Sub-Affiliate Terms & Conditions

Please take the time to read the following terms and conditions for FinlyWealth's sub-affiliate program. By applying for or participating in the FinlyWealth sub-affiliate program, you agree to all of these terms and conditions. Violation of any of these terms and conditions subjects you to immediate removal from the FinlyWealth sub-affiliate program and forfeiture of all program commissions and payments. You are responsible as a sub-affiliate to ensure compliance for yourself (as an individual or entity, as applicable) and your personnel and contractors, including any sub-publishers or sub-affiliates, if any, participating in the Program through you who have not separately applied to participate in FinlyWealth's program on their own behalf. If you have any questions or concerns regarding our terms and conditions please feel free to contact us.

1. Definitions

(a) "We", "us" and "our" refers to FINLY TECHNOLOGY CORP, finlywealth.com and its affiliates and other brands, if any. FinlyWealth may delegate some of its Program responsibilities to an agency or other contractor, and in those circumstances, "we" and its associated pronouns include such agency or contractor. (b) "You" or "your" refers to the person or entity that wishes to participate in FinlyWealth's sub-affiliate program, on behalf of itself, its affiliated entities, and its and their employees, agents, officers, directors, shareholders, members, principals, partners, and contractors, including any sub-publishers or sub-affiliates participating in the Program through you who have not separately applied to participate in the Program on their own behalf and separately entered into these Terms with us. (c) "Our website" refers to the FinlyWealth website at www.finlywealth.com. (d) "Your website" refers to any website(s) that you link to our website. (e) "Program" refers to the FinlyWealth sub-affiliate program that is the subject of these Terms. (f) "Terms" means these FinlyWealth Sub-Affiliate Terms and Conditions, including any rules, policies, requirements, and other agreements referred to in them.

2. Application Process; Your Responsibility

Once you submit your application to participate in the Program, we'll review it in a timely manner and follow up with you. After our review you will receive a notification of acceptance or rejection into our Program. Please include all the websites you'll be using and any other information that may be useful in the review process. We may accept or reject applications for any reason, at our discretion. However, if for any reason you feel like we made an error in reviewing your application, please contact us with your concerns. The person or entity who submits an application to participate in the Program and/or who is agreeing to these Terms is responsible for compliance with these Terms, and liable for any breach of these Terms, by itself, by its affiliated entities, and by its and their respective employees, agents, officers, directors, shareholders, members, principals, partners, and contractors, including any sub-publishers or sub-affiliates participating in the Program through you who have not separately applied to participate in the Program on their own behalf and separately agreed to these Terms with us. The person or entity who is agreeing to these Terms as part of the process of joining the Program is responsible for flowing down all applicable Terms to all individuals or entities operating under him, her, or it, and contractually requiring all such individuals or entities to agree to all such Terms.

3. Affiliate Commissions

As a participant in the Program, you become eligible for commissions on sales through your affiliate links at the rates set forth in the Program website. You acknowledge that FinlyWealth itself earns commissions as an affiliate of third-party financial institutions, and that the commissions paid to you under this Program are derived from those upstream commissions. Accordingly, your commissions are contingent on FinlyWealth actually receiving and retaining the corresponding upstream commission from the applicable financial institution. If an upstream commission is reversed, clawed back, or not paid to FinlyWealth for any reason, the corresponding commission payable to you may be adjusted or reversed as set out in Section 9.

3.1 Attribution and Tracking

Commissions are awarded on a last-click attribution basis, subject to a 30-day cookie window from the time a user clicks your affiliate link. If a user clicks a different affiliate's link after yours and before converting, the later click takes precedence. We reserve the right to adjust the attribution model or cookie window with reasonable notice posted on the Program website. Tracking is based on our systems of record, which are conclusive for purposes of determining commission eligibility absent manifest error.

3.2 Payment Terms

(a) Payment schedule. Commissions are paid on a monthly or bi-weekly basis at our discretion, depending on the volume of commissions accumulated and our then-current payment practices. Payments are issued after any applicable return, cancellation, or clawback window has elapsed and after FinlyWealth has received the corresponding upstream commission from the applicable financial institution.

(b) Minimum payout threshold. We may establish a minimum balance that must accrue before payment is issued, as communicated through the Program interface. Balances below the threshold roll forward to subsequent periods.

(c) Payment method and currency. Payments are issued in Canadian dollars (CAD) via the payment methods made available through the Program interface, unless we agree otherwise in writing. You are responsible for any fees charged by your payment provider or financial institution.

(d) Tax documentation. You are responsible for providing accurate and current tax information as required by Canadian law, including a valid GST/HST or QST registration number where applicable. We may withhold payment until valid tax information is on file. You are solely responsible for all taxes owed on commissions earned, including income tax and any applicable sales taxes.

(e) Unpaid balances on termination. If these Terms are terminated by you or by us without cause, any earned and finalized commissions above the minimum payout threshold will be paid in the next regular payment cycle. If we terminate for your breach of these Terms, unpaid commissions may be forfeited as set out elsewhere in these Terms.

(f) Disputes. You must notify us in writing of any dispute regarding a commission payment within 60 days of the payment date (or the date the commission should have been paid). Claims not raised within this window are waived.

4. PPC Guidelines

If you engage in any pay-per-click marketing in connection with the Program, you may not do any of the following:

(a) Bid on or attempt to register any of our trademarks, names, or URLs for any of our brands or areas of business, including any variations, misspellings, or confusingly similar marks, names, or URLs. FinlyWealth will monitor major Canadian search engines for any potential violations of this policy.

(b) Use our domain name (www.finlywealth.com or any misspelled variations) as your 'display' URL in any 'online paid search' or 'paid inclusion' advertising.

(c) Direct link to our website from any Pay Per Click ad or use redirects that yield the same result. Ad links must be directed to an actual page on your website.

(d) Use our names, trademarks, or branded terms in sequence with any other keyword (e.g., FinlyWealth Coupons). You are responsible as a sub-affiliate to ensure that all of your PPC campaigns comply with our guidelines even if they are automated. If we find you have violated any of our policies, we'll immediately revoke all commissions within the past 30 days, and your commission level will be set to 0% without notice.

5. Use of Our Brand

You are permitted to use the FinlyWealth name and brand in your organic promotional content (e.g., blog posts, social media posts, videos, newsletters) to describe, review, or refer users to FinlyWealth, provided that:

(a) You do not register or use our trademarks, names, or brand terms in your own domain names, sub-domains, or URLs. This restriction does not apply to a FinlyWealth-branded sub-domain (e.g., yourname.finlywealth.com) that we have expressly provisioned to you through the Program. Any such sub-domain remains our property, is licensed to you on a non-exclusive, revocable basis solely for use in connection with the Program, and must be returned or relinquished upon termination of these Terms or upon our written request.

(b) You do not use our brand in a manner that suggests you are FinlyWealth, are employed by FinlyWealth, or are an official representative of FinlyWealth beyond your role as an independent sub-affiliate.

(c) You do not modify our logos or brand assets, and you use them in accordance with any brand guidelines we provide.

(d) You do not use our brand in any content that would violate Section 8 (Website and Other Publications) or Section 17 (Content and Advertising Compliance Requirements).

(e) Paid advertising remains subject to the restrictions in Section 4 (PPC Guidelines) and Section 17(e).

We may revoke permission to use our brand — including any FinlyWealth-provisioned sub-domain — at any time, in which case you must remove or update the affected content, and cease using the sub-domain, within a reasonable time after we notify you.

6. Email Guidelines

If you promote us via email, you must comply with the following email requirements:

(a) You must comply with Canada's Anti-Spam Legislation (CASL) and any other applicable anti-spam laws in the jurisdictions where recipients are located, each as may be amended, with respect to all emails in connection with the Program. This includes obtaining valid consent, providing clear sender identification, and including a functioning unsubscribe mechanism.

(b) Email must be sent on your behalf and must not imply that the email is being sent from or on behalf of FinlyWealth.

7. Linking Guidelines

Once your application for the Program has been approved, links will be available to you through the Program interface provided by us. You are only allowed to use the links provided to you through the Program interface. You agree to all of the following.

(a) You will use only the linking code obtained from the Program interface without altering the code in any way.

(b) You will list all domains that you are using in your Program sub-affiliate profile. If you are using a website that is not listed, you must contact us immediately and inform us.

(c) You will not try to manipulate, copy, or imitate our website in any shape or form. This means your website will not in any way resemble ours, have a look and feel similar to ours, or create an impression that your website is part of or related to ours.

(d) You will not participate in pop-ups or cookie stuffing or use misleading links. Also, you will not attempt to mask referring url information.

(e) You will not use redirects to give a false appearance (e.g., bouncing clicks off a domain from which the click did not originate). If you redirect links to manipulate or hide their original source or otherwise violate these linking guidelines, your current and past commissions will be canceled and your commission level may be set to 0% without notice. This does not include using "out" redirects from the same domain where the affiliate link is placed. If you have questions regarding any of these linking requirements, please contact us.

8. Website and Other Publications; Takedown Requests

You will not publish, create, print, or distribute any statement, content, or material on your website(s), in your social media, in email, or otherwise, that:

(a) Infringes or misappropriates our or any other person's or entity's intellectual property, publicity, privacy, or other rights.

(b) Is false, misleading, libelous, defamatory, or hateful.

(c) Violates any applicable law, rule, regulation, or other governmental order or requirement.

(d) Is threatening, harassing, obscene, harmful to minors, or that contains nudity, pornography, or sexually explicit materials.

(e) Contains any viruses, Trojan horses, worms, time bombs, cancel bots, or other code intended to damage, interfere with, or surreptitiously intercept or collect data or personal information.

(f) Contains software or uses technology that attempts to intercept, divert, or redirect Internet traffic to or from any other website, or that potentially enables the diversion of affiliate commissions from another website.

If we believe you have not complied with this Section in any way, we may request that you remove the statement, content, or material that causes the violation(s), and you must comply with all such requests within no more than 48 hours.

9. Reversals

We reserve the right to reverse orders and commissions due to order cancellations, duplicate tracking, returns, disputed charges, blacklisted codes, orders tied to our partner sales teams, Program violations (including any breach of Section 18), and clawbacks or reversals of the corresponding upstream commission by the applicable financial institution.

10. Term and Termination

These Terms are effective as of the date FinlyWealth notifies you that FinlyWealth has accepted you as a sub-affiliate in the Program and may be terminated by either party at any time, with or without cause, by giving the other party written notice of termination. In addition, if you violate any of the Terms, we may immediately terminate these Terms and remove you from the Program with no further obligation to pay commissions or other amounts. In addition, if we have any reason to suspect a violation of these Terms by you, we may reach out to you for information or explanation, and we expect a full, timely, and forthcoming response from you. If you are unresponsive, not forthcoming, or cannot adequately address our concerns (e.g., to substantiate or validate the source of the traffic or orders), we will either (a) terminate these terms and remove you from the Program or (b) set your commission to 0% and suspend you from the Program.

11. Compliance with Canadian Laws and Disclosure of Material Connection

When sharing the links, Canadian laws, including without limitation the Competition Act and the Canadian Code of Advertising Standards, should be followed. For more information, visit the Competition Bureau's website at www.competitionbureau.gc.ca.

Disclosure of material connection. You must clearly and conspicuously disclose your material connection to FinlyWealth (i.e., that you earn a commission or other compensation) in every piece of content that contains an affiliate link or promotes the Program, in a manner that complies with the Competition Bureau of Canada's Deceptive Marketing Practices guidance on influencer marketing and any other applicable disclosure laws. Disclosures must be:

(a) placed prominently, before or alongside the affiliate link or endorsement, and not buried in footers, "about" pages, or behind additional clicks; (b) written in plain language that the average reader will understand (e.g., "#ad," "affiliate link," "I earn a commission if you apply through this link"); and

(c) clearly legible or audible in the medium where the content appears (including video, audio, and social media).

Hashtag-only disclosures (e.g., "#sp" or "#collab") without an accompanying plain-language statement do not satisfy this requirement.

12. Compliance with Laws

You represent and warrant that (a) you are familiar with the particular laws, regulations and industry customs in those jurisdictions (including any country, province, city, or other political subdivision) in which you are located and/or distributing any offer or advertisement in connection with the Program, (b) you have previous experience distributing offers in such jurisdictions, and (c) you will comply with all laws, regulations and industry customs applicable to the operation of your business, your marketing practices, and the collection and/or transfer of consumer data by you in such jurisdictions. To be clear, you are solely responsible for understanding and complying with all advertising laws, regulations, and customs applicable to your activities.

12.1 Data Protection and Privacy

To the extent you collect, process, store, or transfer any personal information in connection with the Program (including but not limited to email addresses, names, contact details, or any other identifying information from users who interact with your Program-related content), you represent, warrant, and covenant that:

(a) You will comply with the Personal Information Protection and Electronic Documents Act (PIPEDA), any applicable provincial privacy legislation (including Quebec's Law 25, British Columbia's PIPA, and Alberta's PIPA), and any other data protection laws applicable to your audience or your business.

(b) You will maintain a publicly accessible privacy policy on your website(s) that accurately describes your data collection, use, sharing, and retention practices.

(c) You will obtain all consents and provide all notices required under applicable law before collecting or using personal information, and before sending any marketing communications.

(d) You will implement and maintain reasonable safeguards to protect personal information against unauthorized access, use, or disclosure.

(e) You will promptly notify us in writing of any actual or reasonably suspected security incident or data breach affecting personal information collected in connection with the Program.

13. Limitation of Liability

IN NO EVENT WILL WE BE LIABLE TO YOU OR ANY THIRD PARTY FOR (A) INDIRECT, INCIDENTAL, CONSEQUENTIAL SPECIAL, OR PUNITIVE DAMAGES ARISING FROM OR IN CONNECTION WITH THE PROGRAM OR THESE TERMS, REGARDLESS OF THE THEORY OF LIABILITY AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE, OR (B) ANY DIRECT DAMAGES IN EXCESS OF THE AMOUNT OF COMMISSIONS PAID BY US TO THE DAMAGED PERSON OR ENTITY DURING THE SIX (6) MONTHS PRECEDING THE EVENT FIRST GIVING RISE TO SUCH PERSON OR ENTITY'S CLAIM.

14. Governing Law and Miscellaneous

The laws of the Province of British Columbia, without regard to conflict of law provisions, govern all matters arising from or relating to the Program and these Terms. The provincial or federal courts located in British Columbia are the exclusive venues for resolution of any action brought under or relating to these Terms. You and we irrevocably and unconditionally consent to the exclusive personal jurisdiction and venue of those courts, and neither you nor we will object or seek to change venue based on inconvenience of these exclusive venues.

In any action arising from or relating to these Terms, the prevailing party is entitled to recover its costs, including reasonable legal fees. You are an independent contractor and not our employee, agent, partner, or joint venturer, and you have no authority to bind nor attempt to bind us to any contract or other obligation. You may not directly or indirectly assign or transfer any of your rights or obligations under these Terms without our prior written consent. Any unauthorized attempt to do so is void.

The failure of a party to enforce its rights under these Terms is not a waiver of such rights. No waiver, change, or modification to these Terms is effective unless in writing and signed by both you and us. If any provision of these Terms is determined to be illegal or unenforceable, that provision will be limited or eliminated so that these Terms otherwise remain in full force and effect and enforceable, provided that the parties' essential rights and obligations remain valid and enforceable.

15. Monitoring and Additional Obligations

FinlyWealth, at its sole discretion, permits monitoring of all posts and publications related to this Program for compliance with these Terms. As part of this monitoring, FinlyWealth reserves the right to:

a. Enforce Corrective Actions: If non-compliance is identified, FinlyWealth may require the Sub-Affiliate to fix or remove the post or publication.

b. Compensation Withholding: Withhold payment of compensation to the Sub-Affiliate until compliance issues are rectified.

c. Termination of Agreement: Terminate this Agreement without further notice in cases of persistent or severe non-compliance.

In addition, Sub-Affiliates are required to:

d. Distribute Required Materials: Provide prospective clients with FinlyWealth's Sub-Affiliate Program Terms and Conditions, Privacy Policy, or other materials upon request.

e. Maintain Records: Keep complete and accurate records relating to the provision of services under this Agreement.

f. Cooperate Fully: Provide FinlyWealth with any reports, documents, or materials reasonably requested for compliance purposes, regulatory audits, investigations, or client inquiries.

g. Forward Complaints: Promptly forward any prospective or Qualified Client complaints, as well as inquiries from regulatory agencies or self-regulatory organizations, to FinlyWealth.

h. Confidentiality (Client Information): Safeguard and maintain the confidentiality of all information obtained from prospective or Qualified Clients unless disclosure is authorized by the client.

Failure to comply with these additional obligations will result in immediate corrective measures as outlined above and may include termination of participation in the Program.

15.1 Confidentiality of Program Information

In the course of participating in the Program, you may receive or have access to non-public information belonging to FinlyWealth, including but not limited to commission rates and structures, Program terms not published publicly, tracking and API credentials, technical integrations, business plans, partner lists, and any other information marked as confidential or that a reasonable person would understand to be confidential ("Confidential Information"). You agree to use Confidential Information solely for the purpose of participating in the Program, not to disclose it to any third party without our prior written consent, and to protect it using reasonable care. Confidential Information does not include information that is publicly available through no fault of yours, was already in your possession without a confidentiality obligation, or is independently developed by you. Your obligations under this Section survive termination of these Terms for a period of two (2) years.

16. Mutual Indemnification

a. Sub-Affiliate's Indemnification of FinlyWealth The Sub-Affiliate agrees to indemnify, defend, and hold harmless FinlyWealth, its parent company, subsidiaries, affiliates, and their respective officers, directors, employees, and agents (each, an "Indemnified Party") from any and all losses, damages, liabilities, costs, or expenses (including reasonable legal fees) arising out of:

• Negligence or Misconduct: Any negligence, willful misconduct, or unlawful activity by the Sub-Affiliate.
• Breach of Agreement: Any breach of the Sub-Affiliate's obligations, representations, or warranties under this Agreement.

b. FinlyWealth's Indemnification of Sub-Affiliate FinlyWealth agrees to indemnify, defend, and hold harmless the Sub-Affiliate and its officers, directors, employees, and agents from any and all losses, damages, liabilities, costs, or expenses (including reasonable legal fees) arising out of:

• Negligence or Misconduct: Any negligence, willful misconduct, or unlawful activity by FinlyWealth.
• Breach of Agreement: Any breach of FinlyWealth's obligations, representations, or warranties under this Agreement.

c. Conditions of Indemnification Neither party may settle or participate in any legal proceedings on behalf of the other without prior written consent. If there is any investigation or regulatory action related to a party's activities under this Agreement, the other party will provide reasonable cooperation in preparing a defense.

d. Injunctive Relief If either party violates this Agreement, the non-breaching party may seek immediate injunctive relief to prevent further harm, in addition to any other remedies available.

e. Cumulative Remedies All rights and remedies in this Agreement are cumulative and do not limit other legal or equitable rights a party may have.

f. Exclusive Remedy for Payment Breach If FinlyWealth fails to make payments due to the Sub-Affiliate, the Sub-Affiliate's sole and exclusive remedy is to recover any earned but unpaid fees.

17. Content and Advertising Compliance Requirements

a. Interest Rate References Sub-Affiliates must not disclose or reference exact credit card interest rates. Instead, use descriptive language such as "high" or "low" interest rates. Interest rates change frequently, and it is not feasible to ensure all content remains accurate in real time.

b. Guaranteed Results Sub-Affiliates may reference average outcomes or typical user behaviors (e.g., rewards earned) but must not guarantee specific financial results or outcomes.

c. Nature of FinlyWealth's Business FinlyWealth is a marketing affiliate of banks and other financial institutions, and is not itself a bank, lender, financial advisor, or provider of financial products. Sub-Affiliates must not describe FinlyWealth as a financial institution, lender, or financial advisor, or otherwise imply that FinlyWealth itself issues credit cards, loans, or other financial products.

d. Disclaimers in Content All sub-affiliate content must include a disclaimer stating that information may become outdated over time. Use the following disclaimer:

⚠ Disclaimer: [I/We] may earn a commission if you apply through the links on this page. Any results described are from [my/our] own personal experience — individual results vary, and card terms and rewards pricing change over time, so confirm current details with the issuer before applying.

e. Platform Use Sub-Affiliates may only promote FinlyWealth content using platforms that have been pre-approved by FinlyWealth. If you wish to use additional platforms not originally approved, you must obtain prior written authorization before publishing or going live.

f. Paid Advertisements Running paid advertisements (e.g., Facebook Ads, Google Ads) that mention or reference specific credit card or financial institutions is strictly prohibited. Sub-Affiliates may only run paid ads that do not reference specific cards or institutions, and such campaigns require advance written approval from FinlyWealth on a case-by-case basis.

18. Rebate, Cashback, and Incentive Programs

18.1 Definitions
(a) “Partner Institution” means any bank, credit card issuer, lender, or other financial institution whose products are made available to sub-affiliates through the Program at any time during your participation in the Program, as listed in the Program interface or otherwise notified to you.
(b) “Rebate Program” means any program, offer, or practice through which you, or anyone acting on your behalf, provide or promise users any cash back, rebate, statement credit, gift card, points, prize, contest or sweepstakes entry, or other monetary or non-monetary incentive, in whole or in part, in exchange for or conditional on the user applying for, being approved for, activating, or using a product of a Partner Institution. This applies regardless of:
(i) whether the user reaches the product through a Program link, through your own direct or third-party affiliate relationship with the Partner Institution, or by any other means;
(ii) how the incentive is funded, including from commissions paid by us, commissions paid to you by the Partner Institution or any affiliate network, or your own funds; and
(iii) the channel on which the incentive is offered, including any website, app, browser extension, email, or social media account.
It also includes operating any cashback, rebate, or rewards offering that resembles or competes with any such offering made available by FinlyWealth.

18.2 Prohibited by Default
Unless we have expressly approved it in a separate written agreement under Section 18.3, you may not operate, promote, or participate in any Rebate Program while you participate in the Program. This restriction applies to Rebate Programs operated outside the Program as well as within it. It does not apply to products of financial institutions that are not Partner Institutions. Our acceptance of your application to the Program does not constitute approval of any Rebate Program, even if you disclosed that Rebate Program in your application.

18.3 Exceptions; Rebate Partner Agreements
(a) We may, at our sole discretion, permit you to operate a Rebate Program by entering into a separate written agreement with you (a “Rebate Partner Agreement”). We have no obligation to grant this permission and may decline any request for any reason.
(b) As a condition of operating a Rebate Program, you must pay additional fees to us. The amount, structure, payment terms, and duration of those fees will be determined by us on a case-by-case basis and set out in your Rebate Partner Agreement. Fees agreed with any sub-affiliate do not establish a rate or precedent for any other sub-affiliate.
(c) Unless your Rebate Partner Agreement provides otherwise, we may set off any fees owing under it against commissions payable to you under these Terms.
(d) A Rebate Partner Agreement supplements these Terms. If there is a conflict between the two regarding your Rebate Program, the Rebate Partner Agreement governs to the extent of the conflict; in all other respects, these Terms continue to apply in full.
(e) Your permission to operate a Rebate Program lasts only while your Rebate Partner Agreement remains in effect and you are current on all fees due under it. If the Rebate Partner Agreement expires or is terminated, or you fail to pay any fee when due, you must cease operating the Rebate Program within [5 business days], failing which Section 18.6 applies.

18.4 Conditions for Approved Rebate Programs
If we approve a Rebate Program, you must also:
(a) fund, administer, and pay all rebates and incentives yourself, and handle all user inquiries and complaints about your Rebate Program. We have no obligation to you or to any user in respect of your Rebate Program;
(b) clearly disclose to users that the rebate or incentive is offered by you, and not by FinlyWealth or by the financial institution issuing the product, and not state or imply that FinlyWealth or any financial institution sponsors, endorses, or guarantees it;
(c) clearly disclose the material terms of the rebate or incentive, including eligibility requirements, conditions, timing of payment, and any circumstances in which it may not be paid, in compliance with the Competition Act and Sections 11 and 17;
(d) comply with any restrictions that financial institutions place on incentivized traffic. We may notify you that particular products, institutions, or offers are excluded from your Rebate Program, and you must comply within [48 hours] of our notice; and
(e) provide us with reporting on your Rebate Program as we reasonably request, consistent with Section 15.

18.5 Disclosure of Rebate Programs and Partner Institution Relationships
You must disclose any Rebate Program you operate or plan to operate when you apply to the Program, and you must notify us in writing before launching any new Rebate Program. You must also disclose any direct or third-party affiliate relationship you have with a Partner Institution, both when you apply and within [10 business days] of entering into any new such relationship. If you are already participating in the Program when this Section 18 takes effect and you operate a Rebate Program, you must either cease operating it or request a Rebate Partner Agreement within [30 days] of our notice of this Section. You may not continue operating the Rebate Program after that period unless a Rebate Partner Agreement has been signed.

18.6 Consequences of Non-Compliance
If you operate a Rebate Program in breach of this Section 18, we may, in addition to any other remedies under these Terms: (a) reverse or withhold any commissions attributable to traffic, applications, or approvals connected to the Rebate Program; (b) set your commission level to 0%; (c) suspend you from the Program or terminate these Terms; and (d) recover from you any upstream commission reversals, clawbacks, penalties, or other amounts charged to us by a financial institution as a result of your Rebate Program, which you agree are covered by your indemnification obligations under Section 16(a).