This Affiliate Agreement (the "Agreement") sets out the terms under which you ("Affiliate", "you", or "your") may participate in the Craig Todd Affiliate Programme (the "Programme") operated by Craig Todd of the United Kingdom ("we", "us", or "our"). By submitting an affiliate application, accessing the affiliate dashboard, or sending any traffic that may generate a commission, you confirm that you have read, understood, and accepted this Agreement in full.

Because this Agreement is a business-to-business contract between two independent commercial parties, the consumer-protection rules of the Consumer Rights Act 2015 and the Consumer Contracts Regulations 2013 do not apply.

1. Eligibility

1.1 You may participate in the Programme only if you are: (a) at least 18 years old; (b) acting in the course of a business or trade; (c) legally capable of entering into a binding contract under the laws of your country of residence; and (d) not on any UK, EU, UN, or US sanctions list.

1.2 Approval into the Programme is granted at our sole and absolute discretion. We may refuse, postpone, or revoke approval at any time, for any reason, with or without explanation. You expressly waive any right to a reasoned decision and any right of appeal.

1.3 You acknowledge that no participation in the Programme creates an employment relationship, partnership, joint venture, agency, or franchise between us. You are an independent contractor responsible for your own taxes, expenses, insurance, and regulatory compliance.

2. How Tracking Works

2.1 We attribute referrals via a server-side session identifier set when a visitor clicks your unique affiliate link. The session persists for ninety (90) days from the click, subject to the customer's browser, device, and cookie state.

2.2 The session identifier is opaque and contains no personal data. Attribution is logged server-side on our infrastructure. We are the sole source of truth for what counts as a valid referral. Our records are conclusive.

2.3 We do not guarantee that every click will be tracked. Tracking may fail due to factors entirely outside our control, including but not limited to: ad blockers, privacy tools, browser settings, the customer clearing their cookies, the customer using a different device or browser to complete checkout, the customer arriving via a different referral source, or technical errors. We accept no liability for missed attribution.

3. Commissions

3.1 Commission rate. The commission rate applicable to each product is published in your affiliate dashboard and may be updated by us at any time with effect for future qualifying purchases. The rate in force at the moment a qualifying purchase clears is the rate that applies to that purchase.

3.2 Qualifying purchase. A qualifying purchase is one where (a) the customer arrived via a valid, attributable click on your affiliate link, (b) the customer is not you or a person, account, or entity controlled by, related to, or in the same household as you, (c) the customer's payment has cleared and is not subject to any pending dispute, (d) the applicable refund window has expired without a refund being requested, and (e) you are in good standing under this Agreement at the time of payout.

3.3 Hold period. All commissions are held for a minimum of sixty (60) days from the date of the customer purchase before becoming eligible for payout. During this period, the commission is provisional only and may be cancelled, reduced, or reversed at our sole discretion if any condition in clause 3.2 ceases to be met.

3.4 Payment schedule. Eligible commissions are paid on a monthly cycle, in arrears, no later than the end of the calendar month following the month in which the hold period expired. We may suspend or postpone any payout if your affiliate-account details are incomplete, your KYC/identity verification is unresolved, or there is any reasonable suspicion of fraud or breach of this Agreement.

3.5 Minimum payout threshold. Commissions become payable only once your accrued, eligible balance equals or exceeds £50 (or the local currency equivalent). Balances below this threshold roll over month to month until the threshold is met.

3.6 Payment method. Commissions are paid by the method shown on file in your affiliate dashboard (currently bank transfer or PayPal at our discretion). You are solely responsible for keeping your payment details current. We accept no liability for payments sent to outdated or incorrect details you provided.

3.7 No commission on the following:

• refunded, partially refunded, charged-back, reversed, disputed, or fraudulent transactions;
• transactions where the customer requested a refund within the applicable window (regardless of whether we ultimately granted it);
• self-referrals or referrals from accounts, email addresses, IP ranges, or households materially linked to you;
• referrals generated through prohibited promotional methods (see clause 5);
• transactions where the customer originally arrived via a different valid referral source whose attribution we determine takes priority;
• transactions where the customer used a coupon, discount, or store-credit that materially reduces or eliminates the commissionable amount, in which case commission is calculated on the net amount actually paid;
• any transaction where, in our sole opinion, payment of commission would be inappropriate.

3.8 Clawback. If a commission has been paid out and the underlying purchase is later refunded, charged back, or reversed, or if we subsequently discover that the commission was not properly earned, the amount paid will be clawed back by deduction from your next payout, or, if no future payout is available, will become an immediate debt due to us and recoverable as such, including all reasonable recovery costs.

3.9 No entitlement until paid. Until commissions are actually received in your designated payment account, they remain revocable, contingent, and unsecured. You acquire no proprietary or beneficial interest in any commission until that point.

4. Tax and Regulatory Compliance

4.1 You are solely responsible for declaring all commissions received from us as income to HM Revenue and Customs (HMRC) or the equivalent authority in your jurisdiction, and for paying any income tax, National Insurance, VAT, or other taxes due on those commissions.

4.2 Where you are required to register for VAT (or the equivalent), you must provide us with a valid VAT registration number and issue invoices in the correct form. Until you do so, we will pay commissions exclusive of VAT and treat them as outside the scope of UK VAT (reverse charge or non-business as applicable).

4.3 If we are required by law or by HMRC to withhold any amount from your commissions (for example, under the digital platform reporting rules), we will do so, and the net amount paid to you will be reduced accordingly. We are not liable for any tax consequence to you arising from such withholding.

4.4 If, when promoting our products, you collect, store, or process any personal data of your audience (for example, by capturing email addresses on a landing page that you operate), you become an independent data controller of that personal data and must comply with the UK GDPR, EU GDPR, the Privacy and Electronic Communications Regulations (PECR), and all other applicable data-protection laws. You will not pass any such personal data to us except where expressly permitted by this Agreement.

5. Permitted and Prohibited Promotional Methods

5.1 Permitted methods. Subject to the restrictions below, you may promote our products using: (a) original content on websites, blogs, or social-media accounts that you own or have express permission to use; (b) text links, banners, and creative assets provided by us in the affiliate dashboard; (c) opted-in email lists where every subscriber has provided lawful, evidenced consent under PECR / UK GDPR and where every email contains a working unsubscribe link.

5.2 Mandatory disclosure. Every piece of promotional content you publish referring to us, our brand, or any of our products must contain a clear, conspicuous, and timely disclosure of the affiliate relationship, in accordance with the Competition and Markets Authority's online-endorsement guidance, the Advertising Standards Authority's CAP Code, and (where applicable) the United States Federal Trade Commission's Endorsement Guides. Acceptable disclosures include "ad", "affiliate", "[ad]", "#affiliate", or a sentence such as "This page contains affiliate links and I may earn a commission if you buy through them." The disclosure must be visible before the consumer clicks the link, not buried at the bottom of the page.

5.3 Strictly prohibited. You may not, directly or indirectly:

• send unsolicited email, SMS, push notifications, or other communications that breach PECR, CAN-SPAM, GDPR, or any equivalent law;
• post our affiliate links in comments, forums, social-media replies, or any other location where doing so is contrary to that platform's terms of service or constitutes spam;
• bid on, register, or otherwise use any keyword, domain, social-media handle, hashtag, or trademark consisting of or confusingly similar to "Craig Todd", "craigtodd", "craigtodd.com", "CT Market", "CT Pulse", "CT Blast", "CT Sentry", "CT Theme", "CT Folder", "CT Support", "CT GO", or any other mark we own or control, in any paid-search or paid-social campaign on any platform, including but not limited to Google, Bing, Meta, X, TikTok, LinkedIn, Reddit, YouTube, Pinterest, Yahoo, DuckDuckGo, or any display, native-ad, or remarketing network — except where we have given explicit, prior, written consent;
• direct-link any paid advertisement to our website or to our checkout pages;
• use cloaked, masked, deceptive, or auto-redirecting URLs;
• run any form of cookie-stuffing, forced-click, popup-injection, iframe-embedded affiliate-link, browser-extension affiliate-link insertion, or any technical mechanism that drops an attribution session without the user knowingly clicking a visible link;
• offer cashback, rebates, discounts, points, donations, gifts, or any other inducement to your audience contingent on their purchase, unless we have approved that exact offer in writing in advance;
• imply, represent, or publish any unauthorised coupon, discount code, "secret" deal, "VIP" pricing, or pre-launch access that we have not officially offered;
• claim, suggest, or imply any specific income, earning, revenue, profit, rank, or business-growth outcome from purchasing our products that is not supported by our own published marketing materials;
• impersonate us, our staff, our brands, or any of our customers; create lookalike domains, lookalike social-media handles, or fake review accounts;
• publish, mirror, or republish our copyrighted content (course material, software code, downloads, written guides, video, audio) in whole or in any substantial part;
• promote our products on any website or channel that (a) is illegal in the jurisdiction it targets, (b) features sexually explicit, hateful, extremist, violent, defamatory, or otherwise objectionable content, (c) infringes any third-party intellectual-property right, or (d) we have notified you is unsuitable;
• engage in any activity that brings, or is reasonably likely to bring, us or our brands into disrepute.

5.4 Breach of any provision in clause 5.3 is a material breach of this Agreement and may result in immediate termination, forfeiture of all unpaid commissions (paid and pending), clawback of past commissions earned through the breaching conduct, and legal action.

6. Intellectual Property and Brand Use

6.1 We grant you a limited, non-exclusive, non-transferable, revocable licence to use our trademarks, logos, product names, screenshots, and promotional creative only as supplied in the affiliate dashboard and only for the purpose of promoting our products in accordance with this Agreement.

6.2 You may not modify, alter, recolour, or distort any of our brand assets, nor combine them with any third-party brand in a way that suggests endorsement, partnership, or co-branding.

6.3 You acquire no ownership of any of our intellectual property by virtue of this Agreement. All goodwill arising from your use of our trademarks accrues exclusively to us. On termination, the licence in clause 6.1 ends immediately and you must remove all our brand assets from your channels within seven (7) days.

7. Confidentiality

7.1 You will treat as confidential, and will not disclose to any third party, any non-public information you receive in the course of the Programme, including but not limited to: commission rates, conversion data, dashboard analytics, customer email patterns, our marketing strategy, unreleased product information, and any other information that a reasonable person would treat as commercially sensitive.

7.2 The obligation in clause 7.1 survives termination of this Agreement indefinitely.

8. Non-Disparagement

You agree that you will not, directly or indirectly, make any public or private statement that is intended to or reasonably likely to harm our reputation, business, brand, or commercial interests, including disparaging comments about us, our staff, our products, or our customers. This clause does not prevent you from making truthful statements required by law or by a court of competent jurisdiction.

9. Audit Rights

We reserve the right, at any time and at our reasonable discretion, to audit your traffic sources, promotional methods, and disclosure practices for compliance with this Agreement. You agree to provide, within seven (7) days of a written request, reasonable supporting evidence including but not limited to traffic-source breakdowns, ad-platform invoices, screenshots of promotional content, and email-list opt-in records.

10. Termination

10.1 We may terminate this Agreement and your participation in the Programme at any time, for any reason or no reason, with immediate effect, and without any obligation to compensate you for loss of future commissions, marketing spend, or any other consequence of termination.

10.2 You may terminate this Agreement at any time by sending written notice to affiliates@craigtodd.com and removing all of our brand assets and affiliate links from your channels within seven (7) days.

10.3 On termination for breach by you:

• all unpaid commissions, whether or not the hold period has expired, are immediately forfeited;
• any commissions previously paid that were earned in connection with the breaching conduct may be clawed back under clause 3.8;
• the licence in clause 6 ends immediately;
• the obligations in clauses 4 (Tax), 7 (Confidentiality), 8 (Non-Disparagement), 11 (Limitation of Liability), 12 (Indemnification), and 14 (Governing Law) survive.

10.4 We may discontinue the Programme as a whole at any time, on thirty (30) days' notice (or, where the discontinuance is required by law or by a payment processor, immediately). Eligible commissions accrued before discontinuance will be paid in accordance with clause 3.4.

11. Limitation of Liability

11.1 Nothing in this Agreement limits or excludes any liability that cannot lawfully be limited or excluded, including liability for death or personal injury caused by our negligence and liability for fraud or fraudulent misrepresentation.

11.2 Subject to clause 11.1, and to the fullest extent permitted by law, we shall not be liable to you (whether in contract, tort, breach of statutory duty, or otherwise) for:

• any loss of profits, revenue, business opportunity, anticipated savings, goodwill, or reputation;
• any indirect, special, or consequential loss of any kind;
• any loss arising from tracking errors, attribution disputes, dashboard downtime, payment delays, platform outages, or any factor outside our reasonable control;
• any loss arising from suspension, modification, or termination of the Programme or of your participation in it;
• any tax consequence arising from your receipt of commissions.

11.3 Subject to clause 11.1, our total aggregate liability to you arising out of or in connection with this Agreement, in any rolling twelve-month period, shall be limited to the greater of: (a) the total commissions actually paid to you in the twelve months preceding the event giving rise to liability; or (b) one hundred pounds sterling (£100).

12. Indemnification

You agree to defend, indemnify, and hold us, our directors, employees, contractors, and agents fully harmless from and against any and all claims, losses, damages, liabilities, costs, expenses, and reasonable legal fees arising out of or in connection with: (a) your breach of this Agreement; (b) your promotional activities, including any content you publish, any email you send, and any disclosure you fail to make; (c) your breach of any law, regulation, or third-party right (including data-protection, intellectual-property, consumer-protection, and advertising-standards rules); (d) any tax liability claimed against us as a result of payments made to you; and (e) any claim by any third party that arose from your conduct in connection with the Programme.

This indemnity does not require us to mitigate, prove negligence on your part, or seek recovery from any other source first.

13. Modification

We reserve the right to modify, replace, or supplement this Agreement at any time, in our sole discretion, by posting the updated terms in the affiliate dashboard or on our website with a revised "Last updated" date. It is your responsibility to check for updates. Your continued participation in the Programme after any such update constitutes your unconditional acceptance of the revised Agreement. If you do not accept any updated term, your sole remedy is to terminate under clause 10.2.

14. Governing Law and Jurisdiction

This Agreement is governed by and construed in accordance with the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction to settle any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with this Agreement.

15. General

15.1 Entire agreement. This Agreement, together with any policy referenced herein, constitutes the entire agreement between you and us in relation to the Programme and supersedes all prior agreements, representations, and understandings.

15.2 Severability. If any provision of this Agreement is found by a court of competent jurisdiction to be unlawful, void, or unenforceable, that provision shall be severed and the remainder shall continue in full force.

15.3 No waiver. Our failure to enforce any provision is not a waiver of our right to do so subsequently.

15.4 Assignment. You may not assign, transfer, or sublicense this Agreement without our prior written consent. We may assign, transfer, or novate this Agreement at any time without your consent.

15.5 Notices. All notices to us must be sent to affiliates@craigtodd.com. Notices to you will be sent to the email address on file in your affiliate dashboard and will be deemed received twenty-four (24) hours after sending.

15.6 No third-party rights. Nothing in this Agreement is intended to confer any benefit on any person other than the parties under the Contracts (Rights of Third Parties) Act 1999.

15.7 Force majeure. We shall not be liable for any failure or delay in performance caused by any event beyond our reasonable control, including acts of God, war, riot, terrorism, government action, fire, flood, accident, strike, infrastructure failure, or supply-chain disruption.

15.8 No partnership. Nothing in this Agreement creates a partnership, joint venture, agency, or employment relationship between you and us.

15.9 Construction. Headings are for convenience only and do not affect interpretation. This Agreement shall not be construed against us by virtue of having drafted it.

16. Electronic Signature

By submitting an affiliate application, accessing your affiliate dashboard, or sending traffic through your affiliate link, you acknowledge and agree to be bound by this Agreement. This electronic action constitutes a legal signature with the same effect as a handwritten signature, in accordance with the Electronic Communications Act 2000 and the eIDAS Regulation (Regulation (EU) No 910/2014, as retained in UK law).

17. Contact

For any question relating to this Agreement, the Programme, your account, or payment, contact:

Email: affiliates@craigtodd.com

For general questions: support@craigtodd.com

Last updated: 18 May 2026