Referral Program Terms

These Referral Program Terms ("Referral Terms") are an agreement between you and CERTA ITIN LLC ("Certa," "we," "us," or "our"). They apply when you enroll in, use a link or code from, or receive a commission through the Certa Referral Program (the "Program").

Our Terms of Service and Privacy & Financial Information Notice also apply. If these Referral Terms conflict with the general Terms of Service on a Program issue, these Referral Terms control for that issue. You must accept the version presented during enrollment before participating.

You must be at least 18, have legal capacity to enter a contract, and provide accurate enrollment and payout information. Your country of residence determines the payout methods that may be available. Certa may require identity, tax, sanctions, fraud, or payout verification before enrollment, approval, or payment.

Program participation does not make you an employee, agent, tax preparer, acceptance agent, franchisee, joint venturer, or legal representative of Certa or Toa Tax Professional. You may not bind either business, speak on its behalf, manage an applicant's account, or provide tax, legal, immigration, or CAA services through the Program.

Certa may provide a personal referral link or code. It is for your use and may not be sold, transferred, altered, impersonated, or placed through deceptive redirects, cookie stuffing, automated traffic, unsolicited bulk messages, or bidding on Certa trademarks without written permission.

A referral is attributed using Certa's server records, which may include the referral link or code, a signed cookie, account-creation data, and payment records. The attribution period and any last-click or other attribution rule shown in the Program offer apply. Attribution is not guaranteed when a person blocks or deletes cookies, changes devices, uses another referral, already has an account, or does not complete the qualifying action within the stated period.

The referred customer must create and control their own Certa account, provide their own information, accept the applicable terms, and pay Certa directly. You receive no right to their identity, contact details, documents, tax information, application status, or communications with Certa.

The reward amount, qualifying purchase, attribution period, holding period, minimum payout, currency, and payout schedule displayed in your referral dashboard or enrollment offer form part of these Referral Terms. Unless an offer expressly says otherwise, only the first successful Certa service purchase by a genuinely new customer may qualify, and a household or family order counts as one referred customer.

A displayed commission is provisional until all eligibility, review, holding-period, and payout conditions are satisfied. Link visits, applications started, pending card authorizations, tax-funding transfers, refunded or disputed payments, duplicate or self-referred accounts, test transactions, and fraudulent or manipulated activity do not qualify. Certa does not guarantee that any referral will convert, qualify, be approved, or produce a particular amount of income.

Pending commissions may become approved only after the applicable payment clears and the stated holding period expires. An approved commission becomes payable on the next applicable payout cycle only if your account remains eligible and your payout setup is complete. The Program is not a deposit account or wallet, and balances do not earn interest.

Your statements must be truthful, based on your genuine experience, and consistent with Certa's current approved materials. You may not:

• guarantee ITIN approval, processing time, a refund, a tax result, or referral earnings;
• claim that you, Certa, or Toa Tax Professional are the IRS, part of the IRS, or endorsed by the IRS;
• represent yourself as a CAA, Acceptance Agent, tax professional, lawyer, immigration adviser, or Certa employee unless you separately hold and clearly identify the applicable credential or relationship;
• collect applicant passwords, identity documents, tax information, or payment on Certa's behalf;
• use false reviews, misleading urgency, spam, harassment, discriminatory targeting, or unlawful advertising; or
• offer an undisclosed markup, rebate, prize, or incentive connected to a referral.

Whenever you recommend or promote Certa and could receive a commission, clearly and conspicuously disclose that financial relationship close to the recommendation and referral link. A suitable plain-language disclosure is: "I may earn a commission if you use my link and pay for Certa's service." A disclosure hidden in a profile, terms page, hashtag list, or link label alone may be inadequate. You are responsible for following the advertising and endorsement laws that apply where you post and where your audience is located.

Certa may review referrals before or after approval using account, payment, device, address, behavioral, and other fraud-prevention signals. We may request information reasonably needed to verify eligibility. We do not have to reveal security controls, confidential signals, or another customer's personal information.

We may reject or cancel a commission for ineligibility, self-referral, duplicate attribution, refund, chargeback, payment failure, false or misleading promotion, Program manipulation, legal or sanctions risk, material breach, or error. If a commission was already paid, Certa may create a negative adjustment against future commissions or seek repayment where permitted by law. We will provide a reason at an appropriate level of detail and a way to contact support about a decision.

Certa may use the country associated with your internet connection to prefill your country of residence. You must correct it if it is inaccurate, including when you are traveling or using a proxy or VPN. We may compare declared, connection-derived, tax, identity, and payout-destination countries for fraud, sanctions, eligibility, and payout review. Your declared country becomes locked after your first qualifying commission; later changes require support review.

Certa may use Stripe-hosted recipient onboarding or another approved provider to collect identity, tax, sanctions, and payout details. Where hosted onboarding is offered, you submit bank or other payout credentials directly to the provider, and its terms and privacy notice also apply. Completing onboarding does not guarantee that the provider will approve or continue supporting your country, currency, account, or payout method.

Applicant services may be available in places where referral payouts are not. Supported payout countries, currencies, methods, minimums, fees, conversion rates, verification requirements, and transfer times depend on Certa's provider access and may change. Certa does not promise worldwide payouts. We may delay a payout while verification, fraud review, a dispute, sanctions screening, or a provider issue remains unresolved.

If a payout fails, you must correct your payout details through the approved process. Certa may offer another lawful method, but is not required to support a method or country that is unavailable, excessively costly, or creates unacceptable legal or operational risk.

You are responsible for determining, reporting, and paying taxes, duties, charges, or other obligations arising from your commissions. Certa does not provide tax advice to Program participants. You must provide requested tax forms or certifications, which may include a Form W-9 or an applicable Form W-8, before payment. Certa may withhold, report, or remit amounts when required by law and may pause payouts until required documentation is complete.

Your dashboard and Certa's records show commission and payout status. Notify support promptly if you believe a record is wrong. Keep your own records and payout confirmations.

You may stop participating at any time. Certa may suspend or terminate your participation for breach, fraud risk, legal or provider requirements, inactivity, reputational or security risk, or discontinuation of the Program. During suspension, links may stop attributing referrals and pending or approved commissions may be held for review.

Termination does not eliminate commissions already paid. Subject to fraud, error, reversal, sanctions, tax-document, and legal-review requirements, Certa will process eligible commissions approved before termination. Unqualified or merely pending commissions do not become payable because participation ends.

Certa may change the reward, qualification rules, attribution period, holding period, payout schedule, supported countries, providers, or other Program terms prospectively. Material changes will be posted or communicated through the dashboard or email, and renewed acceptance may be required.

A change will not retroactively reduce a commission already marked approved, except to correct an error or address fraud, refund, chargeback, sanctions, tax, or legal requirements. Certa may end the Program, but will handle approved commissions under the preceding section.

The warranties, liability limits, governing law, informal dispute process, and other generally applicable provisions in the Terms of Service apply to the Program. To the extent permitted by law, Certa is not responsible for lost attribution caused by blocked cookies, third-party platforms, incorrect links, provider unavailability, bank delays, currency movement, or conduct outside Certa's reasonable control. Non-waivable rights remain unaffected.