Asset Protector Group, LLC
Policy Manual
Revision November 1, 2008
Table of Contents
Chapter 1
Company and Associate
Mutual Benefit
Company and Associate Agreement of Mutual Benefit
Adhere to the Code of Ethics
Miscellaneous Associate Expenses
Resolution of Disputes
What Constitutes a Dispute
Intra Office Disputes Between Associates
Disagreement Between Company and Associate
Independent Contractor
Definition
Independent Contractor's Agreement
Tax Filing Requirements
Workers' Compensation Requirement
Company Authorization to Contract
Chapter 2
Office Policies
Discrimination Issues
Discrimination Accusations
Fair Employment Practices
Harassment
Changes in Name, Address and Telephone Number
Telephone Use
General
Long Distance Calls
Messages for Other Associates
Computer Use
Information Systems Usage
Information Systems Conduct
Computer Safety and Security Measures
Viruses
Copyright Infringement
The Internet
Summary
Maintaining Contact with the Office
Drug and Alcohol Use
Substance Use
Client or Customer Substance Use
Legal and Tax Advice Prohibited
Legal Advice
Tax Advice
Problem Reporting Procedures
Contacting the Company
Emergency Contacts
Confidentiality
Sales Meetings
Purpose
Attendance Requirements
Vacation / Leave Time for Associates
Employee Office Hours Observed Holidays
Legal Counsel Involvement
Lawsuits and Threats of Action
Associates
Unlicensed Assistants
Licensed Assistants
Chapter 3
Compensation
Commissions
Definition
Schedule of Compensation
Order Entry
Partial Receipt of Payments Reduction of Commissions and Fees
Referrals
Commission Agreements and Disputes
Referrals
Entitlement to Commission
Inter Office Disputes of Compensation
Intra Office Disputes of Compensation
Lead Generation
Drafting Offer and Guarantee Referral Fees
Termination of Affiliation
Introduction
The Policies and Procedures provided in this manual aid in the standard operating procedures of this firm. The Policy Manual is to be used as a guide in your day to day operations as a member of this firm. It will help promote cooperation among Associates, Affiliates, and Management. The manual provides clear understanding of standard practices and procedures to help avoid and settle disputes. And lastly, the manual will help you by guiding you in your activities and hopefully enhance your productivity.
The right to amend and change content of the Policy Manual is reserved for the Company on an as needed basis. The amendments and changes shall be reviewed during conference call meetings directly following any change to the policy. It is the responsibility of each Associate to keep abreast of all policy changes and to understand the policy set forth. Absence from any meeting discussing changes to policy does not provide an exemption to any Associate or Affiliate from these responsibilities. This Policy Manual is posted on company websites for review at any time.
Chapter 1
Affiliation: Company and Associate
Definitions: Associates and Affiliates may be used interchangeably. When there needs to be a differentiation, it will be stated.
Mutual Benefit
For the working relationship of the Company and Associate, the following policies will be used to establish mutual benefit to both parties:
Company and Associate Agreement of Mutual Benefit
• The Associate and Company each agree to engage in business that promotes the utmost manner of professionalism by promoting positive relations, enhancing the business's reputation and its profits, and increasing industry goodwill.
• The Associate agrees to put forth the best effort in selling the goods and services offered by the Company and to include the solicitation of new clients and customers for future business. Furthermore, the Associate agrees to act in lawful and ethical manners promoting the professionalism of himself as well as the firm to the greatest mutual benefit of both parties.
• The Associate, as agent for the Company, agrees to act on the behalf of the Company. If a conflict of interest occurs, the Associate will promptly notify the Company by email so that the Company can take appropriate steps in rectifying the conflict for the mutual protection of both parties involved in the transaction.
Associate Code of Ethics
Associate will conduct himself in a professional manner at all times when dealing with clients and prospective clients. He or she will present the material in a fair and honest manner. This is a fragile industry filled with scam artists and frauds. It is imperative that we present our programs honestly and that we do NOT oversell. We have an excellent and mature product. Sell it like it is. There is no need to embellish or oversell. Fully explain the fees, both one-time and recurring so there is no question or need for reselling after the customer comes on board. Surprises are unnecessary and unappreciated by the customer. We have an excellent reputation. Do not damage it.
Miscellaneous Associate Expenses
• Any expenses relating to customer/client entertainment and agent's personal promotion will be paid for by the associate. Associate is responsible for his or her own computer, internet connection, telephone connection, maintenance charges, marketing and sales expenses, personal supplies, office overhead, and all other business related expenses..
Resolution of Disputes
Misunderstandings about Company prospects or sales are to be handled through the following processes to negotiate in an equitable manner these types of situations that may arise.
What Constitutes a Dispute?
Disputes are disagreements between Associates in regards to:
• The equitable right to work with a certain prospect
• The right to a split of commission or fee when more than one Associate knowingly or unknowingly works with the same customer/client
• The percentage split of commission or fee earned when two Associates have worked with the same customer/client
Intra office Disputes between Associates
First and foremost, the Associates in conflict must try to come to an agreeable mutual settlement.
In the event the Associates cannot meet a satisfactory agreement, the Company shall hear both sides of the argument in a meeting with the involved parties. If a legitimate dispute exists, the Company will make a determination of action to follow. All intra-office disputes must be reported promptly to the Company. Personal disagreements not involving business related matters are not the responsibility of the Company. However, in an effort to promote goodwill, the Company can counsel the aggrieved parties.
Disagreement between Company and Associate
Disagreements or disputes between Associate and Company pertaining to:
• A conflict arising out of, or in connection with, their business relationship and dealings
• The company policy
• Transactions
• Any business related practice unresolved between the Associate and Company will be submitted to arbitration.
Independent Contractor
Definition
The relationship of the Associate to the Company is that of an Independent Contractor. This relationship affords the Associate maximum freedom and flexibility. It is established and described in a contract. It must be signed by the Associate and is included upon affiliation with the Company.
To meet state and federal requirements, an Associate is an Independent Contractor if
• Substantially all of the sales associate's income performed as a sales agent (90% or more) must be directly related to sales or other output rather than to the number of hours worked.
• A written agreement which specifically states that the Associate will not be treated as an employee for federal and state tax purposes with respect to services performed.
Independent Contractor's Agreement
Upon affiliation with this Company, the Associate enters an Independent Contractor's agreement with the Company setting forth the duties and responsibilities of both parties. This agreement shall include, but shall not be limited to, the following:
• The terms of compensation for work performed during the time of affiliation with the Company.
• The terms of compensation for work in progress but not completed prior to termination of affiliation with the Company.
• A written accounting to the Company, at the time of termination of affiliation, of the names of all prospective contacts which the Associate encountered during affiliation with the Company.
• A provision for the return to the Company, at the time of termination of affiliation, all property of the Company in Associate possession or control, including but not limited to: all email files, computerized files, access codes and records of any kind used in connection with the sale of company goods and services.
Tax Filing Requirements
Each Associate is responsible for maintaining the necessary personal financial records for purposes of reporting income for state and federal tax requirements. The Company's obligation is limited to providing a 1099 form which summarizes annual income. The Company is not liable for deduction of Social Security, or income or unemployment taxes for any production based income.
Workers' Compensation Requirement
According to Florida state law, as long as the Company has a valid independent contractor agreement with an Associate and adheres to the requirements of the Tax Equity and Fiscal Responsibility Act of 1982, the Company is not responsible for paying Workers' Compensation Insurance. The Company/employer must maintain workers' compensation insurance for all workers/staff classified as employees under worker's compensation program guidelines.
Company Authorization to Contract
The obligation, commitment, or binding of a promise or representation by the Company is not valid unless the Associate receives authorization from the Company in writing and provided the Associate is authorized to execute guarantee sales on behalf of the Company and that the commission involved in the transaction is not less than that specified by the Company.
Authority to terminate or make amendments to the contract that alter the term and/or change the amount of compensation established in the contract is prohibited unless such request is first presented to the Company or manager of the company who is authorized to execute such terminations and amendments and grants authorization in writing.
Chapter 2
Office Policies
Discrimination Issues
1. In the sale of the Company’s good and services, the Associate has the responsibility to offer equal service to all clients and prospects without regard to race, color, religion, sex, handicap, familial status or national origin.
2. Associate shall not engage in any activity which has the purpose of inducing panic buying.
Discrimination Accusations
An investigation by the Company will follow any accusation of discrimination. If the investigation confirms a violation of discrimination, the Associate's affiliation with the Company will be terminated
Fair Employment Practices
It is the Company's policy that no person shall be discriminated against in either hiring or firing of personnel. It is discriminatory practice for an employer to:
1. Fail or refuse to hire or discharge any person or otherwise to discriminate against an individual with respect to compensation, terms, conditions or privileges of employment because of such individual's race, creed, color, religion, sex, age or national origin; or
2. Limit, segregate or classify an employee or applicants for employment in any way which would deprive or tend to deprive an individual of employment opportunities or otherwise adversely affect the status of an employee because of race, creed, color, religion, sex, handicap, familial status, age or national origin.
The Company shall provide reasonable accommodations to qualified individuals with disabilities, unless such accommodation would impose an undue hardship on business operations. Qualified individuals with disabilities are those who, with or without reasonable accommodation, can perform the essential functions of the job.
Harassment
Professional behavior is a requirement around your fellow associates, Company’s managers, company employees, staff and customers. Harassment, including verbal, physical, visual, religious, and sexual is strictly prohibited. A list of things that can be considered harassment:
• Any racial, ethnic, sexual, religious, jokes / slurs / or insults
• Any physical contact such as unwelcome touching, groping, grabbing, or pinching
• Any visual renderings of sexually suggestive materials or materials negatively reflecting an individual's ethnicity, race, ancestry, or sexual preference
• Any unwelcome sexual advances, physically, verbally, and visually of a sexual nature that has a purpose or effect of work performance interference, intimidation, or hostile/offensive working atmosphere
In the event an employee, Associate, or any other staff person feels that he or she has been harassed, the incident must be reported immediately to the office manager or Company. The anonymity of the accuser, as well as the accused, shall be held in confidentiality by the manager and/or Company. An investigation will commence and a written report will be filed. If the allegation involves the manager or Company as the accused of such action, an outside investigator may be retained. Retaliation against complaintants is strictly prohibited. Any employee, Associate or staff found guilty of engaging in harassment may be subject to disciplinary action up to and including reprimand, counseling, suspension, and termination.
Changes in Name, Address and Telephone Number
All changes in name, address, and telephone numbers of any Associate must be reported immediately by the Associate to the CSM who will make a record of the changes.
Messages for Other Associates
Accuracy and detail of message taking is important and essential to the business at hand. When taking a message for other Associates, employees, or staff, please include the following:
• The date and time of the call
• The name of the caller
• The telephone number where the caller can be reached
• The message left by the caller
• The name or initials of the person taking the message
Information Systems Conduct
Use of the information systems requires certain conduct be maintained to enhance professionalism among your working peers, customers, and clients. The following are strictly prohibited:
• Harassment, in any form, will not be tolerated
• Forwarding of messages or information that will disparage individuals or groups based on their gender, race, national origin or other protected characteristic
• Forwarding of messages which might disrupt the work place or damage morale
• Offensive comments, jokes/riddles, cartoons, pornography, profanity and offensive messages or information in any form
• Threatening messages or forms of other threatening communications
• Forgery or attempted forgery of e mail or voice mail
Viruses
Computer viruses are programs intentionally designed to crash, destroy, delete or make inoperable system programs, applications, or data. Copying or importing of unauthorized nonproprietary software can expose the Company to copyright infringement and computer viruses and is strictly prohibited. The effect of such hazards can expose the Company to costly remedies. The introduction of a computer virus can be obtained by means of and not limited to:
• Importation through the Internet
• Copying software which contains a computer virus of any sort, including software licensed by an individual, shareware, or freeware
• Unauthorized loading of non proprietary software
• Unauthorized downloading of an attached program through e mail or FTP (file transfer protocol).
All outside source software, disks, or data input sources must be checked for viruses and pre approved for downloading, loading, and importation.
Copyright Infringement
Any duplication of copyrighted software, except for backup purposes, is a violation of the Federal Copyright Law. All software installed must be non proprietary or properly licensed. Company will not tolerate any Associate making or importing unauthorized copies of software or data. Likewise, Company will not tolerate any Associate conveying Company software or data to an outside third party, including clients, members, customers, or associates in other companies, without proper written authorization.
According to the United States copyright law, illegal reproduction of software can be subject to civil damages of as much as $100,000 per copyright violated and criminal penalties, including fines and imprisonment. Associates learning of any misuse of software on the information systems or in related documentation shall immediately notify the CSM.
Internet and Computer Maintenance
The Internet is a powerful and beneficial tool for our Associates, clients and customers. It provides an unlimited resource tool for access to and delivery of information and interpersonal contacts. However, access to the Internet also carries with it significant risks and potential problems including non secure transfer of data and non reliability and accuracy of information. We must constantly be aware that our business depends on the safe working of this media. It is highly recommended that a firewall, virus detection software and disk cleaning system be installed on each computer used. At the Company, Firewalls and Anti-Virus software are constantly in use.
Use of the Internet also requires conformance to certain etiquette as recognized by other users of the Internet. When using the Internet, Associates are to conduct themselves as "ambassadors" of the Company and must show consideration and respect to others. Do not swear, use vulgarities or any other inappropriate language in your messages. Transmission or importing of any material or data in violation of any federal or state law or regulation is prohibited, including, but not limited to, copyrighted material, threatening, pornographic or obscene material, or information constituting trade secrets. It is the responsibility of each Associate to ensure that use of the Internet is done responsibly and economically, and that access to the Internet does not adversely affect his/her productivity.
Maintaining Contact with the Office
In the course of business, the Associate must provide a means of communication. It is recommended that the
Associate use Yahoo Instant Messenger for immediate contact with the Company. The company IM name is brutseller.
Drug and Alcohol Use
Substance Use
Drug and alcohol use are strictly prohibited while engaged in Company transactions and shall not be present or used during work hours unless medically prescribed and under the supervision of the Associate's health care provider. Any situations in which duties cannot be properly performed without the assistance of prescribed medication must be reported to the Company. Drug and alcohol use in the workplace may be grounds for termination.
Client or Customer Substance Use
An Associate should also discourage the use of drugs or alcohol by any party during a transaction. Upon discovering that a party is under the influence of either drugs or alcohol, the Associate should take appropriate action to terminate that day's activity and suggest that they discuss or complete the transaction another time.
Legal and Tax Advice Prohibited
Legal Advice
No Associate shall give legal advice to a party, offer opinion, or give advice regarding legal rights or obligations of a party. Parties may be advised to consult with their own attorneys. It is not a bad idea if someone asks for your opinion to clearly state, “I am not an attorney and cannot give legal advice, but . . .”
Tax Advice
No Associate shall give tax advice to a party, including advice pertaining to deductions, exemptions, and/or tax liabilities. If a tax question and an explanation is asked for, the Associate should suggest that the party consult an attorney, tax accountant or other appropriate persont having expertise in the area addressed by the client's or customer's question.
Contacting the Company
Emergency Contacts
The Company generally will be available during work hours. In the case of an emergency, the CSM may be contacted after business hours.
Confidentiality
All records of this office, as well as conversations between Associates, Company and Associates, and Associates and parties to the transaction, are considered confidential. No information obtained while working for this company shall be used to the detriment of the Company.
Sales Meetings
Purpose
Sales meetings are conducted via conference calls. Any company policy, company happenings, changes in the market, new procedures, law changes, etc. will be discussed during these meetings. The purpose of the sales meetings is to keep the Associates abreast of all facets of industry happenings. They are training periods, round table discussion periods, Q&A sessions concerning policies, procedures, new opportunities and sales techniques, and to share war stories. They are NOT bitch sessions.
Attendance Requirements
Conference calls meeting attendance is expected of all Associates. These meetings will be announced in advance to permit Associates to make necessary adjustments in their appointment scheduling.
Vacation / Leave Time for Associates
The Company does not control Associate's time off except that Associates must make themselves available for conference calls discussed in previous policy statements. However, if an Associate plans to be absent from communication for any period of time, he or she should inform the Company.
Employee Office Hours
Office hours are generally 8 a.m. – 5:30 pm, 7:30 p.m. – 9:00 pm, EST for Company office. Associates may set their own hours.
Observed Holidays
The following holidays will be observed:
Christmas
Easter Sunday
July 4th
Memorial Day Weekend
Labor Day Weekend
New Year’s Day
Thanksgiving
Legal Counsel Involvement
If a question arises in which the Associate feels that legal advice must be obtained, the Associate will inform the Company at which time the Company shall make the decision as to whether legal consultation is necessary. If legal consultation is required, the Company will consult with the attorney. Failure to follow these procedures, will exempt the Company from responsibility of any legal expenses incurred.
Lawsuits and Threats of Action
If the Associate is sued or threatened with a lawsuit or administrative action in conjunction with a transaction, immediate attention of the Company is required. The responsibility as to payment of legal fees will be determined on a case by case basis between the Company and Associate.
For the protection of all parties, all agreements shall be in writing and shall be in clear and understandable language expressing the specific terms, conditions, obligations, and commitments of the parties. A copy of each agreement shall be furnished to each party upon their verbal agreement to purchase The Services
document is required to be sent to each party purchasing the Company’s goods and services. The new customer upon initial visit to the customer service website must approve the Terms and Conditions for a sale to be completed.
Licensed Associates
Only Licensed Associates are authorized to enter orders through any Company portal or to receive compensation for any company product or service sold through such portals. All persons entering such orders agree that they are bound by an irrevocable two year Non-Compete Agreement which prohibits their marketing, selling, advertising, representing, or in any other manner offering a debt settlement program, competitive affiliate program, or any other entity which mirrors or is in any way similar to APG offerings. Time begins upon the termination or date of last order entered by that individual, whichever is later.
Unlicensed Associates
No Unlicensed Associate or person will be allowed to sell Company’s product offerings.
Chapter 3
Commissions
Definition
Compensation shall be defined as commissions and bonuses.
Schedule of Compensation
Commission checks are issued by the Company on a timely basis, timing to be determined by the Company. Generally commissions are reported through Order Confirmations and checks are ordered within 48 hours of receipt of payment, defined as cash received in bank. Special situations or special requirements for the compensation checks will be handled through the Company on a case by case basis. Compensation schedules are by contract. Pricing may change from time to time and may be altered by 30 day advance notice.
Partial Receipt of Payments
If payment for a sale is not made in full with the placement of the order and a payment plan is agreed upon, the Company must receive the minimum payment published at the time so the order may be entered. Recurring or partial payments must be received in a timely manner. Recurring payments for Privacy and Response modules are not commissionable.
Classification of Affiliates, Commission Agreements and Disputes
Referrals
When a referral is sent to an Associate by another Associate, they are bound by Associate and Affiliate rule: the one closing the sale earns the commission; the one referring earns a referral fee if the sale is closed.
Entitlement to Commission
Associates earn their commissions when sales are paid in full and all monies are accounted for. The exception is when partial payments are received. The following schedule demonstrates when commissions are earned on payment programs:
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Shielded Circle Program
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With 50% of full fee plus partial payments over 2 – 3 months
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Full commission is earned when the initial 50% is received.
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Shielded Circle Payment program (formerly called Premier Program)
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With full down payment, commission is earned upon receipt of 3rd monthly installment
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With 50% of down payment received followed by balance of down payment received the following month, commission is earned upon receipt of the 3rd monthly installment following payment in full of down payment.
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Examples:
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Client couple enters Shielded Circle payment program
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Their down payment is $1500, which they pay in full
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They pay the next three monthly installments of $700
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Commission is earned.
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Client couple enters Shielded Circle payment program
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Their down payment is $1500, of which they pay 50%
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The following month they pay the balance of the down payment
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They pay the next three monthly installments of $700
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Commission is earned.
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Client couple enters Shielded Circle payment program
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Their down payment is $1500, which they pay in full
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They pay the next one or two monthly installments of $700 and drop out of program
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Commission is not earned.
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Client couple enters Shielded Circle payment program
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Their down payment is $1500, of which they pay 50%
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The following month they fail to pay the balance of the down payment
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Commission is not earned.
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Client couple enters Shielded Circle payment program
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Their down payment is $1500, of which they pay 50%
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The following month they pay the balance of the down payment
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They pay the next one or two monthly installments of $700 and drop out of program.
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Commission is not earned.
Inter Office Disputes of Compensation
Any Associate becoming aware of any commission dispute with another Associate shall promptly inform the Company. In the event of a dispute involving compensation exists between Associates, the final decision on how compensation will be paid rests with the Company. Associates are expected to work out their own agreement on how the commission is to be split when a prospect is shared or turned over from one Associate to another. In the event any controversy between Associates concerning a commission, the dispute shall be resolved by the Company.
COMMISSION POLICY
THIS POLICY COVERS SALES AGENTS AND AFFILIATES
Classification of Affiliates
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Referral Affiliate or CPA Affiliate (Cost per Action)
This classification is for affiliates who only refer prospects to APG, those affiliates who do not wish to actually sell the Shielded Circle program.
Affiliates in this class are paid a $200 referral fee for each closed sale. There is a Referral Registration icon on the Affiliate website, www.apgaffiliates.com to enter the name and contact data of the individual being referred and the referring affiliate. Entries are time stamped. If more than one referring affiliate refers the same individual, the first to enter the referred party is considered to be the referring affiliate. These referrals are distributed to APG certified sales staff.
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Selling Affiliate
This classification is for affiliates who sell the Shielded Circle. While there are no fees in becoming a Selling Affiliate, there are requirements to becoming certified to sell our product. A Selling Affiliate is required to do the following:
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to listen to and/or attend a minimum of 3 Affiliate Training Webinars,
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to listen to and/or attend a minimum of 3 Prospect Webinars,
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to attend the online training on the affiliate web site,
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listen to all sessions of the Affiliate Success Seminar.
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as a minimum standard, upload the landing page to a web site to link to APG to generate leads
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within 90 days of becoming a Selling Affiliate, have a completed website. Note: The Affiliate Training and Prospect Webinars are recorded and available online.
Once the initial requirements are met, a Selling Affiliate can be enrolled in the system as an active selling affiliate. Orders for Shielded Circle programs can then be accepted, help will be available for closing calls, and they will be sent a Shielded Circle pin and certificate of completion of the sales training program.
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Master Affiliates
Established businesses which do not have access to Merchant Accounts but can produce volume sales may become Master Affiliates. This affiliate classification requires adherence to the same qualification as Selling Affiliates. In this classification, the M.A. receives the following:
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A professional website
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site hosting for 12 months
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Up to 20 email addresses
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10 Shielded Circle lapel pins
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100 Referral Cards
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4 hours one-on-one product/business coaching
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2 days training at corporate office (travel and lodging not included)
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Introduction to Executive Counsel
Becoming a Master Affiliate requires a one-time payment of $1200.
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Group Affiliate
A Group Affiliate is a certified APG sales person who relies on referrals from Referring Affiliates. This affiliate classification markets exclusively to associations, networks, and other large groups and enrolls them into the affiliate network in some classification. The key difference is that this type of affiliate markets to groups and not directly to customers. Commissions for this classification are paid on a 5% override basis.
The G.A. focuses on recruiting and training large referral networks and Super Affiliates. He reports directly to the Affiliate Manager and is responsible for submitting periodic production data and meeting sales projections. Added training and APG Management assistance is essential in approaching groups and professional individuals.
A Group Affiliate is required to have a professional website approved by APG for each group or network. One site may be approved for multiple markets. The chosen market will be protected based on performance criteria, geography, and/or extent of market. For example, only one G.A. can pursue a particular MLM, but assigning “attorneys” to one G.A. is not practical. Such protection will be reviewed monthly and protection beyond an establish time period cannot be guaranteed. However, once a producing relationship is attained, the protection can only be removed for cause.
In this classification orders are submitted to APG and commissions are paid according to Chapter 3 in the Office policy unless the G.A. recruits a Super Affiliate. See below.
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Super Affiliates
Super Affiliates are Selling Affiliates with other qualifications, such as established sales organizations and methods. They have Merchant Accounts in place and web presences. Contact the company for specific information. They can earn up to 50% commission on sales. Should an Affiliate recruit a Super Affiliate, he loses the referral commission and earns $1000 a month bonus for each month the Super Affiliate qualifies during the first calendar year.
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Commisions
The standard commission for most Affiliates is 20%. There are exceptions, such as the 50% commission earned on down payments of the Shielded Circle twelve month payment plan. Most Affiliates earn 20% on commissionable products. These products include the Shielded Circle full payment program, and the Shielded Circle Payment program twelve monthly installments. Noncommissionable products include the $148 monthly fee for the Privacy and Response modules of the Shielded Circle and those services which we outsource (e.g. Mortgage Modification and Credit Restoration).
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Bonuses
From time to time sales contest are announced which can earn significant bonuses. In addition, there is a standard bonus of $500 paid to any Selling, Master, or Group Affiliate who submits orders for eight paid deals in any calendar month. A paid deal would include fully paid Shielded Circle orders and Shielded Circle Payment orders submitted on which commissions are earned.
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Order Entry
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Affiliate Orders must be submitted on line for proper accounting.
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Orders must not be submitted prior to funding availability, e.g. prospects suggests payment will be available in a week, hold order until funding is ready. Once an order is submitted it is expected to be paid. Deviations from this policy will not be tolerated.
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New Affiliates Entering new Affiliates must be done on line with proper entry of Referring Affiliate noted.
Lead Generation
Associates are responsible for their own lead generation.
A prospect that calls in and requests a particular Associate will be the prospect of the Associate requested. Accordingly, Associates may wish to impress upon their prospects the importance of asking for him or her. It is up to the Associate to establish and maintain a strong prospect/Associate relationship. Disagreement between Associates on this issue will be resolved by the Company. Variance from this policy will be rare and will be justified only when the former Associate’s name is brought up in conversation by the prospect. In the event it is a spouse or significant other who makes the second call and was unaware to the first Associate’s name, there may be grounds for a commission split.
Drafting Our Services
All Services forms used shall be completed and handled as per this manual. The Associate shall familiarize himself/herself with the standard forms. These are updated regularly and are available on line through the virtual office.
Referral Fees
The Associate will have opportunities to receive referrals from prospects or those who have purchased the program from him or her. Any referral payment plan offered by the Associate for these leads must be paid directly by the Associate to the referring party. It is the responsibility of the Associate to establish any referral agency relationship with his or her clients or prospects.
Termination of Affiliation
Should the Company and the Associate terminate this relationship; the Associate will immediately turn in all company property including all transactional files. The Associate will contact the Company for final out-processing. The Company's supervisory responsibility shall terminate upon such notification. All leads become property of the Company. The Company reserves the right to reassign any lead or other contact upon termination by or of an Associate. Partial Payment sales made by the Associate prior to termination of this relationship shall be payable to him or her on the basis of the commission schedule applicable at the time of termination of this relationship.
Each Associate has or must have executed a NonDisclosure Agreement. This Agreement is binding for a period of two (2) calendar years. Any deviation from this Agreement will be considered a violation of that Agreement and will be prosecuted.
