PAMMO — PROGRAM RULES

Version 1 — Publication-Ready Pending Final Review Last Updated: 2026-05-18 Effective Date: 15 June 2026 (Beta start)

This Program Rules document is incorporated by reference into the Pammo Terms and Conditions of Service (Main) V1 (Pammo-Terms-Conditions-Main-V1). It sets out the current Promotional Phases, the Beta-Lock rate carry-forward, the Early Access ULTRA intro, the FGF (Friend-Get-Friend) program parameters, the Affiliate program calendar, the Creator Program (Pro Creator / Elite Creator) launch calendar, free-tier conversion mechanics, anti-fraud monitoring thresholds, and discount-stacking guardrails.

This is an operational document. Routine updates apply prospectively per Main T&C §19, subject to already-issued rate-lock honoring under Main T&C §6.4 and the material-adverse-change cancellation right under Main T&C §19.4.

Rule-label convention. Labels such as F1–F7, A1–A16, AB1–AB7, CR-1..CR-N are public shorthand labels for guardrails used consistently across this document, Pammo-Affiliate-Program-Terms-V1, Pammo-Creator-Program-Terms-V1, and the Main T&C. They are explanatory labels only.

1. PROMOTIONAL PHASES — CURRENT CALENDAR

1.1 Phase Calendar.

1.2 Phase-Transition Treatment of Existing Subscribers.

(a) Beta PRO subscribers (signed up during the Beta Window at 345 ฿/mo) carry into Early Access and Grand Launch at the 345 ฿/mo rate-lock until expiry of their individual 12-month Beta-Lock window (§2). After Beta-Lock expiry, they step up to PRO GL Monthly at 690 ฿/mo on renewal, unless they convert to a Yearly SKU before expiry.

(b) Early Access ULTRA subscribers (signed up at 895 ฿/mo intro) carry into Grand Launch at the 895 ฿/mo rate until expiry of the ULTRA-EA rate-lock (§2.3). Thereafter they step up to ULTRA GL Monthly at 1,790 ฿/mo on renewal, unless they convert to ULTRA Yearly before expiry.

(c) Free-tier Users carry into all subsequent phases with the same 250 cr/mo allowance and 10-listing hard cap.

(d) No retroactive re-pricing. Per Main T&C §6.7, Pammo does not retroactively re-bill consumed credits or completed Billing Cycles.

1.3 Future Phases. Pammo may publish additional Promotional Phases (e.g., post-GL anniversary promotions, regional pushes, Thai-New-Year sales, BMA / RE-broker partnerships). Each will be added to this §1 with its own window and eligible SKUs.

2. RATE-LOCKS — BETA PRO AND EARLY ACCESS ULTRA

2.1 Beta PRO Rate-Lock (PRO_BETA_LOCK_M). A Beta PRO subscriber (signed up at 345 ฿/mo during the Beta Window) retains the 345 ฿/mo rate for 12 months from individual signup date, regardless of phase transitions. The lock is per-user, not a fixed calendar window. After expiry, the User auto-steps to PRO_GL_M at 690 ฿/mo on the next Billing Cycle, with 14-day pre-renewal notification per Main T&C §4.4(c).

2.2 Eligibility for Beta PRO. Open during the Beta Window only. Cap: none at launch (Pammo expects a constrained Beta cohort governed by Beta feedback obligations and waitlist sequencing managed by Product team — operational, not legally capped). Beta PRO carries no Founders'-style commission attribution break — Beta PRO subscriptions are commissionable to Affiliates / Creators per §5 and §6 below, except that Beta-pricing stacking with Affiliate referral discount is blocked under A15 (see §7.2).

2.3 Early Access ULTRA Rate-Lock (ULTRA_EA_M / ULTRA_EA_Y). ULTRA EA Monthly subscribers (signed up at 895 ฿/mo during Early Access Window) retain the 895 ฿/mo rate for 12 months from individual signup date. After expiry, the User auto-steps to ULTRA_GL_M at 1,790 ฿/mo on the next Billing Cycle with 14-day pre-renewal notification per Main T&C §4.4(c).

2.4 No double rate-lock. A subscriber may hold only one Beta-Lock or one EA-intro lock at a time. Switching SKU (e.g., PRO → ULTRA) ends the prior rate-lock and applies the destination SKU's standard rate or applicable intro rate at the time of switch.

2.5 No transfer. Rate-locks are tied to the User account and are not transferable.

3. FGF (FRIEND-GET-FRIEND) PROGRAM PARAMETERS

3.1 Program Overview. FGF is open to every Pammo User including Free-tier Users from the day of account creation. The Inviter receives a unique referral link (the FGF Link); the Invitee receives a sign-up bonus, and the Inviter receives a phase-specific Product Credit reward subject to the Activation Gate (§3.4). Per D-07 V1 Lock, FGF rewards are Product Credit only (credit / Discovery credit bonus), not THB voucher defer.

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

3.3 Mutual Invite Block (F5). If A invites B and B subsequently invites A, the second-direction reward is auto-blocked. Both inviters keep their direct first-direction credit if it has already vested.

3.4 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 anti-fraud checks per §8); (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 (card, PromptPay, TrueMoney, mobile banking, or Polar checkout payment) per Main T&C §4.3 (F7 — prevent fake sign-ups).

3.5 Reward Mechanism — Product Credit (D-07 canonical). Per D-07 V1 Lock and the Pammo-Compliance-Hermes-Run-Plan §5.4, FGF rewards are issued as Product Credit (credit / Discovery credit bonus) added to the Inviter's monthly allowance and to the Invitee's signup allowance. The exact reward amounts per phase are governed by the rules below; precise values draw from the Beta-Rules / Early-Access-Rules / Grand-Launch-Rules anchored by FGF-Affiliate-Blackhole-Research-V3 §6.1.

(a) Inviter reward — phase-specific Product Credit bonus per successful invite, vesting upon Activation Gate. (b) Invitee reward — phase-specific Product Credit bonus credited on sign-up + Payment-Method link. (c) No cash, no THB voucher, no rollover into the next Billing Cycle except via the Product Credit bonus pool mechanics maintained by Pammo per the source-of-truth rules.

3.6 No Cash, Credits Only. FGF rewards are not redeemable for cash, not transferable, and not exchangeable except as Product Credit within the Service. (Aligned with Pammo-Creator-Program-V1 §6.2 "Cash payout only" applies to Creator Commission — not FGF.) FGF Product Credits do not expire while the recipient holds an active account.

3.7 No Inviter Reward on Yearly Lock Conversion (CF3-style attribution break). Where an Invitee subsequently converts from Monthly to a Yearly SKU during the same Billing Cycle window in which their original Activation Gate vested, no additional FGF Inviter reward is paid on the Yearly conversion. The Inviter retains the credit earned on the original Activation.

3.8 Updates Apply Prospectively. Per Main T&C §19. Changes to caps, Activation Gate, or reward amounts apply to future referrals only. Already-credited rewards and already-pending referrals (Invitee signed up before change) are honored under the rules in effect at Invitee signup.

3.9 Pammo-Operator Recipient. The "operator" funding the FGF Product Credit reward is the contracting entity associated with the Inviter's account at the time the Activation Gate vests:

• Inviter on TH Route → reward funded by AEDOWON CO., LTD
• Inviter on International Route → reward funded by AEDOWON SINGAPORE PTE. LTD.

This is an internal accounting allocation; the Inviter experiences a single unified Product Credit reward in-app.

4. AFFILIATE PROGRAM — CALENDAR AND PARAMETERS

4.1 Application Opens. 1 July 2026 (start of Early Access Window). Manual review by Pammo Growth team; default SLA 5 business days; auto-approval available for ULTRA subscribers with verified listing portfolio ≥ 10 listings per FGF-Affiliate-Business-Rules-V3 §8.

4.2 Soft Launch Cohort (Early Access). Target 50 approved Affiliates during 1 July – 31 August 2026; manual payout via Bank / Wise / PayPal (per Sub-Processor List §2). Basic Affiliate Dashboard provisioned.

4.3 Grand Launch Full Provisioning. 1 September 2026 — full self-serve Affiliate Dashboard, automated tracking, Tier promotion logic, Stripe coupon swap for the FGF↔Affiliate cap interaction (A16), and automated payout pipelines.

4.4 Commission Tiers (A3). Tiered Recurring Commission paid for 12 months on the actual paid revenue of each Referred User's subscription. Tier is determined by the Affiliate's lifetime Referred-User count and is re-evaluated on each new successful referral.

Note: Creator Program tiers (Pro Creator 13%, Elite Creator 15%, governed by Pammo-Creator-Program-Terms-V1) are override tiers that replace these Affiliate tiers for Approved Creators; see Pammo-Creator-Program-V1 §6.

4.5 Cookie Duration (A6). 60 calendar days, first-click wins (A7). A Referred User who clicks an Affiliate link and signs up within 60 days is attributed to that Affiliate; subsequent clicks during the same window do not re-attribute.

4.6 Activation Gate (A3-equivalent). As §3.4 (a)–(d), substituting "Affiliate" for "Inviter".

4.7 Hold Period (A11). Commission accrues to Pending for 14 calendar days post-activation before becoming withdrawable.

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

4.9 Payout Frequency (A9). Monthly, on the 15th of each calendar month.

4.10 Payment Methods (A10). Bank transfer (Thailand) via Omise / Currenxie partners, Wise, or PayPal — initiated by the Pammo SG entity (AEDOWON SINGAPORE PTE. LTD.) per Pammo-Payment-Processor-Partners-V1 §2.

4.11 Refund Clawback (A12). Where the Referred User obtains a refund (within the 7-day Yearly window per Main T&C §7.2, or otherwise as allowed by mandatory law), the corresponding Commission is clawed back from the Affiliate's Pending or Available balance.

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

4.13 Beta-Pricing Stacking — Blocked (A15). Beta-priced subscriptions (PRO_BETA_M 345 ฿/mo) are not eligible for the Affiliate referral discount (25% × 3 months under FGF-Affiliate-Business-Rules-V3 §3 A5). The Affiliate may still receive Commission on a Referred User who is on Beta-pricing, but the Referred User cannot stack the Affiliate referral discount on top of Beta pricing. See Pammo-Affiliate-Program-Terms-V1 for full anti-stacking detail.

4.14 Discount Cap 50% (A16). Where multiple discounts are simultaneously active (e.g., Affiliate referral 25% × 3 months + FGF Inviter discount from another route), the effective discount equals max(active discounts) capped at 50% — not the sum. Implementation detail in FGF-Affiliate-Business-Rules-V3 §4.

5. CREATOR PROGRAM — CALENDAR AND PARAMETERS

5.1 Application Opens. 1 July 2026 for hand-picked Phase 1 Soft Recruit cohort (5–10 creators), inviting Real-Estate / Property / Personal Finance influencers in the 5K–50K follower range per Pammo-Creator-Program-V1 §1.

5.2 Phase 2 — Open Apply. 1 August 2026 – 30 November 2026. Formal application pipeline, Creator T&C signing (per Pammo-Creator-Program-Terms-V1 §11), ID verification (KYC), target cohort 20–30 creators.

5.3 Phase 3 — Scale. 1 December 2026 onward. Target 50+ creators with self-serve apply, automated content-output tracking, conversion-rate hard-strike enforcement, and the post-removal wind-down logic of Pammo-Creator-Program-V1 §5.5.

5.4 Tier Override (CR-1). Approved Creators receive fixed commission rates that override the Affiliate Program's tiered rates (§4.4):

5.5 Free-Plan Benefit (CR-2). Approved Pro Creators receive Free PRO Plan (690 ฿/mo equivalent value); approved Elite Creators receive Free ULTRA Plan (1,790 ฿/mo equivalent value). Free-Plan is provisioned from the next Billing Cycle following approval; Beta-Pricing subscribers complete their current Billing Cycle before Free-Plan provisioning begins (no refund of paid Beta cycle).

5.6 Cookie Duration (CR-3). 60 calendar days, first-click wins (aligned with Affiliate A6/A7 — see Pammo-Creator-Program-V1 §3.2 V1.2 alignment).

5.7 Cash Payout Only (CR-4). Creator Commission is CASH ONLY (Bank / Wise / PayPal). Creator Commission is NOT redeemable as Product Credit, FGF F-2 credit, or in-Service balance. See Pammo-Creator-Program-V1 §6.2.

5.8 Content Mix Minimum (CR-5). Pro Creators must include ≥ 1 long-form unit in their 4 monthly units; Elite Creators must include ≥ 2 long-form units in their 7 monthly units. Long-form = TikTok-Reels-Shorts (≥ 30 sec), Long-form video (YouTube ≥ 5 min), Live workshop / webinar (≥ 30 min), or Long-form blog (≥ 800 Thai-language words).

5.9 Conversion Rate Hard Strike (CR-6). Pro Creator must maintain ≥ 0.5% click-to-signup conversion; Elite Creator must maintain ≥ 1.0%. Two consecutive quarters under the threshold ⇒ +1 strike under the 3-strike system in Pammo-Creator-Program-V1 §5.2.

5.10 3-Strike Removal + 3-Month Wind-Down (CR-7). Three strikes ⇒ Removal. Post-removal: Free Plan revoked immediately on next Billing Cycle; Affiliate link continues to function for 3 months with Commission paid on active Monthly referrals during that window; Yearly referrals are paid lump-sum after the Yearly Refund Period (7 days); after the 3-month wind-down, the Affiliate link is disabled and no further Commission accrues. See Pammo-Creator-Program-V1 §5.5.

5.11 Annual Recognition (non-cash, CR-8). Top 1 / Top 3 / Top 10 Elite Creators per calendar year receive non-cash recognition: trip + Featured campaign + Pammo Hall feature (Top 1); Featured Story + co-shoot (Top 3); limited "Pammo Elite Verified" badge (Top 10 — capped at 10 per year for prestige scarcity). Non-cash structure is intentional to prevent fake-referral pressure per Pammo-Creator-Program-V1 §3.5 V1.2 elaboration.

5.12 No Beta-Pricing Stacking (CR-9). As A15 — Beta PRO_BETA_M subscriptions cannot stack with the Creator referral discount. Creator approval upgrades the User from Beta to Free Plan from the next Billing Cycle (no refund of current Beta cycle).

5.13 No Cookie Cannibalization (CR-10). Since Creator cookie = Affiliate cookie = FGF activation window = 60 days (first-click), Creator broadcasts do not cannibalize FGF organic referrals or vice versa. Last-touch is not used.

6. FREE-TIER CONVERSION MECHANICS

6.1 Free Allowance. 250 credits/mo + 20 Discovery credits/mo + 10 listings hard-cap. Reset 00:00 ICT on the first of each calendar month. See Pammo-Pricing-Schedule-V1 §3 + §7.

6.2 Conversion Drip and Triggers.

(a) 80% monthly credit consumed: soft modal one-time "Credit running low — Upgrade to PRO" + days-remaining countdown to reset. CTA presents PRO Beta (345 ฿/mo during Beta) or PRO GL (690 ฿/mo from Early Access onward) based on phase calendar. (b) 100% monthly credit reached: generation hard-locks for general credit features until next monthly reset or upgrade or Extra Usage opt-in (see Pricing Schedule §5). Modal: "Upgrade / wait until reset (D-day) / enable Extra Usage / buy Prepaid Credits". (c) 10 listings reached (Free hard-cap): new-listing creation blocks; CTA to upgrade. (d) Email + LINE OA drip: Day 3 (welcome + first listing tutorial), Day 7 (educational use case), Day 14 (testimonial / case study), Day 21 (limited offer — Product Credit bonus if upgrade within 7 days). (e) Behavioral triggers: Users who create ≥ 5 listings or use Discovery ≥ 10 times receive a priority offer with Product Credit bonus on upgrade.

6.3 Anti-Fraud Carry. IP / device / payment-method tracking on free signups; concurrent multi-account creation is flagged per AB5 (§8). See also Pammo-Acceptable-Use-Policy-V1 §4.2(a) on multi-account restriction.

7. DISCOUNT STACKING — GUARDRAILS

7.1 Stacking Principle. Pammo applies effective_discount = max(active discounts) capped at 50% rather than additive sum. This rule is canonical and consistent across the Main T&C §4–§6, this Program Rules document, Pammo-Affiliate-Program-Terms-V1, Pammo-Creator-Program-Terms-V1, and FGF-Affiliate-Business-Rules-V3 §4 (A16).

7.2 A15 — Beta + Affiliate Block. Beta-pricing SKU (PRO_BETA_M 345 ฿/mo) cannot stack with the Affiliate referral discount (25% × 3 months). The Beta-pricing User who clicks an Affiliate link is allowed to sign up at the Beta rate — without the additional 25% discount — and the Affiliate retains Commission on the standard Beta-cycle revenue.

7.3 Yearly Plan + Active Discounts. Where a User holds an active discount and elects a Yearly SKU, the discount is not carried into the Yearly billing — Yearly billing applies the 20% annual discount alone, computed at the published Yearly rate (per Main T&C §6 + Pricing Schedule §3). The active short-term discount lapses on Yearly conversion.

7.4 Phase Transition — Discount Honoring. Active discounts at the time of phase transition (Beta → EA → GL) are honored to their remaining duration. New referrals signed up after phase transition use the rules of the active phase at the time of signup.

7.5 No Self-Referral. A User cannot earn FGF, Affiliate, or Creator reward by referring themselves, a household account, a controlled / linked email, or a sock-puppet account (see §8 AB1–AB7).

8. ANTI-FRAUD MONITORING

8.1 Anti-Fraud Mechanisms (AB1–AB7). As defined in FGF-Affiliate-Business-Rules-V3 §7 and Pammo-Acceptable-Use-Policy-V1 §4.2:

8.2 Cohort Fraud Monitor (FGF / Affiliate). During the first 3 months of Grand Launch (1 September 2026 – 30 November 2026) and on an ongoing basis thereafter, Pammo runs a weekly cohort fraud-rate monitor.

(a) Threshold: 5% (cohort-level fraud-flagged-signup rate). (b) Minimum cohort floor: 20 active Referred Users. The 5% threshold applies only where the cohort has at least 20 active Referred Users. (c) Below floor: manual review within 14 calendar days rather than auto-triggering on a small-N percentage. Pammo provides a reason code where lawful and operationally safe.

8.3 Consequences of Threshold Breach. Per Pammo-Affiliate-Program-Terms-V1 / Pammo-Creator-Program-Terms-V1:

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

8.4 Escrow Challenge / Mediation Window. Affiliates / Creators may submit a written challenge within 14 calendar days of a hold / escrow extension / 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.

8.5 Tuning. Threshold and cohort floor in §8.2 may be tuned prospectively. Tuning applies to future cohort assessments only — Commission already paid out is not retroactively re-evaluated solely on a threshold change.

9. CREATOR / AFFILIATE / FGF — ATTRIBUTION CONFLICTS

9.1 First-Click Wins. Across FGF, Affiliate, and Creator programs, the first link clicked within the 60-day attribution window is the attributed source. Subsequent clicks during the window do not re-attribute.

9.2 Creator vs Affiliate (CR Override). Where a Pammo User who is already a regular Affiliate is approved to the Creator Program (Pro or Elite), the Creator rate (13% / 15%) overrides the Affiliate Tier (15% / 17% / 20%) from the date of Creator approval forward. Pre-approval Commission accrued at Affiliate tier is not retroactively re-rated.

9.3 Creator vs FGF. A Creator's audience signing up via the Creator's affiliate link receives Creator-route attribution; the Inviter side of FGF does not also receive an FGF reward for the same signup (1 sign-up = 1 attribution, per FGF-Affiliate-Business-Rules-V3 §5 D3–D5).

9.4 No Beta-Pricing Affiliate Discount Stacking. Per §7.2, Beta-priced subscriptions cannot receive an Affiliate referral discount; the Affiliate may still earn Commission on the standard Beta revenue.

10. KOS / KYC AND CREATOR IDENTITY VERIFICATION

10.1 Creator ID Verification. Applicants to the Creator Program (Pro or Elite) must complete identity verification at the time of T&C signing per Pammo-Creator-Program-V1 §11.2:

(a) Thai National ID card (TH residents) or Passport (foreign residents) image upload; (b) Selfie + ID liveness check; (c) Name-match against application form.

10.2 Verification Vendor. At launch, manual review by Pammo personnel (acting as authorized agents of AEDOWON SINGAPORE PTE. LTD. / AEDOWON CO., LTD) handles verification. Submitted ID images are stored in the Pammo-managed Supabase file storage under the controllership of the Pammo entity associated with the Creator's residence. Where a third-party KYC vendor is later engaged, the change is published in Pammo-Sub-Processor-List-V1 §7 with at least 30 days' prior notice and right of objection.

10.3 Retention. Verification images and records are retained 24 months after Creator termination, longer where required by tax, fraud, sanctions, or legal hold. See Pammo-Privacy-Notice-V1 §6.

10.4 Failure to Verify. Application is rejected; the applicant may re-apply 90 days later.

11. CONTRACT-LEVEL OPERATIONAL PARAMETERS

11.1 Schedule A — Data Processing Particulars. Reference Pammo-Data-Processing-Addendum-V1 §6 + Annex II for the actual Schedule A drafted per Main T&C §12.2A.

11.2 Withholding Tax.

• TH Route: Withholding-tax certificate (Phor Ngor Dor 50 / 50 ทวิ) issued annually to TH-resident Affiliates / Creators by AEDOWON CO., LTD. Default 3% WHT on service income per Thai Revenue Code.
• International Route: AEDOWON SINGAPORE PTE. LTD. collects W-9 / W-8BEN / W-8BEN-E and applicable CRS / FATCA self-certification before payout per Pammo-Payment-Processor-Partners-V1 §7.3.

11.3 FX Lock. USD ↔ THB conversion for International-route payouts denominated in THB uses Bank of Thailand mid-rate on the last business day of the prior calendar month, per Pammo-Pricing-Schedule-V1 §11.2.

12. CHANGE LOG — V1

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