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CTFO INDEPENDENT ASSOCIATE (IA) / CUSTOMER POLICIES AND PROCEDURES

Individual: Any individual, using his/her social security number or EIN, may apply to become an Associate. An individual may not hold a full or partial interest in more than one CTFO IA position. You must be eighteen years of age or older to be an IA.

Married Couples: Married couples can hold one position or they can each hold individual positions. If both names are on the Associate Application, then the Terms and Conditions shall bind both parties, as shall the information herein, regardless of the social security number or EIN utilized. It is always better to own and work just one position with CTFO's unique pay plan.

Businesses, Corporations and Partnerships: A Business, Corporation, or Partnership can become an IA; however, they must provide a social security number or an Employer Identification Number (EIN). The Terms and Conditions bind all corporate directors and officers, as shall the information in this New Member's Guide herein. The Business, Corporation, or Partnership is requested to appoint one individual as the party responsible for the Corporation's operations as an IA.

Sole Proprietorships: A sole proprietorship can become an IA and the Proprietor may use either his/her social security number or EIN number for identification purposes.

Social Security Numbers: All IA's are required to use their social security number (or EIN, if a business) in order to be paid commissions. They will be given a IA Number that can be used in lieu of a social security number for identification in CTFO's system. Individuals or partnerships joining CTFO using a social security number may not hold interest in multiple positions by the use of utilizing a social security number and EIN.

EIN Numbers: Individuals, Businesses, Corporations and Partnerships can use an EIN number for identification purposes. They also will be given a IA Number that can be interchanged with the EIN number. Individuals, business corporations or partnerships joining CTFO using an EIN may not hold interest in multiple positions by the use of multiple EINs.

ID Number: An IA Number is an internally generated identification number linked to the IA's position. It can be used to identify the IA in place of the social security or EIN number.

Cross-Recruiting: Attempting to sell or promote another MLM opportunity to another CTFO IA, whom you have not personally enrolled into CTFO is an unethical practice.

Spamming: The unauthorized sending of mass emails is illegal and grounds for prosecution.

Fax Blasting: Any material transmitted via facsimile that advertises the commercial availability or quality of any property, goods, or services, which is transmitted to any person without that person's prior express invitation or permission.

Illegal Sponsoring Practices: Unethical, illegal or immoral sponsoring practices will not be tolerated.

Agreement: Violating any of the Terms and Conditions of the IA Membership Agreement or violating any of the Policies and Procedures are grounds for termination.

Unethical Behavior: Misrepresentation of the CTFO business opportunity, misleading, erroneous or deceptive statements, use of materials not approved by or provided by CTFO or any other unethical behavior is grounds for immediate termination.

Infringement of Copyright, Patent and Trademark Restrictions: Unauthorized use of the CTFO name, logos, mottos, trademarks or unauthorized reproduction of any copyright or patented material is grounds for immediate termination.

Independent Associate Membership Claims: IA's must be at least 18 years of age and therefore of legal age in their state of occupancy. All IA's must also have an address.

Contractual Obligations: Independent Associates are responsible for any expenses incurred in the operation of their CTFO business. IA's shall hold CTFO harmless from any claims, damages or liabilities arising out of an IA's business practices.

Compensation Obligations: In the event that one of the associated vendors should not pay commissions due, CTFO nor any of its affiliates are obligated to pay these commissions to IA's. IA's shall hold CTFO and any affiliates harmless from any loss of revenue resulting from an associated vendor failing to pay commissions due.

Tax Reporting: IA's are responsible for paying their own taxes – federal, state, local or any other taxes due from any regulatory agency. IA's earning more than $600.00 per year will be issued a 1099 at the end of the year for all income earned from any associated Company as required by law. Corporations or partnerships will not receive a 1099.

Territorial Rights: IA's can conduct business anywhere in the United States or Canada without franchise or territorial restrictions.

Cancellations and Refunds: The Independent Associate Application signed by all IA's states, "A participant in this Network Marketing plan has a right to cancel with no refund at any time, regardless of the reason." Additionally, on the back of the application, "You may cancel this transaction without penalty or obligation no later than midnight of the third business day subsequent to the day of this order. To cancel this order you must mail, wire, fax or deliver a signed and dated written notice to CTFO at the address stated on this application." If a refund is issued, the Upline IA's that received New Customer Bonus will be charged back against future earned commissions for the Fast Start amount they were paid. The Upline ID is ultimately responsible to repay the company the New Customer Bonus received, at the company's request, for an IA who cancels and is issued a refund. CTFO must do this because they are refunding money to the cancelled IA. Once an IA has cancelled his or her position, he or she must wait 90 days before re-applying for Membership. Any state laws or regulations at variance with these policies will take precedence over these conditions.

Involuntary Termination/Expiration: An IA can be terminated immediately, at the sole discretion of CTFO, for any violation of the Terms and Conditions or Policies and Procedures, and will be informed of such decision in writing. The termination will be in effect from the date of notification by CTFO. CTFO's decision is final and not subject to further review. An IA can be terminated for any of the following reasons, inclusive of, but not limited to: Cross-Recruiting, Spamming, Fax Blasting, Illegal Sponsoring Practices, Abridgment of Independent Distributor Agreement, Use of Non-approved Marketing Literature, Unethical Behavior, Infringement of Copyright, Patent, and Trademark Restrictions, or Failure to Comply with Continuing Sales and Leadership Responsibilities as denoted in section 9 of the CTFO Terms and Conditions.

Transfer/Sale of Position: One IA may sell or transfer his/her position to another party. The sale or transfer can take place at the sole discretion of CTFO. Parties must complete a "Transfer of Sale of Position form" stating name and IA number of transferring IA and name and social security or EIN number of new IA. The form must be signed by both parties and notarized. An Independent Associate Application and Membership Agreement for the new IA must accompany the form. The transfer/sale will take place at the sole discretion of CTFO. A transfer form may be acquired by calling the CTFO call center.

Inheritance of Position: An IA's position can be inherited. The party inheriting the position must send a copy of the death certificate and a notarized letter stating the previous IA's name and IA number and the new name and social security number for the position. An Independent Associate Application and Membership Agreement for the new IA must accompany the letter.

Name Change/Change of Address: IA's must notify CTFO in writing when a name or address change occurs. To notify CTFO, send the information to CTFO 607 Elmira Road Suite 300, Vacaville, CA 95687 or fax to 530-893-0196. Make sure that you sign your correspondence. If a position is owned by more than one person (husband/wife, partnership or corporation) all parties must sign the letter.

Non-Sufficient Funds: Any checks returned for non-sufficient funds will be assessed a fee of $25.00.

Business Meetings: Business Meetings are an option for current and prospective Members. The meetings assist in learning more about the CTFO opportunity. The charge for Opportunity Meetings is not to exceed $5.00 for existing IA's and there is NO allowable charge for prospective IA's. For Training Meetings where a CTFO IA is charging more than $5.00 admission, the meeting material and agenda must be approved by Corporate. It is the sole responsibility of the IA organizing a business meeting to comply with any additional state laws and/or requirements.

Advertising and Promotional Materials: The CTFO name, logos and trademarks, as well as those of any Recommended Companies, may only be used with written approval from CTFO. Any approved use must indicate the Independent Distributor status. Advertising materials that do not mention CTFO or its affiliates is the sole responsibility of the Independent Distributor.

Commissions: It is the responsibility of the IA to maintain an active and qualified status. In order to collect any type of commissions, IA must be an active qualified IA at the time of payout and have met the monthly auto ship sales requirement.

Product Orders: Orders may be completed online using your Associate Back-office, or over the phone by calling the CTFO Order Line at 707-449-4567. You can pay using a Visa, MasterCard or by ACH.

Addresses: We accept a physical address or PO Box to ship your order. Currently we ship packages to locations within the United States, U.S. Territories, and Canada.