AGENT AGREEMENT

POLICIES & PROCEDURES 

SECTION ONE: INDEPENDENT AGENT STATUS

1.01 BECOMING AN INDEPENDENT AGENT

An applicant becomes an Independent Agent ("Independent Agent") of  Renue Financial ("Company") when the applicant's completed Agreement has been received and accepted by Renue Financial, by Internet or by mail, at its corporate office. Renue Financial reserves the right to decline any Agreement for any reason, at its sole discretion.

Independent Agent uses his/her best effort to promote and sell services and products of  Renue Financial to consumers pursuant to the Agreement contained within these Policies and Procedures and Terms and Conditions. In doing so, an Independent Agent will maintain the high standards of honesty, integrity and business ethics when dealing with Consumers, Renue Financial or other Renue Financial Independent Agents.

1.02 INDEPENDENT AGENT OBLIGATIONS & RIGHTS

Independent Agents are authorized to sell Renue Financial services and products to participate in the Independent Agent's Compensation Plan. Independent Agents may sponsor new Independent Agents.

1.03 LEGAL AGE

Independent Agents must be of legal age in the state / province / country of their residence.

1.04 DIVORCE

When a couple sharing Independent Agent entity divorces or separates, Renue Financial will continue to pay commission checks in the same manner as before the di­vorce or separation until it receives written notice signed by both parties or a court decree which specifies how future commission checks should be paid, provided and if applicable, the couple has complied with the requirements of Section 5.03.

1.05 CORPORATIONS, PARTNERSHIPS & TRUSTS

Corporations, partnerships, limited liability companies or other forms of business organizations or trusts may become Independent Agents of Renue Financial when the Agreement is accompanied by a federal ID number.

Shareholders, directors, officers, partners, members, beneficiaries and trustees, as applicable of an Independent Agent entity must agree to hold such title, and Renue Financial will hold each personally liable and bound by the Agreement and these Policies and Procedures and Terms and Conditions.

1.06 FICTITIOUS OR ASSUMED NAMES

A person or entity may not apply as an Independent Agent using a fictitious or assumed name.

1.07 INDEPENDENT CONTRACTOR STATUS

Independent Agents are Independent Contractors responsible for determining their own activities without direction or control by Renue Financial. They are not franchisees, joint venture, partners, employees or agents of Renue Financial and are prohibited from stating or implying, whether orally or in writing, otherwise. Independent Agents have no authority to bind Renue Financial to any obligation. Renue Financial is not responsible for pay­ment or co-payment of any employee benefits. Independent Agents are responsible for liability, health disability and worker's compensation insurance. Independent Agents set their own hours and determine how to conduct business, subject to Renue Financial Agreement, Policies and Procedures and Terms and Conditions.

1.08 TAXATION

As Independent Contractors, Independent Agents will not be treated as franchi­sees, owners, employees or agents of Renue Financial for federal or state tax purposes including, with respect to the Internal Revenue Code, Social Security Act, federal unemployment act, state unemployment acts or any other federal, state, or local statute, ordinance, rule or regulation. At the end of each calen­dar year, Renue Financial will issue to each Independent Agent an IRS Form 1099, as required by law, or other applicable documentation for non-employee compensation as an Independent Agent.

1.09 INDEPENDENT AGENT IDENTIFICATION NUMBER

Independent Agents are required by federal law to obtain a Social Security num­ber or Federal ID number. Independent Agents will be identified by this number, or a company assigned number, for purposes of Renue Financial business. The Independent Agent Identification Number must be placed on all orders and correspondence with Renue Financial.

1.10 LEGAL COMPLIANCE

Independent Agents must comply with all federal, state and local statutes, regula­tions and ordinances concerning the operation of their business. Independent Agents are responsible for their own managerial decisions and expenditures in­cluding all estimated income and self-employment taxes.

1.11 NO EXCLUSIVE TERRITORIES

No franchise is granted and there are no exclusive territories for sales or sponsoring purposes. No geographical limitations exist on spon­soring or selling within the United States; provided, however, that Renue Financial re­serves the right not to sell product or services or contract with Independent Agents in specified states / provinces within United States.

SECTION TWO: TERM & RENEWAL

2.01 TERM

Subject to the terms of Section 4.01, the Agreement shall have a term which shall begin on the date of acceptance by Company and end one year from the date thereof (the “Anniversary Date”).

2.02 RENEWAL

Independent Agents must renew annually, on the Anniversary Date and Independent Agent has the right to decline to accept any renewal at its sole discretion. Company may require that Independent Agents execute a new Agreement upon renewal. Independent Agents not renewing by the renewal date shall be deemed to have voluntarily terminated their Independent Agent rela­tionship with The Company, and thereby lose their Independent Agent entity, all sponsorship rights, their position in the Compensation Plan and all rights to com­missions and bonuses. Independent Agents who fail to renew their Independent Agent sta­tus may not reapply under a new sponsor for three (3) months after non-renewal.

SECTION THREE: SPONSORSHIP

3.01 SPONSORING

Independent Agents may sponsor other Independent Agents into Company's business. Independent Agents must ensure that each potential new Independent Agent has reviewed and has had access to the current Policies and Procedures, Terms and Conditions and Com­pensation Plan prior to or when giving the individual an Agreement.

3.02 MULTIPLE AGREEMENTS

If an applicant submits multiple Independent Agents which list different sponsors, only the first completed Agreement received by The Company will be acc­epted.

3.03 TRAINING REQUIREMENT

A Sponsor must maintain an ongoing professional leadership association with Independent Agents in his or her organization and must fulfill the obligation of performing a bona fide supervisory or sales function in the sale or delivery of services and products 

3.04 INCOME CLAIMS

Independent Agents must truthfully and fairly describe the Compensation Plan. No past, potential or actual income claims may be made to prospective Independent Agents, nor may Independent Agents use their own incomes as indications of the success assured to others. Commission checks may not be used as mar­keting materials. Independent Agents may not guarantee commissions or estimate expenses to prospects.

3.05 TRANSFER OF SPONSORSHIP

The company does not permit the transfer of sponsors. Network Marketing is a business of creating relationships. Once a Independent Agent is sponsored, the company believes in maximum protection of that relationship. The only exception is upon prior written ap­proval of The Company to correct ethical violations as determined at the sole discre­tion of The Company.

3.06 CROSS SPONSORING

Independent Agent may not sponsor, or attempt to sponsor, any non personally sponsored independent agents in any other Network Marketing Company. In addition, no Independent Agent may participate in any action that causes another Independent Agent to be sponsored through someone else into another network marketing company.

SECTION FOUR: RESIGNATION/TERMINATION

4.01 VOLUNTARY RESIGNATION

a) Independent Agent may voluntarily terminate his or her Independent Agent status by failing to renew or by sending thirty (30) days written notice of such resignation or termination to Company. Voluntary resignation is effective upon receipt of such notice by Company.

b) Independent Agent who resigns or terminates their Independent Agent status may reapply as Independent Agent, three (3) months after resignation.

4.02 SUSPENSION

Independent Agent may be suspended for violating the terms of his or her Agree­ment, which includes these Policies and Procedures, the Terms and Conditions and the Compensation Plan and other documents produced by Company. When a decision is made to sus­pend Independent Agent, Company will inform the Independent Agent in writing that the sus­pension has occurred effective as of the date of the written notification, the reason for the suspension and the steps necessary to remove such suspen­sion (if any). The suspension notice will be sent to the Independent Agents “address on file” pursuant to the notice provisions contained in the Policies and Procedures and Terms and Conditions. Such suspension may or may not lead to termination of the Independent Agent as so determined by Company at its sole discretion. If the Independent Agent wishes to appeal, Company must receive such appeal in writing within fifteen (15) days from the date of the suspension notice. Company will re­view and consider the suspension and notify the Independent Agent in writing of its decision within thirty (30) days from the date of the suspension notice. The decision of Company will be final and subject to no further review. Company may take certain action during the suspension period, including, but not limited to, the following:

a) Prohibiting the Independent Agent from holding himself or herself as Independent Agent or using any of Company's proprietary marks and/or materials;

b) Withholding commissions and bonuses that are due to the Independent Agent during the suspension period;

c) Prohibiting the Independent Agent from purchasing services and products from Company; and/or;

d) Prohibiting the Independent Agent from sponsoring new Independent Agents, con­tacting current Independent Agents or attending meetings of Independent Agents.

e)Prohibited acts; commission gaming, commission fraud. At no time shall independent agent gain the system by holding clients for the purpose of receiving commission at a later date. 

If Company, at its sole discretion, determines that the violation which caused the suspension is continuing, and has not satisfactorily been resolved or a new violation involving the suspended Independent Agent has occurred, the suspended Independent Agent may be terminated.

4.03 TERMINATION

Independent Agent may be immediately terminated for violating the terms of his or her Agreement, which includes these Poli­cies and Procedures, Terms and Conditions and the Compensation Plan and other documents produced by Company upon written notice. Company may terminate a violating Independent Agent with­out placing the Independent Agent on suspension, at Company's sole discretion. When the decision is made to terminate Independent Agent, Company will inform the Independent Agent in writing at the address in the Independent Agent's file that the termination has occurred.

4.04 APPEAL

If Independent Agent wishes to appeal the termination, Company must receive the appeal in writing within fifteen (15) days from the date of notice of termina­tion. If no appeal is received within the fifteen (15) day period, the termina­tion will automatically be deemed final. If Independent Agent files a timely notice of appeal, Company will review the appeal and notify the Independent Agent of its deci­sion within ten (10) days after receipt of the appeal. The decision of Company will be final and subject to no further review. In the event the termination is not rescinded, the termination will remain effective as of the date stated in the original termination notice.

4.05 EFFECT OF TERMINATION

Immediately upon termination, the terminated Independent Agent:

a) Must remove and permanently discontinue the use of the trademarks, service marks, trade names and any signs, labels, stationary or advertising referring to or relating to any product, plan or program of Company.

b) Must cease representing themselves as Independent Agent of Company;

c) Loses all rights to his or her Independent Agent position in the Com­pensation Plan and to all future commissions and earnings resulting there­from;

d) Must take all action reasonably required by Company relating to protection of Company's confidential information. Company has the right to offset any amounts owed by Independent Agent to Company including, without limitation, any indemnity obligation incurred pursuant to Section 11.01 herein, from commissions or other compensation due to the Independent Agent.

4.06 REAPPLICATION

The acceptance of any reapplication of a terminated Independent Agent or the application of any family member of a terminated Independent Agent shall be at the sole discretion of Company and can be denied.

4.07 STATE LAWS

Where state laws on termination are inconsistent with this policy, the applicable state law shall apply.

SECTION FIVE: TRANSFERABILITY

5.01 ACQUISITION OF BUSINESS

Any Independent Agent desiring to acquire an interest in another Independent Agent's business must first terminate his or her Independent Agent status and wait three (3) months before becoming eligible for such a purchase. All such transactions must be fully disclosed and must be approved by Company in advance.

5.02 TRANSFERS OF INDEPENDENT AGENTS

Except as expressly set forth herein, Independent Agent may not sell, assign or otherwise transfer his or her Independent Agent entity (or rights thereof) to another Independent Agent or to an individual which has an interest in Independent Agent entity. Notwithstanding the foregoing, Independent Agent may transfer his or her Independent Agent entity to his or her sponsor, subject to the conditions of Section 5.03. In such an event, the sponsor's entity and the transferring Independent Agents entity shall be merged into one entity.

5.03 CONDITIONS TO TRANSFERABILITY

Independent Agents may not sell, assign, merge or transfer his or her Independent Agent entity (or rights thereto) without the prior written approval of Company and com­pliance with the following conditions:

a) Company possesses the right of first refusal with respect to any sale, assign­ment, transfer or merger of any Independent Agent entity. Independent Agent wishing to sell, assign, transfer or merge his or her Independent Agent entity must first provide Company with the right and option to make such a purchase or receive such transfer in writing on the same terms and conditions as any outstanding or intended offer. Company will advise the Independent Agent within ten (10) business days after re­ceipt of such notice of its decision to accept or reject the offer. If Company fails to respond within the ten (10) day period or declines such offer, the Independent Agent may make the same offer or accept any outstanding offer which is on the same terms and conditions as the offer to Company to any person or entity who is not Independent Agent, married to, or a dependent of Independent Agent or who has any interest in Independent Agent;

b) The selling Independent Agent must provide Company with a copy of all documents which detail the transfer, including, without limitation, the name of the pur­chaser, the purchase price and terms of purchase and payment;

c) An office administration transfer fee of $100.00 must accompany the transfer documents;

d) The documents must contain a covenant made by the selling Independent Agent for the benefit of the proposed purchaser not to compete with the purchaser or attempt to divert or sponsor any existing Independent Agent for a pe­riod of one (1) year from the date of the sale or transfer;

e) Upon a sale, transfer or assignment being approved in writing by Company, the buying Independent Agent must assume the position and terms of agreement of the selling Independent Agent and must execute a current Agreement and all such other documents as required by Company; and

f) Company reserves the right, at its sole discretion, to stipulate additional terms and conditions prior to approval of any proposed sale or transfer. Company re­serves the right to disapprove any sale or transfer, where allowed by law.

5.04 CIRCUMVENTION OF POLICIES

If it is determined, at Company's sole discretion, that Independent Agent entity was transferred in an effort to circumvent compliance with the Agreement, the Policies and Procedures, Terms and Conditions or the Compensation Plan, the transfer will be de­clared null and void. The Independent Agent entity will revert back to the transfer­ring Independent Agent, who will be treated as if the transfer had never occurred from the reversion day forward. If necessary and at Company's sole discretion, ap­propriate action, including, without limitation, termination, may be taken against the transferring Independent Agent to ensure compliance with the Policies and Procedures and Terms and Conditions.

5.05 SUCCESSION

Notwithstanding any other provision of this Section, upon the death of Independent Agent, the Independent Agentship will pass to his or her successors in interest as provided by law. However, Company will not recognize such a trans­fer until the successor in interest has executed a current Agreement and submitted certified copies of the death certificate, will, trust or other instru­ment required by Company. The successor will thereafter be entitled to all the rights and be subject to all the obligations of a Company Independent Agent.

5.06 RE-ENTRY

Any Independent Agent who transfers his or her Independent Agentship must wait for three (3) months after the effective date of such transfer before becoming eligible to reapply to become a Independent Agent.

SECTION SIX: PROPRIETARY INFORMATION

6.01 CONFIDENTIALITY AGREEMENT

During the term of the Agreement, Company may supply to Independent Agents con­fidential information, including, but not limited to genealogical and Downline reports, customer lists, customer information developed by Company or devel­oped for and on behalf of Company by Independent Agents (including, but not limited to, credit data, customer and Independent Agent profiles and product purchase infor­mation), Independent Agent lists, manufacturer and supplier information, business reports, commission or sales reports and such other financial and business information which Company may designate as confidential. All such information (whether in written or electronic format) is proprietary and confidential to Company and is transmitted to Independent Agents in strictest confidence on a “need to know” basis for use solely in Independent Agents business with Company. Independent Agents must use their best efforts to keep such information confidential and must not dis­close any such information to any third party, or use this information for any non-company activity directly or indirectly while a independent agent and thereafter.

Independent Agents must not use the information to compete with Company or for any purpose other than promoting Company's program and its products and services. Upon expiration, non-renewal or termination of the Agreement, Independent Agents must discontinue the use of such confidential information and promptly return any confidential information in their possession to Company.

6.02 COPYRIGHT RESTRICTIONS

With respect to product purchases from Company, Independent Agents must abide by all manufacturers' use restrictions and copyright protections.

6.03 VENDOR CONFIDENTIALITY

Company's business relationships with its vendors, manufacturers and suppli­ers are confidential. Independent Agents must not contact, directly or indirectly, or speak to, or communicate with any supplier or manufacturer of Company except at Company sponsored events at which the supplier or manufacturer is present at the request of Company.

SECTION SEVEN: TRADEMARKS, LITERATURE & ADVERTISING

7.01 TRADEMARKS

Companies name trademarks, service marks and copyrighted materials are owned by the Company. The use of such marks and materials must be in strict compli­ance with these Policies and Procedures.

7.02 ADVERTISING & PROMOTIONAL MATERIALS

Only the promotional and advertising materials produced by Company or ap­proved in advance in writing by Company may be used to advertise or promote a Independent Agent's business or to sell products and services of Company. Company's litera­ture and materials may not be duplicated or reprinted without the prior written permission.

7.03 USE OF COMPANY NAME

Independent Agents may use the name of Company only in the following format: “Independent Agent of Renue Financial”.

7.04 STATIONERY AND BUSINESS CARDS

Independent Agents are not permitted to “create” their own stationery, business cards or letterhead graphics, if Company's trade name or trademarks are used. Only the approved Company's graphics version and wording are permitted; letterhead, envelopes and business cards must be ordered using the online/stationery order form.

7.05 ELECTRONIC ADVERTISING

Independent Agents may not advertise or promote their Independent Agent business or Company's business, products or marketing plan or use Company's name in any elec­tronic media or transmission, including on the Internet via web sites or oth­erwise, without the prior written approval of Company's legal department.

7.06 TELEPHONE LISTING

Independent Agents are not permitted to use Company's trade name in advertising their telephone numbers in the white or yellow page sections of the telephone book. Independent Agents are not permitted to list their telephone num­bers under Company's trade name without first obtaining Company's prior written ap­proval. If approval is granted for an “800” listing, it must be stated in the following manner: “Independent Agent of Renue Financial”.

7.07 TELEPHONE ANSWERING

Independent Agents may not answer the telephone by saying “Renue Financial,” or in any other manner that would lead the caller to believe that he or she has reached the offices of the Company.

7.08 IMPRINTED CHECKS

Independent Agents are not permitted to use Company trade name or any of its trade­marks or service marks on their business or personal checking accounts.

7.09 MEDIA INTERVIEWS

Independent Agents are prohibited from granting radio, television, newspaper tab­loid or magazine interviews or using public appearances, public speaking engagements, or making any type of statement to the public media to pub­licize the Company, its products or Company businesses, without the express prior written approval of Company. All media inquires should be in writing and referred to Company's corporate office, legal department.

7.10 ENDORSEMENTS

No endorsements by a Company officer or administrator or third party may be asserted, except as expressly communicated in Company literature and com­munications. Federal and state regulatory agencies do not approve or en­dorse direct selling programs. Therefore, Independent Agents may not represent or imply, directly or indirectly, that Company's programs, products or services have been approved or endorsed by any governmental agency.

7.11 RECORDINGS

Independent Agents may not produce or reproduce for sale or personal use prod­ucts sold by Company or any Company-produced literature, audio or video material, pre­sentations, events or speeches, including conference calls. Video and/or au­dio taping of Company meetings and conferences is strictly prohibited.

7.12 REPACKAGING PROHIBITED

Independent Agents may not repackage products or materials of Company.

7.13 INDEPENDENT COMMUNICATIONS

Independent Agents, as Independent Contractors, are encouraged to distribute information and direction to their respective Downlines. However, Independent Agents must identify and distinguish between personal communications and the official communications of Company.

SECTION EIGHT: PAYMENT OF COMMISSIONS

8.01 BASIS FOR COMMISSIONS

Commissions and other compensation cannot be paid until a completed Agreement has been received and accepted by Company. Commissions are paid ONLY on the sale of Company services and products. No commissions are paid on the purchase of Sales materials or for Sponsoring Independent Agents. In order to receive commissions on services and products sold, Company must have received and accepted an Agreement prior to the end of the commission period in which the sale is made.

8.02 COMMISSION PERIOD

A business period refers to the time period opening on the first (1st) day of the commission period and extending up until order entry closes on the last business day of the period (5:00 p.m.). Company offices are open Monday through Friday 9 a.m. to 6 p.m., with the exception of certain holidays as posted by Company.

8.03 COMMISSION PAYMENTS

Commissions are paid to “qualified” Independent Agents as defined within the Compensation Plan. Independent Agents must refer to the Compensation Plan for a detailed explanation of the benefits, commission structure and require­ments of the Compensation Plan.

8.04 OFFSET OF COMMISSIONS

Any commissions or bonuses earned and paid on products returned is the obligation of and must be repaid to Company by Independent Agents earning such commissions. Company has the right to offset such amounts against future com­missions and other compensation paid or owed to such Independent Agents who received commissions.

SECTION NINE: PURCHASE & SALE OF PRODUCTS

9.01 STOCKPILING PROHIBITED

The success of Company depends on retail sales to the ultimate consumer; there­fore all forms of stockpiling are prohibited. Company recognizes that Independent Agents may wish to purchase certain products for their own use. However, Company strictly prohibits the purchase of products in unreasonable amounts and prohibits the purchase of products only or primarily to qualify for compensation.

9.02 RETAIL SALES RULES

Independent Agents must save a copy of the Retail Sales Slip given to retail customers; receipt shall be fully completed and in­clude the name, address and phone number of each retail customer and, upon request by Company, provide copies of such receipts to Company. If Company deter­mines that retail sales were not actually made, the Independent Agent must repay Company all commissions earned during the calendar period in which the retail sales were to have been made.

9.03 OVER 70% RULE

In order to receive commissions and overrides, Independent Agents must certify on each product order form that they have sold over seventy percent (70%) in dollar value of all products and commissionable services previously purchased by the Independent Agent at wholesale from the company, to Non-Independent Agent consumers. Independent Agents shall maintain retail sales records available to the company for inspected on request.

9.04 ORDERING METHODS

All sales submitted to Company shall have the Independent Agent Identification Num­ber placed thereon to assist Company in crediting the appropriate Independent Agent.

9.05 PAYMENT OPTIONS

Purchases may be paid by cashier's check, ACH, debit card, money order, or major credit card. The Independent Agent and retail customers are responsible for paying the costs of any returned checks plus an administrative fee charged by Company, which fee may change at any time based on past payment history of the customer. If an underpayment is made, the order will not be processed until the full amount is received by Company. If an overpayment is made, Company will process the order and issue a credit to Independent Agent's account, which will automatically refund on the next commission check paid to Independent Agent. Orders will not be processed if cancellation of a credit card is made. Orders for products are not effective until accepted by Company. To expedite shipping, Independent Agents may authorize Company to keep a valid credit card on file as security for payment. Overdue amounts will accrue interest at the annual rate of 18% or at a high­er if permitted by law.

9.06 SHIPPING AND HANDLING POLICY

Subject to availability all products will be shipped by UPS or other similar service within ap­proximately three (3) business days of receipt of payment. Payment for prod­ucts shall be made at time of order. At Independent Agent's option, the prod­uct may be shipped to a customer's designated “Ship-To address”, or to the Independent Agent.

9.07 PRODUCT DELIVERY

Upon clearance of payment, the products and materials ordered will be shipped.

9.08 BACK ORDER POLICY

Company will expeditiously ship all products currently in stock. Any out-of-stock items (unless discontinued) will be placed on back order and dis­tributed upon Company receiving additional inventory. Independent Agent will be charged and granted commissions on back ordered items once they are shipped unless notified of the discontinuance of such product. Back orders may be cancelled upon Independent Agent's request and will create a credit on the Independent Agent's account.

9.09 DAMAGED GOODS

The shipping company is responsible for any damage that occurs after it takes physical custody of the products. A Independent Agent who receives damaged goods should follow this procedure:

a) Accept delivery;

b) Before the driver leaves, document on the delivery receipt the num­ber of boxes which seem to be damaged and have the driver acknowledge the damage in writing;

c) Save the damaged products or boxes for inspection by the shipping agent;

d) Make an appointment with the shipping company to have the dam­aged goods inspected, and call the Company Customer Service Department.

9.10 SHIPPING LOSS

In the event Independent Agent or a consumer does not receive a prod­uct order from Company in a timely fashion, the individual should contact the Sales Department at Renue Financial.

9.11 REFUSED SHIPMENTS

Should Independent Agent refuse delivery on any order he or she has placed with Company and such product is subsequently returned to Company; Company shall have the right to place that Independent Agent on suspension pending resolution of the refusal of delivery. Neither Independent Agent nor a consumer shall refuse any ship­ment from Company unless prior approval of Company has been obtained.

9.12 PRICING POLICY

Company will furnish Independent Agents with a discount from its published retail prices in its then current consumer catalog or order form in accordance with its policies. This discount does not apply to literature, business aids, gifts or special promotional items. Prices for Company's products, services and literature are subject to change without prior notice.

9.13 RECEIPTS

Independent Agents must provide all retail purchasers of Company's products with writ­ten receipts.

9.14 RETAIL PRICING

Company provides a suggested retail price as a guideline.

9.15 PROMOTIONAL ITEMS

All promotional items which bear Company name or logo must be purchased solely from Company unless prior written permission is obtained from Company.

9.16 SALES TAX

Company may collect sales tax on taxable items.  Independent Agents may be responsible to collect and remit sales tax on personal retail sales to the appropriate tax agencies.

9.17 PLACE OF SALE

The integrity of Company's marketing plan is built upon person-to-person, one-on-one and in-home presentation methods of sale. Company's products may not be sold to or displayed by any retail outlet, including, but not limited to supermarkets or food stores, flea markets or swap meets, permanent restau­rant displays, bars or night clubs or any such similar establishment, conve­nience stores or gas stations.

9.18 PRODUCT & SERVICES CLAIMS

Independent Agents may make no claim, representation or warranty concerning any product or service of Company, except those expressly approved in writing by Company or contained in official Company materials.

9.19 FAX BLASTS, SPAMMING

Fax blasting and unsolicited e-mailing (SPAMMING) is prohibited.

SECTION TEN: RETAIL GUARANTEE & REFUND POLICY

10.01 RETAIL CUSTOMER GUARANTEE

Independent Agent offers a thirty (30) day, 100% money-back, and satisfaction guarantee to all "Renue Credit Course" customers. If a customer is dissatisfied with this product for any reason, the customer may return that product in its origi­nal package to the Corporate Office within thirty (30) days of purchase, for either replacement or a full refund of the purchase price. All other warranties and guarantees are disclaimed.

10.02 WARRANTIES

Except as expressly stated herein, Company makes no warranty or representation as to the merchantability, fitness for a particular purpose, workmanship or any other warranty concerning any product or service purchased from or through Company.

10.03 RETURN POLICIES

Company will refund the original purchase price of products, and related sales taxes. SHIPPING & HANDLING FEES ARE NOT REFUNDABLE. YOU ARE RESPONSIBLE FOR PRODUCTS UNTIL Company RECEIVES THEM. YOU WILL BE CHARGED A RESTOCKING FEE OF 10% TO RETURN PRODUCTS. Returned products must be in the same condition as you received them. THIS RETURN POLICY IS NOT A WARRANTY.

NOTE: Company will not accept for return any products you purchased from a Reseller. In order to properly process a refund or exchange, Independent Agents must fol­low the steps and conditions set forth below:

All returns to Company must be accompanied by:

a) A signed statement from the retail customer identifying the rea­son for the return;

b) A copy of the original retail sales receipt; and

c) The name, address and telephone number of the retail customer

d) Company will prepay the cost of shipping the replacement product(s).

Independent Agent request for refund may, at company's option, be treated as a termination of the Independent Agent Agreement.

10.04 BUYER'S RIGHT TO CANCEL

Federal law grants a buyer the right to cancel certain sales without penalty prior to midnight of the third business day after the transaction. This rule covers retail consumer sales of $25.00 or more that occur away from the seller's main office. Independent Agents must orally inform the buyer of the three-day right to cancel at the time the buyer purchases the goods and deliver 2 three-day cancellation notices to every customer.

SECTION ELEVEN: GENERAL PROVISIONS

11.01 INDEMNITY AGREEMENT

Each and every Independent Agent agrees to indemnify and hold harmless Company, its shareholders, officers, directors, employees, agents and successors in in­terest from and against any claim, demand, liability, loss, cost or expense including, but not limited to, court costs and attorneys' fees, asserted against or suffered or incurred by any of them, directly or indirectly arising out of or in any way related to or connected with allegedly or otherwise, the Independent Agents (a) activities as Independent Agent; (b) breach of the terms of the Agreement; and/or (c) violation of or failure to comply with any applicable federal, state or local law or regulation.

11.02 PROCESSING CHARGES

Company reserves the right to institute a processing charge for commission checks and/or genealogy requests.

11.03 OTHER SERVICES & PRODUCTS

Independent Agents may not promote or sell another company's products or ser­vices at functions organized to feature Company's products. Independent Agents are not restricted from selling other company's services and products which are not similar to or competitive with the products and services of Company. How­ever promotion of competitive services, products and/or business programs with anyone, including Independent Agents, is strictly prohibited.

11.04 LIABILITY

To the extent permitted by law, Company shall not be liable for, and each Independent Agent releases Company from, and waives all claims for any loss of profits, indi­rect, direct, special or consequential damages or any other loss incurred or suffered by Independent Agent as a result of (a) the breach by Independent Agent of the Agreement and/or the Terms and Conditions and/or the Policies and Procedures; (b) the operation of Independent Agent's business; (c) any incorrect or wrong data or information provided by Independent Agent; or (d) the failure to provide any information or data necessary for Company to operate its business, including, with­out limitation, the enrollment and acceptance of Independent Agent into the Com­pensation Plan or the payment of commissions and bonuses.

11.05 RECORDKEEPING

Company encourages all Independent Agents to keep complete and accurate records of all their business dealings.

11.06 FORCE MAJEURE

Company shall not be responsible for delays or failure in performance caused by circumstances beyond a party's control, such as but not limited to: fire, flood, earthquake, storm, power outages, labor difficulties, strikes, war, government decrees or orders and/or curtailment of a party's usual source of supply.

11.07 VIOLATIONS

It is the obligation of every Independent Agent to abide by and maintain the in­tegrity of the Policies and Procedures and Terms and Conditions. If Independent Agent observes another Independent Agent committing a violation, he or she should discuss the violation di­rectly with the violating Independent Agent. If the Independent Agent wishes to report such violation to Company, he or she must detail violations in writing only and mark the correspondence “Attention: Legal Department”.

11.08 AMENDMENTS

Company reserves the right to amend the Agreement, Policies and Procedures, Terms and Conditions, its retail prices, product and service availability and the Compensa­tion Plan type at any time without prior notice as it deems appropriate. Amend­ments will be communicated to Independent Agents through official Company website and or official Company publications. Amendments are effective and binding upon submission to the Company website. In the event any conflict exists between the original documents or policies and any such amendment, the amendment will control.

11.09 NON-WAIVER PROVISION

No failure of Company to exercise any power under these Policies and Proce­dures or to insist upon strict compliance by Independent Agent with any obliga­tion or provision herein, and no custom or practice of the parties at variance with these Policies and Procedures, shall constitute a waiver of Company's right to demand exact compliance with these Policies and Procedures. Company's waiver of any particular default by Independent Agent shall not affect or impair Company's rights with respect to any subsequent default, nor shall it affect in any way the rights or obligations of any other Independent Agent. No delay or omis­sions by Company to exercise any right arising from a default effect or impair Company's rights as to that or any subsequent or future default. Waiver by Company can be affected only in writing by an authorized officer of Company.

11.10 JURISDICTION AND GOVERNING LAW

The formation, construction, interpretation, and enforceability of your contract with Renue Financial as set forth in this Independent Sales Agent Agreement and any incorporated documents shall be governed by and interpreted in all respects under the laws of the State of Michigan without regard to conflict of law provisions. Louisiana residents; notwithstanding the foregoing, Louisiana residents may bring an action against Renue Financial with jurisdiction and venue as provided by Louisiana law. 

11.11 DISPUTES

In the event a dispute arises between the Company and an Independent Agent regarding their respective rights, duties under this agreement, or in the event of a claim of breach of the Independent Agent Agreement, it is agreed that such dispute shall be exclusively resolved pursuant to binding arbitration under the Commercial Rules of the American Arbitration Association with arbitration to occur in Oakland County, The State of Michigan. The Arbitrator may award, in addition to declaratory relief, contractual damages and shall award reasonable attorney’s fees and costs to the prevailing party. An award of attorney’s fees and costs shall continue through any review, appeal or enforcement of an arbitration decision. The arbitration decision may be enforced in any court of competent jurisdiction. Additionally, you agree not to participate in any class action proceeding against Renue Financial, 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 Renue Financial from applying to and obtaining from any court having jurisdiction a writ of attachment, garnishment, temporary injunction, preliminary injunction, permanent injunction or other equitable relief available to safeguard and protect its interest prior to, during or following the filing of any arbitration or other proceeding or pending the rendition of a decision or award in connection with any arbitration or other proceeding. The time limitation of an Independent Agent that wishes to bring an action against Renue Financial for any act or omission relating to, or arising from the Agreement, such action must be brought within one year from the date of the alleged conduct giving rise to the cause of action. Independent Agent waives all claims that any other statutes of limitations apply. 

11.12 ENTIRE AGREEMENT

The Policies and Procedures are incorporated into the Agreement and, along with the Terms and Conditions and Compensation Plan, constitute the entire agreement of the parties regarding their business relationship.

11.13 SEVERABILITY

If under any applicable and binding law or rule of any applicable jurisdic­tion, any provision of the Agreement, including these Policies and Proce­dures and Terms and Conditions, or any specification, standard or operating procedure which Company has prescribed is held to be invalid or unenforceable, Company shall have the right to modify the invalid or unenforceable provision, specification, standard or operating procedure or any portion thereof to the extent required to be valid and enforceable, and the Independent Agent shall be bound by any such modifica­tion. The modification will be effective only in the jurisdiction in which it is required.

11.14 LIMITATION OF DAMAGES

TO THE EXTENT PERMITTED BY LAW, COMPANY AND ITS INDEPENDENT AGENTS, OFFIC­ERS, DIRECTORS, EMPLOYEES AND OTHER REPRESENTATIVES, SHALL NOT BE LIABLE FOR, AND INDEPENDENT AGENT HEREBY RELEASE THE FOREGOING FROM, AND WAIVE ANY CLAIM FOR LOSS OF PROFIT, INCIDENTAL, SPE­CIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES WHICH MAY ARISE OUT OF ANY CLAIM WHATSOEVER RELATING TO COMPANY PERFORMANCE, NONPERFORMANCE, ACT OR OMISSION WITH RESPECT TO THE BUSI­NESS RELATIONSHIP OR OTHER MATTERS BETWEEN ANY COMPANY AND COMPANY, WHETHER SOUNDING IN CONTRACT TORT OR STRICT LI­ABILITY. COMPANY SHALL NOT EXCEED AND IS HEREBY EXPRESSLY LIMITED TO, THE AMOUNT OF UNSOLD COMPANY SERVICES AND/OR PRODUCTS OF COMPANY OWNED BY THE INDEPENDENT AGENT AND ANY COMMISSIONS OWED TO THE INDEPENDENT AGENT.

11.15 NOTICE

Any communication, notice or demand of any kind whatsoever which either the Independent Agent or Company may be required or may desire to give or to serve upon the other shall be in writing and delivered by electronic commu­nication whether by telex, telegram, Email or telecopy (if confirmed in writ­ing sent by registered or certified mail, postage prepaid, return receipt re­quested). Any such communication, notice or de­mand shall be deemed to have been given or served on the date of confirmed dispatch, if by elec­tronic communication, or on the date shown on the return receipt or by other evidence if delivery is by mail.

11.16 NOTICE OF RIGHT TO CANCEL

You may request a refund on your agency fee if it is done within three business days from the date of enrollment. If you cancel, any agency fees paid will be returned within TEN BUSINESS DAYS following receipt by Renue Financial of your cancellation notice. To cancel this transaction, refer to our Cancellation Policy. No refunds will be issued after the cancellation period. A Montana resident may cancel his or her Independent Agent Agreement within 15 days from the date of enrollment.

Corporate Office:

Renue Financial, LLC
40900 Woodward Ave. Suite 111, Bloomfield Hills, MI, 48304. 
United States

Email: support@renuefinancial.com
Phone: 844 447 3683

Note: This document along with all documents within our website must be reviewed and approved prior to use for your particular purpose. No statement of legality or compliance with any regulatory agencies is made in providing you with this free document.

Signature: ___________________________________________

Name: _______________________________________________

Date: _________________________________________________

TERMS & CONDITIONS

The Independent Agent Agreement, and Terms & Conditions are specifically incorporated herein by reference. They form the Agreement between:

Renue Financial ("Company") and the Independent Sales Agent.  They shall be effective only upon acceptance by the Company, at its corporate office:

Renue Financial, LLC
40900 Woodward Ave.

Suite 111

Bloomfield Hills, MI, 48304
United States

Independent Sales Agent AGREES:

1. Independent Sales Agent is of legal age in the state/province or country in which he/she resides.

2. Any Independent Sales Agent who sponsors another Independent Sales Agent or received a Bonus or Commission on the product sales of another Independent Sales Agent must fulfill the obligation of performing a bona fide supervisory, distributing and selling function in the sale or delivery of product to the ultimate consumer and in the training of those sponsored. Independent Sales Agent must have ongoing contact, communication and arrangement with his or her sales organization.  Examples may include, but not limited to: email, newsletters, correspondence, meetings, telephone contact, accompanying individuals to company training sessions and sharing genealogy information with those sponsored.  Independent Sales Agent should be able to provide evidence to the Company quarterly of ongoing fulfillment of sponsor responsibilities.

3. Independent Sales Agent understands that he/she is not compensated for sponsoring other Independent Sales Agents but earns compensation solely on sale of products and/or services to ultimate consumers.

4. Applicant is, upon acceptance, an "Independent Contractor", called Independent Sales Agent, conducting business for her/his own account and not as an agent, employee, or franchisee for the Company.  As such, Independent Sales Agent in the United States must provide his/her Social Security or Federal Tax ID Number for tax reporting purposes on any monies earned within the country.  All Independent Sales Agents should consult their attorney or tax consultant for information on monies earned and where received.  The Independent Sales Agent further understands that s/he will not be treated as an employee in regard to any laws covering employees.  An Independent Contractor shall be responsible for obtaining any licenses required by law in whatever State, County or Country in which they reside, and pay all applicable fees and taxes.

5. Independent Sales Agent agrees to accept sole responsibility for all self-employment and all legal country/federal and state and local income and sales taxes and any other taxes on income earned as an Independent Sales Agent. The Company will file appropriate tax earnings report forms on each Independent Sales Agent at the close of the calendar year for the amount of commissions and bonuses earned in their country of residence under this agreement.

6. Independent Sales Agent agrees that the Company is not be liable for city, county, state, local and country/federal income taxes, sales taxes or other fees pertaining to sales and earnings of a Independent Sales Agent and Independent Sales Agent will hold the company harmless from all of same.

7. Independent Sales Agent SHALL NOT promote or sell other companies’ sales programs, products or Company functions, or on websites where Company is mentioned or use the Company forms or printed materials or its name and prestige, or drawing power in conjunction with or in support of any other activities.

8. Independent Sales Agent shall not sponsor or attempt to sponsor another Company Independent Sales Agent into another Direct Sales and/or Network Marketing Company except for her/his personally sponsored Independent Sales Agents.  In addition, no Independent Sales Agent shall participate in any action that causes an Independent Sales Agent to be sponsored through someone else into another company.

9. Independent Sales Agent will make no claims as to income potential either written or oral except those prepared by the company for illustration purposes only.

10. Independent Sales Agent will not make any claims of any kind pertaining to benefits of the company’s products and services except those given in official company promotional media.  When presenting the Company program to others, Independent Sales Agent shall present the program in its entirety, without omission, distortion or misrepresentation.

11. Independent Sales Agent shall not represent or imply, directly or indirectly, that the company has been approved or endorsed by any governmental agency.  Federal and State regulatory agencies do not approve or endorse any marketing company product or programs.

12. Independent Sales Agent will indemnify and hold the company harmless from any and all claims, expenses, costs, causes of action and damages resulting from or growing out of Independent Sales Agent statements or actions in violation of this agreement.

13. Should Independent Sales Agent be terminated for cause, Independent Sales Agent's sales organization may be transferred to his/her first active upline Independent Sales Agent at Company's sole discretion.

14. A terminated Independent Sales Agent will be eligible to reapply and may choose a new sponsor after six (6) months. A terminated Independent Sales Agent that reenters the program may not sponsor any of her/his original downline organization.

15. Independent Sales Agent understands that company does not permit changing of sponsors.  Network Marketing is a business of creating relationships.  Once an Independent Sales Agent is sponsored, the Company believes in maximum protection of that relationship.

16. Independent Sales Agent hereby supplies Renue Financial with his/her signature for Company files and understands that this signature is the signature of record for all debit card, ACH and any future credit card transactions.

17. Independent Sales Agent understands that he/she is paid weekly and monthly.

18. Independent Sales Agent without a sales tax ID number authorizes Company to remit to proper agencies the sales/use tax generated as a result of Independent Sales Agent's product sales.

19. Independent Sales Agent understands Company will provide Independent Sales Agent a replicated Web Page, when available as part of the company business kit.  Company will deliver all items upon receipt of good funds. 

20. As an Independent Contractor, Independent Sales Agent is aware of the quality of products offered by the Company and other costs and contractual obligations that occur when she/he purchases products from Company. Independent Sales Agent understands that he/she maintains a greater responsibility when ordering on a credit card account as an informed Independent Sales Agent than when ordering as a customer.  Independent Sales Agent therefore waives the right of cancellation or refund on any order placed on his/her credit card account(s) except directly through the Company.  Any order returns, refunds or exchanges shall be done through Company and not through any credit card company.

21. In the event that any check (monies) by any method is returned unpaid, I authorize Renue Financial to debit my account for the face amount plus up to a 10% failed payment processing fee.  If said amount remains unpaid, I understand that I could lose my current status and that until my account is brought current I could forfeit certain rights and privileges, including commissions.

22. Independent Sales Agent understands that USA residents in the States of Maine, North Dakota, Michigan, Indiana, Iowa and West Virginia are limited to a total of $495.00 in sales aids and wholesale product purchases from the Company during the first six months.  Purchases shall be automatically modified to comply with the exemption requirements set forth in any country/state’s laws regulating business opportunities. 

Renue Financial AGREES:

1. Company will pay Independent Sales Agent commissions and bonuses on orders received and accepted for sale of products to the ultimate consumer (not sales aids) made by Independent Sales Agent and his/her sales organization under the terms of Compensation Plan.

2. Company will retain full authority to accept or reject any Application or any order for products.  Such refusal is solely within the discretion of the Company.  No right of action against Company will arise because of any such acceptance or refusal.

3. Company reserves the right to amend, revise, institute, alter or modify changes including but not limited to prices, literature, policies, this Agreement and the Compensation Plan.  Any such revisions become effective by email, letter(s) or by publication in official company literature or posted to Independent Sales Agent at his or her last known address.  Independent Sales Agent agrees to be bound by these changes.  Changes will become part of the agreement upon notification.  The Independent Agent Compensation Plan, Policies and Procedures, and all modifications thereafter, are incorporated into and are a part of this agreement.

4. Company shall not be responsible for acts beyond its control, including but, not limited to: fire, flood, earthquake, storms, power outages, labor difficulty, equipment failure, supplier problems, or other difficulties that might prevent performance according to this agreement.

5. Company assumes no liability for personal injury arising from use or mishandling of any of the Company product(s).

6. Company does not require Independent Sales Agent to sponsor and does not require any initial product purchase to be an Independent Sales Agent.

7. Company reserves the right to terminate this agreement immediately upon receipt of sufficient information that Independent Sales Agent has violated any term or condition of this agreement or has otherwise acted illegally or unethically.

8. Company will honor refund policies provided by any governmental law applicable to Independent Sales Agent.

9. Company requires all Independent Sales Agent obey the letter and the spirit of the law.

10. I have not violated any non-competition, non-compete, non-solicitation, or confidentiality agreement entered into with any other organization or entity, and by becoming an Independent Sales Agent for Renue Financial will not be violating any agreement or contract, including non-competition, non-compete, non-solicitation entered in with any other organization.

11. A participant in this Network Marketing plan has the right to cancel at any time, regardless of any reason. Cancellation must be in writing and submitted via certified/registered mail with a return receipt to the company at its principal business address: 40900 Woodward Ave. Suite 111, Bloomfield Hills, MI 48304.

12.  By selecting the checkbox, I agree, you indicate that you have carefully read this agreement and that you willingly accept all the terms and conditions herein and shall abide by the same as may be amended from time-to-time. Independent Sales Agent hereby supplies Renue Financial with his/her signature for Company files and understands this electronic signature is the signature of record for all debit card, ACH and any future credit card transactions.

Signature: ___________________________________________

Name: _______________________________________________

Date: _________________________________________________