Iberlux Affiliate Program Agreement

Effective Date: 2026-04-30 Last Updated: 2026-04-30 Version: 2.0 Governing Document: This Agreement is incorporated by reference into the Iberlux Terms of Service ("TOS") and Privacy Policy and shall be construed consistently therewith.

1. Parties · Acceptance · Effective Date

1.1 Parties

This Affiliate Program Agreement (the "Agreement") is entered into by and between:

Iberlux LLC, a Texas limited liability company, with its principal place of business at [INSERT PHYSICAL ADDRESS · CITY · TX · ZIP] ("Iberlux", "Company", "we", "us", "our"); and

The individual or entity that accepts this Agreement through the Iberlux Affiliate Portal click-through mechanism, executes a written counterpart, or commences participation in the Iberlux Affiliate Program ("Affiliate", "you", "your").

Each a "Party" and collectively the "Parties".

1.2 Acceptance

You accept this Agreement by (a) clicking "I Agree" or an equivalent affirmative checkbox in the Iberlux Affiliate Portal, (b) executing a written or electronic counterpart of this Agreement, or (c) using any Affiliate Code, tracking link, or Approved Material made available to you through the Iberlux Affiliate Program. Each method constitutes a valid electronic signature under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN, 15 U.S.C. § 7001 et seq.) and the Uniform Electronic Transactions Act ("UETA") as adopted in the Governing State.

1.3 Effective Date

This Agreement is effective as of the date Affiliate first accepts under Section 1.2 (the "Effective Date").

1.4 Authority of Affiliate

Affiliate represents that the natural person clicking acceptance is at least eighteen (18) years of age, a United States resident, and (if accepting on behalf of an entity) is duly authorized to bind such entity. Affiliate shall maintain accurate registration information at all times.

2. Definitions

For purposes of this Agreement, the following capitalized terms have the meanings set forth below. Terms defined elsewhere in this Agreement (or in the TOS) carry the same meaning herein unless context requires otherwise.

• "Academy" — the Iberlux Academy, comprising paid online courses, coaching cohorts, certifications, and live trainings offered by Iberlux.
• "Affiliate Code" — the unique alphanumeric tracking code, vanity URL, coupon code, sub-ID, or hyperlink assigned by Iberlux to Affiliate for attribution purposes.
• "Approved Materials" — banners, copy blocks, emails, social posts, video clips, screenshots, and creative assets that Iberlux has expressly authorized for Affiliate use, as published in the Affiliate Portal Creative Library or pre-approved in writing by Iberlux.
• "Brand Guidelines" — the Iberlux brand book, trademark usage rules, and tier-specific creative restrictions published at the Affiliate Portal, as updated from time to time.
• "Chargeback" — any reduction, reversal, clawback, refund, NSF return, dispute, or carrier commission recapture (whether for cancellation, lapse, non-payment of premium, rescission, fraud, or otherwise) applied to a Conversion that was previously credited to Affiliate.
• "Commission" — the compensation payable to Affiliate as set forth in Schedule A based on Net Conversions.
• "Conversion" — (i) for Insurance Products: an Issued Policy with first premium received and outside the carrier's chargeback period; (ii) for Academy: a paid enrollment that has cleared the 14-day refund window without refund.
• "Cookie" — the first-party HTTP cookie set by Iberlux's domain in a referred user's browser containing the Affiliate Code and timestamp.
• "Cookie Window" — ninety (90) days from the most recent qualifying click on Affiliate's tracked link, subject to last-click attribution and Section 8.
• "FTC Endorsement Guides" — the Federal Trade Commission's Guides Concerning the Use of Endorsements and Testimonials in Advertising, 16 C.F.R. Part 255 (revised 2023).
• "Insurance Products" — life insurance, final expense, indexed universal life ("IUL"), ACA health, dental, supplemental, auto, and any other insurance product distributed through Iberlux or its appointed carriers.
• "Issued Policy" — an insurance policy underwritten by a carrier with which Iberlux has an appointment, with first premium received by the carrier.
• "Lead" — a consumer who completes a quote-request form, registration form, or similar conversion event on an Iberlux property via Affiliate's Affiliate Code.
• "Net Conversion" — gross Conversions during a period less Chargebacks, refunds, returns, and adjustments applied during the same or a prior period.
• "NPN" — National Producer Number issued by the National Association of Insurance Commissioners ("NAIC") via its National Insurance Producer Registry ("NIPR").
• "Permitted Activities" — the activities authorized for Affiliate's Tier as set forth in Section 4 and Schedule C.
• "Prohibited Activities" — the activities listed in Section 5 and Schedule D.
• "Resident State" — the state in which Affiliate's resident insurance producer license is issued (Tier 1 only) or the state of Affiliate's primary residence (Tiers 2 and 3).
• "Tier" — Tier 1 (Agent Affiliate), Tier 2 (Student Affiliate), or Tier 3 (Public Affiliate), as defined in Section 3.
• "TOS" — the Iberlux Terms of Service published at iberluxseguros.com/legal/terms, incorporated by reference.

3. Eligibility · Tier Determination · Onboarding

3.1 General Eligibility

Affiliate must (a) be at least eighteen (18) years of age, (b) be a United States resident or U.S.-domiciled entity, (c) provide a valid taxpayer identification number on IRS Form W-9 (or W-8BEN/W-8BEN-E for non-U.S. persons, who are eligible only for Academy promotion in Tier 3), (d) not appear on any U.S. Treasury OFAC Specially Designated Nationals list, and (e) not be subject to any FTC consent order, state insurance commissioner cease-and-desist order, or felony conviction involving fraud or dishonesty within the prior seven (7) years.

3.2 Tier 1 — Agent Affiliate (Licensed Producer)

A Tier 1 Affiliate is an individual or agency that holds an active insurance producer license in good standing. To qualify, Affiliate must submit:

1. Resident-state insurance producer license number and copy;
2. NPN (National Producer Number);
3. Lines of authority held (e.g., life, health, P&C);
4. Declaration of Resident State and any non-resident appointments;
5. Disclosure of any pending or prior regulatory action, complaint, or surrender of license;
6. Evidence of current Errors & Omissions ("E&O") insurance with minimum limits of US$1,000,000 per claim / US$1,000,000 aggregate (Section 19);
7. Executed W-9;
8. (For non-Iberlux-appointed producers) acknowledgement that this Agreement governs referral activity only and that any sale, quote, solicitation, or binding of coverage requires either a separate Iberlux producer appointment or referral to an Iberlux-appointed producer.

Iberlux verifies licensure via NIPR PDB at onboarding and re-verifies annually (or more frequently if a license status change is detected). Tier 1 status is conditional on continuous active licensure; lapse, suspension, revocation, or surrender automatically suspends Tier 1 status under Section 15.5.

3.3 Tier 2 — Student Affiliate (Iberlux Academy)

A Tier 2 Affiliate is an individual who has enrolled in or graduated from an Iberlux Academy program. To qualify, Affiliate must submit:

1. Academy enrollment confirmation or graduation certificate;
2. Declaration of license status (pre-licensing, exam scheduled, licensed but not appointed, or unlicensed);
3. Declaration of Resident State;
4. Acknowledgement that (a) Tier 2 may freely promote Academy and (b) Tier 2 may engage in insurance-related activities only to the extent permitted by the Resident State's insurance code and Section 4.2 below;
5. Executed W-9.

Tier 2 status requires active or alumni Academy participation. Iberlux verifies enrollment status via the Academy LMS at onboarding and on a rolling quarterly basis.

3.4 Tier 3 — Public Affiliate (Marketing-Only)

A Tier 3 Affiliate is any natural person or entity satisfying Section 3.1 who is not licensed as an insurance producer and is not currently enrolled in the Academy. Tier 3 is structured as a marketing affiliate for Academy course referrals only. Tier 3 Affiliate must submit:

1. Identity and contact information;
2. Declaration of Resident State;
3. Description of primary promotional channels (blog, social account, podcast, etc.);
4. Affirmative acknowledgement of Schedule C (Tier-3 Special Limitations) and Schedule D (Prohibited Activities);
5. Executed W-9.

Tier 3 may not promote Insurance Products, refer consumers for insurance quotes, transmit Leads to Iberlux's insurance funnels, or earn Commission tied in any manner to the issuance of an insurance policy. Tier 3 Commission is earned solely on Academy enrollments. This restriction is the central condition of the Tier 3 structure for compliance with state insurance referral fee laws including, without limitation, California Insurance Code § 1623, Texas Insurance Code §§ 4001.001-4001.110 and § 4005.004, Florida Statutes § 626.112 and § 626.794, New York Insurance Law § 2114, § 2115, § 2116, and § 2117, and analogous statutes of every state in which Iberlux operates.

3.5 Tier-Up and Tier-Change

Affiliate may request a tier change by providing the qualifying documentation (e.g., a Tier 3 Affiliate who enrolls in the Academy may request promotion to Tier 2; a Tier 2 Affiliate who obtains a producer license may request promotion to Tier 1). Tier changes are effective on the first day of the calendar month following Iberlux's written confirmation. No retroactive Commission re-rating applies.

3.6 Onboarding Form

All Affiliates must complete the onboarding form in the Affiliate Portal and execute (a) this Agreement, (b) IRS Form W-9 (or applicable W-8 series), and (c) Stripe Connect Express account onboarding (Section 9.4). Iberlux may reject any onboarding application in its sole discretion.

4. Permitted Activities (per Tier)

4.1 Tier 1 — Agent Affiliate · Permitted

Tier 1 Affiliate may, subject to its own license and to Sections 5, 6, and 16:

(a) Generate Leads for Insurance Products through compliant marketing channels; (b) Promote Iberlux insurance services and quote-request funnels; (c) Discuss Insurance Products with prospects to the extent authorized by Affiliate's license and lines of authority; (d) Promote the Academy; (e) Use Approved Materials and tier-appropriate creatives from the Library; (f) Operate landing pages that submit Leads to Iberlux, provided the verbatim Iberlux TCPA and privacy disclosures are deployed (Section 11.1, TOS § 5.2); (g) Use the FTC-compliant disclosure language in Section 6.

4.2 Tier 2 — Student Affiliate · Permitted

Tier 2 Affiliate may, subject to Resident State law and Sections 5, 6, and 16:

(a) Promote the Academy without restriction; (b) Publish educational content about insurance categories generally (e.g., "what is final expense", "how IUL works") without quoting premiums, naming specific carriers, or making product recommendations, provided all such content is consistent with NAIC unfair trade practice prohibitions and the Resident State's insurance code; (c) Refer interested consumers to Iberlux's general quote pages only after the Affiliate is licensed in the relevant line and state, unless such referral is permitted under the Resident State's "referral fee to non-licensed person" exception (typically a one-time, fixed, nominal fee not contingent on policy issuance — these structures are not used in the Iberlux Affiliate Program; instead, pre-license Tier 2 Affiliates are compensated only on Academy Conversions); (d) Use the Academy-specific Approved Materials.

For clarity, a Tier 2 Affiliate who has not obtained an active producer license in the line and state of the prospective insurance Conversion shall earn Commission only on Academy Conversions. Insurance Conversions attributed to such Affiliate during the unlicensed period are paid at Tier 3 Academy-only rates and do not include any insurance Commission, regardless of attribution.

4.3 Tier 3 — Public Affiliate · Permitted (Academy ONLY)

Tier 3 Affiliate may, subject to Sections 5, 6, and 16, and only with respect to the Academy:

(a) Publish blog posts, social media content, podcasts, videos, and emails that link to Academy course pages using the Affiliate Code; (b) Share personal stories or testimonials about the Academy, provided such testimonials are truthful, reflect the Affiliate's actual experience, and comply with FTC Endorsement Guides; (c) Use Tier-3-tagged Approved Materials (Academy creative library); (d) Use the FTC-compliant #ad / #afiliado disclosure language.

See Schedule C for the affirmative list of Tier-3 prohibitions (do-not-do list).

5. Prohibited Activities (All Tiers)

Without limitation of the Tier-specific restrictions, Affiliate shall NOT engage in any of the following:

1. Spam and unsolicited communications in violation of the CAN-SPAM Act (15 U.S.C. § 7701 et seq.), the Telephone Consumer Protection Act (47 U.S.C. § 227 — "TCPA"), state mini-TCPA laws (e.g., Florida Telephone Solicitation Act, Oklahoma Telephone Solicitation Act, Washington CEMA), CASL, or GDPR;
2. Unsolicited calls, SMS, MMS, or pre-recorded/auto-dialed messages to any consumer without prior express written consent meeting TCPA standards, or to any number on the federal or any state DNC list outside the established business relationship exception;
3. Bidding on Iberlux brand keywords in paid search (Google Ads, Microsoft Bing Ads, Yahoo Gemini, Yandex), paid social (Meta, TikTok, Snap, X, LinkedIn, Pinterest, Reddit), or any other paid advertising platform. Prohibited keywords include "Iberlux", "Iberlux Seguros", "Iberlux Motor de Leads", "Iberlux Academy", "iberluxseguros", "iberlux.com", obvious typos, translations, transliterations, broad-match equivalents, and competitor-comparison phrases incorporating any of the foregoing;
4. Using Iberlux trademarks, trade dress, or logos outside Approved Materials, the Brand Guidelines, or pre-written approval;
5. False, misleading, or deceptive advertising about Iberlux, the Academy, Insurance Products, premiums, eligibility, carriers, claim outcomes, or Affiliate's relationship with Iberlux;
6. False scarcity, fake urgency, manipulative emotional pressure, or "act now or lose forever" language;
7. Reselling, syndicating, sublicensing, or transferring Leads, Affiliate Codes, tracking parameters, or consumer data to any third party other than Iberlux;
8. Disparaging Iberlux, its officers, employees, products, services, or carriers, or making false statements about competitors;
9. Self-referrals, fraud, identity theft, fabricated submissions, bot-generated Leads, click farms, paid-to-click networks, incentivized clicks, browser extensions, toolbars, pop-ups/pop-unders, deceptive layering, or "co-registration" with non-approved partners;
10. Cookie stuffing, iframe stuffing, forced clicks, hidden pixels, redirect-based attribution manipulation, or any technique that triggers attribution without an affirmative consumer action;
11. Failure to disclose material connection as required by FTC Endorsement Guides (Section 6);
12. Posting Iberlux content on adult, gambling, hate-speech, illegal-activity, or pharmaceutical-without-license sites;
13. Representing Iberlux's products as Medicare, government insurance, or affiliated with any federal or state government program (except ACA Marketplace, which is permitted only for Tier 1 Affiliates with appropriate framing and disclosure);
14. Modifying, removing, or obscuring Iberlux's TCPA disclosure, privacy notice, or consent language on any Iberlux property or any Affiliate-operated form that submits Leads to Iberlux;
15. Holding oneself out as Iberlux's employee, agent, broker (Tier 1 may use "appointed producer" only if separately appointed), or representative beyond the limited "marketing affiliate" capacity granted herein;
16. Tier 3 specific: (a) Recommending any Insurance Product; (b) Quoting, comparing, or estimating premiums; (c) Naming specific insurance carriers; (d) Implying that Affiliate is licensed, appointed, or authorized to discuss insurance; (e) Using titles such as "agent", "broker", "producer", "insurance advisor", "consultant", or any Spanish equivalent ("agente", "asesor", "corredor de seguros"); (f) Operating any form, page, or chat funnel that captures consumer information for transmission to Iberlux's insurance lead pipeline.

A breach of any item in this Section 5, or in Schedules C or D, constitutes a material breach entitling Iberlux to immediate termination under Section 15.3.

6. FTC Endorsement Disclosure Requirements (16 C.F.R. Part 255)

6.1 Required Disclosure

In every public communication that promotes Iberlux, the Academy, or Iberlux Insurance Products and includes an Affiliate Code, tracking link, or coupon code (each, a "Promotional Communication"), Affiliate must clearly and conspicuously disclose Affiliate's material connection to Iberlux in compliance with the FTC Endorsement Guides (16 C.F.R. Part 255), including the 2023 amendments and current FTC enforcement guidance.

6.2 Acceptable Disclosure Language

Approved short-form disclosures (any of the following is acceptable when conspicuously placed at the start of the post and not buried below "more"/"see more" jumps):

• "#ad"
• "#afiliado" (Spanish equivalent)
• "#sponsored"
• "Paid partnership with Iberlux"
• "Affiliate link · I earn a commission if you enroll"
• "Soy afiliado de Iberlux y gano una comisión si te inscribes con mi enlace."

For long-form content (blog, email, video), the disclosure must appear above the fold or within the first thirty (30) seconds of audio/video content.

6.3 Channel-Specific Rules

• Instagram / TikTok / Reels / Shorts: "#ad" or "#afiliado" must be in the visible caption (not behind the "more" cut), and the Paid Partnership tag must be enabled where the platform supports it.
• YouTube: the "Includes paid promotion" check must be enabled; verbal disclosure within first 30 seconds is required.
• Podcasts / audio: verbal disclosure at the start of the segment.
• Blog / email / website: disclosure at the top of the post, before the first affiliate link.
• Twitter/X, Threads, Bluesky: "#ad" within the post text.

6.4 Liability for Non-Disclosure

Affiliate acknowledges that recent FTC enforcement actions (including the 2024 enforcement sweeps against influencer non-disclosure) have resulted in monetary penalties, consent orders, and disgorgement against both advertisers and influencers. Affiliate shall fully indemnify Iberlux for any FTC, state attorney general, or private claim arising from Affiliate's non-disclosure or inadequate disclosure (Section 17).

7. Compensation Structure

7.1 Tier-Specific Commission Rates

"Net Carrier Commission" means the carrier-paid commission on an Issued Policy actually received by Iberlux net of carrier chargebacks, broker overrides retained upstream, and any negotiated splits with appointing agencies.

7.2 Earning Event

Commission is earned when (i) for Insurance: an Issued Policy has been in force, premium-paying, beyond the carrier's chargeback period, and Iberlux has received the related carrier compensation; (ii) for Academy: the Academy enrollment has cleared the 14-day refund window without refund.

7.3 Attribution

Commission is credited based on last-click attribution within the 90-day Cookie Window (Section 8). If multiple Affiliate Codes appear within the window, the most recent valid click controls. Direct-typed URLs without an Affiliate Code fall back to the last Affiliate Code captured within the Cookie Window, if any.

7.4 Tier-Up and Bonus Schedule

See Schedule A for performance bonuses, tier-up triggers, and Academy-graduate boosts.

7.5 No Other Compensation

Affiliate is not entitled to any other compensation, equity, override, or benefit beyond Commission as defined in this Section and Schedule A. Iberlux does not pay placement fees, lead-purchase fees, override on sub-affiliates (except Tier 4 master-affiliate by separate addendum), or compensation for pre-conversion activities.

8. Cookie Tracking and Attribution

8.1 Cookie Window

The Cookie Window is ninety (90) calendar days from the most recent qualifying click on Affiliate's tracked link.

8.2 First-Party Cookie · Server-Side Validation

Iberlux deploys a first-party cookie on its own domains (iberluxseguros.com and authorized subdomains) and validates attribution server-side at the time of Conversion. Client-side-only attribution is not authoritative.

8.3 Attribution Model

Last-click within the Cookie Window is the authoritative attribution model. Multi-touch journeys collapse to the most recent valid Affiliate Code click.

8.4 Cross-Device Matching

Iberlux uses best-efforts cross-device matching (deterministic where the same user authenticates; probabilistic where signals support it). Cross-device matching is not guaranteed, and Affiliate acknowledges that some cross-device journeys will not attribute. Iberlux's tracking and attribution determinations are final, subject to Section 11 dispute rights.

8.5 Stuffing and Manipulation Prohibited

Cookie stuffing, iframe stuffing, forced clicks, hidden pixels, automatic redirect chains, and any other technique that sets the Affiliate cookie without an affirmative, intentional consumer click are strictly prohibited and constitute material breach.

8.6 Authoritative Source

Iberlux's tracking systems are the sole and authoritative source of attribution. Affiliate's analytics platforms (Google Analytics, server logs, third-party trackers) are not controlling.

9. Payment Terms

9.1 Payout Cycle

Commissions are calculated on a monthly cycle, with a 30-day lag to permit chargeback processing. Specifically: Commissions earned in calendar month M are paid on or before the 15th day of calendar month M+2 (e.g., Commissions earned in January are paid by March 15).

9.2 Minimum Payout Threshold

The minimum payout balance is US$50.00. Balances below US$50 roll over to the next cycle. Balances under the threshold at the time of termination are forfeit if not reached within ninety (90) days of termination, unless prohibited by law.

9.3 Currency

All Commissions are denominated and paid in U.S. Dollars (USD).

9.4 Stripe Connect (Express Account)

All payouts are made via Stripe Connect Express accounts. Affiliate must complete Stripe Connect onboarding (KYC, banking details, and Stripe's Connected Account Agreement) before any payout is released. Affiliate's relationship with Stripe is governed by Stripe's terms; Iberlux is not responsible for Stripe processing delays, account suspensions, or bank-side rejections. Stripe processing fees, where applicable, are absorbed by Iberlux for standard ACH; expedited or international transfers may be charged to Affiliate at cost.

9.5 Tax Compliance · W-9 · 1099-NEC

Affiliate must submit a completed IRS Form W-9 at onboarding (or W-8BEN/W-8BEN-E for non-U.S. persons). Iberlux reports total annual Commission on IRS Form 1099-NEC for any U.S. Affiliate paid US$600.00 or more in a calendar year, in accordance with 26 U.S.C. § 6041 and § 6041A and Treasury Regulations thereunder. Affiliate is solely responsible for federal, state, and local income, self-employment, and other taxes on Commission. Iberlux does not withhold taxes and does not provide tax advice.

9.6 Backup Withholding

If Affiliate fails to provide a valid TIN on Form W-9, or if the IRS notifies Iberlux of an incorrect TIN, Iberlux shall apply backup withholding at the then-current rate (24% as of 2026) under 26 U.S.C. § 3406 and remit the withheld amount to the IRS.

9.7 Set-Off

Iberlux may set off Chargebacks, refunds, fraud-related clawbacks, and any amount Affiliate owes Iberlux against future Commission. If Affiliate's balance is negative beyond US$500 for thirty (30) days, Iberlux may invoice Affiliate, payable within thirty (30) days of invoice.

10. Chargeback Policy

10.1 Insurance Chargeback

Affiliate's Insurance Commission is subject to Chargeback if a referred Issued Policy cancels, lapses for non-payment, is rescinded, is charged back by the carrier, or is otherwise reversed within the carrier's chargeback period, which typically extends ninety (90) days for first-year cancellations and up to twelve (12) months for cancellations involving non-payment, rescission, or fraud — varying by product and carrier. The carrier's chargeback period as applied to Iberlux flows through to Affiliate's Commission.

10.2 Academy Chargeback

Academy Commission is subject to Chargeback if a referred enrollment is refunded under the 14-day money-back guarantee or any other refund issued at Iberlux's discretion within sixty (60) days of enrollment.

10.3 Fraud-Related Clawback Look-Back

Iberlux reserves a twelve (12) month look-back window for fraud-related clawback. If Iberlux determines (acting reasonably and in good faith) that a Conversion was the product of fraud, misrepresentation, prohibited activity, or breach of this Agreement, Iberlux may reverse the related Commission and recover from Affiliate any amount previously paid, regardless of the standard chargeback period.

10.4 Affiliate Notification

Affiliate is notified of Chargebacks via the Affiliate Portal dashboard and a monthly Chargeback statement emailed to Affiliate's registered email address.

10.5 Recovery Mechanics

Chargebacks are recovered first by offset against future Commission, second by demand for repayment (invoice payable in thirty (30) days), and third, if uncured, by collection action under Section 20.

11. Records · Audit · Disputes

11.1 Iberlux Records

Iberlux maintains records of Affiliate's Conversions, Commission accruals, payments, Chargebacks, and related metadata for four (4) years from the date of the relevant transaction.

11.2 Affiliate Dispute Window

Affiliate may dispute any Commission calculation by submitting a written dispute (with supporting evidence) to [email protected] within thirty (30) days of the relevant payout statement. Iberlux will investigate and respond within fifteen (15) business days. After 30 days, the relevant Commission calculation is final and not subject to dispute absent fraud or manifest error by Iberlux.

11.3 Audit Right (Iberlux)

Iberlux reserves the right, at its expense and on five (5) business days' notice, to audit Affiliate's records, traffic sources, creatives, disclosures, and consent records to verify compliance with this Agreement. The audit right extends back twelve (12) months from the audit notice date. Affiliate shall reasonably cooperate. If the audit reveals fraud or material breach, the cost of audit may be assessed to Affiliate.

11.4 Affiliate Records

Affiliate shall maintain accurate records of its promotional activities, FTC disclosures, opt-in/consent records (if any), and traffic sources for at least four (4) years and provide such records to Iberlux on reasonable request.

12. Trademark and Asset License

12.1 Limited License Grant

Subject to Affiliate's compliance with this Agreement, Iberlux grants Affiliate a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use the Iberlux name, logo, tradenames, and Approved Materials solely for the purpose of performing Permitted Activities under this Agreement and in accordance with the Brand Guidelines.

12.2 Creative Library

Iberlux maintains a creative library in the Affiliate Portal containing Tier-tagged logos, banners, images, copy blocks, video clips, and email templates. Affiliate may use any creative tagged for its Tier without additional approval, subject to compliance with this Agreement.

12.3 Custom Creative Pre-Approval

Any creative not in the library — including custom video, custom copy, sponsored content, and adapted materials — must be submitted to [email protected] for written approval at least five (5) business days before publication. Iberlux's silence is not approval.

12.4 Revocation

The trademark license is revocable at Iberlux's discretion with or without cause. Upon revocation, Affiliate shall remove all Iberlux marks and Approved Materials from Affiliate's properties within seventy-two (72) hours.

12.5 Tier 3 Trademark Restrictions

Tier 3 Affiliate may not use, in any creative, copy, hashtag, profile description, or domain, any phrase that implies insurance licensing, including (without limitation): "agent", "broker", "producer", "insurance advisor", "insurance consultant", "asesor de seguros", "agente de seguros", "corredor de seguros". Tier 3 may describe itself only as an "Iberlux Affiliate", "Academy student/alumnus", or "afiliado de Iberlux".

12.6 No Other Rights

No rights in Iberlux's intellectual property are granted other than those expressly stated. All goodwill arising from Affiliate's use of Iberlux marks inures to Iberlux.

13. Confidentiality

13.1 Confidential Information

In the course of the Affiliate Program, Affiliate may receive non-public information regarding Iberlux, including (without limitation) Commission rates, performance dashboards, conversion data, carrier identities and arrangements, scoring models, lead-quality criteria, and operational data ("Confidential Information").

13.2 Obligations

Affiliate shall (a) hold Confidential Information in strictest confidence; (b) use it only to perform under this Agreement; (c) not disclose to any third party without Iberlux's prior written consent; (d) protect it with the same degree of care it uses for its own confidential information (and never less than reasonable care).

13.3 Exclusions

Confidential Information does not include information that (i) was lawfully in Affiliate's possession before disclosure; (ii) is or becomes publicly available through no fault of Affiliate; (iii) is independently developed without reference to Confidential Information; or (iv) is rightfully received from a third party without confidentiality obligation.

13.4 Survival

Confidentiality obligations survive termination for three (3) years; trade secrets are protected for so long as they remain trade secrets under the Defend Trade Secrets Act (18 U.S.C. § 1836) and the Texas Uniform Trade Secrets Act (Tex. Civ. Prac. & Rem. Code § 134A.001 et seq.).

14. Non-Disparagement

Each Party agrees not to make any false, malicious, or disparaging statements (oral or written) about the other Party, its officers, employees, products, services, or business reputation. This Section 14 (a) is mutual, (b) does not restrict truthful statements made under oath, in regulatory filings, or in good-faith complaints to government agencies, and (c) does not restrict good-faith opinion-based commentary or critical reviews that are factually accurate.

15. Term and Termination

15.1 Term

This Agreement begins on the Effective Date and continues until terminated under this Section 15.

15.2 Termination for Convenience

Either Party may terminate for convenience upon thirty (30) days' written notice to the other (email to [email protected] to Iberlux; email to Affiliate's registered address to Affiliate).

15.3 Termination for Cause

Iberlux may terminate this Agreement immediately, without notice or cure period, upon material breach by Affiliate. Material breach includes (without limitation):

(a) Fraud, self-referral, click fraud, fabricated submissions, bot-generated traffic; (b) Brand damage, false or deceptive advertising, undisclosed endorsements; (c) Violation of any Prohibited Activity in Section 5 or Schedule D; (d) Tier 3 engagement in insurance referral activity; (e) License lapse, suspension, revocation, or surrender (Tier 1) — automatic suspension under Section 15.5; (f) Violation of TCPA, CAN-SPAM, FTC Endorsement Guides, state insurance code, CCPA/CPRA, or similar law; (g) Insolvency, bankruptcy filing, assignment for benefit of creditors; (h) Any criminal indictment for fraud, dishonesty, or financial crimes; (i) Failure to maintain E&O insurance (Tier 1) (Section 19).

15.4 Effect of Termination

Upon termination:

(a) Affiliate Code is deactivated immediately; (b) All licenses to use Iberlux marks and Approved Materials terminate; Affiliate shall remove all Iberlux content from its properties within seventy-two (72) hours; (c) Sections 2, 5, 9 (with respect to outstanding balances), 10, 11, 13, 14, 16, 17, 18, 20, 21, and 24 survive; (d) For termination for convenience: Commission earned through termination is paid on the next regular cycle, subject to the 90-day final-payout hold described in Section 15.6; (e) For termination for cause: outstanding Commission may be withheld pending investigation and forfeit if breach is confirmed; Iberlux's other remedies (including clawback under Section 10.3) remain available.

15.5 Tier 1 License Lapse — Automatic Action

If Iberlux's annual or interim NIPR PDB verification reveals that a Tier 1 Affiliate's resident license is lapsed, expired, suspended, revoked, or surrendered, Tier 1 status is automatically suspended immediately. Affiliate may petition for reinstatement upon documenting cure (renewed/restored license). Pending cure or termination, no insurance Commission accrues; Academy Commission may continue at Tier 3 rates.

15.6 Final Payout · 90-Day Hold

Final Commission payout following termination is held for ninety (90) days to allow Chargeback periods to run. After the 90-day hold, the net positive balance (if any), subject to all Chargebacks, fraud clawbacks, and offsets, is paid via Stripe Connect. A final accounting statement is issued within fifteen (15) days after the hold ends.

16. Compliance Obligations · Independent Contractor

16.1 Compliance with Law

Affiliate shall, at its own expense, comply with all applicable federal, state, and local laws and regulations, including without limitation:

• Telephone Consumer Protection Act (47 U.S.C. § 227) and FCC implementing rules;
• CAN-SPAM Act (15 U.S.C. § 7701 et seq.);
• California Consumer Privacy Act / California Privacy Rights Act (Cal. Civ. Code § 1798.100 et seq.) and equivalent VCDPA, CPA, CTDPA, UCPA, OCPA, MCDPA, TIPA, FDBR, MTPA, and other state privacy laws;
• State insurance codes, including Cal. Ins. Code § 1623, Tex. Ins. Code §§ 4001-4055, Fla. Stat. § 626, N.Y. Ins. Law §§ 2114-2117, and equivalent statutes of every state in which Affiliate operates or markets;
• FTC Act § 5 (15 U.S.C. § 45) and the FTC Endorsement Guides (16 C.F.R. Part 255);
• State mini-TCPA / telemarketing laws (e.g., Florida Telephone Solicitation Act, Oklahoma Telephone Solicitation Act, Washington CEMA);
• NAIC Unfair Trade Practices Model Act (as adopted by the relevant state);
• CCPA/CPRA opt-out preference signal (Global Privacy Control) where applicable.

16.2 Independent Contractor

Affiliate is an independent contractor, not an employee, agent, partner, joint venturer, or franchisee of Iberlux. Affiliate has no authority to bind Iberlux, accept service of process for Iberlux, sign contracts on behalf of Iberlux, or hold itself out as an Iberlux employee or agent. Affiliate is not entitled to employee benefits, workers' compensation, unemployment insurance, or any other employment-related benefit.

16.3 Tax Responsibility

Affiliate is solely responsible for federal, state, local, and self-employment taxes on Commission. Iberlux does not withhold taxes (except backup withholding under Section 9.6).

16.4 No Insurance Authority

Except for Tier 1 Affiliates exercising authority under their separate producer license and any separate Iberlux producer appointment, Affiliate has no authority to: (a) solicit, negotiate, sell, or bind insurance; (b) quote premiums; (c) make underwriting determinations; (d) accept premium payments; or (e) make representations about coverage, exclusions, or claim outcomes. The Affiliate role under this Agreement is limited to marketing referral as defined herein.

17. Indemnification

17.1 By Affiliate

Affiliate shall indemnify, defend, and hold harmless Iberlux and its officers, directors, members, employees, agents, affiliated entities, carriers, lead buyers, and licensors (the "Iberlux Indemnitees") from and against any and all claims, demands, losses, damages, fines, penalties, judgments, settlements, costs, and expenses (including reasonable attorneys' fees and costs of investigation) arising out of or relating to:

(a) Any breach or alleged breach of this Agreement by Affiliate, including breach of representations, warranties, covenants, and Schedules C and D; (b) Affiliate's marketing activities, content, websites, communications, and use of Affiliate Codes; (c) Any TCPA, CAN-SPAM, FTC, NAIC, state insurance commissioner, state attorney general, or private claim arising from Affiliate's conduct; (d) Affiliate's misrepresentation or omission, including failure to disclose material connection under FTC rules; (e) Any infringement claim relating to Affiliate-supplied content; (f) Tier 3 Affiliate's engagement in any insurance referral, recommendation, or quoting activity; (g) Affiliate's failure to maintain E&O insurance (Tier 1).

17.2 By Iberlux

Iberlux shall indemnify Affiliate against third-party claims that the Approved Materials, used by Affiliate as supplied and within the scope of the Tier-appropriate license, infringe a third party's U.S. intellectual property rights. Iberlux's indemnification under this Section 17.2 is conditioned on Affiliate (a) giving prompt written notice of the claim, (b) granting Iberlux sole control over defense and settlement, and (c) reasonably cooperating in defense at Iberlux's expense.

17.3 Indemnification Procedure

The indemnified party shall give prompt written notice of the claim and reasonably cooperate. The indemnifying party shall have sole control of defense, provided that no settlement requiring an admission of liability or non-monetary obligation by the indemnified party shall be entered without the indemnified party's written consent (not unreasonably withheld).

18. Limitation of Liability

EXCEPT FOR (a) AFFILIATE'S BREACH OF SECTIONS 5 (PROHIBITED ACTIVITIES), 6 (FTC DISCLOSURE), 11 (RECORDS), 13 (CONFIDENTIALITY), 16.1 (COMPLIANCE), OR SCHEDULES C OR D; (b) EITHER PARTY'S INDEMNIFICATION OBLIGATIONS UNDER SECTION 17; (c) FRAUD, GROSS NEGLIGENCE, OR WILLFUL MISCONDUCT; OR (d) BREACH OF THE TRADEMARK LICENSE (SECTION 12):

(i) NEITHER PARTY SHALL BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST OPPORTUNITY, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO THIS AGREEMENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

(ii) IBERLUX'S AGGREGATE LIABILITY UNDER THIS AGREEMENT SHALL NOT EXCEED THE TOTAL COMMISSION PAID TO AFFILIATE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY.

(iii) THE LIMITATIONS IN THIS SECTION 18 APPLY REGARDLESS OF THE FORM OF ACTION (CONTRACT, TORT, STRICT LIABILITY, STATUTORY, OR OTHERWISE) AND ARE FUNDAMENTAL ELEMENTS OF THE BARGAIN BETWEEN THE PARTIES.

(iv) Some jurisdictions do not permit certain exclusions or limitations of liability (including New Jersey's Truth-in-Consumer Contract, Warranty and Notice Act and certain consumer-protection regimes). In such jurisdictions, the foregoing limitations apply to the maximum extent permitted by law.

19. Insurance · Errors & Omissions

19.1 Tier 1 E&O Requirement

Tier 1 Affiliates must maintain, at their own expense and at all times during the term, errors and omissions ("E&O") insurance with minimum limits of US$1,000,000 per claim and US$1,000,000 aggregate, written by an admitted carrier rated A-VIII or better by AM Best.

19.2 Proof of Insurance

Iberlux may require, at any time, a certificate of insurance evidencing E&O coverage. Affiliate shall provide a current certificate within ten (10) business days of request and shall notify Iberlux within forty-eight (48) hours of any material change, lapse, or cancellation of E&O coverage.

19.3 Tiers 2 and 3

Tier 2 (post-licensure) and Tier 3 are encouraged but not required to carry E&O. To the extent Tier 2 begins engaging in insurance-permitted activities post-licensure, the Tier 1 E&O minimums apply on the same terms.

20. Dispute Resolution

This Agreement is subject to the same dispute resolution procedures as the TOS Section 11, which is incorporated herein by reference. In summary and without limitation:

(a) Informal resolution via [email protected] within thirty (30) days; (b) Binding arbitration before the American Arbitration Association ("AAA") under its Commercial Arbitration Rules (commercial, not consumer rules — Affiliates are commercial counterparties), seat in [GOVERNING STATE COUNTY, GOVERNING STATE], English language, in person or remote at the parties' agreement; (c) Class waiver — claims may be brought only individually, not as class, collective, or representative; (d) Carve-outs — small-claims court for qualifying claims; injunctive or equitable relief in court for breach of Sections 5, 6, 12, or 13; (e) 30-day opt-out — Affiliate may opt out of arbitration by written notice to Iberlux within thirty (30) days of accepting this Agreement; (f) Federal Arbitration Act governs interpretation and enforcement of this arbitration agreement.

For clarity, the arbitration forum, AAA designation, and class waiver applied to Affiliate must align with TOS § 11. If a conflict arises between this Agreement and TOS § 11 with respect to dispute resolution, the more recent version of the TOS controls, except that the AAA Commercial Arbitration Rules (rather than Consumer rules) apply to Affiliate disputes.

21. Governing Law

This Agreement is governed by the laws of the State of Texas (the "Governing State"), without regard to conflict-of-laws principles, except that the Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs the interpretation and enforcement of Section 20. The Governing State is the same as the TOS governing law; if Iberlux changes the TOS governing state, this Agreement's Governing State conforms automatically upon Iberlux's written notice (Section 22).

22. Modifications

Iberlux may modify this Agreement (including Schedule A Commission rates, Schedule B state rules, and Schedule C/D limitations) by posting an updated version in the Affiliate Portal and providing thirty (30) days' written notice by email to Affiliate's registered email address. Affiliate's continued participation in the Affiliate Program after the effective date of the modification constitutes acceptance. If Affiliate objects to a modification, Affiliate's exclusive remedy is termination for convenience under Section 15.2 before the modification's effective date.

23. Entire Agreement · Incorporation by Reference

This Agreement, together with Schedules A, B, C, and D appended hereto, the TOS, the Privacy Policy, the Brand Guidelines, the TCPA Disclosure, and the Recording Disclosure (each incorporated by reference), constitutes the entire agreement between the Parties regarding the Affiliate Program and supersedes all prior or contemporaneous agreements, communications, and understandings, written or oral. In the event of conflict, the order of precedence is: (1) this Agreement, (2) the Schedules, (3) the TOS, (4) the other incorporated documents.

24. General Provisions

24.1 Severability

If any provision of this Agreement is held invalid or unenforceable by a court or arbitrator of competent jurisdiction, such provision shall be modified to the minimum extent necessary to render it enforceable, and the remaining provisions shall remain in full force and effect.

24.2 Assignment

Affiliate may not assign, delegate, or transfer this Agreement, in whole or in part, by operation of law or otherwise, without Iberlux's prior written consent. Any unauthorized assignment is void. Iberlux may assign this Agreement freely, including in connection with any merger, sale, reorganization, or change of control.

24.3 Notices

Notices to Iberlux: [email protected] (with copy to the address in Section 1.1). Notices to Affiliate: the email address on file in the Affiliate Portal. Notices are deemed delivered on the date sent (email) or three (3) business days after deposit (postal). Affiliate is responsible for keeping its registered email current.

24.4 Waiver

No waiver of any provision of this Agreement is effective unless in writing and signed by the Party against whom enforcement is sought. Failure to enforce any provision is not a waiver.

24.5 Counterparts and Electronic Signature

This Agreement may be accepted by click-through or executed in counterparts (including by electronic signature under E-SIGN and UETA), each of which is deemed an original, all of which together constitute one instrument.

24.6 Force Majeure

Neither Party is liable for failure or delay in performance due to causes beyond its reasonable control, including acts of God, war, terrorism, civil disturbance, pandemic, natural disaster, governmental action, internet/utility outage, or third-party platform failure. Force majeure does not excuse payment obligations for Commission already earned and due.

24.7 No Third-Party Beneficiaries

Except as expressly stated (e.g., the Iberlux Indemnitees in Section 17.1), this Agreement is not intended to benefit any third party.

24.8 Headings

Headings are for convenience only and do not affect interpretation.

24.9 Construction

Each Party has had the opportunity to review this Agreement and consult counsel; the rule that ambiguities are construed against the drafter does not apply.

SIGNATURES / CLICK-THROUGH ACCEPTANCE

IBERLUX LLC

By: ___________________________ Name: Title: Date:

AFFILIATE

By: ___________________________ Legal Name (individual or entity): Title (if entity): Date: Tier (1 / 2 / 3): Resident State: TIN (W-9 last 4): NPN (Tier 1 only): Stripe Connect Account ID:

By clicking "I Agree" or otherwise accepting per Section 1.2, the natural person executing this Agreement represents and warrants their authority and intent to bind themselves (and any entity on whose behalf they act) to all terms herein, including Schedules A, B, C, and D.

SCHEDULE A · Commission Terms · Bonus Schedule · Tier-Up Mechanics

Effective: 2026-04-30 Subject to amendment with 30 days' notice (Section 22)

A.1 Commission Rate Table

A.2 Performance Bonuses

A.3 Tier Transition Mechanics

• Tier 3 → Tier 2: upon Academy enrollment confirmation. Commission rate change is prospective, effective first day of the next calendar month.
• Tier 2 → Tier 1: upon production of active resident producer license, NPN, executed E&O certificate, and updated W-9. Effective first day of next calendar month.
• Tier 1 → Tier 2/3 (downgrade): automatic on license lapse (Section 15.5). Insurance Commission accrual ceases on lapse date; pre-existing pipeline subject to Section 15.6 final-payout hold.

A.4 Cookie Window and Attribution

• Cookie Window: ninety (90) calendar days, last-click within window;
• First-party cookie, server-side validated;
• Cross-device: best-efforts deterministic where possible;
• Direct-typed traffic: falls back to last Affiliate Code captured within window, if any;
• Multi-Code conflicts: most recent valid click controls.

A.5 Payout

• Threshold: US$50.00 (rolls over);
• Cycle: monthly, with 30-day lag (M+2 cycle);
• Payment rail: Stripe Connect Express only;
• Currency: USD;
• Final-payout 90-day hold post-termination (Section 15.6).

A.6 Chargeback Mechanics

• Insurance: carrier chargeback period flows through (typ. 90 days, up to 12 months);
• Academy: 14-day refund window;
• Fraud look-back: 12 months;
• Recovery: offset → invoice (NET 30) → collection.

A.7 Disputes

• 30-day dispute window from payout statement;
• Submit to [email protected] with evidence;
• Iberlux response within 15 business days.

SCHEDULE B · State-Specific Insurance Referral Rules

Effective: 2026-04-30 · Iberlux operates in eleven (11) states. The following are key state-specific deltas Affiliate must observe in addition to the body of this Agreement. Affiliate is responsible for compliance with the Resident State's laws and the laws of any state in which Affiliate markets.

General principle: in every Iberlux state, paying compensation contingent upon the placement of insurance to a non-licensed person is prohibited or strictly limited. Iberlux's three-tier structure addresses this by (i) compensating non-licensed Affiliates only for Academy referrals, not insurance placement, and (ii) restricting non-licensed Affiliates from any activity (recommendation, quoting, comparison) that would constitute "transacting insurance" or "soliciting" under state law.

B.1 California

• Cal. Ins. Code § 1623 prohibits compensation to non-licensed persons for referring insurance business beyond a fixed, nominal fee not contingent on the issuance or sale of insurance. Iberlux does not pay non-licensed Affiliates any contingent insurance fee. Tier 3 Academy Commission is for Academy enrollments only and is unrelated to any insurance transaction.
• Cal. Ins. Code § 1631 et seq. licensure required for solicitation, negotiation, or transaction of insurance.
• CCPA/CPRA notice and opt-out compliance required for any consumer data Affiliate collects.
• Cal. Bus. & Prof. Code § 17529.5 (CAN-SPAM analog) strict liability for misleading subject lines and headers.

B.2 Texas (Iberlux's Governing State)

• Tex. Ins. Code § 4001.051 et seq. licensure required for "insurance business" activities.
• Tex. Ins. Code § 4005.004 restricts payment of commissions for insurance business to licensed persons.
• Tex. Ins. Code § 4001.005 "referral" exception: a non-licensed person may make a referral if they do not discuss specific insurance terms and the compensation is not based on the purchase of insurance. Iberlux's Tier 3 structure complies by paying Tier 3 only on Academy enrollments.
• TDLR / TDI registration not required for marketing affiliates within these limits.

B.3 Florida

• Fla. Stat. § 626.112 licensure required to transact insurance.
• Fla. Stat. § 626.794 "rebating" and unauthorized referral fee prohibitions.
• Fla. Stat. § 626.9541 unfair trade practices.
• Florida Telephone Solicitation Act (FTSA, Fla. Stat. § 501.059) stringent autodialer and texting rules; affirmative express written consent required for sales calls and texts.

B.4 New York

• N.Y. Ins. Law § 2102 licensure required for insurance solicitation.
• N.Y. Ins. Law § 2114 prohibits commissions to non-licensed persons for life/accident/health.
• N.Y. Ins. Law § 2115 prohibits commissions to non-licensed persons for property/casualty.
• N.Y. Ins. Law § 2116 prohibits payment to non-licensed for any insurance referral fee.
• N.Y. Ins. Law § 2117 prohibits acting for unauthorized insurers.
• NY DFS Cybersecurity Reg. (23 NYCRR 500) may apply to Affiliate handling consumer NPI.
• NY SHIELD Act data security obligations.

B.5 Arizona

• Ariz. Rev. Stat. § 20-281 et seq. licensure for insurance producers.
• Ariz. Rev. Stat. § 20-282 referral fee exceptions: nominal, non-contingent only.

B.6 Nevada

• Nev. Rev. Stat. § 683A.201 et seq. producer licensing.
• Nev. Rev. Stat. § 683A.301 prohibits unlicensed solicitation.

B.7 New Mexico

• N.M. Stat. § 59A-11-1 et seq. producer licensing.
• N.M. Stat. § 59A-11-13 referral fee restrictions.

B.8 Colorado

• Colo. Rev. Stat. § 10-2-101 et seq. producer licensing.
• Colo. Rev. Stat. § 10-2-401 unlicensed solicitation prohibited.
• Colorado Privacy Act (CPA) opt-out preference signal honored.

B.9 Illinois

• 215 ILCS 5/500-15 et seq. producer licensing.
• 215 ILCS 5/151 prohibits commissions to non-licensed persons.
• Illinois Biometric Information Privacy Act (BIPA, 740 ILCS 14) Affiliate may not collect biometric data on Iberlux's behalf without strict consent procedures.

B.10 Georgia

• O.C.G.A. § 33-23-1 et seq. producer licensing.
• O.C.G.A. § 33-23-13 prohibits commissions to non-licensed.

B.11 North Carolina

• N.C. Gen. Stat. § 58-33-25 et seq. producer licensing.
• N.C. Gen. Stat. § 58-33-82 prohibits commissions to non-licensed persons except for nominal referral fees not contingent on placement.

Affiliate's representation: by accepting this Agreement, Affiliate represents that (i) Affiliate is familiar with the Resident State's insurance code and any state in which Affiliate markets, and (ii) Affiliate's activities under this Agreement comply with such laws. Tier 3 Affiliates expressly acknowledge that all Tier 3 Commission is for Academy referrals only and is in no way contingent upon insurance placement.

SCHEDULE C · Tier 3 Special Limitations (DO NOT DO LIST)

Tier 3 Public Affiliates: this Schedule is the central compliance document of your participation. You are an Iberlux Academy marketing affiliate. You are NOT an insurance referrer. Commission is paid only on Academy enrollments. Read carefully.

C.1 Tier 3 may NOT, under any circumstance:

1. Recommend any insurance product (life, IUL, ACA, dental, auto, final expense, supplemental, or any other);
2. Compare insurance products, premiums, carriers, riders, or coverage levels;
3. Quote, estimate, or "ballpark" insurance premiums, even informally;
4. Name specific insurance carriers in connection with Iberlux promotion (e.g., "Iberlux works with [Carrier]");
5. Discuss carrier appointments, broker-dealer arrangements, or commission structures;
6. Imply, state, or suggest that the Affiliate is licensed, appointed, certified, accredited, or authorized to discuss insurance;
7. Use titles such as "agent", "broker", "producer", "insurance advisor", "insurance consultant", "insurance professional", "asesor de seguros", "agente de seguros", "corredor de seguros", "consultor de seguros";
8. Operate any quote-request form, callback form, or chat funnel that captures consumer information for transmission to Iberlux's insurance pipeline;
9. Drive traffic to Iberlux's insurance quote pages (e.g., iberluxseguros.com/quote, /life, /aca, /auto). Tier 3 links must point only to Academy course pages (e.g., iberluxseguros.com/academy/[course-slug]);
10. Claim a free quote is available through Affiliate's link;
11. Use the words "free quote", "instant quote", "compare rates", "lowest premium", "save on insurance", or analogous phrases in promotional copy that uses an Iberlux Affiliate Code;
12. Use phone scripts, voice broadcasts, or SMS broadcasts that reference Iberlux insurance products;
13. Run paid ads that include Iberlux insurance product names, premium claims, or "savings" claims;
14. Use lead magnets branded as insurance comparison tools, premium calculators, or "cost of life insurance" guides linked to Iberlux;
15. Pose as a consumer in testimonials about insurance experiences;
16. Aggregate or co-register Iberlux insurance leads with other lead-generation programs;
17. Engage cold-callers, telemarketers, or third-party SMS networks to promote Iberlux insurance;
18. Misrepresent Academy as a licensure shortcut, guaranteed-income program, or government-affiliated training. The Academy is private continuing education and does not replace state pre-licensing requirements.

C.2 Tier 3 MAY:

1. Promote the Academy via blog, social, email, podcast, video, in-person events;
2. Share authentic personal experiences with the Academy (e.g., "I took the Iberlux Academy course on financial literacy and found X useful");
3. Use Tier-3-tagged Approved Materials from the creative library;
4. Use the proper FTC disclosure ("#ad", "#afiliado", or full sentence equivalent);
5. Refer to themselves as an "Iberlux Affiliate", "Academy student/alumnus", or "afiliado de Iberlux".

C.3 Acknowledgement

By accepting this Agreement as a Tier 3 Affiliate, Affiliate expressly acknowledges: (a) Tier 3 Commission is paid solely on Academy Net Conversions; (b) Tier 3 has no entitlement to insurance Commission of any kind; (c) violation of any item in Section C.1 is a material breach permitting immediate termination, forfeiture of unpaid Commission, and clawback of Commission paid in the prior twelve (12) months; and (d) state insurance regulators may investigate, fine, or pursue civil action against Affiliate for unlicensed insurance solicitation.

SCHEDULE D · Universal Prohibited Activities (All Tiers)

A consolidated affirmation of Section 5 prohibitions, signed by every Affiliate at onboarding:

1. No spam (CAN-SPAM, TCPA, CASL, GDPR);
2. No unsolicited calls/SMS without TCPA-grade consent;
3. No DNC violations;
4. No bidding on Iberlux brand keywords (paid search, paid social);
5. No use of Iberlux marks outside Approved Materials;
6. No false, deceptive, or misleading advertising;
7. No false scarcity or manipulative urgency;
8. No reselling, syndicating, or transferring Leads;
9. No disparagement of Iberlux or competitors;
10. No fraud, self-referrals, click farms, bot traffic, fabricated submissions;
11. No cookie stuffing, iframe stuffing, forced-click attribution manipulation;
12. No undisclosed endorsements (FTC violation);
13. No publication on adult/gambling/hate/illegal sites;
14. No representation as Medicare or government-affiliated;
15. No modification of Iberlux's TCPA or privacy disclosures;
16. No holding out as Iberlux employee or non-affiliate agent;
17. Tier 3 specific (additional): no insurance recommendations, no quotes, no carrier names, no licensed-status implication, no insurance funnel traffic.

Affiliate's electronic acceptance of this Agreement constitutes acceptance of Schedules A, B, C, and D.