Last updated: 05 March 2025
These Affiliate Programme Terms of Service (“Agreement”) set out the terms on which you (“Affiliate”, “you”) may promote Rise & Shield.
“Rise & Shield” is a trading style of Optimum Global Limited (“we”, “us”, “our”).
By applying to and/or participating in the Affiliate Programme (“Programme”), you agree to be bound by this Agreement.
Rise and Shield is a trading style of Optimum Global Limited, which is authorised and regulated by the Financial Conduct Authority.
Optimum Global Limited’s Firm Reference Number is 453654. You can check these details at https://register.fca.org.uk or by calling the Financial Conduct Authority on 0800 111 6768.
Our registered address is: Optimum Global Limited, 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK.
Optimum Global Limited is registered in England and Wales. Company Registration number 05347793.
This Agreement covers only your activities as an affiliate introducing potential customers to Rise & Shield. It does not authorise you to sell, arrange, or advise on insurance.
2.1 You must submit an application via our affiliate platform or as otherwise directed. We may accept or reject any application at our sole discretion.
2.2 You must be at least 18 years old and capable of entering into a binding contract.
2.3 You must keep your contact, payment and tax details accurate and up to date in the Programme dashboard.
2.4 We may suspend or terminate your participation at any time if we reasonably believe you have breached this Agreement, acted fraudulently, or may bring Rise & Shield or Optimum Global Limited into disrepute.
3.1 You agree to promote Rise & Shield honestly, fairly and in good faith. All content you create or publish in connection with the Programme must be:
3.2 You must not:
a. make false, misleading or unsubstantiated claims about our products,
b. use spam, deceptive practices, or incentivised clicks to generate traffic or sales,
c. bid on our brand name or trademarks in search advertising without our prior written consent, or
d. use our logos, trademarks or other intellectual property except in accordance with any brand guidelines we provide or approve in writing.
3.3 You are responsible for your own websites, content, channels and marketing methods. You must ensure your sites and content:
3.4 You act as an independent contractor. Nothing in this Agreement creates a partnership, joint venture, employment or agency relationship between you and Optimum Global Limited / Rise & Shield.
4.1 You must not give, or appear to give, insurance advice. In particular, you must not hold yourself out as being authorised by the Financial Conduct Authority (FCA) or as representing Optimum Global Limited in a regulated advisory capacity.
4.2 Your role is limited to:
4.3 Where you promote Rise & Shield on your website, blog, social media or other channels, you must clearly display a disclaimer in a reasonably prominent position near your affiliate links or promotional content.
A form of wording you must use (or any updated wording we provide) is:
“Rise & Shield is a trading style of Optimum Global Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 453654). This information is for general marketing purposes only and does not constitute personal advice. Please read the policy wording and key documents carefully to ensure the cover meets your needs.”
4.4 If we provide you with any additional compliance wording, disclosures or brand guidelines, you must implement these promptly.
5.1 Commission rates, cookie periods, and qualifying criteria are set out in the Programme details (for example, within the affiliate dashboard) and may be updated by us from time to time.
5.2 You earn commission only on “Qualifying Policies”, meaning policies that:
a. are purchased by a customer who has used your valid tracking link,
b. are fully paid for (premium received by us), and
c. are not cancelled or refunded as described in clause 5.4.
5.3 Payment timing – monthly in arrears
Commissions are calculated on a calendar-month basis and are paid monthly, in arrears.
For example, commission earned on Qualifying Policies in January will normally be paid in February, subject to any minimum payout threshold and verification checks.
5.4 Cooling-off period and cancellations
a. If a traveller cancels their policy within 14 days of purchase (the cooling-off period) and receives a refund, you will not earn commission on that policy.
b. If commission has already been credited or paid to you for a policy that is later cancelled, refunded, or found to be fraudulent, we may:
5.5 We may withhold or adjust commission where we reasonably believe:
5.6 Commissions will be paid via the payment method(s) stated in the Programme details. You are responsible for:
6.1 We will provide you with unique affiliate links or tracking tools. You must use these correctly to ensure sales are attributed to you.
6.2 We are not responsible for missed or untracked referrals resulting from:
6.3 Tracking and commission totals shown in the Programme dashboard are indicative and may be adjusted to reflect cancellations, refunds, fraud checks or errors.
7.1 This Agreement starts when you are accepted into the Programme and continues until terminated by either party.
7.2 Either you or we may terminate this Agreement at any time, for any reason, by giving written notice (including by email or via the affiliate platform).
7.3 We may suspend or terminate your participation immediately if we reasonably believe you have:
7.4 On termination, you must promptly:
7.5 We may delay final commission payments for up to 90 days after termination to allow for refunds, chargebacks and the 14-day cooling-off period. Any commission that would be reversed under clause 5.4 will not be paid.
8.1 Any non-public information we provide about our business, pricing, performance or customers is confidential. You must not disclose it to any third party without our consent, except where required by law.
8.2 You must comply with applicable data protection laws when handling any personal data and must not access or process customer data beyond what is strictly necessary for your role as an affiliate.
9.1 Nothing in this Agreement limits or excludes liability for death or personal injury caused by negligence, fraud, or any other liability which cannot be excluded under law.
9.2 Subject to clause 9.1, we shall not be liable to you (whether in contract, tort, negligence or otherwise) for:
arising out of or in connection with this Agreement or the Programme.
9.3 Our total aggregate liability to you in any 12-month period shall not exceed the total commission actually paid to you under this Programme in that same period.
You agree to indemnify and hold harmless Optimum Global Limited (including its directors, employees and agents) from and against any claims, damages, losses, costs or expenses (including reasonable legal fees) arising out of or in connection with:
11.1 We may update, suspend or discontinue the Programme (in whole or in part) at any time.
11.2 We may modify this Agreement from time to time. Where we make material changes, we will notify you (for example, by email or via the affiliate dashboard).
11.3 Your continued participation in the Programme after any changes take effect constitutes your acceptance of the updated Agreement.
12.1 This Agreement, and any non-contractual obligations arising out of or in connection with it, shall be governed by and construed in accordance with the laws of England and Wales.
12.2 The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this Agreement or its subject matter.
13.1 This Agreement constitutes the entire agreement between you and Optimum Global Limited in relation to the Programme and supersedes all prior discussions or understandings.
13.2 If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
13.3 You may not assign or transfer your rights or obligations under this Agreement without our prior written consent. We may assign or transfer our rights or obligations to another suitably authorised entity.
13.4 No failure or delay by either party in exercising any right or remedy under this Agreement shall constitute a waiver of that or any other right or remedy.
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By applying to and/or participating in the Rise & Shield Affiliate Programme, you confirm that you have read, understood and agree to these Terms of Service.