Purser Services

資格與合規 ｜ Eligibility & Compliance

This page explains who may participate in Purser Services programs and how we maintain compliance with U.S. insurance, notary, and referral rules.
本頁說明可參與 Purser Services 推薦或代理合作的基本資格，以及我們遵循的合規原則。

Purser Services Credentials：
• California-registered bilingual business（註冊於加州的雙語服務）
• E&O insured（具職業責任險）
• California Notary Public（加州公證人）
• California Small Business Certified — ID 2046417（加州小型企業認證）
• Based in Fremont, California ｜ Email: info@purserservices.com ｜ Phone: (510) 320-3631

1️⃣ 基本資格 ｜ Basic Eligibility

In general, participants should meet the following minimum requirements:
一般而言，參與合作需符合以下基本條件：

  • Valid SSN or ITIN for tax reporting（需有 SSN 或 ITIN 以供報稅用途）
  • Minimum age: 18 years old（年滿 18 歲）
  • No history of insurance or financial fraud（無重大保險／金融詐欺等犯罪紀錄）
  • Complete background check / fingerprinting if required by state law（依州法完成背調與指紋建檔，若有要求）
  • Provide valid email and phone for communication（提供有效 Email 與電話以便聯繫）

2️⃣ 合作身份分類 ｜ Program Classification

Depending on your situation, you may participate as a Referral partner or as an Agent (trainee / sub-agent). 下表為不同身份對應的合作方式：

類別 / Category Referral 推薦人 Agent 掛靠代理 主要條件 / Key Requirements
Licensed (Life & Health / P&C) with NPN ✅ ✅ Provide license copy, NPN, and E&O coverage if applicable.
需提供現行有效之執照、NPN 編號及 E&O 保險（若適用）。
With SSN or ITIN, not yet licensed ✅ ✅（Trainee / Sub-Agent） Sign cooperation agreement; complete background check; obtain license within a set timeframe.
與 Purser Services 簽署合作協議，完成背景調查，並於約定期限內取得相關保險執照。
No SSN or ITIN ✅（General Referral） ❌ May refer clients but cannot handle licensed transactions or receive regulated commissions directly (tax limitation).
可介紹客戶，但不得直接承作需執照之交易或領取需以 SSN／ITIN 申報的佣金。
Work-visa holders (L / H / E / EAD, etc.) ✅ ✅（Subject to state rules） Must have a valid work authorization and tax status; participation is subject to carrier and state approval.
須具合法工作與報稅資格，實際合作仍以保險公司及各州規定為準。

3️⃣ 合規政策 ｜ Compliance Policy

  • Purser Services follows applicable state and federal regulations for insurance and notary activities.
    Purser Services 依照美國聯邦與各州之相關保險及公證法規辦理業務。
  • No immigration or citizenship data is requested or recorded.
    我們不會主動詢問或紀錄您的移民或公民身分。
  • All referral and commission payments must comply with IRS rules; SSN or ITIN is required for reportable payments.
    所有推薦回饋及佣金發放均須符合法規與 IRS 要求；需可提供 SSN／ITIN 才能辦理需申報之款項。
  • Agents must maintain active state licenses and E&O insurance where required by law or carrier guidelines.
    以 Agent 身份合作者須維持執照有效，並依法律或保險公司規定維持 E&O 保險。

4️⃣ 職業道德標準 ｜ Ethical Standards

  • Honesty and transparency with all clients and partners.
    對所有客戶與合作夥伴保持誠實與透明。
  • Protect client confidentiality and data privacy.
    妥善保護客戶資料與隱私，不任意洩露。
  • Avoid conflicts of interest or misrepresentation.
    避免利益衝突、誤導或不實陳述。

Violation of these standards may result in suspension or termination of participation.
若有重大違反上述原則之行為，Purser Services 得視情況中止或終止合作關係。

5️⃣ 法規依據 ｜ Regulatory References

The following resources guide how Purser Services designs its internal policies:
以下資料為 Purser Services 設計內部政策之主要參考方向：

  • California Department of Insurance (CDI) Guidelines
  • California Notary Public Handbook
  • Internal Revenue Service (IRS) — ITIN Program and general tax guidance

These references are not reproduced here in full; please refer to the official publications for exact wording.
上述內容僅為概要說明，實際條文請以各官方文件之最新版本為準。

© 2025 Purser Services ｜ Fremont, California · Contact: info@purserservices.com