Kingfin affiliate program is a direct advertiser for leading fintech platform Olymptrade.
Kingfin offers opportunities with RevShare up to 80%, CPA up to $250, Hybrid and individual tariffs.
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Reviews
I would like to know what was the reason for my verification...
I would like to know how to contact the support of your affiliate program...
Since you do not answer the mail... I would like to understand... and get my account back...
account Bratebanat96@gmail.com
This review reflects the subjective opinion of the user, and not the official position of the editors.
Tell me how to contact support, there is no one on Skype. The account is blocked for failure to provide documents.
Tell me, for what purpose did you not provide the documents requested by the affiliate program?
This review reflects the subjective opinion of the user, and not the official position of the editors.
I've worked with them for a couple of years without any violations. Then I come in and: your account is blocked for the following reason: Not provided documents for verification
This review reflects the subjective opinion of the user, and not the official position of the editors.
"Hello everyone, it's not an affiliate program, but a scam.
We worked with them earlier (3 years ago), well, respectively there were some users left, so we still got someting out of it.
Recently I go to the affiliate program site - they write "send the documents", well, I think I'll send it later, because I don't have any documents with me, I prepared the documents, I tried to log into the account - and there is already a block)
The most important thing is that no contacts were left, nothing)
Very nice.
And the most important thing is that I didn't violate anything, because there hasn't been any traffic there for a long time, for more than a year (why there is this verification? why ask for screenshots in the form of verification with active ad campaigns on you, if the TRAFFIC DOES NOT GO TO YOU???)
In a word - HORROR!
---
I want to express my gratitude to the affiliate program for meeting halfway and unblocking the account, I passed the verification, I received the payment, everything is fine! We'll continue working with them.
You have not provided documents for a long time, and you can see the logins to the account. According to the contract, failure to provide documents leads to the termination of the contract and the blocking of the account. Unfortunately, there is no way to wait forever for you to "prepare" documents.
How long do you think it should take to photograph a document?
This review reflects the subjective opinion of the user, and not the official position of the editors.
I've worked with this affiliate program for 3 months, everything was perfect.
It brought about 160 traders, not so many perhaps, but not bad either.
Daily profit was always around $20-60, sometimes even more.
On the 4th month they stupidly started to cut payments to me, they paid me 1-5$ sometimes even 0 with some pennies per day.
I've talked to my manager, he says that statistics is correct, the payouts depend on the activity of traders, on what assets they are betting on and the volatility.
I have a signal group and traders always write about their losses and wins, respectively, I know when a trader has lost a deposit but statistically I do not get what was promised by the affiliate program, it is not even close to about 60% .
Traders make deposits, but there are no payouts, and I do not have any earnings as well for them.
You spent your time, money and nerves and at the end you just get scammed and they don't let you work. I'm dissapointed.
After I wrote a review here, the verification window popped up in my account. I decided not to verify, because I was waiting for an answer here, if there is no solution, then I do not see the point of verification and drive traffic on a dead account on which nothing moves in terms of payments.
These are unrelated things, because the account was sent for verification on March 29. Your username was not mentioned here until April 8.
I didn't mean that it was related at all. I wrote to say that you can show me why I don't pass it. And I'm not doing it because I'm waiting for a response to my review.
Why did they drain my account and stop paying?
You took an early payout and now your account is in deficit, maybe that's why you don't want to go through verification?
Since the beginning of March you have stopped paying me the promised interest on my gold rate.
On March 16, an early payment of $270 was taken.
The balance is now $180. Today is April 10, it has been 24 days, which is enough to have this deficit worked out long ago. Traders trade and make deposits. Why do I have to go through verification, if you can not even give me an adequate answer why I stopped paying? And it seems that I have the right to take an early payment, especially since you took from me much more than this $270.
Do you think I care more about the $270 or the traders I brought in, who could make a profit many times over? I think you understand that the second option.
The income on your account is quite consistent with the number of traders per month and deposits. In the last month, a drop in these values means a drop in income.
Now they are probably consistent, because I stopped driving traffic on a dead account on which the payouts were not accrued. At the beginning of March the number of traders and deposits, was exactly the same as in those months for which the interest was paid normally. As I wrote above, traders were telling me about their wins and losses. There were deposits, there were plums, there were no withdrawals and profits. I never heard back from you.
It's all just ethereal talk. Were, were not... According to the statistics, you had 8, 64, 41, 35, 21, 1 trader per month. As you can see the decline, apparently it was reflected in the accrual the same decline. It is not surprising that in the first month was the most traders and it means that most of the accruals were in the first months, then the decline - the decline in accruals.
November - 8, December - 64, January - 41, February - 35, March - 21 and already April - 1.
At the beginning of March they stopped paying and I stopped driving traffic traffic from about the middle of March, so in March there was already a decline. I have not been able to get any profit from these traders, but I have not got any. I have all the screenshots saved, I wish I could attach them here. It is clearly visible that there was a shave.
If you were paying normally, would it make sense for me to write a negative review here? I'm not stupid and clearly saw that the drain began. I hope webmasters will see the review and make the right decision not to cooperate with your company.
>At the beginning of March we stopped paying
I don't even know what to tell you. You get charges for March and April even.
>If you were paying normally, would it make sense for me to write a negative review here?
The understanding of normal and not normal at the same time is completely ethereal. You get paid everything according to the rate.
Example: A trader put in a deposit of $20, lost, for him in statistics is charged $0.20. And so absolutely on all traders, and they wrote me about their results. The interest on my Gold rate at that time was out of the question.
How then did you get payouts of (roughly) $2,500, with deposits of $5,000?
There are accruals in March and even in April ¯\_(ツ)_/¯
This review reflects the subjective opinion of the user, and not the official position of the editors.
While we were working with binary, we were also driving traffic on King's. No complaints about support, payments, and the overall workflow. I have never had any problems with integration. I've never had any problems with the integration. If you ask me, binary has not survived so far, but the toughest peanuts will still work here. I have switched to another vertical, but I highly recommend these guys. Realistically, everything is on the level.
This review reflects the subjective opinion of the user, and not the official position of the editors.
I have been working with Kingfin for a little over half a year and during that time there have never been any problems with payouts, which I immediately put in a special place among the pluses of this affiliate program. At the same time, when the turnover has increased, nothing has changed. The support team easily answers all of the questions and helps if necessary, if you need something or if you don't understand something. If you drive good traffic, then the attitude will be fine towards you. I hope they will continue in the same spirit and will not go anywhere).
This review reflects the subjective opinion of the user, and not the official position of the editors.
The best affiliate network I've ever worked with!
Kingfin became my first affiliate program. For more than 2 years of joint cooperation, there were no problems. The personal panel is intuitive and easy to understand, the statistics is clearly outlined. Due to the high-quality offer, the conversion is quite high, and the life time of traders is very pleasing (as of September 2019, there are active traders: who registered at the end of 2017!).
Payments are made regularly, in 95% of cases, day to day. From the pleasant features - there is a bonus system, thanks to which a reward often arrives at the beginning of the month for attracting customers from a list of countries. Well, "the icing on the cake" - contests from Kingfin. For the last one, the company presented a brand new iMac (on the picture)! Nice
Well, and one more "cherry on top of the cherry"- technical support. Just the best! Always fast, always high quality and no problems.
This review reflects the subjective opinion of the user, and not the official position of the editors.
Great affiliate program! Easy and clear interface.
There is a FAQ, where the frequent questions and working cases are disassembled. If you still have questions after reading the FAQ - you can contact support. The guys work fast and are polite.
There is a bunch of materials for partners in different languages.
Payments are never delayed. The payments are made on the day of inquiry.
In one case I had some difficulties with the payment system and the support team quickly helped me to solve the problem.
They always run affiliate contests with great prizes.
I participated in the contest and won - got a new mac!
That is very cool! Thanks to kingfinofficial
This review reflects the subjective opinion of the user, and not the official position of the editors.
I switched to this affiliate about two months ago for many reasons. First of all, a colleague of mine has been earning money here for a long time, and he actually recommended it when I was looking for a new affiliate program. Secondly, it is much bigger GEO and the interest from the attracted clients. At first I tested new countries, I used push notifications in megapush, as well as some teasers and other sources, which I do not want to name. Convenient and detailed statistics, with the help of which you can track almost everything. Convert was practically different, I had to do optimization of campaign, change the creatives, as well as I appealed to the support of the manager, who always helped with practical advice. Here are some creatives, which in my opinion are original enough. Now I have found a bunch on the country and the source, it is going fine in the plus it's been 3 weeks already. Payments are ordered on webmoney, they usually come in 3 days. If there are any questions, they are solved in real time with the manager. I am happy with this affiliate program and do not plan to switch to another one. I would like to scale this whole process 10 times, but I am not ready for it yet, although the budget allows me to do so. But so far so good, it's better not to get hot in this business!
This review reflects the subjective opinion of the user, and not the official position of the editors.
After three months of productive work, they sent me a verification request. The request stated that everything would be processed within three days. They failed to do so in three days. The manager did not answer on my email or Skype address.
Five days after sending the documents they blocked my account under the pretext of creating low-quality traffic and fake traders. My source of traffic was a video with instructions on how to register with a VPN. The only fake trader was me, registering to see if registration worked that way. Never deposited or traded. Kingfin is a fucking shithole. Don't mess with it.
This review reflects the subjective opinion of the user, and not the official position of the editors.
I have been working with the affiliate program for a long time, and for all this time I have a positive impression. First of all, the payments are always on time, and I mean it. There have never been any problems with withdrawals. Secondly, I am pleased with the presence of bonuses. Thirdly, I like the work of technical support, responsible attitude to clients. Many times I have applied to them with different problems, they always help me instantly. I will continue to earn with this company in the future.
This review reflects the subjective opinion of the user, and not the official position of the editors.
I've been driving traffic on KingFin for a little less than a year. I have never encountered any problems, payments are always clear without delays on the same day when I ordered the payment, customer support is responsive. Affiliate accruals are at a decent level, I did not notice any fraud from the side of affiliate programs. Several times I have significantly reduced the traffic for 2-3 weeks, and even stopped it altogether. Payments during these periods did not decrease, and even grew. Plus there are constant bonuses and contests. I got an iPhone without much effort, just pressed the button "Participate" in the next contest, and I was driving traffic as usual.
Thank you, KingFin, you are a pleasure to work with!
This review reflects the subjective opinion of the user, and not the official position of the editors.
If you want an unreliable partner who can do anything with impunity, then welcome to KingFin!
I've been working with this affiliate program for about half a year. I had a payout the first month, such good payouts! I liked talking to my personal manager Anna (Krasnova), I am not mad at her. Tell her she is beautiful. It is uncomfortable to be on the lowest rate. There are "pitfalls": to move to the next rate, it says that you must have from 5 to 30 traders to move to the Classic. BUT! In fact, you have to bring 5 traders in a month and then you may be moved. Yes, I am not perfect! There was one time when I registered one (1) person to get the first payout, I was immediately fined.
Next, it's all in order:
THERE IS NO VERIFICATION ONCE YOU SIGN UP! You can sit in Syria and give any traffic, no one will tell you anything. But! As soon as "something" hits KingFin in the head, usually this happens when you want to withdraw everything at once or it seems to them that you broke something, they want you to verify! Then you give them your info and for some reason they block you. But the most annoying thing is that the money from the blocked account will not be refunded (apparently, they divided among themselves, if so, write out a bonus to Anna).
It would be rude of me not to devote a couple of days telling this story in all the thematic forums and groups.
You, KingFin, as no one else, should know that sooner or later the bubble may burst.
P.s. Can you please advise me a good affiliate program for olymp ? If there is no such program and KingFin has a monopoly on it, then their behavior becomes understandable.
>Yes, I'm not perfect! Balo such that finished one (1) person to receive the first payments, I was immediately fined.
No, not one.
>There are pitfalls: to move to the next rate, it is written that you must have from 5 to 30 traders in order to move to the Classic. But in fact, you have to bring 5 traders in a month, and then you may be transferred.
it is quite clearly written in the rates - CONDITION (per month), not total - this is something you made up.
> "No, not one." And I say one.
Say what you want.
>And why don't you tell me that you've decided to APPLY the money you have left on your account.
If an affiliate cheats in the affiliate program, they are ineligible to receive compensation. You don't deny your violation yourself, so what's the question? All the best to you, go cheat other affiliates.
I do not deny that I registered one (1) user, you informed me about it and punished me with a fine. All this stage is passed, you allowed me to continue to cooperate and make a profit. When I decided to withdraw the money, you blocked the account and refer to this passed violation. What is the logic...?
I HOPE everyone has seen the (HUMAN) style of your communication with your customers. My advice to all your customers: Always Withdraw money from your account. KINGFIN can take it away at any time. You can not prove anything to them!!!
What is the rudeness? You have registered more than one trader yourself, it is clear from the statistics on our side, there is no point in arguing with this. We do not want to work with partners who violate the rules.
This review reflects the subjective opinion of the user, and not the official position of the editors.
Hello, I want to warn everyone who wants to start eorking with this affiliate program. Believe me, these scammers don't deserve your time and traffic. I will give you a real proof of their fraud.
I've been working with this affiliate program for a long time, as I've entered this place, everything was fine, the earnings were a pleasure to my eyes, but it didn't last long and it stopped in 1-2 month. The profit fell to the minimal amount.
Yesterday I entered my account and discovered a very interesting moment
Can you see 3 deposits, which I pointed out, one trader made this deposits, now look at the earnings on this trader.
Now lets deal with it, trader from 03.02.2019 till 11.02.2019 made deposites to the sum of 38.92$, and for all of these deposits they've given me 0.45$. Money wasn't withdrawn by the trader in this period of time.
What do we have, a trader 03.02.2019 makes a deposit of $ 14 charging any, well, I think he may just put the money and not trade, but here 08.02.2019 the same trader makes another deposit of $ 14 and that day they charge me $ 0.43.
This means that the deposit, which he made on 03.02.2019, he lost, and what do we get if a trader has lost (I have the first rate and I was entitled to 50%).
Today 11.02.2019 this trader makes another deposit of 10$ and is charged 0.02$ for it (well he must have made one trade). This means that the deposit he made on 08.02.2019 he also lost.
So you can say, maybe your affiliate program is in deficit, and now just overlap the conclusions that traders used to make, but no:
What do we have, for the trader who lost from February 3 to February 8, 28 dollars, I was awarded $0.43.
Now let's look at the insolence of technical support and how they get away with it, blaming the complicated system of calculations and some alleged charges "forward".
I was also surprised by the phrase from the technical support. "If you think that the calculation of charges of our system is incorrect, we will be happy to check the charges with a commission of $10 for each ID".
Here's the deal, I think any normal person will understand everything and make conclusions. You understand Ii's not about 20-30 dollars, just as they are cheating hundreds of affiliates, and this is already a decent amount!
Well, manager Kingfin, shall we solve the question publicly? Let's explain to us publicly, on the live example of a trader, why there are no accruals for him, if he loses money?
Why don't you show full screenshots? Conclusions a month before your screenshots? not knowing how to use a calculator and wanting to get income from five half-dead traders attracted since six months ago - that's the real impudence.
The essence of your question was answered immediately on the first screenshot. It is forbidden by our rules to show screenshots of correspondence. All communication is confidential. Your account will be blocked, have a nice day.
Ahaha, what are you talking about? What do last month's conclusions have to do with it? You're just talking such bullshit!
Now look everyone who wants to work with them or works with them.
Today they blocked my account, where there was $350 of potential income! And they blocked it because I wanted the truth and justice.
"You can't post screenshots of correspondence with support", great wording for blocking an account.
People, know that this affiliate treats their partners as animals and block the account, just because you want to get justice !
Administration of partnerkin.com please look into this problem and take action, to this affiliate!
>Ahahaha, what are you talking about? What do last month's conclusions have to do with it? You're just talking such bullshit!
And where did they go, according to you? just as well the deposits for this month have nothing to do with anything. well, who's talking rubbish?
Well look, the man made 3 deposits this month, and I was credited for it 45 cents! he lost 2 deposits and did not withdraw the money, where are my normal charges for these 2 deposits?
Only on the 3rd deposit he withdrew the money, and for the previous two you have accrued to me 45 cents! and you refer to a complex system of charges, which depends on many complex factors (in what house is the moon, how much money the admin wants to take and other various factors)
Although in the rules of the program it is written that partners are entitled to 50% of the money lost by the trader.
I realized that you can not prove anything and just too lazy to respond to your arguments, because any normal person would understand that this is a scam and this situation is an excellent example!
I was just blocked, after I began to seek the truth, but here, as elsewhere in Russia, there is nothing to achieve, but only to do worse for themselves. So I did and all I got was a blocked account with a stupid wording!
Who knows how much more I would have gotten from those traders, which I brought there were more than 130! and the expected income of $ 350.
In that case, pay me $350, because this is the money I could earn!
What nonsense, guys look at it all, don't be lazy to read the whole thing and you'll understand the essence of this partnership and those who work there!
Hello. All the same, I do not understand why he accrued normally for all the previous months, he does not deny it, but for the 5 semi-annual dead traders, he did not get anything at all, what does it matter what they are half "dead" or only registered, a man can register and make a year without a deposit, and then a month a million, then how profit will be calculated? From what I read on the site, I understand that the earnings (at least 50%) comes from the income of the system, then why did the person receive less, if they have lost as he claims much more and there was no talk about 50%. Where can I read about these %, calculations, etc.? I want to understand...
It is not clear, because part of the statistics hides this person. For example completely forgot the previous period. But everything is within the tariff charged.
>But for 5 semi-annual dead traders he did not get anything at all
He did, of course, and continues to receive it. it's just that he received more in January, but "forgot" it a bit.
Oh my God, how do you talk to them? Did I leave something out? Why would I do that!
Let's get to the facts, what did I leave out? I got charged more than I should have in January? And how did that happen? All questions and no answers!
If you firmly believe that I am cheating everyone here (I do not know why). So give me screenshots, which confirm it, you have my personal account, as in the palm of your hand and that you have to prove his innocence?
Give normal answers and that all the facts, screenshots, calculations, etc.
You are now rubbing me about some other months and supposedly I once got more than I should have. Well, how could I get more than I earned? You seem to be deciding who gets how much and who do not give how much!
I asked a specific question about a particular trader, there are all the screenshots and evidence that you have not credited me for him! You have all the data on my account, take the statistics for this trader and post it here!
You're right, aren't you!? Why can't you prove it so that all questions disappear?
Or whatever you wrote to me... We can look at every trader with a $10 commission per trader... (This is a serious affiliate program, which does not charge money as it should be, and if you suspected them of something, they can check everything with commission of 10$ for each trader)) Great job you guys are doing there)
Give me some real proof! Or did you think to block my account and that's it? And they blocked my account just because I started to ask for the truth.
Honestly anger is not enough on these "Respectable people"! Well, any adequate will understand that I gave you a pussy to the nose, and you can not answer anything!
Vangue: Now they will answer, "You're insulting us and we will not talk further with you, we will not stoop to your level.
And that's the end of the story!
I would be very happy to meet with you, sit down at the PC and ask questions to your eyes, when you can not fake or avoid the answer!
I believe you are now obligated to pay the $350 that was in potential income! Since you blocked my account, because I started to pursue the truth and this will be understood by anyone!
further dialogue seems pointless to us. You are completely unable to read what you are answering, or rather to realize it. You in the support team gave you an answer to all your questions. All your answers are well within the train of your phrase "Ahaha, what are you talking about? What do the findings have to do with last month? You're just talking such bullshit!" Ahaha, bullshit - what's the point of explaining anything to you?
>Let's get to the facts, what did I leave out there? I was charged more in January than I should have been? And how did this happen? Only questions and no answers!
Exactly. and it is written in your screenshot of the manager's answers.
>And they blocked my account just because I started to pursue the truth.
The account is not blocked.
"All communication is confidential. Your account will be blocked, have a nice day." Those are your words! And now the account requires verification.
By the way I'm like a vanga))) Read my previous message... Vangue: Now they will answer "You're insulting us and we will not talk further with you, we will not stoop to your level.
It came out that way, but with a different wording.)
Well, guys, as you can see the partner is sure she is right, but does not prove it)))
I think all normal people will make conclusions and will not work with this affiliate. I dare say it, there are only rats in the admins and support)). If anyone does not have enough of my evidence, here's more http://binar-tm.com/o-bro... there they even rewrote their rules retroactively)
The devils in a word!
>I think all the normal people will draw conclusions and will not work with this partnership.
All normal Partners calmly work and receive payments every day.
Well, I say, you're there to decide how much to accrue and who do not pay) You have a pool of webmasters, which you do not touch.
After all, you stuck your tongue up your ass and confirmed that you cheat webmasters, not in the literal sense of the word... You just can't answer my questions on the facts and make sense of the situation!
This just shows that you just don't care about me (your partner) and you don't even want to bother. And this already says about the seriousness of your affiliate program, if you have such an attitude towards partners, go to hell.
I will not answer you anymore, you are not worthy of the time I spend on you!
All the best to you, NBH!
Once again, we answer - all earned money is paid to you, if you do not understand something in the Revenue Share calculations, how they relate to previous periods, that in one period the accrual may be more and in another less - there is nothing we can help you with.
This review reflects the subjective opinion of the user, and not the official position of the editors.
Hi!
When they asked for verification on my main account I was waiting for the result for a very long time! And one day my patience ran out, I created a second account, connected Telegram to the account and began to write them: My partner requested verification and I wanted to know when they would start considering requests! The moment I reloaded page and the verification page appeared on the 2nd account too! As we know, after a verification request you can not go to other tabs, and then I wrote them the same thing in Telegram, and you know what that Support writes to me: DOCUMENTS FIRST ! And when I refused to provide data, they banned me in Telegram and my account on the site! Because of this case I stopped sending traffic to my main account!
I just wanted to share this story with you guys! Maybe someone will be interested :)))
What exactly is it that surprises you? affiliate program does not want to cooperate and answer questions of those who violate affiliate program rules.
This review reflects the subjective opinion of the user, and not the official position of the editors.
What should I do?! They blocked my account forever??? I was advertising Kingfin https://vk.com/ven25 in my group on a daily basis, now they banned registration of new partners from Russia. My team and I registered accounts for our partners from the group!!! Many do not know how to register by the new rules! My team I registered partners with Vpn India, and thus took myself % of their deposit! What do I do now? I have not violated anything in these registrations!!!
This review reflects the subjective opinion of the user, and not the official position of the editors.
I've been working with this affiliate program for more than a year. During this time I've had no complaints, unresolved problems or issues. The money is withdrawn within a day on request. Great landing pages in several languages contribute to good conversions all over the world. Especially I am pleased with monthly bonuses for foreign traders, in the first months of work these bonuses helped a lot, and now it is quite a significant addition to the profit.
As for the average life of a trader, it is great here, I have some traders who have already deposited for more than a year and hopefully will not stop;) That means that you give traffic and it brings profit month by month, constantly increasing your ROI.
You can see everything in the screenshot:
Another advantage is the contests. In the summer there was a contest for newbies with MacBooks as prizes. I did not get to that contest due to work, but I won at the contest, which takes place now. I won an iPhone Xr. For which I want to say a huge thanks to the affiliate program!
In general, work hard and you will always have money and new products from Apple;)
This review reflects the subjective opinion of the user, and not the official position of the editors.
KingFin my first affiliate, support does not ignore as other affiliate program, promo materials cool, profitability compared to other affiliates one of the luttiest but there is lutshe affiliate program. I am still working on it, I have to buy it if I want to, I must use it. I advise to work at this brokerage!
This review reflects the subjective opinion of the user, and not the official position of the editors.
The account exists for about a year. At the beginning everything was fine. Recently I wrote to the support that I am being cut in profits. Literally a week later I've decided to withdraw the money, but surprisingly, the payment was blocked. Support doesn't respond. No arguments. The account is working and payments are blocked.
My login is 777-pavel-92@mail.ru. First they sent me for verification, which could not be sent because the documents were not sent. Now they just blocked me for no reason. I just corresponded in the stream on youtube. And everything was fully documented. It was seen by 25,000 people.
This review reflects the subjective opinion of the user, and not the official position of the editors.
May 15, 2020, 14:58
As far as we can see, your account has long been verified and you are working.
May 25, 2020, 14:11
Hello friends, I want to leave a review about the KINGFIN Affiliate Program
I was registered at Kingfin and I started to drive traffic at the same time
KIngfin
Next
attracted 20 traders in 4 days
20 traders
which were credited with
10 Traders for $100
3 Trader for $2000
1 Trader $1000
4 traders 30$
2 traders 10$
after i was blocked because i was self-reporting and depositing
and the commission of my traders at the beginning of deposit was suspicious
I have been working with affiliate programs for a long time and they did not screw me like that
KINGFIN
It seems to me they had a plan to cheat their partners
And not for nothing they started the contest to have more affiliates and in the end to screw us all!
login: gameclass8@gmail.com
May 27, 2020, 21:14
Good afternoon. You have made a purchase by brand. This is not allowed.