Denali Dollars™ and MPB Quick Cash™ Terms & Conditions

Denali CASH™ and MPB QUICK CASH™ REFERRAL PROGRAM OFFICIAL TERMS AND CONDITIONS

Effective Date: July 30, 2026 | Last Updated: July 30, 2026

ARTICLE I: INTRODUCTION; ACCEPTANCE OF TERMS

Section 1.01 Purpose of the Program. The Denali Dollars™ the MPB QUICK CASH™ Referral Program (“Program”) is a voluntary referral incentive program sponsored by Denali Property Management, Inc. (“Denali”) and its affiliated company, MyPropertyBilling.com, LLC (“MPB”). The Program rewards eligible individuals who introduce qualifying opportunities for (i) Denali’s property management services and (ii) affiliated service offerings by MPB, including back-office accounting, financial management, billing, reporting, software, and related support services. The Program is intended to encourage legitimate, good-faith business introductions. It is not intended to compensate individuals for sales activities, brokerage services, solicitation, or negotiation of management or related contracts. Participation in the Program is voluntary. No person is required to participate, and participation does not create any employment, agency, partnership, brokerage, joint venture, or other legal relationship with Denali. Eligible Participants may receive potential Referral Awards described in the Referral Award Schedule.

Participation in the Program does not guarantee payment. A Referral Award is earned only after all applicable requirements, approvals, milestones, and conditions described in these Terms have been satisfied.

Except where these Terms expressly distinguish between Denali and MPB, references to “Denali” include Denali acting on behalf of the Program, including administration of referrals for services provided by MPB.

Section 1.02 Acceptance of These Terms. By submitting a referral through the Program Website or any other referral method approved by Denali, you acknowledge that you have read, understand, and agree to be legally bound by these Terms and Conditions, as they may be updated from time to time (collectively, the “Terms”). If you do not agree to these Terms, you may not participate in the Program or submit referrals.

Section 1.03 No Obligation to Submit or Accept Referrals. Participation in the Program is entirely voluntary. Denali is under no obligation to accept any referral, pursue any opportunity, contact any property, negotiate with any prospective client, enter into a Qualifying Agreement, continue negotiations, or pay any referral award unless all applicable Program requirements have been satisfied. Nothing in these Terms requires Denali to conduct business with any referred property.

Section 1.04 Not an Employment, Brokerage, or Sales Program. The Program is not an employment agreement, an independent contractor agreement, a commission plan, a brokerage agreement, a real estate referral program, a sales representative agreement, a franchise, an agency relationship, or an offer of future business. Participants are compensated, if at all, solely for qualifying referrals approved under these Terms. Participants may not negotiate contracts, quote pricing, market Denali’s services, make representations on Denali’s behalf, or bind Denali in any manner unless separately authorized in a written agreement signed by Denali.

Section 1.05 No Promise or Guarantee of Payment. Submitting a referral does not create any right to compensation. No payment is earned merely because a referral is submitted, Denali contacts the property, Denali meets with the property, Denali issues a proposal, the referral is validated, negotiations occur, or Denali performs due diligence. A referral payment is earned only after all applicable Program requirements have been satisfied, the applicable payment milestone has been completed, all required documentation has been received, Denali has approved payment in accordance with these Terms, and payment has been authorized through Denali’s internal approval process. Payment of a Validation Award does not create any entitlement to, or presumption of eligibility for, any subsequent referral award.

Section 1.06 Denali’s Administration of the Program; Program Provided “As Is”. Denali administers the Program in accordance with these Terms. The Program, website, submission process, and related materials are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Denali disclaims all warranties, express and implied, regarding the Program, including availability, reliability, accuracy, or uninterrupted operation. Denali does not guarantee that a Referral will be accepted, pursued, result in a Client relationship, or result in payment.

Section 1.06 Right to Modify or Discontinue the Program. Denali reserves the right to modify, suspend, replace, or discontinue the Program, including these Terms, in whole or in part, at any time. Unless expressly stated otherwise, changes apply prospectively and do not affect referral awards that have already been earned under the version of these Terms in effect at the time the applicable payment milestone was satisfied. Denali may also discontinue accepting new referrals at any time without affecting previously earned payment obligations. Changes will not affect Referral Awards that have already been earned.

ARTICLE II. DEFINITIONS

For purposes of these Terms, the following definitions apply.

“Client” means a property owner, condominium association, homeowners association, cooperative, commercial property owner, or other organization that has entered into a Qualifying Agreement.

“Conflict of Interest” exists whenever a Participant’s receipt of a referral payment could reasonably influence, or appear to influence, the Participant’s judgment, duties, loyalty, or obligations to another person or organization. Examples include, but are not limited to:

serving as a director, officer, trustee, or committee member of a referred property or association;
having authority to recommend, select, approve, or supervise Denali on behalf of the referred property;
being subject to an employer policy restricting referral compensation;
receiving compensation that would violate a contractual obligation or fiduciary duty; or
any circumstance in which accepting a referral payment would violate applicable law or ethical obligations.

Participants are solely responsible for determining whether a Conflict of Interest exists and for making any disclosures or obtaining any approvals required by law, contract, governing documents, or organizational policy.

“Denali Referral” means a Referral for property management services offered by Denali.

“Duplicate Referral” is a referral concerning a property that Denali determines has already been submitted through this Program, entered into Denali’s customer relationship management system (“CRM”), identified through Denali’s business development activities, referred by another eligible participant, under active discussion with Denali, the subject of an outstanding proposal, request for proposal, or bid, managed by Denali, or otherwise known to Denali as a current or prospective business opportunity. Denali’s records will govern in determining whether a referral is a Duplicate Referral.

“Eligible Property” is a property that satisfies all Program eligibility requirements, including any geographic, size, operational, legal, and business criteria established by Denali. Eligible Property status does not guarantee that Denali or MPB will pursue the opportunity or enter into a Qualifying Agreement.

“Eligible Referral” means a referral that complies with these Terms, concerns an Eligible Property, is submitted by an eligible Participant, contains sufficient information for Denali to evaluate the opportunity, is not a Duplicate Referral, is submitted in good faith, and satisfies all other Program requirements. An Eligible Referral does not necessarily qualify for payment.

“Go-Live Date” is the date on which Denali begins providing management services under a fully executed management agreement in connection with a Denali Referral. Denali’s business records will determine the Go-Live Date.

“Main Referral Award” is the referral compensation that may become payable after execution of a management agreement (for Denali Referrals), implementation of services, satisfaction of all applicable Program requirements, and any required retention milestone. The Main Referral Award is separate from the Validation Award.

“MPB Referral” means a Referral for services offered by MPB, including back-office accounting, financial operations, billing, reporting, software, and related support services.

“MPB Referral Award” means the referral compensation that may become payable for an MPB Referral resulting in a Qualifying Agreement with MPB, subject to the eligibility requirements, payment criteria, and award schedule established by these Terms.

“Participant” is an individual whom Denali has accepted into the Program and who satisfies these Terms. Participation in the Program does not create employment, agency, brokerage, partnership, or independent contractor status.

“Privacy Policy” means Denali’s online Privacy Policy, as amended from time to time, governing the collection, use, storage, disclosure, and protection of information submitted through the Program.

“Program Website” means the official website designated by Denali for the Program, including any successor website.

“Qualifying Agreement” means a written agreement under which Denali provides qualifying property management services or MPB provides qualifying back-office accounting, financial operations, billing, reporting, software, or related services.

“Referral” means information submitted by a Participant identifying a potential qualifying business opportunity for Denali or MPB. A Referral is merely a submission of information and does not create any contractual right to compensation.

“Referral Award Schedule” means the current award schedules published by Denali for the Program on the Program Website, identifying the available Referral Awards, eligibility criteria, payment milestones, award ranges or maximum amounts, and any service-specific requirements. Denali may modify the Referral Award Schedule prospectively in accordance with these Terms.

“Referral Registration Date” is the date and time Denali records a referral as received through an approved submission method. Denali’s electronic records shall control in determining the Referral Registration Date.

“Referral Award” means any award payable under the Program, including a Validation Award, a Main Referral Award, or an MPB Referral Award, as applicable.

“Retention Milestone” means the Client’s successful completion of approximately thirteen (13) consecutive months of active management services with Denali following the Go-Live Date, while remaining in good standing as determined under Denali’s ordinary business practices. Denali may reasonably adjust the review date to account for billing cycles, implementation timing, or administrative processing.

“Validation” means Denali’s internal determination that a Referral appears to represent a legitimate business opportunity meeting Denali’s initial qualification standards. Validation may include review of the property’s apparent eligibility, referral completeness, available contact information, business viability, conflicts of interest, legal or compliance concerns, duplication review, and any other information Denali reasonably considers relevant.

Validation does not guarantee that Denali will pursue the opportunity, execute a Qualifying Agreement, or issue any future Referral Award.

“Validation Award” is the separate payment that Denali may approve after a Referral successfully completes Validation. The Validation Award is independent of the Main Referral Award. Payment of a Validation Award does not (a) guarantee future compensation, (b) establish that a Referral will become an Eligible Referral, (c) obligate Denali to continue pursuing the opportunity, or (d) create any contractual right to receive a Main Referral Award.

“Website” means the official Denali referral website or any successor website designated by Denali for Program submissions.

ARTICLE III. Participant Eligibility

Section 3.01 General Eligibility. Participation in the Program is limited to individuals approved by Denali who satisfy all eligibility requirements in these Terms. To be eligible to receive a Referral Award, a Participant must, at all relevant times: (a) be at least eighteen (18) years of age; (b) be legally permitted to enter into binding contracts; (c) be authorized to receive referral compensation under applicable law; (d) reside in the United States; (e) provide complete and accurate registration, identity, payment, and tax information requested by Denali; (f) comply with these Terms; and (g) remain eligible through the date any payment is issued. Meeting these minimum requirements does not guarantee acceptance into the Program or entitlement to any Referral Award.

Section 3.02 Individual Participants Only. Unless Denali expressly approves otherwise in writing, Referral Awards are payable only to natural persons. Denali may require payment to be made only to the individual who submitted the Referral, regardless of any private agreement among Participants.

Section 3.03 Non-Conflicted Participants. The Program is intended to reward individuals who are legally and ethically permitted to receive referral compensation. A Participant is not eligible to receive a Referral Award if receiving the payment would (a)(i) violate applicable law, (ii) a contractual obligation, (iii) an employer policy, (iv) an organization’s governing documents, (v) a fiduciary duty, or (vi) an ethical obligation, (b) constitute commercial bribery or an unlawful kickback, or (c) otherwise create an unlawful or impermissible Conflict of Interest. Each Participant is solely responsible for determining whether participation is permitted. Denali may rely upon the Participant’s certifications unless Denali becomes aware of facts reasonably indicating otherwise.

Section 3.04 Participant Certifications. By participating in the Program, each Participant represents and warrants that:

all information submitted is complete and accurate;
participation does not violate any law applicable to the Participant;
participation does not violate any contractual, employment, fiduciary, ethical, or confidentiality obligation;
any required disclosures have been made;
any required approvals or consents have been obtained;
the Participant is legally entitled to receive any Referral Award;
the Participant has submitted the Referral in good faith;
the Referral is based upon the Participant’s own legitimate knowledge or relationship; and
the Participant will promptly notify Denali if any certification becomes inaccurate before payment is made.

Denali may rely upon these certifications when administering the Program.

Section 3.05 Directors, Officers, Trustees, and Other Fiduciaries. Participants who serve as directors, officers, trustees, committee members, managers, or other fiduciaries of a referred organization may participate only if doing so is permitted under applicable law and any governing documents, policies, or fiduciary obligations applicable to the Participant. By submitting a Referral, such Participants represent and warrant that participation is permitted, any required disclosures have been made, any required approvals have been obtained, and receipt of a Referral Award will not violate any legal or fiduciary obligation. Denali may request reasonable documentation supporting these representations before issuing payment. Nothing in the Program requires Denali to determine whether a Participant has satisfied his or her personal legal, ethical, fiduciary, or organizational obligations.

Section 3.06 Employees of Denali. Employees whose regular job responsibilities include business development, sales, property acquisition, account management, marketing, proposal preparation, or obtaining new management contracts are not eligible to receive Referral Awards for opportunities arising from those responsibilities unless Denali expressly approves an exception in writing before the Referral is submitted. Denali may establish separate employee incentive programs independent of this Program.

Section 3,07 Government Officials and Public Employees. Government officials, public employees, elected officials, appointed officials, and employees of public authorities or governmental agencies may not participate if payment would violate any law, ethics rule, procurement rule, or governmental policy. Denali may reject any Referral involving a governmental entity if Denali determines participation presents legal or reputational risk.

Section 3.08 Licensed Professionals. Participants who are subject to professional licensing or regulatory requirements—including attorneys, accountants, engineers, architects, insurance producers, real estate professionals, community association managers, or similar licensed professionals—are solely responsible for ensuring that participation complies with all applicable laws, regulations, ethical rules, and licensing requirements. Denali does not provide legal or professional advice regarding a Participant’s eligibility.

Section 3.09 Identity Verification. Denali may require Participants to provide information reasonably necessary to verify identity and payment eligibility before issuing any Referral Award. Verification may include government-issued identification, proof of address, taxpayer identification information, and any other information reasonably necessary to process payment or comply with law. Failure to provide such information may result in delay or denial of payment.

Section 3.10 Revocation of Eligibility. Denali may suspend or revoke a Participant’s eligibility if Denali reasonably determines that the Participant violated these Terms, submitted inaccurate information, engaged in fraudulent or deceptive conduct, failed to cooperate with an investigation, became legally ineligible to receive payment, presented material legal, compliance, reputational, or business risk, or otherwise failed to satisfy Program requirements. Revocation of eligibility does not affect Denali’s rights under any other provision of these Terms.

Section 3.11 Assignment; Survival. Referral Awards may not be assigned, transferred, pledged, sold, or otherwise conveyed without Denali’s prior written consent. Denali may refuse to recognize any attempted assignment. Each representation, warranty, and certification made by a Participant survives submission of a Referral and any payment issued under the Program. If Denali later determines that any certification was materially inaccurate when made, Denali may exercise any rights available under these Terms, including withholding, offsetting, recovering, or seeking repayment of Referral Awards, subject to applicable law.

ARTICLE IV. ELIGIBLE PROPERTIES; ELIGIBLE REFERRALS

Section 4.01 Purpose; Geographic Area. The Program is intended to reward Participants who introduce Denali to legitimate new qualifying business opportunities that satisfy Denali’s business objectives. Not every property submitted through the Program will qualify for payment. Denali may decline any Referral that does not satisfy these Terms or that Denali determines is not an appropriate business opportunity. At the Effective Date of these Terms, the Program applies only to Eligible Properties located within New Jersey, New York, and Pennsylvania. Denali may expand, reduce, suspend, or discontinue eligible geographic areas at any time.

Section 4.02 Eligible Property Types. Subject to these Terms, the following property types may qualify for consideration: (a) condominium associations; (b) homeowners associations (HOAs); (c) townhome communities; (d) cooperative housing communities; (e) high-rise residential buildings; mixed-use communities; (f) commercial properties; and (g) other property types approved by Denali. Denali may determine whether a property falls within an eligible category.

Section 4.03 Property Size Requirements. Denali primarily seeks referrals involving larger professionally managed communities. Unless Denali approves otherwise, a referred property generally should contain at least the minimum number of residential units, commercial units, or other occupancy units established by Denali for the Program. Denali may modify minimum size requirements at any time. Publication of any minimum size guideline does not obligate Denali to accept or reject any particular Referral.

Section 4.04 Business Suitability. Even if a property otherwise appears to satisfy published eligibility criteria, Denali may determine that the property is not suitable for the Program. Factors Denali may consider include, without limitation, operational fit, anticipated service needs, insurance considerations, legal or regulatory concerns, geographic coverage, existing client relationships, strategic business priorities, and any other legitimate business consideration. Nothing in this Program requires Denali to pursue any particular business opportunity.

Section 4.05 Eligible Referrals. A Referral may become eligible for consideration only if it concerns an Eligible Property, is submitted through an approved submission method, contains sufficient information to identify the opportunity, complies with these Terms, is submitted in good faith, is not excluded under these Terms, and is accepted by Denali for evaluation. Submission alone does not make a Referral eligible for payment.

Section 4.06 Referral Quality Standards. Participants should submit Referrals only when they have a genuine basis for believing the property represents a legitimate opportunity for Denali. A quality Referral generally includes the property’s correct name and address, accurate identifying information, a lawful basis for the referral, information sufficient for Denali to evaluate the opportunity, and any additional information reasonably requested by Denali. Denali may reject incomplete, speculative, inaccurate, or unsupported Referrals.

Section 4.07 New Business Opportunities Only. The Program rewards introductions to new business opportunities. A Referral is generally not eligible if Denali determines that the property is already managed by Denali, is already known to Denali, is already contained within Denali’s CRM, is already being evaluated by Denali, is already in Denali’s sales pipeline, has already been contacted by Denali, is already subject to negotiations with Denali, has an active proposal pending with Denali, has recently completed discussions with Denali, has previously been referred through this Program, or otherwise does not represent a new business opportunity. Denali’s internal business records govern these determinations.

Section 4.08 Duplicate Referrals. Only one Referral Award may be paid with respect to a particular property. If multiple Participants submit Referrals concerning the same property, Denali may determine which Referral, if any, qualifies for consideration. In making that determination, Denali may consider factors including, but not limited to, Referral Registration Date, completeness of the submission, quality of the information provided, whether the Referral materially advanced the opportunity, whether the Participant had a legitimate relationship to the opportunity, and whether the Referral satisfied these Terms. Denali is not required to divide or share Referral Awards among multiple Participants.

Section 4.09 No Referral Ownership; Qualification Window. Submitting a Referral does not give a Participant exclusive ownership of a property, business opportunity, prospective client, or relationship. Unless Denali approves otherwise in writing, a Denali Referral may qualify for a Main Referral Award only if Denali executes a management agreement and commences management services within twelve (12) months after the Referral Registration Date. After that period expires, no Main Referral Award will be payable in connection with such Denali Referral unless Denali expressly determines otherwise. No Referral Award is earned merely because a Referral is submitted, Denali contacts a property, meetings occur, proposals are prepared, negotiations take place, or Validation is completed.

ARTICLE V. REFERRAL SUBMISSION; VALIDATION; PAYMENT MILESTONES

Section 5.01 Approved Submission Methods. Referrals must be submitted through the official Denali Referral website or another submission method expressly approved by Denali. Denali may reject Referrals submitted through unauthorized channels. A Referral is considered received only after it has been successfully recorded in Denali’s systems. Depending on the nature of the Referral, different validation procedures, payment milestones, award schedules, and eligibility requirements may apply. Denali may determine, in its sole discretion, whether a Referral is evaluated for Denali’s property management services or for services offered by MPB. Participants have no right to require that a Referral be evaluated by a particular business entity.

Section 5.02 Information Required. Participants must provide complete and accurate information reasonably requested by Denali. Depending on the opportunity, Denali may request information such as property name, property address, property type, approximate number of units or buildings, contact information for the property or its representatives, if lawfully obtained, the Participant’s relationship to the opportunity, an explanation of why the Participant believes the opportunity may be appropriate for Denali, and any additional information reasonably necessary to evaluate the Referral. Denali may reject incomplete submissions.

Section 5.03 Salesforce as Administrative Record. Denali’s designated customer relationship management system, including Salesforce or any successor system, is Denali’s official administrative record for Program activity. Denali’s records control determinations regarding Referral Registration Date, Duplicate Referrals, approval status, payment status, milestone completion, and Program history, unless there is clear evidence of administrative error. Participation in the Program does not grant Participants any right of access to, Denali systems, CRM records, internal evaluations, approval records, other Participants’ submissions, Client files, financial analyses, or other confidential information of Denali.

Section 5.04 Good Faith Requirement. Each Referral must be submitted honestly and in good faith. Participants should submit Referrals only when they reasonably believe the information is accurate, the opportunity is genuine, they are legally permitted to submit the information, and the Referral complies with these Terms.

Section 5.05 Validation Review. After a Referral is received, Denali may conduct a validation review. Validation is an internal business review intended to determine whether the Referral appears to represent a legitimate opportunity for further evaluation. Validation may include review of property eligibility, duplication, referral quality, available contact information, apparent business opportunity, conflicts of interest, legal or compliance issues, fraud indicators, and other factors Denali reasonably considers relevant. Denali is not obligated to validate every Referral.

Section 5.06 MPB Referral Award. Following Validation of an MPB Referral, Denali may approve an MPB Referral Award in the amount described in the Referral Award Schedule for an MPB Referral that satisfies Denali’s validation standards and all applicable Program requirements. An MPB Referral becomes eligible for an MPB Referral Award only after satisfying the requirements set forth in Section 8.03, is subject to all eligibility, compliance, tax, identity verification, and payment requirements, and does not guarantee future compensation. Denali may decline to issue an MPB Referral Award if these Terms have not been satisfied, if payment would present legal or compliance concerns, or if the Participant has not completed all required documentation.

Section 5.07 Validation Award. Following Validation of a Denali Referral, Denali may approve a Validation Award in the amount described in the Referral Award Schedule for a Referral that satisfies Denali’s validation standards and all applicable Program requirements. A Validation Award is a separate incentive from the Main Referral Award, may be approved only after Validation of a Denali Referral is completed, is subject to all eligibility, compliance, tax, identity verification, and payment requirements, does not guarantee future compensation, and does not establish that a Denali Referral qualifies for a Main Referral Award. Denali may decline to issue a Validation Award if these Terms have not been satisfied, if payment would present legal or compliance concerns, or if the Participant has not completed all required documentation.

Section 5.08 Main Referral Award and Payment Requirements. A Participant may become eligible for a Main Referral Award only after all applicable requirements have been satisfied. At a minimum, eligibility requires an Eligible Referral, successful Validation, execution of a written management agreement between Denali and the referred Client, commencement of management services by Denali, satisfaction of all required documentation and payment requirements, and continued compliance with these Terms. No Main Referral Award is earned unless and until all applicable conditions have been satisfied and Denali has approved payment in accordance with these Terms.

Section 5.09 Referral Awards and Payment Milestones. The maximum potential Main Referral Award for a qualifying Referral is determined by Denali’s published Referral Award Schedule, as amended from time to time. Published award amounts are maximum potential awards only and do not guarantee payment of any particular amount. Denali may determine the actual amount of any Main Referral Award after considering the characteristics, value, complexity, anticipated revenue, profitability, strategic importance, and overall business circumstances of the opportunity.

Unless Denali announces otherwise, approved Main Referral Awards will generally be paid in two installments.

Implementation Installment – The first installment may become payable after execution of the management agreement, commencement of management services, completion of implementation, and satisfaction of all applicable Program requirements.
Second Installment – The second installment may become payable after the Client has remained under Denali management for approximately thirteen (13) consecutive months following the Go-Live Date while remaining in good standing under Denali’s ordinary business practices.

Denali may adjust payment timing for administrative processing, payment verification, legal review, or other reasonable business purposes.

ARTICLE VI. PARTICIPANT RESPONSIBILITIES; PROHIBITED CONDUCT

Section 6.01 Participant Standards. Participants are expected to act honestly, professionally, ethically, and in good faith when participating in the Program. Participants must comply with these Terms and all applicable federal, state, and local laws, regulations, court orders, professional obligations, and contractual duties.

Section 6.02 Accuracy of Information. Participants must ensure that all information submitted to Denali is true, complete, and accurate to the best of their knowledge. Participants must promptly notify Denali if they learn that previously submitted information was materially inaccurate or incomplete.

Section 6.03 Good Faith Participation. Participants agree that the Program is intended to reward legitimate business introductions. Participants shall not use the Program to speculate, guess, mass-submit properties, generate nuisance referrals, or otherwise attempt to obtain Referral Awards without providing genuine business value.

Section 6.04 Lawful Information and Privacy Compliance. Participants may submit only information that they are legally permitted to disclose. Participants must comply with applicable privacy, confidentiality, contractual, fiduciary, and legal obligations when submitting a Referral. Unless expressly requested by Denali, Participants must not submit confidential, proprietary, privileged, or sensitive information, including personal financial information, government-issued identification numbers, medical information, attorney-client communications, executive session materials, or any information the Participant is not authorized to disclose. Participants represent and warrant that they have all rights and permissions necessary to provide the information submitted through the Program. Denali may reject, delete, redact, or decline to review any submission that appears to present confidentiality, compliance, privacy, or legal concerns.

Section 6.05 No Commercial Bribery or Improper Payments. Participants shall not use the Program to offer or provide bribes, offer kickbacks, influence procurement decisions unlawfully, circumvent ethics rules, evade employer policies, conceal conflicts of interest, or obtain improper business advantages. If a Referral Award cannot lawfully be accepted, no payment will be made.

Section 6.06 Artificially Generated or Fabricated Referrals. Participants may not submit Referrals that are fabricated, fictitious, materially false, intentionally misleading, generated through automated systems without legitimate supporting information, created solely to obtain Program payments, or otherwise lacking a genuine factual basis. The use of artificial intelligence or automated tools to organize information is not prohibited, but Participants remain fully responsible for the accuracy, truthfulness, and legitimacy of every Referral submitted.

Section 6.07 No Mass Submission Programs. Participants may not submit bulk property lists, scrape public databases for speculative submissions, use automated submission software, flood the Program with low-quality Referrals, or otherwise attempt to overwhelm the Program. Denali may establish reasonable submission limits.

Section 6.08 No Circumvention. Participants may not attempt to circumvent these Terms by submitting Referrals through another person’s account, using nominee payees, creating multiple accounts, submitting the same property under different names, concealing ownership interests, splitting Referrals to increase payments, or engaging in any similar scheme.

Section 6.09 Duty to Cooperate. Participants agree to cooperate with reasonable requests from Denali relating to Referral verification, payment processing, identity verification, conflict reviews, fraud investigations, tax compliance, or administration of the Program. Failure to cooperate may result in delayed or denied payment.

Section 6.10 Continuing Duty. The obligations in this Article continue throughout participation in the Program and survive any payment issued under the Program to the extent necessary to enforce these Terms.

ARTICLE VII. INVESTIGATION AND REVIEW; PAYMENT CONTROLS; ENFORCEMENT RIGHTS

Section 7.01 Program Review and Investigation. Denali may review, investigate, verify, audit, or evaluate any Referral, Participant, payment request, or Referral Award at any time to administer, protect, and enforce the Program. Denali may take any reasonable steps it considers appropriate, including reviewing Referral information, verifying Participant identity and eligibility, and confirming property information, evaluating duplicate submissions, reviewing Conflicts of Interest, requesting supporting documentation, contacting individuals or organizations connected with a Referral, reviewing payment history, investigating suspected violations, and consulting legal, tax, compliance, or other professional advisors. Denali may rely on information provided by Participants but may investigate or request additional information whenever Denali reasonably determines that further review is appropriate. Denali’s internal records, evaluation methods, approval procedures, financial analyses, and compliance reviews are Confidential Information and are not required to be disclosed to Participant.

Section 7.02 Participant Cooperation. Participants must reasonably cooperation with Denali’s administration of the Program, including requests relating to Referral verification, identity verification, tax documentation, payment processing, reviews of Conflicts of Interest, suspected misconduct, fraud prevention, or compliance matters. Participants must provide accurate and complete information and promptly respond to reasonable requests from Denali. Failure to cooperate, provide requested information, or complete required documentation may result in suspension, denial, or delay of payment. Participants may report suspected fraud, misuse, Conflicts of Interest, or violations of these Terms through channels designated by Denali. Denali may investigate such reports but is not required to disclose investigation results.

Section 7.03 Payment Controls. No Referral Award will be paid unless it has completed Denali’s internal approval process. Internal approval requirements may change from time to time. Denali may suspend, delay, reduce, withhold, or deny payment if Denali reasonably determines that (a) the Referral does not satisfy Program requirements; (b) the Participant is not eligible to receive payment; (c) required documentation or information has not been provided; (d) the Referral contained materially inaccurate, incomplete, or misleading information; (e) the Participant has an undisclosed disqualifying conflict; (f) the Referral involves prohibited conduct; (g) payment will violate applicable law or is obtained improperly or where required by sanctions; or (h) any other condition for payment was not satisfied. Denali may correct administrative or calculation errors relating to Referral Awards. To the extent permitted by law, Denali may offset future payments or seek repayment of amounts paid in error or improperly obtained.

Section 7.04 Enforcement and Program Integrity. Denali may take reasonable action to protect the integrity of the Program, including suspending or terminating participation, denying payment, recovering improperly issued payments, restricting future participation, or exercising other rights available under these Terms. Denali may take action when conduct is inconsistent with the purpose of the Program, including attempts to obtain payments without providing legitimate business value, circumvention of these Terms, fraudulent activity, inaccurate certifications, undisclosed Conflicts of Interest, misuse of the Program, or other conduct that creates legal, compliance, operational, or reputational concerns. Denali’s rights and remedies under these Terms are cumulative.

ARTICLE 8: REFERRAL AWARDS; PAYMENT TERMS; TAX REQUIREMENTS

Section 8.01 Referral Award Structure. A Denali Referral may qualify for two separate types of payments: (a) a Validation Award, which may be paid after successful completion of Denali’s validation process; and (b) a Main Referral Award, which may be paid after a Denali Referral results in a qualifying Client relationship and satisfies all applicable payment milestones. Each payment type is independent and subject to these Terms. No Participant is entitled to receive either payment unless all applicable requirements have been satisfied.

Section 8.02 Maximum Main Referral Award Schedule. The current maximum Main Referral Award amounts are set forth in the Referral Award Schedule. Denali may modify the Main Referral Award categories, maximum amounts, or qualification standards at any time in accordance with these Terms.

Section 8.03 MPB Referral Award Structure. An MPB Referral may qualify for an MPB Referral Award if: (a) the MPB Referral satisfies all applicable Program requirements; (b) MPB enters into a Qualifying Agreement with the referred customer; (c) the customer has a recurring monthly service fee of the minimum required amount set forth in the Referral Award Schedule; and (d) all other eligibility, documentation, compliance, tax, and payment requirements have been satisfied. The amount of the MPB Referral Award shall be described in the Referral Award Schedule.

Section 8.04 Award Determination and Maximum Potential Payments. The applicable maximum award category does not automatically determine the amount payable. Denali may establish internal financial criteria for evaluating Referral Awards, and it may determine the actual Referral Award amount after considering the complete circumstances of the opportunity. Denali may advertise potential Referral Awards of up to certain maximum amounts based on qualifying property characteristics. The phrase “up to” means the maximum amount potentially available under the Program and does not constitute a promise that a Participant will receive that amount. Any published award schedule is intended only to communicate potential award levels and does not disclose Denali’s confidential business criteria. Different award schedules, qualification criteria, and payment calculations may apply to different categories of qualifying services.

Section 8.05 First Referral Award Installment. A first Main Referral Award installment may become payable only after Denali and the referred Client have executed a written management agreement, Denali has begun providing management services, implementation requirements have been completed, all required documentation has been received, the Participant remains eligible, and Denali has approved payment.

Section 8.06 Retention Installment. A second Main Referral Award installment may become payable after the applicable Retention Milestone has been satisfied. The purpose of the retention installment is to reward successful, lasting Client relationships. If the Client relationship does not satisfy the Retention Milestone, no retention installment is owed.

Section 8.07 Changes to Client Relationship. A Referral Award is based on the initial qualifying Client relationship only. No additional Main Referral Award or MPB Referral Award is owed if the Client renews its agreement, expands services, changes service scope, changes ownership, signs a replacement agreement, terminates and later returns, merges with another entity, or enters into additional agreements with Denali.

Section 8.08 Payment Timing and Method. Denali will generally process approved Referral Awards after completion of all applicable requirements. Payment timing may depend on internal approval processes, documentation review, tax verification, payment processing, banking requirements, legal review, and administrative considerations. Failure to pay immediately after a milestone does not mean Denali has denied a Referral Award or breached these Terms. Denali may determine the payment method used for Referral Awards. Participants must provide accurate payment information before payment can be issued.

Section 8.09 Tax Documentation and Responsibility. Before receiving any Referral Award, Participants must provide all tax documentation reasonably requested by Denali. This may include IRS Form W-9, taxpayer identification information, payment information, identity verification documentation, and other information required for tax reporting or payment compliance. Denali may withhold payment until required documentation is received. Participants are solely responsible for determining and paying all taxes arising from Referral Awards. Denali does not provide tax advice. Participants acknowledge that Referral Awards may constitute taxable income and may be reported to tax authorities as required by applicable law. Denali may report Referral Awards to federal, state, or local taxing authorities when required by law. Denali’s issuance of tax reporting documents, including IRS Forms 1099 where applicable, does not determine or limit a Participant’s tax obligations.

Section 8.10 No Employment Benefits. Referral Awards are not wages, salary, employee compensation, or benefits. Participation in the Program does not create eligibility for payroll benefits, retirement benefits, health benefits, unemployment benefits, workers’ compensation coverage, or any other employment-related benefit.

Section 8.11 No Interest, Penalties, or Guaranteed Future Awards. Referral Awards do not accrue interest, penalties, or finance charges regardless of the timing of payment. Past Referral Awards do not create any right to future participation, future payment levels, or continued operation of the Program. Denali may change or discontinue future Referral Awards as permitted under these Terms.

Section 8.12 Payment Is Personal to the Participant. Referral Awards are payable only to the approved Participant identified in Denali’s records. Denali is not responsible for disputes among Participants or third parties regarding ownership, allocation, or sharing of any Referral Award. Any private agreement to divide or share a Referral Award is solely between the parties to that agreement unless Denali expressly agrees otherwise in writing before payment is authorized.

Section 8.13 Payment Timing; No Interest. Denali will generally endeavor to issue approved Referral Awards within a reasonable period after all applicable conditions have been satisfied and all required documentation has been received. Estimated payment timeframes are administrative goals only and do not create contractual deadlines. Referral Awards do not accrue interest, finance charges, or late-payment penalties, regardless of when payment is issued.

Section 8.14 Administrative Corrections. Denali may correct clerical, mathematical, typographical, or administrative errors relating to Referral Awards at any time. If Denali discovers that an incorrect amount has been paid, Denali may adjust future payments or seek repayment of any overpayment, subject to applicable law.

ARTICLE IX. BOARD MEMBERS; EMPLOYEES; SPECIAL PARTICIPANT RULES

Section 9.01 Conflicts of Interest and Fiduciary Participants. A Participant who serves as a condominium board member, HOA director, cooperative board member, trustee, committee member, officer, or other fiduciary of a referred property or organization, must disclose that relationship to Denali at the time of submission. Such Participants represent and warrant that (a) they are legally permitted to submit the Referral; (b) they are legally permitted to receive compensation; (c) they will make all disclosures required by law or governing documents; (d) they will obtain any approvals required by law, governing documents, or organizational policies; and (e) their participation does not improperly influence or interfere with the referred organization’s decision-making process. Denali may rely upon Participant’s representations and certifications without independent investigation unless Denali reasonably determines further review is appropriate. Denali may deny payment, suspend participation, or seek recovery of payments if a Participant fails to disclose a material conflict, provides inaccurate conflict information, receives payment improperly, violates fiduciary or legal obligations, or causes Denali to incur legal, compliance, or reputational risk.

Section 9.02 Payment to Associations or Organizations. In circumstances involving a board member, fiduciary, employee, or other person whose receipt of compensation may create a concern, Denali may, in its discretion, pay the individual, require payment to the organization instead, require additional documentation, decline payment, or take another approach consistent with applicable law. Denali is not required to restructure payment arrangements.

Section 9.03 Employee Participation. Denali employees may participate only if permitted under Denali’s internal policies and applicable compensation arrangements. An employee is not eligible for a Referral Award for opportunities arising from assigned job duties, prospects already within the employee’s responsibilities, opportunities included within the employee’s territory or account responsibilities, referrals that duplicate existing compensation arrangements, or any matter Denali determines should be handled through another compensation program. Denali may approve written exceptions where appropriate. Denali may establish additional restrictions for employees who supervise other employees, approve contracts, approve payments, manage sales processes, influence vendor selection, or otherwise have authority affecting Program administration.

Section 9.04 Referral Sharing and Split Payments. Participants may not divide, assign, or share Referral Awards without Denali’s prior written approval. Any requested split payment must be disclosed before payment approval, identify all proposed recipients, include required tax documentation, satisfy eligibility requirements for each recipient, and be approved by Denali. Denali may approve, reject, modify, or decline any split-payment request.

ARTICLE X. PRIVACY; DATA USE; CONFIDENTIALITY; INFORMATION SECURITY

Section 10.01 Purpose of Information Collection. Denali collects and processes information submitted through the Program for purposes including administering the Program, evaluating Referrals, validating opportunities, contacting prospective Clients, preventing fraud and abuse, processing payments, complying with legal obligations, maintaining business records, conducting audits and investigations, and improving Program operations. Denali will use information consistent with these Terms and Denali’s applicable Privacy Policy.

Section 10.02 Participant Information Responsibilities. Participants may be required to provide information including, but not limited to, name, contact information, identity verification information, tax information, payment information, Referral details, relationship information, conflict disclosures, and other information reasonably necessary to administer the Program. Participants must provide accurate and complete information. By submitting a Referral, the Participant represents and warrants that (a) the Participant has a lawful basis to provide the information; (b) the submission does not violate privacy rights; (c) the submission does not violate confidentiality obligations; (d) the submission does not violate contractual obligations; (e) the Participant has not improperly obtained the information; and (f) the information may be reviewed by Denali for Program purposes. Participants may not submit, unless specifically requested by Denali: Social Security numbers, driver’s license numbers, passport information, financial account information, payment card information, medical information, health records, passwords, security credentials, confidential legal communications, attorney-client privileged materials, private resident information, confidential personnel information, nonpublic financial records, or other protected information. Denali may disregard, delete, or refuse to process information that is unnecessary, inappropriate, or creates legal or compliance concerns.

Section 10.03 Use of Referral Information. Denali may use Referral information to evaluate business opportunities, contact prospective Clients, communicate with property representatives, conduct internal reviews, perform compliance checks, prevent fraud, process payments, defend legal claims, maintain records, improve business operations, and perform other legitimate business purposes. Denali is not required to pursue any Referral.

Section 10.04 Sharing of Information. Denali may share information as reasonably necessary with employees, affiliates, contractors, payment processors, tax professionals, legal advisors, compliance providers, technology providers, auditors, and other service providers assisting with Program administration. Denali may also disclose information when required by law, legal process, or governmental authority.

Section 10.05 Participant Confidentiality Obligations. Participants must protect confidential information they receive from Denali. Participants may not disclose or use Denali confidential information except as necessary to participate in the Program.

Section 10.06 Data Security. Denali will maintain reasonable administrative, technical, and organizational safeguards designed to protect Program information. However, Participants acknowledge that no electronic system is completely secure, internet transmissions involve risk, Denali cannot guarantee absolute security, and Participants are responsible for protecting their own account credentials and information.

Section 10.07 Participant Account Security. Participants must protect any account credentials used to access the Program. Participants may not share account credentials, allow others to submit Referrals through their account, provide false identity information, or permit unauthorized use of their account. Participants are responsible for activity occurring through their account unless caused by Denali’s error.

Section 10.08 Communications; Record Retention. By participating in the Program, Participants consent to receive communications relating to Referral submissions, validation status, payment processing, tax documentation, Program updates, compliance matters, and administrative notices. Denali communications will be handled in accordance with applicable law. Participation in the Program does not automatically authorize Denali to send promotional communications unrelated to Program administration. Any marketing communications will be handled in accordance with applicable law and Denali’s Privacy Policy. Denali may retain Program records for periods determined by Denali’s business, legal, tax, accounting, compliance, and operational requirements.

Section 10.09 Confidentiality Does Not Limit Legal Obligations. Nothing in these Terms prevents a Participant from complying with legal obligations, Denali from complying with law, disclosure required by subpoena, court order, or governmental request, or use of information necessary to enforce these Terms.

Section 10.10 Survival. Confidentiality obligations under this Article survive termination of participation and continue for so long as the information remains confidential or protected under applicable law.

ARTICLE XI. INTELLECTUAL PROPERTY; MARKETING RESTRICTIONS; NO AUTHORITY TO REPRESENT DENALI

Section 11.01 Independent Participation; No Agency or Authority. Participation in the Program does not create an agency, employment, partnership, joint venture, fiduciary franchise, or other legal relationship between Denali and Participants, and Participants have no authority to act on Denali’s behalf unless separately authorized in writing. Participants act solely as independent individuals who may introduce potential business opportunities to Denali in accordance with these Terms. Without Denali’s prior written authorization, Participants have no authority to act for or bind Denali in any manner. Without limitation, Participants may not negotiate contracts or pricing, prepare proposals, make promises, warranties, guarantees, or representations regarding Denali or its services, bind Denali to any obligation, hold themselves out as representing Denali, or use Denali’s name, logo, trademarks, slogans, or branding, create websites or social media accounts using Denali’s identity, publish advertisements on Denali’s behalf, issue press releases referencing Denali, or create promotional materials suggesting sponsorship, endorsement, or authority. Participants may introduce prospective opportunities and provide Referral information but may not conduct sales activities or otherwise represent Denali or MPB. Any unauthorized statement, commitment, representation, or agreement made by a Participant is solely the responsibility of that Participant and is not binding upon Denali. Nothing in this Program grants any Participant any ownership interest in Denali’s intellectual property or any license to use Denali’s trademarks, service marks, trade names, logos, copyrighted materials, or other proprietary rights except as expressly authorized in writing by Denali.

Section 11.02 Approved Program Descriptions. Denali may provide approved language describing the Program. Participants may use only approved descriptions when communicating about the Program, Referral Awards, Denali services, or Denali’s relationship with Participants. Denali may require Participants to correct or remove inaccurate communications. Participants may not state or imply that a Referral Award is guaranteed, a specific payment amount will be paid, a property qualifies before Denali approval, Denali has agreed to provide services, a management contract will be awarded, or Denali has approved any business arrangement unless Denali has expressly confirmed such information in writing.

Section 11.03 Participant Content; Removal of Unauthorized Materials. If a Participant submits written materials, comments, suggestions, or other content relating to the Program, the Participant grants Denali permission to use that content for Program administration and improvement purposes. This does not transfer ownership of the Participant’s independent intellectual property. Denali may require a Participant to immediately remove or correct any communication, advertisement, website, social media post, or other material that improperly uses Denali branding, creates confusion regarding affiliation, contains inaccurate information, violates these Terms, or creates legal, regulatory, or reputational risk.

Section 11.04 No Public Endorsement. Participation in the Program does not mean that Denali endorses, sponsors, employs, partners with, or recommends any Participant. Denali may publicly identify Program participants only if Denali chooses to do so.

Section 11.05 Survival. The restrictions in this Article survive termination of participation in the Program.

ARTICLE XII. PROGRAM CHANGES; TERMINATION; DISPUTE RESOLUTION; GENERAL TERMS

Section 12.01 Program Administration. Denali owns and controls the administration of the Program. Denali may establish reasonable procedures, requirements, and internal processes necessary to operate the Program.

Section 12.02 Program Modification. Denali may modify, update, suspend, replace, or terminate any portion of the Program at any time.

Section 12.03 Effect of Program Changes. Changes to the Program generally apply prospectively. Unless otherwise stated by Denali, a Referral will be evaluated under the Terms in effect when the Referral was properly submitted. However, Denali may apply updated requirements where reasonably necessary to comply with law, prevent fraud, address abuse, correct administrative issues, protect Program integrity, or address material business concerns.

Section 12.04 Program Suspension or Termination. Denali may suspend or terminate the Program generally, a Participant’s participation, a Referral, payment eligibility, pending awards, or any account if Denali determines that suspension or termination is appropriate. Reasons may include violation of these Terms, suspected fraud, inaccurate information, legal concerns, conflicts of interest, misuse of the Program, reputational concerns, failure to provide documentation, or business considerations.

Section 12.05 Effect of Termination. Termination of the Program or a Participant’s participation does not affect rights or obligations that arose before termination. However, no Referral Award is owed unless all applicable requirements for earning that award were satisfied before termination or Denali otherwise agrees in writing.

Section 12.06 Informal Resolution Requirement. Before initiating formal proceedings, a Participant must first provide Denali with written notice describing the nature of the dispute, the Referral involved, the amount allegedly owed, supporting facts, and the requested resolution. The parties will attempt in good faith to resolve the matter informally. This requirement does not prevent either party from seeking emergency relief where appropriate.

Section 12.07 Individual Arbitration Agreement. Except as otherwise provided below, any dispute, claim, or controversy arising out of or relating to the Program, these Terms, participation in the Program, Referral Awards, payment decisions, or the relationship between Denali and a Participant shall be resolved exclusively through confidential, individual arbitration. The arbitration shall be conducted by arbitration administered by the American Arbitration Association, under its Commercial Arbitration Rules, except as modified by these Terms.

Section 12.08 No Class Actions or Representative Proceedings. To the fullest extent permitted by law, Participants agree that disputes must be brought only on an individual basis. Participants waive any right to participate as a class member, class representative, private attorney general, collective claimant, or representative party in any proceeding involving the Program.

Section 12.09 Exceptions to Arbitration. Either party may seek relief in court for emergency injunctive relief, protection of confidential information, protection of intellectual property rights, unauthorized use of Denali branding, unauthorized access to systems, fraud prevention measures, or enforcement of an arbitration award.

Section 12.10 Arbitration Location and Procedure. Unless otherwise required by applicable law, arbitration will be conducted in the state where Denali’s principal office is located. Proceedings will be conducted in English. The arbitrator may award only individual relief, and the arbitrator may not modify these Terms. The arbitrator’s decision may be entered as a judgment in any court of competent jurisdiction.

Section 12.11 Attorneys’ Fees and Costs. Each party will generally bear its own attorneys’ fees and costs unless applicable law provides otherwise, the Commercial Arbitration Rules provide otherwise, or the arbitrator determines an award of fees is appropriate.

Section 12.12 Governing Law; Venue. These Terms and the Program are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles. To the extent a dispute may properly proceed in court, the parties consent to jurisdiction and venue in state or federal courts located in New Jersey.

Section 12.13 Electronic Communications, Consent, and Records. By creating a Program account, checking an acceptance box, clicking an acceptance button, submitting a Referral, or otherwise electronically confirming acceptance, the Participant agrees to conduct transactions electronically and consents to receive Program-related communications electronically. Participant acknowledges that electronic records maintained by Denali, including logs, timestamps, account records, referral submissions, communications, and payment records, may be used to establish participation in the Program, acceptance of these Terms, and Program activity. Electronic acceptance has the same legal effect as a handwritten signature. Denali’s electronic acceptance process may require Participant to review these Terms, affirmatively acknowledge agreement, provide required information, and complete additional authentication or confirmation steps.

Section 12.14 Notices. Denali may provide notices relating to the Program through email, the Program Website, Participant accounts, electronic messages, written communications, or other reasonable methods. Participants are responsible for maintaining accurate contact information.

Section 12.15 Assignment. Participants may not assign or transfer their participation rights or potential Referral Awards without Denali’s written approval. Denali may assign or transfer its rights and obligations relating to the Program.

Section 12.16 No Waiver. Denali’s failure to enforce any provision of these Terms does not waive Denali’s right to enforce that provision later.

Section 12.17 Severability. If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions remain effective to the fullest extent permitted by law.

Section 12.18 Entire Agreement. These Terms, together with the applicable Referral Award Schedule, constitute the complete agreement governing participation in the Program. Marketing materials, presentations, brochures, advertisements, social media posts, FAQs, verbal statements, emails, or other communications are provided for informational purposes only and do not modify these Terms or the applicable Referral Award Schedule unless expressly Denali expressly states otherwise. If there is any conflict between these Terms and any promotional materials, these Terms shall govern.

Section 12.18 Survival. Any provision that by its nature should survive termination will survive, including provisions relating to payment obligations, confidentiality, intellectual property, dispute resolution, limitations of authority, tax obligations, indemnification obligations, and enforcement rights.

ARTICLE XIII. PARTICIPANT INDEMNIFICATION; LIABILITY RESPONSIBILITY

Section 13.01 Participant Responsibility for Conduct. Participants are responsible for their own acts, omissions, communications, representations, and compliance obligations arising from participation in the Program. Denali is responsible only for its own obligations expressly stated in these Terms.

Section 13.02 Participant Indemnification Obligation. To the fullest extent permitted by applicable law, Participant agrees to defend, indemnify, and hold harmless Denali, MPB, and each of their affiliates, owners, officers, directors, employees, agents, contractors, and representatives from and against claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to Participant’s breach of these Terms, Participant’s violation of applicable law, Participant’s submission of inaccurate, misleading, unauthorized, or unlawful information, Participant’s violation of privacy rights or confidentiality obligations, Participant’s breach of fiduciary, employment, contractual, or professional obligations, Participant’s unauthorized representations regarding Denali, Participant’s use of Denali’s name, trademarks, or materials without authorization, Participant’s improper solicitation or marketing activities, Participant’s fraud, misconduct, or intentional wrongdoing, or any claim arising from conduct for which Participant is responsible.

Section 13.03 Third-Party Claims. If a third party asserts a claim against Denali arising from Participant’s conduct, Denali may require Participant to assist with the defense of that claim. Participant agrees to provide reasonable cooperation, information, and assistance.

Section 13.04 Control of Defense. Denali may control the defense, settlement, and resolution of any claim for which indemnification is sought. Participant may not settle any claim involving Denali without Denali’s written approval. Denali will not unreasonably interfere with a Participant’s participation in the defense of a claim.

Section 13.05 No Indemnification for Denali Misconduct; Limitation of Liability. Nothing in these Terms requires Participant to indemnify Denali for losses caused solely by Denali’s own intentional misconduct, fraud, unlawful conduct, or breach of these Terms. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER DENALI, MPB, NOR ANY OF THEIR AFFILIATES SHALL BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THE PROGRAM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. The aggregate liability of Denali, MPB, and their affiliates shall not exceed the amount of Referral Awards actually earned by the Participant and unpaid.

Section 13.06 Participant Financial Responsibility. Participants acknowledge that participation in the Program may involve legal, tax, contractual, or professional obligations outside Denali’s control. Participants are solely responsible for obtaining legal advice if needed, understanding their obligations, obtaining required approvals, complying with employer or organizational rules, determining tax consequences, and evaluating whether participation is appropriate.

Section 13.07 Limitation of Participant Authority. Participants acknowledge that they cannot create liability for Denali through unauthorized actions. Denali is not responsible for obligations, promises, statements, or commitments made by Participants outside the authority granted under these Terms.

Section 13.08 Force Majeure. Denali will not be liable for any delay, failure, suspension, or interruption of the Program caused by events beyond Denali’s reasonable control, including natural disasters, governmental actions, labor disputes, technology failures, internet disruptions, or other similar events. Denali may suspend, modify, or delay Program operations as reasonably necessary due to such events.

ARTICLE XIV. PARTICIPANT ACKNOWLEDGMENT; ELECTRONIC ACCEPTANCE

Section 14.01 Participant Certification. By participating in the Denali Dollars™ and the MPB QUICK CASH™ Referral Program, Participant acknowledges and agrees that:

Participant has read and understands these Terms;
Participant understands that submission of a Referral does not guarantee payment;
Participant understands that Referral Awards are earned only after satisfaction of applicable requirements;
Participant understands that Denali controls Program administration and approval decisions;
Participant understands that Denali may investigate, delay, deny, adjust, or recover payments as permitted by these Terms;
Participant understands Participant’s responsibility to comply with applicable laws, contracts, policies, and fiduciary obligations;
Participant understands Participant is responsible for the accuracy and legality of submitted information;
Participant understands Participant is not a Denali employee, agent, broker, or representative unless separately authorized in writing; and
Participant agrees to be legally bound by these Terms.

Section 14.02 Authority to Accept Terms. Participant represents that (a) Participant is legally capable of entering into this agreement; (b) Participant is at least 18 years old; (c) Participant has authority to accept these Terms; (d) all information provided to Denali is accurate; and (e) Participant will update Denali if required information changes.