Affiliate Program Terms and Conditions

1. Eligibility

To participate in the Program, you must:

1. (a) Be at least 18 years of age or the age of majority in your jurisdiction, whichever is higher;
2. (b) Have the legal capacity to enter into binding agreements;
3. (c) Maintain a public-facing channel, audience, or platform suitable for promoting the Product (including but not limited to: website, blog, newsletter, YouTube channel, podcast, social media account, or similar);
4. (d) Be approved by the Company following submission of your application.

The Company reserves the right to approve or reject any application at its sole discretion, without providing reasons.

2. The Product

The Program promotes The 10-Second Money Method (the “Product”), a digital personal finance method sold via decideyourmoney.com. The Product is an educational resource and does not constitute personalised financial, legal, or tax advice.

3. Commissions and Payment

3.1 Commission Rate

Affiliates who join the Program before 30 June 2026 (the “Founding Period”) are granted a lifetime commission rate of 50% of the final sale price of the Product for each qualifying sale referred by them (“Founding Rate”). Affiliates who join after 30 June 2026 are granted a commission rate of 30% (“Standard Rate”).

3.2 Commission Calculation

Commissions are calculated as a percentage of the final sale price paid by the customer, net of applicable taxes, currency conversion fees, and payment processor fees.

3.3 Price Changes

The Company reserves the right to modify the base price of the Product at any time, including through promotional pricing, permanent increases, or permanent decreases. Affiliate commission rates apply to the final sale price at the time of purchase, regardless of any price modifications. Affiliates acknowledge that the dollar amount per sale may fluctuate proportionally with price changes. Commissions calculated at the time of sale remain valid and payable regardless of subsequent price changes.

3.4 Cookie Window

A sale is attributed to an Affiliate if the customer makes a purchase within 90 days of their first click on the Affiliate’s tracking link, provided no other affiliate link is clicked in between.

3.5 Payment Processing

All commissions are processed and paid by Affonso (affonso.io), the independent affiliate management platform engaged by the Company. The Company does not process commission payments directly. Affonso operates under its own Terms of Service which also apply to Affiliates’ use of the platform.

3.6 Hold Period

Commissions earned by Affiliates are subject to a 21-day hold period from the date of the qualifying sale before being approved for payment. This hold period accommodates the 14-day customer money-back guarantee plus additional administrative processing time. Commissions associated with sales that are refunded, charged back, or otherwise reversed during the hold period will not be payable and will be cancelled.

3.7 Payment Schedule

Commissions are paid monthly, on the 15th of each month, for qualifying sales from the previous calendar month. A minimum payout threshold of $25 USD applies. Unpaid commissions below the threshold carry forward to subsequent months.

3.8 Payment Methods

Affiliates may select their preferred payment method (PayPal, Wise, bank transfer, or cryptocurrency) within the Affonso dashboard. The Company is not responsible for payment failures caused by incorrect payment details provided by the Affiliate.

4. Refunds and Commission Reversal

4.1 14-Day Money-Back Guarantee

The Product carries a 14-day money-back guarantee. If a customer requests and receives a refund within this period, the corresponding commission will be reversed and deducted from the Affiliate’s unpaid balance or, if already paid, debited from future commissions.

4.2 Post-Guarantee Refunds

Refunds granted after the 14-day guarantee period at the Company’s discretion will also result in commission reversal if the refund is related to fraud, chargeback, or dispute.

4.3 Fraudulent Transactions

Commissions associated with fraudulent transactions, chargebacks, or reversed payments will be cancelled regardless of when they occur.

5. Promotional Conduct

5.1 Permitted Activities

Affiliates may promote the Product through their own websites, newsletters, social media accounts, YouTube channels, podcasts, blog posts, and similar channels using their unique tracking link.

5.2 Disclosure Requirements

Affiliates must comply with all applicable advertising, consumer protection, and disclosure laws in their jurisdiction, including but not limited to:

1. (a) U.S. Federal Trade Commission (FTC) Endorsement Guides requiring clear disclosure of material connections;
2. (b) Australian Consumer Law and Australian Association of National Advertisers (AANA) Code of Ethics;
3. (c) UK Advertising Standards Authority (ASA) guidelines;
4. (d) EU Consumer Rights Directive requirements.

Affiliates must clearly and conspicuously disclose their affiliate relationship with the Company in all promotional content using terms such as “#ad”, “#affiliate”, “sponsored”, “affiliate link”, or equivalent language appropriate to the platform.

5.3 Prohibited Activities

The following activities are strictly prohibited and will result in immediate program termination and commission forfeiture:

1. (a) Self-referrals (purchasing the Product using your own affiliate link);
2. (b) Clickbait, misleading, or deceptive promotional content;
3. (c) False claims about the Product’s benefits, results, or guarantees;
4. (d) Spam, unsolicited bulk email, or violation of CAN-SPAM Act (US), Spam Act 2003 (AU), GDPR (EU), or CASL (Canada);
5. (e) Use of the Company’s trademarks, logos, or branding beyond what is provided in the Marketing Kit without written permission;
6. (f) Bidding on the Company’s brand keywords or trademarked terms in paid search advertising (including Google Ads, Bing Ads, or similar);
7. (g) Cookie stuffing, click fraud, or any automated mechanism to generate fake clicks or conversions;
8. (h) Redirecting traffic from fraudulent or misleading landing pages;
9. (i) Creating domains or usernames that incorporate the Company’s brand name or suggest official affiliation;
10. (j) Any activity that violates applicable law or third-party platform terms of service;
11. (k) Representing the Product as personalised financial, legal, or tax advice, or implying that the Product replaces consultation with a licensed financial professional;
12. (l) Making specific claims about financial returns, savings amounts, income outcomes, or investment performance that customers will achieve from using the Product (for example: “save $5,000 in 30 days”, “guaranteed returns”, “10x your investment”, or similar specific guarantees).

5.4 Marketing Kit Use

The Company provides approved Affiliates with a Marketing Kit containing promotional copy, product descriptions, and tracking information. The copy provided is suggested and may be adapted to the Affiliate’s voice, provided that all factual claims remain accurate and no misleading statements are made about the Product.

6. Intellectual Property

6.1 Company Property

The Company retains all rights, title, and interest in the Product, the 10-Second Money Method trademark, the Decide Your Money brand, and all associated intellectual property. No license or right is granted to the Affiliate except as expressly stated in these Terms.

6.2 Affiliate Content

The Affiliate retains ownership of original content they create to promote the Product. By submitting such content to the Company for review or inclusion in case studies, the Affiliate grants the Company a non-exclusive, royalty-free license to use, reproduce, and display such content for promotional purposes.

6.3 Marketing Kit Redistribution

The Marketing Kit and its contents are provided for the exclusive use of approved Affiliates in connection with the Program. Redistribution, resale, or sharing outside the Program is prohibited.

7. Program Modifications and Termination

7.1 Modifications

The Company reserves the right to modify these Terms, commission rates, cookie duration, payout schedules, or any other aspect of the Program at any time. Material changes will be communicated to active Affiliates with reasonable advance notice (typically no less than 30 days) via email or through the Affonso platform.

7.2 Termination by Affiliate

Affiliates may terminate their participation in the Program at any time by notifying the Company via our contact form. Commissions earned and approved prior to termination will be paid according to the standard payment schedule.

7.3 Termination by Company

The Company may terminate an Affiliate’s participation in the Program at any time, with or without cause, by providing written notice. Grounds for immediate termination include breach of these Terms, fraudulent activity, or promotional conduct that damages the Company’s reputation.

7.4 Program Discontinuation

The Company may discontinue the Program in its entirety at any time for reasons including but not limited to: low program viability, change of business direction, technical infeasibility, or unforeseen circumstances. In the event of Program discontinuation:

1. (a) Active Affiliates will receive at least 30 days advance written notice when reasonably possible;
2. (b) If discontinuation is immediate due to force majeure, outstanding commissions earned and approved prior to the discontinuation date will still be processed and paid through Affonso;
3. (c) No future commissions will accrue after the discontinuation date, regardless of previously placed cookies;
4. (d) The “lifetime” commitment under the Founding Rate is tied to the Program’s operational lifetime and does not extend beyond Program termination.

8. Warranties and Disclaimers

8.1 No Guarantees

The Company makes no representation or warranty regarding the income potential, sales volume, or success that Affiliates may achieve through the Program. Actual results depend on the Affiliate’s audience, promotional efforts, market conditions, and other factors outside the Company’s control.

8.2 As-Is Basis

The Program, the Marketing Kit, and related materials are provided on an “as-is” and “as-available” basis. The Company disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

9.1 Liability Cap

To the maximum extent permitted by applicable law, the Company’s total liability to any Affiliate arising from or related to the Program shall not exceed the total commissions paid to the Affiliate in the twelve (12) months preceding the claim.

9.2 Excluded Damages

The Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost business opportunities, or loss of goodwill, even if the Company has been advised of the possibility of such damages.

9.3 Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any rights that cannot be excluded under the Australian Consumer Law or equivalent applicable consumer protection legislation.

10. Indemnification

The Affiliate agrees to indemnify, defend, and hold harmless the Company, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from:

1. (a) The Affiliate’s breach of these Terms;
2. (b) The Affiliate’s promotional activities, including any false, misleading, or non-compliant content;
3. (c) The Affiliate’s violation of applicable laws or third-party rights;
4. (d) The Affiliate’s use of the Company’s intellectual property beyond the scope of these Terms.

11. Governing Law and Dispute Resolution

11.1 Governing Law

These Terms are governed by the laws of New South Wales, Australia, without regard to conflict of law principles.

11.2 Dispute Resolution

Any dispute arising from or related to these Terms or the Program shall first be addressed through good-faith negotiation between the parties. If unresolved within 60 days, disputes shall be submitted to mediation in Sydney, Australia, before any litigation is initiated.

11.3 Jurisdiction

The parties submit to the exclusive jurisdiction of the courts of New South Wales, Australia, for any unresolved disputes.

12. General Provisions

12.1 Entire Agreement

These Terms, together with any additional policies referenced herein, constitute the entire agreement between the Company and the Affiliate regarding the Program and supersede all prior agreements.

12.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

12.3 No Waiver

Failure by the Company to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

12.4 Assignment

The Affiliate may not assign their rights or obligations under these Terms without the Company’s prior written consent. The Company may assign its rights and obligations freely, including in connection with a merger, acquisition, or sale of assets.

12.5 Independent Contractors

The Affiliate and the Company are independent contractors. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between them.

12.6 Notices

All legal notices to the Company shall be sent to:

Decide Your Money (ABN 44 692 416 783, registered in Australia)
Notices may be sent through our contact form

13. Acknowledgment

By applying to and participating in the Program, the Affiliate acknowledges that they have read, understood, and agreed to be bound by these Terms and Conditions.