Policies & Procedures

ReferLife.com Policies and Procedures governing Independent Affiliate (I.A.) are outlined below.

A person or organization who solicits subscription purchases on behalf of ReferLife.com will be known as an Independent Affiliate (I.A.).

It is the responsibility of each and every Independent Affiliate to read and agree to these Policies and Procedures.

Be Sure to READ the ReferLife.com Privacy Policy and REFUND POLICY

ReferLife.com Refund Policy:

We have a 7 Day REFUND POLICY on your subscription Purchase. Once your payment has been processed, you will receive instant access through your subscription to all of our member benefits.

IMPORTANT NOTE:

When a person subscribes to ReferLife.com with the 7 DAY REFUND POLICY, they are agreeing that they have read and agree with the ReferLife.com 7 DAY REFUND POLICY. Anyone who tries to complete a charge back to their credit card provider after the 7 day refund window will have violated the agreement and will be terminated with all present and future commissions forfeited.

NO REFUND of a subscription purchase will be processed because a member has changed their mind after the 7 day window has passed. Because of this 7 DAY REFUND and RETURN POLICY, all customers agree that they have read and agree with the Terms of Purchase, Policy and Procedures as well as this REFUND and Return Policy.

By completing your Registration prior to submitting your Subscription Payment you agree that you have read and agree to all the Terms of Purchase, Policies and Procedures and this Return Policy
Commissions

A. Eligibility for Commissions
An I.A. must be active and qualified according to the Compensation Plan(s) in order to be eligible to receive any commission.

B. Commissions
Commissions are earned for the sale of Subscriptions and products or services to the people you refer to ReferLife.com who make a purchase or to anyone that falls within your commission structure. Commissions are paid out monthly as described below to your selected payment processor account. A USD $0.50 processing fee will be deducted from each I.A. commission payout.

Note: All referral commissions earned will be paid. Be sure to have your payment processor updated to accept your commissions from our back office.

VERY IMPORTANT

To ensure you receive your referral commissions, your choice of payment processor MUST be updated in your Back Office at ReferLife.com. Failure to do so may affect whether you receive your commissions.

ReferLife.com reserves the right to change commission payment methods at any given time, with proper notice being given to all I.A.'s.

Status as an Independent Affiliate

A. Maintaining Status as an Independent Affiliate and Member
Your access to the ReferLife.com Benefits, Services and the ReferLife.com Business Opportunity MUST be maintained in GOOD STANDING at all times. Any Affiliate who has not paid their monthly subscription fee will be considered not a member in good standing and will have broken the terms of the agreement and will be considered inactive without the benefits and privileges of PAID membership.

All members will be given a maximum 7 day grace period to get their monthly subscription fees paid. If subscription fees are not paid in the allowed period the unpaid position will be changed from PAID to FREE and all commissions will be forfeited until account is in good standing. An account may be deleted at any time after the 7 day grace period is passed.

B. Sale of a ReferLife.com Independent Affiliate Status or Business of a Independent Affiliate (I.A.) of ReferLife.com.
An Affiliate is NOT restricted from selling their ReferLife.com Independent Affiliate Status or Business for more than the ORIGINAL COST of the SUBSCRPTION PURCHASED. A Subscription purchase can be transferred to another person or may be sold for profit based on the value developed by the original owner (seller) or the value preceived by the purchaser.

All transfers or sale of ReferLife.com Licenses require the approval of ReferLife.com before any sale or transfer is considered valid and non-reversible.

C. Claims of Employment
An I.A. is an Independent Affiliate and not an employee of ReferLife.com. The position of the I.A. shall not be interpreted as creating a relationship of employee-employer, agency, partnership or joint venture between any participant, sponsor, referral and ReferLife.com. An I.A. or prospective I.A. is not and will not be employed by ReferLife.com. To say otherwise is misleading and subject to termination of I.A. status.

D. Contractual Obligations
All I.A.s are responsible for any expenses which result from their business operation. Miscellaneous expenses include, but are not limited to, legal fees connected with the use of a business name, license or permits required to operate a business, telephone expenses, product advertising, etc. The I.A. shall not involve ReferLife.com in any contractual relationships relative to their businesses. I.A.s cannot and shall not open bank accounts, sign contracts, rent or lease office space or equipment, secure credit, make purchases or enter into agreements of any kind in the name of ReferLife.com. Such action is prohibited and cause for termination of I.A. status. Each I.A. shall hold ReferLife.com its shareholders, directors, officers, proprietors and employees harmless from any claims, damages or liabilities arising out of such action.

No I.A. may make a statement of any kind that ReferLife.com, any of its entities or themselves are in any way associated or affiliated with any charitable organization. ReferLife.com is a business that chooses to donate a portion from proceeds from sales of subscriptions to different charities.

E. Reporting Taxes
I.A.s are not considered employees under any laws or acts governing employees. It is the I.A.’s responsibility to make self-employment and income tax payments as required by laws of their country. As such, ReferLife.com does not deduct any taxes from any commission and does not provide yearly statements for income tax purposes. Your earnings and income is trackable and reported in your ReferLife.com Back Office.

Business and Legal Entities as an Independent Affiliate

A. Companies
A sole proprietorship, partnership, Limited Liability Company (LLC) or corporation may become an I.A..

For a company to become a personal I.A., or to change their current representative status to another status, ReferLife.com must be notified in writing. Written notice is also required when changing an existing individual’s referral position status to a company.

B. Marriage
A husband and wife, common-law spouses/partners, and immediate family members MUST fall into the profit/business structure of the first person in the family that makes a purchase and registers with ReferLife.com.

C. Forfeiture
Violation of parts A and B in this section will result in the I.A. forfeiting his/her second and subsequent referral positions in the compensation plan and any current and future compensation from these positions. Violation of parts A and B in this section may result in the termination of your I.A. status and all associated commissions.

D. Multiple Subscription Purchases
Any person may register to the Referlife System and hold one position in our Global Matrix. No person can hold multiple positions in the exact same name or address being the same person more than once in our system. It is ok to have different names with the same address but any duplicate names will have one account deleted without question.

5.) Personal Identification Numbers

All I.A.s will have a unique Personal Identification Number that identifies them as an I.A. and Member of ReferLife.com. Personal ID Numbers must be used in all communications with ReferLife.com at all times.

6.) Rights and Obligations of an I.A.

A. Ethics
ReferLife.com conducts business in an ethical and credible manner and expects all I.A.'s to do the same. ReferLife.com permits no illegal or unethical activity and will intercede when such behavior may exist. ReferLife.com reserves the right in deciding whether certain I.A. activities are unethical. Furthermore, ReferLife.com may use its own discretion in determining the appropriate course of action. ReferLife.com reserves the right to suspend or terminate the I.A. status, including but not limited to all commissions if ReferLife.com determines that unethical activities may exist. Under no circumstances would an I.A. who is terminated for unethical or illegal activity be entitled to a refund of their original purchase fee, nor are they entitled to sell or transfer their position.

There are 3 levels of termination where if a member or affiliate is found to be involved with unethical activities, or activities considered detrimental to ReferLife.com in any way.

1: They may be placed on probation with all income lost for the suspended period. If they are reinstated after probation the lost income will be donated to charity on their behalf.

2: If not reinstated lost income goes to charity on their behalf. If temporarily terminated this would be for a 1 year period. At the end of the year the member would have to complete a new registration.

3: If permanently terminated this would mean that you would not be allowed to participate at any time in the future.

There will be an investigation prior to any decision being rendered where a probation or termination order is given.

B. Co-Mingling of Funds

An I.A. must make their payment payable to ReferLife.com only. No I.A. shall accept funds for membership fees and co-mingle them with their personal or business accounts. ReferLife.com may terminate any I.A. discovered co-mingling funds or operating a bank account in the name of ReferLife.com or any other similar name.

C. Territorial Rights/Obtaining Referrals across Borders

The I.A. is responsible for knowing and adhering to all laws and accepted business practices in the countries they choose to market. This includes but is not limited to Customs and Immigration Laws and accepted marketing practices.

7.) Sponsoring New Independent Affiliates

A. I.A. Agreements

New I.A.s must be of legal age to enter into a contract and complete a membership form online or download the hard copy version located at the company website. Membership fees may be paid by Visa, MasterCard, American Express, certified check (cheque), bank draft or money order. The start date of an I.A. is the date that their completed registration form is entered and payment received.

B. Representation

The I.A. shall make no claim or inference to prospective new members as to the anticipated or actual income an I.A. might earn. ReferLife.com makes no guarantees of income, nor assurances of any profits or success. Furthermore, any profits or success resulting from activities as an I.A. will be based upon new members obtained by their Sales Group. Any success achieved will be based solely upon the I.A.’s effort, commitment and skills.

Each I.A. understands that no governmental authority or other regulatory authorities ever reviews, endorses or otherwise approves any product membership or compensation program of any marketing company. As such, each I.A. shall make no such claim to a prospective I.A.. In the event that a question arises concerning ReferLife.com’s compliance with the law, such question shall be submitted to ReferLife.com in writing. The I.A. shall make no false claims or misleading statements concerning these relationships and understand that if they do, their relationship with ReferLife.com may be terminated and all commissions and bonuses forfeited.

The I.A. agrees to indemnify and hold ReferLife.com harmless from all claims, damages and expenses, including attorney fees arising out of actions or conduct in violation of the Policies and Procedures, and Terms and Conditions.

C. I.A. Disputes
ReferLife.com may or may not mediate any disputes between two or more I.A.s. ReferLife.com does, however, reserve the right to review referral practices. Any decisions made by ReferLife.com will be final.

D. Changing your Sponsor
Maintaining the integrity of the referral system is paramount. Therefore, changing referrals is strictly prohibited.

An I.A. may join ReferLife.com under a new referral only after a period of no less than 1 full calendar year from the date of resignation or no less than 1 full calendar year after an I.A. fails to renew. All resignations must be in writing and delivered to ReferLife.com.

ReferLife.com reserves the right to change a member's or Independent Affiliate's sponsor if;

a: the sponsor has been inactive and unsupportive of his referral for a period that exceeds 6 calendar months

b: it is found that unethical or misleading practices were used by a sponsor and complaints were raised against the sponsor.

These are the 2 issues where ReferLife.com at its discretion may take action and move a referral from a sponsor. This is only done after an investigation is completed and a ruling is given.

8.) Maintaining/Changing the Status of your Business

A. Monthly Subscription Membership Fee
There is a monthly subscription fee to access benefits. Renewal payments are required no later than 7 days after the I.A.’s payment due date. If ReferLife.com does not receive the monthly fee within 7 days of the payment due date, ReferLife.com will assume that the I.A. does not wish to renew his/her status with ReferLife.com. The I.A. will then be placed in inactive status or may be deleted after the 7 day grace period, and all future commissions will be forfeited. If an I.A. decides to a renew membership at some later date, he/she may do so but if the position has been deleted then the I.A. must register as a new Affiliate. It is the I.A.’s responsibility to ensure that ReferLife.com has his/her accurate and current address and contact information. ReferLife.com is not responsible for an I.A. who fails to renew their monthly subscription fee.

B. Transferring or Assigning Your I.A. Status
ReferLife.com restricts the transfer of an I.A. status in order to protect the integrity of the business opportunity. All requests for the transfer of an I.A. status must be reviewed and approved by ReferLife.com. For more information, please contact us at admin@referlife.com

The I.A. status WILL NOT be considered transferred until it is approved by ReferLife.com. Therefore, DO NOT accept any funds from the potential buyer until the transfer has been approved and finalized. ReferLife.com charges USD $500 plus applicable taxes to process any approved transfer or approved sales.

No sale of a License or Subscription of an Independent Affiliate or Member is to exceed the original purchase price paid for the item.

C. Transfer/Disposition of I.A. Position
Upon the death or incapacity of an I.A., or of its principals, the rights to the commission and marketing position shall pass to the designated successor, provided this successor complies with all the terms of the ReferLife.com agreement, ReferLife.com’s Policies and Procedures and fulfills the duties and obligations required of an I.A.. If the transfer is temporary (i.e. the I.A. is temporarily incapacitated), the subsequent activation and deactivation will be temporary.

D. Change of e-mail address and change of information
An I.A. must report any change of e-mail address or other information to both ReferLife.com and their chosen method for commission payment. This may be accomplished by updating your personal information online at www.ReferLife.com.

9.) Advertising and Promotion

A. Use of Corporate Marks
No I.A. may use ReferLife.com business, trade or corporate name, trademark, service mark, logo ("Corporate Marks") or copyrighted material of ReferLife.com without the prior express written consent of ReferLife.com. Such misuse or infringement of this prohibition may result in ReferLife.com taking disciplinary action that may include, but not limited to, termination of I.A. rights as well as loss of current and future commissions.

The I.A. must promptly cooperate with ReferLife.com in connection with a request to discontinue any unauthorized use of ReferLife.com’s Corporate Marks or copyrighted materials.

B. Websites
Websites that are operated by an I.A. are restricted from using the name, trademarks or logos of ReferLife.com unless approved in writing by ReferLife.com. No ReferLife.com forms or documents can be copied or placed onto any other website without approval.

C. Approved Literature/Referral Aids
An I.A. shall utilize and distribute only the literature, forms and referral aids provided and approved by ReferLife.com.

ReferLife.com prohibits the distribution or use of any literature, advertisements, flyers, recordings, etc., bearing or referencing the name and/or logo of ReferLife.com, unless approved in writing by ReferLife.com.

ReferLife.com prohibits the distribution or resale of any referral aids. Any action of this nature may result in termination.

D. Media Inquiries and Personal Appearances by an I.A.

In order to assure accurate and consistent information is provided to the public I.A.s shall not respond to any form of media inquiries regarding ReferLife.com, its services or products. Refer all media inquiries to ReferLife.com at admin@referlife.com

E. Advertising Media
Approval and written consent of ReferLife.com is required to advertise via electronic media. This includes but not limited to television, radio, internet and/or cable advertising. Use of ReferLife.com’s name in a telephone number, directory listing or website address is also prohibited.

F. NO SPAM POLICY, Third Party Solicitation, Conventions and Trade Shows
ReferLife.com prohibits I.A.s from using conventions and trade shows as means of marketing the ReferLife.com program unless approved through corporate office.

The I.A. is prohibited from third party solicitation by spamming, fax blasting, direct mail, contests, telemarketing, sweepstakes and drawings. ReferLife.com only authorizes referrals by means of personal solicitation of memberships.

10.) Indemnification

Each I.A. agrees to indemnify and hold ReferLife.com, including without limitations its directors, officers, employees, and shareholders from any and all liabilities, claims, expenses and damages (including attorneys’ fees and costs) arising out of the use of this site, which also includes but not limited to, the products and compensation plan in any manner what so ever.

11.) Compliance

These Policies and Procedures were created to define the relationship that exists between the I.A. and ReferLife.com. These Policies and Procedures ensure acceptable conduct of daily business operations. It is important that you read and understand the Policy and Procedures, and Terms and Conditions before registering as an I.A.. It is equally important that you frequently check the ReferLife.com web site for revised versions. All I.A.s are bound by the Policies and Procedures, and Terms and Conditions, and any amendments made to them. ReferLife.com reserves the right to amend the Polices and Procedures as ReferLife.com deems necessary. Any I.A. who violates any provision of the Policies and Procedures, may be promptly terminated by ReferLife.com. Termination cancels any and all rights. Any disputes between an I.A. and ReferLife.com in relation to any part of the Policy and Procedures, and Terms and Conditions will be resolved through binding arbitration by the board of directors. An I.A. who is terminated will not be entitled to the refund of their original membership fees or any commissions or bonuses of any sort.

By submitting your registration and payment for your license and subscription to ReferLife.com you are confirming that you have read and agree with the Terms and Conditions of your subscription purchase, as well as to these Policies and Procedures that govern ReferLife.

These Policies and Procedures were last updated on January 3, 2017.