Last updated: September 6, 2026
This agreement is between KKATC, a sole proprietorship owned by Konstantin Koretskiy ('KKATC,' 'we,' 'us'), and the Affiliate, consistent with how KKATC is defined in the main Terms of Service at kkatc.com/terms.
The KKATC Cards Affiliate Program ('the Program') allows approved participants ('Affiliates,' 'you') to earn a commission by referring new customers to KKATC Cards using a unique referral link provided to you. Participation is voluntary and at KKATC's sole discretion.
You must be at least 18 years old and legally able to enter into this agreement. This Program is currently intended for Affiliates who are United States persons for tax purposes (as that term is used on Form W-9), given the W-9/Form 1099-NEC reporting mechanics described in Section 6; KKATC may extend eligibility to non-U.S. Affiliates in the future with updated terms. You may not refer yourself, an account you control (any account where you direct the login, the payment method, or hold a beneficial interest in the outcome), or an account belonging to a household member (someone who shares your residential address or tax household) for the purpose of earning commission on your own purchase. KKATC may decline or remove any applicant or Affiliate at its sole discretion, with or without cause.
When someone visits KKATC Cards through your referral link, a click is recorded. If that visitor creates a KKATC Cards account within 30 days of that click, the account is attributed to you. Attribution is permanent once made and is not affected by that customer later canceling, pausing, or resubscribing. A click older than 30 days at the time of signup does not result in attribution. Attribution is recorded based on server-recorded data, not on anything supplied by the visitor's browser.
An account can be attributed to only one Affiliate, determined by whichever valid click and signup combination occurs first. KKATC's records of attribution are final.
Permanence means the account stays tied to you as the referring Affiliate. It does not mean unlimited or ongoing earning — what you actually earn from that account still follows Section 4's rates and caps, and stops once a Referral Event no longer occurs or a cap is reached.
Attribution alone does not generate commission. Visiting your link, or creating a free account, is not compensable. See Section 4 for what actually triggers payment.
Commission is earned only when a specific, defined event occurs (a 'Referral Event'): an account already attributed to you under Section 3 makes a payment to KKATC, for one of the paid products listed below, that actually clears. Visiting your link, creating a free account, or signing up without ever paying does not constitute a Referral Event and generates no commission. No commission is earned or payable on unpaid or free-tier activity.
The dollar amounts in the table below are illustrative, calculated at current list price. The rate (percentage) is what actually governs. Commission is always calculated as the stated rate applied to the amount the customer actually paid, not list price. If a payment is discounted or promotional, the dollar amount you earn is proportionally lower than the table shows; the table's dollar column is a reference point, not a fixed payout.
Product
Rate
Amount at list price
Cap
Collector (per tax year, one-time purchase)
25%
$7.50
Paid once per referred customer's first Collector purchase. If that same customer purchases Collector again in a later tax year, that later purchase does not earn additional commission.
Pro or Suite, Annual
25%
$30.00 or $50.00
Paid once per referred customer; a renewal in a following year does not earn again
Pro or Suite, Monthly
20%
$3.00 or $5.00
Paid for each month the customer's payment clears, up to 12 total paid months per referred customer over the life of that customer's account
The monthly cap is cumulative, not consecutive. If a referred customer's subscription lapses and later resumes, commission simply does not accrue during the gap; the count picks back up rather than resetting, and still stops permanently once 12 total paid months are reached.
A payment 'clears' when KKATC's payment processor marks the charge successful, and it has not been reversed as of the relevant payout cutoff under Section 5. This is the bright line the reversal rule below depends on.
Reversed payments are governed entirely by timing, and only two outcomes exist:
If a payment is reversed before KKATC has paid you commission on it — whether by a bank or card issuer (a chargeback or dispute) or by KKATC — no commission was ever owed on that payment, and none becomes owed later.
If a payment is reversed after KKATC has already paid you commission on it, that commission is final. KKATC will not claw it back, invoice you for it, deduct it from a future payment, or net it against any other amount owed to you under this Program, regardless of the reason for the reversal.
There is no third outcome. This rule survives termination of your participation in the Program (see Section 16).
KKATC may modify the commission structure prospectively at any time with notice. Changes apply to referrals made after the change takes effect; they do not retroactively reduce commission already earned.
Commission owed is calculated as total commission earned minus total commission already paid. KKATC pays Affiliates monthly, covering commission earned through the end of the prior calendar month, no later than 30 days after that month closes. Payment is made via Zelle or another method KKATC may reasonably adopt or agree to.
A minimum payout threshold of $25 applies. If your owed balance is below $25 at a scheduled payment date, it carries forward and is paid once the threshold is reached, rather than being paid out in smaller increments.
You are responsible for providing accurate payout information. KKATC is not responsible for a payment sent to payout information you provided incorrectly or failed to update. The name on your payout method must match the legal name on your W-9; a mismatch can cause a payment to fail or go to the wrong recipient, and is your responsibility to correct. KKATC may change its payment method in the future with notice.
The Affiliate dashboard controls what is owed. If a screenshot, message, or your own records ever conflict with what KKATC's books and the Affiliate dashboard show, KKATC's books control.
You are an independent contractor, not an employee of KKATC, for all purposes under this Program. You are solely responsible for any taxes owed on commission you receive. As a condition of participating in this Program, you agree to provide a completed Form W-9 before your first payment is made. This is separate from, and earlier than, the IRS reporting threshold described below; KKATC collects this information for every Affiliate at the outset so that valid tax information is on file before any commission is paid. If you are paid $600 or more from this Program in a calendar year, KKATC is required to issue you a Form 1099-NEC for that year. This threshold determines whether a 1099-NEC is issued, not whether a W-9 is collected; it is based on amounts actually paid to you during the calendar year, consistent with IRS Form 1099-NEC reporting rules, not on amounts earned or accrued but not yet paid. You agree to keep your W-9 information current and to provide an updated form promptly upon request. KKATC will withhold payment if valid W-9 information is not on file, and may be required by law to apply backup withholding to future payments if a valid taxpayer identification number is not furnished after being requested.
Disclosure is required, not optional. Under FTC guidelines, if you promote KKATC Cards anywhere in exchange for a commission, you must clearly and conspicuously disclose that you earn a commission for referrals. A compliant disclosure is a clear, unavoidable statement near the recommendation itself, for example: 'I earn a commission if you sign up through my link.' Burying the disclosure in a bio, an 'about' section, or a linked page by itself is not sufficient. KKATC may require proof of disclosure or terminate your participation if you don't comply.
Do not make false, misleading, or unauthorized claims about any and all components of KKATC Cards, including, but not limited to, its pricing, its tax treatment, or its accuracy. Refer to KKATC's own published materials for accurate claims about the product.
Do not present yourself as an employee, representative, or official spokesperson of KKATC unless separately authorized in writing. You may not reference any professional tax credential (including Enrolled Agent status) or any title suggesting one (including 'Tax Director') in connection with the Program or in any content promoting KKATC Cards, regardless of whether such a credential is held by anyone at KKATC, unless and until KKATC states otherwise in writing.
Do not spam, send unsolicited bulk messages, or violate the rules of any platform or community you post in. You are responsible for complying with each platform's own promotional/self-promotion rules.
Do not bid on KKATC's trademarked terms in paid search advertising, or otherwise use paid advertising in a way that competes with KKATC's own marketing, without separate written permission.
Do not attempt to manipulate attribution, including but not limited to referring yourself, using bots or automated traffic, or exploiting any technical aspect of the referral system.
KKATC® is a registered trademark of Konstantin Koretskiy, doing business as KKATC (USPTO Registration No. 8,195,725, registered September 8, 2026, on application Serial No. 99719219). KKATC® Cards is a trademark of Konstantin Koretskiy. All goodwill generated through use of KKATC marks inures solely to the benefit of Konstantin Koretskiy, consistent with Section 2 of the main Terms of Service.
KKATC grants you a limited, non-exclusive, revocable license to use the name 'KKATC Cards' and any logo or graphics KKATC provides to you specifically for the Program, solely to promote KKATC Cards through the Program and solely in the form provided. This license is not a trademark registration, an endorsement of you by KKATC, or a grant of any ownership interest in any KKATC mark. You may not alter any logo, create your own variation of KKATC's branding, or use KKATC's name or marks in a domain name, social media handle, or business name. This license ends immediately if your Affiliate status is paused or revoked, or if you stop participating in the Program.
Any non-public information KKATC shares with you in connection with the Program (including but not limited to unreleased pricing changes, program terms not yet publicly announced, or performance data about other Affiliates) is confidential. You agree not to disclose it to anyone outside your own use of the Program without KKATC's written permission.
This obligation lasts for two years after you receive the information, or after your participation in the Program ends, whichever is later. It does not apply to information that is or becomes publicly available through no fault of yours, that you already lawfully knew before receiving it from KKATC, or that you're required to disclose by law or legal process, provided you give KKATC reasonable notice first where legally permitted so KKATC can seek protection if it chooses to.
KKATC may pause or revoke your Affiliate status at any time, for any reason, at its sole discretion. A paused or revoked status stops new referrals from being attributed to you going forward (existing, already-made attributions are unaffected by a status change) and, if revoked, ends your access to your Affiliate dashboard. It does not affect commission you already earned prior to the status change — commission already earned remains owed and will be paid according to Section 5, subject to the terms of this agreement remaining otherwise satisfied (including tax reporting requirements in Section 6).
You may stop participating at any time by notifying KKATC. Commission already earned as of that date remains payable under the same terms.
This Program does not guarantee any level of earnings. Commission depends entirely on the occurrence of Referral Events. Past performance by you or any other Affiliate is not a predictor of future results.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, KKATC's total liability to you arising out of or related to this Program, however arising, will not exceed the greater of (a) the total commission actually paid to you under this Program in the twelve months preceding the claim, or (b) $500.00. KKATC is not liable for indirect, incidental, consequential, or lost-profit damages arising from your participation in the Program.
You agree to indemnify, defend, and hold harmless KKATC, its owner, employees, and agents from and against any claim, loss, or liability (including reasonable attorneys' fees) arising from your breach of this agreement, including but not limited to false or misleading claims you make about KKATC Cards, failure to comply with FTC disclosure requirements, or violation of any platform's rules in the course of promoting KKATC Cards. This obligation applies to conduct occurring before termination of your participation, even if the claim arises or is brought afterward.
Information you provide as an Affiliate is handled in accordance with KKATC's Privacy Policy at kkatc.com/privacy, incorporated here by reference. Payout information and W-9 tax information are used solely to administer the Program, calculate and pay commission, and meet KKATC's tax reporting obligations. Tax identification numbers are stored encrypted and are not displayed in full anywhere in the Affiliate dashboard or any KKATC-facing tool; only KKATC's designated administrator can access the underlying value, and only as needed for required tax filings. W-9 information is retained for as long as applicable tax law requires KKATC to retain it.
Nothing in this agreement creates a partnership, joint venture, agency, or any other employment relationship between you and KKATC. You have no authority to bind KKATC to any obligation.
The following survive termination of your participation in the Program: Section 4's no-clawback rule with respect to payments already made, Section 6 (Tax Reporting), Section 8's license termination (i.e., the license itself still ends, but the underlying trademark rights and restrictions continue to bind you), Section 9 (Confidentiality), Section 12 (Limitation of Liability), Section 13 (Indemnification), Section 14 (Privacy and Data Handling), Section 17 (Dispute Resolution), Section 19 (Governing Law), and any already-earned, unpaid commission obligation under Section 5.
Any dispute, claim, or controversy arising out of or relating to this agreement shall be resolved exclusively through binding arbitration, rather than in court, except that either party may seek injunctive or equitable relief in court for misuse of KKATC's trademarks or other intellectual property, or for willful fraud or manipulation of the referral/attribution system. This exception is narrow and does not extend to ordinary disputes about compliance with Section 7 generally.
Arbitration shall be conducted by a single arbitrator under the rules of the American Arbitration Association (AAA). The arbitration shall take place in Brooklyn, New York. The arbitrator's decision shall be final and binding. Each party shall bear its own costs unless the arbitrator determines otherwise.
You waive any right to participate in a class action lawsuit or class-wide arbitration. All claims must be brought in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.
This section is intended to be consistent with Section 12 of KKATC's main Terms of Service. If the two are ever found to conflict, this Program's terms control disputes specific to the Affiliate Program.
You may not assign or transfer this agreement or any rights or obligations hereunder without KKATC's prior written consent. KKATC may assign this agreement without restriction, including in connection with KKATC's conversion to or operation through a different legal entity (such as a future LLC), a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets. Any such successor assumes all payment obligations for commission already earned as of the date of assignment. This agreement binds and inures to the benefit of the parties and their permitted successors and assigns.
This agreement is governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. To the extent any dispute is heard in court, you consent to exclusive jurisdiction in the state and federal courts located in Kings County, New York.
If any provision of this agreement is found to be unenforceable or invalid under applicable law, that provision shall be limited or eliminated to the minimum extent necessary so that the agreement shall otherwise remain in full force and effect and enforceable.
You become bound by this agreement by checking the acceptance box (or equivalent electronic acceptance mechanism) presented during Affiliate enrollment. You consent to conduct this transaction electronically, consistent with Section 7 of KKATC's main Terms of Service, and agree your electronic acceptance has the same legal effect as a handwritten signature to the fullest extent permitted under the E-SIGN Act (15 U.S.C. § 7001 et seq.) and applicable state adoptions of UETA.
This agreement, together with KKATC's Privacy Policy, constitutes the entire agreement between you and KKATC with respect to the Program and supersedes all prior agreements, representations, and understandings regarding the Program specifically. It does not replace or modify KKATC's main Terms of Service governing your general use of KKATC Cards as a customer, if applicable.
KKATC may update these terms at any time. Continued participation in the Program after an update constitutes acceptance of the updated terms. Material changes will be communicated to active Affiliates in advance where practicable.
Notice to KKATC under this agreement must be sent to legal@kkatc.com or to KKATC, Konstantin Koretskiy, 418 Broadway #12350, Albany, NY 12207. Notice to you may be given via the email address associated with your Affiliate account, or by posting in your Affiliate dashboard. Notice is deemed given 24 hours after email transmission (absent bounce-back notification) or immediately upon posting to the dashboard.
This document has been reviewed by counsel and approved as final.