Affiliate Programme – Terms and Conditions
Last updated: March 2026
Background
We are Inclusive Finance Limited t/a ‘Creditspring’. We are authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 786052), company number: 10522518, and registered office address: 86-90 Paul Street, London, England, EC2A 4NE.
These Terms. By joining the Creditspring Affiliate Programme, you accept the Terms set out below, which become effective from the date you accept the Programme offer (the Programme Commencement Date) via the Affiliate Network.
Publisher Goal. You, the Publisher, must use reasonable efforts to market and promote the Creditspring Products by publishing the Content on your Website in accordance with the Terms, so as to generate the maximum number of new Customers from the Campaign.
Publisher Obligations. In addition to the obligations set out in the Terms below, although the Publisher is not responsible for tracking new Customers, the Publisher is responsible for operating and maintaining the Publisher Website (including the proper integration of any links into the Affiliate Network) and all materials, including the Content, which appear on it.
Promotion Guidelines. Appendixed to the Terms are a set of Promotion Guidelines which are mandatory and must be followed by the Publisher when promoting the Products. These Promotion Guidelines form part of the legally binding Terms between us.
Terms
1. Definitions
In these Terms, unless the context otherwise requires:
- “Affiliate Network” or “Network” means AWIN Ltd.
- “Affiliate Network Agreement” means the affiliate marketing advertiser contract between Creditspring and the Network from time to time.
- “Campaign” means Creditspring's Product promotion and marketing activities, as communicated by Creditspring to the Publisher via the Network Interface or otherwise in writing (including via email) from time to time.
- “Commission” means the fees payable to the Publisher for Eligible Customer Actions, as such fees are specified in the Campaign and on the Network Interface, and determined by the Affiliate Network Agreement.
- “Content” means all promotional, editorial, advertising or marketing content created by Creditspring (or created by Publisher and approved by Creditspring), which is published by the Publisher on the Publisher’s Website in connection with the Campaign.
- “Customer” means an individual consumer residing in the UK who may view Content, and may or does apply for, and may be approved for, a Creditspring Product.
- “Eligible Customer Actions” means the actions the Customer is required to take in order for Commission to become payable, as such actions are defined in the Campaign and determined by the Affiliate Network Agreement.
- “Network Interface” means the website or application hosted and provided by the Network which allows Creditspring and the Publisher to communicate in relation to the Campaign.
- “Product” or “Creditspring Product” means a product, service or equivalent offered by Creditspring from time to time.
- “Publisher” means any third‑party publisher, website operator, content creator or other marketing partner introduced to Creditspring via the Network who Creditspring approves to promote Creditspring’s Products under these Terms.
- “Publisher(‘s) Website” means the Publisher’s website(s), application or service operated by a Publisher to market advertisers or their products, and on which it publishes the Content for the Campaign for Creditspring.
- “Regulatory Requirements” means all applicable laws and rules including but not limited to the Financial Services and Markets Act 2000 (FSMA), Consumer Credit Act 1974 (CCA), Financial Conduct Authority (FCA) Handbook (including CONC, PRIN and GEN), UK GDPR, Data Protection Act 2018 (DPA), and the Advertising Standards Authority (ASA)CAP Codes.
2. Publisher Appointment, Obligations & Restrictions
2.1 Creditspring appoints the Publisher, via the Network, as a non‑exclusive marketing partner, solely to promote Creditspring's Products using the approved Content in accordance with these Terms.
2.2 In accepting this appointment you agree to comply with all Regulatory Requirements applicable to your activities hereunder, including without limitation the FCA Handbook and the rules that are relevant to a promoter of financial products.
2.3 Creditspring is authorised and regulated by the FCA and is permitted to carry on certain regulated activities in the UK. The Publisher is not permitted to undertake any regulated activities or provide financial advice to any Customer on Creditspring’s behalf, save for the promotion of Content according to the Campaign and these Terms.
2.4 The Publisher agrees to promote Creditspring’s Products to Customers for the purposes of Creditspring providing certain of its products and services to those Customers. To facilitate this, Creditspring shall provide the Publisher with Content to promote to potential Customers, subject always to these Terms.
2.5 You undertake at all times to comply with all Regulatory Requirements in full including, without limitation, identifying a legal basis for contacting potential Customers and promoting the Content.
2.6 In accordance with the provisions of Article 33B of FSMA (supported by the Guidance in the FCA Handbook at PERG 5.6.4B G) you warrant and represent that your appointment is limited to:
the provision of information to your Customers about Creditspring’s Products, where the provider of the information does not take any step other than the provision of information to assist in the conclusion of a contract;
for the avoidance of doubt, the information to be passed to the potential Customer is to be limited to factual information only, that contains no element of advice, inducement, or recommendation, and will not involve any advertising or any other form of financial promotion regarding Creditspring or its Products unless it is approved Content.
2.7 Nothing in these Terms authorises you, and you agree not to undertake any other credit broking or other regulated activity in relation to any Products, save as expressly permitted above and you agree that, save as permitted above, you will not advise upon, arrange or assist in the administration or performance of any contract and/or collect any client money or any assets on behalf of Creditspring.
2.8 You undertake to not do anything which will or is likely to damage the reputation and/or goodwill of Creditspring.
2.9 Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship. The Publisher acts solely as an independent contractor.
3. Commission & Payment
3.1 Commission is payable only in accordance with the Affiliate Network Agreement, for introductions made by the Publisher to Creditspring of Customers who have completed and/or fulfilled the Eligible Customer Actions.
3.2 Creditspring reserves the right to:
reject any Customer application for any reason; and
withhold Commission where fraudulent, misleading, non-compliant, or incentivised traffic has been generated.
3.3 Payment will be made through the Network in accordance with the Network’s billing processes and as determined by the Affiliate Network Agreement.
3.4 Creditspring may amend Commission rates by giving notice to the Publisher via the Network Interface or by direct email to the Publisher. Continued promotion of the Campaign by the Publisher constitutes acceptance of amended Commission rates.
4. Confidentiality
4.1 The Publisher must keep all non‑public information it receives from, or accesses about Creditspring confidential and may not disclose it except: (i) if required by Regulatory Requirements; or (ii) to its employees, officers, representatives or advisers who need to know such information for the purposes of exercising its rights or carrying out its obligations under or in connection with these Terms (the actions or omissions of which the Publisher shall remain liable).
4.2 Confidential information includes all information concerning the business, affairs, technology, products, services, customers, clients or suppliers of Creditspring and its affiliates.
5. Intellectual Property
5.1 All Creditspring trade marks, logos, trade and company names, Content and other brand assets and intellectual property rights remain the exclusive and proprietary property of Creditspring and its licensors, as applicable.
5.2 The Publisher receives a revocable, limited, non‑exclusive, non‑transferable, non-sublicensable, royalty-free licence to use such assets solely for the Campaign.
5.3 All Content (including any proposed incentives for Customers, such as cashback) must be submitted to Creditspring for prior written approval before publication.
5.4 Creditspring may in its sole discretion instruct (directly via email or via the Network or the Network Interface) the Publisher to amend or remove any or all of the Content on and/or from the Publisher’s Website at any time. The Publisher must comply with such request promptly and in any event, within 7 business days of the date of the request.
5.5 The Publisher must not at any time:
Engage in paid search bidding on restricted keywords, brand names or misspellings without written approval.
Use spam, unsolicited emails, or ad‑fraud practices.
Generate artificial traffic to Creditspring’s website, such that Customer numbers are higher than they should be.
Misrepresent Creditspring, its products or lending criteria.
Use comparison claims or hypothetical loan outcomes not approved by Creditspring.
6. Warranties
The Publisher warrants and represents that:
it has full power to enter into these Terms; and
its contributions to the Content (to the extent the Publisher has created any or all of the Content) are original, lawful, and non‑infringing.
7. Liability
7.1 The Publisher is fully responsible for operating the Publisher Website, its marketing practices, participating in the Campaign and compliance with Regulatory Requirements.
7.2 Creditspring is not liable for any indirect or consequential loss suffered by the Publisher.
7.3 Nothing in these Terms limits liability for personal injury, death, fraud or fraudulent misrepresentation.
7.4 We are responsible for all approved Content and materials Publisher promotes on Publisher Website.
7.5 We and you warrant that all actions taken under these Terms and the Content are compliant with our own respective obligations in relation to the Regulatory Requirements.
8. Indemnity
The Publisher indemnifies and holds harmless Creditspring and its officers, employees, and agents from all losses, fines, claims, penalties, damages, and expenses arising from:
non-compliant, misleading, or unlawful Content (outside of what has been approved by Creditspring or in breach of these Terms) or mis-use of Content;
breach of Regulatory Requirements;
use of unapproved promotional materials.
9. Termination
9.1 Creditspring may terminate any or all Campaign(s) under the Creditspring Affiliate Programme at any time on written notice to the Publisher via the Network, or the Network Interface, or directly via email to the Publisher.
9.2 The Publisher may opt out of the Creditspring Affiliate Programme and the agreement under these Terms on at least 14 business days written notice to Creditspring directly via email, or the Network or the Network Interface.
9.3 Upon any termination of a Campaign(s) or a Publisher’s participation in the Creditspring Affiliate Programme, the Publisher must:
immediately remove all Content (relating to that Campaign or completely, depending on the circumstances of termination), from the Publisher Website;
promptly cease use of Creditspring intellectual property rights (including the Content, Creditspring’s name, logo and other intellectual property, as applicable);
promptly return or delete/destroy (at Creditspring’s sole option) all copies of all confidential information (including any personal data) supplied by, or received/accessed about Creditspring;
promptly cease all marketing activities (including promotion of the Content for the Campaign(s), as applicable) relating to Creditspring.
10. Changes to these Terms
10.1 Creditspring may update or amend these Terms from time to time by publishing a new version on the Network Interface. Creditspring will notify the Publisher at least 7 days in advance of updates via the Network Interface.
10.2 The Publisher's continued participation in the Creditspring Affiliate Programme after the date of any such update to the Terms constitutes the Publisher’s acceptance to be bound by the updated terms.
10.3 If the Publisher does not agree with any proposed update to these Terms, the Publisher must notify Creditspring in writing immediately, and unless otherwise agreed with Creditspring, remove any Content from the Publisher’s Website promptly following such notice.
11. Governing Law & Jurisdiction
11.1 These Terms and any non‑contractual obligations arising out of or in connection with them shall be governed by the laws of England and Wales.
11.2 The English courts shall have exclusive jurisdiction.
Appendix 1: Promotional Guidelines
These guidelines are for information purposes only. All promotions and Content (including incentives) must be approved by Creditspring prior to being published on the Publisher’s Website.
A. Financial Promotions Requirements
Creditspring will ensure all promotions:
where required, include a representative APR and example. The Publisher must ensure that the representative APR example is shown clearly and prominently when published on its Website as part of the approved Content.
do not guarantee acceptance or imply eligibility.
do not emphasise speed or ease of credit in a misleading way.
include all mandatory regulatory disclosures.
use only approved banners, copy, and imagery.
B. Example Representative APR Statement
Creditspring’s representative example is typically set out as follows:
“Representative Example: Total amount of credit £600. Membership Fee (Total cost of credit:) £120, payable in 12 monthly payments of £10. Interest rate 0% p.a (Fixed) Representative 83.1% APR.”
C. Prohibited Claims
The Publisher is solely authorised to share approved Content with its Customers. The Publisher must not provide any additional information or advice about our Products.
D. Use of Logos and Brand Assets
Only approved assets provided by Creditspring may be used. No alteration, resizing distortion, or colour changes may be made to assets used. If alternative sizes are required, the Publisher should reach out to the Creditspring team directly via email.
E. Search & Social Advertising Rules
Unless expressly approved in writing:
No bidding on brand keywords.
No use of Company brand in social handles or display names.
No direct linking from PPC ads to loan application pages.
