ANNEX VII

ANNEX VII — REFERRAL PROGRAM AND NETWORK EXPANSION INCENTIVES

📄 DOCUMENT INFORMATION

GENERAL REFERRAL PROGRAM — QUICK SUMMARY (Corrected; SaaS Contract Style)

Please read carefully before continuing. Full Terms follow this summary.
MINIMUM READ TIME: 45 seconds. This page will unlock after 45 seconds.

1) What Is the General Referral Program? (One-Tier; Not MLM)

The General Referral Program rewards you for introducing new Love Partners (brands/merchants) to Lovelike. This is a one-tier referral program (not multilevel marketing). You earn commissions only on direct referrals.

Who Can Participate (Referrers): All Love Creators (influencers) and Love Partners in good standing, subject to eligibility, compliance, and Stripe Connect requirements.

What Generates Commissions: Only referrals where your referred brand (Love Partner) is approved, completes onboarding, and remains ACTIVE as required.

Payment Method: Stripe Connect only (no checks, PayPal, crypto, etc.).

2) Key Financial Terms (Commissions Apply Only to Brand Referrals)

IMPORTANT: Influencers can earn commissions by referring brands. However, commissions are paid only for referrals of Love Partners (brands/merchants). No monetary commissions are paid for referrals of Love Creators or Lovelikers under this Program.

What You Can Earn (Love Partner / Brand Referral)

When you refer a brand that becomes an active Love Partner, you earn from two (2) sources during the first three (3) months:

1. Subscription Commission: 30% of Net Subscription Fees paid by the referred brand.

2. Campaign Commission: 9% of Net Total Campaign Value the brand contracts with influencers on the platform.

Referee Benefit (Brand)

The referred brand receives a 15% discount on its subscription for the first three (3) months.

"Net" Amounts (Discounts + Stripe Fees)

All commissions are calculated on net amounts actually received by Lovelike, after deducting:

• discounts, coupons, and promotions; and

• payment processing fees (including Stripe fees and any Stripe Connect fees), plus refunds, chargebacks, reversals, and applicable taxes/withholding and other transaction-related fees.

Accordingly, "Net Subscription Fees" and "Net Total Campaign Value" for commission purposes are not gross amounts paid by the brand.

3) Important Earnings Disclosure — New Program (No Historical Data)

CRITICAL NOTICE: This is a new referral program launching in February 2026. Lovelike does not have historical earnings data because the platform has not yet launched.

What we can state (the rules):

• 30% of net subscription fees paid by the referred brand;

• 9% of net campaign value contracted by the referred brand;

• commissions apply for the first 3 months only (per qualifying referral).

LEGAL REQUIREMENTS YOU MUST FOLLOW

1) FTC Disclosure (MANDATORY)

When sharing your referral link/code, you must clearly and conspicuously disclose that you may earn commissions if someone signs up using your link/code. Disclosures must be placed near the endorsement and near the link/code, and must be understandable on the first view (not hidden in bios, comments, or behind "more").

Correct examples

TikTok

• Caption: "Obsessed with @Lovelike for finding perfect products. Sign up with my link below. #ad #LovelikePartner #commission"

• Verbal: "This content includes paid promotion—I earn a commission if you sign up for Lovelike using my link."

Instagram Reels

• On-screen text (first frame): "AD | Lovelike Partner — I earn commission on signups"

• Caption: "Use my code CREATOR15 to join Lovelike. #ad #LovelikePartner"

YouTube

• Description (first 3 lines): "This video contains paid promotion. I earn a commission if you sign up for Lovelike using my referral link below."

• Verbal disclosure in the intro.

Wrong examples

• "#partner" (too vague)

• disclosure only in bio or comments (not close to the link/code)

• no disclosure at all

FTC penalty notice: Failure to disclose may expose you to enforcement risk, including civil penalties. (Penalty amounts may change; you are responsible for compliance with current law.)

2) Gifting + Commission Disclosure (Double Disclosure Required)

If you receive free products/services (gifted, PR, comped stays, etc.) and you may earn referral commissions, you must disclose both:

Example (Instagram):
"Thanks @BrandName for gifting me this product. I'm also a Lovelike Partner, so I may earn a commission if you sign up using my link. #gifted #ad #LovelikePartner [LINK]"

3) Email and SMS Marketing Rules (Anti-Spam / Privacy / Telecom)

If you promote your referral link/code via email or SMS/text, you must comply with applicable laws and platform policies, including:

Email (CAN-SPAM and similar laws):

• obtain consent where required (best practice: express consent before marketing emails)

• include a clear, working unsubscribe mechanism and honor opt-outs promptly (e.g., within 10 business days under CAN‑SPAM)

• use accurate "From," routing, and subject information

• include a valid physical postal address in the footer

• do not use deceptive headers or misleading subject lines

SMS/Text (TCPA and similar laws):

• obtain prior express written consent before sending marketing texts using an autodialer or automated system (where applicable)

• provide a clear opt-out (e.g., "Reply STOP to unsubscribe") and honor it

• comply with quiet hours and applicable timing restrictions (commonly no texts before 8 a.m. or after 9 p.m. recipient local time)

• keep records of consent

Penalty notice: Violations can result in statutory damages and enforcement actions. You are responsible for understanding and complying with all applicable requirements in your jurisdiction.

WHAT THIS PROGRAM IS NOT

This Program is:

• NOT a pyramid scheme: one tier only; commissions are based on real services and real economic activity

• NOT multilevel marketing (MLM): no downlines; no recruitment-based bonuses

• NOT passive income: requires active marketing and effort

• NOT a "get rich quick" scheme: most participants in referral programs earn little or nothing

• NOT guaranteed earnings: Lovelike makes no income promises or guarantees

By participating, you certify that you understand and agree that:

• commissions are based on qualifying brand subscriptions and platform campaign activity (real services), not on recruiting participants;

• no purchase is required to participate (Stripe Connect is a compliance requirement for payouts, not consideration);

• there is no inventory requirement and no forced purchases; and

• the Program is intended to comply with applicable laws, including California Civil Code § 1689.2 and FTC Act § 5 (Koscot factors).

PROHIBITED ACTIVITIES

You will be immediately disqualified from the Program if you engage in any of the following (or attempt to do so):

• Self-referrals: referring your own alternate accounts, identities, or entities you control.

• Commonly controlled entities: referrals between businesses/accounts under shared ownership or control (unless pre-approved in writing by Lovelike Legal).

• Re-registrations: creating new accounts to manipulate attribution, eligibility windows, or benefits.

• False urgency / deceptive marketing: e.g., "Offer expires in 1 hour" when it does not.

• Guaranteed earnings claims: e.g., "Earn $10,000/month guaranteed!" or any similar income promise.

• Bot traffic / click fraud: automated clicks, incentivized clicks without genuine interest, traffic manipulation, cookie stuffing, or similar fraud.

• Spam / unlawful outreach: including CAN-SPAM, TCPA, or similar violations, or sending unsolicited bulk messages.

Consequences

Violations may result in any or all of the following, as permitted by the Terms and applicable law:

• forfeiture of all commissions (including amounts already paid, subject to clawback up to 180 days);

• account suspension or termination; and/or

• legal action for fraud, abuse, or breach of contract.

WHO CANNOT PARTICIPATE

Participation is not available to:

• persons located in, or nationals of, countries/regions subject to comprehensive U.S. sanctions, including: Cuba, Iran, North Korea, Syria, and the Crimea region of Ukraine;

• persons appearing on the OFAC SDN List or other restricted party lists;

• Russian nationals and/or Russia-related participation may be restricted case-by-case under Executive Order 14024 and applicable OFAC guidance.

Lovelike conducts automated sanctions screening. If you become subject to sanctions, you must notify Lovelike immediately.

NO STACKING WITH OTHER PROGRAMS

Referral benefits and commissions do not stack with benefits from other Lovelike programs (including the Ambassador Program (Annex I)) when applied to the same transaction, unless explicitly stated otherwise.

Priority Order (If Multiple Programs Could Apply)

1. Ambassador Program (Annex I) — highest priority (if applicable)

2. General Referral Program (this Program) — subject to discount/benefit hierarchy rules (see Section 5.4, if applicable)

Only one benefit applies per transaction, except as expressly permitted by the Terms.

ARBITRATION & CLASS ACTION WAIVER

By accepting this Referral Program, you agree that disputes will be resolved by binding arbitration administered by JAMS in Delaware, and that:

• you waive the right to file lawsuits in court (except as stated below);

• you waive the right to a jury trial; and

• you waive the right to participate in class actions (claims must be brought individually).

Right to Opt Out (30 Days)

You may opt out of this arbitration agreement by sending written notice to support@lovelike.ai within 30 days of accepting these terms.

If you opt out:

• you retain the right to sue in court;

• all other terms remain in effect;

• the opt-out is permanent (cannot be reversed).

Your opt-out notice must include:

• your full name;

• the email address registered with Lovelike;

• the statement: "I opt out of the arbitration agreement in Annex VII"; and

• your signature (electronic or physical).

Small Claims Exception

Either party may bring a claim in small claims court if:

• the claim qualifies under the court's jurisdictional limits; and

• the matter remains in small claims court (no removal to a higher court).

BEFORE ACCEPTING — ASK YOURSELF

• Do I understand that earnings are not guaranteed and most participants may earn little or nothing?

• Do I understand this is a new program with no historical data?

• Can I complete Stripe Connect KYC/KYB identity verification?

• Am I prepared to pay estimated taxes (if applicable) on commission income?

• Can I comply with FTC disclosure requirements when promoting my referral link/code?

• Do I understand my referral code/link must be used at signup to qualify?

• Do I understand the timelines (30-day lookback, 60-day approval, 30-day activation)?

• Will I read the full Terms before participating?

• Have I consulted (or will consult) a tax advisor regarding reporting obligations?

• Do I understand I can opt out of arbitration within 30 days?

If you answered "no" to any of the above, reconsider participating or seek professional advice before accepting.

IMPORTANT LEGAL NOTICES

Limitation of Liability

To the maximum extent permitted by law, Lovelike's total liability to you arising out of or relating to the Referral Program is limited to the total commissions paid to you in the prior 12 months.

Disclaimer of Warranties

The Referral Program is provided "AS IS" and "AS AVAILABLE", without warranties of any kind, including:

• no warranties about earning potential;

• no guarantees about referral approvals, conversions, or retention; and

• no promises that the Program will continue unchanged (it may be modified, suspended, or terminated as allowed by the Terms).

NEXT STEPS

After this timer expires:

• Scroll down to read the full 50+ page Terms (required)

• Accept the Terms and complete Stripe Connect onboarding

• Get your unique referral code/link in the Referral Dashboard

• Start promoting (with mandatory FTC disclosures)

• Get paid on the 15th and the last U.S. business day of each month (Eastern Time), subject to thresholds, holdbacks, and cutoffs in the Terms

FULL TERMS BEGIN BELOW

This summary is provided for convenience only. The Full Terms below are the legally binding agreement.

By continuing, you acknowledge and agree that:

• you have read this summary carefully;

• you understand the key terms above;

• you will read (or have had the opportunity to read) the Full Terms below; and

• you agree to be bound by the Full Terms.

NEED HELP?

Questions before accepting?
Email: support@lovelike.ai

ANNEX VII

GENERAL REFERRAL PROGRAM REGULATION AND OPERATIONAL RULES

SECTION 1. PROGRAM OVERVIEW

1.1 Purpose

The Program rewards eligible referrers for introducing new qualified Love Partners who complete onboarding and maintain ACTIVE subscription status, thereby expanding the Lovelike marketplace and campaign ecosystem.

This General Referral Program offers the same commission rates as the Ambassador Program (30% subscription, 9% campaigns) but for a limited period of 3 months. The Ambassador Program extends these rates for the duration of the contract (potentially indefinite with renewals), in exchange for AI Training Program participation (which is not required for this General Referral Program).

Ambassador Program: Invitation-only; enhanced tools and benefits; indefinite commission period with contract renewals.

Note. Referrals of Love Creators (influencers) are not eligible for monetary commissions under this Annex.

1.2 No Purchase Requirement for Participation; AMOE Distinction

Participation as a referrer does not require the referrer to make purchases. However, because the Referral Program pays monetary commissions, Stripe Connect onboarding is mandatory for referrers to receive payouts (see Section 4 and Annex IV Section 2).

Distinction: Referring Lovelikers (free users) for Glory Points (non-monetary recognition in Glow Arena) does not require Stripe Connect; such referrals are governed by Annex VI, not this Annex.

No purchase necessary to participate in the Glow Arena AMOE path (Annex VI). Referral payouts under this Annex require Stripe Connect onboarding as a compliance step, not consideration under gaming/sweepstakes laws.

STATE SWEEPSTAKES REGISTRATION:
For Glow Arena Prizes (Annex VI), Lovelike has determined that:

• Program qualifies as "skill-based competition" (not sweepstakes/lottery)

• No purchase necessary (AMOE path via referrals or organic activity)

However, out of an abundance of caution, Lovelike may register in:

• Florida (if quarterly total prize value > $5,000)

• New York (if quarterly total prize value > $5,000)

• Rhode Island (all programs)

Registration does NOT change the skill-based nature of Glow Arena. It is merely a compliance formality.

Official Rules available at: lovelike.ai/glow-arena-rules

1.3 Glow Arena Distinction

Loveliker Referrals (free users):

• Do NOT generate referral commissions under this Annex;

• MAY BE GP-Eligible activities for Glow Arena (Annex VI Section 3.1.6(b)(iv) and Annex VI) earning Glory Points toward quarterly prizes.

Love Creator/Love Partner Referrals:

• DO generate monetary referral commissions under this Annex (if all conditions met);

• MAY ALSO generate Glory Points where disclosed in Annex VI (non-duplicative; separate scoring categories).

1.3.1 Glow Arena — Coming Soon (Informational Notice)

The "Glow Arena — Coming Soon" section is provided for informational purposes only and reflects only Lovelike's current planning and/or intent.

Lovelike does not undertake any obligation to launch, make available, maintain, complete, or implement Glow Arena, in whole or in part, within any specific timeframe (or at all). The reference to "coming soon" does not constitute a promise, guarantee, contractual commitment, or other binding representation that Glow Arena will be released.

Lovelike may, in its sole discretion, change, delay, suspend, modify, limit, discontinue, or cancel Glow Arena (and/or any related features) at any time, with or without notice, as permitted by applicable law and the Terms.

1.4 ANTI-PYRAMID CERTIFICATION:

The Lovelike Referral Program is NOT a pyramid scheme, multilevel marketing (MLM), or endless chain scheme.

Key Distinctions:

• ONLY ONE TIER: You earn commissions only on direct referrals (no downlines, no recruiting referrers)

• REAL SERVICES: Commissions based on referee's subscription fees or platform activity (genuine commercial services), not on recruiting participants

• NO PURCHASE TO PARTICIPATE: Referrers pay no fees to join (Stripe Connect is payment processing compliance, not consideration)

• NO INVENTORY: No product purchase requirements

State Compliance:

• California Civil Code § 1689.2 (pyramid schemes)

• Federal Trade Commission Act § 5 (Koscot test)

• No recruitment quotas or forced purchases

By participating, you certify that you understand this is a legitimate referral program, not a pyramid or MLM scheme.

SECTION 2. DEFINITIONS

2.1 Referrer

An existing eligible user enrolled in the Program (Love Creator, Love Partner, or other cohort explicitly authorized by Lovelike) who shares approved referral links/codes per this Annex.

2.2 Referee

A new prospective Love Partner who:

(a) completes the application;
(b) is approved by Lovelike;
(c) completes Stripe Connect onboarding (KYC/KYB); and
(d) achieves and maintains ACTIVE subscription status.

2.3 ACTIVE Subscription

For Love Partners (Referees):

• An active paid subscription in good standing (see Annex IV, Section 1).

Note: This definition applies only to Love Partners. Love Creators are not eligible for monetary referral commissions under this Annex.

2.4 Qualifying Referral

A referral that meets all attribution and eligibility conditions in Section 3 and Section 4, within applicable lookback and validation windows.

2.5 Attribution Systems and Signals

Lovelike's server-side tracking of:

• Referral codes/URLs;

• Application form data (unique "Referral Code/ID" field);

• Cookies (where permitted by applicable privacy laws);

• Account linkages and authentication flows.

As detailed in Section 3.2 and subject to Hierarchy of Evidence in Section 10.1.

SECTION 3. ELIGIBILITY, SCOPE, AND ATTRIBUTION

3.1 Scope Limitation

Eligible for Monetary Commissions

• Referrals of Love Partners (brands/merchants) only

Not Eligible for Monetary Commissions

• Referrals of Love Creators (influencers/content creators)

• Referrals of Lovelikers (free accounts)

Alternative Recognition for Loveliker Referrals:
Loveliker referrals are GP-Eligible under Annex VI (Glow Arena) and may earn Glory Points for the referrer, contributing to quarterly prizes and rankings. See Annex VI Section 3.1.6(b)(iv) and Annex VI for Glory Point values.

3.2 Attribution Rules

Primary Attribution: Server-side referral code/URL captured at application creation; unique application field for "Referral Code/ID."

Secondary Signals (Fallbacks):
(a) Authenticated clicks within 30 days (cookie-permitted where legally compliant under applicable state privacy laws);
(b) In-app invite flows;
(c) Manual attribution by compliance team where documentary proof exists (emails, screenshots, timestamped messages).

Conflict Resolution: In case of conflicting signals, Lovelike's server-side logs and attribution systems prevail, acting reasonably and in good faith, and subject to Hierarchy of Evidence in Section 10.1.

3.3 Lookback and Validation Windows

Lookback Window (Click to Application): 30 days from first attributed click/code entry to referee's application submission.
Approval Window (Application to Approval): Referee must be approved within 60 days of application submission.
Activation Window (Approval to ACTIVE + Stripe Connect): Referee must complete Stripe Connect onboarding and achieve ACTIVE subscription within 30 days of approval.
Maintenance Window (ACTIVE Through Payout Cutoff): Referee must remain ACTIVE through applicable payout cutoff(s) per Annex IV Section 5.

Example Timeline:

• Day 0: Prospect clicks referral link;

• Day 15: Prospect submits application (within 30-day lookback ✓);

• Day 45: Application approved (within 60-day approval window ✓);

• Day 60: Completes Stripe Connect + achieves ACTIVE status (within 30-day activation ✓);

• Day 90 (payout cutoff): Referee still ACTIVE → commission accrues.

3.4 Ineligible Structures

Prohibited referral patterns:

(a) Self-referrals: Referring your own alternate accounts or entities you control;
(b) Commonly controlled entities: Referrals between businesses/accounts with shared ownership or control (absent prior written approval from Lovelike Legal);
(c) Re-registrations: Creating new accounts to manipulate attribution or receive duplicate bonuses;
(d) Public coupon aggregators: Posting referral codes on mass coupon sites without clear context and required disclosures;
(e) Paid traffic cloaking: Using deceptive ad copy, redirects, or cloaking to obscure the referral nature of a link or promotion;
(f) Incentivized signups violating anti-spam/TCPA: Offering cash, prizes, or other incentives for signups in a manner that violates anti-spam, TCPA, or consent requirements;
(g) Misrepresentation: Falsely claiming official Lovelike affiliation, guaranteed approval, or inflated/guaranteed earning potential.

Consequences: Disqualification, forfeiture of commissions, and account suspension/termination pursuant to ToS Section 8 and this Annex Section 7.3.

Any attempt to circumvent eligibility windows or attribution systems (including recycled links or induced re-applications) may result in disqualification and sanctions under Section 7.3.

SECTION 4. CONDITIONS PRECEDENT (REFERRER AND REFEREE)

Cross-Reference: See Annex IV Section 2 for the Stripe Connect condition precedent and Annex IV Section 5 for payout cutoffs.

4.1 Referrer Prerequisites

To be eligible to earn and receive referral commissions, the referrer must:

(a) Maintain an active account in good standing under the ToS and applicable policies;
(b) Complete Stripe Connect onboarding (KYC/KYB, including OFAC/sanctions screening) and maintain a valid Connected Account;
(c) Be legally eligible to receive commissions and complete applicable tax documentation:

• U.S. persons: Form W-9 (TIN/SSN/EIN);

• Non-U.S. persons: Form W-8BEN (subject to 30% withholding unless a treaty exemption applies);

(d) Not be located in restricted territories (see Section 4.4).

4.2 Referee Prerequisites

To be a qualifying referral, the referee must:
(a) be approved by Lovelike as a Love Partner;
(b) complete Stripe Connect onboarding (including any required KYC/KYB);
(c) achieve ACTIVE subscription status (i.e., an active paid subscription); and
(d) satisfy any additional eligibility requirements specified in this Annex.

Note: Love Creators are not eligible as Referees for monetary commissions under this Annex.

4.3 Failure to Satisfy Conditions

If either party (referrer or referee) fails to satisfy the required conditions within the windows in Section 3.3, the referral is not qualifying.

Late compliance may qualify for future payout windows at Lovelike's discretion, but does not retro-qualify prior periods.

Example: If the referee completes Stripe Connect on Day 35 (5 days late), they may qualify for the next month's payout cutoff, but not the current month.

4.4 Geographic and Sanctions Restrictions

Participation is not available to:

(a) Persons located in, or nationals of, countries/regions subject to comprehensive U.S. sanctions, including: Cuba, Iran, North Korea, Syria, and the Crimea region of Ukraine;
(b) Persons appearing on the OFAC SDN List or other restricted party lists;
(c) Persons in jurisdictions where referral programs are prohibited or restricted by local law.

Lovelike conducts automated sanctions screening during Stripe Connect onboarding and may deny or suspend participation accordingly.

Ongoing Sanctions Monitoring

• Initial screening: during Stripe Connect onboarding

• Ongoing monitoring:

  • quarterly re-screening against updated SDN lists;

  • event-based screening upon geolocation changes; and

  • immediate suspension if a user is added to a restricted party list.

Russia-Specific Restrictions (Executive Order 14024)

Participation may be restricted on a case-by-case basis for:

• Russian nationals;

• persons operating in Russia or the Crimea/Donetsk/Luhansk regions; and/or

• entities majority-owned by Russian nationals.

Why: U.S. sectoral sanctions on Russia prohibit certain transactions. Lovelike reserves the right to deny participation based on OFAC guidance.

Users must immediately notify Lovelike if they:

• become subject to sanctions;

• their country of residence or nationality changes; or

• are contacted by OFAC or law enforcement.

Failure to disclose may result in account termination, commission forfeiture, and legal liability.

SECTION 5. COMMISSION STRUCTURE AND DISCOUNT HIERARCHY

5.1 Commission Models

Commissions are defined in the referrer dashboard at the time of click/code capture and are stored as a timestamped snapshot. The commission structure in effect at the time of attribution will apply, subject to these Terms.

(a) Love Partner Referral Commission (Referring Love Partners / Brands)

When you refer a Love Partner (brand/merchant) who becomes ACTIVE, you may earn commissions from the following revenue sources during the first three (3) months only after the referred Love Partner becomes ACTIVE (the 'Commission Period'). No commissions are paid beyond this 3-month period.

SOURCE 1 — SUBSCRIPTION

• Referrer Commission: 30% of Net Subscription Fees paid by the referred Love Partner during the Commission Period.

• Net Subscription Fees mean amounts actually received by Lovelike after (i) all discounts, coupons, and promotions (including the referee discount described below), and (ii) payment processing fees (including Stripe and any Stripe Connect fees), refunds, chargebacks, reversals, applicable taxes/withholding, and other transaction-related fees.

SOURCE 2 — CAMPAIGNS

• Referrer Commission: 9% of Net Total Campaign Value contracted and processed through the Lovelike platform by the referred Love Partner during the Commission Period.

• Net Total Campaign Value means amounts actually received by Lovelike in connection with campaign payments processed through the platform, calculated net of discounts (if any), payment processing fees (including Stripe/Stripe Connect fees), refunds, chargebacks, reversals, applicable taxes/withholding, and other transaction-related fees.

Referee Benefit (Love Partner / Brand)

• The referred Love Partner receives a 15% discount on subscription fees for the first three (3) months, unless superseded by a higher promotional discount under the discount hierarchy rules in Section 5.4 (if applicable).

(b) No Commissions for Sales / Marketplace Activity

No referral commissions are paid under this Annex based on direct product sales, marketplace/store sales, affiliate sales, or similar sales-volume activity, unless Lovelike expressly updates these Terms in writing.

(c) No Creator Referral Commission / No Creator Referee Benefit

No commissions are paid for referrals of Love Creators (influencers/content creators) under this commission model, and no referee benefits (including any "boost" to creator commission rates) apply to referred Love Creators under this Annex, unless expressly stated otherwise in the referrer dashboard and/or updated Terms.

(d) Payout Timing (Subscription and Campaign Commissions)

Commissions for SOURCE 1 (Subscription) and SOURCE 2 (Campaigns) accrue as the applicable net amounts are received and cleared, and are paid according to the payout schedule in Section 6, subject to Stripe Connect requirements, payout cutoffs, holdbacks, clawbacks, refunds/chargebacks, and other limitations described in these Terms and Annex IV.

(e) Florida Expiring Discount Notice (FDUTPA Compliance)

For Florida residents: the 15% referral discount for referred Love Partners expires after three (3) months. Upon expiration, standard pricing automatically applies. Lovelike may provide notices (including 30 days prior, 7 days prior, and on the expiration date). No action is required to cancel; standard rates apply after three (3) months.

5.2 Commission Triggers

Initial Trigger (to begin eligibility and accrual): Commissions begin to accrue only after all of the following occur:

1. the referee completes onboarding; and

2. the referee completes Stripe Connect verification; and

3. the referee achieves ACTIVE status.

Ongoing Triggers (where applicable): After the Initial Trigger, continued accrual (if any) depends on:

• the referee remaining ACTIVE as of each monthly payout cutoff; and/or

• any additional revenue-linked milestone events disclosed in the applicable offer (e.g., the referee's first funded campaign, first product sold).

Accrual and Adjustments: Commissions accrue upon each applicable trigger event, but remain subject to holdbacks and clawbacks as described in Annex IV Section 8 and this Annex Section 8.

5.3 Caps and Ceilings

Program-level caps: Lovelike may apply a maximum total amount of referral commissions per quarter (for example, $10,000 across all referrers). Program-level caps may be adjusted based on program performance and will be announced via the dashboard.

Per-referrer caps: Lovelike may apply limits on the maximum commissions payable to a single referrer per month and/or per quarter (for example, $1,000 per month). Any applicable per-referrer cap will be displayed in the referrer dashboard.

Per-referee caps: Lovelike may apply a maximum commission amount attributable to any single referee (for example $100) to prevent disproportionate costs from high-value referrals.

Cap exhaustion: If a cap is reached, Lovelike may pause new attributions. Notice may be provided via the Platform UI and/or email. Qualifying referrals attributed prior to the pause will be honored through completion, subject to these Terms.

5.4 Discount Hierarchy and Commission Precedence

(a) Referee Discount (Love Partners)

A referred Love Partner is eligible for a 15% referral discount on subscription fees. If other promotional discounts are available at checkout (e.g., a 20% site-wide coupon), the system will apply the discount that provides the higher value to the referee.

(b) Referrer Commission Eligibility (Discount Does Not Break Attribution)

The referrer remains eligible for commission regardless of which discount is applied, provided the referrer's code/link was captured at application in accordance with Section 3.2.

(c) Commission Basis (Calculated on Final Net Amount Paid)

The referrer's subscription commission is calculated based on the final Net Subscription Revenue actually paid by the referee after the highest-value discount is applied (and net of applicable deductions as defined in these Terms).

Illustrative example (discount selection and commission calculation):

For purposes of clarity, the following example demonstrates how the discount hierarchy is applied and how the Net Subscription Fees are calculated for commission purposes:

(i) Discount Determination:

Result: The Promotional Coupon applies because it provides the greater value to the Referee ($20.00 > $15.00). The final amount payable by the Referee is $80.00.

(ii) Referrer Commission Calculation (illustrative):

Based on the final amount paid of $80.00, the commission is calculated as follows:

Note: Per Section 5.4(b), the referrer remains eligible for commission regardless of which discount is applied, provided the referrer's code/link was captured at application.

(d) Program Priority (No Stacking With Ambassador)

Benefits under the Ambassador Program (Annex I) have higher priority. If an Ambassador benefit is applied to a transaction, referral commissions under this Annex VII do not apply to that same transaction.

SECTION 6. PAYMENTS, SCHEDULE, AND METHOD

Cross-Reference: See Annex IV Section 5.1 for the global payment calendar and cutoff windows.

6.1 Method

Payments are made exclusively through Stripe Connect to referrers with verified Connected Accounts. No alternative payment methods are supported (including checks, wire transfers, PayPal, cryptocurrency, or similar methods).

6.2 Schedule

Payouts are processed automatically on the 15th and the last U.S. business day of each month (Eastern Time), subject to eligibility requirements and payout cutoffs described in Annex IV Section 5.

Cutoff time: Eligibility determined by 11:59 p.m. ET on the prior US business day.

6.3 Thresholds and Holdbacks

Minimum payout threshold: $10 (may be adjusted and will be displayed in the dashboard).

• If your payable balance is below the threshold, it will roll over and accumulate into the next payout cycle.

Preventive holdbacks: Lovelike may delay payouts for up to 90 days in connection with fraud risk, compliance reviews, or payment processor requirements (see Annex IV Section 8.1).

Rolling reserves: Lovelike may retain a rolling reserve of 5%–10% for 30–90 days, depending on the applicable risk profile (see Annex IV Section 8.5).

Holdback period: A standard holdback of 3 days applies after a referee first achieves ACTIVE status; this may be extended up to 10 days for higher-risk accounts (see Annex IV Section 8.3).

Minimum thresholds, holdback durations, and reserve parameters are disclosed in the dashboard and may vary by region and payment processor risk policies.

6.4 Taxes and Reporting

Tax Forms and Withholding

• U.S. referrers: A completed Form W-9 is required. Lovelike will issue Form 1099-NEC if commissions are ≥ $600 in a calendar year.

• Non-U.S. referrers: A completed Form W-8BEN is required. 30% withholding applies unless a valid treaty exemption is documented.

• Where applicable, Lovelike may also issue Form 1099-K consistent with then-current IRS/state thresholds and the program's classification.

Issuance timing: Applicable tax forms are issued by January 31 following the end of the tax year.

Referrer Responsibilities

You are responsible for:

• reporting all commission income on your tax returns;

• paying quarterly estimated taxes where required; and

• consulting a qualified tax professional for jurisdiction-specific guidance.

6.4.1 Dual 1099 Scenario (1099-NEC and 1099-K)

Some referrers may receive both:

• Form 1099-NEC from Lovelike (commissions), and

• Form 1099-K from Stripe (payment processing reporting).

Important: Do not report the same income twice.

Reconciliation approach: Compare the amounts on both forms.

• If the 1099-K amount is greater than or equal to the 1099-NEC amount, the 1099-K may already include the amounts reflected on the 1099-NEC.

• If the 1099-NEC includes amounts not reflected on the 1099-K, you may need to report the difference as additional income.

If you are unsure how to reconcile the forms, consult a tax professional and refer to IRS Publication 525 (Taxable and Nontaxable Income).

SECTION 7. FRAUD PREVENTION, MONITORING, AND SANCTIONS

7.1 Controls

Automated detection. Lovelike may use automated systems to identify suspected fraud and abuse, including:

• Self-referrals: cross-matching indicators such as IP addresses, device fingerprints, and payment methods;

• Bot or non-human traffic: analysis of click patterns, user-agent strings, and behavioral anomalies;

• Anomalous conversion rates: flagging referrers with unusually high conversion rates (e.g., above 20% compared to an approximate organic average of 5%);

• Linked entities: analysis of relationships suggesting common control, including shared ownership signals, addresses, bank accounts, or other account linkages.

Periodic audits. Lovelike may conduct periodic reviews, including:

• random sampling of higher-value referrals;

• investigation of accounts flagged by automated systems; and

• use of third-party fraud and risk analytics where appropriate.

Manual review. Flagged matters may be reviewed by Lovelike's compliance team. Lovelike may request supporting documentation, which may include proof of relationship, marketing materials, or other information reasonably necessary to verify compliance.

7.2 Community Reporting

Reporting channel: Reports of suspected referral fraud may be submitted by email to support@lovelike.ai.

Email format:

• Subject line: "Referral Fraud Report – [Brief Description]"

• Include (where available): relevant URLs, usernames, evidence or screenshots, and timestamps.

Reports may be anonymized where feasible, subject to investigative needs and applicable privacy laws.

Protection: Good-faith reporters are protected from retaliation consistent with the ToS and applicable law.

7.3 Sanctions

If Lovelike confirms fraud or a violation of these Terms or applicable policies, Lovelike may take one or more of the following actions:

(a) Benefit suspension: immediate hold on pending or unpaid commissions;
(b) Commission forfeiture / clawback: reversal and recovery of commissions, including clawback of amounts already paid (up to 180 days, per Annex IV Section 8.2);
(c) Account suspension or termination: as permitted under ToS Section 8;
(d) Additional legal action: which may include a repayment demand for improperly obtained funds, reporting to law enforcement where criminal activity is suspected, and/or civil litigation for breach of contract and/or fraud.

Proportionality: Sanctions are applied in a manner intended to be proportionate to severity and intent. Minor first-time violations may result in a warning, while serious or repeated violations may result in permanent suspension and full clawback.

SECTION 8. CLAWBACKS, CHARGEBACKS, AND HOLDBACKS

Cross-Reference: See Annex IV Section 8 for the comprehensive clawback/chargeback framework.

8.1 Clawback Events

Lovelike may reverse and recover (claw back) commissions if any of the following occurs:

(a) the referee cancels their subscription or downgrades to a non-qualifying tier within 180 days;
(b) the referee's payment is charged back, reversed, or otherwise not successfully settled;
(c) fraud is detected involving the referrer and/or the referee;
(d) the referee's account is suspended or terminated for violations of the ToS or related policies; or
(e) an attribution error is discovered after payout (e.g., the wrong referrer was credited).

8.2 Clawback Window and Recovery Method

Window: Clawbacks may be applied for up to 180 days from the original commission payout date.

Recovery method: Clawbacks may be collected by:

• deducting amounts from future commissions otherwise payable to the referrer; and/or

• issuing a direct invoice or repayment demand if insufficient future commissions are available.

8.3 Holdback Period

Standard holdback: 3 days after the referee first achieves ACTIVE status.

Extended holdback: up to 10 days for higher-risk referrals (including, for example, new referrers, unusually high-value activity, or anomalous behavior).

Purpose: Holdbacks provide time for initial payment verification and fraud/compliance checks.

8.4 Chargeback Responsibility

The referrer is not responsible for chargebacks on the referee's subscription payments unless:

(a) the referrer participated in fraud (including self-referrals or use of fake accounts); or
(b) the referrer misrepresented program terms in a way that induced the referee to sign up.

If either exception applies, Lovelike may impose full clawback, which may include recovery of the original commission and any related platform losses to the extent permitted by law and these Terms.

8.5 Rolling Reserves

As a preventive risk-control measure, Lovelike may withhold a rolling reserve of 5%–10% of accrued commissions for 30–90 days, based on factors that may include:

• the referrer's account history (e.g., new vs. established);

• referee retention rates; and

• payment dispute frequency.

Release: Rolling reserves are released according to the schedule shown in the dashboard, provided there are no unresolved disputes or other issues during the hold period.

SECTION 9. PROGRAM MODIFICATIONS AND TERMINATION

9.1 Right to Modify

Lovelike may modify commission rates, eligibility criteria, caps, and/or other program terms, subject to the notice standards below.

Notice periods:

• Material changes (e.g., reducing commission rates): 30 days' advance notice.

• Minor changes (e.g., dashboard or UI updates): 7 days' notice.

• Immediate effectiveness: changes may take effect immediately where required for fraud prevention or to comply with legal or regulatory obligations.

Grandfathering (discretionary):

• Referrals that are already qualifying and in progress (i.e., the referee became ACTIVE before the effective date of the change) may be grandfathered under the prior terms for up to 90 days, at Lovelike's discretion.

• Referrals captured on or after the effective date are governed by the updated terms.

How notice will be provided:

• email to the referrer's registered email address;

• a banner or notice within the platform dashboard; and/or

• posting an updated Annex VII at lovelike.ai/terms.

9.2 Program Termination

Lovelike may terminate the Referral Program in its entirety with 90 days' advance notice, except where termination is for cause.

Termination for cause (immediate): Lovelike may terminate the program immediately if, for example:

• referral programs become illegal or prohibited in a relevant jurisdiction;

• fraud becomes pervasive such that the program is no longer sustainable; or

• Lovelike undergoes a shutdown, acquisition, or similar platform-level change.

Outstanding commissions at termination:

• accrued and otherwise eligible commissions through the termination effective date will be paid on the normal payout schedule, subject to all cutoffs, holdbacks, and clawbacks;

• referrals that have not yet achieved ACTIVE status by the termination effective date will not accrue additional commissions after termination.

SECTION 10. DISPUTE RESOLUTION

10.1 Hierarchy of Evidence

In the event of a dispute regarding attribution or commission eligibility, Lovelike shall evaluate evidence according to the following hierarchy of weight:

(a) Server-Side Logs (Highest Weight): Timestamped referral code captures in the application database; Stripe Connect verification records; and ACTIVE status snapshots at payout cutoffs.

(b) Authenticated Cookies: Cookie-based click attribution within the applicable 30-day window, subject to privacy law compliance and availability in the relevant jurisdiction.

(c) Manual Documentation: Emails, screenshots, and social media messages (provided they are timestamped and verifiable), subject to fraud screening and verification by Lovelike.

10.2 Initial Review Process

(a) Dispute Submission: Disputes must be submitted via email to support@lovelike.ai with the subject line: "Referral Commission Dispute - [Referrer Username]". The submission must include the Transaction ID, referee email address, claimed attribution evidence, and the requested resolution.

(b) Review Timeline: Lovelike will provide an initial response within five (5) business days. The investigation is typically completed within thirty (30) days, though this period may be extended for complex cases.

(c) Resolution Options: Upon review, Lovelike may: (i) uphold the original decision; (ii) adjust the commission (partial credit); or (iii) grant full credit with an explanation.

10.3 Escalation Procedure

If the Referrer is dissatisfied with the outcome of the Initial Review, the matter may be escalated as follows:

(a) Escalation to Legal/Compliance: The Referrer must email support@lovelike.ai with the subject line: "Escalated Referral Dispute - [Case ID]".

(b) Additional Review: The Legal/Compliance team will conduct an additional review, which may take up to thirty (30) days.

(c) Final Decision: The decision resulting from this escalation is binding upon the parties unless arbitration is invoked pursuant to Section 10.4.

10.4 Binding Arbitration and General Terms Incorporation

All disputes arising from or relating to this Referral Program are subject to the dispute resolution provisions of the General Terms of Service, which are incorporated herein by reference. These provisions include, without limitation:

• Binding individual arbitration administered by JAMS;

• Delaware venue and governing law;

• Class Action Waiver (disputes must be brought individually);

• 30-Day Opt-Out Procedure; and

• Fee allocation provisions.

See General Terms of Service for complete dispute resolution terms. The procedures, timelines, and requirements set forth therein apply fully to this Annex VII, supplemented by the program-specific provisions in Sections 10.1–10.3 above.

Small Claims Exception: Notwithstanding the foregoing, either party may pursue qualifying claims in small claims court as provided in the General Terms of Service.

SECTION 11. COMPLIANCE WITH LAWS

11.1 FTC Endorsement Guides

Referrers must comply with FTC 16 CFR Part 255 (Guides Concerning the Use of Endorsements and Testimonials in Advertising).

(a) Material Connection Disclosure

When sharing referral links, you MUST clearly and conspicuously disclose:

• That you earn commissions from referrals;

• Your relationship with Lovelike (e.g., "Lovelike Partner," "I earn commission").

Disclosure Placement:

• Social Media: In post caption or video overlay (not just bio);

• Blogs/Websites: Near referral link (not buried in footer);

• Videos: Verbal disclosure + visual disclosure in first 30 seconds;

• Email: In email body near link (not separate document).

Disclosure Language:

✅ ACCEPTABLE:

• "I earn commission if you sign up using my link #ad #LovelikePartner"

• "Lovelike Partner - I get paid for referrals #ad"

• "This is a paid partnership with Lovelike"

❌ UNACCEPTABLE:

• "#partner" (too vague)

• "Thanks Lovelike!" (doesn't disclose compensation)

• Disclosure in separate Instagram bio (too far from link)

(b) Dual Disclosure (Gifted + Commission)

If you receive free products AND earn referral commissions, disclose BOTH:

Example:

"Thanks @BrandName for gifting me this product! 💕 I'm also a Lovelike Partner, so I earn commission if you buy using my link. #gifted #ad #LovelikePartner [LINK]"

11.2 CAN-SPAM Act (Email Marketing)

If you promote referral links via email, you must comply with 15 U.S.C. § 7704 (CAN-SPAM Act).

Requirements:

(a) No False/Misleading Headers: "From," "To," "Reply-To" must accurately identify sender;
(b) Accurate Subject Line: Subject must reflect email content;
(c) Clear "Advertisement" Label: If promotional content, must be clearly labeled;
(d) Physical Postal Address: Include your valid physical postal address in footer;
(e) Opt-Out Mechanism: Provide clear unsubscribe link, honored within 10 business days;
(f) Third-Party Compliance: If using email service provider, ensure they comply with CAN-SPAM.

Penalty: Up to $50,120 per violation (2024 FTC penalty rates).

11.3 TCPA (SMS/Text Marketing)

If you promote referral links via SMS/text, you must comply with 47 U.S.C. § 227 (Telephone Consumer Protection Act).

Requirements:

(a) Express Written Consent: Obtain express written consent before sending promotional texts using autodialer or prerecorded voice;
(b) Opt-Out Mechanism: Provide clear opt-out (e.g., "Reply STOP to unsubscribe");
(c) Time Restrictions: No texts before 8am or after 9pm recipient's local time;
(d) Identification: Clearly identify yourself as sender.

Penalty: $500–$1,500 per text (statutory damages); treble damages for willful violations.

11.4 State Privacy Laws

Referrers must comply with applicable state privacy laws when collecting/using prospect data:

(a) California (CCPA/CPRA):

• If you collect personal information of California residents for referral purposes, you may be subject to CCPA/CPRA;

• Must provide privacy notice and honor opt-out requests;

• See California Civil Code § 1798.100 et seq.

(b) Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA):

• Similar requirements if you process personal data of residents in these states;

• Must provide privacy notices and honor opt-out rights.

Lovelike Recommendation: If you actively collect prospect data (emails, phone numbers) for referral marketing, consult privacy counsel to ensure compliance.

11.5 Anti-Spam and Unsolicited Contact

Prohibited:

(a) Sending unsolicited bulk emails or texts promoting referral links;
(b) Adding prospects to email lists without consent;
(c) Using purchased/scraped email lists for referral promotions;
(d) Cold-calling or cold-texting without prior relationship or consent.

Consequence: Account termination, commission forfeiture, legal liability under CAN-SPAM/TCPA.

11.6 Product Claims and Safety

If you make product claims when promoting Lovelike:

(a) Claims must be truthful and substantiated;
(b) Cannot make health/safety claims unless supported by science;
(c) Must comply with FTC Truth in Advertising standards.

Example:

❌ PROHIBITED: "This skincare cures acne!" (unsubstantiated health claim)

✅ ACCEPTABLE: "I love this skincare! Here's my experience..." (personal testimonial)

11.7 Intellectual Property

You may use Lovelike trademarks/logos ONLY as provided in Brand Guidelines.

Prohibited:

(a) Using Lovelike logo in ways suggesting official endorsement beyond referral relationship;
(b) Modifying Lovelike trademarks without permission;
(c) Registering domain names confusingly similar to Lovelike trademarks;
(d) Bidding on Lovelike trademarks in paid search (Google Ads) without authorization.

Consequence: Immediate disqualification, trademark infringement claims.

SECTION 12. LIMITATIONS OF LIABILITY

12.1 Maximum Liability

To the maximum extent permitted by law, Lovelike's total aggregate liability to any referrer for all claims arising out of or relating to this Referral Program is limited to the total commissions paid to that referrer during the twelve (12) months immediately preceding the event giving rise to the claim.

This limitation applies regardless of the legal theory asserted (including contract, tort, negligence, strict liability, or otherwise).

12.2 Excluded Damages

To the maximum extent permitted by law, Lovelike will not be liable for:

(a) Indirect, incidental, consequential, special, exemplary, or punitive damages, including without limitation:

• lost profits beyond the commission amounts payable under these Terms;

• loss of business opportunities;

• reputational harm; or

• emotional distress.

(b) Damages or losses resulting from, or relating to:

• a referee's failure to complete Stripe Connect onboarding or verification;

• a referee's cancellation, non-payment, or payment failure;

• changes to commission rates or program terms as permitted under Section 9;

• technical errors, bugs, platform downtime, or service interruptions; or

• actions or failures of third parties (including Stripe and other payment processors), such as payment processing failures.

12.3 Force Majeure

Lovelike is not responsible or liable for delays or failures in performance (including delays in commission payments) caused by events beyond Lovelike's reasonable control, including, for example:

• natural disasters, pandemics, war, terrorism, or civil unrest;

• governmental actions, orders, or legal prohibitions;

• failures by internet service providers or hosting providers;

• outages or disruptions affecting Stripe or other payment processors; or

• cyberattacks, security incidents, or breaches.

Effect: Where force majeure applies, commission payment timelines may be extended, and Lovelike will have no liability for delays attributable to the force majeure event.

SECTION 13. INDEMNIFICATION

13.1 Referrer Indemnification Obligation

You agree to indemnify, defend, and hold harmless Lovelike and its affiliates, and each of their respective officers, directors, employees, and agents, from and against any and all claims, demands, actions, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

(a) your violation of this Annex VII, including without limitation:

• prohibited activities and fraud-related conduct (including conduct addressed in Section 7.3);

• failures to comply with FTC disclosure requirements (Section 11.1);

• violations of CAN-SPAM or TCPA requirements (Sections 11.2–11.3); and/or

• misuse of intellectual property or brand assets (Section 11.7);

(b) your marketing materials, statements, guarantees, or representations about Lovelike or the Referral Program;

(c) your violation of any applicable law, rule, or regulation in connection with your referral activities; and/or

(d) third-party claims arising from your referral activities, including claims by prospects or users alleging spam, unlawful outreach, misrepresentation, or other misconduct.

13.2 Indemnification Procedure

For claims subject to indemnification, Lovelike will:
(a) provide you with reasonably prompt notice of the claim;
(b) allow you to control the defense of the claim using counsel of your choice; and
(c) provide reasonable cooperation in connection with the defense, at your expense.

Lovelike may participate in the defense with its own counsel at Lovelike's expense.

13.3 Settlement Restrictions

You may not settle any indemnified claim without Lovelike's prior written consent if the settlement:

• admits liability or wrongdoing on behalf of Lovelike;

• imposes any obligation (monetary or otherwise) on Lovelike; or

• does not include a full release of Lovelike.

SECTION 14. MISCELLANEOUS

14.1 Entire Agreement

This Annex VII, together with the following documents (as applicable):

• the main Terms of Service (ToS);

• Annex IV (Payment Terms);

• Annex VI (Glow Arena) (including terms applicable to Loveliker referrals and Glory Points); and

• the Privacy Policy,

constitutes the entire agreement between you and Lovelike regarding the Referral Program, and supersedes all prior or contemporaneous agreements, proposals, representations, and understandings on that subject.

14.2 Severability

If any provision of this Annex VII is held to be invalid or unenforceable, that provision will be:

• modified to the minimum extent necessary to make it enforceable; or

• if modification is not possible, severed.

All remaining provisions will remain in full force and effect.

14.3 Waiver

Lovelike's failure to enforce any provision at any time does not waive its right to enforce that provision later.

No waiver is effective unless it is in writing and signed by an authorized Lovelike representative.

14.4 Assignment

You may not assign or transfer any rights or obligations under this Annex VII without Lovelike's prior written consent.

Lovelike may assign this Annex VII:

• to an affiliate or subsidiary;

• in connection with a merger, acquisition, reorganization, or sale of assets; and/or

• to any successor entity.

Any permitted assignment will not reduce your rights, and the assignee will assume Lovelike's obligations under this Annex VII.

14.5 Governing Law

This Annex VII is governed by the laws of the State of Delaware, without regard to conflict-of-law principles.

14.6 Notices

All notices under this Annex VII must be provided as follows:

To Lovelike:

• Email: support@lovelike.ai

• For legal notices, include: "LEGAL NOTICE – ANNEX VII" in the subject line.

To you (Referrer):

• Email: the email address registered to your Lovelike account.

When notices are effective:

• Email notices: effective upon sending, provided there is no delivery failure notice.

• Platform UI notices: effective upon posting to your dashboard.

14.7 Survival

The following sections survive termination of this Annex VII or termination of your account:

• Section 6.4 (Tax Reporting)

• Section 7 (Fraud Prevention)

• Section 8 (Clawbacks)

• Section 10 (Dispute Resolution)

• Section 12 (Limitation of Liability)

• Section 13 (Indemnification)

14.8 Headings

Headings are for convenience only and do not affect interpretation.

14.9 Counterparts / Electronic Acceptance

This Annex VII may be accepted electronically (including by checkbox or similar affirmative acceptance) and, once accepted, forms a binding agreement.

SECTION 15. ACKNOWLEDGMENT AND ACCEPTANCE

By clicking "I Accept" or otherwise participating in the Referral Program, you acknowledge and agree that:

• you have read and understood this entire Annex VII;

• commissions are not guaranteed, and many participants may earn little or nothing;

• this is a new program and may not have historical earnings data;

• you will comply with FTC disclosure requirements, CAN-SPAM, TCPA, and all other applicable laws and policies;

• you will complete Stripe Connect onboarding, including KYC/KYB verification, as required to receive payouts;

• you are responsible for reporting commission income on your tax returns;

• you understand and accept the clawback and holdback policies;

• you agree to binding individual arbitration, unless you validly opt out within 30 days as described in these Terms;

• you waive any right to bring or participate in class, collective, consolidated, or representative actions to the extent permitted; and

• you accept the limitations of liability and indemnification obligations described in these Terms.

Your acceptance constitutes a legally binding agreement.

END OF DOCUMENT