This website contains affiliate links, ads, and promotions.

While Refer Over is a passion project that brings lawyers, doctors, providers, experts, and many other professionals together, it also is intended to generate some revenue as well. As the owner of, I am extremely excited to grow this site and the community.

There are really two things that I want to disclaim as clearly as possible.

1. This website is monetized. In other words, I do make some money from some of the posts, links, ads on this site.

2. This site’s main purpose is not income generation. The main purpose is to provide a platform so that a community can be built. The goal is for this site to be as useful to you as possible. Unfortunately, it takes money to run this site and to expand its community, which will further benefit the existing community members. And any profit beyond that is a pleasant side-effect and no more.

More importantly, this means that I will never lie to you when making specific endorsements just to make a few bucks. Any reviews that I make will not be made in the hopes of getting more sales and I don’t promote ​things solely because it has a high commission. ​

Instead, I only promote items that I fully believe in and support.

Please keep in mind, that any advertisements or promotions on this site, that are made by entities/people other than me, are made independently of whether I support those products/services. Therefore, just because a product/service is being advertised or promoted on this site, it does not mean that it has my endorsement (just like any ad on Facebook).

Alternatively, if I expressly support a product/service, then I am doing so because I believe in the product/service.

If you have any questions about this, please get in touch with me:


​The ​Refer Over website accepts forms of cash advertising, sponsorship, paid insertions or other forms of compensation.

​Refer Over abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this site. That content, advertising space or post will be clearly identified as paid or sponsored content.

The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This website does not contain any content which might present a conflict of interest.

​Refer Over makes no representations, warranties, or assurances as to the accuracy, currency or completeness of the content contain on this website or any sites linked to this site.

Email Policy

We are committed to keeping your e-mail address confidential. We do not sell, rent, or lease our subscription lists to third parties, and we will not provide your personal information to any third party individual, government agency, or company at any time unless compelled to do so by law.

We will use your e-mail address solely to provide timely information about ​this site

CAN-SPAM Compliance

In compliance with the CAN-SPAM Act, all e-mail sent from our organization will clearly state who the e-mail is from and provide clear information on how to contact the sender. In addition, all e-mail messages will also contain concise information on how to remove yourself from our mailing list so that you receive no further e-mail communication from us.


Our site provides users the opportunity to opt-out of receiving communications from us and our partners by reading the unsubscribe instructions located at the bottom of any e-mail they receive from us at anytime.

Users who no longer wish to receive our newsletter or promotional materials may opt-out of receiving these communications by clicking on the unsubscribe link in the e-mail or e-mail us at .

External Links

​This site contains links to many other web sites. ​This site cannot guarantee the accuracy of information found at any linked site. Links to or from external web sites sites not owned or controlled by Refer Over does not constitute an endorsement by ​Refer Over or any of its employees or the products or information presented there.

Limitation of Liability


Intellectual Property Rights

All copyrights, trademarks, patents and other intellectual property rights in and on our website and all content and software located on the site shall remain the sole property of Refer Over or its licensors. The use of our trademarks, content and intellectual property is forbidden without the express written consent from ​Refer Over.

You must not:

  • Republish material from our website without prior written consent.
  • Sell or rent material from our website.
  • Reproduce, duplicate, create derivative, copy or otherwise exploit material on our website for any purpose.
  • Redistribute any content from our website, including onto another website.

Acceptable Use

You agree to use our website only for lawful purposes, and in a way that does not infringe the rights of, restrict or inhibit anyone else’s use and enjoyment of the website. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content or disrupting the normal flow of dialogue within our website.

You must not use our website to send unsolicited commercial communications.

You must not use the content on our website for any marketing related purpose without our express written consent.

Self-Help: By accessing ​this site, you acknowledge, understand, and agree that ​this site is not a law firm, not providing legal services to you, and is not acting as your legal counsel. Th​is site only provides self-help information and products.

No Legal Advice: Laws and court rules differ tremendously from jurisdiction to jurisdiction. We cannot and do not offer opinions, recommendations, or advice regarding your legal rights, obligations, and remedies; nor do we apply the law to the facts of your particular case or dispute.

No Attorney-Client Relationship: We are not offering or agreeing to represent you in any legal matter. Accessing or reviewing self-help information provided through ​this site does not create an (1) attorney-client relationship or (2) attorney-client privilege between you and us. We do maintain a privacy policy, but you should not interpret anything in that policy as establishing attorney-client confidentiality between the parties.

Not a Substitute for an Attorney: The self-help information provided by ​this site is not a substitute for an attorney’s advice or services. If you need legal advice for a particular problem or your issues are confusing or complicated, you should consult with a licensed attorney in your area. A “state bar association” licenses attorneys in every state. You can contact the bar association in your state to obtain referrals to qualified attorneys in your area.

References to Law Are Not Jurisdiction-Specific: ​This site contains content discussing general legal principles, laws, and procedures. The information is not specific to any particular state or jurisdiction. The legal principles, laws, procedures, and rules in your state or jurisdiction may be similar, slightly different, or differ significantly from the self-help information provided on ​this site. If you choose to represent yourself rather than hiring an attorney, it is your responsibility to read the laws, regulations, and rules in your state or jurisdiction.

Examples Are Only Examples: If an example of a legal matter is portrayed on ​this site, please note that the result described is dependent on the facts of that specific example and the results will differ if based on different facts.

No Guarantee of Accuracy or Completeness: T​his site cannot and does not guarantee that all information provided through the website, social media, or podcast is accurate, complete, or up-to-date. Laws, regulations, rules, procedures, and case decisions are subject to revision, interpretation, or even nullification by courts and legislative bodies at any time. The information we provide may not reflect the most current version of these materials. Do not rely on any information provided through ​this site without first doing your own research and investigation.

No Liability: You agree to use the information provided through ​this site at your own risk. ​This site is not responsible for any injury, loss, or damage, under any tort or contract theory, related to your use of this website, social media, podcast, or the content provided herein.

No Recommendation for Pro Se Representation: The decision to represent yourself is an important one. Only you can decide whether to represent yourself in a legal matter or retain legal counsel. We make no recommendation one way or the other.


If you have any questions regarding this policy, or your dealings with ​the website, please contact us: