Affiliate Program Terms & Conditions

1. Definitions

• "Program" — the Cash Flow Optimizer affiliate/referral program described in this Agreement.
• "Affiliate Link" — the unique tracking URL assigned to you (hosted on app.cfoptimizer.com) used to attribute Referred Customers to you.
• "Affiliate ID / Code" — your unique identifier used for attribution where a link is not used.
• "Referred Customer" — a new customer who signs up for Cash Flow Optimizer using your Affiliate Link or Affiliate Code within the applicable attribution window and whose referral is validly tracked.
• "Qualifying Subscription" — a paid Starter Plan or Growth Plan subscription (monthly or annual) purchased by a Referred Customer, excluding the items listed in Section 6.3.
• "Commission" — the amount payable to you under Section 6.
• "Net Revenue" — amounts actually received and retained by the Company for a Qualifying Subscription, excluding taxes, refunds, chargebacks, discounts, credits, and processing fees.
• "Stripe Connect" — Stripe's connected-account service through which the Company verifies your identity, collects your tax information and payout details, and issues Commission payments.
• "Connected Account" — the Stripe Express connected account you create and maintain in order to receive Commission payouts.
• "Stripe Agreements" — the Stripe Services Agreement and the Stripe Connected Account Agreement, which you must accept to receive payouts, together with Stripe's other applicable terms.

2. Acceptance and Electronic Agreement

By clicking "I Agree" (or a similar affirmation), completing enrollment, or participating in the Program, you acknowledge that you have read, understood, and agree to this Agreement. You consent to enter into this Agreement electronically, and you agree that your electronic acceptance has the same legal effect as a handwritten signature.

3. Eligibility

To participate, you must:

• Be at least 18 years old and have the legal capacity to enter into a binding contract;
• Be a U.S. person (a U.S. citizen or resident) with a valid U.S. taxpayer identification number and a U.S. bank account capable of receiving Stripe payouts. The Program is open to U.S.-based affiliates only; applicants outside the United States are not eligible;
• Have an active Cash Flow Optimizer account (a 14-day free trial account is sufficient — you are not required to be a paying subscriber to participate in the Program);
• Complete the enrollment and onboarding steps in Section 4;
• Comply with this Agreement and all applicable laws.

The Company may approve, reject, suspend, or remove any applicant or Affiliate at its sole discretion, including for fraud, reputational risk, or violation of these terms.

4. Enrollment and Onboarding

To activate your Affiliate account and receive your Affiliate Link and Affiliate ID, you must complete all of the following:

• Step 1. Accept these Affiliate Program Terms & Conditions.
• Step 2. Accept the Affiliate Operations Agreement.
• Step 3. Accept the Disclosure Compliance Acknowledgement.
• Step 4. Complete Stripe Connect onboarding. Through Stripe, you will: (a) provide your IRS Form W-9; (b) complete Stripe's identity-verification (KYC) process; (c) provide your U.S. payout/bank details; and (d) accept the Stripe Agreements. Stripe, not the Company, collects and stores this information.

5. Affiliate Links, Codes, and Tracking

5.1 Assignment

You will be assigned a unique Affiliate Link and Affiliate ID. You may promote only through the authorized links and codes provided to you.

5.2 Attribution

A referral is credited to you when a visitor clicks your Affiliate Link (or applies your Affiliate Code) and subsequently becomes a paying Referred Customer, subject to valid tracking.

5.3 Attribution Window and Last-Click Rule

Tracking is based on a cookie and/or stored identifier that lasts 30 days from the visitor's most recent click on an Affiliate Link. Attribution follows a last-click model: if a visitor clicks Affiliate Links from more than one Affiliate, the referral is credited to the Affiliate whose link was clicked most recently before the visitor became a paying Referred Customer, and that click resets the 30-day window. If the visitor does not complete a Qualifying Subscription within the window, no Commission is earned.

5.4 Valid Tracking Required

Commissions are payable only on referrals that are validly tracked by the Company's systems. The Company is not responsible for referrals that fail to track due to the visitor's browser settings, cookie blocking, ad blockers, use of incognito/private browsing, device changes, or interference with tracking.

5.5 Authoritative Records

The Company's records and tracking data are the final and authoritative basis for determining Commissions.

6. Commissions

6.1 Rate

You earn a 20% recurring Commission on the Net Revenue of each Qualifying Subscription for as long as the Referred Customer remains an active, paying subscriber. The Commission continues on each successful recurring payment (monthly or annual) and stops when the subscription ends, lapses, is cancelled, or is refunded.

6.2 Eligible Plans

Commissions apply to the Starter Plan and Growth Plan, on both monthly and annual billing.

6.3 Exclusions

Commissions do not apply to: AI Bookkeeping, AI Agent Token usage (CFO Tokens), additional user seats, add-ons, one-time fees, taxes, or any product or service other than the Starter and Growth Plan base subscriptions. Commissions are calculated on Net Revenue and exclude taxes, discounts, credits, and refunds.

6.4 Qualifying Events Only

No Commission is earned on free trials that never convert to paid, fraudulent transactions, self-referrals (Section 9.4), refunded or charged-back transactions, or subscriptions the Company reasonably determines to be invalid.

6.5 Adjustments

The Company may adjust, withhold, or reverse Commissions to correct errors, or in response to refunds, chargebacks, disputes, or suspected fraud.

7. Payments and Payouts

7.1 Method

Commissions are paid through Stripe Connect as transfers to your Connected Account. All payouts are subject to the Stripe Agreements, Stripe's verification requirements, and Stripe's payout processing and timing.

7.2 Connected Account in Good Standing

To receive payouts, you must maintain a Connected Account in good standing and satisfy all Stripe identity-verification (KYC) requirements. If Stripe holds, restricts, suspends, or closes your Connected Account, or if verification is incomplete or fails, Commissions will be withheld until the issue is resolved. Commissions that remain unclaimable due to an unverified or closed Connected Account for twelve (12) months may be forfeited, except where applicable unclaimed-property or other law requires otherwise, in which case such law controls.

7.3 Schedule

Payouts are issued monthly, on or about the 15th of each month, for eligible Commissions earned in the prior calendar month. Actual receipt of funds also depends on Stripe's payout timing to your Connected Account.

7.4 Holding / Lock Period

To account for refunds, cancellations, and disputes, newly earned Commissions are held for 30 days before becoming eligible for payout. Commissions still in the holding period are not yet payable.

7.5 Minimum Payout

The minimum payout threshold is US $50. If your eligible balance is below this amount, it rolls over and accumulates until the threshold is met.

7.6 Refunds, Chargebacks, and Reversals

If a transaction on which a Commission was paid or accrued is later refunded, cancelled, or charged back, the associated Commission is reversed. The Company may recover reversed amounts by reversing a Stripe transfer, deducting from your current or future balance, or offsetting against future Commissions. A negative balance may be carried forward.

7.7 Fraud Review

Suspicious traffic, unusual conversion patterns, or suspected policy violations may trigger a review, and payouts may be delayed or withheld pending that review.

7.8 Role of Stripe

Stripe is an independent third-party payment processor. The Company is not responsible for delays, holds, errors, fees, or failures caused by Stripe or by inaccurate or incomplete information you provide to Stripe. Your use of Stripe Connect is governed by the Stripe Agreements between you and Stripe.

7.9 Currency and Fees

Payouts are made in U.S. Dollars (USD). Any instant-payout or other fees applied by Stripe are governed by, and handled in accordance with, the Stripe Agreements.

8. Taxes and Independent Contractor Status

You are solely responsible for determining and paying any taxes owed on Commissions you receive.

As the payment processor for the Program, Stripe collects your Form W-9 and, where required by law, prepares and files the applicable U.S. information return (for example, Form 1099-NEC or Form 1099-K). You are responsible for the accuracy of the information you provide to Stripe and for any taxes owed.

You participate as an independent contractor. Nothing in this Agreement creates an employment, partnership, joint venture, agency, or franchise relationship. You have no authority to bind or make commitments on behalf of the Company.

9. Affiliate Responsibilities and Prohibited Conduct

9.1 You must:

• Display clear and conspicuous FTC-compliant disclosures on all promotional content indicating you may earn a commission (see the Disclosure Compliance Acknowledgement);
• Represent Cash Flow Optimizer and its plans accurately, honestly, and professionally;
• Comply with all applicable laws, regulations, and platform/network policies.

9.2 You must not:

• Engage in spam, unsolicited messaging, or messaging that violates the CAN-SPAM Act, TCPA, or similar laws;
• Make false or misleading claims, guarantees, income promises, or deceptive statements about the product, results, or earnings;
• Bid on the Company's branded or trademarked keywords in paid search (PPC) without prior written approval, or engage in trademark/domain squatting or typosquatting;
• Use cookie stuffing, forced clicks, hidden frames, adware/malware, or any technique that artificially generates clicks or referrals;
• Misrepresent your relationship with the Company or imply partnership, ownership, sponsorship beyond an affiliate relationship, or employment;
• Promote through coupon/deal/incentive sites or unauthorized channels except as expressly permitted in writing;
• Offer unauthorized rebates, cash-back, or incentives tied to sign-ups.

9.3 Compliance with Laws

You are solely responsible for ensuring your marketing methods comply with all applicable laws, including advertising, consumer-protection, email/messaging, and data-privacy laws.

9.4 No Self-Referrals

You may not use your own Affiliate Link or Code to subscribe yourself, nor may you refer accounts you own or control, or coordinate with others to generate Commissions on your own or affiliated purchases. Such Commissions are void.

10. Intellectual Property and Brand Use

You may use only the brand assets, logos, and marketing materials expressly authorized and provided by the Company, and only in accordance with any branding guidelines we supply.

You may not alter, modify, or recreate logos or brand assets without prior written permission, nor use the Company's marks in a manner that is misleading or that implies partnership, ownership, or employment.

All right, title, and interest in the Company's intellectual property remain with the Company. Any license granted under this Agreement terminates automatically upon termination of your participation.

11. No Guarantee of Earnings

Participation in the Program does not guarantee any specific level of earnings or results. Your Commissions depend on factors outside the Company's control, including your marketing efforts and Referred Customer behavior. The Company makes no representation that participation will be profitable.

12. Term and Termination

This Agreement begins when you enroll and continues until terminated.

Either party may terminate at any time, with or without cause, on written notice (email is sufficient).

The Company may immediately suspend or terminate your participation for fraud, breach of this Agreement, reputational risk, or violation of law, at its sole discretion.

Effect of termination. Upon termination: (a) your Affiliate Link and Code will be deactivated and further tracking will cease; (b) your license to use the Company's IP is revoked; and (c) any Commissions validly earned and eligible for payout before the termination date will be paid on the next regular payout cycle, except that no Commissions are payable where termination is for fraud, abuse, or material breach, in which case the Company may withhold or reverse Commissions.

13. Disclaimer of Warranties

The Program, tracking systems, and any materials are provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement. The Company does not warrant that the Program or tracking will be uninterrupted or error-free.

14. Limitation of Liability

To the maximum extent permitted by law, the Company will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits or revenue, arising out of or related to the Program or this Agreement. The Company's total aggregate liability under this Agreement will not exceed the total Commissions paid to you in the six (6) months preceding the event giving rise to the claim.

15. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your participation in the Program; (b) your marketing methods or content; (c) your breach of this Agreement; or (d) your violation of any law or third-party right.

16. Modification of the Program and Terms

The Company may modify, suspend, or discontinue the Program, or amend this Agreement, at any time. Material changes will be posted at cfoptimizer.com and/or within the Affiliate dashboard on app.cfoptimizer.com. Your continued participation after changes take effect constitutes acceptance. It is your responsibility to review the current terms periodically.

17. Assignment

You may not assign or transfer this Agreement or your Affiliate account without the Company's prior written consent. The Company may assign this Agreement freely. This Agreement binds and benefits the parties and their permitted successors and assigns.

18. Governing Law and Dispute Resolution

This Agreement is governed by the laws of the Commonwealth of Kentucky, without regard to conflict-of-laws principles. The parties agree to the exclusive jurisdiction and venue of the state and federal courts located in Clark County, Kentucky, except as provided in the arbitration provision below.

Binding Arbitration; Class-Action Waiver

Except as provided below, any dispute, claim, or controversy arising out of or relating to this Agreement or the Program shall be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in Clark County, Kentucky, and the arbitrator's decision may be entered as a judgment in any court of competent jurisdiction.

Informal Resolution First

Before initiating arbitration, the parties agree to attempt in good faith to resolve the dispute informally by written notice for at least thirty (30) days.

Exceptions

This section does not require arbitration of (a) claims that qualify for small claims court, or (b) claims for injunctive or equitable relief relating to intellectual property or unauthorized use of the Company's brand assets.

Opt-Out

You may opt out of this arbitration provision by sending written notice to support@cfoptimizer.com within thirty (30) days of first accepting this Agreement. Opting out will not affect any other provision of this Agreement.

19. Force Majeure

The Company is not liable for any delay or failure to perform due to causes beyond its reasonable control, including acts of God, natural disasters, outages, third-party service failures (including Stripe or hosting providers), or governmental actions.

20. Severability

If any provision of this Agreement is found unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

21. Entire Agreement

This Agreement, together with the Affiliate Operations Agreement and the Disclosure Compliance Acknowledgement, constitutes the entire agreement between you and the Company regarding the Program and supersedes all prior understandings.

22. Notices and Contact

Questions about the Program or this Agreement may be directed to:

RealtoResource LLC, d/b/a Solidify Solutions
191 Prescott Lane
Winchester, Kentucky 40391
Email: support@cfoptimizer.com
Website: https://www.cfoptimizer.com/

Please visit cfoptimizer.com or your Affiliate dashboard at app.cfoptimizer.com periodically for updates related to the Program.

Affiliate Onboarding Checklist