Accurate PMR Affiliate Program Terms

Effective November 11, 2026

These Affiliate Program Terms (the "Agreement") are a binding contract between Accurate Precious Metals Refineries, Inc., an Oregon corporation doing business as Accurate PMR, 1855 Hawthorne Ave NE, Salem, OR 97301 ("Accurate PMR," "we," "us," or "our"), and the person or entity that applies to or takes part in the Accurate PMR Affiliate Program ("you," "your," or "Affiliate").

IMPORTANT: PLEASE READ THIS AGREEMENT CAREFULLY.

Arbitration. It includes a mandatory individual arbitration provision and a class-action waiver (Section 23), modeled on the dispute process in our Terms and Conditions: written notice and 60 days to resolve it first, then individual arbitration, and no lawsuits except small claims. Disputes stay confidential on both sides (Section 23.10). You may opt out of arbitration within 30 days (Section 23.9).
Come to us first. Bring Program concerns to us before raising them publicly, and do not make false or disparaging attacks on us as an affiliate. Your honest reviews as a customer are never restricted (Sections 10.5 and 15.4).
Hold harmless. It includes a release, a limit on our liability, and your agreement to hold harmless and indemnify Accurate PMR and every one of our brand websites for your promotion and conduct (Sections 19 to 21).
Credit is not guaranteed. We will make commercially reasonable efforts to credit every qualifying sale to the right affiliate. A sale may still go uncredited in circumstances including, but not limited to, when a visitor declines tracking cookies and does not use your Code, a link is blocked or disconnected, or our systems or a provider's fail (Section 7). You accept that risk, you agree that we are not liable and that you will not sue us when that happens, including for our own ordinary negligence, and verified crediting from our records is your only remedy.
Disclosure. You must clearly disclose your relationship with us every time you promote us (Section 11).
We may end it at any time. We may cancel this Agreement and close your account at any time, for any lawful reason or no reason (Section 22.2). If we do, we pay the Commission you earned, unless the reason is Disqualifying Conduct (Section 9.8). An honest customer review is never the reason (Section 10.5).
We may reuse your content. We may reuse what you publish about us or with your link or Code, including your name, image, and voice with it, on our own channels and in our ads, permanently and without extra pay, and you may not give that content to a competing buyer. Content of yours that has nothing to do with us stays entirely yours. You may ask us to stop featuring an item as Section 13.3 describes.
Purchases are paid only after every payment window closes. Commission on bullion and product purchases waits until the customer's payment can no longer be returned, reversed, or charged back (Section 8.2A).
Serious misconduct ends your participation and forfeits all unpaid Commission. If you are connected with gambling or adult content, impersonate us, commit fraud, post fake reviews (including AI-made ones), claim we are financial advisers, guarantee our prices, payouts, or returns, or engage in other serious misconduct listed in Section 9.8, your account is closed, you are permanently banned, and you are never paid any unpaid Commission, even on unrelated sales (Section 9.8).

You accept this Agreement by checking the box, clicking "I agree," or signing electronically when you apply to the Program. Using a Tracking Link, Code, or Brand Asset, or accepting any Commission, also confirms your acceptance. If you do not agree, do not apply or take part.

1. Definitions

"Program" means the Accurate PMR Affiliate Program described in this Agreement.
"Mail-in Policy" and "Market Loss Policy" mean those customer policies as published on the Brand Sites.
"Related Funds" means the funds connected with a Qualified Transaction as they settle to us in the ordinary course of our business. Related Funds are tracked per transaction, never pooled or netted across transactions.
"Brand Sites" means:
- accuratepmr.com, americagoldbuyers.com, usadiamondbuyers.com, and usasilverbuyers.com;
- every other website, landing page, app, or online property that Accurate PMR or a Related Company owns or operates now or in the future;
- every subdomain and page of any of these.
"Related Companies" means any entity that controls, is controlled by, or is under common control with Accurate PMR, and every assumed business name Accurate PMR uses. In this Agreement, "Affiliate" always means a Program participant, never a corporate affiliate.
"Accurate PMR Parties" means Accurate PMR, the Brand Sites and the businesses operating them, the Related Companies, and each of their owners, officers, directors, employees, agents, contractors, successors, and assigns.
"Tax-Form Provider" means the third-party service we use to collect affiliates' tax forms, verify taxpayer identification numbers, and file and deliver tax information returns for us. We may change providers at any time.
"Tracking Link" means a unique link to a Brand Site that we assign to you.
"Code" means a unique referral code we assign to you. A Code identifies you for credit, and it may also carry a benefit for the customer, including, but not limited to, a credit on a sale, free or upgraded shipping, or a discount, where we publish or approve one in writing. Only benefits we publish or approve exist.
"Referral Event" means the moment a customer starts a transaction with us: requesting a mail-in kit or quote, placing an order, or, for a sale that starts by phone or in our store, the customer's first call, appointment, or visit about that sale.
"Attribution Window" has the meaning in Section 6.2.
"Referred Customer" means a customer whom our records show, under Sections 5 and 6, either reached a Brand Site through your Tracking Link within the Attribution Window before a Referral Event, or gave us your Code no later than the Referral Event.
"Qualified Transaction" has the meaning in Section 8.
"Commission" means the amount payable to you for a Qualified Transaction under the Commission Schedule. It is payment for marketing and referral only, never for selling, soliciting orders, negotiating, or acting for us in any way.
"Commission Schedule" means the commission amounts, structure, Attribution Window, and payment terms for your account, provided to you in writing (including by email). It forms part of this Agreement, within the limits of Section 24.2.
"Brand Assets" means our names, trademarks, logos, photographs, videos, copy, banners, and other materials we provide or approve for the Program.
"Promotional Materials" means any content, or portion of content, that promotes, offers, endorses, links to, or identifies us or a Brand Site, including, but not limited to: a mention of us; a sponsored segment, ad read, or integration about us; any text, caption, description, pinned comment, overlay, or graphic that contains or displays your Tracking Link or Code, wherever it sits inside a larger program; and any content we paid for, scripted, or approved. All of your other content is "Editorial Content."
"Protected Terms" has the meaning in Section 12.2 and Schedule B.
"Payment Finality Period" has the meaning in Section 8.2A.
"Statement" means the monthly report we send you showing activity credited to you (Section 5.3). We send one for every month your account has activity or a balance.

2. Eligibility and application

2.1 Who may apply.

You must be at least 18 years old and the age of majority where you live, able to form a binding contract, and either a United States resident or an entity organized in the United States.
You must have a valid U.S. taxpayer identification number.
You may not be:
- on any U.S. government sanctions or restricted-party list;
- an Accurate PMR employee, or a member of an Accurate PMR employee's household;
- an agency, contractor, or vendor that Accurate PMR pays for marketing or other services, unless we agree in writing;
- a person we have previously removed from the Program;
- a person or business that owns, operates, or promotes any website, channel, account, app, or other property that features gambling, betting, casino, or sweepstakes-gaming content, or adult, pornographic, sexually explicit, or sexually suggestive content (together, "Prohibited Content").

2.2 United States only. We do business only with customers in the United States. You must direct your Promotional Materials only to audiences in the United States. You must never state or suggest that our services are available outside the United States.

2.3 Application and approval.

Approval is ours. We may approve or reject any application for any lawful reason or no reason, without explanation.
What we may ask for: information including, but not limited to, your identity, your websites and social accounts, your audience, and how you plan to promote us. The information you give must be true and complete, and you must keep it current.
When you join. Approval takes effect only when we confirm it in writing (including by email). Until then, you may not use any Tracking Link, Code, or Brand Asset.
If you are not approved. Sections 15 (confidentiality) and 23 (disputes) still apply to anything that arises from your application.

2.4 Our service providers. We run the Program ourselves. We use third-party service providers for some parts of it, including, but not limited to, the Tax-Form Provider and payment services. When you use one of their services (for example, to submit your tax form), its own terms may also apply to you. This Agreement governs your relationship with us, and it controls if the two conflict on anything between you and us. We are not responsible for a service provider's acts, omissions, downtime, or errors (Sections 7 and 19).

3. Relationship of the parties

3.1 Independent contractor.

You are an independent contractor, not an employee, agent, partner, joint venturer, franchisee, or representative of Accurate PMR or Accurate Precious Metals Refineries, Inc.
You alone decide the means, manner, timing, and content of your promotion. Our requirements concern the content of promotion, not how you run your business. Any pre-approval under Section 14.2 is used only to check legal compliance and accuracy about us, not to direct your creative choices.
Nothing in this Agreement creates a fiduciary or agency relationship.
You are responsible for all of your own costs, including, but not limited to, your expenses, equipment, staff, insurance, and taxes.
A business arrangement. You join voluntarily, as an independent business, for an optional commercial revenue-sharing arrangement. You are free not to join, to leave at any time (Section 22.2), and to promote other programs (Section 3.4).

3.2 No authority to act for us. You may not act for us in any way, including, but not limited to, doing any of the following:

make any offer, quote, price, payout, appraisal, or promise on our behalf;
accept any item, payment, or document on our behalf;
sign anything or create any obligation for us;
describe yourself as our employee, agent, representative, buyer, appraiser, or "official partner," or use any similar title;
issue a press release or public announcement about your relationship with us without our written approval;
try to resolve a customer's complaint or dispute about us, or answer questions about a specific customer's transaction.

Complaints and disputes come to us. Refer the customer to us, and tell us within 2 business days if you learn of a complaint about us. You may answer general questions about how our services work, using our current Brand Sites as your guide (Section 10.1).

You must describe yourself as an independent affiliate. You are not our employee, agent, partner, or representative, you are not a financial, investment, tax, or legal adviser for us, and you must never say or suggest otherwise. Doing so is Disqualifying Conduct (Section 9.8).

3.3 You never handle items, funds, or seller information. You must never:

take possession of, hold, ship, evaluate, test, buy, or broker any precious metal, jewelry, coin, diamond, watch, or other item for or on behalf of anyone selling to or buying from us;
collect, receive, or hold any customer's money;
collect any customer's identification, government ID, bank details, Social Security number, or other personal information on our behalf.

Every customer deals with us directly, including, but not limited to, through the Brand Sites, by phone, by mail, or in our store. Laws on buying precious metals and secondhand goods impose duties on the buyer. You are not a buyer or dealer under this Program, and you must never act as one.

3.4 Non-exclusive. This Agreement is non-exclusive for both parties. We may run other programs of any kind, including, but not limited to, affiliate, referral, advertising, or partner programs, on any terms. You may promote other businesses, including our competitors, subject to Sections 10.4 and 12.2.

3.5 No guarantee of earnings. We make no promise about the Program's results, including, but not limited to, how much you will earn, how many visitors or customers you will refer, or how long the Program will run.

4. Tracking Links, Codes, and your account

4.1 Assignment.

We will assign you one or more Tracking Links and Codes. They are personal to you, and you may not transfer, sell, or share them.
Codes work without a link. Your Code credits you even when no Tracking Link was clicked: a customer can enter it at checkout, on the kit request form or another form we designate, or give it to us by phone or in our store (Section 6.1(a)).
We may change, replace, limit, or deactivate any Tracking Link or Code at any time. We will tell you when we do, unless it is to stop fraud or misuse, or notice is not practical.
We may decline any requested Code for any lawful reason, including, but not limited to, one that conflicts with our brand, another affiliate's Code, or this Agreement.

4.2 Code leakage. We may deactivate or replace a Code that appears where you did not place it and where this Agreement does not allow it, including, but not limited to, on coupon or deal websites. That includes Codes posted by third parties. Transactions using a Code after we deactivate it do not earn Commission.

4.3 Use only as provided.

You must use Tracking Links exactly as provided. You must not alter or tamper with them in any way, including, but not limited to, masking, cloaking, or redirecting them through any other domain, or attaching any parameter we have not authorized.
Link shorteners are allowed only if they forward the visitor directly to the Tracking Link and do not set cookies or collect data on a Brand Site, such as a standard shortener like Bitly.
You must not create or use your own codes, links, or tracking methods to claim credit.

4.4 Customer benefits on Codes.

A Code carries a customer benefit only when we publish one for that Code or approve one in writing. We decide whether any Code carries a benefit, what it is, and for how long. No benefit is implied by the existence of a Code, a Commission, or a past offer.
While a published benefit is in effect, we honor it as published, with its stated conditions, for every qualifying transaction started before we withdraw it. The published offer text is the entire offer.
We may change, suspend, or end any benefit at any time by updating or removing the published offer. Changes apply to future transactions only: a transaction already started under a published benefit keeps it.
One Code per transaction. A benefit does not combine with any other offer, discount, or promotion; where more than one could apply, only one applies, as we determine. A benefit is a one-time adjustment inside the transaction it applies to, is not stored value, and has no cash value.
On a sale to us, a benefit is a fixed amount added to our final offer after evaluation. It never changes our published price schedule or any "up to" figure, and it is also subject to the promotion conditions in our Mail-in Policy, including its cap on total payout.

4.5 Account security. Keep the email account you use with us, and the accounts you use to promote us, secure. Tell us within 48 hours if you learn that any of them has been accessed without your permission, or that someone else is using your Tracking Link or Code. You are responsible for activity under your Tracking Links and Codes until you tell us.

6. Attribution

6.1 How credit is decided. Credit for a Qualified Transaction goes to one affiliate at most:

(a) A Code comes first. If the customer gave us your valid Code no later than the Referral Event, the Code decides credit. That covers the kit request form, checkout, by phone, in our store, or in another way we accept. A Code first given after the Referral Event (including, but not limited to, when the customer accepts an offer) does not count.
(b) Otherwise, the last link. If no valid Code was given, credit goes to the affiliate whose Tracking Link was the last one clicked within the Attribution Window before the Referral Event. Only tracking the visitor allowed under Section 5 counts.
(c) Our own marketing does not override you. A customer who reaches us through your Tracking Link or Code and also sees or clicks our own advertising is still credited under (a) and (b). Our own ads and marketing never take credit from an affiliate.

6.2 Attribution Window. The Attribution Window is up to 60 days from the click on your Tracking Link to the Referral Event, unless the Commission Schedule sets a different period. Because a mail-in sale can take weeks, the window is measured to the Referral Event, not to the date the customer is paid.

6.3 Existing customers. No Commission is earned on a transaction by a customer who, at the Referral Event:

had transacted with Accurate PMR or any Related Company within the previous 12 months; or
already had an open quote, kit request, or order;

unless the Commission Schedule says otherwise.

6.4 Questions about credit.

How to raise one. Raise any question about credit, status, or amount by email to [email protected].
Deadline. Raise it within 90 days after the date of the Statement for the month in which the transaction qualified, was reversed, or should first have appeared. After that, the reported figures are final and the question is waived. The deadline does not run for any month in which we did not send a Statement.
Our decision. We will investigate timely questions in good faith and decide them from our records, which are the basis for every crediting decision. Our decision is final, except that you may challenge under Section 23 whether it was made in good faith. We are not required to reconstruct tracking that did not occur (Section 7.6), and we may decline to reinvestigate questions that are repetitive or plainly unfounded.

6.5 Each transaction on its own. Unless your Commission Schedule says otherwise, a customer must use your Tracking Link or give your referral Code for each transaction, however they transact with us. If your Commission Schedule allows repeat crediting on your Code, each transaction that meets its terms is credited. A customer who transacts without your Code or link is not credited to you, and that is not our responsibility and creates no claim against us.

7. Reasonable efforts on attribution, and no liability for missed credit

7.1 Reasonable efforts. We will make commercially reasonable efforts to credit every Qualified Transaction to the correct affiliate, and to keep our Tracking Links, Code capture, and records working. That includes accepting your Code as a way to credit transactions that a link or cookie cannot track.

7.2 What can prevent credit. Attribution is not perfect. A transaction may not be credited to you, may be credited late, or may be credited to someone else, for reasons including, but not limited to:

(a) the visitor declined, did not give, or withdrew consent to tracking, or used GPC, and did not give us your Code;
(b) the visitor used a different device or browser, cleared cookies, browsed privately, or used an ad or script blocker;
(c) the visitor clicked another affiliate's link or gave another affiliate's Code;
(d) the visitor mistyped, left out, or did not give us your Code;
(e) a malformed, altered, expired, deactivated, or disconnected Tracking Link or Code;
(f) a Tracking Link that is blocked, stripped, rewritten, filtered, or broken by a browser, browser extension, app, email provider, social or video platform, link shortener, security tool, network, or internet provider;
(g) the Attribution Window ended before the Referral Event;
(h) an outage, downtime, slowdown, bug, glitch, misconfiguration, update, migration, cyberattack, delay, error, or data loss affecting our own website, servers, hosting, software, forms, checkout, or records, including one caused by our own ordinary negligence, or affecting any third-party service provider;
(i) any other cause outside our reasonable control.

7.3 YOU ACCEPT THIS RISK. You understand that tracking depends on many things, including, but not limited to, cookies, browsers, devices, networks, platforms, and systems, many of them outside our control, and that it can fail even when we use reasonable care. You accept the risk of every cause in Section 7.2 as a condition of taking part in the Program. Your Code is your safeguard: it credits you without any link or cookie (Section 6.1(a)), so ask the people you refer to give it to us.

7.4 NO LIABILITY, AND NO LAWSUITS, FOR MISSED CREDIT. To the fullest extent the law allows, the Accurate PMR Parties are not liable to you, and you will not sue or bring any claim, arbitration, or other proceeding against any of them, for any transaction that is not tracked, not credited, credited late, or credited to another affiliate for any reason in Section 7.2, including claims arising from Accurate PMR's own ordinary negligence. No Commission is earned on any such transaction unless it is credited under Section 7.5. You agree to hold the Accurate PMR Parties harmless from any such loss.

7.5 YOUR SOLE AND EXCLUSIVE REMEDY. If, within the deadline in Section 6.4, our own records show that a Qualified Transaction should have been credited to you and was not (for example, because our staff did not record a Code the customer gave us, or a technical failure on our side dropped a referral our records still show), we will credit it. Crediting a transaction that our records verify under this Section is your sole and exclusive remedy for any transaction that was not tracked or not credited. Our records are the basis for every crediting decision, and we review them in good faith.

7.6 NO RETROACTIVE OR ESTIMATED CREDIT. We will not reconstruct, estimate, model, or pay Commission on referrals our records do not show, including, but not limited to, referrals you believe were lost during an outage, a blocked or disconnected link, or any other cause in Section 7.2. Nothing outside our records establishes credit, including, but not limited to, your own click counts, platform statistics, screenshots, or third-party reports. A Statement that is not questioned within the deadline in Section 6.4 is final.

7.7 What this Section does not cover. Sections 7.3 to 7.6 do not limit Commission that our records show is earned and unpaid, our obligations under Section 7.5, or our liability for our own gross negligence, willful misconduct, or fraud, or any other liability the law does not allow to be limited.

8. Qualified Transactions

8.1 Selling to us (buy-side). A sale to us is a Qualified Transaction only when all of these are true:

(a) the customer is your Referred Customer for that sale;
(b) we received and evaluated the items, and the customer accepted our offer;
(c) we have paid the customer in full, and the payment has been completed and not reversed or returned (a payment by check is completed when our bank pays the check);
(d) the transaction passed every check we apply, including, but not limited to, identity, ownership, sanctions, anti-fraud, and regulatory checks, was not found to involve stolen, counterfeit, or misrepresented items, and no item in it was seized, confiscated, placed on hold, or taken by law enforcement or any government official, including under a stolen-property hold or investigation;
(d2) every hold period the law requires has cleared. Where the law of a state requires us to hold purchased items for a period, the sale becomes a Qualified Transaction only after that hold period has expired with the items unclaimed and unseized. This protects everyone: those holds exist so stolen property can be reported and recovered, and an item taken during its hold earns no Commission under (d);
(e) the transaction meets any minimum or category rules in the Commission Schedule; and
(f) the transaction has been credited to you in our records under Sections 6 and 7.

What does not count on its own: no preliminary step counts on its own, including, but not limited to, a kit request, quote, appointment, phone call, offer, or items shipped to us. An offer the customer declines never counts. A transaction that does not complete earns no Commission, whatever the reason, including, but not limited to, seizure or confiscation of items, an ownership dispute or legal proceeding, the customer's death or incapacity, or abandonment. Transactions with no purchase value earn no Commission, including, but not limited to, items we decline to buy, counterfeit or fake items, and transactions in which nothing of value is purchased: there is no amount to calculate one on. A transaction closed under the Mail-in Policy's held-items or abandoned-items provisions does not count unless we actually paid the customer in full.

8.2 Buying from us (bullion and products). A purchase is a Qualified Transaction only when all of these are true:

(a) the customer is your Referred Customer for that purchase;
(b) the customer paid in full, the order shipped or was picked up, and the payment cleared;
(c) the Payment Finality Period for every payment on the order has ended, and no payment was returned, reversed, recalled, charged back, disputed, or refunded;
(d) the order was not cancelled, refunded, returned, or charged back, and did not fail under the Market Loss Policy or for any other failure to perform under our Terms and Conditions;
(e) any holding period in the Commission Schedule has passed; and
(f) the purchase has been credited to you under Sections 6 and 7.

8.2A PAYMENT FINALITY PERIOD: COMMISSION WAITS UNTIL EVERY PAYMENT WINDOW HAS CLOSED.

What it is. The "Payment Finality Period" for a payment is the longest period during which that payment can still be returned, reversed, recalled, charged back, or disputed under the rules of its payment method, card network, payment processor, or bank, or under the law (including, but not limited to, federal rules for electronic fund transfers and card billing errors), together with any hold or minimum refund period in our Terms and Conditions (including, but not limited to, our holds on checks, eCheck, and ACH payments, and the 60-day minimum before an eCheck or ACH refund).
Why it exists. Many payment methods we accept can be reversed weeks or months after a payment appears to clear.
How long it lasts. It differs by payment method and can be long, from weeks for bank payments to many months for card and PayPal payments. We may set the period for each payment method in the Commission Schedule, and the longer of that period or the actual period above applies.
While it runs. The purchase stays pending (Section 8.4) and no Commission is owed. If any matter affecting a payment is open when the period would end, including, but not limited to, a dispute, reversal, or review, the purchase stays pending until the matter is finally resolved in our favor.
You agree. You agree that this delay is a condition of earning Commission on purchases, that you are not owed interest or any other amount because of it, and that it is not a late payment.

8.3 Never a Qualified Transaction:

(a) your own transactions, or those of your household or immediate family (wherever they live), your employees, or anyone acting at your direction (no self-referrals), and any transaction in which you act for the customer or the items as a trustee, executor, personal representative, guardian, conservator, agent under a power of attorney, or other fiduciary;
(b) transactions generated by fraud, incentives we did not approve, misleading claims, or any method this Agreement prohibits;
(c) transactions referred through content or a method that breaches this Agreement, while your participation is suspended, or after your participation ended;
(d) transactions with customers outside the United States, any transaction we refuse or cannot lawfully complete, and any transaction in which an item is seized, confiscated, held, or taken by law enforcement or any government official, at any time, including after Commission was paid (Section 9.5 then applies);
(e) business, wholesale, refining-account, or other business-to-business transactions, unless the Commission Schedule expressly includes them;
(f) transactions credited through referral swapping or shared economics with another affiliate (including, but not limited to, two affiliates referring each other's own customers or sales), or where our records show the customer was not genuinely referred by you, including, but not limited to, a Code recorded without the customer actually giving it;
(g) related transactions we combine: we may treat several related transactions by one customer within a 30-day period as one Qualified Transaction for Commission purposes.

What Commission is calculated on. Where Commission is calculated from a transaction amount, that amount never includes shipping, shipping-limit or higher-limit fees, taxes, other fees, payout-method premiums, or market-loss charges.

8.4 Pending status and our right to decline.

A referred transaction stays pending until it becomes a Qualified Transaction or we reject it. Pending amounts are not owed to you.
We may decline or not complete any transaction for any lawful reason. You have no claim for Commission on a transaction we decline or do not complete.

9. Commission, payment, and taxes

9.1 Amounts.

Commission is set only by the Commission Schedule, and the amounts are confidential (Section 15).
Which rates apply. Commission is calculated under the Commission Schedule in effect on the date of the Referral Event.
Changes. We may change the Commission Schedule for future Referral Events. We notify you of the change, by email or by a notice in your affiliate account, and the change takes effect when we give that notice. A change to your own promotional rate, including an extension, takes effect when you sign the new Commission Schedule we send you. The Schedule in effect on the date of a Referral Event governs that referral, so no change touches a referral already made. If you do not agree, stop taking part in the Program; continuing to take part after a change means you accept it. Section 24.1 does not apply to Commission Schedule changes.
Temporary and promotional rates. We may give you a temporary or promotional rate increase. One that states its end date or condition when it is given expires on its own terms: its scheduled expiry is not a reduction, requires no notice, and never lowers the tier or rate your own volume has earned under your Commission Schedule.

9.2 When paid.

Timing. We approve and pay Commission in U.S. dollars monthly, normally within 7 to 14 business days after the end of the month in which the transaction cleared. A Qualified Transaction clears when its Related Funds settle to us; most transactions clear when they qualify. Cleared transactions are paid in the normal cycle, within a reasonable time, even while others wait. A Commission is paid when we issue the payment, by check sent or ACH initiated; mail and bank processing times after issuance are outside our control. If a law that cannot be waived sets an earlier date for a particular payment, that law's date applies to that payment. Each payment comes with, or follows, a Statement.
Settlement governs timing only. Settlement normally follows quickly. On rare occasions, events outside our control, including, but not limited to, supply-chain delays, can substantially delay the settlement of a transaction's funds; in those rare instances the transaction stays qualified but not yet cleared, payment waits until its funds settle, and you agree to the wait and hold Accurate Precious Metals Refineries and the other Accurate PMR Parties harmless for it. Settlement sets WHEN a Commission is paid, never WHETHER: it is not a condition of our obligation to pay, it never transfers to you the risk of anyone's non-payment, default, or insolvency, and a Commission is never forfeited or reduced because settlement was delayed. We have no discretion over when settlement occurs.
Monthly minimum paid on qualification. Your Commission Schedule sets a monthly minimum. The minimum is paid in the normal cycle for the month its transactions qualified, whether or not they have cleared. A month's Commission is the greater of that minimum or the month's Commission as the Commission Schedule calculates it; as the month's transactions clear, you are paid the amount by which their Commission exceeds what has already been paid for that month. A minimum paid before a month's transactions clear counts toward that month's Commission: it is an advance against it, never an addition to it. If a transaction later fails under Section 9.5, it no longer counts toward the minimum, the month's tier, or the month's Commission, and any resulting overpayment is recovered as that Section provides.
Pending is not payable. A transaction counts toward the calendar month in which it becomes a Qualified Transaction; because completion, clearing, and the Payment Finality Period can take time, that can be weeks or months after the Referral Event. Until then the referral shows as pending, and a pending referral becomes payable only if and when it qualifies, in whatever month that happens. Completion and clearing follow the transaction and its payment methods; neither you nor we can speed them up.
Delays. We make every reasonable effort to pay promptly. A payment or a completion can be delayed by events including, but not limited to, payment-method and banking timelines, processor actions, holds under Section 9.6, and legal or regulatory requirements. A delay within this Section is not a breach of this Agreement, creates no claim against the Accurate PMR Parties, and you hold Accurate Precious Metals Refineries and the other Accurate PMR Parties harmless for it; the Commission itself remains payable as this Section provides and is not reduced by the delay.
No invoice needed. You do not need to send an invoice or a list of services; your Statement is the record of what is owed.
Minimum balance. We may set a minimum payout amount. Balances below it carry over.
Correct payment details. Keep the payment details you give us, or our payment service, correct. We are not responsible for payments delayed or lost because your information is wrong.
If you die or your business dissolves, Commission already earned is paid to your estate or lawful successor once they provide what we reasonably require.

9.3 How we pay.

We pay Commission by the payment method we offer, such as ACH bank transfer, check, or a payment service.
We never pay Commission in cash or in metal.
If a payment service makes an error after we have sent the correct amount, your recourse for that error is against the payment service, and we may help you pursue it.

9.4 Tax forms and taxes.

Tax forms go to the Tax-Form Provider only. Submit a valid IRS Form W-9, or any other form required, only through the secure link to the Tax-Form Provider that we send you. Never send tax forms or Social Security numbers to Accurate PMR by any means, including, but not limited to, email, text, mail, or in person. We will not accept them that way.
Who issues tax forms. The Tax-Form Provider verifies your taxpayer identification number and files and delivers any required Form 1099 to you and the IRS for us, as the law requires. Accurate PMR does not receive your full taxpayer identification number.
No valid form, no payment. No Commission is paid until the Tax-Form Provider confirms we have your valid tax form. Commission on a transaction becomes payable only if that confirmation arrives within 12 months after the transaction qualifies. While it is pending, we will remind you in writing at least twice, the last time at least 30 days before that period ends. Where the law nevertheless treats unpaid Commission as owed, it is reported as unclaimed property as that law requires.
Your taxes. You are solely responsible for all taxes on amounts you receive. We may withhold amounts the law requires, including, but not limited to, backup withholding.

9.5 Reversals, clawbacks, and offsets. A credited transaction fails, whenever that happens, even after Commission on it was paid, if: it is cancelled, reversed, refunded, found to be fraudulent or ineligible, or credited in error; any payment on it is returned, reversed, recalled, disputed, or pulled back by any method, including, but not limited to, a card chargeback, an ACH return or reversal, a wire recall, a voided or dishonored check, or a payment-service dispute; an item in it is seized, confiscated, or taken by law enforcement or any government official; it is unwound, rescinded, or set aside for any reason, including, but not limited to, an ownership dispute, a legal claim or proceeding, or the customer's death or incapacity; or our payment to the customer is voided, returned, or handled as unclaimed property. For a failed transaction:

we may reverse its Commission within 180 days after paying it, within 60 days after we learn of the failure (whenever the failure itself occurs), or at any time if fraud was involved;
if the Commission was already paid, we may deduct it from future Commission payouts until recovered, or require you to repay it within 30 days of our notice.

We may also offset against any Commission any amount you owe us, including, but not limited to, repayments under this Section and amounts owed under Section 21.

Failed transactions are uncommon; this Section exists for the exceptions.

9.6 Withholding during review. We may withhold Commission during a reasonable investigation of possible fraud, breach, or a legal or regulatory issue. We may withhold it for up to 90 days, or longer if a regulator, court, or law-enforcement matter requires. If no breach or fraud is found, withheld Commission is paid on the next payment cycle.

9.7 Forfeiture for breach and fraud.

If you breach Section 3.3, 5, 10, 11, 12, or 13, you forfeit the Commission on every transaction connected with the breach. A breach you fully cure within the window Sections 11.3 and 14.3 give you does not trigger this forfeiture, unless it was knowing or repeated.
If we end your participation for fraud, you forfeit Commission on every transaction affected by the fraud. We may hold all your other unpaid Commission and offset against it anything you owe us under Sections 9.5 and 21.

These rights are in addition to our other rights.

9.8 DISQUALIFYING CONDUCT: ACCOUNT CLOSURE, PERMANENT BAN, AND FORFEITURE OF UNPAID COMMISSION.

No pay after Disqualifying Conduct. Commission on a Qualified Transaction is earned when the transaction is credited to you under Sections 6 and 7, subject to Sections 9.5 to 9.8. It stays an unpaid balance until paid, and it becomes payable only if, by the date we pay it, we have not determined that you engaged in Disqualifying Conduct. Staying free of Disqualifying Conduct is a material part of this Agreement: we would not pay commission to anyone who engages in it.
"Disqualifying Conduct" means any of these, by you or anyone acting for you:
- (a) Prohibited Content: owning, operating, or promoting any property that features Prohibited Content (Section 2.1);
- (b) Impersonation: pretending to be Accurate PMR, Accurate Precious Metals Refineries, Inc., a Brand Site, or any of our owners or staff, or claiming to be our employee, agent, partner, representative, buyer, or appraiser, or to act for us or with our endorsement (Section 3.2);
- (c) Fraud: fraud of any kind, including fake, duplicated, or self-referred transactions or kit requests, stolen or false identities, cookie stuffing, or any other manipulation of tracking or Codes (Sections 5.2, 8.3, and 12.4);
- (d) Fake reviews or testimonials: creating, buying, or posting any fake review, rating, or testimonial, including one written or generated with AI, presenting an AI-generated or invented person as a real customer or staff member, or publishing a realistic AI-generated replica of any real person without that person's consent (Sections 10.5 and 10.7);
- (e) Advice and guarantees about us: claiming that we, or anyone acting for us, is a financial adviser, investment adviser, broker, fiduciary, or tax or legal adviser, or that you give such advice on our behalf; or guaranteeing, promising, or implying any guaranteed price, payout, offer, return, profit, or investment result from selling to us or buying from us (Sections 10.2 and 10.3);
- (f) Other false claims: any other knowingly false, deceptive, or misleading claim in your Promotional Materials about us, our services, our prices, or our payouts (statements outside your promotion are handled under Section 15.4);
- (g) Pressuring or exploiting a person: in connection with us, directing pressure tactics or repeated contact at any individual to induce a transaction; urging any individual to withdraw cash or to liquidate savings or retirement accounts; telling anyone to keep a sale secret or to avoid talking with family or a trusted adviser; taking unfair advantage of anyone's age, illness, or impairment; or arranging, or offering to arrange, any courier, pickup, or drop-off of anyone's items (item pickups happen only through our official process, offered by us). General statements to an audience in Editorial Content are not restricted by this item;
- (h) Posing as government, a bank, or police: pretending to be, or implying ties to, any government agency, bank, or law enforcement; saying anyone's account or money is compromised or under investigation; or using any government seal, emblem, or letterhead style, or the name or initials of the U.S. Treasury, the U.S. Mint, or any agency, to suggest government ties;
- (i) Helping anyone get around the law: suggesting that anyone split a sale or a payment, use cash in pieces, or answer identity, ownership, source-of-funds, or reporting questions in a particular way to avoid a report or check; promoting replicas or copies as genuine; or dealing with, targeting, or accepting traffic from sanctioned people or places;
- (j) False safety and tax claims: in content that promotes us, claiming that metals or collectibles are safe from seizure, cannot lose value, or are the only safe place for savings, or using tax reporting, IRS forms, privacy, or secret tax advantages as a reason to buy or sell;
- (k) Technical abuse: bots, scripts, emulators, click farms, or paid click or traffic services; VPNs, proxies, or device spoofing to hide or fake where traffic comes from; cloaking; typosquatted or look-alike domains; malware, spyware, adware, or software installed without clear consent; tampering with, blocking, or reverse engineering our tracking or another affiliate's; hacking, attacks, or unauthorized access to any site; fake leads, pre-filled or co-registration forms; or fake buyers and straw sellers;
- (l) Data abuse: buying, renting, scraping, or compiling contact lists to promote us, or keeping, selling, sharing, or reusing any customer or lead information;
- (m) Fake engagement: buying or faking followers, views, likes, comments, or other social signals, or using engagement pods, in any content that promotes us;
- (n) Harassment: harassing, threatening, bullying, or stalking anyone, including customers, our staff, or other affiliates;
- (o) Evasion and dishonesty with us: opening more than one account, rejoining after removal without our written approval, giving a false identity or location, or giving false answers to our compliance questions or refusing to cooperate after we ask (Section 14).
If we determine Disqualifying Conduct. If we determine in good faith, based on documented evidence, including, but not limited to, screenshots, links, recordings, or account records, that Disqualifying Conduct occurred at any time while you took part in the Program, then: you are not eligible for any unpaid Commission; no unpaid Commission is paid to you, including Commission on unrelated, legitimate transactions; we close your account, end this Agreement immediately (Section 22.2), and permanently ban you from the Program (Section 2.1); and Section 22.4(e) does not apply. You may challenge under Section 23 whether our determination was made in good faith.
You are not connected with us. Anyone who engages in Disqualifying Conduct has no relationship with us and no right to say they are associated with us. You must stop creating new promotion of us at once; existing content follows Section 22.4(c).
You agree to this. You understand and agree to this result, and, provided our determination was made in good faith on documented evidence, you waive and release any claim to the unpaid Commission and hold the Accurate PMR Parties harmless from any claim for it. Section 19 applies to it, and Section 21 still applies to any harm the Disqualifying Conduct causes us.
Why. Disqualifying Conduct exposes us to regulators, consumer claims, payment-partner action, and lasting harm to our reputation and our customers' trust, in ways that are hard to measure in advance. If this Section is ever treated as fixing damages, you agree it is a reasonable estimate of that harm, and it is to be enforced to the greatest extent the law allows (Section 24.7).
What this does not reach. This Section does not require you to repay Commission we already paid you on transactions unrelated to the Disqualifying Conduct, except where fraud was involved (Section 9.5). Section 9.5 still applies to any transaction that is reversed, fraudulent, or ineligible on its own terms.
Any other ending is paid. If we end your participation for any reason other than a determination under this Section, we pay Commission under Section 22.4(e), subject to Sections 9.5 to 9.7.

10. What you may say about us

The rules in this Section apply to your Promotional Materials. Your Editorial Content is your own speech. We do not commission, script, or approve it, and it is not made on our behalf. Sections 2.1, 12.3(e), 12.5(o), and 14.1 still apply to channels where you promote us. Commission pays only for referred transactions attributable to Promotional Materials; it is never payment for, or contingent on, any editorial topic, viewpoint, or theme.

10.1 Truthful claims only.

Everything you say about us must be truthful, not misleading, and reflect your honest opinion. Never claim to have sold to or bought from us unless you actually have.
Describe our services only as our current Brand Sites or our approved messaging describes them. When our messaging changes, update your Promotional Materials within 5 business days of our request.
Describe a customer benefit attached to your Code only in the published wording, with its conditions and any expiration date, and only while it is in effect. Never invent, promise, imply, or round up a benefit, present a credit as a change to our prices or payout schedule, or present any payout as guaranteed. When a benefit ends, remove or mark expired every mention of it within 48 hours.

10.2 Payout and price claims. If you mention what we pay, you must:

(a) state it only as an "up to" ceiling that we currently publish on a Brand Site;
(b) include, in substance, the qualifier we publish with it (Schedule D); and
(c) never state or imply any payout claim beyond (a) and (b), including, but not limited to, a typical, average, guaranteed, "always," "highest," "best," or "top" payout, a payout for a specific item, or a comparison with any other buyer's payout, unless we approve it in writing first.

Instead of restating any figure, you may always link to the Brand Site page that publishes it; that satisfies (a) and (b).

Never quote or estimate an offer for anyone's items.

10.3 Your opinions, predictions, and credentials.

Speak freely and honestly. You may talk about any topic, share your market views and predictions, and recommend us in your own words. Present predictions as your opinion, not as fact or a certainty, and keep every statement of fact true.
Never claim that we, or anyone acting for us, is a financial adviser, investment adviser, broker, or fiduciary, or that you advise anyone on our behalf. We are a buyer and seller of precious metals and goods, not an adviser.
Never guarantee or promise any price, payout, offer, return, profit, or investment result from selling to us or buying from us. Those claims are Disqualifying Conduct (Section 9.8).
Never use false or misleading claims to push anyone to transact with us, including, but not limited to, claims that the government will confiscate gold, that metals from us are protected from seizure, or a deadline that is not real.
Credentials. If you mention a professional title or credential when recommending us, it must be real, and your recommendation must reflect your honest judgment.
Our IRA and retirement-account services. We offer them, and you may mention them only with our prior written approval and only in wording we supply or approve. Never present them as advice or a recommendation, and never urge anyone to liquidate or move retirement funds.
Your clients. If you are a licensed professional or fiduciary and refer to us anyone you advise, represent, or owe duties to, first disclose your Commission to them as your profession's rules require. You alone are responsible for following those rules. We may decline any such referral, and Commission is never earned on a transaction described in Section 8.3(a).

10.4 Competitors. In content that promotes us, do not compare us with any competitor or make claims about a competitor, unless we approve it in writing. This does not restrict content you create about other businesses that does not promote us.

10.5 Reviews and testimonials. In connection with us, you must not engage in any deceptive review practice, including, but not limited to, any of the following:

write, post, buy, or arrange fake reviews, or paid or incentivized reviews that do not disclose the payment or incentive;
post a review that does not reflect a real experience;
present anyone's testimonial as a customer's when it is not;
suppress, discourage, or retaliate against honest reviews;
create or use a website, page, or account that presents itself as an independent review, ranking, or "best gold buyer" comparison while hiding your financial relationship with us.

Honest reviews: your customer hat. When you sell to us or buy from us, you are a customer, and our customer terms apply. Nothing in this Agreement limits what you may say as a customer about your own purchase, sale, or service experience, positive or negative, anywhere. We will never end your participation, hold back Commission, or take any other action against you because of an honest customer review. If you post one, you must disclose that you are our affiliate.

10.6 Minors. Do not target or market us to anyone under 18.

10.7 AI and likenesses.

You are responsible for all Promotional Materials however they are made, including, but not limited to, with AI tools.
Never use AI or editing to imitate the voice, face, or likeness of any Accurate PMR owner, employee, or customer.
Never present an AI-generated person as a real customer or staff member.

11. Disclosing your relationship with us (FTC rules)

11.1 Always disclose. Every time you promote us, mention us, or link to a Brand Site, in any medium, you must clearly and conspicuously disclose that you are our affiliate and may earn a commission. This follows the Federal Trade Commission's Guides Concerning the Use of Endorsements and Testimonials in Advertising and its guidance.

11.2 How to disclose. A disclosure must be:

(a) Clear. Plain words, for example: "I earn a commission if you sell or buy through my link or code," or, where your Code carries a published benefit, "I earn a commission when you use my code, and you get [the published benefit]," "Paid link," "Ad," or "#ad." "Affiliate link" on its own, or ambiguous tags, including, but not limited to, "#sp," "#partner," or "#ambassador," are not enough.
(b) Close to the claim. At or right before the endorsement, and next to or immediately before the link, Code, or recommendation. Not only in a place that is easy to miss, including, but not limited to, at the end of a long post, in comments, on a separate "disclosures" page, behind a "more" or "see more" link, or lost in a group of hashtags or links.
(c) In the format of the content:
- Video: both spoken and shown on screen, in the video itself, at or right before the endorsement, and repeated in long videos. A disclosure only in the description or caption is not enough, including on TikTok and Reels. On YouTube, also place it next to the links in the description. It must not be covered by ads or skipped by chapter or timestamp links.
- Live streams: repeated periodically during the stream or kept on screen, and also in the stream description.
- Stories: overlay text that is readable for as long as it is on screen, with clear contrast against the background.
- Audio and podcasts: spoken, before the Code or link is given.
- Image and text posts: in the image or in the caption where it is visible without tapping "more," not buried among hashtags or links.
(d) Repeated, in the same language. In every piece of content, including, but not limited to, every post, video, story, email, and page, in the same language as the endorsement. One disclosure on your profile or channel is not enough.
(e) Platform tools. Where a platform requires or offers a commercial-content setting or paid-partnership label (including, but not limited to, TikTok's commercial content setting or YouTube's paid promotion setting), turn it on. The label does not replace your own disclosure.
(f) A Code is not a disclosure. A Code or link alone does not tell your audience you are paid.

11.3 Fixing problems.

If we tell you a disclosure is missing or inadequate, fix it within 48 hours of our notice, or remove the content.
We may end your participation for repeated or serious disclosure failures.
You are responsible for your own compliance even if we do not notice a problem.

12. Links, search, and how you may promote us

12.1 Sponsored links.

On any property you control, including, but not limited to, any website, blog, or email, every link to a Brand Site must carry the rel="sponsored" attribute (or rel="nofollow sponsored"), as Google's spam policies require for paid links.
On social and video platforms where you cannot set link attributes, this rule is met by your disclosure under Section 11 and the platform's paid-partnership label where available.
Do not ask for, offer, or accept anything to place a link to a Brand Site without this attribute.
Do not take part in any link scheme involving a Brand Site, including, but not limited to, a private blog network, link exchange, or paid-link arrangement.

12.2 No brand bidding or brand impersonation. Unless we approve it in writing, you must not:

(a) bid on or buy any Protected Term as a keyword on any search, shopping, social, or display ad platform (including, but not limited to, Google, Microsoft, Meta, YouTube, TikTok, and Amazon), or use one in ad copy or a display URL. Add the Protected Terms as negative keywords in any campaign that promotes us;
(b) register or use any domain name, subdomain, account handle, username, app name, or page or channel name that contains a Protected Term or anything confusingly similar;
(c) create pages or profiles designed to intercept people who are looking for us directly, including, but not limited to, a "[brand] login," "[brand] phone number," or "[brand] coupon codes" page;
(d) imitate the look of a Brand Site, or frame, mirror, or copy any Brand Site content;
(e) run any paid advertising that mentions us or links to a Brand Site.

What is allowed. Organic, disclosed content may use our names in post and video titles, captions, and hashtags (for example #AccuratePMR), may review your own experience, and may mention your Code. Section 12.2(b) applies to names of accounts, domains, apps, pages, and channels, not to individual posts or videos.

Protected Terms are listed in Schedule B, plus any others we notify you of in writing.

12.3 Prohibited channels and methods. Do not promote us through any prohibited channel or method, including, but not limited to:

(a) coupon, deal, rebate, cash-back, or loyalty websites or apps, unless we approve the placement in writing;
(b) incentivized traffic, meaning paying or rewarding people to click, request a kit, sign up, or transact (other than an offer we approve);
(c) unsolicited messages of any kind, including, but not limited to, email, text messages, calls, ringless voicemail, direct messages, or comments. Any email that promotes us must comply with the CAN-SPAM Act, the TCPA, and state email and texting laws, must have a truthful, non-misleading subject line, and may go only to recipients who agreed to receive messages from you. You may not send any text message that promotes us without our prior written approval;
(d) robocalls, autodialers, or artificial or prerecorded voices;
(e) content that is unlawful, defamatory, obscene, hateful, violent, or discriminatory, or that infringes anyone's rights, or websites and channels that carry such content;
(f) content about cryptocurrency schemes, "get rich" offers, firearms, or drugs, placed alongside promotion of us;
(g) misleading or deceptive practices of any kind, including, but not limited to, fake news formats and fake endorsements by public figures;
(h) content placed on third-party websites to exploit their search ranking ("parasite" content or site reputation abuse);
(i) sub-affiliates, lead resellers, or networks, unless we approve them in writing. You remain fully responsible for anyone you allow to promote us;
(j) selling, renting, or brokering leads or referral data.

NO GAMBLING OR ADULT CONTENT, EVER. You may never promote us through, and may not take part in the Program while you own, operate, or promote, any website, channel, account, app, or other property that features Prohibited Content (Section 2.1), whether or not it mentions us. There are no exceptions and we do not grant approvals for it. It is Disqualifying Conduct (Section 9.8).

12.4 No fake activity. Do not submit, or cause or encourage anyone to submit, any kit request, order, quote request, or other activity that is false, duplicated, made without genuine intent to transact, or made to generate Commission, and do not encourage a customer to split one sale into several transactions to increase Commission (Section 8.3(g)).

12.5 Other prohibited practices. Unless we approve it in writing, you must not:

(a) Hidden or low-quality traffic: use link shorteners or redirects that hide our destination or your source; or use push notifications, new-tab or pop-under ads, native or arbitrage traffic, domain-parking traffic, banner farms, keyword stuffing, or comment spam;
(b) Offline promotion after we object: keep promoting us in print, mailers, flyers, radio, TV, or in-person pitches after we ask you to stop. You may promote us offline otherwise, and if we object to where or how you promote us, we may require you to remove it (Section 22.4(c)) or end your participation (Section 22.2);
(c) Other people's spaces: post your links or Code in groups, forums, comments, or pages you do not own without the owner's permission, on classified-ad sites, or on our own social pages, reviews, or customer forums;
(d) Our name as the sender: send email or run ads that use our name in the sender name, From line, subject line, or ad title, or that look like they come from us;
(e) Price and offer claims: quote our buy prices, spreads, or comparisons to spot unless shown live from our site with the time, advertise offers, products, or payouts we do not currently offer, use false reference pricing, or create false scarcity or urgency, including, but not limited to, countdown timers;
(f) Item claims: describe the karat, fineness, weight, grade, rarity, or authenticity of any item, or call any item "rare," "investment grade," or "IRA approved," except in wording we supply;
(g) False expertise and buying advice: claim expertise, a title, or a credential you do not have in connection with us, or tell anyone what, when, or how much to sell to us or buy from us;
(h) Affinity and personal-attribute targeting: use political, religious, or other group identity to build trust in our offers, use our name in any political endorsement, campaign, or cause, or run ads that say or imply you know an individual viewer's personal or financial situation (including, but not limited to, "Retired and worried?");
(i) Financing talk: mention or suggest financing, leverage, margin, or buy-now-store-later arrangements;
(j) AI and altered media: publish realistic AI-generated or altered images, voice, or video without a clear label, or any that shows a real person, customer, staff member, or event that did not happen (using a real person's likeness this way is Disqualifying Conduct under Section 9.8(b) or (d));
(k) Our data and sites: scrape or use automated tools on our sites, prices, or portal, or put our data, creative, or customer information into AI tools without our written approval (see also Section 13.2);
(l) Your own site's privacy: operate a site that promotes us without an accurate privacy notice that discloses its cookies, pixels, and opt-outs;
(m) Platform rules: break the rules of any platform you use to promote us, including its paid-promotion and branded-content rules. Losing an account for a violation while promoting us is a breach;
(n) Account sharing: resell, rent, or share your account, login, Tracking Links, or Codes;
(o) Hate and discrimination: publish or appear alongside content that attacks or discriminates against people based on race, color, religion, sex, national origin, disability, sexual orientation, gender identity, or age, or place our promotion alongside alcohol, tobacco, or vaping content;
(p) Abusive legal process: send false takedown notices, baseless legal demands, or harassing subpoenas to us or anyone in the Program.

We never approve the conduct in (o) or (p), or anything unlawful.

The spirit of these terms. Any practice that misleads customers or gets around these rules is a breach even if it is not listed. If you are unsure whether something is allowed, ask us first.

13. Brand Assets and intellectual property

13.1 Limited license.

While you are in good standing in the Program, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use the Brand Assets we provide, only to promote us under this Agreement.
Use them as provided. You may resize them proportionally. You must not otherwise alter, crop, animate, recolor, or combine them with other marks, or create new logos or derivative marks from them.
Follow any brand guidelines we provide.
We may withdraw any Brand Asset at any time. Stop using it within 5 business days of our notice.

13.2 Ownership.

All Brand Assets, the Brand Sites, and our names, trademarks, and goodwill belong to Accurate PMR or its licensors. Your use creates no ownership right, and all goodwill from your use belongs to us.
Do not register, or try to register, any name or registration, including, but not limited to, any trademark, business name, domain name, or account handle, that contains or resembles a Protected Term.
Do not use Brand Assets, Statements, or any other Program materials we provide to train, fine-tune, or improve any AI model.

13.3 WE MAY REUSE WHAT YOU CREATE ABOUT US.

You keep ownership. You own the Promotional Materials you create. This Section gives us a license; it does not transfer ownership.
"Program Content" means any video, post, story, reel, short, live stream or recording, podcast, blog post, review, photo, or other content you publish while you take part in the Program that mentions, tags, links to, shows, or promotes us, a Brand Site, or our products or services, or that uses, displays, or carries your Tracking Link or Code. Your other content is yours alone: this Section never reaches content on your channels that has nothing to do with us.
The license. You give us a non-exclusive, worldwide, royalty-free, fully paid license to use, copy, store, display, perform, stream, distribute, publish, edit, crop, excerpt, caption, subtitle, translate, reformat, and combine Program Content with other material, including, but not limited to, on our websites, apps, social media accounts, emails, newsletters, paid and organic advertising, presentations, trade shows, print, and point of sale, in any media now known or later developed, with no further payment to you. We may let our service providers, agencies, and advertising platforms use it only to do this work for us, and the license transfers with a sale of our business.
How long. The license is permanent, subject only to rights the law does not allow you to give up, and it continues after you leave the Program for content you published while you were in it. We may keep archive, compliance, and records copies indefinitely.
Not for our competitors. You keep ownership and may keep Program Content on your own channels and profiles, but you will not license, sell, or give Program Content to any other precious metals or jewelry buyer, dealer, or refiner, or let one use it, and you will not grant anyone rights in Program Content that conflict with ours.
Copies on request. On request, you will give us a copy of any Program Content in the best quality you have.
Content we commission. If we ask you to create specific content for us, a separate written addendum governs it and may give us stronger rights, including exclusive ones.
Edits. We may edit for purposes including, but not limited to, length, format, captions, disclosures, and translation, but we will not change your words or the overall impression of an edit so that it misstates your opinion or experience. You waive any moral rights in Program Content to the extent the law allows. We may credit you by name or handle, but we do not have to.
Boosting from your own account. We may run Program Content as an ad from our own accounts. Running it from your account or handle (for example as a partnership ad, Spark Ad, or YouTube partnership ad) happens only through an authorization you give in that platform, for the period you choose there. Account-level access, exclusivity, or paid use from your handle for more than 90 days per post requires a separate written addendum, which may include a fee.
YOUR NAME, IMAGE, LIKENESS, AND VOICE. You give us permission to use your name, handle, image, likeness, voice, and the bio you approve, together with Program Content, including in advertising, for the same period as the license. You grant this permission, and the license above, in exchange for your admission to the Program, including your Tracking Link, Code, access to Brand Assets, and the opportunity to earn Commission, whether or not any Commission is ever earned, and both are irrevocable except as this Section provides. The license attaches to the content itself, including copies we hold, not to your live post; deleting or hiding your post does not end it. When we feature Program Content in our marketing, we include a disclosure of our relationship. We will not use them apart from your content, create an AI-generated replica of you, or alter your image or voice to show you saying or doing something you did not, without your separate written consent.
Other people, minors, and music. You promise that every identifiable person in Program Content gave permission, and you will give us copies of their written releases on request. Program Content may not show an identifiable minor unless we hold a signed release from a parent or guardian. Music, artwork, logos, or footage that you use under a platform license or someone else's license is not licensed to us, and we may remove or replace it before we reuse your content.
Honest endorsements. Your statements must be your honest opinions and real experiences, and any fact you state must be true. Tell us promptly if you no longer hold a view you expressed, no longer use our services, or a statement has become inaccurate; the "Required" track below then applies. We may stop using any Program Content at any time. No Commission ever depends on whether your content is positive.
When we stop featuring an item. "Featuring" means placing an item in an ad, on a page our ads link to, or in a prominent position on our websites. "Archival presentation" means a page or section that shows the item's original date clearly and is not promoted by ads.
- Required: if you tell us in writing which item, and which statement in it, no longer reflects your views, that you no longer use our services in a way the item describes, or that a factual statement in it is wrong, we will stop featuring that item within a reasonable time. Federal advertising law requires this.
- Discretionary: for any other written request, including, but not limited to, for your safety, a legal risk, a third-party claim, or a person in the item withdrawing consent, we may stop new uses at our discretion.
- Otherwise: leaving the Program, or any other reason, does not by itself require removal, and the license continues.
- What stays: after any removal, an item may remain in forms including, but not limited to, archival presentation, compliance and records copies, and already-distributed materials we do not control.
- How to ask. A request must identify each item and where it appears (for example a link or page address). A general request to remove "everything" is not a valid request, and we have no duty to search for items you do not identify. We act on a valid Required request within a reasonable time.
- Come to us first. A request under this Section is your sole route for any concern about our use of your content. You agree not to bring any claim over our use of an item unless you first made a valid Required request for it and we did not stop within a reasonable time.
Your promises. You own or control all rights in Program Content, it does not infringe anyone's rights or violate any law, including, but not limited to, privacy, publicity, or advertising law, and you obtained every release it needs. Section 21 applies to any claim arising from a breach of these promises.
Monitoring copies. Separately from the license above, we may view, archive, and reproduce any of your Promotional Materials for purposes including, but not limited to, monitoring, compliance, records, and legal defense.

14. Monitoring, records, and cooperation

14.1 Review of your promotion.

We may monitor, review, and record any Promotional Materials, and any public website, channel, or account you use to promote us, at any time and without notice.
Within 5 business days of our request, you must give us:
- a list of every place you promote us;
- copies of your Promotional Materials;
- your traffic sources, and any ad accounts used to promote us;
- any other information we reasonably need to confirm compliance.

New places. Tell us before you begin promoting us through a material new website, channel, or account that was not in your application or in your most recent update to us.

14.2 Pre-approval. We may require you to submit some or all Promotional Materials for approval before publishing. Approval is not a statement that the content is lawful, and it does not relieve you of responsibility for it.

14.3 Takedowns.

Remove or correct any Promotional Material within 48 hours of our request, unless another Section gives you longer.
For content we identify as unlawful, deceptive, or unsafe, act within 24 hours.

14.4 Records. Keep records of your Promotional Materials, disclosures, and traffic sources for at least two years after you publish them, and give them to us on request.

14.5 Tell us about charges and investigations. Tell us within 5 business days if you are charged with, or a regulator takes action against you for, fraud, theft, financial crimes, or elder abuse. We may suspend your participation while the matter is pending.

15. Confidentiality

15.1 What is confidential. Information we give you that is not public is our confidential information. That includes, but is not limited to:

Commission amounts, your Statements, and the Commission Schedule;
our costs, margins, pricing, the data, inputs, and calculations behind any Commission, and the payment and settlement status and timing of any transaction, and anything derived or calculated from them;
performance data, reports, and non-public terms;
our business plans, any customer information, and any information marked or reasonably understood as confidential.

15.2 Your obligations.

Use it only to take part in the Program.
Do not disclose it except to your own advisors who are bound to keep it confidential.
Protect it with at least reasonable care. Never publish or post any of it, online or anywhere else.
Return or destroy it when we ask or when your participation ends.

A breach of this Section can cause us harm that money cannot fully repair. You agree that we may seek injunctive relief to stop or prevent a breach (Section 23.6), and you are responsible for the damages your breach causes us (Sections 19.3 and 21).

These obligations last during your participation and for three years after it ends. For customer information, they last indefinitely.

15.3 What this does not prevent. Nothing in this Agreement, including Sections 15, 15.4, and 23.10, prevents you from:

disclosing information the law, a subpoena, or a court order requires you to disclose;
reporting possible violations of law to, filing a complaint with, or cooperating with any government agency (for example the FTC, the CFTC, the SEC, or a state attorney general), without telling us first;
discussing or disclosing sexual harassment, sexual assault, discrimination, harassment, or other conduct you reasonably believe is unlawful;
telling your lawyers, accountants, tax advisers, insurers, or immediate family, if they keep it confidential;
posting an honest customer review (Section 10.5); or
disclosing that you are our affiliate and earn a commission (Section 11).

Trade secret notice. Under 18 U.S.C. § 1833(b), you are not liable under any federal or state trade-secret law for disclosing a trade secret:

in confidence to a government official or an attorney, solely to report or investigate a suspected violation of law; or
in a sealed filing in a lawsuit or other proceeding.

15.4 COME TO US FIRST, AND NO FALSE STATEMENTS.

Come to us first. If you have a concern about the Program (including, but not limited to, Commission, tracking, payouts, the rules, or how we treated you as an affiliate), email [email protected], and give us the chance to address it before you raise it publicly. A formal dispute must follow Section 23.
No false or disparaging attacks. While you take part in the Program and for 12 months after, you will not make false or misleading statements of fact about us or the Program, and you will not publicly attack or disparage us in your role as an affiliate, for example in your promotional content, affiliate channels, or in recruiting other affiliates. Defamation is never allowed.
Both ways. We will not make false statements of fact about you. This does not limit us from stating that a person is not, or is no longer, our affiliate.
What stays free. You may always share honest opinions and true facts, and you are never required to say anything positive about us. This Section does not apply to honest customer reviews (Section 10.5) or to anything in Section 15.3.
Consequences. A breach of this Section allows us to end your participation (Section 22.2) and refuse to let you rejoin. It does not, by itself, forfeit Commission already earned, and no fixed damages apply. Either party may ask a court to protect confidential information.

16. Compliance with laws

16.1 General. Comply with every law and regulation that applies to your participation and your Promotional Materials, including, but not limited to:

the FTC Act and the FTC's endorsement and consumer-review rules;
state consumer-protection and unfair-practices laws;
the CAN-SPAM Act, the TCPA, and state telemarketing and texting laws;
state privacy and data-security laws;
U.S. sanctions and anti-bribery laws;
advertising and intellectual-property laws.

16.2 Precious-metals rules. Never take part in, facilitate, or ignore any effort to evade the laws on precious-metals transactions, including, but not limited to:

an effort to sell us stolen, counterfeit, or misrepresented items;
an effort to avoid identity, record-keeping, or reporting requirements;
an effort to structure transactions.

Tell us promptly if you learn of any such activity involving a customer you referred.

17. Your representations and warranties

You represent and warrant, now and throughout your participation, that:

(a) all information you have given us and our service providers is true, complete, and current;
(b) you have the right and authority to enter into this Agreement, and if you act for an entity, you are authorized to bind it;
(c) you and your Promotional Materials comply with this Agreement and all applicable laws;
(d) you own or have the rights to every website, channel, and account you use, and to all content in your Promotional Materials;
(e) you are not subject to sanctions and are not acting for anyone who is;
(f) you have not been banned from, or terminated for fraud by, another affiliate program in the last three years, unless you told us in writing before approval;
(g) you do not own, operate, or promote any property that features Prohibited Content (Section 2.1), and you will not while you take part in the Program.

18. Disclaimers

The Program, the Brand Sites, tracking, Statements, and all Brand Assets are provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express, implied, or statutory, including, but not limited to:

merchantability, fitness for a particular purpose, title, and non-infringement;
any warranty that tracking, Statements, or the Brand Sites will be accurate, complete, uninterrupted, or error-free.

No promise about the Program itself. We make no promise about the Program, including, but not limited to:

that the Program will continue;
that any Commission level will remain available; or
that our services will be available in any particular state or for any particular item.

19. Release and covenant not to sue

19.1 RELEASE. To the fullest extent the law allows, you release the Accurate PMR Parties from all claims, known or unknown, including claims arising from Accurate PMR's own ordinary negligence, arising from or related to:

(a) any transaction not tracked, not credited, credited to another affiliate, or credited late for any reason described in Section 7.2, including, but not limited to, any technical failure, outage, glitch, or blocked or disconnected Tracking Link;
(b) any act, omission, error, outage, or decision of a third-party service provider;
(c) any change to, suspension of, or ending of the Program, the Commission Schedule, a Tracking Link, or a Code made under this Agreement;
(d) any good-faith decision we make under Sections 6.4, 8, or 9 about crediting, Commission, or your participation, including, but not limited to, declining to credit a transaction or rejecting, reversing, or withholding Commission.

This release never reaches your claims as a customer about your own transactions with us; those stay under our customer documents (Section 24.2).

If you live in California, you waive Civil Code Section 1542, which states: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party." You also waive any similar law of any other state.

19.2 COVENANT NOT TO SUE. You will not bring, join, or fund any lawsuit, arbitration, or other claim against any Accurate PMR Party on any claim released in Section 19.1. If you do, you will pay the reasonable attorney fees and costs the Accurate PMR Party incurs because of it, to the extent the law allows.

19.3 What this does not cover. This Section does not cover Commission that our records show is earned and unpaid, our obligations under Section 7.5, our gross negligence, willful misconduct, or fraud, or any other claim the law does not allow to be released.

20. Limitation of liability

20.1 No indirect damages. To the fullest extent the law allows, the Accurate PMR Parties are not liable to you for any indirect, incidental, special, consequential, exemplary, or punitive damages, even if we were told they were possible. That includes, but is not limited to:

lost profits, lost revenue, lost business opportunity, or lost commissions (other than Commission properly earned and unpaid);
lost data, or harm to reputation or goodwill;
the cost of substitute programs.

20.2 Cap. To the fullest extent the law allows, the Accurate PMR Parties' total liability to you for all claims arising from or related to this Agreement or the Program is limited to the greater of:

(a) the Commission we actually paid you in the six (6) months before the event giving rise to the claim; or
(b) one hundred U.S. dollars ($100).

This limit applies regardless of the legal theory, including negligence. It does not reduce Commission that is properly earned and unpaid.

Exceptions. Sections 20.1 and 20.2 do not limit liability for our gross negligence, willful misconduct, or fraud, our use of your name, image, likeness, or voice beyond what Section 13.3 permits, or any other liability the law does not allow to be limited.

20.3 Basis of the bargain. These limits are an essential part of this Agreement. We would not offer the Program without them.

21. Hold harmless and indemnification

21.1 You hold us harmless. You agree to hold harmless the Accurate PMR Parties, including Accurate PMR, every Brand Site, and the businesses that operate them, from all claims, demands, actions, liabilities, damages, losses, fines, penalties, settlements, judgments, costs, and expenses (including, but not limited to, reasonable attorney fees, expert fees, and costs of investigation), to the extent they arise from or relate to:

(a) your Promotional Materials, or anything you or anyone acting for you does or fails to do in connection with the Program or your promotion of us;
(b) your breach of this Agreement; or
(c) your violation of any law.

What this does not cover. It does not cover a matter to the extent it arises from an Accurate PMR Party's own products, services, offers, payments to customers, website operation, or handling of customer data, unless you caused or contributed to it.

21.2 You defend and indemnify us. You will defend and indemnify the Accurate PMR Parties against every matter described in Section 21.1, including, but not limited to, any arising from or related to:

(a) your Promotional Materials, websites, channels, accounts, ads, emails, texts, and calls;
(b) your breach of this Agreement or any representation or warranty in it;
(c) your violation of any law, including, but not limited to, FTC, privacy, CAN-SPAM, TCPA, consumer-protection, sanctions, and intellectual-property laws;
(d) any failure to disclose your relationship with us;
(e) any claim that your content or conduct infringes or misappropriates anyone's rights, or is defamatory or misleading;
(f) any statement, promise, quote, or representation you make about us, our payouts, our prices, or our services that we did not approve;
(g) any act of anyone you allow to promote us, including sub-affiliates;
(h) your negligence, willful misconduct, or fraud;
(i) your taxes, and any claim by your employees, contractors, or anyone claiming through you, including any claim that you or your personnel are our employees.

21.3 Control of the defense.

We may choose our own counsel, or assume and control the defense of any matter described in Section 21.1, at your expense. You must cooperate fully.
You may not settle any matter that affects any Accurate PMR Party without our prior written consent.

21.4 Survival. This Section survives the end of your participation and of this Agreement.

22. Term, suspension, and termination

22.1 Term. This Agreement starts when we approve your application and continues until either party ends it.

22.2 Ending participation.

WE MAY END THIS AGREEMENT FOR ANY REASON. We reserve the right to cancel this Agreement, end your participation, and close your account at any time, for any lawful reason or no reason, with or without cause, by notice by email. We do not need to explain why. Ending it this way creates no liability for us, other than paying Commission under Section 22.4(e).
You may also leave at any time, for any reason, by notice by email.
Immediate suspension or termination. We may suspend or end your participation immediately, without advance notice, in circumstances including, but not limited to, where:
- we believe you have breached this Agreement;
- we believe you have acted fraudulently or unlawfully;
- we believe you have harmed, or risked harming, our reputation or customers;
- we determine that you engaged in Disqualifying Conduct (Section 9.8), including any connection with Prohibited Content (Section 2.1);
- your public conduct is likely to bring us into public disrepute, or you are charged with or found responsible for fraud, theft, financial crimes, or elder abuse; or
- a law, regulator, or payment partner requires it.

22.3 Ending or changing the Program. We may suspend, change, or end the Program for everyone at any time, with notice by email. Ending the Program counts as ending every affiliate's participation under this Section 22, and Section 22.4, including 22.4(e), applies to each affiliate.

22.4 When participation ends:

(a) Your license to use Brand Assets in new Promotional Materials ends. Promotional Materials you published before the end date may stay up, with their Tracking Links, Codes, and Brand Assets, unless we ask you in writing to remove them.
(b) You must stop presenting yourself as a current affiliate or as connected with us, and end any paid ad campaign that mentions us, within 5 business days.
(c) Removal on request. However your participation ends, including after a determination under Section 9.8 or a breach, we may require you to remove some or all Promotional Materials, Tracking Links, Codes, and Brand Assets by written notice, and anything we do not identify may stay up. You must remove what we identify within 5 business days of the notice.
(d) No Commission is earned on any Referral Event after the end date. Your Tracking Links and Codes may continue to forward visitors to our sites, and we may deactivate or redirect them at any time.
(e) We will pay Commission on transactions whose Referral Event happened before the end date and that become Qualified Transactions within 90 days after it, plus, for a transaction still inside its Payment Finality Period or a holding period on day 90, the time left in that period. Your final balance is paid even if it is below any minimum payout. This bullet is subject to Sections 9.5 to 9.7, and it does not apply if your participation ended because of a determination under Section 9.8.

22.5 Survival. These survive any end of this Agreement:

Section 1, Sections 3.1, 3.2 (last two bullets and the paragraphs after them), and 3.3;
Sections 5.3 and 6.4, and Sections 7 to 9 (for transactions whose Referral Event happened before the end date);
Sections 12.2 and 12.5(d), for 12 months after the end date;
Section 13.1 (last bullet), Sections 13.2 and 13.3, and Sections 14 and 15;
Sections 17 to 21, Section 22.4, and Sections 23 and 24;
any accrued payment or repayment obligation.

23. Dispute resolution and governing law

DISPUTE RESOLUTION. This Section is modeled on our Terms and Conditions: a written notice and 60 days to work it out first, then binding individual arbitration, with no class actions and no court cases except where this Section allows (such as small claims). Where you are also our customer, your own customer transactions follow the dispute section of our Terms and Conditions (Section 24.2).

23.1 Informal resolution first.

The notice. Before starting arbitration or any court proceeding, the party raising a dispute must send the other a written Notice of Dispute that includes:
- the sender's name and contact information;
- the affiliate account ID;
- a description of the dispute;
- the specific relief sought.
Where to send it. Notices to us go to the address in Section 24.4.
60-day period. For 60 days after the notice is received, both parties will try in good faith to resolve the dispute, including by phone or video call on request. Neither may begin arbitration or litigation during that period, and deadlines to bring a claim are paused.
Individual notices only. A notice filed for more than one person, or a substantially identical form notice filed in bulk, does not satisfy this Section.

23.2 Mandatory individual arbitration.

What it covers. Any dispute, claim, or controversy arising from or related to this Agreement, the Program, or any Commission must be resolved by final and binding individual arbitration, not in court. That includes, but is not limited to, the formation, interpretation, breach, termination, or validity of this Agreement.
Rules and place. Arbitration is governed by the Federal Arbitration Act and administered by the American Arbitration Association under its Commercial Arbitration Rules, or by JAMS under its comparable rules if the AAA is unavailable. It is held before a single arbitrator, in Salem, Oregon, or by remote proceedings.
Who decides what. The arbitrator decides all issues, including arbitrability, except that only a court may decide the enforceability of the class and representative waiver.

23.3 Fees.

Claims under $25,000 that you start: you pay no more than $250 in filing fees, and we pay all other administration and arbitrator fees.
Arbitration we start: we pay all administration and arbitrator fees.
Otherwise, fees follow the applicable rules.
Attorney fees: each party pays its own, except under Section 19.2, where a statute or the rules require otherwise, or where the arbitrator finds a claim or defense was frivolous or brought for an improper purpose.

23.4 Class and representative waiver.

You and we each waive any right to bring or take part in a class, collective, consolidated, or representative action or arbitration.
The arbitrator may award relief only to the individual party seeking it.
If the waiver is found unenforceable as to a claim, that claim alone proceeds in court rather than in arbitration. It never proceeds as a class, consolidated, or representative arbitration. Any such claim, and any claim for public injunctive relief the law does not allow to be waived, is stayed until the individual arbitration ends.

23.5 Coordinated filings.

Staged handling. If 25 or more similar arbitration demands are filed against us by or with the help of the same or coordinated counsel or organizations, they proceed in stages:
- up to 10 chosen by the claimants' counsel and up to 10 chosen by us go first;
- the rest are stayed, with filing fees deferred and deadlines paused;
- after the first group ends, the parties mediate the rest in good faith before any further demand proceeds.
If mediation does not resolve them, the remaining demands for which a proper Notice of Dispute was received may proceed in court under Section 23.7.

23.6 Exceptions. Either party may:

(a) bring an individual claim in small-claims court; and
(b) seek a temporary restraining order, injunction, or other equitable relief in court to stop actual or threatened misuse of its trademarks, other intellectual property, or confidential information.

Either party may also seek temporary or preliminary relief in court to stop a breach of Section 5, 12, 13, or 15 while an arbitration is pending.

23.7 Governing law and venue.

Law. This Agreement is governed by the laws of the State of Oregon, without regard to conflict-of-law rules.
Venue. Any matter not subject to arbitration must be brought in the Circuit Court of the State of Oregon for Marion County, or the United States District Court for the District of Oregon. You consent to their jurisdiction and venue.
Jury waiver. To the extent a dispute proceeds in court, both parties waive trial by jury to the fullest extent the law allows.
State law that cannot be waived. If a law of the state where you live that cannot be waived does not allow a pre-dispute jury waiver, or requires a different venue, that law applies, but only to that extent.

23.8 One-year limit. Any claim arising from or related to this Agreement must be brought within one year after it arises, or it is permanently barred. This applies to both parties and is paused during the informal-resolution period. If you live in Texas, the period is two years. If the law of the state where you live does not allow this period to be shortened by agreement, that state's own limitations period applies.

23.9 Arbitration opt-out.

Window. You may opt out of this arbitration agreement within 30 days after you sign this Agreement or, if you never sign it, after you first accept it.
How. Email [email protected] with your full name, your affiliate account ID if you have one, and a clear statement that you opt out of arbitration.
Effective on sending. Your opt-out takes effect when you send that email to the address above. It needs no confirmation of receipt and no response from us.
Effect. Opting out does not affect any other part of this Agreement, including Sections 23.1, 23.4 as applied in court where the law allows, 23.7, 23.8, and 23.10.

23.10 CONFIDENTIAL PROCESS, BOTH WAYS. To protect the personal information of other affiliates and customers and the terms of the Program, both you and we will keep confidential the filings, evidence, hearings, settlement discussions, and award in any informal resolution or arbitration under this Section. Either party may still disclose them: to enforce, confirm, or challenge an award; when the law, a court order, or a regulator requires it; to the people listed in Section 15.3; and to possible witnesses, as needed to prepare a claim or defense. You are always free to describe what happened to you, and Section 15.3 always applies.

24. General provisions

24.1 Changes to this Agreement.

How we change it. We may change this Agreement at any time. We notify you of the change, by emailing you the updated version or by a notice in your affiliate account telling you it has been updated and where to read it, and the change takes effect when we give that notice, unless it states a later date.
If you do not agree, you may leave the Program. Continuing to take part after a change takes effect means you accept it, including as to your future referrals and transactions.
Not retroactive. No change applies to any claim that arose before it takes effect, or to Commission on any transaction whose Referral Event happened before it takes effect. A change to Section 23 applies only to disputes about events after the change takes effect.
Commission Schedule changes follow Section 9.1 instead.

24.2 Entire agreement and order of precedence.

This Agreement, the Commission Schedule, the Schedules below, and any brand guidelines we provide are the entire agreement between you and us about the Program. They replace any earlier statements, and no statement made to you during the Program changes this Agreement or creates any promise unless it meets Section 24.8.
If the Commission Schedule conflicts with this Agreement, the Commission Schedule controls only for Commission amounts and structure, the Attribution Window, existing-customer rules, holding periods, Payment Finality Periods (only to make them longer, Section 8.2A), payment timing, minimum payouts, and the post-termination period. This Agreement controls everything else.
Customer transactions are governed by our Terms and Conditions, Mail-in Policy, and Privacy Policy, not by this Agreement. If you are also our customer, your own transactions with us, and any dispute about them, stay under the dispute-resolution terms of our Terms and Conditions.
As between you and us, Section 23 governs every dispute about the Program, your participation, or any Commission, even if you are also our customer or the dispute also concerns a Brand Site.

24.3 Assignment.

You may not assign or transfer this Agreement, your account, or any Commission without our written consent.
We may assign this Agreement to any Related Company, or to a successor to our business, without your consent.

24.4 Notices.

To you: to the email address you gave us in your application, or a newer one you tell us about in writing.
Legal notices to us (a Notice of Dispute or other legal correspondence): by email to [email protected] with confirmation of receipt, or by certified mail, return receipt requested. An arbitration opt-out follows Section 23.9 alone and needs no confirmation of receipt. Mail goes to Accurate Precious Metals Refineries, Inc., Attn: Affiliate Program, 1855 Hawthorne Ave NE, Salem, OR 97301.
Everyday questions go to the channel in Section 6.4 or 24.10.

24.5 Electronic acceptance. Accepting this Agreement electronically, by checking a box, clicking "I agree," or signing electronically, including, but not limited to, through an electronic signature service or by executing an acknowledgment that incorporates this Agreement, is as binding as a handwritten signature. We keep a record of the version you accepted and when.

24.6 Force majeure. Neither party is liable for a delay or failure caused by events beyond its reasonable control, including, but not limited to, acts of God, fire, flood, epidemics, war, terrorism, civil unrest, labor strikes, failures, outages, or suspensions of banking, wire, ACH, card, or settlement systems or of a payment processor (where not caused by the affected party's own financial condition), market or trading disruptions, carrier and supply-chain disruptions, utility and internet failures, and governmental actions. A party's own lack of funds is never a force-majeure event. During such an event the affected obligations are suspended, not extinguished: performance, including payment of Commission already earned, resumes as soon as reasonably practicable, and the delay is not a breach and is not a ground to end this Agreement. This does not excuse your obligations under Sections 3.3, 5, 10 to 13, and 21.

24.7 Severability. If a court, arbitrator, or regulator finds any provision invalid or unenforceable, that provision is narrowed to the minimum extent needed, or severed if it cannot be narrowed, and only where and as applied to the extent of that finding. The rest of this Agreement remains in full force. If a release, limit, or waiver in this Agreement (including, but not limited to, Sections 7, 19, and 20) is found too broad, it is to be enforced to the greatest extent the law allows, not set aside entirely.

24.8 No waiver. A waiver is effective only if it is in writing and signed by an authorized Accurate PMR representative. Our failure to enforce a provision is not a waiver.

24.9 Interpretation.

Headings are for convenience.
"Including" means "including without limitation."
Where this Agreement says "we may," the decision is ours, in our sole discretion.
Examples never limit the general words they illustrate, and lists introduced by "including" are never exhaustive.
We make decisions that affect your Commission in good faith.

24.10 Contact. Questions about the Program: [email protected] or (503) 400-5608.

Schedule A: Commission Schedule

Provided to you in writing (including by email). Not reproduced here.

The Commission Schedule states:

Commission amounts and structure (including, but not limited to, a flat amount per Qualified Transaction, possibly tiered by category or transaction size);
the Attribution Window (Section 6.2);
existing-customer rules (Section 6.3);
the holding period for purchases, and the Payment Finality Period for each payment method (Sections 8.2 and 8.2A);
payment timing and any minimum payout (Section 9.2);
the post-termination period (Section 22.4(e));
any per-transaction Commission cap;
any customer benefit attached to your Code, and its terms;
any categories that are included or excluded.

Schedule B: Protected Terms

The Protected Terms include, but are not limited to, each of the following, with or without spaces, punctuation, or ".com", in any capitalization, and their common misspellings and close variations:

Accurate Precious Metals;
Accurate Precious Metals Refineries;
Accurate PMR;
APMR;
accuratepmr;
America Gold Buyers / americagoldbuyers;
USA Diamond Buyers / usadiamondbuyers;
USA Silver Buyers / usasilverbuyers;
the name or domain of any other Brand Site we notify you of in writing;
any of these combined with words including, but not limited to, "coupon," "promo," "code," "discount," "review," "reviews," "login," "near me," "phone," "address," "hours," or "mail in."

The names may be used in organic content as Section 12.2 allows. This Schedule governs paid advertising and the names of accounts, domains, apps, pages, and channels.

Schedule C: Disclosure examples

Acceptable:

YouTube (spoken and on screen at or right before the endorsement, and next to the links in the description): "Quick note: I'm an affiliate of Accurate PMR. If you sell your gold to them using my link or code, they pay me a commission."
Instagram Reels or TikTok (said or shown in the video, in the caption where it shows without tapping "more," plus the platform's commercial-content label): "#ad: I earn a commission when you sell to Accurate PMR with my code GOLDSARAH."
Stories (overlay text, readable while on screen): "Ad: I earn a commission if you use my code."
Live stream (said periodically or kept on screen, and in the stream description): "I'm an Accurate PMR affiliate and earn a commission on sales through my link or code."
Blog (directly next to the link): "Paid link: I earn a commission if you sell or buy through this link."
Podcast (spoken before the code): "I'm an Accurate PMR affiliate, and I earn a commission when you use my code."

Only say a company "sponsors" your channel or episode if it has actually agreed to sponsor it.

Not acceptable (including, but not limited to):

"#affiliate" alone, or "#sp," "#partner," or "#ambassador."
A disclosure only at the end of a long post, in a "see more" section, lost in a group of hashtags, or on a separate disclosures page.
A video with a written disclosure only in the description or caption.
A disclosure only in the comments.
A Code or link shown with no disclosure.
A disclosure in a different language from the post.

Schedule D: Approved payout wording

If you mention payouts, use only wording we currently publish on a Brand Site, as an "up to" ceiling, together with its qualifier.

Jewelry and scrap (example structure):

Accurate PMR pays up to [published ceiling] of market value on [category]. Market conditions, supply and demand, market and industry liquidity, and global markets all play a very large role in payouts, along with purity, condition, and volume, so payouts can vary significantly and no rate is guaranteed. Every item is individually evaluated against the live market.

Bullion (example structure):

Accurate PMR pays up to [published ceiling] of spot on [bullion category]. Market conditions, supply and demand, market and industry liquidity, and global markets all play a very large role in payouts, along with product type and volume, so payouts can vary significantly and no rate is promised or guaranteed.

Never use any word that suggests a guaranteed or typical payout, including, but not limited to, "guaranteed," "always," "highest," "best," "top," "typical," or "average" about payouts.

Shipping limits. If you mention how mail-in shipments are handled, use only the wording we currently publish on a Brand Site, for example "Free shipping, limits up to $100,000*" together with its footnote. Never say any word that suggests insurance, including, but not limited to, insurance, insured, coverage, covered, premium, policy (except as the name of our Mail-in Policy), protection, protected, or any guarantee against loss, and never state a dollar figure without its footnote on the same post, page, or video. Where there is no room for the footnote (including, but not limited to, a text message or a short caption), use no figure at all: "free shipping both ways" with a link to our Mail-in Policy.

Execution

Where this Agreement is signed through an electronic signature service, the Affiliate executes it below. Acceptance by checkbox under Section 24.5 is equally binding. Accurate PMR accepts this Agreement by approving your application under Section 2.3.

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