Affiliate Partner Program

Affiliate Policy

Credit Repair Evolved — a DBA of HVHA Marketing LLC · Santa Ana, CA 92705
Version 1.0-2026-08 · Effective August 2026

This Agreement governs participation in the Credit Repair Evolved Affiliate Partner Program (the “Program”). It is between HVHA Marketing LLC, doing business as Credit Repair Evolved (“CRE”, “we”, “us”), and the individual or entity accepting it (“Partner”, “you”). By signing below you agree to be bound by it.

1. What the Program is

You may refer prospective clients to CRE. When a referred client enrolls and completes the start payment for their program, you earn the commission stated in Section 3. You are an independent contractor. Nothing here creates an employment, agency, partnership or joint-venture relationship, and you have no authority to bind CRE, to quote terms on its behalf, or to accept money from a client on its behalf.

2. Approval and standing

Participation is by application and approval. CRE may approve, decline, suspend or remove any Partner at its discretion in order to protect program integrity and the quality of the client experience. There is no minimum referral volume and no exclusivity. Partners with sustained performance may be offered negotiated tiers in writing; absent such a writing, the rate recorded on your partner account applies.

3. Commission

The published Program rates are:

• The 28-Day Blitz — $400 per enrolled client.
• The 700 Protocol — $150 per enrolled client.
• Foundation Protocol — $50 per enrolled client.

Absent a rate recorded on your partner account or agreed in writing, these published rates apply.

A commission is earned when, and only when, the referred client completes the start payment for that program as published at the time of the referral. Where a program offers a split start payment, the commission is earned when the final instalment of that start payment clears.

No commission is earned for a lead, a click, a form submission, a booked consultation, a credit-report pull, or for any recurring or monthly amount a client later pays. Commission is paid once per client, on the first program that client enrols in.

4. Attribution

A referral is attributed to you when the client is submitted through your portal or arrives through your tracked referral link, or when the client identifies you by name at enrolment and CRE can corroborate it. Where two Partners have a claim to the same client, attribution goes to the earlier recorded submission. Where a person is already a CRE client, a lead already in CRE's pipeline, or a member of your own household, no commission is earned.

5. Payment, chargeback and clawback

Commissions are paid on the schedule agreed at approval, by Zelle, ACH or wire, to the details you supply. A completed IRS Form W-9 is required before the first payout; CRE reports payments as required by law. CRE does not withhold taxes, and you are responsible for your own.

A commission is reversed if the underlying payment is refunded, charged back, or reversed for any reason — including a client's exercise of the three-business-day right to cancel under CROA § 1679e — or if the referral is found to breach Section 6. A reversal is deducted from the next payout, or is repayable on request where no further payout is due.

6. How you may promote

These five commitments are the substance of the Program and each one is a condition of participation:

1. No income, score or results claims. You may not make specific, guaranteed or misleading claims about income, score increases, deletions or timelines. Use only the language and outcomes contained in CRE's approved marketing materials.
2. FTC disclosure. You must clearly and conspicuously disclose your material connection to CRE in every promotion, in compliance with the FTC Endorsement Guides, 16 CFR Part 255.
3. Legitimate referrals only. Every referred client must be a real, willing participant. Fraudulent, incentivised, coerced or non-consensual referrals forfeit all commissions and end participation.
4. No misrepresentation of CRE. You may not describe yourself as CRE, its employee or its agent; may not quote prices, timelines or terms other than those published; and may not give legal advice or advise a consumer about disputing specific items.
5. Program discretion. CRE may approve, deny or remove Partners to protect program integrity and performance standards.

You must also comply with applicable law in your promotion, including the TCPA and CAN-SPAM. You may not use unsolicited calls, texts, ringless voicemail or email to persons who have not consented; may not bid on CRE's brand terms in paid search without written permission; and may not represent CRE on a site that would embarrass a regulated financial-services brand.

7. Client relationship and data

Referred clients are CRE's clients. Any consumer information you receive in connection with the Program is confidential, may be used only to make and service the referral, and may not be sold, rented or disclosed. You may not collect a consumer's Social Security number, full account numbers or credit-report credentials on CRE's behalf. CRE performs all credit-repair services; you perform none, and you may not charge a consumer any fee for a referral.

8. Marks

CRE grants you a limited, revocable, non-exclusive, non-transferable licence to use CRE's name and logos solely to promote the Program, in the form supplied, without alteration. The licence ends when your participation ends, and all use must stop.

9. Term and termination

Either party may end this Agreement at any time, with or without cause, on written notice. Commissions properly earned before termination remain payable, subject to Section 5. Sections 5, 6, 7, 8, 10 and 11 survive.

10. No warranty; limitation of liability

The Program is provided as-is. CRE does not guarantee any level of referrals, conversions or earnings, and any figures shown in Program materials are illustrations, not projections. To the extent permitted by law, CRE's total liability arising out of the Program is limited to the commissions paid to you in the twelve months preceding the claim.

11. Indemnity, law and changes

You will indemnify CRE against claims arising from your promotion, your breach of Section 6, or your violation of law. This Agreement is governed by the laws of the State of California, without regard to conflict-of-laws rules, and venue lies in Orange County, California.

CRE may update this Agreement. Material changes will be presented for signature, and continued participation after a non-material change constitutes acceptance. The version in force is the one you most recently signed.

12. Contact

Questions about this Agreement: support@creditrepairevolved.co · (619) 261-8465 · Monday–Friday, 9:00 AM – 5:00 PM PST.

This page reproduces the Affiliate Partner Agreement that approved partners execute in the Credit Repair Evolved partner portal. The executed version, with the partner's own recorded commission terms, governs. Questions: support@creditrepairevolved.co · (619) 261-8465.