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Invitation Relationships and Points

This page explains invitation chains, locking rules, No Roll-up Policy, points generation, and points reclaim.

Invitation relationship locking

A new Plan enrollment is based on a long-term locked invitation relationship between an inviter and invitee. These relationships form invitation relationship chains.

Examples:

  • Visiting an invitation link does not change the invitation relationship.
  • Registering in the app through an invitation link establishes a temporary invitation relationship that can be changed by entering another referral code, unless a locked relationship already exists.
  • Accepting a Quote Amount obtained by the inviter on the invitee's behalf establishes a temporary invitation relationship.
  • Entering an invitation code on the quote page can update the inviter if no locked relationship exists.
  • Initiating payment changes the temporary invitation relationship to a long-term locked relationship.
  • Using an inviter's invitation card establishes a long-term locked relationship if the invitee does not already have one.

Jump lines, meaning a downline changing upline, are not allowed.

Once an invitation card is used, it is consumed and cannot be used by others.

If someone was initially invited by an inviter but withdrew from the GDC Plan before the termination date of the effective period, that inviter can invite them to join again. If the person was invited by someone else before, the invitation relationship is locked and cannot be changed.

No Roll-up Policy

Effective as of May 1, 2026, the structural position of Promoters within a Team becomes permanently fixed.

If a Promoter loses active status, is downgraded, resigns, or has their account terminated for any reason, downline Promoters and Members remain in their original generational positions. They do not roll up or transfer closer to the Upline Affiliate.

Team volume and points continue to flow upline to the next eligible active Affiliate, but generational structure and physical placement remain unchanged.

Restoring the original plan through Restore Plan keeps the existing invitation relationship and does not generate new referral rewards or points. It does not allow the member to switch inviters.

A new enrollment after a previous plan has ended is different. A vehicle may qualify for direct rewards and Direct Points under Returning Auto Rewards and Points, Section 5.1.2. Those rewards go only to the direct inviter and do not generate upline Multi-level Referral Rewards or Indirect Points. Previously receiving a reward does not permanently exclude all Returning Auto rewards.

Points generation and distribution

For a first-time vehicle enrollment, points are generated when the new GDC Plan successfully pays the service fee. Each qualifying first-time plan generates 500 points regardless of quote amount. Returning Auto Direct Points follow the separate conditions in Section 5.1.2 of the Regular Plan; restoration does not generate new points.

Points are distributed upward along the referral chain until the points reach the first person at L9 level. After an Affiliate achieves L9 Lifetime Title, upgrade points continue to be distributed upward for two additional years from the date of L9 achievement; after that two-year period, points no longer distribute upward from that L9 Affiliate.

Renewal of a Plan does not generate points.

When a new GDC Plan joins a downline or when a GDC Plan churns, points are calculated in real time.

If there is qualifying churn or early exit in the team, points are reduced under the applicable reclaim rules. An eligible App exit does not reclaim points while the restoration window remains open.

A downline growing faster does not necessarily stop points or commissions to the upline. Points stop distributing only when the downline reaches L9, subject to the L9 two-year extension described above.

Churn, retention, and points reclaim

Churn Rate is the ratio of Plans that accumulated points for a Referrer or Affiliate but are withdrawn within 90 days of becoming effective or before becoming effective, divided by total Plans that accumulated points for that Referrer or Affiliate until the assessment date.

Retention Rate equals 1 minus Churn Rate.

If a Plan that generated points withdraws within 90 days after effectiveness, the reclaim rule deducts the corresponding points from the accumulated points of the Referrers and Affiliates who originally received those points, subject to the restoration-window timing below.

For eligible voluntary App exits, associated rewards and points for the original recipients, including eligible uplines, are not reclaimed during the seven-day restoration window. If the plan is restored, they are retained without a new reward or points issuance. If the window ends without restoration, any applicable reclaim is then processed under the existing termination rules. The window can end early. Each plan can be restored once.

This delay in reclaim does not by itself change the applicable 90-day eligibility rule, team-retention tests, or Affiliate-level requirements. For those calculations, a withdrawal is dated at the moment the member applied to exit in the App, not at the end of the restoration window. A plan that is restored within the window is not counted as a withdrawal at all. For incident handling after an exit, use Reporting after leaving or restoring a plan.

If a Team has 15 or more GDC Plans withdrawn within 90 days of becoming effective and the Team's Retention Rate is below 75%, the Promoter is given a one-time opportunity to rectify the issue before any revocation takes effect:

  • GDC sends a warning email. The Promoter must reply to that email within three (3) days to apply for the opportunity.
  • Once the application is submitted, the Promoter is granted a 3-month Rectification Period to restore the Team's Retention Rate to 75% or above.
  • If the Retention Rate reaches 75% or above by the end of the Rectification Period, no revocation occurs.
  • If the Promoter does not reply within the 3-day window, or does not reach 75% by the end of the Rectification Period, GDC permanently revokes the Promoter's invitation capability and Referrer & Affiliate status. Revoked status cannot be reapplied for.