Earnings & Withdrawal Policy

This Earnings & Withdrawal Policy governs how users earn, accumulate, and withdraw funds on Trek360AI. By participating in earning activities (referrals, commissions, marketplace sales), you agree to these terms.

All earnings are subject to verification, compliance checks, and applicable tax obligations.

Users may earn funds through:

• Matrix/Unilevel Commissions — 9-level commission structure (45% total pool: L1–3 at 4%, L4–6 at 5%, L7–9 at 6%)
• Matching Bonus — 10% bonus on your direct referrals' matrix earnings
• Global Pool — 5% of platform revenue shared among Elite-ranked members
• Marketplace Sales — For Creator Hub and platform-managed product sales only. Standard marketplace (classifieds) sales are direct buyer-to-seller; Trek360AI does not process or credit classifieds revenue to your wallet
• Creator Earnings — Tips, subscriptions, and digital product sales through the Creator Hub
• Bonuses — Promotional bonuses and milestone rewards

Total reward pool: 60% of subscription revenue. All earnings are credited to your Trek360AI Wallet and displayed in your chosen currency.

Minimum Withdrawal

• The minimum withdrawal amount is $20.00 USD

Processing Schedule

• Withdrawal requests are processed weekly (every Monday)
• Processing takes 3–5 business days after approval
• Funds are sent via Stripe to your connected payout method

Withdrawal Methods

• Bank transfer (ACH/wire)
• Stripe Express account

Daily/Monthly Limits

• Default daily limit: $500
• Default monthly limit: $5,000
• Higher limits available after KYC verification

Child Accounts

• Child account withdrawals require parent/guardian approval
• Child accounts have reduced withdrawal limits set by the parent

30-Day Pending Period

All commission earnings are held in "pending" status for 30 calendar days from the date they are credited. During this period, the funds are visible in your Wallet but cannot be withdrawn. After 30 days, pending earnings automatically transition to "approved" status and become part of your available balance.

The pending period exists to:

• Allow time for subscription refunds, chargebacks, and payment disputes to be resolved
• Verify the legitimacy of the underlying transaction
• Comply with financial regulations

Clawbacks (Commission Reversals)

Approved or pending commissions may be reversed ("clawed back") under the following circumstances:

• The referred user receives a full or partial refund
• The referred user's subscription is cancelled during the refund window
• A chargeback is filed against the underlying subscription payment
• The earning is determined to be fraudulent (e.g., self-referral, fake account)
• The referred user's payment method is declined after initial authorization
• Trek360AI determines the referral violated the Referral Program Policy or Commission Policy

When a clawback occurs:

Negative Balances

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

• Future earnings are applied toward the negative balance first
• Withdrawals are blocked until the balance returns to positive
• Negative balances must be resolved within 90 days
• After 90 days, Trek360AI may pursue recovery through other means or freeze the account
• You will receive escalating notifications at 30, 60, and 75 days

Frozen Accounts

Withdrawals may be suspended ("frozen") if:

• Your account is under active fraud investigation
• Automated fraud detection flags suspicious activity
• You fail to complete required KYC verification
• Your account has an unresolved negative balance
• A compliance review is in progress

Frozen accounts retain their balance — funds are not forfeited unless a separate enforcement action is taken. You will be notified of the reason for the freeze and steps to resolve it.

You are responsible for all tax obligations related to your earnings on Trek360AI.

• Users earning over $600/year (US) may be required to provide tax identification
• Trek360AI may issue tax forms (1099-NEC for US users) where required by law
• International users are responsible for reporting earnings per their local tax laws
• Trek360AI does not provide tax advice — consult a qualified tax professional

Tax information can be updated in Settings > Wallet > Tax Information.

If you believe an earning or withdrawal was processed incorrectly:

For earnings and withdrawal inquiries:

Support Hub: Submit a ticket through the Support Hub (Wallet category)

Email: billing@trek360ai.com

Address: Trek360AI Ltd, Aotearoa, New Zealand