Statement of
Policies and Procedures

International Markets Live - Version 3.0 - January 15th, 2019

TABLE OF CONTENTS
SECTION 1.0 - INTRODUCTION
SECTION 2.0 - BASIC PRINCIPLES
SECTION 3.0 - IML'S IBO RESPONSIBILITIES
SECTION 4.0 - AGREEMENT & GENERAL UNDERSTANDINGS
SECTION 5.0 - BUSINESS ENTITIES
SECTION 6.0 - POLICY VIOLATIONS
SECTION 7.0 - DISCIPLINARY ACTIONS
SECTION 8.0 - DISPUTE RESOLUTION
SECTION 9.0 - PAYMENT OF COMMISSIONS & BONUSES
SECTION 10.0 - ORDERING PRODUCT
SECTION 11.0 - IMLOPPORTUNITY
SECTION 12.0 - PROPRIETARY INFORMATION & TRADE SECRETS
SECTION 13.0 - PRIVACY POLICY
SECTION 14.0 - ADVERTISING, PROMOTIONAL MATERIAL, USE OF COMPANY NAMES AND TRADEMARKS
SECTION 15.0 - INTERNATIONAL MARKETING
SECTION 16.0 - GLOSSARY OF TERMS
STATEMENT OF POLICIES & PROCEDURES
  • 1.1 INTRODUCTION
  • 1.2 Mutual Commitment Statement
    • International Markets Live, Inc. (hereinafter referred to as "IM mastery academy™" or "IML") recognizes that in order to develop a long-term and mutually rewarding relationship with its Compensation Plan participants (hereinafter referred to as "Independent Business Owner(s)" or "IBOs") must acknowledge and respect the true nature of the relationship and support the "Customers".

    • In the spirit of mutual respect and understanding, IML is committed to:
        • Provide prompt, professional and courteous personal service and communications to all of its IBOs and Customers;
        • Provide the highest level of quality services, at fair and reasonable prices;
        • Exchange or refund the purchase price of any product, service or membership as provided in our return policies contained herein;
        • Deliver services promptly and accurately;
        • Pay earned commissions accurately and on a timely basis;
        • Expedite orders if an error or unreasonable delay occurs;
        • Roll out new services and programs with IBOs input and planning;
        • Implement changes in the Compensation Plan or Policies and Procedures that affect the IBOs with input from the IBOs (note: such changes will be effective thirty (30) days after the date it was published);
        • Support, protect and defend the integrity of the IML Income Opportunity;
        • Offer IBOs an opportunity to grow with IML with such growth guided by the principles of Servant Leadership.
    • In return, IML expects that its IBOs will:
        • Conduct themselves in a professional, honest, and considerate manner;
        • Present IML Corporate and services information in an accurate and professional manner;
        • Present the Compensation Plan, services and refund policies
          contained herein in a complete and accurate manner;
        • Not make exaggerated income or service claims;
        • Make reasonable effort(s) to support and train other IBOs and Customers in their sales and marketing organization;
        • Not engage in cross-line sponsoring, solicitation of competing services, unhealthy competition or unethical business practices;
        • Provide positive guidance and training to IML IBOs and Customers in their sales and marketing organizations while exercising caution to avoid interference with other IBO sales and marketing organizations. As such, an IBO is discouraged from providing training to other IBOs or Customers in a different sales and marketing organization;
        • Support, protect, and defend the integrity of the IML Income Opportunity;
  • 1.3 Code of Ethics
    • IML desires to provide its independent IBOs with the best Services, Training and Compensation Plan in the industry. Accordingly, IML values constructive criticism and encourages the submission of written comments addressed to the IML Compliance Team.
    • IBO's negative and disparaging comments about IM mastery academy™, its Services, the Agreement or Compensation Plan, made to IML, or to the field or at any IML meeting and/or event, or disruptive behavior at any meeting and/or event, serve no purpose other than to dampen the enthusiasm of other IBOs and Customers. IML IBOs must not belittle IM mastery academy™, fellow IML IBOs, IML Services, the Compensation Plan, or any and all IML directors, officers, or employees, suppliers or agents. Such conduct represents a material breach of these Policies and Procedures and may be subject to sanctions as deemed appropriate by IML.
    • IML endorses the following code of ethics:
        • An IBO must show fairness, tolerance, and respect to all people associated with IM mastery academy™, regardless of race, gender, social class or religion, thereby fostering a "positive atmosphere" of teamwork, good morale and community spirit.
        • An IBO shall strive to resolve business issues, including situations with other IBOs, by emphasizing tact, sensitivity, good will taking care not to create additional problems.
        • IML IBOs must be honest, responsible, professional and conduct themselves with integrity.
        • IML IBOs shall not make disparaging statements about IML, other IBOs, IML employees, suppliers or agents, Services, sales and marketing campaigns, or the Compensation Plan, or make statements that unreasonably offend, mislead or coerce others.
    • IML may take appropriate action against An IBO if it determines, in its sole discretion, that An IBO's conduct is detrimental, disruptive, or injurious to IM mastery academy™ or to other IBOs.
  • 1.4 IML Policies & Procedures and Compensation Plan Incorporated into the IBO Agreement
    • Throughout these Policies & Procedures, when the term "Agreement" is used, it collectively refers to the IML on-line Application, electronic signature process, the most current version of the Policies and Procedures in effect and any addendums thereto, the Compensation Plan, also referred to as the 'IML Platinum Reward Plan' (attached hereto as "ADDENDUM 2" and incorporated herein for all purposes), and any and all social media guidelines or any other guidelines which may be implemented from time to time and any amendments thereto.
    • It is the responsibility of the Sponsoring IBO to provide the most current version of these Policies and Procedures (available on the IML website), the Income Disclosure Statement, the IML Compensation Plan, and any and all social media guidelines or any other guidelines which may be implemented from time to time and any amendments thereto to their downline IBOs.
  • 1.5 Purpose of Policies & Procedures
    • IML is a direct to consumer, subscription based, training and education company that markets its Services through a network of independent business owners. To clearly define the relationship that exists between IBOs and IM mastery academy™, and to explicitly set a standard for acceptable business conduct, IML has established these Policies and Procedures.
    • IML IBOs and Customers are required to comply with; (i) all of the Terms and Conditions set forth in the Agreement which IML may amend from time to time in its sole discretion in accordance with the terms hereof; and (ii) all Federal, State, and/or local laws governing his, her and/or its IML business.
    • IML IBOs must review the information in these Policies and Procedures carefully. Should an IBO have any questions regarding a policy, rule or guidelines, the IBO is encouraged to seek an answer from the company FAQ, found on the website, their personal Sponsor, or the IML Customer Service Team by submitting an email to: [email protected].
  • 1.6 Changes, Amendments, and Modifications
    • Because Federal, state, local and international laws, as well as the business environment, periodically change, IML reserves the right to amend the IML Agreement
      and the prices in its 'IML Services Price List'(attached hereto as "ADDENDUM 1" and incorporated herein for all purposes) in its sole and absolute discretion. Notification of amendments shall appear in all official IML materials, IML website, social media outlets or the IBO's back office.
    • Any such amendment, change, or modification shall be effective thirty (30) days following notice by one of the following methods:
        • Posting on the official IML website;
        • Electronic mail (e-mail); or
        • Any IML communication channels or social media outlets (ie. Facebook, Instagram, Twitter and/or IML App).
  • 2.1 BASIC PRINCIPLES
  • 2.2 Becoming An IBO
    • To become an IBO, an applicant must comply with the following requirements:
        • Be of the age of majority (not a minor) in his or her province or territory of residence. We require a minimum age of 18 or older.
        • Reside or have a valid address in the United States or U.S. territory, Canada, Australia or country wherein IML is licensed to operate.
        • Have a valid tax payer identification number (i.e. Social Security
          Number, Federal Tax ID Number (TIN), federal Business Number, or proper personal identification number of the respective country;
        • Enter a verified mobile phone number or email address, which is not in use or associated with any other IML accounts, which will be verified.
  • 2.3 New IBO Registration
    • A potential new IBO may self-enroll on any IBO/Sponsor's website. In such event, IML will accept the web enrollment and IML Application by accepting the "electronic signature" stating the new IBO has accepted all terms and conditions of such the IML Agreement. Please note that such electronic signature constitutes a legally binding agreement between the IBO and IML.
    • Signed documents, including, but not limited to, IBO personal agreements, are legally binding contracts which must not be altered, tampered with or changed in any manner after they have been signed. False or misleading information, forged signatures or alterations to any document, including business registration forms, made after a document has been signed may lead to sanctions, up to and including involuntary termination of the IBO's position.
    • If one applicant enrolls creating an Account listing a certain sponsor and enrolls a second time listing multiple sponsors, only the first completed form to be received by IMLwill be accepted. IML reserves the right, at its sole discretion, to make the final decision with respect to all such disputes.
  • 3.1 IML'S IBO RESPONSIBILITIES
  • 3.2 Correct Address
    • It is the responsibility of the IBO or Customer to make sure IML has the correct contact information for all correspondence.
    • An IBO and/or Customer will need to allow up to seventy-two (72) hours for processing after the notice of address change has been received by IML Support Team.
  • 3.3 Training and Leadership
    • Any IML IBO who Sponsors another IBO into IML must perform an authentic assistance and training function to ensure his or her sales and marketing organization is properly operating his or her IML business. Sponsoring IBOs should have ongoing contact and communication with the IBOs in their sales and marketing organizations. (Examples of communication may include, but are not limited to, newsletters, written correspondence, telephone, direct contact, team conference calls, voice-mail, e-mail, personal meetings, accompaniment of downline IBOs to IML meetings, training sessions, events, workshops, and any other related functions.)
    • A Sponsoring IML IBO should monitor the IBOs in his or her sales and marketing organizations to ensure that IBOs do not make improper product or business claims or engage in any illegal or inappropriate conduct. Upon request, such IBO should be able to provide documented evidence to IML of his or her ongoing fulfillment of the responsibilities of a Sponsor.
    • Sponsoring IBOs are encouraged to educate and train new IBOs about IML's Services, effective sales techniques, the IML Compensation Plan, along with compliance with IML Policies and Procedures and any and all social media guidelines or any other guidelines and amendments thereto implemented at that time. Marketing product is a required activity in IML and must be emphasized in all recruiting presentations.
    • We emphasize and encourage all IBOs to sell IML's Services and services to Customers.
    • Use of Sales and marketing collateral. To promote both the Services and the opportunity IML offers, IBOs must use the sales and marketing collateral and support materials produced by IML. If IML IBOs develop their own sales and marketing collateral and promotional

      materials, which includes Internet advertising, notwithstanding IBOs' good intentions, along with the intentional violation of any number of statutes or regulatory laws affecting the IML business. These violations, although they may be relatively few in number, could jeopardize the IML opportunity for all IBOs. Accordingly, IBOs must submit via email all written sales and marketing collateral, promotional materials, advertisements, websites, training material, flyers, along with any other literature to the Compliance Team for approval prior to use. COMPLIANCE EMAIL: [email protected]. Unless the IBO receives specific written approval to use the material, the request shall be deemed denied. All IBOs shall safeguard and promote the good reputation of IML and its Services. The marketing and promotion of IML, the IML opportunity, the Compensation Plan, and IML Services shall be consistent with the public interest, and must avoid all discourteous, deceptive, misleading, unethical or immoral conduct or practices.
  • 3.4 Sponsorship
    • The Sponsor is the person who introduces an IBO or Customer to IML, helps them complete their enrollment, and supports and trains those in their sales and marketing organization.
    • IML recognizes the Sponsor as the name(s) shown on the first:
        • Physically signed IML IBO Agreement on file; or
        • Electronically signed IBO Agreement from a website or an IBO website.
    • An IBO Agreement that contains notations such as "by phone" or the signatures of other individuals (i.e. Sponsors, Spouses, relatives, or friends) is not valid and will not be accepted by IML.
    • IML recognizes that each new prospect has the right to ultimately choose his or her own Sponsor, but IML will not allow IBOs to engage in unethical sponsoring activities.
    • All active IBOs in good standing have the right to Sponsor and enroll others into IML. While engaged in sponsoring activities, it is not uncommon to encounter situations when more than one IBO will approach the same prospect. It is the accepted courtesy that the new prospect will be sponsored by the first IBO who presented a comprehensive introduction to IML Services or income opportunity.
  • 3.5 Unethical Sponsoring
    • Unethical sponsoring activities include, but are not limited to, enticing, bidding or engaging in unhealthy competition by attempting to acquire a prospect or new IBO away from a fellow IBO or influencing another IBO to transfer to a different sponsor.
    • Allegations of unethical sponsoring must be reported in writing to the IML Compliance Team within the first 30 days of the new IBO enrollment in question. If the reports are substantiated, IML may transfer the IBO or the IBO's downline to another sponsor or organization without approval from the current up-line Sponsor or Placement IBOs. IML remains the final authority in such cases.
    • IML prohibits the act of "Stacking." Stacking is the unauthorized manipulation of the IML marketing system and/or the compensation plan in order to trigger commissions or cause a promotion off a direct or indirect IBO in their sales and marketing organization in an unearned manner. One example of stacking occurs when a Sponsor places IBO(s) under an inactive IBO lower in the compensation tree without his or her knowledge in order to trigger unearned qualification for commissioning purposes. Stacking is unethical and unacceptable behavior, and as such, it is a punishable offense with measures up to and including the termination of the independent IBO positions of all individuals and/or entities found to be directly involved.
    • Should IBOs engage in solicitation and/or enticement of members of another direct sales company to sell or distribute IML Services to, they bear the risk of being sued by the other direct sales company. If any lawsuit, arbitration, or mediation is brought against an IBO alleging that they engaged in inappropriate sponsoring/recruiting activity of another company's sales force or Customers, IML will not pay any of IBO's defense costs or legal fees, nor will IML indemnify the IBO for any judgment, award, or settlement.
  • 3.6 Cross Sponsoring/ Recruiting Prohibition
    • "Cross sponsoring" is defined as the enrollment into a different line of sponsorship of an individual, or Business Entity, that already has a signed IBO Agreement. Actual or attempted cross sponsoring is not allowed. If cross sponsoring is verified by IML, sanctions up to and including termination of an IBO's position may be imposed. If an IBO Cross Sponsors, they must return to their original position or wait 6 months before rejoining IML.
    • Cross Recruiting IML members into your organization is a punishable offense including suspension, fines and possible termination.
    • The use of a Spouse's or relative's name, trade names, assumed names, DBA names, corporation, partnership, trust, Federal Business Numbers, or fictitious ID numbers to evade or circumvent this Policy is not permitted.
    • This Policy does not prohibit the transfer of an IML business in accordance with IML Transfer of Sale or Transfer Policy set forth in these Policies.
  • 3.7 Solicitation for Other Companies or Services
    • An IBO and/or Customer may participate in other direct sales, multilevel, network marketing or relationship marketing business ventures or marketing opportunities, as long as it is a non-competing product. However, during the Term of this Agreement and for six (6) months thereafter, an IBO may not sponsor/recruit any fellow IML IBO or Customer for any other direct sales or network marketing business, unless that fellow IBO or Customer was personally sponsored by such IBO.
    • The terms "sponsor/recruit" means actual or attempted solicitation, enrollment, encouragement, or effort to influence in any other way (either directly or through a third party), another IBO or Customer to enroll or participate in any direct sales or network marketing opportunity. This conduct represents recruiting even if the IBO's actions are in response to an inquiry made by another IBO or Customer.
    • During the term of this Agreement any IML IBO must not sell, or entice others to sell, any competing Services, including training materials, to IML Customers or IBOs. Any product or service in the same category as an IML product or service is deemed to be competing (i.e., any competing product or service regardless of differences in cost or quality.)
    • However, an IBO may sell non-competing Services or services to the IML Customers and IBOs that they personally sponsored.
    • An IBO may not display or bundle IML Services or services, in sales literature, on a website or in sales meetings, with any other Services or services to avoid confusing or misleading a prospective Customer or IBO into believing there is a relationship between the IML and non-IML Services.
    • An IBO may not offer any non-IML opportunity, Services at any IML related meeting, event, seminar or convention, or immediately following a IML event.
    • A violation of any of the provisions in this section shall constitute unreasonable and unwarranted contractual interference between IML and its IBOs and would inflict irreparable harm on IML. In such event, IML may, at its sole discretion, impose any sanction it deems necessary and appropriate against such IBO or such IBO's positions including termination, or seek immediate injunctive relief without the necessity of posting a bond.
  • 4.1 AGREEMENTS & GENERAL UNDERSTANDINGS
  • 4.2 Rights Granted
    • IML hereby grants to the IBO a non-exclusive right, based upon the terms and conditions contained in the Agreement to:
        • Purchase IML Services;
        • Promote and sell IML Services; and
        • Sponsor new IBOs and Customers in countries where IML is currently authorized to do business or becomes authorized to business in the future.
        • No feature of the Compensation Plan constitutes a personal purchase requirement to become an IBO, move up in rank in or otherwise fully participate in the Compensation Plan. No purchase is required of anyone at any time to fully participate as an IBO, outside of the monthly administrative fee for the IBO website, and reporting.
  • 4.3 Renewals and Expiration of the IBO Agreement
    • If the IBO allows his or her IBO Agreement to expire due to nonpayment, the IBO will lose any and all rights to his, her or its downline organization unless the IBO re-activates within sixty (60) days following the expiration of the Application.
        • If the former IBO re-activates within the sixty (60) day time limit, the IBO will resume the rank and position held immediately prior to the expiration of the IBO Agreement. However, such IBO's paid as level will not be restored unless he, she and/or an entity qualifies at that payout level in the new month. The IBO is not eligible to receive commissions for the time period that the IBO's position was expired.
        • Any IBO who was terminated or whose Agreement has expired and lapsed the sixty (60) day grace period is not eligible to re-apply for an IML business for six (6) months following the expiration of the IBO Agreement.
        • The sales and marketing organization of the expired IBO will compress up to the immediate, active IBO in the hierarchy.
  • 4.4 Effect of Cancellation
    • Following an IBO's cancellation for inactivity or voluntary or involuntary termination (collectively, a "cancellation") such IBO:
        • Shall have no right, title, claim or interest to any commission or bonus from the sales generated by the IBO's former sales and marketing organization or any other payments in association with the IBO's former independent position;
        • Effectively waives any and all claims to property rights or any interest in or to the IBO's former sales and marketing organization;
        • Shall receive commissions and bonuses only for the last full pay period in which he or she was active prior to cancellation, less any amounts withheld during an investigation preceding an involuntary cancellation, and less any other amounts owed to IML.
  • 4.5 Modification of the IBO Agreement
    • An IBO may modify his or her existing IBO Agreement (i.e., add a Spouse or partner to the account, or change the form of ownership from an individual to a Business Entity owned by the IBO) by submitting a written request, accompanied by a new IBO Agreement and the Business Registration Form, if applicable, completed with fresh signatures (not a "crossed out" or "white-out" version of the first Agreement), and any appropriate supporting documentation.
  • 4.6 Unauthorized Transfer & Re-Enrollment
    • In the event an IBO discovers that an IBO in their sales and marketing organization has re-enrolled under a different IBO, the IBO has ninety (90) days from the date the downline IBO enrolled under a new IBO to notify the IML Compliance team and request the downline IBO be transferred back to his/her downline. Upon the expiration of the ninety (90) day notice period, the right to re-claim a new IBO to his or her downline will be waived.
  • 4.7 Change of Sponsors or Placement for IBOs
    • Placement changes/corrections may be requested within a period of 10 Day period from the time of enrollment. Such adjustments require written permission directed to the Support Team submitted from the personal back office of the sponsor as well as the IBO to be moved and in some cases additional upline IBO(s).
    • Sponsor changes are generally not permitted. However, sponsor corrections can be made if they are reported to the Support Team within 24 hours from the time of enrollment. Sponsor corrections must be requested from the distributor back office of the current (original) sponsor, stating the reason that the correction needs to be made.
    • At the discretion of IML, IBOs who have not ordered Services for at least 6 months, and who have not tendered a letter of termination resignation, are eligible to re-enroll in IML under the Sponsor/Placement of their choice.
    • Upon written notice to IML that a former IBO wishes to re-enroll, IML will "compress" (close) the original account. A new IML ID number will then be issued to the former IBO.
    • Such IBO does not retain former rank, downline, or rights to commission from his or her former sales and marketing organizations.
    • IML reserves the right to correct Sponsor or Placement errors at any time and in whatever manner it deems necessary.
  • 4.8 Change Organizations
    • If an IBO wishes to transfer sales and marketing organizations, he or she must submit a letter of termination resignation to the IML Customer Service Team and remain inactive (place no orders or be on an auto ship) with or in IML for 6 months from the receipt of the letter before being eligible to re-enroll under a different Sponsor/Placement.
    • IML retains the right to approve or deny any request to re-enroll after an IBO's termination.
    • If re-enrollment is approved, the former IBO will be issued a new IML ID number and will be required to submit a new IBO Agreement. The IBO will not be entitled to keep any former rank, sales and marketing organization, or rights to commission from any prior organization.
  • 4.9 Voluntary Termination
    • An IBO may immediately terminate his or her position by submitting a written notice or email to the IML Compliance Team at [email protected] The written notice must include the following;
        • The IBO's intent to terminate the Agreement; Date of termination;
        • IML Identification Number;
        • Reason for terminating; and
        • An IBO may not use termination as a way to immediately change Sponsor and Placement. Instead, the IBO who has voluntarily terminated is not eligible to reapply for a position or have any financial interest in any IML business for 6 months from the receipt of the written notice of termination. They may also not promote IML or attend events during their termination.
        • Signature
  • 4.10 Involuntary Termination
    • IML reserves the right to terminate An IBO's position for, but not limited to, the following reasons;
        • Violation of any Terms or Conditions of the IBO Agreement;
        • Violation of any provision of these Policies and Procedures in effect at the time the violation occurred or was discovered;
        • Violation of any provision in the Compensation Plan;
        • Violation of any applicable law, ordinance, or regulation regarding the IML business;
        • Engaging in unethical business practices or violating standards of fair dealing; or Returning over $500 worth of Services, and/or sales tools for a refund within a 12-month period.
    • IML will notify the IBO in writing through the email on file or certified mail, return receipt requested or overnight documented mail, at his or her last known address of its intent to terminate the IBO's position and the reasons for termination. The IBO will have 15 calendar days from the date of mailing of such notice to respond in writing to the allegations or claims constituting cause for termination as stated in the notice. IML will then have 30 calendar days from the date of receipt of the IBO's response to render a final decision as to termination.
    • If a decision is made by IML to terminate the IBO's position, IML will inform the IBO in writing that the position is terminated effective as of the date of the written notification.
    • If the termination is not rescinded, the termination will be effective as of the date of the original termination notice by IML. The former IBO shall thereafter be prohibited from using the names, marks or signs, labels, stationery, advertising, or business material referring to or relating to any IML Service. IML will notify the active Sponsor within 10 days after termination. The organization of the terminated IBO will "roll up" to the next immediate active direct Sponsor on record.
    • The IML IBO who is involuntarily terminated by IML may not reapply for a position, either under his or her present name or any other name or entity, without the express written consent of an officer of IML, following a review by the IML Compliance Committee. In any event, such IBO may not re- apply for a position for 12 months from the date of termination.
  • 5.1 BUSINESS ENTITIES
  • 5.2 Definition
    • A corporation, partnership, or trust (collectively referred to as a ("Business Entity") may apply to be an IBO.
    • An IBO may change their status under the same Sponsor from an individual to a partnership, corporation, trust or from one type of business entity to another.
  • 5.3 Definition
    • IBOs are independent contractors acting in the capacity of a wholly independent marketing representative who establish and services retail customers for IM mastery academy™ Services. IBO status, as such does not constitute either a sale of a security, franchise or a distributorship (exclusive or otherwise), and absolutely no fees have been or will be required from IBO for the right to market and sell IML Services pursuant to the IBO Agreement, outside of the monthly administrative fee charged for maintaining the IBO's replicated website and reporting capabilities. The IBO Agreement is not intended and shall not be construed to create a relationship of employer-employee, agency, partnership, or joint venture between IBO and any other participant in the IML marketing plan and/or International Marketing Live Inc. As an independent contractor, IBO will: (i) comply with all applicable federal, provincial and local laws, rules and regulations pertaining to the IBO Agreement, including the sale, distribution and advertising of IML Services, and (ii) at IBO's own expense, complete all filings, and obtain such licenses as are required by applicable federal, provincial and local laws, rules and regulations, with respect to the IBO Agreement and IBO's activities as an IBO.
    • IBOs have no authority to bind IM mastery academy™ to any obligation. It is each IBO's responsibility to pay all income, local or applicable taxes as an independent contractor, and IBOs are not eligible for employee benefits, such as unemployment compensation, worker's compensation or minimum wages. IML encourages its IBOs to set their own hours and to supply all of their own equipment and tools for operating their IML business, such as telephones, transportation, professional services, office equipment and supplies. Further, IBOs should determine their own methods of sale, so long as they comply with the policies of Company. Without limiting the generality of the foregoing, IBOs shall be fully responsible for (i) all applicable federal, state and local withholding taxes, worker's compensation contributions license requirements and fees related to the IBO's earnings and activities as an IBO, and (ii) all expenses incurred in connection with the operation of the IBO's Company-related business, including but not limited to travel, meals, accommodation, secretarial, office, telephone and other business expenses.
    • The IML IBO is fully responsible for all of his or her verbal and written communications made regarding IML Services, and the Compensation Plan that are not expressly contained within official IML materials. IBOs shall indemnify and hold harmless IML, its directors, officers, employees, product suppliers and agents from any and against all liability including judgments, civil penalties, refunds, lawyer fees and court costs incurred by IML as a result of the IBO's unauthorized representations or actions. This provision shall survive the termination of the IML IBO Agreement.
  • 5.4 Insurance
    • Business Pursuits Coverage. IML encourages IBOs to arrange insurance coverage for their business. A homeowner's insurance policy does not cover business related injuries, or the theft of, or damage to, inventory or business equipment. IML IBOs need to contact their insurance agent to make certain their business property is protected. In most instances, this may be accomplished with a "Business Pursuit" endorsement to an existing homeowner's policy.
    • If an IBO has questions about, or believes any errors have been made regarding commissions, bonuses, business reports, genealogy, orders or charges, the IBO must notify IML in writing within thirty (30) days of the date the error or incident in question occurred. Any such errors, omissions or problems not reported within thirty (30) days shall be deemed waived by the IBO.
  • 6.1 POLICY VIOLATIONS
  • 6.2 Reporting Policy Violation
    • An IBO who observes a policy violation by another IBO, IBO or Customer associated with IML should submit an e-mail [email protected] any and all violations directly to the IML Corporate office. The message shall set forth the details of the incident as follows: The nature of the violation:
        • Specific facts to support the allegations;
        • Dates;
        • Number of occurrences;
        • Persons involved; and
        • Supporting documentation
    • Once the matter has been presented to IML, it will be researched thoroughly by the Compliance Team and appropriate action will be taken if required.
    • This section refers to the general reporting of Policy violations as observed by other IBOs for the mutual effort to support, protect, and defend the integrity of the IML business and opportunity. If an IBO has a grievance or complaint against another IBO which directly relates to his or her IML business, the Procedures set forth in these Policies must be followed.
  • 6.3 Adherence to the IML Compensation Plan
    • An IBO must adhere to the terms of the IML Compensation Plan as set forth in these Policies and Procedures as well as in official IML literature. Deviation from the Compensation Plan is prohibited.
    • An IBO shall not offer the IML opportunity through, or in combination with, any other system, program, or method of marketing other than that specifically set forth in official IML literature.
    • An IBO shall not require or encourage a current or prospective IBO to participate in IML in any manner that varies from the Compensation Plan as set forth in official IML literature.
    • An IBO shall not require or encourage a current or prospective IBO to make a purchase from or payment to any individual or other entity as a condition to participating in the IML Compensation Plan.
  • 6.4 Adherence to Laws and Ordinances
    • Many cities, counties and townships have laws regulating certain home- based businesses. IBOs must check their local laws and obey the laws that do apply to them.
    • An IBO or Customer shall comply with all Federal and local laws and regulations in their conduct of his or her IML business.
    • An IBO accepts sole responsibility for and agrees to pay all fines and incur all liabilities for his or her actions that violate any laws or ordinances.
  • 6.5 Compliance with Applicable Income Tax Laws
    • An IBO accepts sole responsibility for and agrees to pay all Federal, Provincial and local taxes on any income generated as an independent IBO, and further agrees to indemnify IML from any failure to pay such tax amounts when due.
    • If an IBO's business is tax exempt, the Federal Business Number must be provided to IML in writing.
    • IML encourages all IBOs to consult with a tax advisor for additional information for their business. IML is required to change and remit sales tax to the various states or provinces based on the retail price. (Receipt of trips, prizes or awards in the amount of $600.00 or more.)
  • 6.6 One IML Business Per IBO
    • An IBO may operate or have an ownership interest, legal or equitable, as a sole proprietorship, partner, shareholder, trustee, or beneficiary, in only one (1) IML business. No individual (together with their spouse) may have, operate or receive compensation from more than one IML business. Individuals of the same family unit, excluding spouses, may each enter into or have an interest in their own separate IML businesses, only if each subsequent family position is placed frontline to the first family member enrolled. A "family unit" is defined as parents or dependent children living at or doing business at the same address. Each position must build their position separate and independent of the other or the position will be deemed to be stacking.
  • 6.7 Actions of Household Members or Affiliated Parties
    • If any member of an IBO's immediate household engages in any activity which, if performed by the IBO, would violate any provision of the Agreement, such activity will be deemed a violation by the IBO and IML may take disciplinary action pursuant to these Policies and Procedures against the IBO. Similarly, if any individual associated in any way with a corporation, partnership, trust or other entity (collectively "Business Entity") violates the Agreement, such action(s) will be deemed a violation by the Business Entity, and IML may take disciplinary action against the Business Entity. Likewise, if an IBO enrolls in IML as a Business Entity, each Affiliated Party of the Business Entity shall be personally and individually bound to, and must comply with, the Terms and Conditions of the Agreement.
  • 6.8 Identification Numbers and Pay-Out
    • Each IBO is required to provide his or her federal Social Security Number or Federal Tax Identification Number, if located in the United States or any of its territories to IML at the time IBO initiates a transfer of monies or earnings accumulated in the IBO's Wallet. The transferring and disbursement of commission payments or bonuses acquired is known as a Pay- Out and IML reserves the right to withhold Pay-Out from any IBO who fails to provide such information or who provides false information.
    • Upon enrollment, IML will provide a IML Identification Number to the IBO. This number will be used to place orders, structure organizations, and track commissions and bonuses.
  • 6.9 Sell, Assign or Delegate Ownership
    • In order to preserve the integrity of the hierarchical structure, it is necessary for IML to place restrictions on the transfer, assignment, or sale of a position.
    • An IBO may not sell or assign his or her rights or delegate his or her position as An IBO without prior written approval by IML, which approval will not be unreasonably withheld. Any attempted sale, assignment, or delegation without such approval may be voided at the discretion of IML.
    • Should the sale be approved by IML, the Buyer assumes the position of the Seller at the current qualified title, but at the current "paid as" rank, at the time of the sale and acquires the Seller's Downline.
    • To request corporate authorization for a sale or transfer of an IML position, the following items must be submitted to the IML Compliance Team:
        • A Sale/Transfer of Position Form properly completed, with the requisite signatures.
        • A copy of the Sales Agreement signed, dated and notarized by both Buyer and Seller.
        • An IBO Agreement completed and signed by the signed by the Buyer and proof of good standing;
        • Payment of the $250 administration fee paid by Seller;
        • Any additional supporting documentation requested by IML.
    • Any debt obligations that either Seller or Buyer may have with IML must be satisfied prior to the approval of the sale or transfer by IML.
    • An IBO who sells his or her position is not eligible to re-enroll as a IMLIBO in any organization for six (6) full calendar months following the date of the sale except as otherwise expressly set forth in these Policies and Procedures.
  • 6.10 Separating an IML Business
    • Pending a divorce or dissolution of a partnership or other business entity, the parties must adopt one of the following methods of operation:
        • One of the parties may, with the written consent of the other(s), operate the IML business whereby the relinquishing Spouse (which term herein means either an individual that is legally married or an individual that is party to a legally recognized common law relationship), shareholders, partners, members or trustees authorize IML to deal directly and solely with the other Spouse, non- relinquishing shareholder, partner, member or trustee;
        • The parties may continue to operate the IML business jointly on a "business as usual" basis, whereupon all compensation paid by IML will be paid in the name designated as the IBOs or in the name of the entity to be divided, as the parties may independently agree between them. If no name is stipulated, IML will pay compensation to the name on record and in such event, the IBO named on the account shall indemnify IML from any claims from the other business owner(s) or the other Spouse with respect to such payment.
    • IML recognizes only one sales and marketing organization and will issue only one commission payment transfer per IML business per commission cycle. Under no circumstances will the hierarchy of an organization be divided, nor will IML split commission and/or bonuses.
    • If a relinquishing Spouse, partner or owner of the business has completely relinquished ("Relinquishing Party"), in writing, all rights to the original IML business, he or she may immediately thereafter re-enroll under the Sponsor and Placement of his or her choice. In such cases, however, the Relinquishing Party shall have no rights to, and shall not solicit, any IBO or active Customer in the former organization, and must develop a new business in the same manner as any other new IML IBO. An IBO in the Relinquishing Party's former Downline who wishes to transfer to the Relinquishing Party's new organization or to any other organization, must comply with the requirements in Section 4.0.
  • 6.11 Succession
    • The Agreement shall be binding upon and inure to the benefit of the parties and their respective successors and assigns.
    • Upon the death or incapacity of an IBO, the IBO's business may be passed on to his or her legal successors in interest (successor). Whenever an IML business is transferred by will or other testamentary process, the successor acquires the right to collect all bonuses and commissions of the deceased IBO's sales organization. The successor must:
        • Complete and sign a new IML IBO Agreement;
        • Comply with the Terms and provisions of the IBO Agreement; and
        • Meet all of the qualifications for the last rank achieved by the former IBO.
    • Bonus and commission of an IML business transferred based on this section will be paid in a single transfer to the successor. The successor must provide IML with an "address of record" to which all bonus and commission Payments will be sent. Payments will be based on the current performance of the position, not the highest rank or volume achieved.
    • If the business is bequeathed to joint devisees (successors), they must form a business entity and acquire a federal Business Number. IML will issue all bonus and commission payments to the managing business entity only.
    • Appropriate legal documentation must be submitted to IML Compliance Team to ensure the transfer is done properly. To affect a testamentary transfer of an IML business, the successor must provide the following to IML Compliance Team;
        • A certified copy of the death certificate; and
        • A notarized copy of the will or other appropriate legal documentation establishing the successor's right to the IML business.
    • To complete a transfer of the IML business because of incapacity, the successor must provide the following to the IML Compliance Team;
        • A notarized copy of an appointment as trustee;
        • A notarized copy of the trust document or other appropriate legal documentation establishing the trustee's right to administer the IML business; and
        • A completed IBO Agreement executed by the trustee.
    • If the successor is already an existing IBO, IML will allow such IBO to keep his or her own position plus the inherited position active for up to six
      (6) months. By the end of the six (6) month period, the IBO must have compressed (if applicable), sold or otherwise transferred either the existing position or the inherited position.
    • If the successor wishes to terminate the IML position, he or she must submit a notarized statement stating the desire to terminate the position, along with a certified copy of the death certificate, appointment as trustee, and/or any other appropriate legal documentation.
        • Upon written request, IML may grant a 1month bereavement waiver and pay out at the last "paid as" rank.
  • 7.1 DISCIPLINARY ACTIONS
  • 7.2 Imposition of Disciplinary Action - Purpose
    • It is the spirit of IML that integrity and fairness should pervade among its IBOs, thereby providing everyone with an equal opportunity to build a successful business. Therefore, IML reserves the right to impose disciplinary sanctions at any time, when it has determined that an IBO has violated the Agreement or any of these Policies and Procedures or the Compensation Plan as they may be amended from time to time by IML in accordance herewith.
  • 7.3 Consequences and Remedies of Breach
    • Disciplinary actions may include one or more of the following:
        • Monitoring an IBO's conduct over a specified period of time to assure compliance;
        • Issuance of a written warning or requiring the IBO to take immediate corrective action;
        • Imposition of a fine (which may be imposed immediately or withheld from future commission payments) or the withholding of commission payments ("Commission Hold") until the matter causing the Commission Hold is resolved or until IML receives adequate additional assurances from the IBO to ensure future compliance;
        • Suspension from participation in Company or IBO events, rewards, or recognition;
          Suspension of the IML IBO Agreement and position for one or more pay periods;
        • Involuntary termination of the IBO's Agreement and position;
        • Any other measure which IML deems feasible and appropriate to justly resolve injuries caused by the IBO's Policy violation or contractual breach; OR
        • Legal proceedings for monetary or equitable relief.
  • 7.4 Suspension Procedures
    • First Violation: Counseling and initial warning letter.
        • A first violation usually occurs because the IBO is not familiar with the Policies and Procedures or the law. Counseling and the initial warning provide an opportunity for Compliance to bring to the attention of the IML the Policies and Procedures and the specific violation, and to provide
          counseling on complying with the Policies and Procedures and applicable laws. Compliance will also describe expectations and steps the IBO must take to resolve the violation including, but not limited to, either removing or revising the non-compliant claim or how to remedy other policy violations. Within 3 days of this notice, Compliance will determine if the non-compliant material or other policy violation has been remediated. If so, Compliance will close the file. If not, Compliance will proceed to 2nd Violation notice.
    • Second Violation: Second warning letter and temporary suspension
        • Although it is hoped that the IBO will promptly correct the violation(s), IML recognizes that this may not always occur. The second written warning indicates the seriousness of repeated violations and will prompt a temporary suspension of the IBO's account. During the suspension period, the IBO waives any and all rights to Pay-Out and must submit a signed a reinstatement letter wherein the IBO acknowledges the violation(s) and describes the steps taken to correct the violation(s). Once the reinstatement letter is accepted by IML, the suspension will be lifted. The IBO may be subject to additional discipline up to and including termination if the violation is not remedied or further violations occur.
    • Third Violation: Termination
        • As described above, IML will try to exercise the progressive nature of the Discipline Policy by first providing warnings, a final written warning and suspension and commissions forfeiture before proceeding to termination; however, IML reserves the right to combine and omit steps depending on the circumstances of each situation and the nature of the violation. Furthermore, IBO may be terminated without prior notice or disciplinary action, as authorized by the Policies and Procedures.
  • 8.1 DISPUTE RESOLUTION
  • 8.2 Grievances
    • If an IBO has a grievance or complaint against another IBO regarding any practice or conduct relating to their respective IML businesses, he or she is encouraged to resolve the issue directly with the other party. If an agreement cannot be reached, it must be reported directly to the IML Compliance Team as outlined below in this Section.
    • The IML Compliance Team will be the final authority on settling such grievance or complaint and its written decision shall be final and binding on the IBOs involved.
    • IML will confine its involvement to disputes regarding IML business matters only. IML will not decide issues that involve personality conflicts or unprofessional conduct by or between IBOs outside the context of an IML business. These issues go beyond the scope of IML and may not be used to justify a Sponsor or Placement change or a transfer to another IML organization.
    • IML does not consider, enforce, or mediate third party agreements between IBOs, nor does it provide names, funding, or advice for obtaining outside legal counsel.
    • Process for Grievances:
        • The IML IBO should submit a letter of complaint (e-mail will be accepted) directly to the IML Compliance Team. The letter shall set forth the details of the incident as follows;
            • The nature of the violation;
            • Specific facts to support the allegations;
            • Dates;
            • Number of occurrences;
            • Persons involved; and
            • Supporting documentation.
        • Upon receipt of the written complaint, IML will conduct an investigation according to the following procedures;
            • The Compliance Team will send an acknowledgment of receipt to the complaining IBO;
            • The Compliance Team will provide a verbal or written notice of the allegation to the IBO under investigation. If a written notice is sent to the IBO, he or she will have 10 business days from the date of the notification letter to present all information relating to the incident for review by IML.
            • The Compliance Team will thoroughly investigate the complaint, consider all the submitted information it deems relevant, including information from collateral sources. Due to the unique nature of each situation, determinations of the appropriate remedy will be on a case by case basis, and the length of time to reach a resolution will vary.
            • During the course of the investigation, the Compliance Team will only provide periodic updates simply stating that the investigation is ongoing. No other information will be released during this time. IBO calls, letters, and requests for "progress reports" during the course of the investigation will not be answered or returned.
        • IML will make a final decisi Von and timely notify the IMLIBOs involved.
  • 8.3 Mediation
    • IBO and IML (collectively "the Parties") recognize disputes and differences may arise between the Parties and therefore agree it is in their best interest to appoint an impartial mediator to resolve such disputes as they arise. Additionally, the Parties recognize that litigation in court can be time consuming and expensive, hence THE PARTIES AGREE TO THE FOLLOWING:
    • The Parties hereto agree to refer the following matters and responsibilities to the Mediator:
        • The Mediator shall conduct the mediation based on the principle of party self-determination, in which the Parties come to a voluntary, uncoerced decision where each party makes free and informed choices.
        • The Mediator shall conduct any necessary separate or ex parte meetings and other communications with parties or representatives, before, during, and after any scheduled mediation conference.
        • The Parties should exchange all documents pertinent to the relief requested. The Mediator may request the exchange of memoranda and other information; items that a party wishes to keep confidential may be sent to the Mediator in a separate communication.
        • The Mediator does not have the authority to issue a settlement, but will help facilitate a satisfactory resolution of the dispute.
        • The Mediator will not make decisions for a Party or act as an arbitrator. i. Should a complete settlement of some or all issues not be achieved, the Mediator may continue to communicate with the Parties following the mediation conference.
        • The Mediator is not a legal representative of any party.
        • The Mediator shall set the date, time, and place for each session of the mediation conference and the Parties shall respond in a timely manner.
    • The Mediator shall direct the Parties to file statements of their respective claims, legal submissions and reliefs claimed. Each party will file statements of defense in reply to the statements of claims of others. The Mediator shall allow the Parties to produce documents in support of their claims.
    • The Mediator shall allow the Parties to be represented by their respective advocates, who have the authority to consummate a settlement. Any party may participate without representation (pro se).
    • Mediation sessions and related mediation communications are private proceedings. The Parties and their representatives may attend mediation sessions. Other persons may attend only with the permission of the Parties and with the consent of the Mediator.
  • 8.4 Termination of Mediation
    • The mediation shall be terminated:
        • By the execution of a settlement agreement by the Parties; or
        • By a written or verbal declaration of the Mediator to the effect that further efforts at mediation would not contribute to a resolution of the Parties' dispute; or
        • By a written or verbal declaration of all Parties to the effect that the mediation proceedings are terminated; or
        • When there has been no communication between the Mediator and any party or party's representative for twenty (21) days following the conclusion of the mediation conference.
    • Each Party will pay its own costs and expense of the mediation unless the Parties agree otherwise. The expenses of participants for either side shall be paid by the party requesting the attendance of such participants.
    • The Parties agree that all mediation communications are privileged and not subject to discovery or admissible in evidence in a proceeding unless waived or precluded by both Parties or unless the evidence would otherwise be admissible or subject to discovery if it were not by reason of its disclosure or use in mediation.
    • Jurisdiction and venue of any controversy or claim brought under this mediation provision shall be submitted to a Mediator with a principal office in New York City, New York. The mediation shall occur at the office of the Mediator or at any neutral location located in New York City, New York. The Parties further agree that the laws of the State of New York shall govern all matters, claims or controversy submitted to mediation pursuant to the Agreement.
  • 8.5 Severability
    • If any provision of these Policies and Procedures is found to be invalid, or unenforceable for any reason, only the invalid provision shall be severed. The remaining terms and provisions hereof shall remain in full force and shall be construed as if such invalid or unenforceable provision never had comprised a part of these Policies and Procedures.
  • 8.6 Waiver
    • Only an officer of IML can, in writing, affect a waiver of the IML Policies and Procedures. IML's waiver of any particular breach by An IBO shall not affect IML's rights with respect to any subsequent breach, nor shall it affect the rights or obligations of any other IBO.
    • The existence of any claim or cause of action of an IBO against IML shall not constitute a defense to IML's enforcement of any term or provision of these Policies and Procedures.
  • 8.7 Governing Law
    • Subject to and without waiving the terms set forth in Sections 8.2 (Mediation) and 8.3 (Termination of Mediation) above, jurisdiction and venue of any controversy or claim arising from the Agreement or between IML and IBO, shall be in New York City, New York. The law of the State of New York shall govern all matters relating to or arising from the Agreement or between IML and IBO.
  • 9.1 PAYMENT OF COMMISIONS & BONUSES
  • 9.2 Bonus and Commission Qualifications
    • An IBO must be active and in compliance with any and all IML Policies and Procedures set forth herein, along with all guidelines implemented to qualify for bonuses and commissions. So long as an IBO complies with the terms and conditions set forth in the Agreement, IML shall pay commissions to such IBOs in accordance with the Compensation Plan and any amendments thereto.
    • IML will not issue a payment earned of any form to an IBO without the receipt of the administrative fee and completed electronic IML Application.
    • IML reserves the right to postpone bonus and commission payments until such time the cumulative amount exceeds $50.00.
  • 9.3 Computation of Commissions and Discrepancies
    • In order to qualify to receive commissions and/or bonuses, an IBO must be in good standing and comply with the Terms of the Application and these Policies and Procedures. Commissions, bonuses, overrides, and achievement levels are calculated each month.
    • An IBO must review his or her monthly statement and bonus/commission reports promptly and report any discrepancies within thirty (30) days of receipt. After the thirty (30) day "grace period" no additional requests will be considered for commission recalculations.
    • For additional information on payment of commissions, please review the Compensation Plan.
  • 9.4 Adjustments to Bonuses and Commissions for Returned Services or IBO Memberships.
    • An IBO receives bonuses and commissions based on the actual sales of Services to end consumers and to IBOs through service purchases. When a service is returned to IML for a refund from the end consumer or by An IBO, the bonuses and commissions attributable to the returned service will be deducted from the IBO who received bonuses or commissions on such sales. Deductions will occur in the month in which the refund is given and continue every pay period thereafter until the bonus/and or commission is recovered.
    • In the event that an IBO terminates his or her position, and the amounts of the bonuses or commissions attributable to the returned Services have not yet been fully recovered by IML, the remainder of the outstanding balance may be offset against any other amounts that may be owed by IML to the terminated IBO.
    • For additional information on payment of commissions, please review the Compensation Plan.
  • 10.1 ORDERING SERVICES
  • 10.2 General Service Ordering Policies
    • "Bonus Buying" is strictly and absolutely prohibited. Bonus Buying includes; (a) the enrollment of individuals or entities without the knowledge of and/or execution of an Application by such individuals or Business Entities; (b) the fraudulent enrollment of an individual or entity as an IBO or Customer; (c) the enrollment or attempted enrollment of non-existent individuals or Business Entities as IBOs or Customers ("phantoms"); (d) purchasing IML Services or services on behalf of another IBO or Customer, or under another IBO's or Customer's ID number, to qualify for commissions or bonuses; and/or (e) any other mechanism or artifice to qualify for rank advancement, incentives, prizes, commissions, or bonuses that is not driven by bona fide product or service purchases by end consumers.
    • IML requires that IBOs use their own credit cards and not allow others to use them. An IBO shall not use another IBO's or Customer's credit card or debit account to enroll in IML or purchase Services without the account holder's written permission. Such documentation must be kept by the IBO indefinitely in case IML needs to reference this.
    • Regarding an order with an invalid or incorrect payment, IML will attempt to contact the IBO by phone, mail or e-mail in order to obtain another form of payment. If these attempts are unsuccessful after the expiration of seven (7) business days, the order will be canceled.
    • Prices are subject to change without notice.
    • An IBO or Customer who is a recipient of an incorrect order must notify IML within three (3) calendar days from receipt of the order and follow the Procedures as set forth in these Policies and Procedures, along with the Return/Exchange Policies and any and all guidelines instated and effective and any amendments thereto.
  • 10.3 Sales to Customers
    • Sales to retail customers must be done directly through IBOs' replicated websites.
    • IBOs will comply with applicable consumer protection laws and regulations (including any consumer rights to receive specific notices and any rights to return services) afforded consumers under applicable consumer protection legislation.
    • The customer should contact IML within seven (7) days of the initial sale.
  • 10.4 Insufficient Funds
    • All electronic payments that are declined for insufficient funds will be automatically re-submitted for payment.
    • Any outstanding balance owed to IML by an IBO or Customer of An IBO from NSF (non- sufficient funds) or insufficient fund fees (ACH), will be withheld by IML from that IBO's future bonus and commission funds.
    • All transactions involving insufficient funds through ACH or credit card, which are not resolved in a timely manner by the IBO, constitute grounds for disciplinary sanctions or termination of the account.
    • If a credit card order or automatic debit is declined the first time, the Customer or IBO will be contacted directly and a request for an alternate form of payment will be made before any product will be shipped. If payment is declined a second time, the Customer or IBO may be deemed ineligible to purchase IML Services or services or participate in the monthly auto ship. Note: Participation by IBOs in IML's monthly auto ship, which is a recurring service order program, is entirely optional, and is not required in order to become An IBO, move up in rank or otherwise, fully participate in the Rewards Program.
  • 10.5 Credit Card Purchases
    • Credit card purchases may only be made by the individual whose name and address are on the credit card. Any IBO or Customer who uses another individual's credit card to pay for purchases risks having his/her Account being placed on suspension pending an investigation and resolution of any complaints regarding unauthorized charges. IML considers such transactions fraudulent and will report them to the proper authorities for settlement.
    • Under no circumstance will any IBO and/or Customer charge back any credit card purchases. Any IBO and/or Customer who does so will immediately lose all credit card ordering privileges until the charges are replaced with certified funds. If an erroneous charge is applied to an IBO and/or Customer's credit card, the IBO or Customer should immediately contact the IML Support Team via email at [email protected] to initiate an investigation and resolution.
    • If an IBO or Customer notifies his/or her banking institution and requests a chargeback for the amount of the purchase, the person's Account will be automatically closed indefinitely upon IML's notification of the disputed purchase.
  • 10.6 Sales Tax Obligation
    • The IBO shall comply with all federal and local taxes and regulations governing the sale of IML Services.
    • IML may collect and remit sales tax, on IBO orders. When orders are placed with IML, sales tax is prepaid based upon the suggested retail price. IML will remit the sales tax to the appropriate Provincial and local jurisdictions. The IBO may recover the sales tax when he or she makes a sale. IMLIBOs are responsible for any additional sales taxes due on Services marked up and sold at a higher price.
    • IML encourages each IBO to consult with a tax advisor for additional information for his or her business.
    • IML may be required to charge and remit sales tax to the various states and U.S territories based on the retail price.
  • 10.7 Refund Policy
    • IML Customers:
        • If within the first seven (7) days, you are not satisfied with the service you must contact support by logging into im.academy and clicking the support button for a full refund of the service amount, with the exception of Bitcoin purchases.
    • iMarketslive does not refund any purchases completed through Bitcoin. There are no exceptions. All purchases are charged and refunded in U.S. Dollars. All refunds and exchanges will also be refunded or exchanged in U.S. Dollars. International Markets Live Inc. is not responsible for fluctuating exchange rate.
  • 11.1 IML OPPORTUNITY
  • 11.2 Presentation of Compensation Plan - Income Claims
    • In presenting the IML opportunity to potential Customers and IBOs, an IBO is required to comply with the following provisions:
    • AN IBO shall not misquote or omit any significant material fact about the Compensation Plan.
        • An IBO shall make it clear that the Compensation Plan is based upon sales of IML Services and upon the sponsoring of other IBOs.
        • An IBO shall make it clear that success can be achieved only through substantial and diligent independent efforts.
        • An IBO shall not make income projections, claims, or guarantees while presenting or discussing the IML opportunity or Compensation Plan to prospective IBOs or Customers. An IBO should inform all IBOs that success requires substantial work. Income claims include, but not limited to, copies of Paylution checks, banks statements, rank earnings, tax documents, trading profits, Lifestyle claims and photos. I.e. Cash, Exotic cars, yachts. Income claims are prohibited at events and/or posting on Social Media, Websites, or Videos. If found to have posted income or lifestyle claims on social media, you will receive a warning to remove the post immediately. Repeated offenses will result in suspension or possible termination.
        • An IBO may not make any claims or show trading results based on or regarding Services offered by IML, except those contained in official IML literature.
        • An IBO may not use official IML material to promote the IML business opportunity in any country where IML has not established a "presence" or is duly authorized to conduct business.
  • 11.3 Events
    • IBOs are limited to charging $30.00 per person for events.
    • Compliance must approve all marketing materials.
  • 11.4 Trading Policies
    • IBOs or customers are strictly prohibited from selling Signals, Trading Bots, Auto-traders or taking investments to trade. Any violation of these will result in immediate termination.
    • An IBO must always cover profits when posting winning trades on social media. Trading Challenges or projected Growth charts are prohibited.
  • 11.5 Sales Requirements Are Governed by the Compensation Plan
    • There are no exclusive territories granted to anyone. No franchise fees are applicable to an IML business. IML Services may only be sold where IML is licensed or otherwise authorized to conduct business.
  • 12.1 PROPRIETARY INFORMATION & TRADE SECRETS
  • 12.2 Business Reports, Lists, and Proprietary Information
    • By agreeing to the IML IBO Agreement, the IBO acknowledges that business reports, lists of Customer and IBO names and contact information and any other information, which contain financial, technical or other information both written or otherwise circulated by IML or pertaining to the business of IML (collectively, "Reports"), are confidential and proprietary information and trade secrets belonging to IML.
  • 12.3 Obligation of Confidentiality
    • During the term of the IML IBO Agreement and for a period of one (1) year after the termination or expiration of the IBO Agreement between the IBO and IML, the IBO shall not;
    • Use the information in the Reports to compete with IML or for any purpose other than promoting his or her IML business;
    • Use or disclose to any person or entity any confidential information contained in the reports, including the replication of the genealogy in another network marketing company.
  • 12.4 Breach and Remedies
    • The IBO acknowledges that such proprietary information is of such character as to render it unique and that disclosure or use thereof in violation of this provision will result in irreparable damage to IML and to independent IML businesses. IML and its IBOs will be entitled to injunctive relief or to recover damages against any IBO who violates this provision in any action to enforce its rights under this section. The prevailing party shall be entitled to an award of lawyer's fees, court costs and expenses.
  • 12.5 Return of Materials
    • Upon demand by IML, any current or former IBO will return the original and all copies of all "Reports" to IML together with any IML confidential information in such person's possession.
  • 13.1 PRIVACY POLICY
  • 13.2 Introduction
    • This Privacy Policy is to ensure that all Customers and IBOs understand and adhere to the basic principles of confidentiality. Without limiting the terms of this section 7.0, all IBOs must comply with applicable privacy laws governing the collection, use and disclosure of Customer and fellow IBO information.
  • 13.3 Expectation of Privacy
    • IML recognizes and respects the importance its Customers and IBOs place on the privacy of their financial and personal information. IML will make reasonable efforts to safeguard the privacy of, and maintain the confidentiality of its Customers', and IBOs' financial and account information and nonpublic personal information.
    • By entering into the IBO Agreement, an IBO or Customer authorizes IML to disclose his or her name and contact information to upline IBOs solely for activities related to the furtherance of the IML business. An IBO hereby agrees to maintain the confidentiality and security of such information and to use it solely for the purpose of supporting and servicing his or her downline organization and conducting the IML business.
  • 13.4 Employee Access to Information
    • IML limits the number of employees who have access to Customer's and IBOs' nonpublic personal information.
  • 13.5 Restrictions on the Disclosure of Account Information
    • IML will not share non-public personal information or financial information about current or former Customers or IBOs with third parties, except as permitted or required by laws and regulations, court orders, or to serve the Customers', or IBOs' interests or to enforce its rights or obligations under these Policies and Procedures, or IBO's Agreement or with written permission from the accountholder on file.
  • 14.1 ADVERTISING, PROMOTIONAL MATERIAL, USE OF COMPANY NAMES AND TRADEMARKS
  • 14.2 Labeling, Packaging, and Displaying Services
    • An IBO and/or Customer may not re-label, or alter labels, electronically or otherwise any IML service, information, materials or program(s) in any way. IML Services must only be sold through the IML ecosystem of replicated websites, hosted on IML servers. Such re-labeling violates federal and regulatory laws, which may result in criminal or civil penalties or liability.
    • An IBO shall not cause any IML service or any IML trade name to be sold or displayed in retail establishments except;
        • Where the retail establishment is owned or managed by the IML IBO and the establishment does not exceed $1 million in annual gross revenue, and there are five (5) or fewer establishments under common ownership of management.
    • An IBO may sell IML Services and display the IML trade name at any appropriate display booth (such as trade shows, expositions, conferences etc.) with the express written consent of IML.
        • An IBO or Customer is prohibited to sell IML Services and display the IML trade name, trademark or service mark at any kiosk or booth located in any retail establishment, such as a mall or retail facility.
        • IML reserves the right to refuse authorization to participate at any function that it does not deem a suitable forum for the promotion of its Services and services, or the IML opportunity.
  • 14.3 Use of Company Names and Protected Materials
    • An IBO must safeguard and promote the good reputation of IML and the Services it markets. The marketing and promotion of IML, the IML opportunity, the Compensation Plan, and IML Services will be consistent with the public interest, and must avoid all discourteous, deceptive, misleading, unethical or immoral conduct and practices.
    • All promotional materials supplied or created by IML must be used in their original form and cannot be changed, amended or altered, except with prior written approval from the IML Compliance Team.
    • The name of IML, each of its service names and other names that have been adopted by IML, in connection with its business are proprietary trade names, trademarks and service marks of IML. As such, these marks are of great value to IML and are supplied to IBOs for their use only in an expressly authorized manner.
    • An IBO's use of the name "IML" is restricted to protect IML proprietary rights, ensuring that the IML protected names will not be lost or compromised by unauthorized use. Use of the IML name on any item not produced by IML is prohibited except as follows:
        • [IBO's name] Independent IML IBO or IML Independent Business Owner.
        • [IBO's name] Independent IBO of IML Services.
    • Further procedures relating to the use of the IML name are as follows:
        • All stationary (i.e. letterhead, envelopes, and business cards) bearing the IML name or logo intended for use by the IML IBO must be submitted via email to the IML Compliance Team for approval. Submit to: mailto:[email protected].
        • IML IBOs may list "Independent IML IBO" in the white pages of the telephone directory under his or her own name.
        • IML IBOs may not use the name IML or IML in answering his or her telephone, creating a voice message or using an answering service, such as to give the impression to the caller that they have reached the corporate office. They may state, "Independent IML IBO."
    • Certain photos and graphic images used by IML in its advertising, packaging, and websites are the result of paid contracts with outside vendors that do not extend to IBOs. If an IBO wants to use these photos or graphic images, they must negotiate individual contracts with the vendors for a fee.
    • An IBO shall not appear on or make use of television or radio or make use of any other media to promote or discuss IML or its programs, services without prior written permission from the IML Compliance Team.
        • An IBO may not produce for sale or distribution any Company event or speech, nor may an IBO reproduce IML audio or video clips for sale or for personal use without prior written permission from the IML Compliance Where professional services are the primary source of revenue and the service sales are secondary (e.g., d's offices, clinics, health clubs, spas and beauty salons); Team.
    • IML reserves the right to rescind its prior approval of any sales aid or promotional materials to comply with changing laws and regulations and may request the removal from the marketplace of such materials without financial obligation to the affected IBO.
    • An IBO shall not promote non-IML Services or services in conjunction with IML Services or services on the same social media site or same advertisement without prior approval from IML Compliance Team.
    • Claims (which include personal testimonials) of any Services offered by IML may not be made except those contained in official IML literature. In particular, no IBO may make any claim that IML Services guarantee financial, of investment growth, profits, or any other financial team seen as a purported or guarantee of return on investment. Such statements can be perceived as investment claims. Not only do such claims violate IML policies, but they also potentially violate federal and provincial laws and regulations.
  • 14.4 Faxes and E-mail - Limitations
    • Except as provided in this section, an IBO may not use or transmit unsolicited email, mass email distribution, other commercial electronic messages or "spamming" that advertises or promotes the operation of his or her IML business. The exceptions are;
        • E-mailing any person who has given prior permission or invitation;
        • E-mailing any person with whom the IBO has established a current business or personal relationship.
    • In all states or U.S. or International territories where prohibited by law, an IBO may not transmit, or cause to be transmitted through a third party, (by telephone, facsimile, computer or other device), an unsolicited advertisement to any equipment, which has the capacity to transcribe text or images from an electronic signal received over a regular telephone line, cable line, ISDN, T1 or any other signal carrying device, except as set forth in this section.
    • All e-mail or computer broadcasted documents subject to this provision shall include each of the following;
        • A clear and obvious identification that the fax or e-mail message is an advertisement or solicitation. The words "advertisement" or "solicitation" should appear in the subject line of the message;
        • A clear return path or routing information;
        • The use of legal and proper domain name;
        • A clear and obvious notice of the opportunity to decline to receive further commercial facsimile or e-mail messages from the sender;
        • Unsubscribe or opt-out instructions should be the very first text in the body of the message box in the same size text as the majority of the message;
        • The true and correct name of the sender, valid senders fax or e-mail address, and a valid sender physical address;
        • The date and time of the transmission;
        • Upon notification by recipient of his or her request not to receive further faxed or e-mailed documents, an IBO shall not transmit any further documents to that recipient.
    • All e-mail or computer broadcasted documents subject to this provision shall not include any of the following;
        • Use of any third-party domain name without permission;
        • Sexually explicit materials.
  • 14.5 Internet and Third-Party Website Restrictions
    • An IBO and/or Customer is prohibited from creating or registering any third-party website in order to promote, sell or advertise their IML business. AN IBO and/or Customer is prohibited to use or attempt to register any of IML's trade names, trademarks, service names, service marks, product names, URLs, advertising phrases, the IML name or any derivative thereof, for any purpose including, but not limited to, Internet domain names (URL), third party websites, e-mail addresses, web pages, or blogs.
    • An IBO may not sell IML Services, or offer the Business Opportunity using "online auctions," such as eBay®, Amazon, Etsy or other external retail websites or auction sites.
    • Social Media sites may be used to sell or offer to sell IML Services or services. PROFILES AN IBO OR CUSTOMER GENERATES IN ANY SOCIAL COMMUNITY WHERE IML IS DISCUSSED OR MENTIONED MUST CLEARLY IDENTIFY THE IBO AS AN INDEPENDENT IML IBO, and when An IBO and/or Customer participates in those communities, IML IBOs and/or Customers must avoid inappropriate conversations, comments,
      images, video, audio, applications or any other adult, profane, discriminatory or vulgar content. The determination of what is inappropriate is at IML's sole discretion, and offending IML IBO and/or Customer will be subject to disciplinary action. Banner ads and images used on these sites must be current and must come from the IML approved library, official IML website or social media outlet. If a link is provided, it must link to the posting IBO's Replicated website.
    • Anonymous postings or use of an alias on any Social Media site is prohibited, and offending IML IBOs will be subject to disciplinary action.
    • An IML BOs and/or Customers may not use blog spam, spamdexing or any other mass-replicated methods to leave blog comments. Comments IBOs or Customers create, or leave must be useful, unique, relevant and specific to the blog's article.
    • An IBOs and/or Customers must disclose their full name on all Social Media postings, and conspicuously identify themselves as an Independent IMLIBO for IML. Anonymous postings or use of an alias is prohibited.
    • Postings that are false, misleading, or deceptive are prohibited. This includes, but is not limited to, false or deceptive postings relating to the IML income opportunity, IML's Services and services, and/or your biographical information and credentials.
    • An IBO and/or Customer are personally responsible for their postings and all other online activity that relates to IML. Therefore, even if An IBO does not own or operate a blog or Social Media site, if An IBO and/or Customer posts to any such site that relates to IML or which can be traced to IML, the IBO is responsible for the posting. IBO and/or Customer are also responsible for postings which occur on any blog or Social Media site that the IBO and/or Customer owns, operates, or controls.
    • As an IBO, it is important to not converse with any person who places a negative post against you, other IML IBOs, or IML. Report negative posts to IML at [email protected]. Responding to such negative posts often simply fuels a discussion with someone carrying a grudge that does not hold themselves to the same high standards as IML, and therefore damages the reputation and goodwill of IML.
    • The distinction between a Social Media site and a website may not be clear- cut, because some Social Media sites are particularly robust, IML therefore reserves the sole and exclusive right to classify certain Social Media sites as third-party websites which are herein prohibited.
    • If your IML business is cancelled for any reason, you must discontinue using the IML name, and all of IML's trademarks, trade names, service marks, and other intellectual property, and all derivatives of such marks and intellectual property, in any postings and all Social Media sites that you utilize. If you post on any Social Media site on which you have previously identified
      yourself as an Independent IMLIBO, you must conspicuously disclose that you are no longer an Independent IMLIBO.
    • Failure to comply with these Policies for conducting business online may result in the IBO losing their right to advertise and market IML services and IML's business opportunity online in addition to any other disciplinary action available under the Policies and Procedures.
  • 14.6 Advertising and Promotional Materials
    • You may not advertise any IML Services at a price LESS than the highest company published, established retail price of the IML service and applicable taxes. No special enticement advertising is allowed. This includes, but is not limited to, offers of free membership, or other such offers that grant advantages beyond those available through the Company.
    • Advertising and all forms of communications must adhere to principles of honesty and propriety.
    • All advertising, including, but not limited to, print, Internet, computer bulletin boards, television, radio, etc., are subject to prior written approval by the IML Compliance Team.
    • All requests for approvals with respect to advertising must be directed in writing to the IML Compliance Team.
    • AN IBO who is currently paid at the Chairman 250 rank may create his or her own ads or promotional materials including the development of commercials or infomercials. However, all such materials, and any subsequent changes thereto, shall be submitted to the IML Compliance Team for approval.
    • Chairmen 250 are encouraged to work with the Compliance Team prior to the production of commercials, infomercials, or websites.
    • IML reserves the right to rescind its prior approval of submitted advertising or promotional materials in order to comply with changing laws and regulations, and may require the removal of such advertisements from the marketplace without obligation to the affected IML IBO.
  • 14.7 Testimonial Permission
    • By agreeing to the IML IBO Agreement, An IBO gives IML permission to use his or her testimonial or image and likeness in corporate sales materials, including but not limited to print media, electronic media, audio and video. In consideration of being allowed to participate in the IML Business Opportunity, An IBO waives any right to be compensated for the use of his or her testimonial or image and likeness even though IML may be paid for items or sales materials containing such image and likeness, and represents that any testimonial represents IML IBO's current, original, honest opinion,
      thoughts, beliefs, findings or experiences, based on IBO's actual experience with IML and any stated use of IML Services and/or services, and agrees to notify IBO immediately of any changes in the views expressed in the testimonial. In some cases, An IBO's testimonial may appear in another IML IBO's advertising materials. If an IBO does not wish to participate in IML sales and marketing materials, he or she should provide a written notice to the IML Compliance Team to ensure that his or her testimonial or image and likeness will not be used in any corporate materials, corporate recognition pieces, advertising or recordings of annual events.
  • 14.8 Telemarketing - Limitations
    • AN IBO must not engage in telemarketing in relation to the operation of the IML IBO's IML business. The term "telemarketing" means the placing of one or more telephone calls or facsimile transmissions to an individual or entity to induce the purchase of IML Services or to recruit them for the IML opportunity.
    • ; The federal government administers the Unsolicited Telecommunication Rules and operates a national Do-Not-Call registry that requires businesses to refrain from calling phone numbers listed on the national "Do-Not-Call" list (DNCL) and or people who tell the caller directly not to call/fax in the future.
    • While an IBO may not consider himself or herself a "telemarketer" in the traditional sense, these regulations broadly define the term "telemarketer" and "telemarketing" so that the unintentional action of calling someone whose telephone number is listed on the Federal "Do Not Call" registry could cause the IBO to violate the law. These regulations must not be taken lightly, as they carry significant penalties.
    • "Cold calls" or unsolicited calls/faxes made to prospective Customers or IBOs in order to promote IML Services, services or the IML opportunity is considered telemarketing and is prohibited.
    • Exceptions to Telemarketing Regulations
    • AN IBO may place telephone calls or faxes to prospective Customers, or IBOs under the following limited situations:
        • If the IBO has an established current business relationship with the prospect;
        • In response to the prospect's personal inquiry or application regarding a product or service offered by the IMLIBO, within 3 months immediately before the date of such a call/fax;
        • If the IBO receives written and signed permission from the prospect authorizing the IBO to call/fax;
        • If the call/fax is to family members, personal friends, and
          acquaintances. However, if an IBO makes a habit of collecting business cards from everyone he/she meets and subsequently calls/faxes them, the federal government may consider this a form of telemarketing that is not subject to this exemption;
        • IML IBOs engaged in calling "acquaintances," must make such calls/faxes on an occasional basis only and not as a routine practice.
    • AN IBO shall not use automatic telephone dialing systems in the operation of his or her IML businesses.
    • Failure to abide by IML policies or regulations as set forth by the federal government regarding telemarketing may lead to sanctions against the IML IBO's position, up to and including termination of the position.
    • By signing the IML IBO Agreement, or by accepting commissions, other payments or awards from IML, an IBO gives permission to IML and other IML IBOs to contact them as permitted under the Federal Do Not Call regulations.
    • In the event An IBO violates this section, IML reserves the right to institute legal proceedings to obtain monetary or equitable relief.
  • 15.1 INTERNATIONAL MARKETING
  • 15.2 International Marketing Policy
    • AN IBO is authorized to sell IML services, to Customers and IML IBOs only in the countries in which IML is authorized to conduct business, according to the Policies and Procedures of each country. IML IBOs may not sell services in any country where IML services have not received applicable government authorization or approval.
    • AN IBO may not, in any unauthorized country, conduct sales, enrollment or training meetings, enroll or attempt to enroll potential Customers, or IBOs, nor conduct any other activity for the purpose of selling IML services, establishing a sales organization, or promoting the IML business opportunity.
  • 16.0 IML GLOSSARY OF TERMS
    • ACTIVE IBO: AN IBO who is in good standing with respect to the Agreement and who satisfies the minimum sales volume requirements, as set forth in the Compensation Plan, to ensure that they are eligible to receive bonuses and commissions.
    • AGREEMENT: The contract between IML and each IML IBO and Customer; includes the IBO Agreement, the IML Policies and Procedures, and the IML Compensation Plan, all in their current form and as amended by IML in its sole
      discretion in accordance with the terms hereof. These documents are collectively referred to as the "Agreement."
    • CANCEL:The termination of An IBO's business. Cancellation may be either voluntary, involuntary, or through non-renewal.
    • COMPENSATION PLAN:The guidelines and referenced literature for describing how IBOs can generate commissions and bonuses
    • CUSTOMER: A Customer who purchases IML Services and does not engage in building a business or retailing product.
    • IBO: AN IBO who enrolls a Customer, or another IBO into the Company, and is listed as the Sponsor on the IBO Agreement. The act of enrolling others and training them to become IBOs is called "Sponsoring."
      *Note: Any reference to "personally enrolling/sponsoring" herein is simply descriptive of the method of building a community of IBOs, ie. personally, enrolling other participants into the Plan. The phrase is not intended to imply any connection between the simple act of recruitment, sponsorship, or enrollment, and payment of compensation.
    • IBO'S/IBO'S WALLET: Is a secure site that manages IML IBO's commissions.
    • SPONSOR*: AN IBO who enrolls a Customer, Retailer, or another IML IBO into the Company, and is listed as the Sponsor on the IBO Agreement. The act of enrolling others and training them to become IML IBOs is called "sponsoring."
      *Note: Any reference to "personally enrolling/sponsoring" herein is simply descriptive of the method of building a community of IBOs, ie. personally enrolling other participants into the Plan. The phrase is not intended to imply any connection between the simple act of recruitment, sponsorship, or enrollment, and payment of compensation.
    • IBO: An individual or entity who actively promotes, markets and sells IML Services for profit and who actively seeks and recruits others to do the same in accordance with the Agreement.
    • LINE OF SPONSORSHIP (LOS): A report generated by IML that provides critical data relating to the identities of IBOs, sales information, and enrollment activity of each IML IBO's organization. This report contains confidential and trade secret information which is proprietary to IML.
    • ORGANIZATION: The Customers and IML IBO placed below a particular IBO
    • OFFICIAL IMLMATERIAL: Literature, audio or video tapes, and/or any other materials developed, printed, published, or distributed by IML to IBO and Customers.
    • PLACEMENT: Your position inside your Sponsor's organization.
    • RECRUIT: For purposes of the Agreement, the term "Recruit" means the actual or attempted solicitation, enrollment, encouragement, or effort to influence in any
      other way, either directly, indirectly, or through a third party, another IMLIBO or Customer to enroll or participate in another multilevel marketing, network marketing, or direct sales opportunity.
    • UPLINE: This term refers to the IML IBO or IBOs above a particular IML IBO or Sponsor in a sponsorship line up to the Company. It is the line of sponsors that links any particular IBO to the Company.
FULL RISK DISCLOSURE: Trading contains substantial risk and is not for every investor. An investor could potentially lose all or more than the initial investment. Risk capital is money that can be lost without jeopardizing financial security or life style. Only risk capital should be used for trading and only those with sufficient risk capital should consider trading. Past performance is no guarantee of future results.

Original text