Wealtheo, Inc.

Policies and Procedures

Effective March 22, 2022


1.1 – At Wealtheo™, we believe that financial education and unlimited opportunity can change lives and change the world
Our mission is to change lives, one family at a time, by providing them with sound financial principles, learning tools to become free of debt and financially literate, and an opportunity to become entrepreneurs for those that aspire to financial independence. At Wealtheo™, we want to solve the largest problem in personal finance: debt.


2.1 – Purpose of the Affiliate Agreement and the Policies and Procedures
The purposes of the Affiliate Agreement and the Policies and Procedures include the following:

a. To assist Affiliates in building and protecting their businesses;
b. To protect Wealtheo™ and Affiliates from legal and regulatory risks;
c. To establish standards of acceptable behavior;
d. To set forth the rights, privileges, and obligations of Wealtheo™ and Affiliates; and
e. To define the relationship between Wealtheo™ and Affiliates.

2.2 – Policies and Procedures Incorporated into Affiliate Agreement
These Policies and Procedures, in their present form and as amended by Wealtheo™, Inc. (hereafter “Wealtheo™” or the “Company”), are incorporated into, and form an integral part of, the Wealtheo™ Affiliate Application and Agreement (“Affiliate Agreement”). It is the responsibility of each Affiliate (“Affiliate” includes former Consultants) to read, understand, adhere to, and insure that he or she is aware of and operating under the most current version of these Policies and Procedures. Throughout these Policies, when the term “Agreement” is used, it collectively refers to the Wealtheo™ Affiliate Application and Agreement (including Terms and Conditions)(if applicable) and these Policies and Procedures. These documents are incorporated by reference into the Wealtheo™ Affiliate Agreement (all in their current form and as amended by Wealtheo™).

2.3 – Changes to the Agreement
Wealtheo™ reserves the right to amend the Agreement, the Compensation Plan, and its prices in its sole and absolute discretion. By executing the Affiliate Agreement, an Affiliate agrees to abide by all amendments or modifications that Wealtheo™ elects to make. Amendments shall be effective thirty (30) days after publication of notice that the Agreement has been modified. Amendments shall not apply retroactively to conduct that occurred prior to the effective date of the amendment. Notification of amendments shall be published by one or more of the following methods: (1) posting on the Company’s official website; (2) electronic mail (e-mail); (3) posting in the Dashboard; or (4) inclusion in Company periodicals. The continuation of an Affiliate’s Wealtheo™ business, the acceptance of any benefits under the Agreement, or an Affiliate’s acceptance of commissions constitutes acceptance of all amendments.

2.4 – Policies and Provisions Severable
If any provision of the Agreement, in its current form or as may be amended, is found to be invalid, or unenforceable for any reason, only the invalid portion(s) of the provision shall be severed and the remaining terms and provisions shall remain in full force and effect. The severed provision, or portion thereof, shall be reformed to reflect the purpose of the provision as closely as possible.

2.5 – Waiver
The Company never gives up its right to insist on compliance with the Agreement and with the applicable laws governing the conduct of a business. No failure of Wealtheo™ to exercise any right or power under the Agreement or to insist upon strict compliance by a Consultant or Affiliate with any obligation or provision of the Agreement, and no custom or practice of the parties at variance with the terms of the Agreement, shall constitute a waiver of Wealtheo™’s right to demand exact compliance with the Agreement. The existence of any claim or cause of action of a Consultant or Affiliate against Wealtheo™ shall not constitute a defense to Wealtheo™’s enforcement of any term or provision of the Agreement.

2.6 – Company Use of Information
By submitting an Affiliate Application and Agreement that is accepted by Wealtheo™, the Affiliate consents to allow Wealtheo™, its affiliates, and any related company to: (a) process and utilize the information submitted in the Affiliate Application and Agreement (as amended from time to time) for business purposes related to the Wealtheo™ business; and (b) disclose, now or in the future, such Affiliate information to companies which Wealtheo™ may, from time to time, deal with to deliver information to an Affiliate to improve its marketing, operational, and promotional efforts. An Affiliate has the right to access his or her personal information via his or her respective dashboard, and to submit updates thereto.


3.1 – Consultant Program Terminated
Effective immediately, the Wealtheo™ Consultant program is now terminated. All Consultants are converted into Affiliates and are bound by all terms applicable to Affiliates under the prior Consultant & Affiliate Agreement replaced by the Affiliate Agreement. Wealtheo™ no longer pays commissions or operates a Wealtheo™ Compensation Plan for Consultants. All Consultants, upon eligibility, will receive commissions based on the Affiliate commissions payout.


4.1 – Requirements to Become an Affiliate
To become a Wealtheo™ Affiliate, each applicant must:

a. Be at least 18 years of age;
b. Reside in the United States or U.S. Territories or country that Wealtheo™ has officially announced is open for business;
c. Provide Wealtheo™ with his/her valid Social Security; and
d. Submit a properly completed Affiliate Application and Agreement to Wealtheo™ in online format.

Wealtheo™ reserves the right to accept or reject any Affiliate Application and Agreement for any reason or for no reason. Wealtheo™ employees are not eligible to be an Affiliate during their term of employment.

4.2 – Registration Fee and Product Purchases
No person is required to purchase Wealtheo™ products, services or sales aids, or to pay any charge or other fee to become an Affiliate.

4.3 – Affiliate Benefits
Once an Affiliate Application and Agreement has been accepted by Wealtheo™, the benefits of the commission payouts and the Affiliate Agreement are available to the new Affiliates. These benefits include the right to:

a. Sell Wealtheo™ products;
b. Participate in the Wealtheo™ commission payout for personal sales commissions;
c. Enroll other individuals as Customers, or Affiliates into the Wealtheo™ business; and
d. Receive periodic Wealtheo™ literature and other Wealtheo™ communications.

4.4 – Term and Renewal of Your Wealtheo™ Business
The term of the Affiliate Agreement is one year from the date of its acceptance by Wealtheo™. Affiliates must renew their Affiliate Agreement each year on or before the anniversary date of their Affiliate Agreement. If the Affiliate Agreement is not renewed within thirty (30) days after the expiration of the current term of the Affiliate Agreement, the Affiliate Agreement will be automatically terminated. Wealtheo™ shall have the right in its sole and absolute discretion not to accept the Agreement or any renewal of it.


5.1 – Adherence to the Wealtheo™ Commissions
Affiliates must adhere to the terms of the Wealtheo™ commissions as set forth in official Wealtheo™ literature. Affiliates shall not offer the Wealtheo™ opportunity through, or in combination with, any other system, program, sales tools, or method of marketing other than that specifically set forth in official Wealtheo™ literature. Affiliates shall not require or encourage other current or prospective Customers or Affiliates to execute any agreement or contract other than official Wealtheo™ agreements and contracts in order to become a Wealtheo™ Affiliate. Similarly, Affiliates shall not require or encourage other current or prospective Customers or Affiliates to make any purchase from, or payment to, any individual or other entity to participate in Wealtheo™ commissions other than those purchases or payments identified as recommended or required in official Wealtheo™ documents or literature.

5.2 – Advertising
5.2.1 – General
All Affiliates shall safeguard and promote the good reputation of Wealtheo™ and its products. The marketing and promotion of Wealtheo™, the Wealtheo™ opportunity, and Wealtheo™ products must avoid all discourteous, deceptive, misleading, unethical or immoral, or illegal conduct or practices.

To promote both the products and services, and the tremendous opportunity Wealtheo™ offers, Affiliates must use the sales aids, business tools, and support materials produced by Wealtheo™. The Company has carefully designed its products, product labels, and promotional materials to ensure that they are promoted in a fair and truthful manner, that they are substantiated, and the materials comply with the legal requirements of federal and state laws.

Accordingly, Affiliates must not produce or use the literature, advertisements, sales aids, business tools, promotional materials, or Internet web pages or content of or for themselves or other third parties.

5.2.2 – Trademarks and Copyrights
The name of Wealtheo™ and other names as may be adopted by Wealtheo™ are proprietary trade names, trademarks and service marks of Wealtheo™ (collectively “marks”). As such, these marks are of great value to Wealtheo™ and are supplied to Consultants and Affiliates for their use only in an expressly authorized manner. Wealtheo™ will only allow the limited non-exclusive use of its marks, designs, or symbols, or any derivatives thereof, solely by an Affiliate in the furtherance or operation of his or her Wealtheo™ business, consistent with these Policies and Procedures. Wealtheo™ will not allow the use of its marks, designs, or symbols, or any derivatives thereof, by any person, including Wealtheo™ Affiliates, in any manner without its prior, written permission.

The content of all Company sponsored events is copyrighted material. Affiliates shall not produce for sale or distribution any recorded Company events and speeches without written permission from Wealtheo™, nor may Affiliates reproduce for sale or for personal use any recording of Company-produced audio or video tape presentations.

As an Affiliate, you may use the Wealtheo™ name in the following manner

Affiliate’s Name
Independent Wealtheo™ Affiliate

Alice Smith
Independent Wealtheo™ Affiliate
Alice Smith
Independent Affiliate

Affiliates may not use the name Wealtheo™ in any form in your team name, a tagline, an external website name, your personal website address or extension, in an e-mail address, as a personal name, or as a nickname. Additionally, only use the phrase Independent Wealtheo™ Affiliate in your phone greeting or on your answering machine to clearly separate your independent Wealtheo™ business from Wealtheo™, LLC. For example, you may not secure the domain name www.buyWealtheo™.com, nor may you create an email address such as Wealtheo™[email protected]. – Independent Wealtheo™ Affiliate Logo
If you use a Wealtheo™ logo in any communication, you must use the Independent Affiliate version of the Wealtheo™ logo. Using any other Wealtheo™ logo requires written approval. Please see examples below:

Logos Approved for Consultant Use

5.2.3 – Media and Media Inquiries
Affiliates must not attempt to respond to media inquiries regarding Wealtheo™, its products or services, or their independent Wealtheo™ business. All inquiries by any type of media must be immediately referred to Wealtheo™’s Corporate Department. This policy is designed to assure that accurate and consistent information is provided to the public as well as a proper public image.

5.2.4 – Unsolicited Email
Wealtheo™ does not permit Affiliates to send unsolicited commercial emails unless such emails strictly comply with applicable state and federal laws and regulations including, without limitation, the federal CAN SPAM Act. The CAN-SPAM Act regulates the transmission of all commercial e-mail messages, not just unsolicited messages. A commercial e-mail message is defined as any e-mail that has a “primary purpose of . . . commercial advertisement or promotion of a commercial product or service.” This includes commercial e-mails sent to business e-mail accounts, as well as those sent to individual consumers. – Requirements for All Commercial Email Messages
The Mailing List

a. The mailing list may include only persons who have affirmatively agreed (opted in) to receive commercial e-mail from you.
b. The mailing list must not include any recipient who has previously asked not to receive commercial e-mail from the business (opted out).
c. You must “scrub” the mailing list against available “do not e-mail” list at the last possible, commercially reasonable moment before the e-mail is sent.

The E-mail Message

a. The message must include complete and accurate transmission and header information.
b. The “From” line must identify your business as the sender. This does not have to include your business’s formal name, if any. For example, it may contain your business’s name, trade name, or product or service name. The key requirement is that the “From” line provide the recipient with enough information to understand who is sending the message.
c. The “Subject” line must accurately describe the message’s content.
d. The message must clearly include the business’s valid, current physical postal address. This address can be a:
o street address;
o post office box that the business has accurately registered with the US Postal Service; or
o private mailbox that the business has accurately registered with a commercial mail receiving agency established pursuant to US Postal Service regulations.
e. The message must disclose that it is an advertisement or solicitation unless the e-mail message is sent only to recipients who have affirmatively agreed (opted in) to receive these messages from the business.
f. There must be a functioning return email address to the sender.
g. The use of deceptive subject lines and/or false header information is prohibited.

The Opt-out Mechanism

a. The message must clearly explain that the recipient may opt out of receiving future commercial messages from the business.
b. The message must include either an e-mail address or other online mechanism that the recipient may use for this opt out. The mechanism must not require the recipient to:
1. do anything more than reply to the e-mail or visit a single web page to opt out;
2. make any payment or submit any personal information, including account information (other than e-mail address), to opt out; and
3. the opt-out mechanism must work for at least 30 days after the e-mail is sent.
c. You must ensure that the explanation of how a recipient can opt out is easy to read and understand.
d. You may include a menu of opt-out options that permit the recipient to select the types of commercial messages the recipient would like to continue receiving. However, one option must permit opting out of all commercial messages from you.
e. You must honor all opt-out requests within ten business days.
f. Opt-out requests do not expire. An opt-out is overridden only by the recipient’s subsequent express (opt in) request to receive commercial e-mail.
g. All opt-out requests, whether received by email or regular mail, must be honored. If you receive an opt-out request from a recipient of an email, you must forward the opt-out request to the Company.
h. You may not sell, share or use a business’s opt-out list for any reason other than to comply with the law.

Monitoring Opt-out Capabilities – If you use a third-party service provider you must implement procedures to ensure that your opt-out capabilities actually work. An example of a basic procedure to test the opt-out procedure is as follows:

a. Establish e-mail accounts with several major private e-mail account providers (for example, Gmail, Yahoo, Hotmail, AOL, and so on) and add these e-mail addresses to the business’s mailing list. For each e-mail address created for monitoring purposes, use the business’s opt-out mechanism to remove the e-mail address from the mailing list.
b. Repeat this procedure on a regular basis (for example, at least every two weeks).
c. Examine the e-mail received by the monitoring e-mail account to confirm that the: the opt-out mechanism works; the opt-out request is honored within 10 business days; and the monitoring e-mail account no longer receives commercial messages from the business.
d. If the monitoring and testing process reveals problems, the business should immediately fix the issues.

Third-party Marketing Affiliates or Service Providers – When using third-party service providers, including affiliate marketers you should ensure that the written contract with the service provider clearly sets out each party’s responsibilities for compliance with the CAN-SPAM Act and includes appropriate and adequate remedies for noncompliance. – Additional Requirements for Email Messages Sent to Wireless Devices
When sending commercial messages to wireless devices:

a. Ensure that you have the recipient’s prior, affirmative consent (opt in) to send the commercial message. The consent can be oral, written or electronic.
b. Ask for consent in a way that involves no cost to the recipient, for example:
1. do not send the request to the wireless device; and
2. allow the recipient to respond in a way that involves no cost (such as an online, e-mail or postal mail sign-up).
c. When seeking consent, make it clear that the recipient:
1. is agreeing to receive commercial e-mail on his wireless device;
2. may be charged to receive the e-mail; and
3. can revoke his consent at any time. – Commercial Email Messages Sent on Behalf of Affiliates
Wealtheo™ may periodically send commercial emails on behalf of Affiliates.  By entering into the Affiliate Agreement, Affiliate agrees that the Company may send such emails and that the Affiliate’s physical and email addresses will be included in such emails as outlined above.  Affiliate shall honor opt-out requests generated as a result of such emails sent by the Company.

5.2.5 Unsolicited Faxes
Except as provided in this section, Affiliates may not use or transmit unsolicited faxes in connection with their Wealtheo™ business.  The term “unsolicited faxes” means the transmission via telephone facsimile or computer of any material or information advertising or promoting Wealtheo™, its products, its compensation plan or any other aspect of the Company which is transmitted to any person, except that these terms do not include a fax: (a) to any person with that person’s prior express invitation or permission; or (b) to any person with whom the Consultant or Affiliate has an established business or personal relationship.  The term “established business or personal relationship” means a prior or existing relationship formed by a voluntary two way communication between an Affiliate and a person, on the basis of: (a) an inquiry, application, purchase or transaction by the person regarding products offered by such Affiliate; or (b) a personal or familial relationship, which relationship has not been previously terminated by either party. 

5.2.6 Television and Radio Advertising
Affiliates may not advertise on television and radio except with Wealtheo’s express written approval.

5.2.7 Advertised Prices
Affiliates may not create their own marketing or advertising material offering any Wealtheo™ products at a price less than the current price on www.Wealtheo™.com. Similarly, Affiliates may not sell any Wealtheo™ products at a price less than the current price on www.Wealtheo™.com.

5.3 Online Conduct
5.3.1 Affiliates Web Sites
Affiliate are provided with a replicated website by Wealtheo™, from which they can take orders, enroll new Affiliates, as well as manage their Wealtheo™ business. Affiliate may use only replicated websites provided by Wealtheo™ to promote their Wealtheo™ business, and may not create their own websites to directly or indirectly promote Wealtheo™’s products, services, or the Wealtheo™ opportunity.

5.3.2 Wealtheo™ Replicated Websites
Affiliates receive a Wealtheo™ Replicated Website to facilitate online buying experience for their Customers and enrollments for prospective Affiliates.

Affiliate may not alter the branding, artwork, look, or feel of their Replicated Website, and may not use their Replicated Website to promote, market or sell non-Wealtheo™ products, services or income opportunities. Specifically, you may not alter the look (placement, sizing etc.) or functionality of the following:

a. The Wealtheo™ Independent Affiliate Logo
b. Your Name
c. Wealtheo™ Corporate Website Redirect Button
d. Artwork, logos, or graphics
e. Original text.
Because Replicated Websites reside on the Wealtheo™.com domain, Wealtheo™ reserves the right to receive analytics and information regarding the usage of your website.

By default, your Wealtheo™ Replicated Website URL is www.Wealtheo™.com/<consultantD#>.

5.3.3 Domain Names, email Addresses and Online Aliases
Affiliates are not allowed to use or register Wealtheo™ or any of Wealtheo™’s trademarks, product names, or any derivatives, for any Internet domain name, email address, social media website, blog website, online handles or online aliases. Additionally, you cannot use or register domain names, email addresses, social media websites, blog websites, online handles and/or online aliases that could cause confusion, or be misleading or deceptive, in that they cause individuals to believe or assume the communication is from, or is the property of Wealtheo™. Examples of the improper use of Wealtheo™ include, but are not limited to any form of Wealtheo™ showing up as the sender of an email or examples such as:

www.MyWealtheo™Biz.com www.Wealtheo™DreamTeam.com
www.ISellWealtheo™.com www.Wealtheo™byJaneDoe.com
www.Wealtheo™Money.net www.JanesWealtheo™Opportunity.net

5.3.4 Online Classifieds
Affiliates may not use online classifieds (including Craigslist) to list, sell or retail specific Wealtheo™ products or product bundles. You may use online classifieds (including Craigslist) for prospecting, recruiting, sponsoring and informing the public about the Wealtheo™ income opportunity, provided Wealtheo™-approved templates/images are used. These templates will identify you as an Independent Wealtheo™ Affiliate. If a link or URL is provided, it must link to your Replicated Website or Affiliate link.

5.3.5 eBay / Online Auctions
Wealtheo™’s products and services may not be listed on eBay or other online auctions, nor may Affiliates enlist or knowingly allow a third party to sell Wealtheo™ products on eBay, other online auction site, or ecommerce sites, such as Amazon.com, MercadoLibre.com, AliBaba.com, TowBow.com, etc.. An Affiliate who becomes aware, or should have reasonably become aware, that a third party to whom he or she sells Wealtheo™ products on eBay or any other online auctions must immediately discontinue all sales to the third party.

5.3.6 Online Retailing
Affiliates may not list or sell Wealtheo™ products on any online retail store or ecommerce site (such as Amazon), nor may you enlist or knowingly allow a third party to sell Wealtheo™ products on any online retail store or ecommerce site. An Affiliate who becomes aware, or should have reasonably become aware, that a third party to whom he or she sells Wealtheo™ products on any online retail store or ecommerce site must immediately discontinue all sales to the third party.

5.3.7 Banner Advertising
Affiliates may place banner advertisements on a website provided you use Wealtheo™-approved templates and images. All banner advertisements must link to your Replicated Website. Affiliates may not use blind ads (ads that do not disclose the identity of the Company) or web pages that make product or income claims that are ultimately associated with Wealtheo™ products or the Wealtheo™ opportunity. Banner advertisements may not be placed on any website that contains any violent, hateful, pornographic, or illegal content or any other content which may damage Wealtheo™’s reputation . Whether content is or may be damaging to Wealtheo™’s reputation shall be in the sole discretion of Wealtheo™.

5.3.8 Spam Linking
Spam linking is defined as multiple consecutive submissions of the same or similar content into blogs, wikis, guest books, websites or other publicly accessible online discussion boards or forums and is not allowed. This includes blog spamming, blog comment spamming and/or spamdexing. Any comments you make on blogs, forums, guest books, etc., must be unique, informative and relevant.

5.3.9 Digital Media Submission (YouTube, iTunes, PhotoBucket etc.)
Affiliates may upload, submit or publish Wealtheo™-related video, audio or photo content that they develop and create so long as it aligns with Wealtheo™’s values, contributes to the Wealtheo™ community greater good, and is in compliance with Wealtheo™’s Policies and Procedures. All submissions must clearly identify you as an Independent Wealtheo™ Affiliate in the content itself and in the content description tag, must comply with all copyright/legal requirements, and must state that you are solely responsible for this content. Affiliates shall not upload, submit or publish any content (video, audio, presentations or any computer files) received from Wealtheo™ or captured at official Wealtheo™ events or in buildings owned, leased, or operated by Wealtheo™ without prior written permission from Wealtheo™.

5.3.10 Sponsored Links / Pay-Per-Click (PPC) Ads
Except as prohibited elsewhere within the Policies and Procedures, sponsored links or pay-per-click ads (PPC) are acceptable. The destination URL must be to the Affiliate link. The display URL must also be to the Affiliate link, and must not portray any URL that could lead the user to believe they are being directed to a Wealtheo™ Corporate site, or be inappropriate or misleading in any way.

5.3.11 Domain Names and Email Addresses
Except as set forth in the Affiliate Application and Agreement, Affiliates may not use or attempt to register any of Wealtheo™’s trade names, trademarks, service names, service marks, product names, the Company’s name, or any derivative of the foregoing, for any Internet domain name, email address, or social media name or address.

5.3.12 Social Media
In addition to meeting all other requirements specified in these Policies and Procedures, should you utilize any form of social media, including but not limited to Facebook, Instagram, Snapchat, Twitter, LinkedIn, YouTube, or Pinterest, you agree to each of the following:

a. No product sales or enrollments may occur on any social media site. To generate sales, a social media site must link only to your Wealtheo™ Affiliate link.
b. It is your responsibility to follow the social media site’s Terms of Use. If the social media site does not allow its site to be used for commercial activity, you must abide by the site’s Terms of Use.
c. Any social media site that is directly or indirectly operated or controlled by an Affiliate that is used to discuss or promote Wealtheo™’s products or the Wealtheo™ opportunity may not link to any website, social media site, or site of any other nature, other than the Affiliate link.
d. During the term of this Agreement and for a period of 12 calendar months thereafter, a Affiliate may not use any social media site on which they discuss or promote, or have discussed or promoted, the Wealtheo™ business or Wealtheo™’s products to directly or indirectly solicit Wealtheo™ Affiliates for another direct selling, multilevel marketing or network marketing program (collectively, “Direct Selling”). In furtherance of this provision, an Affiliate shall not take any action that may reasonably be foreseen to result in drawing an inquiry from other Affiliates relating to the business activities. Violation of this provision shall constitute a violation of the non-solicitation provision in Section 4.10 (Conflicts of Interest) below.
e. Affiliates who engage in another Direct Selling Business (as defined in Section 4.10.2) must not, directly, indirectly or through a third party use any social media account (e.g., Facebook, Twitter, LinkedIn, YouTube, Pinterest, Instagram, etc.) that the Affiliate currently uses or has used in the past to promote or discuss Wealtheo™, its products, programs, services or the business opportunity (“Wealtheo™ Social Media”), to promote another Direct Selling Business. If an Affiliate is involved in another Direct Selling Business, the Affiliate must create a separate social media account to promote the other Direct Selling Business. Affiliates are also prohibited from “cross-posting” from their other Direct Selling Business social media account on to the Affiliate’s Wealtheo™ Social Media and vice versa.
f. An Affiliate may post or “pin” photographs of Wealtheo™ products on a social media site, but only photos that are provided by Wealtheo™ and downloaded from the Affiliate’s Dashboard may be used.

In addition to the requirements specified in elsewhere in these Policies and Procedures, if a Affiliate utilizes any form of Social Media, he or she agrees to each of the following:

a. To generate sales and/or enroll an Affiliate, a Social Media site must link only to the Affiliate link.
b. Other than Pinterest and similar Social Media sites, any Social Media site that is directly or indirectly operated or controlled by an Affiliate that is used to discuss or promote Wealtheo™ products or the Wealtheo™ opportunity may not link to any website, Social Media site, or site of any other nature, other than the Affiliate link.
c. If an Affiliate creates a business profile page on any Social Media site that promotes or relates to Wealtheo™, its products, or opportunity, the business profile page must relate exclusively to the Affiliate’s Wealtheo™ business and Wealtheo™ products. If the Affiliate’s Wealtheo™ business is terminated for any reason, or if the Affiliate becomes inactive, the Affiliate must deactivate the business profile page.

5.3.13 Prohibited Postings
An Affiliate may not make any postings, or link to any postings or other material that are:

a. Sexually explicit, obscene, or pornographic;
b. Offensive, profane, hateful, threatening, harmful, defamatory, libelous, harassing, or discriminatory (whether based on race, ethnicity, creed, religion, gender, sexual orientation, physical disability, or otherwise);
c. Graphically violent, including any violent video game images;
d. Solicitous of any unlawful behavior;
e. Engaged in personal attacks on any individual, group, or entity; or
f. In violation of any intellectual property rights of the Company or any third party.

5.3.14 Responding to Negative Posts
An Affiliate is prohibited from conversing with others who place a negative post against them, other Affiliates, or the Company. The Affiliate must report negative posts to Wealtheo’s Compliance Department at [email protected].

5.4 Unauthorized Claims and Actions
5.4.1 Indemnification
An Affiliate is fully responsible for all of his or her verbal and written statements made regarding Wealtheo™ products, services, and the commission payout that are not expressly contained in official Wealtheo™ materials. This includes statements and representations made through all sources of communication media, whether person-to-person, in meetings, online, through Social Media, in print, or any other means of communication. Affiliates agree to indemnify Wealtheo™ and Wealtheo™’s directors, officers, employees, and agents, and hold them harmless from all liability including judgments, civil penalties, refunds, attorney fees, court costs, or lost business incurred by Wealtheo™ as a result of the Affiliate’s unauthorized representations or actions. Affiliate expressly assume all liability for any non-compete violation with any other business that Affiliate is or previously was engaged with prior to becoming a Wealtheo™ Affiliate. This provision shall survive the termination of the Consultant Agreement or Affiliate Agreement.

5.4.2 Compensation Plan Claims
Effective immediately, the Wealtheo™ Compensation Plan is terminated and will not pay any commissions. You must cease the promotion and marketing of the Wealtheo™ Compensation Plan.

5.4.3 Income Claims
Effective immediately, all former Consultants and Affiliates will no longer promote the Wealtheo™ Compensation Plan. Because Wealtheo™ Affiliates do not have the data necessary to comply with the legal requirements for making income claims, discussing the Wealtheo™ opportunity, Affiliates may not make income projections, income claims, or disclose his or her Wealtheo™ income (including, but not limited to, the showing of checks, copies of checks, bank statements, or tax records).

5.5 Commercial Outlets
Affiliates may not sell Wealtheo™ products from a commercial outlet, nor may Affiliates display or sell Wealtheo™ products or literature in any retail or service establishment. Online auction and/or sales facilitation websites, including but not limited to eBay and Craig’s List constitute Commercial Outlets, and may not be used to sell Wealtheo™ products.

5.6 Military Installations
The offer, promotion, or sale of the goods and services, or the offer and promotion of the Wealtheo™ opportunity on a military installation is not a right – it is a privilege. Even if an Affiliate lives on a military installation, he or she does not have the right to offer our products or opportunity to anyone on that installation without the permission of the installation Commander. For the purposes of the U.S. Navy personnel and Navy Regulations, the definition of an “installation” also includes U.S. Navy vessels.

Any Affiliate who wants to offer, promote, or sell Wealtheo™ products, or offer and promote the Wealtheo™ opportunity (these activities will be collectively referred to as “commercial solicitation activities”) on a military installation must make an inquiry to the office of the installation Commander to determine whether the Commander has granted permission for Wealtheo™ Affiliates to engage in such activities on the installation. If the Commander has not done so, the Affiliate must contact Wealtheo™’s offices to ask the Company to obtain the Commander’s permission. Affiliates are prohibited from seeking such permission from any installation Commander. If obtained, the permission to engage in commercial solicitation activities on a military installation is granted only for one particular installation.

Any Affiliate who intends to engage in commercial solicitation activities on a military installation must be aware of and become completely familiar with the applicable military Regulation or Instruction. There are many activities that are permissible in a civilian environment that are not permissible on a military installation. Some of these activities include, but are not limited to:

a. Solicitation during enlistment or induction processing or during basic combat training, and within the first half of the one station unit training cycle.
b. Solicitation of “mass,” “group,” or “captive” audiences.
c. Making appointments with or soliciting military personnel during their normally-scheduled duty hours.
d. Soliciting without an appointment in areas used for housing or processing transient personnel, or soliciting in barracks areas used as quarters.
e. Use of official military identification cards or vehicle decals by active duty, retired, or reserve members of the military services to gain access to Army installations for the purpose of soliciting. (When entering the installation for the purpose of solicitation, Affiliates with military identification cards and/or installation vehicle decals must present documentation issued by the installation authorizing solicitations.)
f. Offering rebates to promote transaction or to eliminate competition.
g. Any oral or written representations which suggest or appear that the military branch sponsors or endorses the Company or its Affiliates, or the goods, services, and commodities offered for sale.
h. The designation of any agent or the use by any agent of titles (for example, “Battalion Insurance Counselor,” “Unit Insurance Advisor,” “Servicemen’s Group Life Insurance Conversion Affiliate”) that in any manner states or implies any type of endorsement from the U.S. Government, the Armed Forces, or any State or Federal agency or Government entity.
i. Entry into any unauthorized or restricted area.
j. Distribution of literature other than to the person being interviewed.
k. Contacting military personnel by calling a Government telephone, faxing to a Government fax machine, or sending e-mail to a Government computer, unless a pre-existing relation (that is, the military member is a current client or requested to be contacted) exists between the parties and the military member has not asked for the contact to be terminated.
l. Soliciting door to door or without an appointment.

The foregoing items are not an all-inclusive list. There are many more prohibited activities that are addressed in the applicable military Regulation or Instruction. The violation of military Regulations or Instructions by one Affiliate could jeopardize the ability of all Wealtheo™ Affiliates to engage in commercial solicitation activities on a particular military installation or even the entire branch of the military involved (e.g., Army, Air Force, Navy, Marines, or Coast Guard).

5.7 Trade Shows, Expositions and Other Sales Forums
Affiliates may not display and/or sell Wealtheo™ products at trade shows and professional expositions.

5.8 Conflicts of Interest

5.8.1 Non-solicitation
Wealtheo™ Affiliates are free to participate in other direct selling entities, businesses, organizations, opportunities, or ventures (collectively referred to as a “Direct Selling Business”). However, during the term of this Agreement, any renewal or extension hereof, and for a period of three years following the termination of an Affiliate Agreement, an Affiliate may not recruit any Wealtheo™ Affiliate or Customer for another Direct Selling Business. Affiliates and the Company recognize that because direct selling is conducted through networks of independent contractors dispersed across the entire United States and internationally, and business is commonly conducted via the internet and telephone, an effort to narrowly limit the geographic scope of this non-solicitation provision would render it wholly ineffective. Therefore, Affiliates and Wealtheo™ agree that this non-solicitation provision shall apply nationwide throughout the United States and to all international markets in which Affiliates are located. This provision shall survive the termination or expiration of the Consultant Agreement or Affiliate Agreement.

For the purposes of this Section 5.10.2, the term “recruit” means the actual or attempted sponsorship, solicitation, enrollment, encouragement, or effort to influence in any way (either directly, indirectly, or through a third party) another Wealtheo™ Affiliate or Customer to: (1) enroll, join, or otherwise participate in another Direct Selling Business; or (2) terminate or alter his or her business or contractual relationship with the Wealtheo™. The term “recruit” also includes the above activities in the event that the Affiliate’s actions are in response to an inquiry made by another Affiliate or Customer.

5.8.2 Confidential Information
“Confidential Information” includes, but is not limited to, the identities of Wealtheo™ customers and Affiliates, contact information of Wealtheo™ customers, Affiliates, Affiliate’s personal and group sales volumes, and other financial and business information. All Confidential Information (whether oral or in written or electronic form) is proprietary information of Wealtheo™ and constitutes a business trade secret belonging to Wealtheo™. Confidential Information is, or may be available, to Affiliates in their respective back-offices. Affiliate access to such Confidential Information is password protected, and is confidential and constitutes proprietary information and business trade secrets belonging to Wealtheo™. Such Confidential Information is provided to Affiliate in strictest confidence and is made available to Affiliate for the sole purpose of assisting Affiliate in working with their respective Wealtheo™ business. Affiliates may not use the reports for any purpose other than for developing, managing, or operating their Wealtheo™ business. Affiliates and Wealtheo™ agree that, but for this agreement of confidentiality and nondisclosure, Wealtheo™ would not provide Confidential Information to the Affiliate.

To protect the Confidential Information, Affiliates shall not, on his or her own behalf, or on behalf of any other person, partnership, association, corporation or other entity:

a. Directly or indirectly disclose any Confidential Information to any third party;
b. Directly or indirectly disclose the password or other access code to his or her back-office;
c. Use any Confidential Information to compete with Wealtheo™ or for any purpose other than promoting his or her Wealtheo™ business;
d. Recruit or solicit any Affiliate or Customer of Wealtheo™ listed on any report or in the Affiliate’s back-office, or in any manner attempt to influence or induce any Affiliate or Customer of Wealtheo™, to alter their business relationship with Wealtheo™; or
e. Use or disclose to any person, partnership, association, corporation, or other entity any Confidential Information.

The obligation not to disclose Confidential Information shall survive cancellation or termination of the Agreement, and shall remain effective and binding irrespective of whether an Affiliate’s Agreement has been terminated, or whether the Affiliate is or is not otherwise affiliated with the Wealtheo™. Upon nonrenewal or termination of the Agreement, Affiliate must immediately discontinue all use of the Confidential Information and if requested by the Wealtheo™ promptly return all materials in their possession to the Wealtheo™ within five (5) business days of request at their own expense.

5.9 Targeting Other Direct Sellers
Wealtheo™ does not condone Affiliates specifically or consciously targeting the sales force of another direct sales company to sell Wealtheo™ products or to become Affiliates for Wealtheo™, nor does Wealtheo™ condone Affiliates solicitation or enticement of members of the sales force of another direct sales company to violate the terms of their contract with such other company. Should Affiliates engage in such activity, they bear the risk of being sued by the other direct sales company. If any lawsuit, arbitration or mediation is brought against an Affiliate alleging that he or she engaged in inappropriate recruiting activity of its sales force or customers, Wealtheo™ will not pay any of the Affiliate’s defense costs or legal fees, nor will Wealtheo™ indemnify the Affiliate for any judgment, award, or settlement.

5.10 Errors or Questions
If an Affiliate has questions about or believes any errors have been made regarding commissions or charges, the Affiliate must notify Wealtheo™ in writing within 30 days of the date of the purported error or incident in question. Wealtheo™ will not be responsible for any errors, omissions or problems not reported to the Company within 30 days.

5.11 Governmental Approval or Endorsement
Neither federal nor state regulatory agencies or officials approve or endorse any direct selling or network marketing companies or programs. Therefore, Affiliates shall not represent or imply that Wealtheo™ or its commission payout structure have been “approved,” “endorsed” or otherwise sanctioned by any government agency.

5.12 Income Taxes
Each Affiliate is responsible for paying local, state, and federal taxes on any income generated as an Independent Affiliate. Unfortunately, we cannot provide you with any personal tax advice. Please consult your own tax accountant, tax attorney, or other tax professional. If an Affiliate’s Wealtheo™ business is tax exempt, the Federal tax identification number must be provided to Wealtheo™. Every year, Wealtheo™ will provide an IRS Form 1099 MISC (Non-employee Compensation) earnings statement to each U.S. resident who: (1) Had earnings of over $600 in the previous calendar year; or (2) Made purchases during the previous calendar year in excess of $5,000.

5.13 Independent Contractor Status
Affiliates are independent contractors. The agreement between Wealtheo™ and its Affiliates does not create an employer/employee relationship, agency, partnership, or joint venture between the Company and the Affiliate. Affiliates shall not be treated as an employee for his or her services or for Federal or State tax purposes. All Affiliates are responsible for paying local, state, and federal taxes due from all compensation earned as an Affiliate of the Company. The Affiliate has no authority (expressed or implied), to bind the Company to any obligation. Each Affiliate shall establish his or her own goals, hours, and methods of sale, so long as he or she complies with the terms of the Affiliate Agreement, these Policies and Procedures, and applicable laws.

5.14 International Marketing
Affiliates are authorized to promote and/or sell Wealtheo™ products and services, and enroll Customers or Affiliates only in the countries in which Wealtheo™ is authorized to conduct business, as announced in official Company literature (an “Official Country”). Wealtheo™ products or sales aids may not be given, transferred, distributed, shipped into or sold in any Unauthorized Country (see definition below). Affiliates may not sell, give, transfer, or distribute Wealtheo™ products or sales aids from one Official Country into another Official Country.

Affiliates have no authority to take any steps in any country toward the introduction or furtherance of the Company. This includes, but is not limited to, any attempt to register, reserve or otherwise secure any Company names, trademarks, trade names, copyright, patent, other intellectual property, to secure approval for products or business practices, or to establish business or governmental contacts. You agree to indemnify the Company for all costs incurred by it for any remedial action needed to exonerate the Company in the event you improperly act purportedly on behalf of the Company.

Only after the Company has announced that a country is officially open for business (an “Official Country”) may Consultants conduct business in that Official Country by promoting the Company (or related entity) and/or promoting, marketing or selling Products, and enrolling other Affiliates or Customers. Affiliates are required to follow all laws, rules and regulations of the Official Country. Affiliates may use only promotional materials approved by the Company for use in an Official Country and sell only products approved for sale in that country.

In addition, no Affiliate may, in any Unauthorized Country:

a. advertise the Company or its products;
b. offer Company products for sale or distribution
c. conduct sales, enrollment or training meetings;
d. enroll or attempt to enroll potential Customers or Affiliates;
e. Accept payment for enrollment or recruitment from citizens of countries where Wealtheo™ does not conduct business;
f. promote international expansion via the Internet or in promotional literature; or
g. conduct any other activity for the purpose of selling Wealtheo™ products, establishing a marketing organization, or promoting the Wealtheo™ opportunity.

An Affiliate is solely responsible for compliance with all laws, tax requirements, immigration customs laws, rules and regulations of any country in which he or she conducts business. Affiliates accept the sole responsibility to conduct their independent businesses lawfully within each country in which he or she conducts business.

An Affiliate’s right to receive commissions in a country may be revoked at any time if the Company determines that he or she has not conducted business in particular country in accordance with the terms and conditions contained herein or the governing operations within such country.

The Company reserves the right to establish additional policies and procedures that are applicable to a specific country. An Affiliate who conducts business internationally agrees to abide by all special policies established by the Company for the specific country or countries in which he or she conducts business.

5.15 Bonus Buying
Bonus buying includes any mechanism or artifice to qualify for commissions or bonuses that is not driven by bona fide product or service purchases by end user consumers. Bonus buying includes, but is not limited to, purchasing products through a straw man or other artifice. Bonus buying is strictly prohibited and Affiliate’s right to receive commissions may be revoked at any time if the Company determines that he or she has engaged in Bonus buying tactics.

5.16 Adherence to Laws, Regulations and the Agreement
Affiliates must comply with all federal, state, and local laws, regulations, ordinances, codes, and the terms of the Agreement in the conduct of their businesses. Many cities and counties have laws regulating certain home-based businesses. In most cases these ordinances are not applicable to Affiliates because of the nature of their business. However, Affiliates must obey those laws that do apply to them. If a city or county official tells an Affiliate that an ordinance applies to him or her, the Affiliate shall be polite and cooperative, and immediately send a copy of the ordinance to the Corporate Department of Wealtheo™. In addition, Affiliates must not recommend, encourage or teach other Affiliates to violate federal, state, or local laws, regulations, ordinances, codes, or the terms of the Agreement in the operation of their Wealtheo™ business.

5.17 One Wealtheo™ Business Per Affiliate and Per Household
An Affiliate may operate or have an ownership interest, legal or equitable, as a sole proprietorship, partner, shareholder, trustee, or beneficiary, in only one Wealtheo™ business. No individual may have, operate or receive compensation from more than one Wealtheo™ business.

Individuals of the same Household may maintain, own, and operate their own Wealtheo™ Business. A “Household” is defined as spouses and dependent adult children living at or doing business at the same address. In the event that two members of the same Household elect to become Affiliates at the same time, one must be enrolled by the other. In the event that more than two members of the same Household elect to become Affiliates at the same time, they must elect one Household member to enroll the others. In the event that members of the same Household elect to become Affiliates at different times, the Household member who joined Wealtheo™ first must be the Sponsor for all other Household members.

5.18 Actions of Household Members or Affiliates
If any member of an Affiliate’s Household, engages in any activity which, if performed by the Affiliate, would violate any provision of the Agreement, such activity will be deemed a violation by the Affiliate and Wealtheo™ may take disciplinary action pursuant to the these Policies and Procedures against the Affiliate.

5.19 Roll-up of Organization
When a vacancy occurs in an Organization due to the termination of a Wealtheo™ business, each Affiliate in the first level immediately below the terminated Affiliate on the date of the termination (referred to in this Section as a “First Level Affiliate”) will have the opportunity to qualify to roll up into the position of the terminated Affiliate provided the prospective First Level Affiliate has not been in violation of the terms of the Wealtheo™ Affiliate Application and Agreement or any provision of the Policies and Procedures within the previous 12 months. The roll up will be awarded to the qualified First Level Affiliate on the date of the termination.

5.20 Sale, Transfer or Assignment of Wealtheo™ Business
Although a Wealtheo™ business is a privately owned and independently operated business, the sale, transfer or assignment of a Wealtheo™ business, is subject to certain limitations. If a Affiliate wishes to transfer his or her Wealtheo™ business, or transfer an interest, the following criteria must be met:

a. The selling Affiliate must offer Wealtheo™ the right of first refusal to purchase the business on the same terms as agreed upon with a third-party buyer. Wealtheo™ shall have fifteen days from the date of receipt of the written offer from the seller to exercise its right of first refusal.
b. The buyer or transferee must become a qualified Wealtheo™ Affiliate.
c. Before the transfer can be finalized and approved by Wealtheo™, any debt obligations the selling party has with Wealtheo™ must be satisfied.
d. The transferring party must be in good standing and not in violation of any of the terms of the Agreement in order to be eligible to transfer a Wealtheo™ business.

Prior to transferring an independent Wealtheo™ business, the transferring Affiliate must notify Wealtheo™’s Corporate Department in writing and advise of his or her intent to transfer his/her Wealtheo™ business. The transferring Affiliate must receive written approval from the Corporate Department before proceeding with the transfer. The decisions of Wealtheo™ regarding a transfer shall be made in its sole and absolute discretion. In the event that a Affiliate transfers his or her Wealtheo™ business without the express written approval of the Corporate Department, such transfer shall be voidable in the sole and absolute discretion of Wealtheo™.

5.21 Separation of a Wealtheo™ Business
Wealtheo™ Affiliate sometimes operate their Wealtheo™ businesses as husband-wife partnerships, regular partnerships, or trusts. At such time as a marriage may end in divorce or a partnership or trust may dissolve, arrangements must be made to assure that any separation or division of the business is accomplished so as not to adversely affect the interests and income of other businesses up or down the line of sponsorship.

During the divorce or entity dissolution process, the parties must adopt one of the following methods of operation:

a. One of the parties may, with consent of the other(s), operate the Wealtheo™ business pursuant to an assignment in writing whereby the relinquishing spouse, partners, or trustees authorize Wealtheo™ to deal directly and solely with the other spouse or non-relinquishing partner or trustee.
b. The parties may continue to operate the Wealtheo™ business jointly on a “business-as-usual” basis, whereupon all compensation paid by Wealtheo™ will be paid according to the status quo as it existed prior to the divorce filing or dissolution proceedings. This is the default procedure if the parties do not agree on the format set forth above.

Under no circumstances will the downline organization of divorcing spouses or a dissolving business entity be divided. Similarly, under no circumstances will Wealtheo™ split commission and bonus checks between divorcing spouses or members of dissolving entities. Wealtheo™ will recognize only one downline organization and will issue only one commission check per Wealtheo™ business per commission cycle. Commission checks shall always be issued to the same individual or entity.

If a former spouse has completely relinquished all rights in the original Wealtheo™ business pursuant to a divorce, he or she is thereafter free to enroll under any sponsor of his or her choosing. The former spouse shall have no rights to any Affiliates in their former organization or to any former Customer. They must develop the new business in the same manner as would any other new Affiliate.

5.22 Succession
Upon the death or incapacitation of an Affiliate, his or her business may be passed to his or her heirs. Appropriate legal documentation must be submitted to the Company to ensure the transfer is proper, including but not limited to, letters of administration, letter testamentary and the Final Order of Probate. Accordingly, an Affiliate should consult an attorney to assist him or her in the preparation of a will or other testamentary instrument. Whenever a Wealtheo™ business is transferred by a will or other testamentary process, the beneficiary acquires only the limited right to collect all bonuses and commissions of the deceased Affiliate’s organization provided the following qualifications are met. The successor(s) must be an individual and:

a. Execute an Affiliate Agreement;
b. Comply with terms and provisions of the Agreement;
c. Meet all of the qualifications for the deceased Affiliate’s status;
d. Provide Wealtheo™ with a name, email address, and “address of record” to which all bonus and commission checks will be issued pursuant herein.

If the business is bequeathed to joint devisees, they must form a business entity and acquire a Federal Taxpayer Identification Number. Wealtheo™ will temporarily issue all bonus and commission checks and one 1099 to the business entity.

If an Affiliate bequeathed the business to multiple beneficiaries, the formed entity must sell the Wealtheo™ business to either (i) an individual who was a beneficiary of Affiliate’s business with ownership interest in the formed entity or (ii) to Wealtheo™. The seller must offer Wealtheo™ the right of first refusal to purchase the business on the same terms as agreed upon with a beneficiary individual in (i) above. Wealtheo™ shall have fifteen days from the date of receipt of the written offer from the seller to exercise its right of first refusal. If the business is sold to a beneficiary individual in (i), the person must meet the successor requirements of (a) – (d) above.

5.22.1 Transfer Upon Death of an Affiliate
To effect a testamentary transfer of a Wealtheo™ business, the executor of the estate must provide the following to Wealtheo™: (1) an original death certificate; (2) certified letters testamentary or a letter of administration appointing an executor; and (3) written instructions from the authorized executor to Wealtheo™ specifying to whom the business and income should be transferred.

5.22.2 Transfer Upon Incapacitation of an Affiliate
To effectuate a transfer of a Wealtheo™ business because of incapacity, the successor must provide the following to Wealtheo™: (1) a notarized copy of an appointment as trustee; (2) a notarized copy of the trust document or other documentation establishing the trustee’s right to administer the Wealtheo™ business; and (3) a completed Affiliate Agreement executed by the trustee.

5.23 Telemarketing Techniques
The Federal Trade Commission and the Federal Communications Commission each have laws that restrict telemarketing practices. Both federal agencies (as well as a number of states) have “do not call” regulations as part of their telemarketing laws. Although Wealtheo™ does not consider Affiliates to be “telemarketers” in the traditional sense of the word, these government regulations broadly define the term “telemarketer” and “telemarketing” so that your inadvertent action of calling someone whose telephone number is listed on the federal “do not call” registry could cause you to violate the law. Moreover, these regulations must not be taken lightly, as they carry significant penalties.

Therefore, Affiliates must not engage in telemarketing in the operation of their Wealtheo™ businesses.  The term “telemarketing” means the placing of one or more telephone calls to an individual or entity to induce the purchase of a Wealtheo™ product or service, or to recruit them for the Wealtheo™ opportunity.  “Cold calls” made to prospective customers or Consultants that promote either Wealtheo™’s products or services or the Wealtheo™ opportunity constitute telemarketing and are prohibited.  However, a telephone call(s) placed to a prospective customer or Consultant (a “prospect”) is permissible under the following situations:

a. If the Affiliate has an established business relationship with the prospect.  An “established business relationship” is a relationship between an Affiliate and a prospect based on the prospect’s purchase of goods or services from the Affiliate, or a financial transaction between the prospect and the Affiliate, within the eighteen (18) months immediately preceding the date of a telephone call to induce the prospect’s purchase of a product or service.
b. The prospect’s personal inquiry or application regarding a product or service offered by the Affiliate, within the three (3) months immediately preceding the date of such a call.
c. If the Affiliate receives written and signed permission from the prospect authorizing the Affiliate to call. The authorization must specify the telephone number(s) which the Affiliate is authorized to call.
d. You may call family members, personal friends, and acquaintances. An “acquaintance” is someone with whom you have at least a recent first-hand relationship within the preceding three months. Bear in mind, however, that if you engage in “card collecting” with everyone you meet and subsequently calling them, the FTC may consider this a form of telemarketing that is not subject to this exemption. Thus, if you engage in calling “acquaintances,” you must make such calls on an occasional basis only and not make this a routine practice.
e. Affiliate shall not use automatic telephone dialing systems or software relative to the operation of their Wealtheo™ businesses.
f. Affiliate shall not place or initiate any outbound telephone call to any person who delivers any pre-recorded message (a “robocall”) regarding or relating to the Wealtheo™ products, services or opportunity.

5.24 Dashboard Access
Wealtheo™ makes an online dashboard available to its Affiliates. The Dashboard provides Affiliates access to confidential and proprietary information that may be used solely and exclusively to promote the development of an Affiliate’s Wealtheo™ business and to increase sales of Wealtheo™ products. However, access to the dashboard is a privilege, and not a right. Wealtheo™ reserves the right to deny Affiliates’ access to the back office at its sole discretion.

5.25 Unauthorized Communication
In the excitement and enthusiasm of working his or her Wealtheo™ business, an Affiliate may attempt to contact the Company’s vendors, suppliers, or advisors with questions or ideas. Any such communication without the Company’s prior written consent is strictly prohibited. Vendors, suppliers, and advisors are often not set up to handle a large volume of contacts. Equally important, we must respect their rights to privacy. Questions regarding any of these Entities may be directed to Corporate Department.


6.1 Change of Address, Telephone, and E-Mail Addresses
To ensure timely delivery of products, support materials, commission, and tax documents, it is important that the Wealtheo™’s files are current. Street addresses are required for shipping since UPS and FedEx cannot deliver to a post office box. Affiliates planning to change their e-mail address or move must send their new address and telephone numbers to Wealtheo™’s Corporate Offices to the attention of the Support Department. To guarantee proper delivery, two weeks advance notice must be provided to Wealtheo™ on all changes. Additionally, Affiliate’s contact information changes must be amended in their Affiliate Dashboard.

6.2 Non-disparagement
Wealtheo™ wants to provide its independent Affiliates with the best products, compensation plan, and service in the industry. Accordingly, we value your constructive criticisms and comments. All such comments should be submitted in writing to the Compliance Department. Remember, to best serve you, we must hear from you! While Wealtheo™ welcomes constructive input, negative comments and remarks made in the field by Affiliates about the Company or its products serve no purpose other than to sour the enthusiasm of other Wealtheo™ Affiliates.

For this reason, and to set the proper example for their downline, during the term of this Agreement and at any time thereafter, Affiliate agrees not make any false, derogatory, demeaning or disparaging statements (collectively “disparage”) or encourage or induce others to disparage Wealtheo™, other Wealtheo™ Affiliate or any of Wealtheo™’s past and present owners, officers, directors, employees or products (the “Company Parties”). Affiliates further agree not to (i) make any statements, or take any other actions whatsoever, to disparage, defame, demean, sully or compromise the goodwill, name, brand or reputation of the Company, its products, Marketing, Customers, or any of its Wealtheo™ Affiliates (as defined in Sections 3 and 4) (collectively, the “Company Goodwill”) or (ii) commit any other action that could likely injure, hinder or interfere with the Business, business relationships or Company Goodwill of the Company, its Ambassadors, Customers or its Wealtheo™ Affiliates.

For purposes of this Section 6.2, the term “disparage” includes, without limitation, comments or statements to the press, any media outlet, industry group, financial institution, the Wealtheo’s Affiliates, employees or to any individual or entity with whom Wealtheo™ has a business relationship (including, without limitation, any vendor, supplier, Customer, Affiliate or independent contractor), social media posts, or any public statement, that in each case is intended to, or can be reasonably expected to, materially damage any of the Company Parties. Notwithstanding the foregoing, nothing in this Section 6.2 shall prevent a Affiliate from making any truthful statement to the extent, but only to the extent: (1) necessary with respect to any litigation, arbitration or mediation involving this Agreement, including, but not limited to, the enforcement of this Agreement, in the forum in which such litigation, arbitration or mediation properly takes place; or (2) required by law, legal process or by any court, arbitrator, mediator or administrative or legislative body (including any committee thereof) with apparent jurisdiction over the Affiliate.


8.1 Commission Qualifications and Accrual
So long as an Affiliate complies with the terms of the Agreement, Wealtheo™ shall pay commissions to such Affiliate in accordance with the Wealtheo™ commissions payout. The minimum amount for which Wealtheo™ will issue a commission is $20. If an Affiliate’s commissions do not equal or exceed $20, the Company will accrue the commissions until they total $20. Payment will be issued once $20 has been accrued. Notwithstanding the foregoing, all commissions owed an Affiliate, regardless of the amount accrued, will be paid at the end of each fiscal year or upon the termination of an Affiliate’s business.

8.2 Adjustment to Commissions
8.2.1 Adjustments for Returned Products and Canceled Services
Affiliates receive commissions based on the actual sales of products and services to end consumers. When a service is canceled or a product is returned to Wealtheo™ for a refund or is repurchased by the Company, any of the following may occur at the Company’s discretion: (1) the commissions attributable to the returned or repurchased product(s) or canceled service will be deducted from payments to the Affiliate and upline Affiliate who received commissions on the sales of the refunded product(s) or canceled service, in the month in which the refund is given, and continuing every pay period thereafter until the commission is recovered; (2) the commissions attributable to the returned or repurchased product(s) or canceled service may be deducted from any refunds or credits to the Affiliate who received the commissions on the sales of the refunded product(s) or canceled service. In the event that the Company is unable, within three months from the payment of any refund(s) by the Company, to recover all commissions on the sales of the refunded product(s) or canceled service(s) from the Affiliate or upline Affiliates who received them, the Company shall be entitled to assert a claim against such Affiliate(s) for payment.

8.2.2 Commission Payments
The Company pays commissions via deposit onto a Company provided account with a debit card. An Affiliate may also request a transfer of funds to your bank account wherein applicable fees are applied for this.

8.2.3 Tax Withholdings
If an Affiliate fails to provide his or her correct tax identification number, Wealtheo™ will deduct the necessary withholdings from the Affiliate’s commission checks as required by law.

8.3 Reports
All information provided by Wealtheo™ in downline activity reports, including but not limited to personal and group sales volume (or any part thereof), and downline sponsoring activity is believed to be accurate and reliable. Nevertheless, due to various factors including but not limited to the inherent possibility of human, digital, and mechanical error; the accuracy, completeness, and timeliness of orders; denial of credit card and electronic check payments; returned products; credit card and electronic check charge-backs; the information is not guaranteed by Wealtheo™ or any persons creating or transmitting the information.



Access to and use of Wealtheo™’s online and telephone reporting services and your reliance upon such information is at your own risk. All such information is provided to you “as is”. If you are dissatisfied with the accuracy or quality of the information, your sole and exclusive remedy is to discontinue use of and access to Wealtheo™’s online and telephone reporting services and your reliance upon the information.


9.1 Product Guarantee
Wealtheo™ offers a no questions asked 3-day money-back guarantee refund for all un-accessed Wealtheo™ products. Every Affiliate is bound to honor the retail customer guarantee.
If an Affiliate returns more than two Wealtheo™ products for a refund in any 12 consecutive month period, the request will constitute the Affiliate’s voluntary termination of his/her Affiliate Agreement, the Affiliate’s Agreement will be terminated and his or her Wealtheo™ business will be canceled.
By purchasing a subscription to any product, you are agreeing to Wealtheo™ granting access to the purchased product during the duration of the subscription period only. For all products that are not subscription-based purchases, Wealtheo™ is only granting online access for the limited-period of six (6) months. Wealtheo™ retains the sole and exclusive right to extend this time on a case-by-case basis as it sees fit.
9.2 Rescission
9.2.1 Retail Customers
Federal and state law requires that a retail customer who makes a purchase of $25.00 or more has three business days (excluding Sundays and legal holidays) (5 business days for Alaska residents and 15 business days in North Dakota for Individuals age 65 and older) after the sale or execution of a contract to cancel the order and receive a full refund consistent with the cancellation notice on the order form or sales receipt stating the product is un-accessed. When an Affiliate makes a sale or takes an order from a retail customer who cancels or requests a refund within the three-business day period, the Affiliate must promptly refund the customer’s money as long as the products are un-accessed prior to return (five business days for Alaska residents). Sales tax is not refundable.
9.3 Procedures for All Merchandise Returns
The following procedures apply to all merchandise returns for refund, repurchase, or exchange:

a. All items must be returned by the Affiliate or customer who purchased it directly from Wealtheo™.
b. Proper shipping carton(s) and packing materials are to be used in packaging the items(s) being returned, and the best and most economical means of shipping is suggested. All returns must be shipped to Wealtheo™ shipping pre-paid. Wealtheo™ does not accept shipping-collect packages. The risk of loss in shipping for returned items shall be on the Affiliate. If the returned items are not received by the Company’s Distribution Center, it is the responsibility of the Affiliate to trace the shipment.

No refund or replacement of any items will be made if the conditions of these rules are not met.


10.1 Disciplinary Sanctions
Violation of the Agreement, these Policies and Procedures, violation of any common law duty, including but not limited to any applicable duty of loyalty, any illegal, fraudulent, deceptive or unethical business conduct, or any act or omission by an Affiliate that, in the sole discretion of the Company may damage its reputation or goodwill (such damaging act or omission need not be related to the Affiliate’s Wealtheo™ business), may result, at Wealtheo™’s discretion, in one or more of the following corrective measures:

a. Issuance of a written warning or admonition;
b. Requiring the Affiliate to take immediate corrective measures;
c. Imposition of a fine, which may be withheld from bonus and commission checks;
d. Loss of rights to one or more bonus and commission checks;
e. Wealtheo™ may withhold from an Affiliate all or part of the Affiliate’s commissions during the period that Wealtheo™ is investigating any conduct allegedly violative of the Agreement. If an Affiliate’s business is canceled for disciplinary reasons, the Affiliate will not be entitled to recover any commissions withheld during the investigation period;
f. Suspension of the individual’s Affiliate Agreement for one or more pay periods;
g. Transfer or removal of some or all of an Affiliate’s downline Consultants from the offending Affiliate’s downline organization;
h. Involuntary termination of the offender’s Affiliate Agreement;
i. Suspension and/or termination of the offending Affiliate’s link or website access;
j. Any other measure expressly allowed within any provision of the Agreement or which Wealtheo™ deems practicable to implement and appropriate to equitably resolve injuries caused partially or exclusively by the Affiliate’s policy violation or contractual breach;
k. In situations deemed appropriate by Wealtheo™, the Company may institute legal proceedings for monetary and/or equitable relief.

10.2 Mediation
Prior to instituting an arbitration, the parties shall meet in good faith and attempt to resolve any dispute arising from or relating to the Agreement through non-binding mediation. One individual who is mutually acceptable to the parties shall be appointed as mediator. The mediation shall occur within 60 days from the date on which the mediator is appointed. The mediator’s fees and costs, as well as the costs of holding and conducting the mediation, shall be divided equally between the parties. Each party shall pay its portion of the anticipated shared fees and costs at least 10 days in advance of the mediation. Each party shall pay its own attorneys’ fees, costs, and individual expenses associated with conducting and attending the mediation. Mediation shall be held in Conroe, Texas, and shall last no more than two business days.

10.3 Arbitration
If mediation is unsuccessful, any controversy or claim arising out of or relating to the Agreement, or the breach thereof, shall be settled by arbitration. The Parties waive all rights to trial by jury or to any court. The arbitration shall be filed with, and administered by, the American Arbitration Association (“AAA”) under its respective rules and procedures. The Commercial Arbitration Rules and Mediation Procedures of the AAA are available on the AAA’s website at www.adr.org. Copies of AAA’s Commercial Arbitration Rules and Mediation Procedures will also be emailed to Consultants upon request to Wealtheo™’s Corporate Department.   
Notwithstanding the rules of the AAA, the following shall apply to all Arbitration actions:
a. The Federal Rules of Evidence shall apply in all cases; 
b. The Parties shall be entitled to all discovery rights permitted by the Federal Rules of Civil Procedure;
c. The Parties shall be entitled to bring motions under Rules 12 and/or 56 of the Federal Rules of Civil Procedure;
d. The arbitration shall occur within 180 days from the date on which the arbitrator is appointed, and shall last no more than five business days;
e. The Parties shall be allotted equal time to present their respective cases, including cross-examinations. 
All arbitration proceedings shall be held in Conroe, Texas. There shall be one arbitrator selected from the panel that the Alternate Dispute Resolution service provides. Each party to the arbitration shall be responsible for its own costs and expenses of arbitration, including legal and filing fees. The parties shall be allotted equal time to present their respective cases. The decision of the arbitrator shall be final and binding on the parties and may if necessary, be reduced to a judgment in any court of competent jurisdiction. This agreement to arbitrate shall survive the cancellation or termination of the Agreement.

The parties and the arbitrator shall maintain the confidentiality of the entire arbitration process and shall not disclose to any person not directly involved in the arbitration process:

a. The substance of, or basis for, the controversy, dispute, or claim;
b. The content of any testimony or other evidence presented at an arbitration hearing or obtained through discovery in arbitration;
c. The terms or amount of any arbitration award;
d. The rulings of the arbitrator on the procedural and/or substantive issues involved in the case.

Notwithstanding the foregoing, nothing in these Policies and Procedures shall prevent either party from applying to and obtaining from any court having jurisdiction a writ of attachment, a temporary injunction, preliminary injunction, permanent injunction or other relief available to safeguard and protect its intellectual property rights, and/or to enforce its rights under the non-solicitation provision of the Agreement.

10.4 Governing Law, Jurisdiction, and Venue
Jurisdiction and venue of any matter not subject to arbitration shall reside exclusively in Montgomery County, State of Texas. The Federal Arbitration Act shall govern all matters relating to arbitration. The law of the State of Texas shall govern all other matters relating to or arising from the Agreement.

10.4.1 Louisiana Residents
Notwithstanding the foregoing, and the arbitration provision in Section 10.4, residents of the State of Louisiana shall be entitled to bring an action against Wealtheo™ in their home forum and pursuant to Louisiana law.

11.1 Sales Taxes
Wealtheo™ is required to charge sales taxes on all purchases made by Affiliates and Customers, and remit the taxes charged to the respective states. Accordingly, Wealtheo™ will collect and remit sales taxes on behalf of Affiliates, based on the suggested retail price of the products, according to applicable tax rates in the state or province to which the shipment is destined. If an Affiliate has submitted, and Wealtheo™ has accepted, a current Sales Tax Exemption Certificate and Sales Tax Registration License, sales taxes will not be added to the invoice and the responsibility of collecting and remitting sales taxes to the appropriate authorities shall be on the Affiliate (unless the state in question does not accept a Sales Tax Exemption Certificate and Sales Tax Registration License from a direct selling independent contractor). Exemption from the payment of sales tax is applicable only to orders which are shipped to a state for which the proper tax exemption papers have been filed and accepted. Applicable sales taxes will be charged on orders that are drop-shipped to another state. Any sales tax exemption accepted by Wealtheo™ is not retroactive.


Affiliate – A person that contracts with Wealtheo™ to promote and sell Wealtheo™ products to retail customer or other Affiliates to earn commissions.

Agreement – The contract between the Company and each Affiliate includes the Affiliate Application and Agreement Terms and Conditions and the Wealtheo™ Policies and Procedures, all in their current form and as amended by Wealtheo™ in its sole discretion. These documents are collectively referred to as the “Agreement.”

Cancel — The termination of a Consultant’s business. Termination may be either voluntary, involuntary, through non-renewal or inactivity.

Consultant — A Consultant is no longer applicable. All Consultants are now incorporated into Affiliates.

Immediate Household — Spouses, heads-of-household, and dependent family members residing in the same residence.

Official Wealtheo™ Material — Literature, audio or video tapes, websites, and other materials developed, printed, published and/or distributed by Wealtheo™.

Personal Volume — The commissionable value of services and products purchased by: (1) a personally enrolled Affiliates and (2) personal Retail Customers who purchase from the Affiliate’s Wealtheo™ replicated website.

Replicated Website – A website provided by Wealtheo™ to Affiliates which utilizes website templates developed by Wealtheo™.

Retail Customer – An individual who or entity that purchases Wealtheo™ products or services from or through an Affiliate, but who is not an Affiliate or an immediate household family member of an Affiliate.

Retail Sales – Sales to a Retail Customer.

Social Media – Any type of online media that invites, expedites or permits conversation, comment, rating, and/or user generated content, as opposed to traditional media, which delivers content but does not allow readers/viewers/listeners to participate in the creation or development of content, or the comment or response to content. Examples of Social Media include, but are not limited to, blogs, chat rooms, Facebook, MySpace, Twitter, LinkedIn, Delicious, Instagram, TikTok, Snapchat, and YouTube.

Notice: Wealtheo is not a debt relief or credit counseling agency. The information in our online courses is for educational purposes only. You should not construe any such information or other material as legal, tax, investment, financial, debt, or other advice. All content on this site is information of a general nature and does not address the unique circumstances of any particular individual.



Wealtheo, LLC (referred to herein as “Wealtheo”, “our”, “us” or “we”) is committed to respecting the privacy rights of those visiting our websites, including our Consultants’ Replicated Websites, mobile websites, mobile applications, and any other digital services and platforms officially operated or used by Wealtheo (hereafter collectively referred to as the “Website” or “Websites”). Any personal information, such as your name, address, email address or phone number that you provide is extremely important to us. To earn your trust, we respect your privacy in handling Personal Information relating to you and your transactions with us, whether made through wealtheo.com or one of our related Websites. Wealtheo created this Privacy Policy to give you confidence as you visit and use the Websites, and to demonstrate its commitment to fair information practices and to the protection of privacy.

This Privacy Policy describes the Personal Information we gather about you, what we do with it, the safeguards we have in place to protect it, and how you can control our use of it. By visiting or using the Websites, you agree, without limitation or qualification, to be bound by this Privacy Policy, and you are accepting the practices described in this Privacy Policy. When you provide Personal Information to our Websites, you are consenting to the manner in which Wealtheo will collect, use, disclose, and otherwise manage your Personal Information, as set out below.

This Privacy Policy is only applicable to the Websites and not to any Third-Party websites, which may have data collection, storage and use practices and policies that differ materially from this Privacy Policy. For additional information, see the Section V(A) concerning Links to Third-Party Websites, below.

Each time you use the Website, the then-current version of this Privacy Policy will apply. Accordingly, each time you use the Website you should check the date of this Privacy Policy (which appears at the end) and review any changes since the last time you visited the Website. For additional information, see the section concerning Updates and Changes to Privacy Policy, below.


A. Children’s Privacy. Wealtheo is committed to the safety of our children. The Websites are not intended or designed to attract users under the age of 18. Persons under the age of 18 may not enroll as Wealtheo Consultants or Affiliates, or register as Customers. Children under the age of 13 may not purchase products through any of our Websites. Wealtheo does not solicit or knowingly collect personally identifiable information from children under the age of 13. If Wealtheo obtains actual knowledge that it has collected personally identifiable information from a child under the age of 13, Wealtheo will immediately delete such information from its database. Because Wealtheo does not collect personally identifiable information from children under the age of 13, Wealtheo has no such information to use or disclose to third parties. Wealtheo has designed this Privacy Policy in order to comply with the Children’s Online Privacy Protection Act.

B. Users Outside of the United States. The Websites are intended for users from the United States and those not governed by privacy policies of other countries. Users from the European Union are advised not to disclose Personal Information to Wealtheo. Information sent to us will be housed on servers located in the state of Texas, in the United States. Do not send us information unless you consent to the application of U.S. law and to the use and disclosure of your information consistent with this Privacy Policy.

Wealtheo is the sole owner of the Website, including Replicated Websites. We collect information from Independent Consultants (“Consultants”), Affiliates, Customers and visitors to the websites at different points on the websites.

Traffic Data. Like most website operators, Wealtheo automatically gathers information of the sort that browsers automatically make available, including: (i) IP addresses; (ii) domain servers; (iii) types of devices accessing the Website; and (iv) types of Web browsers accessing the Website (collectively “Traffic Data”). Traffic Data is anonymous information that does not personally identify you.
Cookies. A “Cookie” is a string of information that a website stores on a user’s computer, and that the user’s browser provides to the website each time the user submits a query to the website. The purpose of a Cookie is to identify the user as a unique user of the Website. Wealtheo uses Cookies to customize your experience on the Website to your interests, to ensure that you do not see the same informational messages repeatedly, and to store your username so you do not have to re-enter it each time you visit the Website. For additional information on Wealtheo’s uses of Cookies, see the section concerning Information Use and Disclosure Practices/Traffic Data and Information Gathered Using Cookies, below. IF YOU DO NOT WISH TO HAVE COOKIES PLACED ON YOUR COMPUTER, YOU SHOULD SET YOUR BROWSERS TO REFUSE COOKIES BEFORE ACCESSING THE WEBSITE, WITH THE UNDERSTANDING THAT CERTAIN OF THE SERVICES AND CERTAIN FEATURES OF THE WEBSITE MAY NOT FUNCTION PROPERLY WITHOUT THE AID OF COOKIES. IF YOU REFUSE COOKIES, YOU ASSUME ALL RESPONSIBILITY FOR ANY RESULTING LOSS OF FUNCTIONALITY.
We use JavaScript to record your usage behavior on our website in order to adapt our web services to the needs of our users. In doing so, we determine your browser type, location, time, and duration of your use, URL, page name, and the website that referred you to our page. You can stop us from recording this data by disabling JavaScript directly in your browser.

We also use the following tools:

❖ Google Analytics – This is a web analytics tool by Google Inc., 1600 Amphitheatre Parkway Mountain View, California 94043, United States, hereinafter referred to as “Google”, to record your online activities on our site and to determine how many users are visiting us, what contents of our page are viewed, and how many times. The evaluation is done anonymously. Google Analytics cookies, including the Google Analytics tool “anonymous IP address” and usage data, are usually transmitted to a Google server in the United States and stored there. For further information, please refer to https://support.google.com/analytics/answer/6004245?hl=en. At https://tools.google.com/dlpage/gaoptout?hl=en.%20 Google Analytics offers the option to opt out of data collection.

❖ Matomo Open Analytics Platform – This allows us to record your online activities on our site and determine how many users visit us on the Internet, which content of our site is viewed, and how often. The evaluation is done anonymously. The cookies are stored on your computer. For additional information, please refer to https://matomo.org/faq/.

❖ Google AdWords – This is used to record website visits for advertising purposes (remarketing) in Google and in the Display Network. When you visit a website, your browser saves cookies that allow you to be recognized as a visitor when you visit websites that belong to Google’s advertising network. On these pages, ads that relate to content that you previously viewed on other websites that use Google’s remarketing function can be presented to you as a visitor. You can opt out of data collection by Google AdWords on the website http://www.google.com/settings/ads

❖ Google AdWords conversion tracking – We use this to generate conversion statistics that measure the effectiveness of our online advertising campaigns. The conversion tracking cookie is set when a user clicks on an ad placed by Google. According to Google’s privacy policy, no personal information is processed. If you do not wish to participate in tracking, you can opt out of this usage by disabling the Google conversion tracking cookie in the usage settings of your Internet browser.

❖ Salesforce Marketing Cloud – We use this to record your behavior on our website to optimize our product offering. It helps us determine how many users visit us in the Internet, which content of our site is viewed, and how often. The evaluation is done anonymously and is used automatically by predictive intelligence to improve the presentation of our product offering. For registered members, the user-related behavior on the website is recorded to improve the user experience and is used to display the relevant content. Salesforce cookies are usually delivered to a Salesforce server in the United States and stored there.

❖ Hotjar – We collect non-personal information, including standard internet log information and details of your behavioral patterns when you visit our website. This is done to enable to provide you with a better user experience, to identify preferences, to diagnose technical problems, to analyze trends and to improve our website. The following information may be collected related to your device and browser: device’s IP address (captured and stored in an anonymized form), device screen resolution, device type (unique device identifiers), operating system, and browser type, geographic location (country only), preferred language used to display our website. The following information is collected related to your user interaction: mouse events (movements, location and clicks), keypresses. For a sampling of visitors, Hotjar also records information which is collected from our website: referring URL and domain, pages visited, geographic location (country only), preferred language used to display our website, date and time when the website pages were accessed. By visiting the opt-out page https://www.hotjar.com/opt-out and clicking on “Disable Hotjar” you can at any time refuse to collect your data from Hotjar when you visit our website. You may opt-out from having Hotjar collect your information when visiting our website at any time by visiting the Opt-out page https://www.hotjar.com/opt-out and clicking “Disable Hotjar”.

❖ Facebook Pixel — With your consent, we use the “Facebook Pixel” by Facebook Inc., 1601 South California Avenue, Palo Alto, California 94304, United States (“Facebook”) on our website. This is a cookie (i.e., a small text file that is stored on your computer and can be accessed again later). With its help, actions of users can be tracked after they have seen or clicked on a Facebook ad. This allows us to track the effectiveness of Facebook ads for statistical and market research purposes. The data collected in this way is anonymous to us, in other words, it does not provide any information on the identity of the users. However, the data is stored and processed by Facebook, so that a connection to the respective user profile is possible and Facebook can use the data for its own advertising purposes, according to the Facebook Data Policy (https://www.facebook.com/about/privacy/). You can allow Facebook and its partners to display ads on and off Facebook. A cookie may also be stored on your computer for these purposes. By using the website, you agree to the use of the visitor action pixel.

Personal Information. Through your use of or visits to our Websites, you may be required or requested to provide personally identifiable information (hereafter “Personal Information”) to us. Personal Information is any piece of information which can potentially be used to uniquely identify, contact, or locate a single person. Such information includes, without limitation: (1) “Contact Data” (such as your name, membership number, title, gender, date of birth, mailing address, address coordinates (longitude and latitude), phone number(s), fax number, and e-mail address); (2) “Demographic Data” (such as your age, gender, profession, education level, relationship status, religious affiliation, country, state, city and likes and dislikes,); (3) “Financial Data” (such as your credit/debit card number and expiration date); and (4) “Shopping Preferences” (such as items purchased, purchase date, place of purchase, time of purchase, purchase amount, currency and shopping cart). For certain transactions, we may be required to collect information to comply with legal requirements. In each case, you will be asked to provide Personal Information; the Website will not gather it surreptitiously. Wealtheo may supplement the Personal Information you provide with additional personal information gathered from public sources or from third-parties (e.g., consumer reporting agencies) who may lawfully provide such information to Wealtheo. You are under no obligation to provide Personal Information, with the caveat that your refusal to do so may prevent you from using certain of the features and services available on the Website or from purchasing any of our products.
Non-Personal Information. “Non-Personal Information” is anonymous information is that information we collect that is not traceable to any individual person or computer. We utilize this data to analyze trends and understand customer needs while shopping and interacting on our Website so that we can provide a better user experience. For example, we may use cookies, web beacons, log files and other technologies to collect information about visitors to our Website, and interactions with our online advertisements and offerings.
Device Information. Depending on the permissions you have granted and other factors, we may receive information about your location and your mobile device when you download from our Websites, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, certain player search results, and other personalized content. Examples of the device information we collect include:
❖ Attributes such as the operating system, hardware version, device settings, file and software names and types, battery and signal strength, and device identifiers.

❖ Device locations, including specific geographic locations, such as through GPS, Bluetooth, or WiFi signals.

❖ Connection information such as the name of your mobile operator or ISP, browser type, language and time zone, mobile phone number and IP address.

Most mobile devices allow you to turn off location services, and we encourage you to contact your device manufacturer for detailed instructions on how to do that.

Consultant, Affiliate, and Customer Registration. In order to become a Consultant or Affiliate, an applicant must provide Personal Information to us. We also may require an applicant’s Social Security Number so that we may prepare and file necessary non-employee compensation forms for the IRS. Certain customers may be required to register in order to sell or promote products directly from us (“Affiliate” or “Affiliate Customers,” both of which are collectively referred to herein as “Affiliates”). Affiliates will be required to provide Personal Information. We use this information to maintain contact with Consultants and Affiliates, and to process Consultant, Affiliate and customer orders.
Product or Service Purchases. When a retail customer, Affiliate, or Consultant purchases products or services from us through any of our Websites, the purchaser must provide us with Personal Information. This information is used for billing and payment purposes and to fill orders.
Information that you make Public. The Website may contain features (e.g. public profiles, forums, and message boards) that permit you to upload, post, transmit, display, perform or distribute content, information or other material, including some of your Personal Information. Any information that you choose to disclose by means of such features becomes public information over which Wealtheo is unable to exercise control. You should exercise caution when deciding to disclose your Personal Information by means of such features, and you agree to assume all responsibility for doing so.
Traffic Data and Information Gathered Using Cookies. We use “cookies” to recognize you as you use or return to our Websites. This is done so that we can provide a continuous and more personalized shopping experience for you. A cookie is a small text file that a website or email may save to your browser and store on your hard drive. Most cookies are “session cookies,” meaning that they are automatically deleted from your hard drive once you sign out from wealtheo.com or close your web browser. We use cookies to provide features and services, such as:
❖ allowing you to enter your password less frequently;

❖ remembering your preferences;

❖ presenting information that is targeted to your interests;

❖ measuring the effectiveness of our Websites, services, content, and advertising; and

❖ providing other services and features that are available only through the use of cookies.

Wealtheo analyzes Traffic Data and information gathered using Cookies to help Wealtheo better understand who is using the Website and how they are using it. By identifying patterns and trends in usage, Wealtheo is able to better design the Website to improve your experience, and to serve you more relevant and interesting content. From time to time, Wealtheo may release Traffic Data and information gathered using Cookies in the aggregate, such as by publishing a report on trends in the usage of the Website. Wealtheo does not attempt to link information gathered using Cookies to Personal Information.

Web Beacons. We may also use web beacons. A “web beacon” is an electronic image placed in the code of a web page. Beacons allow us to know if a certain page was visited, an email was opened, or if ad banners on our Website and other sites were effective. We use web beacons to monitor the traffic patterns of users from one page to another and to improve site performance.
Personal Information. Personal Information that is collected from retail customers, Affiliates, and Consultants through Consultant and Affiliate Registration, Product or Services Purchases and/or Surveys is used and disclosed as described in this Privacy Policy. Wealtheo may share aggregated information from time to time with its partners, vendors or other third parties.
Disclosure Practices. Except under the following circumstances and otherwise as set forth in this Privacy Policy, Wealtheo will keep your Personal Information private and will not sell it to or share it with third parties.
Disclosure in Connection with Services. Some of our operations, such as our electronic commerce, may be managed by Service Providers who are unaffiliated companies. These companies may share Personal Information with their affiliates and service providers whom they engage to perform services related to our Websites or the operation of our business. Examples of these services include payment processing and authorization, fraud protection and credit risk reduction, product customization, order fulfillment and shipping, marketing and promotional material distribution, Website hosting and evaluation, data storage, analysis, or security and, where applicable, data cleansing. These companies may have access to your Personal Information on a confidential basis only to the extent necessary to perform their functions. In no event will we authorize these companies to use your Personal Information for any reason other than to provide you with those specific services. If your purchases are being shipped to you, your shipping information will be shared with our delivery service providers (U.S. Postal Service, UPS, FedEx, or other delivery companies we or you select). Our delivery service providers are asked not to use your Personal Information for any purpose other than making the delivery.
Sharing. The Website contains “Share” buttons for the social networks Twitter LLC, 795 Folsom Street, Suite 600, San Francisco, California 94107, United States; XING, which is operated by XING AG, Dammtorstrasse 30, 20354 Hamburg, Germany; LinkedIn Corporation, 2029 Stierlin Court, Mountain View, California 94043, United States; Facebook, 1601 South California Avenue, Palo Alto, California 94304, United States; YouTube, LLC. 901 Cherry Avenue, San Bruno, California 94066, United States; Pinterest, 808 Brannan St. San Francisco, California 94103, United States; and GooglePlus of the social network Google LLC, 1600 Amphitheatre Parkway, Mountain View, California 94043, United States. In addition, there is also a “Share” button for e-mail. The “Share” buttons can be recognized by their respective logos. All “Share” buttons are set up in compliance with data protection requirements. A direct connection between your browser and the server of the operator of the respective social network is established only when you click on the respective “Share” button on this Website (and only then). According to the operators of the social networks mentioned, no personal data is collected by the social networks without a click on the respective “Share” button. Only data of logged-in Consultants and Affiliates, including the IP address, is collected and processed. If you do not wish to associate your visit to our Website with your user account of the respective social network, please log out of the user account of that social network. We do not receive any information regarding the content of the data transmitted and its use by the social networks. For more information about the use of data by the social media networks, please refer to the privacy policies of the social networks mentioned.
By Law or to Protect Rights. Wealtheo discloses Personal Information when required to do so by law, or in response to a subpoena or court order, or when Wealtheo believes in its sole discretion that disclosure is reasonably necessary to protect the property or rights of Wealtheo, third parties, or the public at large.
Legally Required Law Enforcement, Judicial and Administrative Agency Disclosures. Wealtheo will provide confidential and personally identifiable information as necessary to comply with judicial and administrative orders, subpoenas, Civil or Criminal Investigative Demands, Administrative and Regulatory Demands and other legal obligations. In order for Wealtheo to conduct business in certain jurisdictions, Wealtheo must disclose certain personally identifiable and confidential information to regulatory authorities in such jurisdictions. Such information may include, but is not limited to, income information and personally identifiable information.
Business Transfers or Bankruptcy. Wealtheo reserves the right, in its sole discretion, to transfer all Personal Information in its possession to a successor organization in the event of a merger, acquisition, or bankruptcy or other sale of all or a portion of Wealtheo’s assets. Other than to the extent ordered by a bankruptcy or other court, the use and disclosure of all transferred Personal Information will be subject to this Privacy Policy, or to a new privacy policy if you are given notice of that new privacy policy and an opportunity to affirmatively opt-out of it. Personal Information submitted or collected after a transfer, however, may be subject to a new privacy policy adopted by Wealtheo’s successor organization.
Unpaid Accounts. If you fail to pay any balance owed in consideration of Services, Wealtheo may, as permitted by law, report your Personal Information, including without limitation your unpaid balance, to consumer credit reporting services, collection agencies and others.
Invite a Friend. When you invite family or friends to join the Wealtheo network or to attend a Wealtheo home party, Wealtheo will send an email on your behalf to the indicated recipient. Your name and email address will appear in the “From” line of such email.
Lead Assignment and Consultant Locator Features. Wealtheo occasionally will assign prospective sales and new Consultant leads to Consultants. In these cases, we will provide the lead with the appropriate Consultant’s name and contact information and/or provide a Consultant with the prospective lead’s name and contact information. In addition, Wealtheo has a Consultant Locator feature on its Website. Pursuant to this feature, a prospective customer or new Consultant can locate a nearby Wealtheo Consultant. In order to make the Consultant Locator feature and the lead assignments effective, the company will provide the prospective customer or new Consultant with the Consultant’s name and contact information, which may include his/her telephone number, address, and/or email address.
To help Consultants in Wealtheo’s network marketing program manage their independent businesses, we provide your Wealtheo sponsor and other upline Wealtheo Consultants with your name, rank, address, telephone number, and email address as well as data relating to your sales and recruitment activity through the Back-Office to the Website. We also provide downline Consultants with the names, rank, address, telephone number, and email address of their sponsor and certain specified upline Consultants.
Special Offers and Updates. By enrolling as a Consultant or Affiliate, registering as Customer, or making a purchase or other inquiry through the Website, you consent to receive periodic email and other communications from us and from Wealtheo Consultants. For example, Wealtheo sends all new Consultants, Affiliates and Customers a welcoming email to verify password, username, and acceptance of the Consultant Agreement or Affiliate Agreement. All Consultants and Affiliates will occasionally receive information on products, services, special deals, and a newsletter. Customers who have not registered with Wealtheo and who grant permission will also receive occasional information on products, services, special deals, and the like.

Service Announcements. On rare occasions it is necessary to send out a strictly service related announcement. For instance, if our service is temporarily suspended for maintenance we might send Consultants and/or Affiliates an email. Generally, Consultants may not opt-out of these communications, though they can deactivate their account. However, these communications are not promotional in nature.

Consultant and Affiliate Service. Wealtheo communicates with Consultants and Affiliates via email, regular mail and telephone on a regular basis to provide requested services and in regards to issues relating to their Wealtheo business. Wealtheo communicates with other Customers with respect to products or services purchased by such Customers from Wealtheo. Such communications may be by email, regular mail, or telephone.

Privacy Preferences/Opt-Out. We now offer an on-line preference page located within the My Account section on www.wealtheo.com where you can register and change your preferences to receive or not receive marketing materials. You may also update what product/lifestyle preferences you prefer, which may determine what offers and promotional materials you may receive. You may update these preferences at any time, but you must first register by creating an account before you can update any of your preferences. Please allow sufficient time for your preferences to be processed. You may also change your marketing preferences or remove yourself from our mailing list by clicking on an “unsubscribe” hyperlink contained in promotional emails we send you or by contacting us at: Wealtheo, Attn: Privacy Manager, 1836 Spirit of Texas Way, Suite 200, Conroe, Texas 77301, or by e-mailing us at [email protected].


Links. Wealtheo’s Websites may contain links to other sites. Please be aware that Wealtheo is not responsible for the privacy practices of such other sites. We encourage users to be aware when they leave our site and to read the privacy statements of each and every website that collects Personal Information. This privacy statement applies solely to information collected by Wealtheo Websites.

Text Messaging. If you so elect, you may provide your mobile phone number to Wealtheo. By submitting your mobile phone number, you consent to receive text message alerts from Wealtheo containing product and event information, product tips or promotions that may be sent using automated dialing systems (“Text Messages”). Your consent to receive Text Messages is not otherwise required to purchase any goods or services from us. You may not consent to receive Text Messages on behalf of someone else or provide someone else’s phone number. You agree to enter into, sign and receive your consent to receive Text Messages electronically.

You may receive approximately NUMBER recurring texts per month. We do not charge a fee for you to receive Text Messages from us, however, your mobile service provider may charge you for sending and/or receiving text messages and air-time, as well as any other standard applicable rates charged by your mobile service provider. Participating Carriers are:

ACS Wireless Cox Wireless Pocket Wireless
Alltel Cricket Communications Revol Wireless
All West Communications Element Mobile Silver Star PCS
Appalachian Wireless Farmers Mutual Telephone Co. Simmetry Wireless
AT&T GCI Wireless Snake River PCS
Bluegrass Wireless Golden State Cellular South Central Communications
Boost Illinois Valley Cellular Sprint
Boost Unlimited Immix Sprocket Wireless
Breakaway Wireless Inland Cellular Strata Networks
Carolina West Wireless iWireless Syringa Wireless
Cambridge Telephone Company (CTC) Metro PCS Thumb Cellular
Cellcom Midwest Wireless T-Mobile
Cellular South Nex-Tech Wireless United Wireless
Cellular One of East Central Illinois Nextel Union Wireless
Cellular One of Montana Northwest Missouri Cellular U.S. Cellular
Cellular One of NEPA nTelos Verizon Wireless
Centennial Wireless Nucla-Naturita Telephone Co. Viaero Wireless
Chat Mobility Panhandle Telecommunications Virgin Mobile US
Cellular 29 Pioneer Cellular West Central Wireless
Cincinnati Bell Plateau Wireless
Text Messages are distributed via third party mobile network providers and, therefore, we cannot control certain factors relating to message delivery or guarantee availability or performance of this service, including liability for transmission delays or message failures. To receive help with Text Messages, you can either text the word “Help” to ##### or email [email protected].

You may unsubscribe from receiving Wealtheo Text Messages any time by texting the word “STOP” to ##### from your device. You may also choose not to receive Text Messages by emailing [email protected] and specifying that this is your preference.

We may also obtain the date, time and content of your messages in the course of your use of Text Messages. We will use the information we obtain in connection with our Text Messages in accordance with this Privacy Policy.

From time to time you may be asked to provide your mobile phone number to Wealtheo in connection with specific text messaging programs, which is in addition to the general Wealtheo marketing text messaging program. That text messaging program may have additional or different terms and conditions from those set forth above, which will be presented you at the time that you opt-in to receive those text messages. In general, in order to stop receiving text messages from a specific Wealtheo text messaging program, you can text STOP to the five digit short code for the text messaging program from which you no longer wish to receive message (i.e., the five digit number from which its text messages are being sent). You will then receive confirmation of your opt-out of that text messaging program. This will only opt you out of the specific text messaging program associated with that five digit short code. You will remain opted in to any other Wealtheo text messaging programs that you have signed up for.

Security of Personal Information. We maintain administrative, technical and physical safeguards to protect against unauthorized access, use, modification and disclosure of Personal Information in our custody and control. We also are committed to employing reasonable technology in order to protect the security of our Websites. However, even with the best technology, no website is 100% secure. We will take reasonable measures which we believe are appropriate, in our sole discretion, to protect your Personal Information from loss, misuse, alteration or destruction, and, where possible, will ask that any third parties to whom we may transfer such information to take comparable steps to protect that security.

Secure Shopping. When you place orders on our Websites, all of your order information, including your card number and delivery address, is transmitted through the Internet using Secure Sockets Layer (SSL) technology. SSL technology causes your browser to encrypt your order information before transmitting it to our secure server. SSL technology, an industry standard, is designed to prevent someone other than operators of our Websites from capturing and viewing your Personal Information. Since any order information you provide to us on our Websites will be transmitted using a secure connection, if your Web browser cannot support this level of security, you will not be able to order products through our Websites. The most recent versions of Google Chrome, Netscape Navigator, Apple Safari, and Microsoft Internet Explorer can support a secure connection and can be downloaded for free from the Google, Netscape, Apple, or Microsoft website respectively.

Passwords. To provide you with an increased level of security, online access to your Personal Information is protected with a password you select. We strongly recommend that you do not disclose your password to anyone. Wealtheo will never ask you for your password in any unsolicited communication (including unsolicited correspondence such as letters, phone calls or e-mail messages).

Lost or Stolen Information. You must promptly notify us if your credit, banking, other financial information, user name or password is lost, stolen or used without permission. In such an event, we will remove that credit card number, bank account information, other financial institution information, user name or password from your account.

Promotional Activities. From time to time, Wealtheo may conduct contests, giveaways and other promotions (collectively, “Promotional Activities”). Any information submitted in connection with Promotional Activities will be treated in accordance with this Privacy Policy. From time to time, Wealtheo may also ask you to participate in surveys designed to help Wealtheo improve the Websites, its products, services, or the Wealtheo network marketing program. Any Personal Information provided to Wealtheo in connection with any survey will be used only in relation to that survey, and will be disclosed to third parties not bound by this Privacy Policy only in aggregated form.

Changes to this Privacy Policy. Wealtheo reserves the right to amend or change this Privacy Policy at any time at its sole discretion. It is your responsibility to periodically access this Privacy Policy by clicking on the Privacy Policy link at our home page. You can determine the date this Privacy Policy was last updated by referring to the effective date found at the end of the policy. When material changes or amendments are made to the Privacy Policy, we will announce the same at our home page for a period of thirty (30) days following implementation of the amended Privacy Policy.

Making Changes to Your Personal Information. Consultants, Affiliates and Customers may update their personal information as necessary by logging into their Wealtheo online Back Offices or Customer Accounts, which allows them to access and edit their registration account information. In addition, Consultants and Affiliates may contact us at [email protected] to update their profiles.

Information Sharing Disclosure Requests. If you are a California resident, you have the right to request one Notice of Information-Sharing Disclosure per year which will identify the third parties with whom Wealtheo or any of our affiliates has shared the Personal Information we have collected from you. You may request the Notice of Information-Sharing Disclosure by writing to us at. Wealtheo, Attn: Privacy Manager, 1836 Spirit of Texas Way, Suite 200, Conroe, Texas 77301, or by e-mailing us at [email protected]. We will respond to your request for a Notice of Information-Sharing Disclosure within thirty (30) days.

Questions. Questions regarding this Privacy Policy should be directed to [email protected], or by mail to Wealtheo, 1836 Spirit of Texas Way, Suite 200, Conroe, Texas 77301.

Effective Date. The effective date of this Privacy Policy is August 1, 2020.
Notice: Wealtheo is not a debt relief or credit counseling agency. The information in our online courses is for educational purposes only. You should not construe any such information or other material as legal, tax, investment, financial, debt, or other advice. All content on this site is information of a general nature and does not address the unique circumstances of any particular individual.

    1. Authorization and Contract. By executing this WEALTHEO™ Consultant & Affiliate Agreement (“Agreement”), you apply for legal authorization to become a WEALTHEO™ business owner or affiliate and enter into contract with Wealtheo, Inc., hereinafter “Wealtheo” You acknowledge that prior to signing you have received, read and understood the WEALTHEO Income Disclosure Statement, that you have read and understood the WEALTHEO Policies and Procedures, which are incorporated into this Agreement and made part of it as if restated in full, as posted on WEALTHEO, and that you have read and agree to all terms set forth in this Agreement. In the event of a conflict between these Terms and Conditions and the Policies and Procedures, the latest published Policies and Procedures will control. WEALTHEO reserves the right to reject any application for any reason within ten (10) days of receipt. If you do not agree to the Policies and Procedures, your sole recourse is to notify WEALTHEO and cancel the Agreement.  Failure to cancel constitutes your acceptance of the Policies and Procedures. You understand that you must be in good standing, and not in violation of this Agreement, to be eligible for bonuses or commissions from WEALTHEO. You understand that the Agreement may be modified or amended at the sole and absolute discretion of WEALTHEO, and you agree to abide by all such changes.  Notification of changes shall be posted on WEALTHEO’s website OR in your WEALTHEO Dashboard. Changes shall become effective thirty (30) days after publication. Any amendment to the Agreement, or to the dispute resolution provisions herein, shall not apply to: (1) a dispute arising prior to the effective date of such amendment; or (2) a Consultant or Affiliate who declines to accept such amendment by discontinuing his or her WEALTHEO business and status as a Consultant or Affiliate following the Effective Date of any such amendment.  The continuation of a Consultant’s or Affiliate’s WEALTHEO business or a Consultant’s or Affiliate’s acceptance of bonuses or commissions after the effective date of any amendments shall constitute acceptance of any and all amendments. 

    1. Consultant Terms. You understand that as a WEALTHEO Consultant, (i) you have the right to offer for sale WEALTHEO products and services in accordance with these Terms and Conditions, (ii) you have the right to enroll persons into WEALTHEO, and (iii) if qualified, you have the right to earn commissions pursuant to the WEALTHEO Compensation Plan. 

    2. Affiliate Terms. You understand that as a WEALTHEO Affiliate, (i) you have the right to offer for sale WEALTHEO products and services in accordance with these Terms and Conditions and (ii) you have the right to earn commissions from your personal retail sales. 

    3. Expiration, Renewal, and Termination. The term of this Agreement is one (1) year (subject to prior cancellation or disqualification pursuant to the Policies and Procedures). If you fail to renew your WEALTHEO business, or if it is canceled or terminated for any reason, you understand that you will permanently lose all rights as a Consultant or Affiliate, lose the ability to sell WEALTHEO products and services, lose the eligibility to receive commissions, royalties, bonuses, or other income resulting from the activities of your former downline sales organization. In the event of cancellation, termination or nonrenewal, you waive all rights you have, including but not limited to property rights, to your former downline organization and to any bonuses, commissions or other remuneration derived through the sales and other activities of your former downline organization. WEALTHEO reserves the right to terminate all Consultant and Affiliate Agreements upon thirty (30) days’ notice if WEALTHEO elects to: (1) cease the operation of its business; (2) dissolve as a business entity; or (3) terminate distribution of its products and/or services through direct selling channels. Consultant or Affiliate may cancel this Agreement at any time, and for any reason, upon written notice to WEALTHEO at its principal business address. WEALTHEO shall have the right in its sole and absolute discretion not to accept this Agreement or any renewal of it. If the Consultant or Affiliate breaches any of its provisions, WEALTHEO may also take actions short of termination of this Agreement.  

    4. Independent Contractor Status. You agree this authorization does not make you an employee, agent, or legal representative of WEALTHEO or your Sponsoring Consultant. As a self-employed independent contractor, you will operate your own independent business, selling products available through WEALTHEO on your own account. You have complete freedom in determining the number of hours that you will devote to your business, and you have the sole discretion of scheduling such hours. You will receive IRS Form 1099-MISC reflecting the amount of income paid to you during the calendar year. By agreeing to these terms, you agree to receive the 1099-MISC form via electronically. It will be your sole responsibility to account for such income on your individual income tax returns. You agree that you will be solely responsible for paying all expenses incurred by you, including but not limited to travel, food, lodging, secretarial, office, long distance telephone and other expenses.  WEALTHEO is not responsible for withholding, and shall not withhold or deduct from your bonuses and commissions, if any, FICA, or taxes of any kind, unless such withholding becomes legally required.   

    5. Product Returns. You agree that if you sell product directly to a customer, you will adhere to WEALTHEO’s customer satisfaction guarantee policy and shall provide customer a refund of all monies paid if the customer returns the product un-accessed within three (3) days of the sales transaction (as defined in the  Policies and Procedures). Any taxes incurred will not be refunded.  

    6. Presenting the Plan. You agree when presenting the WEALTHEO Compensation Plan to present it in its entirety as outlined in official WEALTHEO materials, emphasizing that sales to end consumers are required to receive compensation in the form of bonuses on downline volume. In presenting the plan to prospects, you agree not to utilize any literature, materials or aids not produced or specifically authorized in writing by WEALTHEO. You agree to instruct all prospective Consultants to review the WEALTHEO Income Disclosure Statement. 

    7. Selling Product. You agree to make no representations or claims about any products beyond those shown on product labels and/or in official WEALTHEO literature. You further agree to sell products available through WEALTHEO only in authorized territories.  

    8. Personal Consumption. You are strictly prohibited from being your own customer. You cannot use your replicated url to make purchases and receive commissions on your purchases. You are further prohibited from creating more than 1 user login experience under your ownership, your name, and/or your email. You agree that any violation of this section shall, at WEALTHEO’s sole discretion, immediately terminate this Agreement. 

    9. Commissions. You understand and agree that all bonus pools are a temporary incentive and not considered a part of the WEALTHEO Compensation Plan and may be modified or discontinued at any time without notice from WEALTHEO. Furthermore, if at any time the WEALTHEO Compensation Plan total payout exceeds the bonus caps or WEALTHEO’s internal Consultant compensation projections modeling, you agree that WEALTHEO, in its sole discretion, may restrict the commission and bonus payouts to you during that month, however any modification will apply to all Consultants. 

    10. WEALTHEO’s Proprietary Information and Trade Secrets. You recognize and agree that, as further set forth in the  Policies and Procedures, information compiled by or maintained by WEALTHEO, including Line of Sponsorship (“LOS”) information (i.e., information that discloses or relates to all or part of the specific arrangement of sponsorship within the WEALTHEO business including, without limitation, Consultant lists, sponsorship trees, and all WEALTHEO Consultant information generated therefrom, in its present or future forms), constitutes a commercially advantageous, unique and proprietary trade secret of WEALTHEO, which it keeps as proprietary and confidential and treats as a trade secret. During the term of your contract with WEALTHEO, WEALTHEO grants you a personal, non-exclusive, non-transferable and revocable right to use trade secret, confidential, and proprietary business information (“Proprietary Information”), which includes, without limitation, LOS information, business reports, manufacturing and product developments, and Consultant sales, earnings and other financial reports to facilitate your business. 

    11. Discipline and Termination.  You understand that if you fail to comply with the terms of the Agreement, WEALTHEO may, at its discretion, impose upon you disciplinary sanctions as set forth in the Policies and Procedures.  If you are in breach, default or violation of the Agreement at termination, you shall not be entitled to receive any further bonuses or commissions, whether or not the sales for such bonuses or commissions have been completed.  You agree that Wealtheo may deduct, withhold, set-off, claw back, or charge to any form of payment you have previously authorized, any amounts you owe or are indebted to WEALTHEO

    12. Liability. WEALTHEO, its parent or affiliated companies, directors, officers, shareholders, employees, assigns, Consultants, independent contractors, and agents (collectively referred to as “affiliates”), shall not be liable for, and you release and hold harmless WEALTHEO and its affiliates from, all claims for consequential and exemplary damages for any claim or cause of action relating to the Agreement.  You further agree to release and hold harmless WEALTHEO and its affiliates from all liability arising from or relating to the promotion or operation of your WEALTHEO business and any activities related to it (e.g., the presentation of WEALTHEO products or Compensation and Marketing Plan, the operation of a motor vehicle, the lease of meeting or training facilities, etc.), and agree to indemnify WEALTHEO for any liability, damages, fines, penalties, or other awards arising from any unauthorized conduct that you undertake in operating your business. 

    13. Non-Competition Agreement. In accordance with the Policies and Procedures, you agree that during the period while you are a Consultant or Affiliate, and for six (6) months following resignation, non-renewal, or termination of your business, you will not compete with WEALTHEO. This covenant shall survive the expiration or termination of your authorization and contract with WEALTHEO. 

    14. Non-Solicitation Agreement. In accordance with the Policies and Procedures, you agree that during the period while you are a Consultant or Affiliate, and for one (1) calendar year following resignation, non-renewal, or termination of your business, you will not encourage, solicit, or otherwise attempt to recruit or persuade any other WEALTHEO Consultant to compete with the business of WEALTHEO. 

    15. Assignment. You may not assign any rights under the Agreement without the prior written consent of WEALTHEO.  Any attempt to transfer or assign the Agreement without the express written consent of WEALTHEO renders the Agreement voidable at the option of WEALTHEO and may result in termination of your business. 

    16. Images / Recordings / Consents. You agree to permit WEALTHEO to obtain photographs, videos, and other recorded media of you or your likeness. You acknowledge and agree to allow any such recorded media to be used by WEALTHEO for any lawful purpose, without compensation, and waive all claims for remuneration for such use. 

    17. Modification of Terms. With the exception of the dispute resolution section in the Policies and Procedures, which can only be modified by way of mutual consent, the terms of this Agreement may be modified as specified in the Policies and Procedures. The Agreement, in its current form and as amended by WEALTHEO at its discretion, constitutes the entire contract between WEALTHEO and you.  Any promises, representations, offers, or other communications not expressly set forth in the Agreement are of no force or effect. Any waiver by WEALTHEO of any breach of the Agreement must be in writing and signed by an authorized officer of WEALTHEO.  Waiver by WEALTHEO of any breach of the Agreement by me shall not operate or be construed as a waiver of any subsequent breach. 

    18. Jurisdiction and Governing Law. The formation, construction, interpretation, and enforceability of your contract with WEALTHEO as set forth in this Consultant & Affiliate Agreement and any incorporated documents shall be governed by and interpreted in all respects under the laws of the State of Texas without regard to conflict of law provisions. As for Louisiana residents, notwithstanding the foregoing, Louisiana residents may bring an action against WEALTHEO with jurisdiction and venue as provided by Louisiana law. 

    19. Dispute Resolution. In the event of a dispute between a Consultant or Affiliate and Wealtheo arising from or relating to the Agreement, or the rights and obligations of either party, the parties shall attempt in good faith to resolve the dispute through nonbinding mediation as more fully described in the Policies and Procedures. If the parties are unsuccessful in resolving their dispute through mediation, all disputes and claims relating to WEALTHEO, its products and services, the rights and obligations of a WEALTHEO Consultant or Affiliate, or any other claims or causes of action relating to the performance of either a Consultant, Affiliate or WEALTHEO under the Agreement or the WEALTHEO Policies and Procedures shall be settled totally and finally by arbitration as enumerated in the Policies and Procedures in Conroe, Texas or such other location as WEALTHEO prescribes, in accordance with the Federal Arbitration Act and the Commercial Arbitration Rules of the American Arbitration Association, except that all parties shall be entitled to discovery rights allowed under the Federal Rules of Civil Procedure. No arbitration or proceeding can be combined with another without the prior written consent of all parties to the arbitrations or proceedings. The parties agree that the arbitrator will have the sole power to decide any question about the arbitrability of any claim, dispute or other difference between the parties.  Additionally, you agree not to initiate or participate in any class action proceeding against WEALTHEO, whether in a judicial or mediation or arbitration proceeding, and you waive all rights to become a member of any certified class in any lawsuit or proceeding. This agreement to arbitrate shall survive any termination or expiration of the Agreement. Nothing in the Agreement shall prevent WEALTHEO from applying to and obtaining from any court having jurisdiction a writ of attachment, garnishment, temporary injunction, restraining order, preliminary injunction, permanent injunction or other equitable relief available to safeguard and protect its intellectual property rights, including but not limited to customer and/or consultant lists as well as other trade secrets, trademarks, trade names, patents, and copyrights. The parties may also seek judicial enforcement of an arbitration award.  In all actions before the courts, the parties consent to exclusive jurisdiction and venue before the U.S. District Court for the Southern District of Texas, or state court residing in Montgomery County, State of Texas. Jurisdiction and venue of any matter not subject to arbitration shall reside exclusively in the County of Montgomery and State of Texas.   

    20. Time Limitation. If a Consultant or Affiliate wishes to bring an action against WEALTHEO for any act or omission relating to or arising from the Agreement, such action must be brought within one (1) year from the date of the alleged conduct giving rise to the cause of action, or the shortest time permissible under state law.  Failure to bring such action within such time shall bar all claims against WEALTHEO for such act or omission.  Consultant and Affiliate waive all claims that any other statute of limitations applies. 

    21. Liquidated Damages. In any case which arises from or relates to the termination of Consultant’s or Affiliate’s Agreement and independent business, the parties agree that damages will be very difficult to ascertain.  Therefore, the parties stipulate that if a Consultant or Affiliate termination is proven and held to be wrongful under any theory of law, Consultant’s or Affiliate’s sole remedy shall be liquidated damages calculated as follows: liquidated damages shall be in the amount of his/her gross compensation that he/she earned pursuant to WEALTHEO’s Compensation Plan in the twelve (12) months immediately preceding the termination. Gross compensation shall include commissions and bonuses earned by the Consultant or Affiliate pursuant to WEALTHEO’s Compensation Plan.   

    22. Miscellaneous. If any provision of the Agreement is held to be invalid or unenforceable, such provision shall be reformed only to the extent necessary to make it enforceable, and the balance of the Agreement will remain in full force and effect. This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, but all of which together shall constitute one instrument. The provisions of this Agreement, including all documents incorporated herein by reference, embody the whole agreement between you and WEALTHEO and supersedes any prior agreements, understandings and obligations between you and WEALTHEO concerning the subject matter of your contract with WEALTHEO. 

    23. Notice of Right to Cancel. You may request a refund on your enrollment fee if it’s done within three (3) business days from the date of enrollment (Five business days in Alaska and fifteen business days in North Dakota for individuals age 65 and older).  If you cancel, any enrollment fees paid will be returned within fifteen (15) business days following receipt by the seller of your cancellation notice. To cancel this transaction, mail or deliver written notice, to 1836 Spirit of Texas Way, Ste 200, Conroe, Texas 77301, not later than midnight of the third business day following the date of this Agreement. 

    24. Submission of Electronic W-9.  Under penalty of perjury, I certify that (1) the number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and (2), I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and (3) I am a U.S. Citizen or other U.S. person. 

Website Terms of Use


Thank you for visiting www.wealtheo.com, or the Personal Website of your authorized Wealtheo Independent Consultant (“Consultant”) whose name appears on the site (our “Site”). This Site is powered by Wealtheo, LLC (referred to herein as “Wealtheo”) and made available by Wealtheo as a service to your Consultant. All content, information, and services provided on and through our Site may be used only under the following terms and conditions, as they are amended from time to time (the “Terms”). As used herein, the terms “our,” “we,” and “us” refer to both Wealtheo and your Consultant unless the context clearly provides otherwise.


  1. Site Use Generally

These Terms of Use are an agreement (the “Agreement”) between you and Wealtheo. This Agreement sets forth the legal terms and conditions governing your use of this Site and for your purchase and/or use of any Wealtheo products or services (collectively referred to hereinafter as, “Offerings”). This Agreement also provides information on how to become an Independent Wealtheo Consultant or Affiliate.

Your use of the Site and all information, data, text, software, information, images, sounds or other materials contained therein, or your use or purchase of any other Offerings confirms your unconditional agreement to be bound by this Agreement and is subject to your continued compliance with the terms and conditions of this Agreement. If you do not agree to be bound by this Agreement, do not access or otherwise use the Site or participate in any of the Offerings.

If you are dissatisfied with the Site or other Offerings, your sole and exclusive remedy is to stop using the Site or Offerings, except for the limited warranties that may apply to Wealtheo’s Offerings or as otherwise expressly stated in section 4 of this Agreement (Wealtheo Customer Guarantee).

This Agreement and the Wealtheo Privacy Policy (the “Privacy Policy”) and any other terms and policies incorporated herein by reference (collectively, the “Other Policies”), constitute the entire agreement between you and us pertaining to the subject matter hereof and, unless otherwise provided herein, supersede all prior or other arrangements, understandings, negotiations and discussions, whether oral or written. You acknowledge that you have read and understand our Privacy Policy, and consent to the use of any personal information you provide in accordance with the terms of, and for the purpose set forth in, our Privacy Policy. No waiver of any of the provisions of this Agreement shall constitute a waiver of any other provisions hereof (whether or not similar), nor shall any such waiver constitute a continuing waiver unless otherwise expressly provided.

  1. Your User License

You are granted a limited, nonexclusive, nontransferable license to access the Site and its content in accordance with these Terms. Our Site is hosted in the United States and contains information that is appropriate for access and use in the U.S., Puerto Rico, U.S. Virgin Islands, Guam, and U.S. Territories, possessions, and trusteeships (“Applicable Markets”). We make no representation that any materials on the Site are appropriate or available for use outside the Applicable Markets, and accessing them from territories where their contents are illegal is prohibited. Any references on the Site to specific products or services are applicable only to those available in the Applicable Markets, and any product claims and comparisons to other products on the Site apply within the Applicable Markets only. Those who access this Site from other locations do so according to their own initiative and are responsible for compliance with local laws, including laws regarding the transmission of technical data exported from the U.S. or the territory in which they reside.

We reserve the right to refuse service in our sole discretion and without notice. We reserve the right to cancel orders at our discretion if we believe that user conduct violates applicable laws or is harmful to our interests. You are solely responsible for your use of the Site, and you agree to compensate, hold harmless, and defend us from any claims, damages, losses, liabilities, costs, and expenses, including attorneys’ fees, resulting from your use or misuse of the Site. Posting or transmitting any unlawful, infringing, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic, or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law, is strictly prohibited.

  1. Limitations on Your Use

No material from our Site may be copied, reproduced, republished, downloaded, posted, displayed, transmitted, or distributed in any way, without Wealtheo’s prior written permission, except that where the Site is configured to enable the download of particular Content, you may download one copy of such Content to a single computer for your personal, noncommercial home use only, provided that you: (a) keep intact all copyright and other proprietary notices, (b) make no modifications to the Content, and (c) do not use the Content in a manner that suggests an association with any of our products, services, or brands. You may not, without our prior written permission, frame or mirror any material contained on this Site on any other server. The unauthorized use of any such material on any other website or computer environment is expressly prohibited.

In the event that we offer downloads of software from this Site and you download such software, the software, including any files, images incorporated in or generated by the software, and data accompanying the software (collectively the “Software”) are licensed to you by us or third party licensors for your personal, noncommercial home use only. We do not transfer title to the Software to you. You may not distribute or otherwise exploit the Software or decompile, reverse engineer, disassemble or otherwise reduce the Software to a human-readable form.

  1. Returns

We are confident that you will find our products satisfactory in every way. We stand behind the quality of our products and guarantee your satisfaction. However, because our products are digital goods, if you are not completely satisfied with any Wealtheo digital product purchased, we offer a no questions asked 3-day money-back guarantee refund for all un-accessed Wealtheo products. Any applicable tax is not refundable.

You may return physical items (as opposed to digital items) within 30 days by contacting us as described in the “Contact” section, and we will be happy to assist you.

  1. Accounts

Some services on this Site permit or require you to create an account to participate in or to secure additional benefits. You agree to provide, maintain and update true, accurate, current and complete information about yourself as prompted by our registration processes. You shall not impersonate any person or entity or misrepresent your identity or affiliation with any person or entity, including using another person’s username, password or other account information, or another person’s name, likeness, voice, image or photograph. It is your responsibility to safeguard the password you use to access our Site, and to promptly advise Wealtheo if you ever suspect that your password has been compromised. We strongly encourage you to change your password regularly to prevent unauthorized access. Because your User ID and password are specific to you, you acknowledge sole responsibility for any and all use of our Site conducted with your User ID and password. We may suspend or terminate your account and your ability to use the Site or any portion thereof for failure to comply with these Terms of Use or any special items related to a particular service, for infringing copyright, or for any other reason whatsoever.

  1. Additional Terms

Note that special terms apply to some services offered on the Site, such as subscription-based services, product purchases, rules for particular contests or sweepstakes, or other features or activities. These special terms are posted in connection with the applicable service. Any such terms are in addition to these Terms of Use and, in the event of a conflict, the special terms prevail over these Terms of Use.

  1. Modification

We reserve the right at any time, in our sole discretion, to: (1) modify, update, enhance, add to, discontinue, remove, revise or otherwise change any of the terms and conditions of this Agreement, in whole or in part; or (2) enhance, add to, modify or discontinue the Offerings, or any portion of the Offerings. For changes to this Agreement that we consider to be material, we will place a notice on the Site by revising the link on the homepage to read substantially as “Updated Terms of Use” for a reasonable amount of time. If you provide information to us, access or use the Site or participate in any Offering in any way after this Agreement has been changed, you will be deemed to have read, understood and unconditionally consented to and agreed to such changes. The most current version of this Agreement will be available on the Site and will supersede all previous versions of this Agreement.

  1. Copyright

All information, materials, functions and other content (including Submissions as defined in Section 14 below) provided on this Site (collectively “Content”), such as the Site design, text, selection and arrangement of elements, organization, graphics, images, magnetic translation, digital conversion, etc., is our exclusive property or the property of our licensors and is protected by U.S. and international copyright laws, ALL RIGHTS RESERVED. The posting of any such elements on the Site does not constitute a waiver of any right in such elements. You do not acquire ownership rights to any such elements viewed through the Site. Except as stated herein or as otherwise provided in an express authorization from us, no material from the Site may be copied, reproduced, republished, uploaded, downloaded, posted, displayed, transmitted, modified, or distributed in any way, in any form or by any means, including, without limitation, electronic, mechanical, photocopying, recording, or otherwise. Any unauthorized use of any material contained in this Site is strictly prohibited.

  1. Trademarks

Unless otherwise noted, all product names, company names, and all other trademarks, service marks, trade dress, trade names, logos (collectively the “Marks”) used and displayed on this Site are our registered and unregistered Marks and the Marks of our licensors. Nothing on this Site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Marks displayed on the Site. Our Marks and those of our licensors may not be used in connection with any product or service that is not ours, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits us. The use or misuse of any Marks or any other materials contained on the Site, without the prior written permission of their owner, is expressly prohibited.

  1. Confidentiality

For Consultants with a business powered by Wealtheo, your user license includes a revocable right to access and use certain trade secret, confidential, and proprietary business information, which includes, without limitation, genealogical, downline, or Line of Sponsorship (LOS) information (i.e., information compiled by Wealtheo that discloses or relates to all or part of the specific arrangement of sponsorship within the Wealtheo business, including, without limitation, Consultant and Affiliate lists, upline and downline organizations, all Consultant contact and business performance information, and all Affiliate and Customer contact information generated therefrom (Proprietary Information), which may be made available to you on the Site. You acknowledge that Wealtheo is the exclusive owner of all Proprietary Information and agree to maintain all Proprietary Information in strictest confidence and to use it only as authorized by Wealtheo. You agree not to compile, organize access, create lists of, or otherwise use Proprietary Information except as authorized by Wealtheo under the Wealtheo Policies and Procedures, as amended from time to time.

  1. Linking

Links to third-party web sites may be provided on this Site. If so, they are provided solely as a convenience to you. If you use such links, you will leave this Site. We have not reviewed all such third-party sites (if any) and do not control and are not responsible for any of these web sites and their content. We do not endorse or make any representations about such web sites or any information or materials found there, or any results that may be obtained from using them. These third-party websites are responsible for, and undertake to maintain, their own site terms of use. We suggest that you carefully review the terms of use of each site you choose to access from our Site. If you access any third-party web sites linked from this Site, you do so at your own risk.

No hyperlinks to this Site are permitted without our prior written consent. If you would like to link to this Site from your web site, please submit your request via email to link to this Site to [email protected]. Unless you receive our express written consent, your request to link to this Site shall be deemed denied. Unless otherwise permitted in writing signed by an authorized representative of Wealtheo, a web site that links to this Site:

• Shall not imply, either directly or indirectly, that Wealtheo is endorsing its products;
• Shall not use any of our Trademarks or the Trademarks of our licensors;
• Shall not contain content or material that could be construed as offensive, controversial or distasteful and should only contain content that is appropriate for all age groups;
• Shall not disparage us or our products in any way or otherwise negatively affect or harm our reputation and goodwill;
• Shall not present false or misleading information about us or the Wealtheo opportunity;
• Shall not misrepresent any relationship with us;
• Shall not replicate in any manner any content in the Site; and
• Shall not create a browser or border environment around Site material.

The information and features included in this Site are subject to change at any time without notice. By accessing or linking to this Site (to the extent linking is permissible), you assume the risk that the information on this Site may be changed or removed.

12. Claim of Copyright Infringement

We respect the intellectual property rights of others. If you believe that your copyrighted property has been copied in any way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please provide our copyright agent the information specified below. Please note that this procedure is exclusively for notifying us that your copyrighted material has been infringed. To be effective, the notification must be a written communication that includes the following:

• A physical or electronic signature of the person authorized to act on behalf of the owner of the copyright interest;
• A description of the copyrighted work that you claim has been infringed upon;
• A description of where the material that you claim is infringing is located on the Site;
• Your physical address, telephone number and email address;
• A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or by the law; and
• A statement by you, made under penalty of perjury, that the above information is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

We may give you notice that we have removed or disabled access to certain material by means of a general notice on the Site, electronic mail to a user’s e-mail address in our records, or by written communication sent by first-class mail to your physical address in our records. If you receive such a notice, you may provide counter-notification in writing to our copyright agent that includes the information below. To be effective, the counter-notification must be a written communication that contains the following:

• Your physical or electronic signature;
• Identification of the material that has been removed or to which access has been disabled, and the location at which the material appeared before it was removed or access to it was disabled;
• A statement from you, under the penalty of perjury, that you have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and
• Your name, physical address and telephone number, and a statement that you consent to the jurisdiction of a Federal Court for the judicial district in which your physical address is located, or if your physical address is outside of the United States, for any judicial district in which Wealtheo may be found, and that you will accept service of process from the person who provided notification of allegedly infringing material or an agent of such person.

Our Copyright Agent for notice of claims of copyright infringement on this Site can be reached as follows:

By Mail:
Wealtheo, Inc.
Attn: Tara Shelander
1836 Spirit of Texas Way Suite 200
Conroe, Texas 77301
By Email: [email protected]
By Telephone: (281) 677-3516 x702

  1. Submissions

For purposes of these Terms of Use, the word “Submissions” means text, messages, ideas, concepts, suggestions, artwork, photographs, drawings, videos, audiovisual works, your and/or other persons’ names, likenesses, voices, usernames, profiles, actions, appearances, performances and/or other biographical information or material, and/or other similar materials that you submit, post, upload, embed, display, communicate or otherwise distribute on or through this Site.

We are always pleased to receive your comments, suggestions, and Submissions regarding this Site, our products and services, and our opportunity. If you transmit to us, post, or upload any Submissions to or through this Site, you grant us and our affiliates a non-exclusive, royalty-free, perpetual and irrevocable right to use, reproduce, modify, adapt, publish, translate, distribute and incorporate such Submissions and the names identified on the Submissions throughout the world in any media for any and all commercial and non-commercial purposes.

By communicating a Submission to us, you represent and warrant that the Submission and your communication thereof conform to the Rules of Conduct set forth in Section 16 below and all other requirements of these Terms of Use and that you own or have the necessary rights, licenses, consents and permissions, without the need for any permission from or payment to any other person or entity, to exploit, and to authorize us to exploit, such Submission in all manners contemplated by these Terms of Use. You agree that you shall not post or transmit to or from this Site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic or profane material, or any other material that could give rise to any civil or criminal liability under the law. See Section 16 below.

  1. Public Forums and Communication

“User Forum” means an area or feature offered as part of this Site that offers the opportunity for users to distribute Submissions for viewing by one or more Site users, including, but not limited to, a chat area, message board, instant messaging, mobile messaging, social community environment, profile page, conversation page, blog, or e-mail function. User Forums are provided to give users a forum to express their opinions and share their ideas and information.

You are and shall remain solely responsible for the Submissions you distribute on or through the Site under your User ID, username or otherwise by you in any User Forum and for the consequences of submitting and posting the same. The individual who posts content in the User Forums (“Community Content”) is responsible for the reliability, accuracy, and truthfulness of such content, and we have no control over the same. Additionally, we have no control over whether any such posted material is of a nature that users will find offensive, distasteful or otherwise unacceptable and expressly disclaims any responsibility for such material.

This means that you, and not us, are solely responsible for all Community Content that you upload, post, transmit, or otherwise make available through or on the Site. You are also solely responsible for all Community Content posted under your user account. You represent and warrant that (i) you own or otherwise control all of the rights in and to the content that you post; (ii) that the content is accurate and truthful; (iii) use of the Community Content you supply does not violate these Terms; (iv) the Community Content does not infringe, violate, or interfere with any intellectual property or other rights of any third party and does not violate any applicable law or regulation; and (v) the Community Content will not cause injury to any person or entity. If we determine, in our sole discretion, that any Community Content submitted by you is offensive or inappropriate, we may remove it immediately or ask you to retract or modify the Community Content in question. If you fail to meet our request within the time specified, we may remove the Community Content. We have no obligation, however, to restrict or monitor Community Content in any way.

Should Community Content be deemed illegal, we will cooperate with the proper authorities, including but not limited to submitting all necessary information to them.

You acknowledge that Public Forums and features offered therein are for public and not private communications, and you have no expectation of privacy with regard to any Submission to a Public Forum. You understand that the uploading to and/or posting of any Community Content in any User Forum shall not be subject to any obligation of confidence on the part of Wealtheo, and we shall not be liable for any use or disclosure of any Community Content. We cannot guarantee the security of any information you disclose through any of these media; you make such disclosures at your own risk.
We do not and cannot review every message posted by users in the User Forums, and Wealtheo is not responsible for the content of these messages or the views or opinions expressed by the users of the User Forums. Information disclosed in the User Forums is by design revealed to the public. You acknowledge that we are under no obligation to pre-screen Community Content. We reserve the right, but are not obligated, to delete, move or edit content, in whole or in part, submitted by you to the Site for any reason in our sole discretion. In addition, we may delete, move, edit or disclose the contents of messages when it is required to do so by law or in a good faith belief that such action is necessary to protect and defend our rights and property or to protect the safety of our users or the public. In no event do we assume any obligation to monitor the User Forums or remove any specific material.
Any material, information, or idea you submit to us or the Site by any means may be disseminated or used by us without compensation or liability to you for any purpose whatsoever, including, but not limited to, developing, manufacturing, and marketing products. We have no obligation to keep any submissions confidential, return any materials that you submit to us, or compensate you for the use of any such materials under any circumstances. You hereby irrevocably waive any claims based on our use of any materials, ideas, or information that you submit to us.

You should be skeptical about information provided by others, and you acknowledge that the use of any Submission posted in any User Forum is at your own risk. We are not responsible for, and we do not endorse, the opinions, advice or recommendations posted or sent by users in any User Forum and we specifically disclaim any and all liability in connection therewith. We do not control the Community Content posted on or through the Site and, therefore, we do not guarantee the accuracy, integrity, or quality of such Community Content. You are solely responsible for any use or reliance on the Community Content, including on its accuracy, completeness, or usefulness. Under no circumstances will we be liable in any way for any Community Content, including, but not limited to, any errors or omissions in any Community Content, or for any loss or damage of any kind incurred as a result of the use of any Community Content posted, transmitted, or otherwise made available through the Site.

We owe you no obligation, and therefore may refuse to post, deliver, remove, modify or otherwise use or take any action with respect to any Submissions that you make to the Site.

We do not claim ownership of the Community Content you upload, place, or post through the Site. You are responsible for protecting your rights in such Community Content and are not entitled to our help in protecting such Community Content. By uploading, placing, or posting Community Content through the Site, you grant us a perpetual, irrevocable, worldwide, royalty-free, non-exclusive, and fully sublicensable license, under all intellectual property and other rights, including, without limitation, privacy and publicity, to use, distribute, reproduce, modify, adapt, translate, publicly perform, publicly display, transmit, exploit, create derivative works from the Community Content (in whole or in part), and incorporate such Community Content into other works in any format or medium now known or later developed, for any purpose associated with the Site. You grant us and our sub-licensees the right to use the name that you submit in connection with such Community Content, if we choose. You hereby irrevocably waive any claims based on “moral rights” and similar theories, if any. Please note, however, that certain activities (e.g., contests) that involve the submission of Community Content by you may have terms applicable to your Community Content that differ from those above. In the event such terms differ with these terms, such terms will govern and have precedence over these terms with respect to your Community Content.

  1. Rules of Conduct

Your Authorization to Use the Site. Your authorization to use the Site and contribute to it depends on your compliance with community standards and the conduct guidelines set forth below. If you fail to conduct yourself appropriately, we may revoke your privileges to use all or a portion of the Site and/or take other appropriate measures to enforce these community standards and conduct guidelines. The following is a non-inclusive list of behaviors that are not permitted on the Site. By using the Site, you agree that you will not upload, post, transmit, submit, distribute, or otherwise make available to the Site any Submission that:

• (a) is tortious, libelous, defamatory, disparaging, abusive, harassing, harmful, threatening, or an invasion of a right of privacy of another person; (b) is bigoted, hateful, or racially or otherwise unreasonably offensive [as determined by us in our sole discretion]; (c) is violent or promotes violence, vulgar, obscene, pornographic, or otherwise sexually explicit; (d) is false, misleading; or (e) otherwise harms or can reasonably be expected to harm any person or entity;
• is illegal or encourages or advocates illegal activity or the discussion of illegal activities with the intent to commit them, including a Submission that is, or represents an attempt to engage in, child pornography, stalking, sexual assault, fraud, trafficking in obscene or stolen material, drug dealing and/or drug use, harassment, abuse, theft, terrorism, or conspiracy to commit any criminal activity;

• infringes, misappropriates, or violates any right of a third party including: (a) copyright, patent, trademark, trade secret, identity right, publicity right, privacy right, or other proprietary or contractual rights; (b) right of privacy (specifically, you must not distribute another person’s personal information of any kind without their express permission) or publicity; or (c) any confidentiality obligation;

• impersonates any person or entity, including, but not limited to, any of our members, company officials, directors, shareholders, agents, representatives or users, or falsely state or otherwise misrepresent your affiliation with a person or entity, or otherwise disguise the origin of any content transmitted through the Site or to Wealtheo, including forging any TCP/IP packet header or any part of the header information in any transmission to the Site for any reason;

• is commercial, business related or advertises or offers to sell any products, services or otherwise (whether or not for profit), or solicits others (including solicitations for contributions or donations);

• contains any personal advertising, unsolicited commercial email or “spam,” or offer for sale of any non-Wealtheo products or services, except in areas, if any, specifically designated for such purposes – This includes unethical marketing, advertising, “chain letters,” or any other practice that is in any way connected with “spam,” such as (a) sending mass email to recipients who haven’t requested email from you or with a fake return address, (b) promoting a site with inappropriate links, titles, descriptions, or (c) promoting your site by posting multiple submissions in public forums that are identical;

• contains a virus, Trojan horses, malware, other harmful component, any material that contains software viruses, or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment, or intercept messages sent from a computer or communications device, or otherwise tampers with, impairs or damages the Site or any connected network, or otherwise interferes with any person or entity’s use or enjoyment of the Site;

• collects or harvests the information of any user or otherwise access the Site using automated means (including but not limited to harvesting bots, robots, spiders or scrapers)

• (a) does not generally pertain to the designated topic or theme of the relevant Public Forum; (b) violates any specific restrictions applicable to a Public Forum, including its age restrictions and procedures; or (c) is antisocial, disruptive, or destructive, including “flaming”, “spamming”, “flooding”, “trolling”, and “griefing”, as those terms are commonly understood and used on the Internet.

We cannot and do not assure that other users are or will be complying with the foregoing Rules of Conduct or any other provisions of these Terms of Use, and, as between you and us, you hereby assume all risk of harm or injury resulting from any such lack of compliance.

  1. Removal of Submissions

We reserve the right, but disclaim any obligation or responsibility, to (a) refuse to post or communicate or remove any Submission from the Site that violates these Terms of Use and (b) identify any user to third parties, and/or disclose to third parties any Submission or personally identifiable information when we believe in good faith that such identification or disclosure will either (i) facilitate compliance with laws, including, for example, compliance with a court order or subpoena, or (ii) help to enforce these Terms of Use and/or protect the safety or security of any person or property, including the Site. Moreover, we retain all rights to remove Submissions at any time for any reason or no reason whatsoever.

  1. Privacy

If you provide information to the Site, you agree to provide accurate, current and complete information about you when and where requested and you agree to maintain and update such information as appropriate. We will use and maintain any information about you that we collect through the Site in accordance with our Privacy Policy, located at https://wealtheo.com/privacy.

  1. Children

Wealtheo is committed to the safety of our children. Persons under the age of 18 may not enroll as Wealtheo Distributors or register as Customers. Children under the age of 13 may not purchase products through any of our Websites. Wealtheo does not solicit or knowingly collect personally identifiable information from children under the age of 13.

  1. Disclaimer of Warranties


The Content of the Site is not intended to, and does not, constitute legal, professional, accounting, tax, investment advice, is not intended to be a substitute for such advice, and may not be used for such purposes. You should not act or refrain from acting on the basis of any of the Content included in, or accessible through, the Site without seeking the appropriate legal, medical, or other professional advice. Reliance on any information appearing on the Site is strictly at your own risk.

The Site may contain the opinions and views of other users. Given the interactive nature of the Site, we cannot endorse, guarantee, or be responsible for the accuracy, efficacy, or veracity of any content generated by other users.

  1. Limitation of Liabilities




  1. Governing Law, Jurisdiction and Venue:

This Site is created and controlled by us in the State of Texas. The laws of the State of Texas govern these Terms of Use, without giving effect to any principles of conflicts of laws. You agree that any action at law or in equity arising out of or relating to these Terms of Use or the Site shall be filed, and that venue properly lies, only in the State or Federal courts located in Montgomery County, State of Texas, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provision of these Terms of Use is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed removed and shall not affect the validity and enforceability of any remaining provisions.

  1. Limitation of Action


  1. General Terms

23.1. Errors and Corrections
While we use reasonable efforts to include accurate and current information on our Site, we do not warrant or represent that the Site will be error-free. Data entry errors or other technical problems may sometimes result in inaccurate information being shown. We reserve the right to correct any inaccuracies or typographical errors on our Site, including pricing and availability of products and services, and shall have no liability for such errors. We may also make improvements and/or changes to the Site’s features, functionality, or content at any time. If you see any information or description you believe to be incorrect, please contact us as described in the “Contact Us” section, below, and we will attempt to verify it for you.

23.2 Appropriateness of Content

We make no representations that the Content on the Site is appropriate or available for use in any particular location. Those who choose to access the Site do so on their own initiative and are responsible for compliance with all applicable laws including any applicable local laws.

23.3 Waiver

No waiver of any provision of these Terms of Use by us shall be deemed a further or continuing waiver of such provision or any other provision, and our failure to assert any right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

23.4 Export Control

Supply of goods, services and software through the Site is subject to United States export control and economic sanctions requirements. By acquiring any such items through the Site, you represent and warrant that your acquisition comports with and your use of the item will comport with those requirements. Without limiting the foregoing, you may not acquire goods, services or software through the Site if: (a) you are in, under the control of, or a national or resident of Cuba, Iran, North Korea, Sudan or Syria or if you are on the U.S. Treasury Department’s Specially Designated Nationals List or the U.S. Commerce Department’s Denied Persons List, Unverified List or Entity List, or (b) you intend to supply the acquired goods, services or software to Cuba, Iran, North Korea, Sudan or Syria (or a national or resident of one of these countries) or to a person on the Specially Designated Nationals List, Denied Persons List, Unverified List or Entity List.

24. Contacting Us

You may contact us regarding these Terms of Use or the Site by any of the following methods:

By Mail: Wealtheo
1836 Spirit of Texas Way
Suite 200
Conroe, Texas 77301

By Email: [email protected]

By Phone: (281) 677-3516

  1. Effective Date

These Terms of Use are effective as of August 1, 2020, and shall remain in effect until modified and/or updated as provided in Section 8 above.