Earnings Terms

COYA Earnings Programs

We offer several ways for users to earn money through COYA. Each program has its own terms and requirements. Please review the terms for the program(s) you wish to participate in.

COYA Affiliate Program

Earn commissions by referring new Sellers to join COYA or by promoting Sellers' products to buyers through unique tracking links. See Affiliate Program Terms below.

COYA Connect Program

Earn payments from Sellers by completing specific promotional tasks like sharing clips, creating content, or other marketing activities. See Connect Program Terms below.

Universal Program Requirements (applies to all programs above)

Must be 18+ years old
Must have a COYA account in good standing
Must comply with all program-specific terms
You're responsible for all applicable taxes on earnings

You can participate in multiple programs simultaneously. By participating in any earnings program, you agree to comply with all applicable terms, including our general Terms of Service and Privacy Policy.

COYA Affiliate Program Terms

Overview

The COYA Affiliate Program lets you earn money by referring people to COYA in two ways: (1) earn commissions when you refer customers who purchase from Sellers on COYA, or (2) earn commissions when you refer new merchants who join COYA as Sellers.

Who Can Join

To become an Affiliate, you must be 18 years or older and have a COYA account in good standing. You'll need to complete an application and get approved by COYA. Once approved, you'll receive a unique tracking link (your "Affiliate Link") to use in your promotions.

How You'll Earn

Refer Sellers: When someone joins COYA as a Seller through your Affiliate Link, you'll earn a percentage of COYA's revenue from that Seller for their first 6 months. After 6 months, commissions stop.

Refer Buyers: When someone purchases from a Seller through your Affiliate Link, you'll earn a commission. The commission amount is set by either COYA or the individual Seller (the "Affiliate Offer"). Commission rates can change or end at any time, and the rate at the time of purchase is what applies.

Important: You're responsible for promoting your Affiliate Link. We can't track sales if buyers don't use your link, which means you won't earn commissions for those transactions.

Your Responsibilities

Be honest and compliant. As an Affiliate, you agree to present COYA, Sellers, and their products truthfully and follow guidelines for endorsements. You must clearly disclose near your Affiliate Link that you earn commissions from purchases made through it.

Do Not Represent Yourself as the Seller. You cannot claim ownership of Products or represent yourself as the Seller. You are a promoter earning commissions on referrals only.

Keep your content appropriate. Your promotional channels must not contain copyright or trademark violations, adult or violent content, defamatory material, religious or political viewpoints, illegal content, false advertising or would otherwise violate our Community Guidelines.

Follow keyword restrictions. You cannot use paid ads (like Google Ads) with keywords like "COYA," "COYA discount," "COYA coupon," or misspellings of these terms without written approval from COYA. This applies to these keywords alone or in combination with other terms.

Using COYA's Trademark

We give you limited permission to use the "COYA" trademark in your promotions in the United States for promoting the Affiliate Program. You must follow any usage guidelines we provide here, and we can revoke this permission at any time.

Taxes & Expenses

Each of us pays our own taxes. You're responsible for any costs you incur as an Affiliate, and COYA won't reimburse you for promotional expenses.

Our Relationship

You're an independent contractor, not an employee. This agreement doesn't create a partnership, joint venture, or employment relationship.

Ending Your Participation

We can end your participation if you violate these Terms, if we decide to end the Affiliate Program, or for any reason at any time. You can end your participation anytime by notifying us.

When participation ends, you must immediately stop representing yourself as a COYA affiliate, remove all promotional materials, stop using your Affiliate Link, and stop using COYA trademarks. Commissions stop immediately upon termination.

Final payment: We'll pay you for qualified transactions within 30 days of termination. You must keep your account open for 60 days to receive final payment. If you violate these Terms, we may withhold or clawback payments from your COYA Balance.

Disclaimer

No Earnings Guarantee. We do not guarantee you'll earn any specific amount through the Affiliate Program. Your actual earnings will depend on many factors, including your promotional efforts, the products you promote, market conditions, and customer behavior.

No Warranties. The Affiliate Program is provided "as is" without any warranties of any kind, whether express, implied, or statutory. This includes warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Tracking and Attribution. While we use reasonable efforts to track referrals, we do not guarantee our tracking systems will capture every referral or transaction. Technical issues, cookie deletion, browser settings, or other factors may affect tracking accuracy.

Commission Adjustments. We reserve the right to adjust, recalculate, or withhold commissions if we detect fraud, abuse, chargebacks, refunds, cancellations, or violations of these Terms. We may also adjust commissions to correct tracking errors or system issues.

Program Changes. We may modify, suspend, or terminate the Affiliate Program at any time without liability to you. Commission structures, Affiliate Offers, and program terms may change at our discretion.

Limitation of Liability. To the maximum extent permitted by law, COYA's total liability to you for any claims related to the Affiliate Program will not exceed the commissions actually paid to you in the three months prior to the claim.

Integration with Terms of Service. For the avoidance of doubt, the provisions of our Terms of Service regarding warranties, disclaimers, indemnification, limitation of liability, dispute resolution, and all other terms contained therein apply to all disputes and claims arising under or related to the Affiliate Program. In the event of any conflict, the Terms of Service shall control.

COYA Connect Program Terms

Overview

Connect Program are a way for Sellers on COYA to pay users for completing specific tasks or providing promotional engagement, such as sharing clips or other marketing activities. Connect Program may also include Team Payouts (which are and Content Rewards. If you participate in a Connect Program as a Participant, these terms apply to you.

Who Can Participate

To participate in Connect Program as a Participant, you must be 18 years or older and have a COYA account in good standing.

How Connect Program Payments Work

The Basics. COYA Connect Program work in three simple steps: (1) A Seller creates a Connect Program by defining the task, requirements, and reward amount, then publishes it to their community; (2) Community members complete the task and submit proof of completion (links, files, screenshots, etc.) through the app; (3) Once the Seller approves the submission, COYA automatically deducts the reward from the Seller's Balance and sends it to the user's account.

Commercial Transactions Only. Every Connect Program must be tied to a legitimate, specific task or service you complete. Connect Program are not gifts, prizes based on chance, lotteries, raffles, or peer-to-peer money transfers. Sellers may only pay you after you've satisfactorily completed the specified task in their sole discretion.

No Chance-Based Payments. Connect Program cannot involve any element of chance in determining who gets paid or whether payment is made. The Seller is solely responsible for clearly defining tasks and verifying completion before making payment.

COYA's Limited Role

COYA provides the platform to facilitate Connect Program transactions but is not a party to any Connect Program arrangement. We don't guarantee the quality, legality, or outcome of any Connect Program. We're not responsible for verifying task completion, determining eligibility, or mediating disputes over Connect Program payouts.

Payment Processing. When a Seller offers a Connect Program, any resulting payment to you is processed through COYA's Financial Partners. COYA does not hold, distribute, or take possession of Connect Program funds. All money transfers happen directly between the Seller, you, and the Financial Partners according to their terms and applicable laws.

Disputes. Any dispute over whether a Connect Program was completed or payment was earned is strictly between you and the Seller. We may, at our sole discretion, provide information to Financial Partners or regulatory authorities but have no obligation to resolve disputes.

Your Responsibilities as a Participant

Be honest and compliant. You agree to present COYA, Sellers, and their products truthfully in a manner that reflects your actual experience. You must follow guidelines and not make any misrepresentations.

Disclose your compensation. You must clearly disclose that you're receiving compensation for your promotional activities.

Follow keyword restrictions. You cannot use paid ads (like Google Ads) with keywords like "COYA," "COYA discount," "COYA coupon," or misspellings of these terms without written approval from a COYA Account manager. This applies to these keywords alone or in combination with other terms.

No lottery-style promotions. You must not use or promote Connect Program in any way that resembles a random drawing, lottery, raffle, chance-based competition, or non-commercial transfer of funds (like personal gifts or donations).

Comply with the law. You must comply with all applicable laws and regulations when participating in Connect Program, including restrictions on advertising, endorsements, or promotions. You must not participate in Connect Program for illegal, fraudulent, or non-commercial purposes.

Seller Responsibilities

Creating Connect Program. Sellers offering Connect Program must clearly define the task, completion criteria, payment amount, and any deadlines.

Payment Obligations. Sellers must pay Participants promptly upon satisfactory task completion.

Legal Compliance. Sellers must comply with all applicable laws and regulations, including restrictions on advertising, endorsements, and promotions or violate our Community Guidelines. Sellers are solely responsible for ensuring tasks are clearly defined and completed before making payments, and for ensuring Connect Program don't involve elements of chance.

Taxes

You're responsible for all taxes on your Connect Program earnings or payments.

Our Relationship

You're an independent contractor, not an employee. This agreement doesn't create a partnership, joint venture, or employment relationship.

Termination and Suspension

We may suspend or terminate your ability to participate in Connect Program if you violate these Terms, engage in fraudulent activity, or for any other reason at our discretion.

Disclaimers

No Guarantees. We don't guarantee you'll receive any specific Connect Program payments or that Sellers will honor their Connect Program commitments. Your ability to earn depends on completing tasks to the Seller's satisfaction and the Seller's willingness to pay.

No Warranties. Connect Program are provided "as is" without any warranties of any kind, whether express, implied, or statutory. This includes warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Payment Processing. While our Financial Partners use reasonable efforts to process payments accurately, we don't guarantee payment systems will work without error. Technical issues, fraud detection systems, or other factors may affect payment processing.

No Liability for Disputes. We're not liable for disputes between Sellers and Participants, non-payment by Sellers, task completion disagreements, or any damages arising from Connect Program transactions.

No Guarantee of Seller Performance. We don't control Sellers' Connect Program offerings, payment practices, or task requirements. We're not responsible for Seller performance, payment fulfillment, or any disputes between Participants and Sellers.

Limitation of Liability. To the maximum extent permitted by law, COYA's total liability to you for any claims related to Connect Program will not exceed $100 or the amount you were supposed to receive in the disputed Connect Program, whichever is less. We're not liable for any indirect, incidental, consequential, special, or punitive damages, including lost earnings or lost opportunities.

Integration with Terms of Service. For the avoidance of doubt, the provisions of our Terms of Service regarding warranties, disclaimers, indemnification, limitation of liability, dispute resolution, and all other terms contained therein apply to all disputes and claims arising under or related to the Connect Program Program. In the event of any conflict, the Terms of Service shall control.