Security Policy

Protecting Your Information

The Personal Customer Information you provide -- including your credit card information -- to create and access an account with us and to make purchases from us (whether or not you use an account) is secured using industry standard e-commerce security technology such as Secure Sockets Layer (SSL) encryption technology. We use this SSL technology to prevent such information from being intercepted and read as it is transmitted over the Internet. The encrypted credit card information goes directly to our third-party credit card processor's secure site. Your credit card information in not stored on the Referral Institute site.

Unique E-mail and Password for Referral Institute Account

When you create a Referral Institute account, we secure your Personal Customer Information in the following manner:

  • We cross check an e-mail address with the submitted password to validate access to any Referral Institute customer account.
  • We do not allow any e-mail address to access more than one Referral Institute account. When a new Referral Institute account is created, we require you to submit an e-mail address that is not associated with an existing Referral Institute account.

We encourage you to use a password that is not easily determinable (e.g., don't use your name or street name). Keep your password secure; do not share it with anyone. The password is the "keys" to your account; anyone who gets these "keys" can, along with your e-mail address, gain access to your account.

If you forget your password, to gain access to your account you will need have access to your e-mail account. click on the "Forgot your password" link and then type in the e-mail address of the account you would like to open. A message will be sent to your e-mail address with instructions on how to access your account and change your password.

Placing an Order Without a Referral Institute Account

If you place an order at Referral Institute without an account, certain order detail information will be accessible with the use of your e-mail address and order number. Although specific item details are masked, viewable information includes billing address, shipping address, payment type, and order total. If you do not wish to have such information displayed with the use of your e-mail address and order number, please place your order using a Referral Institute account which provides the added security level of password-protected access to such information.

Remember to sign out

To further prevent unauthorized access to your account, remember that, after you sign in, you should sign out once you have (i) completed your transaction, (i) completed managing your account, or (iii) decided to step away from your computer. Anyone who accesses your computer after you have signed in but before you have either signed out or your session has timed-out can access your account.

Safe Shopping Guarantee

Under federal law, a credit card issuer cannot make you liable for charges in excess of $50.00 that result from the unauthorized use of your credit card. There are similar federal laws that relate to debit cards. Exceptions do apply, and you will have to comply with the rules of your credit card or debit card issuer, so please contact your card issuer for further details.

If a credit card or debit card issuer assesses you a fee because of the unauthorized use of your credit card or debit card on our site, Referral Institute will reimburse you for such amount up to $50.00. We do not guarantee the continuous, uninterrupted or secure access to the Referral Institute site because the operation of the Referral Institute website may be interfered with by numerous factors outside of our control.

Alternative customer purchasing options

If you do not feel comfortable sending your credit card information to us over the Internet, you still can shop with us. We welcome you to call us to complete your purchase by phone.

Changes to security policy

Referral Institute reserves the right to modify or amend this policy at any time by posting the revised Security Policy on our site. The changes will only affect the information we collect after the effective date of the change to our Security Policy unless we clearly express otherwise The changes made in this version affects all information we have collected prior to such date.