Affiliate Terms of Use
Last Updated: February 27th, 2026
These Terms of Use govern your participation in the OneMAI Affiliate Program. By registering as an Affiliate, you confirm that you have read, understood, and agreed to these Terms, together with all applicable OneMAI policies, EU regulations, and partner financial institution requirements.
1. Definitions
- OneMAI refers to OneMAI and its operating entities within the European Union.
- Affiliate refers to any individual or organisation approved to promote OneMAI.
- End User refers to any person who registers on the OneMAI platform.
- Qualified User has the meaning defined in Section 6.
- EMI Partner refers to licensed Electronic Money Institutions or Payment Institutions.
- Platform refers to OneMAI's web, mobile, and affiliate systems.
2. Regulatory Position
OneMAI is not a bank, lender, or financial institution and does not hold or safeguard customer funds.
- Regulated financial services are provided by licensed EMI and PI partners.
- Affiliates must not present OneMAI as a bank, lender, or financial institution.
- Affiliates must not provide financial or investment advice.
- Affiliates must not guarantee returns or outcomes.
3. Eligibility
To participate you must:
- Be at least 18 years old.
- Have legal capacity to enter into a binding agreement.
- Provide accurate identification and contact information.
- Maintain a valid bank account for commission payouts.
- Not be subject to sanctions or previous OneMAI bans.
4. Affiliate Responsibilities
- Promote OneMAI honestly, transparently, and responsibly.
- Accurately explain how the platform works.
- Avoid exaggeration, misrepresentation, and financial promises.
- Refer users who genuinely intend to participate.
- Respect consumer protection and advertising laws.
- Follow OneMAI brand and compliance guidelines.
5. End-User Protection
- Do not pressure or coerce users.
- Do not exploit vulnerable individuals.
- Do not target minors.
- Do not mislead users about risks, fees, or timelines.
- Do not describe participation as a loan, investment, or savings account.
6. Qualified User
A Qualified User must:
- Register through your affiliate link or QR code.
- Successfully complete KYC verification.
- Join a savings group.
- Make a first verified contribution.
- Remain active beyond any applicable validation period.
7. Commissions
Commission structures are defined by OneMAI and displayed in the Affiliate Dashboard. Commissions are based on actual platform usage rather than sign-ups alone. OneMAI may adjust rates and may withhold or reverse commissions linked to fraud, abuse, or regulatory breaches.
8. Payouts
Commissions are paid monthly following verification. Minimum payout thresholds may apply, and Affiliates may be required to complete compliance or tax-related checks before receiving payment.
9. Prohibited Conduct
- Create fake, duplicate, or self-referral accounts.
- Misrepresent OneMAI or its regulatory status.
- Promise profits or guaranteed rewards.
- Use spam, bots, or deceptive advertising.
- Collect user data outside approved processes.
- Claim to be a OneMAI employee, agent, or advisor.
10. Brand & Intellectual Property
Affiliates may only use approved OneMAI marketing materials. All intellectual property remains the sole property of OneMAI, and branding permissions may be revoked at any time.
11. Data Protection
Affiliates must comply with GDPR and applicable data protection laws, avoid collecting unnecessary personal data, and never store or share user data without proper consent and authorisation.
12. Risk Monitoring
Affiliate activity may be monitored through referral analytics, participation quality indicators, behavioural trust signals, and fraud detection tools to protect platform integrity and ensure fair incentive allocation.
13. Termination
OneMAI may suspend or terminate Affiliate access where Terms are violated, fraud is detected, regulatory concerns arise, or Affiliate conduct creates legal or reputational risk.
14. Limitation of Liability
The Affiliate Program is provided 'as is'. OneMAI is not liable for loss of expected commissions, user inactivity, partner decisions, regulatory changes, or Affiliate marketing expenses.
15. Confidentiality
Affiliates must keep confidential information private and may use such information only for participation in the Program.
16. Changes to Terms
OneMAI may update these Terms to reflect regulatory changes, partner requirements, and platform updates. Continued participation constitutes acceptance of updated Terms.
17. Governing Law
These Terms are governed by the laws of the European Union and the applicable national laws of OneMAI's registered operating entity.
18. Contact
For questions regarding the Affiliate Program, contact hello@joinonemai.com.
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