These Terms and Conditions (the "Terms") govern participation in the Harmony Partner Network Referral Reward Program (the "Program") operated by Harmony Medical Group (the "Company"). By enrolling in the Program, referring patients, or requesting reward disbursements, the registered dental practitioner (the "Partner") agrees to be bound by these Terms.
1. DEFINITIONS AND INTERPRETATION
• "Partner" means a licensed dental practitioner registered with the Harmony Partner Network.
• "Referred Patient" means an individual introduced to the Company directly by the Partner who completes clinical registration and commences treatment at the Company’s facility.
• "Eligible Treatment" means dental, medical, or orthodontic procedures performed by the Company, excluding complimentary consultations, non-clinical retail goods, or administrative fees.
• "Approved Treatment Value" means the total gross monetary value of clinical treatment formally approved by the Company (and/or the relevant insurance payer where applicable).
• "Reward Balance" means accumulated, non-disbursed cash incentives credited to the Partner’s account.
2. ENROLLMENT AND ACCOUNT ELIGIBILITY
2.1. Participation is restricted to verified individual dental practitioners.
2.2. The Partner must provide a valid full legal name, professional contact details, and personal UAE bank account details (IBAN) matching their legal identity.
2.3. The Partner warrants that participation in this Program does not breach any existing employment contracts, facility policies, or regulatory obligations applicable to their practice.
3. REWARD STRUCTURE AND ACCRUAL
Rewards are independent cash awards funded directly by the Company. Rewards accrue according to the following schedules:
3.1. Orthodontic Cases
• Reward Valuation: A fixed cash reward of AED 500 per eligible patient.
• Accrual Condition: The full AED 500 reward becomes available once the Referred Patient has settled at least twenty-five percent (25%) of the total agreed orthodontic contract value.
• Limitation: The reward is granted once per patient. Subsequent payments or phase treatments for the same orthodontic case do not generate additional rewards.
3.2. General & Non-Orthodontic Treatments
• Reward Valuation: A cash reward equal to five percent (5%) of the collected Eligible Treatment Value.
• Pro-Rata Release: For staged or partial payments, rewards are released proportionally against confirmed patient receipts:
Released Reward = 5% × Confirmed Amount Paid
• Additional payments by the Referred Patient will incrementally release the remaining reward balance until the 5% cap on the total treatment value is fulfilled.
3.3. In-House Direct Installment Plans
• Rewards accrue strictly against realized, cleared installment payments.
• Unpaid or deferred future installments generate no available balance.
3.4. Insurance-Covered Cases
• Reward Mechanism: A direct, Company-funded cash award equal to 5% of the total Approved Treatment Value.
• Accrual Trigger: The reward is credited only upon formal confirmation and approval of the related insurance claim or pre-authorization.
• Exclusions: No cash award shall accrue on claims (or portions thereof) that are rejected, disputed, canceled, or unapproved by the insurance provider.
3.5. Buy-Now-Pay-Later (BNPL) Arrangements (e.g., Tabby, Tamara)
• Treatments settled via authorized BNPL providers are treated as fully settled upon initial transaction authorization.
• Upon confirmed execution of the initial BNPL transaction:
o Orthodontic Cases: The full AED 500 reward becomes immediately available.
o Non-Orthodontic Cases: The full 5% reward on the approved treatment invoice becomes immediately available.
• Subsequent customer installment collections by the BNPL provider do not generate additional rewards.
4. DISBURSEMENT AND PAYOUT SCHEDULE
4.1. Monthly Disbursement Date: Approved reward payouts are processed on the fifteenth (15th) calendar day of each month.
4.2. Submission Cutoff:
• Payout requests submitted on or before 11:59 PM on the eleventh (11th) of the month will be processed in the current month's payout cycle (the 15th).
• Payout requests submitted on or after the twelfth (12th) of the month will automatically roll over to the payout cycle of the subsequent calendar month.
4.3. Minimum Payout Threshold: The minimum withdrawal amount per payout request is AED 200. Accumulated balances below this threshold will remain in the Partner’s Reward Balance until the threshold is met.
4.4. Payment Method: All disbursements are executed via electronic bank transfer to the verified personal UAE IBAN registered under the Partner's legal name. The Company does not disburse payments to third-party bank accounts.
5. REFUNDS, REVERSALS, AND CLAWBACKS
5.1. If a Referred Patient cancels, discontinues treatment, or receives a full or partial refund for any reason, the Company reserves the absolute right to recalculate and claw back the proportional reward.
5.2. Any claw back debited from the Partner’s accrued Reward Balance or deducted from future disbursements.
6. TAXATION AND REGULATORY INDEPENDENCE
6.1. The Partner acts as an independent professional. Nothing in these Terms shall establish an employment, agency, joint venture, or partnership relationship between the Company and the Partner.
6.2. The Partner is solely responsible for determining, declaring, and settling any personal tax liabilities, income reporting, or administrative filings arising from received rewards under the laws of the UAE or their applicable jurisdiction.
7. AMENDMENT, SUSPENSION, AND TERMINATION
7.1. The Company reserves the right to modify, amend, or terminate these Terms, reward percentages, or payout schedules at its sole discretion upon providing written or electronic notice to the Partner.
7.2. The Company reserves the right to suspend or terminate the Partner’s account and forfeit any unredeemed Reward Balance in the event of suspected fraud, misrepresentation, abuse of the Program, or violation of professional ethics.
8. GOVERNING LAW AND DISPUTE RESOLUTION
These Terms shall be governed by, and construed in accordance with, the laws of the United Arab Emirates. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts of the Emirate in which the Company is registered.
ACKNOWLEDGMENT AND ACCEPTANCE
By participating in the Harmony Partner Network, the Partner confirms that they have read, understood, and agreed to all provisions set forth in these Terms and Conditions.