Terms & Conditions

1. Acceptance of Terms

By registering as an Affiliate, Patron, or Merchant on the SHAREDMARGIN platform, or by accessing sharedmargin.com, you agree to be bound by these Terms and Conditions and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use the platform.

These Terms and Conditions constitute a legally binding agreement between you and SHAREDMARGIN. We reserve the right to update these terms at any time, with notice provided to registered members by email.

2. Eligibility

To register as a member of SHAREDMARGIN you must:

Be at least 18 years of age.

Reside in one of SHAREDMARGIN's operating territories at the time of registration.

Provide accurate and complete identity information as required for KYC verification.

Not have been previously suspended or banned from the SHAREDMARGIN platform.

SHAREDMARGIN reserves the right to refuse registration or terminate any account that does not meet these eligibility requirements.

3. Membership Types

SHAREDMARGIN offers three consumer membership types:

Affiliate: A registered member who earns cashback on personal purchases and override credits from the purchases of members they sponsor — across up to five levels of their sponsorship network.

Patron: A registered member associated with a sponsoring Affiliate who earns cashback on personal purchases only. Patrons have no sponsorship obligations and may upgrade to Affiliate membership at any time.

Merchant: A registered business that lists products on the SHAREDMARGIN platform, earns a base participation dividend and merchant override credits, and participates in the merchant sponsorship network.

Each membership type is governed by these Terms and Conditions and by the specific rules of the SHAREDMARGIN Compensation Plan as published on the platform.

4. Reward Computation and Distribution

All cashback and override credits are computed and distributed by SHAREDMARGIN's centralised reward engine. The following principles govern reward distribution:

Cashback credits are drawn from Business Volume (BV), which is 80% of the product margin as configured by the merchant.

Override credits are drawn from Point Value (PV), which is 80% of BV. Override percentages are determined by the member's rank and personally sponsored member count, as published in the compensation matrix.

All reward computations are final as calculated by the platform at the time of each transaction. SHAREDMARGIN does not adjust computed rewards retrospectively except in cases of verified transaction errors or fraud.

Setup fees paid by merchants are excluded from all reward calculations.

Platform fees charged to merchants are separate from the merchant margin and do not reduce BV or PV calculations.

5. Active Status

A member is considered active if they have made at least one qualifying purchase within the preceding 90 calendar days. Active status governs whether a member's Point Value flows to their upline for override credit calculation purposes.

Members who have not made a purchase within 90 days are considered inactive. Inactive members reactivate automatically upon making a qualifying purchase. There is no reactivation fee.

Active status is separate from rank qualification. Rank qualification requires meeting monthly Business Volume thresholds and network requirements as specified for each rank.

6. Rank Advancement and Maintenance

Consumer ranks advance from Affiliate through Bronze, Silver, Gold, Platinum, and Diamond. Merchant ranks advance from Merchant through Pioneer, Vanguard, and Apex.

Rank advancement requires meeting the published criteria for the target rank in a given calendar month, including Business Volume thresholds, Group Volume thresholds, and minimum qualified downline member counts.

Ranks are subject to a maintain-or-demote policy. Members who fail to meet their current rank's monthly requirements will be demoted one rank at month end. Demotion is limited to one rank per month.

SHAREDMARGIN reserves the right to adjust rank qualification criteria with reasonable notice to members.

7. Digital Wallet and Withdrawals

All earned cashback and override credits are held in each member's digital wallet. Wallet balances are denominated in the local currency of the member's registered territory.

Members may withdraw their wallet balance via their configured withdrawal method, subject to minimum withdrawal thresholds published per territory.

SHAREDMARGIN processes withdrawal requests within the timeframe specified for each payment method and territory. Actual receipt of funds is subject to the processing times of the member's chosen payment provider.

SHAREDMARGIN reserves the right to withhold withdrawal processing pending identity verification, fraud investigation, or regulatory compliance review.

8. Merchant Obligations

Merchants participating in the SHAREDMARGIN platform agree to the following:

To provide accurate product information, pricing, and inventory data on their storefront.

To honour all purchases made by Affiliates and Patrons through the SHAREDMARGIN platform at the prices displayed at time of purchase.

To configure Business Volume and Point Value percentages that meet or exceed SHAREDMARGIN's published minimum standards where the Fair Value Badge is sought.

To maintain their storefront in accordance with SHAREDMARGIN's merchant guidelines, including product listing standards and customer service expectations.

To pay all applicable platform fees as invoiced by SHAREDMARGIN.

The one-time setup fee is non-refundable once the merchant storefront has been configured and made live.

9. Prohibited Conduct

Members and merchants may not engage in the following:

Providing false or misleading information during registration or at any time while using the platform.

Creating multiple accounts under different identities.

Artificially inflating transaction volumes through fictitious or circular purchases.

Recruiting members through misrepresentation of the SHAREDMARGIN reward structure or earning potential.

Using the platform for money laundering, fraud, or any illegal purpose.

Attempting to circumvent the platform's security, reward computation, or payment systems.

Harassing, threatening, or engaging in discriminatory conduct toward other members, merchants, or SHAREDMARGIN staff.

Violation of these prohibitions may result in immediate account suspension, forfeiture of wallet balance, and referral to relevant authorities.

10. Continuity Provision

Members who have been active for a minimum of three months may designate a beneficiary to inherit their wallet balance and network position in the event of their death.

Continuity claims must be submitted within 90 days of the member's death, accompanied by a certified death certificate and the claimant's identity documentation.

Wallet balance transfers are subject to local estate and probate laws in the relevant territory. SHAREDMARGIN will process verified claims within the timeframe specified in the Continuity Claims policy.

Network position inheritance is subject to verification that the claimant matches the designated beneficiary on record at the time of the member's death.

11. Limitation of Liability

SHAREDMARGIN provides the platform on an "as is" basis. While we make every effort to ensure continuous and accurate operation, we do not warrant that the platform will be uninterrupted, error-free, or free from technical issues.

SHAREDMARGIN's liability to any member or merchant for any claim arising from use of the platform is limited to the value of that member's wallet balance at the time of the claim.

SHAREDMARGIN is not liable for losses arising from: network downtime, payment provider delays, currency fluctuations, regulatory changes, or any circumstances beyond our reasonable control.

12. Termination

Members may close their account at any time by contacting support@sharedmargin.com. Upon account closure, any wallet balance above the minimum withdrawal threshold will be disbursed to the member's configured withdrawal method.

SHAREDMARGIN may suspend or terminate any account that violates these Terms and Conditions, engages in fraudulent activity, or poses a risk to the platform's integrity or other members.

Upon termination, the member's downline network is reassigned to the terminated member's upline sponsor. Override earnings from that network cease immediately for the terminated account.

13. Governing Law

These Terms and Conditions are governed by the laws of Barbados for members registered in Barbados and the Caribbean territories, and by the laws of Kenya and Ghana respectively for members in those territories.

Any disputes arising from these terms or from use of the SHAREDMARGIN platform shall be subject to the jurisdiction of the courts of the relevant operating territory.

14. Contact

For questions about these Terms and Conditions, please contact us at:

Email: compliance@sharedmargin.com Address: SHAREDMARGIN, Bridgetown, Barbados

These Terms and Conditions should be read alongside the Privacy Policy. Together they govern your use of SHAREDMARGIN.