Finelib Affiliate Program: Terms and Conditions

These terms are an agreement between you and FineLib Technologies Ltd ("Finelib", "we"). You must accept them to join, and again whenever we update them. We record the version, date, time and IP address of each acceptance.

1. Accepting these terms

• By ticking the agreement boxes when you join, you confirm that you have read and accept these terms, that you understand this is not employment, and that you will never collect money from clients.
• We may update these terms. We will tell you on WhatsApp or by email at least 14 days before a material change applies, and you must accept the new version to keep using your account. If you do not accept, you may close your account.

2. Independent affiliate, not employment

• Being a Finelib affiliate is not employment. Nothing in this program creates an employment, agency, partnership or joint-venture relationship between you and Finelib.
• You receive no salary, wages, allowances or employee benefits. You earn only commission on eligible, paid sales as described in these terms.
• You decide your own hours and methods within these rules, and you pay your own costs (transport, data, printing).
• You may not call yourself a Finelib employee, staff member, officer, agent or representative, wear or produce Finelib uniforms or ID cards, or sign anything on Finelib's behalf. Introduce yourself as "an independent Finelib affiliate".
• You are responsible for declaring your own income and paying any tax due.

3. Joining and your account

• You must be 18 or older and receive payment into a Nigerian bank account in your own name or your registered business's name.
• Joining is free. We review every application and may accept or decline it.
• One account per person. Do not open accounts in other people's names or share a bank account with another affiliate.
• Give true details and keep your WhatsApp number, email and bank details up to date. Keep your password private; you are responsible for activity on your account.

4. Clients register and pay only on finelib.com

• Every client must register, sign up and pay only on finelib.com (for listings: www.finelib.com/business), or by transfer to Finelib's official bank account shown on finelib.com.
• You must never collect cash, bank transfers to your own or anyone else's account, POS payments, airtime, cheques or any other form of payment from a client, even if the client asks you to.
• Do not fill in paper or private forms that replace Finelib sign-up, issue receipts, resell packages, change prices or offer discounts or free extras that Finelib has not approved.
• You may help a client sign up on their own phone or computer at finelib.com, but the client completes the sign-up and payment themselves.
• Collecting money from clients is treated as fraud. We will close your account and any unpaid commission is forfeited.

5. What you earn

You earn 30% of the amount Finelib receives for each eligible package you refer:

Commission is calculated on the amount actually paid, after any discount. Basic Listing is one-time, so its commission is paid once.

6. Recurring commission on renewals

• Each time a business you introduced renews its Enhanced or Top Listing, you earn 30% of the renewal payment.
• Renewals are credited to the affiliate who introduced the client. The client does not need to use your link again.
• Renewal commission is paid for as long as your affiliate account is active and in good standing. If your account is closed, renewal commission stops, including renewals made later.
• If a client does not renew, its listing falls back to a permanent Basic Listing and no renewal commission is due. If the client renews later, you earn again.
• You may use the Finelib partner portal (www.finelib.com/partner.php) to maintain your clients and plan renewals. Keep client information confidential and use it only to serve those clients.

7. What counts as a successful referral

• The business opens your referral link (or scans your QR code) and pays for a package on finelib.com within 30 days, or enters your affiliate code on the finelib.com sign-up form, or quotes your affiliate code when paying Finelib by transfer.
• If a business used more than one affiliate's link, the first affiliate within the 30-day window is credited. A code the business enters itself takes priority over a link. If two affiliates claim the same sale, Finelib credits in this order: the code entered on the finelib.com sign-up form, then the code in the bank transfer narration, then the referral link. Finelib's decision is final.
• Finelib has confirmed the payment in its own account.
• Not eligible: your own business or businesses you own or control; purchases by you, your household or other affiliates; businesses already on a paid Finelib package when referred; orders that are refunded, cancelled, charged back, unpaid or duplicated; and orders that break these terms.

8. Sale status and cancellations

• Pending: recorded, waiting for payment confirmation. Approved: confirmed. Paid: sent to your bank. Rejected: not eligible; we tell you why.
• Cancellations: Finelib receives payment before a listing is activated, so commission is approved only on paid orders. If an order is cancelled or found to break these terms before the commission is paid, the commission is cancelled. We may hold an unpaid commission while we check unusual activity.

9. Payment

• Approved commission is paid by bank transfer in Naira on the last day of each month: the 30th or 31st, or the 28th (29th in a leap year) in February.
• The minimum payout is ₦5,000. Smaller balances roll over until they reach the minimum.
• We pay only to the bank account in your profile, in your name. If you change it, we may hold that month's payout while we verify the change with you on WhatsApp.
• Finelib pays standard transfer charges.

10. How you may promote Finelib

• Use the links, banners and wording we provide, or your own honest descriptions of Finelib services.
• Describe packages accurately. Never promise a number of customers, search or AI rankings, or results Finelib has not approved.
• Keep affiliate links as provided. They are marked nofollow and sponsored; do not remove these tags or disguise links.
• Mark social posts that contain your link, for example with #ad or "affiliate link".
• Only contact people who are happy to hear from you, and respect requests to stop.

11. Prohibited practices (affiliate abuse)

The following are not allowed. Each one is a serious breach of these terms.

1. Collecting money: taking cash or any payment from clients, or asking them to pay anyone other than Finelib.
2. Impersonation: claiming to be Finelib staff, an agent or representative; creating websites, pages, WhatsApp groups or social accounts that look like official Finelib ones.
3. Cookie stuffing and forced clicks: loading your link in hidden frames, images, pop-ups or redirects, or any method that tracks a visitor who did not knowingly click your link.
4. Click fraud: fake or automated clicks, bots, click farms, or asking people to click without real interest.
5. Incentivised clicks or sign-ups: offering money, airtime, gifts or rewards for clicking your link or signing up, unless Finelib approves it in writing.
6. Self-referral and collusion: buying through your own link or code, or arranging purchases by family, friends or other affiliates in order to earn commission, including purchase-and-refund schemes.
7. Fake or duplicate accounts: more than one affiliate account per person, accounts in other people's names, or several affiliates sharing one bank account.
8. Fake businesses or stolen details: registering businesses that do not exist, or using someone's details without their permission.
9. Brand bidding and typosquatting: bidding on "Finelib" or misspellings in Google, Facebook or other paid adverts; registering domains or usernames that contain "Finelib" or look like it.
10. Attribution hijacking: using browser extensions, toolbars or apps to insert your link, or persuading clients introduced by another affiliate to switch to your code.
11. Spam: unsolicited bulk SMS, email or WhatsApp messages, adding people to groups without permission, or posting where promotion is not allowed.
12. Misleading claims: false statements about Finelib, its packages, prices, results or this program, including promising guaranteed income to recruit others.
13. Unauthorised discounts or changes: creating your own offers, prices or bundles, or editing Finelib banners to say something different.
14. Misusing client data: sharing, selling or using client information for anything other than helping them with Finelib.
15. Prohibited places: promoting Finelib on adult, gambling, hateful, illegal or misleading websites or groups.

12. Monitoring

To protect clients and honest affiliates, we monitor activity on the program, including clicks, IP addresses, browser information, timing, sales, refunds, shared bank accounts and the details of referred customers. Hidden or automated clicks and repeated clicks from the same visitor within 24 hours are not counted. We may contact you or your clients to verify a sale.

13. If you break these terms

Depending on how serious the breach is, we may do any of the following, without notice:

• Give a warning, or hold commission while we investigate.
• Reject or cancel the unpaid commission involved.
• Suspend or close your account. Closure stops your links and all renewal commission, and unpaid commission is forfeited when the closure is for fraud or breach.

14. No targets or territories

There are no sales quotas and no exclusive territories. You may refer businesses anywhere in Nigeria. Earnings depend on your own effort and are not guaranteed.

15. Ending the agreement

You may leave at any time by messaging us on WhatsApp or emailing [email protected]. We may suspend or close an account at any time. When an account is closed for any reason, its links stop tracking and renewal commission stops, including renewals made later. If the closure is not for fraud or breach, approved commission above the minimum is paid in the next cycle.

16. Your data

We store your contact details, bank details, acceptance records and referral activity to run the program, prevent abuse and pay you, in line with the Nigeria Data Protection Act 2023. We do not sell your data.

17. General

Our liability to you is limited to commission properly due under these terms. If any part of these terms cannot be enforced, the rest still applies. These terms are governed by the laws of the Federal Republic of Nigeria.

Questions? Chat with us on WhatsApp or email [email protected].