Jade's injury wasn't her fault at all, Nia forcefully shoves her and there's no time to get your hands in the right position when you don't expect a shove that hard and it looks like it made Jade stumble a bit as well. That was all on Nia.
The ref botch was mostly on the ref. Nia even looks to say "what are you doing?" to the ref. Tiffany looked to be a bit late and I'm also wondering if Jade was supposed to pull the ref off but because of her injury, she rolled out and disappeared. The ref should have kept counting and just took whatever heat after, which wouldn't have been much compared to the embarrassment that occurred. She either stopped because something didn't happen that was supposed to, stopped because Tiffany didn't do her finisher yet which is fucking dumb cuz who gives a shit, we don't need finishers every match, or someone else was supposed to win.