Affiliate Program Agreement

1. Acceptance

By signing up at medibillsaver.com/affiliates and clicking the agreement checkbox, you (the “Affiliate”) accept this Agreement. If you do not agree, do not sign up. We may update this Agreement — material changes are emailed at least five days in advance and noted on this page with a new version date.

2. Eligibility

• You are at least 18 years old.
• You are physically located in the United States.
• You are not a competitor of MediBill Saver, an employee or contractor of a competitor, or a current MediBill Saver employee or contractor.
• You comply with all applicable laws including the FTC Endorsement Guides (16 CFR Part 255), the Trade Regulation Rule on Consumer Reviews and Testimonials (16 CFR Part 465), CAN-SPAM (15 USC §7701 et seq.), TCPA (47 USC §227), CASL (S.C. 2010, c. 23), and California Bus & Prof Code §17529.5.

3. Commissions and Payouts

Commission rates. Subject to the rules below, you earn:

• $6.00 USD flat per Single Bill audit ($19.97 one-time) referred.
• 30% recurring on Family Plan ($97/mo) and Pro Plan ($297/mo) for the first twelve (12) months of each subscription you refer. After 12 months, the commission rate becomes 0%.

Attribution. A referral is attributed to you when a visitor clicks your unique referral link, sets the first-party referral cookie, and completes a paid purchase within sixty (60) days of clicking the link. If the visitor clicks multiple affiliate links, the most-recent click wins (last-click attribution). Direct visitors and visitors whose browsers refuse the cookie (including Global Privacy Control opt-outs) are not attributed.

Hold period and clawback. Commissions are held for thirty (30) days from the date earned before becoming payable. If the underlying customer payment is refunded, charged back, or disputed within or after the hold period, the corresponding commission is voided (if not yet paid) or clawed back (if paid). Stripe Connect handles transfer reversals automatically; clawed-back amounts may produce a negative balance on your Stripe account that offsets future earnings.

Payout method and minimum. Cleared commissions are paid via Stripe Connect Express to the bank account you connect during onboarding. Payouts run automatically once your available balance reaches $25. Payouts process on the first business day of each month.

Tax forms. Stripe automatically files IRS Form 1099-NEC on our behalf for any affiliate earning $600 or more in a calendar year. You are responsible for collecting and remitting any state income tax, self-employment tax, and other taxes on your earnings. Consult a tax advisor if you are unsure of your obligations.

4. Disclosure Obligations

Material connection disclosure. You must clearly and conspicuously disclose your material connection to MediBill Saver in every piece of content that contains an Affiliate Link or that endorses, recommends, or describes the Service. “Clearly and conspicuously” means a disclosure that is difficult to miss and easily understandable, in the same medium as the endorsement, and placed before or immediately adjacent to the endorsement — not below a “read more” cut-off, not in a separate page or footer, and not solely via a platform-provided tag (Instagram’s “Paid partnership” toggle alone is not sufficient).

Acceptable language includes: “#ad,” “#sponsored,” “Paid partnership with MediBill Saver,” “I receive a commission if you sign up through my link.”

Unacceptable: “#sp,” “#collab,” “#ambassador” alone, “Thanks to MediBill Saver,” silence, or platform tags alone.

Format-specific requirements. For video content, the disclosure must be both visual (on-screen text overlay readable for the duration of the endorsement) AND audible (verbally stated at the start of the endorsement segment). For podcasts, verbal disclosure at the start of the segment containing the endorsement. For email newsletters, top of email or directly adjacent to the affiliate link. For social-media stories or TikTok, on-screen text on the frame itself.

5. Content Standards

Prohibited claims. You may not make any claim about the Service that is not substantiated by MediBill Saver’s official marketing copy. Specifically prohibited:

• “We guarantee you’ll save $X” or any specific savings guarantee;
• “Most users save $X” (unless we provide documented typical-results data, which we do not currently);
• “This will work for any bill”;
• “Our AI is better than a human auditor” or “AI lawyer”-style equivalence claims;
• “Approved by [doctor / hospital / government agency / regulator]” or any representation that MediBill Saver is endorsed by a medical authority, insurer, or government body;
• “HIPAA-compliant” representations — MediBill Saver is not a HIPAA covered entity and you must not represent otherwise;
• Any representation that MediBill Saver is a law firm, medical practice, or HIPAA-covered entity.

Personal experience claims. If you describe your own experience with the Service, the description must reflect your actual experience and may not generalize. “I saved $5,000 on my bill” is acceptable if true; “Most people save $5,000” is not.

Audience restrictions.You may not target audiences who have searched for or discussed specific medical conditions, diagnoses, or illnesses (“condition-targeted advertising”). You may not target audiences under 18 years old. You may not target audiences in the State of North Carolina or outside the United States.

6. Banned Marketing Tactics

The following are grounds for immediate termination and forfeiture of all unpaid commissions:

• Brand bidding. Bidding on “MediBill Saver,” “medibillsaver,” any variant or misspelling, or any of our trademarks on Google Ads, Bing Ads, Facebook Ads, TikTok Ads, or any other search/content advertising network.
• Typosquatting. Registering or using a domain that is a misspelling or variation of medibillsaver.com.
• Cookie stuffing. Using browser extensions, hidden iframes, popunders, or any other mechanism that drops the referral cookie without an active, intentional click by the visitor.
• Self-referral. Purchasing through your own link or arranging for friends, family, or paid agents to do so.
• Incentivized clicks or purchases. Offering rewards, cash-back, or anything of value to induce a visitor to click your link or purchase the Service.
• Spam. Sending unsolicited commercial email, SMS, calls, or messages to promote MediBill Saver, in violation of CAN-SPAM, TCPA, CASL, or any state spam law.
• Fake reviews / testimonials. Posting reviews you didn’t write, paying others for reviews, or any conduct that would violate the FTC Trade Regulation Rule on Consumer Reviews and Testimonials.
• Misrepresentation of identity or affiliation. Posing as an employee, executive, or representative of MediBill Saver.

7. Audit and Enforcement

Audit rights. MediBill Saver may, at any time and without prior notice, review your content for compliance with this Agreement and applicable law. We may use third-party brand-monitoring services to detect brand bidding, typosquatting, or undisclosed endorsements.

Cure period.If we identify a non-fatal compliance issue (e.g., disclosure placement that doesn’t meet our standard but isn’t deceptive), we will email you a written compliance notice. You must respond within five (5) business days and remediate identified issues within ten (10) business days. Repeated violations of the same kind may be treated as fatal.

Fatal violations. Section 6 banned tactics, knowingly false claims about the Service, fake reviews, undisclosed paid relationships, and conduct that exposes MediBill Saver to regulatory or class-action enforcement are grounds for immediate termination without notice or cure.

8. Termination, Suspension, and Clawback

Termination by you. You may terminate at any time by emailing affiliates@medibillsaver.com with the subject “Terminate Affiliate Account.” All cleared commissions remain payable per the standard schedule.

Termination by us. We may terminate at any time, with or without cause, by emailing you. Cleared commissions remain payable. Pending and available commissions tied to flagged conduct may be voided per Section 7.

Clawback for violations. Commissions earned during periods of compliance violation are subject to clawback. We may, at our sole discretion, withhold unpaid commissions and recover paid commissions traceable to non-compliant referrals for up to twelve (12) months following termination.

Performance-based termination. Without limiting our at-will termination right above, we may terminate any Affiliate whose 30-day refund or chargeback rate exceeds thirty percent (30%) over a minimum of five (5) attributed conversions. Upon termination under this provision, all pending and available commissions are void; commissions already cleared and paid out remain payable. Refunded and charged-back conversions never accrue commission regardless of this clause — this provision exists to terminate the ongoing relationship, not to retroactively recover commissions that the underlying conversion-state machine has already voided. We will provide written notice of the rate and the underlying conversions before terminating.

9. Indemnification, Hold Harmless, and Waiver of Subrogation

(a) Indemnification and defense. You shall indemnify, defend (with counsel of our choosing), and hold harmless MediBill Saver, LootCastPuff LLC, and our officers, members, managers, employees, affiliates, agents, contractors, successors, and assigns (collectively, the “Indemnified Parties”) from and against any and all claims, demands, suits, losses, damages, liabilities, judgments, settlements, fines, penalties, costs, and expenses (including reasonable attorneys’ fees, expert fees, and costs of defense, whether incurred at trial, on appeal, in arbitration, or in any related proceeding) arising out of, related to, or in connection with: (i) your participation in the Affiliate Program; (ii) your breach or alleged breach of this Agreement; (iii) any act, omission, content, post, communication, advertisement, endorsement, comparison, or representation made by you, including any FTC, state Attorney General, state Department of Insurance, FCC, or private-action enforcement triggered by your conduct; (iv) any spam, telemarketing, robocall, autodialer, TCPA, CAN-SPAM, or privacy liability arising from your communications; (v) any infringement or misappropriation by you of any intellectual property, publicity, defamation, or privacy right of any third party; (vi) any tax liability associated with your commissions; (vii) any injury, illness, loss, or damage suffered by you or your employees, contractors, agents, viewers, or audience in connection with the Affiliate Program; and (viii) any chargeback, refund, fraud claim, or dispute filed by an end customer that is traceable in whole or in part to your conduct.

(b) Settlement control. We may, at our option and your expense, control the defense and settlement of any claim subject to indemnification. You may not settle any claim that admits liability of, imposes any obligation on, or restricts the rights of any Indemnified Party without our prior written consent, which we may withhold in our sole discretion.

(c) Waiver of subrogation. You hereby release the Indemnified Parties from, and waive any and all rights of recovery, subrogation, contribution, indemnification, and reimbursement against the Indemnified Parties for any loss, damage, claim, or liability that is or could have been covered by any insurance policy of yours, whether or not such insurance is actually maintained or collected on. You shall obtain from each insurer a written waiver of subrogation in favor of the Indemnified Parties and shall ensure your insurance policies are endorsed accordingly. This waiver applies regardless of negligence (other than the gross negligence or willful misconduct of MediBill Saver) and survives termination of this Agreement.

(d) Insurance acknowledgement. You are solely responsible for any insurance you elect to carry. You acknowledge that MediBill Saver does not provide liability, errors-and-omissions, media-liability, or indemnity coverage for affiliates, and that any losses you incur as a consequence of participating in the Program — including but not limited to FTC penalties, state-law penalties, misleading-advertising claims, defamation claims, or privacy claims — are your responsibility alone.

9A. Releases, Waivers, and Affiliate Representations

(a) Release.To the maximum extent permitted by law, you, on behalf of yourself and your heirs, executors, administrators, successors, and assigns, release, acquit, and forever discharge the Indemnified Parties from any and all claims, causes of action, demands, suits, debts, liens, contracts, agreements, promises, liabilities, damages, losses, costs, or expenses, of every kind, whether known or unknown, suspected or unsuspected, that you ever had, now have, or may hereafter have arising out of or related to the Affiliate Program, except for: (i) the right to receive cleared commissions you have actually earned and that are not subject to clawback under Section 8, and (ii) any right that cannot be waived as a matter of law. You expressly waive the protections of any law that would otherwise preserve unknown claims, including but not limited to California Civil Code § 1542 and any similar law of any jurisdiction.

(b) Waiver of jury trial. Each party waives its right to a trial by jury in any action, proceeding, or counterclaim arising out of or related to this Agreement, the Affiliate Program, or any commission, payment, or claim hereunder.

(c) Class-action waiver. All disputes shall be resolved on an individual basis. Neither party may bring a claim as a plaintiff or class member in a purported class, collective, consolidated, mass, or representative action. The arbitrator has no authority to consolidate claims or preside over any form of class proceeding.

(d) Representations and warranties. You represent and warrant that: (i) you are at least 18 years of age and have the legal capacity to enter into this Agreement; (ii) you are a U.S. person or U.S. business, physically located in the United States, and are not located in, organized under the laws of, or a resident of any country or region subject to U.S. sanctions or comprehensive embargo; (iii) all information you provide to us is and will remain true, accurate, current, and complete; (iv) you are not aware of any pending or threatened claim, proceeding, regulatory action, or investigation against you that would be likely to interfere with your performance of this Agreement; (v) your participation in the Program will not breach any other agreement to which you are a party; (vi) you will comply with all applicable federal, state, local, and international laws, rules, regulations, and orders; and (vii) you have read, understood, and agree to be bound by every provision of this Agreement, including the indemnification, hold-harmless, waiver-of-subrogation, release, jury-trial-waiver, and class-action-waiver provisions above.

(e) Survival. Sections 6 (Banned Tactics), 8 (Termination, Suspension, and Clawback), 9 (Indemnification, Hold Harmless, and Waiver of Subrogation), 9A (Releases, Waivers, and Affiliate Representations), 10 (Confidentiality and Trademarks), 12 (Disclaimers and Limitation of Liability), 13 (Dispute Resolution), and any other provision that by its nature should survive, will survive termination or expiration of this Agreement.

10. Confidentiality and Trademarks

Trademarks.We grant you a non-exclusive, non-transferable, revocable license to use the “MediBill Saver” word mark and logo solely for the purpose of identifying the Service in your approved Affiliate content. You may not modify the marks, use them in any way that suggests endorsement of your other products or services, or register any domain or social handle containing them.

Confidentiality. Aggregate program data we share with you (commission rates, policies) is non-confidential. Anything we mark “Confidential” or that a reasonable affiliate would understand as proprietary (system prompts, internal data, pre-launch announcements) you must hold in confidence and not disclose without our written consent.

11. Independent Contractor

You are an independent contractor, not an employee, agent, joint venturer, or partner of MediBill Saver. You have no authority to bind us. You are responsible for your own taxes, insurance, and business expenses.

12. Disclaimers and Limitation of Liability

THE AFFILIATE PROGRAM IS PROVIDED "AS IS." WE MAKE NO WARRANTIES ABOUT YOUR EARNINGS POTENTIAL. ACTUAL EARNINGS DEPEND ON YOUR AUDIENCE, EFFORT, AND MANY FACTORS OUTSIDE OUR CONTROL. NO SPECIFIC EARNINGS ARE GUARANTEED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT IS LIMITED TO THE TOTAL COMMISSIONS EARNED BY YOU IN THE PRECEDING TWELVE (12) MONTHS, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER. WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES.

13. Dispute Resolution; Arbitration

Any dispute arising from this Agreement is governed by the same arbitration and class-waiver provisions in our Terms of Service Section 12, with venue in New York, New York and New York governing law. Affiliates may opt out of arbitration within 30 days of accepting this Agreement using the same procedure as in Terms §12.

14. Changes

We may update this Agreement. Material changes are emailed at least five days in advance of taking effect. Your continued participation after the effective date constitutes acceptance. If you do not accept a material change, terminate your account before the effective date.

15. Contact

Questions about this Agreement?

affiliates@medibillsaver.com
LootCastPuff LLC
980 Broadway, #550
Thornwood, NY 10594