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Official Rules - Refer-Your-Friends Campaign



  • The Campaign officially started on 11/1/2020

  • Oliver Huang & Jill Chen Insurance Agency reserves the rights to cancel, terminate, modify or suspend the campaign without notice


The sponsor of this Campaign is Oliver Huang and Jill Chen Insurance Agency ("Sponsor"). By participating in the Campaign , each Entrant unconditionally accepts and agrees to comply with and abide by these Official Rules and the decisions of Sponsor, which shall be final and binding in all respects. Sponsor is responsible for the collection, submission or processing of Entries and the overall administration of the Campaign. Entrants should look solely to Sponsor with any questions, comments or problems related to the Campaign. Sponsor may be reached by email at  This Campaign is subject to all applicable federal, state and local laws and regulations and is void where prohibited or restricted by law.



  • Eligible Referrer: A client who has 1 or more active policies with Oliver Huang & Jill Chen Insurance Agency at the time of referral submission and reward granting

  • Eligible New Customer/Household (Eligible Referee): An eligible customer/household who hasn't had an active/eligible policy with Oliver Huang & Jill Chen Insurance Agency within 1 month from the date of submission.  Family/household with multiple members will be counted as a single referee.  A single "Household" shall mean those who share the same residence at least three (3) months a year.   An eligible referee by definition has to be entered/submitted by an eligible referrer using the online submission form

  • Eligible Policy Types: 

    • Auto​

    • Property (Primary Residence & Landlord/Rental)

    • Renters (only if bundled with other policy types; not eligible if mono-line)

    • Health (only if bundled with other policy types; not eligible if mono-line)

    • Earthquake

    • Flood

    • Life

    • Business Liability

    • Workers Compensation

  • Eligible Referral: An eligible referral means a referral of an eligible customer/household who is interested in eligible policy types



A success referral is when an active client (eligible referrer) of Oliver Huang & Jill Chen Insurance Agency submits an eligible referral and their friend (eligible referee) purchases eligible policy types and becomes an eligible new customer of the agency within three (3) months from the referral submission date, the eligible referrer will be rewarded with a thank-you gift card.

4. REWARDS:  A electronic gift card of $10 will be rewarded to each successful referral based on definitions above

  • The sponsor reserves the right to decide on the gift card vendor(s) and may change without notice, for any reason.

  • The gift card will be sent electronically via email - we will not be handing/sending out physical gift card

  • The sponsor will not give cash in place of gift card


Gift cards are subject to the terms and conditions of the issuer.  Sponsor will not replace any lost or stolen electronic gift card as a result of email security breach/hack.

5. HOW TO SUBMIT: During the Campaign Period, visit and complete the submission form. Failure to complete the submission form in its entirety or inaccurate information may result in disqualification. An eligible referrer must have a valid email address and phone number.

     5.1 An eligible referrer is eligible to receive one (1) gift card upon each successful referral. No limit to number of gift card(s) an eligible referrer can receive.


Important: Before submission, you must obtain your friend's (referee's) approval to share their names, phone numbers, email addresses and their consents for Olive Huang & Jill Chen Insurance Agency to contact them.  Submission without your friend's prior approval will immediately disqualify you from participating in this campaign and may affect your eligibilities for future campaigns.  

The automated or robotic Entries submitted by individuals or organizations will be disqualified.  Internet entry must be made by the eligible referrer.  Final eligibility for the award is subject to eligibility verification by the sponsor. All submissions must be posted by the end of the Campaign Period in order to participate. Sponsor's database clock will be the official timekeeper for this Campaign.
6. PRIVACY: Sponsor may be collecting personal data about eligible referrers including, without limitation, complete name, address, email address, and phone number (including area code) of the eligible referrers. Sponsor is entitled to use personal data contained in all entries in accordance with the Sponsor’s Privacy policy. By participating in the Campaign, eligible referrers hereby agree to all personal information uses and share for the purpose of administration and prize fulfillment. Any personal information supplied by eligible referrers will be subject to the privacy policy of the Sponsor posted at

7. LIMITATION OF LIABILITY: Sponsor assumes no responsibility or liability for (a) any incorrect or inaccurate entry information, or for any faulty or failed electronic data transmissions; (b) any unauthorized access to, or theft, destruction or alteration of entries at any point in the operation of this Campaign; (c) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications line failure, regardless of cause, with regard to any equipment, systems, networks, lines, satellites, servers, camera, computers or providers utilized in any aspect of the operation of the Campaign; (d) inaccessibility or unavailability of any network or wireless service, the Internet or website or any combination thereof; (e) suspended or discontinued Internet, wireless or landline phone service; or (f) any injury or damage to participant's or to any other person’s computer or mobile device which may be related to or resulting from any attempt to participate in the Campaign or download of any materials in the Campaign.

If, for any reason, the Campaign is not capable of running as planned for reasons which may include without limitation, infection by computer virus, tampering, unauthorized intervention, fraud, technical failures, or any other causes which may corrupt or affect the administration, security, fairness, integrity or proper conduct of the Campaign, the Sponsor reserves the right at its sole discretion to cancel, terminate, modify or suspend the Campaign in whole or in part. 

Oliver Huang and Jill Chen Insurance Agency

920 Saratoga Ave, Ste 210, San Jose, CA95129

Sponsored By

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