- PROGRAM OVERVIEW
The Vendor Network is designed to help participating businesses provide customers with access to additional financing pathways, financial readiness resources, and related opportunities that may assist customers in achieving their goals.
The Vendor Network is intended to complement the Vendor Partner’s existing products and services by providing access to optional third-party resources and solutions. Participation in the Vendor Network is voluntary and subject to ongoing compliance with these Terms of Service.
- ELIGIBILITY
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Participation in the Vendor Network is limited to approved businesses and organizations that maintain a legitimate business operation and meet any applicable Vendor Network requirements established by Credit Manager.
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Credit Manager reserves the right to approve, deny, suspend, revoke, or modify Vendor Partner participation at its sole discretion. Eligibility requirements may be modified from time to time without prior notice.
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Approval into the Vendor Network does not create any guarantee of ongoing participation, benefits, referrals, financing opportunities, commissions, or access to specific Vendor Network resources.
- VENDOR RELATIONSHIP
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Vendor Partners participate in the Vendor Network as independent businesses and not as employees, agents, representatives, joint venture partners, franchisees, or legal partners of Credit Manager.
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Vendor Partners have no authority to bind Credit Manager to any agreement, obligation, representation, warranty, financing commitment, or contractual relationship.
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Nothing contained in this Agreement shall be construed as creating an employment relationship, agency relationship, partnership, joint venture, fiduciary relationship, or other legal affiliation between the parties.
- VENDOR RESPONSIBILITIES
Vendor agree to present Vendor Network resources in a truthful and professional manner. Vendor shall not make representations, guarantees, or promises regarding financing approvals, financing terms, funding amounts, credit improvement results, or other outcomes related to third-party products or services available through the Vendor Network.
Vendor is solely responsible for their own business operations, customer communications, marketing activities, and compliance with applicable laws and regulations.
- FINANCING & THIRD-PARTIES
Provider is not a lender, financing company, bank, leasing company, or funding provider. Financing approvals, denials, rates, terms, requirements, and eligibility determinations are made solely by the applicable third-party provider.
Participation in the Vendor Network does not guarantee financing approvals, funding, customer conversions, sales, revenue, commissions, or business opportunities.
Vendor acknowledge that financing programs, provider requirements, approval criteria, and available products may change without notice.
- VENDOR CRM ACCESS
Provider may provide Vendor with access to certain software platforms, customer relationship management (CRM) systems, dashboards, reporting tools, forms, landing pages, or other resources in connection with the Vendor Network.
Vendor acknowledge that access to such resources is provided solely as a convenience and remains the property of Provider or its licensors.
Provider reserves the right to modify, restrict, suspend, replace, or terminate access to any Vendor Network software, CRM platform, feature, resource, or service at any time without prior notice.
Vendor is responsible for maintaining the confidentiality of their login credentials and for all activity occurring under their account.
- CUSTOMER INFORMATION
Vendor may receive access to customer information submitted through Vendor Network resources associated with their account.
Vendor agree to use such information solely for legitimate business purposes related to their own products, services, customer communications, and customer relationship management activities.
Vendor shall not sell, lease, transfer, distribute, publish, disclose, or otherwise misuse customer information obtained through the Vendor Network.
Vendor are responsible for complying with all applicable privacy, marketing, communication, and consumer protection laws related to their use of customer information.
Provider reserves the right to suspend or terminate Vendor Network participation if customer information is used in a manner that is unlawful, deceptive, harmful, or inconsistent with the purposes of the Vendor Network.
- MARKETING GUIDELINES AND COMPLIANCE
- Vendor agree to follow all applicable marketing and advertising laws, including but not limited to:
- The FTC Endorsement Guidelines requiring clear and visible disclosure of affiliate relationships.
- CAN-SPAM, TCPA, and all privacy and advertising regulations.
- Prohibited Activities include:
- Misleading or deceptive advertising, including false guarantees or unverified claims.
- Implying partnership, ownership, or representing themselves as employees or agents of Provider.
- Unauthorized bidding on Provider trademarks or branded search terms.
- Spam, auto-dialing, bulk messaging, or use of bots.
- Promoting adult, hate, or illegal content.
- Engage in fraudulent behavior, including self-referrals, circular referrals with associated businesses, or referral schemes intended to generate unearned commissions.
- Violating CROA, TSR, or any law applicable to credit or financial services.
- Violations may result in immediate termination and forfeiture of all unpaid commissions.
- LEAD AND DATA HANDLING
All leads, clients, and consumer data collected through the Program are the sole property of Provider. Vendor must comply with all data-protection and privacy laws (including CCPA, GLBA, and GDPR, where applicable). Vendor are prohibited from storing, reselling, or redistributing consumer data obtained from Provider systems. Unauthorized data use will result in termination and possible legal action.
- 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.
- 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. Vendor are responsible for maintaining valid payment details and tax documentation.
- 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.
- TAXES & REPORTING
Vendor 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.
- FORFEITURE OF COMMISSIONS
Provider may withhold or permanently forfeit unpaid commissions if:
- The Vendor violates any provision of this Agreement or applicable law.
- Fraudulent or deceptive marketing is detected.
- The Vendor account is terminated for cause.
- A Qualified Referral is invalidated or refunded.
- Provider’s decision regarding commission eligibility is final and binding.
- TERMINATION AND SUSPENSION
Provider may suspend or terminate any Vendor 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 Vendor must immediately remove all Provider promotional materials, links, and references. All unpaid commissions are forfeited upon termination for cause. Vendor 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.
- 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.
- INTELLECTUAL PROPERTY
All logos, trademarks, service marks, content, and creative materials provided by Provider remain its sole property. Vendor 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.
- INDEMNIFICATION
Affiliate agrees to indemnify and hold harmless Provider, partners, officers, and employees from any claim, liability, loss, or expense arising from:
- Affiliate’s conduct, content, or marketing activity;
- Violation of law or breach of this Agreement;
- Misuse of consumer data or intellectual property.
- 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.
- 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.
- 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. Vendor are responsible for maintaining current contact information.
- ENTIRE AGREEMENT
This Agreement constitutes the entire understanding between Provider and the Affiliate, superseding all prior agreements or communications, whether oral or written.
