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Policies & Procedures


SECTION ONE: AFFILIATE STATUS 1.01 BECOMING A AFFILIATE An applicant becomes a Independent Sales Affiliate (“Independent Sales Affiliate”) of Pay Yourself First when the applicant's completed Application and Agreement has been received and accepted by the Company, by Internet or by mail, at its Home Office. Company reserves the right to decline any Agreement for any reason, at its sole discretion. Independent Sales Affiliate uses his/her best effort to promote and sell products and services of Company to consumers pursuant to the Agreement contained within these Policies and Procedures and Terms and Conditions. In doing so, Independent Sales Affiliate will maintain the high standards of honesty, and integrity and business ethics when dealing with Consumers, Company or other Company Independent Sales Affiliates. 1.02 NO FEE, CHARGE OR PURCHASE REQUIRED No initial fee, charge or purchase is required to become a Independent Sales Affiliate. 1.03 AFFILIATE OBLIGATIONS & RIGHTS Independent Sales Affiliates are authorized to sell Company products and services and to participate in the Independent Sales Affiliate Compensation Plan. Independent Sales Affiliates may sponsor new Independent Sales Affiliates. 1.04 LEGAL AGE Independent Sales Affiliates must be of legal age in the state / province / country of their residence. 1.05 DIVORCE When a couple sharing Independent Sales Affiliate entity divorces or separates, Company will continue to pay commission checks in the same manner as before the di­vorce or separation until it receives written notice signed by both parties or a court decree which specifies how future commission checks should be paid, provided and if applicable, the couple has complied with the require­ments of Section 5.03. 1.06 CORPORATIONS, PARTNERSHIPS & TRUSTS Corporations, partnerships, limited liability companies or other forms of business organizations or trusts may become Independent Sales Affiliates of Company when the Agreement is accompanied by a federal ID number. Shareholders, directors, officers, partners, members, beneficiaries and trustees, as applicable of Independent Sales Affiliate entity must agree to hold such title, and Company will hold each personally liable and bound by the Agreement and these Policies and Procedures and Terms and Conditions. 1.07 FICTITIOUS OR ASSUMED NAMES A person or entity may not apply as Independent Sales Affiliate using a fictitious or assumed name. 1.08 INDEPENDENT CONTRACTOR STATUS Independent Sales Affiliates are Independent Contractors responsible for determining their own activities without direction or control by Company. They are not franchisees, joint venture, partners, employees or agents of Company and are prohibited from stating or implying, whether orally or in writing, otherwise. Independent Sales Affiliates have no authority to bind Company to any obligation. Company is not responsible for pay­ment or co-payment of any employee benefits. Independent Sales Affiliates are responsible for liability, health disability and worker's compensation insurance. Independent Sales Affiliates set their own hours and determine how to conduct business, subject to Company Agreement, the Policies and Procedures and Terms and Conditions. 1.09 TAXATION As Independent Contractors, Independent Sales Affiliates will not be treated as franchi­sees, owners, employees or agents of Company for federal or state tax purposes including, with respect to the Internal Revenue Code, Social Security Act, federal unemployment act, state unemployment acts or any other federal, state, or local statute, ordinance, rule or regulation. At the end of each calen­dar year, Company will issue to each Independent Sales Affiliate an IRS Form 1099, as required by law, or other applicable documentation for non-employee compensation as a Independent Sales Affiliate. 1.10 AFFILIATE IDENTIFICATION NUMBER Independent Sales Affiliates are required by federal law to obtain a Social Security num­ber or Federal ID number. Independent Sales Affiliates will be identified by this number, or a company assigned number, for purposes of Company's business. The Independent Sales Affiliate Identification Number must be placed on all orders and correspondence with the Company. 1.11 LEGAL COMPLIANCE Independent Sales Affiliates must comply with all federal, state and local statutes, regula­tions and ordinances concerning the operation of their business. Independent Sales Affiliates are responsible for their own managerial decisions and expenditures in­cluding all estimated income and self-employment taxes. 1.12 NO EXCLUSIVE TERRITORIES No franchise is granted and there are no exclusive territories for sales or sponsoring purposes. No geographical limitations exist on spon­soring or selling within the United States; provided, however, that Company re­serves the right not to sell product or services or contract with Independent Sales Affiliates in specified states / provinces within United States. SECTION TWO: TERM & RENEWAL 2.01 TERM Subject to the terms of Section 4.01, the Agreement shall have a term which shall begin on the date of acceptance by Company and end one year from the date thereof (the “Anniversary Date”). 2.02 RENEWAL Independent Sales Affiliates must renew annually, on the Anniversary Date and Independent Sales Affiliate has the right to decline to accept any renewal at its sole discretion. Company may require that Independent Sales Affiliates execute a new Agreement upon renewal. Independent Sales Affiliates not renewing by the renewal date shall be deemed to have voluntarily terminated their Independent Sales Affiliate rela­tionship with Company, and thereby lose their Independent Sales Affiliate entity, all sponsorship rights, their position in the Compensation Plan and all rights to com­missions and bonuses. Independent Sales Affiliates who fail to renew their Independent Sales Affiliate sta­tus may not reapply under a new sponsor for three (3) months after non-renewal. SECTION THREE: SPONSORSHIP 3.01 SPONSORING Independent Sales Affiliates may sponsor other Independent Sales Affiliates into Company's business. Independent Sales Affiliates must ensure that each potential new Independent Sales Affiliate has reviewed and has had access to the current Policies and Procedures, Terms and Conditions and Com­pensation Plan prior to or when giving the individual an Agreement. 3.02 MULTIPLE AGREEMENTS If an applicant submits multiple Independent Sales Affiliates which list different spon­sors, only the first completed Agreement received by Company will be ac­cepted. 3.03 TRAINING REQUIREMENT A Sponsor must maintain an ongoing professional leadership association with Independent Sales Affiliates in his or her organization and must fulfill the obligation of performing a bona fide supervisory or sales function in the sale or delivery of products and services. 3.04 INCOME CLAIMS Independent Sales Affiliates must truthfully and fairly describe the Compensation Plan. No past, potential or actual income claims may be made to prospective Independent Sales Affiliates, nor may Independent Sales Affiliates use their own incomes as indications of the success assured to others. Commission checks may not be used as mar­keting materials. Independent Sales Affiliates may not guarantee commissions or estimate expenses to prospects. 3.05 TRANSFER OF SPONSORSHIP The company does not permit the transfer of sponsors. Network Marketing is a business of creating relationships. Once a Independent Sales Affiliate is sponsored, the company believes in maximum protection of that relationship. The only exception is upon prior written ap­proval of Company to correct ethical violations as determined at the sole discre­tion of Company. 3.06 CROSS SPONSORING Independent Sales Affiliate may not sponsor, or attempt to sponsor, any non personally sponsored Affiliate s in any other Network Marketing Company. In addition, no Independent Sales Affiliate may participate in any action that causes another Independent Sales Affiliate to be sponsored through someone else into another network marketing company. SECTION FOUR: RESIGNATION/TERMINATION 4.01 VOLUNTARY RESIGNATION a) Independent Sales Affiliate may voluntarily terminate his or her Independent Sales Affiliate status by failing to renew or by sending thirty (30) days written notice of such resignation or termination to Company. Voluntary resignation is effective upon receipt of such notice by Company. b) Independent Sales Affiliate who resigns or terminates their Independent Sales Affiliate status may reapply as Independent Sales Affiliate, three (3) months after resignation. 4.02 SUSPENSION Independent Sales Affiliate may be suspended for violating the terms of his or her Agree­ment, which includes these Policies and Procedures, the Terms and Conditions and the Compensation Plan and other documents produced by Company. When a decision is made to sus­pend Independent Sales Affiliate, Company will inform the Independent Sales Affiliate in writing that the sus­pension has occurred effective as of the date of the written notification, the reason for the suspension and the steps necessary to remove such suspen­sion (if any). The suspension notice will be sent to the Independent Sales Affiliates “address on file” pursuant to the notice provisions contained in the Policies and Procedures and Terms and Conditions. Such suspension may or may not lead to termination of the Independent Sales Affiliate as so determined by Company at its sole discretion. If the Independent Sales Affiliate wishes to appeal, Company must receive such appeal in writing within fifteen (15) days from the date of the suspension notice. Company will re­view and consider the suspension and notify the Independent Sales Affiliate in writing of its decision within thirty (30) days from the date of the suspension notice. The decision of Company will be final and subject to no further review. Company may take certain action during the suspension period, including, but not limited to, the following: a) Prohibiting the Independent Sales Affiliate from holding himself or herself as Independent Sales Affiliate or using any of Company's proprietary marks and/or materials; b) Withholding commissions and bonuses that are due the Independent Sales Affiliate during the suspension period; c) Prohibiting the Independent Sales Affiliate from purchasing services and products from Company; and/or; d) Prohibiting the Independent Sales Affiliate from sponsoring new Independent Sales Affiliates, con­tacting current Independent Sales Affiliates or attending meetings of Independent Sales Affiliates. If Company, at its sole discretion, determines that the violation which caused the suspension is continuing, and has not satisfactorily been resolved or a new violation involving the suspended Independent Sales Affiliate has occurred, the suspended Independent Sales Affiliate may be terminated. 4.03 TERMINATION Independent Sales Affiliate may be immediately terminated for violating the terms of his or her Agreement, which includes these Poli­cies and Procedures, Terms and Conditions and the Compensation Plan and other documents produced by Company upon written notice. Company may terminate a violating Independent Sales Affiliate with­out placing the Independent Sales Affiliate on suspension, at Company's sole discretion. When the decision is made to terminate Independent Sales Affiliate, Company will inform the Independent Sales Affiliate in writing at the address in the Independent Sales Affiliate's file that the termination has occurred. 4.04 APPEAL If Independent Sales Affiliate wishes to appeal the termination, Company must receive the appeal in writing within fifteen (15) days from the date of notice of termina­tion. If no appeal is received within the fifteen (15) day period, the termina­tion will automatically be deemed final. If Independent Sales Affiliate files a timely notice of appeal, Company will review the appeal and notify the Independent Sales Affiliate of its deci­sion within ten (10) days after receipt of the appeal. The decision of Company will be final and subject to no further review. In the event the termination is not rescinded, the termination will remain effective as of the date stated in the original termination notice. 4.05 EFFECT OF TERMINATION Immediately upon termination, the terminated Independent Sales Affiliate: a) Must remove and permanently discontinue the use of the trademarks, service marks, trade names and any signs, labels, stationary or advertising referring to or relating to any product, plan or program of Company. b) Must cease representing themselves as Independent Sales Affiliate of Company; c) Loses all rights to his or her Independent Sales Affiliate position in the Com­pensation Plan and to all future commissions and earnings resulting there­from; d) Must take all action reasonably required by Company relating to protection of Company's confidential information. Company has the right to offset any amounts owed by Independent Sales Affiliate to Company including, without limitation, any indemnity obligation incurred pursuant to Section 11.01 herein, from commissions or other compensation due to the Independent Sales Affiliate. 4.06 REAPPLICATION The acceptance of any reapplication of a terminated Independent Sales Affiliate or the application of any family member of a terminated Independent Sales Affiliate shall be at the sole discretion of Company and can be denied. 4.07 STATE LAWS Where state laws on termination are inconsistent with this policy, the applicable state law shall apply. SECTION FIVE: TRANSFERABILITY 5.01 ACQUISITION OF BUSINESS Any Independent Sales Affiliate desiring to acquire an interest in another Independent Sales Affiliate's business must first terminate his or her Independent Sales Affiliate status and wait three (3) months before becoming eligible for such a purchase. All such transactions must be fully disclosed and must be approved by Company in advance. 5.02 TRANSFERS OF AFFILIATES Except as expressly set forth herein, Independent Sales Affiliate may not sell, assign or otherwise transfer his or her Independent Sales Affiliate entity (or rights thereof) to another Independent Sales Affiliate or to an individual which has an interest in Independent Sales Affiliate entity. Notwithstanding the foregoing, Independent Sales Affiliate may transfer his or her Independent Sales Affiliate entity to his or her sponsor, subject to the conditions of Section 5.03. In such an event, the sponsor's entity and the transferring Independent Sales Affiliates entity shall be merged into one entity. 5.03 CONDITIONS TO TRANSFERABILITY Independent Sales Affiliates may not sell, assign, merge or transfer his or her Independent Sales Affiliate entity (or rights thereto) without the prior written approval of Company and com­pliance with the following conditions: a) Company possesses the right of first refusal with respect to any sale, assign­ment, transfer or merger of any Independent Sales Affiliate entity. Independent Sales Affiliate wishing to sell, assign, transfer or merge his or her Independent Sales Affiliate entity must first provide Company with the right and option to make such a purchase or receive such transfer in writing on the same terms and conditions as any outstanding or intended offer. Company will advise the Independent Sales Affiliate within ten (10) business days after re­ceipt of such notice of its decision to accept or reject the offer. If Company fails to respond within the ten (10) day period or declines such offer, the Independent Sales Affiliate may make the same offer or accept any outstanding offer which is on the same terms and conditions as the offer to Company to any person or entity who is not Independent Sales Affiliate, married to, or a dependent of Independent Sales Affiliate or who has any interest in Independent Sales Affiliate; b) The selling Independent Sales Affiliate must provide Company with a copy of all documents which detail the transfer, including, without limitation, the name of the pur­chaser, the purchase price and terms of purchase and payment; c) An office administration transfer fee of $100.00 must accompany the transfer documents; d) The documents must contain a covenant made by the selling Independent Sales Affiliate for the benefit of the proposed purchaser not to compete with the purchaser or attempt to divert or sponsor any existing Independent Sales Affiliate for a pe­riod of one (1) year from the date of the sale or transfer; e) Upon a sale, transfer or assignment being approved in writing by Company, the buying Independent Sales Affiliate must assume the position and terms of agreement of the selling Independent Sales Affiliate and must execute a current Agreement and all such other documents as required by Company; and f) Company reserves the right, at its sole discretion, to stipulate additional terms and conditions prior to approval of any proposed sale or transfer. Company re­serves the right to disapprove any sale or transfer, where allowed by law. 5.04 CIRCUMVENTION OF POLICIES If it is determined, at Company's sole discretion, that Independent Sales Affiliate entity was transferred in an effort to circumvent compliance with the Agreement, the Policies and Procedures, Terms and Conditions or the Compensation Plan, the transfer will be de­clared null and void. The Independent Sales Affiliate entity will revert back to the transfer­ring Independent Sales Affiliate, who will be treated as if the transfer had never occurred from the reversion day forward. If necessary and at Company's sole discretion, ap­propriate action, including, without limitation, termination, may be taken against the transferring Independent Sales Affiliate to ensure compliance with the Policies and Procedures and Terms and Conditions. 5.05 SUCCESSION Notwithstanding any other provision of this Section, upon the death of Independent Sales Affiliate, the Independent Sales Affiliateship will pass to his or her successors in interest as provided by law. However, Company will not recognize such a trans­fer until the successor in interest has executed a current Agreement and submitted certified copies of the death certificate, will, trust or other instru­ment required by Company. The successor will thereafter be entitled to all the rights and be subject to all the obligations of a Company Independent Sales Affiliate. 5.06 RE-ENTRY Any Independent Sales Affiliate who transfers his or her Independent Sales Affiliateship must wait for three (3) months after the effective date of such transfer before becoming eligible to reapply to become a Independent Sales Affiliate. SECTION SIX: PROPRIETARY INFORMATION 6.01 CONFIDENTIALITY AGREEMENT During the term of the Agreement, Company may supply to Independent Sales Affiliates con­fidential information, including, but not limited to genealogical and Downline reports, customer lists, customer information developed by Company or devel­oped for and on behalf of Company by Independent Sales Affiliates (including, but not limited to, credit data, customer and Independent Sales Affiliate profiles and product purchase infor­mation), Independent Sales Affiliate lists, manufacturer and supplier information, business reports, commission or sales reports and such other financial and business information which Company may designate as confidential. All such information (whether in written or electronic format) is proprietary and confidential to Company and is transmitted to Independent Sales Affiliates in strictest confidence on a “need to know” basis for use solely in Independent Sales Affiliates business with Company. Independent Sales Affiliates must use their best efforts to keep such information confidential and must not dis­close any such information to any third party, or use this information for any non-company activity directly or indirectly while a Affiliate and thereafter. Independent Sales Affiliates must not use the information to compete with Company or for any purpose other than promoting Company's program and its products and services. Upon expiration, non-renewal or termination of the Agreement, Independent Sales Affiliates must discontinue the use of such confidential information and promptly return any confidential information in their possession to Company. 6.02 COPYRIGHT RESTRICTIONS With respect to product purchases from Company, Independent Sales Affiliates must abide by all manufacturers' use restrictions and copyright protections. 6.03 VENDOR CONFIDENTIALITY Company's business relationships with its vendors, manufacturers and suppli­ers are confidential. Independent Sales Affiliates must not contact, directly or indirectly, or speak to, or communicate with any supplier or manufacturer of Company except at Company sponsored events at which the supplier or manufacturer is present at the request of Company. SECTION SEVEN: TRADEMARKS, LITERATURE & ADVERTISING 7.01 TRADEMARKS Companies name trademarks, service marks and copyrighted materials are owned by the Company. The use of such marks and materials must be in strict compli­ance with these Policies and Procedures. 7.02 ADVERTISING & PROMOTIONAL MATERIALS Only the promotional and advertising materials produced by Company or ap­proved in advance in writing by Company may be used to advertise or promote a Independent Sales Affiliate's business or to sell products and services of Company. Company's litera­ture and materials may not be duplicated or reprinted without the prior written permission. 7.03 USE OF COMPANY NAME Independent Sales Affiliates may use the name of Company only in the following format: “Independent Independent Sales Affiliate for Pay Yourself First”. 7.04 STATIONERY AND BUSINESS CARDS Independent Sales Affiliates are not permitted to “create” their own stationery, business cards or letterhead graphics, if Company's trade name or trademarks are used. Only the approved Company's graphics version and wording are permitted; letterhead, envelopes and business cards must be ordered using the online/stationery order form. 7.05 ELECTRONIC ADVERTISING Independent Sales Affiliates may not advertise or promote their Independent Sales Affiliate business or Company's business, products or marketing plan or use Company's name in any elec­tronic media or transmission, including on the Internet via web sites or oth­erwise, without the prior written approval of Company's legal department. 7.06 TELEPHONE LISTING Independent Sales Affiliates are not permitted to use Company's trade name in advertising their telephone and telecopy numbers in the white or yellow page sections of the telephone book. Independent Sales Affiliates are not permitted to list their telephone num­bers under Company's trade name without first obtaining Company's prior written ap­proval. If approval is granted for an “800” listing, it must be stated in the following manner: “Independent Independent Sales Affiliate for Company”. 7.07 TELEPHONE ANSWERING Independent Sales Affiliates may not answer the telephone by saying “Pay Yourself First,” or in any other manner that would lead the caller to believe that he or she has reached the offices of the Company. 7.08 IMPRINTED CHECKS Independent Sales Affiliates are not permitted to use Company trade name or any of its trade­marks or service marks on their business or personal checking accounts. 7.09 MEDIA INTERVIEWS Independent Sales Affiliates are prohibited from granting radio, television, newspaper tab­loid or magazine interviews or using public appearances, public speaking engagements, or making any type of statement to the public media to pub­licize the Company, its products or Company businesses, without the express prior written approval of Company. All media inquires should be in writing and referred to Company's corporate office, legal department. 7.10 ENDORSEMENTS No endorsements by a Company officer or administrator or third party may be asserted, except as expressly communicated in Company literature and com­munications. Federal and state regulatory agencies do not approve or en­dorse direct selling programs. Therefore, Independent Sales Affiliates may not represent or imply, directly or indirectly, that Company's programs, products or services have been approved or endorsed by any governmental agency. 7.11 RECORDINGS Independent Sales Affiliates may not produce or reproduce for sale or personal use prod­ucts sold by Company or any Company-produced literature, audio or video material, pre­sentations, events or speeches, including conference calls. Video and/or au­dio taping of Company meetings and conferences is strictly prohibited. 7.12 REPACKAGING PROHIBITED Independent Sales Affiliates may not repackage products or materials of Company. 7.13 INDEPENDENT COMMUNICATIONS Independent Sales Affiliates, as Independent Contractors, are encouraged to distribute information and direction to their respective Downlines. However Independent Sales Affiliates must identify and distinguish between personal communications and the official communications of Company. SECTION EIGHT: PAYMENT OF COMMISSIONS 8.01 BASIS FOR COMMISSIONS Commissions and other compensation cannot be paid until a completed Agreement has been received and accepted by Company. Commissions are paid ONLY on the sale of Company services and products. No commissions are paid on the purchase of Sales materials or for Sponsoring Independent Sales Affiliates. In order to receive commissions on products and services sold, Company must have received and accepted an Agreement prior to the end of the commission period in which the sale is made. 8.02 COMMISSION PERIOD A business period refers to the time period opening on the first (1st) day of the commission period and extending up until order entry closes on the last business day of the period (5:00 p.m.). Company offices are open Monday through Friday 9 a.m.-6 p.m., with the exception of certain holidays as posted by Company. 8.03 COMMISSION PAYMENTS Commissions are paid to “qualified” Independent Sales Affiliates as defined within the Compensation Plan. Independent Sales Affiliates must consult the Compensation Plan for a detailed explanation of the benefits, commission structure and require­ments of the Compensation Plan. 8.04 OFFSET OF COMMISSIONS Any commissions or bonuses earned and paid on products returned is the obligation of and must be repaid to Company by Independent Sales Affiliates earning such commissions. Company has the right to offset such amounts against future com­missions and other compensation paid or owed to such Independent Sales Affiliates who received commissions. SECTION NINE: PURCHASE & SALE OF PRODUCTS 9.01 STOCKPILING PROHIBITED The success of Company depends on retail sales to the ultimate consumer; there­fore all forms of stockpiling are prohibited. Company recognizes that Independent Sales Affiliates may wish to purchase certain products for their own use. However, Company strictly prohibits the purchase of products in unreasonable amounts and prohibits the purchase of products only or primarily to qualify for compensation. 9.02 RETAIL SALES RULES Independent Sales Affiliates must save a copy of the Retail Sales Slip given to retail customers; receipt shall be fully completed and in­clude the name, address and phone number of each retail customer and, upon request by Company, provide copies of such receipts to Company. If Company deter­mines that retail sales were not actually made, the Independent Sales Affiliate must repay Company all commissions earned during the calendar period in which the retail sales were to have been made. 9.03 OVER 70% RULE In order to receive commissions and overrides, Independent Sales Affiliates must certify on each product order form that they have sold over seventy percent (70%) in dollar value of all products and commissionable services previously purchased by the Independent Sales Affiliate at wholesale from the company, to Non-Independent Sales Affiliate consumers. Independent Sales Affiliates shall maintain retail sales records available to the company for inspected on request. 9.04 ORDERING METHODS All orders submitted to Company shall have the Independent Sales Affiliate Identification Num­ber placed thereon to assist Company in crediting the appropriate Independent Sales Affiliate. 9.05 PAYMENT OPTIONS Purchases may be paid by cashier's check, ACH, debit card, money order, or major credit card. The Independent Sales Affiliate and retail customers are responsible for paying the costs of any returned checks plus an administrative fee charged by Company, which fee may change at any time based on past payment history of the customer. If an underpayment is made, the order will not be processed until the full amount is received by Company. If an overpayment is made, Company will process the order and issue a credit to Independent Sales Affiliate's account, which will automatically refund on the next commission check paid to Independent Sales Affiliate. Orders will not be processed if cancellation of a credit card is made. Orders for products are not effective until accepted by Company. To expedite shipping, Independent Sales Affiliates may authorize Company to keep a valid credit card on file as security for payment. Overdue amounts will accrue interest at the annual rate of 18% or at a high­er if permitted by law. 9.06 SHIPPING AND HANDLING POLICY Subject to availability all products will be shipped by UPS or other similar service within ap­proximately three (3) business days of receipt of payment. Payment for prod­ucts shall be made at time of order. At Independent Sales Affiliate's option, the prod­uct may be shipped to a customer's designated “Ship-To address”, or to the Independent Sales Affiliate. 9.07 PRODUCT DELIVERY Upon clearance of payment, the products and materials ordered will be shipped. 9.08 BACK ORDER POLICY Company will expeditiously ship all products currently in stock. Any out-of-stock items (unless discontinued) will be placed on back order and dis­tributed upon Company receiving additional inventory. Independent Sales Affiliate will be charged and granted commissions on back ordered items once they are shipped unless notified of the discontinuance of such product. Back orders may be cancelled upon Independent Sales Affiliate's request and will create a credit on the Independent Sales Affiliate's account. 9.09 DAMAGED GOODS The shipping company is responsible for any damage that occurs after it takes physical custody of the products. A Independent Sales Affiliate who receives damaged goods should follow this procedure: a) Accept delivery; b) Before the driver leaves, document on the delivery receipt the num­ber of boxes which seem to be damaged and have the driver acknowledge the damage in writing; c) Save the damaged products or boxes for inspection by the shipping agent; d) Make an appointment with the shipping company to have the dam­aged goods inspected, and call the Company Customer Service Department. 9.10 SHIPPING LOSS In the event Independent Sales Affiliate or a consumer does not receive a prod­uct order from Company in a timely fashion, the individual should contact the Sales Department at Pay Yourself First. 9.11 REFUSED SHIPMENTS Should Independent Sales Affiliate refuse delivery on any order he or she has placed with Company and such product is subsequently returned to Company; Company shall have the right to place that Independent Sales Affiliate on suspension pending resolution of the refusal of delivery. Neither Independent Sales Affiliate nor a consumer shall refuse any ship­ment from Company unless prior approval of Company has been obtained. 9.12 PRICING POLICY Company will furnish Independent Sales Affiliates with a discount from its published retail prices in its then current consumer catalog or order form in accordance with its policies. This discount does not apply to literature, business aids, gifts or special promotional items. Prices for Company's products, services and literature are subject to change without prior notice. 9.13 RECEIPTS Independent Sales Affiliates must provide all retail purchasers of Company's products with writ­ten receipts. 9.14 RETAIL PRICING Company provides a suggested retail price as a guideline. 9.15 PROMOTIONAL ITEMS All promotional items which bear Company name or logo must be purchased solely from Company unless prior written permission is obtained from Company. 9.16 SALES TAX Company may collect sales tax on taxable items. Independent Sales Affiliates may be responsible to collect and remit sales tax on personal retail sales to the appropriate tax agencies. 9.17 PLACE OF SALE The integrity of Company's marketing plan is built upon person-to-person, one-on-one and in-home presentation methods of sale. Company's products may not be sold to or displayed by any retail outlet, including, but not limited to supermarkets or food stores, flea markets or swap meets, permanent restau­rant displays, bars or night clubs or any such similar establishment, conve­nience stores or gas stations. 9.18 PRODUCT & SERVICES CLAIMS Independent Sales Affiliates may make no claim, representation or warranty concerning any product or service of Company, except those expressly approved in writing by Company or contained in official Company materials. 9.19 FAX BLASTS, SPAMMING Fax blasting and unsolicited e-mailing (SPAMMING) is prohibited. SECTION TEN: RETAIL GUARANTEE & REFUND POLICY 10.01 RETAIL CUSTOMER GUARANTEE Independent Sales Affiliate offers a thirty (30) day, 100% money-back, and satisfaction guarantee to all retail customers. If a retail customer is dissatisfied with any product for any reason, then the retail customer may return that product in its origi­nal package and shipping container to the Independent Sales Affiliate who sold the product within thirty (30) days of purchase, for either replacement or a full refund of the purchase price. All other warranties and guarantees are disclaimed. 10.02 WARRANTIES Except as expressly stated herein, Company makes no warranty or representa­tion as to the merchantability, fitness for a particular purpose, workmanship or any other warranty concerning any product or service purchased from or through Company. 10.03 RETURN POLICIES To return products you must obtain a return merchandise authorization (RMA) and return the products within 7 days after you receive the RMA. Company will refund the original purchase price of products, and related sales taxes. SHIPPING & HANDLING FEES ARE NOT REFUNDABLE. YOU ARE RESPONSIBLE FOR PRODUCTS UNTIL Company RECEIVES THEM. YOU WILL BE CHARGED A RESTOCKING FEE OF 10% TO RETURN PRODUCTS. Returned products must be in the same condition as you received them. THIS RETURN POLICY IS NOT A WARRANTY. NOTE: Company will not accept for return any products you purchased from a Reseller. In order to properly process a refund or exchange, Independent Sales Affiliates must fol­low the steps and conditions set forth below: All returns to Company must be accompanied by: a) A signed statement from the retail customer identifying the rea­son for the return; b) A copy of the original retail sales receipt; and c) The name, address and telephone number of the retail customer d) Company will prepay the cost of shipping the replacement product(s). Independent Sales Affiliate request for refund may, at company's option, be treated as a termination of the Independent Sales Affiliateship. 10.04 BUYER'S RIGHT TO CANCEL Federal law grants a buyer the right to cancel certain sales without penalty prior to midnight of the third business day after the transaction. This rule covers retail consumer sales of $25.00 or more that occur away from the seller's main office. Independent Sales Affiliates must orally inform the buyer of the three-day right to cancel at the time the buyer purchases the goods and deliver 2 three-day cancellation notices to every customer. SECTION ELEVEN: GENERAL PROVISIONS 11.01 INDEMNITY AGREEMENT Each and every Independent Sales Affiliate agrees to indemnify and hold harmless Company, its shareholders, officers, directors, employees, agents and successors in in­terest from and against any claim, demand, liability, loss, cost or expense including, but not limited to, court costs and attorneys' fees, asserted against or suffered or incurred by any of them, directly or indirectly arising out of or in any way related to or connected with allegedly or otherwise, the Independent Sales Affiliates (a) activities as Independent Sales Affiliate; (b) breach of the terms of the Agreement; and/or (c) violation of or failure to comply with any applicable federal, state or local law or regulation. 11.02 PROCESSING CHARGES Company reserves the right to institute a processing charge for commission checks and/or genealogy requests. 11.03 OTHER SERVICES & PRODUCTS Independent Sales Affiliates may not promote or sell another company's products or ser­vices at functions organized to feature Company's products. Independent Sales Affiliates are not restricted from selling other company's services and products which are not similar to or competitive with the products and services of Company. How­ever promotion of competitive services, products and/or business programs with anyone, including Independent Sales Affiliates, is strictly prohibited. 11.04 LIABILITY To the extent permitted by law, Company shall not be liable for, and each Independent Sales Affiliate releases Company from, and waives all claims for any loss of profits, indi­rect, direct, special or consequential damages or any other loss incurred or suffered by Independent Sales Affiliate as a result of (a) the breach by Independent Sales Affiliate of the Agreement and/or the Terms and Conditions and/or the Policies and Procedures; (b) the operation of Independent Sales Affiliate's business; (c) any incorrect or wrong data or information provided by Independent Sales Affiliate; or (d) the failure to provide any information or data necessary for Company to operate its business, including, with­out limitation, the enrollment and acceptance of Independent Sales Affiliate into the Com­pensation Plan or the payment of commissions and bonuses. 11.05 RECORDKEEPING Company encourages all Independent Sales Affiliates to keep complete and accurate records of all their business dealings. 11.06 FORCE MAJEURE Company shall not be responsible for delays or failure in performance caused by circumstances beyond a party's control, such as but not limited to: fire, flood, earthquake, storm, power outages, labor difficulties, strikes, war, government decrees or orders and/or curtailment of a party's usual source of supply. 11.07 VIOLATIONS It is the obligation of every Independent Sales Affiliate to abide by and maintain the in­tegrity of the Policies and Procedures and Terms and Conditions. If Independent Sales Affiliate observes another Independent Sales Affiliate committing a violation, he or she should discuss the violation di­rectly with the violating Independent Sales Affiliate. If the Independent Sales Affiliate wishes to report such violation to Company, he or she must detail violations in writing only and mark the correspondence “Attention: Legal Department”. 11.08 AMENDMENTS Company reserves the right to amend the Agreement, Policies and Procedures, Terms and Conditions, its retail prices, product and service availability and the Compensa­tion Plan type at any time without prior notice as it deems appropriate. Amend­ments will be communicated to Independent Sales Affiliates through official Company website and or official Company publications. Amendments are effective and binding upon submission to the Company website. In the event any conflict exists between the original documents or policies and any such amendment, the amendment will control. 11.09 NON-WAIVER PROVISION No failure of Company to exercise any power under these Policies and Proce­dures or to insist upon strict compliance by Independent Sales Affiliate with any obliga­tion or provision herein, and no custom or practice of the parties at variance with these Policies and Procedures, shall constitute a waiver of Company's right to demand exact compliance with these Policies and Procedures. Company's waiver of any particular default by Independent Sales Affiliate shall not affect or impair Company's rights with respect to any subsequent default, nor shall it affect in any way the rights or obligations of any other Independent Sales Affiliate. No delay or omis­sions by Company to exercise any right arising from a default effect or impair Company's rights as to that or any subsequent or future default. Waiver by Company can be affected only in writing by an authorized officer of Company. 11.10 GOVERNING LAW The Agreement and these Policies and Procedures shall be governed by the laws of Alexandria VA United States. 11.11 DISPUTES In the event a dispute arises between the Company and a Independent Sales Affiliate regarding their respective rights, duties under this agreement, or in the event of a claim of breach of the Independent Sales Affiliate Agreement, it is agreed that such dispute shall be exclusively resolved pursuant to binding arbitration under the Commercial Rules of the American Arbitration Association with arbitration to occur at Alexandria VA United States. The Arbitrator may award, in addition to declaratory relief, contractual damages and shall award reasonable attorney’s fees and costs to the prevailing party. An award of attorney’s fees and costs shall continue through any review, appeal or enforcement of an arbitration decision. The arbitration decision may be enforced in any court of competent jurisdiction. This provision shall not be construed so as to prohibit either party from obtaining preliminary or permanent injunctive relief in any court of competent jurisdiction. The parties each expressly waive their right to collect consequential, punitive and exemplary damages from the other party. 11.12 ENTIRE AGREEMENT The Policies and Procedures are incorporated into the Agreement and, along with the Terms and Conditions and Compensation Plan, constitute the entire agreement of the parties regarding their business relationship. 11.13 SEVERABILITY If under any applicable and binding law or rule of any applicable jurisdic­tion, any provision of the Agreement, including these Policies and Proce­dures and Terms and Conditions, or any specification, standard or operating procedure which Company has prescribed is held to be invalid or unenforceable, Company shall have the right to modify the invalid or unenforceable provision, specification, standard or operating procedure or any portion thereof to the extent required to be valid and enforceable, and the Independent Sales Affiliate shall be bound by any such modifica­tion. The modification will be effective only in the jurisdiction in which it is required. 11.14 LIMITATION OF DAMAGES TO THE EXTENT PERMITTED BY LAW, COMPANY AND ITS AFFILIATES, OFFIC­ERS, DIRECTORS, EMPLOYEES AND OTHER REPRESENTATIVES, SHALL NOT BE LIABLE FOR, AND AFFILIATE HEREBY RELEASE THE FOREGOING FROM, AND WAIVE ANY CLAIM FOR LOSS OF PROFIT, INCIDENTAL, SPE­CIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES WHICH MAY ARISE OUT OF ANY CLAIM WHATSOEVER RELATING TO COMPANY PERFORMANCE, NONPERFORMANCE, ACT OR OMISSION WITH RESPECT TO THE BUSI­NESS RELATIONSHIP OR OTHER MATTERS BETWEEN ANY COMPANY AND COMPANY, WHETHER SOUNDING IN CONTRACT TORT OR STRICT LI­ABILITY. COMPANY SHALL NOT EXCEED AND IS HEREBY EXPRESSLY LIMITED TO, THE AMOUNT OF UNSOLD COMPANY SERVICES AND/OR PRODUCTS OF COMPANY OWNED BY THE AFFILIATE AND ANY COMMISSIONS OWED TO THE AFFILIATE. 11.15 NOTICE Any communication, notice or demand of any kind whatsoever which either the Independent Sales Affiliate or Company may be required or may desire to give or to serve upon the other shall be in writing and delivered by electronic commu­nication whether by telex, telegram, Email or telecopy (if confirmed in writ­ing sent by registered or certified mail, postage prepaid, return receipt re­quested). Any such communication, notice or de­mand shall be deemed to have been given or served on the date of confirmed dispatch, if by elec­tronic communication, or on the date shown on the return receipt or by other evidence if delivery is by mail. Home Office: Pay Yourself First 206 N. Washington St Alexandria VA 22314 United States Email: Phone: (855) PYF-CLUB

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