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Affiliate TOS

Credit Manager provides compliance-driven FinTech solutions that connect every part of the credit repair ecosystem — from agency operations to referral partnerships and law firm collaboration. Our technology simplifies workflows, automates compliance, and helps professionals scale confidently.

These Terms of Service (“Agreement”) govern participation in the Credit Manager Affiliate Program (“Program”) operated by Credit Manager, Inc. (“Credit Manager,” “Provider,” “Company,” “we,” “us,” or “our”). By enrolling or continuing as an affiliate (“Affiliate,” “you,” or “your”), you agree to comply with these terms and all applicable laws, regulations, and marketing standards.

DEFINITIONS

  1. “Affiliate” refers to any individual or organization approved or permitted to promote Provider products, services, or programs in exchange for referral-based compensation under this Agreement.
  2. “Program” means the Provider Affiliate Program, which allows eligible participants to promote Credit Manager products or services using approved marketing materials.
  3. “Qualified Referral” means a verified business lead that has provided accurate and complete contact information, demonstrated and expressed valid interest in Provider’s offerings, and has subscribed to, purchased, or paid for a service provided by Provider.
  4. “Agency Advantage” refers to Provider’s agency platform offering compliance, billing, and operational infrastructure to credit repair agencies. All active agencies within this program are automatically enrolled in the Affiliate Program pending approval and subject to these Terms.
  5. “Advocate Network” refers to approved referral partners such as mortgage brokers, auto dealers, and real estate professionals who submit leads through Provider’s systems. Members of this network are automatically enrolled in the Affiliate Program pending approval and subject to these Terms.
  6. “Attorney Network” refers to participating law firms or attorneys who receive contact introductions from Provider for credit or debt-related legal services. These participants are automatically enrolled in the Affiliate Program pending approval and subject to these Terms.
  7. “Commission” means the payment made to an Affiliate for a verified Qualified Referral under the Program’s current payout schedule.
  8. “Fraudulent Activity” includes, but is not limited to, self-referrals, false signups, duplicate entries, incentivized traffic, misleading claims, or use of unauthorized marketing channels.
  9. “Affiliate Dashboard” means the online portal where affiliates can track referrals, view commission data, and access marketing materials.
  1. PROGRAM OVERVIEW
    The Affiliate Program allows approved participants to promote Provider products and services using authorized methods and earn commissions on qualified referrals as defined herein. 
  2. ELIGIBILITY
    1. Participation is subject to approval by Provider and may be revoked or denied at any time.
    2. Applicants must provide accurate business and tax information.
    3. Affiliates must be at least 18 years old and legally able to enter binding agreements.
    4. All participants in the Agency Advantage, Advocate Network, and Attorney Network programs are automatically registered as potential affiliates, subject to review and acceptance into the affiliate program.
  3. AFFILIATE RELATIONSHIP
    1. Affiliates act as independent contractors and are not employees, partners, or agents of Provider.
    2. Affiliates may not represent themselves as having authority to bind or speak on behalf of Provider.
    3. Participation in other Provider programs does not alter this independent status.
  4. MARKETING GUIDELINES AND COMPLIANCE
    1. Affiliates agree to follow all applicable marketing and advertising laws, including but not limited to:
      1. The FTC Endorsement Guidelines requiring clear and visible disclosure of affiliate relationships.
      2. CAN-SPAM, TCPA, and all privacy and advertising regulations.
    2. Prohibited Activities include:
      1. Misleading or deceptive advertising, including false guarantees or unverified claims.
      2. Implying partnership, ownership, or representing themselves as employees or agents of Provider.
      3. Unauthorized bidding on Provider trademarks or branded search terms.
      4. Spam, auto-dialing, bulk messaging, or use of bots.
      5. Promoting adult, hate, or illegal content.
      6. Engage in fraudulent behavior, including self-referrals, circular referrals with associated businesses, or referral schemes intended to generate unearned commissions.
      7. Violating CROA, TSR, or any law applicable to credit or financial services.
    3. Violations may result in immediate termination and forfeiture of all unpaid commissions.
  5. LEAD AND DATA HANDLING
    All leads, clients, and consumer data collected through the Program are the sole property of Provider. Affiliates must comply with all data-protection and privacy laws (including CCPA, GLBA, and GDPR, where applicable). Affiliates are prohibited from storing, reselling, or redistributing consumer data obtained from Provider systems. Unauthorized data use will result in termination and possible legal action.
  6. COMMISSION MATURATION PERIOD
    Commissions for Qualified Referrals are subject to a validation and maturation period of thirty (30) days following the referred customer’s initial payment. During this period, Provider verifies the transaction, confirms that the customer has not requested a refund or chargeback, and ensures the referral remains in good standing. Commissions do not become earned or payable until this maturation period is complete. Provider reserves the right to extend the maturation period for specific products or services, or to withhold commissions that appear fraudulent, high-risk, or non-compliant.
  7. COMMISSION STRUCTURE AND PAYMENTS
    Commissions are calculated based on verified Qualified Referrals tracked through Provider’s system. The commission rate applicable to each product, service, or program is specified in the Affiliate’s dashboard or written agreement and may vary by offer, category, or promotional campaign. Provider reserves the right to modify commission rates with prior notice posted in the Affiliate portal or by email. Payments for matured commissions are issued at the beginning of each month, subject to a minimum payout threshold of one hundred dollars ($100). Unpaid balances below this threshold will roll over to the next payout period. No commission is earned for chargebacks, refunds, canceled transactions, or non-compliant referrals. Provider may withhold or adjust commissions to maintain compliance, prevent fraud, or correct calculation errors. Affiliates are responsible for maintaining valid payment details and tax documentation.
  8. CHARGEBACKS AND CLAWBACKS
    Provider reserves the right to withhold, reverse, or recover commissions previously paid or accrued to Affiliate if a referred customer’s payment results in a refund, chargeback, cancellation, or is otherwise deemed invalid or non-compliant. If commissions have already been paid on such transactions, Provider may deduct the equivalent amount from future commission payments or invoice the Affiliate for reimbursement of overpaid amounts. Affiliate agrees to remit any invoiced balance within ten (10) business days of notice. Provider may also withhold future commissions, temporarily suspend payouts, or offset pending earnings to cover potential chargebacks, refunds, or disputes. All determinations regarding chargebacks and clawbacks shall be made at Provider’s sole discretion and shall be final and binding.
  9. TAXES & REPORTING
    Affiliates are solely responsible for all taxes, duties, or governmental assessments arising from commissions or payments received under this Program. Provider does not withhold taxes and may issue informational tax documents (such as Form 1099-NEC) where required by law.
  10. FORFEITURE OF COMMISSIONS
    Provider may withhold or permanently forfeit unpaid commissions if:
    1. The affiliate violates any provision of this Agreement or applicable law.
    2. Fraudulent or deceptive marketing is detected.
    3. The affiliate account is terminated for cause.
    4. A Qualified Referral is invalidated or refunded.
    5. Provider’s decision regarding commission eligibility is final and binding.
  11. TERMINATION AND SUSPENSION
    Provider may suspend or terminate any affiliate account at any time, with or without notice, for any reason, including but not limited to violations of law, brand damage, inactivity, or operational necessity. Upon termination, the affiliate must immediately remove all Provider promotional materials, links, and references. All unpaid commissions are forfeited upon termination for cause. Affiliates may voluntarily terminate their participation with written notice. The provisions relating to confidentiality, non-circumvention, intellectual property, and limitation of liability shall survive termination or expiration of this Agreement.
  12. MODIFICATION OF TERMS OR PROGRAM
    Provider may modify or discontinue the Program, commission structure, or these Terms at any time. Continued participation after publication of updates constitutes acceptance of the new terms.
  13. INTELLECTUAL PROPERTY
    All logos, trademarks, service marks, content, and creative materials provided by Provider remain its sole property. Affiliates may only use approved marketing assets supplied within the Affiliate Dashboard or official repositories. Unauthorized reproduction, modification, or distribution of these materials is strictly prohibited.
  14. INDEMNIFICATION
    Affiliate agrees to indemnify and hold harmless Provider, partners, officers, and employees from any claim, liability, loss, or expense arising from:
    1. Affiliate’s conduct, content, or marketing activity;
    2. Violation of law or breach of this Agreement;
    3. Misuse of consumer data or intellectual property.
  15. LIMITATION OF LIABILITY
    Provider will not be liable to Affiliate or to any third party for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, revenue, goodwill, data, or business opportunities, whether arising in contract, tort (including negligence), strict liability, or otherwise, even if Provider has been advised of the possibility of such damages. Affiliate acknowledges that it acts as an independent contractor and that Provider shall not be liable for any representations, statements, claims, promises, or warranties made by Affiliate to any third party, nor for any damages, penalties, or liabilities resulting from Affiliate’s conduct, misrepresentation, negligence, or violation of law or regulation. To the extent Provider is found liable for any act or omission directly attributable to Provider under this Agreement, such liability will in no case exceed the total commissions paid to Affiliate during the sixty (60) days immediately preceding the event giving rise to the claim.
  16. NO WARRANTY
    The Program is provided “as is” without any warranty of any kind, express or implied, including merchantability or fitness for a particular purpose.
  17. NOTICES
    All notices or communications under this Agreement may be delivered electronically to the email address associated with the Affiliate’s account or via Provider’s internal communication system. Such notices shall be deemed received upon transmission. Affiliates are responsible for maintaining current contact information.
  18. ENTIRE AGREEMENT
    This Agreement constitutes the entire understanding between Provider and the Affiliate, superseding all prior agreements or communications, whether oral or written.

Effective Date: March 01, 2021
Edited Date: October 31, 2025