Affiliate Policy
Iberia Finance
Website: https://iberia-finance.com
Contact: [email protected]
Last Updated: January 1, 2026
Effective Date: January 1, 2026
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1. Introduction
This Affiliate Policy (“Policy”) governs the participation of individuals and entities (“Affiliate,” “you,” or “your”) in the Iberia Finance Affiliate Program (“Program”). The Program is operated by Iberia Finance (“we,” “us,” “our,” or “the Company”).
By applying for, registering with, or participating in the Program, you agree to be bound by this Policy, our Terms and Conditions, our Privacy Policy, and all applicable laws and regulations. If you do not agree with this Policy, you must not participate in the Program.
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2. Program Overview
2.1 Purpose
The Iberia Finance Affiliate Program allows approved affiliates to earn commissions by referring new customers to Iberia Finance through unique tracking links, referral codes, or other approved methods.
2.2 Program Availability
The Program may not be available in all jurisdictions. We reserve the right to restrict or deny participation based on geographic, regulatory, or business considerations.
2.3 Program Changes
We reserve the right to modify, suspend, or terminate the Program, in whole or in part, at any time with reasonable notice. Continued participation after changes constitutes acceptance of the updated Policy.
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3. Eligibility and Application
3.1 Eligibility Requirements
To participate in the Program, you must:
– Be at least 18 years of age
– Have the legal capacity to enter into a binding agreement
– Not be located in a prohibited jurisdiction
– Not be subject to sanctions or on any prohibited party list
– Maintain a valid account in good standing
– Comply with all applicable laws and regulations
3.2 Application Process
To apply, you must complete the affiliate application form available through our website or by contacting us at [email protected]. We may request additional information to verify your identity, business, and promotional methods.
3.3 Acceptance and Rejection
We reserve the right to accept or reject any application at our sole discretion, without providing reasons. We may also request additional documentation or clarification before making a decision.
3.4 Account Activation
Upon approval, you will receive access to your affiliate dashboard, unique tracking links, and promotional materials.
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4. Affiliate Obligations
4.1 Promotional Methods
You agree to promote Iberia Finance only through approved methods, which may include:
– Your website or blog
– Social media channels
– Email marketing to consented audiences
– Content marketing and reviews
– Paid advertising (where permitted)
– Other methods approved in writing by Iberia Finance
4.2 Compliance with Laws
You must comply with all applicable laws and regulations, including but not limited to:
– Advertising and marketing laws
– Data protection laws (including GDPR)
– Consumer protection laws
– Financial promotion rules
– Anti-spam legislation
4.3 Disclosure Requirements
You must clearly and prominently disclose your affiliate relationship with Iberia Finance in all promotional materials. Disclosures must be:
– Clear and conspicuous
– Placed near the promotional content
– Understandable to the average consumer
– Compliant with applicable advertising standards
4.4 Prohibited Activities
You must not:
– Make false, misleading, or deceptive claims
– Promise guaranteed returns or risk-free investments
– Use spam or unsolicited communications
– Engage in cookie stuffing or forced clicks
– Bid on Iberia Finance brand terms without permission
– Use trademarked terms in violation of our rights
– Promote through prohibited channels
– Target prohibited audiences
– Misrepresent our services or fees
– Impersonate Iberia Finance or its employees
– Engage in any fraudulent or unethical activity
4.5 Brand Guidelines
You must comply with our brand guidelines, including:
– Proper use of our name, logo, and trademarks
– Approved messaging and claims
– Visual identity standards
– Tone and voice requirements
4.6 Content Standards
All promotional content must be:
– Accurate and truthful
– Professional and appropriate
– Free from offensive or discriminatory material
– Compliant with financial services advertising rules
– Approved by us where required
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5. Tracking and Attribution
5.1 Tracking Links
You will receive unique tracking links, codes, or identifiers. You are responsible for ensuring these are used correctly and not modified without authorization.
5.2 Attribution
Attribution of referrals to your account is based on our tracking systems. We use industry-standard methods, including cookies and device identifiers, to track referrals.
5.3 Attribution Window
The attribution window for referrals is 30 days from the initial click, unless otherwise specified in your affiliate agreement.
5.4 Disputed Attribution
If you believe attribution is incorrect, you must contact us at [email protected] within 30 days. Our determination is final and binding.
5.5 Tracking Limitations
We are not responsible for:
– Lost or corrupted tracking data
– Technical failures affecting tracking
– Users who block cookies or tracking
– Attribution errors caused by third parties
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6. Commissions and Payments
6.1 Commission Structure
Commission rates and structures are specified in your affiliate agreement or dashboard. We reserve the right to modify commission structures with notice.
6.2 Qualifying Referrals
A qualifying referral must:
– Be a new customer to Iberia Finance
– Complete the required actions (e.g., account registration, verification, first transaction)
– Meet all eligibility criteria
– Remain in good standing for the required period
– Not be fraudulent or self-referred
6.3 Commission Calculation
Commissions are calculated based on:
– The commission rate applicable to your tier
– The qualifying actions completed
– Any adjustments for refunds, chargebacks, or fraud
6.4 Payment Terms
Payments are made according to the schedule specified in your affiliate agreement. Minimum payout thresholds may apply.
6.5 Payment Methods
Payments are made via approved methods, which may include bank transfer or other methods specified in your dashboard. You are responsible for providing accurate payment details.
6.6 Taxes
You are solely responsible for all taxes on your commission income. We may require tax documentation before processing payments.
6.7 Adjustments and Clawbacks
We may adjust or claw back commissions for:
– Refunded or reversed transactions
– Fraudulent referrals
– Violations of this Policy
– Customer chargebacks
– Duplicate or erroneous payments
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7. Affiliate Conduct
7.1 Professional Standards
You must conduct yourself professionally and ethically at all times. You represent Iberia Finance and must uphold our reputation.
7.2 Confidentiality
You must keep confidential any non-public information about Iberia Finance, including:
– Commission rates
– Business strategies
– Customer information
– Proprietary data
7.3 Independent Contractor
You are an independent contractor, not an employee, agent, or partner of Iberia Finance. You have no authority to bind us to any agreement.
7.4 No Employment Relationship
Nothing in this Policy creates an employment, agency, partnership, or joint venture relationship.
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8. Compliance and Monitoring
8.1 Monitoring
We monitor affiliate activity to ensure compliance with this Policy. Monitoring may include:
– Reviewing promotional content
– Analyzing traffic patterns
– Auditing referrals
– Investigating complaints
8.2 Audits
We may audit your activities and records related to the Program. You agree to cooperate with any audit and provide requested information.
8.3 Reporting Violations
You must report any violations of this Policy by other affiliates to [email protected].
8.4 Corrective Actions
If we identify non-compliance, we may:
– Issue a warning
– Require corrective action
– Suspend your account
– Terminate your participation
– Withhold or claw back commissions
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9. Data Protection and Privacy
9.1 GDPR Compliance
You must comply with all applicable data protection laws, including the General Data Protection Regulation (EU) 2016/679. This includes:
– Obtaining valid consent for marketing
– Providing clear privacy notices
– Honoring data subject rights
– Implementing appropriate security measures
– Reporting data breaches
9.2 Customer Data
You must not collect, store, or process customer data on our behalf without explicit written authorization. Any authorized processing must comply with our data protection requirements.
9.3 Email Marketing
If you use email marketing, you must:
– Only contact individuals who have consented
– Include clear opt-out mechanisms
– Comply with anti-spam laws
– Maintain accurate records
9.4 Cookies and Tracking
You must comply with cookie and tracking laws, including:
– Obtaining consent where required
– Providing clear information
– Honoring opt-out preferences
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10. Intellectual Property
10.1 License Grant
We grant you a limited, non-exclusive, non-transferable, revocable license to use our approved promotional materials solely for the purpose of promoting Iberia Finance.
10.2 Restrictions
You must not:
– Modify our materials without approval
– Use our trademarks in domain names
– Register trademarks similar to ours
– Create derivative works without permission
– Use our materials after termination
10.3 Ownership
All intellectual property rights remain with Iberia Finance. You acquire no ownership rights through your participation in the Program.
10.4 Infringement
You must not infringe on our intellectual property or the rights of third parties. You are responsible for any claims arising from your promotional activities.
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11. Term and Termination
11.1 Term
This Policy remains in effect for as long as you participate in the Program.
11.2 Termination by You
You may terminate your participation at any time by contacting us at [email protected].
11.3 Termination by Us
We may suspend or terminate your participation immediately for:
– Violation of this Policy
– Fraudulent or unethical activity
– Legal or regulatory requirements
– Business considerations
– Inactivity
11.4 Effect of Termination
Upon termination:
– Your license to use our materials ends
– You must remove all promotional content
– Accrued commissions may be paid or forfeited based on circumstances
– Certain provisions survive termination
11.5 Survival
Provisions relating to confidentiality, intellectual property, indemnification, limitation of liability, and dispute resolution survive termination.
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12. Disclaimers and Limitations
12.1 No Guarantees
We make no guarantees regarding:
– Commission amounts
– Program availability
– Conversion rates
– Continued operation of the Program
12.2 As-Is Basis
The Program is provided “as is” and “as available” without warranties of any kind.
12.3 Limitation of Liability
To the maximum extent permitted by law, we are not liable for:
– Indirect, incidental, or consequential damages
– Lost profits or opportunities
– Data loss or corruption
– Third-party claims
12.4 Cap on Liability
Our total liability to you shall not exceed the commissions paid to you in the 12 months preceding the claim.
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13. Indemnification
You agree to indemnify, defend, and hold harmless Iberia Finance, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:
– Your violation of this Policy
– Your promotional activities
– Your violation of any laws
– Your infringement of third-party rights
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14. Dispute Resolution
14.1 Informal Resolution
Before filing a formal dispute, you agree to contact us at [email protected] to seek informal resolution.
14.2 Arbitration
Any dispute not resolved informally shall be resolved through binding arbitration in accordance with applicable rules.
14.3 Class Action Waiver
To the extent permitted by law, you agree to resolve disputes individually and waive the right to participate in class actions.
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15. General Provisions
15.1 Entire Agreement
This Policy, together with your affiliate agreement, constitutes the entire agreement between you and Iberia Finance regarding the Program.
15.2 Severability
If any provision is found unenforceable, the remaining provisions remain in effect.
15.3 Waiver
Our failure to enforce any right does not constitute a waiver of that right.
15.4 Assignment
You may not assign your rights under this Policy. We may assign our rights without restriction.
15.5 Governing Law
This Policy is governed by applicable laws. For EU affiliates, local consumer protection laws apply.
15.6 Language
This Policy is provided in English. Translations are for convenience only; the English version prevails.
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16. Contact Information
For all affiliate-related inquiries:
Email: [email protected]
Subject Line: “Affiliate Program Inquiry”
Support: Available 24/7
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17. Summary of Key Points
– You must apply and be approved to join the Program
– You must promote Iberia Finance ethically and legally
– You must disclose your affiliate relationship
– Commissions are earned on qualifying referrals
– We monitor compliance and may terminate for violations
– You must comply with GDPR and data protection laws
– We may modify or terminate the Program at any time
– Contact [email protected] for all inquiries
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Document Version: 1.0
Last Reviewed: January 1, 2026
Next Review: January 1, 2027
Iberia Finance
[email protected]
https://iberia-finance.com