Referral Consent

1. Purpose and scope

This Referral Consent governs the initial non-financial SmartVest introduction and the related account, referral, scheduling, security, service, and outcome workflow. It supplements the Terms of Use and Privacy Policy. It does not authorize an underlying purchase, advice, transaction, or unrelated marketing.

2. Step 1 — referrer confirmation

Before submitting another person, the referrer must affirm: “I confirm that this person has agreed to be introduced through SmartVest and has given me permission to provide their contact information to SmartVest for this referral. I understand that SmartVest may contact them regarding this introduction.”

• Do not submit purchased or scraped lists.
• Do not use public-directory information without the person’s permission.
• Do not submit anyone who did not authorize the introduction.
• Provide only minimal accurate contact and broad-category information.

3. Step 2 — independent client choice

The invitation identifies the referrer, professional/business, category, reason for contact, SmartVest, and the absence of obligation. The client may decline or separately accept: the Terms; the Privacy Policy and required processing; referral sharing with the named professional/business; and necessary referral, scheduling, security, and service communications.

4. Referral sharing

After acceptance, SmartVest may share the contact information, broad category, scheduling information, referral status, and limited context reasonably required by the named professional/business. SmartVest consent never provides unrestricted permission for unrelated marketing.

5. Marketing

Optional SmartVest marketing is a distinct checkbox that defaults OFF and is not required. It is separately recorded and may be unsubscribed from. Neither the referral nor required service communications enroll the client in marketing by SmartVest, the referrer, or the professional/business.

6. Declining

A client may decline through the secure invitation. SmartVest then stops the active workflow and unnecessary messages and preserves only information reasonably required for suppression, preference, audit, security, dispute, or legal obligations.

7. Professional/business acknowledgement

Before client referral details are released, the receiving professional/business must acknowledge that the data will be used only for the authorized referral/service purpose and in compliance with privacy, marketing, professional, and regulatory obligations. For a regulated category, the participant must also confirm appropriate licensing or authorization.

8. Regulated activity

A referrer must not give advice, perform suitability analysis, negotiate, recommend a product, or conduct closing or other licensed activity unless properly authorized. Insurance, investments/securities, mortgages, real estate, and other regulated categories remain subject to separate approval and program controls.

9. Rewards are dormant

Referral rewards are not currently active. Submitting or accepting a referral does not guarantee acceptance, a meeting, conversion, or reward. No reward is promised, earned, funded, payable, or transferable. Any future compensation requires a separately active, approved, versioned ReferralProgram and its conditions.

10. Separate financial acceptance

Referral consent authorizes only the stated introduction and related service communications. It does not accept paid-referral terms, a Business Acquisition campaign, Product Chargeback recovery, future-reward offsets, or any transfer. If a financial program is later activated, the affected referrer and business/professional must separately review and affirmatively accept the applicable current public disclosure and the exact locked program, campaign, and product-rule versions before a financial entitlement or obligation can arise.

11. Invitations and material connections

The invitation is a limited service message with SmartVest identity/contact information, the referrer’s identity, why it was sent, and accept/decline paths. It avoids unrelated promotion. A referrer publicly promoting a service while eligible for compensation must clearly and prominently disclose that material connection.

12. Evidence and contact

SmartVest stores immutable versioned evidence of affirmative actions, roles, purpose, referral identifier, and time while minimizing sensitive metadata. Questions or withdrawal requests: privacy@smartvest.ca. Support: support@smartvest.ca. SMARTVEST TECHNOLOGIES INC..