Terms and Conditions for Skorcard Affiliate Program

By signing up as an affiliate on the Skorcard Affiliate Program conducted by PT Skorcard Teknologi Indonesia (“Skorcard”, “we”, “us”, or “our”), you (“Affiliate”) agree to the following terms and conditions. Please read these carefully before proceeding.

1. Terms Of Use For Online Services

1.1. By agreeing to these Terms of Service, you confirm that you are either at least the age of majority in your state, province, or country of residence or have obtained the consent of a parent or guardian to allow minor dependents to use this site.

1.2. You must not use our products or services for any unlawful or unauthorized purposes, nor violate any local, regional, national, or international laws (including copyright laws) while using the Service.

1.3. You are prohibited from transmitting any worms, viruses, or destructive code.

1.4. Any breach or violation of these Terms will result in the immediate termination of your access to the Service.

2. Commercials

2.1. The commercials for the Skorcard Affiliate Program are based on a 2x2 matrix structure, considering the following parameters:

2.1.1. Approval Rate: Percentage of applications approved.

2.1.2. Number of Cards Issued: Total number of approved credit cards within the applicable period.

2.2. The payment amounts will vary depending on the intersection of the approval rate and the number of cards issued from leads generated by you as per the table.

Particulars Number of Cards Issued in a Calendar Month
<100 100-500 >500
Approval Rate <5% 2$ 3$ 4$
5-10% 3$ 4$ 5$
>10% 4$ 5$ 6$

2.3. Approval Rate refers to the percentage of credit card applications submitted through the Skorcard Affiliate Program that are successfully approved by Skorcard’s bank partners. It is calculated as follows: Approval Rate (%) = (Number of Approved Applications ÷ Total Applications Submitted) × 100

2.4. The “Number of Cards Issued” refers to the total count of credit cards successfully approved and activated by Skorcard’s bank partners based on the leads generated through the affiliate’s efforts.

2.5. To qualify under this definition:

2.5.1. The lead must be directly attributable to the affiliate’s unique tracking link.

2.5.2. The credit card must be approved by the bank partner and activated by the user as per Skorcard’s records.

2.5.3. Cards issued must comply with all applicable terms and conditions outlined in the program.

3. Payment Terms

1.1. The Affiliate will receive payment 60 (sixty) calendar days from the date of card approval to allow for verification of the quality of leads generated.

3.1. Payment will be settled every month, within 7 calendar days of the start of the month, for approved and validated transactions in the previous month.

3.2. Payment will be based on the commercials defined in the matrix defined above and the data validated by Skorcard.

3.3. Payments will be made directly to the bank account provided by the affiliate during the sign-up process. It is the Affiliate’s responsibility to ensure that accurate and up-to-date bank account details are provided.

3.4. Any disputes regarding the payments will not be entertained, and the decision of Skorcard shall be final and binding.

3.5. Leads must meet Skorcard’s standards of quality and creditworthiness. If Skorcard determines that the credit risk associated with the leads is excessively high, it reserves the right to disable the Affiliate’s link or terminate this agreement with immediate effect.

4. General Conditions

4.1. Skorcard reserves the right to disable the Affiliate’s link at any time, with or without prior notice, at its sole discretion. This may occur for reasons including, but not limited to, non-compliance with Skorcard’s guidelines, promotion of inaccurate or misleading content, generation of low-quality leads, or any activity deemed detrimental to Skorcard’s brand or business interests.

4.2. We reserve the right to refuse service to anyone, for any reason, at any time.

4.3.You acknowledge that your content may be transferred unencrypted and may involve:

4.3.1. Transmissions across various networks.

4.3.2. Changes to conform and adapt to the technical requirements of connecting networks or devices.

4.4. You agree not to reproduce, duplicate, copy, sell, resell, or exploit any part of the Service, use of the Service, or access to the Service, or any contact on the website through which the Service is provided, without our express written permission.

5. Accuracy and Updates of Information

5.1. The site may include historical information, which is not current and is provided solely for reference purposes. We reserve the right to modify the site’s content at any time without obligation to update the information. You agree that it is your responsibility to monitor any changes made to the site.

5.2. The Affiliate acknowledges that Skorcard is not responsible for the accuracy or validity of any content posted by the Affiliate. Skorcard shall not be held liable for any discrepancies, rewards, fees, or charges promised by the Affiliate that are not aligned with Skorcard’s official Terms and Conditions. Any rewards, fees, or charges pertaining to Skorcard will strictly follow Skorcard’s stated Terms and Conditions.

6. Content Creation and Brand Guidelines

6.1. Skorcard will provide a toolkit to assist with content creation, including templates, graphics, and brand guidelines.

6.2. Affiliates must strictly adhere to Skorcard’s brand guidelines when creating and sharing content.

6.3. Any deviations from the brand guidelines must receive prior written approval from Skorcard.

6.4. These tools are provided on an “as is” and “as available” basis without any warranties, representations, or conditions of any kind.

6.5. Skorcard is not responsible for how affiliates use the tools provided.

6.6. All promotional content created by the Affiliate must undergo a quality check and receive prior approval from the Skorcard. Failure to adhere to this requirement will render this agreement null and void, and Skorcard will not be obligated to make any payments to the Affiliate.

7. Comment Management and Post Removal

7.1. Affiliates are responsible for managing comments on the content they create.

7.2.Negative or harmful comments on the content must be addressed within 12 hours if they occur during the first week of posting.

7.3. If instructed by Skorcard, the affiliate must remove the post and/or negative comments within 12 hours of receiving such instruction.

8. Restriction on Negative Statements

8.1. Affiliates agree not to post or share any negative statements or content about Skorcard for a minimum of 2 years from the agreement date.

8.2. Violation of this condition will make the affiliate liable for damages.

9. Application Approval

9.1. Skorcard retains full discretion to approve or reject any application submitted through the affiliate’s efforts.

9.2. Decisions regarding application approval are final and non-negotiable.

10. Social Media Tagging

10.1.Affiliates must ensure they tag or mention only the official and verified Skorcard handles in their posts:

10.1.1. Website: https://skorcard.app/

10.1.2. Facebook: @skorcard_id

10.1.3. Instagram: @skorcard_id

10.1.4. X: @skorcard_app

10.2. Tagging fake or impersonator handles is strictly prohibited and may result in immediate termination of the affiliate agreement.

11. Confidentiality

11.1. Affiliates agree not to disclose that their content is a paid post or part of the Skorcard Affiliate Program for a period of 2 years from the contract date.

11.2. Breaching this confidentiality clause will result in penalties and potential legal action.

12. Warranty Disclaimers And Limitation Of Liability

12.1. We do not guarantee, represent, or warrant that your use of our service will be uninterrupted, timely, secure, or error-free.

12.2. We do not warrant that the results obtained from using the service will be accurate or reliable.

12.3. You acknowledge that we may remove the service for indefinite periods or cancel the service at any time, without notice to you.

12.4. Your use of the service, or inability to use the service, is at your sole risk. The service and all products delivered through the service are provided “as is” and “as available,” without any representations, warranties, or conditions of any kind, express or implied, including but not limited to implied warranties or conditions of merchantability, fitness for a particular purpose, durability, title, and non-infringement.

12.5. In no event shall Skorcard, its directors, officers, employees, affiliates, agents, contractors, suppliers, service providers, or licensors be liable for any direct, indirect, incidental, punitive, special, or consequential damages, including but not limited to lost profits, lost revenue, lost savings, loss of data, or any similar damages arising from your use of the service or any products procured through the service. In jurisdictions that do not allow the exclusion or limitation of liability, our liability shall be limited to the maximum extent permitted by law.

13. Indemnity And Liability Coverage

13.1. You agree to indemnify, defend, and hold harmless Skorcard, its parent company, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, and employees from any claims or demands, including reasonable attorneys’ fees, made by any third party due to your breach of these Terms of Service or your violation of any law or third-party rights.

14. Severability

14.1. If any provision of these Terms of Service is found to be unlawful, void, or unenforceable, such provision shall be enforceable to the fullest extent permitted by law, and the unenforceable portion shall be severed from these Terms of Service. This shall not affect the validity and enforceability of the remaining provisions.

15. Termination And Survival Of Obligations

15.1. Any obligations and liabilities incurred prior to termination shall survive termination of this agreement.

15.2. These Terms of Service remain in effect unless terminated by you or us. You may terminate by notifying us of your intent to discontinue using our services.

15.3.We reserve the right to terminate this agreement, including participation in the Skorcard Affiliate Program, at any time for convenience, by providing you with written notice. Termination for convenience will not affect any rights or obligations accrued prior to termination.

15.4. If we determine that you have failed to comply with any part of these Terms of Service, we may terminate the agreement at any time without notice. Termination of Service may result in immediate termination of participation in the Skorcard Affiliate Program and forfeiture of any pending commissions or benefits, at Skorcard’s sole discretion.

16. Notice Period for Termination by Skorcard

16.1. The Notice Period refers to the duration of time required to provide advance written notice to the other party before the termination of this Agreement takes effect.

16.1.1. No Notice Period will be applicable in cases where termination initiated by Skorcard and is by convenience or breach of the Terms of Service by Affiliate.

17. Notice Period for Termination by Affiliate

17.1. If Affiliate wishes to terminate this Agreement, Affiliate is required to provide Skorcard with a written notice of 30 days prior to the intended termination date.

17.2. During the Notice Period:

17.2.1. Affiliate must fulfill all obligations under the Agreement, including ongoing services or deliverables.

17.2.2. Any pending payments or reconciliations must be completed in accordance with the terms of the Agreement.

17.3. Failure to provide the required Notice Period may result in forfeiture of any pending commissions or benefits, at Skorcard’s sole discretion.

18. Entire Agreement And Understanding

18.1. Our failure to enforce any provision of these Terms of Service does not constitute a waiver of that provision.

18.2. These Terms of Service, along with any policies or rules posted on the site, constitute the entire agreement between you and us, superseding prior agreements and proposals.

18.3. Any ambiguities in interpreting these Terms of Service will not be construed against the drafting party.

19. Applicable Law And Jurisdiction

19.1. These Terms of Service and any related agreements shall be governed by and construed in accordance with the laws of Indonesia.

20. Modifications To Terms Of Service

20.1. You can review the most current version of the Terms of Service at any time on our website.

20.2. We reserve the right to update, change, or replace any part of these Terms of Service by posting updates on our website. It is your responsibility to check the site periodically for changes. Your continued use of the site or services constitutes acceptance of any updates.

21. Intellectual Property Rights (IPR)

21.1. All content, materials, and creative assets shared by the Affiliate with Skorcard in connection with the Skorcard Affiliate Program shall become the exclusive intellectual property of Skorcard upon submission.

21.2. By sharing any content with Skorcard, Affiliate irrevocably transfers and assigns all rights, title, and interest in such content to Skorcard, including but not limited to rights of reproduction, distribution, modification, public display, and any other use.

21.3. Affiliate acknowledges and agrees that it relinquishes all claims, rights, and ownership over the shared content, and Skorcard reserves the right to use, modify, or repurpose such content in any medium, platform, or manner, globally and without any obligation to Affiliate.

21.4. This clause survives the termination of the Agreement.

22. Prohibited Uses and Restrictions

22.1. In addition to other prohibitions as set forth in the Terms of Service, affiliates participating in the Skorcard Affiliate Program are strictly prohibited from using the site, its content, or affiliate links for the following purposes:

22.1.1. Engaging in any unlawful activity or purpose;

22.1.2. Soliciting others to perform or participate in unlawful acts;

22.1.3. Violating any applicable regulations, rules, laws, or ordinances;

22.1.4. Infringing upon or violating Skorcard’s intellectual property rights or the intellectual property rights of others;

22.1.5. Harassing, abusing, insulting, harming, defaming, slandering, disparaging, intimidating, or discriminating against individuals based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;

22.1.6. Submitting false, misleading, or deceptive information;

22.1.7. Uploading or transmitting viruses, malware, or any malicious code that may affect the functionality or operation of the Skorcard platform, any related websites, or the Internet;

22.1.8. Collecting, tracking, or misusing the personal information of others;

22.1.9. Engaging in spamming, phishing, pharming, pretexting, spidering, crawling, or scraping;

22.1.10. Promoting obscene, immoral, or inappropriate content;

22.1.11. Interfering with, circumventing, or attempting to undermine the security features of the Skorcard platform, any related websites, or the Internet.

21.2. Violation of any of the above prohibited uses may result in immediate termination of participation in the Skorcard Affiliate Program and forfeiture of any pending commissions or benefits, at Skorcard’s sole discretion.

23. CONTACT DETAILS FOR SUPPORT

Questions about the Terms of Service can be directed to us at affiliate_support@skor.co

By signing up for the Skorcard Affiliate Program, you confirm that you have read, understood, and agree to comply with these terms and conditions. Skorcard reserves the right to amend these terms at any time, and continued participation in the program constitutes acceptance of any changes.

Effective Date:
Last Updated: