Terms & Conditions

Fintel Connect Publisher Network Terms

Last Update: [February 6, 2025]

Welcome to the Fintel Connect Publisher Network Terms (the “Agreement”).

Fintel Connect Technologies Inc. (the “Company”) operates a performance marketing and affiliate network management platform for financial services businesses accessible at https://app.fintelconnect.com/. (the “Fintel Platform”). Through the Fintel Platform, approved affiliate marketers and publishers (each, a “Publisher”) may access and engage a network of merchants (each, a “Merchant”) for the purpose of promoting their products and services in exchange for a fee (each, a “Publisher Transaction”).

This Agreement, which incorporates and includes any written policies and appendices established, replaced or amended from time to time by the Company with notice to you (such policies collectively referred to as, “Policies”), governs your access and use of the Fintel Platform as a Publisher or a Publisher applicant.

As of the date of Last Update specified above, the Policies are as follows:

• Privacy Policy found here: https://www.fintelconnect.com/publisher-privacy-policy/
• Publisher Commission Payment Appendix attached hereto

PLEASE READ THIS AGREEMENT CAREFULLY. BY CLICKING ON THE ACCEPT BUTTON, YOU AGREE TO, AND ACCEPT, THE TERMS OF THIS AGREEMENT.

1. PUBLISHER ENROLMENT.

1.1 Application To apply to the Company to become a Publisher, you must create an account on the Fintel Platform and accept this Agreement in the manner contemplated herein. The Company may approve or reject your application in its sole and absolute discretion. Upon receiving written notice from the Company of your approval, you will be a Publisher for the purposes of this Agreement.

1.2 Representation and Warranty. By submitting an application to the Company to become a Publisher, you represent and warrant to the Company as of such submission, and at all times during the term of this Agreement thereafter, that: (a) all of the information and material provided in connection with the account creation is true and accurate; (b) you are the authorized representative, and have the authority to contract on behalf, of the legal entity specified in such application, or you are an individual applicant that is 19 years or older; (c) performance under this Agreement does not conflict with any other duty to any other party under which you are bound, including proprietary and privacy rights.

2 ACCESS TO THE FINTEL PLATFORM.

2.1. Rights.As a Publisher, you will: (a) receive access to the Fintel Platform and certain Platform Materials accessible therein; and (b) be eligible to enter into Publisher Transactions directly with Merchants. All of such access, use and activity is subject to your compliance with the terms and conditions of this Agreement. No Intellectual Property Rights or any other right, title or interest is granted to you pursuant to this Agreement other than as expressly set forth herein, and all such Intellectual Property Rights in and to the Fintel Platform and Platform Materials are reserved and retained by Fintel.

2.2 Access Without Charge. Unless expressly stated otherwise in this Agreement, the Company does not charge you to access and use the Fintel Platform and Platform Materials in accordance with the terms and conditions of this Agreement.

2.3 Security of Account. You are responsible for the use and storage of the password and ID issued by the Company to access the Fintel Platform and will immediately notify the Company in writing of any loss or involuntary disclosure thereof. The Company reserves the right to change the password and ID issued to you in the event of a suspected breach of this Agreement or compromise of the security of your account. The Company has the right to monitor your activity on the Fintel Platform and on other public domains, websites, forums or platforms in connection with assessing your compliance with this Agreement.

2.4 Changes to the Fintel Platform. The Company reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, any part or whole of the Fintel Platform or Platform Materials with or without notice.

3. TERMINATION AND SUSPENSION.

3.1 Publisher Closure. You may close your account on the Fintel Platform at any time. By closing your account, this Agreement will be terminated.

3.2 Company Closure. The Company may close your account on the Fintel Platform and terminate this Agreement at any time in its sole discretion, including without limitation, if: (a) you have, or are suspected to have, breached this Agreement or any Merchant Program Agreement; (b) your account is unused and remains inactive for an extended period of time (no less than six (6) months); (c) your account is used, or is believed to have been used, without your permission; or (d) the Company is unable to confirm the ownership of your account or is unable to verify personal information you have provided to the Company with respect to your account.

3.3 Account Suspension. The Company may suspend your account on the Fintel Platform at any time and from time to time in its sole discretion, including without limitation, in order to investigate your activity on the Fintel Platform or your compliance with this Agreement or any Merchant Program Agreement.  

3.4 Effect of Termination. In the event of any termination of this Agreement: (a) you will immediately cease to have any right or license to access or use the Fintel Platform or any Platform Materials; (b) you will cease to accrue any entitlement to Publisher Commissions; (c) all Confidential Information (including as applicable any confidential information of Merchants) that is in your possession or control must be immediately returned or destroyed, at the Company’s sole discretion. If requested, you will certify in writing as to the return or destruction of all such Confidential Information; and (d) the Company will have the right to withhold and offset any accrued and unpaid Publisher Commissions against any amount of outstanding liability you owe to the Company. Termination will not in any event limit any of the Company’s rights and remedies available under this Agreement, which are additional. The Company will not be liable to you for any damage caused in connection with the exercise of its rights in this Section.

4. PUBLISHER TRANSACTIONS AND PAYMENT.

4.1 Entering Publisher Transactions. Through the Fintel Platform, you may enter into Publisher Transactions directly with Merchants. Each such Publisher Transaction is subject to the terms and conditions set forth by that Merchant (the “Merchant Program Agreement”). The Company is not, in any event, a party to any such Publisher Transaction or any Merchant Program Agreement and has no obligation or liability to either party with respect to same.

4.2 Merchant Materials. In the event that you enter into a Merchant Program Agreement, such Merchant may provide you with access and use of certain Merchant Materials through the Fintel Platform. In addition to your ongoing compliance with this Agreement, your access and use of such Merchant Materials is subject to the Merchant Program Agreement.

4.3 Publisher Commissions. Your commission entitlements under any Publisher Transaction (collectively, “Publisher Commissions”), including the amounts and frequency, are subject to the applicable Merchant Program Agreement. Payment obligations with respect to any Publisher Commissions are the sole responsibility of the applicable Merchant. As a service to Merchants, the Company may provide certain functionality through the Fintel Platform that facilitates the payment of Publisher Commissions by the Merchant to you, and that allows for currency conversion at the Company’s prevailing and published rates (“Commission Services”). Commission Services are performed by the Company according to the instruction and authorization of the applicable Merchant, which is provided only after such Merchant has validated and approved such Publisher Transaction and the Publisher Commissions relating thereto. Commission Services may be subject to additional Policies, including with respect to processing fees and limitations on payment if minimum thresholds are not met. In the event that a dispute arises between you and a Merchant with respect to any Publisher Commissions, the Company will be entitled to hold or return  otherwise owed funds to the Merchant until said dispute is resolved.  You agree that the Company has no obligation and incurs no liability to you in connection with Commission Services and any dispute with a Merchant relating to Publisher Commissions. Any and all such disputes must be resolved with the Merchant directly.

4.4 Reports. As a Publisher, you may have access to certain tools and reports for tracking and reviewing Publisher Transactions, Publisher Commissions, and your activities relating thereto. These tools and reports rely on information and data provided to the Company by the applicable Merchant, and such information and data is not audited or verified for accuracy or completeness by the Company. The Company disclaims any representations, warranties and liabilities with respect to same. If you believe there are any errors or dispute any such information and data, you must contact the Merchant directly.

4.5 Taxes You are solely responsible for determining and complying with your applicable tax obligations with respect to this Agreement and any Merchant Program Agreement you enter into. Subject to any tax certificates or evidence of exemption accepted by the Company in its sole discretion, the Company will be permitted to take such actions as it deems necessary to satisfy its tax requirements applicable to you, such as complying with any withholding obligations. Publisher Commissions may be subject to reduction for the withholding of taxes if you fail to provide a valid U.S. Tax Certificate or if taxes are otherwise required to be withheld from the Publisher Commissions, determined in the Company’s reasonable discretion. You will promptly provide the Company with a completed and signed IRS Form W-9 (if requested), and you represent and warrant to the Company that the contents thereof are accurate and complete. You understand that the Company may be required by law to report payments made to you to the IRS. In any event, you agree to indemnify, defend and hold harmless the Company from any tax obligations or liabilities incurred by the Company (other than its own income tax) with respect to your failure to provide accurate tax information, your failure to comply with applicable tax laws and regulations, or as otherwise related to this Agreement and any Merchant Program Agreement.

5. PERMITTED ACTIVITY.

5.1 Publisher Responsibilities. In accessing and using any part or whole of the Fintel Platform or Platform Materials, you will:

a. comply with all applicable laws, including without limitation, anti-SPAM laws, advertising and consumer protection laws, and data protection and privacy laws;

b. be solely responsible for all activity occurring on your account, whether or not authorized by you, as if such activities were your own, including without limitation, any activity associated with the performance of Publisher services under any Merchant Program Agreement;

c. ensure the accuracy, quality, integrity, legality, reliability, and appropriateness of all information and material you provide to the Company, any Merchant, or any other user of the Fintel Platform, which obligation will include without limitation, ensuring that all necessary third party consents and authorization be obtained for the use and disclosure of same;

d. be solely responsible for the quality, origin and legitimacy of the traffic that you provide to Merchants and through the Fintel Platform;

e. ensure that all Publisher Data is provided in accordance with all applicable laws and with all third party licenses and consents, and that Publisher Data does not infringe or misappropriate any third party Intellectual Property Rights;

f. upon request, provide evidence of use of Merchant Materials use, either through use of an impression tag (the “Fintel Tracking Script,” or through sharing a list of all URLs using Merchant Materials;

g. comply with each Merchant Program Agreement you enter into.

5.2 Publisher Restrictions. In accessing and using any part or whole of the Fintel Platform or Platform Materials, you will not:

a. access or use the Fintel Platform or any Platform Materials in any way that is inconsistent with their reasonably intended purpose, including without limitation, using the Fintel Platform to build or offer competitive products or services, to build or copy products or services using similar ideas, features, functions or graphics, or to sell or broker any information or material contained on the Fintel Platform;

b. send emails or any other electronic message, directly or indirectly, which contain false or misleading statements, do not truthfully identify the source or the originating IP address, do not contain an online or real time removal option, or which do not otherwise comply with all applicable laws;

c. circumvent, reverse engineer, disassemble, disable, decompile, decode, scrape, adapt or otherwise attempt to derive or gain access to the source code of, contents of, or underling data relating to, Platform Materials or any part thereof;

d. bypass or breach any security measures used by the Fintel Platform or any Platform Materials;

e. input, upload, transmit or otherwise provide to or through the Fintel Platform any data (including the Publisher Data), information or materials that interfere with or disrupt the integrity or performance of the Fintel Platform or any Platform Materials, or that are unlawful or injurious, or contain, transmit or activate any virus, trojan horse, worm, backdoor, malware or other malicious computer code;

f. cause or otherwise permit any part or whole of the Fintel Platform or any Platform Materials to be published, printed, downloaded, transmitted, distributed, reengineered, or reproduced in any form whatsoever, except with respect to any Merchant Materials expressly licensed for such purpose under a Merchant Program Agreement (the “Approved Merchant Materials”);

g. transmit, or otherwise export any of part or whole of the Fintel Platform or any Platform Materials (which for certainty does not include Publisher Data), except with respect to any Approved Merchant Materials in accordance with this Agreement;

h. damage, destroy, disrupt, circumvent, disable, impair, interfere with or otherwise impede or harm in any manner the Fintel Platform or any Platform Materials, which includes without limitation, making unauthorized changes to any tracking links provided by the Company;

i. remove, delete, alter or obscure any trademarks, specifications, warranties or disclaimers, or any copyright, trademark, patent or other intellectual property or proprietary rights notices from the Fintel Platform or any Platform Materials;

j. engage in, or permit other persons to engage in, any fraudulent, abusive, illegal, infringing, obscene, threatening, offensive, libelous, or otherwise inappropriate activity in connection with your access and use of the Fintel Platform and any Platform Materials;

k. access or use Fintel Platform or any Platform Materials in any manner or for any purpose that infringes, misappropriates or otherwise violates any Intellectual Property Rights or other rights of any third party, or that violates any applicable laws;

l. sublicense, rent, lease, sell, resell or outsource any access and use of the Fintel Platform, any Platform Materials, or any activity relating thereto;

m. use any Platform Materials in connection with aggregating, soliciting or recruiting Publishers, Merchants or other users of the Fintel Platform to form or join a marketing, advertising or similar network;

n. otherwise access or use the Fintel Platform or any Platform Materials beyond the scope of what is expressly authorized under this Agreement.

6. PRIVACY AND CONFIDENTIALITY.

6.1 Publisher Data. The Company’s collection, use, and management of Publisher Data is governed by the Company’s Privacy Policy, as amended and replaced from time to time.  Such Privacy Policy is included in the Policies, which are incorporated in this Agreement.

6.2 Confidential Information. You understand and acknowledge that the Company’s Confidential Information is an asset of considerable value, the unauthorized use or disclosure of which would be damaging. During the term of this Agreement, and at all times thereafter, you will: (a) keep the Confidential Information confidential and use such Confidential Information solely for the purposes of exercising your rights and performing your obligations under this Agreement; (b) not directly, or indirectly, without written authorization from the Company reveal, report, publish, disclose or transfer such Confidential Information to any third party; (c) utilize procedures constituting a high degree of care to maintain the security of such Confidential Information and in no event less than a reasonable standard of care under the circumstances; and (d) disclose such Confidential Information to your Related Parties solely on a need-to-know basis as reasonably required under this Agreement, provided that, any such access or disclosure will first require such Related Parties to enter into a written agreement with you that contains confidentiality obligations that are in content at least as protective as the provisions hereof. If you are required by law or court order to disclose any Confidential Information, you will: (i) first notify the Company of same in writing and without delay; and (ii) cooperate with the Company, and use your best efforts, to limit any such disclosure to the minimum disclosure necessary to comply with such law or court order.

6.3 Feedback. The Company may use any feedback and other suggestions you provide about the Fintel Platform and Platform Materials (or any products or services of the Company relating thereto) without any restriction or obligation to compensate you, and the Company will have no obligation to keep such feedback and suggestions confidential.

6.4 Publisher Logo. The Publisher grants to the Company a limited, revocable, worldwide, non-exclusive, sublicensable right and license to use any trademarks, service marks, trade names, copyright and other material that the Publisher provides to the Company through the Fintel Platform for the purpose of providing access and use of the Fintel Platform as contemplated in this Agreement. The Company will only publish the Publisher’s name and logo outside of such use case with the Publisher’s prior written consent.

7. ELECTRONIC COMMUNICATION CONSENT.

During the term of this Agreement, you consent to receiving electronic communications from the Company and its Related Parties from time to time relating to the Fintel Platform, which communications may be administrative communications, marketing communications, system alerts, technical updates, and corporate news. You additionally may have the option to opt-in and receive electronic communications from third parties, such as Merchants. Any such third party communications and the practices relating to same are at your sole risk, and the Company disclaims any warranties or liabilities relating to same.

8. LIABILITY LIMITATION.

8.1 Liability Cap. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF THE COMPANY AND ITS RELATED PARTIES TO YOU FOR ANY CLAIMS MADE UNDER THIS AGREEMENT WILL NOT EXCEED AN AMOUNT EQUAL TO THE LESSER OF: (A) THE AVERAGE OF PUBLISHER COMMISSIONS PAID TO YOU BY MERCHANTS DURING THE THREE (3) MONTH PERIOD PRIOR TO ANY SUCH CLAIM, AND (B) CAD$1,000. YOU RECOGNIZE AND ACKNOWLEDGE THAT THIS LIMITATION OF LIABILITY IS FAIR AND REASONABLE, IN LIGHT OF THE FACT THAT THE COMPANY IS PROVIDING THIS SERVICE AT NO CHARGE TO YOU.

8.2 Indirect Liability. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER PARTY WILL BE LIABLE TO THE OTHER UNDER THIS AGREEMENT (WHETHER IN CONTRACT OR BASED ON WARRANTY, NEGLIGENCE, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, RELIANCE, PUNITIVE, EXEMPLARY OR SPECIAL DAMAGES, INCLUDING LOSS OF REVENUE OR PROFITS, EVEN IF SUCH PARTY WAS AWARE THAT SUCH DAMAGES COULD RESULT. THE FOREGOING WILL NOT LIMIT RECOVERY FOR (A) THIRD PARTY CLAIMS AGAINST THE COMPANY ARISING FROM YOUR BREACH OF THIS AGREEMENT, AND (B) YOUR INFRINGEMENT OR MISUSE OF THE COMPANY’S INTELLECTUAL PROPERTY OR CONFIDENTIALITY RIGHTS.

9. DISCLAIMERS

TO THE MAXIMUM EXTENT PERMITTED BY LAW AND EXCEPT AS EXPRESSLY STATED IN THIS AGREEMENT, THE FINTEL PLATFORM, THE PLATFORM MATERIALS, AND ANY PRODUCTS OR SERVICES OF THE COMPANY RELATING THERETO (INCLUDING WITHOUT LIMITATION, COMMISSION SERVICES, AND CURRENCY EXCHANGE LIABILITY EXPOSURE RELATING THERETO) ARE PROVIDED “AS IS” AND “AS AVAILABLE”. THE COMPANY HEREBY DISCLAIMS ANY AND ALL WARRANTIES, REPRESENTATIONS AND GUARANTEES WITH RESPECT TO THE FOREGOING, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING WITHOUT LIMITATION, WARRANTIES OR CONDITIONS OF MERCHANTABILITY, NON-INTERRUPTION, NON-INFRINGEMENT, AVAILABILITY, SUITABILITY, UPTIME, QUALITY, ACCURACY, OR FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT ENDORSE OR APPROVE ANY MERCHANT, ANY PRODUCTS OR SERVICES OF ANY MERCHANT, OR ANY MERCHANT MATERIAL. FOR CERTAINTY, THE COMPANY MAKES NO WARRANTY OR GUARANTEE THAT YOUR USE OF THE FINTEL PLATFORM, THE PLATFORM MATERIALS, AND ANY PRODUCTS OR SERVICES OF THE COMPANY RELATING THERETO (INCLUDING WITHOUT LIMITATION, COMMISSION SERVICES) WILL RESULT IN ANY PARTICULAR OUTCOME, REVENUE GENERATION, BUSINESS OPPORTUNITY, PUBLISHER COMMISSIONS, OR MERCHANT ENGAGEMENT. YOU ARE SOLELY RESPONSIBLE FOR ALL DECISIONS THAT YOU MAKE, AND ON ANY RELIANCE YOU PLACE ON INFORMATION OR MATERIALS (WHETHER OF THE COMPANY’S OR A THIRD PARTY) AVAILABLE THROUGH THE FINTEL PLATFORM.  

10. INDEMNIFICATION.

Without limiting any other rights and remedies available to the Company, you will defend, indemnify and hold harmless the Company and the Company’s Related Parties (together, the “Indemnitees”) against and from any and all third party claims, demands, actions, causes of action, damage, loss, suits, proceedings, costs, liabilities, expenses (including any legal fees incurred) and charges incurred or suffered by the Indemnitees as a result of or in connection with: (a) any actual or alleged non-fulfillment or breach by you of any warranty or covenant, or any misrepresentation by you, under this Agreement; or (b) any actual or alleged non-fulfillment or breach by you of any warranty or covenant, or any misrepresentation by you, under any Merchant Program Agreement. This Section will survive any termination of this Agreement for a period of three (3) years.

11. GENERAL.

11.1. Publicity Neither party may issue press releases relating to this Agreement or use the other party’s logo without the other party’s prior written consent.

11.2 Entire Agreement. This Agreement, which incorporates the Policies, constitutes the entire agreement between you and the Company with respect to your access and use of the Fintel Platform and the Platform Materials. In the event that you enter into any Merchant Program Agreement, this Agreement will supersede same with respect to the Fintel Platform and any Fintel Materials to the extent of any conflict. To the extent of any conflict between this Agreement and the Policies, this Agreement will prevail.

11.3 Amendments. With at least fifteen (15) days’ prior written notice, the Company may amend or restate this Agreement, which includes any Policies. Your continued use of the Fintel Platform or any Platform Materials after the expiration of such notice period will constitute your binding and legally enforceable agreement to such amendment. If you do not wish to accept any such amendment or change, then you must terminate your account on the Fintel Platform and cease using the Fintel Platform and any Platform Materials, and terminate any Publisher Transactions.

11.4 Force Majeure. Any delay in the performance by the Company of any duties or obligations hereunder will not be considered a breach of this Agreement if such delay is caused by circumstances beyond the Company’s reasonable control, including without limitation, acts of God, acts of government, floods, fires, earthquakes, civil unrest, war, acts of terror, strikes or other labor problems, failures of common carriers (including Internet service providers), or denial of service attacks.

11.5. Assignment.The Company may assign this Agreement, and all your consents contained herein, in whole, or in part, at any time, with or without notice to you. You may not assign your rights or delegate your duties under this Agreement, either in whole or in part, without the Company’s prior written consent in each instance. This Agreement will enure to the benefit of and be binding upon the parties to this Agreement and their respective successors, heirs and permitted assigns.

11.6 Waivers and Remedies. The Company’s failure to exercise or enforce any right or provision of this Agreement will not operate as a waiver of such right or provision. Waivers will not be effective unless in writing and duly authorized by an officer of the Company. The Company’s rights and remedies provided in this Agreement are in addition to, and not exclusive of, any other rights and remedies provided in this Agreement or otherwise at law or in equity.

11.7. Severability. The invalidity or unenforceability of any provisions of this Agreement will not affect the validity or enforceability of any other provision of this Agreement, which will remain in full force and effect.

11.8. Language. This Agreement was written in the English language. If this Agreement is translated into another language, the English language text will in any event prevail to the maximum extent permitted by law.

11.9 Notice. If any notice or other communication is required or permitted to be given to a party hereunder, such notice or communication will be in writing and: (a) if provided to you, sent by email to your address most recently specified with your account; or (b) if provided to the Company, sent by email to publishers@fintelconnect.com.Notices to you will be deemed to have been given the day after sending such email. Notices to the Company will be deemed to have been given on the date of confirmed delivery by mail, provided that an email copy was also sent prior to such date.

11.10 Governing Law. This Agreement is governed and interpreted pursuant to the laws of the Province of British Columbia, Canada and the federal laws of Canada applicable therein, without regard to principles of conflicts of law that would impose the law of another jurisdiction, and each party agrees to submit to the exclusive jurisdiction of the courts located within the Province of British Columbia, Canada. The foregoing will not limit the Company’s right to enforce this Agreement in any other jurisdiction if reasonably necessary or advisable in the Company’s sole discretion.

11.11 Trial Waiver. You irrevocably and unconditionally agree to waive any right you may have to a trial by jury or commence or participate in any class action against the Company related to the Fintel Platform.

12. DEFINITIONS.

“Confidential Information” means any material or information disclosed by the Company or its Related Parties to you that is marked or otherwise identified as confidential at the time of disclosure, or which given facts and circumstances under which such material or information is disclosed, should reasonably be considered confidential and proprietary; provided that, Confidential Information does not include any of the foregoing material or information that you can demonstrate: (i) has entered into the public domain through no wrongful act or breach of any obligation of confidentiality by you; (ii) was in your lawful knowledge and possession, or was independently developed by you, prior to the time it was disclosed to, or learned by, you hereunder as evidenced by written records; (iii) was rightfully received by you from a third party without a breach of such third party’s obligations of confidentiality; or (iv) was approved in writing for release by the Company. For certainty, and without limiting the foregoing, Confidential Information of the Company includes this Agreement and the Fintel Materials, including any Fintel Platform features and any information, data or content available on the Fintel Platform to registered users only.

“Fintel Materials” means any and all information and material that is accessible through the Fintel Platform, excluding Merchant Materials and Third Party Materials.

“Fintel Tracking Script” is JavaScript accessible via the Fintel Platform that allows for more granular reporting on placements and impressions.

“Intellectual Property Rights” means any and all right, title and interest in and to any and all trade secrets, patents, copyrights, service marks, trademarks, know-how, trade names, rights in trade dress and packaging, moral rights, rights of privacy, publicity and similar rights of any type, continuations, or other registrations with respect to any of the foregoing, under the laws or regulations of any foreign or domestic governmental, regulatory, or judicial authority.

“Merchant Materials” means any information and material that is provided or made available by a Merchant to Publishers through the Fintel Platform, which is not proprietary to the Company, such as marketing material, campaign landing page URLs, web banners, text links, creative copy, keywords identifying the Merchant, creative, logo files and any other media containing a linking URL through which traffic may be directed to Merchant’s landing pages.

“Platform Materials” means Fintel Materials, Merchant Materials and Third Party Materials, as applicable.

“Publisher Data” means any and all data or information provided by you to the Company in connection with your access and use of the Fintel Platform, including without limitation, data and information provided through the creation of your user account.

“Related Parties” means the parties’ subsidiaries and affiliates, their successors and permitted assigns, and their officers, directors, contractors, and employees.

“Third Party Materials” means any information and material that is accessible through the Fintel Platform but is not proprietary to the Company.

PUBLISHER COMMISSION PAYMENT APPENDIX

Last Update: [February 6, 2025]

This Publisher Commission Payment Appendix (the “Appendix”) is subject to the Fintel Connect Publisher Network Terms (the “Agreement”) between you and Fintel Connect Technologies Inc. (the “Company”). Any capitalized terms used but not defined herein have the meaning provided in the Agreement.

PUBLISHER COMMISSION PAYMENTS

1. Payment Facilitation Date. The Company will facilitate payment of Publisher Commissions to you on the 12^th business day of each month (the “Payment Date”), subject to the Company first receiving such payment from the applicable Merchant. The Company will not have any payment obligation to you for Publisher Commissions not first received from the applicable Merchant.
2. Payment Thresholds. The Company will consolidate all Publisher Commission entitlements to you on each Payment Date (the “Payout Amount”), and will provide payment to you of such amounts according to the payment method selected through the Fintel Platform. In the event that your Payout Amount is less than the minimum monthly threshold, in any instance, such Payout Amount will be withheld by the Company and carry over to the following Payment Date:

• Wire Transfer: CAD $500 / USD $500
• Cheque: CAD $75 / USD $60
• PayPal: CAD $25 / USD $20 
  3. Currency Exchange. Any request for currency exchange with respect to Payout Amounts may be supported by the Company at the prevailing Bank of Canada rate on the day of your request.
  4. Disclaimer. You agree that the Company has no obligation and incurs no liability to you in connection with Commission Services (and any other activity or obligation relating to the Publisher Commissions) and any dispute with a Merchant relating to Publisher Commissions. Any and all such disputes must be resolved with the Merchant directly.