Affiliate Agreement.

§1Definitions

§2Eligibility

You must be at least 18, a US resident, hold a valid Social Security Number or EIN, complete W-9 verification before your first Payout, and maintain an active Prestige Member account in good standing. Brokers cannot self-refer or use deceptive sign-up tactics to claim commissions on their own accounts.

§3Commission structure

Commission rates by Broker Tier:

Commissions are calculated on the net subscription amount (excluding tax, refunds, chargebacks). Engine activation commissions are calculated on the one-time activation fee for each Engine purchased by your referred Member.

§4Payment terms

• Payouts are issued monthly via ACH or Stripe Connect;
• Minimum payout threshold: $50 — balances under $50 roll into the next period;
• Payouts issued on or about the 15th of the month following the Commission Period;
• 30-day reserve hold on commissions for the initial 90 days of broker status to account for chargebacks;
• Bank fees, currency conversion, and tax withholding (where applicable) are deducted from the Payout.

§5Tax responsibility

You are responsible for all taxes on commissions you receive. Prestige issues Form 1099-NEC annually for any Broker earning $600 or more in a calendar year. International brokers complete Form W-8BEN and may be subject to 30% withholding unless a tax treaty applies.

§6Chargebacks & clawbacks

If a referred Member charges back, refunds, or cancels within the refund window, the related commission is reversed and deducted from your next Payout. If your balance goes negative, the deficit carries forward.

Fraudulent referrals (self-referrals, stolen card sign-ups, identity fraud) result in immediate forfeiture of all related commissions and may lead to termination under §10.

§7Marketing restrictions

You may NOT:

• Make any income claim not contained in approved Prestige marketing assets;
• Promise specific credit score outcomes, debt settlements, or business funding results;
• Run pay-per-click ads on Prestige brand keywords;
• Use Prestige trademarks in domain names, app names, or social handles without written approval;
• Spam, send unsolicited bulk email (CAN-SPAM), or use SMS without prior express consent (TCPA);
• Misrepresent yourself as a Prestige employee, executive, or legal counsel.

§8Trademark usage

Brokers receive a limited, non-exclusive license to use the Prestige Ecosystem™ wordmark and provided marketing assets as supplied, with no modification, no recoloring, and no derivative works. You may not register any trademark, domain, or social handle incorporating "Prestige," "Lawful Banker," "Citadel," or "Ladarren Earl Rivers." Approved use is set out in the Broker Asset Library.

§9FTC affiliate disclosure obligations

You must clearly and conspicuously disclose your affiliate relationship with Prestige in every promotional context under 16 CFR § 255. Acceptable disclosures include "I earn a commission if you sign up through my link," "Paid Prestige Broker," "#ad," or "Affiliate disclosure." Disclosures must be visible without scrolling, in the same medium as the promotion, and before any call to action.

§10Term & termination

This Agreement is effective on broker activation and continues until terminated by either party. Prestige may terminate immediately for cause (fraud, deceptive marketing, AUP violation, repeat compliance failures). Either party may terminate without cause on 30 days' written notice.

On termination: vested commissions through the date of termination are paid in the normal cycle; unvested commissions (those tied to future renewals) are forfeit.

§11Survival

§§ 5 (Tax), 6 (Clawbacks), 8 (Trademark), 9 (FTC), and 12 (Arbitration) survive termination of this Agreement.

§12Arbitration

Disputes arising out of or related to this Agreement are subject to the same binding arbitration protocol (PACOR™) set forth in §15 of the Terms of Service. The 30-day opt-out applies.