Contact: support@upwardcreditsolutions.net

1. Agreement to Affiliate Terms

These Affiliate Terms govern participation in the Upward Credit Solutions affiliate program. By applying for, being approved for, accessing, or participating in the affiliate program, you agree to follow these Affiliate Terms and all related Upward Credit Solutions policies, instructions, payout rules, approved messaging standards, and compliance requirements.

These Affiliate Terms apply to approved affiliates, affiliate applicants, promotional partners, contractors, operators, and any person or entity promoting UCS offers through an approved affiliate relationship.

If you do not agree with these Affiliate Terms, do not apply for, access, or participate in the UCS affiliate program.

2. Definitions

UCS: Upward Credit Solutions.

Affiliate: An approved independent promoter authorized by UCS to promote approved UCS offers using approved links, approved messaging, and approved assets.

Qualified Course Sale: A valid purchase of an approved UCS course that is properly attributed, not refunded, not charged back, not fraudulent, not self-referred, and not otherwise disqualified under these Terms.

Approved Assets: UCS-approved promotional materials, including approved copy, graphics, captions, scripts, email copy, webinar invitations, FAQs, disclosure examples, and link instructions.

Centralized Marketing Hub: The UCS-approved location where current affiliate marketing assets, disclosure examples, link instructions, and promotional resources may be made available to approved affiliates.

Affiliate Link: A UCS-approved tracking link assigned to an affiliate for promotion and attribution.

Referral Code: A UCS-approved secondary attribution method when applicable.

Commission: The amount payable to an affiliate for a qualified course sale, subject to these Terms and all UCS payout review rules.

3. UCS Educational Positioning

UCS is an educational and lender-readiness platform. UCS provides budgeting education, financial organization guidance, coaching support, lender-readiness education, webinars, and digital educational products designed to help individuals better understand financial habits, documentation, and lender evaluation factors.

UCS is not a lender, bank, mortgage company, broker, loan originator, law firm, accounting firm, financial advisory firm, or credit repair company.

Affiliates must represent UCS accurately at all times.

4. Affiliate Status

Affiliates are independent promoters. Affiliates are not employees, agents, legal representatives, partners, franchisees, joint venture partners, loan officers, brokers, lenders, or officers of UCS.

Approval into the affiliate program does not create an employment relationship, ownership interest, agency relationship, fiduciary relationship, or authority to bind UCS.

Affiliates are responsible for their own business expenses, equipment, taxes, compliance obligations, advertising decisions, communications, and promotional activity.

5. Affiliate Approval

Participation in the UCS affiliate program is not automatic. UCS may approve, deny, pause, suspend, or terminate affiliate access at its discretion.

To participate, an applicant may be required to:

• Complete an affiliate application.
• Provide accurate contact information.
• Provide payment email or payout contact information.
• Review affiliate onboarding materials.
• Accept these Affiliate Terms.
• Use approved UCS links and approved messaging.
• Maintain professional and compliant promotional activity.

UCS may deny or remove an affiliate if the applicant or affiliate does not align with UCS standards, misrepresents UCS, uses prohibited claims, engages in suspicious activity, violates platform rules, or creates operational or reputational risk.

6. Approved Offers Affiliates May Promote

The primary approved affiliate offer is the UCS Pathway to Homeownership educational course.

Current standard course price: $297, unless UCS changes the price or offers an official promotion, coupon, or special campaign.

Affiliates may also promote official UCS webinars, workshops, educational events, and direct course sales when approved links and approved messaging are provided.

Affiliates may promote webinar registration, direct course purchase, or both. Webinar attendance does not guarantee a course purchase, affiliate commission, lender approval, or any financial outcome.

7. Course-Only Commission Structure

The current standard affiliate commission is 30% per qualified course sale.

For the current $297 Pathway to Homeownership course, the current standard commission amount is $89.10 per qualified course sale.

Commissions apply only to approved course sales unless UCS officially states otherwise in writing.

No commissions are paid on coaching, consulting, concierge services, business setup services, unrelated services, refunded purchases, chargeback transactions, fraudulent transactions, self-purchases, household payment method purchases, or unqualified transactions unless UCS officially states otherwise in writing.

8. No MLM / No Downline Structure

UCS does not operate as a multi-level marketing company.

Affiliates earn only on their own qualified direct referrals.

Affiliates may invite others to apply to become affiliates, but affiliates do not earn commissions on another affiliate’s sales activity under the standard UCS affiliate program.

There are no downline commissions, override commissions, multi-level compensation structures, passive recruiting commissions, or commission stacking arrangements in the standard UCS affiliate program.

9. Attribution and Tracking

Affiliate links are the primary attribution method. Referral codes may be used as a secondary attribution method when applicable.

Affiliates are responsible for using their correct approved links and instructions when promoting UCS.

Current standard attribution rule: the last valid affiliate click within 30 days earns the commission, unless UCS announces a different campaign-specific rule in writing.

UCS may manually review attribution disputes, duplicate claims, technical issues, suspicious activity, refund activity, chargebacks, or conflicting referral paths.

UCS reserves the right to make the final attribution decision when tracking is incomplete, disputed, duplicated, suspicious, or inconsistent with UCS records.

10. Webinar Promotion and Direct Course Sales

UCS may provide separate links or instructions for webinar registration and direct course sales.

Official webinar registration links are used to promote attendance at educational events. Affiliate course links are used for direct course attribution and commission tracking.

Affiliates must not confuse webinar registration links with affiliate course purchase links. When UCS provides specific instructions for webinar promotion, direct course promotion, or post-webinar follow-up, affiliates must follow those instructions.

UCS may provide webinar invitation copy, event descriptions, reminders, disclosure examples, follow-up copy, and approved promotional materials through the centralized marketing hub or other official UCS communication channels.

11. Approved Marketing Materials and Content Rules

Affiliates must primarily use approved UCS assets, approved UCS copy, approved links, approved captions, approved disclosure examples, and approved promotional instructions.

Only the latest approved versions should be used. Outdated materials should be discarded or archived and must not be used for active promotion.

Affiliates may submit promotional ideas, captions, graphics, videos, scripts, or content concepts for UCS review. Submitted content may not be used publicly unless UCS approves it in writing.

Affiliates may not alter approved messaging in a way that changes the meaning, removes required disclosures, creates misleading claims, implies guarantees, creates credit repair positioning, implies lender status, or misstates the affiliate relationship.

12. Required Affiliate Disclosures

Affiliates must clearly and accurately disclose their affiliate relationship when required by law, platform rules, or the context of the promotion.

Affiliate disclosures should be clear, easy to understand, and placed close to the promotional claim or link when applicable.

Examples of acceptable disclosure language may include:

• I may earn a commission if you purchase through my link.
• I am an independent affiliate for Upward Credit Solutions.
• This is an educational program. Results are not guaranteed.

Affiliates are responsible for complying with applicable advertising, disclosure, email, text messaging, social media, and platform rules.

13. Prohibited Claims and Conduct

Affiliates may not:

• Guarantee loan approvals.
• Guarantee credit approvals.
• Guarantee funding.
• Guarantee specific credit score outcomes.
• Claim UCS is a credit repair company.
• Claim UCS can remove accurate information from consumer reports.
• Present UCS as a lender, bank, mortgage company, broker, or loan originator.
• Make misleading income claims.
• Promise affiliate earnings or course sales.
• Use deceptive, misleading, false, or exaggerated marketing.
• Use fear-based or high-pressure financial claims.
• Use MLM-style recruiting language.
• Modify approved messaging in a misleading way.
• Create unauthorized UCS-branded content.
• Use UCS logos, names, materials, or course content without approval.
• Remove required disclosures.
• Promote UCS through spam, illegal messaging, or non-compliant email/text campaigns.
• Purchase through their own affiliate link or arrange household/self-referral purchases.
• Bid on UCS brand terms, domains, or confusingly similar names in paid ads without written approval.
• Impersonate UCS, UCS staff, lenders, banks, government agencies, or financial institutions.
• State or imply that webinar attendance, course purchase, or coaching guarantees any lender decision or financial result.

Violation of these standards may result in removal from the affiliate program, cancellation of unpaid commissions, reversal of commissions, loss of access to affiliate resources, or other corrective action.

14. Refunds, Chargebacks, Reversals, and Clawbacks

Customer refunds, chargebacks, duplicate charges, billing corrections, fraud reviews, or policy violations may affect affiliate commissions.

If a customer receives a refund before commission payout, the related commission is voided and will not be paid.

If a customer chargeback, refund, duplicate charge correction, or fraud finding occurs after commission payout, UCS may deduct the amount from future commissions or request reimbursement.

Because UCS digital product refund rights may depend on access, download, course progress, timing, and other policy conditions, affiliates should not promise refunds or interpret refund eligibility for customers. Customers should be directed to UCS support and the official Return, Refund & Cancellation Policy.

15. Payout Hold and Payout Timing

Commissions are placed on a 45-day hold to allow for refunds, chargebacks, duplicate charge reviews, fraud reviews, attribution reviews, and compliance checks.

After the hold period, qualified commissions may be reviewed for payout according to the UCS payout schedule and the affiliate’s payment setup.

UCS may delay, pause, reduce, void, reverse, or withhold commissions when transactions are refunded, charged back, disputed, suspicious, self-referred, household-related, improperly attributed, or connected to policy violations.

Affiliates are responsible for providing accurate payment email or payout contact information. UCS is not responsible for payout delays caused by inaccurate, incomplete, or outdated affiliate payment information.

Current standard payout target is the 15th of the month following the completed review/hold period unless otherwise announced by UCS.

16. Tax Responsibility

Affiliates are responsible for all taxes, reporting obligations, and legal requirements related to their affiliate earnings.

UCS may request tax forms, legal names, business information, payment information, or other documentation before issuing payouts when required for operational, tax, compliance, or payment processing reasons.

Failure to provide required information may delay or prevent payout.

17. Customer Relationship and Support

Customers who purchase through an affiliate link are UCS customers for the purchased UCS product or service.

Affiliates may provide general promotional information using approved materials, but affiliates may not provide unauthorized customer support, refund decisions, lender advice, underwriting advice, legal advice, tax advice, credit repair advice, or financial advisory services on behalf of UCS.

Customer support, access issues, billing questions, refund requests, and course-related support should be directed to UCS through official support channels.

18. Confidentiality and Restricted Materials

Affiliate onboarding materials, private support pages, internal instructions, non-public policy materials, private dashboards, unpublished assets, payout details, tracking instructions, and restricted UCS resources may not be copied, shared, resold, published, or distributed without UCS approval.

Affiliates must protect access to private affiliate resources and may not share restricted links, private folders, internal documents, or login credentials with unauthorized users.

19. Intellectual Property

All UCS names, logos, trademarks, course materials, webinar materials, scripts, captions, graphics, funnels, guides, worksheets, videos, training materials, affiliate resources, and marketing assets are owned by or licensed to UCS.

Affiliate approval does not transfer ownership of UCS intellectual property.

Affiliates receive a limited, revocable, non-exclusive permission to use approved UCS assets solely to promote approved UCS offers while in good standing with the affiliate program.

This permission ends immediately if affiliate status is suspended, terminated, revoked, or otherwise ended.

20. Paid Advertising and Platform Rules

Affiliates must follow all advertising platform rules, social media rules, email rules, text messaging rules, consumer protection rules, and disclosure requirements applicable to their promotional activity.

Affiliates may not run paid ads using UCS trademarks, brand names, confusingly similar domains, restricted claims, or misleading positioning unless UCS provides written approval.

Affiliates are responsible for their own ad accounts, platform compliance, content approvals, spend, targeting, and advertising risk.

21. Compliance Review

UCS may review affiliate activity, promotional content, links, messaging, sales patterns, refund rates, chargeback rates, customer complaints, and attribution activity.

UCS may request correction, removal, revision, or discontinuation of affiliate content at any time.

Affiliates must promptly comply with UCS correction requests.

22. Suspension or Termination

UCS may suspend or terminate affiliate participation at any time if an affiliate violates these Terms, violates approved messaging standards, uses prohibited claims, engages in suspicious activity, misuses UCS intellectual property, creates compliance risk, fails to follow instructions, or harms the UCS brand or customer experience.

Upon suspension or termination, the affiliate must stop using UCS links, assets, branding, materials, and promotional claims unless UCS provides written permission otherwise.

Termination may result in loss of access to affiliate resources and cancellation of unpaid commissions connected to policy violations, fraud, prohibited claims, chargebacks, or unqualified transactions.

23. No Guaranteed Earnings

UCS does not guarantee that any affiliate will earn commissions, generate sales, refer customers, produce webinar registrations, or achieve any specific financial outcome.

Affiliate results depend on individual effort, audience, consistency, messaging quality, compliance, market conditions, customer decisions, and other factors outside UCS control.

Any examples, projections, training examples, or performance references are educational only and should not be treated as promises or guarantees.

24. Updates to Affiliate Terms

UCS may update these Affiliate Terms, commission rates, payout timing, approved offers, approved assets, link instructions, compliance standards, or affiliate program structure at any time.

Updated terms may be posted, emailed, included in affiliate resources, or provided through official UCS communication channels.

Continued participation in the affiliate program after updates are provided means the affiliate accepts the updated terms.

25. Contact Information

For affiliate questions, payout questions, policy questions, support issues, or compliance clarification, contact UCS through the official support channel:

support@upwardcreditsolutions.com

26. Final Affiliate Acknowledgment

By applying for, being approved for, accessing, or participating in the UCS affiliate program, you acknowledge and agree that:

• UCS is an educational and lender-readiness platform.
• UCS is not a credit repair company.
• UCS is not a lender, bank, mortgage company, broker, or loan originator.
• UCS does not guarantee approvals, funding, specific credit score outcomes, customer results, course sales, or affiliate earnings.
• Affiliates earn only on qualified direct course sales under the current standard program.
• The standard commission is currently 30% per qualified course sale, equal to $89.10 on the current $297 course price.
• Commissions are subject to a 45-day hold, refund review, chargeback review, fraud review, attribution review, and compliance review.
• UCS does not use MLM, downline, or override commission structures in the standard affiliate program.
• Affiliates must use approved UCS assets and approved messaging.
• Affiliates are responsible for accurate disclosures, compliant promotion, and professional conduct.