Policies & Procedures

SECTION ONE: INDEPENDENT REPRESENTATIVES

1.01 BECOMING AN INDEPENDENT REPRESENTATIVES
An applicant becomes an Independent Representatives (“Independent Sales Representative”) of
The Wealth Builder Inc. when the applicant’s completes an Application and Agreement has been
received and accepted by the Company, by Internet. The Company reserves the right to decline
any Agreement for any reason, at its sole discretion.

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

1.02 MEMBERSHIP FEES, CHARGES AND/OR PURCHASES
An initial fee, charge and/or purchase is required to become an Independent Representatives. As
an Independent Representatives, you agree to pay and authorize automatic, recurring, billing of
the membership fee by any available payment methods, until cancelled. Any automatic,
recurring, billing of the membership fee is not refundable and will not be prorated. You authorize
Company to initiate debit entries from the account provided and for the membership fee, as well
as any other purchases made on the Site.

1.03 INDEPENDENT REPRESENTATIVES OBLIGATIONS & RIGHTS
Independent Representatives are authorized to sell Company products and services and to
participate in the Independent Representatives Compensation Plan. Independent Representatives
may sponsor new Independent Representatives.

1.04 LEGAL AGE
Independent Representatives must be of legal age in the state / province / country of their
residence.

1.05 DIVORCE
When a couple sharing Independent Representatives entity divorces or separates, Company 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.

1.06 FICTITIOUS OR ASSUMED NAMES
A person or entity may not apply as Independent Representatives using a fictitious or assumed
name.

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

1.09 TAXATION
As Independent Contractors, Independent Representatives will not be treated as franchisees,
owners, employees or agents of Company 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, Company will issue to each Independent Representatives an IRS
Form 1099, as required by law, or other applicable documentation for non-employee
compensation as an Independent Representatives.

1.10 INDEPENDENT SALES REPRESENTATIVE IDENTIFICATION NUMBER
Independent Representatives are required by federal law to obtain a Social Security number or
Federal ID number. Independent Representatives will be identified by this number, or a company
assigned number, for purposes of Company’s business. The Independent Representatives
Identification Number must be placed on all orders and correspondence with the Company.

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

1.12 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 Company reserves the right not to sell product or services or contract with
Independent Representatives 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”).

SECTION THREE: SPONSORSHIP

3.01 SPONSORING
Independent Representatives may sponsor other Independent Representatives into the
Company’s business. Independent Representatives must ensure that each potential new
Independent Representatives 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 TRAINING REQUIREMENT
A Sponsor must maintain an ongoing professional leadership association with Independent
Representatives 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 products and services.

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

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

3.05 CROSS SPONSORING
Independent Representatives may not sponsor, or attempt to sponsor, any non-personally
sponsored Independent Representatives in any other Network Marketing Company or Trading
education Company. In addition, no Independent Representatives may participate in any action
that causes another Independent Representatives to be sponsored through someone else into
another network marketing company.

3.06 CROSS RECRUITING WITHIN THE WEALTH BUILDERS .
An Independent Representatives may not recruit, or attempt to sponsor, any non-personally
sponsored Independent Representatives/Customer, that are active or inactive, in THE WEALTH
BUILDERS, for less than six (3) months. Cross Recruiting another Independent
Representatives/Customer, will have a mandatory suspension of thirty (60) days, and
commissions and/or bonuses will be forfeited. The suspension will precede an investigation,
which may result in termination of the Independent Representatives. The Wealth builder has a
Zero Tolerance Policy, both for Cross Recruiting and Cross Sponsoring.

SECTION FOUR: RESIGNATION/TERMINATION

4.01 VOLUNTARY RESIGNATION

a) Independent Representatives may voluntarily terminate his or her Independent Representatives
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 Representatives who resigns or terminates their Independent Representatives
status may reapply as Independent Representatives, three (3) months after resignation.

4.02 SUSPENSION
Independent Sales Representative 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 Sales Representative, Company will inform the Independent Sales
Representative in writing or email 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 Sales Representatives
“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
Sales Representative as so determined by Company at its sole discretion. If the Independent
Sales Representative 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 Sales Representative 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. Wealth Builders may take certain action during the suspension
period, including, but not limited to, the following:

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

b) Withholding commissions and bonuses that are due the Independent Sales Representative
during the suspension period;

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

d) Prohibiting the Independent Sales Representative from sponsoring new Independent Sales
Representatives, contacting current Independent Sales Representatives or attending meetings of
Independent Sales Representatives.

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 Sales Representative has occurred, the suspended Independent Sales Representative
may be terminated.

4.03 TERMINATION
Independent Sales Representative 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 Sales Representative without placing the Independent
Sales Representative on suspension, at Company’s sole discretion. When the decision is made to
terminate Independent Sales Representative, Company will inform the Independent Sales
Representative in writing at the address in the Independent Sales Representative’s file that the
termination has occurred.

4.04 APPEAL
If Independent Sales Representative 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 Sales Representative files a timely notice of appeal, Company will review the
appeal and notify the Independent Sales Representative 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 Sales Representative:

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 Sales Representative of the Company;

c) Loses all rights to his or her Independent Sales Representative 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 the Company’s
confidential information. Company has the right to offset any amounts owed by Independent
Sales Representative to the Company including, without limitation, any indemnity obligation
incurred pursuant to Section 11.01 herein, from commissions or other compensation due to the
Independent Sales Representative.

4.06 REAPPLICATION
The acceptance of any reapplication of a terminated Independent Sales Representative or the
application of any family member of a terminated Independent Sales Representative 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 Sales Representative desiring to acquire an interest in another Independent
Sales Representative’s business must first terminate his or her Independent Sales Representative
status and wait two (2) months before becoming eligible for such a purchase, unless changed by
the discretion of the company All such transactions must be fully disclosed and must be
approved by Company in advance.

5.02 TRANSFERS OF INDEPENDENT SALES REPRESENTATIVES
Except as expressly set forth herein, Independent Sales Representative may not sell, assign or
otherwise transfer his or her Independent Sales Representative entity (or rights thereof) to
another Independent Sales Representative or to an individual which has an interest in
Independent Sales Representative entity. Notwithstanding the foregoing, Independent Sales
Representative may transfer his or her Independent Sales Representative entity to his or her
sponsor, subject to the conditions of Section 5.03 and 5.07. In such an event, the sponsor’s entity
and the transferring Independent Sales Representatives entity shall be merged into one entity.
5.03 CONDITIONS TO TRANSFERABILITY
Independent Sales Representatives may not sell, assign, merge or transfer his or her Independent
Sales Representative 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 Sales Representative entity. Independent Sales Representative
wishing to sell, assign, transfer or merge his or her Independent Sales Representative 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 Sales Representative within seven (7) business days after receipt of such
notice of its decision to accept or reject the offer. If Company fails to respond within the seven
(7) day period or declines such offer, the Independent Sales Representative 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 Sales Representative, married to, or a
dependent of Independent Sales Representative or who has any interest in Independent Sales
Representative;
b) The selling Independent Sales Representative 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 Sales Representative
for the benefit of the proposed purchaser not to compete with the purchaser or attempt to divert
or sponsor any existing Independent Sales Representative 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 Sales Representative must assume the position and terms of agreement of the selling
Independent Sales Representative 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 the Company’s sole discretion, that Independent Sales Representative 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 Sales Representative entity will revert back to the transferring
Independent Sales Representative, 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
Sales Representative 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
Representatives, the Independent Representatives-ship 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 Representatives.
5.06 RE-ENTRY
Any Independent Representatives who transfers his or her Independent Representatives Center
must wait for three (3) months after the effective date of such transfer before becoming eligible
to reapply to become an Independent Representatives.
5.07 TRANSFERABILITY OF SPONSORSHIP WHEN AN AFFILIATE IS CANCELLED OR
INACTIVE AND HAS PERSONAL AFFILIATES LEFT WITHOUT A SPONSOR.
When an Independent Business Owner (IBO) cancels his/her subscription with THE WEALTH
BUILDERS, and/or becomes inactive as per THE WEALTH BUILDERS Policies and
Procedures, the IBO has three (3) months to renew his/her subscription with THE WEALTH
BUILDERS and maintain his/her position within the Matrix. The IBO may be experiencing
financial, personal, and/or any other difficulties, which cause the cancellation, for a period of
time, of his/her subscription with THE WEALTH BUILDERS. The three (3) months period will
provide the sponsor, of the cancelled and/or inactive IBO, time to work with him/her directly to
renew its subscription with THE WEALTH BUILDERS and reactivate. If after the three (3)
month period, the cancelled and/or inactive IBO does not renew his/her subscription, their
position in the Matrix is forfeited, and any personal IBO will be rolled up to the next active up
line IBO, who will become the new sponsor, and would therefore qualify for 100% Rank
Achievement Bonus and any other bonus, as outlined in the Compensation Plan.
SECTION SIX: PROPRIETARY INFORMATION
6.01 CONFIDENTIALITY AGREEMENT
During the term of the Agreement, The Wealth Builder may supply the Independent
Representatives 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 Representatives (including, but not limited to, credit
data, customer and Independent Representatives profiles and product purchase information),
Independent Representatives 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 Representatives in
strictest confidence on a “need to know” basis for use solely in Independent Representatives
business with the Company. Independent Representatives 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 an Independent
Representatives and thereafter.
Independent Representatives must not use the information to compete with The Company or for
any purpose other than promoting The Company’s program and its products and services. Upon
expiration, non-renewal or termination of the Agreement, Independent Representatives 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 The Company, Independent Representatives must abide
by all manufacturers’ use restrictions and copyright protections.
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 an Independent Representatives
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 Representatives may use the name of Company only in the following format: “The
Wealth Builders Global International LLC”.
7.04 TELEPHONE LISTING
Independent Representatives are not permitted to use Company’s trade name in advertising their
telephone and telecopy numbers in the white or yellow page sections of the telephone book.
Independent Representatives 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 Representatives for
Company”.
7.05 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
Representatives may not represent or imply, directly or indirectly, that Company’s programs,
products or services have been approved or endorsed by any governmental agency.
7.06 RECORDINGS
Independent Representatives 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.
7.07 INDEPENDENT COMMUNICATIONS
Independent Representatives, as Independent Contractors, are encouraged to distribute
information and direction to their respective Downlines. However Independent Representatives
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 Representatives. In order to receive commissions on products and
services 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.-5 p.m., with the exception of
certain holidays as posted by Company.
8.03 COMMISSION PAYMENTS
Commissions are paid to “qualified” Independent Representatives as defined within the
Compensation Plan. Independent Representatives must consult the Compensation Plan for a
detailed explanation of the benefits, commission structure and requirements of the Compensation
Plan
8.04 PAYMENT OF BONUSES AND COMMISSIONS
In order for any member or Independent Representatives to receive any bonuses or commissions
from the Company, the member or Independent Representatives must be “Active” and in “Good
Standing”. “Active” refers to a member or Independent Representatives that is paying their
monthly subscription and using the products and services of the Company on a regular basis.
“Good Standing” refers to a member or Independent Representatives that does not owe any
money to the Company.
8.05 INACTIVE EWALLET
If the Independent Representatives has not logged into his/her THE WEALTH BUILDERS
eWallet account within (120) days, even if his/her account is still open, any and all funds in
his/her eWallet account will be forfeited and returned to THE WEALTH BUILDERS.
SECTION NINE: PURCHASE & SALE OF SERVICES
9.01 PAYMENT OPTIONS
Payments made by credit card may be subject to up to a 24 hour hold during this period we
cannot guarantee your placement in the referral network until payment is authorized. 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 Representatives’ account, which will automatically refund on the next commission
check paid to Independent Representatives. Orders will not be processed if cancellation of a
credit card is made. Orders for services are not effective until accepted by Company.
9.02 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.
9.03 SERVICES CLAIMS
Independent Representatives may make no claim, representation or warranty concerning any
service of Company, except those expressly approved in writing by Company or contained in
official Company materials.
9.04 FAX BLASTS, SPAMMING,
Premier
Fax blasting and unsolicited e-mailing (SPAMMING) is prohibited.
SECTION TEN:
10.01 NO Refund Policy
All sales are final. There is a NO REFUND Policy. You will be notified to accept this agreement
before you purchase your subscription package. This is due to valuable material being available
immediately after you make your purchase. You will be debited the full amount of the package
you select.
.10.02 WARRANTIES
Except as expressly stated herein, Company makes no warranty or representation as to the
merchantability, fitness for a particular purpose, , financial gains or any other warranty
concerning any product or service purchased from or through Company.
.SECTION ELEVEN: GENERAL PROVISIONS
11.01 INDEMNITY AGREEMENT
Each and every Independent Representatives 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
Representatives (a) activities as Independent Representatives; (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
Independent Representatives may not promote or sell another company’s services at functions
organized to feature Company and its products/services. Independent Representatives are not
restricted from selling the services and products of other companies, however promotion of any
other companies’ services, products and/or business programs to Company Independent
Representatives or Customers is strictly prohibited.
11.04 LIABILITY
To the extent permitted by law, Company shall not be liable for, and each Independent
Representatives 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
Representatives as a result of (a) the breach by Independent Representatives of the Agreement
and/or the Terms and Conditions and/or the Policies and Procedures; (b) the operation of
Independent Representatives’ business; (c) any incorrect or wrong data or information provided
by Independent Representatives; 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 Representatives into the Compensation Plan or the payment of commissions and
bonuses.
11.05 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.
11.06 VIOLATIONS
It is the obligation of every Independent Representatives to abide by and maintain the integrity of
the Policies and Procedures and Terms and Conditions. If Independent Representatives observes
another Independent Representatives committing a violation, he or she should discuss the
violation directly with the violating Independent Representatives. If the Independent
Representatives wishes to report such violation the Company, or up lie.
11.07 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. By entering into the Independent
Representatives Agreement, an Affiliate agrees to abide by all amendments or modifications that
Company elects to make. Amendments will be communicated to Independent Representatives
through official Company notifications such as, but not limited to, posting on Company website,
posting in Independent Representatives back office, e-mail, special mailings or 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. The continuation of an Independent Representatives business, the
acceptance of any benefits under the Agreement, or acceptance of commissions from the sale of
products or services constitutes acceptance of all amendments.
11.09 NON-WAIVER PROVISION
No obligation or provision herein, and no custom or practice of the parties at variance with these
Policies and Procedures, shall constitute a waiver of The Company’s right to demand exact
compliance with these Policies and Procedures. Company’s waiver of any particular default by
Independent Representatives 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 Representatives. 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 GOVERNING LAW
The Agreement and these Policies and Procedures shall be governed by the laws in Atlanta GA,
United States.
11.11 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.
11.12 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, the 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 Representatives shall be
bound by any such modification. The modification will be effective only in the jurisdiction in
which it is required.
11.12 LIMITATION OF DAMAGES
To the extent permitted by law, the company and its independent representatives, officers, directors,
employees and other representatives, shall not be liable for, and independent representatives 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. The 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
representatives and any commissions owed to the independent representatives.
11.13 NOTICE
Any communication, notice or demand of any kind whatsoever which either the Independent
Representatives 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.
Headquarters
The Wealth Builder Global International LLC
4600 Roswell Rd NE Atlanta Ga 30342
Email: contact@thewealthbuilder.me

LEGAL DISCLAIMER

Each person’s financial situation is unique. Results may vary, rather its through any of the educational tools we provide such as credit, forex, e- commerce or real estate. The Wealth Builders makes no guarantee of any particular result. The information in our site, videos, and materials is intended for general informational purposes only, and is not to be construed as legal, tax, accounting, or other professional advice. As such, it should not be used as, or relied upon, as a substitute for seeking professional legal, tax, accounting, or other advice. All information in our site, videos, and materials is provided “as-is”, with no guarantee of completeness, accuracy, timeliness, or other results obtained from its use. In no event is The Wealth Builders, its Affiliates, or their agents or employees liable to you or anyone else for any decision made or action taken in reliance on the information in our site, videos and/or materials. “Affiliate” means any entity that directly or indirectly owns or controls, is owned or controlled by, or is under common ownership or common control of the party in question.

EARNS, INCOME REPREENTATIONS, AND RESULTS DISCLAIMER

Earnings and income representations made in our books, videos and other materials are aspirational statements about earnings potential.

The Wealth Builders makes no guarantee that you will receive similar results to our other clients.

CONSUMER REVIEWS & TESTIMONIALS DISCLAIMER

The success stories, testimonials and other examples used are exceptional, non-typical results and are not a guarantee that you or others will achieve the same results. Individual results will always vary and yours will depend entirely on your individual capacity, work ethic, business skills, experience, level of motivation, your own diligence, the economy, the normal and unforeseen risks of doing business, and other factors.

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