PAMMO — CREATOR PROGRAM TERMS

Version 1 — Publication-Ready Pending Final Review Last Updated: 2026-05-18 Effective Date: 1 July 2026 (Phase 1 — Soft Recruit)

These Creator Program Terms (the "Creator Terms") govern your participation in the Pammo Creator Program (the "Creator Program") and 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.

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

Source-of-truth program design: Pammo-Creator-Program-V1 (V1.2, 2026-04-27).

1. PROGRAM OVERVIEW

1.1 Purpose. The Creator Program recruits Real-Estate / Property / Personal-Finance content creators (5K–50K follower range) to create authentic Pammo-related content in exchange for a free Pammo Plan + override Affiliate-Tier Commission + brand-collaboration assets.

1.2 Two Tiers.

These rates override the Affiliate Program's tiered rates (Starter 15% / Growth 17% / Elite 20%) for Approved Creators from the date of Creator approval forward.

1.3 Phase Calendar (per Pammo-Program-Rules-V1 §5):

• Phase 1 — Soft Recruit: 1 July 2026 (hand-picked 5–10 Creators)
• Phase 2 — Open Apply: 1 August 2026 – 30 November 2026 (formal application, target 20–30 Creators)
• Phase 3 — Scale: 1 December 2026 onward (target 50+ Creators)

2. ELIGIBILITY AND APPLICATION

2.1 Eligibility.

2.2 Application Process. Apply via pammo.co/creator-apply. Pammo Growth team reviews applications (5 business days SLA). Elite-tier applicants may be invited to an interview led by Pammo Creative (campaign-fit assessment) at the team's discretion.

2.3 Approval. Approval is conditional on:

(a) Eligibility criteria met (§2.1); (b) Content quality and audience-fit verified by manual review; (c) Creator T&C signed (§11 below + Pammo-Creator-Program-V1 §11); (d) Identity verification (KYC) successfully completed (§11.2); (e) No active conflict of interest with a Pammo competitor (§4.7 active-member rule).

Rejected applicants may re-apply after 90 days with revised submissions.

2.4 Anti-Competitor — Active-Member Only. Creators may not promote direct Pammo competitors during the period of active membership (defined as the time between Creator approval and post-removal wind-down end — see §5.4). The list of direct competitors (e.g., Prop360, OneClick Genius, kvCORE, BoldTrail, FUB, or others as published) is maintained by Pammo Growth and shared with Creators on approval. Past competitor work (before Creator approval) does not disqualify an applicant provided it is disclosed in the application form and consistent with §4.7 of the underlying program rules.

3. CREATOR BENEFITS

3.1 Free Plan (Core Benefit).

(a) Pro Creator receives free access to the PRO Plan (value 690 ฿/mo) for the duration of active membership. Free Plan is provisioned from the next Billing Cycle following Creator approval. Beta PRO subscribers complete their current paid Beta Cycle (no refund of paid Beta cycle); Free Plan begins thereafter.

(b) Elite Creator receives free access to the ULTRA Plan (value 1,790 ฿/mo) — same provisioning rule.

(c) No Beta-Pricing Stacking (A15): Creator approval overrides Beta-pricing — Free Plan begins next cycle; current Beta cycle completes without refund. Creator approval cannot be used to obtain a refund of the paid Beta cycle.

(d) Account-bound. Free Plan is tied to the named Creator's personal Pammo account. Sharing credentials with other persons is prohibited (Main T&C §3.5; AUP §4.2(c)).

3.2 Override Commission Rate. Per §1.2 — Pro Creator 13% / Elite Creator 15% recurring × 12 months on actual paid revenue of each Referred User's subscription.

(a) Commission is paid in CASH ONLY (Bank transfer via Omise / Currenxie / Wise / PayPal — see Pammo-Payment-Processor-Partners-V1 §2). Creator Commission is NOT redeemable as Product Credit, FGF F-2 credit, or any in-Service balance. This is the CR-4 cash-payout rule (closing BH-CP-9).

(b) Commission base = actual paid revenue (the price the Referred User actually paid, after any active discount per FGF-Affiliate-Business-Rules-V3 §4 A16 50%-cap rule).

(c) The 25% × 3-month referral-discount option for Referred Users on Affiliate-link signups applies equivalently for Creator-link signups (per FGF-Affiliate-Business-Rules-V3 §3 A5).

(d) Months 1–3 commission is computed against the discounted price; Months 4–12 against the full price (consistent with the referral discount expiry).

3.3 Cookie Duration — 60 Days, First-Click (CR-3). Aligned with FGF Activation Gate window and Affiliate cookie per Pammo-Program-Rules-V1 §3.4, §4.5, and §5.6.

3.4 Tier Override Examples.

Pro Creator (13%): 5 referred users on PRO Monthly
  Months 1–3 (25% off → 517.50 ฿/mo paid):
    Commission = 5 × 517.50 × 13% = 336.4 ฿/mo
  Months 4–12 (full price → 690 ฿/mo paid):
    Commission = 5 × 690 × 13% = 448.5 ฿/mo
  Year-1 cash commission ≈ 5,046 ฿
  + Free PRO Plan value ≈ 8,280 ฿/yr
  Total Year-1 benefit ≈ 13,325 ฿

Elite Creator (15%): 15 referred users (10 PRO + 5 ULTRA)
  Months 4–12 (full price):
    PRO comm = 10 × 690 × 15% = 1,035 ฿/mo
    ULTRA comm = 5 × 1,790 × 15% = 1,342.50 ฿/mo
  Year-1 cash commission ≈ 26,000–29,000 ฿
  + Free ULTRA Plan value ≈ 21,480 ฿/yr
  Total Year-1 benefit ≈ 47,000+ ฿

3.5 Brand Asset Pack.

(a) Pro Creator — Basic Brand Kit (Pammo logo pack, screenshot pack, demo video, Thai-language ready-to-post assets). (b) Elite Creator — Full Brand Kit (Pro Brand Kit + scripts + co-branded templates + early-access feature briefs).

3.6 Early Access (Elite Only). Elite Creators receive new-feature briefings and access 2–4 weeks before public release, subject to the NDA covenant in §11.

3.7 Partner Manager.

(a) Pro Creator — Shared (LINE OA Creator group). (b) Elite Creator — Dedicated 1:1 Partner Manager + private monthly call.

3.8 Co-Marketing.

(a) Pro Creator — Mention in Pammo newsletter (where the Creator opts in). (b) Elite Creator — Featured case study + co-shoot with the Pammo team (subject to scheduling and editorial fit).

3.9 Public-Profile Branding.

(a) Pro Creator — "Pammo Creator" badge for use on the Creator's public profile. (b) Elite Creator — "Pammo Elite Creator" badge + verified status indicator.

3.10 Annual Recognition (Non-Cash — CR-8). Top 1 / Top 3 / Top 10 Elite Creators per calendar year receive non-cash recognition (per Pammo-Creator-Program-V1 §3.5 V1.2):

Ranking uses qualified referral count + content quality score (Partner-Manager scoring). The non-cash structure is intentional to prevent fake-referral pressure that would otherwise transfer from the removed Quarterly Bonus (per V1.1 Joe decision).

4. CREATOR OBLIGATIONS

4.1 Content Output (CR-5 Content Mix Minimum).

(a) Pro Creator — ≥ 4 content units per month, including ≥ 1 long-form unit.

(b) Elite Creator — ≥ 7 content units per month, including ≥ 2 long-form units.

(c) Long-form unit is defined as one of: TikTok / Reels / Shorts ≥ 30 seconds (original, with Pammo demo or mention); Long-form video (YouTube ≥ 5 minutes — review / demo / tutorial); Live workshop / webinar ≥ 30 minutes (with Pammo demo + Q&A); Long-form blog ≥ 800 Thai-language words.

(d) Content unit definitions (point system per Pammo-Creator-Program-V1 §4.1):

4.2 No Platform Weighting. Creators may execute content on the platform(s) they specialize in (Facebook, TikTok, YouTube, IG, LINE OA). No platform mandate exists; the content-mix-minimum rule (§4.1) prevents cheap cross-platform farming.

4.3 Affiliate-Link Usage.

(a) Every Creator content piece that promotes Pammo must include the Creator's affiliate link.

(b) Link format: pammo.co/c/{creator_code} (per Pammo-Creator-Program-V1 §4.3).

(c) Cookie duration: 60 days (V1.2 alignment).

(d) Self-clicks prohibited. Creators may not click their own affiliate link to generate inflated tracking (AB1 IP-matching anti-fraud).

4.4 Brand Compliance.

4.5 Conversion-Rate Hard Strike (CR-6).

(a) Pro Creator: ≥ 0.5% click-to-signup conversion rate per content piece, averaged at the Creator level per quarter.

(b) Elite Creator: ≥ 1.0% click-to-signup conversion rate per content piece, averaged at the Creator level per quarter.

(c) Two consecutive quarters under threshold → +1 strike (this is a hard strike, not a coaching trigger).

(d) The Pammo Partner Manager may schedule a consultation in Quarter 1 of under-threshold performance as a courtesy, but the hard-strike rule applies regardless of consultation outcome.

(e) No engagement minimum per post. Per V1.2 Joe decision, KPI is conversion only.

4.6 Reporting.

(a) Submit content URLs via the Creator Dashboard or the LINE Creator group.

(b) Monthly summary auto-generated from tracking (units, referrals, conversion, earnings).

(c) Quarterly NPS survey + feedback session + conversion-rate review.

(d) Annual portfolio review + tier-renewal call (Elite; Pro receives email summary).

4.7 Anti-Competitor — Active-Member-Only Constraint. Promoting direct Pammo competitors (Prop360, OneClick Genius, kvCORE, BoldTrail, FUB, or other competitors as published by Pammo Growth) is prohibited during active membership. Past competitor work (before Creator approval) does not disqualify the applicant if disclosed in the application form. Plan to do a comparison content during membership requires prior Partner-Manager notice. Operationally, this constraint is monitored via social-listening of Creator output.

5. RENEWAL, NON-COMPLIANCE, AND POST-REMOVAL

5.1 Renewal Logic.

Content month N → Plan benefit month N+1
  ≥ min units (Pro 4 / Elite 7) + content-mix met
      → ✅ Renew same tier next month
  Elite achieves only 4–6 units (under Elite minimum)
      → ⬇️ Auto-downgrade Elite → Pro next billing cycle
  < 4 units OR content-mix unmet
      → +1 strike per §5.2
  Conversion-rate fail 2 consecutive quarters
      → +1 strike per §4.5(c)

5.2 3-Strike System.

5.3 Grace Period. One skip-month per quarter is allowed, provided the Creator notifies the Partner Manager before the 5th of the month. Skips cannot be used in consecutive months. The grace-period counter resets each quarter.

5.4 Post-Removal 3-Month Wind-Down (CR-7). Per Pammo-Creator-Program-V1 §5.5 V1.2:

5.5 Re-Apply. Removed Creators may re-apply after 90 calendar days. Manual review + history check.

5.6 Voluntary Departure. A Creator who voluntarily leaves the program is treated as Removed under §5.4 (Free Plan revoked + 3-month wind-down for Monthly refs + Yearly-ref lump-sum).

6. INTEGRATION WITH FGF / AFFILIATE PROGRAMS

6.1 Override Mapping. Per Pammo-Creator-Program-V1 §6.1 V1.2:

6.2 Commission Ledger Source Flag. Pammo's commission ledger uses a source-flag column:

• affiliate_source = 'regular' → tier 15 / 17 / 20%
• affiliate_source = 'creator_pro' → 13% fixed
• affiliate_source = 'creator_elite' → 15% fixed

Creator Commission is always cash-payout-only; Product Credit / F-2 mechanisms do not apply.

6.3 Conflict Resolution.

7. PAYOUT MECHANICS

7.1 Hold Period. 14 calendar days post-activation before Commission becomes withdrawable.

7.2 Minimum Payout. THB 500 (or USD-equivalent at FX-lock per Pammo-Pricing-Schedule-V1 §11.2).

7.3 Payout Frequency. Monthly, on the 15th of each calendar month, of accrued released balance.

7.4 Payout Methods. Bank transfer (Thailand via Omise / Currenxie partners), Wise, or PayPal — per Pammo-Payment-Processor-Partners-V1 §2.

7.5 Refund Clawback (A12). If a Referred User obtains a refund per Main T&C §7.2 (Yearly 7-day / 10% Quota window) or under mandatory consumer-protection law, the corresponding Commission is clawed back from the Creator's Pending or Available balance.

7.6 Tax Withholding.

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

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

7.7 Cross-Route Commission. Where a Creator earns Commission on Referred Users on both routes (e.g., TH-resident Creator with a mix of TH and Intl referrals), the source-allocation per Pammo-Program-Rules-V1 §3.9 applies, and the WHT regime of the payee's residence governs.

8. ANTI-FRAUD AND DISPUTES

8.1 Anti-Fraud Mechanisms (AB1–AB7). All AB rules per FGF-Affiliate-Business-Rules-V3 §7 and Pammo-Acceptable-Use-Policy-V1 §4.3 apply to Creators in addition to the Creator-specific rules in this §8.

8.2 Cohort Fraud Monitor. Pammo's weekly cohort fraud monitor (5% threshold over 20-active-cohort floor) per Pammo-Program-Rules-V1 §8.2 applies to Creators. Below-floor cohorts receive manual review within 14 days.

8.3 Consequences of Threshold Breach.

(a) Auto-pause of Elite-tier promotions for the affected Creator; (b) Hold of Commission accruals in extended escrow pending review; (c) Suspension of Creator account pending investigation; (d) Temporary revert of any cash-payout cycle to deferred review; (e) Where confirmed fraud, forfeiture per Main T&C §10.4 and AUP §7.

8.4 Escrow Challenge / Mediation Window (14 + 30 days). Creators may submit a written challenge within 14 calendar days of a hold / forfeiture notice. Pammo conducts a good-faith review and observes a 30-day mediation window before final forfeiture, except where immediate action is required by fraud, chargeback, sanctions, payment-processor, or legal-risk obligations. See Pammo-Program-Rules-V1 §8.4.

9. CREATOR DASHBOARD

The Creator Dashboard provides:

• Affiliate link generator with pammo.co/c/{creator_code}
• Click + signup + conversion tracking
• Earnings breakdown (Pending / Available / Paid)
• Tier and badge display
• Marketing materials (Brand Kit download)
• Content URL submission and monthly summary
• Annual recognition leaderboard (Elite cohort)
• Withdrawal request form (subject to §7 mechanics)

10. INTELLECTUAL PROPERTY AND PUBLISHING RIGHTS

10.1 Creator-Generated Content Ownership. Creators retain ownership of content they produce. Creators grant Pammo a non-exclusive license to reshare, repost, embed, or feature the Creator's Pammo-related content on Pammo's official channels (newsletter, official social, sale-page features), with Creator attribution where the Creator has not opted out.

10.2 Pammo IP Use. Creators receive a limited license to use the Pammo Brand Kit per §4.4 (B1–B6). The license terminates upon Removal (after the §5.4 wind-down) and Creators must cease using the Pammo Brand Kit thereafter.

10.3 Co-Marketing Output (Elite). Co-shot or co-produced material created jointly with the Pammo Creative team is co-owned by Pammo and the Creator on a non-exclusive basis. Each party may use the material for their own marketing without further consent.

10.4 Reservation. Pammo retains all rights in underlying AI models, Service infrastructure, and Pammo Brand Kit per Main T&C §9.1.

11. CREATOR T&C ANCILLARY OBLIGATIONS — NDA, ID VERIFY, REVENUE-SHARE

11.1 Coverage (per Pammo-Creator-Program-V1 §11.1):

(1) Acceptance — These Creator Terms are separate from the standard User T&C; by signing, you agree to the additional Creator obligations.

(2) NDA (Non-Disclosure). You may not leak, disclose, or republish any Pammo non-public feature, roadmap, internal data, or pre-launch material — particularly relevant for Elite Creators receiving Early-Access briefs.

(3) Revenue-Share Agreement. Commission rate (Pro 13% / Elite 15%), hold period, clawback rule, cash-payout-only rule.

(4) Content Obligation. Minimum units / mo + content-mix minimum (§4.1), brand compliance (B1–B6), reporting requirement (§4.6).

(5) Free Plan Conditions. Provisioned according to Billing Cycle, revoked on strike-out (§5).

(6) Anti-Competitor (active-member-only). Per §4.7.

(7) Termination and Re-Apply. 3-strike removal, 3-month wind-down (§5.4), 90-day cool-down before re-apply.

(8) Tax Responsibility. Commission = Creator's income; Creator is responsible for tax declaration and payment in their jurisdiction; Pammo issues WHT certificate where applicable.

(9) Data Privacy & PDPA. Creator's identity data + KYC data are processed per Pammo-Privacy-Notice-V1.

(10) Dispute Resolution. Per Main T&C §18 (TH law + TAI for TH-route Creators; SG law + SIAC for International-route Creators; consumer carve-outs preserved).

11.2 ID Verification. At Creator T&C signing, ID verification is mandatory:

(a) Upload Thai National ID (TH residents) or Passport (foreign residents); (b) Selfie + ID liveness check; (c) Name-match against application form; (d) Vendor: manual review by Pammo personnel at launch (per Pammo-Sub-Processor-List-V1 §7); third-party KYC vendor TBD with 30-day prior notice.

Failure to verify → application rejected; re-apply allowed after 90 days.

11.3 Storage and Retention. KYC images are stored in Supabase encrypted storage under the Pammo entity controllership; retained 24 months after Creator termination (longer where tax / fraud / sanctions / legal hold requires).

12. CONTACT

• Creator Program: creators@pammo.co
• Creator Payouts: creators@pammo.co
• Application Status: creators@pammo.co
• Dispute / Appeal: legal@pammo.co
• DPO (KYC data): dpo@pammo.co

13. CHANGE LOG — V1

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