Earn by referring learners to Ihifix Digital Academy

IHIFIX DIGITAL ACADEMY AFFILIATE & REFERRAL PROGRAMME TERMS AND CONDITIONS Effective Date: October 28th 2026 Programme Operator: Ihifix Technologies limited RC Number 1492010 Programme Website: academy.ihifix.com/referral Governing Law: Federal Republic of Nigeria 1. INTRODUCTION AND ACCEPTANCE 1.1. These Terms and Conditions ("Terms") govern participation in the Ihifix Digital Academy Affiliate and Referral Programme ("Programme"), operated by [INSERT LEGAL ENTITY NAME], trading as Ihifix Digital Academy ("Ihifix", "Academy", "we", "us", or "our"). 1.2. The Programme enables eligible individuals ("Affiliates") to promote qualifying Ihifix educational programmes using unique referral links or codes and earn commissions or other approved rewards for verified, qualifying transactions. 1.3. By registering for, accessing, or participating in the Programme, an Affiliate agrees to be bound by these Terms, the applicable Commission and Rewards Schedule, and any expressly incorporated Programme policies. 1.4. Registration constitutes an offer to participate. Ihifix may accept that offer by activating the Affiliate's account, subject to subsequent eligibility and compliance verification. 1.5. Affiliates must review and accept these Terms before account activation. Ihifix shall maintain an appropriate electronic record of acceptance. 1.6. These Terms do not guarantee admission to any Ihifix programme, a particular income, continued participation, or any minimum number of referrals. 2. ELIGIBILITY AND REGISTRATION 2.1. Participation is open to existing students, alumni, and members of the public who: a. Are at least eighteen (18) years old. b. Have legal capacity to enter into a binding agreement. c. Provide accurate, complete, and verifiable registration information. d. Agree to comply with these Terms and all applicable laws. e. Are not currently suspended or permanently prohibited from participating. 2.2. Registration may be completed directly through the official Ihifix Academy platform without prior manual approval. However, access to the Programme remains conditional upon continuing eligibility and compliance. 2.3. Ihifix may request reasonable identity, account-ownership, payment, or fraud-prevention verification before activating payment privileges or processing commissions. 2.4. Each Affiliate may maintain only one active account unless Ihifix expressly authorises otherwise in writing. 2.5. Affiliates shall not impersonate another person, register under a false identity, submit another person's banking information without lawful authority, or use misleading information. 2.6. Ihifix may decline, restrict, suspend, or terminate participation on reasonable grounds relating to eligibility, suspected fraud, legal compliance, platform security, or material breach of these Terms. 3. REFERRAL LINKS, CODES AND ATTRIBUTION 3.1. Each Affiliate shall receive a unique referral link, code, or other approved tracking identifier through the Ihifix Academy platform. 3.2. Referral identifiers are personal to the Affiliate and may not be sold, assigned, transferred, or commercially sublicensed without written permission. 3.3. A referral shall ordinarily be attributed to the Affiliate whose valid code or tracked link is associated with the qualifying learner's registration and payment record, subject to the applicable attribution rules published by Ihifix. 3.4. Only one Affiliate may receive commission for a single qualifying transaction. Multiple commissions shall not be payable merely because a learner encounters or uses multiple promotional links. 3.5. In the event of conflicting attribution records, Ihifix shall determine eligibility by reasonably reviewing relevant platform logs, registration details, verified payment references, and other reliable evidence. 3.6. Affiliate dashboards and tracking tools are provided for transparency but may display provisional information pending reconciliation. 3.7. Ihifix shall not be obliged to pay commission on transactions for which valid referral attribution cannot reasonably be established. However, Affiliates may submit supporting evidence through the designated dispute process. 4. QUALIFYING REFERRALS AND TRANSACTIONS 4.1. An Affiliate becomes eligible to earn commission only where all of the following conditions are satisfied: a. A genuine learner registers through an approved Ihifix Academy application or enrolment channel. b. The learner is eligible under the applicable Programme rules and is not an excluded duplicate or previously attributed applicant. c. The Affiliate's valid referral identifier is properly recorded. d. The learner completes the required qualifying payment through an approved Ihifix payment channel. e. The payment is successfully verified and reconciled by Ihifix. f. The transaction is not fraudulent, unlawfully induced, refunded, reversed, charged back, or otherwise disqualified under these Terms. 4.2. Qualifying transactions may relate to: a. Ihifix Academy scholarship programmes requiring an approved commitment or registration fee. b. Eligible full-fee Ihifix Academy courses delivered online or physically. c. Other Ihifix programmes expressly designated as commission-eligible. 4.3. The qualifying payment amount shall be determined by the applicable course or campaign rules. Where the scholarship commitment fee is ₦10,000, commission calculations shall use the qualifying amount actually received and retained by Ihifix, subject to the applicable Commission and Rewards Schedule. 4.4. Payment by instalment shall attract commission only to the extent expressly permitted by the relevant course rules and only on verified qualifying amounts actually received. 4.5. A learner's payment outside an authorised Ihifix payment channel shall not automatically qualify for commission. Any exception must be expressly approved and supported by a verifiable Ihifix transaction record. 4.6. Where an applicant independently qualifies for admission or enrolment, the Affiliate shall have no authority to influence admission decisions, assessment outcomes, scholarship awards, or certification requirements. 5. COMMISSION STRUCTURE AND REWARDS 5.1. Applicable commission rates, progressive tiers, qualifying milestones, promotional bonuses, and other rewards shall be published in the official Commission and Rewards Schedule accessible through the Academy's Programme page or Affiliate dashboard. 5.2. Unless a specific campaign expressly provides otherwise, commission shall be calculated on the qualifying payment amount actually received and retained by Ihifix, excluding refunded amounts, reversals, and any charges or taxes expressly excluded by the applicable published Schedule. 5.3. Progression between commission tiers shall be determined by verified qualifying referrals within the stated measurement period. 5.4. The applicable tier and the treatment of milestone attainment, including whether increased rates apply retrospectively or prospectively, shall be governed by the Schedule in force when the qualifying transaction occurs. 5.5. The total cash commission, cash bonuses, and other cash-equivalent Programme incentives attributable to a qualifying fee shall not exceed twenty-five per cent (25%) of that fee, except where Ihifix expressly approves and lawfully publishes a different arrangement. 5.6. Non-cash recognition, certificates, ambassador opportunities, internships, and other discretionary benefits are subject to separately published eligibility and selection criteria. 5.7. No reward shall constitute a guarantee of employment, placement, income, scholarship continuation, or professional certification. 5.8. Unless expressly provided otherwise, the Programme operates on a single-level referral basis. Affiliates shall not earn commissions merely for recruiting other Affiliates or on transactions generated by downstream referral networks. 5.9. Ihifix may introduce, discontinue, or modify reward structures prospectively upon appropriate notice, without arbitrarily reducing verified commissions already earned under the applicable terms. 6. COMMISSION STATUS AND VERIFICATION 6.1. For purposes of these Terms, commissions may have the following statuses: Pending: A tracked referral or payment awaiting verification. Under Review: A transaction requiring additional reconciliation, eligibility review, or investigation. Approved: A qualifying transaction successfully verified and cleared in accordance with applicable Programme rules. Payable: An approved commission that has satisfied the applicable payout requirements. Paid: A commission successfully disbursed by Ihifix. Reversed or Disqualified: A transaction or commission validly cancelled following a refund, chargeback, confirmed ineligibility, fraud finding, or other contractual disqualification. 6.2. Tracking a referral does not, by itself, create an immediately payable debt. 6.3. A commission becomes an accrued entitlement when all relevant eligibility, payment verification, and clearing conditions have been satisfied. 6.4. Ihifix may conduct reasonable transaction reconciliation and fraud-prevention checks before approval or disbursement. 6.5. Ihifix shall maintain appropriate records of qualifying transactions, commission adjustments, payment confirmations, and disbursements. 6.6. In the event of a material discrepancy, the Affiliate may request a review through the designated Programme support channel. 7. PAYMENT OF COMMISSIONS 7.1. Approved commissions shall be paid in Nigerian Naira by electronic transfer to a verified bank account or another officially approved payment method. 7.2. Payouts shall follow the frequency, minimum threshold, clearing period, and processing rules published in the applicable Commission and Rewards Schedule. 7.3. Ihifix may require reasonable verification of the Affiliate's identity, payment account ownership, and compliance with applicable financial regulations. 7.4. Affiliates are responsible for providing accurate and current bank account information. Ihifix shall not be responsible for losses directly resulting from incorrect details supplied by an Affiliate, except to the extent caused or contributed to by Ihifix's own negligence, breach, or misconduct. 7.5. Where a transfer fails or is returned, Ihifix may defer reprocessing until the Affiliate provides corrected details. 7.6. Ihifix may temporarily withhold a disputed or reasonably suspected fraudulent commission while carrying out a documented and proportionate review. 7.7. Undisputed, approved commissions shall not be withheld solely because a separate transaction or referral is being investigated, unless withholding is reasonably necessary to prevent an identifiable loss or comply with law. 7.8. Ihifix shall make reasonable efforts to notify affected Affiliates of material payment delays and to resolve reconciliation issues within a reasonable period. 7.9. No interest shall accrue on commissions pending normal processing, except where applicable law requires otherwise. 8. REFUNDS, CHARGEBACKS AND COMMISSION RECOVERY 8.1. If a qualifying learner's payment is refunded, reversed, cancelled, or subject to a successful chargeback, the corresponding commission may be cancelled or proportionately adjusted. 8.2. If the commission has already been paid, Ihifix may: a. Deduct the corresponding adjustment from subsequent amounts payable to the Affiliate. b. Request repayment of any demonstrable overpayment. c. Agree on a reasonable repayment arrangement where appropriate. d. Pursue lawful recovery measures where necessary. 8.3. Ihifix shall maintain relevant records supporting adjustments and provide a reasonable explanation where an Affiliate disputes a reversal. 8.4. Ihifix shall not impose unrelated financial penalties or recover amounts exceeding the legitimate commission adjustment and any additional losses recoverable under applicable law. 8.5. Refund or chargeback adjustments may be made after the original payout where supported by verified transaction evidence. 9. PROHIBITED ACTIVITIES AND FRAUD PREVENTION 9.1. Affiliates are strictly prohibited from engaging in fraudulent, deceptive, unlawful, or manipulative conduct, including: a. Self-referrals using their own identity, payment instruments, or controlled accounts. b. Creating fake accounts, duplicate identities, or fictitious learner registrations. c. Colluding with learners, employees, contractors, or other Affiliates to manipulate commissions. d. Using unauthorised payment arrangements or fabricated payment confirmations. e. Manipulating referral identifiers, tracking systems, cookies, payment references, or dashboard records. f. Misrepresenting enrolment fees, scholarship availability, admission eligibility, training outcomes, or programme benefits. g. Offering unauthorised rebates, inducements, cashback, or discounts designed to manipulate referral activity. h. Purchasing, harvesting, or unlawfully distributing personal information for referrals. i. Using bots, malicious scripts, artificial traffic, or automated account creation to inflate recorded performance. j. Circumventing account restrictions or continuing participation after a valid suspension or termination. 9.2. Ihifix may implement proportionate security controls, including duplicate-account detection, transaction reconciliation, identity verification, and referral-pattern review. 9.3. Where there are reasonable grounds to suspect a breach, Ihifix may temporarily restrict access or hold related commissions while conducting an investigation. 9.4. Before permanently forfeiting otherwise accrued commissions for alleged misconduct, Ihifix shall, where practicable and lawful, provide the Affiliate with notice and a reasonable opportunity to respond. 9.5. Where misconduct is established on reasonable evidence, Ihifix may disqualify affected transactions, recover wrongful payments, terminate participation, or refer suspected unlawful activity to the relevant authorities. 10. MARKETING, ADVERTISING AND REPRESENTATION 10.1. Affiliates shall promote Ihifix Academy truthfully, professionally, and in compliance with applicable Nigerian advertising, consumer protection, data protection, and communications laws. 10.2. Affiliates shall not: a. Guarantee scholarship selection, admission, certification, employment, internships, business success, or income. b. Claim that courses, scholarships, or opportunities are free where a mandatory fee applies, without clearly disclosing the applicable conditions. c. Invent testimonials, endorsements, course outcomes, accreditation, partnerships, or success statistics. d. Impersonate Ihifix management, employees, official representatives, or customer-support personnel. e. Create websites, social media accounts, advertisements, or domains that misleadingly appear to be official Ihifix channels. f. Use misleading urgency, false scarcity, fabricated deadlines, or deceptive pricing claims. g. Publish harmful, defamatory, discriminatory, or unlawful content in connection with the Programme. h. Send unsolicited bulk messages or make unlawful marketing calls. i. Collect payment directly from applicants or represent themselves as authorised fee-collection agents without express written authorisation. 10.3. Affiliates must disclose their commercial relationship with Ihifix where required by law or where omission would make a promotional communication misleading. 10.4. Affiliate-generated promotional materials must accurately reflect official Ihifix information. 10.5. Ihifix may require the correction or removal of inaccurate, unauthorised, or legally problematic promotional materials. 10.6. Where Ihifix has established written advertising approval requirements for particular campaigns or paid promotions, Affiliates shall comply with those requirements. 11. BRAND, INTELLECTUAL PROPERTY AND CONTENT OWNERSHIP 11.1. Ihifix retains all rights, title, and interest in its business name, trademarks, logos, course materials, websites, software, designs, promotional assets, and other intellectual property. 11.2. While an Affiliate remains in good standing, Ihifix grants a limited, non-exclusive, non-transferable, revocable permission to use approved Programme branding solely for lawful promotional activities under these Terms. 11.3. Affiliates shall not modify official branding in a misleading manner, register confusingly similar marks or domains, or claim ownership over Ihifix intellectual property. 11.4. Any permission to use Programme branding automatically ends upon termination or withdrawal of authorisation. 11.5. Affiliates retain ownership of their independently created materials, subject to Ihifix's underlying intellectual property rights. No transfer of an Affiliate's intellectual property is implied by participation. 11.6. Ihifix may request the immediate removal of content unlawfully using its branding or materially misrepresenting its services. 12. CONFIDENTIALITY AND INFORMATION SECURITY 12.1. Affiliates shall protect any confidential or non-public business information lawfully disclosed to them in connection with the Programme. 12.2. Such information may include unpublished course pricing, internal commission structures, commercially sensitive data, non-public promotional plans, system information, and learner records. 12.3. Affiliates shall not disclose, sell, misuse, or exploit confidential information except as authorised or required by law. 12.4. Affiliates shall use reasonable security measures to protect their accounts, credentials, and any personal data lawfully handled for Programme purposes. 12.5. Affiliates must promptly report suspected account compromise, unauthorised access, or a personal-data incident through the official Programme support channel. 12.6. These obligations do not prevent lawful disclosures to regulators, law enforcement, legal advisers, or other persons entitled to receive the information. 12.7. Confidentiality obligations shall survive termination for as long as the information legitimately remains confidential. 13. DATA PROTECTION AND PRIVACY 13.1. Ihifix shall process personal data for lawful purposes associated with registration, identity verification, referral attribution, programme administration, fraud prevention, performance reporting, commission disbursement, and applicable legal obligations. 13.2. Personal-data processing shall be carried out in accordance with applicable Nigerian data protection legislation, including the Nigeria Data Protection Act 2023 and applicable subsidiary regulations, together with the Ihifix Privacy Notice. 13.3. Personal data may be shared with authorised payment processors, technology service providers, fraud-prevention providers, professional advisers, or regulators where a lawful basis exists and appropriate safeguards apply. 13.4. Where Affiliates independently collect or process prospective learners' personal data, they are responsible for identifying and complying with their applicable data protection obligations. 13.5. Affiliates shall not add individuals to marketing lists, disclose learner data, or send promotional communications without an appropriate lawful basis and any consent required by applicable law. 13.6. Affiliates shall not upload sensitive learner information to unauthorised systems or public platforms. 13.7. Ihifix shall publish a Privacy Notice explaining the categories of personal data processed, processing purposes, legal bases, relevant recipients, retention practices, data-subject rights, and contact details for privacy requests. 13.8. Personal data shall be retained only for legitimate and lawful periods, taking account of accounting, dispute-resolution, fraud-prevention, and statutory recordkeeping requirements. 14. TAXATION AND REGULATORY COMPLIANCE 14.1. Affiliates are responsible for determining and fulfilling their applicable personal or business tax obligations arising from Programme earnings. 14.2. Ihifix may deduct or withhold taxes where required by applicable law and shall maintain appropriate records of any statutory deductions. 14.3. Where required, Ihifix may request relevant tax or identity information for lawful payment and reporting purposes. 14.4. Affiliates shall comply with applicable anti-fraud, anti-corruption, consumer protection, cybersecurity, and advertising requirements. 14.5. Nothing in these Terms relieves Ihifix of its own statutory obligations. 15. INDEPENDENT AFFILIATE RELATIONSHIP 15.1. Participation in the Programme does not create an employment relationship, legal partnership, joint venture, franchise, or agency relationship between Ihifix and an Affiliate. 15.2. Affiliates have no authority to execute contracts, accept payments, incur liabilities, make employment offers, grant scholarships, or bind Ihifix to any obligation. 15.3. Affiliates independently determine how they conduct lawful promotional activities, subject to these Terms and applicable Programme restrictions. 15.4. Affiliates are responsible for their own promotional expenses unless Ihifix has expressly approved reimbursement in writing. 15.5. No salary, pension, employee allowance, statutory employment benefit, or employment entitlement arises solely from participation in the Programme. 15.6. The description of the relationship in these Terms shall not override any mandatory legal classification that may apply based on the actual relationship between the parties. 16. PLATFORM AVAILABILITY AND TECHNICAL ISSUES 16.1. Ihifix shall make reasonable efforts to maintain the availability, functionality, and integrity of the Affiliate platform. 16.2. Ihifix does not guarantee uninterrupted access or error-free operation. 16.3. Platform maintenance, payment-provider interruptions, network failures, or technical errors may temporarily affect tracking, dashboard updates, or payouts. 16.4. Where a material technical error affects commission attribution, Ihifix shall investigate reasonable complaints using available platform, registration, and payment evidence. 16.5. Ihifix may correct demonstrable calculation or recording errors and shall provide reasonable notice of material adjustments. 16.6. Affiliates shall not knowingly exploit technical vulnerabilities or retain funds resulting from clearly demonstrable system errors. 17. SUSPENSION, TERMINATION AND DISQUALIFICATION 17.1. An Affiliate may discontinue participation by notifying Ihifix through the designated support channel or an available account-closure facility. 17.2. Ihifix may suspend or terminate participation for reasons including: a. Material breach of these Terms. b. Established fraudulent or unlawful activity. c. Materially misleading promotional conduct. d. Serious brand or reputational misconduct connected to the Programme. e. Repeated misuse of Academy systems. f. Failure to satisfy eligibility or legally required verification requirements. g. Circumstances in which continued participation would expose Ihifix or its learners to a material and identifiable legal, financial, security, or operational risk. 17.3. Suspension may take immediate effect where reasonably necessary to prevent fraud, unlawful conduct, security threats, or ongoing harm. 17.4. Where appropriate, Ihifix shall notify the Affiliate of the reason for suspension or termination and provide a reasonable opportunity to seek review. 17.5. Upon termination, the Affiliate shall cease representing themselves as an active Affiliate and discontinue unauthorised use of Ihifix branding. 17.6. Validly accrued and undisputed commissions shall remain payable after termination, subject to lawful deductions and the applicable payout procedures. 17.7. Fraudulently obtained, invalid, or reversed commissions shall not become payable merely because the Affiliate's account has been closed. 17.8. Ihifix may retain records reasonably necessary for legal compliance, dispute resolution, and fraud prevention after termination. 18. LIABILITY, INDEMNITY AND COMPANY PROTECTION 18.1. To the maximum extent permitted by applicable law, Ihifix shall not be liable for an Affiliate's speculative earnings, anticipated future referrals, loss of prospective commission opportunities, or independent promotional expenditure resulting from a lawful Programme modification or termination. 18.2. Ihifix shall remain responsible for valid contractual payment obligations and any liability that cannot lawfully be excluded. 18.3. Each Affiliate agrees to indemnify Ihifix against reasonably established third-party claims, liabilities, damages, penalties, and reasonable legal costs to the extent directly arising from that Affiliate's fraudulent conduct, unlawful marketing activities, material breach of these Terms, unauthorised representations, or infringement of third-party rights. 18.4. This indemnity shall not apply to losses caused by Ihifix's own unlawful conduct, negligence, breach, or misconduct to the extent Ihifix is responsible. 18.5. Ihifix may seek injunctive relief or other lawful remedies where necessary to prevent ongoing infringement, misuse of confidential information, fraud, or material damage to its rights. 18.6. Nothing in these Terms excludes liability for fraud, wilful misconduct, or any liability that cannot lawfully be limited or excluded. 19. CHANGES TO THE PROGRAMME 19.1. Ihifix reserves the right to modify commission structures, eligibility rules, qualifying courses, Programme features, and operational procedures for legitimate commercial, technical, legal, or risk-management reasons. 19.2. Material changes affecting Affiliate rights or earnings shall ordinarily be communicated in advance through the dashboard, registered email address, or another designated official channel. 19.3. Unless legally required or expressly agreed otherwise, changes affecting commission rates or eligibility shall apply prospectively. 19.4. Validly accrued commissions under the Terms and Schedule applicable at the time of accrual shall not be retroactively reduced solely because Ihifix subsequently changes Programme incentives. 19.5. Ihifix may temporarily suspend or discontinue the Programme where necessary for legal compliance, security, financial sustainability, or other legitimate operational reasons. 19.6. On permanent discontinuation, Ihifix shall establish a reasonable process for reconciling outstanding valid commissions and communicating final payment arrangements. 19.7. Where a material contractual change requires renewed acceptance under applicable law, continued participation shall be subject to the Affiliate's acceptance of the revised Terms. 20. COMPLAINTS AND DISPUTE RESOLUTION 20.1. Affiliates may submit complaints concerning attribution, commission calculations, payment delays, account restrictions, or other Programme matters through the designated Ihifix support channel. 20.2. Ihifix shall acknowledge complaints within a reasonable period and make good-faith efforts to resolve them through internal review. 20.3. Affiliates should provide relevant referral identifiers, transaction references, dates, and supporting documentation, where available. 20.4. Where a dispute cannot be resolved internally, the parties shall first attempt good-faith negotiation and may mutually agree to mediation. 20.5. These Terms shall be governed by the laws of the Federal Republic of Nigeria. 20.6. Subject to applicable mandatory jurisdictional rules, the courts of competent jurisdiction in Kaduna State, Nigeria, shall have jurisdiction over disputes arising from these Terms. 20.7. Nothing in this clause shall prevent a party from seeking urgent protective relief from a competent court or exercising statutory rights before an appropriate regulatory authority. 21. GENERAL PROVISIONS 21.1. Entire Agreement: These Terms, the applicable Commission and Rewards Schedule, and expressly incorporated policies constitute the agreement governing Affiliate participation. 21.2. Severability: If any provision is held invalid or unenforceable, the remaining provisions shall continue in effect to the extent legally permissible. 21.3. No Waiver: Failure by Ihifix to enforce a provision on one occasion shall not automatically constitute a waiver of its rights on another occasion. 21.4. Assignment: Affiliates may not transfer their rights or obligations without prior written consent. Ihifix may transfer the Programme to a lawful successor or affiliate entity subject to applicable law and preservation of existing contractual obligations. 21.5. Electronic Communications: Programme notices, acceptance records, and contractual communications may be delivered electronically where permitted by applicable law. 21.6. Third-Party Rights: Except where applicable law provides otherwise, these Terms do not confer contractual enforcement rights on unrelated third parties. 21.7. Interpretation: Headings are included for convenience and do not alter the meaning of the provisions. 22. CONTACT INFORMATION For Programme assistance, complaints, or legal enquiries: Programme Operator: [INSERT REGISTERED LEGAL NAME] Registered or Business Address: [INSERT] Programme Email: [INSERT] Privacy Contact: [INSERT] Official Website: academy.ihifix.com 23. AFFILIATE ACKNOWLEDGEMENT By selecting "I Agree", creating an Affiliate account, or participating after valid acceptance of these Terms, the Affiliate confirms that: a. They have read and understood these Terms. b. They satisfy the Programme's eligibility requirements. c. They understand that commissions are payable only on qualifying, verified transactions. d. They agree to comply with applicable marketing, financial, and data protection obligations. e. They understand that Ihifix may investigate suspected fraud and exercise its contractual rights in accordance with these Terms and applicable law. f. They understand that participation does not guarantee income, employment, scholarship approval, or any other professional opportunity.

Commission is earned only on fees verified as paid, and is reversed if a fee is refunded. Rates can change for future referrals; what you've already earned stays yours. Nothing here is a promise of income.