PAMMO — AFFILIATE PROGRAM TERMS (INCLUDING FGF)

Version 1 — Publication-Ready Pending Final Review Last Updated: 2026-05-18 Effective Date: 1 July 2026 (Affiliate Soft Launch); 15 May 2026 (FGF — open from Beta start to every Pammo User)

These Affiliate Program Terms (the "Affiliate Terms") govern your participation in (a) the Pammo Friend-Get-Friend Program ("FGF Program" — open to every User from account creation) and (b) the Pammo Affiliate Program (apply-based, open to all individuals approved by Pammo) (together, the "Programs"). They form part of the Pammo Terms and Conditions of Service (Main) V1 (the "Main T&C"). Capitalized terms not defined here have the meaning given in the Main T&C and the underlying FGF-Affiliate-Business-Rules-V3 V3 source.

These Affiliate Terms are entered into between you ("Affiliate" / "Inviter", "you") and the Pammo contracting entity associated with your country of residence at the time of Affiliate approval (or, for FGF, at the time of account creation) — AEDOWON CO., LTD for Thailand-resident counterparties or AEDOWON SINGAPORE PTE. LTD. (UEN 202612161D) for international counterparties (together, "Pammo").

1. PROGRAM OVERVIEW

1.1 Two Programs, One Document.

1.2 Distinct Mechanisms. FGF and Affiliate Program are operationally separate — FGF link ≠ Affiliate link; FGF tracking ≠ Affiliate tracking; FGF reward = Product Credit only; Affiliate reward = cash. The two coexist on the same User account and may both be used by the same person.

1.3 Creator Program (Override). Approved Creators receive a fixed override commission (Pro 13% / Elite 15%) per Pammo-Creator-Program-Terms-V1. The Creator override replaces the Affiliate Tier rate from the date of Creator approval forward.

2. FGF PROGRAM TERMS (Friend-Get-Friend)

2.1 Open to Every User. Every Pammo User receives a unique FGF Link upon account creation — including Free-tier Users. (Per FGF-Affiliate-Business-Rules-V3 §2.1 F1.)

2.2 Inviter Cap (F3). 4 successful invites per Inviter, lifetime. Cap is per-account and not reset by phase transition.

2.3 Activation Gate (F4). A referral becomes a "successful invite" only when all of the following are true for the Invitee:

(a) The Invitee is a genuinely new account (no prior Pammo account associated with the Invitee's identity, payment method, IP, device, or email domain, subject to AB1–AB7); (b) The Invitee has been subscribed (Free, Beta PRO, PRO, or ULTRA) for 7 calendar days; (c) The Invitee has created ≥ 3 listings in the Service; (d) The Invitee has linked a valid Authorized Payment Method per Main T&C §4.3 (F7).

2.4 Mutual Invite Block (F5). If A invites B and B subsequently invites A, the second-direction reward is auto-blocked.

2.5 Reward — Product Credit (D-07 Canonical). Per Pammo-Program-Rules-V1 §3.5 and FGF-Affiliate-Blackhole-Research-V3 §6.1:

(a) Inviter Reward — Phase-specific Product Credit bonus per successful invite (credit / Discovery credit bonus), vesting on Activation Gate. The precise reward quantities per phase (Beta / Early Access / Grand Launch) are governed by the phase-specific rules in Pammo-Program-Rules-V1 §3 and the underlying canonical FGF Beta-Rules / Early-Access-Rules / Grand-Launch-Rules.

(b) Invitee Reward — Phase-specific Product Credit bonus credited on signup + Payment-Method link (per F4(d)).

(c) No cash, no THB voucher, no rollover — except via the Product Credit bonus pool mechanics under the canonical source-of-truth rules.

2.6 No Inviter Reward on Yearly Lock Conversion (CF3-style). If an Invitee subsequently converts from Monthly to Yearly during the same Billing Cycle window where their original Activation vested, no additional FGF Inviter reward is paid on the Yearly conversion. Original credit is retained.

2.7 Product Credit Treatment. Product Credit bonuses are not expirable while the recipient holds an active account; not transferable; not redeemable for cash; not commissionable for any Affiliate or Creator. They are consumed within the Service like Plan credits / Discovery credits (subject to the source-of-truth bonus pool rules).

2.8 Operator Recipient. The Pammo entity funding the FGF Product Credit reward is determined by the Inviter's residence per Pammo-Program-Rules-V1 §3.9.

3. AFFILIATE PROGRAM ELIGIBILITY AND APPLICATION

3.1 Eligibility. Any person — Pammo User or not — may apply to the Affiliate Program (per FGF-Affiliate-Business-Rules-V3 §3 A1–A2):

(a) You must be at least 18 years of age and have legal capacity; (b) You must not be located in a sanctioned jurisdiction; (c) You provide accurate registration information; (d) Approval is at Pammo's discretion based on credibility of promotion channels and adherence to AUP.

3.2 Application Form. Submit via pammo.co/affiliate-apply with:

• Full name, email, mobile, LINE ID
• Promotion channels (Facebook, LINE, TikTok, YouTube, Blog, Other)
• Approximate audience size
• Reason for interest
• Whether you are a real-estate professional
• Payout method preference (Bank / Wise / PayPal)
• Bank details or Wise / PayPal email per chosen payout method
• Past brand collaborations (optional)

3.3 Review SLA. 48-hour manual-review SLA during Phase 2 (Early Access soft launch). Auto-approve available for ULTRA subscribers with ≥ 10 verified listings (per FGF-Affiliate-Business-Rules-V3 §8).

3.4 Approval / Rejection. Approval is at Pammo's sole discretion. Rejected applicants may re-apply after 90 days with revised submissions.

4. AFFILIATE COMMISSION STRUCTURE

4.1 Tiered Recurring Commission (A3). Tier is determined by the Affiliate's lifetime Referred-User count and is re-evaluated on each new successful referral:

4.2 Commission Base = Actual Paid Revenue (A4). Commission is calculated on the price the Referred User actually paid for each Billing Cycle (after any active discount per A16 50% cap rule).

4.3 Referred-User Sign-Up Discount (A5). Users signing up via an approved Affiliate link receive 25% off for 3 months on their subscription. Monthly: 25% × 3 months = 517.50 ฿/mo (PRO) or 1,342.50 ฿/mo (ULTRA). Yearly: formula (base × 75% × 3 + base × 9) × 80% (yearly 20% off) per FGF-Affiliate-Business-Rules-V3 §3 A5 detail.

4.4 Cookie — 60 Calendar Days, First-Click Wins (A6 / A7). A Referred User who clicks an Affiliate link and signs up within 60 days is attributed to that Affiliate. Subsequent clicks within the same window do not re-attribute.

4.5 Activation Gate. As FGF Activation Gate §2.3(a)–(d) — substituting "Affiliate" for "Inviter".

4.6 Hold Period (A11). Commission accrues to Pending for 14 calendar days post-activation; thereafter it becomes withdrawable.

4.7 Minimum Payout (A8). THB 500 (or USD-equivalent FX-locked per Pammo-Pricing-Schedule-V1 §11.2).

4.8 Payout Frequency (A9). Monthly, on the 15th of each calendar month, of accrued released balance.

4.9 Payment Methods (A10). Bank transfer via Omise / Currenxie partners (TH), Wise, or PayPal — per Pammo-Payment-Processor-Partners-V1 §2. Payouts denominated in the Affiliate's local currency where supported, with FX lock at Bank-of-Thailand mid-rate for THB payouts (per Pricing Schedule §11.2).

4.10 Refund Clawback (A12). Where a Referred User obtains a refund per Main T&C §7.2 or mandatory consumer-protection law, the corresponding Commission is clawed back from the Affiliate's Pending or Available balance.

4.11 Upgrade / Downgrade Tracking (A14). When a Referred User upgrades (PRO → ULTRA) or downgrades, Commission recalculates against the new actual paid amount from the next Billing Cycle forward.

4.12 No Payout Cap (A13). No cap on total Commission earnings; Affiliates may earn unlimited recurring commission subject to compliance with this Terms.

5. DISCOUNT STACKING — A15 / A16 GUARDRAILS

5.1 A15 — No Beta-Pricing Stacking. Beta-priced subscriptions (PRO_BETA_M 345 ฿/mo) cannot stack with the Affiliate referral discount (25% × 3 months). A User who signs up via Affiliate link during the Beta Window is offered:

(a) Option 1: Standard PRO at full retail (690 ฿/mo) with the 25% Affiliate discount → 517.50 ฿/mo × 3 months; (b) Option 2: Beta PRO (345 ฿/mo) without the Affiliate discount.

The Beta + Affiliate combination is technically and legally blocked. The Affiliate still receives Commission on the Beta cycle's standard revenue.

5.2 A16 — Discount Cap 50%. When multiple discounts are simultaneously active (e.g., Affiliate referral 25% × 3 months + FGF Inviter discount where applicable per program rules), the effective discount equals max(active discounts) capped at 50% — not the additive sum.

5.3 Per-Active-Cycle Implementation. Where overlap occurs, the Affiliate discount is replaced by the higher-tier discount for the overlap period in the Stripe-Coupon-swap pattern per FGF-Affiliate-Business-Rules-V3 §13.8 (or the Omise / Polar equivalent). Commission continues on actual paid revenue per A4.

6. ANTI-FRAUD MECHANISMS (AB1–AB7)

Per FGF-Affiliate-Business-Rules-V3 §7 + Pammo-Program-Rules-V1 §8:

Cohort Fraud Monitor. Weekly 5% threshold over 20-active-cohort floor per Pammo-Program-Rules-V1 §8.2. Below-floor cohorts receive manual review within 14 days.

Consequences of Threshold Breach. (a) Auto-pause of Elite-tier promotions; (b) Hold of Commission in extended escrow; (c) Suspension pending investigation; (d) Where confirmed fraud → forfeiture per Main T&C §10.4 and AUP §7.

14-Day Challenge + 30-Day Mediation Window. Per Pammo-Program-Rules-V1 §8.4.

7. DOUBLE-DIP / ATTRIBUTION

7.1 FGF + Affiliate Coexist. Per FGF-Affiliate-Business-Rules-V3 §5, a User may simultaneously be a regular Affiliate and an FGF Inviter on different referrals (different Invitees / Referred Users). This is permitted.

7.2 1 Sign-up = 1 Attribution (D3 / D4). Where a single Referred User clicks both an FGF link and an Affiliate link, first-click wins (per A7). The same signup cannot trigger both an FGF reward and an Affiliate commission to the same Inviter / Affiliate.

7.3 Creator vs Affiliate (CR Override). Where a Pammo User who is already a regular Affiliate is approved to the Creator Program, the Creator override rate replaces the Affiliate Tier from the date of Creator approval forward per Pammo-Creator-Program-Terms-V1 §1.2.

7.4 No Self-Referral. Per AUP §4.3(a) — a User cannot earn FGF, Affiliate, or Creator reward by referring themselves, household accounts, controlled / linked accounts, sock-puppets, etc.

8. PAYOUT MECHANICS

8.1 Hold Period. 14 calendar days post-activation.

8.2 Minimum Payout. THB 500 (or USD-equivalent FX-locked).

8.3 Frequency. Monthly on the 15th.

8.4 Methods. Bank (Thailand via Omise / Currenxie partners), Wise, or PayPal.

8.5 Tax Withholding.

(a) TH-resident Affiliates paid from AEDOWON CO., LTD: Thai WHT typically 3% on service income; Phor Ngor Dor 50 / 50 ทวิ certificate issued annually.

(b) Non-SG / non-TH-resident Affiliates: W-9 / W-8BEN / W-8BEN-E + CRS / FATCA self-certification required before first payout (per Pammo-Payment-Processor-Partners-V1 §7.3).

8.6 Cross-Route Allocation. Where an Affiliate's referrals span both routes, source-allocation per Pammo-Program-Rules-V1 §3.9 applies; WHT regime of the payee's residence governs.

9. AFFILIATE DASHBOARD

The Affiliate Dashboard provides:

• Affiliate link (pammo.co/ref/{affiliate_code}) with Copy / Share / QR
• Clicks / Sign-ups / Paid / Earnings counters
• Tier display + progress to next tier (Starter → Growth → Elite)
• Withdrawal request form (subject to §8 mechanics)
• Pending / Available / Paid breakdown
• Referral history (Date / User initials / Plan / Status / Earning)
• Marketing materials (Brand Kit download — limited license per §10.2)
• Payout method management

10. INTELLECTUAL PROPERTY AND BRAND USE

10.1 Affiliate Link License. Pammo grants Affiliates a non-exclusive, non-transferable, revocable license to use the Pammo Affiliate Link for promotion compliant with this Terms and the AUP. The license terminates immediately upon Affiliate's removal, suspension, or termination.

10.2 Brand Asset Use. Affiliates may use the Pammo Brand Kit (logos, screenshots, demo media) made available in the Dashboard, subject to:

(a) Use only as published — no derivative or modified marks; (b) Pammo trademark usage in promotional copy must not imply endorsement beyond what is true; (c) Comparison content with competitors must be factual and balanced (AUP §3.4(b), brand-rule B4 from Pammo-Creator-Program-Terms-V1 §4.4 — applied analogously); (d) Sponsored / affiliate content must carry clear disclosure (#PammoAffiliate or #Sponsored) per Thai Consumer Protection Board rules + FTC AI Endorsement Guides + ASA UK + EU UCPD where applicable.

10.3 No Paid-Search Bidding. Affiliates may not bid on "Pammo", "พามโม่", or related trademarks in paid-search platforms without prior written consent (per AUP §4.3(d)).

10.4 No Coupon / Cashback Sites. Affiliates may not operate coupon, cashback, or rebate sites that share Commission with Referred Users without prior written consent (per AUP §4.3(e)).

11. TERMINATION AND SURVIVING OBLIGATIONS

11.1 Termination by Affiliate. Affiliates may withdraw from the Program at any time by emailing affiliate@pammo.co. Withdrawal does not affect Commission accrued prior to withdrawal, subject to refund-clawback (§4.10).

11.2 Termination by Pammo. Pammo may terminate the Affiliate's participation at any time:

(a) For convenience: 30 calendar days' prior written notice. Accrued earned Commission is paid out per §8. (b) For cause: immediately, without notice, for material breach of these Terms, the Main T&C, or the AUP — including AB-triggered fraud, AUP §4.3 referral-program abuse, chargeback abuse, or sanctions / AML / legal-risk concerns. Forfeiture of Pending / Available balance applies per Main T&C §10.4.

11.3 Surviving Obligations. Confidentiality, indemnification (Main T&C §16), payout-statement provision for accrued payable commission (where not forfeited), refund-clawback (§4.10), dispute resolution (§12), and tax-documentation retention survive termination.

12. DISPUTE RESOLUTION

12.1 Per Main T&C §18. Disputes are resolved per the route-specific governing law: Thai law + TAI arbitration for TH-Route Affiliates; Singapore law + SIAC for International-Route Affiliates. Thai consumer-court carve-out preserved (Main T&C §18.4(a)).

12.2 Escrow Challenge. Within 14 calendar days of a Commission hold, escrow extension, or forfeiture decision, an Affiliate may submit a written challenge to affiliate@pammo.co. Pammo conducts a good-faith review and observes a 30-day mediation window before final forfeiture per Pammo-Program-Rules-V1 §8.4.

13. CONTACT

• Affiliate Program: affiliate@pammo.co
• Affiliate Payouts: affiliate@pammo.co
• FGF Inquiries: support@pammo.co
• Dispute / Appeal: legal@pammo.co
• DPO (KYC / tax-form data): dpo@pammo.co

14. CHANGE LOG — V1

END OF PAMMO AFFILIATE PROGRAM TERMS — V1 (PUBLICATION-READY PENDING FINAL REVIEW) Last Updated: 2026-05-18