Independent Partner Program Terms (IPP Terms)

Effective Date: February 16, 2026

Welcome to the Power Couple Financial Coaching (PCFC) Independent Partner Program (“IPP”). These IPP Terms apply to anyone who participates as an Independent Partner, promotes PCFC using a referral link, or attempts to earn commissions through PCFC.

By enrolling in or participating in the IPP, you agree to these IPP Terms, along with PCFC’s general Terms of Use, Privacy Policy, and Disclaimer (collectively, the “PCFC Terms”). Participation in the IPP is optional.

1) Educational Platform Only

PCFC is an educational platform. Participation in the IPP does not create an advisory, fiduciary, or professional relationship. PCFC does not provide financial, legal, tax, or investment advice.

2) Eligibility Requirements

To participate in the IPP, you must meet all eligibility requirements below:

  • You are at least 18 years old (or the legal adult age in your jurisdiction).
  • You can legally participate in referral/affiliate programs where you live.
  • You maintain a PCFC account using a valid email address so the platform can link your referral ID for tracking purposes.
  • You will provide accurate and truthful information in any IPP activation or onboarding form.
  • You agree to follow the marketing and conduct rules in these IPP Terms.
  • You will provide any required tax documentation before receiving payout.

Individuals under 18 may access PCFC educational content through a parent or legal guardian account but are not eligible to participate in the IPP.

PCFC may deny, suspend, or terminate IPP access if eligibility cannot be verified or if participation creates operational, legal, or compliance risk.

3) Enrollment and Activation

The IPP is free to join. A paid PCFC membership is not required to participate.

To activate the IPP, you must first have a PCFC account so the platform can create your login and reasonably link your email to your referral ID for tracking and payout administration. This may be done through a free PCFC account or a paid membership account.

IPP enrollment may require confirming certain acknowledgments (such as age confirmation and agreement to these IPP Terms) and may include forms, tags, custom fields, or other platform-based verification steps.

PCFC may update the IPP activation process over time to improve compliance, reduce fraud, and simplify operations.

4) How Referral Tracking Works (Important)

Each Independent Partner receives a unique referral link. Referral tracking depends on third-party platform systems and normal internet/browser behavior.

Tracking may be disrupted by factors such as:

  • Clearing cookies or browser data
  • Switching devices or browsers
  • Using private/incognito browsing
  • Changing email addresses
  • Ad blockers, privacy tools, or network restrictions
  • Existing referrals, prior clicks, or other attribution rules
  • Refunds, chargebacks, failed payments, or subscription changes

Tracking systems are not perfect. PCFC’s intent is to honor legitimate referral relationships whenever reasonably supported by platform data and operational ability, but PCFC cannot guarantee continuous tracking in every scenario.

PCFC may require that the referring and referred accounts can be reasonably linked through platform records and/or user-provided information.

Referral attribution is dependent on third-party software systems and may change if those platforms modify their tracking logic.

5) Commission Overview and “50%” Meaning

PCFC currently offers a recurring commission rate (example: 50%) on qualifying memberships sold through your referral link. Commission rates, eligible offers, and program economics are subject to change at PCFC’s discretion.

Important notes:

  • “50%” refers to the commission rate configured for eligible offers and calculated by the platform based on the subscription/offer settings.
  • Commissions apply only to eligible memberships and offers designated by PCFC.
  • VIP memberships do not generate referral commissions unless PCFC expressly designates otherwise in writing.
  • Commissions may be reduced, reversed, or withheld due to refunds, chargebacks, disputed payments, subscription cancellations, failed payments, or suspected fraud.
  • Payment processor fees, currency conversion, international transfer fees, bank fees, PayPal fees, and similar costs may impact net amounts received by PCFC and/or the Independent Partner.
  • PCFC does not control third-party fees charged to you by PayPal, banks, or transfer providers.

Commissions are calculated based on the actual subscription amount successfully collected by PCFC, excluding taxes, discounts, refunds, chargebacks, and failed transactions.

PCFC’s goal is to run a generous, sustainable program, but program sustainability comes first.

6) Current Illustrative Examples Only

The following examples are for illustration only. They are not promises, guarantees, or fixed future program terms.

Illustrative Example — PCFC Complete Package ($19.99/month)
If a referred member joins the PCFC Complete Package at $19.99 per month, and the eligible commission rate is 50%, the referring Independent Partner may earn approximately $10 per month before any applicable fees, reversals, or adjustments.

Illustrative Example — PCFC Complete Package Annual Plan ($190/year)
If a referred member joins the annual PCFC Complete Package at $190 per year, and the eligible commission rate is 50%, the referring Independent Partner may earn approximately $95 before any applicable fees, reversals, or adjustments.

These examples are illustrative only. Actual results depend on real member decisions, retention, platform attribution, successful payment collection, and continued compliance with these Terms.

7) Minimum Payout Threshold and Payout Timing

To reduce excessive processing costs and administrative overhead, PCFC may use a minimum payout threshold (example: $50) before issuing payouts.

PCFC may also use a payout delay (example: 30 days) to reduce fraud and reflect refund/chargeback windows.

PCFC may adjust payout thresholds, payout timing, and payout methods if processing costs, platform limitations, fraud controls, or business sustainability require changes.

8) Tax Documentation Required Before Payout

Tax documentation must be submitted and verified prior to payout issuance.

PCFC may require appropriate tax documentation based on your location and status (for example, a U.S. W-9 or other applicable documentation).

If tax documentation is not received, incomplete, or cannot be verified:

  • Commissions may continue to accrue in the platform, but
  • Payouts will not be issued until requirements are satisfied, and
  • PCFC may limit or disable IPP access for compliance reasons.

You are responsible for your own tax reporting and compliance in your jurisdiction.

9) Approved Promotion Methods

You may promote PCFC using honest, compliant marketing practices. Examples that are generally acceptable:

  • Sharing your referral link on your own social media, website, or email list (where permitted)
  • Sharing personal experience in a truthful, non-deceptive way
  • Referring friends, family, or other individuals who asked about PCFC

You must represent PCFC accurately and avoid misleading claims.

10) Prohibited Conduct

You may not:

  • Make income claims, guarantees, or promises of results
  • Claim PCFC provides personalized investment advice, “signals,” or guaranteed outcomes
  • Use spam, mass unsolicited messages, or deceptive outreach
  • Use misleading pricing claims, false urgency, or fake scarcity
  • Impersonate PCFC, present yourself as an employee/agent, or create “official-looking” pages without permission
  • Bid on PCFC trademarks or domain names (or confusingly similar terms) without written approval
  • Use cookie stuffing, fake leads, self-referrals designed to game the system, or other fraud tactics
  • Promote PCFC in a way that violates laws, platform rules, or advertising policies

PCFC reserves the right to audit referral activity and request reasonable verification of traffic sources or promotional methods.

PCFC may withhold commissions and terminate participation for suspected abuse, fraud, or misconduct.

11) Program Changes, Suspension, and Termination

PCFC may modify, pause, or discontinue the IPP at any time, including:

  • Commission rates
  • Eligible offers
  • Payout thresholds or payout methods
  • Tracking rules and attribution logic (as influenced by platform systems)
  • Eligibility requirements
  • Activation processes or compliance procedures

PCFC may suspend or terminate an Independent Partner account at any time for compliance, fraud prevention, operational risk, or violation of these IPP Terms.

Termination may result in forfeiture of unpaid commissions if fraud, abuse, or policy violations are suspected. If participation is terminated without fraud or misconduct, earned but unpaid commissions that meet payout requirements may be paid at PCFC’s discretion.

12) Independent Relationship (No Employment)

Independent Partners are not employees, agents, representatives, or legal partners of PCFC. You have no authority to bind PCFC, make commitments on PCFC’s behalf, or represent that you are acting for PCFC.

13) Intellectual Property

PCFC content, branding, tools, graphics, videos, and materials are the property of Power Couple Financial Coaching (PCFC). Independent Partners may only use PCFC-approved materials (if provided) for the limited purpose of promoting PCFC through official links. No resale, republication, or redistribution of PCFC member materials is permitted unless PCFC gives written permission.

14) No Income Guarantee

Participation in the IPP does not guarantee earnings or financial results. Commission amounts depend entirely on real member decisions, retention, platform attribution, successful payment collection, and compliance with these Terms.

15) Limitation of Liability

To the fullest extent permitted by law, PCFC is not liable for any indirect, incidental, consequential, special, or punitive damages related to IPP participation, including lost profits, lost commissions, tracking failures, platform errors, software issues, or payment delays.

16) Governing Law

These IPP Terms shall be governed by and interpreted in accordance with the laws of the State of Alabama, without regard to conflict of law principles.

Any disputes arising from participation in the IPP shall be subject to the exclusive jurisdiction of courts located in Alabama, unless otherwise required by applicable law.

17) Questions

If you have questions about the IPP or these IPP Terms, please contact us:

Power Couple Financial Coaching LLC
coaching@powercouplefinancialcoaching.com