Earnings & Income Disclosure

1. Purpose of This Disclosure

This page explains, honestly and in plain language, how distributors can earn on Bancostore, what participation costs, and — most importantly — that no income is ever guaranteed. Please read this in full before registering as a distributor.

2. No Guaranteed Income

Becoming a Bancostore distributor gives you the opportunity to earn commissions — it is not a job, a salary, or an investment with a promised return. Your results depend entirely on your own effort, skill, the size and activity of your network, and market conditions, all of which vary widely from person to person. Most distributors earn modest amounts or none at all; a small number may earn significantly more. Past or reported results of any individual distributor are not typical and are not a promise of what you will earn.

3. How Distributors Can Earn

Bancostore's commission structure has three parts, all funded by real product sales, not by recruitment fees alone:

• Instant Bonus — paid to you when someone you personally sponsor reaches a rank-setting amount of product purchases. You are paid when they reach each level, not on their everyday re-orders.
• Binary Bonus — paid periodically based on matched sales volume (PV) on your weaker leg of your binary tree, up to a weekly cap. Unmatched volume can carry forward for a limited time.
• Matching Bonus — a percentage of the Binary Bonus earned by distributors in your personal sponsor line, up to a limited number of levels (more levels unlock at higher ranks).

A bonus can be reversed. Every commission is funded by a real payment. If the payment behind an Instant Bonus is later refunded, reversed, or successfully disputed with the payer's bank, that bonus may be taken back from your wallet. If you have already withdrawn it, we record the shortfall rather than pursuing you for it. Binary and Matching Bonuses are calculated from pooled sales volume across many purchases and are not reversed this way.

Exact rates, caps, and eligibility thresholds (such as the minimum monthly personal PV required) are business settings that Bancostore's admin team may adjust over time — the current rates are always shown in your distributor dashboard and our Getting Started Guide, not fixed numbers printed here. What you can earn depends on your rank: a new distributor starts as a Starter, which earns no commissions until a rank is activated by buying products from the shop.

4. Costs of Participation

Joining as a distributor requires a one-time registration fee, shown clearly before you pay. The registration fee is not refundable. To activate a rank and start earning, you also buy products from the shop. These are real costs, not guaranteed to be recovered through commissions. After the purchase that activates your rank, there is a cooling-off period (shown on your dashboard) during which, if nothing has been dispatched yet, your membership can be cancelled and those orders refunded, minus a processing fee.

5. Identity and Payout Requirements

Before your first withdrawal, our team must confirm your Ghana Card number. Withdrawals are subject to minimum and maximum amounts, a processing schedule, and withholding tax deducted in line with Ghana Revenue Authority (GRA) requirements — all shown in your dashboard before you submit a withdrawal request.

6. Not a Pyramid Scheme

Bancostore sells real, tangible products to real customers. Commissions are tied to product sales volume moving through the binary tree, not simply to recruiting new distributors. You are never required to buy products solely to qualify for a bonus in a way disconnected from genuine retail or personal use.

7. Examples Are Illustrative Only

Any example numbers shown anywhere on the Platform (in onboarding materials, dashboard explanations, or elsewhere) are for illustration only, to help you understand how the formulas work. They are not typical results and are not a promise of what you personally will earn.

8. Do Your Own Research

Before registering as a distributor or buying products to activate a rank, we encourage you to review this disclosure carefully, ask questions through our Contact page, and make your own informed decision about whether this opportunity is right for you.

9. Contact Us

Questions about how commissions work? Reach us through our Contact page.