CREDORA CONSULTING LIMITED
AFFILIATE & REFERRAL PARTNER PROGRAMME
TERMS AND CONDITIONS
Effective Date: 01.09.2026
These Affiliate & Referral Partner Programme Terms and Conditions (“Terms”) govern participation in the Credora Consulting Affiliate & Referral Partner Programme (“Programme”) operated by Credora Consulting Limited (“Credora”, “we”, “us” or “our”).
By applying to, registering for, or participating in the Programme, you (“Affiliate”, “Referral Partner”, “you” or “your”) agree to be bound by these Terms.
Please read these Terms carefully before participating in the Programme.
1. About the Programme
1.1 The Programme allows approved individuals, businesses, professionals and organisations to introduce prospective clients to Credora Consulting Limited.
1.2 Where a qualifying referral becomes a paying client of Credora, the Affiliate may receive commission in accordance with these Terms.
1.3 The current standard commission is 20% of qualifying fees actually received by Credora from the referred client for the first 12 months of that client’s relationship with Credora, subject to the exclusions and conditions contained in these Terms.
1.4 Participation in the Programme does not guarantee that an Affiliate will receive any commission. Commission is only earned where all applicable qualifying conditions have been satisfied.
1.5 Credora reserves the right to accept or reject any application to participate in the Programme at its discretion.
2. Definitions
For the purposes of these Terms:
“Affiliate” means an individual, business, professional or organisation approved by Credora to participate in the Programme.
“Referred Client” means a new client introduced to Credora by an Affiliate who meets the qualifying referral requirements under these Terms.
“Referral” means a genuine prospective client introduced to Credora through an approved referral method or tracking mechanism.
“Qualifying Fees” means fees for Credora’s services that are actually received by Credora from the Referred Client, excluding VAT, refunds, credits, chargebacks, discounts, rebates, reimbursed expenses, third-party costs, disbursements, pass-through amounts and any other amounts that Credora reasonably determines do not constitute qualifying service revenue.
“Commission” means the amount payable to an Affiliate under the Programme.
“Referral Period” means the first 12 months from the date the Referred Client first becomes a paying client of Credora, unless otherwise agreed by Credora in writing.
3. Eligibility
3.1 The Programme is open to individuals, companies, partnerships, professionals and organisations that are legally entitled to participate in commercial referral arrangements.
3.2 Affiliates must provide accurate and complete information when registering for the Programme.
3.3 Credora may carry out reasonable checks before approving an Affiliate.
3.4 Credora may refuse, suspend or terminate an Affiliate’s participation where it reasonably believes that the Affiliate has breached these Terms, applicable law, regulatory requirements or Credora’s standards.
3.5 Affiliates must be at least 18 years old if participating as an individual.
4. Referral Requirements
4.1 A referral must be submitted through Credora’s approved referral process, referral form, tracking link, referral dashboard or another method approved by Credora.
4.2 The Affiliate should provide sufficient information to allow Credora to identify and contact the prospective client.
4.3 The Affiliate must not submit false, misleading, incomplete, duplicate or fabricated referrals.
4.4 A referral will only qualify where the prospective client is genuinely new to Credora.
4.5 A prospective client will generally not qualify as a Referred Client where, before the referral:
a. the prospective client is already an existing Credora client;
b. Credora is already providing services to the prospective client;
c. Credora is already in active discussions or negotiations with the prospective client;
d. the prospective client has already submitted an enquiry directly to Credora;
e. the prospective client has previously been referred by another Affiliate; or
f. the prospective client is already recorded in Credora’s sales, prospect or CRM system.
4.6 Where more than one Affiliate claims the same prospective client, Credora will determine attribution based on its records and the available evidence. Unless Credora determines otherwise, the first valid and verifiable referral recorded by Credora will take priority.
4.7 Credora’s determination regarding referral attribution will be final, subject to the Affiliate’s right to raise a genuine dispute supported by evidence.
5. Commission Rate
5.1 The standard commission payable under the Programme is 20% of Qualifying Fees actually received by Credora from the Referred Client during the first 12 months of the client’s relationship with Credora.
5.2 Commission is calculated on amounts actually received by Credora and not merely on invoices issued.
5.3 No commission is payable on unpaid, overdue, written-off or cancelled invoices.
5.4 Commission is not payable on VAT.
5.5 Commission is not payable on:
a. VAT;
b. refunds;
c. credits;
d. chargebacks;
e. discounts or rebates;
f. reimbursed expenses;
g. third-party fees;
h. disbursements;
i. pass-through costs;
j. amounts collected on behalf of another party; or
k. any other amounts that do not represent qualifying revenue from Credora’s services.
5.6 Credora may change the standard commission rate for future referrals by giving reasonable notice to Affiliates. Changes will not retrospectively alter commissions that have already been earned.
6. Commission Period
6.1 Commission is payable for a maximum period of 12 months from the date the Referred Client first becomes a paying client of Credora.
6.2 Unless otherwise agreed in writing, commission does not continue beyond the first 12 months.
6.3 If a Referred Client stops using Credora’s services during the 12-month Referral Period, no further commission will accrue unless the client subsequently makes another qualifying payment within the applicable Referral Period.
6.4 Credora does not guarantee the length, value or continuation of a Referred Client’s engagement.
7. Payment Policy
7.1 Commission payments are made quarterly, on the last day of each calendar quarter, subject to the conditions in these Terms.
7.2 The calendar quarters are:
- Quarter 1: 1 January – 31 March
- Quarter 2: 1 April – 30 June
- Quarter 3: 1 July – 30 September
- Quarter 4: 1 October – 31 December
7.3 Commission is only payable where the underlying client payment has actually been received and cleared by Credora.
7.4 An invoice issued to a client does not, by itself, create an entitlement to commission.
7.5 Where a client’s payment is received after the relevant quarter-end, the associated commission will be considered for payment in the next applicable quarterly payment cycle.
7.6 Credora may withhold payment where:
a. the referral is under investigation;
b. the commission calculation is disputed;
c. the underlying client payment is subject to a refund, chargeback or payment reversal;
d. the Affiliate has breached these Terms;
e. Credora reasonably suspects fraudulent or misleading activity; or
f. Credora requires further information from the Affiliate to process the payment.
7.7 Credora will normally pay commission using the payment details provided by the Affiliate.
7.8 Affiliates are responsible for ensuring that their bank and payment information is accurate and up to date.
7.9 Credora will not be responsible for delays caused by incorrect payment details supplied by the Affiliate.
8. Refunds, Credits, Chargebacks and Reversals
8.1 Commission is earned only in relation to payments that Credora ultimately retains as payment for qualifying services.
8.2 If a client subsequently receives a refund, credit, chargeback, repayment, reversal or other adjustment relating to an amount on which commission has already been paid, Credora may recover the corresponding commission.
8.3 The amount recoverable may be deducted from the Affiliate’s future commission payments.
8.4 If the Affiliate has insufficient future commission to cover the amount owed, Credora may require the Affiliate to repay the outstanding balance within 30 days of receiving written notice.
8.5 This provision applies whether the refund, credit, chargeback or reversal occurs before or after the Affiliate has received the relevant commission.
9. No Self-Referral or Artificial Referrals
9.1 Affiliates must not refer themselves, their own businesses, companies they control, or related entities for the purpose of generating commission unless Credora has expressly approved the arrangement in writing.
9.2 Affiliates must not create artificial referrals, duplicate accounts, fake enquiries or transactions designed primarily to generate commission.
9.3 Credora may cancel commissions and terminate an Affiliate’s account where it reasonably believes that referrals have been artificially generated.
10. Marketing and Advertising Requirements
10.1 Affiliates may promote Credora only using truthful, accurate and lawful marketing communications.
10.2 Affiliates must not make false, misleading, exaggerated or unsubstantiated statements about Credora, its services, pricing, qualifications, results, guarantees or services.
10.3 Affiliates must not make representations or promises on behalf of Credora that have not been expressly authorised by Credora.
10.4 Affiliates must not represent themselves as an employee, partner, director, agent, authorised representative or legal representative of Credora unless expressly authorised in writing.
10.5 Where an Affiliate promotes Credora through social media, websites, blogs, videos, email marketing or other advertising channels, the Affiliate must clearly disclose the commercial relationship and the fact that the Affiliate may receive commission.
10.6 Affiliates must comply with all applicable advertising and marketing laws, regulations and industry codes, including applicable requirements of the Advertising Standards Authority and CAP Code.
10.7 Affiliate content must be clearly identifiable as advertising where required by applicable law or advertising rules.
10.8 Affiliates must not use spam, misleading clickbait, fake reviews, fake testimonials, deceptive advertisements or other misleading promotional methods.
11. Prohibited Marketing Methods
Without Credora’s prior written approval, Affiliates must not:
a. purchase or bid on Credora’s brand name or trademarks through paid search advertising;
b. create websites, domains, social media accounts or pages that could reasonably be mistaken for official Credora channels;
c. impersonate Credora or its employees;
d. send unsolicited bulk emails or messages;
e. use misleading advertisements;
f. use false testimonials or fabricated reviews;
g. make guarantees regarding tax savings, accounting results, financial outcomes or business performance;
h. make statements suggesting that Credora has approved or endorsed an Affiliate’s personal opinions or services;
i. engage in illegal, discriminatory, defamatory, fraudulent or offensive promotional activity; or
j. use any marketing method that could reasonably damage Credora’s reputation.
12. Email, Telephone and Direct Marketing
12.1 Affiliates must comply with all applicable laws and regulations governing direct marketing communications.
12.2 Affiliates must ensure that any marketing communication sent on behalf of, or relating to, Credora is lawful and appropriately authorised.
12.3 Affiliates must not use Credora’s name, branding or marketing materials in unsolicited communications in a manner that breaches applicable law.
12.4 Credora may require an Affiliate to immediately stop a particular marketing campaign or communication where Credora reasonably considers that it creates legal, regulatory or reputational risk.
13. Data Protection and Privacy
13.1 Affiliates must comply with applicable data protection legislation, including the UK GDPR and Data Protection Act 2018, as applicable.
13.2 Affiliates must have an appropriate lawful basis for collecting and sharing personal information with Credora.
13.3 Affiliates must not provide Credora with personal information obtained unlawfully or in breach of an individual’s privacy rights.
13.4 Where required, Affiliates must obtain appropriate consent or provide appropriate privacy information before sharing personal data with Credora.
13.5 Affiliates should only provide personal information that is reasonably necessary for the referral.
13.6 Affiliates must not provide sensitive personal data unless it is necessary, lawful and specifically requested by Credora.
13.7 Credora may process referral information for the purposes of assessing the referral, contacting the prospective client, providing services, administering commission payments, preventing fraud and complying with legal obligations.
13.8 Where an Affiliate becomes aware of a data breach involving information supplied to Credora, the Affiliate must notify Credora promptly and provide reasonable assistance in dealing with the incident.
13.9 The parties will cooperate reasonably with each other regarding data protection matters arising from the Programme.
14. Confidentiality
14.1 Affiliates may receive confidential information concerning Credora, its clients, pricing, business operations, systems, commercial arrangements and processes.
14.2 Affiliates must keep such information confidential and must not disclose it to any third party without Credora’s prior written consent unless disclosure is required by law.
14.3 Confidential information must only be used for legitimate purposes connected with the Programme.
14.4 The confidentiality obligations in this section continue after termination of the Affiliate’s participation in the Programme.
15. Intellectual Property and Use of Credora Branding
15.1 Credora retains all rights in its trademarks, logos, website content, documents, marketing materials, systems and other intellectual property.
15.2 Credora grants Affiliates a limited, non-exclusive, revocable and non-transferable permission to use approved Credora marketing materials solely for promoting Credora under the Programme.
15.3 Affiliates must not alter Credora’s logos, trademarks or marketing materials without permission.
15.4 Affiliates must stop using Credora’s branding immediately upon termination of the Programme or when requested by Credora.
15.5 Participation in the Programme does not transfer any ownership rights in Credora’s intellectual property to the Affiliate.
16. Independent Relationship
16.1 The Affiliate participates in the Programme as an independent contractor.
16.2 Nothing in these Terms creates an employment relationship, partnership, joint venture, franchise, fiduciary relationship or agency relationship between Credora and the Affiliate.
16.3 The Affiliate has no authority to enter into contracts, incur liabilities, make representations or otherwise bind Credora.
16.4 The Affiliate is responsible for its own business activities, costs, expenses, taxes, National Insurance contributions and other statutory obligations arising from commission received.
17. Taxes
17.1 Commission paid to Affiliates may constitute taxable income.
17.2 Affiliates are solely responsible for determining and complying with their own tax obligations arising from participation in the Programme.
17.3 Credora will not provide personal tax advice to Affiliates.
17.4 Where Credora is legally required to make deductions, report payments or provide information to HMRC or another competent authority, Credora may do so.
18. Conflicts of Interest
18.1 Affiliates must disclose any material conflict of interest that may affect their promotion of Credora.
18.2 Affiliates must not make statements suggesting that Credora has independently recommended a product, service or business where no such recommendation exists.
18.3 Affiliates must not use confidential information belonging to another business or person to generate referrals unlawfully.
19. No Guarantee of Commission or Client Acceptance
19.1 Credora does not guarantee that:
a. any referral will become a client;
b. Credora will accept any prospective client;
c. a client will purchase any particular service;
d. a client will remain with Credora for any particular period; or
e. an Affiliate will earn any particular level of commission.
19.2 Credora retains complete discretion over whether to accept a prospective client and which services or pricing arrangements to offer.
20. Monitoring and Audit
20.1 Credora may monitor referrals, marketing activity and commission activity to ensure compliance with these Terms.
20.2 Credora may request reasonable information or evidence from an Affiliate concerning a referral or promotional activity.
20.3 Affiliates must cooperate with reasonable compliance checks.
20.4 Where Credora reasonably suspects fraud, abuse, unlawful activity or a breach of these Terms, it may temporarily suspend commission payments while the matter is investigated.
21. Fraud and Misconduct
21.1 Credora may immediately suspend or terminate an Affiliate’s participation where it reasonably believes the Affiliate has:
a. committed fraud;
b. submitted false referrals;
c. manipulated tracking systems;
d. generated artificial leads;
e. breached applicable law;
f. engaged in misleading advertising;
g. misused Credora’s confidential information;
h. damaged or threatened Credora’s reputation; or
i. otherwise seriously breached these Terms.
21.2 Credora may cancel unpaid commissions associated with fraudulent or invalid referrals.
21.3 Nothing in these Terms limits Credora’s right to pursue any other legal remedy available to it.
22. Termination
22.1 Either Credora or the Affiliate may terminate participation in the Programme by giving 30 days’ written notice, unless these Terms provide for immediate termination.
22.2 Credora may terminate participation immediately where it reasonably believes that the Affiliate has committed a serious breach of these Terms, fraud, unlawful activity or conduct that creates significant legal or reputational risk.
22.3 Following termination, the Affiliate must immediately stop representing itself as a Credora Affiliate and stop using Credora’s branding and marketing materials.
22.4 Subject to these Terms, commissions properly earned from qualifying payments received before termination will remain payable.
22.5 Unless otherwise agreed in writing, termination does not create a right to commission on new clients or new qualifying payments after the effective termination date.
22.6 Any commission overpayment, refund adjustment or other amount owed by the Affiliate remains payable following termination.
23. Effect of Termination on Existing Referrals
23.1 Unless Credora agrees otherwise in writing, commission entitlement following termination will be limited to qualifying payments received before the termination date.
23.2 Credora may, at its discretion, continue paying commission on existing Referred Clients following termination where the Affiliate has not breached these Terms and the referral was properly registered before termination.
23.3 Any such continuation is discretionary and does not establish a precedent or entitlement for other Affiliates.
24. Liability
24.1 The Affiliate is responsible for its own marketing activities and representations.
24.2 To the extent permitted by law, Credora will not be liable for indirect or consequential loss, loss of business, loss of opportunity, loss of anticipated commission or loss of profits arising from participation in the Programme.
24.3 Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law.
24.4 Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot legally be excluded or limited.
25. Indemnity
25.1 To the extent permitted by law, the Affiliate agrees to compensate Credora for reasonable losses, liabilities, costs, claims and expenses arising directly from the Affiliate’s:
a. breach of these Terms;
b. unlawful marketing activities;
c. fraudulent or misleading conduct;
d. unauthorised representations made on behalf of Credora;
e. misuse of Credora’s intellectual property; or
f. unlawful collection or sharing of personal data.
25.2 This provision does not apply to the extent that the relevant loss was caused by Credora’s own negligence, fraud or unlawful conduct.
26. Changes to the Programme
26.1 Credora may update or amend these Terms where reasonably necessary to:
a. comply with changes in law or regulation;
b. improve the operation of the Programme;
c. prevent fraud or abuse;
d. introduce new Programme features; or
e. make reasonable commercial or administrative changes.
26.2 Credora will provide reasonable notice of material changes where appropriate.
26.3 Changes will not retrospectively remove commission that has already been properly earned, except where adjustment is necessary because of refunds, chargebacks, fraud, error or another legitimate correction.
27. Programme Dashboard and Records
27.1 Where Credora provides an Affiliate dashboard, the dashboard may be used to monitor referrals, commission status and payments.
27.2 Dashboard information is provided for administrative and tracking purposes.
27.3 Credora’s accounting and payment records will be used to determine amounts actually received and commission payable where there is a discrepancy between dashboard information and Credora’s underlying financial records.
28. Complaints and Commission Disputes
28.1 An Affiliate who believes that a commission has been incorrectly calculated should notify Credora in writing within 30 days of the relevant commission statement or payment.
28.2 The Affiliate should provide reasonable supporting information.
28.3 Credora will review genuine commission disputes and respond within a reasonable period.
28.4 Failure to raise a dispute within the specified period does not prevent Credora from correcting an obvious accounting or administrative error.
29. No Assignment
29.1 The Affiliate may not transfer, assign, sell or otherwise transfer its rights under the Programme to another person or organisation without Credora’s prior written consent.
29.2 Credora may transfer or assign its rights and obligations under these Terms as part of a restructuring, sale, merger, acquisition or transfer of its business, provided this does not materially reduce the Affiliate’s accrued rights.
30. Entire Agreement
30.1 These Terms, together with any written Programme-specific agreement between Credora and the Affiliate, constitute the agreement between the parties concerning participation in the Programme.
30.2 Any additional terms expressly agreed in writing between Credora and an Affiliate will take precedence over these Terms to the extent of any conflict.
31. Severability
31.1 If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision will be treated as modified to the minimum extent necessary to make it valid and enforceable.
31.2 The remaining provisions will continue in full force and effect.
32. Waiver
32.1 A failure or delay by Credora to exercise any right under these Terms will not constitute a waiver of that right.
32.2 A waiver must be expressly given in writing.
33. Governing Law and Jurisdiction
33.1 These Terms and any dispute arising out of or in connection with the Programme will be governed by the laws of England and Wales.
33.2 Subject to any mandatory legal requirements, the courts of England and Wales will have exclusive jurisdiction over disputes arising from these Terms.
34. Notices and Communications
34.1 Communications relating to the Programme may be sent by email to the email address registered by the Affiliate.
34.2 Affiliates are responsible for ensuring that their contact information remains accurate and up to date.
34.3 A notice sent by email will be treated as received when it is sent, provided the sender does not receive an automated message indicating that delivery has failed.
35. Acceptance of Terms
By registering for, applying to, or participating in the Credora Consulting Affiliate & Referral Partner Programme, the Affiliate confirms that:
- they have read and understood these Terms;
- they agree to comply with these Terms;
- all information provided to Credora is accurate;
- they will comply with applicable laws and regulations;
- they will make clear when their promotion of Credora is commercially motivated;
- they understand that commission is only payable when Credora has actually received qualifying payment from the Referred Client; and
- they understand that previously paid commission may be deducted from future earnings where a corresponding client payment is subsequently refunded, reversed, credited or charged back.
36. Company Details
Credora Consulting Limited
Website: https://credoraconsulting.co.uk/
Affiliate Programme: https://credoraconsulting.co.uk/earn-commission/
Version: 1.0
Effective Date: 09.08.2026
Last Updated: 16736128