Partner Referral Agreement
This agreement governs referral arrangements between Upcapital Global FZCO (“Bankz”), signed by Ashik Karim, and the partner (“you”). It is entered into when you e-sign it during onboarding. Notices to Bankz: ashik@theupcapital.com.
You set your price per lead type
Each partner sets its own price (per qualified, consented lead) at or above a published floor. Price never affects ranking.
| Open a personal account (individual) | from $25 / lead |
| Credit card (individual) | from $40 / lead |
| Open a business account (business) | from $60 / lead |
| Business loan / lending (business) | from $80 / lead |
| Merchant / payment processing (business) | from $50 / lead |
| FX / international payments (business) | from $40 / lead |
| Mortgage / home loan (individual) | from $120 / lead |
| Private banking / wealth (individual) | from $200 / lead |
Terms
1. Parties & nature of service
This agreement is between Upcapital Global FZCO ("Bankz"), signed by its authorised signatory Ashik Karim, and the partner ("you"). Bankz operates an information, comparison and introduction service. Bankz acts as an introducer and publisher only. Bankz is NOT a bank, broker, lender, deposit-taker, payment institution or financial, legal or tax adviser, does NOT provide advice, and does NOT execute or facilitate any transaction or transfer of funds. Bankz introduces and informs only.
2. Your licences & regulatory status (your responsibility)
You represent and warrant that, for every market and product for which you accept leads, you hold and will maintain all licences, authorisations, registrations and permissions required by law (including, where applicable, FCA authorisation or appointed-representative status and s.21 financial-promotion approval in the UK; the relevant CBUAE arrangement/licence in the UAE; and all US federal and state requirements). You will not accept leads for any product/market where paid referral is prohibited (for example, US mortgage referrals under RESPA §8). You are solely responsible for your own regulatory compliance.
3. Consent, data protection & lawful contact
Leads are shared only with the user’s explicit consent, limited to the fields the user approved, together with a timestamped proof-of-consent record. On receipt you act as an independent data controller and will process personal data lawfully under all applicable law (UAE PDPL, EU/UK GDPR, and equivalents), and will comply with all marketing and contact laws (including TCPA/express-written-consent for calls and texts and CAN-SPAM). You will not resell, repurpose, or over-collect the data.
4. No pay-to-rank (binding)
Fees and billing buy a labelled listing and consented, fit-matched introductions only. They never change your Bankz Trust Score™ or organic ranking. This is a binding, product-enforced term.
5. Honest data & labelling
You warrant that all product data you supply is accurate and not misleading; every figure may be independently verified. Paid placement is clearly labelled. Misleading data is a material breach.
6. Fees, pricing & billing
You set your own price per lead type at or above the published floor. Charges draw down from a prepaid balance (or agreed terms). No lead is routed or billed until (a) this agreement is signed, (b) billing/prepaid balance is active, and (c) Bankz has approved your account. Invalid, non-consented, duplicate or mis-matched leads are creditable within the stated return window.
7. Representations & warranties
You represent and warrant that you are duly authorised to enter this agreement; you will comply with all applicable laws; your products and marketing are lawful and not misleading; and you will honour the consent basis on which each lead was shared.
8. Indemnification
You will indemnify, defend and hold harmless Upcapital Global FZCO, its affiliates, officers and staff from and against any and all claims, losses, liabilities, fines, penalties and reasonable costs (including legal fees) arising out of or relating to: your handling, contacting or marketing to any lead; your regulatory status or breach of any law; your products or services; or any breach of this agreement.
9. Limitation of liability
Everything is provided “as is”. To the maximum extent permitted by law, Upcapital Global FZCO excludes all implied warranties and is not liable for any indirect, incidental, special or consequential loss, or loss of profit, data or goodwill. Bankz’s total aggregate liability under this agreement is capped at the fees you paid to Bankz in the three (3) months preceding the event giving rise to the claim.
10. Compliance, anti-bribery & sanctions
Each party will comply with applicable anti-bribery, anti-money-laundering and sanctions laws. You are not, and will not accept leads on behalf of, any sanctioned person or entity.
11. Term, suspension & termination
Either party may terminate on notice. Bankz may suspend or terminate immediately for breach, misleading data, poor responsiveness, regulatory concern, or risk to users — without liability. Accrued payment obligations survive.
12. Governing law & dispute resolution
This agreement is governed by the laws of the Dubai International Financial Centre (DIFC), United Arab Emirates. The parties will resolve disputes by good-faith negotiation and then by binding arbitration seated in the DIFC, rather than litigation, to the extent permitted by law. Notices to Bankz go to ashik@theupcapital.com.
13. General
This is the entire agreement and supersedes prior discussions. If any provision is unenforceable, the rest remains in force. Nothing creates a partnership, agency or joint venture; the parties are independent contractors.
A typed electronic signature, captured with explicit consent, an authority attestation and a timestamped audit record, constitutes a valid, binding signature. Signing does not activate an account: applications are reviewed manually and no lead is routed or billed until approved and billing is active. Ready to apply? Start your application. © 2026 Upcapital Global FZCO.