AFFILIATE PROGRAM AGREEMENT
This Affiliate Program Agreement (the “Agreement”) is entered into by and between Legal Analysis LLC D/B/A Credit CRB (“Company”) and the undersigned affiliate (“Affiliate”), effective as of the Effective Date indicated upon enrollment.
1) Purpose and Overview
This Agreement sets the terms under which Affiliate markets Company’s offerings and earns commissions on amounts successfully received by Company from clients referred by Affiliate.
2) Definitions
2.1 “Successfully Received / Successfully Collected.” Amounts are considered successfully received/collected when a client’s payment has cleared and no chargeback is requested within sixty-one (61) days after the Company's receipt of funds. (For clarity: “chargeback,” not “charge off.”)
2.2 “Client.” Any person or entity that purchases Company offerings directly from Company and whose purchase is attributable to Affiliate under Company’s attribution rules.
2.3 “Attribution.” Company’s then-current systems (e.g., links, CRM, order forms) determine which Affiliate is credited for a transaction.
3) Covered Offerings & List Prices
Affiliate may promote the following Company offerings:
Extreme, In-Depth Credit Repair
Setup fee: $2,595.
Optional separate “back-end” success fee for deletions: $3,400 (client signs a separate contract; whether it is commission-eligible for Affiliate is at Company’s discretion).
If a purchaser does not need credit repair, the company may issue a one-year transferable certificate to gift the credit repair to a family member, work associate, or close friend.
Low-Interest Business Loans (includes business credit building and business credit report repair).
Business Grants (and Forgivable Loans).
Pending Contract Negotiations (Company negotiates with third parties to reduce a client’s invoice/contract price; e.g., coaches, vehicles, equipment, fleets, gym equipment, etc.).
List price references from the client conversation (non-binding & subject to change by Company):
Business credit building package (all-in-one): $7,595.
Business grants package: $3,595.
Pending contract negotiations package: $2,795.
Credit repair setup: $2,595; optional deletions success fee: $3,400 (separate agreement).
These figures are provided for marketing alignment and may be updated by the Company at any time.
4) Commission Structure (Standard Tier)
Unless otherwise stated in writing by Company, Affiliate’s standard commission is fifteen percent (15%) of amounts Company successfully receives with respect to the following revenue types:
4.1 General/Standard Revenue. Fifteen percent (15%) of all amounts successfully received by the Company from the referred client for covered offerings.
4.2 Business Loans. The company charges the client a one percent (1%) fee on successful business loans (including loans where funds are received or the client has access to funds, such as an open line of credit). Affiliates receive 15% of that 1%.
4.3 Business Credit & Charge Cards. The company charges three percent (3%) of the maximum credit limit issued on business credit/charge cards for the client (where the client is approved and receives the card). Affiliates receive 15% of that 3%.
4.4 Business Grants & Forgivable Loans. The company charges twenty percent (20%) of the amount of grants/forgivable loans received by the client. Affiliates receive 15% of that 20%.
4.5 Pending Contract Negotiations. Company charges twenty percent (20%) of the savings Company negotiates for the client versus the original price/invoice. Affiliates receive 15% of that 20%.
4.6 Exceptions for Deletions Success Fee. The $3,400 credit-repair deletions fee is billed via a separate agreement. Company may exclude this item from Affiliate commissions (Company will determine and notify Affiliate whether this line item is commission-eligible).
5) Loan Fee Labeling; Lender/Government Restrictions
Certain lenders or programs may prohibit an outside entity (including Company) from being named and paid on a closing statement or may disallow a “broker fee.” In such cases:
Company may invoice the client directly to be paid immediately, and/or
Company may characterize its 1% loan fee as allowable items such as commercial broker fee and/or document collection and preparation charges, including collection of tax returns, assisting with P&Ls, personal financial statements, marketing plans, and/or business plans, as permitted by the applicable lender or program.
6) Payment Timing; Hold Period; Schedule
6.1 Hold Period. Commissions are earned only on amounts successfully received, meaning no chargeback within 61 days after Company’s receipt.
6.2 Payout Schedule. The company pays earned commissions on the 10th of each month for the entire third month prior (i.e., payments are two months and ten days behind). Examples:
February earnings → paid May 10.
March earnings → paid June 10.
April earnings → paid July 10.
6.3 Method. The company will pay via the method it designates (e.g., ACH/wire/PayPal) and may require tax forms or compliance steps before releasing payments.
7) Client Exclusivity (Underlying Client Agreement)
For clients engaged through Company, the client agrees (in Company’s client agreement) that Company will serve as the client’s exclusive superior loan broker team for three (3) years for all types of business loans (including business vehicles, mortgages and refinances for new/existing buildings, equipment loans, etc.).
8) Certified Business Broker Tier (Optional)
Affiliate may be eligible for an independent-contractor tier (e.g., a “Certified Business Broker” program) with a 30% commission rate if Affiliate forms and operates through an LLC (or other company), collects all required documents, and completes Company’s workshop. Details, eligibility, and acceptance are at Company’s discretion.
9) Marketing; Materials; Compliance
Affiliates must represent offerings truthfully, use only Company-approved claims and materials, and comply with applicable laws, lender and program rules, and platform policies. Companies may update materials, prices, and eligibility criteria at any time.
10) Disputes; Notices
Affiliate disputes regarding commissions must be submitted in writing by email to the address designated by Company within the timeframe specified by Company’s policies. Notices under this Agreement shall be sent to the parties’ last provided email addresses.
11) Independent Contractor; Taxes
Affiliate is an independent contractor and not an employee, partner, or agent of the Company. Affiliate is responsible for all taxes, registrations, and business formalities (e.g., forming an LLC if pursuing the 30% tier).
12) Confidentiality; IP
Affiliates will keep Company’s non-public information confidential and use it only to perform under this Agreement. The company retains all rights, title, and interest in its IP, materials, and data.
13) Term; Termination
Either party may terminate this Agreement upon written notice. Sections intended to survive (e.g., payments owed, confidentiality) shall survive termination. Commissions remain payable pursuant to Section 6 for qualifying transactions tracked to Affiliate and successfully received before or after termination, subject to the hold period and chargebacks.
14) Limitations; Indemnity
To the maximum extent permitted by law:
Neither party is liable for indirect or consequential damages.
Each party will indemnify the other against third-party claims arising from its breach of this Agreement or violation of law.
15) Miscellaneous
This Agreement constitutes the entire agreement between the parties on its subject matter and supersedes prior proposals or discussions. Company may update program policies with notice. If any provision is unenforceable, it will be modified to achieve its intent to the maximum extent permitted. This Agreement may be executed electronically.
16) Illustrative Examples (Non-Binding; For Marketing Clarity)
Example A — Business Loans: Client obtains $3,000,000 in loan approvals → Company’s 1% fee = $30,000 → Affiliate earns $4,500 (15%).
Example B — Business Credit Cards: Client’s aggregate card limits = $700,000 → Company’s 3% = $21,000 → Affiliate earns $3,150.
Example C — Grants: Client receives $80,000 in grants → Company’s 20% = $16,000 → Affiliate earns $2,400.
Example D — Contract Negotiations: $1,000,000 contract reduced to $900,000 → $100,000 savings → Company’s 20% = $20,000 → Affiliate earns $3,000.
(Examples are illustrative only and not a guarantee of results.)
Affiliate Consent & Acknowledgment
☑ I have read, understood, and agree to the terms of this Affiliate Program Agreement.
☑ I understand how commissions are calculated, paid, and subject to hold periods.
☑ I accept that results and earnings are not guaranteed and depend on client outcomes and successful receipt of funds.
☑ I consent to participate as an independent Affiliate under these terms.
