Policies and Procedures

Debt-FREE & Prosperous Living, Inc.
Statement of Policies and Procedures for DFPL Independent Contractors

DEBT-FREE & PROSPEROUS LIVING, INC.’S Policies and Procedures are established to support the Company, its Customers, its Independent Contractors and Resellers. DFPL reserves the right to institute, alter or modify prices, company literature, company policies, and compensation plan. DFPL will make every effort to keep all aspects of its business beyond reproach legally, ethically and morally. DFPL will also make every feasible effort to be timely and responsive to the needs of customers and Independent Contractors, and provide a sound foundation for a long-term, profitable business relationship.

VIOLATION OF ANY OF THESE POLICIES OR PROCEDURES SHALL RESULT IN THE TERMINATION OF THIS INDEPENDENT CONTRACTOR AGREEMENT AND ALL PAYMENTS WILL BE STOPPED!

1. This statement of Policies and Procedures is incorporated into the IC Agreement, located on a separate document on this web site. Both this document and the IC Agreement constitute the entire agreement between the parties regarding their business relationship.

2. Federal and State regulatory agencies do not approve or endorse business of any type. Therefore, IC’s may not represent that any DFPL products, services, or marketing plans have been approved or endorsed by any governmental agency.

3. DFPL reserves the right to terminate an IC at any time, for cause, when it is determined that the IC has violated the provisions of this agreement, including the provisions of these policies and procedures as they may be amended, or the provisions of applicable laws and standards of fair dealing. Such involuntary termination shall be made by DFPL at its discretion. However, written notice shall be provided by DFPL prior to termination to allow for appeal or correction of the violation. Upon an involuntary termination, DFPL shall notify the IC by certified mail at their latest address listed with the company. The IC will have fifteen (15) calendar days from the date the certified letter was mailed to appeal the termination in writing. The written appeal is expected to contain, but is not limited to, new facts and/or mitigating circumstances. In the event of termination, the terminated IC agrees to immediately cease representing him/herself as an Independent Contractor. Where applicable state law on termination of an IC is inconsistent with DFPL policy, such state law termination procedures shall be in force.

4. DFPL encourages each IC to keep accurate sales records. Earnings are based upon retail sales to consumers; therefore all products and services are offered to IC’s only for sale to consumers and, at the IC’s elections, personal purchase. Each IC is encouraged to set up his/her own hours and to determine his/her method of marketing, so long as he/she complies with the policies and procedures herein.

5. Upon the death or incapacity of the IC, his/her rights to commissions and position, together with the IC’s responsibilities, shall pass to his/her successors. Written application and approval of the successor(s) by DFPL is required. The successor IC must fulfill all responsibilities of the previous IC.

6. DFPL reserves the right to approve or disapprove an IC’s change of business name, in connection with the formation of a partnership, corporation, and/or trust for tax, estate planning, or limited liability purposes. If approved, the organization’s new name must appear on a new Independent Contractor Agreement, along with the appropriate Social Security or Federal Identification Number. A partnership or corporation may be an IC.

7. DFPL does not waive its right to insist on compliance with these Policies and Procedures or with the applicable laws governing the conduct of business. This is true in all cases, both specifically expressed and implied, unless an officer of DFPL who is authorized to bind DFPL in contracts or agreements, specifies in writing that DFPL waives any of these provisions. In addition, any time DFPL gives permission for a breach of these Policies and Procedures, that permission does not extend to future breaches.

8. Except for specified advertising materials provided by the company, IC’s may not reproduce DFPL marketing materials, or use DFPL’s company logos, trademarks, trade names, literature, or the words or content of any literature or recorded message, in any type of advertising without prior written approval from DFPL.

9. IC’s are required to purchase the IC Business Manual. They will receive training by reading and studying this manual, studying other official DFPL training materials, and by attending DFPL training meetings as available.

10. DFPL will supply 1099 tax forms, as required by law, at year-end for all IC’s who have received income directly from DFPL during the calendar year.

11. Any controversy or claim arising out of, or relating to this agreement, or breach thereof, shall be settled by arbitration utilizing no less than three arbitrators administered by the American Arbitration Association in Madison, Wisconsin under it Commercial arbitration rules, and judgment on The award rendered by arbitrator(s) may be entered in any court having jurisdiction thereof. Arbitration shall be brought on an individual basis and not as a class or consolidation action. IC’s waive all rights to jury or court trial.

12. IC’s agree to refrain from directly or indirectly competing with DFPL during the term of this agreement and for a period of two years following the termination of this agreement for any reason. “Competing” is defined as having financial interest, either directly or indirectly, in any entity that provides and markets products or services in competition with DFPL’s products or services.

13. IC’s agree to refrain from directly or indirectly attempting to sell, license or provide products offered by another company, which are the same as or similar to products or services offered by DFPL, to any DFPL customer or client during the life of this agreement or for a period of two years upon the termination of this agreement. IC’s will not directly or indirectly solicit, induce, or attempt to induce any employee of DFPL to terminate his or her employment with DFPL.

14. IC will not at any time or in any manner, either directly or indirectly, use for their own personal benefit, or divulge, disclose, or communicate in any manner any information that is proprietary to DFPL. IC’s will protect such information and treat it as strictly confidential. The obligation of the IC not to disclose confidential information shall continue for a period of five years after the effective date of this Agreement. Within 30 days after the receiving a written request, the IC will return to DFPL all records, notes, documentation and other items that were used, created, or controlled by the IC.

15. IC’s may return marketing materials or information products (except mailed newsletters) within one year of purchase, in re-saleable condition for a refund. Shipping charges will not be refunded, and there will be a 10% re-stocking charge. Resigning IC’s must request a refund before their resignation becomes effective.

16. Partial Invalidity. Should any portion of these Policies and Procedures and/or this Independent Contractor Agreement, or any other instrument referred to herein or issued by DFPL be declared invalid by a court of competent jurisdiction, the balance of such rules, regulations and/or Independent Contractor Agreement, or instrument shall remain in full force and effect.