Creator Program Terms

1. Acceptance & Eligibility

Plain language: You have to be an adult, in the US, and have the right to sign this. Checking the box on the application means you agree.

These Creator Program Terms (the "Agreement") form a binding contract between you ("Creator" or "you") and QuoteChecker.ai, operated by Montgomery Kuykendall as a sole proprietorship based in Boise, Idaho ("QuoteChecker", "we", "us"). By submitting the creator application at quotechecker.ai/partner with the agreement checkbox selected, you accept this Agreement in full.

To participate you represent and warrant that you:

1. Are at least 18 years old and have the legal capacity to enter this Agreement;
2. Are a U.S. person or entity (or are otherwise eligible to open a Stripe Connect Express account in a supported country);
3. Are not on any U.S. government sanctions or denied-parties list;
4. Will provide accurate information on your application and keep it current;
5. Own, control, or have explicit permission to promote QuoteChecker on the channel(s) you listed on your application.

2. Application & Approval

Plain language: An automated review approves or rejects your channel. We can reject, reverse, or suspend an approval at any time.

• Applications are evaluated by an automated review of the channel URL you submit. Approval or rejection is returned to you in your browser and via email.
• Approval grants you a personal, non-exclusive, non-transferable right to participate in the Creator Program subject to this Agreement.
• We may reject any application, reverse an approval, or suspend an active creator at any time, with or without cause, including (but not limited to) automated review error, discovery of disqualifying content, or violation of this Agreement.
• Only one active creator slug per channel or individual. Operating multiple accounts to bypass limits, earn additional commission, or manipulate attribution is grounds for termination and forfeiture of unpaid commissions.

3. Commissions, Net Revenue & Payment

Plain language: You earn 30% of the money QuoteChecker actually keeps after taxes, refunds, discounts, and chargebacks — not on the sticker price. Commissions move from "pending" to "earned and payable" after a 14-day hold, then pay out monthly via Stripe Connect.

• Commission rate: Thirty percent (30%) of Commissionable Net Revenue (defined below) actually collected and retained by QuoteChecker on each invoice paid by a subscriber you referred.
• Commissionable Net Revenue: the gross amount actually received and retained by QuoteChecker from a Referred Subscriber for subscription fees, strictly excluding (a) applied discounts, promotional credits, coupon values, and free trials; (b) sales, use, or value-added taxes; (c) third-party payment processing fees (including, without limitation, Stripe transaction and platform fees); (d) refunds, returns, or credits issued to the Referred Subscriber; and (e) chargebacks, bank reversals, dispute fees, and any associated administrative or penalty fees incurred by QuoteChecker. Commissions are calculated only against Commissionable Net Revenue that is definitively cleared and no longer subject to the refund window.
• Three-stage vesting — "Pending," "Earned & Payable," "Paid":
  1. Pending: A commission is recorded as "Pending" at the moment a Referred Subscriber's invoice settles successfully in Stripe. Pending commissions are informational only and do not represent funds owed to you.
  2. Earned & Payable: A Pending commission becomes "Earned & Payable" only after the expiration of a fourteen (14) day vesting period (the "Vesting Period"), and only if the underlying Referred Subscriber account remains active, in good standing, and unrefunded on that date. QuoteChecker has no obligation to pay any commission on an invoice that is refunded, disputed, reversed, or flagged for fraud prior to the expiration of the Vesting Period.
  3. Paid: A commission is "Paid" only once a Stripe Connect Transfer to your verified Connect account has been initiated by QuoteChecker.
• Lifetime recurring model: Commissions recur for the active life of the subscription, subject to the Vesting Period and to your continued compliance with, and participation in, this Agreement. Your right to recurring commissions terminates automatically upon termination of this Agreement for any reason (see Section 13).
• Payout schedule: Earned & Payable commissions are disbursed on or around the first (1st) day of each calendar month via Stripe Connect Transfer. You must complete Stripe's hosted onboarding and maintain a verified Connect Express account to receive payouts. If your Connect account is not verified at the time of a scheduled payout, the balance remains Earned & Payable and is re-attempted on the next cycle; no commissions are forfeited solely due to onboarding delay.
• No minimum payout threshold: any positive Earned & Payable balance is transferred each cycle. Payouts are denominated and paid in U.S. Dollars (USD).
• Statements: Your stats dashboard at quotechecker.ai/r/<your-slug>/stats and your Stripe Express dashboard are the authoritative records of Pending, Earned & Payable, and Paid commissions. You must review both promptly and notify us within thirty (30) days of any discrepancy; absent timely notice the records are deemed accepted.

4. Refunds, Chargebacks, Clawbacks & Negative Balances

Plain language: If a referred subscriber refunds or charges back, you lose that commission — even if we already paid you. We can take it back from your next payout, and if there is no next payout, we can bill you directly. Chargebacks can arrive up to 120 days after the sale, so this right is perpetual.

• Forfeiture on reversal: If any invoice paid by a Referred Subscriber is refunded (in whole or in part), disputed, subject to a credit card chargeback, bank reversal, ACH return, or otherwise reversed for any reason, the commission associated with that invoice is immediately and permanently forfeited, regardless of whether the commission was Pending, Earned & Payable, or already Paid at the time the reversal is processed.
• Perpetual clawback right: You acknowledge that chargebacks and disputes may be initiated by card networks up to one hundred twenty (120) days (and in some networks longer) after the underlying transaction. Accordingly, QuoteChecker's right to claw back commissions on reversed transactions continues for the full applicable dispute window and survives termination of this Agreement.
• Set-off against future payouts: You irrevocably authorize QuoteChecker to recover any forfeited commission by (i) deducting the forfeited amount from any Pending or Earned & Payable commissions in your account, (ii) offsetting it against future commissions of any kind, and/or (iii) reversing Stripe Connect Transfers where permitted by Stripe. No further consent from you is required for such offsets.
• Negative Balance Carry-Forward & direct repayment: If your account balance is zero or your Pending/Earned & Payable commissions are insufficient to absorb a clawback, QuoteChecker will record a negative balance against your account that is carried forward and offset against future commissions. If the negative balance remains outstanding for more than thirty (30) days, or upon termination of this Agreement, you agree to remit payment in full to QuoteChecker within fifteen (15) days of written demand. Failure to repay a demanded negative balance is a material breach and entitles QuoteChecker to recover the balance, interest at the lesser of 1% per month or the maximum rate permitted by Idaho law, and reasonable collection costs and attorneys' fees.
• Fraud, abuse & policy-violation forfeiture: Commissions associated with referrals that QuoteChecker determines in good faith are fraudulent, self-referred, bot-driven, incentivized in violation of Section 6, procured through prohibited promotional methods, or otherwise manipulated are forfeited in full and subject to the same perpetual clawback and negative-balance mechanics described in this Section.
• Stripe fees and processing costs: Stripe processing fees, refund processing fees, and dispute fees on referred transactions are absorbed by QuoteChecker as the merchant of record; you are not separately billed for them, but they are excluded from Commissionable Net Revenue pursuant to Section 3.

5. Attribution & Referral Tracking

Plain language: You earn when a viewer uses your link or types your promo code at checkout. We track via Stripe metadata and session storage. No manual credit outside of that.

• Attribution sources: A subscriber is considered "referred by you" only if one of the following occurred at signup: (i) they clicked through your landing page at /r/<your-slug>, (ii) they visited the site with a ?ref=<your-slug> query parameter, or (iii) they entered your unique promotion code at Stripe Checkout.
• No manual credit: Commissions are awarded only for transactions recorded in Stripe or our database as attributed to your slug. We do not retroactively assign credit based on claimed referrals, screenshots, or testimonials.
• No click-tampering: Automated clicking, bot traffic, proxy-based self-referral, cookie-stuffing, iframe loading, pop-unders, and similar attribution manipulation are prohibited and grounds for immediate termination.
• One creator per transaction: If a customer's session has multiple referral attributions, QuoteChecker's attribution resolver determines the single creator credited. You agree that our attribution resolver's result is final.

6. Promotional Conduct, FTC Disclosure & Prohibited Activities

Plain language: Be honest, disclose that you earn a commission in plain English next to every link, don't bid on our brand name, don't stuff cookies, and don't misrepresent our subscription. Break these rules and you forfeit unpaid commissions and can be terminated on the spot.

1. FTC Endorsement Guides — clear and conspicuous disclosure required. You will comply strictly with the Federal Trade Commission's Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 C.F.R. Part 255), as revised in 2023, and the FTC's 2024 Rule on Consumer Reviews and Testimonials. You must disclose your material financial connection to QuoteChecker in each and every endorsement, in the same medium as the endorsement, in a manner that is difficult to miss and easily understood by an ordinary consumer.
2. Mandatory disclosure phrasing. Acceptable disclosures include phrases such as: "I earn a commission if you subscribe through this link," "As a QuoteChecker affiliate, I earn from qualifying subscriptions," or "Paid promotion." In video, the disclosure must be superimposed on-screen during the relevant portion of the endorsement, not placed only in the description. In audio, it must be spoken. In written posts (blog, social, email, description), it must appear before or alongside the link — never after a "Read more" fold.
3. Insufficient disclosures. The following do not, by themselves, satisfy the disclosure requirement: "affiliate link", "commissionable link", "partner", "collab", "supported by", "#ad" or "#sponsored" used without a proximate plain-English disclosure, platform-generated labels (e.g., Instagram "Paid partnership" tag, YouTube "Includes paid promotion" badge) used as the sole disclosure, or disclosures buried in an "About" page, footer, or bio.
4. Truthful Subscription Marketing — Negative Option Rule. You acknowledge that QuoteChecker Pro is a recurring, auto-renewing subscription subject to the FTC's Rule Concerning Recurring Subscriptions and Other Negative Option Programs (the "Negative Option Rule"). You will not misrepresent (i) the price of the subscription, (ii) its auto-renewing nature, (iii) the billing cadence ($10 USD/month or $99 USD/year, or the then-current price), (iv) the cancellation method, or (v) the 14-day refund window. You will not market QuoteChecker as a "one-time payment," "lifetime access," or "free" product, and you will not represent that cancellation is harder or easier than it actually is.
5. Truthful product claims. You will not make false, misleading, or unsubstantiated claims about QuoteChecker's features, accuracy, savings, results, benchmarks, or outcomes. You will not fabricate testimonials, use AI-generated testimonials or deepfakes without clear synthetic-media disclosure, or represent yourself as a QuoteChecker employee, co-founder, official spokesperson, or joint-venture partner.
6. Permitted channels. You may promote QuoteChecker on first-party content channels you own and control: YouTube, TikTok, Instagram, Facebook, X, LinkedIn, your blog, your podcast, your newsletter (with recipient consent), or similar media. You may not promote via unsolicited email, SMS, or push notifications, via any channel whose terms of service prohibit affiliate promotion, or via any channel that targets minors.
7. Prohibited promotional activities. The following activities are expressly prohibited and constitute a material breach of this Agreement:
   1. Self-referral / non-arm's length sales: using your referral link, slug, or promotion code to purchase a subscription for yourself, a household member, an entity you control, or any other non-arm's-length buyer in order to generate a discount or commission.
   2. Brand bidding and trademark PPC: bidding on the terms "QuoteChecker", "QuoteChecker.ai", "Quote Checker", "quotechecker.ai", "QuoteChecker discount", any misspelling or phonetic variant, or any QuoteChecker trademark in paid search, paid social, or display auctions on Google, Bing, Meta, TikTok, X, or any other ad network.
   3. Typosquatting and deceptive domains: registering, operating, or directing traffic through any domain, subdomain, social handle, app name, or username that incorporates "quotechecker" (or a confusable variant) or that implies an "official" QuoteChecker site (e.g., "quotecheckerofficial", "getquotechecker", "quote-checker-app").
   4. Parasiteware, cookie stuffing & attribution hijacking: using iframes, zero-pixel images, hidden redirects, pop-ups, pop-unders, browser toolbars, extensions, shopping-assistant overlays, interstitials, or any software that overwrites or injects attribution cookies or URL parameters without a genuine, intentional, affirmative user click on your promotional content.
   5. Doorway pages & cloaking: operating low-content, SEO-only doorway pages, automatically redirecting visitors from unrelated queries, or showing search engines different content from what end-users see.
   6. Incentivized / rebate / cashback traffic: paying, rewarding, or offering rebates, cashback, points, loyalty currency, or other consideration to users in exchange for clicking your link, entering your code, or subscribing, unless expressly approved by QuoteChecker in writing in advance.
   7. Coupon, deal, and rebate aggregators: promoting your slug or promotion code on coupon aggregators, deal-hunter sites, extension-based coupon injectors, or similar platforms without QuoteChecker's prior written consent.
   8. Fraudulent signups: generating subscriptions using stolen, synthetic, or test credit cards, bot networks, click farms, emulators, or coordinated identity fraud.
   9. Spam and malware distribution: promoting via unsolicited bulk email, SMS, messaging-app spam, comment spam, malware-adjacent networks, or via content that violates CAN-SPAM, TCPA, GDPR, or the EU ePrivacy Directive.
   10. Impersonation: presenting landing pages, emails, profiles, or ads that imply an official QuoteChecker page or endorsement beyond the scope of the Creator Program, or using the words "official", "official site", or "authorized" to describe your presence.
   11. Prohibited content: promoting QuoteChecker within, adjacent to, or via content that is defamatory, obscene, sexually explicit, discriminatory, that targets minors, that incites violence, or that is otherwise unlawful.
8. Enforcement. Violation of any subsection of this Section 6 entitles QuoteChecker to immediate termination for cause under Section 13 and total forfeiture of Pending, Earned & Payable, and (via perpetual clawback under Section 4) previously-Paid commissions connected to the prohibited activity.

7. Intellectual Property, Brand Use & Right of Publicity

Plain language: You can use our name and logo to promote us; you can't trademark them or imply a deeper partnership. In exchange, you let us put your name, handle, likeness, and a link to your channel on your /r/<slug> landing page and in normal program marketing.

1. QuoteChecker license to Creator. QuoteChecker grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, royalty-free, revocable license to use the "QuoteChecker.ai" name and publicly-available QuoteChecker logos and marketing materials solely to identify yourself as an authorized Creator Program participant and to promote the service and your referral link during the term of this Agreement. This license terminates automatically upon termination of this Agreement for any reason.
2. Restrictions on mark use. You will not (i) alter, recolor, stretch, or deface QuoteChecker logos beyond proportional scaling, (ii) combine QuoteChecker marks with other marks in a way that suggests joint branding, co-authorship, sponsorship, or endorsement, (iii) register (or attempt to register) any trademark, service mark, trade name, domain, subdomain, social handle, mobile app name, or business name containing "quotechecker" or a confusingly similar term, (iv) use QuoteChecker marks in paid advertising that bids on or otherwise targets QuoteChecker trademark keywords (see Section 6), or (v) use QuoteChecker marks after termination.
3. Reservation of rights. All right, title, and interest in QuoteChecker's trademarks, service marks, trade names, copyrights, software, website, audit output, prompts, benchmarks, and documentation remain with QuoteChecker. Nothing in this Agreement transfers any intellectual property to you. Any goodwill arising from your use of the QuoteChecker marks inures solely to QuoteChecker.
4. Creator license to QuoteChecker — Right of Publicity. Because QuoteChecker hosts a personalized landing page for you at quotechecker.ai/r/<your-slug> and may reference you in Creator Program marketing, you hereby grant QuoteChecker a worldwide, royalty-free, non-exclusive, sublicensable (to QuoteChecker's service providers solely to operate the program) license to use your name, creator handle, channel name, channel URL, profile photograph or avatar, logo, and publicly-associated trademarks for the purposes of (a) operating your personalized landing page and stats dashboard, (b) identifying you as a participating Creator in program-related communications, and (c) including your Creator attribution in internal analytics. This license is limited to promotion of the Creator Program and QuoteChecker's services.
5. Survival and wind-down. The Creator license to QuoteChecker terminates for new marketing campaigns upon termination of this Agreement. QuoteChecker may retain your identifiers in internal records, historical attribution logs, archived marketing materials, and immutable backups as required by ordinary business operations and applicable law.
6. Creator-owned content. You retain ownership of the original promotional content you create about QuoteChecker. You grant QuoteChecker a worldwide, royalty-free, non-exclusive license to quote, screenshot, repost with attribution, and link to your public promotional content on QuoteChecker's own channels for a reasonable period during and after the term.
7. Third-party rights. You represent and warrant that you have all rights necessary to grant the licenses in this Section 7, that your promotional content does not and will not infringe the intellectual property, publicity, privacy, or contract rights of any third party, and that you will not use music, footage, stock imagery, or brand marks of third parties without proper licensing.

8. Independent Contractor Status

Plain language: You're a freelancer, not an employee. You control how, when, and where you post. You pay your own taxes and cover your own costs.

You participate in the Creator Program as an independent contractor. Nothing in this Agreement creates an employment, agency, partnership, franchise, joint venture, or fiduciary relationship between you and QuoteChecker. You retain sole and absolute discretion over the methods, times, locations, platforms, tools, and manner in which you promote QuoteChecker, subject only to your compliance with this Agreement and applicable law. Consistent with the Idaho Industrial Commission's "right to control" test for independent-contractor classification, QuoteChecker does not direct the details, methods, or means by which you create, schedule, or publish your promotional content.

You acknowledge that you are solely responsible for (a) your own equipment, software, internet access, workspace, and all other costs of performance; (b) the reporting and payment of all federal, state, and local income, self-employment, sales, and other taxes on commissions you receive; (c) your own insurance coverage; and (d) any workers' compensation or disability coverage for yourself or any person you engage. You have no authority to bind QuoteChecker to any contract, representation, or obligation, and you will not hold yourself out as having any such authority.

9. Taxes & Reporting

Plain language: You pay your own taxes. Give Stripe accurate tax info (W-9 if U.S., W-8BEN if non-U.S.) or we may have to withhold 24% for backup withholding. Stripe issues 1099s when the IRS threshold is met.

• Your responsibility. You are solely responsible for all federal, state, local, and foreign taxes, contributions, and reporting obligations applicable to commissions you receive under this Agreement, including income tax and self-employment tax. Any amount payable to you under this Agreement is treated as a gross payment; you bear any tax or cost associated with it.
• No withholding by QuoteChecker. QuoteChecker does not withhold income tax, FICA, self-employment tax, or any similar amount from your payouts, except where required by law (including backup withholding described below).
• Required tax documentation. As a condition of receiving payouts, you must complete and keep current the tax forms required by Stripe Connect — a Form W-9 for U.S. persons and entities, or a Form W-8BEN (or W-8BEN-E) for non-U.S. persons and entities. QuoteChecker may withhold payouts until valid tax documentation is on file.
• Backup withholding. If you fail to provide a correct TIN on a W-9, or if the IRS notifies QuoteChecker or Stripe that you are subject to backup withholding, U.S. federal law may require 24% backup withholding from your payouts under Internal Revenue Code § 3406. You are responsible for resolving any mismatch with the IRS; withheld amounts are remitted to the IRS and are not recoverable from QuoteChecker.
• Information returns. For U.S. creators who meet the applicable federal and state reporting thresholds in a calendar year, Stripe will generate and deliver the appropriate information return (such as Form 1099-NEC or Form 1099-K) through the Stripe Express Dashboard. You acknowledge that federal thresholds are evolving — including the One Big Beautiful Bill Act's scheduled increase of the 1099-NEC/1099-MISC reporting threshold to $2,000 for payments made on or after January 1, 2026, with later inflation adjustments — and that several U.S. states maintain lower thresholds (e.g., $600). QuoteChecker and Stripe will apply the correct threshold for your jurisdiction; you are responsible for reporting all commissions on your own tax return regardless of whether an information return is issued.
• Non-U.S. creators. Non-U.S. creators are solely responsible for complying with the tax laws of their jurisdiction, including value-added tax, goods-and-services tax, and withholding obligations. U.S.-source commissions paid to non-U.S. persons may be subject to 30% withholding under IRC §§ 1441–1442 unless a valid W-8BEN establishes a treaty rate.
• Stripe terms. Your receipt of commissions is also subject to Stripe's Connected Account Agreement, Services Agreement, and related policies. Violations of Stripe's terms may result in suspended payouts for which QuoteChecker is not liable.

10. Data Privacy & Compliance Pass-Through

Plain language: If your promotional channels collect viewer or visitor data, you handle that legally — cookie banners, email consent, privacy policy, the whole stack. If a regulator comes for something you did, that's on you.

• Your properties, your compliance. You are an independent data controller with respect to any personal data you collect, process, or disclose through your own websites, landing pages, forms, newsletters, analytics, tracking pixels, or other properties used to promote QuoteChecker. You will maintain an accurate, publicly accessible privacy policy disclosing how you collect, use, store, share, and retain visitor and subscriber data.
• Applicable laws. You will comply with all applicable privacy, data-protection, and marketing laws, including (as applicable to you and your audience) the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA); the comprehensive state privacy laws in effect in other U.S. states; the EU General Data Protection Regulation (GDPR) and UK GDPR; the EU ePrivacy Directive; Canada's PIPEDA and CASL; the U.S. CAN-SPAM Act; and the Telephone Consumer Protection Act (TCPA) for any SMS.
• Email and SMS marketing. You will only email or text recipients who have given the consent required by the relevant jurisdiction. Every commercial email must include a compliant unsubscribe mechanism and honor opt-outs promptly. You will not scrape, buy, or rent email or phone lists for QuoteChecker promotion.
• Cookie and tracking disclosures. If your properties use cookies, pixels, fingerprinting, or similar technologies to track visitors who then click through to QuoteChecker, you will present the consent notices and opt-out mechanisms required by applicable law before any non-essential tracking occurs.
• No data transfer to QuoteChecker. You will not forward, sell, or otherwise transmit personal data collected on your own properties to QuoteChecker except as strictly necessary to operate your Creator account (e.g., your own contact information). QuoteChecker is not your data processor.
• QuoteChecker's own processing. QuoteChecker processes data about Referred Subscribers under its own Privacy Policy at quotechecker.ai/privacy. You acknowledge and agree that any commission-related data shown on your stats dashboard (aggregate counts, invoice identifiers, commission amounts) is disclosed to you solely to operate the Creator Program and is subject to the confidentiality obligations in Section 12.

11. Audit Rights & Recordkeeping

Plain language: If we suspect fraud or policy violations, we can ask you for records and inspect how you're promoting us. If an audit proves you overcollected commissions by more than 3%, you pay for the audit.

• Recordkeeping. During the term of this Agreement and for two (2) years after termination, you will maintain reasonable records of your promotional activities for QuoteChecker, including copies of material posts, pages, and emails; analytics exports demonstrating the source of referred traffic; disclosure practices; and any payments made to sub-affiliates, media buyers, or contractors engaged in connection with QuoteChecker promotion.
• Audit rights. QuoteChecker may, on not less than ten (10) business days' written notice (or immediately in cases of suspected fraud or regulatory inquiry), (a) audit your promotional records and disclosure practices; (b) request screenshots, analytics, and traffic-source data tied to your referrals; and (c) review your compliance with the FTC Endorsement Guides, the Negative Option Rule, and Sections 5, 6, and 7 of this Agreement. You will cooperate in good faith and respond to reasonable audit requests within fifteen (15) business days.
• Audit cost-shifting. Audits are at QuoteChecker's expense, except that if an audit reveals (i) any fraud, willful misconduct, or breach of Section 5 or Section 6, or (ii) an overpayment of commissions to you exceeding three percent (3%) of commissions paid in the audited period, you will reimburse QuoteChecker's reasonable audit costs, accounting and legal fees, plus the amount of the overpayment with interest at the lesser of 1% per month or the maximum rate permitted by Idaho law.
• Mandatory takedown cooperation. Upon written request, you will promptly remove, correct, or add required disclosures to any promotional content that QuoteChecker identifies as non-compliant with this Agreement or with applicable law. Failure to cooperate is a material breach.

12. Confidentiality

Any non-public information QuoteChecker shares with you (for example, unreleased features, private pricing, conversion metrics, or aggregate program data) is confidential. You will not disclose it to third parties or use it for any purpose other than promoting QuoteChecker under this Agreement. Your own commission totals are not confidential and you are free to disclose them.

13. Termination & Waiver of Procuring Cause

Plain language: Either of us can end this at any time. If we end it "without cause," you keep what you already earned (less clawbacks). If we end it "for cause" because you broke the rules, you forfeit everything unpaid. Either way, recurring commissions stop the day this agreement ends — we are not on the hook for residuals forever.

1. Termination by you. You may terminate your participation at any time by emailing contact@quotechecker.ai and requesting removal. Your landing page and promotion code will be deactivated within a reasonable period.
2. Termination without cause by QuoteChecker. QuoteChecker may terminate your participation, any creator slug, or the Creator Program as a whole at any time without cause by providing written notice (including by email or via the stats dashboard). Notice takes effect no later than fifteen (15) days after sending.
3. Immediate termination for cause. QuoteChecker may terminate this Agreement, suspend your account, deactivate your landing page and promotion code, and forfeit all Pending and Earned & Payable commissions immediately, in its sole and absolute discretion and without prior notice, if QuoteChecker determines in good faith that you have (a) breached Sections 5, 6, 7, 10, 11, or 12; (b) engaged in fraud, self-referral, chargeback abuse, or other prohibited conduct; (c) caused or contributed to a regulatory inquiry, FTC warning letter, or consumer-protection action involving QuoteChecker; or (d) become insolvent, filed for bankruptcy, or ceased active operation of your promotional channels for more than six (6) consecutive months.
4. Effect of termination without cause. Upon termination without cause, (i) your landing page and promotion code are deactivated, (ii) no further commissions accrue on new invoices, (iii) QuoteChecker will pay you any commissions that became Earned & Payable on or before the effective date of termination, less any forfeitures, clawbacks, and negative balances permitted under Sections 3, 4, and 11, and (iv) perpetual clawback rights under Section 4 continue for the full applicable dispute window.
5. Effect of termination for cause. Upon termination for cause, you immediately forfeit all Pending and Earned & Payable commissions in your account, and QuoteChecker may pursue all remedies available at law or in equity to recover previously-Paid commissions attributable to the prohibited conduct, together with audit costs and reasonable attorneys' fees.
6. Express waiver of Procuring Cause Doctrine and residual commissions. You acknowledge and agree that your right to recurring, residual, or trailing commissions is entirely contingent on your remaining an active, compliant, and participating member of the Creator Program. Upon termination of this Agreement for any reason — whether by you, by QuoteChecker, with or without cause, or by program wind-down — you shall have no right, title, or interest in any commissions that would otherwise have accrued on invoices issued to Referred Subscribers after the effective date of termination, and you expressly waive any claim to such residual commissions under the common-law "procuring cause" doctrine, any analogous sales-representative or commission-protection statute, or any equitable theory (including quantum meruit or unjust enrichment). This waiver is a material inducement to QuoteChecker's willingness to offer recurring commissions at the rate set out in Section 3.
7. Dormant accounts. If your account has no active Referred Subscribers and no new qualifying referral activity for twelve (12) consecutive months, and you have failed to complete Stripe Connect onboarding during that period, QuoteChecker may deactivate your landing page and promotion code and forfeit any remaining sub-threshold balance. QuoteChecker will provide at least thirty (30) days' email notice before forfeiting a dormant balance.
8. Survival. Sections 3 (final statements), 4 (perpetual clawback), 6 (enforcement consequences), 7 (IP reservation, post-term restrictions, retained archival rights), 8, 9, 10, 11, 12, 13 (waivers), 14, 15, 16, 17, 18, and 19 survive termination.

14. Disclaimers

The Creator Program, the stats dashboard, the promotion codes, the Stripe Connect integration, and the referral tracking infrastructure are all provided "AS IS" and "AS AVAILABLE". QuoteChecker makes no warranties, express or implied, regarding (a) the amount of commission you will earn, (b) the number or quality of referrals your content will generate, (c) the continued availability or duration of the Creator Program, (d) uninterrupted or error-free operation of the tracking, attribution, or payout infrastructure, or (e) the accuracy or timeliness of any dashboard, statement, or report beyond a reasonable commercial effort. QuoteChecker disclaims all implied warranties, including merchantability, fitness for a particular purpose, title, and non-infringement, to the maximum extent permitted by law. You assume all risk and responsibility for your promotional activity and for any income-producing decisions you make in reliance on the Creator Program.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL QUOTECHECKER BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST COMMISSIONS, LOST OPPORTUNITY, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

QUOTECHECKER'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THIS AGREEMENT, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, WILL NOT EXCEED THE GREATER OF (A) THE TOTAL COMMISSIONS PAID BY QUOTECHECKER TO YOU IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). THE PARTIES ACKNOWLEDGE THAT THIS LIMITATION IS A MATERIAL BASIS OF THE BARGAIN AND THAT COMMISSIONS WOULD NOT BE PAID AT THE RATES SET OUT IN SECTION 3 WITHOUT IT.

16. Indemnification

You agree to indemnify, defend, and hold harmless QuoteChecker, its founder, owners, contractors, service providers, and agents (each an "Indemnified Party") from and against any and all third-party claims, demands, investigations, regulatory actions, losses, liabilities, damages, fines, penalties, settlements, judgments, costs, and expenses (including reasonable attorneys' fees and audit costs) arising out of or relating to: (a) your promotional content, conduct, or omissions; (b) your breach or alleged breach of this Agreement, including any representation or warranty; (c) your failure to comply with the FTC Endorsement Guides, the Negative Option Rule, or any other applicable advertising, consumer-protection, or privacy law; (d) your infringement or alleged infringement of any third-party intellectual property, publicity, privacy, contract, or confidentiality right; (e) your use of the QuoteChecker marks outside the license granted in Section 7; (f) any claim by a visitor, subscriber, or regulator arising from your data collection or marketing practices; or (g) any tax, withholding, or employment-classification claim asserted against QuoteChecker on account of your participation in the Creator Program. QuoteChecker may, at its option, assume the exclusive defense and control of any matter subject to indemnification, in which case you will cooperate with QuoteChecker's defense.

17. Governing Law, Disputes & Class Action Waiver

Plain language: Disputes are governed by Idaho law and heard in Ada County, Idaho. Before filing anything, we each try to work it out for 30 days. No class actions — claims are individual only.

1. Governing law. This Agreement is governed by and construed under the laws of the State of Idaho, without regard to conflict-of-laws principles. The U.N. Convention on Contracts for the International Sale of Goods does not apply.
2. Exclusive venue. Each party consents to exclusive personal jurisdiction and venue in the state and federal courts located in Ada County, Idaho for any dispute arising out of or relating to this Agreement, and waives any objection based on forum non conveniens.
3. Informal resolution first. Before initiating formal proceedings, the parties will attempt in good faith to resolve any dispute by direct written negotiation for at least thirty (30) days, beginning on the date the complaining party delivers written notice of the dispute to the other at the contact address in Section 20.
4. Individual claims only — class action waiver. To the maximum extent permitted by law, all claims must be brought in the parties' individual capacities, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. You and QuoteChecker each expressly waive any right to participate in a class action, collective action, or private attorney general action against the other. If a court determines that this class-action waiver is unenforceable with respect to a particular claim, that claim (and only that claim) will be severed and may proceed in court on a class basis; the remaining claims will proceed individually under this Agreement.
5. Attorneys' fees. In any action to enforce this Agreement, the prevailing party is entitled to recover its reasonable attorneys' fees and costs, except as otherwise expressly limited by applicable law.
6. Statute of limitations. Any claim arising out of or relating to this Agreement must be filed within one (1) year after the cause of action arose; otherwise the claim is permanently barred, except where applicable law prohibits a shorter limitation period.
7. Equitable relief. Notwithstanding the informal-resolution requirement, either party may seek injunctive or other equitable relief in a court of competent jurisdiction at any time to protect its intellectual property, confidential information, or the integrity of the Creator Program.

18. Changes

QuoteChecker may modify this Agreement at any time by posting a revised version at this URL with an updated "Effective Date". Non-material changes (typos, formatting, internal cross-references) take effect immediately on posting. Material changes take effect thirty (30) days after the revised Effective Date or, if later, thirty (30) days after notice is sent by email to the address on file or surfaced on your stats dashboard. Your continued participation in the Creator Program after a material change takes effect constitutes acceptance of the revised Agreement. If you do not agree to a material change, your sole remedy is to terminate under Section 13 before the change takes effect.

19. Entire Agreement

This Agreement, together with the QuoteChecker.ai Terms of Service, Privacy Policy, and your Stripe Connect agreements, constitutes the entire agreement between you and QuoteChecker regarding the Creator Program and supersedes all prior or contemporaneous understandings, proposals, or representations, whether oral or written. In the event of a direct conflict between this Agreement and the QuoteChecker Terms of Service with respect to the Creator Program specifically, this Agreement controls. If any provision of this Agreement is held invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force. QuoteChecker's failure to enforce any provision is not a waiver of that or any other provision. You may not assign or transfer this Agreement (by operation of law, change of control, or otherwise) without QuoteChecker's prior written consent, and any purported assignment in violation of this provision is void. QuoteChecker may assign this Agreement freely, including in connection with a sale, merger, or reorganization. Notices to QuoteChecker must be sent to contact@quotechecker.ai. Notices to you may be sent to your email on file or surfaced on the stats dashboard.

20. Contact

Questions about this Agreement or the Creator Program: contact@quotechecker.ai.