Chính sách Cộng tác viên | Affiliate Partner Policies

1.1. Information We Collect

When you register and operate as an Affiliate Partner (Advisor/Leader/Manager), we collect:

• Full name, date of birth, national ID/passport number, issue date and place
• Permanent address and contact address
• Phone number, email address
• Bank account details (for commission payments)
• System-assigned affiliate code, role, referral code
• Contract signing information: signing timestamp, OTP phone number, verification channel (Zalo/SMS)
• Activity data: keys created, sales volume, commissions earned

1.2. Purpose of Use

Collected information is used to:

• Verify identity and legal eligibility of affiliates
• Draft, sign, and store affiliate contracts
• Calculate and pay commissions on time
• Manage license keys and system permissions
• Send OTP notifications, contract addenda, and commission statements via Zalo/SMS
• Comply with personal income tax obligations (10% withholding at source)
• Handle disputes or complaints if any

1.3. Data Storage & Security

• Data is stored on Supabase (PostgreSQL) infrastructure with full encryption at rest and in transit (TLS 1.3)
• OTPs are hashed and automatically deleted after use or upon 5-minute expiry
• Bank account details are stored as plain text — affiliates are responsible for keeping them up to date
• Access is strictly role-based: affiliates see only their own data; Leaders/Managers see only data within their branch

1.4. Retention Periods

• Registration files and contracts: at least 5 years after partnership ends (per Accounting Law and tax regulations)
• Commission and transaction data: 10 years for tax reconciliation purposes
• OTP codes: automatically deleted after 5 minutes or upon use
• Inactive accounts (24+ consecutive months) will be notified before cold storage

1.5. Your Data Rights

Under Decree 13/2023/ND-CP, you have the right to:

• Access: View all your personal data in the "Advisor Profile" section of the Portal
• Correct: Update phone number and avatar directly on the Portal; other legal information requires email request
• Delete: Submit account deletion request by email — processed within 72 business hours (some data must be retained by law)
• Complaint: Contact info@phongthuylinhson.com or visit our office directly

2.1. Commission Structure

• Advisor: Earns a personal commission percentage (as stated in the contract) on individual net revenue
• Leader: Earns an additional 5% on the net revenue of all Advisors under their branch
• Manager: Earns an additional 3% on total net revenue of the entire branch (including Leaders and Advisors)
• Individual commission rates are specified in the contract and may be adjusted via a signed Contract Addendum

2.2. Eligible Revenue

• Commissions are calculated on actual collected revenue = the price of fully paid keys
• Keys with uncollected debt are NOT included in the commission base until payment is received
• Cancelled, refunded, or fraudulent keys are excluded from the commission base

2.3. Personal Income Tax Withholding

Example: Commission earned VND 10,000,000 → 10% PIT withheld = VND 1,000,000 → Affiliate receives VND 9,000,000

2.4. Payment Schedule

• Cut-off date: 30th of each month (all sales within the month are settled)
• Payment date: Before the 10th of the following month (T+10)
• If the 10th falls on a public holiday, payment is made on the next business day
• Detailed commission statements are sent by email at least 3 business days before payment

2.5. Payment Method

• Direct bank transfer to the affiliate's registered account as stated in the contract
• Affiliates are responsible for promptly notifying changes to their bank account details
• Phong Thuy Linh Son is not responsible for payment errors resulting from incorrect account information

2.6. Commission Disputes

Affiliates may review detailed commission statements on the Portal and raise disputes directly with their Manager/Admin within 7 days of receiving the statement. After this period, the figures are considered confirmed.

3.1. Key Creation & Approval Process

• Affiliates initiate a key request on the Portal with complete customer information
• The request is submitted to the Manager/Admin for approval before activation
• Once approved, the key is activated and may be delivered to the customer
• Affiliates with Moderator rights may self-approve their own key requests

3.2. Affiliate Responsibilities

• Do not create fake or test keys for non-real customers
• Do not transfer or resell keys above the regulated price
• Collect outstanding debts on time — debts over 30 days will affect the next commission cycle
• Do not share keys with anyone outside the registered customer in the system

3.3. Key Types & Validity

• Monthly: 30 days from activation date
• Semi-annual: 180 days from activation date
• Annual: 365 days from activation date
• Keys expire automatically and do not auto-renew — affiliates should proactively contact customers for renewal

3.4. Key Refund Policy

• Activated keys that have been used: non-refundable
• Keys with technical errors caused by Phong Thuy Linh Son: replacement key or 100% refund
• Refund disputes must be reported within 72 hours of the issue occurring

4.1. Legal Validity of OTP Signatures

Under the Electronic Transactions Law 2023 (effective July 1, 2024) and Decree 13/2023/ND-CP, confirmation via OTP sent to a registered phone number constitutes a form of electronic identity verification, equivalent to a handwritten signature for internal contracts between affiliates and Phong Thuy Linh Son.

4.2. OTP Process

• OTP consists of 6 digits, valid for 5 minutes
• Priority delivery via Zalo ZNS (if the phone number has Zalo); automatic SMS fallback if Zalo is unavailable
• Each phone number may only have 1 active OTP at a time — a new request cancels the previous one
• A used OTP is invalidated immediately and cannot be reused

4.3. OTP Security Responsibility

If you receive an OTP without initiating any action, contact us immediately to check your account security.

4.4. Signing Log Retention

All OTP-based signing actions are permanently recorded with the following details:

• Document identifier being signed
• Phone number that received the OTP
• Confirmation timestamp (date, hour, minute, second — UTC+7 timezone)
• OTP delivery channel (Zalo/SMS)
• IP address of the confirming device

This log may be extracted as evidence in the event of a dispute.

5.1. Eligibility Requirements

• Individual aged 18 or above, with full legal capacity
• Valid national ID/passport and a bank account in the applicant's own name
• Not currently serving a court sentence or under a business prohibition by law
• Completed full registration and signed the contract via OTP process

5.2. Affiliate Commitments

• Advise customers honestly, without exaggerating or misleading about products/services
• Do not use Phong Thuy Linh Son's branding for personal purposes without authorization
• Do not engage in or recruit customers into activities resembling illegal multi-level marketing
• Keep internal information, pricing, and system policies confidential
• Proactively update personal and banking information when changes occur
• Comply with individual tax obligations (Phong Thuy Linh Son withholds 10% at source)

5.3. Affiliate Benefits

• Receive full, on-time commission payments per the signed contract and addenda
• Access product knowledge training and sales support
• Be promoted to Leader/Manager/Distribution Head upon meeting eligibility criteria
• Receive timely policy change notifications via Portal and email
• View contracts, addenda, and transaction history on the Portal at any time
• Receive PIT withholding tax certificates upon request

5.4. Termination of Partnership

• Voluntary termination: Written/email notice 30 days in advance. Commissions accrued up to the termination date will be paid within 30 business days
• Immediate termination by Phong Thuy Linh Son if an affiliate: breaches confidentiality, commits key data fraud, changes selling prices without authorization, or damages the company's reputation
• Portal account is locked immediately upon contract termination. Historical data is retained per Section 1.4

5.5. Support Contact