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Affiliate Program Terms & Conditions

By filling out the signup form you acknowledge that you have read the terms and conditions, understand, and agree with them.

1. Joining the Program

Current affiliate program is only applicable to Home Loan and Refinancing services offered on MoneyIQ.sg.

By filling out the signup form you will automatically become an affiliate and are bound by the terms of this agreement. This agreement is a binding, legal contract between you, the Affiliate and MoneyIQ - the “Company”. The Affiliate Program is administered through our Company pursuant to this agreement.

Affiliate is solely an Independent Contractor when acting as an Affiliate. No partnership, joint venture or other legal entity is created between Company and Affiliate.

All affiliates must be 18 years of age or older. If you are under 18 years of age you are not permitted to be an affiliate.

2. Revocation of Affiliate Status

Your affiliate application and status in the program may be suspended or terminated for any of the following reasons: Inappropriate advertisements (False claims, misleading hyperlinks), Spamming (mass email, mass newsgroup posting, etc...), Advertising on sites containing or promoting illegal activities, violation of intellectual property rights, and any other reason that MoneyIQ might consider inappropriate behaviour and/or practices.

Company has zero tolerance toward any Affiliates associated with spam. The accounts of Affiliates associated with spam are immediately terminated as soon as the violation is verified, with a cancellation of any pending monies or affiliate fees/ cash rewards owed.

Company will immediately terminate any Affiliate account which it believes, in its sole discretion, is transmitting or is otherwise connected with any spam or other unsolicited bulk e-mail. Company will report spam, along with all the spammer's identifying information, to the relevant agencies for civil and criminal prosecution.

3. Affiliate Links

Company reserves all rights in or to its trademarks and servicemarks and copyrights, although they may be used by Affiliate in accordance with this agreement. Affiliate may in no way display a Company logo, image, or trademark which may be distasteful, defame, or misrepresent Company in any way.

You may use graphic and text links both on your facebook, twitter, any online marketing platform and in emails. The affiliate link may not be used in traffic exchange/exit exchange programs. You may use the graphics and text provided to you by us, or you may create your own as long as they are deemed appropriate according to the conditions in 2.

4. Affiliate Tracking

When someone clicks through your affiliate link, a cookie is set in their browser that contains your Affiliate ID number. When this person decides to apply for a loan, the script will look for this cookie to identify the affiliate who will be awarded the affiliate fees.

Affiliate is solely responsible for ensuring that their Affiliate Link is set up properly to have sales tracked and recorded to qualify for affiliate fees/ cash rewards. Company is not responsible for the failure to assign any sale or affiliate fees/ cash rewards to Affiliate if the same results from the improper formatting of any affiliate links.

Company will only pay Affiliate Fees on sales that are tracked through our tracking system and indicate Affiliate as the source of the visit to Company Web site. Affiliate has no right to affiliate fees/ cash rewards if a buyer later returns to the Company site through another Affiliate link or source and makes a purchase.

5. Payments

All Affiliate payments will be made in Singapore dollars by cheque and mail to an address within Singapore. We reserve the right to change the payment method in future. You may request for a payout when your account has more than S$50. Your continuing participation in the program will constitute your acceptance of any change. We pay your fee once we receive payment from our lenders, which typically occurs upon loan closing or after 30 to 60 days from date of loan awarded. The payout is inclusive of all taxes that might apply to you. If you have to pay or collect taxes for the payment, you have to deduct the amount for the tax from the payout.

If a sale is cancelled or refunded, any paid fee will be deducted from a subsequent payment. Affiliate fees will not be paid based upon amounts that are attributable to credit card fraud, credits given to customers, bad debt right-off and returned goods. Company reserves the right to deduct in subsequent months, any affiliate fees/ cash rewards paid for a product or service is subsequently returned or refunded, or for any reason where the previous monthly affiliate fee/ cash rewards was overpaid or later subject to reduction.

There will not be any affiliate fee/ cash rewards if the borrowers or their agents have contacted the same lender and made an application within the last 60 days. Affiliate fee/ cash rewards is also not payable if the borrowers chose to refinance with their existing lender.

It is not allowed to create a sub affiliate account for yourself. You cannot have two MoneyIQ affiliate accounts that are related to each other. If you wish to close your affiliate account, please give us at least 2 weeks notice in writing.

6. Customer Privacy

To protect customer privacy, under Company's Privacy Policy, if deemed necessary Company reserves the right to withhold identifying customer contact information from Affiliate. Company has no obligation to provide Affiliate with any specific information for any customer, regardless of whether said customer arrived at the Company Web site through an Affiliate link.

7. Prohibited Websites

Affiliate agrees not to misrepresent Company products or services. Affiliate also agrees not to advertise Company products or services on Web sites that promote sexually explicit material, violence, wars or pirated materials, or sites that promote discrimination based on race, sex, religion, national origin, or physical disability or sites that promote illegal activities.

Company reserves the right to terminate your affiliate status for any reason in our sole and absolute discretion, including but not limited to the reasons set forth herein.

Company makes no warranties expressed or implied for the Affiliate Program except as outlined in this Agreement. Affiliate program is provided As Is.

Company and Affiliate reserve the right to terminate this agreement at any time, without notice. If terminated, outstanding affiliate fees/ cash rewards shall be paid in the next payment cycle, as long as the terms of this agreement were not violated by the Affiliate. Payment of the final affiliate fees/ cash rewards payment to the Affiliate may be withheld for a reasonable time in order to ensure that the correct amount of monies dued are paid.

Affiliate is solely and fully responsible for any and all costs and expenses Affiliate incurs in the marketing of the Company, Company products and services, and Affiliate agrees to hold Company harmless from same.

In the event that any provision of this Agreement is held to be invalid or unenforceable, said provision shall be reformed only to the extent necessary to make it enforceable, and the balance of the Agreement will remain in full force and effect.

This Agreement shall be governed by and construed in accordance with the laws of Singapore. Any legal action arising out of this Agreement shall be litigated and enforced under the laws of Singapore. In addition, you agree to submit to the jurisdiction of the courts of Singapore, and that any legal action pursued by your shall be within the exclusive jurisdiction of the courts of the Singapore.

The Company obligations and Affiliate remedies are solely and exclusively as described and limited in this agreement and if applicable, on the company's Web site affiliate information. Company liability, whether based on contract, tort, warranty, strict liability, or other legal claim, shall not exceed S$1. In no event shall Company be liable for any loss of profits, loss of use, or other indirect, incidental, or consequential damage to Affiliate.

8. Termination of the agreement

Affiliate agrees to only present Company, Company products and services as set forth in the official Company Website or Company marketing materials. Affiliate will make no claims regarding potential income, earnings, products, or services beyond what is stated at the official Company Website.

Affiliate agrees not to disparage Company, company products or services other Company Affiliates in any manner. Affiliate understands that disparagement may result in the immediate suspension or termination of Affiliate account with a cancellation of any pending affiliate fees/ cash rewards.

These terms will begin upon your signup with the affiliate program and will end when your affiliate account is terminated. The terms of this agreement may be modified by us at any time. If any modification to the terms is unacceptable to you, your only choice is to terminate your affiliate account.

6. Liability

We will not be liable for indirect or accidental damages (loss of revenue, affiliate fees/ cash rewards) due to affiliate tracking failures, loss of database files, and any results of "intents of harm" to the program or our website. We do not make any expressed or implied warranties with respect to the affiliate program and/or products sold at this site. We make no claim that the operation of the affiliate program and our website will be error-free and we will not be liable for any interruptions or errors.

By filling out and submitting our Affiliate Program form you acknowledge that you have read the terms and conditions, understand, and agree with them.