Affiliate Program Terms & Conditions – Credit and Investments

Affiliate Agreement:

OUR PROGRAM TERMS & CONDITIONS:

Who this Affiliate Program is intended for, and not intended for:

This 2 tiered affiliate program is intended for people and businesses who interact strongly in the financial arena, and or have numerous direct close contacts in this field. This affiliate program is not intended for people without strong ties to the financial world. Also, it is not intended for Professional Affiliates who do not have specific Blogs, websites, or email lists, that cater with specificity, to those who are not active, or have strong network personal contacts, in the Financial Services Professions.

This is a 2 Tiered Commission Program*** (30% and 10%), of what “Company” receives with full tracking, huge commissions, easy sign ups, have an infinite amount of 2nd tier affiliates, and this is a totally ground floor opportunity.

A two-tier affiliate program follows a two-tier payment structure whereby affiliate marketers not only receive commissions on the sales they generate but also on sales generated by the other affiliate marketers that they referred to the affiliate program/who directly signed up on their affiliate link/Reflink. So, by signing up for a two-tier affiliate program, you will not only receive commissions on your own commissionable referrals, but also on the referral (successful) sales triggered by other affiliate marketers whom you brought into this same program and who became fellow affiliate partners, through your link/Reflink.

*There is no 3rd, 4th, 5th, or 6th tiers, etc…available commissions. This is merely 2 tiers/2 tiers only, that are available to each affiliate. Typically 30% and 10% of the company’s earned money, is structured to go to the affiliates.

** There is an exception whereby the Merchant Terminal Credit Card Processing sales – Company offers a juicy 50% and 10% distribution, of what monies the company receives.

In order to maintain the highest standards within the network, and to keep this from growing too large to fast, we charge a refundable $199 application fee (and after 1 year, if you have not earned $199 or more in paid commissions to you, then we will fully refund your $199 application fee.

Also, if you are not approved to be an affiliate, we will immediately refund your $199 application fee.

Also, Your $199 application fee will be fully refunded with your first commission earnings, that top $500.

If you choose to stay with us, after 12 months, there is an annual affiliate member fee of $99 for every affiliate. If for some bizarre reason you are eligible for a refund after the 12 months/no earned commissions, then we will fully refund your application fee, and, we will terminate your account. However, in that same bizarre situation, If you would rather us/want us, to keep your account open/and to waive the refund, you’ll have 30 days after your 1 year affiliate program expires, to notify us of such/and, we will honor your request, and, we will waive the upcoming year renewal fee (it will be $ zero/free of charge). The “application fee” and renewal fees are not commissionable on either affiliate or vendor sign-ups. What is commissionable though are the leads from products and service sales that successfully generate closed deals/generate money/as outlined in the Affiliate agreement. There may be some outside advertisers on the side/banner/other places, that are separate from this program, and not currently commissionable in this particular program. The products and services that are listed herein (below), are indeed commissionable.

Disclaimer:

Nobody will be guaranteed to make any money. This is a business risk, and it has a super strong 100% full money back guarantee. Most multi-tiered programs have many, many sign-ups, and statistically the majority of the people in these types of programs don’t make any money. We love this program, there seems to be nothing like it, but we always have to give legal disclaimers.

**Application fees and annual renewal fees are not commissionable, just the leads from products sales and service sales that successfully close, as outlined in the Affiliate Agreement are eligible to generate money.

***The rule of thumb in making money in a 2 tiered program, is to mainly promote the products and services first, and secondly to promote the program to other potential affiliates. You should view the 2nd tier as a bonus, not as the main income source. Money is not made, until there are solid leads, and business deals that are closing. However, if you have many more potential affiliates as connections in your network, then you actually do potential leads, then, you may be an exception to this general rule.

Some purchases such as: Real Estate sales may take around 4 months on estimated average to close/Mortgages may take around an estimated 45 days to close/foreclosure bailouts may take over 1 year/and some products or services such as the high-end credit repair, or high-end debt settlement, and or other products and services, are designed for immediate sales and immediate eligible commissions.

Cookies cached for 20 years. That is not a typo. Your cookies are cached for 20 years (not 1 year, not 2 years, not 5 years, but for 20 years – for 7306 days). Because the system requires a specified length of time to be programmed (and no company can legitimately declare “indefinite”), we selected to program 20 years, as the length of time. Understand the value of this benefit. If they visit our website through clicking on your Reflink, and 19 years later, they come back to the website and buy something, it is now possible to be paid on that sale, by that same customer, 19 years later when they came back to buy.

You can start earning money with us within 2 days, or less. But first of all please read the following basic mutual understandings:

I. GENERAL PROVISIONS

These Credit and Investment Affiliate Program Terms & Conditions govern the rights and obligations of Credit and Investment and Affiliates, in relation to their participation in this Affiliate Program. Credit and Investment Affiliate Program is a 2 -tier affiliate program allowing Affiliates to obtain financial benefits in the form of Commissions by sharing a Reflink to the Website. Affiliates may sign up additional Affiliates below themselves, so that when the second-tier Affiliates earn the Commission, the Affiliates above them also receive a separate Commission.

*****This program is for submitting Leads, not referrals. There is a huge difference. Since many States prohibit referral fees from being paid out to non-licensed Professionals (but they all do allow the selling of Leads) and paying non-licensed Professionals for these Leads, please understand and abide by the universal distinction, which is 2 fold. You cannot mention the specific name of any Lead Buyer/Vender, and, you also cannot have a direct conversation about the ‘specificity’ (the specifics) of their general financial need, before, the lead is submitted. You agree to follow this rule even if you have legal expressed permission to type in their information into the lead criteria fields. You understand that breaking this rule could get you banned from this program. You further agree to check the laws in your own State and follow them, and to check with a lawyer within your State for any doubts.

II. DEFINITIONS

Affiliate – An Entity, Corporation, LLC, Partnership, natural person or legal person, which joins and participates in this Program, by successfully paying the application fee, and is formally approved by our Company, and now eligible for 2 tiered commissions.

Commission – a percentage of the total price of the product or service purchased, based in totality on what Credit and Investment has actually received from their full contractual agreement, and these monies (excluding any applicable sales tax) are then calculated for eligible commissions. These purchases must be made on the Website by a User through their specifically designated Reflink;

Credit and Investment – the company Legal Analysis, LLC (also referred herein referred to as Company or as Us), with its registered seat in Wyoming and Florida, serving all 50 States and also Puerto Rico.

Promotional Materials – A graphic or textual material owned by Credit and Investment for display and use on the Affiliate’s website made available to the Affiliate;

Reflink – A special address containing a unique identification of the Affiliate, serving as a helpful tool for the Affiliate to market and invite Users to purchase products or services offered by Credit and Investment/and or their contracted partners.

Residual Commission – There may be products or services that offer continual periodic payments, these monies generated on this scale are referred to as residual commission.

Second-Tier Affiliate – a person or business who submits an application and pays the application fee, and then has been approved by Company, has successfully joined and been approved into the Affiliate Program, from originally clicking on the Affiliate’s Reflink.

Successful Sales – A sale that was completed through the generated links from this program, in which we collected the full funds that were scheduled to be due to us/the company.

Terms & Conditions or Agreement – This Affiliate Opportunity Program, Terms & Conditions;

User – Any natural or legal person, or any business, who purchases goods or services, from the affiliate links, created through the customer account, through this program;

Website – a group of affiliated websites made available on the Internet from the issued affiliate link, processed through this program.

III. PARTICIPATION

1. In order to participate in this Affiliate Program, as an affiliate, each party needs to:

a) Create an account through the sign up portal of this program, and must have received approval from our office via an email, and accept these Terms and Conditions;

b) An affiliate must be either a business or, if a person, – must be at least eighteen years old. If a person acts on behalf of the Affiliate who is a legal entity, he/she/they must be authorized to enter into commitments arising from the execution of these Terms and Conditions on behalf of such an entity and asserts that his/her/their acceptance of these Terms and Conditions shall be equivalent to acceptance by such an entity.

2. The Affiliate agrees that he/she/they/ shall not:

a) Engage in any activity detrimental to the good name or reputation of Credit and Investment or any partner, or other affiliate, by in any which manner that may have a negative impact on any of these entities, or the products or services sold or marketed through this program;

b) Provide Credit and Investment, or any Partner/Vendor, any misleading and or untrue information;

c) Illegally attempt to obtain or illegally obtain Commission, in particular by impersonating a third party, whether actually existing or fictitious, in order to receive Commission through this program;

d) Make on its own any purchase on the Website through the Reflink assigned to the Affiliate’s Account, in particular by creating two customer accounts through the Website; There is only 1 account per person/entity/representative. Any Duplicate account in any direct or indirect way is cause for termination, of all related accounts.

e) Use any misleading links or cookie stuffing techniques, including, but not limited to pop-ups, frames, images, Javascript or stylesheets;

f) Infringe the intellectual property rights of any person or entity;

g) Use the Promotional Materials for any purpose other than to promote, as stated and in accordance with these Terms and Conditions;

h) Use any trademarks or other marks and keywords similar to such trademarks, by Credit and Investment or any partners or any affiliates, or intentionally change e.g. ” in PPC campaigns or, in any accounts or domains registered in any of these entity names;

i) Use this Affiliate Program, the Websites, and the Affiliate’s Account for the purposes other than specified in these Terms and Conditions;

j) If you have any automated lead capture systems or portals on the internet, and you elect to submit these leads manually or through automation, any and all of these leads submitted by you/affiliate to us, must be absolutely “exclusive” leads/only being sent to us/solely being sent to us. We market these leads as authentic and exclusive. Our lead Buyers/Vendors must be getting leads from us that are not being bombarded by their competitors by way of you pushing these leads to other entities. Any violation of this understanding, is subject to termination of this agreement, immediately.

3. If Credit and investment has strong reasonable proof that the Affiliate is engaging in illegal activity, we may suspend and or withhold in part or, in whole, the payment of the amount of the Commission accumulated by such Affiliate on the Affiliate’s Account.

4. The Affiliate can place the Affiliate’s Reflink together with the Promotional Materials in any viable place and sites in accordance with applicable laws. Such placement cannot infringe third party’s intellectual property rights. The Affiliate can send email campaigns to their established subscribers, but affiliates cannot send unsolicited emails (so called spams) containing Reflinks (sending as SPAM), and must before placing the Reflink read the terms and conditions of any such sites and verify that the Reflink placement does not violate any of the site’s terms and conditions.

5. Upon Formal Approval of the Affiliate’s application, Affiliate is hereby granted a nonexclusive, nontransferable, worldwide license to use the Promotional Materials solely to promote this Affiliate Program. The terms of such license shall expire upon the termination of this Agreement.

IV. COMMISSION

This affiliate program pays 30% of the first tier sales/collected monies by Company (as your direct successful sales), from your generated link from this program. This program will also pay you 10% for your directly signed up affiliates, direct successful sales, from their generated link from this program, as collected monies by Company. Merchant Terminal Credit Card Processing has an exception of 50% and 10% as the 1st and 2nd tier eligible commissions. You may have a separate viewing dashboard for these specific leads and sales/and there may not be viewing for your 2nd tier actions on your dashboard/for this specific Merchant Leads and sales, but you will be sent an activity sheet/by email/once a month, upon earning 2nd tier (Merchant) commissions over $100, and the company may provide this to you under $100 earned, at their discretion.

Payouts are made on the 15th of each calendar month, for the commissions successfully earned on the previous month. On rare occasions, if there are products or services that have a longer money back guarantee than 30 days, or, if there are disputes about a purchase, then commissions for those specific successful sales, may be delayed.

On rare occasions, charge-backs occur on certain products or services. In that event, you will be charged back your full commissions.

That the “application fee” and renewal fees are not commissionable on either affiliate or vendor sign-ups. What is commissionable are the leads from products and service sales that successfully close/generate money/as outlined in the Affiliate agreement.

You need to earn $200 minimum, before being paid out. We pay out on everyone over $200 on the 15th, every month, as per mentioned above. We are not in the business of holding money over $200,m for simple requests of convenience. Upon a written “emergency 1 time request” requested by you (regarding matters of identity theft, bank account frozen, you are out of the country, etc…), we will consider and likely hold your money – for no more than 60 extra days at your request, for such an emergency. Otherwise, we will not hold your money upon a basic request/and send it to you immediately.

Company provides: Full support email, and training videos/for those successfully signed up.

Successfully enrolled affiliates will have login access for tracking leads and commissions, and viewable access to the status of each lead.

Self-referrals are strictly prohibited from this affiliate program. The point is to get you to refer other people. This is not a way to get a discount on your account.

In-house monthly service processing fees are waived if you have submitted an active successfully connecting PayPal account. If you have your Paypal account submitted to us – then these following fees will not apply to you. Otherwise, there is an in-house monthly service processing fee(s) for sending out checks and direct deposits – outside the scope of sending payments to you through PayPal.. Processing fees for in house services, fighting occasional charge-backs, support and or training, credit card merchant fees, and more, are all expenses. We charge you 3.5% of your earnings for in-house services and processing. For example if your check was slated for $100 you would be eligible for $96.50, or if you were slated to receive $200, you would receive $193. Again, PayPal subscribers which allows immediate direct payments, are not subject to this 3.5% processing fee.

Someone claiming a Lead that did not register: In some rare cases, we can give credit to an affiliate even if the customer didn’t sign up through their link by mistake/at Company’s discretion. We should be contacted by you the same day as the successful sign-up/and we will work hard to get you your commissions if deserved. If you have a situation like that, contact us first, so we can help, and please ask your customer to send any details of the purchase.

If you have any questions about your Affiliate Program, you can contact us at support@creditandinvestments.com

Affiliates are not to represent themselves as a W-2/employee of this business, or similar.

Payouts are made via PayPal. We do make some exceptions, but it makes things more interruptible for our staff (and that is a nice way of saying “annoying”). If you don’t have a Paypal account, please get one, and avoid any possible in-house fees as stated in an above paragraph, in this same #4 commissions section.

5. Any requested over-night express mailing of checks, or closed account fees, or any other transaction fees applicable to specific payout methods shall be bear solely by the Affiliate, and deducted during the payout from the amounts of Commission accumulated on the Affiliate’s Account.

This paragraph is relevant only upon you formally (in writing0 request us to investigate any billing matters. In the event of any billing dispute, we graciously offer 3 different 15 minute investigations free of charge, annually, even if you are wrong, and the company was correct. After those 3 courtesies, if we investigate, and we find that you were wrong, we will then charge you $50 an hour, as deemed needed by Company to attempt to fully resolve this matter, and this will be deducted from your commissions.

6. Any Commission received by the Affiliate is gross remuneration, including VAT, if the activities for which the Commission is paid are subject to VAT, for which the Affiliate is solely responsible. For the avoidance of any doubt than Affiliate shall be 100% responsible for any taxes owned by the Affiliate arising out of the Affiliates relationship with Credit and Investment, as set forth in these Terms and Conditions.

7. Credit and Investment shall keep accurate and up-to-date records of the data used to determine the total amount of Commission owed to the Affiliate. Each Affiliate logged into the Affiliate’s Account and the separate CRM, can see on the account readings/in totality, the panel leads/statuses/and commissioned amounts. Any discrepancy between the amount of Commissions owed according to these records, and the actual amount of Commissions paid to the Affiliate in any period or periods, shall be rectified by Credit and Investment within 14 days of discovering such discrepancy.

Any discrepancies that are brought to the attention of Credit and Investment more than 90 days past the last day of the calendar payment month(s) in question, is voided, and is not re-coup-able, and, the 14 day requirement for Company to rectify, is also voided.

V. SUSPENSION AND TERMINATION

1. This Agreement may be terminated by either party upon giving the other party a one month termination notice.

In the event that this agreement is terminated, by either party, all commissions pending for that month that have a scheduled delay (example commercial loan agreements), shall still be paid to the affiliate, unless termination was for some reason as a criminal conviction, disparagement against the company or any of its staff or board members or, against any partner, other affiliate, etc… This final decision of after termination commission to being paid out, is the sole discretion of Credit and Investment. Also, all potential residual commissions for the future will become null and void upon a termination of this agreement.

VI. INDEMNITY

1. The Affiliate shall indemnify Credit and investment, on its first, 2nd, and 3rd demand – and all of which are at least 5 business days apart, to rectify any complaint, and affiliate shall hold Credit and investment harmless and each of its officers, directors, employees, agents, subcontractors, affiliates, shareholders and partners from and against any and all losses, demands, claims, damages, costs, expenses (including reasonable legal costs and expenses) suffered or incurred, directly or indirectly, by Credit and Investments, as a consequence of any breach of these Terms and Conditions by the Affiliate or any of the Affiliate’s warranties and guarantees.

2. Credit and Investment shall not be liable to the Affiliate for any loss of actual or anticipated income or profits, and for any special, indirect or consequential loss or damage arising from the Affiliate’s participation in this Affiliate Program.

3. In any case Credit and Investment aggregate liability under or in connection with this Agreement, whether in contract, tort (including negligence) or otherwise, shall not, in any event, exceed the sum of the total monies paid by Credit and Investment to the Affiliate over three months’ period preceding the date on which such liability accrued.

4. In the event of any discrepancy or complaint that requires litigation, all parties agree that the venue and jurisdiction shall be in Lee County, Florida. It is also mutually agreed, that regardless of outcome, each party is responsible for all of their own attorney(s) fees.

VII. MISCELLANEOUS

1. The Affiliate agrees to the processing of personal data in accordance with Credit and investment Privacy Policy, in particular in order to transfer the Commission to the Affiliate.

2. Credit and Investment reserves the right to amend, change or modify these Terms and Conditions, which it may do so at its sole discretion, at any time, by posting the amended Terms and Conditions on the Website, and emailing the affiliate at the email address on record with us. In particular, and as unlikely as this is, Credit and Investment has the right to change in such way the percentage of the Commission payable to the Affiliate. Each Affiliate is therefore obligated to regularly check these Terms and Conditions, and any Affiliate that decides not to terminate this Affiliate Program within 30 days after the posting of amended Terms and Conditions on the Website shall have been deemed to accept the amended Terms and Conditions. Unless provided otherwise, amended Terms and Conditions shall come into force automatically 30 days after their publication on the Website.

A. Term. The term of this Agreement begins when you accept the terms of this Agreement at registration and shall continue until terminated in accordance with the terms of this Agreement. Company’s rejection of your application automatically terminates the Agreement. Eligible Commissions are for submitted Leads on/to/for Commercial loans (secured and unsecured), Personal loans (secured and unsecured), Merchant Credit Card Processing, Fast Debt Settlement (not others), Elite and High End Credit Repair (not others), Bankruptcy, Tax Liens, Saving From Foreclosure(s) Commercial or Residential, and more to come soon.

B. Assignment. Neither party may assign this Agreement without the prior written approval of the other party. Except if Company is sold to another entity, then Company may sell or transfer their interest. In the event of death by a Vendor, they may heir their benefits and Vendor agreement so long as the heir is licensed in the same Professional manner/if such a license is required for the sales of such products and services being commercialized by way of this specific agreement.

C. No Partnership or Joint Venture. Nothing in this Agreement shall be construed as creating a partnership, joint venture or agency relationship of any kind between the parties. Neither party shall have the authority or power to bind the other or to contract in the name of or create a liability against the other in any way or for any purpose.

D. Notices. All notices must be in writing. Notices will be deemed given: (1) if delivered in person, upon receipt; (2) if delivered by registered mail, return receipt requested, or by an internationally recognized express mail carrier, upon delivery; or (3) if delivered by email, upon delivery. Notice may only be sent to Company by registered mail at: Legal Analysis LLC 8951 Bonita Beach Road suite 525-353 Bonita Springs, FL 34135. Notices may be sent to you via email/website posting, U.S mail, or by any of the methods described above according to the information provided by you in your account.

E. Severability/No Waiver. If any provision of this Agreement is held by any court of competent jurisdiction to be illegal, null or void or against public policy, the remaining provisions of this Agreement shall remain in full force and effect. The Parties shall in good faith attempt to modify any invalidated provision to carry out the stated intentions in this Agreement. The waiver of any breach of any provision under this Agreement by any Party shall not be deemed to be a waiver of any preceding or subsequent breach, nor shall any waiver constitute a continuing waiver.