Service-Disabled Veteran-Owned Small Business

vNetCard™ Affiliate Program Agreement

Effective Date: April 15, 2026 Last Updated: April 15, 2026

This Affiliate Program Agreement (the “Agreement”) is a legally binding contract between you (“Affiliate,” “you,” or “your”) and vNetCard™ LLC, a Florida limited liability company (“vNetCard,” “Company,” “we,” “us,” or “our”), governing your participation in the vNetCard™ Affiliate Program (the “Program”).

By applying to, accepting, or otherwise participating in the Program, you agree to this

Agreement, our Terms of Service, and our Privacy Policy.

1. Eligibility

To participate, you must:

Be at least 18 years of age;
Be a resident of the United States, excluding the State of California;
Have the legal capacity to enter into a binding contract;
Maintain an active tax ID (SSN or EIN) and provide a completed IRS Form W-9;
Comply with all applicable federal, state, and local laws, including the FTC
Endorsement Guides (16 CFR Part 255).

We may approve or reject any applicant at our sole discretion.

2. Independent Contractor Relationship

You are an independent contractor. Nothing in this Agreement creates an employment,

partnership, joint venture, agency, or franchise relationship between you and vNetCard™

LLC. You are solely responsible for:

Your own business expenses;
All federal, state, and local taxes on commissions earned;
Any required business licenses or registrations;
Your own insurance.

You have no authority to bind vNetCard™ LLC or make representations on our behalf

outside approved marketing materials.

3. Commissions and Payment

3.1 Commission Rate

You will earn a twenty percent (20%) commission on qualifying recurring monthly

subscription payments generated by customers you refer (“Referred Customers”), for as

long as the Referred Customer maintains an active paid subscription and you remain an

affiliate in good standing.

3.2 Qualifying Sales

A qualifying sale is a new paid monthly vNetCard™ subscription purchased through your

tracked affiliate link by a customer who is a U.S. resident (excluding California) and not a

vNetCard™ employee, contractor, current customer, or household member.

3.3 Non-Qualifying Sales (No Commission Paid)

No commission is paid on:

Team member vNetCards or additional seats added to an existing account;
Annual or one-time purchases (commissions apply to monthly recurring only);
Upgrades, add-ons, or done-for-you custom services;
Taxes, shipping, or third-party fees;
Sales that are refunded, charged back, or reversed for any reason;
Self-referrals or referrals of immediate family members;
Sales generated through prohibited promotion methods (Section 5).

3.4 Cookie Attribution

Your tracked affiliate link is attributed using a 365-day cookie window. The first affiliate

whose link a prospective customer clicks will be credited with the sale, provided the sale

occurs within 365 days of the click and no subsequent affiliate link overrides it. In the event of a conflict, we reserve the right to determine final attribution in our sole discretion.

3.5 Payment Terms

Commissions are paid Net 30 from the end of the calendar month in which the
qualifying payment was received.
Minimum payout threshold: $50.00. Balances below $50 will roll over until the
threshold is met.
Payments are issued via the method you designate at enrollment (e.g., Stripe Connect, PayPal, ACH, or GHL affiliate payouts).
You are responsible for providing accurate payment information. We are not liable for payment failures caused by incorrect information.

3.6 Clawbacks and Chargebacks

If a Referred Customer cancels, charges back, issues a disputed payment, or requests a

refund (in the rare case we issue one), the corresponding commission will be reversed. We may deduct reversed commissions from future payouts or invoice you for the difference.

3.7 Tax Forms

If you earn $600 or more in a calendar year, we will issue an IRS Form 1099-NEC to the

mailing address on file. You must provide a completed W-9 before your first payout.

4. Your Obligations and FTC Compliance

4.1 Mandatory Disclosure

You must clearly and conspicuously disclose your material connection to vNetCard™ LLC in every promotion of the Program, as required by the FTC Endorsement Guides. Acceptable disclosures include:

“I earn a commission when you sign up through my link.”
“#ad” or “#affiliate” placed visibly at the beginning of social posts.
“Affiliate Disclosure” sections on websites and landing pages.

Vague disclosures (e.g., “#sp,” “#partner” alone, or disclosures hidden behind a “more”

link) are not acceptable.

4.2 Truthful Marketing

You must use only truthful, accurate, and non-misleading claims about vNetCard™. You

may not:

Make claims about features, performance, results, or pricing that are not substantiated by vNetCard™-provided materials;
Guarantee specific income, growth, or customer outcomes;
Imply endorsement by any government agency, celebrity, or third party that has not endorsed us;
Use testimonials that are not genuine.

4.3 Brand Usage

You may use the vNetCard™, vNetCRM™, and vNetAI™ names and approved logos solely to promote the Program, in accordance with any brand guidelines we provide. You may not:

Alter our logos or trademarks;
Register domain names, social handles, or business names that incorporate our trademarks;
Use our trademarks in paid search bidding (see Section 5.1);
Claim ownership of any part of our intellectual property

5. Prohibited Promotion Methods

You may not promote the Program through any of the following methods. Violation is

grounds for immediate termination, forfeiture of unpaid commissions, and legal action.

5.1 Paid Search and Trademark Bidding

Bidding on vNetCard™, vNetCRM™, vNetAI™, or any misspelling or variation on Google Ads, Bing, Meta, or any other ad platform;
Display URLs containing “vnetcard” or similar;
Running ads that impersonate or appear to originate from vNetCard™ LLC.

5.2 Spam and Unsolicited Messaging

Sending unsolicited email (CAN-SPAM violation);
Sending unsolicited SMS (TCPA violation);
Posting on forums, social groups, or comment threads in violation of their terms;
Purchased email lists or bulk messaging platforms.

5.3 Deceptive Practices

Fake news sites or fake scarcity claims;
Cookie stuffing, pixel hijacking, or forced-click mechanisms;
Toolbar, adware, spyware, or browser-extension based promotion;
Incentivized clicks, paid-to-click (PTC) sites, or cashback networks not pre-approved in writing;
Coupon, discount, or deal sites (unless pre-approved).

5.4 Off-Brand Content

Adult, illegal, hateful, defamatory, violent, or otherwise harmful content;
Content that infringes third-party rights;
Content that disparages vNetCard™ LLC or our affiliates, partners, or customers.

5.5 Self-Dealing

Using your own affiliate link to purchase for yourself or your business;
Purchasing through a family member, spouse, or employee;
Creating fraudulent customer accounts to generate commissions.

6. Compliance and Audit

We may monitor, audit, and investigate your promotion methods and traffic sources at any time. You agree to cooperate with audits and provide requested information within five (5) business days. Failure to cooperate is grounds for termination.

7. Confidentiality

You may receive non-public information in connection with the Program (commission

reports, performance data, internal materials). You agree to:

Keep such information confidential;
Use it solely for the purpose of participating in the Program;
Return or destroy it upon termination.

Confidentiality obligations survive termination for three (3) years.

8. Term and Termination

8.1 Term

This Agreement begins when you are approved and continues until terminated.

8.2 Termination for Convenience

Either party may terminate this Agreement at any time for any reason by providing notice. You may terminate by emailing [email protected] (or [email protected] until an affiliate email is established). We may terminate by deactivating your affiliate account.

8.3 Termination for Cause

We may immediately terminate this Agreement and forfeit any unpaid commissions for

material breach, including violation of Section 4 or 5, fraud, trademark misuse, or any

action that harms our brand or business.

8.4 Effect of Termination

Upon termination:

Your license to use our trademarks and marketing materials ends immediately;
You must remove all affiliate links and references to our Program within seven (7) days;
Commissions earned before termination and not subject to forfeiture will be paid in the next scheduled payout;
Sections that by their nature should survive (including 2, 3.6, 3.7, 6, 7, 9, 10, 11, 12, and 13) will survive.

9. Disclaimer of Warranties

The program is provided “as is.” We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee any minimum earnings, referrals, or program availability.

10. Limitation of Liability

To the fullest extent permitted by law, our total liability for claims arising from or related to this agreement shall not exceed the total commissions paid to you in the six (6) months preceding the claim. We are not liable for indirect, incidental, consequential, special, or punitive damages.

11. Indemnification

You agree to indemnify, defend, and hold harmless vNetCard™ LLC and its affiliates,

officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from: (a) your participation in the Program; (b) your violation of this Agreement; (c) your promotion methods or content; or (d) your violation of any law or third-party right.

12. Governing Law and Dispute Resolution

This Agreement is governed by the laws of the State of Florida. The dispute resolution provisions of our Terms of Service, including the thirty (30) day informal dispute resolution requirement, binding arbitration, class action waiver, and jury trial waiver, apply to this Agreement and are incorporated by reference.