General Provisions

1.1. The affiliate program is intended for individuals and legal entities who wish to recommend our product/service and receive a reward for referred clients.
1.2. Participation in the program is voluntary and free of charge.

Registration and Participation

2.1. To participate, you need to register in the affiliate program and obtain a unique referral link. Submit an application to join (link to the form page).
2.2. Each partner is required to provide accurate data upon registration.
2.3. The administration reserves the right to refuse registration without giving reasons, either at the time of reviewing the application or at a later stage.


Commission for partners

3.1. The partner receives a commission of 5 % of the amount of the client’s paid order, where the client was referred via the partner’s referral link.
3.2. The commission amount depends on the partner’s level.
3.3. A referral is assigned to the partner for 30 days from the moment they click the partner’s referral link.
3.4. Payments are made once the minimum threshold of 200 EUR is reached.
3.5. The commission can be claimed only within 12 months from the date it was credited.
3.6. Payments are transferred to a bank account on a monthly basis.
3.7. Clients are eligible for commission calculation for the current month only if they signed the contract at least 3 months ago.
This procedure is due to the specific workflow of insurance companies: the partner’s commission is credited only after the client’s payment is received and the transaction is confirmed by the insurer.
3.8. Taxation.
Each commission amount will always be considered inclusive of VAT, unless otherwise agreed in writing.
3.8.1. If the participant is registered as a self‑employed person or a company, they are obliged to issue a valid tax invoice for each commission due, which must include:

• the relevant tax base;
• the applicable VAT (21 %);
• withholding of income tax (IRPF) at the rate of 15 %, or 7 % if applicable.

3.8.2. The agent undertakes to:

• withhold the relevant IRPF on each payment;
• remit these withholdings to the tax authority via the quarterly Form 111;
• report them in the annual return using Form 190.

3.8.3. If the participant is not registered as self‑employed or is not a legally registered company, they will not be able to receive commissions until they have resolved their tax and legal status.
3.8.4. The participant bears sole responsibility for fulfilling their tax, labour, and social security obligations, thereby releasing the agent from any liability arising from non‑compliance with these obligations.

Partner Obligations

4.1. Promote the product using honest and lawful methods.
4.2. Do not use spam mailings or engage in aggressive or misleading advertising.
4.3. Do not represent yourself as an official company representative.
4.4. Comply with brand guidelines when using promotional materials.

Restrictions

5.1. It is prohibited to use the affiliate program for personal purchases (self‑referral).
5.2. It is prohibited to place referral links on websites containing illegal or offensive content.
5.3. In case of a violation, the partner may be excluded from the program without receiving any commissions.

Liability of the Parties

6.1. The Company shall not be liable for any losses incurred by the Partner due to inability to access the platform.
6.2. The Partner is responsible for compliance with the legislation of the country where they carry out promotion activities.

Amendments to the Terms

7.1. The Company reserves the right to amend the program terms. The current terms are available in the Partner’s Dashboard and on the website.
7.2. Continued participation after the terms have been amended shall be deemed acceptance of the new rules.