Commission Policy

This Commission Policy governs how commissions are calculated, credited, held, reversed, and paid out on the Trek360AI platform. It applies to all users who earn referral commissions, matrix commissions, matching bonuses, or any other performance-based compensation.

This policy should be read in conjunction with the Earnings & Withdrawal Policy, Referral Program Policy, and KYC & Compliance Policy.

By participating in any earning activity on Trek360AI, you agree to the terms of this policy.

Trek360AI offers the following commission types:

Matrix/Unilevel Commissions — 45% Total (9 Levels)

• Levels 1–3: 4% each — Direct team and early duplication reward
• Levels 4–6: 5% each — Team expansion and mid-network reward
• Levels 7–9: 6% each — Deep residual earnings
• Earned on subscription payments from users in your downline tree (unlimited width per level)
• Frequency: Recurring — earned on every payment while the referred user remains subscribed
• Attribution: First-click attribution via your unique referral link or code

Matching Bonus — 10%

• Earned on your direct referrals' matrix commission earnings
• Qualification criteria are based on rank and active referral count

Global Pool — 5%

• A percentage of platform revenue is distributed among top-ranked Elite participants
• Allocation is based on rank and contribution to the network

Total Reward Pool: 60% · Platform Retained Margin: 40%

All commission rates are subject to change with 30 days' written notice.

All commissions — regardless of type — enter a mandatory 30-day pending period before becoming available for withdrawal.

How it works:

Why 30 days?

• Stripe allows chargebacks for up to 120 days, but most disputes occur within the first 30 days
• The pending period protects both you and the platform from refund-related reversals
• It ensures compliance with financial regulations governing affiliate/referral payments
• It allows our fraud detection systems to verify the legitimacy of the underlying transaction

During the pending period:

• You can see the pending amount in your Wallet dashboard
• The "Next Clearing Date" shows when your earliest pending commission will become available
• Pending commissions count toward your total earnings but NOT your withdrawable balance
• If the underlying transaction is refunded or reversed during this period, the commission is cancelled (not clawed back — it simply never clears)

Commissions may be reversed at any time if the underlying transaction is invalidated. There are two types:

Pre-Clearing Reversal (Pending → Cancelled)

If the underlying event occurs while the commission is still pending:

• The commission is simply removed from pending — it never becomes available
• No impact on your available balance
• Status changes from "pending" to "reversed"

Post-Clearing Clawback (Approved → Reversed)

If the underlying event occurs after the commission has already cleared:

• The commission amount is deducted from your available balance
• If your balance is insufficient, it goes negative (see Negative Balances section)
• Status changes from "approved" or "paid" to "reversed" or "reclaimed"

Events that trigger reversals:

• Subscription refund (full or partial)
• Subscription cancellation during refund window
• Chargeback filed by the subscriber's bank
• Payment method failure (declined, expired, insufficient funds)
• Fraud detection — the referral or subscriber account is determined to be fraudulent
• Policy violation — the referral was generated through prohibited practices

Notification:

You will be notified via email and in-app notification for every reversal, including the reason and the affected amount.

If post-clearing clawbacks exceed your available balance, your wallet enters a negative balance state.

Rules:

• All future earnings are applied toward the negative balance first — you cannot withdraw until the balance is positive
• Withdrawals are completely blocked while in negative balance
• Trek360AI will not charge your external payment method to recover negative balances
• You will receive email notifications at 0 days (when it goes negative), 30 days, 60 days, and 75 days

Resolution timeline:

• 0–90 days: Earn your way back to positive through normal commissions
• After 90 days: Trek360AI may take further action including account restrictions, escalation to collections, or writing off the debt and freezing the account

Dispute process:

If you believe a negative balance was applied in error, contact billing@trek360ai.com within 30 days of the reversal. Include your transaction history and any relevant documentation.

Trek360AI employs automated and manual fraud detection to protect the integrity of the commission system.

Automated Detection:

• Machine learning models score all accounts for fraud risk
• Patterns analyzed include: self-referral behavior, rapid signup velocity, payment method reuse, geographic anomalies, and referral chain analysis
• High-risk scores trigger automatic review and may freeze withdrawals pending investigation

Prohibited Activities (Commission Fraud):

• Self-referrals — Referring yourself via alternate emails, devices, or VPNs
• Fake signups — Creating accounts that have no genuine user behind them
• Coordinated fraud rings — Colluding with others to generate artificial commissions
• Incentive stacking — Offering unauthorized cash-back or incentives to inflate signups
• Bot-driven referrals — Using automated tools to generate clicks or signups
• Identity fraud — Using stolen identities to create subscriber accounts

Enforcement Actions:

| Severity | Action |

|----------|--------|

| Low risk | Warning + enhanced monitoring |

| Medium risk | Commission hold + compliance review |

| High risk | Account freeze + all pending commissions cancelled |

| Confirmed fraud | Permanent ban + full balance forfeiture + legal action |

Trek360AI reserves the right to withhold, reverse, or forfeit commissions at any time if fraud is suspected or confirmed. Decisions are final but may be appealed within 14 days by emailing compliance@trek360ai.com.

Calculation:

• Commissions are calculated as a percentage of the net subscription payment (after Stripe processing fees and applicable taxes)
• If a partial refund is issued, the commission is adjusted proportionally
• Currency conversions (if applicable) use the exchange rate at the time of the original transaction

Idempotency:

• Each subscription payment generates commissions once only — webhook retries or duplicate events do not create duplicate commissions
• Every commission is linked to a unique payment event ID for auditability

Auditing:

• You can view a full breakdown of every commission in Wallet > Earnings
• Each entry shows: source type, level, referral email, plan, amount, status, and clearing date
• Trek360AI maintains audit logs of all commission calculations for compliance purposes

Trek360AI reserves the right to modify commission rates, structures, or rules.

Notice periods:

• Rate changes: 30 days' written notice via email and in-app notification
• Structural changes (e.g., number of levels): 60 days' notice
• Program termination: 90 days' notice

Grandfathering:

• Commissions already earned (approved or pending) are honored at the rate in effect when they were generated
• Only future earnings are affected by rate changes

For commission-related questions or disputes:

Email: billing@trek360ai.com

Compliance: compliance@trek360ai.com

Address: Trek360AI Ltd, Aotearoa, New Zealand

We aim to respond to all commission inquiries within 48 hours.