MBR Affiliate Mechanics and Compliance

1. The Tech-First Business Model

MBR operates exclusively as a Financial Lead Aggregator and Affiliate Marketer.
To scale infinitely, MBR must avoid operations requiring human capital and direct financial licensing (e.g., acting as a licensed mortgage broker or CIRO-registered investment advisor). MBR provides software facilitation and mathematical analysis, not regulated, human-to-human advice.

MBR integrates with Tier-1 Canadian financial affiliate networks (e.g., Fintel Connect, Impact.com).
The Architecture: MBR uses Sub-ID URL tracking (e.g., fintel.com/track?subid=12345). When a user executes a “1-Click Done” and successfully funds a new account, the network’s API automatically pings MBR’s server. This attributes the revenue and triggers the MBR backend logic to execute the 50% Cancer Pledge allocation and send S&D emails.

Everyday Banking (HISAs/Chequing): Cost Per Acquisition (CPA). $20 – $60 per funded account.
Credit Cards: CPA. $50 – $300+ per approved card.
Brokerages (Wealthsimple, Questrade): CPA. $50 to $300+ based on deposit size.
Mortgages/Loans: Cost Per Lead (CPL). $30 – $150 per qualified lead generated via API ping-tree to digital lenders (e.g., Nesto, Pine).

FCAC (Financial Consumer Agency of Canada): Marketing copy must accurately reflect live bank rates. MBR uses live JSON API feeds from networks to ensure data is never outdated.
PIPEDA (Privacy): When executing a “1-Click Done” or transmitting user data for a loan lead, explicit, unbundled consent must be captured cleanly in the UI.
CRA (Canada Revenue Agency): MBR uses Split-Cart payment processors (like Stripe) to route client funds directly to registered charities, ensuring the client legally receives the charitable tax receipt in their own name, avoiding corporate tax auditing issues.