The rule\n\nUnder Standard 7 of the FASEA Code of Ethics, a financial adviser cannot personally accept a benefit from a third party — including your referral fee.\n\n## What Flip 360 does\n\nFor every FP rule, we set `payee_on_behalf_allowed = true`. The commission gets paid to the adviser's Licensee (the AFSL holder), not to the adviser personally. The adviser then gets paid by their Licensee under their internal arrangements.\n\nFrom your point of view as a referrer: nothing changes. You earn the same fee. The money just routes through the Licensee.\n\n## What you should know\n\n- Always disclose in writing.\n- The disclosure goes in your customer-facing referral message, even if just informally by text.\n- Flip 360 stores a disclosure record automatically against every FP commission entry.