Affiliate Program Agreement

Affiliate Program Agreement

We know legal documents are often boring but… it is important that we are both clear about a few things. So, indulge us and read through this agreement… please! It is a legal formality.

Our affiliates are very important to us. We do our best to treat you with the fairness and respect. We ask the same consideration of you.

If you have any questions, please don’t hesitate to let us know. For the quickest responses please email us at info (at) businessthinking (dot) com.


Please read the entire agreement.

You may print this agreement for your records.

This is a legal agreement between you and the Business Thinking Institute LLC (dba and

By submitting this online application, you are agreeing that you have read, understand and agree with the terms and conditions in this agreement, and that you are legally responsible for every term and condition. 


This Agreement contains the complete terms and conditions that apply to you becoming an affiliate in Business Thinking Institute’s Affiliate Program. The purpose of this Agreement is to allow HTML linking between your web site and the and/or web site. Please note that throughout this Agreement, “we,” “us,” and “our” refer to the Business Thinking Institute LLC, and “you,” “your,” and “yours” refer to the affiliate.

Affiliate Obligations

2.1 To begin the enrollment process, you will complete and submit the online application on one of our websites. The fact that we auto-approve applications does not imply that we may not re-evaluate your application at a later time. We may reject your application at our sole discretion. We may cancel your application if we determine that your site is unsuitable for our Program, including if it:

  • Promotes sexually explicit materials
  • Promotes violence
  • Promotes discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age
  • Promotes illegal activities
  • Incorporates any materials which infringe or assist others to infringe on any copyright, trademark or other intellectual property rights or to violate the law
  • Includes “Business Thinking” or “MIT Ram Iyer” or variations or misspellings thereof in its domain name
  • Is otherwise in any way unlawful, harmful, threatening, defamatory, obscene, harassing, or racially, ethnically or otherwise objectionable to us in our sole discretion
  • Contains software downloads that potentially enable diversions of commission from other affiliates in our program
  • You have created or designed your website or any other website that you operate, explicitly or implied in a manner which resembles our website, or may customers to believe you are and/or or any other affiliated business
  • A coupon website

2.2 As a member of Business Thinking Institute LLC’s Affiliate Program, you will have access to Affiliate Account Manager. Here you will be able to review our Program’s details, download HTML code (that provides for links to web pages within the web site) and banner creatives, and get an affiliate link. In order for us to accurately keep track of all guest visits from your site to ours, you must use the HTML code that we provide for each banner, text link, or other affiliate link we provide to you.

2.3 The Business Thinking Institute LLC reserves the right, at any time, to review your placement and approve the use of Your Links and require that you change the placement or use to comply with the guidelines provided to you.

2.4 The maintenance and the updating of your site will be your responsibility. We may monitor your site as we feel necessary to make sure that it is up-to-date and to notify you of any changes that we feel should enhance your performance, or in violation of our agreement.

2.5 It is entirely your responsibility to follow all applicable intellectual property and other laws that pertain to your site. You must have express permission to use any person’s copyrighted material, whether it be a writing, an image, or any other copyrightable work. We will not be responsible if you use another person’s copyrighted material or other intellectual property in violation of the law or any third-party rights. You are solely responsible for such infringements.

2.6 Use of logo. Our logos cannot be altered or changed. You cannot use our logo as a part of a derivative logo.

2.7 Social Media/Social Networking Sites. You are prohibited from creating groups or specific web pages in social communities to publicize the Business Thinking Institute’s offers.

2.8 If you send email or direct communications to your network, you cannot make claims about the effectiveness or efficacy of the programs we offer without consultation and approval from the Business Thinking Institute.

2.9 You many not send unsolicited emails to prospects without their opt-in. Any such communications must conform to CAN-SPAM and include features such as a link to unsubscribe.


Business Thinking Institute’s Rights and Obligations

 3.1 We have the right to monitor your site at any time to determine if you are following the terms and conditions of this Agreement. We may notify you of any changes to your site that we feel should be made, or to make sure that your links to our web site are appropriate and to notify further you of any changes that we feel should be made. If you do not make the changes to your site that we feel are necessary, we reserve the right to terminate your participation in the Business Thinking Institute’s Affiliate Program.

3.2 Business Thinking Institute reserves the right to terminate this Agreement and your participation in the Business Thinking Institute’s Affiliate Program immediately and without notice to you should you commit fraud in your use of the Business Thinking Institute’s Affiliate Program or should you abuse this program in any way. If such fraud or abuse is detected, Business Thinking Institute shall not be liable to you for any commissions for such fraudulent sales.

3.3 This Agreement will begin upon our acceptance of your Affiliate application, and will continue unless terminated hereunder.


Either you or we may end this Agreement AT ANY TIME, with or without cause, by giving the other party written notice. Written notice can be in the form of mail, email or fax. In addition, this Agreement will terminate immediately upon any breach of any aspect of this Agreement by you.


 We may modify any of the terms and conditions in this Agreement at any time at our sole discretion. If the Business Thinking Institute changes this Agreement, we will provide you notice of these changes, such as by sending an email or posting an announcement in the affiliate platform. Modifications may include, but are not limited to, changes in the payment procedures and Business Thinking Institute’s Affiliate Program rules. If any modification is unacceptable to you, your only option is to end this Agreement. Your continued participation in Business Thinking Institute’s Affiliate Program following the posting of the change notice or new Agreement on our site will indicate your agreement to the changes.


Business Thinking Institute’s affiliates will be paid on a monthly basis to their provided Paypal address. Kindly review the payment network’s payment terms and conditions. Commission will be calculated and paid only on completed orders that are not refunded, cancelled or refunded.

Access to Affiliate Account Interface

You will create a password so that you may enter Business Thinking Institute’s secure affiliate account interface. From their site you will be able to receive your reports that will describe our calculations of the commissions due to you.

Promotion Restrictions

8.1 You are free to promote your own web sites, but naturally any promotion that mentions Business Thinking Institute could be perceived by the public or the press as a joint effort. You should know that certain forms of advertising are always prohibited by the Business Thinking Institute. For example, advertising commonly referred to as “spamming” is unacceptable to us and could cause damage to our name. Other generally prohibited forms of advertising include the use of unsolicited commercial email (UCE), postings to non-commercial newsgroups and cross-posting to multiple newsgroups at once. In addition, you may not advertise in any way that effectively conceals or misrepresents your identity, your domain name, or your return email address. You may use mailings to customers to promote the Business Thinking Institute so long as the recipient is already a customer or subscriber of your services or web site, and recipients have the option to remove themselves from future mailings. You may also post to newsgroups to promote the Business Thinking Institute so long as the news group specifically welcomes commercial messages. At all times, you must clearly represent yourself and your web sites as independent from the Business Thinking Institute. If it comes to our attention that you are spamming, we will consider that cause for immediate termination of this Agreement and your participation in the Business Thinking Institute Affiliate Program. Any pending balances owed to you will not be paid if your account is terminated due to such unacceptable advertising or solicitation.

8.2 Affiliates that exclusively bid in their Pay-Per-Click campaigns on keywords such as, Businessthinking, MiTRamiyer, and/or any misspellings or similar alterations of these – be it separately or in combination with other keywords – and direct the traffic from such campaigns to their own website prior to re-directing it to ours, will be considered trademark violators, and will be banned from the Business Thinking Institute Affiliate Program. We will do everything possible to contact the affiliate prior to the ban. However, we reserve the right to expel any trademark violator from our affiliate program without prior notice, and on the first occurrence of such PPC bidding behavior.

8.3 Affiliates are not prohibited from keying in prospect’s information into the lead form as long as the prospects’ information is real and true, and these are valid leads (i.e. sincerely interested in the Business Thinking Institute’s services).

8.4 Affiliate shall not transmit any so-called “interstitials,” “Parasiteware™,” “Parasitic Marketing,” “Shopping Assistance Application,” “Toolbar Installations and/or Add-ons,” “Shopping Wallets” or “deceptive pop-ups and/or pop-unders” to consumers from the time the consumer clicks on a qualifying link until such time as the consumer has fully exited the Business Thinking Institute’s site (i.e., no page from any of our sites, or content or branding is visible on the end-user’s screen). As used herein a. “Parasiteware™” and “Parasitic Marketing” shall mean an application that (a) through accidental or direct intent causes the overwriting of affiliate and non-affiliate commission tracking cookies through any other means than a customer initiated click on a qualifying link on a web page or email; (b) intercepts searches to redirect traffic through an installed software, thereby causing, pop ups, commission tracking cookies to be put in place or other commission tracking cookies to be overwritten where a user would under normal circumstances have arrived at the same destination through the results given by the search (search engines being, but not limited to Google, Bing, Duckduckgo, MSN, Yahoo, Overture, AltaVista, Hotbot and similar search or directory engines); (c) set commission tracking cookies through loading of the Business Thinking Institute’s sites in I-Frames, hidden links and automatic pop ups that open any of our sites; (d) targets text on web sites, other than those web sites 100% owned by the application owner, for the purpose of contextual marketing; (e) removes, replaces or blocks the visibility of Affiliate banners with any other banners, other than those that are on web sites 100% owned by the owner of the application.

Self Affiliation

Self-referrals for affiliate or merchant accounts are strictly prohibited. You cannot refer yourself as a Merchant with the Business Thinking Institute and receive commission.

Grant of Licenses

 9.1 We grant to you a non-exclusive, non-transferable, revocable right to

(i) access our site through HTML links solely in accordance with the terms of this Agreement and

(ii) solely in connection with such links, to use our logos, trade names, trademarks, and similar identifying material (collectively, the “Licensed Materials”) that we provide to you or authorize for such purpose. You are only entitled to use the Licensed Materials to the extent that you are a member in good standing of the Business Thinking Institute’s Affiliate Program. You agree that all uses of the Licensed Materials will be on behalf of the Business Thinking Institute and the good will associated therewith will inure to the sole benefit of the Business Thinking Institute.

9.2 Each party agrees not to use the other’s proprietary materials in any manner that is disparaging, misleading, obscene or that otherwise portrays the party in a negative light. Each party reserves all of its respective rights in the proprietary materials covered by this license. Other than the license granted in this Agreement, each party retains all right, title, and interest to its respective rights and no right, title, or interest is transferred to the other.


The Business Thinking Institute makes no express or implied representations or warranties regarding the Business Thinking Institute’s services, websites, products or services provided therein, any implied warranties of the Business Thinking Institute’s ability, fitness for a particular purpose, and non-infringement are expressly disclaimed and excluded. In addition, we make no representation that the operation of our site and/or our services will be uninterrupted or error free, and we will not be liable for the consequences of any interruptions or errors.

Representations and Warranties

You represent and warrant that:

11.1 This Agreement has been duly and validly executed and delivered by you and constitutes your legal, valid, and binding obligation, enforceable against you in accordance with its terms;

11.2 You have the full right, power, and authority to enter into and be bound by the terms and conditions of this Agreement and to perform your obligations under this Agreement, without the approval or consent of any other party;

11.3 You have sufficient right, title, and interest in and to the rights granted to us in this Agreement.

Limitations of Liability



You hereby agree to indemnify and hold harmless the Business Thinking Institute, and its subsidiaries and affiliates, and their principals, directors, officers, employees, agents, shareholders, partners, members, and other owners, against any and all claims, actions, demands, liabilities, losses, damages, judgments, settlements, costs, and expenses (including reasonable attorneys’ fees) (any or all of the foregoing hereinafter referred to as “Losses”) insofar as such Losses (or actions in respect thereof) arise out of or are based on (i) any claim that our use of the affiliate trademarks infringes on any trademark, trade name, service mark, copyright, license, intellectual property, or other proprietary right of any third party, (ii) any misrepresentation of a representation or warranty or breach of a covenant and agreement made by you herein, or (iii) any claim related to your site, including, without limitation, content therein not attributable to us.


All confidential information, including, but not limited to, any business, technical, financial, and customer information, disclosed by one party to the other during negotiation or the effective term of this Agreement which is marked “Confidential,” will remain the sole property of the disclosing party, and each party will keep in confidence and not use or disclose such proprietary information of the other party without express written permission of the disclosing party.


15.1 You agree that you are an independent contractor, and nothing in this Agreement will create any partnership, joint venture, agency, franchise, sales representative, or employment relationship between you and the Business Thinking Institute. You will have no authority to make or accept any offers or representations on our behalf. You will not make any statement, whether on Your Site or any other of Your Site, in emails or direct communications, or otherwise, that reasonably would contradict anything in this Section.

15.2 Neither party may assign its rights or obligations under this Agreement to any party, except to a party which obtains all or substantially all of the business or assets of either party.

15.3 This Agreement shall be governed by and interpreted in accordance with the laws of the State of New Jersey without regard to the conflicts of laws and principles thereof.

15.4 You may not amend or waive any provision of this Agreement unless in writing and signed by both parties.

15.5 This Agreement represents the entire agreement between us and you, and shall supersede all prior agreements and communications of the parties, oral or written.

15.6 The headings and titles contained in this Agreement are included for convenience only, and shall not limit or otherwise affect the terms of this Agreement.

15.7 If any provision of this Agreement is held to be invalid or unenforceable, that provision shall be eliminated or limited to the minimum extent necessary such that the intent of the parties is effectuated, and the remainder of this agreement shall have full force and effect.

Updated Oct 10, 2022

What makes the difference between the high income earners, and the average income earners?

Have you wondered, as I have, what makes this kind of difference in people’s lives? Why do smart people with the same education make vastly different amounts of money? It isn’t native intelligence or talent or dedication. It isn’t that one person wants success and earns more and the other does not. The difference lies in whether each person...

1. set monetary goals, lived very intentionally, and became enormously confident by becoming more antifragile.

2. identified and mitigated the barriers within and around themselves, that were preventing them from making more money. Some of them were disempowering mindset elements that each of them possessed, and others are what I call the ‘Silent Killers of Money-Making Success’.

3. developed a business mindset, a set of beliefs and rules that evaluated and capitalized opportunities for maximum monetary gain – acquired more enabling ones and got rid of disabling ones.

4. developed business thinking, a systematic way of evaluating the exchange of value to maximize personal compensation.

Not even top business schools teach you how to develop a ‘business mindset’. Many of them are schools of management (go look at the names of the top 20 b-schools) which produce managers for large businesses (most MBA graduates go on to work for large businesses or management consulting firms). Some people pick up a ‘business mindset’ from their business families and friends, and others from their mentors. Yet others, stumble upon it after years of experience. Unfortunately, most do not... because they don't know what it is (they only know the outcomes of having it), not how to develop it.

Business schools give you the functional elements of business thinking, but don’t give you the business thinking process… you have to ‘connect the dots’ yourself.

And antifragility,… most schools don’t even know about it.

Success bias is rampant in society and at universities and places of work... they hold up their success stories (and hide the unsuccessful ones), leading most people to believe that success is easy to achieve (success bias), by being just who they are (without the need to change much). And then, people have a ‘rude awakening’, years or decades later.

Who is helping you develop business thinking, a business mindset and antifragility? Wouldn’t it be a difference-maker if you picked up business thinking, and a business mindset? And if you learned how to become more antifragile? If you learn these earlier in life, you’ll make a lot more money over your lifetime, and become truly wealthy.