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 Wealth Resonance® 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), 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. Definition 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 the unique tracking URL provided to the Affiliate by the Provider through the ThriveCart affiliate platform, which attributes Referred Customers to the Affiliate;

Affiliate Programme means the Wealth Resonance® Affiliate Programme operated by the Provider, as described in these Terms;

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 the 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;

Intellectual Property means all patents, copyrights, design rights, trademarks (including Wealth Resonance®), trade names, logos, domain names, trade secrets, know-how, and all other intellectual property rights of whatever nature;

Programme means the Wealth Resonance® programme and/or the Wealth Resonance+ programme, as detailed in Schedule 1;

Referred Customer means any individual who purchases a Programme having been directed to the Provider’s sales page via the Affiliate Link within the Cookie Window.

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, or to maintain any particular pricing structure.

3. Affiliate Obligations

3.1. The Affiliate shall:

1. promote the Programme in a professional, ethical, and lawful manner consistent with the Provider’s brand values and reputation;
2. use only the Affiliate Link provided by the Provider to track referrals;
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;
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;
5. not make any claims, representations, or guarantees about the Programme that have not been expressly approved by the Provider in writing;
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;
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:

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”, or “Wealth Resonance”) as keywords, in ad copy, or in display URLs;
2. send unsolicited bulk email (“spam”) or engage in any form of unsolicited messaging to promote the Programme;
3. use cookie-stuffing, forced clicks, pop-ups, pop-unders, or any other deceptive or manipulative tracking methods;
4. create websites, landing pages, or social media profiles that could be confused with the Provider’s official websites or social media presence;
5. offer cashback or rebates from Commission to induce purchases, unless expressly approved by the Provider in writing;
6. represent itself as an official employee or representative of the Provider beyond the Affiliate’s status under this Agreement;
7. make any representations that the Programme constitutes financial advice, therapeutic treatment, medical treatment, or any form of regulated activity.

4. Commission

4.1. The Provider shall pay the Affiliate a Commission of forty per cent (40%) of the net sale price (exclusive of any applicable taxes) for each Referred Customer who purchases the 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 the Affiliate Link. Where a prospective customer clicks multiple Affiliate Links from different affiliates, the last click prior to purchase shall determine the attributing Affiliate.

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. Commission shall become payable thirty (30) days after the date of the Referred Customer’s purchase, provided that:

1. the Referred Customer’s payment has been received in full and has cleared;
2. the fourteen (14) day cooling-off period from the date of purchase has expired without the Referred Customer exercising any right of cancellation or obtaining a refund;
3. the Affiliate is not in breach of any of these Terms.

4.6. 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 cooling-off period. As Commission is not paid until after the expiry of the cooling-off period, no recovery mechanism shall apply in respect of cancellations within that period.

4.7. Where a Referred Customer purchases the Programme on a payment plan, Commission shall be calculated as forty per cent (40%) of each instalment payment and shall become payable thirty (30) days after each instalment has been received and cleared, subject to the conditions in clause 4.5.

4.8. 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.

4.9. 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.

4.10. 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. Partner 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:

1. do not misrepresent the Programme or its content;
2. do not conflict with the Provider’s Programme content, methodology, or brand positioning;
3. are clearly identified as being provided by the Affiliate and not by the Provider;
4. 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 Wealth Resonance® framework) 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:

1. modify, adapt, translate, or create derivative works from any of the Provider’s Intellectual Property or marketing materials without prior written consent;
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;
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;
4. reproduce, teach, distribute, or otherwise exploit the content, methodology, or frameworks within the Programme.

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:

1. comply with all applicable Data Protection Legislation in the Affiliate’s jurisdiction;
2. maintain an appropriate lawful basis for processing such personal data;
3. provide clear and transparent privacy notices to data subjects;
4. not transfer any personal data to the Provider other than through the ThriveCart affiliate tracking system;
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:

1. is or becomes publicly available other than through breach of this Agreement;
2. was known to the receiving party prior to disclosure;
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:

1. the Programme is not financial advice, therapeutic treatment, or medical treatment;
2. the Provider makes no guarantees as to the results or outcomes that any Referred Customer may achieve;
3. 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:

1. commits a material breach of any of these Terms;
2. engages in any conduct which, in the reasonable opinion of the Provider, is likely to bring the Provider or the Programme into disrepute;
3. becomes insolvent, enters administration, or has a receiver appointed over any of its assets;
4. fails to comply with applicable advertising standards or Data Protection Legislation.

10.4. Upon termination:

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;
2. the licence granted under clause 6.2 shall terminate immediately;
3. Commission shall remain payable for any Referred Customers who completed a purchase prior to the date of termination, provided the conditions in clause 4.5 have been met;
4. no Commission shall be payable for any purchases made after the effective date of termination, regardless of when the Affiliate Link was clicked.

10.5. Clauses 6 (Intellectual Property), 7 (Data Protection), 8 (Confidentiality), 9 (Limitation of Liability), 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.

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:

1. comply with all Federal Trade Commission (FTC) requirements regarding endorsements and testimonials, including the FTC Endorsement Guides (16 CFR Part 255);
2. ensure all promotional content includes a clear and conspicuous disclosure of the material connection between the Affiliate and the Provider;
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:

1. comply with Canada’s Anti-Spam Legislation (CASL) in all promotional communications;
2. comply with the Canadian Competition Act regarding disclosure of material connections in promotional content;
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:

1. comply with the Advertising Standards Authority (ASA) CAP Code regarding disclosure of affiliate relationships;
2. comply with the Consumer Protection from Unfair Trading Regulations 2008 (as amended).

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

Eligible Programmes

Payment Terms

Commission is payable thirty (30) days after the Referred Customer’s payment has been received and cleared, subject to the expiry of the fourteen (14) day cooling-off period and the conditions set out in clause 4.

Where a Referred Customer purchases on a payment plan, Commission is payable thirty (30) days after each individual instalment has been received and cleared.

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.

The Provider reserves the right to amend the Commission rates 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.

Cooling-Off Period

Each Programme is subject to a fourteen (14) day cooling-off period from the date of purchase. No Commission shall be payable in respect of any sale where the Referred Customer exercises the right of cancellation within this period.

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 the Affiliate Link and completes a purchase within twelve (12) months of that click. Where a prospective customer clicks multiple Affiliate Links from different affiliates, the last click prior to purchase shall determine the attributing Affiliate.

ACCEPTANCE

By ticking the box on the sign up page and registering for the Wealth Resonance® Affiliate Programme, the Affiliate confirms that the Affiliate has read, understood, and agrees to be bound by these Terms and Conditions in full.

Contact: support@themoneypanel.co.uk

Provider: Catherine Morgan Limited, 1–3 Colomberie, St Helier, Jersey, JE2 4QB (company number 137407)

Payment Agent: The Money Panel Ltd, registered in England and Wales (company number 10267198)