AFFILIATE PROGRAM TERMS & CONDITIONS

Find It All (FIA)
A Brand Owned & Operated by Innovara Marketing Inc.

Document Reference: FIA-POL-014
Classification: PUBLIC — AFFILIATE PROGRAM TERMS
Version: 1.1
Effective Date: 1 October 2026
Last Updated: 1 October 2026
Legal Operator: Innovara Marketing Inc.
Brand: Find It All (FIA)
Document Owner: FIA Affiliate, Marketplace & Trust Operations

1. ABOUT THE FIA AFFILIATE PROGRAM

The Find It All (“FIA”) Affiliate Program allows approved Affiliates to promote eligible products and services available through FIA and earn commission when qualifying customers complete eligible purchases through approved Affiliate attribution methods.

Find It All is owned, operated and managed by Innovara Marketing Inc.

Eligible Affiliate offers may be provided by:

• Innovara Marketing Inc. as an identified FIA Marketplace Vendor; or

• approved independent third-party Marketplace Vendors.

Not every FIA business, Marketplace listing, product or service automatically participates in the Affiliate Program.

Only offers that FIA identifies as Affiliate Eligible may generate Affiliate commission.

2. PURPOSE OF THESE TERMS

These Terms establish rules concerning:

• Affiliate applications;

• approval;

• Affiliate Eligible offers;

• Tier Eligible offers;

• referral attribution;

• commission calculations;

• the 4% Base Commission;

• 5%, 10% and 15% performance tiers;

• early commission withdrawal;

• tier finalization;

• refunds;

• chargebacks;

• commission reversals;

• clawbacks;

• negative Affiliate balances;

• payouts;

• promotional conduct;

• disclosures;

• fraud prevention;

• suspension;

• termination; and

• other FIA Affiliate Program requirements.

Participation in the Affiliate Program is subject to these Terms and all applicable FIA policies.

3. AFFILIATE PROGRAM PRINCIPLES

The FIA Affiliate Program is designed around:

Genuine Referrals

Affiliate commission rewards genuine customer acquisition.

Transparent Promotion

Customers should be able to understand when a promoter may receive commission.

Fair Attribution

Commission is based on FIA’s approved attribution records and applicable offer rules.

Offer-Specific Economics

Different Vendors and different offerings may have different commercial margins.

Affiliate eligibility and tier participation therefore apply at the offer level.

Performance-Based Opportunity

Certain offers allow an Affiliate to retain their Base Commission within the FIA Affiliate system and qualify for a higher final commission rate based on sales of that specific offer.

4. ELIGIBILITY

Affiliate applicants must:

• be legally capable of entering into these Terms;

• provide accurate application information;

• use lawful promotional methods;

• comply with FIA’s disclosure requirements;

• follow applicable advertising rules;

• comply with FIA Brand requirements;

• comply with applicable privacy and electronic-marketing requirements; and

• satisfy any additional reasonable Program requirements.

Submitting an Affiliate application does not guarantee approval.

5. APPLICATION & ACCEPTANCE

Applicants may be required to accept FIA’s Affiliate Application & Participation Declaration.

FIA may request information reasonably necessary to:

• identify the Affiliate;

• communicate with the Affiliate;

• administer tracking;

• administer commission;

• process payouts;

• prevent fraud;

• satisfy tax or reporting requirements;

• investigate Program abuse; or

• administer the Affiliate relationship.

FIA may retain electronic records showing:

• the version of these Terms accepted;

• date and time of acceptance;

• Affiliate account;

• applicable declaration;

• material Program changes; and

• other relevant acceptance records.

6. APPROVAL

Affiliate participation begins only after FIA approves the applicant.

FIA may:

• approve an applicant generally;

• restrict access to particular offers;

• restrict promotional methods;

• impose reasonable Program conditions;

• request additional verification; or

• decline an application.

Approval does not guarantee that every FIA offer will become available to that Affiliate.

7. INDEPENDENT RELATIONSHIP

An FIA Affiliate is an independent Program participant.

Affiliate participation does not by itself create:

• employment;

• partnership;

• franchise;

• joint venture;

• fiduciary relationship;

• ownership interest; or

• general agency

between the Affiliate and Innovara Marketing Inc.

An Affiliate may not legally bind:

• FIA;

• Innovara Marketing Inc.;

• an independent Marketplace Vendor; or

• another FIA participant

unless FIA expressly grants that authority in writing.

8. AFFILIATE IS NOT THE MARKETPLACE VENDOR

An Affiliate does not become the Seller, Vendor or service provider merely because the Affiliate referred the customer.

The applicable FIA Marketplace offering should identify the business responsible for supplying the product or service.

An Affiliate must not represent that they can:

• provide a service they do not provide;

• change Vendor terms;

• change Marketplace pricing;

• approve refunds;

• decide Buyer Protection disputes;

• change Seller warranties;

• bind a Vendor; or

• bind FIA

unless expressly authorized.

See the Marketplace Affiliate Sales Disclosure.

9. INNOVARA AS A MARKETPLACE VENDOR

Innovara Marketing Inc. owns and operates FIA.

Innovara may also make products or services available through the FIA Marketplace as an identified first-party Marketplace Vendor.

Where Innovara is identified as the Vendor/provider:

• Innovara is responsible for the applicable offering;

• Affiliate attribution may apply if the offer is Affiliate Eligible; and

• the offer may participate in FIA’s Tier Eligible commission structure where designated.

Innovara does not become an independent third-party Seller merely because its services are listed through FIA.

10. INDEPENDENT VENDOR AFFILIATE OFFERS

Approved independent Marketplace Vendors may also make selected offers available through the FIA Affiliate Program.

An independent Vendor may choose to participate in FIA’s Affiliate Campaign for:

• one offer;

• multiple selected offers; or

• another approved offer grouping

according to the applicable Vendor arrangement.

Affiliate participation is therefore not limited to Innovara services.

11. OFFER-LEVEL PARTICIPATION

Affiliate participation applies at the specific offer level.

A Vendor participating in the Affiliate Program does not automatically make every product or service Affiliate Eligible.

The FIA Affiliate Dashboard or other FIA-authorized offer information should identify whether a particular offer is:

• not Affiliate Eligible;

• Affiliate Eligible; or

• Tier Eligible.

12. STANDARD MARKETPLACE FEE & AFFILIATE CAMPAIGN FEE

FIA’s standard Marketplace Seller fee is generally:

15%

of the applicable qualifying transaction subtotal after approved discounts and before applicable sales taxes, subject to the Seller’s applicable agreement.

Where a Vendor has opted a particular offer into FIA’s Affiliate Campaign and a valid Affiliate-attributed sale occurs, FIA may charge that Vendor an additional:

15% Affiliate Campaign Fee

on the applicable qualifying sale.

Accordingly, a qualifying Affiliate-attributed sale for an opted-in offer may carry:

15% Marketplace Fee + 15% Affiliate Campaign Fee

for a total Vendor fee of:

30%

on that qualifying Affiliate-generated transaction.

The additional Affiliate Campaign Fee:

• applies only to qualifying Affiliate-attributed transactions for participating offers;

• does not automatically apply to ordinary Marketplace sales;

• is not an undisclosed Buyer surcharge; and

• does not mean the entire 15% Campaign Fee is automatically payable to the Affiliate.

Vendor commercial terms are governed by the applicable Seller agreement and Affiliate Campaign arrangement.

13. CUSTOMER PRICE

Affiliate compensation must not be added to the customer’s transaction as an undisclosed mandatory Affiliate surcharge.

The customer should see the applicable Marketplace price, discounts, taxes and other permitted charges before completing the purchase.

Affiliate commission is part of the commercial arrangement between FIA, the applicable Vendor and the Affiliate.

See the Payment, Billing, Refund & Payout Policy.

14. BASE COMMISSION

A valid qualifying Affiliate-attributed sale earns the Affiliate a:

4% BASE COMMISSION

unless FIA expressly identifies a different approved offer-specific base rate.

The Base Commission is calculated on the applicable qualifying commissionable amount.

The 4% Base Commission remains subject to:

• refunds;

• cancellations;

• chargebacks;

• payment reversals;

• fraud;

• attribution invalidation; and

• other legitimate transaction adjustments.

15. “BASE COMMISSION” — NOT AN IRREVOCABLE GUARANTEE

FIA may describe the 4% as the Base Commission.

The Base Commission is earned only on transactions that become and remain Qualifying Sales.

Receiving or withdrawing the Base Commission does not prevent FIA from later reversing or recovering it where the underlying sale is legitimately:

• refunded;

• reversed;

• charged back;

• fraudulent; or

• otherwise determined to be ineligible.

16. TIER ELIGIBLE OFFERS

Certain Affiliate Eligible offers may also be designated:

TIER ELIGIBLE

Tier Eligible offers may be supplied by:

• Innovara Marketing Inc.; or

• approved independent Marketplace Vendors.

A Tier Eligible designation applies only to the offer or approved offer group identified by FIA.

17. DEFAULT FIA AFFILIATE TIERS

Unless FIA expressly identifies another approved offer-specific structure, FIA’s standard Tier Eligible commission structure is:

The standard FIA Affiliate tier is capped at:

15%

unless FIA expressly establishes another special Program in writing.

18. TIERS ARE OFFER-SPECIFIC

Affiliate tiers are calculated separately for each specific Tier Eligible offer.

Sales from unrelated offers cannot be combined.

This applies even where:

• the offers come from the same Vendor;

• the offers are sold during the same month;

• the same Affiliate generated all sales; or

• both offers are Tier Eligible.

Unless FIA expressly creates an approved grouped campaign:

each offer has its own tier calculation.

19. EXAMPLE — DIFFERENT OFFERS CANNOT BE COMBINED

Assume an Affiliate generates:

CAD $3,000 in Tier-Finalized sales for a landscaping package.

The Affiliate also generates:

CAD $6,000 in Tier-Finalized sales for an Innovara marketing package.

The Affiliate has generated CAD $9,000 in overall business.

However, these amounts are not combined for tier purposes.

Under the standard structure:

Landscaping Offer

CAD $3,000
→ 5% final commission rate

Innovara Marketing Offer

CAD $6,000
→ 10% final commission rate

The Affiliate does not receive the 10% tier on both offers simply because the combined sales equal CAD $9,000.

20. SAME VENDOR — DIFFERENT OFFERS

Different offers from the same Vendor are also treated separately unless FIA expressly groups them.

For example:

• Landscaping Package A;

• Lawn Maintenance Package B; and

• Seasonal Cleanup Package C

may each have their own tier progress.

The Affiliate Dashboard should identify any FIA-approved grouped campaign where multiple offers are permitted to share one tier calculation.

21. THE 4% BASE IS INCLUDED IN THE FINAL TIER

The 4% Base Commission forms part of the final:

• 5%;

• 10%; or

• 15%

commission rate.

It is not added on top.

For example:

Final tier:

15%

Base Commission:

4%

Remaining tier top-up:

11%

Total:

15%

not 19%.

22. EARLY WITHDRAWAL OPTION

Where FIA enables early withdrawal, an Affiliate may choose to withdraw the available 4% Base Commission before the transaction’s tier qualification is finalized.

If the Affiliate withdraws that Base Commission:

the transaction is locked at 4%.

That transaction:

• no longer participates in the tier calculation;

• no longer contributes to the offer’s tier sales volume; and

• cannot later receive a 5%, 10% or 15% tier top-up for that qualification cycle.

23. KEEPING THE BASE COMMISSION IN THE TIER

If the Affiliate does not withdraw the Base Commission and leaves the transaction in the FIA Affiliate system through the applicable qualification process:

the transaction may remain eligible for the offer’s final:

5%, 10% or 15%

commission rate.

The transaction must still satisfy all applicable Tier Finalization requirements.

24. NO PARTIAL TRANSACTION WITHDRAWAL

Unless FIA expressly introduces another approved feature, early commission withdrawal is handled at the transaction level.

For example:

If the available Base Commission for an eligible transaction is CAD $120, the Affiliate should not withdraw CAD $40 while attempting to leave CAD $80 in that same transaction’s tier.

The Affiliate chooses:

withdraw the available Base Commission for that transaction

or

leave that transaction eligible for the tier.

25. TIER FINALIZATION

A Tier Eligible transaction does not count toward the final monthly tier merely because an order was placed or payment was collected.

A transaction generally becomes Tier Finalized after:

1. the qualifying customer payment has been received;

2. the product or service has reached the applicable completion, delivery or approved fulfilment milestone;

3. the applicable ordinary Buyer issue-reporting period has passed;

4. no unresolved material refund or dispute remains;

5. the Affiliate has not withdrawn that transaction’s Base Commission early; and

6. the transaction otherwise remains eligible.

26. TIER MONTH

A transaction generally counts toward the calendar month in which it becomes Tier Finalized.

This prevents unfinished, undelivered or actively disputed work from increasing an Affiliate tier prematurely.

27. EXAMPLE — LATE-MONTH SALE

Assume an Affiliate generates a service sale on:

29 October

The Vendor completes the service on:

7 November

The applicable Buyer issue period then runs after confirmed completion.

If the transaction becomes Tier Finalized in November:

it contributes to the November tier for that specific offer.

This avoids forcing a legitimate service sold near month-end to be completed before the final calendar day merely to qualify.

28. ORDINARY BUYER ISSUE WINDOWS

For tier finalization and ordinary FIA Marketplace problem reporting, FIA’s standard framework generally uses:

Completed Services & Digital Deliverables

7 calendar days from confirmed completion or delivery.

Physical Goods

14 calendar days from confirmed delivery.

Wrong, damaged or missing physical items should be reported promptly and, where reasonably discoverable, ordinarily within 7 calendar days.

These are ordinary FIA Marketplace reporting periods.

They do not remove rights that cannot lawfully be waived.

29. EXCEPTIONS TO ORDINARY ISSUE WINDOWS

The ordinary FIA issue-reporting windows do not automatically extinguish matters involving:

• fraud;

• unauthorized payment;

• non-delivery;

• latent defects that could not reasonably have been discovered earlier;

• applicable product warranties;

• applicable statutory cancellation rights;

• mandatory consumer protections; or

• other rights that cannot lawfully be restricted.

See the Marketplace Buyer Protection & Resolution Policy and Marketplace Order, Fulfilment, Cancellation & Refund Standard.

30. MONTH-END TIER CALCULATION

After the applicable calendar month closes, FIA calculates the final tier independently for each Tier Eligible offer.

Only that offer’s eligible Tier-Finalized transactions are included.

FIA may reconcile:

• qualifying sales;

• fulfilment;

• refunds;

• chargebacks;

• early withdrawals;

• invalid transactions;

• fraud reviews; and

• other legitimate adjustments

before determining the final tier.

31. TIER CALCULATION EXAMPLE

Assume an Affiliate generates seven Tier-Finalized sales of the same Tier Eligible offer.

Total qualifying sales:

CAD $15,000

The applicable final rate is:

15%

Total commission:

CAD $15,000 × 15% = CAD $2,250

If the Base Commission already credited and kept in-tier totalled:

CAD $600

the remaining aggregate tier top-up is:

CAD $1,650

Total Affiliate commission remains:

CAD $2,250

32. QUALIFYING SALE

A transaction generally qualifies for Affiliate commission only where:

• the offer was Affiliate Eligible when the valid referral occurred;

• the Affiliate attribution is valid;

• the transaction was genuine;

• the customer successfully paid;

• the transaction was not a prohibited self-referral;

• the transaction was not fabricated;

• the transaction was not created primarily to generate commission;

• the payment was not fraudulent; and

• applicable offer conditions were satisfied.

A:

• click;

• lead;

• enquiry;

• quotation;

• form submission;

• abandoned cart; or

• unpaid invoice

does not itself create commission.

33. COMMISSIONABLE AMOUNT

Unless an offer expressly states otherwise, Affiliate commission is generally calculated on the qualifying product or service amount after approved discounts and credits and before applicable sales taxes.

Amounts that may be excluded include, where applicable:

• sales taxes;

• refunded amounts;

• chargebacks;

• reversed amounts;

• separately stated shipping or delivery;

• government or regulatory charges;

• genuine third-party pass-through amounts; and

• other specifically identified non-commissionable amounts.

34. FIRST QUALIFYING SALE

FIA’s standard Affiliate structure applies to the first qualifying sale for the applicable customer/offering relationship.

An Affiliate does not permanently own a customer.

Repeat purchases do not automatically generate additional commission.

35. REPEAT PURCHASES

Unless the active offer expressly provides otherwise, the following do not automatically create another Affiliate commission:

• repeat purchases;

• renewals;

• recurring subscription charges;

• extensions;

• later billing cycles;

• upgrades;

• another purchase of the same offer; or

• future unrelated customer activity.

36. ATTRIBUTION WINDOW

FIA’s standard attribution model uses a:

24-HOUR PROTECTED REFERRAL WINDOW

beginning from a valid tracked Affiliate click.

Where the customer completes a qualifying purchase during that active window, the sale may be attributed to the applicable Affiliate subject to these Terms.

37. FIRST-VALID-CLICK RULE

During the protected referral window, FIA generally applies a:

FIRST-VALID-CLICK RULE

The first valid Affiliate referral establishing the active protected window retains attribution during that window.

A later Affiliate click during that same active window does not automatically replace the first Affiliate.

After the protected period expires, a later valid Affiliate referral may establish a new window.

38. NO RETROACTIVE ATTRIBUTION

An Affiliate cannot ordinarily claim a completed purchase after the transaction merely because:

• the Affiliate previously spoke with the customer;

• the customer previously viewed Affiliate content;

• the Affiliate later supplies a code;

• the customer forgot to use the Affiliate link; or

• the Affiliate asks FIA to manually assign the transaction.

FIA may review genuine technical errors where appropriate, but recorded attribution evidence controls.

39. PRIVACY CHOICES TAKE PRIORITY

Affiliate attribution does not override customer privacy rights or applicable cookie choices.

Where attribution depends on optional technology subject to consent or user choice, the customer’s applicable privacy choice takes priority.

If the information needed to establish attribution is unavailable because tracking was lawfully:

• declined;

• blocked;

• deleted; or

• otherwise unavailable,

FIA may be unable to attribute the transaction.

See the Cookie & Tracking Policy.

40. REFUNDS BEFORE PAYOUT

If a qualifying transaction is fully refunded before applicable commission is paid:

the related unpaid Affiliate commission may be:

CANCELLED.

The refunded transaction is also removed from applicable tier calculations.

41. PARTIAL REFUNDS

Where a transaction is partially refunded:

• the qualifying commissionable amount may be reduced;

• Affiliate commission may be recalculated proportionately; and

• tier sales volume may be reduced to the amount FIA ultimately treats as qualifying retained revenue.

42. CHARGEBACKS & PAYMENT DISPUTES

If the underlying customer payment is subject to a chargeback or payment dispute, FIA may place the related Affiliate commission on hold.

If FIA ultimately retains the qualifying payment, the transaction may proceed through the normal eligibility process.

If the payment is lost, reversed or determined invalid:

the corresponding Affiliate commission may be:

• cancelled;

• reversed; or

• clawed back.

43. COMMISSION CLAWBACK AFTER PAYOUT

Affiliate commission does not become permanently irreversible merely because it has already been transferred to the Affiliate.

Where commission has been paid and the underlying transaction is later legitimately:

• fully refunded;

• partially refunded;

• charged back;

• reversed;

• determined fraudulent;

• determined artificially generated; or

• otherwise becomes ineligible,

FIA may recover the corresponding overpaid Affiliate commission.

44. NEGATIVE AFFILIATE BALANCE

Where an Affiliate has already received commission that later becomes repayable under these Terms, FIA may record a:

NEGATIVE AFFILIATE BALANCE.

For example:

Affiliate commission paid:

CAD $120

Underlying transaction later fully refunded:

CAD $120 Affiliate adjustment

Affiliate account balance:

−CAD $120

Future eligible Affiliate earnings may first be applied against that negative balance.

45. FUTURE-EARNINGS OFFSET

FIA may recover a valid negative Affiliate balance by offsetting it against:

• future commission;

• future tier top-ups;

• future Affiliate payouts; or

• other amounts FIA legitimately owes the Affiliate under the Program.

46. REPAYMENT OF REMAINING NEGATIVE BALANCE

Where an Affiliate has an outstanding negative balance and insufficient future earnings to offset it, FIA may request repayment of the remaining recoverable overpayment.

FIA should provide reasonable information identifying the underlying adjustment.

Nothing in this section permits FIA to recover amounts it is not legally or contractually entitled to recover.

47. FRAUDULENT TRANSACTIONS

No Affiliate commission is payable where FIA reasonably determines that a transaction was materially created or manipulated primarily to generate improper commission.

Examples may include:

• fake customers;

• sham orders;

• fabricated identities;

• stolen payment information;

• coordinated refund cycles;

• fake fulfilment;

• controlled purchases disguised as independent customers; or

• collusive transactions.

48. SELF-REFERRALS

Affiliates may not use their own Affiliate tracking primarily to obtain commission on prohibited self-purchases.

This may include:

• the Affiliate’s own purchase;

• purchases made through accounts controlled by the Affiliate;

• controlled businesses purchasing primarily to create commission; or

• transactions otherwise structured primarily to create improper Affiliate earnings.

FIA may approve a legitimate exception in writing where appropriate.

49. COOKIE STUFFING & ATTRIBUTION MANIPULATION

Affiliates must not use:

• cookie stuffing;

• forced clicks;

• invisible tracking;

• hidden redirects;

• unauthorized scripts;

• automated clicks;

• false referral data;

• deceptive redirect chains; or

• other methods intended to establish attribution without a genuine referral action.

50. PAYOUT METHOD

Affiliates may select from the payout methods FIA makes available.

The Affiliate is responsible for maintaining accurate payout information.

FIA may reasonably require verification before:

• activating payouts;

• changing payout details;

• replacing a payout account; or

• releasing a payment where account compromise or fraud is reasonably suspected.

51. BASE COMMISSION WITHDRAWAL

Where available, an Affiliate may request payout of their available 4% Base Commission before the tier is finalized.

Doing so invokes the early-withdrawal rule described in these Terms.

The related transaction is then:

locked at 4%

and excluded from the applicable tier pool.

52. FINALIZED TIER PAYOUT

After month-end reconciliation, FIA pays the Affiliate’s full approved finalized balance through the Affiliate’s selected payout method or account.

The finalized balance may include:

• Base Commission left in-tier; and

• applicable tier top-ups.

FIA does not apply a standard CAD $50 carry-forward threshold to the finalized monthly balance.

Actual settlement timing may still be affected by:

• payment-provider processing;

• banking processing;

• incomplete payout information;

• legitimate fraud review;

• unresolved chargebacks;

• legal restrictions; or

• other valid payout holds.

53. PAYOUT IS NOT A BANK ACCOUNT OR ESCROW

Affiliate balances shown through FIA are Program accounting records.

FIA does not represent an Affiliate Dashboard balance as:

• a bank deposit;

• stored-value account;

• trust account;

• investment account; or

• escrow account

unless FIA expressly establishes and describes such a regulated arrangement.

54. AFFILIATE TAX RESPONSIBILITY

Affiliates remain responsible for understanding and satisfying their own applicable tax obligations arising from Affiliate income.

Where Innovara Marketing Inc. is legally required to:

• collect tax information;

• issue records;

• make deductions;

• verify tax information; or

• comply with reporting requirements,

the Affiliate must reasonably cooperate.

FIA does not provide individualized tax advice through these Terms.

55. MATERIAL CONNECTION DISCLOSURE

Affiliates must clearly disclose their commercial relationship with FIA when promoting eligible offers.

Customers should be able to understand that the Affiliate may receive compensation if a purchase occurs.

A suitable disclosure may include:

“Affiliate disclosure: I may earn a commission if you purchase through this FIA link.”

Disclosure requirements are explained further in the Affiliate Promotion & Disclosure Guidelines.

56. ACCURATE PROMOTION

Affiliates may promote only accurate, current and authorized information.

Affiliates must not fabricate or materially misrepresent:

• Vendor identity;

• product or service scope;

• price;

• discounts;

• availability;

• fulfilment;

• guarantees;

• Marketplace status;

• Seller approval;

• refund rights;

• Buyer Protection;

• FIA verification;

• Affiliate earnings; or

• tier eligibility.

57. NO GUARANTEED AFFILIATE EARNINGS

Affiliate approval does not guarantee:

• traffic;

• leads;

• customers;

• transactions;

• commissions;

• tier achievement;

• minimum monthly earnings; or

• any particular income.

The fact that a Tier Eligible offer permits a maximum 15% rate does not mean every Affiliate will reach that rate.

58. COMMISSION CLAIMS

Affiliates must not tell prospective Affiliates or customers that FIA:

• guarantees 15% commission;

• guarantees a particular monthly income;

• guarantees a particular number of sales; or

• guarantees Affiliate success.

An Affiliate may accurately state that selected offers can provide up to 15% under FIA’s applicable tier requirements.

59. PRICING & DISCOUNTS

Affiliates may advertise only FIA-authorized:

• prices;

• discounts;

• coupon codes;

• packages;

• promotional periods; and

• campaign claims.

An Affiliate must not independently create an unauthorized:

• discount;

• rebate;

• refund promise;

• coupon;

• bundle;

• financing arrangement;

• deadline; or

• scarcity claim

and represent it as an FIA or Vendor offer.

60. BRAND USE

Approved Affiliates may use FIA-authorized brand assets according to applicable FIA requirements.

Affiliates must not:

• impersonate FIA;

• impersonate Innovara Marketing Inc.;

• impersonate a Marketplace Vendor;

• create deceptive FIA domains or social accounts;

• falsely claim to be an FIA employee;

• falsely claim to be FIA management; or

• otherwise create a misleading impression of corporate authority.

61. ELECTRONIC MARKETING

Affiliate approval does not automatically authorize the Affiliate to contact FIA customers, businesses, Marketplace Buyers or Vendors.

Affiliates using email, SMS or other commercial electronic messaging remain responsible for applicable requirements concerning matters such as:

• permission or other lawful basis for sending;

• sender identification;

• contact information; and

• unsubscribe functionality.

62. CUSTOMER & FIA INFORMATION

Affiliate participation does not provide unrestricted access to FIA customer information.

Affiliates must not use FIA-obtained information for unrelated:

• spam;

• resale;

• unauthorized marketing;

• profiling;

• harassment; or

• other improper purposes.

Information concerning FIA’s handling of personal information appears in the Privacy Policy.

63. TESTIMONIALS & REVIEWS

Affiliates must not fabricate:

• testimonials;

• reviews;

• customer experiences;

• income screenshots;

• sales results;

• commission reports;

• Vendor reviews; or

• business outcomes.

Where an Affiliate genuinely reviews an offer, the Affiliate should accurately describe their experience and disclose the material Affiliate relationship.

64. AI-ASSISTED CONTENT

Affiliates may use artificial intelligence as a drafting or creative tool.

The Affiliate remains responsible for final promotional content.

AI must not be used to fabricate or materially misrepresent:

• FIA features;

• Vendor offers;

• prices;

• commission rates;

• customer experiences;

• testimonials;

• qualifications;

• guarantees; or

• earnings.

See the Responsible AI & AI Usage Disclosure.

65. PROGRAM MONITORING

FIA may reasonably monitor Affiliate Program activity to protect:

• customers;

• Vendors;

• Affiliates;

• FIA;

• payment systems; and

• Program integrity.

This may include reviewing:

• referral activity;

• attribution;

• promotional claims;

• disclosures;

• suspicious purchases;

• refund patterns;

• chargebacks;

• early withdrawals;

• unusual commission behaviour;

• brand usage; and

• suspected fraud.

Strong Affiliate performance alone is not evidence of fraud.

66. COMMISSION HOLDS

FIA may temporarily hold affected Affiliate amounts where reasonably necessary to investigate matters such as:

• suspected fraud;

• disputed attribution;

• chargebacks;

• payment reversals;

• manipulated referrals;

• account compromise;

• unresolved material customer disputes;

• prohibited marketing; or

• other legitimate Program concerns.

Unrelated valid earnings should not be unnecessarily restricted where a concern can reasonably be isolated to a particular transaction.

67. CORRECTIVE ACTION

Where appropriate, FIA may ask an Affiliate to:

• correct a disclosure;

• remove an inaccurate claim;

• update pricing;

• stop using expired marketing material;

• remove misleading Vendor information;

• discontinue an unauthorized promotional method; or

• correct misuse of FIA branding.

Prompt good-faith correction may be considered when determining further action.

68. SUSPENSION

FIA may suspend Affiliate participation where reasonably necessary to investigate or respond to:

• fraud;

• repeated disclosure failures;

• unlawful marketing;

• attribution manipulation;

• fake transactions;

• Brand impersonation;

• payment abuse;

• material policy breaches; or

• significant Platform-integrity risks.

Suspension may include temporary restriction of:

• new referral attribution;

• Dashboard access;

• withdrawals;

• payouts; or

• other Affiliate functionality.

69. TERMINATION

Either FIA or the Affiliate may end Affiliate participation.

FIA may terminate participation for reasons including:

• material violation of these Terms;

• repeated prohibited conduct;

• fraud;

• fabricated transactions;

• serious brand misuse;

• unlawful activity;

• material privacy violations;

• failure to provide required information; or

• other legitimate Program reasons.

Termination does not automatically erase valid obligations that arose before termination.

70. COMMISSION AFTER TERMINATION

Valid commission properly earned before termination may remain payable subject to:

• refunds;

• chargebacks;

• clawbacks;

• fraud review;

• negative balances;

• valid payout information;

• these Terms; and

• applicable law.

A transaction does not become payable merely because the Affiliate relationship has ended.

71. AFFILIATE VS FIA FREELANCER / SALES CONTRACTOR

The FIA Affiliate Program and FIA sales/freelancer programs are separate.

Affiliate

An Affiliate generally:

• independently promotes approved offers;

• uses Affiliate attribution;

• does not receive assigned sales responsibilities merely by being an Affiliate; and

• may earn up to the applicable Affiliate tier.

Freelancer / Independent Sales Contractor

A separately contracted FIA sales participant may have responsibilities concerning:

• prospecting;

• business acquisition;

• qualifying opportunities;

• closing;

• account development;

• Vendor acquisition; or

• other active sales responsibilities.

Sales compensation is governed by a separate agreement and compensation schedule.

72. NO AUTOMATIC DOUBLE COMPENSATION

A person does not automatically receive both:

• Affiliate commission; and

• FIA sales/freelancer commission

for the same activity or transaction.

Where separate roles genuinely contributed to a transaction, compensation follows FIA’s approved attribution and compensation rules.

Any dual compensation must be expressly permitted by FIA’s applicable compensation structure.

73. PRE-EXISTING FIA SALES OPPORTUNITIES

An Affiliate may not normally create Affiliate commission by inserting a referral link or code after FIA already has an active documented sales opportunity with the customer.

FIA may use:

• tracking records;

• CRM timestamps;

• communications;

• opportunity records;

• Affiliate referral records; and

• transaction records

to resolve source disputes.

74. RECORDS

FIA may maintain records reasonably necessary to administer the Affiliate Program, including:

• application records;

• acceptance/version records;

• Affiliate identifiers;

• clicks;

• attribution events;

• orders;

• eligible offers;

• Vendor;

• Base Commission;

• withdrawals;

• Tier Eligible status;

• Tier-Finalized sales;

• refunds;

• chargebacks;

• clawbacks;

• negative balances;

• payout information;

• fraud/compliance records; and

• tax/accounting information.

Records are handled according to applicable FIA privacy and retention requirements.

75. AFFILIATE RECORDKEEPING

Affiliates should maintain reasonable evidence needed to support their own compliance, including where applicable:

• marketing consent;

• promotional disclosures;

• advertisements;

• approved pricing;

• communications; and

• FIA-authorized campaign materials.

76. COMMISSION & ATTRIBUTION DISPUTES

An Affiliate may request review where they reasonably believe:

• a qualifying transaction was not attributed correctly;

• commission was calculated incorrectly;

• a clawback is incorrect;

• a negative balance is incorrect;

• a tier was calculated incorrectly; or

• another Affiliate Program decision warrants reconsideration.

FIA may request relevant supporting information.

Affiliate disputes are also governed by the Dispute Resolution & Complaints Policy.

77. TECHNOLOGY LIMITATIONS

FIA does not guarantee that:

• every browser will preserve referral information;

• every privacy configuration will permit attribution;

• every third-party platform will retain referral parameters;

• Affiliate technology will operate without interruption; or

• every genuine introduction can always be technically identified.

FIA should use reasonable available records when reviewing genuine attribution disputes.

78. PROGRAM CHANGES

FIA may prospectively change:

• eligible offers;

• Tier Eligible offers;

• tier thresholds;

• commission rates;

• tracking methods;

• campaign availability;

• withdrawal functionality;

• payout methods;

• Program technology; or

• other Affiliate Program features.

Material changes should be communicated appropriately where reasonably practicable.

FIA should not ordinarily use a later Program change to retroactively reduce a commission that had already satisfied the applicable finalized rules, except where:

• a refund occurs;

• a chargeback occurs;

• fraud is discovered;

• an error requires correction;

• the transaction becomes legally invalid; or

• another adjustment is authorized by these Terms or applicable law.

79. SPECIAL CAMPAIGNS

FIA may create special Affiliate campaigns with different:

• commission rates;

• tier thresholds;

• qualifying periods;

• completion milestones;

• products;

• Vendors;

• geographic restrictions; or

• other conditions.

Any approved special campaign must clearly identify its applicable rules.

The campaign-specific terms supplement these Terms for that offer.

80. GOVERNING LAW

Unless mandatory law requires otherwise, these Terms are governed by the laws of Ontario and the federal laws of Canada applicable in Ontario.

Nothing in these Terms removes statutory or legal protections that cannot lawfully be waived.

81. PROGRAM DOCUMENTS WORK TOGETHER

These Terms operate together with applicable:

• Affiliate declarations;

• Affiliate Dashboard offer terms;

• Marketplace policies;

• tracking disclosures;

• promotional guidelines;

• payment policies;

• Vendor offer information; and

• other FIA Program documents.

Where an authorized offer contains specific additional conditions, those conditions supplement these Terms for that offer.

82. RELATED FIA DOCUMENTS

Affiliate Program

Affiliate Application & Participation Declaration

Affiliate Promotion & Disclosure Guidelines

Affiliate Tracking & Attribution Disclosure

Marketplace Affiliate Sales Disclosure

Marketplace

Seller Onboarding Centre

Marketplace Seller Standards

Marketplace Purchase Terms

Marketplace Buyer Protection & Resolution Policy

Marketplace Order, Fulfilment, Cancellation & Refund Standard

Payment, Billing, Refund & Payout Policy

Platform, Privacy & Trust

Terms of Service

Understanding Our Role

Community Guidelines

Acceptable Use Policy

Privacy Policy

Cookie & Tracking Policy

Responsible AI & AI Usage Disclosure

Dispute Resolution & Complaints Policy

Trust Centre

83. CONTACT FIND IT ALL

For Affiliate Program questions:

Email:
info@finditall.ca

For policy, privacy or legal questions:

Email:
privacyandterms@finditall.ca

Policy, Privacy & Legal Enquiry

For suspected Affiliate fraud, impersonation, security issues or serious Platform abuse:

Report a Concern or Abuse

Legal Operator:
Innovara Marketing Inc.
Toronto, Ontario, Canada

Brand: Find It All (FIA)

Discover. Connect. Grow.

© 2026 Innovara Marketing Inc. Find It All (FIA). All rights reserved.