You post from your own accounts, so what you say is imputed to AthenaAccess the moment it goes live. These are the binding terms of your participation — please read them. Your acceptance is recorded.
What you are promoting (and what you may never call it)
AthenaAccess sells an AI-generated accuracy audit of a person's free weekly credit report (from AnnualCreditReport.com) and education about it. It is NOT a credit repair organization: it does not, for payment, perform, broker, advise on, or assist with disputes, removals, or score improvement — the consumer independently decides whether and how to act. You agree to describe the service this way and to never describe it as repair, fixing, boosting, deleting, or removing anything, and to never promise a credit-score outcome.
C1 — You will disclose that you earn a commission (FTC 16 CFR §255)
Every post, message, story, video, or comment of yours that promotes AthenaAccess and can earn you a commission MUST clearly disclose the paid relationship — a plain “I earn a commission if you sign up” or “#ad” placed BEFORE the link, not buried at the end or behind a “more” fold. Undisclosed affiliate promotion is a direct FTC Act §5 violation that flows back to AthenaAccess. This is non-optional and is a precondition of your participation in this program.
C2 — Approved claims only; the hard bans bind you
You may use AthenaAccess-supplied copy verbatim or lightly edited, and you may NOT add any of the following banned claims (the “hard bans”), in text, image, caption, or spoken audio: (B1) any specific FCRA outcome promise (“we'll get it removed,” “this will be deleted,” “disputed = gone”); (B2) any guaranteed or numeric credit-score boost (“+100 points,” “raise your score,” “guaranteed results”); (B3) “erase / delete / wipe bad credit”; (B4) “609 letter / 609 loophole / legal loophole to remove debt”; (B5) naming or knocking a competitor; (B6) presenting any named human as a founder or analyst (the cast is “the Athena AI team” only); (B7) soliciting anyone's credit data or account numbers in public (always DM-first); (B8) omitting the “not a credit repair organization” disclaimer next to any price, offer, or paid link. You will keep “individual results may vary” (or an inline equivalent) on every line a reader could hear as a benefit. Going off-script voids the commission on the affected referrals and is grounds for removal from the program.
C3 — No sub-affiliates and no paid-ad arbitrage without written sign-off
You will not recruit sub-affiliates under your link, and you will not run paid search or paid social ads (Google, Meta, TikTok, etc.) against the AthenaAccess brand or to your referral link, without AthenaAccess's prior written approval of the exact ad copy. This stops non-compliant ad copy we never reviewed from being imputed to us.
C4 — The hand-back is a SERVICE, never an outcome promise
Where you describe the value to a client (e.g. a “warm hand-back” of an informed buyer), you will frame it as what the client receives operationally — a documented audit of their free report so they understand their own file before they apply — and never as a credit-improvement outcome. You will not call the result a “mortgage-ready client” or any phrasing that implies the audit makes someone qualify. What the consumer does with the audit is theirs.
C5 — Compliance is a precondition of ACCESS and an ongoing condition; right-to-audit, takedown-on-notice, indemnification, ban-enforcement
Your acceptance of C1 and C2 is what activates your referral link; participation is not gated only at payout, because FTC/CROA liability attaches the moment a non-compliant post goes live. You further agree, as ongoing conditions of continued access: (a) RIGHT TO AUDIT — AthenaAccess may review any of your public posts or messages that promote the service, at any time, and may require you to provide copies on request; (b) TAKEDOWN ON NOTICE — upon written notice from AthenaAccess that a specific post violates these terms, you will remove or correct it within 24 hours; (c) ONGOING COMPLIANCE — these terms apply to every promotion for as long as you participate, not just your first one, and AthenaAccess may update them, in which case continued participation requires you to re-accept the updated agreement; (d) BAN ENFORCEMENT — AthenaAccess may suspend or permanently terminate your participation and withhold unpaid commissions for any violation, with or without prior notice; and (e) INDEMNIFICATION / HOLD HARMLESS — you will indemnify, defend, and hold AthenaAccess harmless from any claim, regulatory action, fine, or loss arising out of a statement, post, or act of yours that departs from these terms, including any FTC, CROA, FCRA, or state regulatory exposure created by a claim you originated.
General
This is a commercial agreement between you and AthenaAccess governing your participation in the affiliate program. It is not legal or financial advice. Commission terms are as published to you separately (currently 30% of the first paid claim from each customer you refer). AthenaAccess may modify or end the program. Nothing here makes you an employee, agent, or partner of AthenaAccess, and you have no authority to bind it. By accepting below you confirm you are at least 18 and authorized to enter this agreement.