These terms and conditions (“Terms”) govern the affiliate relationship between Catherine Morgan Limited, a company registered in Jersey, Channel Islands (company number 137407), whose registered office is at 1–3 Colomberie, St Helier, Jersey, JE2 4QB, trading as The Money Panel (“the Provider”, “We”, “Us”, “Our”) and the individual or entity applying to participate in the Financial Coach Certification Affiliate Programme (“the Affiliate”).

Payments under this Agreement are processed through The Money Panel Ltd, a company registered in England and Wales (company number 10267198), whose registered office is at 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ, acting solely as payment processing agent on behalf of Catherine Morgan Limited. All services, obligations, and liability under this Agreement remain with Catherine Morgan Limited.

By ticking the acceptance box and registering as an Affiliate, the Affiliate confirms acceptance of these Terms in full.

1. Definitions and Interpretation

1.1  For the purposes of this Agreement, unless the context otherwise requires, the following expressions have the following meanings:

Affiliate Link means any unique tracking URL provided to the Affiliate by the Provider through the ThriveCart affiliate platform, which attributes Referred Customers to the Affiliate. The Provider issues more than one such URL to each Affiliate, including a tracking URL for the Taster Session and tracking URLs for each Programme and payment option, and each of them is an Affiliate Link for the purposes of these Terms;

Affiliate Programme means the Financial Coach Certification Affiliate Programme operated by the Provider, as described in these Terms;

Alumni Membership means the optional continuing membership available to participants after expiry of the initial twelve (12) month access period, as provided for in the Programme Terms;

CeFC means the Certified Financial Coach designation awarded by the Provider to participants who complete Pathway 2 and satisfy the Provider’s certification requirements;

Cohort means a scheduled live delivery of a Programme running between published start and end dates;

Commission means the payment due to the Affiliate as set out in clause 4 and Schedule 1;

Confidential Information means any information disclosed by one party to the other in connection with this Agreement which is marked as confidential or which ought reasonably to be considered confidential, including business strategies, pricing, client information, marketing materials, and proprietary methodologies;

Cookie Window means the twelve (12) month period from the date a prospective customer first clicks an Affiliate Link, during which a subsequent purchase shall be attributed to the Affiliate;

Data Protection Legislation means the Data Protection (Jersey) Law 2018, the UK General Data Protection Regulation, the Data Protection Act 2018, and any applicable equivalent legislation in the jurisdiction of the Affiliate or the Referred Customer, including the California Consumer Privacy Act (CCPA), the Canadian Personal Information Protection and Electronic Documents Act (PIPEDA), and the Australian Privacy Act 1988;

Early Bird Deposit means a deposit paid in advance to secure a place on a specified future Cohort, as defined in and governed by the Programme Terms;

Excluded Customer means a person falling within clause 4.5, in respect of whom no Commission is payable;

Intellectual Property means all patents, copyrights, design rights, trademarks (including The Money Panel®, Money Narratives Clearing® and Money StoryTypes®), trade names, logos, domain names, trade secrets, know-how, and all other intellectual property rights of whatever nature;

Mapping Call means a one-to-one call between a prospective participant and the Provider, or a representative of the Provider, held to discuss that person’s suitability for or enrolment on the Programme, however such a call may be described by the Provider from time to time;

Programme means the Pathway 1 Coaching Tools Programme and/or the Pathway 2 Certification Programme, as detailed in Schedule 1;

Programme Terms means the terms and conditions and licensing agreement between the Provider and a participant, governing the Provider’s delivery of the Programme, as amended from time to time;

Referred Customer means any individual who purchases a Programme having been directed to any sales page, landing page, registration form, or checkout of the Provider via an Affiliate Link within the Cookie Window, including the registration page for the Taster Session, and who is not an Excluded Customer;

Sale Price means the amount actually paid by a Referred Customer for a Programme, net of any discount applied and exclusive of any applicable taxes;

Taster Session means the free introductory online session offered by the Provider from time to time as an introduction to the Programme, however that session may be described by the Provider.

2. Appointment and Scope

2.1  Subject to these Terms, the Provider appoints the Affiliate as a non-exclusive affiliate to promote the Programme to the Affiliate’s audience and network.

2.2  This appointment is personal to the Affiliate and shall not be assigned, transferred, or sub-licensed without the prior written consent of the Provider.

2.3  Nothing in these Terms shall constitute the Affiliate as an employee, agent, partner, or joint venture partner of the Provider. The Affiliate shall not hold itself out as such, nor shall the Affiliate make any commitments or enter into any agreements on behalf of the Provider.

2.4  The Affiliate acknowledges that the Provider may appoint other affiliates and may promote the Programme directly or through other channels at any time.

2.5  The Affiliate’s participation in the Affiliate Programme does not create any obligation on the part of the Provider to continue operating the Programme, to run any particular Cohort, or to maintain any particular pricing structure.

2.6  The Affiliate Programme is open to any individual or entity accepted by the Provider. The Provider reserves the right to decline any application, or to withdraw any Affiliate from the Affiliate Programme, at its sole discretion.

2.7  This Agreement governs the Affiliate’s promotion of the Programme only. It confers no right to participate in, access, or receive any part of the Programme itself.

3. Affiliate Obligations

3.1  The Affiliate shall:

3.1.1  promote the Programme in a professional, ethical, and lawful manner consistent with the Provider’s brand values and reputation;

3.1.2 use only an Affiliate Link provided by the Provider to track referrals;

3.1.3  ensure all marketing materials, social media posts, emails, and other promotional content comply with these Terms and all applicable laws and regulations in the Affiliate’s jurisdiction;

3.1.4  clearly disclose the affiliate relationship in all promotional content in compliance with applicable advertising standards and consumer protection legislation, including (where applicable) the FTC Endorsement Guidelines (USA), the ASA CAP Code (UK), and the Canadian Competition Act;

3.1.5  not make any claims, representations, or guarantees about the Programme that have not been expressly approved by the Provider in writing;

3.1.6  not engage in any activity that could damage the reputation or goodwill of the Provider, the Programme, or any of the Provider’s trademarks;

3.1.7  comply with all applicable Data Protection Legislation in relation to any personal data processed in connection with the Affiliate Programme.

3.2  The Affiliate shall not:

3.2.1  use paid advertising (including pay-per-click, paid social media advertising, or display advertising) that bids on, targets, or uses the Provider’s trademarks, brand names, or variations thereof (including “The Money Panel”, “Catherine Morgan”, “Money Narratives Clearing”, “Money StoryTypes”, or “Certified Financial Coach”) as keywords, in ad copy, or in display URLs;

3.2.2  send unsolicited bulk email (“spam”) or engage in any form of unsolicited messaging to promote the Programme;

3.2.3  use cookie-stuffing, forced clicks, pop-ups, pop-unders, or any other deceptive or manipulative tracking methods;

3.2.4  create websites, landing pages, or social media profiles that could be confused with the Provider’s official websites or social media presence;

3.2.5  offer cashback or rebates from Commission to induce purchases, unless expressly approved by the Provider in writing;

3.2.6  represent itself as an official employee or representative of the Provider beyond the Affiliate’s status under this Agreement;

3.2.7  make any representations that the Programme constitutes financial advice, therapeutic treatment, medical treatment, or any form of regulated activity;

3.2.8  represent that completion of the Programme, or the award of the CeFC designation, authorises, licenses, or qualifies any person to carry on regulated financial services activity, to provide regulated financial advice, or to hold themselves out as a regulated adviser in any jurisdiction;

3.2.9  misrepresent the nature or scope of the Programme’s CISI CPD accreditation, including by describing the Programme as a regulated qualification, a degree, a chartered designation, or an award conferred by any body other than the Provider;

3.2.10  make any representation, projection, or guarantee as to the income, client numbers, business results, or professional outcomes that any Referred Customer may achieve as a result of participating in the Programme;

3.2.11  state or imply that the Affiliate has completed the Programme, holds the CeFC designation, or has been trained in the Provider’s methodology, unless that is the case.

3.3  Regulated Affiliates. Where the Affiliate is authorised, registered, or otherwise regulated by a financial services regulator in any jurisdiction, or is employed by or an appointed representative of such a firm, the Affiliate shall:

3.3.1  satisfy itself that its participation in the Affiliate Programme and its receipt of Commission are permitted under the rules of its regulator and the policies of its firm;

3.3.2  make any disclosure of the Commission arrangement required by those rules or policies to its own clients;

3.3.3  not present the Programme, or any promotion of it, as a personal recommendation or as regulated advice.

3.4  The Provider gives no advice, assurance, or opinion as to whether the Affiliate’s participation is permitted under any regulatory regime or employment arrangement applicable to the Affiliate. Responsibility for that assessment rests solely with the Affiliate.

4. Commission

4.1  The Provider shall pay the Affiliate a Commission of twenty per cent (20%) of the Sale Price for each Referred Customer who purchases a Programme, as further detailed in Schedule 1.

4.2 Commission shall be attributed to the Affiliate where a Referred Customer completes a purchase within the Cookie Window of twelve (12) months from the date the Referred Customer first clicks an Affiliate Link. Where a prospective customer clicks multiple Affiliate Links from different affiliates, the last click prior to purchase shall determine the attributing Affiliate. For the avoidance of doubt, a click on the Affiliate Link for the Taster Session attributes a subsequent purchase of a Programme to the Affiliate in the same way as a click on any other Affiliate Link.

4.3  Commission tracking shall be managed through the ThriveCart affiliate platform. The Affiliate acknowledges that the ThriveCart system shall be the sole and definitive method for tracking and attributing referrals, and the Provider shall not be liable for any technical failures, cookie deletions, or tracking issues beyond its reasonable control.

4.4  Where the Affiliate believes a sale has not been automatically tracked but should be attributed to the Affiliate, the Affiliate shall notify the Provider at support@themoneypanel.co.uk within fourteen (14) days of the relevant purchase. The Provider shall use reasonable endeavours to investigate and, where appropriate, manually allocate the sale, but cannot guarantee that manual allocation will be possible in all circumstances.

4.5  Excluded Customers. No Commission shall be payable in respect of any purchase where, at the date on which the Affiliate Link was first clicked by that purchaser, the purchaser:

4.5.1  had booked or attended a Mapping Call, or any other one-to-one call with the Provider concerning the Programme;

4.5.2  had paid an Early Bird Deposit, or had otherwise reserved or secured a place on any Cohort;

4.5.3  was, or had previously been, a participant in the Programme or a member of the Alumni Membership;

4.5.4  had made a direct enquiry to the Provider, or had submitted an application to the Provider, in respect of the Programme within the preceding twelve (12) months; or

4.5.5  was, or had within the preceding twelve (12) months been, a one-to-one coaching client of the Provider or a participant in any other paid programme, course, or membership offered by the Provider.

4.6 The circumstances in clause 4.5 are assessed as at the date of the first click on an Affiliate Link, and not at the date of purchase. A purchaser who clicks an Affiliate Link and who subsequently books or attends a Mapping Call, makes an enquiry, or pays a deposit remains a Referred Customer, provided that none of the circumstances in clause 4.5 applied at the date of that click. The Provider's records shall be determinative as to whether a purchaser is an Excluded Customer, provided that the Provider acts reasonably and in good faith. Where a purchase is treated as excluded under clause 4.5, the Provider shall notify the Affiliate and shall, on request, confirm which sub-clause of clause 4.5 applies.

For the avoidance of doubt, a person is not an Excluded Customer by reason only of being a subscriber to the Provider’s email list.

4.7  Purchases by or for the Affiliate. No Commission shall be payable in respect of any purchase made by:

4.7.1  the Affiliate;

4.7.2  any member of the Affiliate’s immediate family or household;

4.7.3  any company, partnership, or other entity in which the Affiliate holds a directorship or a material interest, or any person purchasing at the expense of such an entity; or

4.7.4  any person purchasing on behalf of the Affiliate, or where the Affiliate funds or reimburses the purchase in whole or in part.

The Affiliate shall not use an Affiliate Link, and shall not arrange for any other person to use one, for the purpose of obtaining a discount, rebate, or Commission in respect of the Affiliate's own purchase or that of any person described in this clause 4.7.

4.8  When Commission becomes payable. Where a Referred Customer pays in full, Commission shall become payable on the later of:

4.8.1  thirty (30) days after the date on which the Referred Customer’s payment has been received by the Provider and has cleared in full; and

4.8.2  the date on which the cancellation period available to the Referred Customer under the Programme Terms in respect of that payment expires, without the Referred Customer having exercised any right of cancellation or obtained a refund,

and in each case provided that the Affiliate is not in breach of any of these Terms, and that the purchase is not excluded under clause 4.5 or clause 4.7.

4.9  The Programme Terms provide for more than one cancellation period, and those periods run from different dates, including a period running from payment of an Early Bird Deposit and a period running from the date on which enrolment completes and access to pre-Cohort orientation materials is granted. For the purposes of clause 4.8.2, the applicable cancellation period is the one which applies to the payment in question under the Programme Terms as in force at the date of that payment.

4.10  Where a Referred Customer purchases on an instalment plan, Commission shall be calculated as twenty per cent (20%) of each instalment payment, and shall become payable in respect of each instalment on the later of the two dates set out in clause 4.8, applied to that instalment.

4.11  Where a Referred Customer secures a place on a Cohort by paying an Early Bird Deposit or other deposit in advance of enrolment, Commission shall be calculated on the total Sale Price actually received by the Provider once enrolment completes, and shall become payable in accordance with clause 4.8 or clause 4.10 as applicable. No Commission is payable on a deposit which is forfeited without enrolment completing. Where a Referred Customer transfers to a later Cohort, Commission remains payable on completion of enrolment, notwithstanding that the Cohort start date may fall outside the Cookie Window, and shall be calculated on the Sale Price actually received for the Cohort on which the Referred Customer ultimately enrols.

4.12  For the avoidance of doubt, no Commission shall be payable in respect of any sale where the Referred Customer cancels or obtains a refund within the applicable cancellation period.

4.13  Where a Referred Customer purchasing on an instalment plan subsequently defaults, Commission shall cease to be payable in respect of any instalment which is not received and cleared. Commission already paid in respect of cleared instalments shall not be recoverable, save as provided in clause 4.14.

4.14  Refunds, credits, chargebacks and reversals. Where, after Commission has been paid, the Provider refunds, credits, or reverses all or any part of the Sale Price for any reason, the Commission attributable to the amount refunded, credited, or reversed shall cease to be due. This clause applies however the refund, credit, or reversal arises, including (without limitation):

4.14.1  a refund or credit granted by the Provider at its discretion or as a gesture of goodwill;

4.14.2  a refund arising from the cancellation, postponement, or material rescheduling of a Cohort by the Provider;

4.14.3  a refund granted after expiry of the applicable cancellation period;

4.14.4  a chargeback, payment reversal, or successful payment dispute initiated by the Referred Customer or their card issuer; and

4.14.5  any refund, credit, or reversal required by law, or by a regulator, court, or ombudsman.

The Provider may set off the amount concerned against any future Commission due to the Affiliate or, where no further Commission is anticipated, require repayment by the Affiliate within thirty (30) days of written notice.

4.15 What earns Commission. Commission is payable on a Referred Customer's initial purchase of a Programme only, and only in respect of the two Programmes listed in Schedule 1. No Commission shall be payable on:

4.15.1 any upgrade from Pathway 1 to Pathway 2, or any other movement between pathways, whether purchased at the time of enrolment or at any later date;

4.15.2 any renewal, alumni, or continuing membership fee;

4.15.3 the Taster Session, which is provided free of charge and generates no Sale Price; or

4.15.4 any other product, programme, course, event, workshop, membership, assessment, or service offered by the Provider, whether or not the Affiliate holds a tracking URL for it within the ThriveCart affiliate platform.

The Provider may agree in writing with an individual Affiliate that Commission is payable on additional products, on terms set out in that writing. In the absence of such an agreement, this clause 4.15 applies in full.

4.16  Commission shall be calculated and paid in the currency in which the Referred Customer purchased the Programme, being either British Pounds Sterling (GBP) or United States Dollars (USD).

4.17  Commission payments shall be made by PayPal or bank transfer (as agreed between the parties) to the account details provided by the Affiliate. The Affiliate shall be responsible for providing accurate payment details and for notifying the Provider of any changes. Any PayPal fees, currency conversion charges, or exchange rate fees shall be borne by the Provider.

4.18  Commission is payable as a cash payment to the Affiliate only. The Provider does not offer payment to third parties, credit against any other fee, charitable donation, or discount to the Referred Customer in place of Commission.

4.19  The Affiliate shall be solely responsible for all tax obligations arising from Commission payments, including income tax, self-employment tax, and any applicable sales or value added tax in the Affiliate’s jurisdiction. Jersey does not operate a withholding tax regime and accordingly no tax shall be deducted from Commission payments. The Affiliate acknowledges that it is the Affiliate’s sole responsibility to report Commission income and discharge any tax liabilities in the Affiliate’s jurisdiction of residence.

4.20  The Provider does not guarantee any specific Commission amounts, and the Affiliate acknowledges that the success of promotional efforts depends on many factors including the Affiliate’s audience, marketing activity, and promotional approach. The Provider shall not be liable for any shortfall in anticipated Commission.

5. Affiliate Bonuses

5.1  The Affiliate may create and offer bonuses to Referred Customers that complement the Programme. Such bonuses should align with the Provider’s brand values and enhance the Programme content.

5.2  The Affiliate shall ensure that any bonuses offered:

5.2.1  do not misrepresent the Programme or its content;

5.2.2  do not conflict with the Provider’s Programme content, methodology, or brand positioning;

5.2.3  do not comprise coaching, training, or supervision which duplicates, competes with, or could reasonably be mistaken for the Programme content or the Provider’s certification requirements;

5.2.4  are clearly identified as being provided by the Affiliate and not by the Provider;

5.2.5  comply with all applicable advertising standards and consumer protection legislation.

5.3  Whilst pre-approval of bonuses is not required, the Provider reserves the right to request changes to or withdrawal of any bonus that, in the Provider’s reasonable opinion, conflicts with the Programme content, brand values, or positioning. The Affiliate shall comply with any such request within seven (7) days of receiving written notice.

6. Intellectual Property

6.1  All Intellectual Property in the Programme, the Provider’s brand, marketing materials, methodologies, and content (including the Money Narratives Clearing® Framework, the Money StoryTypes® Assessment, the Emotional Money Scale, and Penny, the AI curriculum guide) remains the exclusive property of the Provider.

6.2  The Provider grants the Affiliate a limited, non-exclusive, non-transferable, revocable licence to use the Provider’s approved marketing materials, logos, and brand assets solely for the purpose of promoting the Programme in accordance with these Terms. This licence shall terminate automatically upon termination of this Agreement.

6.3  The Affiliate shall not:

6.3.1  modify, adapt, translate, or create derivative works from any of the Provider’s Intellectual Property or marketing materials without prior written consent;

6.3.2  register or attempt to register any trademarks, domain names, or social media handles that are identical or confusingly similar to any of the Provider’s trademarks or trading names;

6.3.3  use the Provider’s Intellectual Property in any manner that could bring the Provider into disrepute or which is inconsistent with the Provider’s brand guidelines;

6.3.4  reproduce, teach, distribute, or otherwise exploit the content, methodology, or frameworks within the Programme;

6.3.5  input, upload, or otherwise provide any of the Provider’s Intellectual Property or marketing materials to any artificial intelligence or machine learning system, large language model, or automated content generation technology for the purpose of training, fine-tuning, or otherwise contributing to such a system, without the Provider’s express written permission.

7. Data Protection

7.1  The Provider is the data controller for all personal data processed in connection with the Affiliate Programme. The Provider’s processing of personal data is governed by its Privacy Policy, available at catherinemorgan.com/privacy.

7.2  The Affiliate acknowledges that the Provider is registered in Jersey, Channel Islands, and that personal data may be processed and stored in Jersey. The Jersey Office of the Information Commissioner (JOIC) is the relevant supervisory authority for the Provider’s data processing activities.

7.3  Where the Affiliate collects or processes any personal data in connection with the promotion of the Programme (including email addresses, names, or other identifying information of prospective customers), the Affiliate shall:

7.3.1  comply with all applicable Data Protection Legislation in the Affiliate’s jurisdiction;

7.3.2  maintain an appropriate lawful basis for processing such personal data;

7.3.3  provide clear and transparent privacy notices to data subjects;

7.3.4  not transfer any personal data to the Provider other than through the ThriveCart affiliate tracking system;

7.3.5  implement appropriate technical and organisational security measures to protect personal data from unauthorised access, loss, or destruction.

7.4  The Affiliate shall indemnify the Provider against all claims, losses, damages, costs, and expenses arising from the Affiliate’s failure to comply with applicable Data Protection Legislation in connection with the Affiliate Programme.

8. Confidentiality

8.1  Each party shall keep confidential all Confidential Information received from the other party and shall not disclose such information to any third party without the prior written consent of the disclosing party.

8.2  The obligations of confidentiality shall not apply to information which:

8.2.1  is or becomes publicly available other than through breach of this Agreement;

8.2.2  was known to the receiving party prior to disclosure;

8.2.3  is disclosed pursuant to a legal obligation or order of a court of competent jurisdiction.

8.3  The obligations of confidentiality shall survive termination of this Agreement for a period of two (2) years.

9. Limitation of Liability

9.1  The Provider shall not be liable to the Affiliate for any indirect, consequential, incidental, or special damages, loss of profits, loss of revenue, loss of anticipated savings, or loss of goodwill arising from or in connection with this Agreement, howsoever caused.

9.2  The Provider’s total aggregate liability to the Affiliate under or in connection with this Agreement (whether in contract, tort, negligence, breach of statutory duty, or otherwise) shall not exceed the total Commission paid to the Affiliate in the twelve (12) months immediately preceding the date on which the claim arose.

9.3  The Affiliate acknowledges that:

9.3.1  the Programme is a training and professional development programme. It is not financial advice, therapeutic treatment, or medical treatment;

9.3.2  the Programme does not confer any authorisation, licence, or permission to carry on regulated financial services activity in any jurisdiction;

9.3.3  the CeFC designation is awarded by the Provider and evidences completion of the Provider’s certification requirements. It is not a statutory or regulatory qualification;

9.3.4  the Provider makes no guarantees as to the results, income, client numbers, or professional outcomes that any Referred Customer may achieve;

9.3.5  the Provider makes no guarantee that any particular Cohort will run on any particular date, or at all;

9.3.6  the Affiliate shall not make any representations to the contrary.

9.4  Nothing in these Terms shall limit or exclude liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation, or any other liability which cannot lawfully be limited or excluded.

10. Term and Termination

10.1  This Agreement shall commence on the date the Affiliate registers for the Affiliate Programme and shall continue unless and until terminated in accordance with this clause 10.

10.2  Either party may terminate this Agreement at any time by providing fourteen (14) days’ written notice to the other party by email.

10.3  The Provider may terminate this Agreement with immediate effect by written notice if the Affiliate:

10.3.1  commits a material breach of any of these Terms;

10.3.2  engages in any conduct which, in the reasonable opinion of the Provider, is likely to bring the Provider or the Programme into disrepute;

10.3.3  becomes insolvent, enters administration, or has a receiver appointed over any of its assets;

10.3.4  fails to comply with applicable advertising standards or Data Protection Legislation.

10.4  Upon termination:

10.4.1  the Affiliate shall immediately cease all promotion of the Programme and remove all Affiliate Links, marketing materials, and references to the Programme from the Affiliate’s website, social media, and other channels;

10.4.2  the licence granted under clause 6.2 shall terminate immediately;

10.4.3  Commission shall remain payable for any Referred Customers who completed a purchase prior to the date of termination, provided the conditions in clause 4.8 have been met, and shall continue to be payable on instalments falling due after termination in accordance with clause 4.10;

10.4.4 no Commission shall be payable for any purchases made after the effective date of termination, regardless of when an Affiliate Link was clicked;

10.4.5  where this Agreement is terminated by the Provider under clause 10.3, the Provider may withhold any Commission not yet paid at the date of termination.

10.5  Clause 4 (Commission), to the extent of any accrued right or obligation and including in particular clauses 4.14 and 4.19, and clauses 6 (Intellectual Property), 7 (Data Protection), 8 (Confidentiality), 9 (Limitation of Liability), 10.4, 11 (General Provisions), and 12 (Governing Law) shall survive termination of this Agreement.

11. General Provisions

11.1  These Terms, together with Schedule 1, represent the entire agreement between the Provider and the Affiliate in respect of the Affiliate Programme and supersede all prior negotiations, representations, or agreements relating to the subject matter, including any affiliate prospectus or promotional material.

11.2  The Provider reserves the right to amend these Terms at any time. The Provider shall notify the Affiliate of any material changes by email. Continued participation in the Affiliate Programme following such notification shall constitute acceptance of the amended Terms.

11.3  The Affiliate shall not assign, transfer, sub-license, or otherwise deal with any rights or obligations under this Agreement without the prior written consent of the Provider.

11.4  No failure or delay by either party in exercising any right under this Agreement shall constitute a waiver of that right, and no waiver of any breach shall constitute a waiver of any subsequent breach.

11.5  If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be severed and the remaining provisions shall continue in full force and effect.

11.6  These Terms do not give rise to any rights under the Contracts (Rights of Third Parties) (Jersey) Law 2012.

11.7  All notices and communications under this Agreement shall be in writing and sent by email to the Provider at support@themoneypanel.co.uk and to the Affiliate at the email address provided at the time of registration.

12. Governing Law and Jurisdiction

12.1  This Agreement and any dispute or claim arising out of or in connection with it (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Island of Jersey, Channel Islands.

12.2  The Royal Court of Jersey shall have exclusive jurisdiction to settle any dispute arising out of or in connection with this Agreement.

12.3  The Affiliate acknowledges and agrees that, by entering into this Agreement, the Affiliate submits to the jurisdiction of the Royal Court of Jersey, irrespective of the Affiliate’s location or jurisdiction of residence.

13. International Affiliates: Supplementary Provisions

13.1  Affiliates based in the United States of America shall, in addition to the provisions of these Terms:

13.1.1  comply with all Federal Trade Commission (FTC) requirements regarding endorsements and testimonials, including the FTC Endorsement Guides (16 CFR Part 255);

13.1.2  ensure all promotional content includes a clear and conspicuous disclosure of the material connection between the Affiliate and the Provider;

13.1.3  be solely responsible for compliance with all applicable US federal and state tax obligations.

13.2  Affiliates based in Canada shall, in addition to the provisions of these Terms:

13.2.1  comply with Canada’s Anti-Spam Legislation (CASL) in all promotional communications;

13.2.2  comply with the Canadian Competition Act regarding disclosure of material connections in promotional content;

13.2.3  ensure compliance with PIPEDA in relation to any personal data processed in connection with the Affiliate Programme.

13.3  Affiliates based in the United Kingdom shall, in addition to the provisions of these Terms:

13.3.1  comply with the Advertising Standards Authority (ASA) CAP Code regarding disclosure of affiliate relationships;

13.3.2  comply with the Consumer Protection from Unfair Trading Regulations 2008 (as amended);

13.3.3  where the Affiliate is authorised or regulated by the Financial Conduct Authority, or is an appointed representative of an authorised firm, comply with clause 3.3 and with all applicable rules on inducements, conflicts of interest, and financial promotions.

13.4  Where any provision of these Terms conflicts with mandatory consumer protection legislation in the Affiliate’s jurisdiction, the mandatory provisions of that legislation shall prevail to the extent of the conflict.

SCHEDULE 1

Commission Structure and Eligible Programmes

Commission Rate

Twenty per cent (20%) of the Sale Price, on every Programme listed below, with no cap on the number of sales.

Commission Per Sale

Figures above are calculated on standard pricing, being £2,499 for Pathway 1 and £3,500 for Pathway 2 where paid in full. During early bird or promotional periods the Sale Price and the Commission adjust proportionally, and the 20% rate is unchanged. Programme fees are not subject to VAT.

Payment Terms

Commission becomes payable on the later of: (a) thirty (30) days after the Referred Customer’s payment has been received and cleared; and (b) expiry of the cancellation period applicable to that payment under the Programme Terms. This is set out in full at clauses 4.8 and 4.9.

Where a Referred Customer purchases on an instalment plan, the same test is applied to each individual instalment.

Payment method: PayPal or bank transfer, as agreed between the parties. Any PayPal fees, currency conversion charges, or exchange rate fees shall be borne by the Provider. Commission is paid in the currency of the Referred Customer’s purchase.

The Provider reserves the right to amend the Commission rate and/or the eligible Programmes upon thirty (30) days’ written notice to the Affiliate. Any such amendment shall apply to sales made after the effective date of the amendment only.

Cookie Window

The Cookie Window for all Programmes is twelve (12) months. A referral shall be attributed to the Affiliate where a Referred Customer clicks an Affiliate Link and completes a purchase within twelve (12) months of that click. This includes the tracking URL for the free Taster Session, which attributes a subsequent Programme purchase in exactly the same way as a Programme tracking URL. Where a prospective customer clicks multiple Affiliate Links from different affiliates, the last click prior to purchase shall determine the attributing Affiliate.

Not Eligible for Commission

• Purchases by Excluded Customers, as set out in full at clause 4.5. In summary, this means anyone who, before clicking the Affiliate Link, had already booked or attended a Mapping Call, paid a deposit or reserved a Cohort place, participated in the Programme or the Alumni Membership, made a direct enquiry or application within the preceding twelve months, or was a one-to-one client or a participant in another paid programme within the preceding twelve months.
• Purchases made by or for the Affiliate, as set out in full at clause 4.7. This includes the Affiliate, the Affiliate’s immediate family or household, any entity in which the Affiliate holds a directorship or material interest, and any purchase the Affiliate funds or reimburses.
• Upgrades from Pathway 1 to Pathway 2, and any other movement between pathways, whether taken at enrolment or later.
• Renewal or alumni membership fees.
• The Taster Session itself, which is free of charge. The Taster Session tracking URL does attribute a subsequent Programme purchase to the Affiliate, but the session generates no Sale Price of its own.
• Any other product, programme, course, event, workshop, membership, assessment, or service offered by the Provider, whether or not a tracking URL for it appears in the Affiliate's ThriveCart area, unless expressly agreed in writing.

The Excluded Customer test is applied at the date of the first click, not the date of purchase. Someone who comes in through an Affiliate Link and later books a Mapping Call is still the Affiliate's referral.

Contact and Company Details

Contact: support@themoneypanel.co.uk

Provider: Catherine Morgan Limited, 1–3 Colomberie, St Helier, Jersey, JE2 4QB, Channel Islands (company number 137407), trading as The Money Panel.

Payment Agent: The Money Panel Ltd, 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ, registered in England and Wales (company number 10267198).