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Fabric Invites Program Terms & Conditions

Last updated: August 18, 2017

The Fabric Invites Program allows registered Fabric users (a “Fabric User”) to earn Amazon gift cards (“Amazon Gift Cards”) toward future Amazon purchases by referring friends to complete a Qualifying Application (defined below) with Fabric.

How to Participate in the Invites Program

To participate, you must be registered as a Fabric User. Registering as a Fabric User does not obligate you to purchase a Fabric policy. To register as a new Fabric User, go to the Fabric home page, click on the menu icon and select Invite Friends. You will be asked to enter your phone number and if you are not already a Fabric User, you will be invited to register. You will be required to provide your full legal name, address, date of birth, social security number, email and phone number. All information collected by us will be subject to our Privacy Policy.

As noted in the Privacy Policy, we may use the information you provide to offer you information and promotions regarding our Service, which includes the sale of insurance products. You may opt out of receiving promotion emails and text messages from Fabric by following the instructions in those messages.

If you are already a Fabric User, go to the Fabric home page, click on the menu icon and select Invite Friends. After you enter your phone number and check the required boxes, you will be a member of the Invites Program.

All Fabric Users desiring to participate in the Invites Program must check the boxes confirming your agreement to these terms and conditions, the Fabric Terms of Use and our Privacy Policy. Capitalized terms that are not defined in these terms and conditions will have the same meaning given to them in the Fabric Terms of Use.

The Invites Program is open to residents of all states within the United States of America, with the exception of Washington. Additionally, residents of Alabama, Arizona, Arkansas, Florida, Georgia, Michigan, North Dakota, Nevada, South Carolina, Utah, and the South Dakota, Utah, and the District of Columbia are not eligible to participate in this Invites Program as a referred friend according to state insurance laws. Fabric Users who are West Virginia residents are limited to receiving $15 in total Amazon Gift Cards as a referrer according to state insurance law. Fabric Users who are residents of the following states are limited to receiving an amount of total Amazon Cards as a referrer and/or a referred friend: Oklahoma residents are limited to $15 in total; Ohio residents are limited to $15; Indiana, Kentucky, Maryland, Minnesota, Montana, New Hampshire, New Jersey, New York, Texas, Virginia and West Virginia residents are limited to $15.

How to Earn Amazon Gift Cards

Fabric Users who have signed up to participate in the Invites Program can earn Amazon Gift Cards towards future Amazon purchases if: (i) they refer a friend as provided below; (ii) a referred friend clicks on the invite link provided and creates a valid Fabric account; (iii) the referred friend completes an application that is a Qualifying Application. Fabric Users cannot refer themselves to earn Amazon Gift Cards.

Fabric Users may send invites to friends via (i) email, by supplying your friends’ email addresses to Fabric who will send the invites on your behalf, (ii) Facebook, and Fabric will send you a link that will provides relevant content to share, or (iii) by SMS text, and Fabric will send you a link that will provides relevant content to share in a text message you send.

To comply with applicable laws, your invite cannot ask your friend to purchase insurance (e.g. avoid, "I got Fabric, and you should, too"). You may, but are not required, to make truthful statements about the products and services of Fabric and the buying process. For example, that the process is “easy, fast, and affordable."

If all the conditions are met, the referring Fabric User and the referred friend will each be credited with a $5 Amazon Credit. The maximum amount in Amazon Gift Card awards per Fabric User will be $15 USD, unless indicated otherwise in the referral invitation or accompanying promotional materials.

Qualifying Application

Qualifying Application is an application for insurance completed by a referred friend who is not a Fabric User and whose identity has been successfully verified by Fabric. If the identity of a referred friend cannot be verified, the referred friend will be unable to submit a Qualifying Application. A Qualifying Application must be completed before the Fabric User can receive Amazon Gift Cards. Completing an application for insurance does not obligate the referred friend to purchase insurance, and no purchase of insurance is necessary for either the referring Fabric User or the referred friend to receive an Amazon Credit.

Redeeming Amazon Gift Cards

Amazon Gift Cards may only be redeemed via A link to claim the Amazon Gift Cards will be provided on the Fabric Site or by email. You must claim your Amazon Gift Card offer from Fabric within one year of receiving notification from Fabric. After one year, the link will expire and the Amazon Gift Cards may no longer be claimed. Once claimed, the Amazon Gift Cards do not expire and there are no service fees. Amazon Gift Cards are coupons issued for promotional purposes; they have no cash value and may not be transferred or exchanged for cash. Other terms and restrictions may apply. Please refer to Amazon for full terms and conditions.

Amazon Gift Cards may not be earned by creating multiple Fabric accounts. Amazon Gift Cards accrued in separate Fabric accounts may not be combined into one Fabric account.

If for any reason you believe that there is a discrepancy regarding your balance of Amazon Gift Cards, please contact us. Fabric may require you to submit additional information in order to make a determination regarding your balance. All decisions regarding your balance will be final and at Fabric’s sole discretion.

You are responsible for any tax consequences, if any, that may result from your receipt, redemption or use of Amazon Gift Cards. Where applicable, Fabric may be required to send tax statements to you and the relevant taxing authorities. is not a sponsor of this promotion. 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 at or certain of its affiliated websites. For complete terms and conditions, see GCs are issued by ACI Gift Cards LLC, a Washington limited liability company. All Amazon ®, ™, & © are IP of, Inc. or its affiliates.

Appropriate Invites

Invites may only be used for personal and non-commercial purposes, and only shared with personal connections that will appreciate receiving these invitations. Invite links should not be published or distributed other than as permitted by these terms or where there is no reasonable basis for believing that all or most of the recipients are personal friends (such as bulletin boards, coupon websites, Reddit, or Wikipedia).

By submitting an email address to Fabric for the purposes of sending an invitation, you represent and warrant to Fabric that you have a personal relationship with the owner of that email address and did not obtain such email address from any purchased list or unauthorized source.

Email addresses provided by you will be used by Fabric only to send invites on behalf of you. Fabric will send a single invite, along with up to one reminder email, and then delete the invitee email address. All emails will have an opt-out link, allowing the invitee to opt out of the follow-up email if they so choose.

Text messages may not be sent to referred friends any earlier than 8am and no later than 9pm where your referred friend is located.

Multiple Invites

A referred friend may only use one invite link. If a referred friend receives invite links from multiple Fabric Users, only the corresponding Fabric User of the first invite link used by the referred friend will be eligible to receive Amazon Credit.


If any provision in these terms are held to be invalid, void, or unenforceable, such provision (or the part of it that is making it invalid, void or unenforceable) will be struck and not affect the validity and enforceability of the remaining provisions.

Termination and Changes

We may modify, suspend or terminate the Invites Program or a user’s ability to participate in the Invites Program at any time for any reason.

We reserve the right to suspend accounts or remove Amazon Gift Cards if we notice any activity that we believe is abusive, fraudulent, or in violation of the Fabric Terms of Use.

We reserve the right to limit the number of invites or reject any invite made by any Fabric User in order to comply with applicable law or to prevent any violation of these terms or our Terms of Use, and to review and investigate all invite activities and to suspend accounts or modify invites in our sole discretion as deemed fair and appropriate.

The scope, variety, and type of services and products that you may obtain by redeeming Amazon Gift Cards can change at any time.

Updates to the Terms

We can update these terms at any time without prior notice. If we modify these terms, we will post the modification on the website, applications, or services, which are effective upon posting. Continued participation in the Invites Program after any modification shall constitute consent to such modification.

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