Referral & Rewards Terms
ARCBDS REFERRAL & REWARDS TERMS
Document No.: 14 of 14
Version: 1.0
Effective Date: [●]
Last Updated: [●]
Programme Owner: ARCBDS / [Confirmed Legal Entity]
Policy Owner: Legal / Compliance / Operations
Approved By: [●]
IMPORTANT NOTICE
These ARCBDS Referral & Rewards Terms govern any referral, invitation, community reward, generation, level, rank, campaign incentive or other compensation programme officially introduced by ARCBDS.
Participation in the ARCBDS Founding Circle does not automatically entitle a Participant to referral rewards.
No reward structure becomes binding merely because it is:
discussed by a community leader;
shown in an unofficial presentation;
posted in a Telegram or WhatsApp group;
described verbally;
demonstrated in a test system;
leaked before launch; or
proposed in a draft compensation plan.
A reward becomes contractually available only when ARCBDS officially activates the relevant reward programme and publishes or makes available the applicable Reward Schedule.
The following are therefore not yet contractual until formally approved:
Direct Referral Reward percentage;
number of generations;
generation reward percentages;
level structures;
rank structures;
team qualification requirements;
personal qualification requirements;
reward caps;
reward asset;
payout frequency;
vesting or holding periods;
rank bonuses; and
other compensation parameters.
ARCBDS does not guarantee that any Participant will earn referral rewards.
Referral rewards are not:
interest;
dividends;
fixed ROI;
guaranteed income;
salary;
employment income;
guaranteed passive income;
guaranteed investment return; or
guaranteed token appreciation.
Referral activity remains subject to Applicable Law, KYC/KYB, sanctions requirements, marketing regulations and jurisdictional eligibility.
1. PURPOSE
The purpose of these Terms is to establish the legal and operational framework governing:
a. referral links;
b. invitation codes;
c. referral attribution;
d. direct referral rewards;
e. generation rewards;
f. levels;
g. ranks;
h. team structures;
i. reward qualification;
j. reward calculation;
k. reward release;
l. reward reversals;
m. promotional conduct;
n. regulatory compliance;
o. disclosure of compensation;
p. prohibited marketing claims;
q. anti-fraud controls;
r. anti-abuse controls;
s. self-referrals;
t. duplicate Accounts;
u. KYC requirements;
v. tax responsibilities;
w. disputes;
x. programme suspension; and
y. termination.
2. SCOPE
These Terms apply to persons participating in an ARCBDS referral or rewards programme including:
a. Founding Circle Participants;
b. community members;
c. approved referrers;
d. referral partners;
e. community leaders;
f. ambassadors;
g. authorised marketing representatives;
h. KOLs where referral compensation applies;
i. influencers where referral compensation applies;
j. business-development partners;
k. institutional introducers; and
l. other persons approved by ARCBDS.
Different participant categories may be subject to different reward structures.
3. RELATED ARCBDS DOCUMENTS
These Terms should be read together with:
ARCBDS Founding Circle Participation Agreement;
ARCBDS Founding Circle Terms & Conditions;
ARCBDS Risk Disclosure Statement;
ARCBDS Participant Protection Reserve Terms;
ARCBDS Website Terms of Use;
ARCBDS Privacy Policy;
ARCBDS Cookie Policy;
ARCBDS KYC, AML & Sanctions Policy;
ARCBDS Payment, Allocation & Blockchain Transaction Policy;
ARCBDS Cancellation & Refund Policy;
ARCBDS Eligibility & Restricted Jurisdiction Policy;
ARCBDS Electronic Communications & E-Sign Consent;
ARCBDS Legal & Marketing Disclaimer; and
these ARCBDS Referral & Rewards Terms.
Mandatory Applicable Law shall prevail where required.
4. DEFINITIONS
For purposes of these Terms:
4.1 “Active Programme”
means a referral or rewards programme formally approved and activated by ARCBDS.
4.2 “Direct Referral”
means an eligible person directly attributed to a Referrer according to the official ARCBDS referral system.
4.3 “Generation”
means a defined layer of qualifying Participants connected through an approved referral structure.
4.4 “Level”
means an achievement or qualification category established under an applicable Reward Schedule.
4.5 “Qualifying Activity”
means the activity expressly designated in an applicable Reward Schedule as creating eligibility for a Reward.
4.6 “Qualifying Referral”
means a Referred Participant satisfying all applicable conditions under these Terms and the relevant Reward Schedule.
4.7 “Rank”
means a defined status earned through approved qualification criteria.
4.8 “Referral Code”
means a unique code assigned to an eligible Referrer.
4.9 “Referral Link”
means an officially generated digital link associated with a Referral Code.
4.10 “Referred Participant”
means a person attributed to a Referrer through the official ARCBDS referral system.
4.11 “Referrer”
means a person officially eligible to participate in an Active Programme.
4.12 “Reward”
means monetary or non-monetary value provided under an Active Programme.
4.13 “Reward Base”
means the metric on which a Reward is calculated, as specified in the applicable Reward Schedule.
4.14 “Reward Schedule”
means the official commercial schedule defining actual percentages, amounts, levels, generations, ranks, qualification conditions, payout methods and related terms.
4.15 “Team”
means the referral network attributed beneath a Referrer according to the official system.
5. PROGRAMME ACTIVATION
No Referral & Rewards Programme shall become operational until:
a. management approval has been obtained;
b. Legal has reviewed the structure;
c. Compliance has reviewed the structure;
d. applicable regulatory approvals or confirmations have been obtained;
e. the Reward Schedule has been approved;
f. the system has been configured;
g. required disclosures have been prepared; and
h. an official activation notice has been issued.
6. NO IMPLIED REWARD PROGRAMME
The existence of:
a. referral links;
b. invitation codes;
c. community hierarchies;
d. leader dashboards;
e. invitation tracking; or
f. team structures
does not automatically mean rewards are payable.
Such functions may be used for community attribution even before compensation is activated.
7. REGULATORY CONDITION
Any reward, referral payment or incentive is conditional on ARCBDS being legally permitted to offer it.
If Applicable Law requires:
a. regulatory approval;
b. compliance confirmation;
c. notification;
d. registration;
e. licence variation;
f. marketing approval; or
g. another regulatory condition,
the reward must not be activated until the requirement has been satisfied.
8. UAE / DUBAI INCENTIVE CONDITION
Where the programme falls within applicable Dubai Virtual Asset marketing requirements, monetary or non-monetary incentives shall only be offered in accordance with the applicable VARA Marketing Regulations.
Where a compliance confirmation from VARA is required, ARCBDS shall obtain that confirmation before the relevant incentive becomes available.
9. REFERRAL PROGRAMME MAY BE MARKETING
A referral programme may constitute marketing or promotional activity.
Therefore:
a. referral communications may be regulated;
b. compensation may need to be disclosed;
c. risk warnings may be required;
d. jurisdiction restrictions apply;
e. misleading claims are prohibited; and
f. referral activity does not exist outside marketing compliance.
10. ELIGIBILITY TO BECOME A REFERRER
Unless a Reward Schedule provides stricter criteria, a Referrer must:
a. have an eligible ARCBDS Account;
b. satisfy applicable minimum age;
c. complete KYC/KYB;
d. pass sanctions screening;
e. remain legally eligible;
f. comply with the ARCBDS legal documents;
g. comply with marketing rules;
h. comply with these Terms; and
i. not be suspended or prohibited.
11. NO AUTOMATIC RIGHT TO REFER
ARCBDS may restrict referral functionality according to:
a. jurisdiction;
b. regulatory status;
c. Participant category;
d. risk rating;
e. marketing permissions;
f. programme status; or
g. other legitimate criteria.
12. CORPORATE REFERRERS
A company participating as a Referrer may be required to complete:
a. KYB;
b. UBO verification;
c. corporate authority verification;
d. tax documentation;
e. invoicing documentation;
f. marketing-agency review; and
g. other legal requirements.
13. PROFESSIONAL INTRODUCERS
A professional introducer, broker, adviser, agent or other compensated intermediary may require a separate written agreement.
These Referral Terms do not substitute for any licence or authorisation required to perform regulated intermediary activity.
14. NO REGULATED ACTIVITY AUTHORITY
Being an ARCBDS Referrer does not automatically authorise a person to perform:
a. investment advice;
b. financial advisory activity;
c. brokerage;
d. dealing;
e. portfolio management;
f. custody;
g. regulated placement activity;
h. regulated solicitation; or
i. another licensed activity.
15. REFERRAL CODE
Eligible Referrers may receive a unique Referral Code.
The Referral Code:
a. remains associated with the Referrer's Account;
b. may be revoked;
c. may not be sold;
d. may not be transferred without approval;
e. may not be altered to impersonate ARCBDS; and
f. must be used in accordance with these Terms.
16. REFERRAL LINKS
Referral Links may include tracking parameters allowing ARCBDS to attribute registration or participation.
Referrers must not:
a. manipulate Referral Links;
b. hide misleading redirects;
c. direct users to phishing websites;
d. embed malicious code;
e. misrepresent the destination; or
f. use fake ARCBDS domains.
17. REFERRAL ATTRIBUTION
A referral relationship shall be determined by the official ARCBDS system.
The final attribution methodology shall be:
[First Valid Referral / Last Valid Referral / Other Approved Method: ●]
and shall be recorded in the applicable Reward Schedule or programme rules.
18. ATTRIBUTION TIMESTAMP
ARCBDS may record:
a. Referral Link click;
b. Referral Code use;
c. registration;
d. Account creation;
e. KYC completion;
f. first Qualifying Activity; and
g. final attribution.
The official attribution record shall control unless a Manifest Error is established.
19. EXISTING USERS
An existing ARCBDS Account holder may not ordinarily be reassigned to a new Referrer merely because:
a. another person asks;
b. a different community leader offers better incentives;
c. the Participant changes teams; or
d. a Referrer demands reassignment.
Any reassignment policy must be formally approved.
20. REFERRAL REASSIGNMENT
ARCBDS may correct attribution where:
a. a technical error occurred;
b. fraudulent attribution occurred;
c. an incorrect code was automatically inserted;
d. authorised support correction is justified; or
e. another approved exception applies.
Corrections must maintain an audit trail.
21. QUALIFYING REFERRAL
A Referred Participant may become a Qualifying Referral only where all applicable conditions are satisfied.
These may include:
a. valid referral attribution;
b. successful registration;
c. KYC/KYB completion;
d. jurisdiction eligibility;
e. sanctions clearance;
f. Qualifying Activity;
g. Accepted Contribution where applicable;
h. absence of fraud;
i. absence of prohibited self-referral;
j. applicable settlement period; and
k. other conditions under the Reward Schedule.
22. REGISTRATION ALONE
Registration alone does not necessarily create a payable Reward.
The Reward Schedule must specify what event creates reward eligibility.
23. KYC ALONE
Completion of KYC does not necessarily create a payable Reward.
24. CONTRIBUTION ALONE
A Contribution does not automatically generate a final Reward until:
a. participation is accepted;
b. compliance checks are complete;
c. cancellation/refund conditions are satisfied; and
d. all applicable Reward conditions are met.
25. QUALIFYING ACTIVITY
A Reward Schedule may define Qualifying Activity using one or more approved metrics such as:
a. completed eligible participation;
b. eligible platform activity;
c. approved service usage;
d. qualifying transaction fees;
e. approved ecosystem activity;
f. retention or qualification period; or
g. another legally approved metric.
No metric shall apply unless stated in the active Reward Schedule.
26. REWARD BASE
The Reward Base must be clearly defined before rewards are calculated.
Possible Reward Bases may include:
a. fixed amount;
b. eligible platform fees;
c. qualifying activity volume;
d. approved participation metric;
e. points;
f. approved business-development metric; or
g. another approved basis.
The Reward Base shall not be assumed merely from the Contribution amount unless expressly stated.
27. DIRECT REFERRAL REWARD
Where activated, a Direct Referral Reward may be payable to the qualifying Referrer.
Direct Referral Reward: [●]
Reward Base: [●]
Reward Asset: [●]
Qualification Requirement: [●]
No Direct Referral Reward is payable until those fields are formally approved in the Reward Schedule.
28. GENERATION REWARDS
ARCBDS may introduce Generation Rewards.
The number of eligible Generations shall be:
[●] Generations
Generation percentages or amounts shall be:
Generation 1: [●]
Generation 2: [●]
Generation 3: [●]
Additional Generations: [●]
These parameters are inactive until formally approved.
29. GENERATION DEFINITION
A Generation should be defined consistently by the system.
Example structure:
Generation 1 = Referrer's direct Qualifying Referrals;
Generation 2 = Qualifying Referrals directly attributed beneath Generation 1;
Generation 3 = qualifying persons beneath Generation 2;
and so forth.
The actual structure shall follow the approved Reward Schedule.
30. NO UNLIMITED GENERATION ASSUMPTION
No Referrer should assume an entitlement to unlimited downstream generations.
Only generations expressly approved in the Reward Schedule qualify.
31. LEVEL SYSTEM
ARCBDS may introduce Levels.
A Level may depend on criteria such as:
a. qualifying direct referrals;
b. qualifying Team activity;
c. compliance status;
d. active status;
e. business-development achievement;
f. training completion; or
g. another approved criterion.
32. LEVEL DOES NOT GUARANTEE INCOME
Achieving a Level does not guarantee:
a. minimum earnings;
b. future Team activity;
c. future rewards;
d. permanent rank; or
e. investment return.
33. RANK SYSTEM
ARCBDS may introduce Ranks.
Potential Rank factors may include:
a. personal qualifying activity;
b. direct qualifying referrals;
c. Team qualifying activity;
d. generation requirements;
e. leadership development;
f. compliance history;
g. active-status requirements; and
h. other approved metrics.
34. RANK REQUIREMENTS
No Rank criteria apply until published through the official Reward Schedule.
Rank Structure: [●]
Qualification Metrics: [●]
Maintenance Requirements: [●]
Review Period: [●]
35. RANK ACHIEVEMENT
A Rank becomes effective only after:
a. system calculation;
b. required qualification period;
c. fraud review;
d. compliance validation; and
e. official confirmation.
36. RANK MAINTENANCE
Where a Rank requires ongoing maintenance, the applicable criteria must be clearly disclosed.
A Rank must not be represented as permanent unless it genuinely is permanent under the Reward Schedule.
37. RANK DOWNGRADE
A Rank may be downgraded where:
a. maintenance criteria are not satisfied;
b. underlying activity is refunded;
c. fraudulent activity is removed;
d. Team transactions are reversed;
e. compliance status changes; or
f. the Reward Schedule permits downgrade.
38. PERSONAL PARTICIPATION REQUIREMENTS
If a future Rank or reward structure includes a personal participation requirement, the exact requirement must be:
a. legally reviewed;
b. transparently disclosed;
c. proportionate;
d. approved under Applicable Law; and
e. stated in the Reward Schedule.
No personal purchase requirement should be invented by community leaders.
39. TEAM REQUIREMENTS
If Team activity is relevant to qualification, the Reward Schedule must define:
a. qualifying Team activity;
b. excluded activity;
c. time period;
d. generation depth;
e. Team-leg requirements where applicable; and
f. reward calculation.
40. TEAM ACTIVITY DOES NOT BELONG TO THE REFERRER
A Referrer does not own:
a. Referred Participants;
b. their Accounts;
c. their ARCBDS;
d. their Contributions;
e. their KYC data; or
f. their wallets.
The referral structure is an attribution and reward mechanism only.
41. NO CONTROL OVER PARTICIPANTS
A Referrer may not:
a. control another Participant's Account;
b. hold their passwords;
c. hold their private keys;
d. complete their KYC fraudulently;
e. submit transactions without authority; or
f. prevent them from contacting ARCBDS directly.
42. REWARD ASSET
Rewards may potentially be paid in:
a. USDT;
b. ARCBDS;
c. ecosystem credits;
d. points;
e. non-monetary benefits; or
f. another approved asset.
Current Reward Asset: [●]
No reward asset is confirmed until formally announced.
43. ARCBDS-DENOMINATED REWARDS
Where a Reward is paid in ARCBDS:
a. its market value may fluctuate;
b. its value may decrease;
c. liquidity is not guaranteed;
d. release restrictions may apply; and
e. receiving ARCBDS does not guarantee profit.
44. USDT-DENOMINATED REWARDS
Where a Reward is paid in USDT:
a. stablecoin risk applies;
b. network fees may apply;
c. USDT does not guarantee permanent US-dollar parity; and
d. wallet screening may apply.
45. NON-MONETARY REWARDS
Non-monetary rewards may include:
a. access;
b. event benefits;
c. recognition;
d. education;
e. ecosystem privileges;
f. merchandise; or
g. another approved benefit.
The Reward Schedule shall identify any material conditions.
46. REWARD CALCULATION
The standard framework is:
Verified Qualifying Activity
×
Approved Reward Rate
=
Gross Reward
subject to:
a. caps;
b. qualification;
c. reversals;
d. compliance;
e. taxes;
f. fees; and
g. other applicable conditions.
47. NO IMPLIED PERCENTAGE
No percentage discussed before formal approval creates an entitlement.
Only the percentage displayed in the active Reward Schedule at the applicable time controls.
48. REWARD PERIOD
Rewards may be calculated:
a. immediately;
b. daily;
c. weekly;
d. monthly;
e. per campaign;
f. per qualification cycle; or
g. according to another schedule.
Current Reward Cycle: [●]
49. PENDING REWARD
Rewards may appear as:
PENDING
Potential reward awaiting qualification.
VERIFIED
Underlying activity verified.
APPROVED
Reward approved.
RELEASED
Reward available.
PAID
Reward transferred.
REVERSED
Reward cancelled or clawed back.
SUSPENDED
Reward under compliance or fraud review.
50. PENDING REWARD IS NOT FINAL
A Pending Reward is not an unconditional debt owed to the Referrer.
It may be reversed if underlying eligibility fails.
51. REWARD HOLDING PERIOD
ARCBDS may apply a holding period before final Reward release to account for:
a. cancellations;
b. refunds;
c. fraud review;
d. chargebacks where relevant;
e. transaction reversal;
f. compliance checks; and
g. programme integrity.
Holding Period: [●]
52. MINIMUM PAYOUT
ARCBDS may establish a minimum payout threshold.
Minimum Reward Payout: [●]
Rewards below the threshold may remain accumulated until the threshold is reached, subject to expiry rules.
53. REWARD CAP
ARCBDS may establish:
a. daily cap;
b. weekly cap;
c. monthly cap;
d. campaign cap;
e. Rank cap;
f. Participant cap; or
g. lifetime cap.
Applicable Caps: [●]
54. CAP DISCLOSURE
No cap should be hidden after a Referrer has already qualified.
Applicable caps must be available through the Reward Schedule.
55. REFUND REVERSAL
If the underlying Referred Participant receives a Refund, associated rewards may be:
a. cancelled;
b. reduced;
c. reversed;
d. deducted from future Rewards; or
e. recovered where already paid,
according to the Reward Schedule and Applicable Law.
56. CANCELLATION REVERSAL
Where a referred participation is lawfully cancelled, any Reward based solely on that participation may be reversed.
57. REJECTED PARTICIPATION
No final Reward is due for a Referred Participant whose participation is rejected.
58. FRAUD REVERSAL
Rewards attributable to:
a. fake Accounts;
b. identity fraud;
c. multiple Accounts;
d. self-referrals;
e. fabricated transactions;
f. manipulated Teams; or
g. other fraudulent activity
may be cancelled or recovered.
59. CLAWBACK
Where a Reward has already been paid but is later determined to have been generated through fraud, error, refund or another valid reversal event, ARCBDS may, where contractually and legally permitted:
a. offset against future Rewards;
b. debit an internal reward balance;
c. request repayment;
d. initiate recovery; or
e. take another lawful action.
60. NO ARBITRARY CLAWBACK
ARCBDS shall not reverse legitimately earned Rewards without:
a. a contractual basis;
b. legal basis;
c. operational correction; or
d. another legitimate reason.
61. SELF-REFERRALS
Self-referrals are prohibited unless an Active Programme expressly allows them.
Self-referral may include:
a. referring one's own second Account;
b. using another email for the same person;
c. referring a company controlled solely to create artificial reward activity;
d. using nominee identities; or
e. another arrangement designed to generate rewards from oneself.
62. MULTIPLE ACCOUNTS
Creating multiple Accounts to obtain referral or rank benefits is prohibited.
ARCBDS may identify duplicate Accounts using:
a. KYC;
b. device information;
c. IP information;
d. wallet addresses;
e. payment sources;
f. beneficial ownership; and
g. other appropriate fraud controls.
63. HOUSEHOLD REFERRALS
Referrals among genuine separate family or household members may be permitted subject to:
a. separate identities;
b. genuine separate Accounts;
c. independent KYC;
d. lawful funds;
e. no nominee activity; and
f. anti-abuse review.
64. CORPORATE-RELATED REFERRALS
Referrals among related companies may receive enhanced review.
Related-party relationships should not be used to manufacture artificial Team volume or Rank qualification.
65. FAKE PARTICIPANTS
Referrers must not create:
a. fake identities;
b. shell Accounts;
c. nominee Participants;
d. temporary Accounts; or
e. fabricated transactions
to obtain rewards.
66. TRANSACTION SPLITTING
A Referrer or Participant must not split a single economic transaction into multiple artificial transactions to generate additional rewards.
ARCBDS may aggregate linked transactions.
67. TEAM MANIPULATION
Prohibited Team manipulation includes:
a. cycling Accounts;
b. artificial placement;
c. repeated account reassignment;
d. fake leaders;
e. coordinated refund-and-rejoin activity;
f. purchased identity Accounts; and
g. other manipulation.
68. REFERRAL SPAM
Referrers must not engage in unlawful or abusive:
a. email spam;
b. SMS spam;
c. mass WhatsApp messaging;
d. unsolicited Telegram messaging;
e. automated social-media messaging;
f. cold messaging contrary to law; or
g. harvesting of contact data.
69. PURCHASED CONTACT LISTS
Referrers must not use unlawfully obtained or improperly purchased personal-data lists to market ARCBDS.
70. PRIVACY
Referral activity must respect the ARCBDS Privacy Policy.
A Referrer does not receive access to full information about a Referred Participant merely because the Participant used their code.
71. LIMITED REFERRAL DASHBOARD
A referral dashboard may show limited information such as:
a. anonymised Participant identifier;
b. qualification status;
c. Reward status;
d. Team structure;
e. qualifying volume where lawful; and
f. other information necessary to administer rewards.
72. PROHIBITED REFERRAL DATA
Referrers should not automatically receive:
a. passports;
b. KYC documents;
c. residential addresses;
d. source-of-funds documentation;
e. source-of-wealth records;
f. complete wallet balances;
g. sanctions results; or
h. other confidential compliance records.
73. DATA PROTECTION
Referral data may constitute Personal Data.
It shall be processed according to:
a. ARCBDS Privacy Policy;
b. Applicable Law; and
c. authorised programme purposes.
74. COMPENSATION DISCLOSURE
Where a Referrer receives or may receive value from a referral, the relationship should be disclosed where required by Applicable Law.
A suitable disclosure may state:
“I may receive a referral reward if you qualify through my referral link.”
75. NO HIDDEN COMMISSION WHERE DISCLOSURE REQUIRED
A Referrer must not deliberately present themselves as an independent neutral reviewer while secretly receiving compensation where disclosure is legally required.
76. KOL AND INFLUENCER DISCLOSURE
Where an influencer, KOL or content creator receives compensation, they must comply with the ARCBDS Legal & Marketing Disclaimer and applicable sponsorship disclosure requirements.
77. REFERRERS ARE SUBJECT TO MARKETING RULES
Every Referrer must follow the ARCBDS Legal & Marketing Disclaimer.
This includes prohibitions concerning:
a. guaranteed returns;
b. capital guarantees;
c. guaranteed buyback;
d. guaranteed listing;
e. guaranteed liquidity;
f. false regulatory claims;
g. false partner claims;
h. misleading Protection Reserve claims; and
i. misleading income claims.
78. NO GUARANTEED REFERRAL INCOME
Referrers must not say:
“Join ARCBDS and earn guaranteed passive income.”
“Build a team and receive lifetime guaranteed income.”
“Everybody will earn.”
“This programme guarantees monthly commission.”
or equivalent claims.
79. NO EARNINGS GUARANTEE
Referral earnings depend on actual qualifying activity and applicable programme rules.
A Referrer may earn:
a. significant Rewards;
b. limited Rewards; or
c. no Rewards.
No minimum income is guaranteed.
80. EARNINGS EXAMPLES
Any earnings example must be:
a. clearly hypothetical where hypothetical;
b. mathematically accurate;
c. based on current Reward terms;
d. not presented as typical unless evidence supports that statement; and
e. accompanied by appropriate qualification.
81. EARNINGS TESTIMONIALS
Testimonials showing referral income must not create the impression that similar earnings are:
a. typical;
b. guaranteed;
c. easy; or
d. automatic
unless adequately supported.
82. LIFESTYLE MARKETING
Referrers must not use misleading:
a. supercar imagery;
b. luxury houses;
c. private jets;
d. cash displays;
e. luxury holidays; or
f. similar imagery
to imply that ordinary Participants can expect such results from referral activity.
83. NO EMPLOYMENT REPRESENTATION
A Referrer is not automatically an ARCBDS employee.
The programme must not be marketed as:
a. employment;
b. salary;
c. guaranteed part-time job;
d. guaranteed monthly wage; or
e. employment opportunity
unless an actual employment arrangement exists.
84. NO PARTNERSHIP OR AGENCY BY DEFAULT
Participation in the Referral Programme does not by itself create:
a. partnership;
b. joint venture;
c. franchise;
d. fiduciary relationship;
e. employment; or
f. authority to legally bind ARCBDS.
A separate agreement may establish additional rights.
85. NO AUTHORITY TO SIGN FOR ARCBDS
Referrers may not:
a. enter contracts on behalf of ARCBDS;
b. promise special terms;
c. issue official receipts;
d. guarantee Refunds;
e. guarantee Reserve claims;
f. modify token allocations; or
g. waive KYC requirements.
86. NO COLLECTION OF PARTICIPANT FUNDS
Unless separately and expressly authorised, Referrers must not collect Founding Circle Contributions into personal wallets or bank accounts.
Potential Participants must use the official ARCBDS payment process.
87. NO PRIVATE-KEY ACCESS
Referrers must never ask Participants to disclose:
a. wallet private keys;
b. seed phrases;
c. recovery phrases;
d. passwords; or
e. OTPs.
88. APPROVED MARKETING MATERIAL
ARCBDS may provide approved marketing assets including:
a. presentations;
b. brochures;
c. links;
d. banners;
e. videos;
f. social posts;
g. FAQs; and
h. risk notices.
Referrers should use current materials.
89. EDITING MARKETING MATERIAL
Referrers must not modify approved materials in a way that creates:
a. false returns;
b. false guarantees;
c. false regulatory claims;
d. false tokenomics;
e. false deadlines;
f. false partner claims; or
g. misleading information.
90. PERSONAL CONTENT
Referrers may create personal content only where it complies with:
a. these Terms;
b. applicable marketing law;
c. brand guidelines;
d. risk disclosure requirements; and
e. jurisdiction restrictions.
91. UNAUTHORISED TRANSLATIONS
A translation must not materially strengthen claims concerning:
a. profits;
b. protection;
c. guarantees;
d. regulations;
e. insurance; or
f. token value.
92. BUSINESS CARDS AND TITLES
Referrers must not use titles that imply employment or regulatory authority where no such position exists.
Examples requiring approval include:
ARCBDS Investment Adviser
ARCBDS Licensed Broker
ARCBDS Fund Manager
unless legally accurate.
93. APPROVED COMMUNITY TITLES
ARCBDS may permit titles such as:
a. Community Leader;
b. Ambassador;
c. Referral Partner;
d. Ecosystem Connector; or
e. another approved title.
Such titles do not create regulatory authority.
94. NO PERSONAL FINANCIAL ADVICE
Unless legally authorised, a Referrer should not tell a prospective Participant:
a. exactly how much to invest;
b. that ARCBDS is suitable for their finances;
c. that a particular package guarantees the best return; or
d. to sell another investment to participate.
95. EXPLAINING THE FOUNDING CIRCLE
Referrers may factually explain approved terms relating to:
a. Access;
b. Growth;
c. Legacy;
d. Allocation Prices;
e. Alignment Rewards;
f. Cliffs; and
g. release schedules.
96. ALIGNMENT REWARD
Referrers must describe the Alignment Reward as additional ARCBDS allocation.
It must not be described as a guaranteed financial return.
97. PROTECTION RESERVE
Referrers may discuss the Participant Protection Reserve only in accordance with the approved Protection Reserve Terms and Legal & Marketing Disclaimer.
They must not say:
“Your capital is guaranteed.”
“You are insured.”
“ARCBDS will always buy your tokens.”
98. EXCHANGE LISTINGS
Referrers must not announce exchange listings unless ARCBDS officially authorises the announcement.
99. REGULATORY STATUS
Referrers must not claim:
a. VARA approval;
b. UAE government endorsement;
c. SCA approval;
d. securities approval; or
e. another licence
unless ARCBDS has formally confirmed the statement for use.
100. JURISDICTION RESTRICTIONS
Referrers must not knowingly promote participation to persons in Restricted Jurisdictions.
The active Restricted Jurisdiction Register and marketing instructions must be followed.
101. VPN CIRCUMVENTION
Referrers must not advise potential Participants to use:
a. VPNs;
b. proxies;
c. false residency;
d. nominees; or
e. overseas shell entities
to avoid ARCBDS jurisdiction restrictions.
102. KYC CIRCUMVENTION
Referrers must not:
a. submit KYC for someone else;
b. provide fake documents;
c. lend identity documents;
d. create duplicate Accounts; or
e. otherwise bypass KYC.
103. RISK DISCLOSURE
Referrers should not conceal or discourage prospective Participants from reading the ARCBDS Risk Disclosure Statement.
104. NO PRESSURE TO PARTICIPATE
Referral incentives must not be presented in a way that overwhelms proper consideration of:
a. token risk;
b. market volatility;
c. liquidity risk;
d. release restrictions;
e. legal terms; and
f. other material risks.
105. FOMO
Referrers must not use misleading FOMO tied to potential appreciation or profits.
Examples include:
“Join tonight or lose your chance to become rich.”
“This is guaranteed to explode.”
106. GENUINE DEADLINES
A genuine ARCBDS deadline or capacity limitation may be communicated accurately.
It must not be fabricated.
107. REWARD-BASED URGENCY
A reward campaign should remain available for an appropriate period and should not be deliberately structured merely to pressure Participants to act without considering risk where Applicable Law prohibits such conduct.
108. ANTI-PYRAMID PRINCIPLE
ARCBDS does not intend the Referral Programme to operate as an unlawful pyramid, chain recruitment or similar prohibited arrangement.
The Reward Programme must be structured around genuine approved qualifying activity rather than merely the recruitment of additional recruiters.
109. NO REWARD MERELY FOR RECRUITING RECRUITERS
Unless legally reviewed and specifically permitted, ARCBDS should not pay rewards solely because:
a. one person recruits another recruiter;
b. another layer is created; or
c. a person joins a hierarchy
without the required legitimate Qualifying Activity.
110. NO PURCHASE OF RECRUITMENT RIGHTS
No person should pay a separate fee solely to obtain the right to recruit others for compensation unless the structure has been specifically legally approved.
111. NO INVENTORY LOADING
Referrers should not be required to purchase unnecessary quantities of tokens or services merely to maintain eligibility for recruiting others unless the commercial and legal basis has been expressly reviewed and approved.
112. NO ARTIFICIAL VOLUME
Participants must not purchase, recycle or circulate funds purely to manufacture:
a. Team volume;
b. rank qualification;
c. generation activity; or
d. reward entitlement.
113. ECONOMIC SUBSTANCE
The Compensation Plan should be designed around genuine ARCBDS ecosystem activity and must not rely principally on endless recruitment.
114. PROGRAMME REVIEW
Legal and Compliance should review the economic structure before activation, including:
a. source of reward funding;
b. reward base;
c. direct reward;
d. generation structure;
e. levels;
f. ranks;
g. qualification rules;
h. consumer impact;
i. marketing treatment;
j. sustainability; and
k. applicable regulatory requirements.
115. REWARD FUNDING
The Reward Schedule shall identify the approved commercial source or accounting treatment of rewards where necessary.
Reward funding must be consistent with:
a. tokenomics;
b. finance policy;
c. legal structure;
d. regulatory obligations; and
e. programme sustainability.
116. NO UNDISCLOSED DEDUCTION FROM PARTICIPANT ALLOCATION
A Referred Participant's confirmed ARCBDS entitlement should not be secretly reduced to fund a referral reward.
If a fee or deduction affects the Referred Participant, it must be disclosed.
117. NO EFFECT ON ALLOCATION PRICE UNLESS DISCLOSED
Using a Referral Code should not alter:
a. Allocation Price;
b. Alignment Reward;
c. token entitlement;
d. release schedule; or
e. other Founding Circle terms
unless an approved programme expressly states otherwise.
118. NO EFFECT ON PROTECTION RESERVE
Referral status does not automatically improve or reduce Protection Reserve eligibility.
Protection Reserve Claims remain governed by the Protection Reserve Terms.
119. REFUND IMPACT
A referred transaction that is refunded may cease to qualify for Rewards.
Associated Rewards may be reversed under these Terms.
120. REWARD ACCOUNT
The ARCBDS Platform may maintain a Reward Account or dashboard showing:
a. Pending Rewards;
b. Approved Rewards;
c. Released Rewards;
d. Paid Rewards;
e. Reversed Rewards;
f. Rank;
g. Level;
h. Team statistics; and
i. other programme data.
121. DASHBOARD ERROR
A dashboard display error does not create an entitlement inconsistent with the approved Reward Schedule and verified underlying records.
Manifest Errors may be corrected.
122. REWARD STATEMENT
ARCBDS may provide periodic Reward statements showing:
a. Reward period;
b. Reward type;
c. Qualifying Activity;
d. Reward calculation;
e. adjustments;
f. reversals;
g. balance; and
h. payout status.
123. PAYOUT WALLET
Digital-asset Rewards may be distributed only to an approved wallet.
The wallet may be subject to:
a. ownership verification;
b. sanctions screening;
c. blockchain analytics;
d. network compatibility; and
e. security controls.
124. THIRD-PARTY PAYOUT WALLET
Rewards should not ordinarily be paid to unrelated third-party wallets.
Exceptions require appropriate verification and Compliance approval.
125. PAYOUT FEES
The Reward Schedule should disclose responsibility for:
a. blockchain fees;
b. withdrawal fees;
c. transaction fees; and
d. other applicable charges.
Current Reward Payout Fee: [●]
126. TAXES
Referrers are responsible for determining their own tax obligations arising from Rewards.
This may include:
a. income tax;
b. corporate tax;
c. withholding tax;
d. VAT or sales tax;
e. self-employment tax; or
f. other taxes,
depending on jurisdiction.
127. TAX DOCUMENTATION
ARCBDS may request:
a. tax residency;
b. tax identification number;
c. invoices;
d. corporate tax information;
e. VAT information; or
f. other legally required tax documentation.
128. WITHHOLDING
ARCBDS may deduct or withhold tax where legally required.
129. REFERRER BUSINESS LICENSING
A Referrer is responsible for maintaining any business, marketing, agency, tax or professional licence legally required for their activities.
130. SANCTIONS
No Reward shall be paid where payment is prohibited by sanctions.
131. AML/CFT
Rewards remain subject to:
a. KYC;
b. AML;
c. CFT;
d. CPF;
e. sanctions;
f. wallet screening; and
g. transaction monitoring.
132. SUSPICIOUS REWARD ACTIVITY
Unusual referral activity may be reviewed for:
a. fraud;
b. money laundering;
c. sanctions evasion;
d. Account manipulation;
e. false identities;
f. related-party abuse; and
g. artificial transaction volume.
133. REWARD HOLD
ARCBDS may place a Reward on hold while conducting legitimate:
a. compliance review;
b. fraud review;
c. refund review;
d. transaction review;
e. Account security review; or
f. legal investigation.
134. NO TIPPING OFF
ARCBDS may be legally restricted from explaining certain AML-related Reward holds in detail.
135. ERRONEOUS REWARD
If ARCBDS incorrectly credits a Reward because of a system or calculation error, it may correct the error.
Corrections shall maintain an audit trail.
136. UNDERPAYMENT
Where a Referrer proves that ARCBDS underpaid a valid Reward, ARCBDS shall correct the amount following verification.
137. OVERPAYMENT
Where ARCBDS overpays because of a Manifest Error, it may lawfully seek correction or recovery.
138. REWARD DISPUTE
A Referrer may dispute:
a. attribution;
b. reward calculation;
c. generation placement;
d. Rank;
e. Level;
f. reversal;
g. payout; or
h. another programme decision.
139. DISPUTE PERIOD
A Reward dispute should ordinarily be submitted within:
30 CALENDAR DAYS
after the relevant Reward statement or decision.
This does not remove mandatory legal rights.
140. DISPUTE INFORMATION
The Referrer should provide:
a. Referrer ID;
b. Referral Code;
c. Referred Participant reference where appropriate;
d. Reward period;
e. disputed amount;
f. reason; and
g. supporting evidence.
141. INTERNAL REVIEW
ARCBDS may review:
a. referral attribution;
b. system logs;
c. KYC status;
d. transaction records;
e. Refunds;
f. Team structure;
g. programme rules;
h. fraud indicators; and
i. Reward Schedule.
142. FINAL INTERNAL DECISION
The internal decision may:
a. confirm the Reward;
b. increase the Reward;
c. reduce the Reward;
d. reverse the Reward;
e. correct attribution; or
f. reject the dispute.
143. PROGRAMME SUSPENSION
ARCBDS may temporarily suspend a Referral Programme because of:
a. regulatory review;
b. legal changes;
c. fraud;
d. technical failure;
e. programme redesign;
f. abuse;
g. security concerns; or
h. other legitimate reasons.
144. EFFECT OF SUSPENSION
During suspension:
a. new referrals may stop qualifying;
b. new Rewards may stop accruing;
c. existing Pending Rewards may remain pending;
d. compliance reviews may continue; and
e. previously Approved Rewards shall be treated according to applicable terms and law.
145. PROGRAMME TERMINATION
ARCBDS may terminate a Referral Programme subject to:
a. existing contractual rights;
b. Applicable Law;
c. approved Rewards already earned;
d. fraud reviews; and
e. applicable regulatory requirements.
146. NOTICE OF TERMINATION
Where reasonably possible, ARCBDS should give notice before terminating an Active Programme.
Immediate termination may occur where required by law or regulator.
147. NO PERPETUAL PROGRAMME GUARANTEE
ARCBDS does not guarantee that:
a. a Referral Programme will operate forever;
b. percentages will never change;
c. Generations will never change;
d. Ranks will never change; or
e. future reward campaigns will continue.
148. CHANGES TO FUTURE REWARDS
ARCBDS may modify future Reward terms subject to:
a. appropriate notice;
b. programme terms;
c. Applicable Law; and
d. regulatory requirements.
149. ACCRUED REWARDS
A programme change should not arbitrarily eliminate Rewards already finally earned under the applicable terms, subject to fraud, error, reversal and legal restrictions.
150. NEW REWARD SCHEDULE
Each material Reward Schedule update should identify:
a. version;
b. effective date;
c. changed rates;
d. changed qualification;
e. changed generations;
f. changed ranks;
g. changed caps;
h. changed payout terms; and
i. whether renewed acceptance is required.
151. VERSION CONTROL
ARCBDS shall maintain:
a. Terms version;
b. Reward Schedule version;
c. effective date;
d. previous versions;
e. acceptance records where applicable; and
f. change history.
152. ELECTRONIC ACCEPTANCE
Referrers may accept these Terms electronically.
Electronic acceptance shall be governed by the ARCBDS Electronic Communications & E-Sign Consent.
153. TERMINATION OF REFERRER STATUS
ARCBDS may terminate Referrer status for:
a. fraud;
b. sanctions;
c. misleading marketing;
d. unauthorised collection of funds;
e. fake Accounts;
f. self-referral abuse;
g. regulatory breach;
h. spam;
i. misuse of Personal Data;
j. impersonation;
k. unauthorised investment advice;
l. repeated prohibited claims; or
m. other material breach.
154. TEMPORARY SUSPENSION OF REFERRER
ARCBDS may temporarily suspend a Referrer while investigating suspected misconduct.
155. REWARD TREATMENT AFTER REFERRER TERMINATION
The treatment of Rewards following termination may depend on:
a. whether they were finally earned;
b. whether fraud occurred;
c. whether the underlying activity remained valid;
d. Applicable Law; and
e. the Reward Schedule.
156. FRAUDULENT REWARDS AFTER TERMINATION
Fraudulently generated Rewards do not become valid merely because Referrer status later ends.
157. VOLUNTARY WITHDRAWAL
A Referrer may stop participating in the Referral Programme.
Stopping referral activity does not automatically cancel:
a. Founding Circle participation;
b. ARCBDS entitlement; or
c. other unrelated ecosystem rights.
158. ACCOUNT CLOSURE
Closing the ARCBDS Account normally ends future referral eligibility.
Treatment of previously earned Rewards shall follow the applicable programme rules.
159. DEATH
Where a Referrer dies, treatment of finally earned unpaid Rewards shall depend on:
a. Applicable Law;
b. estate documentation;
c. Reward Schedule;
d. KYC of authorised representative; and
e. legal succession.
Future generation Rewards are not automatically inheritable unless the programme expressly provides otherwise.
160. ASSIGNMENT
Referral status and Team structures may not be assigned or sold without written approval.
161. SUCCESSION OF CORPORATE REFERRER
A corporate merger, acquisition or restructuring may require approval before referral rights transfer to another entity.
162. INTELLECTUAL PROPERTY
Referrers may use ARCBDS branding only in accordance with approved brand guidelines.
163. DOMAIN NAMES
Referrers must not register misleading domains such as:
a. official-arcbds-[country];
b. arcbds-investment;
c. arcbds-guaranteed;
or another domain falsely implying official ownership.
164. SOCIAL MEDIA ACCOUNTS
Referrer accounts should not impersonate official ARCBDS accounts.
Where appropriate they should identify themselves as:
Independent ARCBDS Community / Referral Participant
or another approved description.
165. LOGO USE
Use of the ARCBDS logo may be subject to written brand permission.
166. NO ALTERATION OF LOGO
Referrers should not alter official logos to imply:
a. government endorsement;
b. regulator endorsement;
c. insurance;
d. guaranteed returns; or
e. another false relationship.
167. TRAINING
ARCBDS may require Referrers to complete training covering:
a. ARCBDS fundamentals;
b. Founding Circle terms;
c. risk;
d. marketing rules;
e. KYC/AML;
f. Protection Reserve;
g. prohibited claims;
h. referral compliance; and
i. jurisdiction restrictions.
168. TRAINING AS QUALIFICATION
Where stated in the Reward Schedule, completion of required compliance training may be a condition of active Referrer status.
169. MONITORING
ARCBDS may reasonably monitor public referral marketing to identify:
a. false claims;
b. fake Accounts;
c. non-compliant promotions;
d. misleading content; and
e. brand misuse.
170. CORRECTION REQUEST
ARCBDS may require a Referrer to:
a. delete content;
b. correct content;
c. add a disclaimer;
d. stop a campaign;
e. update outdated terms; or
f. remove misleading claims.
171. FAILURE TO CORRECT
Failure to correct material non-compliant content may result in suspension or termination.
172. REPORTING MISCONDUCT
Participants may report suspected referral misconduct to:
Referral Compliance: [●]
173. WHISTLEBLOWING
Good-faith reporting of serious fraud or compliance concerns should not result in retaliation.
174. REFERRAL PROGRAMME AUDIT
ARCBDS may periodically audit:
a. reward calculations;
b. Team structures;
c. Referrer eligibility;
d. KYC;
e. marketing conduct;
f. payout records;
g. fraud controls; and
h. regulatory compliance.
175. REWARD LIABILITY
ARCBDS's obligation to pay a Reward arises only where:
a. an Active Programme exists;
b. the Referrer qualifies;
c. the Referred Participant qualifies where relevant;
d. Qualifying Activity occurred;
e. the Reward Schedule applies;
f. no reversal event exists;
g. compliance requirements are satisfied; and
h. payment is lawful.
176. NO GUARANTEE OF TEAM ACTIVITY
ARCBDS does not guarantee:
a. referral conversion;
b. Team growth;
c. Team volume;
d. Rank attainment;
e. Rank maintenance; or
f. Reward income.
177. NO GUARANTEED COMMUNITY GROWTH
Marketing statements concerning global expansion, community growth or expected Participant numbers are not guarantees of Referrer earnings.
178. NO INVESTMENT RETURN THROUGH REFERRAL PLAN
Referral Rewards are compensation under the applicable programme.
They must not be presented as an investment yield generated merely by holding ARCBDS.
179. REWARD VERSUS ALIGNMENT REWARD
The following are separate:
Alignment Reward
Additional ARCBDS allocated according to the Participant's Founding Circle category.
Referral Reward
Compensation earned under an Active Referral Programme.
They must not be confused.
180. REWARD VERSUS PROTECTION RESERVE
Referral Rewards are not funded or guaranteed by the Participant Protection Reserve unless an approved legal structure expressly states otherwise.
The Protection Reserve should not be used to pay ordinary referral commissions unless formally authorised under its governing terms—which the current framework does not contemplate.
181. REFERRER LIABILITY FOR OWN MISCONDUCT
A Referrer may be responsible for losses or regulatory consequences arising from their own:
a. fraud;
b. false representations;
c. unauthorised advice;
d. unlawful spam;
e. Personal Data misuse;
f. misappropriation of Participant funds; or
g. other unlawful conduct.
182. COMPANY LIABILITY
Nothing in these Terms excludes Company liability that cannot legally be excluded.
183. INDEMNITY
To the extent permitted by Applicable Law, a Referrer may be required to indemnify ARCBDS for reasonable losses directly resulting from the Referrer's:
a. intentional fraud;
b. unauthorised guarantees;
c. deliberate regulatory violations;
d. misuse of ARCBDS branding;
e. unlawful collection of Participant funds;
f. unlawful Personal Data use; or
g. other material intentional breaches.
184. FORCE MAJEURE
Reward processing may be delayed by circumstances beyond reasonable control including:
a. blockchain outage;
b. stablecoin disruption;
c. cyberattack;
d. regulatory action;
e. government action;
f. banking disruption;
g. sanctions;
h. war;
i. natural disaster; or
j. other comparable events.
185. REGULATORY CHANGE
If regulation changes, ARCBDS may:
a. suspend rewards;
b. modify reward structures;
c. restrict jurisdictions;
d. remove certain incentive types;
e. require additional disclosures;
f. require Referrer licensing; or
g. terminate a programme.
186. NO COMPENSATION FOR LEGALLY REQUIRED PROGRAMME CHANGE
Where ARCBDS is legally required to cease future referral incentives, future unearned rewards do not become payable merely because the programme was originally expected to continue.
187. CONSUMER RIGHTS
Nothing in these Terms removes consumer rights that cannot lawfully be waived.
188. GOVERNING LAW
These Terms shall be governed by the same governing law applicable to the ARCBDS Founding Circle Participation Agreement, unless a separate Referral Agreement validly provides otherwise.
Final Governing Law: [●]
189. DISPUTE RESOLUTION
Referral disputes shall be resolved under:
[Final approved dispute resolution mechanism: ●]
subject to mandatory legal and regulatory remedies.
190. CONTACT
ARCBDS REFERRAL & REWARDS
Official Website:
www.arcbds.com
Legal Entity:
[●]
Referral Support:
[●]
Reward Support:
[●]
Compliance:
[●]
Marketing Compliance:
[●]
Legal:
[●]
SCHEDULE 1
OFFICIAL REWARD SCHEDULE
STATUS: NOT ACTIVE UNTIL FORMALLY APPROVED
Programme Name
[●]
Effective Date
[●]
Eligible Participants
[●]
Eligible Jurisdictions
[●]
DIRECT REFERRAL
Reward: [●]
Reward Base: [●]
Qualification: [●]
GENERATIONS
Number of Generations: [●]
Generation
Reward
Qualification
Generation 1
[●]
[●]
Generation 2
[●]
[●]
Generation 3
[●]
[●]
Generation 4
[●]
[●]
Generation 5
[●]
[●]
Additional
[●]
[●]
LEVELS
Level
Qualification
Benefit
Level 1
[●]
[●]
Level 2
[●]
[●]
Level 3
[●]
[●]
Level 4
[●]
[●]
Additional
[●]
[●]
RANKS
Rank
Personal Requirement
Team Requirement
Structure Requirement
Reward / Benefit
[Rank 1]
[●]
[●]
[●]
[●]
[Rank 2]
[●]
[●]
[●]
[●]
[Rank 3]
[●]
[●]
[●]
[●]
[Rank 4]
[●]
[●]
[●]
[●]
[Rank 5]
[●]
[●]
[●]
[●]
REWARD ASSET
[USDT / ARCBDS / Points / Other: ●]
REWARD CYCLE
[●]
HOLDING PERIOD
[●]
MINIMUM PAYOUT
[●]
MAXIMUM PAYOUT
[●]
NETWORK FEE
[●]
REWARD EXPIRY
[●]
This Schedule must not be activated until Legal and Compliance approval has been recorded.
SCHEDULE 2
QUALIFYING REFERRAL CHECKLIST
A Referral qualifies only where:
☐ Valid Referral Code / Link used
☐ Referral attribution confirmed
☐ Referred Participant is genuinely new where required
☐ Referred Participant identity verified
☐ KYC/KYB completed
☐ Jurisdiction eligible
☐ Sanctions clear
☐ Required legal documents accepted
☐ Qualifying Activity completed
☐ Contribution accepted where applicable
☐ No Refund / Cancellation disqualification
☐ No duplicate Account
☐ No self-referral
☐ No fraud
☐ Holding period completed where required
☐ Reward Schedule conditions satisfied
Result
☐ Qualifying
☐ Pending
☐ Rejected
☐ Reversed
SCHEDULE 3
REFERRAL ATTRIBUTION RECORD
Referrer ID: [●]
Referral Code: [●]
Referred Participant ID: [●]
Referral Link Event: [●]
Registration Date: [●]
KYC Date: [●]
Qualifying Event: [●]
Attribution Method: [●]
Final Attribution Date: [●]
Adjustment: [●]
Reason for Adjustment: [●]
SCHEDULE 4
REWARD CALCULATION RECORD
Reward Period: [●]
Referrer: [●]
Referrer ID: [●]
Reward Type: [●]
Generation: [●]
Level: [●]
Rank: [●]
Qualifying Activity: [●]
Reward Base: [●]
Reward Rate: [●]
Gross Reward: [●]
Adjustment: [●]
Reversal: [●]
Tax / Withholding: [●]
Fee: [●]
NET REWARD: [●]
Reward Asset: [●]
Status: [●]
SCHEDULE 5
RANK QUALIFICATION RECORD
Referrer: [●]
Current Rank: [●]
Target Rank: [●]
Personal Qualification
[●]
Direct Qualifying Referrals
[●]
Team Qualification
[●]
Generation Qualification
[●]
Required Legs / Structure
[●]
Compliance Status
Approved / Review
Fraud Review
Clear / Review
Result
☐ Rank Achieved
☐ Pending
☐ Not Achieved
☐ Rank Downgraded
Effective Date: [●]
SCHEDULE 6
REWARD REVERSAL MATRIX
Event
Potential Treatment
Referred application rejected
Reward cancelled
Contribution refunded
Related Reward may be reversed
Participation cancelled
Related Reward may be reversed
Self-referral
Reward cancelled
Fake Account
Reward cancelled
Duplicate Account
Reward cancelled
Fraudulent transaction
Reward cancelled / recovered
Attribution error
Correct attribution
System overpayment
Correct / recover excess
Sanctions match
Freeze / prohibit payment
Referral marketing breach
Suspend or terminate subject to rules
Genuine valid activity
Reward remains payable subject to Schedule
SCHEDULE 7
REFERRER CODE OF CONDUCT
Every Referrer must:
☐ Use accurate ARCBDS information
☐ Use current token terms
☐ Explain risk honestly
☐ Disclose compensation where required
☐ Use official Referral Links
☐ Use official payment links
☐ Respect Restricted Jurisdictions
☐ Respect KYC/AML requirements
☐ Respect Personal Data
☐ Respect brand guidelines
☐ Correct errors promptly
☐ Cooperate with Compliance
Every Referrer must not:
☐ Guarantee returns
☐ Guarantee capital
☐ Guarantee liquidity
☐ Guarantee exchange listing
☐ Guarantee buyback
☐ Call the Reserve insurance
☐ Give unauthorised financial advice
☐ Collect funds personally
☐ Hold Participant private keys
☐ Bypass KYC
☐ Use fake Accounts
☐ Self-refer fraudulently
☐ Spam unlawfully
☐ Misuse Personal Data
☐ Invent Rank rules
☐ Invent Reward percentages
☐ Promise special terms
SCHEDULE 8
REFERRAL DISCLOSURE
Where appropriate, a Referrer should disclose substantially:
REFERRAL DISCLOSURE
I participate in the ARCBDS Referral Programme and may receive a reward if you register or complete qualifying activity through my referral link.
My referral relationship does not change the official ARCBDS terms applicable to you.
ARCBDS involves digital-asset risk. Value and liquidity are not guaranteed. Review the official ARCBDS legal documents before participating.
SCHEDULE 9
PROHIBITED REFERRAL CLAIMS
Referrers must not state:
❌ “Guaranteed monthly income.”
❌ “You will definitely earn.”
❌ “Build a team and retire.”
❌ “Lifetime guaranteed passive income.”
❌ “Recruit five people and your capital is recovered.”
❌ “No risk because your team pays you.”
❌ “Your referral income is guaranteed.”
❌ “The more people you recruit, the richer you automatically become.”
❌ “No need to understand ARCBDS—just recruit.”
❌ “Everyone below you pays you.”
❌ “ARCBDS will guarantee your earnings.”
❌ “Join now before this guaranteed opportunity disappears.”
SCHEDULE 10
APPROVED REFERRAL LANGUAGE
Subject to the active Reward Schedule:
✅ “You may be eligible for referral rewards when qualifying conditions are met.”
✅ “Rewards are subject to the official Reward Schedule.”
✅ “Referral earnings are not guaranteed.”
✅ “KYC and eligibility apply.”
✅ “Rewards may be reversed if the underlying transaction is refunded.”
✅ “Compensation varies according to qualifying activity.”
✅ “Referral activity does not change the Participant's ARCBDS allocation terms.”
✅ “I may receive a referral reward if you qualify through my link.”
SCHEDULE 11
REFERRAL MARKETING APPROVAL CHECKLIST
Before a referral campaign:
☐ Reward Schedule approved
☐ Legal review completed
☐ Compliance review completed
☐ Regulatory confirmation obtained where required
☐ Jurisdictions approved
☐ Reward disclosures prepared
☐ Risk warnings included
☐ Referrers trained
☐ KOL arrangements disclosed
☐ Reward period adequate
☐ No misleading FOMO
☐ No guaranteed earnings
☐ No misleading lifestyle imagery
☐ No false scarcity
☐ No unapproved financial advice
☐ Referral links tested
☐ Attribution system tested
☐ Fraud controls tested
☐ Reward reversal system tested
☐ Tax process reviewed
☐ Reward payout wallets configured
SCHEDULE 12
REFERRER ONBOARDING FLOW
Step 1
Participant Account
↓
Step 2
KYC / KYB
↓
Step 3
Jurisdiction Check
↓
Step 4
Referral Terms Acceptance
↓
Step 5
Compliance / Marketing Training
↓
Step 6
Referral Code Issued
↓
Step 7
Referral Link Activated
↓
Step 8
Qualifying Referrals Tracked
↓
Step 9
Reward Validation
↓
Step 10
Fraud / Compliance Review
↓
Step 11
Reward Release
↓
Step 12
Payout / Statement
SCHEDULE 13
REFERRER ACCEPTANCE
Before joining an Active Programme, the Referrer should confirm:
☐ I have read and agree to the ARCBDS Referral & Rewards Terms.
☐ I understand that referral earnings are not guaranteed.
☐ I understand that only the official Reward Schedule determines reward percentages and qualification.
☐ I understand that unofficial presentations or verbal promises do not change the Reward Schedule.
☐ I will not make guaranteed profit or income claims.
☐ I will disclose my referral compensation where required.
☐ I will not provide unauthorised investment advice.
☐ I will not collect Participant funds into my personal wallet.
☐ I will not ask Participants for passwords, OTPs, seed phrases or private keys.
☐ I will comply with KYC, AML and sanctions requirements.
☐ I will not encourage jurisdiction circumvention.
☐ I will not create fake or duplicate Accounts.
☐ I will not manipulate Team volume or Rank qualification.
☐ I understand that refunded or fraudulent activity may cause Reward reversal.
☐ I understand that regulatory changes may affect future Reward programmes.
☐ I understand that Rank or Level status does not guarantee income.
SCHEDULE 14
REFERRAL PROGRAMME GOVERNANCE
Responsibility should be allocated as follows:
BOARD / SENIOR MANAGEMENT
approve material compensation structure;
approve programme risk appetite.
LEGAL
review legality;
review jurisdiction;
review compensation architecture;
review contractual terms.
COMPLIANCE
AML/KYC;
sanctions;
regulatory incentive requirements;
marketing compliance;
fraud escalation.
FINANCE
reward funding;
accounting;
reconciliation;
tax and payout controls.
OPERATIONS
programme administration;
Reward calculations;
participant support.
TECHNOLOGY
attribution;
hierarchy;
reward engine;
audit logs;
fraud controls.
MARKETING
campaign materials;
Referrer materials;
disclosures.
No department should unilaterally change the compensation structure outside the approved governance process.
SCHEDULE 15
REWARD SYSTEM AUDIT
Periodic review should confirm:
☐ Reward rates match Schedule
☐ Direct referrals calculated correctly
☐ Generations calculated correctly
☐ Levels calculated correctly
☐ Ranks calculated correctly
☐ Refunded activity reversed
☐ Fake Accounts removed
☐ Self-referrals detected
☐ Duplicate Accounts detected
☐ Sanctions controls working
☐ Reward caps applied
☐ Reward holds applied correctly
☐ Payouts reconciled
☐ Tax records maintained
☐ Referral disclosures used
☐ Marketing reviewed
☐ Regulatory approval remains valid
SCHEDULE 16
REFERRAL PROGRAMME COMMERCIAL PARAMETERS TO BE FINALISED
Before launch, management must approve:
Direct Referral Reward rate;
Reward Base;
number of Generations;
percentage or amount for each Generation;
Levels;
Rank names;
Rank qualification criteria;
personal qualification requirements;
Team qualification requirements;
structural/leg requirements;
Rank maintenance rules;
Reward asset;
Reward cycle;
Holding Period;
minimum payout;
maximum payout;
reward caps;
reward expiry;
payout fees;
reward reversal rules;
referral attribution method;
referral reassignment rules;
treatment of related-party referrals;
jurisdiction availability;
KOL/influencer compensation rules;
tax and invoice process;
source of Reward funding;
applicable regulatory approvals/confirmations; and
launch date.
Until these are approved:
NO PERSON MAY REPRESENT THEM AS FINAL ARCBDS TERMS.
SCHEDULE 17
FINAL REFERRAL PROGRAMME RISK NOTICE
Referral participation is optional.
Referral Rewards depend on actual qualifying activity and are not guaranteed.
The success of another Participant does not guarantee your success.
Rank does not guarantee income.
Team size does not guarantee income.
ARCBDS market value does not guarantee referral income.
Future Participants are not guaranteed.
Future programme availability is not guaranteed.
Referral activity must therefore not be treated as:
guaranteed employment;
guaranteed passive income;
guaranteed investment return;
guaranteed lifetime income; or
guaranteed financial security.
FINAL REFERRAL PRINCIPLE
The ARCBDS Referral & Rewards Programme should be designed to support genuine ecosystem expansion through compliant introductions and community development.
Its purpose is not to reward:
RECRUITMENT FOR THE SAKE OF RECRUITMENT.
Its purpose should be to recognise:
GENUINE QUALIFYING ECOSYSTEM ACTIVITY.
Accordingly:
REAL PARTICIPANTS.
REAL KYC.
REAL ACTIVITY.
TRANSPARENT REWARD RULES.
NO GUARANTEED INCOME.
NO FAKE ACCOUNTS.
NO MISLEADING MARKETING.
NO CIRCUMVENTION.
COMPLIANCE FIRST.
END OF ARCBDS REFERRAL & REWARDS TERMS