1. Who these terms are between
When these terms say "we" or "us", they mean xfinlink. "You" means the person or business taking part in the xfinlink affiliate program.
These terms cover the affiliate program. The Terms of Service and the Data Licence Agreement cover your use of xfinlink and its data. We handle your personal data as set out in the Privacy Policy.
Referrals and commission are tracked in our affiliate portal, which is provided by Rewardful. We pay your commission directly.
You take part through a campaign. Your campaign sets your commission rate, the plans it covers, how long you earn on each customer, the referral window, any customer discount, the hold before commission becomes payable and the minimum payout. These figures are shown in the affiliate portal and apply wherever these terms refer to your campaign.
2. Joining
Anyone can join by signing up in the affiliate portal. By signing up, you accept these terms.
Keep your account and payout details accurate. Your affiliate account is personal to you and cannot be transferred without our agreement.
We may decline or disable any affiliate account at any time.
3. Commission
Your commission is the share of each payment set by your campaign, on payments made by a customer you referred. Unless your campaign says otherwise, it applies to every paid plan, monthly or yearly.
Commission is calculated on the amount the customer actually paid, after discounts, excluding tax and minus refunds. Free periods, unpaid invoices and failed payments earn no commission.
You earn commission on a referred customer's payments for the commission period set by your campaign, counted from that customer's first payment. Each referred customer has their own commission period. Upgrading, downgrading, cancelling or resubscribing does not restart it. A yearly renewal at the end of the commission period earns no commission.
4. Referral links and promotion codes
Use the referral link and promotion code shown in the affiliate portal.
After a visitor clicks your link, they have the referral window set by your campaign to create a free xfinlink account, or to sign in to an existing free account that has never paid. From then on the account stays linked to you, even if the customer first pays much later.
A customer buying a monthly plan can also enter your promotion code at Stripe Checkout.
Each customer is credited to one affiliate. Unless your campaign says otherwise, the first link clicked counts when two affiliates send the same person. Once a customer is linked to you, another affiliate's promotion code does not change that.
5. Tracking
Tracking depends on the visitor accepting referral cookies. Tracking can be lost, for example if the visitor declines cookies, clears their browser or switches device. A click alone does not guarantee credit.
If a referral is missing, email hello@xfinlink.com with evidence.
6. Referrals that do not count
You cannot refer yourself. Existing or past paying customers, accounts you control or pay for, and fake or duplicate accounts never count as referrals.
Clicks from search-engine ads or search results that land directly on your referral link are ignored.
7. Customer discount
If your campaign includes a customer discount, new customers who come through your link get it on the invoices and plans your campaign names. Through your link, the discount applies automatically. On monthly plans, your promotion code gives the same discount. All other invoices are charged at the standard price.
The discount is for new customers only and cannot be combined with other promotions.
8. Payouts
Commission and payouts are in US dollars. Each commission becomes payable after the hold set by your campaign, counted from the customer's payment.
We send payouts once a month when your payable balance reaches your campaign's minimum payout. Smaller balances carry over to the next month.
We pay through Wise. To be paid, add the email address of your Wise account in the affiliate portal and keep it up to date. If you cannot use Wise, email hello@xfinlink.com. A balance we cannot send because your payout details are missing or incorrect carries over until they are corrected.
We pay the fee Wise charges us to send each payout. Any fee your own bank or provider charges you, including currency conversion, is yours. You are responsible for any tax due on your commission.
9. Refunds and chargebacks
A refunded or charged-back payment earns no commission. A partial refund reduces the commission on that payment by the same proportion. A customer cancelling future renewals does not affect commission on payments already made.
If commission on a refunded or charged-back payment has already been paid to you, we deduct it from your future earnings. We never take money back from your bank or Wise account.
10. Promotion rules
When you promote xfinlink, clearly disclose your relationship with us. Follow your platform's rules and applicable advertising rules. Be honest about your experience, use accurate product information and do not make promises on our behalf.
Do not promote xfinlink on coupon or deal sites. Do not run search ads that bid on the xfinlink name. Do not send spam, impersonate anyone, make misleading claims or tamper with tracking. Promote only the discount we provide.
Any data or code you publish must respect the xfinlink Data Licence Agreement.
Commission from referrals or activity that breaks these terms is not earned.
11. Complimentary Max access
We may give selected creators complimentary Max access at our discretion. There is no sales quota or posting quota. The normal Max usage limits, the Terms of Service and the Data Licence Agreement still apply.
We may withdraw complimentary Max access for any reason with at least 14 calendar days' notice by email. We may suspend it immediately for fraud, misuse, a security issue or legal reasons.
When complimentary access ends, your account returns to any paid plan you still have, or to the Free plan. We will not start charging you without your agreement. Ending complimentary access does not affect commission you have already earned or end your participation in the program.
12. Leaving the program
You or we can end your participation at any time. To leave, email hello@xfinlink.com.
Once your participation ends, no new referrals are credited to you. You keep earning commission on customers you referred before then, for the rest of each customer's commission period, unless we ended your participation because you broke these terms. Payouts continue on the normal monthly cycle. Once no more commission can be earned, we pay any remaining balance even if it is below the minimum payout.
13. Changes to these terms
We may update these terms. The current version is always on this page. If you keep taking part after an update, you accept the updated terms.
14. General
You run your own work and cannot act or sign on our behalf. We may transfer these terms to a company that takes over xfinlink.
These terms are governed by the law of England and Wales. Nothing in them removes rights you have by law.
15. Contact
For questions about these terms, email hello@xfinlink.com.