Referral Program Terms

1. Introduction

1. Program Overview

1. Eligibility Requirements

1. Referral Code Generation and Usage

1. Commission Structure

1. Discount Application for Referred Users

1. Commission Tracking and Calculation

1. Payment Terms

1. Referral Earnings in Wallet

1. Withdrawal Process

1. Tax Implications and Reporting

1. Fraudulent Referral Prevention

1. Anti-Gaming Provisions

1. Prohibited Promotion Methods

1. FTC Affiliate Disclosure Requirements

1. Commission Disputes

1. Changes to Commission Structure

1. Program Suspension and Termination

1. Termination Conditions

1. Intellectual Property and Branding

1. Limitation of Liability

1. Modifications to Terms

1. Governing Law and Disputes

1. Contact Information

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INTRODUCTION

INTRODUCTION

INTRODUCTION

INTRODUCTION

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PROGRAM OVERVIEW

PROGRAM OVERVIEW

How the Program Works:

1. Generate Referral Code: Eligible users generate a unique referral code through their account dashboard

1. Share Referral Code: Referrers share their code with potential new users through approved channels

1. New User Signs Up: Referred Users create an account using the referral code

1. Discount Applied: Referred Users receive a discount on their subscription (see Section 6)

1. Referred User Subscribes: Referred User purchases a paid subscription plan

1. Commission Earned: Referrer earns a commission on the Referred User's subscription payments

1. Commission Credited: Earned commissions are credited to the Referrer's wallet within the Platform

1. Withdrawal: Referrers can withdraw earnings subject to minimum thresholds and verification requirements

Program Benefits:

Withdrawal: Referrers can withdraw earnings subject to minimum thresholds and verification requirements

• Earn ongoing commissions on referred subscriptions

• Passive income opportunity from your network

• Access to referral analytics and tracking dashboard

• Tiered commission structure for high-volume referrers (when applicable)

Tiered commission structure for high-volume referrers (when applicable)

• Exclusive discount on first subscription payment

• Access to premium financial planning tools at reduced cost

• Support from referring user (community benefit)

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ELIGIBILITY REQUIREMENTS

ELIGIBILITY REQUIREMENTS

Referrer Eligibility:

Account Requirements:

• Active Account: Must have an active XPlus Finance account in good standing

• Verified Email: Email address must be verified

• Complete Profile: Profile information must be complete and accurate

• No Violations: No history of Terms of Service violations or fraudulent activity

• Account Age: Account must be at least 30 days old (to prevent abuse)

Geographic Restrictions:

• Must be located in a jurisdiction where the Referral Program is available

• Must not be located in countries subject to U.S. sanctions or embargoes

• Must comply with local laws regarding referral and affiliate programs

Age Requirements:

• Must be at least 18 years old (or age of majority in your jurisdiction)

• Minors cannot participate in the Referral Program

Legal Capacity:

• Must have legal capacity to enter into binding agreements

• Must not be prohibited from participating by court order or legal restriction

Referred User Eligibility:

• Must be a new user who has never had an XPlus Finance account

• Must not be an existing user creating a duplicate account

• Must use the referral code during account registration

• Must subscribe to a paid plan within 90 days of registration

• Must maintain active subscription for at least 30 days for commission to vest

Ineligibility Conditions:

Must maintain active subscription for at least 30 days for commission to vest

• Your account has been suspended or terminated in the past

• You are an XPlus Finance employee, contractor, or immediate family member

• You have engaged in fraudulent activity on the Platform

• You have violated these Referral Terms previously

• You are located in a prohibited jurisdiction

• You use VPN or other tools to circumvent geographic restrictions

You use VPN or other tools to circumvent geographic restrictions

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REFERRAL CODE GENERATION AND USAGE

Generating Your Referral Code:

How to Generate:

1. Log in to your XPlus Finance account

1. Navigate to Account Settings > Referral Program

1. Click "Generate Referral Code"

1. Your unique referral code will be created (format: XPLUS-[USERNAME]-[RANDOM])

1. Copy your referral code or unique referral link

Referral Code Characteristics:

• Unique: Each referral code is unique to your account

• Permanent: Your referral code does not expire and remains active while you're eligible

• Single Code: You can only have one active referral code

• Non-Transferable: Referral codes cannot be transferred to other users

Sharing Your Referral Code:

Approved Sharing Methods:

• Personal social media accounts (with proper disclosures - see Section 15)

• Email to friends, family, and professional network

• Blog or website content (with FTC disclosures)

• In-person recommendations

• Educational content (webinars, courses) with disclosures

• Community forums (where permitted by forum rules)

Prohibited Sharing Methods:

Community forums (where permitted by forum rules)

How Referred Users Apply Codes:

During Registration:

• Referred Users enter the referral code in the "Referral Code" field during account creation

• The code must be applied BEFORE completing registration

• Codes cannot be applied retroactively after account creation

Code Validation:

• System validates that the code is active and belongs to an eligible Referrer

• System confirms the new user has never had an account before

• System applies the discount to the Referred User's account

• Referral relationship is established and tracked in the database

Referral Link Alternative:

• You can also share a unique referral link: `https://xplusfinance.com/signup?ref=[YOUR_CODE]`

• Clicking this link pre-populates the referral code during signup

• Referred Users can still complete registration normally

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COMMISSION STRUCTURE

COMMISSION STRUCTURE

Commission Rates:

Standard Commission Structure:

COMMISSION STRUCTURE

• Premium Plan ($9.99/month): 20% commission = $2.00 per month

• Premium Plus Plan ($19.99/month): 20% commission = $4.00 per month

• Enterprise Plan ($49.99/month): 15% commission = $7.50 per month

Enterprise Plan ($49.99/month): 15% commission = $7.50 per month

• Premium Plan ($99.99/year): 20% commission = $20.00 (one-time payment)

• Premium Plus Plan ($199.99/year): 20% commission = $40.00 (one-time payment)

• Enterprise Plan ($499.99/year): 15% commission = $75.00 (one-time payment)

Commission Duration:

Recurring Commissions:

• Monthly Subscriptions: Earn commission for each month the Referred User maintains an active subscription

• Ongoing Payments: Commissions continue as long as the Referred User remains subscribed

• Lifetime Commissions: No time limit on commission earnings from a single referral

• Cancellation Impact: Commissions stop when Referred User cancels or downgrades to free tier

Annual Subscription Commissions:

• One-Time Payment: For annual subscriptions, commission is paid once when the annual payment is processed

• Renewal Commissions: New commission earned when Referred User renews annual subscription

• No Monthly Recurring: Annual subscriptions do not generate monthly recurring commissions

Commission Qualification Requirements:

No Monthly Recurring: Annual subscriptions do not generate monthly recurring commissions

1. Referred User completes a paid subscription purchase

1. Payment is successfully processed (not declined or refunded)

1. Referred User maintains subscription for at least 30 days (vesting period)

1. Both Referrer and Referred User accounts remain in good standing

1. No fraudulent activity is detected

No fraudulent activity is detected

• Free tier signups (no paid subscription)

• Trial periods (commissions start after trial converts to paid)

• Refunded payments

• Chargebacks or disputed payments

• Subscriptions canceled within 30-day vesting period

• Self-referrals or fraudulent referrals

High-Volume Referrer Bonuses:

Self-referrals or fraudulent referrals

• Bronze Tier: 10+ active referrals = +2% commission boost

• Silver Tier: 25+ active referrals = +5% commission boost

• Gold Tier: 50+ active referrals = +10% commission boost

• Platinum Tier: 100+ active referrals = +15% commission boost

Platinum Tier: 100+ active referrals = +15% commission boost

• Based on number of active paying Referred Users

• Tiers are recalculated monthly

• Bonus applies to all commissions earned that month

• Must maintain minimum referral count to retain tier status

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DISCOUNT APPLICATION FOR REFERRED USERS

DISCOUNT APPLICATION FOR REFERRED USERS

Discount Structure:

DISCOUNT APPLICATION FOR REFERRED USERS

• 20% off first subscription payment (monthly or annual)

• Applied automatically when referral code is used during signup

• Discount code: AUTO-APPLIED via referral system

Discount code: AUTO-APPLIED via referral system

• Premium Monthly ($9.99) → $7.99 for first month, then $9.99/month

• Premium Annual ($99.99) → $79.99 for first year, then $99.99/year

• Premium Plus Monthly ($19.99) → $15.99 for first month, then $19.99/month

• Enterprise Annual ($499.99) → $399.99 for first year, then $499.99/year

Discount Limitations:

Enterprise Annual ($499.99) → $399.99 for first year, then $499.99/year

• Discount applies ONLY to the first subscription payment

• Subsequent renewals are charged at full price

• Discount cannot be reapplied if subscription is canceled and restarted

Discount cannot be reapplied if subscription is canceled and restarted

• Referral discount cannot be combined with other promotional offers

• If multiple discounts are available, the greater discount applies

• Referral discount may be overridden by platform-wide promotional campaigns (we will notify referrers if commissions are affected)

Referral discount may be overridden by platform-wide promotional campaigns (we will notify referrers if commissions are affected)

• Discount must be applied during initial signup

• Cannot be applied after account creation

• Cannot be added to existing accounts

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COMMISSION TRACKING AND CALCULATION

COMMISSION TRACKING AND CALCULATION

Real-Time Tracking:

COMMISSION TRACKING AND CALCULATION

COMMISSION TRACKING AND CALCULATION

• Total number of referrals (pending, active, inactive)

• Pending commissions (not yet vested)

• Earned commissions (vested and credited)

• Available balance (ready for withdrawal)

• Lifetime earnings summary

• Individual referral details and status

Commission Calculation Process:

Monthly Subscription Commissions:

1. Referred User's subscription payment processes successfully

1. 30-day vesting period begins (for first payment)

1. After 30 days, if subscription is still active, commission is marked "earned"

1. Commission is credited to your wallet within 5 business days

1. For subsequent months, commission is credited immediately upon successful payment (no vesting period for renewals)

Annual Subscription Commissions:

1. Referred User's annual payment processes successfully

1. 30-day vesting period begins

1. After 30 days, if subscription is still active, commission is earned

1. Full annual commission credited to your wallet within 5 business days

Commission Calculation Formula:

Full annual commission credited to your wallet within 5 business days

Full annual commission credited to your wallet within 5 business days

Full annual commission credited to your wallet within 5 business days

• Premium Monthly: $9.99 × 20% = $1.998 ≈ $2.00 (rounded)

• Premium Annual: $99.99 × 20% = $19.998 ≈ $20.00 (rounded)

Premium Annual: $99.99 × 20% = $19.998 ≈ $20.00 (rounded)

Tracking Accuracy:

Premium Annual: $99.99 × 20% = $19.998 ≈ $20.00 (rounded)

• All referrals and commissions are tracked automatically

• Database records all referral relationships and transactions

• Real-time updates to your dashboard (may have up to 1-hour delay for processing)

Real-time updates to your dashboard (may have up to 1-hour delay for processing)

• Every commission payment is recorded with transaction ID

• Records include: date, amount, referral user, subscription plan, status

• Transaction history available for export (CSV format)

Transaction history available for export (CSV format)

• Complete audit trail maintained for all referral activities

• Available for review in case of disputes

• Records retained for 7 years for tax and legal compliance

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PAYMENT TERMS

Payment Schedule:

PAYMENT TERMS

• Earned commissions are credited to your Platform wallet within 5 business days after vesting

• Wallet balance updates are reflected in real-time in your dashboard

• Email notifications sent when commissions are credited (if notifications enabled)

Email notifications sent when commissions are credited (if notifications enabled)

• Withdrawal requests are processed within 5-10 business days

• Funds transferred via Stripe Connect to your designated payout account

• Processing time may vary based on your bank or payment provider

Payment Minimums and Maximums:

Minimum Withdrawal Amount:

• $25.00 USD minimum to request a withdrawal

• Ensures cost-effectiveness of transaction processing fees

• No minimum for commission crediting to wallet

Maximum Withdrawal Amount:

• $10,000 USD maximum per single withdrawal

• For larger amounts, submit multiple withdrawal requests

• Anti-fraud and money laundering prevention measure

No Maximum Earnings:

• No limit on total commissions you can earn

• No cap on wallet balance accumulation

Payment Methods:

No cap on wallet balance accumulation

• All withdrawals processed via Stripe Connect

• Must complete Stripe Express account verification (see Section 10)

• Funds deposited to bank account or debit card linked to Stripe

Funds deposited to bank account or debit card linked to Stripe

• Bank account (ACH transfer for U.S., wire transfer internationally)

• Debit card (instant or standard transfer)

• Payment methods vary by country and Stripe availability

Fees:

Payment methods vary by country and Stripe availability

• No fees charged by XPlus Finance for withdrawals

• You receive 100% of your earned commission balance

You receive 100% of your earned commission balance

• Stripe may charge processing fees for payouts (typically 0.25% or $0.25, whichever is greater for instant transfers)

• Bank wire fees may apply for international transfers

• Currency conversion fees may apply for non-USD payouts

• Review Stripe's fee schedule for your region

Payment Currency:

• Commissions calculated and paid in USD

• For international users, Stripe handles currency conversion

• Exchange rates determined by Stripe at time of transfer

• You are responsible for any currency conversion costs

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REFERRAL EARNINGS IN WALLET

REFERRAL EARNINGS IN WALLET

Wallet Functionality:

REFERRAL EARNINGS IN WALLET

• Real-time balance display in your dashboard

• Separate line items for pending, earned, and available balance

• Transaction history with full details

Transaction history with full details

Pending Commissions:

• Commissions in 30-day vesting period (first payment from new referrals)

• Not yet available for withdrawal

• May be reversed if Referred User cancels during vesting period

Earned Commissions:

• Commissions that have vested but not yet credited to wallet

• Will be credited within 5 business days

• Displayed separately for transparency

Available Balance:

• Funds credited to wallet and available for withdrawal

• Immediately withdrawable (subject to minimum threshold)

• No time restrictions on withdrawal

Wallet Security:

• Wallet balance is tracked in our secure database

• Multi-factor authentication required for withdrawals

• Withdrawal confirmation emails sent for verification

• Suspicious withdrawal activity triggers security review

No Investment Feature:

• Wallet is for commission storage only

• Funds do not earn interest

• Cannot be used to purchase Platform subscriptions (commissions are for withdrawal only)

• Cannot be transferred to other users

Balance Expiration:

• No expiration on wallet balances

• Funds remain available indefinitely while your account is active

• Upon account closure, you have 90 days to withdraw remaining balance

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WITHDRAWAL PROCESS

WITHDRAWAL PROCESS

Verification Requirements:

WITHDRAWAL PROCESS

WITHDRAWAL PROCESS

1. Navigate to Account Settings > Referral Program > Withdrawal Settings

1. Click "Connect Stripe Account"

1. Complete Stripe Express account creation

1. Provide required information:

• Full legal name

• Date of birth

• Social Security Number (U.S.) or Tax ID

• Home address

• Government-issued ID (photo upload)

• Bank account or debit card information

Bank account or debit card information

• Stripe conducts Know Your Customer (KYC) verification

• Identity verification typically completes within 24-48 hours

• Additional documentation may be requested for high-volume accounts

• Verification required by U.S. financial regulations and anti-money laundering laws

Withdrawal Steps:

Verification required by U.S. financial regulations and anti-money laundering laws

1. Ensure your available balance meets the $25 minimum

1. Ensure Stripe account is verified and connected

1. Navigate to Account Settings > Referral Program > Withdraw Funds

1. Enter withdrawal amount (between $25 and $10,000)

1. Review withdrawal details and fees

1. Confirm withdrawal request

1. Receive email confirmation with withdrawal ID

Receive email confirmation with withdrawal ID

• Withdrawal request submitted to Stripe within 24 hours

• Stripe processes payout within 2-7 business days

• Total processing time: 5-10 business days

• Instant transfers (if available) may be faster but include higher fees

Withdrawal Limits:

Instant transfers (if available) may be faster but include higher fees

• 1 withdrawal per 7 days (one week minimum between withdrawals)

• Prevents excessive transaction fees and administrative burden

• No limit on number of withdrawals per month or year

No limit on number of withdrawals per month or year

• Minimum: $25.00 per withdrawal

• Maximum: $10,000.00 per withdrawal

• No daily or monthly withdrawal cap (subject to per-transaction maximum)

Failed Withdrawals:

No daily or monthly withdrawal cap (subject to per-transaction maximum)

• Insufficient balance

• Stripe account not verified

• Incorrect bank account information

• Account flagged for suspicious activity

• Bank rejects transfer

Bank rejects transfer

• Failed funds are returned to your wallet immediately

• Email notification sent with failure reason

• You can update information and retry withdrawal

• Contact support if issue persists

Withdrawal Confirmation:

• Email confirmation sent when withdrawal is initiated

• Second email sent when Stripe completes payout

• Transaction ID provided for your records

• Payout appears on your Stripe dashboard

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TAX IMPLICATIONS AND REPORTING

TAX IMPLICATIONS AND REPORTING

Tax Responsibility:

TAX IMPLICATIONS AND REPORTING

• Referral commissions constitute taxable income in most jurisdictions

• You must report all commission income on your tax returns

• You are solely responsible for calculating and paying applicable taxes

• Consult with qualified tax professionals (CPA, tax attorney) for advice specific to your situation

Consult with qualified tax professionals (CPA, tax attorney) for advice specific to your situation

• Your tax liability

• Tax calculation or preparation

• Tax planning or advice

• Penalties or interest for unpaid taxes

• State or local tax obligations

U.S. Tax Reporting (Form 1099-NEC):

State or local tax obligations

• If you earn $600 or more in commissions in a calendar year, we are required to issue Form 1099-NEC

• Form 1099-NEC reports your commission income to the IRS

• You will receive Form 1099-NEC by January 31 of the following year

• We file Form 1099-NEC with the IRS on your behalf

We file Form 1099-NEC with the IRS on your behalf

• You must provide a valid Taxpayer Identification Number (TIN) during Stripe verification

• U.S. individuals: Provide Social Security Number (SSN)

• U.S. businesses: Provide Employer Identification Number (EIN)

• Failure to provide valid TIN may result in backup withholding

Failure to provide valid TIN may result in backup withholding

• If you fail to provide a valid TIN, we may be required to withhold 24% of your commissions for IRS

• Withheld amounts are remitted to IRS and reported on Form 1099-NEC

• You can claim withheld amounts as credit on your tax return

International Tax Reporting:

You can claim withheld amounts as credit on your tax return

• Tax reporting requirements vary by country

• You are responsible for understanding and complying with your local tax laws

• We may be required to issue tax forms in your jurisdiction

• Consult with local tax professionals

Consult with local tax professionals

• U.S. tax treaties may affect withholding rates

• Complete Form W-8BEN (individuals) or W-8BEN-E (entities) if applicable

• Stripe may facilitate treaty benefit claims

Record Keeping:

Stripe may facilitate treaty benefit claims

• Maintain detailed records of all commission income

• Keep copies of withdrawal confirmations and transaction history

• Retain records for at least 7 years (IRS requirement)

• Export transaction history from your dashboard for tax preparation

Export transaction history from your dashboard for tax preparation

• Transaction history (CSV export available)

• Annual earnings summary (available in January for prior year)

• Form 1099-NEC (if applicable)

• Individual commission records with dates and amounts

Tax Deductions:

Individual commission records with dates and amounts

Individual commission records with dates and amounts

• Website hosting and domain costs (if you promote via website)

• Advertising expenses

• Software or tools used for promotion

• Professional fees (accountant, lawyer)

Professional fees (accountant, lawyer)

• Tax deductibility depends on your specific circumstances

• IRS rules for business expenses are complex

• Improper deductions can result in penalties

• A CPA can help maximize legitimate deductions

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FRAUDULENT REFERRAL PREVENTION

FRAUDULENT REFERRAL PREVENTION

Prohibited Fraudulent Activities:

FRAUDULENT REFERRAL PREVENTION

• Creating multiple accounts to refer yourself

• Using family members' accounts as fake referrals

• Using temporary or disposable email addresses for fake signups

Using temporary or disposable email addresses for fake signups

• Creating fake user accounts to generate commissions

• Using bots or automated scripts to create referrals

• Signing up non-existent or inactive users

Signing up non-existent or inactive users

• Using stolen credit cards to fund referred accounts

• Making subscription payments with intent to chargeback

• Coordinating with referred users to abuse refund policies

Coordinating with referred users to abuse refund policies

• Manipulating discount codes for unauthorized benefits

• Creating accounts solely to access referral discounts

• Sharing referral codes in ways that violate terms

Fraud Detection Systems:

Sharing referral codes in ways that violate terms

• Machine learning algorithms detect suspicious patterns

• Flags for unusual referral velocity (too many referrals too quickly)

• Detection of referrals from same IP addresses or devices

• Identification of patterns indicating coordinated fraud

Identification of patterns indicating coordinated fraud

• Suspicious accounts flagged for human review

• High-volume referrers subject to periodic audits

• Investigation of chargebacks and refund patterns

• Review of reported fraud by other users or payment processors

Consequences of Fraudulent Activity:

Review of reported fraud by other users or payment processors

• Suspension of Referral Program participation

• Forfeiture of all pending and earned commissions

• Reversal of fraudulent commissions (deducted from wallet balance)

• Account suspension or termination

Account suspension or termination

• Referral of criminal fraud to law enforcement

• Civil litigation to recover damages

• Cooperation with payment processors and regulatory authorities

• Permanent ban from Platform

Permanent ban from Platform

• Zero tolerance for fraudulent referral activity

• First offense may result in permanent ban

• We reserve all rights to pursue remedies under law

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ANTI-GAMING PROVISIONS

ANTI-GAMING PROVISIONS

Prohibited Gaming Activities:

ANTI-GAMING PROVISIONS

• Coordinating with referred users to cancel and re-subscribe repeatedly to generate commissions

• Creating patterns of subscriptions designed solely to earn commissions, not for genuine use

Creating patterns of subscriptions designed solely to earn commissions, not for genuine use

• Encouraging referred users to subscribe to higher tiers than they need

• Paying for referred users' subscriptions to earn higher commissions

• Offering kickbacks or rebates to referred users from your commissions

Offering kickbacks or rebates to referred users from your commissions

• Organizing groups to refer each other in circular patterns

• Creating referral networks with sole purpose of generating commissions

• Colluding with other users to manipulate commission structures

Colluding with other users to manipulate commission structures

• Attempting to apply multiple referral codes to single accounts

• Manipulating the system to receive multiple discounts

• Sharing referral codes in ways that circumvent one-code-per-user limit

Detection and Enforcement:

Sharing referral codes in ways that circumvent one-code-per-user limit

• Algorithms detect unusual referral and subscription patterns

• Flagging of statistically improbable referral success rates

• Identification of coordinated timing across multiple accounts

Identification of coordinated timing across multiple accounts

1. System flags suspicious activity

1. Account placed under review (commissions may be held)

1. User notified of investigation (in some cases)

1. Evidence reviewed by compliance team

1. Determination made and user notified of outcome

Determination made and user notified of outcome

• Disqualification from earning commissions on gaming-related referrals

• Forfeiture of commissions determined to be from gaming

• Suspension from Referral Program (temporary or permanent)

• Account termination for severe or repeated violations

Good Faith Participation:

Account termination for severe or repeated violations

Account termination for severe or repeated violations

• Genuine recommendations to friends, family, and professional network

• Authentic content creation (blogs, videos) promoting the Platform

• Honest advocacy for a product you truly use and value

• Building community of real users who benefit from the Platform

Building community of real users who benefit from the Platform

• Refer users who will genuinely benefit from XPlus Finance

• Do not misrepresent the Platform's features or benefits

• Do not pressure or coerce individuals to sign up

• Respect referred users' autonomy in subscription decisions

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PROHIBITED PROMOTION METHODS

PROHIBITED PROMOTION METHODS

Spam and Unsolicited Contact:

PROHIBITED PROMOTION METHODS

• Mass unsolicited emails promoting your referral code

• Purchasing email lists to promote referrals

• Email campaigns without opt-in consent

• Violating CAN-SPAM Act or similar anti-spam laws

Violating CAN-SPAM Act or similar anti-spam laws

• Unsolicited text messages with referral codes

• Auto-dialer or robocalling campaigns

• Violating TCPA (Telephone Consumer Protection Act)

Violating TCPA (Telephone Consumer Protection Act)

• Mass direct messages on social media platforms

• Automated bots posting referral links

• Posting in groups/forums that prohibit promotional content

• Violating social media platforms' terms of service

False or Misleading Advertising:

Violating social media platforms' terms of service

• Misrepresenting the Platform's features or capabilities

• Guaranteeing investment returns or financial results

• Making false comparisons to competitors

• Claiming endorsements that don't exist

Claiming endorsements that don't exist

• Failing to disclose your financial interest in referrals (see Section 15 for FTC requirements)

• Presenting referral content as unbiased reviews without disclosure

• Hiding or obscuring your affiliate relationship

Hiding or obscuring your affiliate relationship

• Creating fake review sites or testimonials

• Astroturfing (fake grassroots campaigns)

• Impersonating XPlus Finance staff or official accounts

• Using fake urgency or scarcity tactics

Trademark and Brand Misuse:

Using fake urgency or scarcity tactics

• Using "XPlus Finance" in domain names without authorization

• Creating social media accounts that impersonate official accounts

• Using our logos or trademarks without permission

• Implying official partnership or endorsement

Implying official partnership or endorsement

• Designing websites or content that could be confused with official materials

• Using similar branding to mislead users

• Claiming to be official representatives without authorization

Paid Search and SEO Abuse:

Claiming to be official representatives without authorization

• Bidding on "XPlus Finance" or related brand terms in paid search (Google Ads, Bing Ads)

• Using our trademarks in ad copy without authorization

• Creating ads that compete with official Platform ads

Creating ads that compete with official Platform ads

• Keyword stuffing or cloaking

• Link schemes or PBNs (Private Blog Networks)

• Content scraping or plagiarism

• Any SEO tactics that violate search engine guidelines

Inappropriate Channels:

Any SEO tactics that violate search engine guidelines

• Promoting referral codes on adult content websites

• Associating the Platform with adult or explicit content

Associating the Platform with adult or explicit content

• Promoting on sites facilitating illegal activities

• Associating the Platform with piracy, hacking, or illegal services

Associating the Platform with piracy, hacking, or illegal services

• Promoting on platforms promoting hate speech or discrimination

• Associating the Platform with extremist content

Incentivized Referrals:

Associating the Platform with extremist content

• Offering cash payments to users who sign up with your code

• Providing gifts, prizes, or rewards for using your referral code

• Entering users into contests or sweepstakes for referrals

• Offering your own discounts or kickbacks (Platform discount is already provided)

Offering your own discounts or kickbacks (Platform discount is already provided)

Consequences of Prohibited Methods:

• Immediate removal of content using prohibited methods

• Forfeiture of commissions earned through prohibited methods

• Suspension or termination from Referral Program

• Account termination for egregious violations

• Legal action if laws are violated

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FTC AFFILIATE DISCLOSURE REQUIREMENTS

FTC AFFILIATE DISCLOSURE REQUIREMENTS

Disclosure Requirement:

FTC AFFILIATE DISCLOSURE REQUIREMENTS

• When you promote your referral code, you are making an endorsement

• You have a material connection to XPlus Finance (financial interest in referrals)

• You MUST clearly and conspicuously disclose this relationship

You MUST clearly and conspicuously disclose this relationship

You MUST clearly and conspicuously disclose this relationship

• "I may earn a commission if you sign up using my referral link."

• "Full disclosure: I'm an XPlus Finance user and earn commissions on referrals."

• "Affiliate link: I benefit if you subscribe through my code."

• "#ad" or "#affiliate" (for social media posts)

Where to Disclose:

"#ad" or "#affiliate" (for social media posts)

• Place disclosure at the beginning of the post (above the fold)

• Use clear language, not legal jargon

• Make disclosure stand out visually (bold, different color, or bordered box)

Make disclosure stand out visually (bold, different color, or bordered box)

• Include disclosure in the post itself, not just in profile bio

• Use hashtags like #ad, #affiliate, or #sponsored

• Disclosure must be visible without clicking "see more" or expanding

• For video content, disclose verbally and in video description

For video content, disclose verbally and in video description

• Include disclosure before the referral link

• Make it clear you benefit financially from signups

Make it clear you benefit financially from signups

• Disclose both verbally and in description/show notes

• Disclosure should be at the beginning, not just in closing credits

Disclosure Best Practices:

Disclosure should be at the beginning, not just in closing credits

• Use plain language that's easy to understand

• Avoid burying disclosure in lengthy text

• Don't use tiny font sizes or light colors that are hard to read

• Place disclosure where users will see it before clicking links

Place disclosure where users will see it before clicking links

Place disclosure where users will see it before clicking links

Place disclosure where users will see it before clicking links

Place disclosure where users will see it before clicking links

Place disclosure where users will see it before clicking links

Place disclosure where users will see it before clicking links

Place disclosure where users will see it before clicking links

Place disclosure where users will see it before clicking links

Place disclosure where users will see it before clicking links

FTC Enforcement:

Place disclosure where users will see it before clicking links

• FTC can investigate and impose fines (up to $43,280 per violation)

• Damage to your personal reputation and credibility

• Suspension from XPlus Finance Referral Program

• Legal liability for deceptive advertising

Legal liability for deceptive advertising

• We monitor affiliate promotions for FTC compliance

• Users who fail to disclose may be suspended from Program

• We may remove commissions earned through non-compliant promotions

Additional Resources:

• FTC Endorsement Guides: https://www.ftc.gov/business-guidance/resources/ftcs-endorsement-guides-what-people-are-asking

• FTC Disclosures 101: https://www.ftc.gov/business-guidance/resources/disclosures-101-social-media-influencers

FTC Disclosures 101: https://www.ftc.gov/business-guidance/resources/disclosures-101-social-media-influencers

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COMMISSION DISPUTES

COMMISSION DISPUTES

Grounds for Disputes:

COMMISSION DISPUTES

• Commission not credited for verified referral

• Incorrect commission amount calculated

• Withdrawal not processed after 10 business days

• Referral incorrectly marked as fraudulent

• Technical error in tracking system

Technical error in tracking system

• Disagreement with commission rate structure

• Referred user canceled subscription (commissions rightfully stopped)

• Referred user refunded payment (commission reversal is correct)

• Account suspended for policy violations

Dispute Process:

Account suspended for policy violations

Account suspended for policy violations

• Referral code used

• Referred user's email address (if known)

• Date of referral signup

• Expected commission amount

• Transaction IDs or screenshots from dashboard

Transaction IDs or screenshots from dashboard

1. Navigate to Account Settings > Referral Program > Support

1. Click "Dispute Commission"

1. Complete dispute form with all details

1. Attach supporting documentation

1. Submit dispute ticket

Submit dispute ticket

• Disputes are reviewed within 10 business days

• We investigate by examining system logs, payment records, and referral data

• You may be contacted for additional information

• Complex disputes may take longer to resolve

Complex disputes may take longer to resolve

• You will receive email notification of dispute outcome

• If dispute is upheld: Missing commission credited within 5 business days

• If dispute is denied: Detailed explanation provided

• Final decision at our discretion

Dispute Timeline:

• 10 business days: Review and investigation

• 5 business days: Credit to wallet (if upheld)

• Total: Up to 15 business days for resolution

Appeals:

• If you disagree with dispute resolution, you may submit one appeal

• Appeals reviewed by senior management

• Appeal decisions are final

Limitations:

Appeal decisions are final

• Commission disputes must be filed within 90 days of alleged error

• Disputes filed after 90 days will not be considered

• Statute of limitations for legal claims may vary

Statute of limitations for legal claims may vary

• Repeated frivolous disputes may result in suspension from Program

• We reserve the right to limit dispute submissions

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CHANGES TO COMMISSION STRUCTURE

CHANGES TO COMMISSION STRUCTURE

Modification Rights:

CHANGES TO COMMISSION STRUCTURE

• Commission rates (percentages)

• Commission duration (e.g., limiting commissions to first 12 months)

• Eligibility requirements

• Payment minimums and maximums

• Performance tier thresholds and bonuses

• Discount amounts for referred users

• Referral code format or functionality

Notification of Changes:

Referral code format or functionality

• 30 days' notice for material changes affecting commission rates or structure

• Notice provided via email to registered email address

• Notice posted in Referral Program dashboard

• Notice posted on Platform and legal documents page

Notice posted on Platform and legal documents page

• Minor administrative changes may be implemented without notice

• Changes required by law or regulation may be immediate

• Fraud prevention measures may be added without advance notice

Grandfathering Policy:

Fraud prevention measures may be added without advance notice

• Changes to commission rates typically apply only to NEW referrals after the effective date

• Existing active referrals (from before the change) may be grandfathered at old rates (at our discretion)

• We will specify grandfathering terms in change notification

We will specify grandfathering terms in change notification

• Grandfathering is a courtesy, not a contractual right

• We reserve the right to apply changes to all referrals if necessary

• Circumstances requiring uniform changes include: legal compliance, business viability, fraud prevention

Your Options:

Circumstances requiring uniform changes include: legal compliance, business viability, fraud prevention

• Continued participation in Program after effective date constitutes acceptance

• You can continue earning under new terms

You can continue earning under new terms

• If you disagree with changes, you may discontinue participation

• Withdraw any available balance before discontinuing

• Discontinuation does not relieve you of obligations under these Terms (e.g., tax reporting for past earnings)

Program Termination:

• We reserve the right to terminate the entire Referral Program with 90 days' notice

• Commissions earned before termination will be honored and paid

• Pending commissions in vesting period will be evaluated case-by-case

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PROGRAM SUSPENSION AND TERMINATION

PROGRAM SUSPENSION AND TERMINATION

Suspension:

PROGRAM SUSPENSION AND TERMINATION

PROGRAM SUSPENSION AND TERMINATION

• Investigation of suspected policy violations

• Verification of identity or withdrawal information

• Unusual activity requiring security review

• Pending resolution of commission disputes

• Legal or regulatory requirements

Legal or regulatory requirements

• New referrals using your code will not be tracked

• Pending commissions are frozen (not forfeited, but held)

• Withdrawals may be temporarily disabled

• You will be notified of suspension and reason (if permissible)

You will be notified of suspension and reason (if permissible)

• Suspensions last until investigation is complete

• Typically resolved within 30 days

• May be extended for complex cases

May be extended for complex cases

• If cleared, your participation is reinstated

• Pending commissions are released

• Referral code reactivated

Termination:

Referral code reactivated

Referral code reactivated

• Violation of these Referral Terms

• Fraudulent referral activity

• Use of prohibited promotion methods

• Repeated policy violations

• Breach of general Terms of Service

• Illegal activity

Illegal activity

• Immediate deactivation of referral code

• Forfeiture of pending commissions

• Earned commissions (already credited to wallet) may be retained and withdrawn

• Permanent ban from future Program participation

• Potential account suspension or termination

Potential account suspension or termination

• You will be notified of termination via email

• Reason for termination provided (unless legally prohibited)

• Information about withdrawal of earned commissions

Voluntary Withdrawal:

Information about withdrawal of earned commissions

• You can voluntarily withdraw from the Referral Program at any time

• Navigate to Account Settings > Referral Program > Deactivate Referral Code

• Confirm deactivation

Confirm deactivation

• Your referral code is deactivated immediately

• Existing referrals continue to generate commissions (unless you opt to forfeit)

• You can withdraw available balance at any time

• You may rejoin Program in the future (subject to eligibility)

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TERMINATION CONDITIONS

TERMINATION CONDITIONS

Automatic Termination:

TERMINATION CONDITIONS

• If you close your XPlus Finance account, Referral Program participation ends automatically

• You have 90 days to withdraw remaining balance

• After 90 days, unclaimed balances may be forfeited

After 90 days, unclaimed balances may be forfeited

• If your account is suspended for Terms of Service violations, Referral Program participation is also suspended

• Reinstatement contingent on resolution of account issues

Reinstatement contingent on resolution of account issues

• If your account is inactive for 24 consecutive months, referral code may be deactivated

• Earned balances remain available for withdrawal

• You can reactivate upon returning to Platform

Violation-Based Termination:

You can reactivate upon returning to Platform

• Warning issued via email

• Opportunity to correct behavior

• Continued participation allowed if corrective action taken

Continued participation allowed if corrective action taken

• Immediate termination from Program

• Forfeiture of pending commissions

• Retention of earned commissions (already in wallet)

Retention of earned commissions (already in wallet)

• Immediate termination

• Forfeiture of all commissions (pending and earned)

• Account termination

• Legal action pursued

Post-Termination:

Legal action pursued

• You have 90 days from termination to withdraw earned balance

• After 90 days, we may forfeit unclaimed balances (where permitted by law)

After 90 days, we may forfeit unclaimed balances (where permitted by law)

• Termination for minor violations: May reapply after 12 months

• Termination for fraud or major violations: Permanent ban, no re-application

Termination for fraud or major violations: Permanent ban, no re-application

• Tax reporting obligations continue (Form 1099-NEC for past earnings)

• Confidentiality and intellectual property obligations survive termination

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INTELLECTUAL PROPERTY AND BRANDING

INTELLECTUAL PROPERTY AND BRANDING

Permitted Use:

INTELLECTUAL PROPERTY AND BRANDING

INTELLECTUAL PROPERTY AND BRANDING

INTELLECTUAL PROPERTY AND BRANDING

• Accurately describe Platform features and benefits

• Use factual information from official materials

• Link to official website and resources

Prohibited Use:

Link to official website and resources

• Do not use "XPlus Finance" in domain names (e.g., xplusfinance-reviews.com) without authorization

• Do not register social media handles with our name

• Do not use our name in a way that implies official partnership or endorsement

Do not use our name in a way that implies official partnership or endorsement

• Do not use our logo or branding without written permission

• Do not modify, alter, or create derivative versions of our logo

• Contact [email protected] for logo usage requests

Contact [email protected] for logo usage requests

• Do not create materials that could be confused with official materials

• Do not impersonate company representatives

• Do not claim official status or exclusive partnership

Permitted Materials:

Do not claim official status or exclusive partnership

• Referral code and link for your use

• Limited marketing assets (if you request approval)

• Accurate product descriptions you can reference

Accurate product descriptions you can reference

• For any branded materials beyond basic text descriptions

• For use of logos, screenshots, or proprietary images

• For content that might create confusion about official endorsement

Intellectual Property Violations:

For content that might create confusion about official endorsement

• Cease and desist notice

• Removal of infringing materials

• Termination from Referral Program

• Legal action for trademark infringement (if necessary)

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LIMITATION OF LIABILITY

LIMITATION OF LIABILITY

Program-Related Losses:

• Lost commissions due to technical errors (beyond reasonable crediting corrections)

• Changes to commission structure or program terms

• Program suspension or termination

• Referred user cancellations or refunds

• Stripe payment processing issues

Tax Liabilities:

• Your tax obligations on commission income

• Penalties for failure to report income

• Tax advice or preparation

Third-Party Issues:

• Stripe account issues or verification problems

• Bank transfer failures

• Chargeback or fraud by referred users

• Payment processor fees

Consequential Damages:

• Lost income or business opportunities

• Reputational harm

• Indirect, incidental, or consequential damages

• Punitive damages

Maximum Liability:

• Our total liability for Referral Program claims is limited to the total commissions you earned in the 12 months preceding the claim

• For users who have earned less than $100, maximum liability is $100

For users who have earned less than $100, maximum liability is $100

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MODIFICATIONS TO TERMS

MODIFICATIONS TO TERMS

Notice of Modifications:

• Material changes: 30 days' advance notice via email

• Minor changes: Posted on legal documents page with effective date

• Continued participation after effective date constitutes acceptance

Your Options:

• Accept changes and continue participation

• Withdraw from Program if you disagree

• Withdraw available balance before termination

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GOVERNING LAW AND DISPUTES

Governing Law:

These Referral Terms shall be governed by and construed in accordance with the laws of the State of Florida, USA, without regard to its conflict of law provisions.

Dispute Resolution:

Any disputes arising out of or relating to these Referral Terms shall first be attempted to be resolved through good faith negotiation between the parties.

Jurisdiction:

Any legal action or proceeding arising under these Referral Terms shall be brought exclusively in the courts located in Orange County, Florida, and the parties hereby consent to the personal jurisdiction and venue therein.

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CONTACT INFORMATION

Legal Entity:

XPlus Technologies LLC

Mailing Address:

100 East Pine Street, Suite 110
Orlando, FL 32801
United States

Email Contacts:

• General Inquiries: [email protected]

• Referral Program Support: [email protected]

• Legal Matters: [email protected]

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ACKNOWLEDGMENT

ACKNOWLEDGMENT

1. You have read and understood these Referral Terms in their entirety

1. You meet all eligibility requirements

1. You will promote referrals ethically and in compliance with all laws

1. You will make required FTC disclosures when promoting referrals

1. You understand the commission structure and payment terms

1. You accept responsibility for tax reporting and payment

1. You will not engage in fraudulent or prohibited activities

1. You understand the program may be modified or terminated

1. You accept all limitation of liability provisions

1. You agree to withdraw from the Program if you disagree with any terms

You agree to withdraw from the Program if you disagree with any terms

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You agree to withdraw from the Program if you disagree with any terms

You agree to withdraw from the Program if you disagree with any terms

You agree to withdraw from the Program if you disagree with any terms

• Terms of Service

• Privacy Policy

• Withdrawal Policy

• Stripe Connect User Agreement