Affiliate Program Agreement
Effective 2026-08-27 · Version 1.0
This Affiliate Program Agreement (the "Agreement") governs participation in the Credit Phoenix Affiliate Program (the "Program"), operated by Phoenix Rising Enterprises 00 LLC, a limited liability company organized under the laws of the State of Wyoming, United States, doing business as Credit Phoenix, with its principal place of business at 5830 E 2nd St Ste 7000, Casper, WY 82609 (the "Company"), and the individual or entity who enrolls in the Program (the "Affiliate").
By submitting the Affiliate Signup Form, activating an affiliate account, or accepting any commission under the Program, the Affiliate agrees to be bound by this Agreement. If the Affiliate does not agree, the Affiliate should not enroll and should not use any referral link, tracking code, or portal access issued by the Company.
1. The Program
1.1 What it is. The Program lets the Affiliate refer prospective clients to the Company in exchange for a commission on Qualified Referrals, as defined in Section 4.2.
1.2 Non-exclusive, no obligation. Participation is voluntary. The Affiliate has no quota, no required activity level, and no obligation to send any referrals. The Company has no obligation to accept any particular referral as a client.
1.3 Not employment. Participation in the Program does not create an employment, agency, partnership, or joint venture relationship. Section 8 addresses the Affiliate's status in more detail.
1.4 Enrollment. Affiliates enroll through the Company's designated signup flow (currently the Credit Repair Cloud Affiliate Signup Form). The Company decides, in its sole discretion, whether to activate a submitted application, and may decline or delay activation for any reason.
2. Attribution and Tracking
2.1 System of record. The Company's Credit Repair Cloud records (or any successor platform the Company designates) are the sole and authoritative record of which referrals are attributed to which Affiliate, currently reflected as "Referred by" the Affiliate on the referred contact's record.
2.2 Affiliate's responsibility. The Affiliate is responsible for directing prospects to the Company's tracked referral link, the Affiliate's portal "Send a Referral" tool, or another attribution method the Company designates. The Company is not responsible for commission on any referral that is not correctly attributed because the prospect did not use one of these methods.
2.3 No manual overrides. The Company is not obligated to manually attribute a referral that the tracking system did not capture, though it may do so at its discretion where the Affiliate can show clear evidence of referral.
3. Affiliate Responsibilities and Compliance Rules
These rules exist because Credit Phoenix operates under the Credit Repair Organizations Act (CROA) and FTC advertising rules that apply to anyone marketing the Company's services, not just the Company itself. A violation by the Affiliate can create legal exposure for the Company, so these are binding terms, not suggestions.
3.1 No income claims. The Affiliate will never state or imply a specific dollar amount, rate, or income level attainable through the Program, to a prospect or to another potential affiliate. "Earn a commission" is fine. Promising a specific earnings figure is not.
3.2 No result or outcome promises. The Affiliate will never promise, guarantee, or imply a specific credit outcome, including score increases, item deletions, approval odds, or timelines, to any prospect. Nobody, including the Company, can honestly make that promise. The Affiliate may say that Credit Phoenix offers a free assessment and will give an honest, individualized answer.
3.3 Required disclosure. Every public post, story, video, or paid placement promoting the Program must disclose the relationship in plain language ("partnered with Credit Phoenix," "affiliate link, full transparency," "#ad," or equivalent). Private, one-to-one messages (texts, DMs, personal email) do not require a hashtag but must not misrepresent the relationship if asked.
3.4 No spam, no purchased lists, no incentivized signups. The Affiliate will not send unsolicited bulk email or text, will not use purchased or scraped contact lists, and will not pay, rebate, or otherwise incentivize someone to sign up (including offering the referred person a cut of the Affiliate's own commission).
3.5 No self-referral. The Affiliate may not refer themselves, a household member, or any account the Affiliate directly or indirectly controls, and may not use their own referral link to generate their own commission.
3.6 No brand bidding, no impersonation. The Affiliate will not bid on "Credit Phoenix" or confusingly similar terms in paid search, will not register a domain name or social handle using the Company's name or a confusing variation, and will not represent themselves as a Credit Phoenix employee or as someone authorized to quote pricing, promise deliverables, or bind the Company beyond what Company-provided scripts state.
3.7 Not a credit repair organization. The Affiliate is not, and will not hold themselves out as, a credit repair organization, credit counselor, or provider of credit repair services. The Affiliate will not accept any payment, fee, or thing of value from a referred individual in connection with credit repair services. The Affiliate's only compensation for referral activity is the commission described in Section 4, paid by the Company.
3.8 Messaging channels. SMS and text solicitation on behalf of the Program is not authorized while the Company's own A2P messaging remains gated. This restriction lifts only on written notice from the Company.
3.9 Consequence of violation. A violation of this Section is grounds for forfeiture of related commission and for suspension or termination under Section 6.
4. Commission and Payment
4.1 Commission. The Affiliate earns a flat, one-time commission of $35.00 USD per Qualified Referral. The commission is the same regardless of which package the referred individual purchases and regardless of whether they pay monthly or pay in full. There is no tiered schedule, no volume bonus, no recruitment or downline compensation of any kind, and no purchase or payment is ever required to participate in the Program.
4.2 "Qualified Referral" defined. A referral is "Qualified" when the referred individual:
- (a) is attributed to the Affiliate under Section 2;
- (b) enrolls in a paid Credit Phoenix program; and
- (c) has completed the retention period in Section 4.2a with no payment refunded or charged back, including under the Company's money-back guarantee.
A referral that fails any of these, or that violates Section 3.5 (self-referral), is not Qualified and earns no commission.
4.2a Retention period (when commission becomes payable). No commission is earned or payable until the referred individual has remained a paying client past their second month, specifically:
- (a) for monthly plans, when the referral's second monthly payment has cleared; or
- (b) for paid-in-full purchases, sixty (60) days after the purchase payment cleared,
in each case with no refund or chargeback. Referrals who cancel, refund, or charge back before completing the retention period never become Qualified and earn no commission.
4.3 Payment method and schedule. Commission is tallied monthly and paid by the 15th of the following month, covering referrals that completed the Section 4.2a retention period in the prior calendar month, via Wise, direct bank transfer, Amazon gift card, PayPal, or Cash App, at Credit Phoenix's election, to the account or address the Affiliate provides. The Affiliate is responsible for any fees their payment provider charges.
4.4 Clawback. If a Qualified Referral's payment is later refunded or charged back for any reason, including under the Company's money-back guarantee, the corresponding commission is forfeited. If already paid, it is deducted from the Affiliate's next payout, or invoiced directly if no future payout is expected.
4.5 Taxes. The Affiliate is solely responsible for any taxes owed on commission received. The Company will issue a Form 1099 or equivalent where required by law and may request tax documentation (such as a Form W-9) before the first payout.
4.6 Adjustable prospectively. The Company may change the commission rate or structure for future Qualified Referrals on notice, with the notice period in Section 11.2 applying to material changes. Commission already earned on a Qualified Referral before the change stays payable at the prior rate.
5. Marketing Materials and License
5.1 Limited license. The Company grants the Affiliate a limited, non-exclusive, revocable license to use Company-provided scripts, copy, and materials (including those on the affiliate hub page) solely to promote the Program under this Agreement.
5.2 No alteration. The Affiliate will not alter Company logos or materials in a way that changes their meaning, and will not create new claims, guarantees, or promises beyond what the Company provides.
5.3 Revocable. This license ends automatically if the Affiliate's participation is suspended or terminated.
6. Term, Suspension, and Termination
6.1 Term. This Agreement begins when the Affiliate enrolls and continues until terminated under this Section.
6.2 Termination for convenience. Either party may end the Affiliate's participation at any time, for any reason or no reason, effective on notice (email is sufficient).
6.3 Immediate termination for cause. The Company may suspend or terminate the Affiliate's participation immediately, without notice, for: (a) violation of Section 3; (b) fraudulent, incentivized, or self-referred signups; (c) conduct that exposes the Company to regulatory risk under CROA, the FTC Act, CAN-SPAM, or TCPA; or (d) conduct harmful to the Company's reputation.
6.4 Effect of termination. Commission properly earned on Qualified Referrals before termination remains payable per Section 4, except commission tied to the violation that caused termination under Section 6.3, which is forfeited. The Affiliate must stop using all Company marketing materials, the Company's name, and any referral link upon termination.
7. Confidentiality and Non-Circumvention
7.1 Confidential information. Anything non-public the Affiliate learns through the affiliate portal or dashboard, including referral data, commission details, or Company business information, is confidential and may only be used to participate in the Program.
7.2 No circumvention. The Affiliate will direct all referrals through the tracked methods in Section 2 and will not arrange side payments, discounts, or deals with prospects or the Company that bypass tracking or this Agreement.
8. Independent Relationship
8.1 Not an employee or contractor of service. The Affiliate is an independent participant in a marketing program, not an employee, agent, contractor providing services, partner, or joint venturer of the Company. The Affiliate has no authority to bind the Company to any obligation.
8.2 No benefits. The Affiliate is not entitled to employee benefits of any kind.
9. Representations
The Affiliate represents that: (a) they are at least 18 years old and legally able to enter this Agreement; (b) the information provided at enrollment is true and accurate; (c) they will comply with Section 3 and all applicable law, including the FTC Act, CAN-SPAM, and (where applicable) TCPA, in every promotional activity under the Program; and (d) they are not a credit repair organization and will not accept payment from a referred consumer for credit repair services.
10. Indemnification; Limitation of Liability
10.1 Indemnification. The Affiliate will indemnify and hold the Company harmless from claims, damages, or costs (including reasonable attorney's fees) arising from the Affiliate's breach of this Agreement, unauthorized claims made to a prospect, or the Affiliate's violation of law in connection with the Program.
10.2 Limitation of liability. The Company's total liability to the Affiliate under this Agreement is limited to unpaid commission actually earned under Section 4. Neither party is liable to the other for indirect, incidental, or consequential damages.
11. General Provisions
11.1 Governing law. This Agreement is governed by the laws of the State of Wyoming, United States, without regard to conflict-of-law principles.
11.2 Amendments. Credit Phoenix may amend this Agreement prospectively by publishing a new version and providing notice (email, portal notice, or an updated link is sufficient). A material change, including any change to the commission amount, the definition of a Qualified Referral, the retention period, or the payment schedule, takes effect thirty (30) days after that notice is given to the Affiliate. Non-material changes take effect on posting. Continued participation in the Program after the effective date of an update constitutes acceptance. Commission already earned under a prior version is unaffected.
11.3 Custom arrangements. For an Affiliate entering a larger or negotiated arrangement (per the affiliate hub's "bigger audience or client list" offer), the Company may issue a signed addendum. A signed addendum controls over these Program Terms where the two conflict.
11.4 Entire agreement. This Agreement, together with any Company-issued welcome email stating specific commission terms, is the entire agreement between the parties regarding the Program.
11.5 No assignment. The Affiliate may not assign this Agreement or their right to commission without the Company's written consent.
11.6 Severability; waiver. If a provision is unenforceable, the rest of the Agreement stays in effect. Failure to enforce a provision is not a waiver of it.
11.7 Notices. The Company may give notice to the Affiliate by email to the address on file. The Affiliate may give notice to the Company at [email protected].
Acceptance
By submitting the Affiliate Signup Form, activating an affiliate account, or accepting a referral commission under the Program, the individual or entity identified in the Company's affiliate records as the Affiliate agrees to be bound by this Agreement as of the date of enrollment.
Company: Phoenix Rising Enterprises 00 LLC, DBA Credit Phoenix
Contact: [email protected]
Effective: 2026-08-27 · Version 1.0
Contact
[email protected] · Become an Affiliate · Affiliate Hub · Terms of Service
Credit Phoenix operates in compliance with the Credit Repair Organizations Act (CROA). Nothing in this Agreement is a promise of any specific credit outcome, score increase, item deletion, or timeline, and no Affiliate is authorized to make one.