Affiliates
Fintology Affiliate Program Terms
Last updated: November 2, 2026
1. The program
The Fintology Affiliate Program ("Program") is run by Fintology AI Technologies LLC, 1700 Northside Dr NW, Ste A7 #917, Atlanta, GA 30318 ("Fintology", "we"). It pays you a commission when a business you refer becomes a paying Fintology partner. Joining is free. We review every application and may accept or decline it at our discretion. These Terms, together with the Fintology Terms of Service and Privacy Policy, are the agreement between you and Fintology for the Program.
2. Who can join
You must be at least 18, able to receive payouts and provide tax forms (a W-9 for US persons, a W-8 for non-US persons), and have a real audience or client base to share Fintology with. You may not be a current Fintology partner's employee referring your own employer, and you may not refer yourself, your own businesses, or a business that is already a Fintology partner or was one in the last 90 days.
3. Your link, your code, your portal
When you are approved we open your affiliate portal and issue your tracked link and code, your own page, and the marketing library. A referral counts when a business first reaches Fintology through your link or code and then signs up as a paying partner. Attribution is first touch, with a 30-day window from the click: if a business reached Fintology another way first (an ad, a search, another affiliate), that first source keeps the referral. Your portal shows your clicks, sign-ups, active accounts, pending and paid commission.
4. What you earn
Commission is a percentage of the monthly partner subscription fees Fintology actually receives from the partners you referred (Ultimate and Lite plans). It excludes one-time fees, client plans, taxes, refunds and anything not paid. Rates: Ultimate referrals start at 10% and rise to 20%, 30%, 40% and 50% when you have 20, 30, 40 and 50 active referred Ultimate accounts; Lite referrals start at 10% and rise to 20% at 20 and 30% at 30 active referred Lite accounts. An "active account" is a referred partner with a paid subscription in good standing in that month. When a threshold is reached, the higher rate applies to that whole month's commission. Commission is recurring: it continues each month a referred partner stays subscribed, for as long as you remain an active affiliate in good standing. We may change rates with 30 days' notice; changes apply from the notice date forward, never to commission already earned.
5. When you are paid
Each closed calendar month we build your statement and pay it around the 7th of the following month through the payout method in your portal (Stripe). The minimum payout is $50; smaller balances roll forward. No payout is sent until your tax form is on file and your payout details are verified. US affiliates receive a 1099 where required. You are responsible for your own taxes.
6. Reversals
Commission is reversed if the referred partner's payment is refunded within 14 days, is disputed or charged back, or fails and is not recovered. Reversed amounts are deducted from your next payouts; if there is no future commission to deduct from, we may invoice you for the reversed amount. Payouts can be held, with a reason shown in your portal, while a payment or a referral is being verified.
7. What you may say
Use the approved messaging and proof points in the marketing library: Fintology gives brokers, coaches, consultants and credit repair owners a funding portal under their own name; the client applies once; the file is read against 500+ lenders and 4,500+ lending products; our application specialists submit; the partner's fee is invoiced at approval; $820M+ in funding to date. Always say that the lender offering each product decides approvals, amounts and terms. Disclose that you earn a commission wherever you promote Fintology (FTC endorsement rules apply: a clear "affiliate" or "#ad" disclosure near the link).
8. What you may never say or do
You may not promise or imply guaranteed approvals, funding amounts, rates, timelines or approval rates; make earnings or income claims about Fintology partners or about this Program; promise credit-score results; say or suggest Fintology is a bank or is endorsed by a bank, a credit bureau or a government body; say clients pay nothing or partners pay nothing upfront; offer a free trial or free plan; say "the AI applies"; invent reviews, ratings, statistics or testimonials; or alter the approved materials. You may not bid on "Fintology" or its misspellings in paid search or use them in ad copy; send spam, unsolicited bulk email or messages, or use purchased lists; use cookie stuffing, forced clicks, pop-unders, or incentivised sign-ups without written approval; present yourself as Fintology (no "Fintology" in a domain, handle or page name without written permission); or promote Fintology on sites or in groups whose rules forbid it.
9. Brand use
We give you a limited, revocable, non-exclusive licence to use the Fintology name, logo and the assets in the marketing library, as provided and only to promote Fintology under these Terms. The licence ends when your participation ends.
10. Pause, hold and removal
We may pause your account (new commission stops and your public pages come down; commission already earned is not affected), hold payouts with a stated reason, or remove you from the Program. A material breach of section 8 (false or prohibited claims, fraud, brand bidding, spam or purchased lists, self-referral) forfeits unpaid commission. Either side may end participation at any time with written notice; on an ordinary ending, commission already earned on compliant referrals is paid after the reversal window in section 6, and recurring commission stops.
11. Other terms
You are an independent contractor, not an employee, agent or partner of Fintology, and you may not sign anything or make promises on our behalf. The Program is not exclusive. Non-public information you see in your portal or the library is confidential. Fintology's total liability to you under these Terms is limited to the commission owed to you for the six months before the claim. Georgia law applies. We may update these Terms; continued participation after notice means you accept the update.