Affiliate Program Terms

These Affiliate Program Terms ("Agreement") govern your participation in the Gated Financials Affiliate Program ("Program"). They form a binding agreement between you ("Affiliate," "you") and Gated Financials ("we," "us," "our"), operated as an individual business in California.

This Agreement is separate and distinct from the Gated Financials Terms of Service that govern the purchase of a membership. Agreeing to this Agreement does not make you a customer, and agreeing to the Terms of Service does not enroll you in the Program.

1. Enrollment and Approval

Acceptance of these terms is an application, not an enrollment. Participation in the Program begins only when we issue you a unique promotional code in writing. We review each application manually and may accept or decline any application for any reason, or for no reason, without explanation.

You must be at least 18 years old. You are responsible for the accuracy of the information you submit, and for keeping your contact and payout details current.

Approved affiliates receive a complimentary membership for the duration of your participation, provided as a promotional code applied to your own subscription. It is a benefit of participation rather than consideration for this Agreement, is personal to you, may not be transferred or resold, and ends when your participation ends. We may withdraw or modify it at any time. Your use of the Service under it remains governed by our customer Terms of Service.

2. Qualifying Sales

A Qualifying Sale is a completed, paid subscription to Gated Financials in which the customer applied your promotional code at checkout, where the payment has cleared, and where the sale has survived the holdback period described in Section 3.

The following are not Qualifying Sales:

• —Subscriptions purchased by you, by a member of your household, or through any account you control
• —Sales that are refunded, charged back, disputed, or reversed for any reason
• —Sales where the code was applied without a genuine referral from your audience
• —Subscriptions that are cancelled before the first payment clears, including trial cancellations
• —Sales generated through any means prohibited by Section 5 or Section 7

3. Commission Structure

You earn a recurring commission of 30% on each Qualifying Sale, calculated on the net subscription revenue we actually receive for that customer. Net revenue means the amount collected after discounts and promotional credits (including the discount your own code applies), refunds, chargebacks, taxes, and payment processing fees.

The same 30% rate applies to the customer's initial payment and to every subsequent renewal payment, for as long as that customer remains continuously subscribed. There is no fixed month cap: if a customer you referred stays subscribed, that referral keeps earning. Retention is determined from our payment processor's records.

Commission rates are set by us and may be adjusted for individual affiliates based on performance, in our sole discretion, up to 45%. Any rate above 30% is discretionary, individually negotiated, confirmed by us in writing, and applies only from the date we confirm it. Nothing in this Agreement entitles you to a rate increase, and reaching any level of sales volume does not qualify you for one automatically.

Commission is calculated per referred customer, not per code redemption. If a customer cancels and later resubscribes using your code, we may in our sole discretion treat the resubscription as a continuation of the original referral rather than as a new one. Where a customer could be attributed to more than one affiliate, we determine attribution in our sole discretion, and our determination is final.

Commission is considered earned only after the sale has remained un-refunded and un-disputed for 30 days. This holdback exists because customers may request refunds within the windows described in our customer Terms of Service; commission is never paid on revenue we return. If a customer is refunded or charges back after commission has been paid, we may deduct that amount from your future commission balance.

Our records control. Commission amounts, qualifying sales, retention, and attribution are calculated from our own and our payment processor's records, and those records are the controlling record in any question about what is owed. We determine in our sole discretion whether a sale qualifies and how commission is calculated. Commission rates, the commission structure, and any other aspect of the Program are subject to change under Section 10.

4. Payment and Payout Schedule

Payouts are made via PayPal, or by another method we designate. You must provide accurate payout details, and any identity or tax information we reasonably request, before any payment can be issued. You are responsible for the accuracy of those details; we are not liable for payments sent to an address or account you gave us incorrectly, and we may charge any recovery cost against your balance. We may change the payout method on notice, and doing so does not require you to re-accept this Agreement.

Payouts are issued monthly, on or about the 15th of the month, covering commissions earned in the prior calendar month that have cleared the holdback period. Payment is subject to a minimum balance of $50; balances below this threshold roll forward and are paid once the threshold is met.

You are responsible for all taxes on amounts you receive. We may be required to collect tax documentation (such as a Form W-9 or W-8BEN) and to report payments to tax authorities. Payment may be withheld until required documentation is provided.

Reversals and negative balances. If a sale is refunded, charged back, disputed, or otherwise reversed after commission on it has been paid to you — including on a renewal payment occurring long after the original sale — we reverse that commission and deduct the corresponding amount from your balance. This applies however much later the reversal occurs.

If the deduction exceeds your current balance, the shortfall is carried forward as a negative balance and is offset against any commission you earn afterwards. A negative balance is not written off because you stop referring, and it survives termination of this Agreement. We may also set off a negative balance against any other amount we owe you.

We may withhold or delay any payout while we review activity for compliance with Sections 2, 5, 6, and 7, and we determine in our sole discretion when that review is complete.

5. Disclosure Obligations

You must clearly and conspicuously disclose your paid relationship with Gated Financials in every post, video, story, stream, email, or other communication in which you promote the Service or use your code.

Disclosure must comply with the U.S. Federal Trade Commission's Endorsement Guides (16 CFR Part 255) and any equivalent law that applies to you. In practice this means:

• —Use a clear tag such as #ad, #sponsored, or "paid partnership" — placed where viewers will actually see it, not buried in a description, a comment, or behind a "more" link
• —Disclose in the content itself, including verbally in video or audio, not only in text
• —Disclose on every post that uses the code, not only the first one
• —Do not rely solely on a platform's built-in disclosure tool

Failure to disclose is a material breach of this Agreement. You are solely responsible for your compliance and for any penalty assessed against you.

6. Content and Claims Restrictions

GATED FINANCIALS IS NOT A REGISTERED INVESTMENT ADVISER, BROKER-DEALER, OR FINANCIAL INSTITUTION, AND THE SERVICE IS NOT FINANCIAL ADVICE. YOUR PROMOTIONAL CONTENT MUST NOT SUGGEST OTHERWISE.

You must not, in any content promoting the Service:

• —Present the Service, or anything derived from it, as financial, investment, trading, tax, or legal advice
• —Guarantee, promise, or imply any return, profit, income, or performance outcome
• —State or imply that the Service is risk-free, or omit that options trading involves substantial risk of loss
• —Publish fabricated, cherry-picked, or unverifiable performance results, screenshots, or track records
• —Misrepresent what the Service does, what data it uses, its pricing, or its accuracy
• —Describe yourself as an employee, partner, agent, or representative of Gated Financials
• —Use our name or branding in a domain, account handle, or ad account in a way that implies you are us
• —Bid on Gated Financials brand terms in paid search, or run ads that impersonate our official channels
• —Promote the Service through spam, unsolicited email or messaging, or any deceptive placement
• —Distribute the code alongside adult, hateful, harassing, or otherwise unlawful content

We may require you to remove or amend any content that breaches this Section, and you agree to do so promptly on written notice.

7. Fraud and Invalid Activity

We reserve the right to withhold, reverse, or reclaim payment for any redemption we reasonably determine to be fraudulent, incentivized, self-referred, or bot-driven.

This includes, without limitation:

• —Redemptions from accounts you own or control, or arranged to route commission back to you
• —Offering cash, rebates, or other inducements in exchange for using your code
• —Automated, scripted, or bot-generated signups, and signups using disposable or synthetic identities
• —Coordinated signup-and-refund cycles, or any pattern designed to generate commission without genuine customers
• —Cookie stuffing, forced clicks, unauthorized redirects, or any technical means of falsely attributing a sale
• —Publishing or syndicating your code to coupon aggregators, deal sites, or any channel that captures purchase intent you did not create

We make this determination in our reasonable discretion based on the data available to us. Where practical we will explain the basis for a withheld payment, but we are not obliged to disclose fraud-detection methods. Suspected fraud may result in immediate termination under Section 9 and forfeiture of unpaid balances.

8. Independent Contractor Status

You are an independent contractor. Nothing in this Agreement creates an employment, partnership, joint venture, franchise, or agency relationship between you and Gated Financials.

You control the manner, method, timing, and content of your promotional activity. We do not set your hours, direct your work, or require any minimum level of activity. You supply your own equipment and bear your own costs. You are free to promote other products, including competing ones, subject only to Sections 5, 6, and 7.

You receive no wages, benefits, insurance, expense reimbursement, or worker's compensation. You have no authority to bind Gated Financials, to enter agreements on our behalf, or to make representations on our behalf. You are responsible for your own taxes, including self-employment tax, and no amounts are withheld from your payouts.

9. Term and Termination

Either party may terminate this Agreement at any time, for any reason or for no reason, with or without notice, without liability for doing so. We may also deactivate or reissue your promotional code, suspend your participation, or suspend payouts pending review, at any time and without terminating this Agreement. Participation in the Program is a revocable privilege, not an entitlement, and nothing in this Agreement gives you any vested right to continued participation, to a particular commission rate, or to the Program continuing to exist. We may discontinue the Program entirely at any time.

If this Agreement is terminated, commissions you have already earned before termination — meaning commissions that have cleared the 30-day holdback and are not subject to the exception below — remain payable on the normal schedule described in Section 4. Termination alone does not forfeit earned commission.

The exception is termination for breach of Section 5, 6, or 7. Where we terminate because of fraud, invalid activity, undisclosed promotion, or prohibited claims, we may withhold unpaid balances attributable to that conduct, and we determine in our sole discretion which balances are so attributable.

On termination you must stop using your code, stop using our name and branding, and remove or update active promotional content on reasonable request. Sales occurring after termination earn no commission, and recurring commission on previously referred customers ceases on the termination date. Sections 6 through 13 survive termination.

10. Changes to the Program

We may modify these terms, the commission rate, the commission structure, the basis on which commission is calculated, the duration for which recurring commission is paid, or any other aspect of the Program at any time, in our sole discretion and without individual notice to you. This includes introducing a cap on how long recurring commission is paid. Changes are published on this page with an updated version identifier and "Last updated" date, and it is your responsibility to review them.

Changes apply prospectively, to commission accruing after the change takes effect. They do not retroactively alter commission already earned. Continued participation after a change takes effect constitutes acceptance of the revised terms. If you do not accept a change, your remedy is to terminate under Section 9.

11. Intellectual Property

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Gated Financials name and logos solely to promote the Service under this Agreement, in the form we provide and without alteration. This license ends automatically on termination.

All rights in the Service, its content, its data, and its branding remain ours. Your access to the Service as an Affiliate does not grant any right to redistribute signals, data, or content, which remains governed by our customer Terms of Service.

12. Disclaimer, Liability, and Indemnification

THE PROGRAM IS PROVIDED "AS IS." WE DO NOT WARRANT ANY LEVEL OF EARNINGS, TRAFFIC, CONVERSION, OR CODE AVAILABILITY. TRACKING AND ATTRIBUTION DEPEND ON THIRD-PARTY SYSTEMS AND MAY BE INCOMPLETE OR DELAYED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY UNDER THIS AGREEMENT SHALL NOT EXCEED THE TOTAL COMMISSION PAID TO YOU IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR LOST EARNING OPPORTUNITY.

You agree to indemnify and hold harmless Gated Financials from any claim, damage, loss, penalty, or expense (including legal fees) arising from your promotional content, your failure to disclose under Section 5, your breach of Section 6 or 7, or your violation of any law or third-party right.

13. Governing Law

This Agreement is governed by the laws of the State of California, without regard to conflict of law principles. Any dispute arising under this Agreement shall be resolved exclusively in the state or federal courts located in California, and both parties consent to that jurisdiction.

14. General

Final determination. Where this Agreement provides for a decision, calculation, interpretation, or determination by us — including whether a sale qualifies, how commission is calculated, how a customer is attributed, whether conduct breaches Sections 5 through 7, and whether to approve, suspend, or terminate participation — that determination is made in our sole discretion and is final. This does not waive any right you have under applicable law that cannot be waived by agreement.

This Agreement is the entire agreement between the parties regarding the Program and supersedes any prior discussion, including any statement made on the Program landing page or in correspondence. Where the landing page and this Agreement differ, this Agreement controls. No modification is binding on us unless we confirm it in writing. You may not assign it without our written consent; we may assign it freely. If any provision is held unenforceable, the remainder stays in force. Our failure to enforce a provision is not a waiver of it.

Questions about the Program: gatedfinancials@gmail.com