Affiliate Program Terms and Conditions

1. Introduction and Acceptance

1.1 These Terms and Conditions ("Agreement") govern participation in The Empowered Insiders Affiliate Program ("Program"), operated by Great Lakes Divorce Financial Solutions, LLC ("Company," "we," "us," or "our"), in connection with The Empowered Sisterhood, a paid membership community ("Membership"). Watch Her Thrive and The Empowered Sisterhood are brands operated by the Company.

1.2 How you accept. You agree to be bound by this Agreement when you do any of the following: register through the Company's affiliate signup page; submit the Advocate request form; check a box indicating your agreement; or refer any individual who enrolls in the Membership. If you do not agree to these terms, do not register for or participate in the Program.

1.3 This Agreement is a legally binding contract between you and the Company. Please read it carefully, including Section 8 (Choosing Your Track), Section 9 (Marketing and Disclosure Obligations), and Section 13 (Limitation of Liability).

2. Definitions

"Affiliate" means any participant in the Program, on either track, unless the context clearly refers only to the Insider Track.

"Affiliate Link" means the unique tracking URL assigned to you by the Company's platform for the purpose of tracking referrals.

"Advocate" means a participant enrolled under Section 8 who receives no compensation of any kind and instead shares an Advocate Code.

"Advocate Code" means a unique coupon code issued to an Advocate that provides a discount to the individual who redeems it, and which generates no Commission.

"Referred Member" means an individual who enrolls in the Membership using your Affiliate Link within the Company's then-current referral conversion window, and who is not disqualified under Section 6.

"Commission" means the compensation payable to you under Section 5 for each Referred Member.

"Membership Fee" means the recurring subscription amount actually collected by the Company from a Member for The Empowered Sisterhood, net of any discount applied, and exclusive of any one-time fees, taxes, or third-party processing charges.

"Materials" means the logos, copy, images, scripts, and other assets the Company makes available to you under Section 10.

3. Eligibility

3.1 Who may participate. The Program is open to current members of The Empowered Sisterhood and to individuals who work with or alongside women navigating major life or financial transitions. The Company does not sort participants by profession. Determining which track your own profession, licensure, and employer permit is your responsibility, as set out in Section 8.

3.2 General requirements. You must (a) be at least 18 years old; (b) reside in a jurisdiction where participation and payment of referral compensation is lawful; (c) hold any professional license required for your occupation in good standing, where applicable; and (d) confirm that no licensing board, employer policy, or code of professional conduct prohibits your participation in the track you select.

3.3 Registration is open, participation is not automatic. Registration through the affiliate signup page does not by itself confer approved status. The Company reviews registrations and may decline, suspend, or move any participant to the Advocate Track at its sole discretion, including where compensation appears impermissible for that participant or where the Company determines that participation would create a conflict with its own business or with the interests of Members.

3.4 No obligation to enroll. Participation in the Program does not require, and should not be represented as requiring, personal use of or enrollment in the Membership.

4. Nature of the Relationship

4.1 Independent contractor. You participate in the Program as an independent contractor, not as an employee, agent, partner, joint venturer, or franchisee of the Company. Nothing in this Agreement creates a fiduciary relationship between you and the Company or between you and any Referred Member on the Company's behalf.

4.2 No authority to bind. You have no authority to make representations, warranties, or commitments on behalf of the Company or The Empowered Sisterhood, to modify Membership pricing or terms, or to accept payment on the Company's behalf.

4.3 The Membership only. The Membership is financial education, coaching, and community. It is not individualized financial planning, investment advice, legal advice, or therapy, and you must not represent it as any of those. This Program covers the Membership and nothing else. You must not represent that you are referring any person to the Company's or any affiliated firm's investment advisory, wealth management, or financial planning services, and no Commission is payable in connection with any such relationship.

4.4 Taxes. You are solely responsible for all tax obligations arising from Commissions paid to you. The Company will issue an IRS Form 1099-NEC (or successor form) to U.S. Affiliates who earn $600 or more in a calendar year, and requires a completed Form W-9 (or, for non-U.S. Affiliates, the applicable Form W-8) prior to any payment.

5. Commission Structure and Payment

5.1 Commission rate. For each Referred Member, the Company will pay you a Commission equal to twenty-five percent (25%) of the Membership Fee actually collected from that Referred Member, for each billing period during which the Membership remains active and in good standing, subject to Sections 5.4, 6, and 7. Commission is calculated as a percentage of the amount collected, not as a fixed sum, so a Membership sold at a promotional or discounted rate produces a proportionally smaller Commission.

5.2 No commission on other revenue. No Commission is payable on one-time products, live events, done-for-you services, third-party products, investment advisory or wealth management relationships, or any offering other than the recurring Membership Fee, unless separately agreed in writing.

5.3 Commission status and holding period. Each Commission is recorded when the underlying payment is collected and is held for thirty (30) days before becoming payable. During that period the Company may cancel a Commission that is subject to a refund, chargeback, payment reversal, or disqualification under Section 6.

5.4 Payment method and schedule. Commissions that have become payable are paid monthly by PayPal. You must maintain a valid PayPal account and provide the associated email address. The Company is not responsible for payments that fail or are misdirected because of an incorrect or inactive PayPal address.

5.5 Adjustments, refunds, and chargebacks. If a Referred Member cancels within any Company-offered refund period, requests a chargeback, or has a payment reversed for any reason after a Commission has been paid, the corresponding amount may be deducted from your current or future payouts. If deductions exceed your current balance, the Company may invoice you for the difference or net it against future Commissions.

5.6 No advance, minimum, or promise of income. Commissions are earned only upon the Company's actual, non-reversed receipt of a Membership Fee. This Program promises no minimum income, and past earnings, yours or anyone else's, are not a prediction of future results.

6. Qualifying Referrals

6.1 Valid attribution required. A referral qualifies for Commission only if the new Member's enrollment is attributed to your Affiliate Link by the Company's platform at the time of purchase, within the then-current referral conversion window. The Company is not responsible for lost attribution due to cleared cookies, ad blockers, competing affiliate links, a different browser or device, or delayed self-reporting.

6.2 Exclusions. The following do not qualify for Commission, regardless of attribution: your own enrollment, or enrollment by your spouse, domestic partner, or household member; enrollments obtained through prohibited conduct under Section 9; enrollments by individuals currently enrolled, or enrolled in the Membership within the preceding 12 months; enrollments generated through paid search bidding on the Company's brand or trademark terms, unless separately authorized in writing; and enrollments attributed to an Advocate Code.

6.3 Company determination. The Company will make good-faith determinations of attribution and qualification. In the event of a documented tracking error attributable to the Company, the Company will make commercially reasonable efforts to correct the Commission.

7. Term, Suspension, and Termination

7.1 Term. This Agreement begins on the date of your registration and continues until terminated as provided below.

7.2 Termination for convenience. Either party may terminate participation at any time, for any or no reason, upon written notice. Email is sufficient.

7.3 Termination for cause. The Company may suspend or terminate your participation immediately, and withhold or reclaim unpaid Commissions, if you breach this Agreement, violate applicable law, misrepresent the Membership or the Company, engage in conduct prohibited under Section 9, or if your professional license is suspended, revoked, or subject to disciplinary action.

7.4 Effect of termination. Upon termination, your Affiliate Link is deactivated, your license to use the Materials under Section 10 ends, and you must cease all promotion of the Program. Commissions properly earned on active, non-reversed Memberships prior to the termination date will be paid on the normal schedule, unless termination is for cause related to fraud or misrepresentation, in which case the Company may withhold Commissions associated with the conduct at issue.

7.5 Surviving provisions. Sections 4.3, 4.4, 8, 9, 11, 12, 13, 14, and 16 survive termination.

8. Choosing Your Track

8.1 You select your own track. The Program offers two tracks. The Insider Track pays a Commission. The Advocate Track pays nothing and instead issues you an Advocate Code that provides a discount to the individual who redeems it. The Company does not assign tracks by profession. You select the track that your own profession, licensure, employer policy, and code of professional conduct permit.

8.2 When you must select the Advocate Track. If anything governing your work restricts or prohibits you from receiving compensation in exchange for a client, patient, or customer referral, you must not register for the Insider Track. Select the Advocate Track instead. Anyone may select the Advocate Track for any reason, including simple preference.

8.3 The Advocate Track. An Advocate receives no Commission, payment, gift, discount on the Membership, or other thing of value from the Company in connection with any referral. No Commission is created, recorded, or held in an Advocate's name at any time.

8.4 Advocate Codes. The Company sets the discount amount and the number of billing periods each Advocate Code applies to, and may change or discontinue a Code at any time on notice to you. An Advocate Code is issued to you personally, is not transferable, and may be deactivated if you stop participating in the Program. You must not sell, auction, or trade an Advocate Code, or post it to a coupon aggregator or deal site.

8.5 Reclassification. If the Company determines that a participant has selected a track that appears inconsistent with their obligations, or that their participation on the Insider Track would create a conflict, the Company may move that participant to the Advocate Track and cancel any Commission recorded in their name, whether or not that Commission has become payable.

8.6 Your own obligation. The Company does not and cannot determine what your licensing board, employer, regulator, or code of conduct permits, and does not attempt to. Confirming your eligibility to participate, in either track, is your responsibility and yours alone. Nothing the Company provides to you, on its website or otherwise, is legal, tax, or compliance advice.

9. Marketing and Disclosure Obligations

9.1 Required disclosure. Whenever you promote the Membership publicly, including on social media, in a blog post, in a video, to an email list, or in any other channel, you must clearly and conspicuously disclose that you receive compensation if someone enrolls through your Affiliate Link. The disclosure must appear in the communication itself, not solely in a profile bio, a hashtag, or behind a link, consistent with FTC endorsement guidelines.

9.2 Accuracy. You must describe the Membership accurately and must not make promises about financial outcomes, investment results, income, or results of any kind on the Company's behalf.

9.3 Prohibited conduct. You must not: use spam or unsolicited bulk email; bid on the Company's brand or trademark terms in paid search without written authorization; create websites, social accounts, or content that impersonates or could be mistaken for the Company; offer unauthorized rebates or incentives for enrolling through your link; make disparaging statements about the Company; or present the Membership as individualized financial, legal, or clinical advice.

9.4 Advocates. An Advocate must not represent that they receive compensation, and must not solicit any payment in exchange for sharing an Advocate Code.

10. Materials and License

10.1 The Company grants you a limited, non-exclusive, non-transferable, revocable license to use the Materials solely to promote the Membership during your participation in the Program, in the form provided and without modification to logos or marks.

10.2 All intellectual property in the Materials, the Membership, and the Company's brands remains the Company's property. Nothing in this Agreement transfers ownership.

11. Confidentiality

You may receive non-public information about the Membership, its members, its pricing, or the Program. You must keep that information confidential and use it only to perform under this Agreement. You must not disclose the identity of any Referred Member, or any information about her, to any third party.

12. Privacy and Data

You must comply with applicable privacy and anti-spam law in everything you do under this Agreement, including CAN-SPAM and any state privacy law that applies to you. You must not collect personal information on the Company's behalf or represent that you are doing so.

13. Disclaimers and Limitation of Liability

13.1 The Program and the Materials are provided "as is." The Company disclaims all warranties to the fullest extent permitted by law.

13.2 To the fullest extent permitted by law, the Company's total liability arising out of or relating to this Agreement will not exceed the total Commissions paid to you in the twelve months preceding the event giving rise to the claim. The Company is not liable for indirect, incidental, consequential, special, or punitive damages, or for lost profits.

14. Indemnification

You will indemnify and hold harmless the Company and its officers, employees, and contractors from any claim, loss, or expense, including reasonable attorney fees, arising from your breach of this Agreement, your violation of applicable law or professional obligation, or any statement you make about the Membership that the Company did not authorize.

15. Changes to the Program

15.1 The Company may modify this Agreement, the Commission rate, the referral conversion window, the payout schedule, or any other term of the Program at any time. Material changes will be communicated by email to the address on your account and take effect on the date stated in that notice. Continued participation after the effective date constitutes acceptance. Changes do not apply retroactively to Commissions already earned.

15.2 If the Membership or the Program ends. The Company may discontinue the Membership or the Program at any time. If it does, Commissions properly earned on payments collected before the discontinuation date will still be paid on the normal schedule, and no further Commissions accrue after that date.

16. General

16.1 Governing law. This Agreement is governed by the laws of the State of Ohio, without regard to its conflict of laws rules.

16.2 Dispute resolution. If a dispute arises out of or relating to this Agreement, the parties will first try to resolve it through good-faith discussion. If that does not resolve the dispute within thirty (30) days, the parties will submit it to mediation before a mutually agreed mediator in Cuyahoga County, Ohio. The parties will share the mediator's fees equally, and each party bears its own other costs. Neither party may commence litigation over a dispute covered by this Section until mediation has concluded or the other party has declined to participate. If mediation does not resolve the dispute, either party may bring an action in the state or federal courts located in Cuyahoga County, Ohio, and both parties consent to the jurisdiction of those courts. Nothing in this Section prevents either party from seeking injunctive relief in court at any time to protect intellectual property or confidential information.

16.3 Assignment. You may not assign this Agreement without the Company's written consent. The Company may assign it freely.

16.4 Severability. If any provision is held unenforceable, the remainder stays in effect.

16.5 Entire agreement. This Agreement, together with the Program materials referenced in it, is the entire agreement between you and the Company regarding the Program.

16.6 Notices and contact. Notices to the Company go to hello@greatlakesdfs.com. Notices to you go to the email address on your Program account, and it is your responsibility to keep that address current. Questions about this Agreement go to the same address.

This document does not constitute legal, tax, or compliance advice to you. Rules governing referral compensation vary by state, licensing board, employer, and individual circumstance. Confirm your participation with your own licensing board, compliance department, or counsel before joining The Empowered Insiders in any capacity.