Arvo Tech Referral Rewards Program Terms and Conditions 

Last updated: May 1, 2026

These terms and conditions (“Terms”) apply to the In-App Refer a Friend Program ("Program") of Arvo Tech, LLC. and its participating subsidiaries (“Arvo”). The purpose of the Program is to bring on new Arvo clients through referrals. A “Participant” is an individual who submits a referral on the In-App Referral Form located https://app.claruscredits.com/. A Qualified Referral (defined below) that becomes an Arvo Client (defined below) is defined as a “Referred Arvo Client.” By submitting the Arvo In-App Referral Form (“Referral Form”), the Participant agrees to be subject to these Terms and Arvo’s Privacy Policy, as amended from time to time. Decisions of Arvo are final, binding and non-appealable. These Terms are independent of any other relationship between Participant and Arvo. To the extent permitted by applicable law, Arvo reserves the right to change or cancel the Program at any time.

ELIGIBILITY REQUIREMENTS

To be eligible for the Program a Participant must: Provide all the details for a Qualified Referral in the Referral Form; Be an individual over 18 years old and a resident of the United States. Individuals may not participate in the Program where doing so would be prohibited by any applicable law or regulation. Arvo reserves the right to disqualify any Participant that it determines, in its sole discretion, is ineligible to participate or Arvo otherwise does not wish for the Participant to participate.

DEFINITION OF A QUALIFIED REFERRAL

A Qualified Referral must meet the following criteria: The information submitted on the Referral Form must be accurate in all respects; The referral cannot be an Active Lead, an Existing Arvo Client, or a Spin-off of such. An “Active Lead” is defined as either a company or individual contacted by Arvo within the preceding 90 calendar days. An Existing Arvo Client is defined as any company or organization that currently receives or has received services from Arvo. A “Spin-off” is defined as an entity that has 75% or more net Work Site Employees (“WSE”) through the direct acquisition or assumption from an Existing Arvo Client. The referred contact cannot be an active WSE of an Existing Arvo Client. Participant must have a pre-existing personal relationship with the referral. In other words, Participant may not acquire referrals through unsolicited e-mail to persons unknown to them and may not submit referrals based on email lists or other similar harvested consumer lists; The referral must be located within the United States. and only WSEs located within the United States will count toward the award. The referral must have given the Participant express written consent to provide their details to Arvo, and to have Arvo contact them.

REWARDS FOR QUALIFIED REFERRALS

If a Qualified Referral results in a Completed First Meeting within 14 business days of the submission of the Referral Form with an Arvo sales consultant, then a $100 Omnicard.com Visa Virtual Incentive Account or other similar gift card (“Gift Card Reward”) will be sent to the Participant via email. A Completed First Meeting must include the decision-maker who has full budgetary approval to sign an engagement letter for services. The Gift Card Reward will be sent via email to the Participant within 60 calendar days following the Completed First Meeting. Participant may not request cash or a substitute prize; however, Sponsor reserves the right to substitute a prize (or a portion thereof) with another prize of equal or greater value if the prize (or portion thereof) is not available for any reason, as determined by Sponsor in its sole discretion. The gift card may be subject to fees, charges, minimum requirements, and/or expiration, in the sole discretion of Omnicard.com or other offering source. If a Qualified Referral signs and completes R&D tax services from Arvo (an “Arvo Client”) within 90 calendar days of the referral and remains an Arvo Client for more than 90 calendar days, a Cash Reward will be paid to the Participant. The “referral” must pay their fees to Arvo prior to any award being fulfilled to the participant. The Cash Reward amount is based on the credit size of the referred clients completed R&D study. Cash Rewards are paid as outlined in the Referral Cash Reward Table below.

RULES FOR ACCOUNT MANAGEMENT

If an Arvo Customer Relationship Manager (“Account Manager”) submits a Qualified Referral on behalf of an Arvo client, clicking the link, and the referral results in a Completed First Meeting within 14 business days of the submission of the link with an Arvo sales consultant, then a $100 Omnicard.com Visa Virtual Incentive Account or other similar gift card (“Colleague Representative Reward”) will be sent to the Account Manager. The Account Manager must indicate that the contact they are submitting the referral on behalf of is an Arvo client, and they must indicate that they are on the Account Management Team. A Completed First Meeting must include the decision-maker who has full budgetary approval to purchase outsourced human resources and group health benefits.

The Colleague Representative Reward will be sent via email to the Participant within 60 calendar days following the Completed First Meeting. Participant may not request cash or a substitute prize; however, Sponsor reserves the right to substitute a prize (or a portion thereof) with another prize of equal or greater value if the prize (or portion thereof) is not available for any reason, as determined by Sponsor in its sole discretion. The gift card may be subject to fees, charges, minimum requirements, and/or expiration, in the sole discretion of Omnicard.com or other offering source. If an Arvo Customer Account Manager submits a Qualified Referral on behalf of an Arvo client and the referral results in a new Arvo Client, then the colleague will receive a $500 Omnicard.com Visa Virtual Incentive Account or other similar gift card (“Colleague New Client Representative Reward”). The Colleague New Client Representative Reward will be sent via email to the colleague within 60 calendar days following the first payroll date of the new Arvo Client. The Account Manager must be an active colleague at the time the Account Manager inputs the information in the referral form and at the time the reward is distributed.

REFERRAL CASH REWARD TABLE

EXCLUSIONS

An Arvo colleague or corporate employee who receives and/or inputs a referral on behalf of a current Arvo client is not eligible to receive a Cash Reward or Gift Card Reward. Arvo reserves the right to disqualify any Participant that it determines, in its sole discretion, is ineligible to participate in the program. Arvo has complete discretion as to who it will do business with and on what terms including, without limitation, whether to accept a referral as a customer. Arvo is not responsible for lost, misdirected or delayed referrals. An Arvo colleague or corporate employee is not eligible for Ambassador Club Membership or Ambassador Club Cash Rewards.

PROGRAM CANCELLATION AND TERMINATION

To the extent permitted by applicable law, Arvo may at any time, without prior notice, terminate or modify the Program or these Terms, or both. All questions or disputes regarding eligibility for the Program; eligibility for or award of Cash or Gift Card Rewards, or both; or interpretation of these Terms will be resolved by Arvo in its sole discretion. Arvo reserves the right to void either Gift Card or Cash Rewards, or both earned if it suspects that such Rewards were earned in a fraudulent manner, in a manner that violates applicable law or these Terms or in a manner otherwise not intended by Arvo. All questions or disputes regarding eligibility for or award of Colleague New Client Representative Reward or Colleague Representative Reward, or both; or interpretation of these Terms will be resolved by Arvo in its sole discretion. Arvo reserves the right to void either Colleague New Client Representative Reward or Colleague Representative Reward, or both earned if it suspects that such Rewards were earned in a fraudulent manner, in a manner that violates applicable law or these Terms or in a manner otherwise not intended by Arvo.

TAXES

Cash Rewards and Gift Card Rewards under the Program are subject to applicable federal, state and/or local taxes, to which the Participant shall be solely responsible. Upon Arvo’s determination that the Participant should receive Cash Rewards or Gift Card Rewards, Arvo may contact the Participant to request a completed IRS Form W-9. To the extent permitted by applicable law, if the Participant does not respond to a request from Arvo to complete a Form W-9 or otherwise indicate a referral payment preference within 180 days of such request, Arvo reserves the right to rescind Participants’ Cash Reward or Gift Card Reward, or both. Arvo will report earnings under this Program to the extent required by applicable law. Cash Rewards and Gift Card Rewards earned through this Program may be subject to federal, state, and local taxation and will be reflected on the Form W-2 for Arvo corporate employees and on IRS Form 1099 for all other Participants. Colleague New Client Representative Reward and Colleague Representative Reward may be subject to federal, state, and local taxation and will be reflected on the Form W-2 for Arvo corporate employees.

COMMUNICATIONS

By submitting the Referral Form, Participant consents to receive electronic communications from Arvo including advertising and marketing materials.

GOVERNING LAW

The laws of the State of Ohio, without regard to its conflict of law provisions, will govern the Program and its Terms. Any causes of action arising out of or connected with Participant’s use of the Program, or its Terms will be resolved exclusively by arbitration in Franklin County, Ohio in accordance with rules and processes of either the American Arbitration Association or Judicial Arbitration and Mediation Services, Inc.

LIABILITY LIMITATIONS

IN NO EVENT SHALL ARVO BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, REGARDLESS OF THE TYPE OF CLAIM OR LEGAL THEORY ASSERTED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH (I) THE PROGRAM; (II) THE USE OF OR INABILITY TO USE THE SITE OR ANY MATERIALS, OR (III) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SITE OR ANY MATERIALS. ARVO’S TOTAL LIABILITY TO ANY PARTICIPANT, CORPORATE EMPLOYEE, OR ANY OTHER PERSON SHALL NOT EXCEED THE AMOUNT AWARDED TO SUCH PERSON UNDER THE PROGRAM, IF ANY.