Partner Program Terms

Monyra Partner Rewards is a referral and affiliate program operated by WestandB Media LLC, the operator of Monyra. It is open to individuals and organisations who are at least 18 years old and who can lawfully promote a financial planning product in the places where they do so.

The program has four partner categories: friends and existing customers, influencers and content creators, credit-repair professionals, and financial educators and community organisations. Your category is recorded on your partnership and determines your default reward plan.

You apply by submitting an application. Applying requires no Monyra account and no purchase. Applications are reviewed individually, and we may approve, waitlist or decline any application at our discretion.

A partnership begins only when we approve your application in writing. Until then you have no referral code, no attribution and no entitlement to any reward.

On approval we issue you a unique referral code and a shareable link. The code is generated by us and cannot be chosen, transferred or sold.

You are responsible for how you share it. You must not offer cash, rebates or incentives to people in exchange for using your link without our written agreement, and you must not present your code as a discount or as a condition of a Monyra service.

A referral link or code attributes a new signup for 30 days from the moment it is recorded on a device. The first valid code recorded on a device is the one that counts; a later code does not replace it.

A referral is credited to exactly one partner. Referrals are never split, and a referral is never re-attributed to a different partner once recorded.

An existing Monyra customer is not a new conversion. If you refer someone who already has a Monyra account, no reward is earned.

A referral code never grants access to any Monyra feature, discount or entitlement. It affects attribution only, and it cannot bypass checkout, subscription or authorisation.

A commission is earned only from a confirmed payment event reported by our payment provider. Reaching a success page, completing a form or a client-side report of a purchase never earns anything.

A referral becomes a qualified conversion only when the referred person is a paying Pro customer and the payment has been confirmed by the provider.

A single customer conversion is rewarded under exactly one plan. The one-time standard reward and the recurring affiliate commission are never stacked on the same customer.

The standard plan pays a one-time amount for each qualified new Pro customer. The affiliate plan pays a recurring percentage of the amount actually paid by a referred customer, for up to a fixed number of successfully paid subscription months per referral.

The current figures are published on the program page and shown in your dashboard. The rate that applies to you is the rate in force when your partnership was approved or when the referral was attributed; a later rate change applies only to future referrals and commissions, and never rewrites a reward you have already earned.

A commission is reversed if the payment behind it is refunded, charged back or otherwise voided, if the subscription is cancelled before the period it relates to is paid, or if the referral is found to be fraudulent, duplicated or in breach of these terms.

A reversal is recorded against the commission with its reason, and the original accrual is preserved. A reversed commission is not payable.

Every commission enters a validation period before it can be approved. This is the window in which a refund or chargeback can be reflected. A commission inside its validation period is shown as pending.

Once validated, a commission may be approved for a future payout cycle. Approval does not itself create a payment.

Payouts are a separate step and are subject to a minimum approved balance and to an explicit approval by us. Payouts are currently disabled while Monyra completes its own payment verification, and no payout will be made until that is complete and we have approved the program for payouts.

Before any payout you must provide the tax and payment information we require. You are responsible for any tax owed on your rewards. We may be required to withhold tax where the law requires it.

Whenever you promote Monyra you must clearly and conspicuously disclose that you are a Monyra partner and that you may be rewarded for referrals. The disclosure must be placed where it is seen before or with the promotion, not hidden in a profile or a footer.

You must follow the advertising rules that apply where your audience is. If you are unsure whether a disclosure is adequate, ask us before you publish.

You must not promise a credit-score increase, debt elimination, approval for credit, or any other guaranteed financial outcome. Monyra is a planning and organisation tool. It does not file disputes on a customer's behalf and it does not guarantee any result.

You must not present yourself as a Monyra employee, agent or representative, and you must not speak on Monyra's behalf.

You must not send unsolicited bulk messages, buy lists, use misleading or deceptive claims, bid on Monyra's brand terms in paid search without written agreement, place your link in a way that misrepresents the destination, or use any method that artificially inflates clicks, signups or conversions.

You must not attempt to access any customer's Monyra data. You have none, and any attempt is a material breach.

If you provide credit-repair or credit-consulting services, you take part as an independent partner. You are not a Monyra employee, agent or representative, and nothing in this program makes Monyra a party to your relationship with your clients.

You have no access to any Monyra customer's financial data, credit report, balances or identity, and you must not ask a client to share their Monyra account with you.

The following are material breaches: self-referral; creating or using duplicate accounts to generate rewards; manipulating or guessing referral codes; fabricating, replaying or falsifying conversions or payment events; misrepresenting who a referral is; and any attempt to obtain a reward you did not earn.

We detect these through server-side checks, including duplicate detection, self-referral checks and payment-event verification. Where we find a breach we may reverse affected commissions, suspend or terminate your partnership, and withhold unpaid balances obtained through the breach.

We may suspend or end your partnership at any time, with or without cause. On termination your code stops working and no further commissions accrue.

Commissions already approved and not obtained through a breach remain payable subject to these terms, including the payout requirements. Commissions that have not been approved, or that relate to a breach, are not payable.

You may leave the program at any time by contacting us.

We may change these terms, the reward rates and the program itself. We will publish a new version and update the date on this page.

A change to a rate applies to future referrals and commissions only. Rewards already earned keep the terms in force when they were earned.

We process your application and your partnership data to run the program, to calculate and pay rewards, and to prevent fraud. Our Privacy Policy explains this in full.

Referral tracking is deliberately limited. We record that a link was clicked, the host the visit came from, a coarse country and a truncated network prefix — never a full referring URL, never a full IP address and never a customer's financial data. We use first-party storage on your own device to remember a referral code; we do not use third-party advertising cookies for attribution.

You will never be shown a referred customer's identity, balances, budgets or credit information. Your dashboard shows counts and amounts only.

Nothing in this program creates an employment, agency, partnership or joint venture between you and Monyra. You act independently and at your own cost, and you are responsible for your own taxes, insurance and compliance obligations.