Affiliate Promotion & Disclosure Guidelines

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

Document Reference: FIA-POL-015
Classification: PUBLIC — AFFILIATE PROMOTION & DISCLOSURE GUIDELINES
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, Marketing & Trust Operations

1. Purpose

These Affiliate Promotion & Disclosure Guidelines establish the standards that approved Find It All Affiliates must follow when promoting FIA, Marketplace Vendors, Affiliate Eligible offers or other approved FIA campaigns.

The purpose of these Guidelines is to support:

• transparent Affiliate marketing;

• truthful advertising;

• clear disclosure of commercial relationships;

• responsible use of FIA and Vendor branding;

• accurate descriptions of Affiliate commissions;

• lawful electronic marketing;

• respectful promotional practices;

• protection of Buyers and Vendors;

• protection of FIA’s brand and Marketplace integrity; and

• consistent treatment of Affiliate-attributed sales.

These Guidelines should be read together with the Affiliate Program Terms & Conditions.

2. Legal Operator

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

FIA Affiliates may promote approved offers supplied by:

1. Innovara Marketing Inc., acting as an identified first-party Innovara Marketplace Vendor; or

2. approved independent Marketplace Sellers or Vendors.

Both types of Vendor may provide Affiliate Eligible or Tier Eligible offers where approved.

3. Who These Guidelines Apply To

These Guidelines apply to approved FIA Affiliates when promoting FIA-related offers through channels such as:

• social media;

• websites;

• blogs;

• video platforms;

• email;

• permitted text messaging;

• digital advertising;

• referral pages;

• community content;

• approved offline promotions;

• direct recommendations; and

• other approved promotional channels.

4. Affiliate Status

An FIA Affiliate is generally a self-directed promoter or referrer.

Affiliate approval does not, by itself, make the Affiliate:

• an employee of Innovara Marketing Inc.;

• an FIA employee;

• an FIA Seller;

• an agent authorized to bind FIA;

• an agent authorized to bind a Marketplace Vendor;

• an FIA Freelancer; or

• an FIA Independent Sales Contractor.

PART I — MATERIAL CONNECTION DISCLOSURE

5. Affiliates Must Disclose Their Commercial Relationship

Where an Affiliate may earn commission or receive another material benefit from promoting an offer, the Affiliate must clearly disclose the commercial relationship where required.

The Affiliate should not create the impression that a compensated promotion is a wholly independent recommendation.

6. What May Be a Material Connection

A material connection may include matters such as:

• Affiliate commission;

• direct payment;

• free products;

• free services;

• discounts;

• gifts;

• incentives;

• sponsored access; or

• another benefit connected with the promotion.

7. Disclosure Must Be Clear

Affiliate disclosure should use language that a reasonable person can understand.

Examples of clear wording may include:

• “Affiliate link — I may earn a commission if you purchase.”

• “I may earn a commission from qualifying purchases.”

• “Paid Affiliate promotion.”

• “Affiliate partnership with Find It All.”

The exact wording may vary depending on the platform and context.

8. Disclosure Must Be Prominent

Where disclosure is required, it should be reasonably prominent.

Affiliates should not deliberately hide the disclosure:

• at the bottom of a long post;

• among numerous hashtags;

• behind a “more” expansion where avoidable;

• solely in a profile biography;

• in tiny or difficult-to-read text; or

• in another location a reasonable user is unlikely to notice.

9. Disclosure Should Accompany the Promotion

A material connection should generally be disclosed in connection with the promotional content to which it relates.

A general disclosure located elsewhere may not adequately inform a person seeing a particular Affiliate promotion.

10. Disclosure on Multiple Platforms

Where the same Affiliate content appears on multiple platforms, appropriate disclosure should accompany the content on each relevant platform where required.

11. Affiliate Link Alone Is Not Enough

An Affiliate should not assume that any of the following, by themselves, clearly communicate a commercial relationship:

• an Affiliate link;

• a discount code;

• tagging FIA;

• tagging the Vendor;

• using a campaign hashtag;

• calling oneself an “ambassador”; or

• linking to an Affiliate page.

The commercial relationship should be understandable to the audience.

PART II — VIDEO, AUDIO AND SHORT-FORM CONTENT

12. Video Promotions

Where an Affiliate relationship is material to a video promotion, the disclosure should be presented in a manner appropriate to how the audience receives the content.

Depending on the format, this may require a clear:

• visual disclosure;

• spoken disclosure; or

• both.

13. Short-Form Video

For short-form video, a disclosure should not be deliberately hidden only in:

• an expanded description;

• comments;

• unrelated hashtags; or

• another area a typical viewer may not see.

14. Livestreams

Where Affiliate promotion occurs during a livestream, appropriate disclosure should be made in a way that viewers joining at different times can reasonably understand the commercial relationship.

15. Stories and Temporary Content

Affiliate disclosures should remain attached to temporary promotional content such as stories or similar formats where appropriate.

PART III — REVIEWS, TESTIMONIALS AND PERSONAL EXPERIENCE

16. Reviews Must Be Honest

Affiliates must not fabricate reviews or testimonials.

17. Personal Experience Claims

If an Affiliate states or implies that they personally used a product or service, that representation must be truthful.

An Affiliate should not claim personal experience where none exists.

18. Results Must Not Be Fabricated

Affiliates must not create or use false:

• before-and-after results;

• screenshots;

• customer results;

• testimonials;

• success stories;

• earnings examples;

• product-performance demonstrations; or

• service outcomes.

19. Individual Experience Is Not a Universal Guarantee

An Affiliate who experienced a particular result should not automatically represent that the same result is guaranteed for every customer.

PART IV — ACCURATE PRODUCT AND SERVICE CLAIMS

20. Use Accurate Information

Affiliates must make reasonable efforts to ensure factual claims about an offer are accurate.

21. Vendor Information

Where an Affiliate uses information supplied by FIA or a Vendor, the Affiliate should not materially alter that information in a manner that creates a false or misleading impression.

22. No Invented Features

Affiliates must not invent:

• product capabilities;

• service features;

• certifications;

• licences;

• warranties;

• guarantees;

• fulfilment times;

• inventory availability; or

• other material characteristics.

23. No Unauthorized Guarantees

Affiliates must not promise:

• guaranteed results;

• guaranteed approval;

• guaranteed Marketplace ranking;

• guaranteed delivery;

• guaranteed refunds;

• guaranteed Vendor performance;

• guaranteed income; or

• another guarantee not expressly authorized.

PART V — PRICING AND DISCOUNTS

24. Accurate Price Promotion

Affiliates should promote the current approved offer price or approved pricing information.

25. No Fake Discounts

Affiliates must not:

• invent discount percentages;

• create fake “regular prices”;

• exaggerate savings;

• claim a promotion is ending when it is not; or

• create an unauthorized discount.

26. Discount Codes

Affiliate discount or promotional codes may be used only where approved.

Affiliates must not create unauthorized codes or represent an expired code as active.

27. No Hidden Mandatory Charges

Affiliate promotions must not create a misleading impression about the attainable price.

Known mandatory charges must not be deliberately concealed.

Applicable taxes or legitimately variable charges may be described according to the approved offer.

PART VI — AFFILIATE COMMISSION CLAIMS

28. Current Base Commission

The standard FIA Affiliate model provides:

4% Base Commission on Qualifying Sales

subject to the applicable Affiliate Program terms.

29. Base Commission Is Not Unconditional

Affiliates must not advertise the 4% Base Commission as:

• guaranteed forever;

• irreversible once recorded;

• unaffected by refunds;

• unaffected by chargebacks; or

• payable regardless of transaction eligibility.

Commission remains subject to legitimate transaction adjustments.

30. Tier Eligible Offers

Selected Affiliate Eligible offers may be designated:

Tier Eligible

Tier Eligible offers may be supplied by:

• Innovara Marketing Inc.; or

• approved independent Marketplace Vendors.

31. Current Standard Tier Structure

For each specific Tier Eligible offer, the standard final rates are:

32. Base Commission Is Included in the Tier

Affiliates must accurately explain that:

• 5% final = 4% base + 1% top-up;

• 10% final = 4% base + 6% top-up;

• 15% final = 4% base + 11% top-up.

The standard model is not:

• 4% + 5%;

• 4% + 10%; or

• 4% + 15%.

33. No 20% or 30% Standard Affiliate Claims

Affiliates must not advertise FIA’s current standard Affiliate program as paying:

• a standard 20% tier;

• a standard 30% commission; or

• another unsupported standard Affiliate rate.

The current maximum standard Tier Eligible rate is 15%.

PART VII — OFFER-SPECIFIC TIERS

34. Tier Progress Is Offer-Specific

Affiliate tier progress is ordinarily calculated separately for each specific Tier Eligible offer.

35. Do Not Combine Unrelated Offers

Affiliates must not combine transaction volume from unrelated offers to advertise or claim a higher tier.

36. Same Vendor Does Not Automatically Mean Same Tier Pool

Different offers from the same Vendor are ordinarily separate unless FIA expressly groups them into an approved shared campaign or offer group.

37. Approved Shared Campaigns

Where FIA expressly groups multiple offers, Affiliates may describe the grouping only according to the approved campaign structure.

PART VIII — ATTRIBUTION CLAIMS

38. Standard Attribution Model

The standard FIA Affiliate attribution model uses:

24-hour protected referral window

and:

first-valid-click attribution

unless an approved offer expressly provides otherwise.

39. Do Not Misrepresent Attribution

Affiliates must not tell customers that:

• attribution lasts indefinitely;

• the last Affiliate always receives the commission;

• every prior conversation guarantees attribution;

• every later purchase will automatically remain attributed; or

• commission is guaranteed merely because a link was clicked.

40. Protected First Valid Affiliate

During an active protected window, the first valid Affiliate normally retains attribution.

A later Affiliate click does not automatically replace that Affiliate.

41. Attribution After Expiry

A later valid referral may establish a new protected window after the earlier window expires.

42. No Retroactive Attribution Claims

Affiliates should not promise themselves or others that a transaction will be retroactively attributed merely because they previously spoke with the customer.

Attribution is governed by the Affiliate Tracking & Attribution Disclosure.

PART IX — FIRST-SALE DEFAULT

43. Standard First-Sale Rule

Unless an approved offer expressly provides otherwise, FIA’s standard Affiliate model is:

first-sale-only for the applicable customer/offer relationship.

44. Repeat Purchases

Affiliates must not advertise:

• recurring commission;

• lifetime commission;

• automatic renewal commission;

• automatic repeat-purchase commission; or

• perpetual customer ownership

unless the applicable offer expressly provides it.

PART X — EARLY BASE COMMISSION WITHDRAWAL

45. Early Withdrawal

Where FIA enables the functionality, an Affiliate may be able to withdraw an available 4% Base Commission before tier reconciliation.

46. Effect of Early Withdrawal

Affiliates must understand and accurately communicate, if discussing the feature, that early withdrawal:

• locks the transaction at 4%;

• removes it from tier eligibility;

• removes it from the relevant tier-progress pool; and

• eliminates the later tier top-up for that transaction.

47. No Partial Standard Withdrawal

The standard model uses whole-transaction treatment.

Affiliates must not promote partial early withdrawal for a single transaction unless FIA expressly introduces that feature.

PART XI — TIER FINALIZATION

48. What Tier Finalized Means

A Tier Eligible transaction generally becomes Tier Finalized after applicable requirements have been met, including:

1. qualifying customer payment has settled;

2. required delivery, service completion or approved fulfilment milestone has occurred;

3. the applicable ordinary Buyer issue window has passed;

4. no unresolved material refund or dispute remains;

5. the Affiliate has not withdrawn that transaction’s 4% Base Commission early; and

6. the transaction otherwise remains eligible.

49. Tier Month

A Tier Eligible transaction counts toward tier progress in the calendar month in which it becomes:

Tier Finalized

not merely the month in which the initial order was placed.

50. Do Not Misrepresent Pending Sales

Affiliates should not represent a pending, unfinished, undelivered or actively disputed transaction as guaranteed finalized tier volume.

PART XII — REFUNDS, REVERSALS AND CLAWBACKS

51. Commission Follows Transaction Eligibility

Affiliate commission remains connected to the underlying qualifying transaction.

52. Full Refund

Where an underlying transaction is validly fully refunded or reversed, up to 100% of the corresponding Affiliate commission may be reversed or clawed back.

53. Partial Refund

Where a transaction receives a valid partial refund:

• commission may be recalculated proportionally; and

• tier volume may be recalculated using the retained qualifying amount.

54. Paid Commission May Still Be Adjusted

Affiliates must not claim that commission can never be reversed once paid.

Valid post-payment adjustments may create a Negative Affiliate Balance.

55. Recovery

Where contractually and legally permitted, FIA may recover a valid Negative Affiliate Balance through:

• future commission offsets;

• future tier top-up offsets;

• future payout offsets; or

• a repayment request.

PART XIII — PAYOUT CLAIMS

56. No Standard CAD $50 Minimum

Affiliates must not state that FIA requires a standard CAD $50 Affiliate payout minimum under the current standard program.

There is no such standard minimum in the current model.

57. Finalized Payout

After applicable reconciliation, FIA pays the Affiliate’s full approved finalized balance to the selected payout method or account.

58. Payout Is Subject to Legitimate Restrictions

Affiliates must not promise an exact payout date where payment may legitimately be affected by matters such as:

• processing time;

• bank restrictions;

• payment-provider limitations;

• missing information;

• fraud review;

• chargeback holds;

• legal restrictions; or

• Negative Affiliate Balances.

PART XIV — AFFILIATE VERSUS SALES/FREELANCER ROLE

59. Separate Roles

Affiliates must not present the Affiliate Program as though it automatically creates an FIA employment or sales-contractor relationship.

60. Affiliate

The Affiliate role generally involves self-directed promotion or referral of approved offers.

61. FIA Freelancer / Independent Sales Contractor

The separate Sales/Freelancer role may include responsibilities such as:

• prospecting;

• Vendor acquisition;

• qualification;

• closing;

• account development; or

• assigned sales activity.

That role requires separate documentation.

62. No Automatic Double Compensation

Affiliates must not represent that the same transaction automatically earns both:

• Affiliate commission; and

• FIA Freelancer/Sales Contractor compensation.

Any overlap must be expressly authorized.

PART XV — REPRESENTING FIA

63. No Impersonation

Affiliates must not impersonate:

• Innovara Marketing Inc.;

• FIA corporate staff;

• a Vendor;

• a government body;

• a regulator; or

• another person or organization.

64. No False Employment Claims

An Affiliate must not describe themselves as an FIA:

• employee;

• director;

• officer;

• official representative;

• account manager;

• salesperson; or

• agent

unless that separate role has actually been granted.

65. Permitted Affiliate Description

An approved Affiliate may accurately identify themselves as an:

FIA Affiliate

or use another approved Affiliate description.

66. No Authority to Bind FIA

Affiliates must not enter into agreements, make commitments or accept obligations on behalf of FIA without express authorization.

PART XVI — REPRESENTING MARKETPLACE VENDORS

67. Vendor Independence

Where an Affiliate promotes an independent Marketplace Vendor, the Affiliate should not imply that the Vendor is owned by FIA or Innovara unless that is actually true.

68. Innovara Offers

Where Innovara is the identified provider, Affiliates may accurately describe the offer as being supplied by the Innovara Marketplace Vendor.

69. Affiliate Is Not Authorized to Alter Vendor Terms

An Affiliate must not independently change:

• price;

• scope;

• refund terms;

• delivery commitments;

• warranties;

• guarantees; or

• other Vendor terms.

PART XVII — FIA BRAND USE

70. Approved Brand Assets

Affiliates should use FIA branding only in ways permitted by FIA.

71. No Brand Ownership Claims

Affiliate use of FIA branding does not grant ownership of:

• FIA trademarks;

• logos;

• visual identity;

• campaign materials;

• written content; or

• other intellectual property.

72. No Modified Logos That Create Confusion

Affiliates must not materially alter FIA branding in a way that creates confusion about:

• ownership;

• official status;

• endorsement; or

• affiliation.

73. Domain Names and Accounts

Affiliates must not register or operate names, domains, profiles or accounts in a manner likely to falsely appear to be FIA’s official corporate account or website.

74. No Misleading “Official” Language

Affiliates must not use terms such as:

• “official FIA office”;

• “FIA headquarters”;

• “official FIA customer service”;

• “official Find It All Canada”

unless expressly authorized.

PART XVIII — PAID ADVERTISING

75. Paid Advertising

Affiliates may use paid advertising only where permitted by the applicable Affiliate Program rules and campaign requirements.

76. Accurate Ad Content

Paid advertisements must comply with the same truthfulness and disclosure standards as other Affiliate content.

77. No Misleading Search Advertising

Affiliates must not create advertisements designed to mislead users into believing the Affiliate’s page is FIA’s official website or a Vendor’s official site where it is not.

78. Restricted Brand Bidding

Where FIA or an applicable campaign imposes restrictions on bidding on protected FIA or Vendor brand terms, Affiliates must follow those restrictions.

Campaign-specific paid-search rules may be communicated separately.

PART XIX — EMAIL, SMS AND OTHER COMMERCIAL ELECTRONIC MESSAGES

79. Electronic Marketing Responsibility

Affiliates sending commercial electronic messages are responsible for complying with applicable electronic-marketing requirements.

80. Consent

Where consent is required, Affiliates must have an appropriate basis for sending the message.

FIA Affiliate status itself does not provide consent to contact a person.

81. Identification

Where required, commercial electronic messages must identify the sender and other persons who are required to be identified.

Affiliates must not conceal their identity.

82. Unsubscribe Mechanism

Where required, commercial electronic messages must include a working and reasonably accessible unsubscribe mechanism.

83. Honour Unsubscribe Requests

Affiliates must respect valid unsubscribe requests as required.

84. No Purchased or Harvested Lists

Affiliates must not use unlawful:

• scraped email lists;

• harvested electronic addresses;

• purchased contact lists lacking an appropriate basis for contact; or

• other unauthorized contact databases

to promote FIA offers.

85. FIA Customer Information Is Not an Affiliate Marketing List

An Affiliate does not gain unrestricted marketing permission merely because a person:

• purchased through FIA;

• interacted with a Vendor;

• appeared in an FIA record; or

• completed a Marketplace transaction.

PART XX — SOCIAL MEDIA AND COMMUNITY PROMOTION

86. Platform Rules

Affiliates are responsible for complying with applicable platform rules when promoting FIA offers.

87. No Spam

Affiliates must not engage in repetitive, deceptive or abusive promotional behaviour.

Examples may include:

• mass unsolicited posting;

• repetitive comment spam;

• misleading direct messages;

• automated spam;

• irrelevant promotional posting; or

• other abusive distribution practices.

88. Community Respect

Affiliate promotion must remain consistent with the Community Guidelines.

PART XXI — INCENTIVES AND CUSTOMER BENEFITS

89. Approved Incentives Only

Affiliates may offer customer incentives connected with an FIA campaign only where:

• the incentive is permitted;

• the terms are clear; and

• the Affiliate has authority to provide it.

90. No Unauthorized Cashback or Rebate Promise

Affiliates must not promise an unauthorized:

• cashback payment;

• rebate;

• gift;

• refund;

• credit; or

• discount

using expected Affiliate commission unless FIA expressly permits the arrangement.

91. Incentives Must Not Manipulate Reviews

Affiliates must not offer incentives conditioned on:

• positive reviews;

• fake reviews;

• deletion of legitimate negative feedback; or

• misleading testimonials.

PART XXII — EARNINGS AND BUSINESS-OPPORTUNITY CLAIMS

92. No Guaranteed Income

Affiliates must not state or imply that participation guarantees:

• income;

• profit;

• financial independence;

• employment;

• recurring revenue;

• a particular tier; or

• a particular number of sales.

93. Earnings Examples

Where an Affiliate discusses their own earnings, the representation must be truthful and should not create a misleading impression that the same result is typical or guaranteed.

94. No Recruitment Misrepresentation

Affiliates must not misrepresent FIA’s Affiliate Program as:

• guaranteed employment;

• a salaried role;

• a franchise;

• an investment product; or

• a guaranteed business opportunity.

PART XXIII — BUYER RIGHTS

95. Do Not Misrepresent Refund Rules

Affiliates must not tell Buyers that FIA has an absolute:

“no refunds after X days”

rule.

96. Ordinary Buyer Issue Windows

FIA’s ordinary Marketplace issue windows are:

• 7 calendar days from confirmed completion or delivery for completed services and digital deliverables;

• 14 calendar days from confirmed delivery for physical goods.

Wrong, visibly damaged, incomplete or missing goods should ordinarily be reported promptly and, where reasonably discoverable, generally within 7 calendar days.

97. Legal and Other Exceptions

Affiliates should not represent the ordinary FIA windows as eliminating applicable rights involving:

• fraud;

• unauthorized payment;

• non-delivery;

• latent defects;

• applicable warranties;

• mandatory statutory cancellation rights;

• mandatory consumer protection rights; or

• other non-waivable rights.

98. Affiliate Cannot Decide Refunds

Affiliates are not authorized to decide whether a Buyer is entitled to:

• a refund;

• cancellation;

• warranty remedy;

• Buyer Protection outcome; or

• chargeback.

PART XXIV — AI-ASSISTED AFFILIATE CONTENT

99. AI May Assist, But the Affiliate Remains Responsible

Affiliates may use AI-assisted tools where permitted, but remain responsible for final promotional content.

100. AI Must Not Fabricate Material Facts

AI-assisted content must not be used to fabricate:

• reviews;

• testimonials;

• customer experiences;

• product results;

• Vendor credentials;

• certifications;

• earnings;

• endorsements; or

• other material claims.

101. Synthetic Media

Affiliates should not use materially deceptive synthetic media to imply that a real person endorsed, used or recommended an offer when they did not.

See Responsible AI & AI Usage Disclosure.

PART XXV — COPYRIGHT AND CONTENT RIGHTS

102. Rights to Promotional Content

Affiliates must have appropriate rights to content used in their promotions.

103. No Unauthorized Content

Affiliates must not knowingly use unauthorized:

• photographs;

• videos;

• music;

• logos;

• trademarks;

• written content; or

• other protected works.

104. FIA-Supplied Assets

Where FIA supplies promotional assets, use remains subject to any applicable limitations communicated with those assets.

See the Copyright & Intellectual Property Policy.

PART XXVI — PROHIBITED PROMOTIONAL PRACTICES

105. Prohibited Conduct

Affiliates must not use promotional tactics involving:

• fraud;

• impersonation;

• fake reviews;

• false endorsements;

• fabricated scarcity;

• deceptive countdown timers;

• fake sales activity;

• materially false pricing;

• unauthorized guarantees;

• misleading earnings claims;

• spam;

• unauthorized tracking;

• attribution manipulation; or

• another material deception.

106. No Fake Scarcity

Affiliates must not state that:

• “only one remains”;

• “offer ends tonight”;

• “spots are almost gone”; or

• similar scarcity claims

unless the representation is accurate and authorized.

107. No False Urgency

Affiliates must not create artificial urgency using fake:

• deadlines;

• countdowns;

• inventory alerts;

• closing dates; or

• promotion periods.

PART XXVII — ATTRIBUTION MANIPULATION

108. Cookie Stuffing and Forced Attribution

Affiliates must not use unauthorized methods such as:

• cookie stuffing;

• forced clicks;

• hidden redirects;

• automatic referral injection;

• artificial click generation; or

• other non-genuine attribution methods.

109. Interfering With Another Affiliate

Affiliates must not deliberately manipulate a customer journey solely to overwrite another Affiliate’s valid protected attribution.

110. Fake Transactions

Affiliates must not create or coordinate sham transactions for the purpose of generating:

• commission;

• Tier Progress;

• bonuses;

• campaign activity; or

• payout.

PART XXVIII — PRIVACY

111. Customer Privacy

Affiliates must respect applicable customer privacy requirements.

112. Privacy Choices and Tracking

Privacy choices take priority over optional Affiliate tracking.

Affiliates must not encourage or implement unauthorized workarounds designed to defeat customer privacy choices.

113. Customer Data

Affiliates must not sell, disclose or misuse customer personal information received through FIA.

Review the Privacy Policy and Cookie & Tracking Policy.

PART XXIX — REPORTING AND RECORDS

114. Affiliate Promotion Records

Where appropriate, Affiliates should retain records reasonably necessary to demonstrate compliance with promotional requirements.

Depending on the activity, this may include:

• evidence of consent for electronic marketing;

• campaign approvals;

• promotional content;

• disclosure wording;

• offer information; or

• approved advertising material.

115. FIA Compliance Review

FIA may reasonably request information concerning Affiliate promotion where necessary to investigate:

• complaints;

• disclosure concerns;

• spam;

• misleading claims;

• brand misuse;

• fraud; or

• other program compliance concerns.

PART XXX — CORRECTIVE ACTION

116. Correcting Promotional Content

FIA may ask an Affiliate to:

• add or improve a disclosure;

• correct inaccurate claims;

• remove outdated pricing;

• stop using unauthorized branding;

• remove prohibited advertising;

• correct Affiliate-rate claims; or

• otherwise bring content into compliance.

117. Prompt Cooperation

Affiliates should reasonably cooperate with valid corrective requests.

PART XXXI — ENFORCEMENT

118. Potential FIA Action

Depending on the circumstances, FIA may:

• issue guidance;

• require correction;

• remove or disable promotional assets;

• restrict access to particular campaigns;

• invalidate ineligible attribution;

• reverse ineligible commission;

• suspend Affiliate participation; or

• terminate Affiliate participation

as permitted under the Affiliate Program Terms & Conditions.

119. Severity and Context

FIA may consider matters such as:

• seriousness;

• frequency;

• whether conduct was intentional;

• Affiliate cooperation;

• customer impact;

• Vendor impact;

• legal or reputational risk; and

• corrective action.

PART XXXII — CHANGES TO CAMPAIGNS

120. Current Offer Information

Affiliates are responsible for using reasonably current approved offer information.

121. Offer Changes

FIA or the applicable Vendor may change future:

• pricing;

• offer details;

• promotion periods;

• Affiliate eligibility; or

• campaign conditions

subject to applicable terms.

Affiliates should update promotional materials accordingly.

122. Vendor Campaign Opt-Out

Where an independent Vendor prospectively leaves an Affiliate Campaign, Affiliates should stop promoting the affected offer as Affiliate Eligible after the applicable effective time.

A Vendor’s later opt-out does not automatically erase valid prior attribution.

PART XXXIII — RELATED DOCUMENTS

123. Affiliate Documents

These Guidelines should be read with:

• Affiliate Program Terms & Conditions

• Affiliate Application & Participation Declaration

• Affiliate Tracking & Attribution Disclosure

• Marketplace Affiliate Sales Disclosure

124. Marketplace Documents

Where Affiliate promotion relates to Marketplace offers, relevant documents include:

• Marketplace Seller Standards

• Marketplace Buyer Protection & Resolution Policy

• Marketplace Purchase Terms

• Marketplace Order, Fulfilment, Cancellation & Refund Standard

• Payment, Billing, Refund & Payout Policy

125. General FIA Policies

Other relevant documents include:

• Terms of Service

• Privacy Policy

• Cookie & Tracking Policy

• Acceptable Use Policy

• Community Guidelines

• Reviews & Ratings Policy

• Copyright & Intellectual Property Policy

• Responsible AI & AI Usage Disclosure

• Dispute Resolution & Complaints Policy

• Trust Centre

PART XXXIV — QUESTIONS AND REPORTING

126. Affiliate Questions

Questions about Affiliate promotion, disclosure or campaign requirements should be submitted through the applicable FIA Affiliate or support channel.

127. Report Misleading Affiliate Promotion

Suspected:

• undisclosed Affiliate promotion;

• spam;

• false claims;

• impersonation;

• fake reviews;

• misleading earnings claims;

• attribution manipulation;

• privacy abuse; or

• other Affiliate misconduct

may be reported through Report a Concern / Abuse.

128. Policy, Privacy and Legal Enquiries

Questions concerning these Guidelines or FIA’s broader legal/policy framework may be submitted through Policy, Privacy & Legal Enquiry.

129. Trust Centre

FIA’s public policy and trust framework is available through the Trust Centre.

PART XXXV — FINAL PROMOTIONAL STANDARD

130. Core Affiliate Rule

When promoting FIA or an FIA Affiliate Eligible offer, Affiliates should ensure that the promotion is:

• truthful;

• transparent;

• clearly disclosed where required;

• accurate about pricing and commissions;

• respectful of privacy choices;

• consistent with the approved offer; and

• not misleading about the Affiliate’s role or authority.

131. Current Standard Affiliate Model

As of 1 October 2026, Affiliates should ensure that any public explanation of FIA’s standard Affiliate structure is consistent with the following:

• 24-hour protected referral window;

• first-valid-click attribution;

• first-sale-only default;

• 4% Base Commission on Qualifying Sales;

• selected offer-specific final tiers of 5%, 10% and 15%;

• the 4% Base Commission is included in those final rates;

• unrelated offers are not combined unless FIA expressly groups them;

• early withdrawal of the 4% Base Commission locks that transaction at 4% and removes it from tier progress;

• transactions count toward a tier when they become Tier Finalized;

• commission may be adjusted for refunds, chargebacks, reversals, fraud or ineligibility;

• valid paid commission may be recovered through Negative Affiliate Balance treatment where applicable;

• there is no standard CAD $50 Affiliate payout minimum; and

• Affiliate and FIA Freelancer/Sales Contractor compensation are separate.

132. No Guaranteed Results

Nothing in the Affiliate Program guarantees:

• traffic;

• customers;

• sales;

• commission;

• a particular tier;

• income; or

• business success.

133. Final Responsibility

Affiliates remain responsible for the promotional content and marketing methods they use.

Use of FIA-provided materials does not authorize an Affiliate to add:

• false statements;

• unsupported claims;

• misleading pricing;

• hidden commercial relationships; or

• unlawful marketing practices.

End of Affiliate Promotion & Disclosure Guidelines — FIA-POL-015 — Version 1.1