AFFILIATE PROGRAM DISCLAIMER

Effective Date: 7/1/2025

GENERAL DISCLAIMER

This affiliate program disclaimer ("Disclaimer") governs your participation in the Sequoia Brokerage affiliate program ("Program"). By registering as an affiliate or promoting our lending services, you acknowledge that you have read, understood, and agree to comply with all terms outlined in this Disclaimer and our affiliate program agreement.

AFFILIATE RELATIONSHIP

Independent Contractor Status

As a Sequoia Brokerage affiliate, you are an independent contractor, not an employee, partner, or agent of Sequoia Brokerage. You are solely responsible for:

Your own tax obligations and reporting

Compliance with applicable laws and regulations

Your marketing activities and promotional methods

Customer service for your referred leads

No Authority to Bind

Affiliates are not authorized to:
– Make commitments on behalf of Sequoia Brokerage
– Guarantee loan approval or terms
– Modify commissions or program policies
– Enter into contracts on Sequoia’s behalf

COMMISSION STRUCTURE AND PAYMENTS

Commission Tiers

Commission payments are based on funded loan amounts as follows:

$100K - $250K Loan Value: $500 commission

$250K - $500K Loan Value: $700 commission

$500K - $1M Loan Value: $1,000 commission

Over $1M Loan Value: $2,000 commission

Payment Terms

Payout Schedule: 7 days after loan funding

Minimum Payment: No minimum payment threshold

Cookie Duration: 6 months from initial referral click

Payment Method: As specified in affiliate agreement

Commission Conditions

Commissions are paid only when:

Referred customer completes a funded loan

Customer was referred through your unique affiliate link

Loan funding occurs within the 6-month cookie window

Customer has not been previously referred by another affiliate

All program terms and conditions are met

MARKETING AND PROMOTIONAL GUIDELINES

Permitted Marketing Activities

Social media promotion (personal and business accounts)

Email marketing to your existing contacts

Content marketing through blogs, websites, or videos

Paid advertising (with pre-approval for certain platforms)

Word-of-mouth referrals

Prohibited Marketing Activities

Spam or unsolicited emails to purchased lists

False or misleading claims about loan terms or approval guarantees

Trademark infringement or unauthorized use of Sequoia Brokerage branding

Illegal marketing practices including but not limited to: Deceptive advertising Bait-and-switch tactics Violation of CAN-SPAM Act Misrepresentation of affiliate relationship

Required Disclosures

All promotional materials must include clear disclosure that:

You are a paid affiliate of Sequoia Brokerage

You may receive compensation for qualified referrals

Loan approval is subject to underwriting and qualification requirements

Example Disclosure: "This post contains affiliate links. I may receive compensation if you apply for a loan through my referral link. Loan approval subject to qualification requirements."

LEGAL COMPLIANCE REQUIREMENTS

Affiliates must comply with all applicable federal and state regulations, including but not limited to:
Truth in Lending Act (TILA)

Real Estate Settlement Procedures Act (RESPA)

Equal Credit Opportunity Act (ECOA)

Fair Credit Reporting Act (FCRA)

State licensing requirements (where applicable)

FTC Guidelines for endorsements and affiliate marketing

Professional Licensing

If your promotional activities require professional licensing (such as mortgage broker or loan originator licenses), you are responsible for:

Obtaining and maintaining required licenses

Complying with continuing education requirements

Following all professional conduct standards

Disclosure of license status when required

PROGRAM TERMINATION

Voluntary Termination

You may terminate your participation at any time by:

Providing written notice to Sequoia Brokerage

Ceasing all promotional activities

Removing affiliate links and promotional materials

Involuntary Termination

Sequoia Brokerage reserves the right to terminate your participation for:

Violation of program terms or applicable laws

Fraudulent or misleading marketing practices

Failure to maintain required licenses or compliance

Conduct detrimental to Sequoia Brokerage's reputation

Non-performance or inactivity for extended periods

Post-Termination Obligations

Upon termination:

Remove all Sequoia Brokerage promotional materials

Cease use of trademarks and branded content

Outstanding commissions will be paid per normal schedule

Confidentiality obligations continue indefinitely

LIMITATION OF LIABILITY

No Guarantees

Sequoia Brokerage makes no guarantees regarding:

Commission earnings potential

Lead conversion rates

Marketing material effectiveness

Program continuation or modifications

Liability Limitations

Sequoia Brokerage's liability is limited to:

Payment of earned commissions as specified

Actual damages not exceeding total commissions paid

No consequential, indirect, or punitive damages

Indemnification

Affiliates agree to indemnify Sequoia Brokerage against claims arising from:

Violation of program terms or applicable laws

Misleading or fraudulent marketing practices

Trademark or copyright infringement

Breach of professional licensing requirements

INTELLECTUAL PROPERTY

Trademark Usage

Use of Sequoia Brokerage trademarks limited to program purposes

No domain registration containing company trademarks

No modification of provided marketing materials

Immediate cessation of use upon program termination

Marketing Materials

Provided materials are for affiliate use only

No redistribution to third parties

Materials remain property of Sequoia Brokerage

Updated materials must replace outdated versions

PRIVACY AND DATA PROTECTION

Customer Information

Affiliates must:

Protect referred customer privacy

Not retain customer personal information

Comply with applicable privacy laws

Direct customers to official privacy policy

Tracking and Analytics

Affiliate portal provides performance tracking

Data used for commission calculation and reporting

Information sharing limited to program administration

Comply with data retention policies

MODIFICATIONS TO PROGRAM

Program Changes

Sequoia Brokerage reserves the right to modify:

Commission structures and payment terms

Program terms and conditions

Marketing guidelines and restrictions

Tracking and reporting systems

Notification Process

Material changes will be communicated through:

Email notifications to active affiliates

Updates posted in affiliate portal

Revised agreements or program materials

Continued Participation

Continued participation after notification constitutes acceptance of modifications.

DISPUTE RESOLUTION

Arbitration Requirement

Disputes must be resolved through binding arbitration rather than litigation, except for:

Commission payment disputes under $1,000

Injunctive relief matters

Small claims court proceedings

Governing Law

This Disclaimer is governed by the laws of Missouri and applicable federal regulations.

CONTACT INFORMATION

Affiliate Program Support
Phone: (314) 709-1819
Email: [email protected]

AFFILIATE ACKNOWLEDGMENT

By participating in the Sequoia Brokerage affiliate program, you acknowledge that:

✓ You have read and understand this Disclaimer in its entirety
✓ You agree to comply with all applicable laws and regulations
✓ You understand the commission structure and payment terms
✓ You will maintain appropriate disclosures in all promotional activities
✓ You accept the limitations of liability outlined herein
✓ You understand your obligations as an independent contractor

This disclaimer is subject to change. Affiliates are responsible for staying current with the most recent version available at sequoiabrokerage.net/affiliate-disclaimer

This document contains important legal information regarding your participation in our affiliate program. Please read carefully and consult with legal counsel if you have questions about compliance requirements.