Payor Agreement

REF INSIGHT PAYOR AGREEMENT

LAST UPDATED SEPTEMBER 14, 2026

1. PARTIES AND PURPOSE

This Ref Insight Payor Agreement (the "Agreement") is by and between Ref Insight LLC ("Ref Insight"), of 30 North Gould Street, Suite N, Sheridan, WY 82801, and the entity or individual ("Payor") accepting this Agreement by checking the acceptance box and submitting the form, and governs Payor's use, and Ref Insight's provision, of the Ref Insight website platform and Services. If you are an individual entering into this Agreement on behalf of an entity, you represent and warrant that you have the authority to bind such entity to all the terms and conditions of this Agreement. Capitalized terms not otherwise defined in this Agreement have the meaning ascribed to them in our Terms of Service and Privacy Policy, both of which you represent and acknowledge you have read and agree to in their entirety.  The Terms of Service are available at https://support.refinsight.com/support/solutions/articles/151000235171-terms-of-service and the Privacy Policy at https://support.refinsight.com/support/solutions/articles/151000235167-privacy-policy . The version of each in effect at the time of use applies.

2. PLATFORM ACCESS AND CAPABILITIES

2.1 Use of Ref Insight Payor Platform

Ref Insight agrees to provide approved Payors the ability to:

• Receive Invoices from Assignors
• Process Invoices & Batches
• Submit Payments to Routable (as "Payables") for approval and processing using the Ref Insight Pay system
• Mark Invoices and Batches as Paid outside of the Ref Insight Pay system
• Track submitted payments through completion
• Generate Reports
• Access Assignment data. Note: Assignment data is view-only, Payors cannot make, cancel, or change Assignments

Use of the Ref Insight Pay system is not mandatory to pay officials or other Payees. Payors can pay officials or other Payees outside the Ref Insight platform (e.g., cash, check, Venmo, PayPal) in which case, no transaction fee applies. All approved Payors receive access to our Payor Portal, where they can process Invoices and track payments to officials or other Payees regardless of how officials are paid.

3. FEES AND PAYMENT TERMS

3.1 Routable Workspace Annual Platform Fee (Ref Insight Pay)

Payors using Ref Insight Pay must be onboarded and approved with our payment processor (Routable) prior to issuing payments. Payor must also link a US Bank account to Routable prior to issuing payments to payees. Payors that use Ref Insight Pay and Routable agree to pay Ref Insight an annual Routable workspace platform fee of ninety-nine dollars ($99.00).

This fee:

• Covers Ref Insight's costs associated with provisioning and maintaining Payor's Routable workspace
• Is initially charged within one week following approval of Payor's Routable workspace
• Is subsequently renewed and invoiced automatically every twelve (12) months
• Renewals can be canceled in writing with 30 days advance notice
• Is invoiced by and payable to Ref Insight
• Applies regardless of payment volume
• Is not prorated
• Is non-refundable

The annual platform fee is separate from and in addition to any transaction fees described below. Ref Insight reserves the right to modify the annual platform fee by providing at least thirty (30) calendar days’ notice prior to the renewal date. Non-payment of the annual platform fee may result in suspension or termination of access to the Ref Insight Pay system and associated Routable services.

3.2 Transaction Fees (Ref Insight Pay)

Per transaction fees are charged per Payee, per Batch, and vary based on the payment delivery method and funding source selected. A Batch represents a single payment to one specific Payee and can incorporate several Invoices (e.g., game fees) within a single Competition. The following fee structure applies:

Bank Account Funding:

• Standard ACH (4-5 business days): $1.30 per transaction
• Expedited ACH (2-3 business days): $1.80 per transaction
• Next Day ACH (1 business day): $3.50 per transaction
• Same Day ACH (end of business day): $5.50 per transaction

Pre-funded Balance:

• Next Day ACH (1 business day): $1.80 per transaction
• Same Day ACH (end of business day): $3.50 per transaction
• Real-Time Payment (RTP, within seconds): 2% of transaction amount (minimum $5.50, maximum $25.00)

When a payment is processed, only the payment amount to the Payee will be deducted from the Payor's selected funding source (bank account or pre-funded balance). Transaction fees are billed separately on a monthly basis as detailed in the Billing and Payment Terms section below. No transaction fee will be charged for failed payments.

3.3 Fee Billing and Payment Terms

Ref Insight will invoice the Payor monthly through its billing system (Invoiced.com) for all transaction fees incurred during the previous month, as well as the annual Routable account fee when applicable.

Default Payment Method: All invoices will be automatically charged to Payor's saved payment method on file within 3 business days of invoice delivery, unless alternative arrangements have been pre-approved in writing by Ref Insight.

Accepted Payment Methods:

• ACH transfer (via saved payment method - no fee)
• Credit card (via saved payment method - subject to 3% convenience fee)
• Check or wire transfer (by prior written arrangement only)

Alternative Payment Arrangements: Payor may request alternative payment arrangements (such as manual ACH, check, or wire transfer) subject to Ref Insight's approval. Ref Insight reserves the right to require auto-pay if Payor's payment history shows late payments or non-payment.

Late Payment: Any invoice not paid within 15 calendar days from delivery will incur a 3% late fee and may result in mandatory auto-pay enrollment. Continued non-payment may result in service suspension.

Fee Modifications: Ref Insight reserves the right to modify transaction fees by providing Payor at least thirty (30) calendar days written notice.

3.4 Important Notes

3.4.1 Default Payment Delivery Method & Funding Source

• Standard ACH is the default payment delivery method
• Bank-funded is the default funding source
• Payors must notify Ref Insight to change the default payment delivery method or funding source
• Individual payments (called "Payables" in Routable) can be modified to use different payment delivery methods or funding source through the Routable portal prior to approval

3.4.2 Payables Approvals

• By default, all payables require Payor approval in the Routable portal
• Approval rules can be customized (e.g., multiple approvers, dollar thresholds) through the Routable portal

4. PAYMENT OBLIGATIONS BETWEEN PAYOR AND PAYEE

Ref Insight is not a party to the payment obligation between a Payor and its Payees. That obligation arises from the Payee’s relationship with the Payor and the Assignor, not from this Agreement. Ref Insight does not take custody, possession, or control of Payor funds at any time; funds move between the Payor’s funding source and the Payee through the payment partner.

Ref Insight is not responsible or liable for any unpaid, late, partial, disputed, misdirected, or rejected payment to a Payee, for the accuracy or validity of any Invoice, for the sufficiency of a Payor’s funds, or for a Payor’s decision to pay, decline, or delay payment. Payor is solely responsible for all amounts due to its Payees, whether paid through Ref Insight Pay or outside the Ref Insight platform.

Nothing in this Agreement makes Ref Insight an employer, joint employer, or engager of any Payee, a party to any assigning or officiating arrangement, or a money transmitter, payment processor, or fiduciary with respect to Payor funds.

Payor will indemnify, defend, and hold harmless Ref Insight from any claim by a Payee, or by any governmental or regulatory authority, concerning unpaid, late, or disputed compensation.

5. TAX REPORTING

The Payor understands and represents that it is responsible for all tax reporting and compliance obligations involving payments to their Payees. Ref Insight assumes no such responsibility or liability for tax reporting and compliance obligations on behalf of the Payor. Payor holds Ref Insight harmless and indemnifies Ref Insight from such claims and liability.

Ref Insight will prepare and deliver a 1099 datafile(s) in Excel format to the Payor for all payments processed through Ref Insight Pay for a $100 flat fee. For payments processed outside of Ref Insight Pay, a general report of all transactions can be generated by the Payor within the Payor portal at no charge.

5.1 Federal and State 1099 Filing

Ref Insight can refer you to a Tax Reporting partner (Routable) for a streamlined end-to-end process to help you with secure W9 collection, 1099 filing with the IRS and the States, as well as sending print/mail or electronic 1099s to your payees.

6. INTELLECTUAL PROPERTY AND OWNERSHIP

6.1 Ref Insight's Intellectual Property

As used in this Agreement, the term "Intellectual Property" shall mean all of Ref Insight's inventions, programming code, design patterns, algorithms, methods, software, processes, methods, products, Services, the platform used to provide the Services, source code, programming, intellectual property, software, application programming interface (api), copyright, patent applications, and other proprietary rights; specifications, drawings, sketches, models, samples, tools, computer programs, technical information, or other related information.

6.2 License and Ownership

Ref Insight grants Payor a limited, non-exclusive, non-assignable, non-transferable license to access and use its Services in legally authorized jurisdictions for personal, business, and commercial purposes. This license is contingent upon Payor's compliance with the terms of this Agreement, the Terms of Service, and the Privacy Policy. If at any time, Payor does not agree to this Agreement, the Terms of Service, and the Privacy Policy then Payor shall immediately give written notice to Ref Insight and cease using the Services. Any unauthorized use of the Services shall automatically terminate the license granted to Payor by Ref Insight for such use.

The Payor shall be solely responsible for its actions and the contents of its transmissions or information posted via the Services. You acknowledge and agree that the Services, Intellectual Property, all patent rights, trade secret rights, design rights, copyrights, trademark rights, and other property rights in the Services shall at all times remain Ref Insight's sole property. The parties agree that the Services being provided by Ref Insight to the Payor are not a work for hire and that Ref Insight is the sole owner of Ref Insight's Intellectual Property as well as all copyright thereto (other than those items obtained as open-source software or items licensed or purchased by Ref Insight from a third-party provider). Since this is not a work for hire, Payor will not acquire any right, title or interest in or to the Services and the Ref Insight platform by reason of this Agreement, except for the non-exclusive license to use the Services in accordance with the terms of this Agreement, the Terms of Service, and the Privacy Policy.

The Payor does not obtain any rights to sell, rent, copy, disseminate, transfer, decompile, or modify any of the Services or any of Ref Insight's Intellectual Property for the use by any third parties or for any other reason not set forth in this Agreement.

6.3 Custom Features

Ref Insight will consider suggestions for standard features to be added to its Services and the platform. These standard features will be determined by Ref Insight in its sole and absolute discretion but will be developed at no additional cost to the Payor, unless otherwise agreed to by Ref Insight and the Payor in writing. Should these features, however, be deemed by Ref Insight in its sole and absolute discretion to require custom development specific only to the Payor's needs, secondary agreements setting forth the terms and pricing can be created upon request for such custom projects, features, or tools.

7. WARRANTIES AND DISCLAIMERS

Ref Insight shall provide its Services and meet its obligations under this Agreement in a timely and professional manner, using knowledge and recommendations for performing the Services which meet generally acceptable standards in Ref Insight's community and region, and will provide a standard of care equal to, or superior to, care used by service providers similar to Ref Insight on similar projects.

Ref Insight provides the website platform and the Services on an "as is" and "as available" basis. Ref Insight does not represent or warrant that the website, the Services, or their use: (i) will be uninterrupted, (ii) will be free of inaccuracies or errors, or (iii) will meet the Payor's requirements. Ref Insight makes no warranty regarding the Services or that they will always be free from bugs, worms, viruses, errors, or other problems commonly associated with web-based programs and software. Without limiting the foregoing, Ref Insight expressly disclaims all warranties, whether express, implied, or statutory, regarding the Site and the Services including, without limitation, any warranty of merchantability, non-infringement, fitness for a particular purpose, that the Site or the Services will meet Payor's specific requirements, that the Site or the Services will function in an uninterrupted manner, or that the Site or the Services will be completely secure and accurate.

In no event will the liability of either party in connection with this Agreement exceed the lesser of the amounts paid, if any, to the other during the previous six (6) months or $500. This limitation does not apply to, and no cap limits, Payor’s obligations under Sections 4 (Payment Obligations Between Payor and Payee), 5 (Tax Reporting), 14 (Laws Affecting Electronic Commerce), and 24 (Protection of Payee Information), or Payor’s obligation to pay fees due under this Agreement. Ref Insight will make commercially reasonable efforts to maintain availability of its Services with a guarantee of 99.5% availability per month.

Ref Insight agrees to notify Payor within ten (10) business days upon discovery of an unauthorized use of an account, any data breaches, breaches of security or any other matter or activity that may be a threat or affect the systems of the Payor in any way.

Payor agrees to notify Ref Insight immediately of any unauthorized use of an account, or any other data breaches or breaches of security. Ref Insight will not be responsible for any liabilities, losses, or damages arising out of the unauthorized use of the Software, Services, or the Site, whether by desktop computer, laptop, mobile device, or any other computing device and/or account. Payor agrees to indemnify, defend, and hold Ref Insight harmless from and against any and all claims arising from, in connection with, or related in any way, directly or indirectly, to Payor's use and the use by each of its users of the Software, Services, or the Site.

8. TERM AND TERMINATION

8.1 Term/Length

The term of this Agreement shall commence on the date the form is submitted with the acceptance box checked by Payor and shall continue indefinitely until terminated by either party. Either party may terminate this Agreement by giving written notice to the other, electronically or otherwise, of its desire to terminate this Agreement. All fees, costs or expenses that have been incurred prior to the notice of termination and not yet invoiced, shall still be due and payable in accordance with the terms of this Agreement. Upon termination, Ref Insight will (within 30 days) deprovision the Payor's portal and disassociate any payment API keys that have been provided.

8.2 Default

The occurrence of any of the following shall constitute a material default under this Agreement:

a. The failure to make a required payment when due.

b. The insolvency or bankruptcy of either party.

c. The subjection of any of either party's property to any levy, seizure, general assignment for the benefit of creditors, application or sale for or by any creditor or government agency.

d. The failure to make available or timely deliver the Services in the time and manner provided for in this Agreement.

8.3 Remedies on Default

In addition to any and all other rights a party may have available according to law, if a party defaults by failing to substantially perform any provision, term or condition of this Agreement (including without limitation the failure to make a monetary payment when due), the other party may terminate the Agreement by providing written notice to the defaulting party. This notice shall describe with sufficient detail the nature of the default. The party receiving such notice shall have ten (10) calendar days from the effective date or receipt of such notice to cure the default(s). Unless waived by a party providing notice, the failure to cure the default(s) within such time period shall result in the automatic termination of this Agreement.

9. CONFIDENTIALITY

Ref Insight and its employees, agents, or representatives will not at any time or in any manner, either directly or indirectly, use for the personal benefit of Ref Insight, or divulge, disclose, or communicate in any manner, any information that is proprietary to the Payor. Ref Insight and its employees, agents, and representatives will protect such information and treat it as strictly confidential. This provision will continue to be effective after the termination of this Agreement.

10. NO SOLICITATION

During the term of this Agreement, and for a period of twelve (12) months following expiration or termination of this Agreement, Payor agrees not to solicit, recruit, engage, or otherwise employ or retain, on a full-time, part-time, consulting, work-for-hire, or any other kind of basis, any Ref Insight employee or independent contractor, whether or not said person or entity has been assigned to perform tasks under this Agreement and in connection with this section, Ref Insight shall be entitled to seek all remedies under law and equity.

11. NO EXCLUSIVITY

The parties expressly acknowledge that this Agreement does not create an exclusive relationship between the parties. Ref Insight shall be entitled to offer and provide the same or similar services to others, solicit other clients and otherwise advertise its services.

12. NOTICE

Any notice or communication required or permitted under this Agreement shall be sufficiently given if delivered in person, by certified mail, return receipt requested, by nationally recognized overnight courier, or by email to the address on file for the Payor, to the addresses listed above or to such other address as one party may have furnished to the other in writing. The notice shall be deemed received when delivered or signed for, one (1) business day after deposit with an overnight courier, on the date sent by email with confirmation of transmission, or on the third day after mailing if not signed for. Notices to Ref Insight must be sent to admin@refinsight.com and to the address listed above.

13. DISPUTE RESOLUTION

Any controversies or disputes arising out of or relating to this Agreement shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association. The parties shall select a mutually acceptable arbitrator knowledgeable about issues relating to the subject matter of this Agreement. The arbitrator(s) shall not have the authority to modify any provisions of this Agreement or to award punitive damages. The arbitrator(s) shall have the power to issue mandatory orders and restraint orders in connection with the arbitration. The parties hereby waive any jurisdictional or venue defenses available to them and further consent to service of process by mail. The decision rendered by the arbitrator(s) shall be final and binding on the parties, and judgment may be entered in conformity with the decision in any court having jurisdiction. During the continuance of any arbitration proceeding, the parties shall continue to perform their respective obligations under this Agreement, except that Ref Insight may suspend or terminate access under Sections 3.3, 8, 23, and 24 during any such proceeding. Each of the parties acknowledges that there is no adequate remedy at law in the event the Payor uses the Services in any way not permitted hereunder, and hereby agrees that Ref Insight shall be entitled to equitable relief by way of temporary and permanent injunction, and such other and further relief at law or equity as any arbitrator or court of competent jurisdiction may deem just and proper, in addition to any and all other remedies provided for herein. The prevailing party in any dispute resolved by binding arbitration, or litigation if necessary to bring or enforce an injunction, shall be entitled to recover its attorneys' fees and costs.

14. LAWS AFFECTING ELECTRONIC COMMERCE

The Payor agrees that the Payor is solely responsible for complying with laws, taxes, and tariffs that governments enact and fix from time to time in connection with Internet electronic commerce, and shall indemnify, hold harmless, protect, and defend Ref Insight and its subcontractors from any cost, claim, suit, penalty, or tariff, including attorneys' fees, costs, and expenses, arising from the Payor's exercise of Internet electronic commerce.

15. ENTIRE AGREEMENT

This Agreement constitutes the entire Agreement between the parties and supersedes any prior understanding or representation of any kind preceding the date of the Agreement. There are no other promises, conditions, understandings or other agreements, whether oral or written, relating to the subject matter of the Agreement, other than the Terms of Service and Privacy Policy, which the parties acknowledge are also binding on them. This Agreement governs Payor’s use of the Payor Portal and Ref Insight Pay. It does not modify, limit, or supersede any Ref Insight Software Master Services Agreement or Services Order between Ref Insight and a client organization. Where a Payor is also a client under a Services Order, that Order and the Master Services Agreement govern in the event of a conflict, except as to the fees and payment operations addressed in this Agreement.

16. AMENDMENT

Ref Insight reserves the right to modify or amend this Agreement at any time by posting an updated version on the website and/or providing notice to Payor. Such modifications shall become effective upon the earlier of (i) Payor's continued use of the Services after receiving notice of the modifications, or (ii) thirty (30) days after the posting of the modified Agreement. If Payor does not agree with the modifications, Payor's sole remedy is to terminate this Agreement by providing written notice to Ref Insight prior to the modifications becoming effective.

17. SEVERABILITY

If any part(s) of the Agreement is found to be held unenforceable for any reason, the remainder of the Agreement shall continue in full force and effect. If any court of competent jurisdiction deems any provision of the Agreement invalid or unenforceable, and if limiting such provision(s) would make the provision valid, then such provision shall be deemed to be construed as so limited.

18. WAIVER OF CONTRACTUAL RIGHT

The failure of either party to enforce any provisions of the Agreement shall not be deemed a waiver or limitation of that party's right to subsequently enforce and compel strict compliance with every provision of the Agreement.

19. APPLICABLE LAW

This Agreement shall be governed by the laws of the State of Wyoming.

20. USE OF SERVICES

The Payor represents and warrants to Ref Insight that Payor's use of the Services will not be in violation of any state or federal law or any local ordinance, infringe the copyright, trademark, patent, trade secret, right of privacy, right of publicity, or any other legal right of any third party and will comply with all applicable laws, rules, and regulations. Payor further represents and warrants to Ref Insight that it is the true owner of any content uploaded to the Services and that the content is free from any and all liens, encumbrances, or any other restrictions on Payor's right to display or use the content, and that there are, to the best of Payor's knowledge, no pending or threatened claims, demands, or litigation concerning any of the Content. Furthermore, Payor represents to Ref Insight that Ref Insight will not be required to make any payments such as licensing fees or royalties to any third party in connection with the Content.

21. EMPLOYEES

Ref Insight's employees, if any, who perform Services for Ref Insight under this Agreement shall also be bound by the provisions of this Agreement.

22. ACCEPTANCE

By checking the acceptance box and submitting this form, you agree to be bound by the terms and conditions of this Agreement. For purposes of this Agreement, checking the acceptance box and submitting the form shall have the same force and effect as an original signature. The acceptance of this Agreement signifies the acceptance of the terms and conditions as specified herein.

22.1 Authorization to Contract

You represent and warrant that if you are an individual, you are of legal age to form a binding contract; or that if you are under eighteen (18) years of age, you have received permission from a parent or guardian; or that if you are registering on behalf of an entity, that you are authorized to enter into, and bind the entity to this Agreement.

23. ACCOUNT SECURITY AND ACCESS

Each user account is intended for use by a single authorized user only. Payor agrees that all account usernames, passwords, and access credentials are proprietary and confidential information. Payor shall keep all such information strictly confidential and secure.

The Payor shall ensure that access credentials are not shared among multiple users and that account credentials shall not be transferred or disclosed to any other person or entity. Each individual requiring access to the Services must have their own unique login credentials approved by Ref Insight.

The Payor shall promptly notify Ref Insight of any suspected unauthorized access, security breach, or compromise of account credentials. Payor acknowledges and agrees that it shall be responsible for all activities that occur under their account credentials whether or not authorized by Payor.

Any sharing of accounts or passwords shall constitute a material default under this Agreement. Ref Insight reserves the right to immediately suspend or terminate access to the Services upon discovery of account sharing or unauthorized access, in addition to any other remedies available under this Agreement or applicable law.

Payor shall implement appropriate internal controls and security measures to ensure compliance with these account security requirements. These obligations shall continue to be effective after the termination of this Agreement.

24. PROTECTION OF PAYEE INFORMATION

Ref Insight provides Payor access to confidential information about payees ("Confidential Payee Information") which includes but is not limited to names, addresses, social security numbers, tax identification numbers, banking information, payment history, and any other personal or financial information of payees accessed through the Services.

The Payor shall keep all Confidential Payee Information strictly confidential and secure. Payor shall use Confidential Payee Information solely for the purpose of processing payments through the Services. Payor shall not disclose any Confidential Payee Information to any third party without explicit written consent from both Ref Insight and the affected payee(s). Payor shall not use Confidential Payee Information for any marketing, solicitation, or commercial purposes, nor shall Payor download, export, or store Confidential Payee Information outside the Services except as required for legal compliance. Payor shall not share Confidential Payee Information with other organizations, leagues, or sports associations, shall not use it to create separate databases or lists, and shall not use it to contact payees for purposes unrelated to payment processing.

Payor shall implement appropriate technical and organizational measures to protect Confidential Payee Information, limit access to authorized personnel with a legitimate need, train personnel with access on confidentiality requirements, notify Ref Insight immediately of any unauthorized access or disclosure, and cooperate with any audit of data protection practices.

Any unauthorized use or disclosure of Confidential Payee Information shall constitute a material default under this Agreement. Ref Insight may immediately suspend or terminate access upon suspected misuse of Confidential Payee Information. Payor acknowledges that unauthorized disclosure may cause irreparable harm for which monetary damages would be inadequate, and Ref Insight shall be entitled to equitable relief by way of temporary and permanent injunction, and such other and further relief at law or equity as any arbitrator or court of competent jurisdiction may deem just and proper, in addition to any and all other remedies provided for herein. Payor shall be liable for any damages resulting from unauthorized use or disclosure. These obligations shall continue to be effective after the termination of this Agreement.

Payor acknowledges that unauthorized use of Confidential Payee Information may violate various federal and state laws, including but not limited to privacy laws, data protection regulations, consumer protection laws, and identity theft statutes, and shall indemnify, hold harmless, protect, and defend Ref Insight and its subcontractors from any cost, claim, suit, penalty, or tariff, including attorneys' fees, costs, and expenses, arising from any unauthorized use or disclosure of Confidential Payee Information.

25. ASSIGNMENT

Neither party may assign, delegate, or otherwise transfer any of its rights or obligations under this Agreement, whether by operation of law or otherwise, without the prior written consent of the other party, which consent shall not be unreasonably withheld or delayed.

Notwithstanding the foregoing, Ref Insight may assign this Agreement without consent to:

1. an affiliate or subsidiary
2. a successor in interest in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets

Any attempted assignment in violation of this section shall be void and without effect.

The Payor may not:

1. sell, resell, lease, sublicense, or otherwise make the Services available to any third party
2. transfer or assign any rights granted under this Agreement to any competitor of Ref Insight
3. use the Services on behalf of or for the benefit of any third party

This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective permitted successors and assigns.

Ref Insight reserves the right to fulfill any of its obligations under this Agreement through its affiliates, contractors, or designated third-party service providers.

26. CONTACT US

Ref Insight welcomes your questions or comments regarding the Terms:

Ref Insight LLC
30 North Gould Street, Suite N
Sheridan, WY 82801
Email Address: admin@refinsight.com

Telephone number: (541) 541-4015

APPENDICES

Privacy Policy

The Ref Insight Privacy Policy is maintained separately and is available at https://support.refinsight.com/support/solutions/articles/151000235167-privacy-policy. The Privacy Policy in effect at the time of use applies, and Payor acknowledges that it has had the opportunity to review it. Ref Insight will provide a PDF copy on request.

Definitions

Competition: A league, tournament, division, or other event grouping under which games are scheduled and assigned within the Ref Insight platform.

Payor: The entity/person(s) responsible for tracking and issuing payments for Assignments originating from the Ref Insight Assigning Portal.

Payee: A Payee is the recipient of a payment.

Assignment: Assignors in Ref Insight assign officials and other roles related to a match or event (e.g., field marshals, coordinators, supervisors) to matches using the Ref Insight Assigning Portal.

Assignor: The entity/person(s) responsible for creating and managing Assignments for officials, payees, and others. Assignors create invoices for assignments that warrant payment. Invoices are forwarded to the Payor’s portal for payment and tracking.

Invoice: An invoice is a statement of line items detailing the amount due to a Payee for services they have provided and other items that warrant payment. Assignors create invoices through the Assigning Portal. Payors receive invoices from Assignors in the Payor Portal.

Batch: Invoices are grouped into a Batch to minimize the number of outgoing payments (Transactions). A Batch represents a single payment (Transaction) (encompassing one or more Invoices within a Competition) to one specific Payee.

Assigning Portal: Ref Insight provides a portal for Assignors to import officials, schedules, and assign officials to specific matches. Invoices are generated by Assignors and released to Payors.

Payor Portal: Each Payor in the Ref Insight system receives access to our Payor Portal where they can process Invoices, create Batches, send payments, and track payments to Payees. Payors can utilize the Payor Portal free of charge; however, transaction fees apply if Ref Insight Pay is used for outgoing payments.

Ref Insight Pay: The Ref Insight Platform includes an outbound payment system called Ref Insight Pay. Payors have the option to pay officials directly using this system. This system utilizes Routable to process payments from Payors to Payees. Ref Insight separately uses Invoiced.com and the Stripe network to invoice and collect its own fees from Payors; Ref Insight does not use Stripe to move funds between a Payor and a Payee.

Transaction: Payments issued using Ref Insight Pay are considered transactions. A per-transaction fee is charged to the Payor when a payment is sent using Ref Insight Pay.