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Affiliate Terms and Conditions

Affiliate applicants of MicroBusiness Solutions (which includes 855KnowNow, LLC and Tick Talk Technologies, LLC) agree to abide by the terms and conditions contained in this Agreement. Please read this entire Agreement carefully before submitting an application for consideration as an Affiliate.

Your participation in the MicroBusiness Solutions Affiliate Program entitles you to receive a Finder’s Commission on subscriptions, memberships, services, and/or products purchased by prospects who become MicroBusiness Solutions clients by making their first purchase via your Panorama Author Page, your content (or website) page, or via your unique referral link.

Your participation in the MicroBusiness Solutions Affiliate Customer Service and Support Program is to provide exemplary service to our website visitors and clients, for which you will receive a share of Service and Support Commissions and/or Finder’s Commissions based on your interactions. You will receive a Finder’s Commission for new accounts created by our website visitors, who become our clients, by making their first purchase following your service. All client accounts that you serve will have the ability to rate their client support experience with you and will retain easy access to your Service and Support Affiliate Page from their dashboard until they choose to dismiss the link.

By submitting your application for the MicroBusiness Solutions Affiliate Program, you indicate your acceptance of this Agreement and the attached Affiliate Privacy Policy, including all terms and conditions.

1. Approval or Rejection of the Affiliate Application

We operate a business-to-business service and reserve the right to approve or reject any Affiliate Application or Affiliate account or status for any reason, at our sole and absolute discretion. Once your application is received, it will be placed under review. If your application is accepted, your status will be changed from Applicant to Pending. Only after you’ve completed the Onboarding and Requirements for Payment will your status be updated to Affiliate. Please note that you will have no legal recourse for the rejection of your Affiliate Application or the termination of your Affiliate account and/or status.

2. Commissions

Commissions are paid electronically, each business day, after a Withholding Period. For an Affiliate to receive any commissions, they must first complete (and keep updated) the Onboarding and Requirements for Payment; the link will be provided to you, via email (or method designated by you), when your Affiliate Application status changes from Applicant to Pending. Once the Onboarding and Requirements for Payment have been completed, and your Application has been accepted, your status will be updated from Pending to Affiliate. The details to access your Affiliate Dashboard and unique affiliate link will be provided in our acceptance email.

There is a limit of one Finder Commission paid to an affiliate per Client. If a prospect clicks the link on your Author page, your content page, or via your unique referral link, and they order one or multiple products or hosting packages, then you will receive the Finder Commissions generated by that account for as long as it is active. If that Client makes multiple purchases, now or during the life of their account, that Affiliate will receive the Finder’s Commission. In the event that the new customer was a Client in the past, the Finder’s Commission is paid to the original Affiliate.

Commissions for Service and Support Affiliates are as follows: (1) Service and Support Commissions are calculated based on a percentage of the client’s account total successful monthly payments for the month serviced, which is then divided equally by the number of Service and Support Agents that served this client during that period (for clients who pay annually, the annual payment for that product is divided by 12, and then divided by the number of Service and Support Affiliates). (2) In cases when the client had received service in a past subscription month, but not serviced during the entirety of the last subscription month, the last Service and Support Affiliate that offered service will receive the entire Service and Support Commission (divided by one). That Service and Support Agent will receive the full Service and Support Commission each month until another Service and Support Agent assists the client, in which case only the Service and Support Agents assisting will receive commission. (3) When you, as a Service and Support Agent provide service to our website visitor, who is not yet a client of ours, and they make a purchase from a link you provided, or from your content page, you will also receive a Finder’s Commission for this client, including future purchases made by this client’s account, in addition to the percentage of the Service and Support Commission earned.

Affiliate earnings will only be paid for transactions that have been sucessfully completed and have satisfied the withholding requirement. All transactions that result in chargebacks or refunds will not be paid out; if any chargeback or refunded transaction has already been paid to you, it will be deducted from your next commission payment.

MicroBusiness Solutions Affiliate Program Commission Structure:

• • We offer three affiliate programs:

Finder’s Commission: 10%

• Paid to the Affiliate referring the new client account. The Finder’s Commission is paid following the client’s successful payment and on the first business day that follows the withholding period.

Downline Commission: 5%

• Paid to the Affiliate who refers a new Affiliate. Referring Affiliates earn 50% of the Finder’s Commissions earned by that new Affiliates who signed up under them. Downline Commission is 5% of the cost of the product or service following the client’s successful payment and is paid on the first business day following the withholding period.

Service and Support Commission: 5% (divided by the number of servicing agents)

• Once your application status has been updated to Affiliate, a button to apply as a Service and Support Affiliate will appear on your Affiliate Dashboard.
• Service and Support Commissions are paid after the withholding period following the account holder’s successful monthly payment.
• The Service and Support Commission will only be paid to the approved Service and Support Affiliate(s) using theproduct provided by Tick Talk Technologies specifically for use by Service and Support Affiliates to provide our clients support, sales, and customer care services.
• Payments for Service Affiliates shall be as follows: all Service and Support Affiliates in good standing, that have provided service using theproduct provided by Tick Talk Technologies, specifically designed for our Support and Service Affiliates will split the Service and Support Commission (5% of that client’s successful monthly (term) payment of their subscription) equally. If there are no service requests in any given term, but a client requested assistance in the past, the last Service and Support Affiliate who assisted that account’s product will receive the full Service and Support Commission for that client’s successful term payment.

Affiliates Using MicroBusiness Hosting services are paid for by the Affiliate and cannot be deducted from any monies due to the affiliate. Please Note: Affiliate Accounts with hosting (and/or other products and services) like all client accounts, must be in good standing and remain in good standing for the privilege of servicing our clients/visitors and to receive Service and Support Commissions. 

3. Termination

Your affiliate application and/or status in any of our Affiliate Programs may be suspended or terminated for any of the following reasons:

• Affiliates that use misleading hyperlinks, make false claims, engage in inappropriate advertisements, and/or spam, including mass emails, mass messages, mass newsgroup postings, inappropriate comment posting, etc.
• Any form of advertising on sites containing or promoting illegal or unethical activities.
• Failure to disclose the affiliate relationship for any promotion which qualifies as an endorsement under existing Federal Trade Commission guidelines and regulations or any applicable state and/or federal laws.
• Violation of intellectual property rights. You may not employ any trademarks, logos or use any intellectual property rights belonging to MicroBusiness Solutions, 855KnowNow, Tick Talk Technologies, its trademarks, and/or subsidiaries.
• Fraudulent referrals, transactions, illegal or inappropriate activity of any type. In addition to the foregoing, MicroBusiness Solutions reserves the right to suspend or terminate any Affiliate account at any time, and for any reason, including violations of this Agreement.
• Affiliates may not use misleading language or images in any way or form, including links, buttons or images, etc.
• Affiliates (including client accounts) with more than one account and if this happens, we may consolidate the two accounts, or make a decision to close one of the accounts (at our discretion), or we may choose to terminate all of the accounts, use of products, hosting, affiliate status, etc. Please note that you will have no legal recourse for the termination of your client or affiliate accounts and/or status. If you notice duplicate accounts, please let us know immediately so that together, we may remedy the situation.
• Your provided affiliate links may not make use of pop-ups, pop-unders, iframes, frames, or any other seen or unseen actions, and they must not be altered.

Suspension occurs either immediately (or in some cases earlier, for example the Date of Suspension may be backtracked to the Date of Offense). Suspended Affiliates will not receive commission payments starting from the Date of Suspension, while we investigate, until a decision is made by MicroBusiness Solutions. If we decide in favor of the Affiliate, the account will be reinstated, and any commissions that would have been paid out during our investigation will be paid to the Affiliate; however, terminated affiliates forfeit all commissions from the date of suspension and may not reinstate the affiliate account, nor reapply for another Affiliate account at any time, now, or in the future.

4. Affiliate Links

Upon acceptance into our Affiliate Program, you will be given a unique Affiliate Link which assures you receive credit for sales and Downline Affiliates. It is acceptable to use appropriate graphic and/or text links; you could use the graphics and text ads provided by us, or may create your own, as long as they are deemed appropriate and pose no violations according to our terms and conditions. You may also advertise your Author Page and blog posts that appear on the 855KnowNow website, online and offline.

5. Coupons

We may offer new-product/service coupons to select Clients, which will benefit our Service and Support Affiliates who assist in helping our clients understand the new product/service; if our Client chooses to purchase, the Service and Support Affiliate will earn a one-time fee (disclosed on Affiliate Service and Support Dashboard when the new product or service coupon is released). Service and Support Affiliates will also earn all (or a portion) of the Service and Support Commission. Affiliates receiving a Finder’s Commission for our Clients who upgrade to the new product/service will be notified of the sale and will see an increase in their Finder’s Commissions.

Occasionally coupons and incentives will be offered to the public, our newsletter subscribers, and 855KnowNow blog readers. These incentives offer new earning opportunities for all of our Affiliates to increase their Finder’s Commissions. You must be pre-approved and assigned the coupon to receive the commission from the sale resulting from that coupon.

6. Liability

MicroBusiness Solutions, 855KnowNow, and Tick Talk Technologies, its trademarks, and subsidiaries will not be liable for indirect or accidental damages (loss of revenue, commissions) due to affiliate tracking failures, loss of database files, or any results of intent of harm to the affiliate program and/or to our website(s).

We do not express or imply warranties concerning the affiliate program and/or the memberships or products. We do not claim that the operation of the program and/or our website(s) will be error-free, and we will not be liable for any interruptions or errors.

7. Term of the Agreement

The term of this Agreement begins upon submission of your application which constitutes your acceptance into the MicroBusiness Solutions Affiliate Program. This Agreement will end when your Affiliate account is closed.

We may modify the terms and conditions of this agreement at any time. If any modification to the terms and conditions of this Agreement is unacceptable to you, your only choice is to terminate your Affiliate account. Your continuing participation in the Program will constitute your acceptance of any change.

8. Indemnification

Affiliate shall indemnify and hold harmless MicroBusiness Solutions, 855KnowNow, and TickTalk Technologies, its trademarks, affiliate and subsidiary companies, officers, directors, employees, licensees, successors, and assigns, including those licensed or authorized to transmit and distribute materials, from all liabilities, damages, fines, judgments, claims, costs, losses, and expenses (including reasonable legal fees and costs) arising out of or related to all claims sustained in connection with this Agreement due to the negligence, misrepresentation, failure to disclose, or intentional misconduct of Affiliate.

9. Governing Law, Jurisdiction, and Attorney Fees

This Agreement shall be governed by and construed in accordance with the laws of the United States and the State of New Hampshire. Any dispute arising under or related in any way to this Agreement shall be adjudicated exclusively in the state courts located in Hillsborough County, New Hampshire.

In the event of litigation to enforce any provision of this Agreement, the prevailing party will be entitled to recover from the other party its costs and fees, including reasonable legal fees.

10. Electronic Signatures

This Agreement is an electronic contract that sets out the legally binding terms of your participation in the MicroBusiness Solutions Affiliate Program. You indicate your acceptance of this Agreement and all of the terms and conditions contained or referenced in this Agreement by completing the application process. This action creates an electronic signature that has the same legal force and effect as a handwritten signature.

Affiliate Privacy Policy

We respect and value your privacy. This Privacy Policy describes the information we collect from you when you visit and/or submit an affiliate application from the MicroBusiness Solutions Website (“Website”), how we use that information, and under what circumstances we disclose it. This policy will also give you more information about managing the personal information you provide to us. This Privacy Policy should be read in conjunction with the Affiliate Terms and Conditions.

‍1. Applicability

While our Website, including our Partner with Us page, is available to and can be found by anyone with internet access, use of our affiliate products and services, our Service and Support Affiliate Program Tools are intended to be accessed and used by affiliate and influencer businesses, including sole-proprietorships, that have received prior approval to create an Affiliate account on the MicroBusiness Solutions Affiliate Website. We hereby disclaim any representations and/or warranties made in this Privacy Policy that such policy satisfies users’ requirements for accessing and using the Website from outside the United States.

‍2. Information We Collect

When you use the Website, we may receive and collect certain information. The information that we may receive and collect depends on what you do when you visit our Website.

• ‍Automatically Collected Information. Some information is automatically received and sometimes collected from you when you visit our Website. This information may include some or all of the following items: the name of the domain and host from which you access the Internet, including the Internet Protocol (IP) address of the computer you are using and the IP address of your Internet Service Provider; the type and version of Internet browser software you use and your operating system; the date and time you access our site, the length of your stay and the specific pages, images, video or forms that you access while visiting the site; the Internet address of the website from which you linked directly to our Website, and if applicable, the search engine that referred you and any search strings or phrases that you entered into the search engine to find this site; and demographic information concerning the country of origin of your computer and the language(s) used by it. We use this information to monitor our website’s usage, assess its performance, ensure technological compatibility with your computer, and understand the relative importance of the information provided on our Website. We may also use this data to conduct statistical analyses on visitors’ usage patterns and other aggregated data.
• Information Collected via Cookies. “Cookies” are small files or records that are placed on your computer’s hard drive to distinguish you from other visitors to our Website. Cookies are a standard practice among websites to collect or track your activities while using our Website. ‍A cookie may enable the website owner to track how a visitor navigates through the Website and the areas in which they show interest. This is similar to a traffic report: it tracks trends and behaviors but does not identify individuals. Information gathered may include the date and time of visits, pages viewed, time spent at the site, and the website visited before and after visiting our Website. Cookies can be set to expire: (1) on a specified date; (2) after a specific period of time; (3) when a transaction has been completed; or (4) when a user turns off their Internet browser. A cookie erased from memory when a visitor’s Internet browser closes called a “session” cookie. Cookies that expire based on a time set by the Web server are called “persistent” cookies. Our Website may use both “session cookies” and “permanent cookies.” Some visitors may not know that cookies are being placed on their computers when they visit our Website or when visiting most websites because browsers are typically set to accept cookies. You can choose to have your browser warn you every time a cookie is being sent to you, or you can turn off cookie placements. If you refuse cookies, there may be parts of our Website that may not function properly.
• ‍Information You May Submit Through Our Website. “User Information” is information that could personally identify you, for example, your name, address, phone number, e-mail address, and credit card or bank information. You can browse the website and take as much time as you want to review our Affiliate Program without submitting User Information. In the following instances, however, we do need you to actively submit User Information when: (1) you want to contact us via electronic means or website submission; (2) you submit an Affiliate application; (3) you utilize online ordering; or (4) you sign-up for any of our newsletters, books, loyalty programs, websites or you enter a contest or sweepstakes.  Please note that e-mail or other forms of electronic communication, including website submission, are not secure and/or confidential means of communication.

‍3. Security

We strive to maintain internal controls and procedures to ensure that the User Information you have chosen to share with us is handled safely, securely, and responsibly. We have security measures to help protect against the loss, unauthorized access, and alteration of the information in our control. We will only disclose such information to employees and authorized service providers who require such information for the purposes described in this Policy. Our databases are protected by physical, technical, and procedural measures that restrict access to authorized persons, in accordance with this Policy; however, no data transmission over the Internet can be guaranteed 100% secure, and therefore, we cannot ensure against any loss, misuse, unauthorized disclosure, alteration, or destruction of data.

‍4. Personal Information About Minors

Our Affiliate Program Website is for use by sole-proprietors/business owners, at least 18 years old, at the time of Affiliate Application submission. We do not currently market to, nor do we create special areas in our Affiliate Program for use by children, nor anyone under the age of 18-years old. Accordingly, we do not knowingly collect age-identifying information from minors, nor do we knowingly collect any personal information from children under the age of 18 years. However, we hereby advise all visitors to any of our sites under the age of 18 not to disclose or provide any personally identifiable information and to always have a responsible parent or guardian supervision when on the internet and our Websites.

‍5. E-Mail Communications

When you send an email to us or provide your email address to us, you communicate with us electronically, and you consent to receive communication from us electronically. We may retain the content of the email, your email address, and our response to service your needs. We may use the data that you provide to send you emails or correspondence via other means.

‍6. How We Use and Share User Information

Our view regarding User Information is transparency. We do not rent or sell your personal or User Information (collectively, “User Information”). We may use the information you have chosen to submit to better assist you and send special offers that may interest you. We do this by general marketing communications for our services, including by regular mail and e-mail (collectively, “Affiliate” or “Marketing Communications”). Unless you “opt-out” through opportunities available to you through our Affiliate or Marketing Communications, we may send you both, Affiliate and Marketing Communications. You may also “opt-out” of future Affiliate or Marketing Communications by following the instructions provided in this Privacy Policy under the “Access to and Managing Your Information” section of this Privacy Policy. Except where we otherwise obtain your express permission, we share your information with third parties only under the limited circumstances stated. Shared Information is subject to disclosure in response to judicial or other governmental subpoenas, warrants, and court orders served on us in accordance with their terms, as otherwise required by applicable law, or in response to requests by law enforcement; Information is subject to disclosure to protect our rights or property, protect its legitimate business interests, to enforce the provisions of our Privacy Policy and Terms of Use, and/or to prevent harm to you or others; shared Information may be disclosed to carefully selected third-party service providers to provide services to you, such as to complete orders; provide customer service; send notifications, regular mail, or email Marketing Communications; maintain our customer loyalty program and database and other programs; monitor the activity of our Affiliates; Website visitors; conduct surveys; administer contests or sweepstakes. We will share your information with our carefully selected third-party services providers on a confidential basis. These service providers are prohibited from using your information for any purpose other than providing our services. Information may be disclosed to process credit card transactions and deposit monies earned from participation in the affiliate program. In this case, these transactions are handled by established third-party banking, processing agents, and distribution institutions. They receive the information needed to verify and authorize your credit card or other payment information and process your order or payment. In addition, we may disclose Information to third parties to verify the authenticity of any financial transaction involving our company or its subsidiaries.

‍7. Linking to Third-Party Website

When you click on our website links that take you to third-party websites, you will be subject to third-party privacy policies. While we support the protection of privacy on the Internet, we cannot be responsible for the actions of any third-party websites. We encourage you to read the posted privacy policies of every website you visit, whether you are linking from our Websites or browsing on your own.

‍8. Access to and Managing Your Information

We believe it is important for you to be able to: (1) see the Information you have provided to us through our Website; (2) update your Information; and (3) “opt-out” of receiving future Affiliate and/or Marketing Communications. You may update current contact information from your Affiliate Dashboard or by using our Contact page; please be sure to include your full name, address, phone number, and e-mail address. Please also indicate the specific nature of your request. If you are an approved Affiliate, please also include your Affiliate ID. When contacting us to “opt-in” or “opt-out” of receiving Affiliate and/or Marketing Communications, please specify what types of communication (e.g., e-mail, direct mail, or notifications) you wish to receive or stop receiving. This will ensure that you are correctly identified in our system and that your request may be accurately processed. We will take appropriate steps to implement your request, but due to production, mailing, and system timelines, it may take up to 10-business days for e-mails and 30-calendar days for regular mail. Until that change takes effect, you may still receive (or not receive) Affiliate and/or Marketing Communications from us. Please also note that you may still receive business-related communications, although you may have “opted out” of receiving Affiliate and/or Marketing Communications. Please be aware that “opting-out” of certain third-party use may prevent us from providing certain services that you request.

‍9. What You Need to Do to Protect Your Information

You have options when deciding how you can best protect your Personal Information when online. One option is not to volunteer it. As stated above, this approach would allow you to still visit our websites; however, it will prevent you, for example, from ordering online, applying to the Affiliate Program, creating an account, receive our newsletters and magazine, and commenting or asking questions relating to our products and services.

‍10. Suspected Violations of This Privacy Statement

If at any time you believe we have not adhered to the policies and principles outlined in this Privacy Statement, please notify us using our Contact page. We will make every reasonable effort to investigate and respond to your concerns promptly.

‍11. Changes to Privacy Policies

Our Privacy Policy is subject to change from time to time, so we suggest that you review the current Privacy Policy at the start of each visit to our Websites. Unless we clearly express otherwise, we will use Information in accordance with the Privacy Policy under which the Information was collected. YOU ARE HEREBY ADVISED THAT YOUR CONTINUED USE OF OUR WEBSITES CONSTITUTES YOUR ACCEPTANCE OF ANY AMENDMENTS TO AND THE MOST RECENT VERSION OF THIS PRIVACY STATEMENT AND THE WEBSITE’S TERMS OF USE.

12.Questions or Comments

If you have any questions or comments concerning our Privacy Policy, please don’t hesitate to contact us.