Referral Circle — program terms

Referral Circle is the RealHealers affiliate program — every registered user can refer the platform and earn 1% lifetime on all payments by referred users.

Affiliate — registered user with a referral link.

Referred user — new user signing up via the link.

Commission — 1% of each transaction by the referred user.

Threshold — minimum commission to trigger payout (€15 / CHF 15 / 50 PLN).

Clearing period — 14-day "pending" status after each transaction (refunds void the commission).

In /dashboard/referrals a unique link is generated. Visitors get a 30-day "_ref" cookie on click. If they sign up within that window, the referral relationship is recorded.

Payouts monthly when threshold is reached. Automatic via Stripe Connect or manual bank transfer (3–5 business days).

Self-referrals — commission VOID, account warning.

Refunded transactions — commission reversed.

Fraud (fake transactions, cookie stuffing) — VOID + permanent ban.

The platform operator (HealersTeam Witkowski, Switzerland) does NOT issue Polish PIT-11 or German Lohnsteuerbescheinigung forms — as a Swiss entity it has no such obligation toward EU tax authorities.

Commissions you receive are taxable income that you declare yourself in your country of residence.

Your dashboard provides a CSV summary of all payouts (/api/affiliate/earnings.csv). Consult an accountant for material amounts.

DAC7 reporting (Council Directive (EU) 2021/514): as a platform operator with EU/EEA sellers we report annual payouts to the competent tax authorities by 31 January for the previous calendar year. NOTE: for personal services (including referral commissions) DAC7 sets NO de-minimis threshold — every transaction is reported, regardless of amount. We therefore collect full data: name, date of birth, address, tax ID/VAT, IBAN.

Opt out anytime by removing your referral link. Existing balance is paid out in the next cycle even below threshold.

Terms changes communicated by email 30 days in advance; commissions already accrued remain on the previous terms.