Philer Loyalty Program — Terms & Conditions
1. Eligibility. The Philer Loyalty Program ("Program") is open to licensed real estate agents and mortgage brokers in Canada who register for a Philer account. Participation is subject to approval by Philer Inc. ("Philer").
2. Points Earning. Points are awarded as follows: (a) 20,000 points upon account activation ("Sign-Up Bonus"); (b) 5,000 points per Purchase or Sale client referral; (c) 4,000 points per Refinance client referral; (d) 20 points per qualifying legal question submitted to Philer AI, up to a maximum of 5 questions per session and 100 points per day. Points have no cash value and are non-transferable.
3. Sign-Up Bonus. The 20,000-point Sign-Up Bonus is credited upon successful account activation. It is available to new members only and may not be combined with other promotional offers unless otherwise stated.
4. Redemption. Points may be redeemed for gift cards once a minimum balance of 25,000 points has been accumulated. Current redemption rates: 5,000 pts = $100 gift card; 10,000 pts = $200 gift card; 20,000 pts = $400 gift card. Philer reserves the right to modify redemption rates with 30 days' notice.
5. Expiry. Points expire after 24 months of account inactivity. Philer reserves the right to expire points that were earned through fraudulent or erroneous means.
6. Program Changes. Philer reserves the right to modify, suspend, or terminate the Program at any time. Members will be notified of material changes via email with reasonable advance notice.
7. Prohibited Conduct. Any attempt to earn points through fraudulent referrals, misrepresentation, or abuse of the AI assistant will result in forfeiture of all points and account termination.
8. Privacy. Personal information collected through the Program is governed by Philer's Privacy Policy. By participating, you consent to the collection and use of your information as described therein.
9. Governing Law. This Program is governed by the laws of the Province of Ontario, Canada. Any disputes shall be resolved in the courts of Ontario.
Last updated: March 2026