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Introduction: These terms and conditions ("Terms") govern the relationship between Puma Leads, LLC, an Ohio limited liability company (mailing address 6545 Market Ave. North, Suite 100, North Canton, OH 44721) ("Puma Leads," "we," or "us") and you, the publisher ("Publisher" or "you") in connection with your participation in Puma Leads' affiliate program for lead generation offers ("Affiliate Program").

By enrolling in the Affiliate Program, you agree to rely solely on this Agreement in making your decision. You also confirm that you are not relying on any representation, guarantee, or statement other than what is stated in these Terms. For any Insertion Order (IO) to be legally binding, it must be accepted in writing by Puma Leads at its own discretion. Any IO submitted by or to Puma Leads will be considered as part of these Terms, but in case of any conflicts, these Terms will take precedence.

Electronic Signatures: By clicking on the button labeled "I Agree" or "Accept" or "Submit" on Puma Leads, the publisher is agreeing to enter into a legally binding contract and is giving a legally binding electronic signature. This means that the publisher's electronic submissions, such as clicking the button, counts as a legally binding agreement. The publisher also agrees to use electronic signatures, contracts, and records for any transactions made through the software or services offered by Puma Leads, and waives any rights that may require an original signature or non-electronic records in any jurisdiction.

Eligibility: To participate in the Affiliate Program, you must be at least 18 years of age and able to form legally binding contracts under applicable law.

Joining the Affiliate Program: To join the Affiliate Program, you must complete the online application process and be accepted by Puma Leads. Puma Leads reserves the right to accept or reject any application for any reason.

Obligations: As a publisher, you will be responsible for promoting Puma Leads' lead generation offers through your website, social media, email marketing, or other approved channels. You will also be responsible for ensuring that all leads generated through your promotions are valid and comply with Puma Leads' terms of service and privacy policy.

Payment: Puma Leads will pay you a commission for each valid lead generated through your promotions that ends up generating revenue for Puma Leads. The commission rate will be determined by Puma Leads and may vary depending on the offer, historical lead quality, and the volume of leads generated. Payment will be made on a monthly basis. Payments will be made to Publisher provided that the Publisher account has reached a minimum of one hundred dollars ($100.00) ("Payment Threshold") in accrued revenues. Where an account has not reached the Payment Threshold, the amount due to Publisher will continue to roll over to the next month until an amount equal to or greater than the Payment Threshold has been reached.

Puma Leads shall not be responsible for paying the Publisher on any eligible leads where (a) leads delivered by the Publisher comprise of consumers that have previously registered for, opted-in to and/or are already a member or customers of Puma Leads’s partners, (b) are generated using fraud, incentivized marketing or otherwise in violation of the restrictions contained herein, or (c) the e-mail recipient did not opt-in to receiving e-mail marketing from Publisher. Puma Leads will not pay Commissions on any billings (1) that occur before Publisher is accepted into the Publisher Program and (2) that occur after the termination of these Terms. Puma Leads will pay no Commissions to the Publisher unless Puma Leads has documentation to support such Commissions. Puma Leads may require Publisher to provide a W-9, or similar tax identification information, as a condition precedent to receiving any payments. Puma Leads reserves the right to withhold and/or cancel payments due and owing to the Publisher in its sole discretion when Puma Leads believes the Publisher is in breach of any term of these Terms. All payments due to Publisher will be paid in US dollars. Publisher shall pay any and all taxes due to all taxing authorities arising from, or in connection with, Publisher’s participation in the Publisher Program. Without limiting the foregoing, Publisher agrees and acknowledges it shall be fully responsible for any and all taxes, whether state or local, and related fees, costs, and penalties incurred by Puma Leads and/or its partners in relation to Publisher’s activities.

Sub-Publishers: Any business partners or associates of the publisher that participate in or perform any activities for the publisher as a part of the Publisher Program will be considered "Sub-Publishers." All Sub-Publishers must be pre-approved in writing by Puma Leads. It is the publisher's responsibility to request such approval. Puma Leads reserves the right to deny or revoke approval of any Sub-Publishers at any time and without prior notice. Sub-Publishers must meet the same criteria and comply with the same terms and conditions as the publisher outlined in these Terms. The publisher will be held jointly and severally liable with the Sub-Publishers for their actions or omissions. Puma Leads can revoke the publisher's participation in the Publisher Program or terminate these terms based on the actions or omissions of the Sub-Publishers. Puma Leads reserves the right to take legal action if the publisher or its Sub-Publishers fail to comply with these terms.

The publisher agrees to indemnify, defend and hold Puma Leads and its directors, officers, shareholders, employees, agents, and publishers harmless from any third-party actions, claims, liabilities, damages, losses, and expenses, including reasonable attorney fees and costs, arising from or related to the acts, errors, or omissions of the publisher, its Sub-Publishers, or any third party acting on their behalf, in connection with the performance of their obligations under these terms, any applicable IO, or any breach of these terms.

Prohibited Activities: You will not engage in any activities that violate any laws or regulations, or that in any way harm Puma Leads' reputation or the reputation of its partners. You will also not engage in any activities that infringe on the intellectual property rights of Puma Leads or its partners.

Lead Quality Guidelines: Puma Leads LLC (Puma Leads) is dedicated to providing high-quality leads. In order to ensure this, Puma Leads will only pay for leads that meet all relevant laws, these Lead Quality Guidelines, and are not obtained through fraudulent practices.

A valid lead is a lead with complete and accurate information and must come from real individuals who are genuinely interested in the offer. Puma Leads will only pay for valid leads that comply with the following Lead Quality Guidelines.

• Leads must not be generated through computer programs, robots, or other automated, artificial, or fraudulent methods.
• Leads must not be entered by anyone other than the consumer named in the lead, unless Puma Leads gives prior consent and approval.
• Leads must not contain false, incomplete, or inaccurate information.
• Leads must not be from people who are not interested in the offer or have been misled into submitting their information.
• Leads must not be duplicates (same contact information within the past 30 days).
• Leads must not be incentivized unless Puma Leads gives prior written authorization.
• Leads must not be obtained using misleading or confusing language.
• Leads must not be generated through websites or offers that promote offensive or prohibited content unless Puma Leads gives prior written authorization.
• Leads must be sold exclusively to Puma Leads and not to other buyers unless Puma Leads gives prior written consent.
• Leads must not be misclassified.
• Consumers must be 18 years or older.
• Leads obtained through online classified ads must not be misleading.
• Lead generation methods must comply with the terms of use and privacy policy of the website or internet service provider used.
• Leads must not be obtained through infringing or fraudulent practices.

If Puma Leads finds out that it has paid for leads that don't meet the guidelines or were created through illegal means, the company has the right to ask for the money back. They may also choose to hold back on paying for future leads until the invalid or fraudulent leads have been paid back.

TCPA Compliance: The Publisher must fully comply with the Telephone Consumer Protection Act (TCPA) for all marketing activities that may result in telemarketing calls, text messages, SMS messages or other activities governed by the TCPA, whether from Puma Leads or any Advertiser. It is solely the Publisher's responsibility to understand and comply with the TCPA. In addition to any other requirements of the TCPA or any implementing regulations, the Publisher must obtain prior express written consent from consumers to accept telemarketing calls and SMS marketing messages from Puma Leads LLC and its Advertisers or other entities as specified by Puma Leads. Consent cannot be a condition of a purchase. Without limiting the foregoing, if the Publisher uses its own websites or forms to generate leads or to encourage a purchase or other consumer activity, the Publisher must immediately provide, upon request: (i) proof of clear and conspicuous disclosure allowing for telemarketing calls and/or SMS messages as required; (ii) evidence of the consumer's unambiguous consent to receive such calls or messages to the number provided; (iii) a copy of the website page or form containing the consent language and the fields entered by the consumer; (iv) a screenshot of the consumer's view showing any fields completed; (v) the date and time stamp of the consent given; and (vi) the consumer's IP address.

Covenants, Representations and Warranties: The publisher agrees that:

• They have the authority to enter into this agreement and it will be legally binding for them.
• They will only send commercial emails to recipients who have given them specific consent, and have not revoked that consent as of the date the email was sent.
• They will follow all relevant laws and regulations including but not limited to CAN-SPAM, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, the Federal Trade Commission Act, the Fair Debt Collection Practices Act, the Federal Communications Act, the Telephone Consumer Protection Act, and all state laws such as the California Financial Privacy Act and the Vermont Consumer Protection Act.
• They understand that Puma Leads may work with other publishers that are in direct competition with them.
• They will be responsible for the development, operation, and maintenance of their own websites and databases, as well as any materials that appear on those websites. This includes making sure the websites function properly, posting accurate and appropriate content, ensuring the websites follow all laws and regulations, and protecting the privacy of visitors to the websites.

Additionally, they are responsible for ensuring that any sub-publishers comply with the terms of this agreement, ensuring that their website has a privacy policy that complies with all laws, and ensuring that the privacy policy is clear that the website allows third parties (such as Advertiser) to serve content within its media and that the website is allowed to share any information collected therein with third parties (such as Advertiser).

In summary, the publisher is responsible for ensuring that they comply with all relevant laws and regulations and that any materials or activities related to their websites and databases are legal, accurate, and appropriate. They also agree that Puma Leads may work with other publishers that are in direct competition with them and that they will be responsible for the development, operation and maintenance of their own websites, databases, and materials. They also understand that they need to ensure that any sub-publishers comply with the terms of the agreement, ensuring that their website has a privacy policy that complies with all laws and regulations, and ensuring that the privacy policy is clear that the website allows third parties to serve content within its media and that the website is allowed to share any information collected therein with third parties.

The service provided by Puma Leads, including the publisher program, website, data, suppression lists, transaction tracking codes, and content, is provided "as is" and "as available" and any warranties, express or implied, are disclaimed. Puma Leads will not be held liable for any bugs, errors, problems, or other limitations in the service. Puma Leads will not be responsible for any indirect, special, incidental or consequential damages that may arise from the use of the service. Puma Leads makes no representation or warranty with respect to any results that may be obtained through the publisher program. Puma Leads will not be held responsible for any damages caused by the publisher program, website, data, suppression lists, transaction tracking codes, and content. The publisher is responsible for any use, or alleged use, of the publisher program, website, data, suppression lists, transaction tracking codes, and content that may infringe upon a third party’s intellectual property rights. Puma Leads will not be liable to publisher or any third party for any damages arising from the publisher's participation in the publisher program. Additionally, Puma Leads's maximum aggregate liability to publisher and any third party will be limited to the money paid by Puma Leads to publisher during the six months preceding the event giving rise to such damages.

Indemnification: Publisher agrees to protect, compensate and hold Puma Leads, its affiliates, and their respective employees, directors, partners, agents and attorneys harmless from any and all legal claims, actions, suits, damages, costs, and expenses (including reasonable attorneys’ fees, court costs, and settlement costs) arising out of or related to: (i) Publisher’s or any Sub-Publisher’s violation of this Agreement or any representation or warranty contained within it; (ii) the operation, maintenance, or content of the Publisher Websites or Publisher Database; (iii) any third-party claim of violation of any laws or regulations by Publisher or Sub-Publisher; (iv) any claim of infringement of any trademark, trade name, service mark, copyright, license, intellectual property or other proprietary right of any third party by Publisher or Sub-Publisher; (v) any goods or services offered, sold, or provided by Publisher or Sub-Publisher that are not related to Advertising Campaigns; (vi) any claim that Puma Leads must pay taxes in connection with Publisher's participation in the Publisher Program; or (vii) Publisher's or any Sub-Publisher's participation in the Publisher Program in any manner. Publisher will promptly take on the defense with a lawyer reasonably accepted by Puma Leads upon written notice from Puma Leads of such a claim. Puma Leads reserves the right to participate in the defense at its own expense. Publisher agrees not to settle any claim without prior written approval from Puma Leads. Publisher will immediately notify Puma Leads in writing if they receive notice of any complaints, inquiries or investigations related to the Publisher Websites, Publisher Database, any Sub-Publishers or any other violations of Publisher's or Sub-Publisher's business, whether or not Publisher is required to indemnify Puma Leads for such claim.

Circumvention and Non-Solication: The publisher agrees not to contact or work with any partners that participate in Puma Leads's program, for the purpose of providing similar services, during the time of this agreement and for one year after it ends. The only exception is if the publisher can prove that they had a business relationship with that partner before the agreement started.

Termination: Puma Leads may terminate this agreement at any time for any reason. If Puma Leads terminates the agreement, it will pay you any earned commissions that have not yet been paid.

Dispute Resolution: This Agreement will be enforced and interpreted according to the laws of Nevada and any disputes that may arise will be resolved through binding arbitration in Clark County, Nevada. The party that wins the arbitration or legal action will be able to recover their reasonable attorneys' fees and costs. The decision made in the arbitration will be final and binding. However, either party can still seek equitable or injunctive relief in a court. Publisher agrees that any unauthorized or unlawful use of the Publisher Program would cause irreparable harm to Puma Leads and Puma Leads will be able to seek immediate injunctive relief against the publisher without needing to post a bond. The Agreement does not limit any legal remedies available to Puma Leads. The publisher also agrees not to participate in any class action lawsuits against Puma Leads and its employees, officers, directors, members, representatives and/or assigns, and will pay for Puma Leads's attorney's fees and court costs if a lawsuit is brought. This clause does not waive the publisher's right to pursue a claim individually.

Force Majeure: The publisher agrees that Puma Leads will not be held responsible for any delays or failure to fulfill their obligations under this Agreement due to circumstances beyond their control, such as natural disasters, acts of terrorism, internet outages, or other similar events (referred to as a "Force Majeure Event"). If such an event occurs, Puma Leads will notify the Publisher and make efforts to minimize the impact.

Class Action Waiver: In case of any disputes, they will be handled individually, and neither party will seek to have the dispute heard as a class action or in any other type of representative proceeding.

Entire Agreement: These terms and conditions constitute the entire agreement between you and Puma Leads regarding your participation in the Affiliate Program and supersede all prior agreements, representations, and understandings.

Changes to the terms: Puma Leads reserves the right to make changes to these terms and conditions at any time. Your continued participation in the Affiliate Program following any changes to these terms will constitute your acceptance of such changes.

Miscellaneous: If there is something in this agreement that is found to be invalid by a court or law, it will be changed or removed to make it valid. The rest of the agreement will still be in effect and will be interpreted to keep the original intentions of Puma Leads and the publisher. Puma Leads and the publisher are not in a partnership or employment relationship and Puma Leads can take legal action against anyone who damages or interferes with the publisher program. This agreement is binding and cannot be transferred by the publisher. If the publisher tries to transfer it, the agreement will be terminated.