Affiliate Agreement

This Affiliate Agreement ("Agreement") governs your participation as an affiliate ("Affiliate", "you") in the American Income System ("Company", "we") affiliate program (the "Program"). By enrolling in the Program you agree to this Agreement, the Terms of Service, and the Privacy Policy.

1. Enrollment

• Enrollment requires a completed affiliate profile, a valid payout method, and payment of the $199 Admin Activation Fee.
• We may approve, deny, suspend, or terminate any affiliate account at our sole discretion.
• Each affiliate may operate only one active account unless approved in writing.

2. Commissions

• Approved affiliates earn 100% commission on every $297 software suite sale personally referred through their unique referral link or QR code.
• Commissions are attributed to the affiliate whose code is associated with the order at checkout, subject to anti-fraud review.
• Commissions move from Pending to Approved after the refund window has expired and after any compliance review.
• Approved commissions are included in scheduled payouts to the affiliate's payout method on file.

3. Reversals

If a referred sale is refunded, charged back, or determined to violate this Agreement, the associated commission will be reversed and may be deducted from future earnings.

4. Marketing Conduct

• Use only approved marketing assets or content that complies with this Agreement.
• No spam, unsolicited email, SMS, robocalls, or any violation of CAN-SPAM, TCPA, GDPR, CASL, or similar laws.
• No misleading earnings claims, fake testimonials, false scarcity, or impersonation of the Company.
• No trademark or brand bidding on paid search (e.g., "American Income System" or close variants) without written permission.
• No incentivized clicks, cookie stuffing, self-referrals, or fraudulent traffic.
• Clearly disclose your affiliate relationship in accordance with FTC guidelines and applicable laws.

5. Independent Contractor

You are an independent contractor. Nothing in this Agreement creates an employment, partnership, joint venture, or agency relationship. You are solely responsible for your own taxes and business expenses.

6. Tax Reporting

U.S.-based affiliates must submit a valid IRS Form W-9 before payouts can be issued. We will issue tax forms (such as 1099-NEC) where required by law. Non-U.S. affiliates must submit equivalent documentation if requested.

7. Intellectual Property

We grant you a limited, revocable, non-exclusive license to use approved marketing assets solely to promote the Service. All trademarks, copy, and creative assets remain our property. You may not alter, sublicense, or republish the assets except as expressly permitted.

8. Suspension and Termination

We may suspend or terminate your affiliate account at any time for violations of this Agreement, the Terms of Service, applicable law, or for conduct that harms the Company or its customers. Upon termination, your right to promote the Service ends and any pending unpaid commissions earned through prohibited conduct are forfeited.

9. Confidentiality

You agree to keep any non-public information about the Company, its customers, or its operations confidential.

10. Limitation of Liability

To the maximum extent permitted by law, the Company's total liability under this Agreement will not exceed the commissions paid or payable to you in the six months preceding the claim.

11. Changes

We may update this Agreement at any time. Continued participation in the Program after changes take effect constitutes acceptance.