Syarat Program Afiliat MyBicara

Versi 1.0 · Dikemaskini 12 April 2026

Terima kasih kerana berminat menyertai Program Afiliat MyBicara. Dengan menghantar borang permohonan afiliat, anda bersetuju dengan syarat-syarat berikut.

1. Kelayakan

• Anda mesti berumur 18 tahun ke atas dan warganegara Malaysia atau pemastautin tetap.
• Anda mesti mempunyai langganan MyBicara yang aktif (bulanan RM27/bulan atau tahunan RM270/tahun). Pengguna percuma tidak layak menyertai program ini.
• Anda mesti melengkapkan proses eKYC (pengesahan identiti) dan menyediakan maklumat bank yang sah atas nama anda sendiri.
• Satu orang, satu akaun afiliat. Kami mengenal pasti pendua melalui nombor IC, cap jari kad, dan tandatangan peranti.

2. Cara Komisen Dikira

Kadar komisen anda ditentukan oleh tier semasa anda, yang dikira berdasarkan purata pelanggan aktif selama 60 hari:

• Starter (1–20 subs): 15%
• Active (21–100 subs): 20%
• Builder (101–500 subs): 25%
• Leader (501–2,000 subs): 30%
• Elite (2,001–5,000 subs): 35%
• Partner (5,001+): 40%

Komisen dikira ke atas jumlah kasar pembayaran pelanggan (tidak termasuk cukai dan yuran gerbang pembayaran). Sebagai contoh, pada tier Builder (25%), setiap langganan tahunan RM270 menghasilkan komisen RM67.50.

Komisen MLM (Multi-Level)

• Direct: Komisen penuh untuk pelanggan yang anda rujuk secara langsung.
• Override L1 (10%): Apabila afiliat yang anda rekrut membawa pelanggan mereka sendiri, anda menerima 10% perbezaan kadar.
• Match Bonus (5%): 5% daripada komisen yang diperoleh oleh recruit anda secara langsung.

3. Tempoh Kunci & Pembayaran

• Langganan tahunan: Komisen dikunci selama 45 hari selepas pembayaran pelanggan untuk melindungi daripada chargeback.
• Langganan bulanan bulan pertama: Dibahagikan 50/50 — separuh dibayar selepas 30 hari (aktivasi), separuh lagi selepas bulan kedua (pengekalan).
• Langganan bulanan berulang: Dikunci 7 hari sahaja.
• Pembayaran: Dibuat setiap bulan (pada 15 haribulan) untuk afiliat yang mempunyai baki minimum RM50 yang tersedia.
• Pembayaran dibuat melalui pindahan bank tempatan (DuitNow) ke akaun bank yang didaftarkan. Nama akaun mesti sepadan dengan IC anda.

4. Tempoh Tarik Balik (Cooling-Off)

Mengikut keperluan DSAP (Direct Sales Act 1993), anda mempunyai tempoh tarik balik 10 hari dari tarikh kelulusan afiliat anda. Dalam tempoh ini, anda boleh membatalkan penyertaan tanpa penalti melalui e-mel kepada affiliate@mybicara.com. Komisen hanya mula dikira selepas tempoh tarik balik tamat.

5. Aktiviti Dilarang

• Rujukan diri sendiri: Tidak dibenarkan mencipta langganan baru menggunakan kod anda sendiri atau melalui ahli keluarga yang tinggal di alamat sama. Pelanggaran akan mengakibatkan pembatalan komisen dan penggantungan akaun.
• Spam: Jangan menghantar e-mel, SMS, atau mesej WhatsApp pukal yang tidak diminta. Gunakan saluran yang sah dan beretika.
• Tuntutan palsu: Jangan mendakwa MyBicara adalah "terapi", "rawatan", atau "ubat" untuk autisme. MyBicara adalah alat pembelajaran Bahasa Malaysia, bukan intervensi perubatan.
• Pelanggaran jenama: Jangan menggunakan logo atau nama MyBicara tanpa kebenaran bertulis. Jangan membeli iklan Google Ads atau Meta Ads menggunakan kata kunci jenama "MyBicara".
• Velocity abnormal: Kami mengehadkan kepada 5 komisen tahunan baru dalam mana-mana tempoh 30 hari untuk 60 hari pertama anda. Lonjakan di luar had ini akan dibekukan untuk semakan manual.

6. Chargeback & Pembatalan

Jika pelanggan yang anda rujuk meminta refund, membuat chargeback, atau membatalkan langganan mereka dalam tempoh kunci 45 hari, komisen yang berkaitan akan dibatalkan. Jika baki tersedia anda tidak mencukupi, baki negatif akan ditolak daripada komisen akan datang.

7. Cukai (CP58)

Komisen adalah pendapatan kasar sebelum cukai dan anda bertanggungjawab untuk melaporkannya kepada LHDN. Jika jumlah pembayaran tahunan anda melebihi RM5,000, kami akan memfailkan borang CP58 kepada LHDN bagi pihak anda dan anda akan menerima salinan PDF melalui papan pemuka afiliat anda pada bulan Mac setiap tahun.

8. Penamatan

MyBicara berhak menamatkan akaun afiliat anda pada bila-bila masa atas alasan berikut: pelanggaran syarat, aktiviti penipuan, ketidakaktifan melebihi 12 bulan, atau penutupan program. Pada penamatan, semua komisen tersedia yang layak akan dibayar dalam kitaran pembayaran terakhir; komisen dikunci yang belum dibebaskan akan dilucuthakkan jika penamatan disebabkan oleh pelanggaran.

9. Tempoh Komisen

Komisen berterusan selagi pelanggan yang anda rujuk kekal aktif dan membayar langganan mereka. Tiada had masa — selagi mereka melanggan, anda menerima komisen berulang.

10. Privasi & Data

Pengumpulan dan pemprosesan data peribadi anda tertakluk kepada Dasar Privasi MyBicara. Data KYC anda disimpan dengan selamat dan dikongsi hanya dengan pembekal eKYC bertauliah dan pihak berkuasa apabila diperlukan oleh undang-undang.

11. Perubahan Kepada Syarat

Kami boleh mengemaskini syarat-syarat ini. Perubahan ketara akan dimaklumkan melalui e-mel sekurang-kurangnya 14 hari sebelum berkuatkuasa. Dengan terus menggunakan program ini selepas tarikh berkuatkuasa, anda dianggap menerima syarat yang dikemaskini.

12. Hubungi Kami

Soalan, pertikaian, atau permohonan penamatan: affiliate@mybicara.com

MyBicara Affiliate Programme Terms

Version 1.0 · Updated 12 April 2026

Thank you for your interest in joining the MyBicara Affiliate Programme. By submitting the affiliate application form, you agree to the following terms.

1. Eligibility

• You must be at least 18 years old and a Malaysian citizen or permanent resident.
• You must hold an active MyBicara subscription (monthly RM27/month or yearly RM270/year). Free users are not eligible.
• You must complete eKYC (identity verification) and provide valid bank account details in your own name.
• One person, one affiliate account. We detect duplicates via IC number, card fingerprint, and device signatures.

2. How Commission Is Calculated

Your commission rate is determined by your current tier, computed from your 60-day trailing average of active subscribers:

• Starter (1–20 subs): 15%
• Active (21–100 subs): 20%
• Builder (101–500 subs): 25%
• Leader (501–2,000 subs): 30%
• Elite (2,001–5,000 subs): 35%
• Partner (5,001+): 40%

Commission is calculated on the gross payment amount (excluding tax and payment gateway fees). For example, at the Builder tier (25%), each RM270 yearly subscription produces RM67.50 in commission.

MLM Commissions (Multi-Level)

• Direct: Full commission on subscribers you personally referred.
• Override L1 (10%): When an affiliate you recruited brings in their own subscribers, you receive 10% differential override.
• Match Bonus (5%): 5% of commissions earned by your direct recruits.

3. Lock Periods & Payouts

• Yearly subscriptions: Commission is locked for 45 days after subscriber payment to protect against chargebacks.
• First-month monthly subscriptions: Split 50/50 — half paid after 30 days (activation), half after the second month (retention).
• Recurring monthly subscriptions: Locked for 7 days only.
• Payouts: Issued monthly (on the 15th) to affiliates with a minimum available balance of RM50.
• Payouts are sent via local bank transfer (DuitNow) to your registered bank account. Account holder name must match your IC.

4. Cooling-Off Period

In compliance with Malaysia's Direct Sales Act 1993 (DSAP), you have a 10-day cooling-off period from the date your affiliate application is approved. During this window, you may cancel your participation without penalty by emailing affiliate@mybicara.com. Commission accrual only begins after the cooling-off period ends.

5. Prohibited Activities

• Self-referrals: You may not create new subscriptions using your own referral code, or via household members at the same address. Violations will result in commission voiding and account suspension.
• Spam: Do not send unsolicited bulk emails, SMS, or WhatsApp messages. Use legitimate and ethical channels only.
• False claims: Do not claim that MyBicara is a "therapy," "treatment," or "cure" for autism. MyBicara is a Bahasa Malaysia learning tool, not a medical intervention.
• Brand infringement: Do not use MyBicara logos or name without written permission. Do not bid on "MyBicara" brand keywords via Google Ads or Meta Ads.
• Abnormal velocity: We cap new yearly commissions at 5 per 30-day rolling window during your first 60 days. Spikes above this are frozen pending manual review.

6. Chargebacks & Cancellations

If a subscriber you referred requests a refund, files a chargeback, or cancels their subscription within the 45-day lock window, the associated commission will be voided. If your available balance is insufficient, a negative balance will be deducted from future commissions.

7. Tax (CP58)

Commissions are gross pre-tax income and you are responsible for reporting them to LHDN. If your yearly payout exceeds RM5,000, we will file a CP58 form with LHDN on your behalf, and you will receive a PDF copy via your affiliate dashboard each March.

8. Termination

MyBicara reserves the right to terminate your affiliate account at any time for: breach of terms, fraudulent activity, inactivity exceeding 12 months, or programme shutdown. Upon termination, all eligible available commissions will be paid in the final payout cycle; unreleased locked commissions will be forfeited if termination is due to breach.

9. Commission Duration

Commission is continuous for as long as the subscriber you referred remains active and paying. There is no time limit — as long as they maintain their subscription, you receive recurring commission.

10. Privacy & Data

Collection and processing of your personal data is governed by the MyBicara Privacy Policy. Your KYC data is stored securely and shared only with licensed eKYC providers and authorities where required by law.

11. Changes to These Terms

We may update these terms. Material changes will be announced via email at least 14 days before taking effect. By continuing to use the programme after the effective date, you accept the updated terms.

12. Contact

Questions, disputes, or termination requests: affiliate@mybicara.com