INDEPENDENT REP AGREEMENT 
 

  1. Responsibility of IR. It is the Independent Representative’s (IR) responsibility to study, fully understand and abide by all marketing materials and rules and policies of CIB governing the marketing of the products and the guidelines the IR must follow whenever the IR promotes the Consumer Information Bureau (CIB) program to prospective customers.
  1. Foundation of CIB. CIB was built on a solid legal foundation to help consumers with information on how to exercise the rights afforded to them by the Fair Credit Reporting Act (Public Law 91-508, 1970) and other laws. These laws were enacted to give consumers protection against the intrusion of the credit bureaus into our private lives. Section 611 (Fair Credit Reporting Act) details the procedures to follow in case of disputed accuracy in a credit report. The language is quite precise and is written to protect the consumer.
  1. Independent Contractor. IR is of legal age in the state of his or her residency. IR agree that he or she is an independent contractor, responsible for determining his or her own business activities and not an agent, employee, or legal representative of Consumer Information Bureau. IR is responsible for the payment of all federal and state self employment taxes and any other tax required under any federal, state, regulatory, or taxing agency.
  1. IR Position. The Independent Representative (IR) position does not constitute the sale of a franchise or a distributorship and no fees or purchases have been or will be required from me for the right to promote the CIB program pursuant to this agreement. 
  1. Modification of Procedures and Policies. In order to maintain a viable marketing program and to comply with changes in federal, state, or local laws or economic conditions, CIB may provide policies and procedures and rules and regulations from time to time, as well as modify its Independent Reps (IR) compensation program. Such policies and procedures and rules and regulations and compensation plan modifications, and all changes thereto, shall upon notice to IR become a binding part of this agreement. These modifications will be made available to IR’s on the World Wide web. It is the responsibility of the IR to check the corporate web site on the first of every month for these changes. IR’s without Internet access may submit a written request for the updates or modifications prior to the first of each month. The IR is responsible for abiding by the modifications immediately after their publication.
  1. No Governmental Endorsement. IR understands that no attorney general or other regulatory authority ever reviews, endorses, or approves any product, subscription, compensation program, or company, and IR will make no such claim to others.
  1. CIB Programs. IR understands that CIB is a publisher of information, and does not in any way counsel customers on their personal credit file, nor do they repair credit for a customer. CIB provides all the tools and information a customer needs in order to dispute erroneous and negative credit items, utilizing their rights under the Fair Credit Reporting Act. CIB also provides detailed information on professional companies that do provide the service of credit repair, debt consolidation, etc. Additional fees will apply if the customer chooses professional assistance from these third party companies.
  1. Status of CIB. CIB is not a Credit Service Organization because we do not assist, arrange, or improve a buyer’s credit record. We provide an informational program for a consumer to follow step-by-step. CIB is not a professional credit repair company.
  1. Credit Services Organization Acts. The state laws that regulate professional credit repair companies are generally referred to as Credit Services Organization Acts, Credit Services Business Acts, or Credit Repair Acts. Most states have already implemented, or may be in the process of implementing, such laws. Most of these laws define a credit services organization as a company that is involved with:
  1. Permitted Activities of IR. IR is restricted to promote CIB’s programs through referral to CIB. IR is prohibited from directly representing CIB or any of its programs. Any questions or information required by a consumer must be referred to CIB.
  1. Copyrighted Material. IR will not use the CIB name, phone numbers, trade names, logos, copyrighted material, trademarks, service marks, or proprietary marks of CIB, except in materials provided by CIB (or approved prior for my use thereof). IR understands that unauthorized use or duplication of proprietary marks or any copyrighted materials is a violation of this agreement and federal law.
  1. Approval of Promotions. CIB must approve all promotional materials that IR proposes to utilize, except if that material is exactly as provided by CIB in its marketing materials or on the web site. CIB will review proposed promotional materials promptly (usually within one day of receipt).
  1. Commission Checks. IR understands that commission checks are issued monthly regardless of amount, and such payment will be through a check written from a US bank account in US dollars. CIB is not responsible for IR’s inability to cash the check or a loss of amount due to exchange rates. There will be a $2.00 charge for each monthly commission check that IR receives from CIB, regardless of the amount. That fee includes the cost of bookkeeping and tracking of IR’s personal customers and other IR’s in IR’s downline as well as the processing and postage involved with IR’s commission check.
  1. Commission Schedule. IR will be paid according to the following scale for any sales that result from the permitted promotional efforts of IR:
  1. Charge-backs. Any charge-backs which occur for any reason (including refund, failure of payment to clear, cancellation of payment, etc.) will be billed back to IR (and the upline), regardless of the time period that such charge-back occurs. If IR terminates this Agreement, any pending commissions may be held for 180 days to determine if any charge-backs occur, at which time all remaining funds will be distributed to IR.
  1. Acts of Fraud by IR. Any commissions paid out directly (and to the upline) by CIB or its divisions on sales completed by fraud or falsified documents will be billed back to the IR (and the upline) and the offending IR will immediately be put on probation or terminated.
  1. Misrepresentation. IR will not make any false or misleading statements about CIB or CIB’s marketing program. CIB does not want any of its Independent Representatives to be subject to legal action by a State Attorney General’s office or the Office of Consumer Affairs due to IR’s possible misrepresentation of our program. Particularly, IR agrees not to:
  1. Internet Policy. CIB may deem inappropriate based upon the foregoing, and/or on reasonable business standards as they may evolve, any web site (hereafter referring to any web site NOT provided by CIB) or content that IR make available to visitors through email, and provide IR with notice that IR is in breach of this Agreement (with the opportunity to cure except if IR’s web site, email content and/or business activity is illegal). Any suspected fraudulent, abusive or otherwise illegal content or activity by IR on IR’s web site or in IR’s subscription emails, or that is perpetrated through use of the Internet or otherwise, is grounds for immediate termination of this Agreement or deactivation of IR’s status (without prior notice by CIB) and referral to the appropriate law enforcement agencies. CIB may not review all content on IR’s web site or in IR’s subscription emails. IR shall remain solely responsible for IR’s web site and email content. CIB is, under no circumstances, responsible for the practices of any IR or IR’s web site(s) and/or the content that an IR makes available through the Internet or otherwise and/or the content of IR’s emails.
  1. IR Existing Web Site. If IR operates an existing web site, you must place links to your CIB Web site or Web site content such that it is unlikely that the links will mislead the visitor, and such that it is reasonably likely that the links will deliver bona fide visitors to CIB from the link. IR shall not cause any transactions to be made that are not in good faith, including, but not limited to, using any device, program, robot, Iframes, hidden frames, java-scriptpopup windows, redirects or clicking on links that IR places to his or her CIB affiliate site. IR shall not establish or cause to be established any promotion that provides any rewards, points or compensation for transactions, or that allows third parties to place CIB links on its Web site or in its emails, unless IR receives CIB's prior written permission, upon notification to and verification by CIB. IR shall indemnify CIB for all acts of third parties, whether approved by CIB or not.
  1. Availability of Web Site. CIB will make every effort to maintain the availability of its web site, but makes no warranty or claim as to the availability or operation of its web site or any web site or link or network program made available to IR.
  1. Confidential Information. IR or CIB may provide the other with information that is confidential and proprietary to that party or a third party, as is designated by the disclosing party ("Confidential Information"). The receiving party agrees to make commercially reasonable efforts, but in no case no less effort than it uses to protect its own Confidential Information, to maintain the confidentiality in order to protect any proprietary interests of the disclosing party. "Confidential Information" shall not include (even if designated by a party) information that is or becomes part of the public domain through no act or omission of the receiving party, or is lawfully received by the receiving party from a third party without restriction on use or disclosure and without breach of this Agreement or any other agreement without knowledge by the receiving party of any breach of fiduciary duty, or that the receiving party had in its possession prior to the date of this Agreement. The information that IR supplies to establish and maintain IR’s status shall be IR’s Confidential Information, and IR agree that CIB may utilize IR’s email address(es) and basic personal information for purposes related to IR’s participation as a representative. IR shall be responsible for all usage and activity on IR’s account and for loss, theft or unauthorized disclosure of IR’s password (other than through CIB's grossly negligent or willful conduct or omission). IR shall provide CIB with prompt written notification of any known or suspected unauthorized use of IR’s account or breach of the security of IR’s account.
  1. Limitation of Liabilities. WITH THE EXCEPTION OF A PARTY'S INDEMNIFICATION OBLIGATIONS, ANY LIABILITY OF A PARTY UNDER THIS AGREEMENT SHALL BE LIMITED TO THE TOTAL OF COMMISSIONS EARNED DURING THE TERM OF THIS AGREEMENT. NEITHER PARTY SHALL BE LIABLE TO THE OTHER PARTY, OR ANY THIRD PARTY FOR ANY CONSEQUENTIAL, EXEMPLARY, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF GOODWILL, LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIM.
  1. Disclaimer of Warranties. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, BOTH PARTIES DISCLAIM ALL WARRANTIES EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, (A) MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, (B) THAT THERE ARE NO VIRUSES OR OTHER HARMFUL COMPONENTS, (C) THAT A PARTY'S SECURITY METHODS EMPLOYED WILL BE SUFFICIENT, (D) REGARDING CORRECTNESS, ACCURACY, OR RELIABILITY, OR (D) AGAINST INTERFERENCE WITH ENJOYMENT OF A PARTY'S "INFORMATION" (WEB SITE). ALL 'INFORMATION' AND 'COMPUTER PROGRAMS' PROVIDED IN THE COURSE OF THIS AGREEMENT ARE PROVIDED WITH ALL FAULTS, AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, AND EFFORT IS WITH THE USER.
  1. Indemnification. Each party ("indemnitor") shall defend, indemnify and hold the other party ("indemnitee") harmless against all claims, suits, costs, damages and judgments incurred, claimed or sustained by third parties, for the indemnitor's breach of this Agreement and for claims of product liability and/or malpractice or misfeasance in the performance of services ("Claims"). Should any Claim give rise to a duty of indemnification under the provisions of this Agreement, then the indemnitee shall promptly notify the indemnitor, and the indemnitee shall be entitled, at its own expense, and upon reasonable notice to the indemnitor, to participate in, control the defense, compromise and to defend such Claim. The indemnitor may not settle any claim without the consent of the indemnitee, except upon terms and conditions offered or consented to by the indemnitee, which consent shall not be unreasonably withheld. Neither participation nor control in the defense shall waive or reduce any obligations to indemnify or hold harmless.
  1. Headings and References. Headings of Sections are for the convenience of reference only. Words indicated in quotes and capitalized signify an abbreviation or term for indicated words or terms, including those definitions contained in this Agreement and elsewhere. The content in other Web sites specifically referenced in this Agreement, such as URLs, is incorporated by this reference as though fully stated in this Agreement.
  1. Relationships of Parties/Third Party Rights. The relationships of the parties to this Agreement shall be solely that of independent contractors, and nothing contained in this Agreement shall be construed otherwise. Nothing in this Agreement or in the business or dealings between the parties shall be construed to make them joint venturers or partners with each other. Neither party shall do anything to suggest to third parties that the relationship between the parties is anything other than that of independent contractor.
  1. Choice of Law/Attorneys Fees. This Agreement is governed by the laws of the State of Florida (USA), except for its conflict of law provisions. The exclusive forum for any actions related to this Agreement shall be in the state courts in Broward County, Florida, and, to the extent that federal courts have exclusive jurisdiction, in Miami, Florida or nearest federal office to Pompano Beach, Florida. IR consents to such venue and jurisdiction. The application of the United Nations Convention on the International Sale of Goods is expressly excluded. A party that primarily prevails in an action brought under this Agreement is entitled to recover from the other party its reasonable attorneys fees and costs. CIB controls and operates its Web site from its offices in the U.S.A. and access or use where illegal is prohibited.
  1. Notices: All notices to CIB shall be delivered to corporate headquarters at:
  1. Force Majeure. Neither party shall be liable by reason of any failure or delay in the performance of its obligations hereunder for any cause beyond the reasonable control of such party, including but not limited to electrical outages, failure of Internet service providers, riots, insurrection, war (or similar), fires, flood, earthquakes, explosions, and other acts of God.
  1. Severability/Waiver. If any provision of this Agreement is held by any court of competent jurisdiction to be illegal, null or void or against public policy, the remaining provisions of this Agreement shall remain in full force and effect. The parties shall in good faith attempt to modify any invalidated provision to carry out the stated intentions in this Agreement. The waiver of any breach of any provision under this Agreement by any party shall not be deemed to be a waiver of any preceding or subsequent breach, nor shall any waiver constitute a continuing waiver.
  1. Assignment and Acknowledgement. Neither party may assign this Agreement without the prior express written permission of the other party. IR’s use of the CIB representative program and/or web site is irrefutable acknowledgement by IR that IR has read, understood and agreed to each and every term and provision of this Agreement.
  1. Age Representation. IR (OR REPRESENTATIVE OF A CORPORATE OR OTHER IDENTITY) REPRESENTS AND WARRANTS THAT IR WAS AT LEAST 18 YEARS OF AGE ON THE EFFECTIVE DATE OF THIS AGREEMENT.