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Terms of Use and Privacy Statement

By joining our affiliate program you agree to:

- Only use marketing materials agreed upon or provided by Lumen
- Not make any claims or provide any information about Lumen that can not be found on our website or that we have provided you with
- Not place Lumen ads on any site/social channel that is different than the ones you provided in your application without written consent

Additionally, you agree to present proof of how you are promoting Lumen, if asked to do so. If you do not provide this we reserve the right to withhold funds.

Other traffic restrictions:

- No incent
- No rebroke
- No pop traffic 
- No adult traffic 
- No Coreg
- No survey
- No coupon/ voucher sites
- No SMS traffic 
- No search traffic
- No retargeting
- No SEM/ Media buy
- No Cashback 
- No Loyalty programs
- Email - only with prior approval of the text/creative

Terms & Conditions

Your obligations 
These terms and conditions (“Terms”) are applicable to your participation in the Lumen Affiliate Program (“Program” or “Affiliate Program”). This is a binding legal agreement (“Agreement”) between you (the “Affiliate”, “You” or “Your”) and Lumen  (“Lumen”) with its corporate seat in Tel Aviv, Israel  and address  30 Ha'arbaa Street Tel Aviv

Parties shall hereinafter also be referred to individually as the “Party” and jointly as the “Parties”. 

1. General 
1.1. As an Affiliate, You will generate sales by directing traffic from your website or platform to the Lumen website, href, and its subdomains and referring potential users to Lumen. 
1.2. In order to accurately keep track of all leads and traffic to Lumen You generate from Your website or social media platform, You will need to use tracking links provided by Lumen on the affiliate platform for all Lumen-related outings. You can request more tracking links in addition to the links that come with the offer(s) by sending an email to
 1.3. The maintenance and the updating of your website and/or platform is Your responsibility. Lumen may monitor your activities, website and platform to ensure that it’s up-to-date. Based on this monitoring, we may notify you of any changes that could enhance your performance. You will cooperate with Lumen to review your activities as part of the Affiliate Program. 
1.4. You may only use Lumen-creatives and designs explicitly provided or approved by Lumen. You may not use Lumen branding on Your website, platform or in your messages, except for branding that has been provided by Lumen. Lumen retains the right to demand that certain creatives and designs be taken down if they are not in line with the regular Lumen branding. 
1.5. You will act in line with all applicable laws as well as all relevant codes of conduct, practices and procedures relevant to the financial industry. 
1.6. You may not use Lumen tracking links provided by Lumen for any purpose other than allowed in the Terms or any applicable laws. 
1.7. These Terms do not constitute an employment agreement or partnership agreement between You and Lumen. 
1.8. You may not compete with Lumen for keywords in possession or in the interest of Lumen. This includes, but is not limited to, keywords in popular search machines, such as Google and Bing. Lumen reserves the right to decide which keywords are in its interest. These keywords include, for example, any keyword including the term ‘Lumen’ and misspellings Of 'Lumen' . 
1.9. Please ensure that third parties do not get the impression that Your content is official Lumen content. Whether or not this is the case is to be decided by Lumen. Also, ensure that all content relating to Lumen contains accurate and up-to-date information and does not contain any (spelling) errors. 
1.10. Affiliates who wish to promote Lumen via third parties will be classified as Networks. Networks are directly responsible for the materials, methods and channels of advertisement of their third party affiliates. Networks are not allowed to offer a higher CPA to their third parties than the CPAs indicated in Annex 1 of this Agreement.
1.11. By creating content for Lumen you agree that Lumen may use your created content as marketing materials, for social and advertising purposes. 

 2. Compensation 
2.1. As a Lumen Affiliate, Lumen will compensate you in accordance with the Payout Details from Annex 1 for generating leads by directing traffic from your website or platform to the Lumen website and its subdomains and referring potential users to Lumen. 
2.2. Please refer to the Payout Details for the exact details regarding compensation. The Payout Details can be found in Annex 1.
2.3. Bonuses will be paid in accordance to email agreement with Lumen team members. Content must be reviewed prior to posting and payment will be completed after the last deliverable has gone live.

3. Confidentiality 
3.1. You will treat any information received from Lumen relating to Lumen’s business and software with full confidentiality, both during and after termination of this Agreement. 
3.2. Such information may not be disclosed, in full or in part, to any other person, firm or organization without prior written authorisation from Lumen. You may use such information only when performing your obligations under this agreement. 
3.3. Upon termination of this Agreement, you will remove all such information from non-Lumen systems and destroy any copies thereof within 48 hours after termination. 

4. Intellectual Property 
4.1. Lumen retains full ownership of all its intellectual property rights, registered or unregistered, or any other protection of a similar nature. 
4.2. For the term of this Agreement, Lumen grants You a non-exclusive, royalty free license to use its trademarks in the execution of this Agreement, as long as they are used in accordance with Lumen’s branding guidelines and instructions. This license can be revoked by Lumen at any time and shall automatically end in case this agreement is terminated for whatever reason. 

5. Protection of Reputation 
5.1. You will take no action which is intended to or which can reasonably be expected to disparage or harm Lumen or its reputation or which would reasonably be expected to lead to unwanted or unfavorable publicity for Lumen. This includes, but is not limited to, not posting content that (i) is illegal, (ii) infringes upon the personal rights or intellectual property of any third party, or (iii) is harmful, sexually explicit, harassing or promotes violence, discrimination or otherwise contains materials that could reasonably be considered objectionable. 

6. Penalty 
6.1. In case of a violation of provisions 3, 4 or 5 of this Agreement, You will, upon a written notification from Lumen containing evidence of such violation, be liable for 3 a penalty of €10.000 for each violation. Lumen does not have to prove any losses or damages. This provision is without prejudice to the right of Lumen to claim damages if there are grounds for doing so and does not imply full and final settlement (‘finale kwijting’). 

7. Duration and Termination 
7.1. These Terms shall take effect on the date that they are accepted by You and they shall remain valid until further notice. Both parties may terminate at any point in time. In doing so, they must adhere to a notice period of one (1) month. 
7.2. Notwithstanding provision 7.1, Lumen is entitled to terminate this Agreement with immediate effect if you violate this Agreement or are not able to meet the conditions or any of your obligations as described in this Agreement.
7.3. In case of termination of this Agreement, You must remove all content relating to Lumen and the Affiliate Program as soon as possible but in any event within 48 hours after termination. 
7.4. If any provision of these Terms proves to be invalid or void, the other provisions shall remain unaffected by this and shall remain fully effective. 

8. Amendment 
8.1. Lumen may vary or amend these terms at any time by giving you notice to your email associated with your affiliate account. If you don’t agree to such amendment or variation, you may exit this agreement with a notice period of one (1) month. By sending an email Lumen will consider it notice regardless of if it was open or red by you 

9. Limitation of liability 
9.1. In no event shall Lumen be liable to You for any losses or damages, whether indirect, incidental, special, personal or consequential, including but not limited to, loss of profits or loss of business opportunity, even if such losses or damages were foreseeable and whether or not Lumen had been advised of the possibility of these losses or damages. 
9.2. The liability of Lumen will be limited to and will not exceed the amounts paid to You by Lumen in commissions during the six months immediately prior to the claim. 
9.3. If You become aware of damages and/or losses that You want to claim from Lumen, you are required to do so within a reasonable time. Any failure to provide notice to Lumen within such reasonable time will automatically lead to Lumen not being liable. 

10. Mutual indemnification 
10.1. Each Party hereby agrees to indemnify and hold the other Party harmless from any and all claims, demands, costs, liabilities, losses, expenses and damages based on (i) any misuse by You or any party under Your control, (ii) any claim relating to your content posted in relation to this Agreement, and (iii) any failure or breach of this Agreement. 

11. Applicable law 
11.1. This Agreement is exclusively subject to Israeli law. 
11.2. The courts of Tel Aviv shall have exclusive jurisdiction in case of any dispute. 

Annex 1 - Payout Details 
1. Standard CPA Commission Structure (applies unless a separate agreement has been reached) 
CPA by percentage of the sale

2. Payment conditions 
2.1. Lumen will compensate you for each Qualified User. For a referral to be considered a Qualified User, the following conditions are met: 
2.1.1. The referred user has bought  Lumen from the site.
2.1.2. you have not breached any of the requirements or your obligations under these Terms or applicable laws. 

2.2. Furthermore, the Qualified User: 
2.2.1. is not a robot, computer script or other automated or artificial method; 
2.2.2. must complete the registration within the time-limit set by Lumen; 
2.2.3. may not later be determined by Lumen to be fraudulent, incomplete, unqualified or a duplicate. 

2.3. We reserve the right to charge back any amounts previously paid to you for the referral of Qualified Users if it is determined that the requirements mentioned in this Agreement have been breached. 
2.4. Lumen is exclusively authorized to determine if a Qualified User has successfully been registered. This may not be manipulated by any means.

3. Payment terms 
3.1. Payouts will be made monthly with a 10-day locking period and a payment term of fourteen (14) days. 
3.2. You are responsible for keeping Your billing information updated on the Lumen Affiliate platform. 
3.3. After Lumen has determined the amount that is to be paid out to You in correspondence with article 2 of this Annex, Lumen will send an invoice to You. If you wish to dispute the invoice, you must do so within 14 days of the date on the invoice. If You do not dispute the invoice, you hereby agree that you irrevocably waive any claims based upon that invoice.
3.4. You must send content for review to the Lumen team if you are getting paid a bonus for creating that specific content.

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