Policies & Procedures

Effective February 20, 2021

 SECTION 1 – MISSION STATEMENT

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.

SECTION 2 – INTRODUCTION

2.1 – Purpose of the Consultant Agreement, Affiliate Agreement and the Policies and Procedures

The purposes of the Consultant Agreement, Affiliate Agreement and the Policies and Procedures include the following:

  1. To assist Consultants and Affiliates in building and protecting their businesses;
  2. To protect Wealtheo™ and its Consultants and Affiliates from legal and regulatory risks;
  3. To establish standards of acceptable behavior;
  4. To set forth the rights, privileges, and obligations of Wealtheo™ and its Consultants and Affiliates; and
  5. To define the relationship between Wealtheo™ and its Consultants and Affiliates.

2.2 – Policies and Procedures Incorporated into Consultant 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™ Independent Consultant Application and Agreement (“Consultant Agreement”) and Affiliate Application and Agreement (“Affiliate Agreement”). It is the responsibility of each Consultant and Affiliate 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™ Consultant Application and Agreement (including the Terms and Conditions), Affiliate Application and Agreement (including Terms and Conditions)(if applicable), and these Policies and Procedures. These documents are incorporated by reference into the Wealtheo™ Consultant Agreement and 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 Consultant Agreement or Affiliate Agreement, a Consultant or 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 Consultants’ back-offices; or (4) inclusion in Company periodicals. The continuation of a Consultant’s or Affiliate’s Wealtheo™ business, the acceptance of any benefits under the Agreement, or a Consultant’s or Affiliate’s acceptance of bonuses or 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 a Consultant Application and Agreement or Affiliate Application and Agreement that is accepted by Wealtheo™, the Consultant or Affiliate consents to allow Wealtheo™, its affiliates, and any related company to: (a) process and utilize the information submitted in the Consultant Application and Agreement or 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 Consultant or Affiliate information to companies which Wealtheo™ may, from time to time, deal with to deliver information to a Consultant or Affiliate to improve its marketing, operational, and promotional efforts. A Consultant or Affiliate has the right to access his or her personal information via his or her respective back office, and to submit updates thereto.

SECTION 3 – BECOMING A CONSULTANT

3.1 – Requirements to Become a Consultant

To become a Wealtheo™ Consultant, each individual applicant must:

  1. Be at least 18 years of age;
  2. Reside in the United States or U.S. Territories or country that Wealtheo™ has officially announced is open for business;
  3. Provide Wealtheo™ with his/her valid Social Security;
  4. Make a successful payment of the Registration Fee; and
  5. Submit a properly completed Consultant Application and Agreement to Wealtheo™ in online format.

Wealtheo™ Consultant businesses are restricted to only one individual per application. Multiple individuals or business entities are prohibited from applying for a Wealtheo™ Consultant business.

Wealtheo™ reserves the right to accept or reject any Consultant Application and Agreement for any reason or for no reason. Wealtheo™ employees are not eligible to participate in Team Commissions during their term of employment.

3.2 – Registration Fee and Product Purchases

With the exception of the Registration Fee, no person is required to purchase Wealtheo™ products, services or sales aids, or to pay any charge or other fee to become a Consultant. In order to familiarize new Consultants with Wealtheo™ products, services, sales techniques, sales aids, and other matters, the Company recommends that they purchase a Back-Office Subscription.

3.3 – Consultant Benefits

Once a Consultant Application and Agreement has been accepted by Wealtheo™, the benefits of the Compensation Plan and the Consultant Agreement are available to the new Consultant. These benefits include the right to:

  1. Sell Wealtheo™ products and services;
  2. Participate in the Wealtheo™ Compensation Plan (receive bonuses and commissions, if eligible);
  3. Enroll other individuals as Customers, Affiliates, or Consultants into the Wealtheo™ business and thereby, build a marketing organization and progress through the Wealtheo™ Compensation Plan;
  4. Receive periodic Wealtheo™ literature and other Wealtheo™ communications;
  5. Participate in Wealtheo™-sponsored support, service, training, motivational and recognition functions, upon payment of appropriate charges, if applicable; and
  6. Participate in promotional and incentive contests and programs sponsored by Wealtheo™ for its Consultants.

3.4 – Term and Renewal of Your Wealtheo™ Business

The term of the Consultant Agreement is one year from the date of its acceptance by Wealtheo™ (subject to termination for inactivity pursuant to Section 12.2). Consultants must renew their Consultant Agreement each year by paying an annual renewal fee on or before the anniversary date of their Consultant Agreement. If the renewal fee is not paid within thirty (30) days after the expiration of the current term of the Consultant Agreement, the Consultant Agreement will be automatically terminated. Consultants may elect to utilize the Automatic Renewal Program (“ARP”). Under the ARP, the renewal fee will be charged to the Consultant’s credit card on file with the Company. Consultants without a credit card or bank account must renew by phone or mail. Wealtheo™ shall have the right in its sole and absolute discretion not to accept the Agreement or any renewal of it.

SECTION 4 – BECOMING AN AFFILIATE

4.1 – Requirements to Become an Affiliate

To become a Wealtheo™ Affiliate, each applicant must:

  1. Be at least 18 years of age;
  2. Reside in the United States or U.S. Territories or country that Wealtheo™ has officially announced is open for business;
  3. Provide Wealtheo™ with his/her valid Social Security; and
  4. 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.

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 Compensation Plan and the Affiliate Agreement are available to the new Affiliates. These benefits include the right to:

  1. Sell Wealtheo™ products;
  2. Participate in the Wealtheo™ Compensation Plan (only receive personal sales commissions);
  3. Enroll other individuals as Customers, Affiliates, or Consultants into the Wealtheo™ business; and
  4. 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.

SECTION 5 – OPERATING A WEALTHEO™ BUSINESS

5.1 – Adherence to the Wealtheo™ Compensation Plan

Consultants and Affiliates must adhere to the terms of the Wealtheo™ Compensation Plan as set forth in official Wealtheo™ literature. Consultants and 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. Consultants and Affiliates shall not require or encourage other current or prospective Customers, Affiliates or Consultants to execute any agreement or contract other than official Wealtheo™ agreements and contracts in order to become a Wealtheo™ Consultant or Affiliate. Similarly, Consultants and Affiliates shall not require or encourage other current or prospective Customers, Affiliates, or Consultants to make any purchase from, or payment to, any individual or other entity to participate in the Wealtheo™ Compensation Plan 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 Consultants and Affiliates shall safeguard and promote the good reputation of Wealtheo™ and its products. The marketing and promotion of Wealtheo™, the Wealtheo™ opportunity, the Compensation Plan, 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, Consultants and Affiliates must use the sales aids, business tools, and support materials produced by Wealtheo™. The Company has carefully designed its products, product labels, Compensation Plan, 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, Consultants 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.

Consultants shall not sell sales aids to other Wealtheo™ Consultants. Consultants may make approved material available to other Consultants free of charge if they wish, but may not charge other Wealtheo™ Consultants for the material.

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 a Consultant or 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™ Consultants and Affiliates, in any manner without its prior, written permission.

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

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

Consultant’s Name

Independent Wealtheo™ Consultant or Independent Wealtheo™ Affiliate

Example:

Alice Smith Alice Smith

Independent Wealtheo™ Consultant Independent Wealtheo™ Affiliate

or

Alice Smith Alice Smith

Wealtheo™ Wealtheo™

Independent Consultant Independent Affiliate

Consultants and 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™ Consultant or Independent Wealtheo™ Affiliate in your phone greeting or on your answering machine to clearly separate your independent Wealtheo™ business from Wealtheo™, Inc. For example, you may not secure the domain name www.buyWealtheo™.com, nor may you create an email address such as Wealtheosales@hotmail.com.

5.2.2.1 – Independent Wealtheo™ Consultant Logo

If you use a Wealtheo™ logo in any communication, you must use the Independent Consultant or Affiliate version of the Wealtheo™ logo. Using any other Wealtheo™ logo requires written approval. Please see examples below:

Logos Approved for Consultant Use are located in the Wealtheo™ resources back office section.

5.2.3 – Media and Media Inquiries

Consultants and 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 Consultants or 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.

5.2.4.1 – Requirements for All Commercial Email Messages

The Mailing List

  1. The mailing list may include only persons who have affirmatively agreed (opted in) to receive commercial e-mail from you.
  2. The mailing list must not include any recipient who has previously asked not to receive commercial e-mail from the business (opted out).
  3. 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

  1. The message must include complete and accurate transmission and header information.
  2. 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.
  3. The “Subject” line must accurately describe the message’s content.
  4. The message must clearly include the business’s valid, current physical postal address. This address can be a:
    1. street address;
    2. post office box that the business has accurately registered with the US Postal Service; or
    3. private mailbox that the business has accurately registered with a commercial mail receiving agency established pursuant to US Postal Service regulations.
  5. 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.
  6. There must be a functioning return email address to the sender.
  7. The use of deceptive subject lines and/or false header information is prohibited.

The Opt-out Mechanism

  1. The message must clearly explain that the recipient may opt out of receiving future commercial messages from the business.
  2. 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.
  3. You must ensure that the explanation of how a recipient can opt out is easy to read and understand.
  4. 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.
  5. You must honor all opt-out requests within ten business days.
  6. 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.
  7. 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.
  8. 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:

  1. 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.
  2. Repeat this procedure on a regular basis (for example, at least every two weeks).
  3. 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.
  4. 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.

5.2.4.2 – Additional Requirements for Email Messages Sent to Wireless Devices

When sending commercial messages to wireless devices:

  1. 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.
  2. 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).
  3. 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.

 5.2.4.3 – Commercial Email Messages Sent on Behalf of Consultants

Wealtheo™ may periodically send commercial emails on behalf of Consultants. By entering into the Consultant Agreement, Consultant agrees that the Company may send such emails and that the Consultant’s physical and email addresses will be included in such emails as outlined above. Consultants 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, Consultants and 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 a Consultant or Affiliate and a person, on the basis of: (a) an inquiry, application, purchase or transaction by the person regarding products offered by such Consultant or Affiliate; or (b) a personal or familial relationship, which relationship has not been previously terminated by either party.

5.2.6 Telephone Directory Listings

Consultants may list themselves as an “Independent Wealtheo™ Consultant” in the white or yellow pages of the telephone directory, or with online directories, under their own name. No Consultant may place telephone or online directory display ads using Wealtheo™’s name or logo. Consultants may not answer the telephone by saying “Wealtheo™”, “Wealtheo™ Incorporated”, or in any other manner that would lead the caller to believe that he or she has reached corporate offices of Wealtheo™. If a Consultant wishes to post his/her name in a telephone or online directory, it must be listed in the following format:

Consultant’s Name

Independent Wealtheo™ Consultant

5.2.7 Television and Radio Advertising

Consultants and Affiliates may not advertise on television and radio except with Wealtheo’s express written approval.

5.2.8 Advertised Prices

Consultants and 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, Consultants and 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 Consultant Web Sites

Consultants are provided with a replicated website by Wealtheo™, from which they can take orders, enroll new Affiliates and Consultants, as well as manage their Wealtheo™ business. Consultants 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

As part of the Back-Office Subscription, Consultants receive a Wealtheo™ Replicated Website to facilitate online buying experience for their Customers and enrollments for prospective Affiliates and Consultants. There is a $25 monthly charge for the Back-Office Subscription.

Consultants 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:

  1. The Wealtheo™ Independent Consultant Logo
  2. Your Name
  3. Wealtheo™ Corporate Website Redirect Button
  4. Artwork, logos, or graphics
  5. 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

Consultants and 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

Consultants and 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™ Consultant or 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 Consultants or 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.. A Consultant or 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

Consultants and 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. A Consultant or 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

Consultants and 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. Consultants and 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.)

Consultants and 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™ Consultant or 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. Consultants and 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™. Consultants and Affiliates shall only use the Wealtheo™ Compensation Plan materials provided when promoting the business opportunity.

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 sponsoring Consultant’s Replicated Website or Affiliate link. The display URL must also be to the sponsoring Consultant’s Replicated Website or 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 Consultant Application and Agreement and Affiliate Application and Agreement, Consultants and 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:

  1. 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™ Replicated Website or Affiliate link.
  2. 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.
  3. Any social media site that is directly or indirectly operated or controlled by a Consultant or 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 Consultant’s Wealtheo™ replicated website or Affiliate link.
  4. During the term of this Agreement and for a period of 12 calendar months thereafter, a Consultant and 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™ Consultants or Affiliates for another direct selling, multilevel marketing or network marketing program (collectively, “Direct Selling”). In furtherance of this provision, a Consultant and Affiliate shall not take any action that may reasonably be foreseen to result in drawing an inquiry from other Consultants or Affiliates relating to the Consultant’s other direct selling business activities. Violation of this provision shall constitute a violation of the non-solicitation provision in Section 4.10 (Conflicts of Interest) below.
  5. Consultants and Affiliates who engage in another Direct Selling Business (as defined in Section 5.10.2) 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 Consultant or 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 a Consultant or Affiliate is involved in another Direct Selling Business, the Consultant or Affiliate must create a separate social media account to promote the other Direct Selling Business. Consultants and Affiliates are also prohibited from “cross-posting” from their other Direct Selling Business social media account on to the Consultant’s or Affiliate’s Wealtheo™ Social Media and vice versa.
  6. A Consultant 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 Consultant’s Back-Office may be used.

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

  1. To generate sales and/or enroll a Consultant or Affiliate, a Social Media site must link only to the Consultant’s replicated website or Affiliate link.
  2. Other than Pinterest and similar Social Media sites, any Social Media site that is directly or indirectly operated or controlled by a Consultant or 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 Consultant’s replicated website or Affiliate link.
  3. If a Consultant 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 Consultant’s Wealtheo™ business and Wealtheo™ products. If the Consultant’s Wealtheo™ business is terminated for any reason, or if the Consultant becomes inactive, the Consultant must deactivate the business profile page.

5.3.13 Prohibited Postings

A Consultant and Affiliate may not make any postings, or link to any postings or other material that are:

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

5.3.14 Responding to Negative Posts

A Consultant and Affiliate is prohibited from conversing with others who place a negative post against them, other Consultants or Affiliates, or the Company. The Consultant and Affiliate must report negative posts to Wealtheo™’s Compliance Department at Compliance@Wealtheo.com.

5.4 Business Entities

A corporation, limited liability company, partnership or trust (collectively referred to in this section as a “Business Entity”) are prohibited from applying to be a Wealtheo™ Consultant.

5.5 Change of Sponsor

Wealtheo™ prohibits changes in sponsorship. Accordingly, the transfer of a Wealtheo™ business from one sponsor to another is not permitted. In order to protect all Sponsors, no Consultant may interfere with the relationship between another Consultant and his or her Sponsor in any way. A Consultant may not offer, entice, encourage, solicit, recruit, or otherwise influence or attempt to persuade another Consultant to change his or her Sponsor or line of sponsorship, either directly or indirectly.

5.6 Unauthorized Claims and Actions

5.6.1 Indemnification

A Consultant and Affiliate is fully responsible for all of his or her verbal and written statements made regarding Wealtheo™ products, services, and the Compensation Plan 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. Consultants and 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 Consultant’s unauthorized representations or actions. Consultant and Affiliate expressly assume all liability for any non-compete violation with any other business that Consultant or Affiliate is or previously was engaged with prior to becoming a Wealtheo™ Consultant or Affiliate. This provision shall survive the termination of the Consultant Agreement or Affiliate Agreement.

5.6.2 Compensation Plan Claims

When presenting or discussing the Wealtheo™ Compensation Plan, you must make it clear to prospects that financial success with Wealtheo™ requires commitment, effort, and sales skill. Conversely, you must never represent that one can be successful without diligently applying themselves. Examples of misrepresentations in this area include: 

  1. It’s a turnkey system;
  2. The system will do the work for you;
  3. Just get in and your downline will build through spillover;
  4. Just join and I’ll build your downline for you;
  5. The company does all the work for you;
  6. You don’t have to sell anything; or
  7. All you have to do is buy your products every month. 

The above are merely examples of improper representations about the Compensation Plan. It is important that you do not make these or any other representations that could lead a prospect to believe that they can be successful as a Wealtheo™ Consultant or Affiliate without commitment, effort, and sales skill.

5.6.3 Income Claims

Because Wealtheo™ Consultants do not have the data necessary to comply with the legal requirements for making income claims, a Consultant, when presenting or discussing the Wealtheo™ opportunity or Compensation Plan to a prospective Consultant, 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).

5.6.4 Income Disclosure Statement

Wealtheo™’s corporate ethics compel us to do not merely what is legally required, but rather, to conduct the absolute best business practices. To this end, we have developed the Wealtheo™ Income Disclosure Statement (“IDS”). The Wealtheo™ IDS is designed to convey truthful, timely, and comprehensive information regarding the income that Wealtheo™ Consultants earn. In order to accomplish this objective, a copy of the IDS must be presented to all prospective Consultants. The failure to comply with this policy constitutes a significant and material breach of the Wealtheo™ Consultant Agreement and will be grounds for disciplinary sanctions, including termination, pursuant to Section 10.1 (Disciplinary Sanctions).

A Consultant, when presenting or discussing the Wealtheo™ opportunity or Compensation Plan to a prospective Consultant, may not make income projections, income claims, or disclose his or her Wealtheo™ income (including the showing of checks, copies of checks, bank statements, or tax records) unless, at the time the presentation is made, the Consultant provides a current copy of the Wealtheo™ Income Disclosure Statement (IDS) to the person(s) to whom he or she is making the presentation.

A copy of the IDS must be presented to a prospective Consultant (someone who is not a party to a current Wealtheo™ Consultant Agreement) anytime the Compensation Plan is presented or discussed, or any type of income claim or earnings representation is made.

The terms “income claim” and/or “earnings representation” (collectively “income claim”) include: (1) statements of actual earnings; (2) statements of projected earnings; (3) statements of earnings ranges; (4) income testimonials; (5) lifestyle claims; and (6) hypothetical claims.

A lifestyle income claim typically includes statements (or pictures) involving large homes, luxury cars, exotic vacations, or other items suggesting or implying wealth. They also consist of references to the achievement of one’s dreams, having everything one always wanted, and are phrased in terms of “opportunity” or “possibility” or “chance.” Claims such as “My Wealtheo™ income exceeded my salary after six months in the business,” or “Our Wealtheo™ business has allowed my wife to come home and be a full-time mom” also fall within the purview of “lifestyle” claims.

A hypothetical income claim exists when you attempt to explain the operation of the compensation plan through the use of a hypothetical example. Certain assumptions are made regarding some or all of the following: (1) number of personally enrolled Customers and Consultants; (2) number of downline Customers and Consultants; (3) average sales/purchase volume/sales volume per Customer and Consultant; and (4) total organizational volume. Applying these assumptions through the compensation plan yields income figures which constitute hypothetical income claims.

In any non-public meeting (e.g., a home meeting, one-on-one, regardless of venue) with a prospective Consultant or Consultants in which the Compensation Plan is discussed or any type of income claim is made, you must provide the prospect(s) with a copy of the IDS. In any meeting that is open to the public in which the Compensation Plan is discussed or any type of income claims is made, you must provide every prospective Consultant with a copy of the IDS and you must display at least one (3 foot x 5 foot poster board) in the front of the room in reasonably close proximity to the presenter(s). In any meeting in which any type of video display is utilized (e.g., monitor, television, projector, etc.) a slide of the IDS must be displayed continuously throughout the duration of any discussion of the Compensation Plan or the making of an income claim.

Copies of the IDS may be printed or downloaded without charge from the corporate website at http://www.wealtheo.com/IDS.

Consultants who develop sales aids and tools in which the Compensation Plan or income claims are present must incorporate the IDS into each such sales aid or tool prior to submission to the Company for review.

5.7 Commercial Outlets

Consultants and Affiliates may not sell Wealtheo™ products from a commercial outlet, nor may Consultants or 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.

5.8 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 a Consultant or 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 Consultant or 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™ Consultants or Affiliates to engage in such activities on the installation. If the Commander has not done so, the Consultant or Affiliate must contact Wealtheo™’s offices to ask the Company to obtain the Commander’s permission. Consultants and 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 Consultant or 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: 

  1. Solicitation during enlistment or induction processing or during basic combat training, and within the first half of the one station unit training cycle.
  2. Solicitation of “mass,” “group,” or “captive” audiences.
  3. Making appointments with or soliciting military personnel during their normally-scheduled duty hours.
  4. Soliciting without an appointment in areas used for housing or processing transient personnel, or soliciting in barracks areas used as quarters.
  5. 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, Consultants and Affiliates with military identification cards and/or installation vehicle decals must present documentation issued by the installation authorizing solicitations.)
  6. Offering rebates to promote transaction or to eliminate competition.
  7. Any oral or written representations which suggest or appear that the military branch sponsors or endorses the Company or its Consultants or Affiliates, or the goods, services, and commodities offered for sale.
  8. 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 Consultant”) 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.
  9. Entry into any unauthorized or restricted area.
  10. Distribution of literature other than to the person being interviewed.
  11. 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.
  12. 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 Consultant or Affiliate could jeopardize the ability of all Wealtheo™ Consultants and 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).

5.9 Trade Shows, Expositions and Other Sales Forums

Consultants may display and/or sell Wealtheo™ products at trade shows and professional expositions. Before submitting a deposit to the event promoter, Consultants must contact the Wealtheo™ Corporate Department in writing for conditional approval, as Wealtheo™’s policy is to authorize only one Wealtheo™ business per event. Final approval will be granted to the first Consultant who submits an official advertisement of the event, a copy of the contract signed by both the Consultant and the event official, and a receipt indicating that a deposit for the booth has been paid. Approval is given only for the event specified. Any requests to participate in future events must again be submitted to the Wealtheo™ Corporate Department. Wealtheo™ further reserves the right to refuse authorization to participate at any function which it does not deem a suitable forum for the promotion of its products, services, or the Wealtheo™ opportunity. Approval will not be given for swap meets, garage sales, flea markets or farmer’s markets as these events are not conducive to the professional image Wealtheo™ wishes to portray.

5.10 Conflicts of Interest

5.10.1 Crossline Recruiting

Consultants are prohibited from crossline recruiting. The use of a spouse or relative’s name, trade names, DBAs, assumed names, entities, federal identification numbers, or fictitious identification numbers, or any other device or contrivance to circumvent this policy is prohibited. A Consultant shall not demean, discredit, or defame other Wealtheo™ Consultants in an attempt to entice another customer, Consultant or prospective Consultant to become part of his or her organization.

For the purposes of this Section 5.10.1, the term “crossline recruiting” means the actual or attempted sponsorship, solicitation, enrollment, encouragement, or effort to influence in any way, either directly, indirectly, or through a third party, of another Wealtheo™ Consultant, Affiliate, or Customer to enroll, join, or otherwise participate in another Wealtheo™ marketing organization, downline, or line of sponsorship other than the one in which he, she, or it originally enrolled.

5.10.2 Non-solicitation

Wealtheo™ Consultants and 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 a Consultant’s Independent Consultant Agreement or Affiliate Agreement, with the exception of a Consultant who is personally sponsored by the Consultant (or former Consultant, as may be applicable), a Consultant (or former Consultant) or Affiliate may not recruit any Wealtheo™ Consultant, Affiliate, or Customer for another Direct Selling Business. Consultants, 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, Consultants, Affiliates, and Wealtheo™ agree that this non-solicitation provision shall apply nationwide throughout the United States and to all international markets in which Consultants and 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™ Consultant, 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 Consultant’s or Affiliate’s actions are in response to an inquiry made by another Consultant, Affiliate, or Customer.

5.10.3 Consultant Participation in Other Network Marketing Programs

Consultant and Affiliate expressly assume all liability for any non-compete violation with any other Direct Selling or Network Marketing/MLM-type business that Consultant or Affiliate is or previously was engaged with prior to becoming a Wealtheo™ Consultant or Affiliate. If a Consultant or Affiliate is engaged in a non-Wealtheo™ Direct Selling Business, it is the responsibility of the Consultant or Affiliate to ensure that his or her Wealtheo™ business is operated entirely separate and apart from any Direct Selling Business or Network Marketing/MLM-type business. Wealtheo™ operates with very high integrity. Any attempts by a Wealtheo™ Consultant or Affiliate to recruit any Wealtheo™ Consultant or Affiliate into another Direct Selling or Network Marketing/MLM-type business or attempts to market or sell any competing e-learning products or services, other than those you personally enrolled is strictly prohibited and could result in immediate termination of your Affiliate or Consultant contract with Wealtheo™.

This provision shall survive the termination or expiration of the Consultant Agreement or Affiliate Agreement for a period of three (3) years after such termination or expiration.

5.10.4 Confidential Information

“Confidential Information” includes, but is not limited to, Consultant Team Genealogy Reports, the identities of Wealtheo™ customers, Affiliates, and Consultants, contact information of Wealtheo™ customers, Affiliates, and Consultants, Consultants’ personal and group sales volumes, Consultant rank and/or achievement levels, 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 Consultants in their respective back-offices. Consultant 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 Consultants in strictest confidence and is made available to Consultants for the sole purpose of assisting Consultants in working with their respective downline organizations in the development of their Wealtheo™ business. Consultants may not use the reports for any purpose other than for developing, managing, or operating their Wealtheo™ business. Where a Consultant participates in other multi-level marketing ventures, he/she is not eligible to have access to Consultant Team Genealogy Reports. Consultants should use the Confidential Information to assist, motivate, and train their downline Consultants. The Consultant and Wealtheo™ agree that, but for this agreement of confidentiality and nondisclosure, Wealtheo™ would not provide Confidential Information to the Consultant.

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

  1. Directly or indirectly disclose any Confidential Information to any third party;
  2. Directly or indirectly disclose the password or other access code to his or her back-office;
  3. Use any Confidential Information to compete with Wealtheo™ or for any purpose other than promoting his or her Wealtheo™ business;
  4. Recruit or solicit any Consultant or Customer of Wealtheo™ listed on any report or in the Consultant’s back-office, or in any manner attempt to influence or induce any Consultant or Customer of Wealtheo™, to alter their business relationship with Wealtheo™; or
  5. 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 a Consultant’s Agreement has been terminated, or whether the Consultant is or is not otherwise affiliated with the Wealtheo™. Upon nonrenewal or termination of the Agreement, Consultants 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.

5.11 Targeting Other Direct Sellers

Wealtheo™ does not condone Consultants or Affiliates specifically or consciously targeting the sales force of another direct sales company to sell Wealtheo™ products or to become Consultants or Affiliates for Wealtheo™, nor does Wealtheo™ condone Consultants or 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 Consultants or 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 a Consultant or Affiliate alleging that he or she engaged in inappropriate recruiting activity of its sales force or customers, Wealtheo™ will not pay any of the Consultant’s or Affiliate’s defense costs or legal fees, nor will Wealtheo™ indemnify the Consultant or Affiliate for any judgment, award, or settlement.

5.12 Errors or Questions

If a Consultant or Affiliate has questions about or believes any errors have been made regarding commissions, bonuses, genealogy lists, or charges, the Consultant or Affiliate must notify Wealtheo™ in writing within thirty (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 thirty (30) days.

5.13 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, Consultants and Affiliates shall not represent or imply that Wealtheo™ or its Compensation Plan have been “approved,” “endorsed” or otherwise sanctioned by any government agency.

5.14 Income Taxes

Each Consultant and Affiliate is responsible for paying local, state, and federal taxes on any income generated as an Independent Consultant or Affiliate. Unfortunately, we cannot provide you with any personal tax advice. Please consult your own tax accountant, tax attorney, or other tax professional. If a Consultant’s or 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.

5.15 Independent Contractor Status

Consultants and Affiliates are independent contractors. The agreement between Wealtheo™ and its Consultants and Affiliates does not create an employer/employee relationship, agency, partnership, or joint venture between the Company and the Consultant and Affiliate. Consultants and Affiliates shall not be treated as an employee for his or her services or for Federal or State tax purposes. All Consultants and Affiliates are responsible for paying local, state, and federal taxes due from all compensation earned as a Consultant or Affiliate of the Company. The Consultant and Affiliate has no authority (expressed or implied), to bind the Company to any obligation. Each Consultant and 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 Consultant Agreement or Affiliate Agreement, these Policies and Procedures, and applicable laws.

5.16 International Marketing

Consultants and Affiliates are authorized to promote and/or sell Wealtheo™ products and services, and enroll Customers, Affiliates, or Consultants 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). Consultants and Affiliates may not sell, give, transfer, or distribute Wealtheo™ products or sales aids from one Official Country into another Official Country.

Consultants and 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 Consultants, Affiliates, or Customers. Consultants and Affiliates are required to follow all laws, rules and regulations of the Official Country. Consultant and Affiliate 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 Consultant or Affiliate may, in any Unauthorized Country:

  1. advertise the Company, the Compensation Plan or its products;
  2. offer Company products for sale or distribution
  3. conduct sales, enrollment or training meetings;
  4. enroll or attempt to enroll potential Customers, Affiliates, or Consultants;
  5. Accept payment for enrollment or recruitment from citizens of countries where Wealtheo™ does not conduct business;
  6. promote international expansion via the Internet or in promotional literature; or
  7. conduct any other activity for the purpose of selling Wealtheo™ products, establishing a marketing organization, or promoting the Wealtheo™ opportunity.

A Consultant and 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. Consultants and Affiliates accept the sole responsibility to conduct their independent businesses lawfully within each country in which he or she conducts business.

A Consultant’s and 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. A Consultant or 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.

5.17 Bonus Buying

Bonus buying includes any mechanism or artifice to qualify for rank advancement, incentives, prizes, commissions or bonuses that is not driven by bona fide product or service purchases by end 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 Consultant’s 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.

5.18 Adherence to Laws, Regulations and the Agreement

Consultants and 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 Consultants or Affiliates because of the nature of their business. However, Consultants and Affiliates must obey those laws that do apply to them. If a city or county official tells a Consultant or Affiliate that an ordinance applies to him or her, the Consultant or Affiliate shall be polite and cooperative, and immediately send a copy of the ordinance to the Corporate Department of Wealtheo™. In addition, Consultants and Affiliates must not recommend, encourage or teach other Consultants or Affiliates to violate federal, state, or local laws, regulations, ordinances, codes, or the terms of the Agreement in the operation of their Wealtheo™ business.

5.19 One Wealtheo™ Business Per Consultant and Per Household

A Consultant 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 Consultants 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 Consultants 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 Consultants at different times, the Household member who joined Wealtheo™ first must be the Sponsor for all other Household members.

5.20 Actions of Household Members or Affiliates

If any member of a Consultant’s Household or any member of an Affiliate’s Household, engages in any activity which, if performed by the Consultant or Affiliate, would violate any provision of the Agreement, such activity will be deemed a violation by the Consultant or Affiliate and Wealtheo™ may take disciplinary action pursuant to these Policies and Procedures against the Consultant or Affiliate. Similarly, if an individual enrolls in Wealtheo™ as a Co-Consultant, each Consultant shall be personally and individually bound to, and must comply with, the terms and conditions of the Agreement.

5.21 Roll-up of Organization

When a vacancy occurs in an Organization due to the termination of a Wealtheo™ business, each Consultant in the first level immediately below the terminated Consultant on the date of the termination (referred to in this Section as a “First Level Consultant”) will have the opportunity to qualify to roll up into the position of the terminated Consultant provided the prospective First Level Consultant has not been in violation of the terms of the Wealtheo™ Consultant 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 Consultant with the highest Achievement Rank on the date of the termination. In the event of a tie between two or more First Level Consultants, the following criteria will be applied, in the order listed, until the tie is broken:

  1. The Consultant with the largest number of active personally enrolled Customers; and
  2. The Consultant whose Organization has the largest number of active Consultants.

Prior to any roll up, Wealtheo™ may audit the Organization of the First Level Consultant who will receive the roll up. If the First Level Consultant who would be receiving the roll up has any invalid enrollments or sales (i.e., enrollments or sales obtained in violation of these Policies and Procedures) or has been involved in any Policy violations within the preceding twelve calendar months, such Consultant shall be disqualified from receiving the roll up.

5.22 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 Consultant wishes to transfer his or her Wealtheo™ business, or transfer an interest, the following criteria must be met:

  1. The business must be at or above the rank of Vice President.
  2. The selling Consultant 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.
  3. The buyer or transferee must become a qualified Wealtheo™ Consultant. If the buyer is an active Wealtheo™ Consultant, he or she must first terminate his or her Wealtheo™ business before acquiring any interest in a different Wealtheo™ business.
  4. Before the transfer can be finalized and approved by Wealtheo™, any debt obligations the selling party has with Wealtheo™ must be satisfied.
  5. 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 Consultant must notify Wealtheo™’s Corporate Department in writing and advise of his or her intent to transfer his/her Wealtheo™ business. The transferring Consultant 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. No changes in line of sponsorship can result from the transfer of a Wealtheo™ business. In the event that a Consultant 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™.

5.23 Separation of a Wealtheo™ Business

Wealtheo™ Consultants 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:

  1. 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.
  2. 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 Consultants in their former organization or to any former Customer. They must develop the new business in the same manner as would any other new Consultant.

5.24 Sponsoring Online

When sponsoring a new Consultant through the online enrollment process, the sponsor may assist the new applicant in filling out the enrollment materials. However, the applicant must personally review and agree to the online application and agreement, Wealtheo™’s Policies and Procedures, and the Wealtheo™ Compensation Plan. The sponsor may not fill out the online Consultant Application and Agreement on behalf of the applicant and agree to these materials on behalf of the applicant.

5.25 Succession

Upon the death or incapacitation of a Consultant, 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, a Consultant 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 Consultant’s organization provided the following qualifications are met. The successor(s) must be an individual and:

  1. Execute a Consultant Agreement;
  2. Comply with terms and provisions of the Agreement;
  3. Meet all of the qualifications for the deceased Consultant’s status;
  4. 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 a Consultant was a Vice President or higher and bequeathed the business to multiple beneficiaries, the formed entity must sell the Wealtheo™ business to either (i) an individual who was a beneficiary of Consultant’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.

5.25.1 Transfer Upon Death of a Consultant

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.

5.25.2 Transfer Upon Incapacitation of a Consultant

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 Consultant Agreement executed by the trustee.

5.26 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 Consultants 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, Consultants 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:

  1. If the Consultant has an established business relationship with the prospect. An “established business relationship” is a relationship between a Consultant and a prospect based on the prospect’s purchase of goods or services from the Consultant, or a financial transaction between the prospect and the Consultant, within the eighteen (18) months immediately preceding the date of a telephone call to induce the prospect’s purchase of a product or service.
  2. The prospect’s personal inquiry or application regarding a product or service offered by the Consultant, within the three (3) months immediately preceding the date of such a call.
  3. If the Consultant receives written and signed permission from the prospect authorizing the Consultant to call. The authorization must specify the telephone number(s) which the Consultant is authorized to call.
  4. 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.
  5. Consultants shall not use automatic telephone dialing systems or software relative to the operation of their Wealtheo™ businesses.
  6. Consultants 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.

5.27 Back Office Access

Wealtheo™ makes online back offices available to its Consultants and Affiliates. Back offices provide Consultants and Affiliates access to confidential and proprietary information that may be used solely and exclusively to promote the development of a Consultant’s or Affiliate’s Wealtheo™ business and to increase sales of Wealtheo™ products. However, access to a back office is a privilege, and not a right. Wealtheo™ reserves the right to deny Consultants’ or Affiliates’ access to the back office at its sole discretion.

5.28 Unauthorized Communication

In the excitement and enthusiasm of working his or her Wealtheo™ business, a Consultant 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.

SECTION 6 – RESPONSIBILITIES OF CONSULTANTS

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. Consultants 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 Consultant Services Department. To guarantee proper delivery, two weeks advance notice must be provided to Wealtheo™ on all changes. Additionally, Consultant’s contact information changes must be amended in their Consultant Back Office.

6.2 Continuing Development Obligations

6.2.1 Ongoing Training

Any Consultant who sponsors another Consultant into Wealtheo™ must perform a bona fide assistance and training function to ensure that his or her downline is properly operating his or her Wealtheo™ business. Consultants must have ongoing contact and communication with the Consultants in their Downline Organizations. Examples of such contact and communication may include, but are not limited to: newsletters, written correspondence, personal meetings, telephone contact, voice mail, electronic mail, and the accompaniment of downline Consultants to Wealtheo™ meetings, training sessions, and other functions. Upline Consultants are also responsible to motivate and train new Consultants in Wealtheo™ product knowledge, effective sales techniques, the Wealtheo™ Compensation Plan, and compliance with Company Policies and Procedures and applicable laws. Communication with and the training of downline Consultants must not, however, violate Sections 5 (regarding the development of Consultant-produced sales aids and promotional materials).

Consultants should monitor the Consultants in their Downline Organizations to guard against downline Consultants making improper product or business claims, violation of the Policies and Procedures, or engaging in any illegal or inappropriate conduct.

6.2.2 Increased Training Responsibilities

As Consultants progress through the various levels of leadership, they will become more experienced in sales techniques, product knowledge, and understanding of the Wealtheo™ program. They will be called upon to share this knowledge with lesser experienced Consultants within their organization.

6.2.3 Ongoing Sales Responsibilities

Regardless of their level of achievement, Consultants have an ongoing obligation to continue to personally promote sales through the generation of new customers and through servicing their existing customers.

6.2.4 Reporting Policy Violations

Consultants who are aware of a violation of these Policies and Procedures by another Consultant must submit a written report of the violation directly to the attention of Wealtheo™’s Compliance Department by mail or email at compliance@Wealtheo.com. Details of the incident in question such as dates, number of occurrences, persons involved, and any supporting documentation should be included in the report. Any incident reported to the Compliance Department must have supporting documentation such as images, screenshots, text messages, emails, etc.. Any incident reported without proper supporting documentation will not be reviewed.

6.3 Non-disparagement

Wealtheo™ wants to provide its independent Consultants 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 Consultants about the Company, its products, or compensation plan serve no purpose other than to sour the enthusiasm of other Wealtheo™ Consultants.

For this reason, and to set the proper example for their downline, during the term of this Agreement and at any time thereafter, Consultant agrees not make any false, derogatory, demeaning or disparaging statements (collectively “disparage”) or encourage or induce others to disparage Wealtheo™, other Wealtheo™ Consultants, the Compensation Plan or any of Wealtheo™’s past and present owners, officers, directors, employees or products (the “Company Parties”). Consultants 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 and Compensation Plan, Customers, Consultants 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 6.3, the term “disparage” includes, without limitation, comments or statements to the press, any media outlet, industry group, financial institution, the Wealtheo™’s Consultants, employees or to any individual or entity with whom Wealtheo™ has a business relationship (including, without limitation, any vendor, supplier, Customer, Consultant 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 5.3 shall prevent a Consultant 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 Consultant.

6.4 Providing Documentation to Applicants

Consultants must provide the most current version of the Policies and Procedures and the Compensation Plan to individuals whom they are sponsoring to become Consultants before the applicant signs a Consultant Agreement, or ensure that they have online access to these materials.

SECTION 7 – SALES REQUIREMENTS

7.1 Product Sales

The Wealtheo™ Compensation Plan is based on the sale of Wealtheo™ products and services to end consumers. Consultants must fulfill personal and Organization retail sales requirements (as well as meet other responsibilities set forth in the Agreement) to be eligible for bonuses, commissions and advancement to higher levels of achievement.

7.2 No Territory Restrictions

There are no exclusive territories granted to anyone.

7.3 Sales Receipts

All Consultants must provide their retail customers with two copies of an official Wealtheo™ sales receipt at the time of the sale. These receipts set forth the Customer Satisfaction Guarantee as well as any consumer protection rights afforded by federal or state law. Records documenting the purchases of Consultants, Affiliates, and Customers will be maintained by Wealtheo™.

7.4 Granting Online Product Access

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.

SECTION 8 – BONUSES AND COMMISSIONS

8.1 Bonus and Commission Qualifications and Accrual

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

8.2 Adjustment to Bonuses and Commissions

8.2.1 Adjustments for Returned Products and Cancelled Services

Consultants receive bonuses, commissions, or overrides based on the actual sales of products and services to end consumers. When a service is cancelled 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 bonuses, commissions, or overrides attributable to the returned or repurchased product(s) or cancelled service will be deducted from payments to the Consultant and upline Consultants who received bonuses, commissions, or overrides on the sales of the refunded product(s) or cancelled service, in the month in which the refund is given, and continuing every pay period thereafter until the commission is recovered; (2) the Consultant or upline Consultants who earned bonuses, commissions, or overrides based on the sale of the returned product(s) or cancelled service will have the corresponding points deducted from their Team Volume in the next month and all subsequent months until it is completely recovered; or (3) the bonuses, commissions, or overrides attributable to the returned or repurchased product(s) or cancelled service may be deducted from any refunds or credits to the Consultant who received the bonuses, commissions, or overrides on the sales of the refunded product(s) or cancelled 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 bonuses, commissions, or overrides on the sales of the refunded product(s) or cancelled service(s) from the Consultant or upline Consultants who received them, the Company shall be entitled to assert a claim against such Consultant(s) for payment.

8.2.2 Commission Payments

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

8.2.3 Tax Withholdings

If a Consultant fails to provide his or her correct tax identification number, Wealtheo™ will deduct the necessary withholdings from the Consultant’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.

ALL PERSONAL AND GROUP SALES VOLUME INFORMATION IS PROVIDED “AS IS” WITHOUT WARRANTIES, EXPRESS OR IMPLIED, OR REPRESENTATIONS OF ANY KIND WHATSOEVER. IN PARTICULAR BUT WITHOUT LIMITATION THERE SHALL BE NO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE, OR NON‑INFRINGEMENT.

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WEALTHEO™ AND/OR OTHER PERSONS CREATING OR TRANSMITTING THE INFORMATION WILL IN NO EVENT BE LIABLE TO ANY CONSULTANT OR ANYONE ELSE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES THAT ARISE OUT OF THE USE OF OR ACCESS TO PERSONAL AND/OR GROUP SALES VOLUME INFORMATION (INCLUDING BUT NOT LIMITED TO LOST PROFITS, BONUSES, OR COMMISSIONS, LOSS OF OPPORTUNITY, AND DAMAGES THAT MAY RESULT FROM INACCURACY, INCOMPLETENESS, INCONVENIENCE, DELAY, OR LOSS OF THE USE OF THE INFORMATION), EVEN IF WEALTHEO™ OR OTHER PERSONS CREATING OR TRANSMITTING THE INFORMATION SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, WEALTHEO™ OR OTHER PERSONS CREATING OR TRANSMITTING THE INFORMATION SHALL HAVE NO RESPONSIBILITY OR LIABILITY TO YOU OR ANYONE ELSE UNDER ANY TORT, CONTRACT, NEGLIGENCE, STRICT LIABILITY, PRODUCTS LIABILITY OR OTHER THEORY WITH RESPECT TO ANY SUBJECT MATTER OF THIS AGREEMENT OR TERMS AND CONDITIONS RELATED THERETO.

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.

SECTION 9 – PRODUCT GUARANTEES, RETURNS AND INVENTORY REPURCHASE

9.1 Product Guarantee

Wealtheo™ offers a no questions asked 3-day money-back guarantee refund for all un-accessed Wealtheo™ products. Every Consultant is bound to honor the retail customer guarantee.

If a Consultant returns more than two Wealtheo™ products for a refund in any 12 consecutive month period, the request will constitute the Consultant’s voluntary termination of his/her Consultant Agreement, the Consultant’s Agreement will be terminated and his or her Wealtheo™ business will be cancelled.

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 a Consultant makes a sale or takes an order from a retail customer who cancels or requests a refund within the three-business day period, the Consultant 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.

9.2.2 Affiliates

Consultants must notify their Affiliates that they have 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) within which to cancel their purchase and receive a full refund upon return of the un-accessed products the same as when they were delivered. Consultants should also notify their Affiliates about these time limits at the time they enroll as an Affiliate and place their first order. Sales tax is not refundable.

9.2.3 Informing Customers

Consultants MUST verbally inform their customers (retail, Affiliates, and Consultants) of this right of rescission, they MUST provide their retail customers with TWO copies of a retail receipt at the time of the sale, and MUST point out this cancellation right stated on the receipt. If a Customer places an order online, the Company will provide the Customer with the receipt. Consultants must ensure that the date of the order or purchase is entered on the Retail Sales Receipt. All retail customers must be provided with two copies of an official Wealtheo™ Retail Sales Receipt at the time of the sale. The back of the receipt provides the customer with written notice of his or her rights to cancel the sales agreement.

9.3 Procedures for All Merchandise Returns

The following procedures apply to all merchandise returns for refund, repurchase, or exchange:

  1.  All items must be returned by the Consultant or customer who purchased it directly from Wealtheo™.
  2. 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 Consultant. If the returned items are not received by the Company’s Distribution Center, it is the responsibility of the Consultant to trace the shipment. 

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

SECTION 10 – DISPUTE RESOLUTION AND DISCIPLINARY PROCEEDINGS

10.1Disciplinary 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 a Consultant or 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 Consultant’s or Affiliate’s Wealtheo™ business), may result, at Wealtheo™’s discretion, in one or more of the following corrective measures:

  1. Issuance of a written warning or admonition;
  2. Requiring the Consultant or Affiliate to take immediate corrective measures;
  3. Imposition of a fine, which may be withheld from bonus and commission checks;
  4. Loss of rights to one or more bonus and commission checks;
  5. Wealtheo™ may withhold from a Consultant or Affiliate all or part of the Consultant’s or Affiliate’s bonuses and commissions during the period that Wealtheo™ is investigating any conduct allegedly violative of the Agreement. If a Consultant’s or Affiliate’s business is canceled for disciplinary reasons, the Consultant or Affiliate will not be entitled to recover any commissions withheld during the investigation period;
  6. Suspension of the individual’s Consultant Agreement or Affiliate Agreement for one or more pay periods;
  7. Permanent or temporary loss of, or reduction in, the current and/or lifetime rank of a Consultant (which may subsequently be re-earned by the Consultant);
  8. Transfer or removal of some or all of a Consultant’s or Affiliate’s downline Consultants from the offending Consultant’s or Affiliate’s downline organization.
  9. Involuntary termination of the offender’s Consultant Agreement or Affiliate Agreement;
  10. Suspension and/or termination of the offending Consultant’s Wealtheo™ website or website access, or Affiliate’s link or website access;
  11. 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 Consultant’s or Affiliate’s policy violation or contractual breach;
  12. In situations deemed appropriate by Wealtheo™, the Company may institute legal proceedings for monetary and/or equitable relief.

10.2Grievances and Complaints

When a Consultant has a grievance or complaint with another Consultant regarding any practice or conduct in relationship to their respective Wealtheo™ businesses, the complaining Consultant should first report the problem to his or her Sponsor who should review the matter and try to resolve it with the other party’s upline sponsor. If the matter involves interpretation or violation of Company policy, it must be reported in writing to the Consultant Services Department at the Company. The Consultant Services Department will review the facts and attempt to resolve it.

10.3Mediation

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.

10.4Arbitration

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:

  1. The Federal Rules of Evidence shall apply in all cases;
  2. The Parties shall be entitled to all discovery rights permitted by the Federal Rules of Civil Procedure;
  3. The Parties shall be entitled to bring motions under Rules 12 and/or 56 of the Federal Rules of Civil Procedure;
  4. 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;
  5. 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:

  1. The substance of, or basis for, the controversy, dispute, or claim;
  2. The content of any testimony or other evidence presented at an arbitration hearing or obtained through discovery in arbitration;
  3. The terms or amount of any arbitration award;
  4. 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.

10.5 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.

10.5.1 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.

SECTION 11 – PAYMENTS

11.1Sales Taxes

Wealtheo™ is required to charge sales taxes on all purchases made by Consultants, Affiliates, and Customers, and remit the taxes charged to the respective states. Accordingly, Wealtheo™ will collect and remit sales taxes on behalf of Consultants and 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 a Consultant 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 Consultant (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.

SECTION 12 – INACTIVITY AND TERMINATION

12.1 – Effect of Termination

So long as a Consultant remains active and complies with the terms of the Consultant Agreement and these Policies and Procedures, Wealtheo™ shall pay commissions to such Consultant in accordance with the Compensation Plan. A Consultant’s bonuses and commissions constitute the entire consideration for the Consultant’s efforts in generating sales and all activities related to generating sales (including building a downline organization). Following a Consultant’s non-renewal of his or her Consultant Agreement, termination for inactivity, or voluntary or involuntary termination of his or her Consultant Agreement (all of these methods are collectively referred to as “termination”), the former Consultant shall have no right, title, claim or interest to the organization which he or she operated, or any commission or bonus from the sales generated by the organization. A Consultant whose business is cancelled will lose all rights as a Consultant. This includes the right to sell Wealtheo™ products and services and the right to receive future commissions, bonuses, or other income resulting from the sales and other activities of the Consultant’s former downline sales organization. In the event of termination, Consultants agree to waive all rights they may have, including but not limited to property rights, to their former downline organization and to any bonuses, commissions or other remuneration derived from the sales and other activities of his or her former downline organization.

Following a Consultant’s termination of his or her Consultant Agreement, the former Consultant shall not hold himself or herself out as a Wealtheo™ Consultant and shall not have the right to sell Wealtheo™ products or services. A Consultant whose business is canceled shall receive commissions and bonuses only for the last full pay period he or she was active prior to termination (less any amounts withheld during an investigation preceding an involuntary termination).

12.2Termination Due to Inactivity

12.2.1 Failure to Meet PV Quota

If a Consultant fails to personally generate at least 325 PPV for twelve consecutive months, his or her Consultant Agreement shall be canceled for inactivity.

12.2.2 Failure to Earn Commissions

If a Consultant has not earned a commission for twelve consecutive months (and thus become “inactive”), his or her Consultant Agreement shall be canceled for inactivity.

12.2.3 Failure to Pay Website Fees

If a Consultant fails to pay his/her replicated website fees, he/she will be inactive and not eligible to earn commissions that month. If replicated website fees are not paid for six consecutive months, the Consultant will be cancelled for inactivity.

12.3 Involuntary Termination

A Consultant’s violation of any of the terms of the Agreement, including any amendments that may be made by Wealtheo™ in its sole discretion, may result in any of the sanctions listed in Section 9, including the involuntary termination of his or her Consultant Agreement. Termination shall be effective on the date on which written notice is mailed, emailed, faxed, or delivered to an express courier, to the Consultant’s last known address, email address, or fax number, or to his/her attorney, or when the Consultant receives actual notice of termination, whichever occurs first.

Wealtheo™ reserves the right to terminate all Consultant Agreements upon thirty (30) days written notice in the event that it elects to: (1) cease business operations; (2) dissolve as a corporate entity; or (3) terminate distribution of its products via direct selling.

12.4 Voluntary Termination

A participant in this marketing plan has a right to cancel at any time, regardless of reason. Termination must be submitted in writing to the Company at its principal business address. The written notice must include the Consultant’s signature, printed name, address, and Consultant I.D. Number. In addition to written termination, Consultants who have consented to Electronic Contracting will cancel their Consultant Agreement should they withdraw their consent to contract electronically.

12.5 Non-renewal

A Consultant may also voluntarily cancel his or her Consultant Agreement by failing to renew the Agreement on its anniversary date or by failing to pay his/her annual renewal fee. The Company may also elect not to renew a Consultant’s Agreement upon its anniversary date.

12.6 Exceptions to Activity Requirements

12.6.1 Maternity

A pregnant Consultant shall be exempt from meeting her Personal Point Volume and Personal Retail Sales Volume requirements for a period of three months prior to and four (4) months following the birth of a child. The Consultant should notify the Consultant Services Department to request a Maternity Waiver Form.

12.6.2 Military Deployment

Military personnel shall be exempt from meeting their Personal Volume and Personal Retail Sales Volume requirements for the duration of the deployment and four (4) full calendar months thereafter while deployed into a foreign country. The Consultant should notify the Consultant Services Department to request a Deployment Waiver Form.

SECTION 13 – DEFINITIONS

Active Consultant — A Consultant who satisfies the minimum Personal Point Volume and Personal Retail Sales requirements, as set forth in the Wealtheo™ Compensation Plan, to ensure that he or she is eligible to receive bonuses and commissions.

Active Rank (Paid-As Rank) — The term “active rank” refers to the current rank of a Consultant, as determined by the Wealtheo™ Compensation Plan, for a particular pay period. To be considered “active” relative to a particular rank, a Consultant must meet the criteria set forth in the Wealtheo™ Compensation Plan for his or her respective rank. (See the definition of “Rank” below.)

Agreement – The contract between the Company and each Consultant or Affiliate includes the Consultant Application and Agreement Terms and Conditions, Affiliate Application and Agreement Terms and Conditions, the Wealtheo™ Policies and Procedures, and the Wealtheo™ Compensation Plan, 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.

Downline — Your downline (or downline organization) consists of the Consultants you personally enroll or sponsor (your first level Consultants), the Consultants that first level Consultants enroll or sponsor, as well as the Consultants that are subsequently enrolled or sponsored beneath them.

Downline Leg — Each one of the individuals personally enrolled immediately underneath you and their respective organizations represents one “leg” in your organization.

Enroll — The act of introducing a prospective Consultant or Affiliate to Wealtheo™ and assisting him or her to execute a Consultant Application and Agreement or Affiliate Application and Agreement, and thereby become a Wealtheo™ Consultant or Affiliate. (Also see the definition of “Sponsor.”) These activities are called “enrolling.”

Enroller — The person who enrolls a prospective Consultant into Wealtheo™.

Group Volume — The commissionable value of services and products purchased by the Customers and Consultants in the downline of a particular Consultant.

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

Level — The layers of downline Customers and Consultants in a particular Consultant’s downline. This term refers to the relationship of a Consultant relative to a particular upline Consultant, determined by the number of Consultants between them who are related by sponsorship. For example, if A enrolls B, who enrolls C, who enrolls D, who enrolls E, then E is on A’s fourth level.

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

Personal Volume — The commissionable value of services and products purchased by: (1) a personally enrolled Consultant; (2) the Consultant’s personally enrolled Affiliates; and (3) the Consultant’s personal Retail Customers who purchase from the Consultant’s Wealtheo™ replicated website.

Rank (Earned Rank) — The “title” that a Consultant holds pursuant to the Wealtheo™ Compensation Plan. “Title Rank” refers to the highest rank a Consultant has achieved in the Wealtheo™ compensation plan at any time. “Achievement” rank refers to the rank at which a Consultant is qualified to earn commissions and bonuses during the current pay period.

Recruit — For purposes of Wealtheo™’s Conflict of Interest Policy (Section 5.10), the term “Recruit” means the actual or attempted sponsorship, solicitation, enrollment, encouragement, or effort to influence in any other way, either directly, indirectly, or through a third party, another Wealtheo™ Consultant or Customer to enroll or participate in another multilevel marketing, network marketing or direct sales opportunity.

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

Resalable — Products and Sales aids shall be deemed “resalable” if each of the following elements is satisfied: 1) they are unopened/un-accessed and unused; 2) packaging and labeling has not been altered or damaged; 3) they are in a condition such that it is a commercially reasonable practice within the trade to sell the merchandise at full price; 4) it is returned to Wealtheo™. Any merchandise that is clearly identified at the time of sale as nonreturnable, discontinued, or as a seasonal item, shall not be resalable.

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

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.

Sponsor — A Consultant under whom an Enroller places a new Consultant or Affiliate, and is listed as the Sponsor on the Consultant Application and Agreement or Affiliate Application and Agreement.

Upline — This term refers to the Consultant or Consultants above a particular Consultant in a sponsorship line up to the Company. Conversely stated, it is the line of sponsors that links any particular Consultant to the Company.

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.

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    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

PLEASE CAREFULLY READ THESE TERMS OF USE AND THE PRIVACY POLICY, LOCATED AT http://www.wealtheo.com/privacy, BEFORE USING THIS WEBSITE OR PURCHASING ANY PRODUCTS OR SERVICES FROM Wealtheo. BY USING THIS SITE, YOU AGREE TO THESE TERMS OF USE. IF YOU DO NOT ACCEPT THESE TERMS OF USE, DO NOT USE THIS SITE.

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.

YOUR USE OF OUR SITE CONSTITUTES YOUR AGREEMENT TO BE BOUND BY THESE TERMS. PLEASE READ THEM CAREFULLY BEFORE USING THE SITE. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, YOU MUST NOT USE OUR SITE. IF YOU ARE A CONSULTANT OR AFFILIATE, YOU ARE BOUND BY ADDITIONAL TERMS AND CONDITIONS CONTAINED IN YOUR WEALTHEO CONSULTANT AGREEMENT OR AFFILIATE AGREEMENT, AND THE WEALTHEO POLICIES AND PROCEDURES.

  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 customerservice@wealtheo.com. 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: tshelander@wealtheo.com
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 http://www.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

ALL CONTENT INCLUDED IN OR AVAILABLE THROUGH THIS SITE (THE “CONTENT”) IS PROVIDED “AS IS” AND “AS AVAILABLE” AND WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, AVAILABILITY, SECURITY, COMPATABILITY, AND NONINFRINGEMENT. WE DO NOT WARRANT THAT THE CONTENT IS ACCURATE, ERROR-FREE, RELIABLE OR CORRECT, THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE SUCH CONTENT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THIS SITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF ANY CONTENT. YOU HEREBY IRREVOCABLY WAIVE ANY CLAIM AGAINST US WITH RESPECT TO CONTENT AND ANY CONTENT YOU PROVIDE TO THIRD PARTY SITES (INCLUDING CREDIT CARD AND OTHER PERSONAL INFORMATION). WE MAY IMPROVE OR CHANGE THE PRODUCTS AND SERVICES DESCRIBED IN THIS SITE AT ANY TIME WITHOUT NOTICE. WE ASSUME NO RESPONSIBILITY FOR AND DISCLAIM ALL LIABILITY FOR ANY ERRORS OR OMISSIONS IN THIS SITE OR IN OTHER DOCUMENTS WHICH ARE REFERRED TO WITHIN OR LINKED TO THIS SITE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

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

UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE, SHALL WE, OUR LICENSORS OR LICENSEES, OR ANY OF THE FOREGOING ENTITIES’ RESPECTIVE RESELLERS, CONSULTANTS, AFFILIATES, SERVICE PROVIDERS OR SUPPLIERS, BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, PERSONAL INJURY (INCLUDING DEATH) AND PROPERTY DAMAGE OF ANY NATURE WHATSOEVER, THAT RESULT FROM (A) THE USE OF, OR THE INABILITY TO USE, THIS SITE OR CONTENT, OR (B) THE CONDUCT OR ACTIONS, WHETHER ONLINE OR OFFLINE, OF ANY OTHER USER OF THE SITE OR ANY OTHER PERSON OR ENTITY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE EXCEED THE AMOUNT PAID BY YOU, IF ANY, OR $100 (WHICHEVER IS LESS) FOR ACCESSING OR PARTICIPATING IN ANY ACTIVITY RELATED TO THE SITE. MOREOVER, UNDER NO CIRCUMSTANCES SHALL WE, OUR LICENSORS OR LICENSEES, OR ANY OF THE FOREGOING ENTITIES’ RESPECTIVE RESELLERS, CONSULTANTS, AFFILIATES, SERVICE PROVIDERS OR SUPPLIERS, BE HELD LIABLE FOR ANY DELAY OR FAILURE IN PERFORMANCE RESULTING DIRECTLY OR INDIRECTLY FROM AN ACT OF FORCE MAJEURE OR CAUSES BEYOND OUR OR THEIR REASONABLE CONTROL.

WE MAY TERMINATE YOUR FURTHER ACCESS TO THE SITE OR CHANGE THE SITE OR DELETE CONTENT OR FEATURES IN ANY WAY, AT ANY TIME AND FOR ANY REASON OR NO REASON.

THE LIMITATIONS, EXCLUSIONS AND DISCLAIMERS IN THIS SECTION AND ELSEWHERE IN THESE TERMS OF USE APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

  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

YOU AGREE THAT ANY CAUSE OF ACTION YOU MAY HAVE ARISING OUT OF OR RELATED TO THESE TERMS OF USE OR THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION SHALL BE PERMANENTLY BARRED.

  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: customerservice@wealtheo.com

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.

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