Affiliate Program Terms and Conditions

1. Agreement and acceptance

These Truence Affiliate Program Terms and Conditions (the “Terms”) are an agreement between Truence, Inc. (“Truence,” “we,” “us,” or “our”) and the person or entity applying for or participating in the Truence Affiliate Program (“Affiliate,” “you,” or “your”). The Terms incorporate the Disclosure & Promotion Standards, the Truence Privacy Policy, the Truence Terms of Use, and any written program rules or campaign instructions we provide (collectively, the “Program Policies”).

By submitting an application, accepting these Terms electronically, accessing the affiliate portal, or using an Affiliate Link, you agree to the Terms. If you participate for an organization, you represent that you have authority to bind it. If you do not agree, do not participate.

Acceptance into the Program is at Truence’s discretion. Submission of an application does not guarantee approval, payment, exclusivity, referrals, or earnings.

2. Definitions

Affiliate Link means the unique tracking link or code issued by Truence or its approved affiliate platform.

Attribution Window means the 90-day period beginning when a prospective customer first arrives through a valid Affiliate Link, subject to Section 6.

Eligible Plan means a paid Truence Verify, Operate, or Institutional subscription that Truence has expressly made commission-eligible. Custom, enterprise, service, implementation, usage-based, reseller, and other charges are excluded unless a written agreement says otherwise.

Net Collected Subscription Revenue means recurring subscription fees actually received and retained by Truence for an Eligible Plan, less refunds, reversals, credits, discounts, chargebacks, disputed amounts, taxes, duties, payment-processing adjustments, and amounts attributable to non-eligible products or services.

Qualified Referral means a new Truence customer that satisfies every condition in Section 4.

Validation Period means at least 45 days after Truence receives the relevant payment, during which Truence may verify eligibility, payment finality, fraud, cancellation, duplication, and compliance.

3. Enrollment and account responsibilities

You must provide complete, current, and accurate information; maintain a working business email and public-facing promotion channel; be at least 18 and legally able to contract; and complete requested identity, tax, payment, sanctions, and fraud checks. Truence may accept, reject, condition, or revoke participation based on brand fit, audience quality, legal risk, traffic methods, conflicts, or Program integrity.

You are responsible for account security and for all activity under your affiliate account. You may not sell, transfer, share, or sublicense the account or allow a sub-affiliate, network, agent, or contractor to distribute Affiliate Links without Truence’s prior written approval. You must promptly notify Truence of unauthorized access, changes to your information, or a suspected violation.

The Program is non-exclusive. Either party may work with other businesses, including competitors of the other party, subject to confidentiality and these Terms.

4. Qualified referrals

A referral qualifies only if Truence’s records establish that:

1. the customer is a genuinely new Truence paying customer and was not already a customer, active trial, active opportunity, partner-sourced account, or known prospect in Truence’s systems before the referral, unless Truence approved an exception in writing;
2. the customer arrived through your valid Affiliate Link during the Attribution Window and completed signup using a supported browser and lawful, voluntary action;
3. the customer purchases an Eligible Plan, pays Truence in full, and the payment clears the Validation Period;
4. the transaction is not a self-referral, related-party purchase created to generate commission, duplicate account, test transaction, fraudulent purchase, or prohibited incentive;
5. your promotion and the referral comply with these Terms and applicable law; and
6. no other partner, direct sales agreement, reseller agreement, or approved source has a superior claim under Truence’s records and policies.

One customer can generate commission for only one affiliate unless Truence agrees otherwise in writing. Referrals are not qualified merely because a link was clicked, a trial began, a lead form was submitted, or a customer says that an affiliate influenced the purchase.

5. Commission, validation, and payment

5.1 Standard commission

Subject to these Terms, the standard Program offer is 30% of Net Collected Subscription Revenue for the customer’s first 12 paid subscription months. The 12-month period begins with the customer’s first collected payment and does not restart after a pause, upgrade, downgrade, cancellation, reactivation, transfer, or new account created to replace an earlier account.

Enterprise, institutional partnerships, platform arrangements, lenders, strategic introductions, resellers, and custom contracts may require a separate written referral or partnership agreement and are not automatically commissionable.

5.2 Validation, statements, and payout

Approved commission is calculated after the Validation Period and paid monthly once your approved payable balance reaches $50, subject to receipt of valid tax and payment information. Truence may extend review for fraud, refund, chargeback, compliance, or payment investigations. Commissions below the threshold carry forward while your account remains active.

Annual subscriptions are commissionable only on funds actually collected and retained. Before launch, Truence must select and disclose whether annual-plan commission is released after the Validation Period or in monthly installments.

5.3 Adjustments and no earnings promise

If revenue is refunded, credited, reversed, charged back, deemed fraudulent, or later found ineligible, Truence may reverse the commission, deduct it from future amounts, or request repayment. Plan changes adjust commission prospectively based on Net Collected Subscription Revenue. Earnings examples are illustrations, not guarantees. Your results depend on qualified customers, plan selection, retention, payment collection, compliance, and other factors.

5.4 Taxes and fees

You are responsible for taxes, filings, registrations, licenses, and costs arising from your Program activity and compensation. Truence may withhold amounts required by law. Payment-provider, currency-conversion, or transfer fees may be deducted if disclosed by the payment provider or Program.

6. Attribution and tracking

The standard Attribution Window is 90 days using first-qualified-touch attribution. Subject to reliable technical records, the first valid approved affiliate referral during the window receives attribution. A later direct visit does not by itself overwrite it. A later affiliate click does not transfer attribution unless Truence expressly configures and discloses a different method.

Attribution depends on lawful browser storage, supported devices, cookies or equivalent technology, accurate links, and a continuous identifiable signup and payment journey. Tracking can be affected by privacy controls, deleted cookies, device changes, browsers, extensions, offline sales, incomplete URLs, or customer actions. Truence does not guarantee tracking in every circumstance.

Truence’s and its approved affiliate platform’s records control attribution, eligibility, and commission calculations, absent manifest error. You must report a suspected error within 30 days of the relevant statement and provide supporting evidence. Truence may make a reasonable manual correction but is not required to credit unverified or conflicting claims.

7. Permitted and prohibited promotion

You may promote Truence through truthful, professional content and approved channels that you own or are authorized to use. You are responsible for your content, traffic, vendors, employees, contractors, and approved sub-affiliates.

7.1 Prior written approval required

• paid search, paid social, display, retargeting, or other advertising that sends traffic through an Affiliate Link;
• coupon, cashback, loyalty, reward, incentive, deal, toolbar, browser extension, or software-based distribution;
• sub-affiliate networks, lead brokers, media-buying networks, or redistribution of links;
• email lists acquired from another party, sweepstakes, or co-registration; and
• use of Truence content in a course, certification, event sponsorship, marketplace, or bundled commercial offer.

7.2 Prohibited conduct

• bidding on “Truence,” misspellings, Truence product names, domains, slogans, or other Truence marks as keywords; using them in paid-ad display URLs; or engaging in ad hijacking or direct linking from paid ads;
• impersonating Truence or creating domains, handles, pages, ads, metadata, or creative that could appear official or imply employment, agency, certification, endorsement, or authorization beyond your approved status;
• cookie stuffing, forced clicks, invisible iframes, pop-ups that set tracking without intentional action, masked or misleading redirects, link injection, adware, malware, spyware, toolbars, bots, artificial traffic, click farms, or other manipulation;
• self-referrals; purchases by your business, household, employees, controlled entities, or parties reimbursed or rewarded by you; duplicate or sham accounts; and referrals generated primarily to obtain a discount or commission;
• spam, unsolicited bulk messages, deceptive subject lines, purchased lists, unlawful scraping, or communications that violate the CAN-SPAM Act, Telephone Consumer Protection Act, privacy laws, platform rules, or local marketing laws;
• false reviews, fabricated testimonials, undisclosed endorsements, unsubstantiated performance or earnings claims, guaranteed results, false urgency, deceptive comparisons, or inaccurate prices;
• promotion on unlawful, hateful, violent, sexually explicit, discriminatory, defamatory, deceptive, or brand-unsafe content; and
• interfering with another affiliate’s traffic, attribution, or relationship with a customer.

8. Disclosures, endorsements, and product claims

You must comply with the Truence Disclosure & Promotion Standards, the U.S. Federal Trade Commission endorsement requirements, and all laws that apply to your audience and channel.

Every endorsement or placement containing an Affiliate Link must clearly and conspicuously disclose your financial relationship with Truence. The disclosure must be easy to notice and understand, appear before or next to the endorsement or link, remain visible without requiring a profile visit or hidden expansion, and be presented in the same language and medium as the endorsement. A disclosure elsewhere on a site, in a biography, in terms, or behind an ambiguous label is insufficient.

Endorsements must reflect your honest opinion and actual experience. You may not claim to use Truence if you do not, claim results you did not achieve, make a claim Truence could not lawfully make, or imply that typical customers will achieve an atypical result without approved evidence and context.

Use only current, approved product descriptions, pricing, screenshots, evidence, and comparisons. Do not claim that Truence guarantees revenue, profit, attribution, accounting accuracy, forecasts, chargeback outcomes, financing, security, compliance, or business growth. Do not state or imply that Plaid, OpenAI, a bank, a lender, an advertising platform, or any other provider endorses Truence unless Truence has given specific written approval.

9. Truence brand and intellectual property

While you remain approved and compliant, Truence grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use approved Truence names, logos, links, and creative solely to promote Truence under the Program. Truence and its licensors retain all ownership and goodwill.

You may not modify a logo, create a confusingly similar mark, register or use a domain or handle containing a Truence mark, challenge ownership, remove notices, translate creative without approval, distribute outdated assets, or use the brand in a way that harms or dilutes it. You may accurately describe yourself as an “independent Truence affiliate” but not as a Truence employee, agent, certified adviser, authorized representative, reseller, or exclusive partner.

On request or termination, you must promptly stop using Truence marks, remove links and claims, return or destroy confidential materials, and cease representing participation.

10. Privacy, data, confidentiality, and security

Each party must comply with applicable privacy, marketing, and data-protection law. You may collect or use personal information for Program activity only with a valid legal basis, appropriate notice, required consent, reasonable security, and respect for individual rights. Do not place Truence tracking technology outside approved implementations.

You must never request or collect a prospective Truence customer’s bank credentials, platform passwords, API keys, payment-card information, financial records, or other sensitive access information on Truence’s behalf. Do not upload personal or confidential customer data into unapproved tools or AI systems.

Non-public Program information — including commissions, roadmaps, conversion data, security details, partner materials, and customer information — is confidential. Use it only for the Program, protect it with reasonable care, and disclose it only to personnel who need it and are bound by equivalent obligations. Legal disclosures are permitted when required, after notice where lawful.

11. Monitoring, records, and enforcement

Truence may monitor public promotion, links, traffic quality, conversions, and compliance and may request campaign URLs, screenshots, traffic-source records, consent records, or other reasonable evidence. You must preserve relevant promotion and referral records for at least 24 months and cooperate promptly.

Truence may require correction or removal, disable links, suspend access, hold or reverse commission reasonably connected to suspected misconduct, reject referrals, or terminate participation. If Truence requests a correction or removal for legal, security, brand, or customer-protection reasons, you must act immediately or within the stated deadline. A hold during a good-faith investigation is not a determination of wrongdoing.

12. Term, suspension, and termination

These Terms begin when Truence approves your participation or you first use Program resources, whichever occurs first. Either party may terminate participation for convenience by written notice. Truence may suspend or terminate immediately for breach, fraud, deceptive promotion, security or privacy risk, legal or regulatory risk, nonpayment by a customer, inactivity, brand harm, or conduct that threatens the Program.

After termination, you must stop presenting yourself as an affiliate, remove Affiliate Links and Truence creative, and return confidential information. Valid commission that fully cleared before termination remains payable subject to these Terms. Pending or future commission may be denied if termination resulted from breach, fraud, or ineligibility. For a no-cause termination, Truence should pay qualified pre-termination referrals that clear the Validation Period, subject to any written wind-down period disclosed at termination.

Sections that by nature should survive — including payment adjustments, confidentiality, intellectual property ownership, records, disclaimers, liability, indemnity, dispute terms, and accrued rights — survive termination.

13–21. Legal terms

13. Changes to the Program

Truence may change commission rates, eligible plans, attribution, validation, thresholds, tools, or these Terms. Material changes will be posted or sent to the email associated with your account and will apply prospectively after the stated effective date, except changes required immediately by law, fraud prevention, security, platform operation, or third-party requirements. Continued participation after the effective date constitutes acceptance. You may terminate if you disagree.

14. Independent contractor

The parties are independent contractors. These Terms do not create employment, agency, franchise, joint venture, fiduciary duty, partnership, sales representation, or authority to bind the other party. You control how and when you perform your activity, subject to the Terms, and are responsible for your personnel, expenses, insurance, and obligations.

15. Representations and warranties

You represent and warrant that you have authority to enter these Terms; your participation, content, audience data, and promotion comply with law and third-party rights; your statements are truthful and substantiated; and you will not introduce malicious code or interfere with Truence systems. Truence represents that it has authority to enter these Terms.

16. Disclaimer

To the maximum extent permitted by law, the Program, links, platform, materials, and services are provided “as is” and “as available.” Truence disclaims implied warranties, including merchantability, fitness for a particular purpose, title, non-infringement, and any warranty of uninterrupted operation, tracking, conversion, revenue, or earnings.

17. Limitation of liability

To the maximum extent permitted by law, neither party will be liable for indirect, incidental, special, exemplary, punitive, or consequential damages, or lost profits, revenue, data, goodwill, or opportunities, arising from the Program, even if advised of the possibility. Truence’s aggregate liability arising from the Program will not exceed the commission paid or payable to Affiliate during the 12 months before the event giving rise to the claim. Applicable law may not allow all limitations.

18. Indemnification

You will defend, indemnify, and hold harmless Truence, its affiliates, and their officers, directors, employees, and agents from third-party claims, losses, fines, liabilities, and reasonable legal fees arising from your promotion, content, breach, law violation, infringement, privacy or security incident, taxes, personnel, or relationship with a referred party. Truence will give reasonable notice and cooperation; you may not settle in a way that admits fault or imposes obligations on Truence without consent.

19. Governing law and disputes

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules. The parties will first attempt in good faith to resolve a dispute through written notice and 30 days of business discussion. Subject to counsel’s confirmation of any arbitration or class-action-waiver provision, exclusive venue will be the state or federal courts serving Collin County, Texas, and each party consents to jurisdiction there. Either party may seek urgent injunctive relief for misuse of intellectual property, confidential information, security, fraud, or unauthorized system access.

20. Notices

Program notices to you may be delivered through the affiliate portal or the email in your account. Notices to Truence must be sent to partners@truence.com with the subject “Affiliate Program Legal Notice,” and to any corporate address counsel designates before publication. Notice is effective on confirmed receipt or as otherwise required by law.

21. General

You may not assign or transfer these Terms without Truence’s written consent. Truence may assign them in connection with an affiliate, financing, merger, reorganization, acquisition, or sale of assets. Neither party is liable for delay caused by events beyond reasonable control, except payment obligations. Failure to enforce is not a waiver. If a provision is unenforceable, it will be modified to the minimum extent necessary and the remainder continues. Headings are for convenience. Electronic acceptance and records are valid. These Terms and incorporated Program Policies are the entire agreement concerning the Program and supersede prior discussions. A signed separate agreement controls only where it expressly conflicts.

22. Questions and contact

For Program, attribution, or compliance questions, contact partners@truence.com. Affiliates should request written approval before using a channel, claim, incentive, campaign, or brand treatment that is not clearly permitted.