Terms of Service

1Introduction

Welcome to Affly. These Terms of Service ("Terms") govern your access to and use of the Affly platform, website, and related services (collectively, the "Platform") operated by AFFLY LTD, a company registered in Scotland under company number SC885179, with its registered office at 8 Poplar Street, Mayfield, Dalkeith, Scotland, EH22 5LW ("Affly", "we", "us", or "our").

Affly operates a three-sided verified lead marketplace connecting performance marketers ("Affiliates"), businesses seeking qualified enquiries ("Businesses"), and the end consumers whose details form those enquiries ("Consumers"). By accessing or using the Platform in any capacity, you agree to be bound by these Terms in full.

Please read these Terms carefully before registering or using the Platform. If you do not agree to any part of these Terms, you must not use the Platform. If you are registering on behalf of a company or other legal entity, you represent that you have authority to bind that entity to these Terms.

These Terms should be read alongside our Privacy Policy and Cookie Policy, which are incorporated by reference. In the event of any conflict between these Terms and any other document, these Terms shall prevail unless expressly stated otherwise.

We may update these Terms from time to time. We will notify registered users of material changes by email or via an in-platform notice. Continued use of the Platform after changes take effect constitutes acceptance of the revised Terms. The date at the top of this page shows when the Terms were last updated.

If you have questions about these Terms, contact us at [email protected].

2Definitions

In these Terms, the following words and expressions have the meanings set out below unless the context requires otherwise:

Platform: The Affly website (affly.co.uk), web application (app.affly.co.uk), APIs, dashboard, and any related services or tools provided by Affly.
User: Any individual or entity that accesses or uses the Platform in any capacity, including Affiliates, Businesses, and Consumers.
Business: A company or individual trader who registers on the Platform to purchase verified leads from Affiliates for commercial purposes.
Affiliate: An individual or entity registered on the Platform who drives consumer traffic to lead capture forms and earns revenue based on approved leads generated.
Lead: A consumer enquiry (comprising the consumer's contact and intent data) submitted through an Affiliate's tracked link and associated campaign form.
Consumer: A member of the public who submits their details via an Affiliate's lead form in connection with a specific service or product enquiry.
Credits: The prepaid balance held in a Business's Affly wallet, loaded via Whop and used to pay for Approved Leads. Credits are not legal tender and are non-transferable.
CPL (Cost Per Lead): The price per Approved Lead, set by the Business when creating a campaign. Affly retains 15% of CPL as its platform fee; the remaining 85% constitutes the Affiliate's gross earnings.
Verification Score: A numerical score (0–9) calculated by Affly's automated system for each submitted lead, based on data quality and verification signals. A minimum score of 6 is required for a lead to be classified as Approved.
Approved Lead: A lead that has achieved a Verification Score of 6 or above and is therefore eligible to trigger a charge against the Business's credit wallet and a corresponding credit to the Affiliate's earnings balance.
Payout: The transfer of an Affiliate's available earnings balance to their designated bank account or payout method, subject to these Terms.
Hold Period: The mandatory 14-calendar-day period following lead approval during which Affiliate earnings attributable to that lead are held and not available for withdrawal, to allow for fraud review and Business disputes.
KYC: Know Your Customer - the identity verification process required of Affiliates before their first Payout, and of Businesses as may be required by applicable law or Affly's policies.
Niche: A lead category available on the Platform. Current niches include: roofing, boiler/heating, dental, and personal injury legal. Affly may add or remove niches at any time.

3Eligibility & Registration

3.1 Age and Legal Capacity

You must be at least 18 years of age to register for and use the Platform in any capacity. By registering, you confirm that you are at least 18 years old and have full legal capacity to enter into a binding contract. We do not knowingly collect data from or permit accounts for persons under 18.

3.2 Geographic Restrictions

The Platform is operated from Scotland and is primarily intended for use within the United Kingdom. Affiliate and Business accounts must be operated by individuals or entities resident or incorporated in the UK unless we expressly agree otherwise in writing. Lead forms are designed to capture UK-based consumers only. Submitting consumer leads from outside the UK without express written permission is a breach of these Terms.

3.3 Account Registration

To access the full features of the Platform, you must create an account. When registering, you agree to:

Provide accurate, current, and complete information as prompted by the registration form;
Maintain and promptly update your account information to keep it accurate and complete;
Keep your login credentials confidential and not share them with any third party;
Notify us immediately at [email protected] if you become aware of any unauthorised access to or use of your account;
Be solely responsible for all activity that occurs under your account, whether or not authorised by you.

3.4 Business Registration

Businesses must register using genuine company or sole trader details. Where you register as a business entity, you represent and warrant that: (a) the entity is duly formed and validly existing under applicable law; (b) you are authorised to bind the entity to these Terms; and (c) all billing information provided is accurate and relates to a payment method you are authorised to use.

3.5 One Account Per Person / Entity

Each person or legal entity may hold only one active account of each type (i.e., one Affiliate account and/or one Business account). The creation of multiple accounts to circumvent restrictions, bans, or fraud controls is strictly prohibited and may result in permanent termination of all associated accounts and forfeiture of any pending balances.

3.6 Right to Refuse

Affly reserves the right, at its sole discretion, to refuse registration to any person or entity, or to suspend or terminate an existing account, without being required to give reasons, subject to our obligations under applicable law.

4The Platform

4.1 Marketplace Intermediary

Affly operates as a technology platform and marketplace intermediary. We facilitate connections between Affiliates who generate leads and Businesses who wish to purchase those leads. Affly is not a party to any transaction between an Affiliate and a Business, and is not a buyer or seller of leads in the legal sense.

4.2 No Guarantee of Lead Volume

Affly does not guarantee any minimum volume of leads, Approved Leads, earnings, or revenue to any User. The availability of campaigns, the volume of leads generated, and lead approval rates will vary depending on market conditions, campaign settings, Affiliate activity, and other factors outside Affly's control. Any earnings estimates or examples shown on the Platform are illustrative only and not a promise of future performance.

4.3 Service Availability

We will use commercially reasonable efforts to maintain the availability and reliability of the Platform. However, we do not guarantee uninterrupted or error-free access. The Platform may be temporarily unavailable due to maintenance, technical failures, or circumstances beyond our control. We will endeavour to provide advance notice of planned maintenance where practicable.

4.4 Platform Changes

Affly reserves the right to modify, suspend, or discontinue any feature or aspect of the Platform at any time with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Platform or any part of it.

4.5 Third-Party Links and Services

The Platform may contain links to third-party websites or services. Such links are provided for convenience only. Affly does not endorse, control, or accept responsibility for the content, privacy practices, or terms of any third-party websites or services.

4.6 Regulated Activities

Affly does not provide regulated financial services, claims management services, or legal advice. The Platform is a technology marketplace that facilitates connections between Affiliates and Businesses only.

Businesses operating in regulated sectors (including, without limitation, personal injury claims management, financial services, insurance mediation, debt management, or credit broking) are solely responsible for holding appropriate authorisation from the Financial Conduct Authority (FCA) or any other relevant regulatory body, and for maintaining such authorisation throughout their use of the Platform;
Affly makes no representation or warranty that campaigns in any niche comply with sector-specific regulations, licensing requirements, or codes of practice - compliance is the Business's sole responsibility;
Affly reserves the right to immediately suspend, pause, or permanently remove any campaign where it becomes aware (whether through its own enquiries, a third-party report, or otherwise) of actual or suspected regulatory non-compliance by a Business;
Businesses shall indemnify Affly against any claim, loss, or regulatory sanction arising from the Business's failure to hold appropriate regulatory authorisation.

5Business Terms

This section applies specifically to Users who register and use the Platform as a Business.

5.1 Onboarding Fee

A one-time onboarding fee of £89 is payable by Businesses upon registration. This fee covers account setup, campaign configuration support, and initial access to the Platform. The onboarding fee is non-refundable in all circumstances, including where a Business does not proceed to create a campaign or subsequently closes its account. Payment is processed via Whop at the point of account activation.

5.2 Campaign Creation

Businesses may create one or more lead campaigns on the Platform. Each campaign must specify: (a) the target niche; (b) the Cost Per Lead (CPL) the Business is willing to pay for Approved Leads; (c) any geographic or other targeting requirements permitted by the Platform; and (d) a daily or total budget cap, if desired. All campaigns are subject to Affly's approval. Affly reserves the right to reject or remove any campaign that violates these Terms, applicable law, or Affly's content policies.

5.3 CPL Setting

The CPL is set exclusively by the Business. Affly does not prescribe CPL rates, though it may display guidance ranges based on market data. Affly will deduct its 15% platform fee from each CPL, with the remaining 85% credited to the relevant Affiliate's earnings balance upon lead approval. The Business acknowledges that the CPL is the total cost charged per Approved Lead and constitutes the full consideration payable to Affly for platform use in respect of that lead.

5.4 Credit Wallet

Businesses must maintain a positive credit balance in their Affly wallet to keep campaigns active. Credits are purchased in advance via Whop using a debit or credit card or other payment methods made available by Whop. Credits are denominated in GBP (£). Credits are deducted automatically from the Business's wallet each time an Approved Lead is delivered to that Business's campaign. If a Business's credit balance falls to zero, their campaigns will be automatically paused until additional credits are added.

5.5 Charging - Approved Leads Only

Businesses are charged only for Approved Leads - that is, leads that achieve a Verification Score of 6 or above. No charge is made for leads that fail the verification threshold. Charges are applied automatically and in real time upon lead approval.

5.6 Daily Budget Caps

Businesses may optionally set a daily spend cap per campaign. Once the daily cap is reached, the campaign will automatically pause for the remainder of that calendar day (based on UK time) and resume at midnight. Affly will use reasonable efforts to honour budget caps, but cannot guarantee that spend will not exceed the cap by a small margin due to the real-time nature of lead processing.

5.7 CPL Changes

A Business may change the CPL for an active campaign at any time via the Platform dashboard. The following rules apply to CPL changes:

CPL changes take effect for leads submitted after the change is saved - leads already in the verification pipeline at the time of the change will be charged at the CPL rate in effect at the time of their original submission;
It is the Business's sole responsibility to review and confirm CPL changes before saving them. Affly is not liable for any confusion, financial loss, or operational disruption arising from mid-campaign CPL changes;
Where a CPL change results in the Business's remaining credit balance being insufficient to cover the new rate, the campaign may be paused automatically.

5.8 Dispute Window

Businesses have a 14-calendar-day window from the date a lead is delivered to raise a dispute regarding that lead. Disputes must be submitted via the Platform's dispute interface or by email to [email protected] with supporting evidence. After 14 days, the lead is deemed accepted and no refund or credit will be issued. See Section 10 (Dispute Resolution) for full details.

5.9 Credit Withdrawal Policy

Business credits are non-withdrawable as a general rule. Credits loaded into a Business wallet are intended solely for use in purchasing Approved Leads through the Platform and are not redeemable for cash. Businesses should only load credits they intend to spend on campaigns.

Where a Business believes it has exceptional circumstances, it may submit a one-time withdrawal request by emailing [email protected]. Any such request is considered entirely at Affly's sole discretion and Affly is under no obligation to approve it. If approved, a processing fee may apply and the credit balance will be reviewed against any active disputes or in-flight leads before release.

Credits will not be refunded where Affly has reasonable grounds to suspect fraud or a breach of these Terms;
Affly reserves the right to retain credits pending the resolution of any active disputes;
Approval of a one-time exception does not create any entitlement to future withdrawals.

5.10 Data Received by Businesses

Upon delivery of an Approved Lead, the Business receives the Consumer's contact details and enquiry data. By receiving this data, the Business acknowledges that it becomes an independent data controller in respect of that data and is solely responsible for handling it in accordance with the UK GDPR, PECR, and all other applicable data protection legislation. See also Section 13 (Data Protection).

5.11 Contact Obligations

Businesses agree to contact leads promptly, professionally, and in compliance with all applicable laws including PECR. Businesses must not: (a) sell or transfer lead data to any third party; (b) use lead data for any purpose other than following up on the specific service enquiry; or (c) add Consumers to general marketing lists without separate, explicit consent.

6Affiliate Terms

This section applies specifically to Users who register and use the Platform as an Affiliate.

6.1 Free to Join

Registration as an Affiliate is free of charge. Affly does not charge Affiliates any joining fee, subscription, or upfront cost. Affly earns revenue through its 15% platform fee on each Approved Lead CPL.

6.2 Campaign Selection

Approved Affiliates may browse available Business campaigns and apply to promote them. Affly or the Business may accept or reject an Affiliate's application to promote a particular campaign without being required to give reasons. Campaign availability, CPL rates, and targeting requirements are set by the relevant Business and may change at any time.

6.3 Unique Tracking Links

Upon approval to a campaign, the Affiliate will receive a unique tracking link associated with their account and the specific campaign. Affiliates must use only their assigned tracking link when promoting a campaign. Affiliates must not: (a) use another affiliate's tracking link; (b) manipulate or tamper with tracking links or parameters; or (c) attempt to bypass the Platform's attribution or tracking systems.

6.4 Traffic Source Compliance

Affiliates are responsible for ensuring that all traffic they drive to campaign lead forms complies with these Terms and all applicable laws and regulations, including (without limitation) the Consumer Protection from Unfair Trading Regulations 2008, the CAP Code, the UK GDPR, and PECR. Without limitation, Affiliates must not:

Use spam, unsolicited emails, or unsolicited text messages to drive traffic;
Use incentivised traffic (e.g., paying or offering rewards to consumers to complete a form);
Use deceptive or misleading advertisements, landing pages, or promotions;
Misrepresent the identity of the Business or the nature of the product/service;
Use pop-up, pop-under, or forced redirect traffic sources without prior written approval from Affly;
Target minors or vulnerable persons;
Generate leads through automated means, bots, or scripts;
Submit self-generated leads (i.e., submit your own details or details of connected persons as leads).

6.5 Lead Credit on Approval

When a lead submitted via an Affiliate's tracking link is scored and approved (Verification Score ≥6), 85% of the applicable CPL will be credited to the Affiliate's pending earnings balance on the Platform. This credit is provisional and subject to the Hold Period described in clause 6.6.

6.6 14-Day Hold Period

All Affiliate earnings are subject to a mandatory 14-calendar-day hold period from the date the relevant lead is approved. During this period, the earnings are marked as "pending" and cannot be withdrawn. The Hold Period exists to allow time for fraud detection processes to complete and for Businesses to raise any disputes within their 14-day dispute window. After the Hold Period has expired and no valid dispute has been raised in respect of the relevant lead, the earnings are released to the Affiliate's available balance.

Important: If a lead is disputed by a Business within the dispute window, earnings associated with that lead will remain on hold pending resolution. If the dispute is upheld, the relevant earnings will be reversed and will not be paid to the Affiliate.

6.7 KYC (Know Your Customer) Requirements

Before making their first Payout withdrawal, all Affiliates must complete Affly's KYC process. This requires submission of valid identity documents (e.g., passport or driving licence) and proof of bank account ownership. We use a regulated third-party KYC provider to carry out these checks. KYC must be completed to Affly's satisfaction, and Affly reserves the right to request additional documentation where required. Failure to complete KYC within 90 days of your account being activated may result in your account being suspended.

6.8 Withdrawal Fee

A fee of 2% is charged on each Payout withdrawal, deducted from the withdrawal amount. There is no fixed minimum withdrawal fee but the minimum withdrawal amount may be set by Affly from time to time (currently £20). The 2% fee covers payment processing costs associated with bank transfers.

6.9 Fraud and Withholding of Payments

Affly reserves the right, at its sole discretion, to withhold payment of any Affiliate earnings where it has reasonable grounds to believe that the relevant leads were generated fraudulently, in breach of these Terms, or in breach of applicable law. Where earnings are withheld pending investigation, Affly will notify the Affiliate within a reasonable timeframe. If fraud is confirmed, the earnings will be forfeited and the Affiliate's account may be terminated. Affly may refer the matter to law enforcement authorities.

6.10 Right of Set-Off and Recovery

Where earnings are reversed after withdrawal (for example, due to an upheld dispute, confirmed fraud, or a chargeback by the relevant Business), the following provisions apply:

Affly may deduct the overpayment from the Affiliate's future earnings, whether arising from the same campaign or any other campaign on the Platform, without prior notice;
If no future earnings are available or are insufficient to cover the overpayment within 60 days, Affly may invoice the Affiliate for the outstanding amount, which shall be payable within 14 days of the date of the invoice;
Affly reserves the right to refer unpaid debts to a third-party debt collection agency and/or to pursue legal recovery proceedings, including in the courts of Scotland, and the Affiliate shall be liable for all reasonable costs of such recovery (including legal fees and collection agency fees);
Affiliates acknowledge that withdrawal of earnings before the Hold Period expires (which Affly does not permit under clause 6.6) would not create any entitlement to retain those earnings if the underlying leads are subsequently disputed, reversed, or found to be fraudulent.

6.11 Affiliate Representations

By using the Platform as an Affiliate, you represent and warrant that: (a) you have the right and authority to enter into these Terms; (b) your promotional activities will comply with all applicable laws; (c) you are the owner or authorised operator of any website, social media account, or advertising account used in connection with your campaigns; and (d) you will not engage in any activity that could bring Affly, its Businesses, or the Platform into disrepute.

6.12 Independent Contractor Status

The relationship between Affly and each Affiliate is strictly that of independent contractor. Nothing in these Terms creates, and the parties do not intend to create, any relationship of employer and employee, principal and agent, partnership, joint venture, franchise, or worker (within the meaning of the Employment Rights Act 1996 or any other applicable legislation). In particular:

Affiliates are not employees, workers, agents, or partners of Affly. Affiliates have no entitlement to any employment rights, statutory benefits, holiday pay, sick pay, pension contributions, redundancy pay, notice periods, or any other right that arises from an employment or worker relationship;
Affiliates are solely responsible for their own income tax, National Insurance contributions, VAT (where applicable), business expenses, equipment, insurance, and any other liabilities arising from their use of the Platform and their promotional activities;
Affly does not deduct PAYE, National Insurance, or any other taxes from Affiliate earnings. Affiliates must register with HMRC as self-employed (or operate through a limited company) where required by law and must declare all earnings received from the Platform on their tax returns;
Affiliates have no authority to bind Affly to any contract, obligation, or liability, or to make any representation on Affly's behalf. Affiliates must not hold themselves out as employees, agents, or representatives of Affly in any communication or marketing material;
Affiliates determine their own working hours, methods, and traffic sources (subject only to compliance with these Terms and applicable law). Affly does not exercise day-to-day control over how Affiliates conduct their promotional activities;
Affiliates indemnify Affly in full against any claim, demand, tax assessment, penalty, interest, or cost (including legal fees) arising from any allegation, finding, or determination by HMRC, an employment tribunal, or any other authority that the Affiliate is or was an employee, worker, or agent of Affly. This indemnity is unlimited and survives termination of the Affiliate's account.

6.13 Verification Platform - No Marketing Compliance Obligation

Affly operates strictly as a lead verification platform. Affly's role is limited to receiving leads submitted via Affiliate tracking links, running them through our automated verification process, and (if approved) routing them to the relevant Business. Affly does not generate, source, send, or originate any marketing communications to Consumers, and Affly does not direct, supervise, control, pre-approve, or monitor the methods, channels, content, or timing of any Affiliate's marketing activities.

For the avoidance of all doubt, the following provisions apply:

Affiliate sole responsibility: Each Affiliate is solely and exclusively responsible for ensuring that their lead-generation activities comply with all applicable laws, regulations, codes of practice, and platform policies, including but not limited to: the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, the Privacy and Electronic Communications Regulations 2003 (PECR), the Consumer Protection from Unfair Trading Regulations 2008, the Committee of Advertising Practice (CAP) Code, the Telephone Preference Service (TPS) and Corporate Telephone Preference Service (CTPS) requirements, the Computer Misuse Act 1990, and the rules of any advertising or social media platform the Affiliate uses (including but not limited to Meta, Google, TikTok, X, LinkedIn, and email service providers);
No monitoring obligation: Affly is under no obligation to monitor, audit, review, pre-approve, or police any Affiliate's marketing activities, advertising creatives, landing pages, traffic sources, consent records, mailing lists, or compliance practices. Affly does not warrant or represent that any Affiliate's activities comply with applicable law;
No endorsement: The provision of a unique tracking link, the acceptance of an Affiliate to a campaign, or the payment of earnings on Approved Leads does not constitute Affly's endorsement, approval, ratification, or adoption of any Affiliate's marketing methods, advertising content, traffic sources, or compliance practices. Affly is not the publisher, sender, instigator, or originator of any Affiliate's marketing communications;
Right (but not duty) to terminate: Affly reserves the right, exercisable in its sole discretion and without prior notice, to suspend or permanently terminate any Affiliate's account where Affly becomes aware of (or reasonably suspects) any breach of applicable law, regulator complaint, third-party complaint, or breach of these Terms. The exercise of this right is at Affly's sole discretion and does not create any obligation on Affly to detect or prevent breaches in the first instance;
Forfeiture of earnings on breach: Where an Affiliate's account is terminated or suspended due to a breach (or suspected breach) of this clause, Affly may forfeit any pending earnings, withhold any payouts, and reverse any prior credits at its sole discretion;
Unlimited indemnity: Each Affiliate shall indemnify, defend, and hold harmless Affly Ltd, its directors, officers, employees, agents, contractors, and successors against any and all claims, demands, fines, penalties, judgments, settlements, regulatory enforcement actions, ICO investigations, third-party complaints, legal costs, and any other liabilities (including reasonable legal fees) arising directly or indirectly from the Affiliate's marketing activities, traffic-generation methods, advertising content, data collection practices, mailing list usage, or any actual or alleged breach by the Affiliate of any law, regulation, or code of practice. This indemnity is unlimited in amount, is not subject to the liability cap in clause 14.4, and survives termination of the Affiliate's account for any reason;
Cooperation with investigations: Where Affly becomes the subject of any regulatory investigation, complaint, or enquiry that relates wholly or partly to an Affiliate's activities, the Affiliate shall (i) provide all reasonable assistance and information requested by Affly, (ii) bear all reasonable costs incurred by Affly in responding to the investigation, and (iii) accept full responsibility for any fines, penalties, or remediation costs imposed on Affly to the extent attributable to the Affiliate's activities;
Records: Affiliates should maintain their own records of consent, opt-outs, and compliance with applicable law, sufficient to demonstrate compliance to any regulator on request. Affly does not collect, hold, or maintain such records on behalf of Affiliates and bears no responsibility for an Affiliate's failure to maintain adequate records.

This clause does not limit, replace, or override any other obligation or indemnity set out elsewhere in these Terms. In the event of any conflict between this clause and any other provision relating to Affiliate compliance, the provision most favourable to Affly shall apply.

7Consumer / Lead Terms

This section applies to individuals who submit their details via a lead form operated by an Affiliate on behalf of a Business campaign.

7.1 Consent to Contact

By completing and submitting a lead form, you ("Consumer") are confirming a genuine interest in the service or product described on that form. You consent to being contacted by the specific business associated with that campaign in connection with your enquiry, by telephone, email, or other contact methods as specified in the form. This consent is provided freely by you and is specific to the enquiry submitted.

7.2 OTP Verification

To protect you and ensure the integrity of the Platform, lead forms require you to verify your mobile phone number via a one-time passcode (OTP) sent by SMS. By entering your mobile number and the OTP, you confirm that the number is yours and is reachable. Providing a phone number that is not yours, or entering an OTP received by another person, is a misuse of the Platform.

7.3 Exclusive Lead Sharing

Your details are shared with one business only - the specific business running the campaign you responded to. Affly does not share your data with multiple businesses in respect of the same submission. This is an exclusive lead model. If you wish to enquire with additional businesses, you would need to submit a separate enquiry.

7.4 Right to Withdraw Consent

You may withdraw your consent to be contacted at any time by notifying the business that contacted you directly, or by emailing [email protected] with your request. Once consent is withdrawn, Affly will update its records and notify the business accordingly. Note that Affly cannot retract communications already sent prior to receipt of your withdrawal request.

7.5 Data Rights

For information about how your data is collected and processed by Affly, please see our Privacy Policy. For data processed by the business that received your lead, please contact that business directly.

7.6 Accurate Information

By submitting a lead form, you confirm that the information you have provided is accurate and complete to the best of your knowledge. Submitting false information may result in your being contacted by businesses offering services that are not appropriate for you.

7.7 No Consumer Contract with Affly

For the avoidance of doubt, the act of submitting a lead form does not create a consumer contract between the Consumer and Affly within the meaning of the Consumer Rights Act 2015 or the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Affly does not sell goods or services to Consumers. Affly is a technology platform that facilitates the routing of enquiries from Consumers to Businesses. The Consumer's relationship in respect of any goods or services they ultimately purchase is with the Business they are connected to, not with Affly. Accordingly, the 14-day cooling-off period under the Consumer Contracts Regulations 2013 does not apply to the act of submitting a lead form to Affly.

If you have purchased or are considering purchasing goods or services from a Business you were connected to via Affly, your statutory consumer rights apply against that Business directly. Affly is not party to any contract you enter into with a Business and accepts no liability for the goods or services provided by Businesses.

8Payments & Credits

8.1 Payment Processing

All payments on the Platform - including Business credit top-ups and Affiliate Payout withdrawals - are processed via Whop, a regulated payment services provider. By loading credits or initiating a withdrawal, you agree to Whop's terms of service as applicable to your use. Affly does not store card details on its own servers; payment information is handled directly by Whop in accordance with PCI-DSS standards.

8.2 Credit Top-Ups

Businesses can top up their credit wallet at any time via the Platform dashboard using a debit card, credit card, or other payment method made available by Whop. Credits are denominated in GBP and are added to the wallet immediately upon successful payment confirmation from Whop.

8.3 Credits Are Not Cash

Credits held in a Business's wallet are not legal tender, do not accrue interest, and are not redeemable for cash except in the limited circumstances set out in clause 5.8 (Credit Withdrawal Policy). Credits are non-transferable and may not be sold, gifted, or otherwise assigned to another Business account.

8.4 VAT

All fees quoted on the Platform are exclusive of VAT unless expressly stated otherwise. Where VAT is applicable, it will be added at the prevailing UK rate. Affly will issue VAT invoices to Businesses as appropriate. VAT registration status will be displayed on invoices once Affly is VAT registered. Affiliates are responsible for their own VAT obligations arising from their use of the Platform.

8.5 Invoicing

Businesses will receive electronic invoices or statements via the Platform dashboard or by email in respect of credit purchases and lead charges. These records are available to download from the Platform for tax and accounting purposes.

8.6 Failed Payments

If a payment from a Business fails (e.g., card declined), any resulting shortfall in credits will cause active campaigns to pause. Affly reserves the right to suspend Business accounts where payment remains outstanding. Affly is not liable for any commercial losses suffered by a Business as a result of campaign pauses caused by insufficient credits.

8.7 Currency and Foreign Exchange

All transactions on the Platform are denominated in GBP. Any currency conversion fees charged by a User's bank or card provider in connection with payments are the User's sole responsibility.

8.8 Credits Are Not E-Money

For the avoidance of doubt:

Credits held in Affly wallets are not electronic money within the meaning of the Electronic Money Regulations 2011 (SI 2011/99);
Affly is not authorised or registered as an electronic money institution (EMI) or payment institution (PI) by the Financial Conduct Authority;
Credits represent a prepaid balance for services to be consumed on the Platform only and fall within the limited network exclusion under Regulation 32 of the Payment Services Regulations 2017 (SI 2017/752);
Credits do not accrue interest and confer no rights beyond their use on the Platform as described in these Terms;
Users acknowledge that credits are not deposits, are not protected by the Financial Services Compensation Scheme (FSCS), and that Affly has no obligation to safeguard credits in accordance with the Electronic Money Regulations 2011 or the Payment Services Regulations 2017.

8.9 Anti-Money Laundering

Affly is committed to complying with applicable anti-money laundering and counter-terrorist financing legislation. The following provisions apply to all Users:

Affly reserves the right to conduct enhanced due diligence on any User where required by applicable anti-money laundering legislation, including the Proceeds of Crime Act 2002, the Terrorism Act 2000, and the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (as amended);
Users must not use the Platform to launder money, finance terrorism, evade sanctions, or engage in any other financial crime;
Affly may freeze credits, withhold payouts, or suspend or terminate accounts where it suspects (acting reasonably) that a User's activity may involve financial crime, money laundering, or terrorist financing;
Affly may report suspicions to the National Crime Agency (NCA) by way of a Suspicious Activity Report (SAR) without notifying the User, in accordance with its obligations under the Proceeds of Crime Act 2002. Users acknowledge that Affly is prohibited by law from disclosing the existence of any such report ("tipping off");
Users shall provide any documentation or information reasonably requested by Affly for anti-money laundering purposes without undue delay. Failure to do so may result in suspension of the User's account and withholding of any credits or payouts.

9Lead Verification & Scoring

9.1 The Verification Score

Affly operates an automated lead verification and scoring system. Each submitted lead is assessed against a set of criteria and assigned a Verification Score out of 9 points. The scoring criteria are as follows:

+2 points - Valid UK mobile number provided (verified format and active carrier lookup);
+1 point - All required fields on the lead form completed;
+3 points - OTP (one-time passcode) verification completed successfully by the Consumer on their mobile device;
+3 points - Consumer confirms genuine intent (affirmative response to intent confirmation step).

The maximum possible Verification Score is 9 points. A lead must achieve a minimum score of 6 points to be classified as an Approved Lead and trigger a charge and payout.

9.2 Approved Lead Threshold

Any lead achieving a Verification Score of 6 or above is classified as an Approved Lead, subject to Affly's fraud detection checks. A lead scoring below 6 is automatically rejected and no charge is made to the Business and no credit is made to the Affiliate.

9.3 Fraud Detection

In addition to the Verification Score, Affly applies automated fraud detection logic including (without limitation): duplicate submission detection, IP reputation analysis, velocity checks (multiple submissions from the same device or IP), and device fingerprinting. Even where a lead achieves a Verification Score of 6 or above, it may be rejected or held if flagged by fraud detection systems.

9.4 Affly's Decisions Are Final

Affly's determination of whether a lead is an Approved Lead (including the Verification Score calculation and fraud detection outcome) is made by automated systems and, where applicable, manual review. Affly's decision on whether a lead is approved or rejected is final, subject only to the genuine dispute process set out in Section 10. Affly does not guarantee that all legitimate leads will pass the verification threshold.

9.5 Scoring System Changes

Affly reserves the right to modify the scoring criteria and thresholds at any time as part of its ongoing commitment to lead quality. Where changes to the scoring system would materially affect Affiliates or Businesses, Affly will endeavour to provide reasonable notice.

10Dispute Resolution

10.1 Business Dispute Window

A Business may raise a dispute in respect of any Approved Lead within 14 calendar days of the lead being delivered to the Business's dashboard. After this 14-day window has passed, the lead is deemed accepted in full and no refund, credit, or further dispute may be raised in relation to it.

10.2 Grounds for Dispute

Valid grounds for a dispute include:

The phone number provided is invalid, disconnected, or not reachable;
The Consumer denies having submitted the form or expresses no interest in the service;
The Consumer is outside the Business's stated target geography (where geographic targeting was set);
The lead appears to be a duplicate of a lead the Business already received through the Platform;
Clear evidence of fraudulent or automated submission.

The following are not valid grounds for dispute:

The Consumer did not convert into a customer;
The Consumer is not interested in purchasing at the current price;
The Business is unable to fulfil the service for operational reasons;
The Business changes its mind about the CPL it is willing to pay after the lead is delivered.

10.3 Evidence Required

Disputes must be submitted via the Platform dispute interface or by email to [email protected] and must include: (a) the lead ID or reference; (b) the specific grounds for the dispute; and (c) reasonable supporting evidence (e.g., call recordings showing the number was invalid, Consumer communication denying the enquiry).

10.4 Investigation and Decision

Upon receipt of a valid dispute, Affly will investigate the matter, which may include reviewing lead data, verification records, and evidence submitted by the Business. Affly aims to resolve disputes within 10 business days. Affly's decision on any dispute is final and binding. Where a dispute is upheld, the relevant credits will be refunded to the Business's wallet and the corresponding Affiliate earnings will be reversed.

10.5 Affiliate Right of Response

Where a dispute is raised relating to a lead generated by an Affiliate, Affly may give the Affiliate an opportunity to provide information relevant to the investigation. This is at Affly's discretion and the Affiliate has no right to veto a dispute decision made by Affly.

10.6 Escalation

If a User believes Affly's dispute decision was made in error, they may escalate by writing to [email protected] with a clear explanation of the basis for escalation. Escalated decisions will be reviewed by a senior member of the Affly team. This review is the final internal step. Thereafter, the parties are entitled to pursue their legal remedies under clause 17 (Governing Law).

10.7 Alternative Dispute Resolution

Before commencing any court proceedings arising out of or in connection with these Terms (other than proceedings for urgent injunctive or interim relief), the parties agree to follow the escalation process below:

Good faith negotiation: The parties shall first attempt to resolve the dispute through good faith negotiation for a period of not less than 30 days from the date one party notifies the other in writing of the dispute;
Mediation: If the dispute is not resolved through negotiation within the 30-day period, either party may refer the matter to mediation administered by the Centre for Effective Dispute Resolution (CEDR) in accordance with CEDR's Model Mediation Procedure. The costs of the mediator shall be shared equally between the parties unless the mediator directs otherwise;
Court proceedings: If the dispute is not resolved within 30 days of the appointment of a mediator (or such longer period as the parties may agree), either party may commence court proceedings in accordance with clause 17 (Governing Law);
Nothing in this clause prevents either party from seeking urgent injunctive or interim relief from any court of competent jurisdiction at any time.

10.8 General Complaints Procedure

The dispute process in clauses 10.1 to 10.6 above relates specifically to lead-level disputes (e.g. a Business challenging the validity of an Approved Lead). For complaints of a general nature about the Platform, our service, our staff, or any other matter not covered by the lead dispute process, the following procedure applies:

Complaints should be sent in writing to [email protected] with the subject line "Complaint" and a clear description of the issue, the date(s) on which it occurred, and the outcome you are seeking;
Affly will acknowledge receipt of your complaint and aim to provide a substantive response within 14 calendar days of receipt;
Where a complaint requires further investigation (for example, where it involves third-party providers, technical issues, or matters requiring escalation), Affly may extend the response window with notice to you;
Affly's response, given in writing, will be considered the final outcome of the complaint at the operational level. If you are not satisfied with the outcome, you may pursue the escalation, mediation, and litigation options set out in clauses 10.6 and 10.7;
Nothing in this clause prevents you from contacting an external regulator (such as the ICO for data protection complaints) or from exercising any statutory rights you may have.

11Prohibited Conduct

Users must not engage in any of the following activities in connection with the Platform. Breach of this section is a material breach of these Terms and may result in immediate account termination, forfeiture of earnings or credits, and legal action.

11.1 Fraudulent Activity

Submitting fake, fabricated, or manufactured leads (including submitting your own details, details of friends or family, or details of fictional persons);
Generating leads through bots, scripts, automated tools, or any means that does not involve a genuine human consumer;
Manipulating or attempting to manipulate Affly's verification or scoring systems;
Intercepting or interfering with OTP verification processes;
Using stolen or synthetic identities in connection with lead submissions.

11.2 Multiple Accounts and Circumvention

Creating multiple accounts to circumvent account limits, bans, or fraud controls;
Using proxies, VPNs, or other means to mask your location or identity for the purpose of circumventing Platform rules;
Sharing account credentials with third parties;
Allowing third parties to operate your account on your behalf without Affly's prior written consent.

11.3 Circumventing the Platform

Attempting to establish a direct commercial relationship with a Business or Affiliate you first encountered through the Platform, that bypasses Affly's fee structure, during your use of the Platform and for 12 months thereafter;
Sharing or soliciting contact details between Businesses and Affiliates for the purpose of off-platform transactions.

11.4 Illegal and Regulatory Non-Compliance

Engaging in any activity that violates applicable law, including but not limited to the UK GDPR, PECR, the Consumer Protection from Unfair Trading Regulations 2008, the Fraud Act 2006, and the Computer Misuse Act 1990;
Sending spam or unsolicited commercial communications to generate leads;
Making false or misleading claims about the product or service in promotional materials;
Promoting products or services that are illegal, unlicensed, or require regulatory approval not held by the Business.

11.5 System Integrity

Attempting to access Affly's systems, databases, or source code without authorisation;
Introducing malware, viruses, or other harmful code into the Platform;
Conducting denial-of-service attacks or otherwise interfering with Platform availability;
Scraping Platform data without Affly's prior written consent.

12Intellectual Property

12.1 Affly's IP

All intellectual property rights in the Platform, including (without limitation) its software, code, design, user interface, databases, content, trademarks, logos, and trade names (including the "Affly" brand), are owned by or licensed to Affly Ltd. Nothing in these Terms transfers any intellectual property rights to any User.

12.2 Limited Licence to Users

Subject to your compliance with these Terms, Affly grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for its intended purposes. This licence does not permit you to: (a) copy, reproduce, or distribute any part of the Platform; (b) create derivative works based on any Platform content; (c) reverse engineer, decompile, or disassemble any part of the Platform; or (d) use Affly's trademarks or branding without prior written consent.

12.3 Affiliate Promotional Materials

Affly may make available to Affiliates certain approved promotional materials (banners, copy, images). Affiliates may use such materials solely in connection with their Affly campaigns and in accordance with any usage guidelines provided. Affly retains all intellectual property rights in approved materials.

12.4 User Content

Where you submit or upload any content to the Platform (including campaign descriptions, promotional copy, or images), you grant Affly a worldwide, non-exclusive, royalty-free licence to use, reproduce, and display such content for the purposes of operating the Platform. You represent and warrant that you have the right to grant this licence and that your content does not infringe any third party's intellectual property rights.

12.5 Confidentiality

Users must keep confidential all non-public information relating to the Platform, its systems, pricing logic, scoring algorithms, matching processes, internal business operations, and any other information that a reasonable person would consider confidential ("Confidential Information").

Users must not disclose Confidential Information to any third party without Affly's prior written consent;
Users must take reasonable measures to protect Confidential Information from unauthorised access and disclosure, using at least the same degree of care they apply to their own confidential information;
This obligation does not apply to information that: (a) is or becomes publicly available other than through a breach of this clause; (b) was lawfully known to the User prior to disclosure by Affly; (c) is independently developed by the User without reference to the Confidential Information; or (d) is required to be disclosed by law, regulation, or order of a court or regulatory authority of competent jurisdiction, provided the User gives Affly reasonable prior written notice of such disclosure where legally permitted;
This obligation survives termination of the User's account for a period of 2 years from the date of termination.

13Data Protection

13.1 UK GDPR Compliance

Affly is committed to processing personal data in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and all other applicable data protection legislation. Our full Privacy Policy, which explains in detail how we collect, use, and protect personal data, is available at affly.co.uk/privacy.

13.2 Affly as Data Controller

In respect of data relating to Affiliates, Businesses, and website visitors, Affly acts as an independent data controller. In respect of Consumer data collected through lead forms, Affly acts initially as data controller for verification purposes, before sharing that data with the relevant Business.

13.3 Businesses as Data Controllers

Upon receipt of an Approved Lead, the Business becomes an independent data controller in respect of the Consumer's personal data. The Business is solely responsible for:

Processing the Consumer's data in accordance with the UK GDPR and PECR;
Providing the Consumer with any required privacy information at the point of contact;
Responding to any data subject rights requests from the Consumer in respect of data it controls;
Ensuring that lead data is used solely for the purpose of following up on the specific service enquiry;
Retaining lead data only for as long as necessary and no longer than the Business's applicable retention policy.

13.4 Data Processing Agreement

Where Affly processes personal data on behalf of a Business (for example, in facilitating the lead delivery), Affly acts as a data processor. The terms of Schedule 1 to these Terms (available from [email protected]) constitute the data processing agreement between Affly and each Business, as required by Article 28 UK GDPR.

13.5 Affiliate Data Compliance

Affiliates are independently responsible for ensuring that their promotional activities and data collection practices (on landing pages and other properties they control) comply with UK GDPR and PECR. Affiliates must ensure that Consumers are given adequate privacy notices before submitting their data via any Affiliate-controlled property.

13.6 Data Breach Notification

The following provisions apply in the event of a personal data breach affecting Consumer lead data processed in connection with the Platform:

Affly will notify affected Businesses without undue delay (and in any event within 72 hours) upon becoming aware of a personal data breach affecting Consumer lead data, in accordance with Article 33 UK GDPR;
Businesses must notify Affly without undue delay (and in any event within 72 hours) upon becoming aware of any personal data breach affecting lead data they received through the Platform, by emailing [email protected];
Both parties will cooperate in good faith to investigate, contain, and mitigate any personal data breach and to comply with their respective notification obligations to the Information Commissioner's Office (ICO) and affected data subjects;
Affly's obligation to notify does not constitute an admission of fault, liability, or responsibility for the breach. Each party's liability in respect of a data breach shall be determined in accordance with the UK GDPR and applicable law.

14Disclaimers & Limitation of Liability

14.1 Platform Provided "As Is"

The Platform is provided on an "as is" and "as available" basis without any warranties, express or implied, to the fullest extent permitted by law. Affly makes no warranty that the Platform will be uninterrupted, error-free, or free from viruses or other harmful components, or that any defects will be corrected.

14.2 No Warranty on Lead Quality

While Affly operates a verification and scoring system designed to filter out low-quality submissions, it does not warrant or guarantee that any Approved Lead will convert into a customer, be commercially valuable to the Business, or meet any particular standard beyond the Verification Score threshold described in these Terms.

14.3 Exclusion of Indirect Loss

To the fullest extent permitted by applicable law, Affly shall not be liable to any User for any:

Loss of profits, revenue, or business opportunity;
Loss of anticipated savings;
Loss of data or corruption of data;
Loss of goodwill or reputation;
Indirect, special, consequential, or punitive losses;

whether arising under contract, tort (including negligence), statute, or otherwise, even if Affly has been advised of the possibility of such losses.

14.4 Liability Cap

Subject to clause 14.6, Affly's total aggregate liability to any User arising out of or in connection with these Terms or the Platform, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall not exceed the total fees paid by or to that User in the 3 months immediately preceding the event giving rise to the claim.

14.5 Aggregate Claim Limitation

All claims arising under or in connection with these Terms are subject to the following additional limitations:

All claims must be brought within 12 months of the date the claimant first became aware (or ought reasonably to have become aware) of the facts giving rise to the claim. Claims not brought within this period are time-barred to the fullest extent permitted by applicable law;
For the avoidance of doubt, the liability cap in clause 14.4 applies to all claims in aggregate (whether arising from one or more incidents, events, or causes of action) and not per claim or per incident.

14.6 Personal Injury and Fraud Carve-Out

Nothing in these Terms shall limit or exclude Affly's liability for: (a) death or personal injury caused by Affly's negligence; (b) fraudulent misrepresentation; or (c) any other liability that cannot be excluded or limited under applicable law (including the Consumer Rights Act 2015 in respect of consumers).

14.7 Consumer Rights

If you are a consumer (as defined under the Consumer Rights Act 2015) rather than a business user, certain statutory rights may apply to you that cannot be excluded. Nothing in these Terms is intended to affect those statutory rights.

15Indemnification

You agree to indemnify, defend, and hold harmless Affly Ltd, its directors, officers, employees, agents, contractors, and successors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

Your use of the Platform in breach of these Terms;
Your breach of any applicable law or regulation, including data protection law;
Any fraudulent, deceptive, or misleading conduct by you in connection with the Platform;
Any content you submit to the Platform that infringes a third party's rights;
Any claim brought by a Consumer arising from a Business's handling of their data or failure to contact them appropriately;
Any third-party claim arising from your promotional activities as an Affiliate.

Affly reserves the right, at its own expense, to assume exclusive defence and control of any matter subject to indemnification by you, in which event you will cooperate with Affly in asserting any available defences.

This indemnification obligation survives termination of your account and these Terms for any reason, and shall continue in full force and effect regardless of when the relevant claim, liability, or loss arises.

For the avoidance of doubt, the indemnifying party's obligations under this Section 15 are not limited by the liability cap set out in Section 14. The indemnifying party shall be liable for the full amount of all claims, liabilities, damages, losses, costs, and expenses covered by this indemnity, without limitation.

16Termination

16.1 Termination by You

You may close your account at any time by contacting us at [email protected]. For Affiliates, account closure is not permitted while there are pending earnings within the Hold Period unless you forfeit those earnings. For Businesses, account closure is not permitted while there are active disputes or active campaigns unless all credits are first forfeited or a credit return is approved by Affly at its sole discretion.

16.2 Termination by Affly

Affly may suspend or terminate your account at any time, with or without notice, in the following circumstances:

You breach any provision of these Terms;
You engage in fraudulent or dishonest activity;
Your use of the Platform poses a legal, regulatory, or reputational risk to Affly;
Affly is required to do so by law, court order, or regulatory authority;
Your account has been inactive for more than 12 consecutive months.

16.3 Consequences of Termination

Upon termination of your account:

Your access to the Platform will cease immediately;
Any pending Affiliate earnings within the Hold Period will be reviewed; where earnings are legitimate and the Hold Period has expired, they will be paid out subject to KYC completion and the applicable withdrawal fee;
Any Business credits that are not subject to dispute or investigation may be considered for return at Affly's sole discretion upon written request to [email protected] - credits are non-withdrawable as a general rule and no entitlement to a refund arises upon termination;
Where termination is due to fraud or breach of these Terms, Affly reserves the right to forfeit all pending earnings or credits and to pursue any outstanding amounts owed to it;
Any data associated with your account will be retained and deleted in accordance with our Privacy Policy.

16.4 Survival

The following clauses shall survive termination of your account or these Terms for any reason: Definitions (2), Affiliate Terms clause 6.10 (Right of Set-Off and Recovery), clause 6.12 (Independent Contractor Status, including the tax indemnity), and clause 6.13 (Verification Platform - No Marketing Compliance Obligation, including the unlimited indemnity), Payments (8), Dispute Resolution clause 10.7 (Alternative Dispute Resolution) and clause 10.8 (General Complaints Procedure), Intellectual Property (12) including clause 12.5 (Confidentiality), Data Protection (13), Disclaimers & Liability (14), Indemnification (15), Governing Law (17), and General (18).

17Governing Law

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of Scotland.

The parties agree that the courts of Scotland shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or their subject matter, save that Affly reserves the right to seek injunctive or other equitable relief in any court of competent jurisdiction to prevent or restrain a breach of these Terms.

If you are a consumer resident in another part of the United Kingdom (England, Wales, or Northern Ireland), you may also have the right to bring proceedings in the courts of that jurisdiction under applicable consumer protection legislation.

To the extent applicable in any jurisdiction, the parties irrevocably waive any right to trial by jury in any legal proceeding arising out of or in connection with these Terms or the Platform.

18General

18.1 Entire Agreement

These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and Affly in relation to the Platform and supersede all previous agreements, representations, and understandings (whether written or oral) between the parties relating to the same subject matter.

18.2 Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severed from the remaining Terms, which shall continue in full force and effect.

18.3 Waiver

No failure or delay by Affly in exercising any right or remedy under these Terms shall constitute a waiver of that right or remedy. A waiver of any right or remedy on one occasion shall not be construed as a waiver of the same right or remedy on any other occasion.

18.4 No Third-Party Rights

These Terms do not confer any rights on any third party under the Contracts (Third Party Rights) (Scotland) Act 2017 or otherwise, unless expressly stated.

18.5 Assignment

You may not assign or transfer any rights or obligations under these Terms without Affly's prior written consent. Affly may freely assign these Terms or any rights or obligations under them, including in connection with a merger, acquisition, or sale of Affly's business or assets, provided that your rights under these Terms are not materially diminished.

18.6 Notices

All notices to Affly under these Terms must be sent by email to [email protected] or by post to our registered address: 8 Poplar Street, Mayfield, Dalkeith, Scotland, EH22 5LW. Notices sent by email are deemed received on the next business day following transmission. Affly may send notices to you at the email address registered to your account.

18.7 Force Majeure

Affly shall not be liable for any delay or failure to perform its obligations under these Terms where such delay or failure results from circumstances beyond Affly's reasonable control, including (without limitation) acts of God, natural disasters, pandemic, government action, cyberattacks, or failure of third-party infrastructure providers.

18.8 No Class Actions

To the fullest extent permitted by applicable law:

All claims and disputes arising under or in connection with these Terms must be brought in each User's individual capacity and not as a claimant or class member in any purported class, collective, or representative proceeding, including under any Group Litigation Order (GLO) pursuant to Part 19 of the Civil Procedure Rules or any equivalent procedure in Scotland or Northern Ireland;
The parties agree that any dispute resolution proceedings (including negotiation, mediation, and litigation) will be conducted on an individual basis only;
No User may seek to consolidate claims with those of other Users or participate in any representative action against Affly unless required by mandatory applicable law.

18.9 Contact

Questions about these Terms should be directed to [email protected].