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vNetCard™ Student Affiliate Program Agreement

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

This Student Affiliate Program Agreement (the “Agreement”) is a legally binding contract

between you (“Student Affiliate,” “you,” or “your”) and vNetCard™ LLC, a Florida limited

liability company (“vNetCard,” “Company,” “we,” “us,” or “our”), governing your

participation in the vNetCard™ Student Affiliate Program (the “Student Program”).

The Student Program is a distinct affiliate track designed for college and university

students in the United States. It operates separately from, and in addition to, our general

Affiliate Program.

By applying to, accepting, or otherwise participating in the Student Program, you agree to this Agreement, our Terms of Service, and our Privacy Policy.

1. Eligibility

To participate in the Student Program, you must:

  • Be at least 18 years of age (no exceptions — minors are not eligible);

  • Be a current, actively enrolled student at an accredited U.S. college or university;

  • Be a resident of the United States, excluding the State of California;

  • Have the legal capacity to enter into a binding contract;

  • Provide valid proof of enrollment (e.g., .edu email, student ID, or enrollment verification);

  • Have a U.S. Social Security Number or Individual Taxpayer Identification Number (ITIN) for tax reporting;

  • Comply with the FTC Endorsement Guides (16 CFR Part 255), the CAN-SPAM Act, and the Telephone Consumer Protection Act (TCPA);

  • Comply with your institution’s policies regarding student business activities, endorsements, and use of school resources.

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

2. Independent Contractor Relationship

You are an independent contractor, not an employee, agent, partner, or representative of vNetCard™ LLC. You are solely responsible for:

  • Your own business expenses;

  • All federal, state, and local taxes on commissions earned;

  • Verifying that your participation does not violate your school’s code of conduct, financial aid terms, scholarship conditions, visa terms, or any employment or athletic restrictions;

  • Your own decisions about how, when, and where to promote.

The Student Program does not create a work-study, internship, employment, or schoolsanctioned relationship.

3. Institutional and NIL Compliance

3.1 No Use of School Resources Without Permission

Unless your school’s administration has approved in writing, you may not:

  • Use your school’s name, logo, mascot, colors, or trademarks;

  • Use school-owned email accounts for commercial promotion beyond your .edu address for enrollment verification;

  • Promote the Student Program through school-owned websites, LMS portals, learning platforms, official student organizations, or classroom time;

  • Distribute materials on campus in violation of your school’s posting or solicitation rules;

  • Use faculty, staff, or administrator endorsements.

3.2 Student-Athlete / NIL Notice

If you are a student-athlete subject to NCAA, NAIA, or institutional Name/Image/Likeness

(NIL) regulations, you are solely responsible for determining whether your participation is

permitted and for obtaining any required disclosures, approvals, or contracts. vNetCard™ LLC does not provide NIL advice or compliance services. Nothing in this Agreement authorizes use of any school, conference, or athletic trademarks or insignia.

3.3 International Students

If you are on a student visa (F-1, J-1, etc.), affiliate earnings may or may not be permitted

depending on your visa status and the classification of such income. You are responsible for consulting your school’s international student office and/or legal counsel before participating. vNetCard™ LLC makes no representation about your eligibility to earn commissions under your visa.

3.4 Scholarship and Financial Aid

Affiliate income may impact merit aid, need-based aid, or scholarships. You are responsible for determining and disclosing any income to your school’s financial aid office as required.

4. Commissions and Payment

4.1 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 a

Student Affiliate in good standing.

4.2 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.

4.3 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;

  • Upgrades, add-ons, or done-for-you custom services;

  • Taxes, shipping, or third-party fees;

  • Sales refunded, charged back, or reversed;

  • Self-referrals, referrals of immediate family, roommates, or anyone residing at the same address;

  • Sales generated through prohibited methods (Section 6).

4.4 Cookie Attribution

Your tracked affiliate link is attributed using a 365-day cookie window, subject to our sole discretion in the event of attribution conflicts.

4.5 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 roll over until the threshold is met.

  • Payouts are made via the method designated at enrollment (Stripe Connect, PayPal, ACH, or GHL affiliate payouts)

4.6 Clawbacks and Chargebacks

Reversed, refunded, or charged-back sales will result in corresponding commission

reversals. We may deduct reversed commissions from future payouts.

4.7 Tax Forms

If you earn $600 or more in a calendar year, we will issue an IRS Form 1099-NEC. You must provide a completed W-9 (or W-8BEN if applicable) before your first payout.

5. Your Obligations and FTC Compliance

5.1 Mandatory Disclosure

You must clearly and conspicuously disclose your material connection to vNetCard™ LLC in every promotion, consistent with the FTC Endorsement Guides. Acceptable disclosures include “#ad,” “#affiliate,” or “I earn a commission when you sign up through my link,” placed visibly at the start of social posts or within website content.

5.2 Truthful Marketing

Use only truthful, non-misleading claims. Do not guarantee specific income, networking

outcomes, career results, or business growth. Do not imply endorsement by any school,

faculty member, public figure, or third party that has not endorsed us.

5.3 Peer-to-Peer Promotion

Promotion to fellow students via personal social media accounts, word-of-mouth, dorm

conversations, and student group events (off-campus or with permission) is permitted

with clear disclosure.

5.4 Brand Usage

You may use the vNetCard™, vNetCRM™, and vNetAI™ names and approved logos solely to promote the Student Program, in accordance with any brand guidelines we provide. You may not alter logos, register domains or handles using our marks, or claim ownership.

6. Prohibited Promotion Methods

You may not promote the Student Program through any of the following:

6.1 Paid Advertising Restrictions

  • Bidding on vNetCard™, vNetCRM™, vNetAI™, or any variation on any ad platform;

  • Running ads that appear to originate from vNetCard™ LLC.

6.2 Spam and Harassment

  • Unsolicited email (CAN-SPAM violation);

  • Unsolicited SMS (TCPA violation);

  • Mass messaging through school email systems, LMS chat, or Greek life listservs without consent;

  • Posting in student forums or Discord servers in violation of their rules.

6.3 Deceptive Practices

  • Cookie stuffing, pixel hijacking, forced clicks;

  • Fake reviews or fabricated testimonials;

  • Impersonating other students, faculty, or vNetCard staff;

  • Creating fake student accounts to generate commissions.

6.4 Off-Brand or Inappropriate Content

  • Adult, hateful, violent, hazing-related, or illegal content;

  • Content involving minors;

  • Content that violates your school’s code of conduct.

6.5 Self-Dealing

  • Self-referrals, family referrals, or roommate referrals;

  • Fraudulent accounts.

Violations are grounds for immediate termination and forfeiture of unpaid commissions.

7. Compliance and Audit

We may audit your promotional methods at any time. You agree to cooperate and provide requested documentation within five (5) business days.

8. Confidentiality

Non-public Program information (commission data, performance stats, internal materials) is confidential. You may not share it with third parties, other affiliates, or your school except as required by law. Confidentiality obligations survive termination for three (3) years.

9. Term and Termination

9.1 Term

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

9.2 Termination for Convenience

Either party may terminate at any time for any reason. You may terminate by emailing

[email protected]. We may terminate by deactivating your account.

9.3 Termination for Cause

We may immediately terminate and forfeit unpaid commissions for material breach, fraud, trademark misuse, or activity harmful to our brand or any student community.

9.4 Graduation

Upon graduation or withdrawal from school, you may transition to the general vNetCard™ Affiliate Program by notifying us and accepting that Agreement. Otherwise, this Agreement terminates on the earlier of (a) thirty (30) days after your enrollment ends or (b) expiration of your Student Program eligibility verification.

9.5 Effect of Termination

Your license to use our marks ends immediately. You must remove all affiliate links and

references within seven (7) days. Commissions earned and not subject to forfeiture are

paid on the next scheduled cycle. Sections that by their nature should survive will survive

termination.

10. Disclaimer of Warranties

THE STUDENT PROGRAM IS PROVIDED “AS IS.” WE DISCLAIM ALL WARRANTIES,

EXPRESS OR IMPLIED. WE DO NOT GUARANTEE MINIMUM EARNINGS, REFERRALS, OR

AVAILABILITY.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR CLAIMS

ARISING FROM THIS AGREEMENT SHALL NOT EXCEED THE COMMISSIONS PAID TO YOU

IN THE PRECEDING SIX (6) MONTHS. WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL,

CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES.

12. Indemnification

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

officers, directors, employees, and agents from any claims arising from: (a) your

participation; (b) your violation of this Agreement or your school’s policies; (c) your

promotional content; (d) NIL or visa-related issues; or (e) your violation of any law or

third-party right.

13. 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 administered by the AAA, class action waiver,

and jury trial waiver — apply to this Agreement and are incorporated by reference.

14. General Provisions

14.1 Modifications

We may update this Agreement by posting a revised version. Material changes will be

communicated by email at least thirty (30) days in advance.

14.2 Entire Agreement

This Agreement, together with our Terms of Service and Privacy Policy, is the entire

agreement regarding the Student Program.

14.3 Assignment

You may not assign this Agreement. We may assign at any time.

14.4 Severability

If any provision is unenforceable, the rest remains in force.

14.5 Notices

vNetCard™ LLC Attn: Student Affiliate Program 7901 4th St N STE 300 St. Petersburg, FL

33702 Email: [email protected]

© 2026 vNetCard™ LLC. All Rights Reserved. vNetCard™, vNetCRM™, and vNetAI™ are

trademarks of vNetCard™ LLC.