Terms of Service

1. NATURE OF THE SERVICE & REGULATORY DISCLOSURE

• • Advertising Network Only: The Platform acts exclusively as a commercial advertising directory and transaction-tracking network. The Platform does not process, receive, or host primary consumer payments for products or services sold by Business Advertisers.
• • No Investment or Joining Fees: Membership and registration on the Platform are 100% free for all Members. No purchase, inventory loading, or sign-up fee is required to participate or earn commissions.
• • FTC Compliance & Anti-Pyramid Protection: All rewards, cashback, and multi-tier commissions paid within this network originate entirely from real, verified, post-purchase advertising fees paid by Business Advertisers for actual, completed commercial transactions. No compensation is paid for the mere recruitment of other Participants.

2. STRIPE ONBOARDING & TAX COMPLIANCE (W-9)

• • Mandatory Stripe Onboarding: To receive payouts, all Members and Business Advertisers must successfully complete onboarding via Stripe Connect. You agree to comply with all Stripe terms and provide accurate identity and banking information.
• • W-9/TIN Submission: To ensure absolute compliance with IRS guidelines, all Participants are required to submit digital tax verification once your commission earnings reach $600 (you will be contacted by Stripe via email and will have a limited amount of time to submit the form). Failure to submit the required document will result in blocked access to withdrawing future funds owed even though your available funds will remain in your account until the end of the year. If you fail to provide a W-9 within 30 days of the new year, you risk your account being suspended and/or deleted.
• Tax Classification of Payouts:

  Post-Purchase Rebates: Direct cashback received by a Participant on their own purchases is legally treated as a post-purchase price discount and is generally non-taxable, but may be included as income by Stripe.

  Referral Income: All Tier 2 through Tier 5 commissions and network referral payouts constitute taxable non-employee compensation.

  Form 1099-NEC: The Platform, via Stripe, will track cumulative annual referral earnings and issue IRS Form 1099-NEC where applicable.

3. ADVERTISER PREPAID ACCOUNT & THE 10% ADVERTISING FEE

• • The Advertising Fee: 10% of the total gross transaction amount (capped at $250.00 per transaction).
• • Prepaid Account Funding: Business Advertisers must fund an in-app prepaid advertising account via Stripe.
• • Hard Account Balance Restrictions: Transactions are blocked if account balance is insufficient.
• • Refundability and Escheatment: The 10% ad fees are final and cannot be refunded or modified due to multiple payouts from each finalized transaction. Escheatment is governed by Nevada unclaimed property laws.
• • Discontinued Business Account: A $25 fee applies. Any remaining funds in the advertiser's account balance over $25 will be refunded to the advertiser. Advertiser is responsible for the $25 fee if account balance is below $25.

4. TRANSACTION FINALIZATION & DELAYED CLAUSE

• • Mandatory in-app finalization by Business Advertisers.
• • In-Person QR Code Verification for fraud protection or manual finalization by the business as needed.
• • Delayed finalization option with mandatory disclosure.
• • Standard withdrawals via Stripe (minimum $10) - A Perk Miner transfer fees applies (2.9% of the withdrawal amount + $0.50).

5. COMPENSATION PLAN & MULTI-TIER REWARD STRUCTURES (THE TREE OF OPPORTUNITY)

All calculations based on gross transaction volume up to $2,500 per transaction.