Service-Disabled Veteran-Owned Small Business

vNetCard™ Affiliate Privacy Notice

Effective Date: April 16, 2026

This Affiliate Privacy Notice (the “Notice”) describes how vNetCard™ (“vNetCard,” “we,” “us,” or “our”) collects, uses, shares, and protects information in connection with the vNetCard™ Affiliate Program and the vNetCard™ Student Affiliate Program (together, the “Affiliate Program”). This Notice supplements the vNetCard™ Privacy Policy. In the event of a conflict between the Privacy Policy and this Notice with respect to Affiliate Program activities, this Notice controls.

1. Information We Collect from Affiliates

When you enroll in and participate in the Affiliate Program, we collect the following categories of information:

Identity and contact information: legal name, display name, email address, mailing address, and phone number.
Payout information: payout method and associated account details (e.g., PayPal email address, ACH routing and account numbers, or Stripe Connect account identifiers).
Tax information: U.S. taxpayer identification (via IRS Form W-9) or non-U.S. equivalents (via IRS Form W-8 series), and amounts paid for 1099 reporting.
Account credentials and profile data associated with your Affiliate dashboard.
Student verification data (Student Affiliate Program only): school name, expected graduation date, and proof of current enrollment (e.g., .edu email address, student ID image, or enrollment verification letter).
Marketing and promotional content you submit for review.
Communications with our support and affiliate management team.

2. Referral Tracking, Cookies, and Attribution

When a visitor clicks an Affiliate’s referral link, we and our service providers place tracking cookies and similar technologies on the visitor’s browser to attribute any resulting purchase to the Affiliate. The cookie duration is [INSERT COOKIE DURATION, e.g., 60 days], using a lastclick attribution model unless otherwise stated in the Affiliate dashboard.

Tracking data we collect from referral link clicks and related conversions may include: IP address, approximate geolocation, browser and device information, timestamps, referring URL, the specific referral link or code used, and the resulting purchase (if any). This information is used to measure and pay commissions, to detect fraud, and to analyze program performance.

3. Information About Referred Customers

Information about Referred Customers is collected and processed under the general

vNetCard™ Privacy Policy. Affiliates do not receive personal details about individual Referred Customers except for limited, aggregated or anonymized metrics shown in the Affiliate dashboard (for example, the number of clicks, sign-ups, and commissions attributed to an Affiliate link).

4. How We Use Affiliate Information

We use Affiliate information to:

Enroll, verify, and administer Affiliate accounts, including Student Affiliate status verification.
Track referrals and calculate, validate, and pay commissions.
Process payouts and comply with tax and financial reporting obligations (including IRS Form 1099 reporting).
Communicate with Affiliates about program updates, performance, and compliance.
Detect, prevent, and investigate fraud, attribution manipulation, and violations of the Affiliate Program Agreement.
Improve and secure the Affiliate Program and the Services.

5. How We Share Affiliate Information

We share Affiliate information only as needed to operate the Affiliate Program and as follows:

Service providers that help us run the Affiliate Program, including payment processors and payout providers (e.g., PayPal, Stripe), tracking and attribution vendors, cloud hosting and analytics providers, and tax reporting services.
Professional advisors, including legal, accounting, and tax advisors.
Government authorities and taxing agencies as required by law (for example, filing IRS Form 1099).
In connection with a merger, acquisition, financing, reorganization, or sale of assets, subject to customary confidentiality obligations.

We do not sell Affiliate personal information.

6. Data Retention

We retain Affiliate information for as long as your Affiliate account is active and for a reasonable period thereafter to meet legal, tax, accounting, and audit obligations (generally at least seven (7) years for tax-related records). Tracking and attribution data may be retained longer in aggregated or de-identified form for analytics and fraud-prevention purposes.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect Affiliate information, including payout and tax information. Sensitive payout and tax information is handled by our payment and tax service providers under their security programs. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Your Rights and Choices

Depending on your jurisdiction, you may have rights to access, correct, delete, or port your personal information, and to object to or restrict certain processing. You may update most Affiliate account information directly in your Affiliate dashboard. To exercise other rights, contact us at [email protected]. Note that some information (such as tax and payout records) must be retained to comply with legal obligations.

9. International Transfers

The Affiliate Program is operated from the United States. If you participate from outside the United States, you consent to the transfer and processing of your information in the United States and in the locations of our service providers.

10. Students and Minors

The Student Affiliate Program is intended for current students who are at least 18 years of age (or the age of majority in their jurisdiction). We do not knowingly enroll individuals under the age of majority as Student Affiliates.

11. Changes to This Notice

We may update this Notice from time to time. When we make material changes, we will post the updated Notice and update the Effective Date above. Continued participation in the Affiliate Program after the effective date of a change constitutes acceptance of the updated Notice.