1. General

Your use of the Website is subject to the following terms and conditions (Terms), which you are deemed to accept by using the Website. If you do not agree to these Terms, you must not use the Website.

In order to participate in the paisa2u Affiliate Program it is compulsory to agree the following terms and conditions by checking the box and pressing the "Sign Up now" button, meaning that you understand and accept all the terms of paisa2u Affiliate Program. The terms and conditions contained by this program may modify at any time by posting a modification note or a new program on paisa2u site. If any terms or modification cannot be accepted, the only way to act is not to press the "Sign Up now" button or to cancel the participation in the paisa2u Affiliate Program. The participation in the Affiliate Program after its modification represents the implicit acceptance of the specified modifications.

1. DEFINITIONS

1.1 Unless otherwise required or expressly stipulated, the following expressions will have the following meanings: "paisa2u" means paisa2u which is owns by MAFHH Internationals. "paisa2u Site" means the internet site of paisa2u with the internet address: https://www.paisa2u.com. "paisa2u platform" means the system used for transactions or subscription, accessible through the paisa2u Site. "Item-s" means any subscriptions purchsed through paisa2u platform. "Client/vendor/customet/sub Vendor" means any person or business company purchasing subscriptions through the paisa2u platform. "Merchant/Vendor" means any person or business company that market or lists products and/or services through the paisa2u platform. "Merchant Site" means the internet site of the Merchant as it is shown on the paisa2u Affiliate Program. "Affiliate" means any person or business company who understands and approves to have read and fully agrees with the terms and conditions mentioned below and it is shown on the paisa2u Affiliate Program as Affiliate. "Affiliated site" means the internet site of the Affiliate as it is shown on the paisa2u Affiliate Program. "Link" means the internet URL generated only through the paisa2u platform in the Affiliate Account that will connect the description on the Affiliate site to the corresponding Item category on the paisa2u platform. "Chargeback" means an amount of money: which has been deemed to have been refunded by or returned by paisa2u to a Client based on a Link which has been voided, retracted, subject to returns; been reversed due to fraud, or otherwise rescinded for any reason; which has been retrieved from, reserved against and/or charged against paisa2u accounts under the terms of any applicable credit card Merchant account agreements or because of government actions including but not limited to embargo, court order, reclamation.

2. SUBJECT MATTER OF THE PROGRAM

2.1 The paisa2u Affiliate Program is a special marketing program that facilitates the Affiliates to participate for promoting the Merchant's Items.
2.2 In order to join the paisa2u Affiliate Program, the Affiliate must meet and fulfill the following stages:
2.2.1 Opening an account
The Affiliate must fill the application form accessible on the paisa2u Site and accept the conditions of paisa2u Affiliate Program. At the reception of the application paisa2u will analyze the application, allocate an ID to the Affiliate (sole identification number in the paisa2u Affiliate Program) and shall communicate to the Affiliate via e-mail the login data of his account. The Affiliate will have an account accessed anytime through the paisa2u site (secure pages) using his e-mail and Password. The account allows the Affiliate to benefit from various functions of the paisa2u platform, explained below.
The information provided herein is subject to further verification and paisa2u may request proof of account ownership and additional documents before making any commission payments, as part of the KYC & AML regulations. As an organization that facilitates global eCommerce, paisa2u is required to obtain certain information from its business partners as part of its Know Your Customer ("KYC") and Anti-Money Laundering ("AML") obligations in multiple jurisdictions throughout the world.
The information we collect or store either from you or other available legitimate sources we may opt for, may include personal data of shareholders, ultimate beneficiaries, directors, representatives, employees etc. It is your obligation to notify all these categories of persons that their personal information may be disclosed or otherwise collected by us for our legitimate purposes. It will also be your responsibility to channel any and all requests these persons might have in respect of their personal data, solve them pursuant to your legal obligations or communicate them to us, should you not be able to settle them independently. It will be our discretion and based on our interpretation of the applicable law, how to deal with such requests from your part. For the avoidance of any doubt, requests received from these categories of persons will be directed to you.
2.2.2 The approval
The Affiliate must choose from his account and the Items he wishes to promote, having to receive the consent or refusal for the promotion of the chosen Item. A commission percentage will also be set and allocated to the Affiliate for each sale through the paisa2u platform. The commission will be visible in the Affiliate personal account. Only after the reception of the approval the Affiliate may promote on his site (Affiliate Site) the Items for which he received approval and has the right to receive the related commission. The Affiliate shall promote the Items approved only by use and maintenance of links generated in his paisa2u account. Should the Affiliate want to subsequently promote other Items as well, he must follow once more the procedure provided above for the prior obtainment of the approval.
2.3 paisa2u reserves the right to reject or cancel Affiliate-s for any/no reason. As an example, paisa2u shall reject or cancel the Affiliate account should it is established that the Affiliate site is not compatible with the paisa2u Affiliates Program or paisa2u Policy, including:
A. Promotes material with explicit sexual content.
B. Promotes violence.
C. Promotes race, sex, gender, religion, nationality, physical disability, sexual orientation or age discrimination.
D. Promotes illegal activities.
E. Contains materials infringing or supporting third parties to infringe copyrights, mark or other forms of intellectual property or the applicable laws.
F. Includes "paisa2u or MAFHH Internationals" or their derivations or typing errors in the domain name.
G. Is in any way illegal, damaging, libelous, obscene, aggressive, racist or not corresponding to our principles.
2.4 In case the application of the Affiliate is accepted and the Affiliate site is subsequently declared as unacceptable for the paisa2u Affiliate Program, paisa2u reserves the right to cancel the participation of the site in the Affiliate Program. The Affiliates that have been rejected from the Affiliate Program subsequent to their subscription are forbidden to return with an application for the admission in the Affiliate Program.
2.5 On the Affiliate site can be posted a short description or other references, as well as images, graphic representations or texts for promoting the chosen and approved Items. The Affiliate shall be solely liable for the content, appearance or placement of this information. The Affiliate shall display on his site the Link generated through his Account in the paisa2u platform. The Affiliates are not allowed to use automatic techniques to obtain these links. The Affiliate trying to use such techniques shall be rejected from the paisa2u Affiliate Program and any of his commissions cancelled. Only the links provided by paisa2u in the Affiliate account can be used for promoting the Items approved on the paisa2u platform.
2.6 The Affiliate is the only one liable for the development, operation and maintenance of his site and also for any material appearing on this site. paisa2u declines any responsibility in connection with the use of any materials other than those provided by paisa2u.
2.7 The Affiliate can not make any official report or public comment in connection with this paisa2u Affiliate Program or with his participation to the paisa2u Affiliate Program, without prior written consent from paisa2u. The Affiliate can send an e-mail to info@paisa2u.com in order to get a written consent.
2.8 IT IS FORBIDDEN for the Affiliate to:
A. use non-requested email (spam), pop-ups, pop-under, exit pages as well as any other techniques obviously or secretly driving Clients to the paisa2u platform;
B. replace, intercept, interfere with, hinder, disrupt or otherwise alter a Client access, view or usage of Affiliate site, a Link or a Merchant web site, including without limitation any click-through or track-based transaction.
C. advertise the paisa2u Merchant products or services employing cookie stuffing techniques including, but not limited to, pop-ups, frames, images, Javascript or stylesheets.
D. place Links in any manner which may (intentionally or unintentionally) mislead any Client.
E. cause any use of a Link in bad faith or through fraudulent means, including, but not limited to, using any device, program, robot, inline frames, hidden frames, or redirects.
F. use automatic redirection to paisa2u site or any automatically method for saving a cookie of an Affiliate.
G. use outbound / unsolicited calling techniques, can only promote / sell services through inbound calls.
H. sell services / products other than the object of the eCommerce transaction he is sending to paisa2u as referral.
I. promote services through scare-ware sales tactics.
J. place live-orders through the paisa2u platform with customer/end-user payment credentials (card, paypal, etc).
K. Use unapproved descriptions or other references, as well as images, graphic representations or texts for promoting products from the paisa2u Affiliate Network.
L. Use misleading advertising or fraudulently use any public figures names, pictures, brands, materials of any kind that may be under copyright infringement or for which it does not have written approval from the copyright owner/ entity.

3. COMMISSIONS AND PAYMENT METHODS
3.1 Once a client accesses the paisa2u platform or the Merchant Site on the basis of a link on the Affiliate site containing the Affiliate ID, paisa2u preserves the respective Affiliate ID for a variable period of time, between 30 and 180 calendar days, depending on the settings. This period of time (cookie duration) will be displayed in the affiliates' management interface for each Merchant separately. Should the client place an order within this period paisa2u shall register the related commission in the Affiliate's account. In order to generate a commission, it is necessary that the Client follows the Link from the Affiliate Site, places an order, pays for the order made in full and for paisa2u to deliver and cash the value of such order. Orders which are not delivered, cashed or have Chargeback are not eligible to generate a commission.
3.2 paisa2u shall fulfill the orders placed by clients having followed the links from the Affiliate site. paisa2u reserves the right to reject orders for any/no reason. paisa2u shall keep a record for clients having followed special links from the Affiliate site and these records shall be accessible in the Affiliate account together with other reports.
3.3 The value of the commission is variable depending on the promoted Items. The establishment of the commission value for each Item shall be made according to section 2.2.2 and shall be pointed out in the Affiliate account together with the receipt of acceptance. The value of the commission shall be applied to the total net value of the order sold through the paisa2u platform without VAT or/and other taxes included.
3.4 paisa2u shall pay the commission to the Affiliate within 20 days from the end of the reporting period for which the commission is due, by bank transfer or any other means agreed. The Reporting Periods are: monthly, bi-weekly and weekly.
paisa2u may pay the Affiliate, at his own discretion, according to the Reporting Periods, as follows:
3.4.1 Monthly, if the Affiliate commission is higher than the minimum amount of 10000 PKR in the reporting period.
3.4.2 Bi-weekly or weekly, if the Affiliate commission is higher than the minimum amount of 40000 PKR in the reporting period. This reporting periods are available on request and if the volume is reached for three consecutive months.
3.5 The commission is paid by paisa2u in order to satisfied payment obligations to the Affiliate.
Should an order that had generated a commission for the Affiliate have a Chargeback this commission shall be deducted from the commission that was not paid by paisa2u or in case paisa2u already paid the commission to the Affiliate the Chargeback will be deducted from the following commission owed by the Affiliate. The Affiliate will remain responsible to paisa2u for any negative balances which arise out of any Chargeback and will have to pay paisa2u the value of the negative balance in maximum 60 days from the negative balance.
The clients that buy products through this paisa2u Affiliate Program become paisa2u's and consequently any terms and conditions applied shall be imposed to such clients.
The value of the commission granted to the Affiliate is confidential, and the infringement of this obligation by the Affiliate may lead to compensations according to damage.

4. FINAL PROVISIONS
4.1 The Affiliate agrees to have analyzed and approved this affiliate program and that paisa2u offers no guarantee of any kind. The parties agree that this Program shall be approved by the Affiliate on-line on the paisa2u site together with his registration in the Affiliate Program.
4.2 paisa2u holds the legal right regarding the "paisa2u Site" and the present paisa2u Affiliate Program and is acting as a reseller of Items for the Merchant.
4.3 The participation of an Affiliate on the paisa2u Affiliate Program may be terminated without any reason by paisa2u with a written request send by e-mail with at least 1 day notice. The commission earned and due will be paid within maximum 6 months from the termination. due to one or more serious violations of our policies (see above). The most common cause for this is that some of the transactions made through your account might involve fraudulent activity. As a result, we will not accept any affiliate applications from you in the future and we may also disable any accounts you have open with us. If you had any unpaid affiliate commissions, they will be postponed or removed until further notice.
4.4 paisa2u has all the rights to close the business/platform anytime without any prior notice.
4.5 Any litigation between parties shall be solved amiably, and if this is not possible, the case will be forwarded to the authorized courts of law from Karachi, Pakistan. The law applicable to the present agreement is the Pakistan law.
4.6 In case of individuals and Merchants/Vendors use any fake/forged information the account will be cancelled immediately and all the commissions or money earned will be lost.
4.7 paisa2u reserves the right, to the extent permitted by applicable law, to monitor all electronic communications for content violating the paisa2u Affiliate Network and store such messages in a manner and at a location within paisa2u discretion. Any message, inbound or outbound, violating the paisa2u Affiliate Network may not be delivered at paisa2u discretion.

5. Refund Policy:
We want you to be completely satisfied with your purchase. If you have any issues or concerns, please contact our customer support team at support@paisa2u.com within 30 days from the date of subscription.

5.1 Refund Eligibility:
To be eligible for a refund, customers who never receive any cashback or discount will be applicable.

5.2 Refund Process:
Contact our customer support team at support@paisa2u.com to initiate the refund process.
Provide your details about the issue.
Our support team will guide you through the refund process.

5.3 Refund Timeline:
Once your refund query is received and inspected, we will send you an email to notify you that we have taken a decision about your refund case.
We will also notify you of the approval or rejection of your refund.
If approved, your refund will be processed, and a credit will automatically be applied to your original method of payment within 30 days.

5.4 Non-refundable:
Any customer who already receives any cash back or avails any discounts.

5.5 Late or Missing Refunds:
If you haven’t received a refund yet, please check your bank account again.
If you still haven't received your refund, contact your credit card company or bank.

5.6 Contact Information:
For any questions regarding refunds, please contact us at support@paisa2u.com.