Partner Agreement

⚠️ Placeholder agreement. This summary is for scaffolding only and is not the final, attorney-drafted contract. Replace before scaling the program.

1. Commission structure

Compensation is tiered by partner type. Licensed partners (NMLS loan officers, DRE real estate agents) earn a revenue share on each funded loan; referral partners earn a flat bounty per funded loan. Exact rates are confirmed in writing at approval and may be adjusted on 30 days' notice.

2. Payout cadence

Commissions are calculated on funded loans and paid on a monthly cycle, net of any clawbacks for loans that are rescinded, charged back, or found to involve fraud or non-compliant lead sourcing.

3. Attribution

Credit is assigned on a first-touch basis using your unique referral identifier for 90 days from the consumer's first visit. If a consumer arrives via more than one partner, the first partner retains credit for the full window.

4. TCPA & marketing compliance

Partner agrees to comply with all applicable laws including the TCPA, CAN-SPAM, state telemarketing and Do-Not-Call rules, and to obtain all required prior express written consent before contacting or referring any consumer. Partner will not use auto-dialers, pre-recorded messages, or SMS without compliant consent and will retain proof of consent.

5. NMLS marketing rule acknowledgment

Licensed partners acknowledge their obligations under applicable NMLS / state advertising rules, including accurate license disclosure and prohibitions on misleading rate or approval claims.

6. Brand & IP use

Partner receives a limited, revocable, non-exclusive license to use AI HELOCs marks solely to promote the program as approved. Partner may not modify the marks, imply lender status, or make guarantees of approval, rates, or terms.

7. Term & termination

Either party may terminate at any time with written notice. Earned, non-clawed-back commissions on already-funded loans survive termination. Material breach (including compliance violations) permits immediate termination and forfeiture of pending commissions.