Policies & Procedures

This Policies & Procedures article applies to the US. Updated March 9, 2025.

SECTION 1 – INTRODUCTION

1.1 Mutual Commitment Statement

Signature Guestlist Inc. (hereinafter referred to as “NABA” and “Company”) strives to develop a long-term and mutually rewarding relationship with its Members and Customers.

In the spirit of mutual respect and understanding, NABA is committed to:

• Delivering prompt, professional, and courteous service to its Members and Customers;
• Offering products of the highest quality, including those from NABA’s partnered companies, at fair and reasonable prices;
• Honoring the exchange or refund of any product, service, or membership purchase as outlined in NABA’s return policies;
• Ensuring orders are delivered promptly and accurately;
• Paying accurate and timely commissions as earned under the Rewards Plan;
• Swiftly addressing and correcting any errors or unreasonable delays in order fulfillment;
• Supporting, protecting, and upholding the integrity of the NABA business opportunity;
• Equipping Members with access to educational resources, community tools, and networking opportunities to support their personal and professional growth;
• Maintaining a platform and community features that are accessible to all Members, in compliance with applicable laws.

In return, NABA expects that its Members will:

• Conduct themselves with professionalism, honesty, and consideration in all interactions;
• Present NABA the brand, its community, and product information, including those from NABA’s partnered companies, in an accurate, professional, and respectful manner;
• When sharing or discussing the NABA Rewards Plan, accurately and fully represent its details and associated policies as outlined herein;
• Refrain bundled NABA products or services, including those from NABA’s partnered companies, with any Competing Product, or any other competing product or service of NABA, in any sales or marketing materials or meetings, online or otherwise, to avoid confusing or misleading a prospective Customer or Member into believing there is a relationship between NABA and the Competing Product.from making exaggerated income or product claims;
• For Members actively contributing to the growth of the NABA brand and community, make every reasonable effort to support and uplift Members and Customers in their network;
• Refrain from soliciting or disrespectfully recruiting other NABA community Members for products, services, or opportunities outside of NABA; NABA reserves the right to determine, in its sole discretion, if a Member’s actions constitute mass solicitation or intent to undermine the community, which is prohibited; Members shall also avoid unhealthy competition and unethical business practices;
• If you choose to build a business and contribute to the growth of the NABA brand and community, respect the boundaries of fellow Members engaged in similar efforts within the community;
• Actively support, protect, and preserve the integrity of the NABA brand and all its offerings.

Therefore, we ask that you carefully review and adhere to the following Code of Ethics and our Terms & Conditions, making them your daily guiding principles in all NABA-related activities.

1.2 Code of Ethics

NABA desires to provide its independent Members with the best products and services, including those from NABA’s partnered companies, and Rewards Plan in the industry. Accordingly, NABA values constructive criticism and encourages the submission of written comments addressed to NABA’s Compliance Department.

Member’s negative and disparaging comments about NABA, its products, including those from NABA’s partnered companies, these Policies, or Rewards Plan, made to NABA, or to other Members or Customers or at any NABA meeting and/or event, or disruptive behavior at any meeting and/or event, serve no purpose other than to dampen the enthusiasm of other Members and Customers. NABA Members must not belittle NABA, fellow NABA Members, NABA products or services, including those from NABA’s partnered companies, the Rewards Plan, or any and all NABA directors, officers, or employees, product suppliers, or agents. Such conduct represents a material breach of these Policies and Procedures and may result in suspension or termination of the offending Member’s Account.

NABA endorses the following code of ethics:

• A NABA Member must show fairness, tolerance, and respect to all people associated with NABA, regardless of race, gender, social class, or religion, thereby fostering a “positive atmosphere” of teamwork, good morale, and community spirit.
• A Member shall strive to resolve business disputes, including conflicts or disagreements with other Members with tact, sensitivity, and goodwill; and taking care not to create additional conflict.
• NABA Members must be honest, responsible, and professional, and conduct themselves with integrity.
• NABA Members shall not make disparaging statements about NABA, other Members, NABA employees, product suppliers or agents, products, services, including those from NABA’s partnered companies, sales and marketing campaigns, or the Rewards Plan.
• NABA Members shall not make statements that unreasonably offend, mislead, or coerce others.
• Members shall maintain respectful and professional conduct in all online interactions, including posts, comments, and messages within the NABA community, refraining from inflammatory, defamatory, or offensive behavior.
• NABA may take appropriate action against a Member if it determines, in its sole discretion, that a Member’s conduct may damage its reputation or goodwill or negatively affect NABA or its Members.

1.3 The Policies and Procedures

Throughout these Policies & Procedures, when the terms “Policies and Procedures” and/or “Agreement” are used, they collectively refer to the most current version of the following along with any addendums or exhibits thereto:

• NABA Policies and Procedures; and
• NABA Rewards Plan. It is the responsibility of the Sponsoring Member to provide the most current version of these Policies and Procedures (available on the NABA website), the Rewards Plan, and any social media guidelines or any other guidelines that may be implemented from time to time and any amendments thereto to their downline Members and prospects.

1.4 Amendments to the Policies and Procedures

Because Federal, state, and local laws, as well as the business environment, periodically change, NABA reserves the right to amend the Policies and Procedures as well as the ‘NABA Product Price List’ (attached hereto as Addendum 1 and incorporated herein by reference) in its sole and absolute discretion. Notification of any such amendments shall be provided, where NABA deems necessary, through official NABA materials, NABA’s website, social media outlets, and/or Members’ back offices.

NABA may implement changes to the Rewards Plan or this Statement of Policies and Procedures (the “Policies and Procedures”) (Note: such changes will be effective immediately upon the date any such changes are published by NABA). Amendments shall be effective immediately upon notice by one of the following methods:

• Posting on the official NABA website;
• Posted within the NABA community;
• Any NABA communication channels or social media outlets (i.e., Facebook, Instagram, Twitter, and/or NABA Community App). Amendments to this Statement of Policies and Procedures shall apply retroactively, while amendments to the Rewards Plan shall not apply retroactively.

SECTION 2 – BASIC PRINCIPLES

2.1 NABA Membership and Rewards Plan Participation

a. A NABA Member who chooses to participate in the NABA Rewards Plan—defined as sharing NABA with others or selling NABA products, including those from NABA’s partnered companies, with the intent to earn commissions—is classified as an independent contractor. Such a Member is not a franchisee, joint venture Partner, business Partner, employee, or agent of NABA, and is prohibited from stating or implying, whether orally or in writing, otherwise. A NABA Member participating in the Rewards Plan has no authority to bind NABA to any obligation. NABA is not responsible for payment or co-payment of any employee benefits for such Members. A NABA Member participating in the Rewards Plan is responsible for their own liability, health, disability, and workmen’s compensation insurance, as well as their own managerial decisions and expenditures, including all estimated income and self-employment taxes. Such Members are responsible for all applicable taxes on their earnings, regardless of the amount earned; additionally, those who earn over $600 USD in annual commissions are required to submit a W-9 form to NABA before January 10th of the subsequent year in which commissions were paid, in accordance with U.S. tax laws. Failure to submit the W-9 by this deadline will result in NABA withholding commissions, as detailed in Section 6.7. Such a Member sets their own hours and determines how to conduct their Rewards Plan activities, subject to these Policies and Procedures and any other guidelines that may be implemented from time to time. Members who do not participate in the NABA Rewards Plan are not considered independent contractors and are not subject to these specific obligations unless otherwise specified in these Policies and Procedures. The NABA Rewards Plan is available only to Members residing in the United States of America, excluding U.S. territories.

To become a Member, an applicant must:

• Be of the age of majority (not a minor) in his or her state of residence;
• Reside or have a valid address in the United States or U.S. territory in which NABA is licensed to operate;
• Have a valid taxpayer identification number (i.e., Social Security Number or Federal Tax-ID (EIN));
• Enter a verified mobile phone number, which is not in use or associated with any other NABA Account. This will be verified through a verification code sent to the applicant’s mobile phone number;
• Acknowledge and agree to all communication sent by NABA (including but not limited to emails, texts, broadcasts, letters, etc.), with the choice to "opt-out" of these communications.

2.2 New Member Registration

A potential new Member may register on any Member/Sponsor’s website, subject to acceptance by NABA of the applicant’s online enrollment confirming the applicant has agreed to all terms and conditions of these Policies and Procedures.

Electronically submitted and/or signed documents, including, but not limited to, online submissions, automated credit card processing authorization documents, and these Policies and Procedures, are legally binding contracts that must not be altered, tampered with, or changed in any manner after they have been signed and/or submitted. False or misleading information, forged signatures, or alterations to any document, including business registration forms, may lead to sanctions, up to and including involuntary termination of the offending Member’s Account.

An applicant enrolling with NABA must identify a Sponsor in the online enrollment process. If the applicant later enrolls and identifies a different Sponsor, NABA will not accept the later enrollment. NABA reserves the right, at its sole discretion, to make the final decision with respect to any disputes regarding Member enrollments, Sponsors, and Placements.

SECTION 3 – NABA’S MEMBER RESPONSIBILITIES

3.1 Correct Address

It is the responsibility of the Member or Customer to make sure NABA has the correct shipping address before any orders are shipped.

A Member and/or Customer will need to allow up to seventy-two (72) hours for processing after a notice of address change has been received by NABA’s Support Team.

3.2 Training and Leadership

Sponsoring Members should have ongoing contact and communication with the Members in their downline Organization. Examples of communication may include but are not limited to, newsletters, written correspondence, personal telephone calls, team conference calls, voicemail, email, personal meetings, training sessions, events, workshops, and any other related contact. Any NABA business-related training outside of a Member’s Organization is prohibited. Members may not charge an admission fee for any NABA business-related training without prior written authorization from the NABA Compliance Department.

A Sponsoring Member should monitor the Members in his or her downline Organization to ensure that downline Members do not make improper product or business claims or engage in any illegal or inappropriate conduct. Upon request, a Sponsoring Member must provide documented evidence to NABA of his or her ongoing fulfillment of responsibilities outlined in Section 3.2.

Upline Members are encouraged to educate and train new Members about NABA’s products and services, including those from NABA’s partnered companies, effective sales techniques, the Rewards Plan, compliance with these Policies and Procedures, and any and all social media guidelines or any other guidelines issued by NABA. Marketing product is a required activity in NABA and must be emphasized in all recruiting presentations.

Use of Sales Aids. To promote NABA products and NABA business opportunity, including those from NABA’s partnered companies, Members are encouraged to use the sales aids and support materials produced or expressly authorized by NABA. Members may use and publish marketing materials they design only after such materials have been approved by NABA. A Member’s unauthorized use of sales aids or promotional materials, including but not limited to internet advertising and social media marketing on Facebook, Instagram, and the like, through channels not expressly authorized by NABA, is a violation of these Policies and Procedures. Additionally, publishing marketing materials that violate statutes or regulatory laws governing how NABA’s products or business opportunity may be marketed is a violation of these Policies and Procedures and may result in immediate termination of the publisher’s NABA Account. Any such violations could jeopardize the NABA opportunity for all Members. Accordingly, Members must submit via email all sales aids, promotional materials, advertisements, websites, training material, flyers, along with any other literature to NABA’s Compliance Department for approval prior to use at support@naba.com. Unless the Member receives written approval to use the submitted material(s), the request shall be deemed denied. All Members shall safeguard and promote the good reputation of NABA and its products, including those from NABA’s partnered companies. The marketing and promotion of NABA, the NABA business opportunity, the Rewards Plan, and NABA products and services, including those from NABA’s partnered companies, shall be consistent with the public interest and must avoid all discourteous, deceptive, misleading, unethical, or immoral conduct or practices.

3.3 Sponsorship

NABA may, at its discretion, refer to the role of "Sponsor" using different terminology in its operations or communications; however, for the purposes of these Policies and Procedures, this role is designated as the "Sponsor." The Sponsor is the person who introduces a Member or Customer to NABA, helps them complete their enrollment, and supports and trains those in their network.

NABA recognizes the Sponsor as the name shown on an applicant’s first enrollment submission to NABA.

An applicant may not enroll with NABA as a Member without personally accepting and agreeing to the terms and conditions of these Policies and Procedures.

NABA recognizes that each new prospect has the right to ultimately choose his or her own Sponsor, but NABA will not allow Members to engage in unethical Sponsoring activities.

All active Members in good standing have the right to Sponsor and enroll others into NABA. While engaged in sponsoring activities, it is not uncommon to encounter situations where more than one Member has approached the same prospect. In this scenario, the new prospect has the ultimate authority to choose whom they would like to be their Sponsor.

In the event of a dispute regarding Sponsorship, NABA reserves the right to designate a prospect’s Sponsor and all such determinations are final.

3.4 Unethical Sponsoring

Unethical Sponsoring activities include but are not limited to, enticing, bidding, or engaging in unhealthy competition by attempting to acquire a prospect or new Member away from a fellow Member or influencing another Member to transfer to a different Sponsor.

Allegations of unethical sponsoring must be reported in writing to the NABA Compliance Department within the first 30 days of the new Member enrollment in question. If reports of unethical sponsoring are substantiated, NABA may transfer the Member or the Member’s downline to another Sponsor or Organization without approval from the current up-line Sponsor. NABA remains the final authority in such cases.

NABA prohibits the unauthorized manipulation of the NABA Rewards Plan and/or marketing plan to trigger commissions or cause the promotion of a downline Member in an unearned manner (hereinafter, “Stacking”). For example, Stacking occurs when a Sponsor places Member(s) under an inactive downline without the Member’s knowledge to trigger unearned qualification for commissioning purposes. Stacking is an unethical, punishable offense that may result in immediate termination of the Accounts of all Members, individuals, and/or entities found to be involved.

3.5 Cross Sponsoring Prohibition

“Cross Sponsoring” is the enrollment into a different Line of Sponsorship of an individual or Business Entity that previously enrolled as a Member. Actual or attempted cross Sponsoring is strictly prohibited and may result in termination of the offending Member’s Account.

Enrollment through use of a Spouse or relative’s name, trade name, assumed name, Business Entity, or fictitious identification of any kind to evade or circumvent this Cross-Sponsoring Policy is strictly prohibited.

This Policy does not prohibit the transfer of a NABA Account and business in accordance with the Transfer of Sale or Transfer Policy set forth in these Policies and Procedures.

3.6 Solicitation for Other Companies or Products

During the term of their membership and abiding by these Policies and Procedures, a NABA Member may not Solicit any fellow NABA Member or Active Customer for any competing product or service of NABA, unless that Member or Customer was personally Sponsored by such Member. For forty-five (45) days following the termination of their membership, this restriction continues to apply.

During the term of these Policies and Procedures, a NABA Member may not offer or sell Competing Products or Solicit any fellow NABA Member or Active Customer for any competing product or service of NABA, including those from NABA’s partnered companies.

A Member is prohibited from Soliciting any fellow NABA Member or Customer for any competing product or service of NABA at or immediately following any NABA-related meeting, event, seminar, convention, or other forum of any kind, live or virtual (e.g., online chats, NABA Facebook Groups, NABA Community app, live video streams, etc.), that other NABA Members or Customers are known to be attending. A Member may also not offer or sell any “swag” (clothing, accessories, shakers, etc.) representing a competing product or service of NABA at any such event without the prior written authorization of NABA’s Compliance Department.

A Member may not charge an admission fee to any opportunity or business building event/party, educational event, seminar, webinar, convention, or other forum of any kind, live or virtual, put on by the Member without prior written authorization from the NABA Compliance Department. Any Member seeking authorization under this paragraph must submit a written request to support@naba.com.

A Member may not display or bundle NABA products or services, including those from NABA’s partnered companies, with any Competing Product, or any other competing product or service of NABA, in any sales or marketing materials or meetings, online or otherwise, to avoid confusing or misleading a prospective Customer or Member into believing there is a relationship between NABA and the Competing Product.

A Member shall not Solicit any person or entity in the NABA community for any non-NABA business-related training or educational services that require participants to pay an admission fee without prior written authorization from the NABA Compliance Department. Any Member seeking authorization to conduct training under this provision must submit a written request to support@naba.com that fully describes the nature of training, the training curriculum, the date of the proposed training, remuneration, if any, and the people or entity that will receive the training. Any approval granted by NABA terminates at the conclusion of the specific training event described in Member’s written request and Member must seek approval under this provision for any and all future training events.

A violation of any of the provisions in this section shall constitute unreasonable and unwarranted contractual interference between NABA and its Members and will inflict irreparable harm on NABA. In such event, NABA may, at its sole discretion, impose any sanction it deems necessary and appropriate against the Member including termination of the offending Member’s Account, and/or seeking immediate injunctive relief without the necessity of posting a bond in addition to any other legal remedies that NABA may be entitled.

SECTION 4 – AGREEMENTS & GENERAL UNDERSTANDINGS

4.1 Rights Granted

So long as a Member remains active—defined as maintaining a current monthly, annual, or lifetime membership—and complies with the terms of these Policies and Procedures, NABA grants Members the following non-exclusive rights:

• To purchase NABA products and services, including supplements when available, at standard prices and at special discounted rates as determined by NABA;
• To promote and sell NABA products and services, including those from NABA’s partnered companies, through channels expressly authorized by NABA;
• To use NABA trademarks and intellectual property subject to the limitations set forth in these Policies and Procedures;
• To Sponsor new Members and Customers in countries where NABA is currently authorized to do business or becomes authorized to do business in the future;
• To participate in the NABA Rewards Plan (provided the Member qualifies under Section 2.1(a));
• To earn bonuses and commissions as set forth in the Rewards Plan;
• To promote their NABA business through channels expressly authorized by NABA, such as a replicated website provided by NABA, approved social media channels, affiliate links, or other methods as determined by NABA in the future;
• To access NABA-provided educational resources, community tools, and networking opportunities to support their personal and professional growth. NABA reserves the right to approve all Members’ promotional material as set forth in these Policies and Procedures. No feature of the NABA Rewards Plan constitutes a personal purchase requirement to become a Member, move up in rank, or otherwise fully participate in the Rewards Plan. No product purchase is required of anyone at any time to fully participate as a Member.

4.2 Term and Renewal

The term of these Policies and Procedures corresponds to the membership option selected by the Member at the time of enrollment: a monthly recurring membership (MRR), an annual recurring membership (ARR), or a lifetime membership. Monthly and annual memberships are automatically renewed for successive terms of the same duration unless terminated as set forth in these Policies and Procedures. NABA may notify the Member via email or the NABA Community App prior to the expiration of a monthly or annual term to inform them that their membership is nearing its renewal date, though such notification is not guaranteed. A lifetime membership remains in effect indefinitely unless terminated under these Policies and Procedures.

To renew these Policies and Procedures, the Member must be in good standing and comply with all terms set forth herein. NABA reserves the right not to renew these Policies and Procedures in its sole discretion, with or without cause.

If a Member fails to pay the annual membership renewal fee when it is due, the Member’s Account will be downgraded to a Customer level and the Member will lose any and all rights to earn any commissions and/or bonuses associated therewith. The Member shall not be eligible to re-enroll with NABA under a new Sponsor for six (6) months following the downgrade of the Account to a Customer level. Upon downgrade of the Account, the commissions will roll up to the immediate, active Upline Sponsor.

If a Member pays the membership renewal fee after it is due the Member is not eligible to receive commissions or bonuses for any part of the period the Account was downgraded to a Customer level.

By enrolling as a Member, you consent to NABA charging your card an annual membership fee. This fee will be charged each year you elect to remain a Member. If you would like to cancel your membership or otherwise modify the method of payment or recurring charge, you may do so by contacting NABA at support@naba.com.

4.3 Effect of Suspension or Termination

Following suspension or voluntary or involuntary termination of a Member’s NABA Account (collectively, “Suspension or Termination”), such Member:

• Shall have no right, title, claim, or interest to any commission or bonus, including NABA points, from the sales generated by the Member’s former Organization or any other payments in association with the Member’s suspended or terminated Account;
• Effectively waives any and all claims to property rights or any interest in or to the Member’s former network;
• Shall receive commissions and bonuses only for the last full pay period in which their membership was active prior to Suspension or Termination, less any amounts withheld during an investigation preceding an involuntary termination, less NABA points which are not redeemable for cash, and less any other amounts owed to NABA;
• Shall not be entitled to refunds for any membership fees, products, or services purchased, regardless of the reason for Suspension or Termination, unless otherwise required by applicable law;
• NABA reserves the right, in its sole discretion, to restrict or remove access to specific community features—such as the ability to post, send messages, or engage in other interactive functions—if NABA determines that a Member’s actions are problematic, disruptive, or in violation of these Policies and Procedures;
• Upon termination or dormancy due to inactivity for one (1) year or more, the Member forfeits all funds in its commissions and/or Pay-Out Accounts and authorizes NABA to seize funds and close the Accounts;
• Upon termination, NABA reserves the right to remove or retain any content posted by the Member on newsfeeds or community features, in accordance with the license granted in Section 14.5.

4.4 Voluntary Termination

A Member may terminate their monthly or annual membership at any time and for any reason directly within their NABA Account. If assistance is needed, the Member may contact NABA customer support at support@naba.com. Termination shall be effective as of the date the Member processes the termination through their NABA Account or, if specified by the Member, a later date selected during the termination process. For Members requiring assistance, termination shall be effective upon NABA’s receipt of the request or a later date as specified by the Member. NABA will confirm termination with the Member via email within seven (7) business days following the effective date of termination.

A Member who terminates their Policies and Procedures shall receive commissions and bonuses only through the last full pay period in which their membership was active prior to the effective date of termination, less any amounts withheld during an investigation, less NABA points which are not redeemable for cash, and less any other amounts owed to NABA.

A Member may not use voluntary Account termination as a way to immediately change Sponsor or Placement. A Member who has voluntarily terminated an Account is not eligible to re-enroll with NABA or have any financial interest in any NABA business for six (6) months from NABA’s receipt of the written notice of termination. A terminated Member who promotes NABA products or services during this six (6) month waiting period by using another Member’s or Customer’s referral code is in violation of this provision and shall not be permitted to re-enroll until six (6) months following any such offending conduct has ceased.

4.5 Business Entity Members

A corporation, limited liability company, partnership, or trust (collectively referred to as a “Business Entity”) may apply to become a NABA Member by submitting a properly completed Business Entity Registration Form along with its Member enrollment submission. Members residing in Mexico and Canada are not eligible to enroll as a Business Entity.

Upon termination of the Business Entity’s Policies and Procedures, any commission or bonuses shall be paid to the Business Entity, unless NABA receives written notice of dissolution of the Business Entity, including instruction as to which individual or entity shall receive commissions or bonuses following dissolution.

A Business Entity shall be responsible for violations of these Policies and Procedures by its Members, shareholders, managers, employees, or agents acting on behalf of the Business Entity.

A Member may modify his or her existing NABA Account to add a Spouse or partner to the Member’s Account or change the form of ownership from an individual to a Business Entity by submitting a written request to NABA’s Support Department and returning any documentation requested by NABA’s Support Department to make such modification.

4.6 NABA Member Account

Upon NABA’s acceptance of a Member’s enrollment submission, NABA will establish a NABA Member Account for such Member. The account provides all Members with access to NABA’s platform, including educational resources, community tools, and networking opportunities to support their personal and professional growth. For Members interested in participating in the NABA Rewards Plan, the following additional features are available through their account:

• A replicated website for the Member’s use in promoting their NABA business through channels expressly authorized by NABA, with additional options such as discount or tracking codes potentially available as determined by NABA in the future;
• Access to a back office containing training and promotional materials, communication tools, commission reports, and other business management tools;
• Ability to track retail sales, Member enrollments, commissions, bonuses, and genealogy. Members may not transfer or assign their NABA Member Account to any other individual or entity absent written authorization from NABA’s Compliance Department.

4.7 Succession

This section applies to Members who have elected to engage with the NABA Rewards Plan and build a business. In the event of death or incapacity of such a Member, the Member’s NABA Account and rights granted under these Policies and Procedures may be passed to the Member’s designated heirs or successors, provided the following conditions are met:

• The successor must submit a new Member enrollment submission identifying themselves as the successor to the deceased or incapacitated Member’s NABA Account along with acceptable proof of death or legal documentation of incapacity;
• The successor must join NABA under a new membership, at which point NABA may transfer the deceased or incapacitated Member’s NABA Rewards Plan data to their account;
• The successor must comply with the terms and conditions of these Policies and Procedures;
• The successor will do their best to support the existing customers in the NABA Rewards business, if applicable. Succession of a NABA Account does not affect the Line of Sponsorship and network structure in place at the time of the Member’s death or incapacity. NABA reserves the right to approve or deny any succession request in its sole discretion.

4.8 Re-Enrollment

Any Member who terminates their Policies and Procedures may re-enroll with NABA under new Policies and Procedures after a period of forty-five (45) days has elapsed from the effective date of termination, absent a shorter period expressly authorized in writing by NABA’s Compliance Department. Such Member may choose a new Sponsor when re-enrolling with NABA.

A Member who re-enrolls shall not have access to their previous network absent express written authorization from NABA’s Compliance Department.

In the event a Member discovers that a Member in their downline has re-enrolled under a different Member, the Member has thirty (30) days from the date the downline Member enrolled under a new Member to notify the NABA Compliance department and request the downline Member be transferred back to his/her downline. Upon the expiration of the thirty (30) day notice period, the right to re-claim a new Member to his or her downline will be waived.

4.9 Independent Contractor Status

A NABA Member who chooses to participate in the NABA Rewards Plan—defined as sharing NABA with others or selling NABA products, including those from NABA’s partnered companies, with the intent to earn commissions—is an independent contractor and not a purchaser of a franchise or business opportunity. These Policies and Procedures between NABA and such Members does not create an employer-employee relationship, agency, partnership, or joint venture between NABA and the Member. Members who do not participate in the NABA Rewards Plan are not considered independent contractors.

A NABA Member participating in the NABA Rewards Plan shall not be treated as an employee of NABA for any purpose including, without limitation, federal, state, or local tax purposes or labor or employment law purposes. Each such Member shall be responsible for paying all local, state, and federal taxes due from all compensation earned as a NABA Member through the Rewards Plan. NABA shall not withhold any taxes from a Member’s commissions or bonuses and shall report such Member earnings to applicable taxing authorities as required by law. Members participating in the NABA Rewards Plan have no authority (expressed or implied) to bind NABA to any obligation.

Each NABA Member participating in the NABA Rewards Plan shall establish their own business goals, hours, and methods of promotion and sale, subject to compliance with these Policies and Procedures.

Placement changes/corrections may be requested within seventy-two (72) hours from the time a first order is placed in connection with the requesting Member’s Account. Such adjustments require written permission directed to NABA’s Support Department submitted from the personal back office of the Sponsor as well as the Member to be moved and in some cases the Upline Member.

Sponsor changes are generally not permitted. However, Sponsor corrections can be made if they are reported to NABA’s Support Department within seventy-two (72) hours from the time a first order is placed in connection with the requesting Member’s Account. Sponsor corrections must be requested from the back office of the current (original) Sponsor, stating the reason that the correction needs to be made.

At the discretion of NABA, Members who have not ordered NABA products or services for at least twelve (12) months, and whose Account has not been terminated, are eligible to re-enroll in NABA under the Sponsor/Placement of their choice.

When a former Member re-enrolls with NABA, NABA will “compress” (close) the Member’s original Account, and a new NABA User ID number be issued to the Member. In this scenario, a Member does not retain former rank, downline Organization, or rights to commissions from the Member’s former NABA business or Account.

NABA reserves the right to correct Sponsor or Placement errors at any time and in whatever manner it deems necessary in its sole discretion.

4.10 Involuntary Termination

NABA reserves the right to terminate a NABA membership at any time in its sole discretion for reasons including, but not limited to:

• Violation of any provision of these Policies and Procedures;
• Violation of any applicable law, ordinance, or regulation relating to the NABA business;
• Engaging in unethical business practices or violating standards of fair dealing;
• Engaging in any conduct that NABA determines, in its sole discretion, may damage its reputation or goodwill or negatively affect NABA or its Members;
• Member initiates, joins, or otherwise voluntarily participates in a lawsuit against NABA, its directors, officers, employees, and/or agents. NABA may terminate a NABA membership without prior notice to the Member. Upon involuntary termination, NABA may, in its sole discretion:
• Terminate any commissions and bonuses not yet paid to the Member at the effective date of termination;
• Retain or remove any content posted by the Member on newsfeeds or community features, in accordance with the license granted in Section 14.5. A former Member shall thereafter be prohibited from using the names, marks or signs, labels, stationery, advertising, or business material referring to or relating to any NABA products or services, including those from NABA’s partnered companies. NABA will notify the active Upline Sponsor within ten (10) days after termination. The Organization of the terminated Member will “roll up” to the active Upline Sponsor on record. A Member who is involuntarily terminated by NABA may not re-enroll as a Member, either under his or her present name or any other name or Business Entity, without the express written consent of an officer of NABA, following a review by the NABA Compliance Committee. If such consent is granted, the Member may not re-enroll as a Member for twelve (12) months following the date of termination.

4.11 Placement Lounge

When a Member personally enrolls Members or Customers, they are automatically placed in the Member’s Placement Lounge as described in Addendum 2 attached hereto, for up to six (6) months.

Member has up to six (6) months to place the new Member or Customer into an open position in their Organization placement tree. Upon the expiration of six (6) months, this option expires indefinitely. Once a Member or Customer in the Placement Lounge has been placed, they cannot be moved again.

4.12 Change of Organizations

If a Member wishes to change Organizations within NABA, the Member must submit a notice of voluntary termination to the NABA Compliance Department in accordance with Section 4.4 above, and remain inactive (place no orders, or be on an auto-ship) with or in NABA for six (6) months from the date NABA acknowledges receipt of the notice before being eligible to re-enroll under a different Sponsor/Placement.

NABA retains the right to approve or deny any request to re-enroll after a Member’s termination. Members within the same downline Organization simultaneously submitting notices of voluntary termination to transfer Organizations in accordance with Section 4.12 (a) will be deemed an abuse of these Policies and Procedures.

If re-enrollment is approved, the former Member will be issued a new NABA User ID after accepting and agreeing to the terms of these Policies and Procedures in effect at that time. The re-enrolled Member will not be entitled to keep any former rank, downline, or rights to commissions associated with the Member’s prior NABA User ID/Account.

SECTION 5 – BUSINESS ENTITIES

5.1 Trademarks and Copyrights

The name “NABA,” all other names of NABA products or services, and the names, logos, or designs associated with supplements or products from companies partnered with NABA may be or are registered trademarks, servicemarks, or copyrights of NABA or its partners and may not be used by Members absent prior express written authorization from NABA.

A NABA Member may not use NABA trademarks, servicemarks, copyrights, logos, or designs, or those of NABA’s partnered companies, in any manner including but not limited to the following: on any product or service not produced or authorized by NABA or its partners; on promotional items such as clothing, shakers, or accessories; as part of a Member’s replicated website URL or email address; as part of a Member’s social media account name or handle.

A Member may claim to be a “NABA Member” on social media or in promotional material subject to compliance with these Policies and Procedures.

5.2 Indemnification for Actions

A Member is fully responsible for all of his or her verbal and written communications made regarding NABA products, services, and the Rewards Plan that are not expressly contained within official NABA materials. Members shall indemnify and hold harmless NABA, its directors, officers, employees, product suppliers, and agents from any and against all liability including judgments, civil penalties, refunds, attorney’s fees, and court costs incurred by NABA as a result of the Member’s unauthorized representations or actions. This provision shall survive the cessation of a Member’s active membership, whether through voluntary termination or involuntary termination by NABA. If any lawsuit, arbitration, or mediation is brought against a Member alleging that they engaged in inappropriate Solicitation of another company’s sales force or customers, NABA will not pay any of Member’s defense costs or legal fees, nor will NABA indemnify the Member for any judgment, award, or settlement.

5.3 Use of NABA Literature

Only sales aids, promotional material, and literature published or expressly authorized in writing by NABA or its partnered companies may be used to promote or sell NABA products and services, including those from partnered companies, or the NABA business opportunity. No other sales aids, promotional material, or literature may be used absent prior express written authorization from NABA’s Compliance Department.

All requests for approval of Member-created sales aids, promotional material, or literature must be submitted in writing to NABA’s Compliance Department at support@naba.com.

5.4 Authorized Channels for Promotion

NABA Members may promote NABA products and services, including those from NABA’s partnered companies, only through channels expressly authorized by NABA, including but not limited to a replicated website provided by NABA under Section 4.6, approved social media channels, or other promotional avenues designated by NABA such as referral tools or affiliate links as may be determined in the future.

A NABA Member may not:

• Promote NABA products and services, including those from NABA’s partnered companies, through unauthorized channels or websites;
• Use promotional channels or material that NABA determines, in its sole discretion, may damage its reputation or goodwill or negatively affect NABA or its Members.

5.5 Authorized Channels for Sales

NABA Members may sell NABA products and services, including those from NABA’s partnered companies, only through channels expressly authorized by NABA, including but not limited to a replicated website provided by NABA under Section 4.6, approved social media channels, or other sales avenues designated by NABA such as referral tools or affiliate links as may be determined in the future.

A NABA Member may not:

• Sell NABA products and services, including those from NABA’s partnered companies, through unauthorized channels or websites;
• Use sales channels or material that NABA determines, in its sole discretion, may damage its reputation or goodwill or negatively affect NABA or its Members.

5.6 Advertising and Promotion Guidelines

NABA Members may advertise or promote their NABA business, including products and services from NABA’s partnered companies, through media including but not limited to print media, television, radio, and internet advertising, provided such advertising or promotion complies with these Policies and Procedures.

A NABA Member may not:

• Make claims about NABA products or services or the NABA business opportunity that are not contained in official NABA materials;
• Use advertising or promotional material that NABA determines, in its sole discretion, may damage its reputation or goodwill or negatively affect NABA or its Members.

SECTION 6 – POLICY VIOLATIONS

6.1 Reporting Policy Violation

A Member who observes a violation of these Policies and Procedures by another Member or Customer should submit any such violation(s) to the NABA Compliance Department via email to support@naba.com. The email should include:

• The nature of the violation(s);
• Specific facts to support the allegations;
• Dates;
• Number of occurrences;
• Persons involved; and
• Supporting documentation. The Compliance Department will investigate the reported violation(s), and NABA will take appropriate action if warranted.

6.2 Adherence to the NABA Rewards Plan

A Member must adhere to the terms of the NABA Rewards Plan, including those from NABA’s partnered companies.

A Member shall not:

• Offer the NABA business opportunity through, or in combination with, any other system, program, or method of marketing other than that specifically set forth in Official NABA Literature;
• Require or encourage a current or prospective Member to participate in NABA in any manner that varies from the Rewards Plan as set forth in Official NABA Literature;
• Require or encourage a current or prospective Member to make a purchase from or payment to any individual or other entity as a condition of participating in the NABA Rewards Plan.

6.3 Compliance with Laws and Taxes

Many cities, counties, and townships have laws regulating certain home-based businesses. Members and Customers shall comply with all federal, state, and local laws, ordinances, and regulations in conducting their NABA business. A Member understands and agrees that he/she/it is solely responsible for any and all fines and liabilities incurred as a result of the Member’s or Customer’s violation(s) of applicable laws, regulations, and/or ordinances.

A Member accepts sole responsibility for and agrees to pay all federal, state, provincial, and local taxes on any income generated as a Member, and further agrees to indemnify NABA from any failure to pay such taxes when due. NABA encourages Members to consult with their tax advisor(s) to ensure compliance with all applicable laws and understand the tax consequences as an independent contractor. At the end of each calendar year, NABA will issue to each Member IRS Form 1099, or other applicable documentation required by law, for non-employee compensation. If a Member’s business is tax-exempt, the Federal Tax-ID (EIN) must be provided to NABA in writing along with any additional documentation requested reflecting such status. NABA is required to charge and remit sales tax to the various states or provinces based on the retail price, including receipt of trips, prizes, or awards, for all NABA products and services, including those from partnered companies, per the NABA Product Price List. In the United States, NABA will charge and remit sales tax based on charges in the amount of $600.00 or more per calendar year.

6.4 One NABA Account Per Member

A Member may operate or have an ownership interest, legal or equitable, as a sole proprietorship, partner, shareholder, trustee, or beneficiary, in only one (1) NABA Account and business associated therewith. No individual (together with their Spouse) may have, operate, or receive compensation from more than one NABA Account and business associated therewith. Individuals of the same Family Unit, excluding Spouses, may each enter into or have an interest in their own separate NABA Account, only if each subsequent family position is placed frontline to the first family member enrolled. Each position must build their position separate and independent of the other, or the position will be deemed to be Stacking. In the event two Members that have established Accounts subsequently get married, they are eligible to maintain their separate Accounts.

6.5 Actions of Household Members or Affiliated Parties

If any member of a Member’s immediate household engages in any activity which, if performed by the Member, would violate any provision of these Policies and Procedures, such activity will be deemed a violation by the Member, and NABA may take disciplinary action pursuant to these Policies and Procedures against the Member. Similarly, if any individual associated in any way with a Business Entity violates these Policies and Procedures, such action(s) will be deemed a violation by the Business Entity, and NABA may take disciplinary action against the Business Entity. Likewise, if a Member is a Business Entity, any owner, member, officer, and/or affiliate of that Business Entity shall be personally and individually bound to, and must comply with, these Policies and Procedures.

6.6 Identification Numbers and Pay-Out

Each Member is required to provide a Social Security Number or Federal Tax-ID (EIN), if located in the United States or any of its territories, to NABA at the time the Member initiates a transfer of funds or earnings accumulated in the Member’s Wallet. The transferring and disbursement of commission payments or bonuses acquired is known as a “Pay-Out,” and NABA reserves the right to withhold Pay-Out from any Member who fails to provide a valid Social Security Number or Federal Tax-ID (EIN) or who provides false information. Upon enrollment, NABA will provide a NABA User ID to the Member. This number will be used to place orders, structure Organizations, and track commissions and bonuses.

6.7 Sale, Assignment, or Transfer of Ownership

A Member may not sell, assign, or transfer his or her rights or delegate his or her Account or position as a Member without NABA’s prior written approval, which will not be unreasonably withheld. All parties involved in any transaction described in this Section 6.7 must be in good standing with NABA to be eligible for any proposed sale, assignment, or transfer. Any attempted sale, assignment, or transfer without NABA’s approval may be voided at the discretion of NABA. Any approved buyer/assignee/transferee shall assume the position of the Member at the current qualified title, but at the current “paid as” rank, at the time of the sale and acquire the Member’s downline Organization. To request the sale, transfer, or assignment of a NABA position, a Member must request a Transfer of Account Request Form from NABA’s Support Department and submit the following items to the NABA Compliance Department:

• A fully executed, dated, and properly completed NABA Transfer of Account Request Form;
• A fully executed, dated, and notarized agreement between the Member and the proposed buyer/transferee/assignee; and
• Any additional supporting documentation requested by NABA. Any debt obligations that any party involved in the proposed transaction may have with NABA must be satisfied in full prior to the approval of any sale, transfer, or assignment. A Member who sells, transfers, or assigns his/her/its NABA position is not eligible to re-enroll as a NABA Member for six (6) full calendar months following the date of the sale, transfer, or assignment except as otherwise expressly permitted by these Policies and Procedures.

6.8 Separating a NABA Business

Pending a divorce or dissolution of a Business Entity, the parties must adopt one of the following methods of operation:

• One of the parties may, with the written consent of the other(s), operate the NABA business whereby the relinquishing Spouse, shareholder, partner, member, or trustee (“Relinquishing Party”) authorizes NABA to deal directly and solely with the non-Relinquishing Party.
• The parties may continue to operate the NABA business jointly on a “business as usual” basis. All compensation paid by NABA will be to the individual(s) or Business Entity named as the Member on the Account, and the Member shall indemnify NABA from any and all claims of any other party with respect to the NABA business and Account and any payment(s) made in connection therewith. NABA recognizes only one downline Organization and will issue only one commission payment transfer per NABA Account per commission cycle. Under no circumstances will the downline of an Organization be divided, nor will NABA split commissions and/or bonuses. If a Relinquishing Party has completely relinquished, in writing, all rights to the original NABA business and Account, the Relinquishing Party may immediately thereafter re-enroll under the Sponsor and Placement of his or her choice. In such cases, however, the Relinquishing Party shall have no rights to, and shall not solicit, any Member or active Customer in the former Organization, and must develop a new business in the same manner as any other new NABA Member. A Member in the Relinquishing Party’s former downline Organization who wishes to transfer to the Relinquishing Party’s new Organization or to any other Organization must comply with the requirements in Section 4.0.

6.9 Succession

These Policies and Procedures shall be binding upon and inure to the benefit of the parties and their respective successors and assigns. Upon the death or incapacity of a Member, the Member’s Account and business associated therewith may be passed on to his or her legal successors in interest (“Successor”). Whenever a NABA business is transferred by will, the successor acquires the right to collect all bonuses and commissions of the deceased Member’s sales Organization. The Successor must:

• Accept and agree to all terms of these Policies and Procedures;
• Comply with the terms and provisions of these Policies and Procedures; and
• Meet all of the qualifications for the last rank achieved by the former Member. Any bonuses and/or commissions transferred pursuant to this section will be paid in a single transfer to the successor, except for NABA points which hold no cash value. The successor must provide NABA with an “address of record” to which all bonuses and commissions Pay-Out will be sent. Payments will be based on the current performance of the position, not the highest rank or volume achieved. If a NABA business is bequeathed to joint devisees, they must form a Business Entity and acquire a Federal Tax ID (EIN). NABA will issue all bonus and commission payments to the managing Business Entity only. Appropriate legal documentation must be submitted to the NABA Compliance Department to ensure the transfer is done properly. To affect a testamentary transfer of a NABA business, the Successor must provide:
• A certified copy of the death certificate; and
• A notarized copy of the will. To complete a transfer due to incapacity, the Successor must provide:
• A notarized copy of an appointment as trustee;
• A notarized copy of the trust document or other appropriate legal documentation establishing the trustee’s right to administer the NABA business; and
• These Policies and Procedures accepted and agreed to by the trustee in writing. If the Successor is already an existing Member, NABA will allow such Member to keep his or her own position plus the inherited position active for up to six (6) months. By the end of the six (6) month period, the Member must have compressed (if applicable), sold, or otherwise transferred either the existing position or the inherited position. If the Successor wishes to terminate the NABA position, he or she must submit a notarized statement stating the desire to terminate the position, along with a certified copy of the death certificate, appointment as trustee, and/or any other appropriate legal documentation. Upon written request, NABA may grant a one (1) month bereavement waiver and payout at the last “paid as” rank.

SECTION 7 – DISCIPLINARY ACTIONS

7.1 Imposition of Disciplinary Action - Purpose

It is the spirit of NABA that integrity and fairness should pervade among its Members, thereby providing everyone with an equal opportunity to build a successful business. Therefore, NABA reserves the right to impose disciplinary sanctions at any time when it has determined that a Member has violated these Policies and Procedures, as it may be amended from time to time by NABA in accordance herewith.

7.2 Consequences and Remedies of Breach

Disciplinary actions may include one or more of the following:

• Monitoring a Member’s conduct over a specified period of time to assure compliance;
• Alerting the Member’s upline so that the upline may further educate Member and/or take proactive action to protect the NABA community from cross-recruiting, disparagement, etc.;
• Issuance of a written warning or requiring the Member to take immediate corrective action;
• Imposition of a fine (which may be imposed immediately or withheld from future commission payments) or the withholding of commission payments (“Commission Hold”) until the matter causing the Commission Hold is resolved or until NABA receives adequate additional assurances from the Member to ensure future compliance;
• Suspension from participation in NABA or Member events, rewards, or recognition;
• Suspension of these Policies and Procedures and position for one or more pay periods;
• Involuntary termination of the Member’s Policies and Procedures and position;
• Any measure or combination of measures above which NABA deems feasible and appropriate to justly resolve injuries caused by the Member’s policy violation, contractual breach, or conduct that may damage NABA’s reputation or goodwill; or
• Legal proceedings for monetary or equitable relief.

7.3 Suspension Procedures

• First Violation: Counseling and initial warning letter. A first violation usually occurs because the Member is not familiar with these Policies and Procedures or the law. Counseling and the initial warning provide an opportunity for the Compliance Department to bring to the attention of the Member these Policies and Procedures and the specific violation, and to provide counseling on complying with these Policies and Procedures and applicable laws. The Compliance Department will also describe expectations and steps the Member must take to resolve the violation including, but not limited to, either removing or revising the non-compliant claim or how to remedy other policy violations. Within three days of such notice, the Compliance Department will determine if the non-compliant material or other policy violation has been remediated. If so, the Compliance Department will close the file. If not, the Compliance Department will proceed to the 2nd violation notice described below.
• Second Violation: Second warning letter and suspension. Although it is hoped that the Member will promptly correct the violation(s), NABA recognizes that this may not always occur. The second written warning indicates the seriousness of repeated violations and will prompt a temporary suspension of the Member’s account. During the suspension period, the Member waives any and all rights to Pay-Out and must submit a signed reinstatement letter wherein the Member acknowledges the violation(s) and describes the steps taken to correct the violation(s). Once the reinstatement letter is accepted by NABA, the suspension will be lifted, and the Member will be able to request a Pay-Out. The Member may be subject to additional discipline up to and including termination if the violation is not remedied or further violations occur.
• Third Violation: Suspension and final written warning. Repeated violations of these Policies and Procedures are very problematic and potentially harmful. Therefore, the most effective and prudent action is suspension of the Member and forfeiture of commissions for at least a month. The final written warning letter will include notification of such suspension, the extent of the commission forfeiture, and an indication that if the Member violates these Policies and Procedures again, the Member will be terminated immediately.
• Fourth Violation: Termination. As described above, NABA will try to exercise the progressive nature of the discipline policy by first providing warnings, a final written warning, and suspension and commission forfeiture before proceeding to termination of the Member’s NABA Account. NABA will notify the Member in writing if/when the Account is terminated. NABA reserves the right to combine and omit steps depending on the circumstances of each situation and the nature of the violation. Furthermore, a Member may be terminated without prior notice or disciplinary action, as authorized by these Policies and Procedures.

SECTION 8 – DISPUTE RESOLUTION

8.1 Grievances Against Another Member

If a NABA Member has a grievance or complaint against another Member regarding any practice or conduct relating to their NABA businesses, he or she is encouraged to resolve the issue directly with the other party. If an agreement cannot be reached, it must be reported directly to the NABA Compliance Department as outlined below (see Section 6.1 for reporting policy violations to the Compliance Department). The NABA Compliance Department will be the final authority on settling grievances or complaints, and its written decision shall be final and binding on the Members involved. NABA will confine its involvement to disputes regarding NABA business matters only. NABA will not decide issues that involve personality conflicts or unprofessional conduct by or between Members outside the context of a NABA business. These issues go beyond the scope of NABA and may not be used to justify a Sponsor or Placement change or a transfer to another NABA Organization. NABA does not consider, enforce, or mediate third-party agreements between Members, nor does it provide names, funding, or advice for obtaining outside legal counsel.

Process for Grievances:

• The NABA Member should submit a letter of complaint (e-mail will be accepted) directly to the NABA Compliance Department. The letter shall set forth the details of the incident as follows:
  • The nature of the violation;
  • Specific facts to support the allegations;
  • Dates;
  • Number of occurrences;
  • Persons involved; and
  • Supporting documentation.
• Upon receipt of the written complaint, NABA will conduct an investigation according to the following procedures:
  • The NABA Compliance Department will send an acknowledgment of receipt to the complaining Member;
  • The NABA Compliance Department will provide a verbal or written notice of the allegation to the Member under investigation. If written notice is sent to the Member, he or she will have 10 business days from the date of the notification letter to present all information relating to the incident for review by NABA;
  • The NABA Compliance Department will thoroughly investigate the complaint and consider all the submitted information it deems relevant, including information from collateral sources. Due to the unique nature of each situation, determinations of the appropriate remedy will be on a case-by-case basis, and the length of time to reach a resolution will vary; and
  • During the course of the investigation, the Compliance Department will only provide periodic updates simply stating that the investigation is ongoing. No other information will be released during this time. Member calls, letters, and requests for “progress reports” during the course of the investigation will not be answered or returned. NABA will make a final decision and timely notify the NABA Members involved.

8.2 Mediation of Disputes Between a Member and NABA

Member and NABA (collectively “the Parties”) recognize disputes and differences may arise between the Parties and therefore agree it is in their best interest to appoint an impartial mediator to resolve such disputes as they arise. Mediation of a dispute may allow the parties to avoid the cost and inconvenience of litigation in court. The Parties should exchange all documents pertinent to the relief requested. The mediator may request the exchange of memoranda and other information; items that a party wishes to keep confidential may be sent to the mediator in a separate communication. The mediator shall not be a legal representative of any party. Unless otherwise agreed to by the Parties, the mediation shall take place in Chambers County, Texas, on a date that is mutually agreeable among the Parties and the mediator. Participation in the mediation by telephone will be permitted to prevent inconvenience to a party. The mediator shall allow the Parties to be represented by their respective advocates, who have the authority to consummate a settlement. Any party may participate without representation (pro se). Mediation sessions and related mediation communications are private proceedings. For this reason, only the Parties and their legal representatives may attend mediation sessions. Other persons may attend only with the permission of the Parties and with the consent of the mediator. Each Party will pay its own costs and expenses of the mediation unless the Parties agree otherwise. The Parties agree that all mediation communications are privileged and not subject to discovery or admissible in evidence in a proceeding unless waived or precluded by both Parties or unless the evidence would otherwise be admissible or subject to discovery if it were not by reason of its disclosure or use in mediation. The jurisdiction and venue of any controversy or claim brought under this mediation provision shall be in Chambers County, Texas. The Parties further agree that the laws of the State of Texas shall govern all matters, claims, or controversy submitted to mediation pursuant to these Policies and Procedures.

8.3 Severability

If any provision of these Policies and Procedures is found to be invalid, or unenforceable for any reason, only the invalid provision shall be severed. The remaining terms and provisions hereof shall remain in full force and shall be construed as if such invalid or unenforceable provision never had comprised a part of these Policies and Procedures.

8.4 Waiver

Only an officer of NABA can, in writing, affect a waiver of these Policies and Procedures. NABA’s waiver of any particular breach by a Member shall not affect NABA’s rights with respect to any subsequent breach, nor shall it affect the rights or obligations of any other Member. The existence of any claim or cause of action of a Member against NABA shall not constitute a defense to NABA’s enforcement of any term or provision of these Policies and Procedures.

8.5 Governing Law

The Parties agree that the jurisdiction and venue of any controversy or claim arising from these Policies and Procedures or between NABA and the Member shall be in Chambers County, Texas. The law of the State of Texas shall govern all matters relating to or arising from these Policies and Procedures or between NABA and Member, without regard for any provisions regarding choice of law.

8.6 Class Action Waiver

The parties expressly intend and agree that:

• Class action and representative action procedures are hereby waived and shall not be asserted, nor will they apply, in any court or arbitration; and
• The parties will only submit their own, individual claims in any court or arbitration and will not seek to represent the interests of any other person. The court or arbitrator is not empowered to consolidate the claims of different individuals into one proceeding, or to hear any litigation or arbitration as a class action. As a NABA Member and/or Customer, I agree that I will not assert class or collective action claims against NABA in arbitration, court, or otherwise, nor will I join or serve as a member of a class or collective action in arbitration, court, or otherwise. As a Member and/or Customer, I understand that this means that there will be no right or authority for any dispute to be brought, heard, or arbitrated as a class or collective action by me or NABA.

SECTION 9 – PAYMENT OF COMMISSIONS & BONUSES

9.1 Bonus and Commission Qualifications

A Member must be active and in compliance with any and all NABA Policies and Procedures set forth herein, along with all guidelines implemented, to qualify for bonuses and commissions. So long as a Member complies with the terms and conditions set forth in these Policies and Procedures, NABA shall pay commissions to such Members in accordance with the Rewards Plan and any amendments thereto, based on sales of NABA products and services, including those from NABA’s partnered companies. NABA will not issue payment in any form to a Member without receipt of a Member’s annual membership and renewal membership fee and a properly completed electronic enrollment as a NABA Member, including the Member’s acceptance of and agreement to these Policies and Procedures. NABA reserves the right to postpone bonus and commission payments until such time the cumulative amount exceeds $25.00. Bonuses in the form of NABA points are not redeemable for cash.

9.2 Computation of Commissions and Discrepancies

In order to qualify to receive commissions and/or bonuses, a Member must be in good standing and comply with the terms of these Policies and Procedures. Commissions, bonuses, overrides, and achievement levels are calculated on a daily, monthly, or yearly basis. A NABA Member must review his or her monthly statement and bonus/commission reports promptly and report any discrepancies within thirty (30) days of receipt. After the thirty (30) day “grace period,” no additional requests will be considered for commission recalculations. For additional information on payment of commissions, please review the Rewards Plan. NABA reserves the right, in its sole discretion, to modify or amend the terms or conditions of any Bonus or Bonus Pool. Furthermore, NABA may amortize the payment of proceeds from a Bonus or Bonus Pool.

9.3 Adjustments to Bonuses and Commissions for Returned Products or Member Memberships

A Member receives bonuses and commissions based on the actual sales of products and services to end consumers and to Members through product and service purchases. When a product or service is returned to NABA for a refund from the end consumer or by a Member, the bonuses and commissions attributable to the returned product or service will be deducted from the Member who received bonuses or commissions on such sales. Deductions will occur in the month in which the refund is given and continue every pay period thereafter until the bonus and/or commission is recovered. In the event that a Member terminates his or her position, and the amounts of the bonuses or commissions attributable to the returned products or services have not yet been fully recovered by NABA, the remainder of the outstanding balance may be offset against any other amounts that may be owed by NABA to the terminated Member.

SECTION 10 – ORDERING PRODUCT

10.1 General Product Ordering Policies

“Bonus Buying” is strictly and absolutely prohibited. Bonus Buying includes: (a) the enrollment of individuals or entities without the knowledge of and/or execution of an Application by such individuals or Business Entities; (b) the fraudulent enrollment of an individual or entity as a Member or Customer; (c) the enrollment or attempted enrollment of non-existent individuals or Business Entities as Members or Customers (“phantoms”); (d) purchasing NABA products or services on behalf of another Member or Customer, or under another Member’s or Customer’s ID number, to qualify for commissions or bonuses; (e) purchasing excessive amounts of products, services, or smartships that cannot reasonably be used or resold in a month; and/or (f) any other mechanism or artifice to qualify for rank advancement, incentives, prizes, commissions, or bonuses that is not driven by bona fide product or service purchases by end consumers. NABA requires that Members use their own credit cards and not allow others to use them. A Member shall not use another Member’s or Customer’s credit card or debit account to enroll in NABA or purchase products, services, or smartship. Regarding an order with an invalid or incorrect payment, NABA will attempt to contact the Member by phone, mail, or e-mail in order to obtain another form of payment. If these attempts are unsuccessful after the expiration of ten (10) business days, the order will be canceled. Prices are subject to change without notice. A Member or Customer who is a recipient of a damaged or incorrect order must notify NABA within thirty (30) calendar days from receipt of the order and follow steps set forth in these Policies and Procedures, along with NABA Return/Exchange Policies and other guidelines pertaining to product returns and exchanges.

10.2 Sales to Customers

Sales to retail customers may be done directly through Members’ replicated websites or directly using products that NABA has in inventory, through channels expressly authorized by NABA, such as replicated websites or approved social media channels. Members will comply with applicable consumer protection laws and regulations (including any consumer rights to receive specific notices and any rights to return products) afforded to consumers under applicable consumer protection legislation. When making a sale to an end Customer, a Member must provide him/her with an official NABA retail receipt at or prior to the time of the initial sale and every sale thereafter. Members will need to customize the template with his/her personal information. If the Customer exercises the right to cancel the sale, the Member shall follow the refund procedures described in this section. The Customer should return all unused product to NABA. These sales receipts set forth the consumer protection rights afforded by applicable law for direct sales, including the right to cancel (without any reason) the sales receipt up to ten (10) days after the end Customer receives a copy of the receipt or invoice.

10.3 Payment Policies

All electronic payments that are declined for insufficient funds will be automatically re-submitted for payment. Any outstanding balance owed to NABA by a Member or Customer of a Member from non-sufficient funds (“NSF”) or insufficient fund (“ACH”) fees will be withheld by NABA from that Member’s future bonus and commission funds. All transactions involving insufficient funds through ACH or credit card, which are not resolved in a timely manner by the Member, constitute grounds for disciplinary sanctions or termination of the account. If a credit card order or automatic debit is declined the first time, the Customer or Member will be contacted directly and a request for an alternate form of payment will be made before any product will be shipped. If payment is declined a second time, the Customer or Member may be deemed ineligible to purchase NABA products or services or participate in the monthly auto-ship. Note: Participation by Members in NABA’s monthly SmartShip (a recurring product order program) is entirely optional and is not required in order to become a Member, move up in rank, or otherwise fully participate in the NABA Rewards Plan. Credit card purchases may only be made by the individual or Business Entity whose name appears on the credit card. A Member or Customer may not use another individual’s or Business Entity’s credit card to purchase NABA products (regardless of whether that Member/Customer has permission from that individual/entity to do so). NABA considers such transactions fraudulent and will report them to the proper authorities for settlement. Under no circumstance will any Member or Customer chargeback any credit card purchase. The Member or Customer Account associated with any credit card chargeback request will be terminated immediately without notice to the Member or Customer. Upon termination of a Member’s Account, the Member’s NABA points balance will be cleared, as they are not redeemable for cash. All Member or Customer requests for refunds or returns must be done in accordance with these Policies and Procedures.

10.4 Sales Tax Obligation

Members shall comply with all federal, state, and local tax laws and regulations governing the sale of NABA products and services, including those from NABA’s partnered companies. NABA collects and remits sales tax on all Member and Customer orders. When orders are placed with NABA, sales tax is prepaid based upon the suggested retail price and remitted to the appropriate state and local jurisdictions. Members may recover the sales tax when he or she makes a sale. Members are responsible for any additional sales taxes due on products marked up and sold at a higher price. NABA encourages each Member to consult with a tax advisor for additional information for his or her business.

10.5 Refund Policy

NABA Customers and Members

• • U.S. Customers and Members: The refund policy for product purchases applies equally to Customers and Members. For NABA merchandise such as hats or clothes, if within thirty (30) days of purchase a Customer or Member is not satisfied with the product for any reason, they may contact Naba Support to return the unused item for a full refund of the product purchase amount, minus shipping and handling charges incurred. Returns for all other products purchased through the NABA website or by Members, including those from NABA’s partnered companies (e.g., supplements or other goods), are subject to the specific return policies of the partnered company from which the product was sourced. For inquiries or assistance with returns, Customers and Members may contact support via the NABA website, their NABA account, or by emailing Naba Support. Because NABA cannot guarantee the quality or authenticity of products sold through unauthorized channels, whether by Members or non-Members (e.g., third-party marketplaces, personal websites not approved by NABA, or other unapproved outlets), or purchased secondhand from an original buyer (e.g., resold between individuals outside NABA’s authorized system), this Refund Policy does not apply to such purchases.
  
• Memberships: If within seventy-two (72) hours of enrolling in a NABA Membership, a Member is not satisfied with the Membership, the Member may contact Naba Support to request a full refund. Any such refund may result in the termination of the Member’s Membership, including Community Access and NABA Rewards account.
  
• Damaged or Defective Products: If a Customer or Member receives a product that is damaged or otherwise defective, they may return the product within thirty (30) days of receipt for a full refund or replacement product, subject to the partnered company’s return policy where applicable (excluding merchandise like hats or clothes, which follow the merchandise refund terms above). Contact Naba Support for assistance.

Problems with Shipments

• Problems with Shipments: If within thirty (30) days of the expected reported delivery date, you do not notify Naba Support of a problem with the receipt of your order, including but not limited to, failure to receive the product, improper sealing, damage to the container, quality of the internal product, and/or receipt of wrong product, refunds or exchanges will not be given.
• All purchases are charged and refunded in U.S. Dollars. 
• All returns, refunds, and exchanges will also be refunded or exchanged in U.S. Dollars.
  
• Exceptions / Non-Returnable Items: Unfortunately, we cannot accept returns on sale items or gift cards.
  
• See Section 14.6 for shipping details, the return process, and shipping-related concerns.

10.6 Return Process

All returns, whether by a Customer or Member, must be made as follows:

• Obtain a Return Merchandise Authorization (“RMA”) from NABA by contacting Naba Support and submitting a request.
• Ship items to the address provided by NABA customer service when you receive your RMA.
• Provide a copy of the sales receipt or invoice with the returned products or services. Such invoice must reference the RMA and include the reason for the return.
• Ship product(s) back in the original manufacturer’s box exactly as it was delivered.
• All returns must be shipped to NABA pre-paid, as NABA does not accept shipping collect packages. NABA recommends shipping returned products by UPS or FedEx which includes tracking information and insurance, as the risk of loss or damage in the shipping process of the returned product shall be borne solely by the Customer or Member. If the returned product is not received at the address provided on the RMA, it is the responsibility of the Customer or Member to trace the shipment of the product wherein no credit will be applied. Returning $500 or more of NABA products accompanied by a request for a refund within one (1) calendar year by a Member may constitute grounds for involuntary termination of the Member’s account.

SECTION 11 – NABA OPPORTUNITY

11.1 Presentation of Rewards Plan

In presenting the NABA business opportunity, a Member is required to:

• Refrain from misquoting or omitting any material fact about the Rewards Plan;
• Clearly explain that the Rewards Plan is based upon sales of NABA products and services, including those from NABA’s partnered companies;
• Not make income projections, claims, or guarantees while presenting or discussing the NABA opportunity or Rewards Plan to prospective Members or Customers;
• Inform all prospective Members that success requires substantial work;
• Not make any claims regarding products or services of any products offered by NABA, except those contained in official NABA literature; and
• Not use official NABA material to promote the NABA business opportunity in any country where NABA is not duly authorized to conduct business.

11.2 Sales Requirements Are Governed by the Rewards Plan

NABA will provide suggested selling prices. There are no exclusive territories granted to anyone. No franchise fees are applicable to a NABA business. NABA products may only be sold where NABA is licensed or otherwise authorized to conduct business. The NABA Rewards program is built on sales to the ultimate consumer or end user. NABA encourages its Members to only purchase inventory, in reasonable quantities, that they and their family will personally consume, will be used as a sales tool, or will be resold to others for their ultimate consumption. Members must never attempt to influence any other Member to buy more products than they can reasonably use or sell to retail Customers in a month. Each NABA Member commits to personally use, sell, or use in business building at least seventy percent (70%) of every order placed with NABA prior to placing another order and must be able to certify as much as demanded by NABA or by any regulatory agency. Purchasing products solely for the purpose of collecting bonuses or achieving rank is strictly prohibited. NABA retains the right to limit the amount of purchases you may make if, in our sole judgment, we believe those purchases are being made solely for qualification purposes instead of for consumption or resale.

SECTION 12 – PROPRIETARY INFORMATION & TRADE SECRETS

12.1 Reports

By agreeing to these Policies and Procedures, the Member acknowledges that business reports, lists of Customer and Member names and contact information, and any other information that contains financial, scientific, or other information both written or otherwise circulated by NABA or about the business of NABA (collectively, “Reports”), are confidential and proprietary information and trade secrets belonging to NABA.

12.2 Obligation of Confidentiality

During the term of these Policies and Procedures and for a period of two (2) years after the termination or expiration of these Policies and Procedures between the Member and NABA, the Member shall not:

• Use the information in the Reports to compete with NABA or for any purpose other than promoting his or her NABA business;
• Use or disclose to any person or entity any confidential information contained in the Reports, including disclosure or use to replicate or attempt to replicate the Member’s Upline and/or downline Organization genealogy in another network marketing company.

12.3 Breach and Remedies

The Member acknowledges that the Reports and other confidential and proprietary information of NABA is of such character as to render it unique and that disclosure or use thereof in violation of this provision will result in irreparable damage to NABA and to independent NABA businesses. NABA and its Members will be entitled to injunctive relief and/or to recover damages against any Member who violates his or her obligations in section 12.2 in any action to enforce its rights under this section. The prevailing party shall be entitled to an award of attorney’s fees, court costs, and expenses in addition to any award of damages.

12.4 Return of Materials

Upon demand by NABA, any current or former Member will return the original and all copies of all Reports to NABA together with any NABA confidential information in such person’s possession.

SECTION 13 – PRIVACY POLICY

13.1 Introduction

This Privacy Policy is to ensure that all Customers and Members understand and adhere to the basic principles of confidentiality. Without limiting the terms of this section, all Members must comply with applicable privacy laws governing the collection, use, and disclosure of Customer and fellow Member information.

13.2 Expectations of Privacy

NABA recognizes and respects the importance its Customers and Members place on the privacy of their financial and personal information. NABA will make reasonable efforts to safeguard the privacy of, and maintain the confidentiality of its Customers’, and Members’ financial and account information and nonpublic personal information. By entering into these Policies and Procedures, a Member or Customer authorizes NABA to disclose his or her name and contact information to Upline Members solely for activities related to the furtherance of the NABA business. A Member hereby agrees to maintain the confidentiality and security of such information and to use it solely for the purpose of supporting and servicing his or her downline Organization and conducting the NABA business.

13.3 Employee Access to Information

NABA limits the number of employees who have access to Customers’ and Members’ nonpublic personal information.

13.4 Restrictions on the Disclosure of Account Information

NABA will not share non-public personal information or financial information about current or former Customers or Members with third parties, except as permitted or required by laws and regulations, court orders, or to serve the Customers’, or Members’ interests or to enforce its rights or obligations under these Policies and Procedures or with written permission from the account holder on file.

13.5 Use of Data and Metadata for Business Purposes

By entering into these Policies and Procedures or engaging with NABA as a Customer, you authorize NABA to collect, use, store, and process your data and metadata in connection with your use of NABA’s services, products, community features, and Rewards Plan. This includes personal information (such as name, contact details, and purchase history), account activity, interactions within the NABA community, and metadata (e.g., device information, IP addresses, and usage patterns).

NABA may use this data and metadata to:

• Provide, maintain, and enhance our services, products, and community offerings;
• Personalize your experience, such as delivering tailored content, promotions, or educational resources;
• Analyze trends and performance to improve NABA’s operations and Rewards Plan;
• Share aggregated, anonymized, or de-identified data with third parties (e.g., partners or researchers) for analytics, marketing insights, or business development, provided such sharing complies with applicable privacy laws; and
• Support advertising or promotional efforts within NABA’s ecosystem, such as targeting offers to Members based on their interests or activities. NABA will not sell or transfer your personally identifiable information (e.g., name, email, or Social Security Number) to third parties for their independent use without your explicit consent, except as required by law, to enforce our rights under these Policies and Procedures, or to protect the safety and integrity of NABA, its Members, and Customers. You may adjust your privacy preferences through your NABA Account settings, though some data usage is necessary to deliver our services. For more details, refer to NABA’s full Privacy Policy on our website.

SECTION 14 – PRODUCT INSPECTION, QUALITY CONTROLS, ADVERTISING, PROMOTIONAL MATERIAL, USE OF NABA AND TRADEMARKS

14.1 Inspection, Product Care, and Quality Controls

Promptly upon receipt, Members shall inspect NABA products and their packaging for damage, broken seals, evidence of tampering, or other product defects. If a product is defective or damaged, Members shall not sell the product and must report the defect or damage to NABA. Members may return products that are damaged or otherwise defective within thirty (30) days of receipt for a full refund or replacement. Members must comply with all instructions provided by NABA regarding the proper care, storage, and handling of NABA products. Additionally, Members shall store all NABA products in a dry place at room temperature, away from direct sunlight. Members shall also regularly inspect inventory for products that are expired or that will expire within 60 days, and shall not sell any such products. If NABA discovers that a Member is not properly inspecting products upon receipt, not properly storing and caring for NABA products, and/or selling products that are damaged or otherwise defective, NABA will investigate the Member and take remedial and disciplinary action up to and including involuntary termination of these Policies and Procedures.

14.2 Labeling, Packaging, and Displaying Products

A NABA Member and/or Customer may not re-label, re-package, refill, or alter labels of any NABA product, or service, information, materials, or program(s) in any way. NABA products and services must only be sold in their original containers from NABA. Such re-labeling or re-packaging violates federal and regulatory laws, which may result in criminal or civil penalties or liability. A NABA Member shall not cause any NABA product or service or any NABA trade name to be sold or displayed in retail establishments, except:

• Where professional services are the primary source of revenue and product sales are secondary (e.g., doctor’s offices, clinics, health clubs, spas, and beauty salons); and
• Where the retail establishment is owned or managed by the NABA Member and the store does not exceed $1 million in annual gross revenue, and there are five (5) or fewer stores under common ownership of management. A Member may sell NABA products and services and display the NABA trade name at any appropriate display booth (such as trade shows, expositions, conferences, etc.) with the express written consent of NABA. A Member or Customer is prohibited from selling NABA products and services and displaying the NABA trade name, trademark, or service mark at any kiosk or booth located in any retail establishment, such as a mall or retail facility. NABA reserves the right to refuse authorization to participate at any function that it does not deem a suitable forum for the promotion of its products and services, or the NABA opportunity.

14.3 Use of Company Names and Protected Materials

A NABA Member must safeguard and promote the good reputation of NABA and the products and services it markets. The marketing and promotion of NABA, the NABA opportunity, the Rewards Plan, and NABA products and services will be consistent with the public interest and must avoid all discourteous, deceptive, misleading, unethical, or immoral conduct and practices. All promotional materials must comply with these Policies and Procedures and be submitted to NABA for approval prior to use if not provided by NABA.

14.4 Marketing and Advertising Restrictions

Members must adhere to all marketing and advertising guidelines set forth in these Policies and Procedures, including those in Section 5.6. PROFILES A MEMBER OR CUSTOMER GENERATES IN ANY SOCIAL COMMUNITY WHERE NABA IS DISCUSSED OR MENTIONED MUST CLEARLY IDENTIFY THE MEMBER AS AN INDEPENDENT NABA MEMBER. Members may not use NABA’s name, trademarks, or logos in a manner that implies an official endorsement or affiliation beyond their status as an independent Member. Advertising content must not include inappropriate material (e.g., adult, profane, or misleading content) as determined by NABA in its sole discretion.

14.5 User-Generated Content and Testimonials

Definition: User-Generated Content ("UGC") refers to any content—including but not limited to text, posts, comments, reviews, photos, videos, audio, or other materials—created and submitted by Members or Customers to NABA’s platform, community features (including newsfeeds with various names), replicated websites, approved social media channels, or any other NABA-related service or event.

License Grant: By submitting UGC, you grant NABA a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use, reproduce, modify, distribute, display, perform, and create derivative works of your UGC in connection with operating, promoting, and improving NABA’s services, products, Rewards Plan, and community. This includes but is not limited to, using UGC in marketing materials, educational content, social media, or third-party partnerships, provided such use complies with applicable privacy laws. You waive any right to compensation for NABA’s use of your UGC, though NABA may attribute authorship where feasible.

Ownership: You retain ownership of your UGC, subject to the license granted herein. NABA does not claim ownership of your UGC beyond the rights necessary to operate and promote its services.

Content Standards: You agree that your UGC will:

• Be accurate, truthful, and reflect your honest opinions or experiences;
• Not contain illegal, obscene, defamatory, threatening, infringing, or otherwise objectionable material, as determined by NABA in its sole discretion;
• Comply with these Policies and Procedures, including Sections 5.4–5.6 (Authorized Channels and Advertising Guidelines) and 14.4 (Marketing and Advertising Restrictions). NABA reserves the right to monitor, edit, remove, or refuse any UGC that violates these standards or may damage NABA’s reputation or goodwill, without prior notice.
• Testimonials: If your UGC includes testimonials or personal likeness (e.g., photos, videos), you represent that it reflects your current, original, honest opinion, thoughts, beliefs, findings, or experiences based on your actual use of NABA products or services. You must notify NABA immediately at support@naba.com if your views change. If you do not wish your testimonials or likeness to be used in NABA’s sales or marketing materials, you may opt out by submitting written notice to the NABA Compliance Department at support@naba.com.
• Responsibility and Liability Disclaimer: You are solely responsible for your UGC and any consequences arising from its submission. NABA is not liable for any UGC posted by Members or Customers, including content on community newsfeeds or features, as NABA acts solely as a platform for such content and does not endorse or assume responsibility for it. NABA may take action under Section 7 (Disciplinary Actions) for violations.
• Survival: This license survives the termination of your Policies and Procedures or Customer relationship with NABA, allowing NABA to retain and use UGC previously submitted, subject to applicable law.

SECTION 15 – INTERNATIONAL MARKETING

15.1 International Marketing Policy

NABA currently operates only in the United States (excluding U.S. territories unless explicitly authorized). Members are prohibited from marketing, selling, or promoting NABA products, services, or the business opportunity in any country where NABA is not officially authorized to conduct business. Any attempt to do so may result in disciplinary action, including termination of these Policies and Procedures.

GLOSSARY OF TERMS

• Active Customer: A Customer who has recently purchased NABA products or services and remains in good standing with NABA, as determined by NABA or its partnered companies’ policies.
• Active Member: A Member with a current monthly, annual, or lifetime membership who complies with these Policies and Procedures.
• Business Entity: A corporation, limited liability company, partnership, or trust enrolled as a NABA Member under these Policies and Procedures.
• Commission: Monetary compensation paid to a Member based on sales of NABA products or services, as outlined in the Rewards Plan.
• Community Features: Interactive elements of NABA’s platform, including newsfeeds with various names, where Members and Customers can post, comment, or engage.
• Competing Product: Any product or service that competes directly with NABA’s offerings, including those from partnered companies, as determined by NABA in its sole discretion.
• Customer: An individual or entity purchasing NABA products or services without enrolling as a Member.
• Downline: The network of Members and Customers enrolled beneath a specific Member in their Organization.
• Member: An individual or Business Entity enrolled with NABA who has accepted these Policies and Procedures, including those participating in the Rewards Plan as independent contractors.
• NABA Points: Non-cash rewards earned through the Rewards Plan, not redeemable for cash.
• Newsfeeds: Named sections within NABA’s community features where Members and Customers can post User-Generated Content (UGC).
• Official NABA Literature: Materials produced or expressly authorized by NABA for use by Members and Customers in promoting or operating their NABA business.
• Organization: The collective network of Members and Customers beneath a Member, including their downline.
• Pay-Out: The transfer or disbursement of commissions or bonuses from a Member’s Wallet to their designated payment method.
• Policies and Procedures: The comprehensive agreement between NABA and its Members, encompassing this document and the Rewards Plan, as amended by NABA.
• Rewards Plan: The compensation structure for Members participating in sales and sponsorship activities, as defined and amended by NABA.
• Solicit/Solicitation: The act of offering, promoting, or selling products, services, or opportunities, directly or indirectly, to another person or entity.
• Sponsor: A Member who introduces and enrolls another Member or Customer into NABA and provides ongoing support.
• Stacking: The unethical practice of placing Members in a downline without their knowledge to trigger unearned commissions or rank advancements in the Rewards Plan.
• Upline: The line of Members above a specific Member in their Organization.
• User-Generated Content (UGC): Any content (e.g., text, posts, comments, photos, videos) created and submitted by Members or Customers to NABA’s platform, including newsfeeds and community features.
• Wallet: The digital account where a Member’s commissions and bonuses are accumulated prior to Pay-Out.