. If these conditions are met, the person shall be considered your “Referred Insured Member.”

c. Referral Invitations.

You may invite eligible individuals to become Prospects or Insured Member by distributing your Thor Code directly and instructing them to follow the URL. A Prospect or Insured Member will not be able to apply your Thor Code if they’ve already applied another User’s Thor Code or a different promotion code. If a Prospect or Insured Member does not follow the URL in your Thor Code you will not receive attribution for the referral and they will not be considered your Referred Prospect or Referred Insured Member.  

d. Referral Invitations through the Thor Platform.

You may also invite your family and friends to become Prospects and Insured Members directly through the Thor Platform by entering or providing Thor with your invitee’s contact information (all information collected by Thor under the Referral Program shall be governed by Thor’s Privacy Policy). Inviting an individual through the Thor Platform may generate an automatic invitation text (SMS), email, or via certain social media channels (the “Invitation”) to the person which may be sent through your phone number or a number controlled by Thor. You represent that you have the necessary consent from your invitee to send them the Invitation (either directly or through the Thor Platform). If your invitee follows the links in your Invitation and completes the ThorCare questionnaire, your Thor Code will be automatically applied on the new Prospect’s or Insured Member's profile, as applicable.

Referral Rewards

a. General.

You are eligible to earn a referral incentive (“Referral Reward”) for each Referred Insured Member and Referred Prospect that you refer to the Thor Platform (subject to certain maximum limits and the other terms in these Referral Program Rules) and who complete the Thor questionnaire. All Referral Rewards will be paid in the form of Amazon Gift Cards. As discussed above, in order to qualify as your Referred Prospect or Referred Insured Member, the individual must satisfy the applicable Reward Criteria. The Reward Criteria are set by Thor in its sole discretion and are subject to change at any time. The Reward Criteria may vary by market or within a particular market. Thor, at its sole discretion, may make available certain promotions with different Reward Criteria or Referral Rewards to other Users or prospective Users. These promotions shall have no bearing whatsoever on your Agreement or relationship with Thor. Referral Rewards will be paid to eligbile Users within sixty (60) days following the end for the Referral Program.

b. Referral Rewards for Referred Prospects.

The maximum amount of Referral Rewards that Thor will pay to a User for Referred Prospects is $2,500 per month (in the form of Amazon Gift Cards).  A leaderboard will track the amount of Referred Prospects provided by each User during a given month. At the end of the month, the top 10 Users, ranked in order of total Referred Prospects, will divide up that month’s total pool as follows

  • 1st place: 30%
  • 2nd place: 15%
  • 3rd/4th/5th place: 10%
  • 6th through 10th place: 5%

The total Referral prize pool for Referred Prospects will start at $500 each month, but may increase to $1,000 if a total of 500 Referred Prospects are referred during that month, and will increase by another $1,000 every time we get another 500 Referred Prospects during a given month. The total Referral prize pools for Referred Prospects will be capped at $5,000 each month, for a total cap of $20,000 for the four-month program ending on December 31, 2018. Each User may view the leaderboard by logging into their unique dashboard via the Thor Platform.

You may not create multiple Thor accounts to circumvent the Referral Reward maximum, and Thor may withhold or deny any amounts above the maximum Referral Reward. Thor reserves the right to change this maximum amount, and it is your responsibility to review the Referral Program Rules for the current maximum limits.

c. Earning Rewards for Referred Insured Members.

When you refer a Prospect to the Thor Platform and he/she becomes a Referred Insured Member you may be eligible for a Referral Reward if the Referred Insured Members is approved and satisfies the Reward Criteria. Each User who refers a Prospect that is approved and subsequently purchases a qualified ThorCare plan will earn $50 for the User whose referral url directed the Referred Prospect to Thor by using the Thor Code.

For example, if a User refers 1,000 Prospects during the Referral Program and 200 of those Referred Prospects are approved and subsequently purchase a qualified ThorCare plan, that User will receive $10,000 in addition to any Referred Prospect rewards.

The applicable Reward Criteria may vary by time and by market. Thor will confirm the applicable Reward Criteria for the Referred Insured Member (if any) upon their approval and purchase of their ThorCare plan. As a standing rule, the Insured Member applicants must complete their ThorCare application and become approved for a ThorCare plan within 30 days of starting the application in order for a User to be eligible to complete the Reward Criteria.  

d. Maximum Rewards for Referred Insured Members.

Thor reserves the right to set a maximum amount of Referral Rewards you can earn per week (or any other time increment) for referring new Thor Insured Members to the Thor Platform. It is your responsibility to review the Referral Program Rules for the current maximum limits.

f. Resolving Disputes over Referrals.

Only one person can earn a Referral Reward for a single Referred Prospect or Referred Insured Members. In the event that multiple persons claim credit for a particular referral, Thor has full discretion to determine which person earned such referral according to Thor’s systems.

e. Reservation of Rights.

Thor reserves the right to withhold or deduct Referral Rewards obtained through the Referral Program in the event that Thor determines or believes that the receipt of the Referral Reward was in error, fraudulent, illegal, or in violation of these Referral Program Rules or any other applicable agreement between you and Thor.


In connection with your participation in the Referral Program, you expressly agree to the restrictions listed below. When distributing, promoting, or communicating your Referral Code(s) you agree that:

No spamming. You agree that you will not “spam” anyone with invitations to join the Thor community, and that you at all times will remain compliant with CAN-SPAM, the TCPA, and other applicable laws. The following specific activities are prohibited:

  1. Mass emailing, texting or messaging people you do not personally know;
  2. Use of automated systems or bots through any channel to distribute, post, or respond to your Referral Code;
  3. Use of scripts, programmed, or automatic dialers to send invites or to communicate Referral Codes; and
  4. Posting referral codes on event or venue pages without express permission from the owner.

No Misrepresentations. You agree that you will not attempt to mislead anyone in connection with the Referral Program, either by affirmative representation, implication, or omission. In particular, you agree that you will not:

  1. Impersonate any person or entity
  2. Create fake accounts, blogs, webpages, profiles, websites, links, or messages
  3. Misrepresent your relationship with Thor or any other third party (Don’t create content or communications that could have the effect of leading a consumer to believe that it is an official communication from Thor.)
  4. Suggest that an affiliation or partnership exists with a third party where none exists.
  5. Don’t make misrepresentations with respect to the characteristics or qualification requirements for any referral rewards. You acknowledge that Thor may change the characteristics or qualification requirements for referral rewards in its discretion, and therefore you shall not represent any fixed characteristics (e.g., amount of Referral Rewards, expiration date).

Prohibited content. You agree that you will not use the Thor brand in connection with:

  1. Disparaging or defamatory content concerning Thor or third parties;
  2. Content which promotes racism, bigotry, hatred, discrimination, or physical harm of any kind against any group or individual;
  3. Offensive, abusive, intimidating, or harassing content
  4. Content that is sexually explicit, obscene, and/or contains nudity
  5. Any political and/or religious statement;
  6. Content containing images or reference to drugs, alcohol, tobacco, weapons, or firearms
  7. Content that violates someone else’s privacy

Other restrictions. You also agree that you will not:

  1. Specify the monetary amount of the referral code unless authorized by Thor in writing;
  2. Create websites, domains, URLs, social media handles, or email addresses containing the word “Thor”;
  3. Use the names or marks of Thor competitors
  4. Use images of celebrities or other public or private figures without their written consent
  5. Use someone else’s brand name or intellectual property without their written consent;
  6. Engage in phishing or attempting to obtain financial or other personal information
  7. Solicit passwords or personally identifiable information
  8. Sell your Referral Code. You agree that you will only distribute your Thor Code free of charge only for promotional purposes. You may not sell, trade, or barter your Thor Code under any circumstances. You may not pay or provide anything of value to an invited user beyond any referral credit or collateral supplied by Thor.
  9. Violate or infringe the rights of a third party. You will not create any Thor Code that infringes on the intellectual property rights of any third party. You will adhere to the License terms in any use of the Thor Marks.
  10. Advertise. You agree that you will not pay to advertise your Thor Code or the Referral Program, including via Google, Facebook, Twitter, Bing, and Craigslist.
  11. Create printed materials other than those authorized by Thor.
  12. Post printed materials on public or private property without the express written consent.
  13. Engage in fraudulent activity. You agree that you and your referrals will not defraud or abuse (or attempt to defraud or abuse) Thor, the terms of the Thor Referral Rewards Program, or any invited users.

If you violate any of these restrictions Thor may, in its discretion, remove your eligibility to participate in the Referral Program, and/or deny you any Referral Rewards earned in violation or suspected violation of these restrictions.

Other Terms

The following terms shall also apply to your participation in the Referral Program.

  1. Referred Prospects who earn a Referral Reward for satisfying the Reward Criteria are not eligible for other sign-on bonuses or sign-on guarantees.
  2. Users cannot earn Referral Rewards for referring themselves.
  3. In exchange for allowing you to promote your Thor Code online (subject to the restrictions above), you agree to include a link on any such promotion page back to Thor’s promotion page (or such other page as Thor designates).
  4. All Thor promotions run for a limited time only and are subject to change at Thor’s discretion.
  5. Thor employees and direct family members are not eligible for Referral Rewards.
  6. Only U.S. residents may sign up for ThorCare.

Definitions and Footnotes:

Persons on the Thor Platform (each a “User”) shall create a User account that enables access to the Thor Platform. Each person may only create one User account, and Thor reserves the right to shut down any additional accounts.  Each User is subject to the Thor Terms and Conditions.

The "Thor Questionnaire" is a multi-question anonymous survey intended to collect non-personal health information. Thor does not purposefully collect or store “protected health information” (“PHI”), as defined in HIPAA (45 C.F.R. § 160.103); and sending, submitting, posting, or otherwise providing to Thor, or uploading, storing, or otherwise transferring to Thor Technologies, Inc., any PHI (or other personally identifying information for any individuals from which the PHI is derived), including “individually identifiable information,” as defined in HIPAA, and “personal data,” as defined in the EU Privacy Directive, is strictly prohibited, and we disclaim all responsibility or liability with respect to any such information.

The "Thor Platform" ( provides a hosted wallet and marketplace where persons may seek access to certain goods and services.

"ThorCare" is a prospective Thor-branded health care plan. ThorCare has not yet been established and will be formed pursuant to all applicable laws and regulations. is not a sponsor of this Referral Rewards Program. Except as required by law, Gift Cards ("GCs") cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goods on or certain of its affiliated websites. For complete terms and conditions, see GCs are issued by ACI Gift Cards, Inc., a Washington corporation. All Amazon ®, TM & © are IP of, Inc. or its affiliates. No expiration date or service fees.

Users will receive an Amazon gift card for their local Amazon website (e.g. UK residents will receive a gift card for if they reside in the following countries: United States of America, Canada, China, France, Germany, Italy, Japan, Spain, and UK. Users who reside in any other country will receive a Global Virtual Visa® Reward for an equivalent amount. A Global Virtual Visa® Reward is a prepaid account that can be used everywhere Visa debit cards are accepted online, by phone or mail.