Version BANKZ-PRA-2026.1 · operated by Upcapital Global FZCO

Partner Referral Agreement

This agreement governs listing and referral arrangements between Upcapital Global FZCO (“Bankz”) and the partner (“you”). It is entered into when you e-sign it during onboarding. Standard, identical terms apply to every partner.

Standard referral rates

Business / personal accounts	CPA · $80–$250 per funded account
Business loans & lending	Rev-share · 0.5%–2.0% of funded amount (or $200–$1,000 CPA)
Mortgages & home loans	Fixed referral · $300–$1,500 per completion (or 0.2%–0.5% of loan)
Merchant / payment processing	Rev-share · 10%–20% of net processing margin
FX & international payments	Rev-share · 5–15 bps of FX volume
Credit cards	CPA · $50–$300 per approved card
Private banking / treasury / wealth	Fixed referral · $500–$10,000+ per qualified introduction

Terms

1. Standard market rates

Referral fees are the published standard rates for your category — the same for every partner. No pay-for-ranking, ever.

2. No pay-to-rank (binding)

Referral fees and billing buy you a labelled listing and routed introductions only. They never change your Bankz Trust Score™ or your organic ranking. This is a binding term, enforced in product.

3. Labelling & honesty

Any paid placement is clearly labelled “Sponsored/Featured”. You agree not to provide false or misleading product data; every figure you submit is sourced and may be independently verified.

4. Lead handling & data (PDPL/GDPR)

Leads are shared only with the user’s explicit consent, limited to the fields the user approved, for the purpose of the introduction. You agree to process personal data lawfully under UAE PDPL / EU GDPR and not to re-sell or repurpose it.

5. Regulatory routing

Financial-product referral is regulated in many markets. Where required (e.g. UAE, UK, EU), referrals are routed only to appropriately licensed entities / desks, and Bankz acts as an introducer, not an adviser or broker. Bankz does not execute transfers or give advice.

6. Billing & payout

A valid billing method must be active before any lead is routed or payout made. Referral fees are reconciled and auditable both ways. Two-sided ratings (lead quality ↔ responsiveness) feed pricing and ranking of responsiveness.

7. Gate

No lead, placement, routing or payout occurs until (1) this agreement is signed and (2) billing is active. Enforced in product, not just contract.

8. Term & termination

Either party may terminate on notice. Misleading data, poor responsiveness, or breach of the trust terms above are grounds for immediate removal.

9. Governing law & signature

Governed by the laws of the United Arab Emirates as applicable to Upcapital Global FZCO (Dubai Silicon Oasis), without prejudice to mandatory local law in your jurisdiction. You agree that a typed electronic signature, captured with explicit consent, an authority attestation and a timestamped audit record, constitutes a valid and binding signature.