Partner Terms

1. Eligibility

To participate, you must:

• Be at least 18;
• Provide accurate information;
• Comply with applicable law;
• Not be prohibited from receiving partner compensation;
• Not be an employee, officer, director, broker, agent, adviser, or representative of a regulated person where payment would create an unlawful arrangement; and
• Complete any tax, identity, eligibility, or compliance requirements.

2. Partner Method

A partner qualifies only if submitted through:

• Partner link.
• Partner code.
• Personal invitation through account manager.

The referred person must be a new contact who has not previously:

• Registered with 1st Finance;
• Submitted an inquiry;
• Been referred by another person; or
• Entered into discussions regarding the same Opportunity.

3. Prohibited Conduct

You must not:

• Spam or send unsolicited commercial electronic messages;
• Use misleading, deceptive, or unapproved advertising;
• Make guarantees about returns, approval, legality, liquidity, or performance;
• Provide investment, legal, tax, mortgage, or real-estate advice;
• Negotiate transaction terms;
• Represent yourself as 1st Finance;
• Use paid search, trademark bidding, automated messages, or social-media advertising without approval;
• Refer yourself, household members, or entities you control;
• Misrepresent your relationship with 1st Finance or a Developer;
• Collect, hold, or transmit partner or transaction funds; or
• Refer persons where the partner would breach securities, real-estate, mortgage, privacy, anti-spam, consumer-protection, sanctions, or other laws.

4. Approved Statements

You may use only materials approved by 1st Finance.

You must clearly disclose:

• “I may receive a partner reward from 1st Finance if you qualify under its partner terms. 1st Finance is a technology and administrative platform and does not provide personal legal, tax, financial, investment, or real-estate advice.”

5. Partner Reward

Rewards are calculated based on the Partners earnings, passive income or else, with prior discussion with 1st Finance Marketing team.

• Currency: USD
• Payment timing: 30 days after qualification
• Maximum reward: $100,000
• Payment method: Bank wire transfer or digital assets

No reward is payable for a cancelled, reversed, fraudulent, disputed, refunded, or unlawful transaction. If percentage-based compensation or compensation tied to a real-estate, securities, mortgage, or investment transaction is contemplated, do not launch the program until counsel confirms that it is lawful in every relevant jurisdiction.

6. Tax Responsibilities

You are responsible for reporting partner rewards and paying all applicable taxes, including income tax, GST/HST, sales tax, withholding tax, and self-employment obligations. 1st Finance may request tax forms or issue tax slips or other reporting documents where required.

7. Personal Information

You must not provide personal information about a prospective partner unless you have the legal authority and any required consent to do so. Where applicable, the prospective partner should submit their own information through 1st Finance’s Platform. You must comply with the Privacy Policy and all applicable privacy and anti-spam laws.

8. Conflicts and Disclosure

You must disclose any personal, financial, employment, family, or business relationship with 1st Finance, the Developer, or the referred person.

9. No Agency

Participation does not make you an employee, agent, broker, partner, representative, or joint venturer of 1st Finance. You have no authority to bind 1st Finance or make representations on its behalf.

10. Verification and Withholding

1st Finance may verify partners, delay payment, withhold rewards, reverse rewards, or require repayment where it reasonably believes that:

• The partner was invalid;
• The program was abused;
• The partner involved fraud or unlawful conduct;
• Information was inaccurate;
• The transaction was cancelled or reversed; or
• Payment could create legal, regulatory, tax, sanctions, or reputational risk.

11. Program Changes

1st Finance may modify, suspend, or terminate the program at any time. Changes will apply prospectively unless otherwise required by law.

12. Limitation of Liability

To the maximum extent permitted by law, 1st Finance is not liable for indirect, consequential, special, or lost-profit damages arising from the partner program. The maximum liability is the unpaid partner reward directly attributable to the qualifying partner.