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SECTION ONE: INDEPENDENT SALES ADVISOR STATUS 

1.01 BECOMING AN INDEPENDENT SALES ADVISOR An applicant becomes an Independent Sales Advisor (“Independent Sales Advisor”) of COVE CREEK when the applicant's completed Application and Agreement has been received and accepted by the Cove Creek Family, Inc, by Internet or by mail, at its Home Office. Cove Creek Family, Inc reserves the right to decline any Agreement for any reason, at its sole discretion. Independent Sales Advisor uses his/her best effort to promote and sell products and services of Cove Creek Family, Inc to consumers pursuant to the Agreement contained within these Policies and Procedures and Terms and Conditions. In doing so, Independent Sales Advisor will maintain the high standards of honesty, and integrity and business ethics when dealing with Consumers, Cove Creek Family, Inc or other Cove Creek Family, Inc Independent Sales Advisors. 

 1.02 NO PRODUCT PURCHASE REQUIRED No initial product purchase is required to become an Independent Sales Advisor.    

 1.03 NON-REFUNDABLE ENROLLMENT SETUP FEE AND PRODUCT PACKS To receive a replicated personalized branded ShopCoveCreek.com website, along with back-office access, data collection services, graphical display of key data metrics, and access to additional digital services, a one-time $5.00 setup fee will be charged. This fee is non-refundable. Upon completing enrollment your personalized branded ShopCoveCreek.com website will be created with access to your Cove Creek back office. Active advisors will pay the annual renewal fee on each 12-month anniversary of enrollment. The initial enrollment fee and annual renewal fee amounts may change from time to time. Please refer to the current pricing published on ShopCoveCreek.com at time of enrollment or renewal. All product Packs bundled with the enrollment fee are priced with aggressive discounts. All Packs are non-refundable.  

 1.04 INDEPENDENT SALES ADVISOR OBLIGATIONS & RIGHTS Independent Sales Advisors are authorized to sell Cove Creek Family, Inc products and services and to participate in the Independent Sales Advisor Compensation Plan. Independent Sales Advisors may sponsor new Independent Sales Advisors. 

 1.05 LEGAL AGE Independent Sales Advisors must be of legal age in the state / province / country of their residence. 

 1.06 DIVORCE When a couple sharing Independent Sales Advisor entity divorces or separates, Cove Creek Family, Inc will continue to pay commission checks in the same manner as before the divorce or separation until it receives written notice signed by both parties or a court decree which specifies how future commission checks should be paid, provided and if applicable, the couple has complied with the requirements of Section 5.03 of these Policies and Procedures. 

 1.07 CORPORATIONS, PARTNERSHIPS & TRUSTS Corporations, partnerships, limited liability companies or other forms of business organizations or trusts may become Independent Sales Advisors of Cove Creek Family, Inc when the Agreement is accompanied by a federal ID number. Shareholders, directors, officers, partners, members, beneficiaries and trustees, as applicable of Independent Sales Advisor entity must agree to hold such title, and Cove Creek Family, Inc will hold each personally liable and bound by the Agreement and these Policies and Procedures and Terms and Conditions. 

 1.08 FICTITIOUS OR ASSUMED NAMES A person or entity may not apply as Independent Sales Advisor using a fictitious or assumed first and last name. Any business name created to be used with Cove Creek representation as an Independent Sales Advisor must not include the words "COVE CREEK" as part of the Independent Sales Advisor's business name. This is to avoid confusion in the market place by the consuming public. Any business name should be clearly unique to the Independent Sales Advisor's identity.    

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

 1.10 TAXATION As Independent Contractors, Independent Sales Advisors will not be treated as franchisees, owners, employees or agents of Cove Creek Family, Inc for federal or state tax purposes including, with respect to the Internal Revenue Code, Social Security Act, federal unemployment act, state unemployment acts or any other federal, state, or local statute, ordinance, rule or regulation. At the end of each calendar year, Cove Creek Family, Inc will issue to each Independent Sales Advisor an IRS Form 1099, as required by law, or other applicable documentation for non-employee compensation as an Independent Sales Advisor. 

 1.11 INDEPENDENT SALES ADVISOR IDENTIFICATION NUMBER Independent Sales Advisors are required by federal law to obtain a Social Security number or Federal ID number. Independent Sales Advisors will be identified by this number, or a company assigned number, for purposes of Cove Creek Family, Inc's business. The Independent Sales Advisor Identification Number must be placed on all orders and correspondence with the Cove Creek Family, Inc. 

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

 1.13 NO EXCLUSIVE TERRITORIES No franchise is granted and there are no exclusive territories for sales or sponsoring purposes. No geographical limitations exist on sponsoring or selling within the United States; provided, however, that Cove Creek Family, Inc reserves the right not to sell product or services or contract with Independent Sales Advisors in specified states / provinces within United States. 

 SECTION TWO: TERM & RENEWAL 

 2.01 TERM Subject to the terms of Section 4.01, the Agreement shall have a term which shall begin on the date of acceptance by Cove Creek Family, Inc and end one year from the date thereof (the “Anniversary Date”). 

 2.02 RENEWAL Independent Sales Advisors must renew annually, on the Anniversary Date. Cove Creek Family, Inc may or may not require an annual renewal fee be paid, at its sole discretion. Independent Sales Advisor has the right to decline to accept any renewal at its sole discretion. Cove Creek Family, Inc may require that Independent Sales Advisors execute a new Agreement upon renewal. Independent Sales Advisors not renewing by the renewal date shall be deemed to have voluntarily terminated their Independent Sales Advisor relationship with Cove Creek Family, Inc, and thereby lose their Independent Sales Advisor entity, all sponsorship rights, their position in the Compensation Plan and all rights to com­missions and bonuses. Independent Sales Advisors who fail to renew their Independent Sales Advisor sta­tus may not reapply under a new sponsor for six (6) months after non-renewal. 

 SECTION THREE: SPONSORSHIP 

 3.01 SPONSORING Independent Sales Advisors may sponsor other Independent Sales Advisors into Cove Creek Family, Inc's business. Independent Sales Advisors must ensure that each potential new Independent Sales Advisor has reviewed and has had access to the current Policies and Procedures, Terms and Conditions and Com­pensation Plan prior to or when giving the individual an Agreement. 

 3.02 MULTIPLE AGREEMENTS If an applicant submits multiple Independent Sales Advisors which list different spon­sors, only the first completed Agreement received by Cove Creek Family, Inc will be acc­epted. 

 3.03 TRAINING REQUIREMENT A Sponsor, in which a “Mentor” designation is also considered, must maintain an ongoing professional leadership association with Independent Sales Advisors in his or her organization and must fulfill the obligation of performing a bona fide supervisory or sales function in the sale or delivery of products and services. 

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

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

 3.06 CROSS SPONSORING Independent Sales Advisor may not sponsor, or attempt to sponsor, any non-personally sponsored Independent Sales Advisors in any other Network Marketing Cove Creek Family, Inc. In addition, no Independent Sales Advisor may participate in any action that causes another Independent Sales Advisor to be sponsored through someone else into another network marketing company. 

 SECTION FOUR: RESIGNATION/TERMINATION 

 4.01 VOLUNTARY RESIGNATION a) Independent Sales Advisor may voluntarily terminate his or her Independent Sales Advisor status by failing to renew or by sending thirty (30) days written notice of such resignation or termination to Cove Creek Family, Inc. Voluntary resignation is effective upon receipt of such notice by Cove Creek Family, Inc.  b) Independent Sales Advisor who resigns or terminates their Independent Sales Advisor status may reapply as Independent Sales Advisor, six (6) months after resignation. 

 4.02 SUSPENSION Independent Sales Advisor may be suspended for violating the terms of his or her Agree­ment, which includes these Policies and Procedures, the Terms and Conditions and the Compensation Plan and other documents produced by Cove Creek Family, Inc. When a decision is made to sus­pend Independent Sales Advisor, Cove Creek Family, Inc will inform the Independent Sales Advisor in writing that the sus­pension has occurred effective as of the date of the written notification, the reason for the suspension and the steps necessary to remove such suspen­sion (if any). The suspension notice will be sent to the Independent Sales Advisors “address on file” pursuant to the notice provisions contained in the Policies and Procedures and Terms and Conditions. Such suspension may or may not lead to termination of the Independent Sales Advisor as so determined by Cove Creek Family, Inc at its sole discretion. If the Independent Sales Advisor wishes to appeal, Cove Creek Family, Inc must receive such appeal in writing within fifteen (15) days from the date of the suspension notice. Cove Creek Family, Inc will re­view and consider the suspension and notify the Independent Sales Advisor in writing of its decision within thirty (30) days from the date of the suspension notice. The decision of Cove Creek Family, Inc will be final and subject to no further review. Cove Creek Family, Inc may take certain action during the suspension period, including, but not limited to, the following: a) Prohibiting the Independent Sales Advisor from holding himself or herself as Independent Sales Advisor or using any of Cove Creek Family, Inc's proprietary marks and/or materials; b) Withholding commissions and bonuses that are due the Independent Sales Advisor during the suspension period; c) Prohibiting the Independent Sales Advisor from purchasing services and products from Cove Creek Family, Inc; and/or; d) Prohibiting the Independent Sales Advisor from sponsoring new Independent Sales Advisors, con­tacting current Independent Sales Advisors or attending meetings of Independent Sales Advisors. If Cove Creek Family, Inc, at its sole discretion, determines that the violation which caused the suspension is continuing, and has not satisfactorily been resolved or a new violation involving the suspended Independent Sales Advisor has occurred, the suspended Independent Sales Advisor may be terminated. 

 4.03 TERMINATION Independent Sales Advisor may be immediately terminated for violating the terms of his or her Agreement, which includes these Poli­cies and Procedures, Terms and Conditions and the Compensation Plan and other documents produced by Cove Creek Family, Inc upon written notice. Cove Creek Family, Inc may terminate a violating Independent Sales Advisor with­out placing the Independent Sales Advisor on suspension, at Cove Creek Family, Inc's sole discretion. When the decision is made to terminate Independent Sales Advisor, Cove Creek Family, Inc will inform the Independent Sales Advisor in writing at the address in the Independent Sales Advisor's file that the termination has occurred. 

 4.04 APPEAL If Independent Sales Advisor wishes to appeal the termination, Cove Creek Family, Inc must receive the appeal in writing within fifteen (15) days from the date of notice of termina­tion. If no appeal is received within the fifteen (15) day period, the termina­tion will automatically be deemed final. If Independent Sales Advisor files a timely notice of appeal, Cove Creek Family, Inc will review the appeal and notify the Independent Sales Advisor of its deci­sion within ten (10) days after receipt of the appeal. The decision of Cove Creek Family, Inc will be final and subject to no further review. In the event the termination is not rescinded, the termination will remain effective as of the date stated in the original termination notice. 

 4.05 EFFECT OF TERMINATION Immediately upon termination, the terminated Independent Sales Advisor: a) Must remove and permanently discontinue the use of the trademarks, service marks, trade names and any signs, labels, stationary or advertising referring to or relating to any product, plan or program of Cove Creek Family, Inc. b) Must cease representing themselves as Independent Sales Advisor of Cove Creek Family, Inc; c) Loses all rights to his or her Independent Sales Advisor position in the Com­pensation Plan and to all future commissions and earnings resulting there­from; d) Must take all action reasonably required by Cove Creek Family, Inc relating to protection of Cove Creek Family, Inc's confidential information. Cove Creek Family, Inc has the right to offset any amounts owed by Independent Sales Advisor to Cove Creek Family, Inc including, without limitation, any indemnity obligation incurred pursuant to Section 11.01 herein, from commissions or other compensation due to the Independent Sales Advisor. 

 4.06 REAPPLICATION The acceptance of any reapplication of a terminated Independent Sales Advisor or the application of any family member of a terminated Independent Sales Advisor shall be at the sole discretion of Cove Creek Family, Inc and can be denied. 

 4.07 STATE LAWS Where state laws on termination are inconsistent with this policy, the applicable state law shall apply. 

 SECTION FIVE: TRANSFERABILITY 

 5.01 ACQUISITION OF BUSINESS Any Independent Sales Advisor desiring to acquire an interest in another Independent Sales Advisor's business must first terminate his or her Independent Sales Advisor status and wait six (6) months before becoming eligible for such a purchase. All such transactions must be fully disclosed and must be approved by Cove Creek Family, Inc in advance. 

 5.02 TRANSFERS OF INDEPENDENT SALES ADVISORS Except as expressly set forth herein, Independent Sales Advisor may not sell, assign or otherwise transfer his or her Independent Sales Advisor entity (or rights thereof) to another Independent Sales Advisor or to an individual which has an interest in Independent Sales Advisor entity. Notwithstanding the foregoing, Independent Sales Advisor may transfer his or her Independent Sales Advisor entity to his or her sponsor, subject to the conditions of Section 

5.03. In such an event, the sponsor's entity and the transferring Independent Sales Advisors entity shall be merged into one entity. 

 5.03 CONDITIONS TO TRANSFERABILITY Independent Sales Advisors may not sell, assign, merge or transfer his or her Independent Sales Advisor entity (or rights thereto) without the prior written approval of Cove Creek Family, Inc and com­pliance with the following conditions: a) Cove Creek Family, Inc possesses the right of first refusal with respect to any sale, assign­ment, transfer or merger of any Independent Sales Advisor entity. Independent Sales Advisor wishing to sell, assign, transfer or merge his or her Independent Sales Advisor entity must first provide Cove Creek Family, Inc with the right and option to make such a purchase or receive such transfer in writing on the same terms and conditions as any outstanding or intended offer. Cove Creek Family, Inc will advise the Independent Sales Advisor within ten (10) business days after re­ceipt of such notice of its decision to accept or reject the offer. If Cove Creek Family, Inc fails to respond within the ten (10) day period or declines such offer, the Independent Sales Advisor may make the same offer or accept any outstanding offer which is on the same terms and conditions as the offer to Cove Creek Family, Inc to any person or entity who is not Independent Sales Advisor, married to, or a dependent of Independent Sales Advisor or who has any interest in Independent Sales Advisor; b) The selling Independent Sales Advisor must provide Cove Creek Family, Inc with a copy of all documents which detail the transfer, including, without limitation, the name of the pur­chaser, the purchase price and terms of purchase and payment; c) An office administration transfer fee of $100.00 must accompany the transfer documents; d) The documents must contain a covenant made by the selling Independent Sales Advisor for the benefit of the proposed purchaser not to compete with the purchaser or attempt to divert or sponsor any existing Independent Sales Advisor for a pe­riod of one (1) year from the date of the sale or transfer; e) Upon a sale, transfer or assignment being approved in writing by Cove Creek Family, Inc, the buying Independent Sales Advisor must assume the position and terms of agreement of the selling Independent Sales Advisor and must execute a current Agreement and all such other documents as required by Cove Creek Family, Inc; and f) Cove Creek Family, Inc reserves the right, at its sole discretion, to stipulate additional terms and conditions prior to approval of any proposed sale or transfer. Cove Creek Family, Inc re­serves the right to disapprove any sale or transfer, where allowed by law. 

 5.04 CIRCUMVENTION OF POLICIES If it is determined, at Cove Creek Family, Inc's sole discretion, that Independent Sales Advisor entity was transferred in an effort to circumvent compliance with the Agreement, the Policies and Procedures, Terms and Conditions or the Compensation Plan, the transfer will be de­clared null and void. The Independent Sales Advisor entity will revert back to the transfer­ring Independent Sales Advisor, who will be treated as if the transfer had never occurred from the reversion day forward. If necessary and at Cove Creek Family, Inc's sole discretion, ap­propriate action, including, without limitation, termination, may be taken against the transferring Independent Sales Advisor to ensure compliance with the Policies and Procedures and Terms and Conditions. 

 5.05 SUCCESSION Notwithstanding any other provision of this Section, upon the death of Independent Sales Advisor, the Independent Sales Advisorship will pass to his or her successors in interest as provided by law. However, Cove Creek Family, Inc will not recognize such a trans­fer until the successor in interest has executed a current Agreement and submitted certified copies of the death certificate, will, trust or other instru­ment required by Cove Creek Family, Inc. The successor will thereafter be entitled to all the rights and be subject to all the obligations of a Cove Creek Family, Inc Independent Sales Advisor. 

 5.06 RE-ENTRY Any Independent Sales Advisor who transfers his or her Independent Sales Advisorship must wait for six (6) months after the effective date of such transfer before becoming eligible to reapply to become an Independent Sales Advisor. 

 SECTION SIX: PROPRIETARY INFORMATION 

 6.01 CONFIDENTIALITY AGREEMENT During the term of the Agreement, Cove Creek Family, Inc may supply to Independent Sales Advisors con­fidential information, including, but not limited to genealogical and Downline reports, customer lists, customer information developed by Cove Creek Family, Inc or devel­oped for and on behalf of Cove Creek Family, Inc by Independent Sales Advisors (including, but not limited to, credit data, customer and Independent Sales Advisor profiles and product purchase infor­mation), Independent Sales Advisor lists, manufacturer and supplier information, business reports, commission or sales reports and such other financial and business information which Cove Creek Family, Inc may designate as confidential. All such information (whether in written or electronic format) is proprietary and confidential to Cove Creek Family, Inc and is transmitted to Independent Sales Advisors in strictest confidence on a “need to know” basis for use solely in Independent Sales Advisors business with Cove Creek Family, Inc. Independent Sales Advisors must use their best efforts to keep such information confidential and must not dis­close any such information to any third party, or use this information for any non-company activity directly or indirectly while an Independent Sales Advisor and thereafter. Independent Sales Advisors must not use the information to compete with Cove Creek Family, Inc or for any purpose other than promoting Cove Creek Family, Inc's program and its products and services. Upon expiration, non-renewal or termination of the Agreement, Independent Sales Advisors must discontinue the use of such confidential information and promptly return any confidential information in their possession to Cove Creek Family, Inc. 

 6.02 COPYRIGHT RESTRICTIONS With respect to product purchases from Cove Creek Family, Inc, Independent Sales Advisors must abide by all manufacturers' use restrictions and copyright protections. 

 6.03 VENDOR CONFIDENTIALITY Cove Creek Family, Inc's business relationships with its vendors, manufacturers and suppli­ers are confidential. Independent Sales Advisors must not contact, directly or indirectly, or speak to, or communicate with any supplier or manufacturer of Cove Creek Family, Inc except at Cove Creek Family, Inc sponsored events at which the supplier or manufacturer is present at the request of Cove Creek Family, Inc. 

 SECTION SEVEN: TRADEMARKS, LITERATURE & ADVERTISING 

 7.01 TRADEMARKS Cove Creek Family, Inc’s name, trademarks, service marks and copyrighted materials are owned by the Cove Creek Family, Inc. The use of such marks and materials must be in strict compli­ance with these Policies and Procedures. 

 7.02 ADVERTISING & PROMOTIONAL MATERIALS Only the promotional and advertising materials produced by Cove Creek Family, Inc or ap­proved in advance in writing by Cove Creek Family, Inc may be used to advertise or promote an Independent Sales Advisor's business or to sell products and services of Cove Creek Family, Inc. Cove Creek Family, Inc's litera­ture and materials may not be duplicated or reprinted without the prior written permission. 

 7.03 USE OF COVE CREEK FAMILY, INC NAME  Independent Sales Advisors may state their relationship with the Cove Creek Family, Inc and use the name of Cove Creek Family, Inc only in the following format: “Independent Sales Advisor for Cove Creek”. When selecting a business name or creating a social media alias, such as on Facebook, Instagram, Pinterest or Twitter, an Independent Sales Advisor may not use the words "Cove Creek" in the naming of that alias. For example, a Facebook Page or Group name of "LucyWithCoveCreek", "CoveCreekWithLucy", or "CoveCreekNaturals", is not permitted. If the words "Cove" and "Creek" are split with other unique words, this would be acceptable. For example, "LucyAtTheCove", or "LucyAtTheCreek" would be permitted.  

 7.04 STATIONERY AND BUSINESS CARDS Independent Sales Advisors are not permitted to “create” their own stationery, business cards or letterhead graphics, if Cove Creek Family, Inc's trade name or trademarks are used. Only the approved Cove Creek Family, Inc's graphics, version and wording are permitted; letterhead, envelopes and business cards must be ordered using the Cove Creek Family, Inc’s online portal, the Cove Creek Family, Inc’s designated third-party website, and/or stationery order form. 

 7.05 ELECTRONIC ADVERTISING Independent Sales Advisors may not advertise or promote their Independent Sales Advisor business or Cove Creek Family, Inc's business, products or marketing plan or use Cove Creek Family, Inc's name in any elec­tronic media or transmission, including on the Internet via web sites or oth­erwise, without the prior written approval of Cove Creek Family, Inc's legal department. 

 7.06 TELEPHONE LISTING Independent Sales Advisors are not permitted to use Cove Creek Family, Inc's trade name in advertising their telephone and telecopy numbers in the white or yellow page sections of the telephone book. Independent Sales Advisors are not permitted to list their telephone num­bers under Cove Creek Family, Inc's trade name without first obtaining Cove Creek Family, Inc's prior written ap­proval. If approval is granted for an “800” listing, it must be stated in the following manner: “Independent Sales Advisor for Cove Creek Family, Inc”. 

 7.07 TELEPHONE ANSWERING Independent Sales Advisors may not answer the telephone by saying “COVE CREEK,” or in any other manner that would lead the caller to believe that he or she has reached the offices of the Cove Creek Family, Inc. 

 7.08 IMPRINTED CHECKS Independent Sales Advisors are not permitted to use Cove Creek Family, Inc trade name or any of its trade­marks or service marks on their business or personal checking accounts. 

 7.09 MEDIA INTERVIEWS Independent Sales Advisors are prohibited from granting radio, television, newspaper, tab­loid or magazine interviews or using public appearances, public speaking engagements, or making any type of statement to the public media to pub­licize the Cove Creek Family, Inc, its products or Cove Creek Family, Inc businesses, without the express prior written approval of Cove Creek Family, Inc. All media inquiries should be in writing and referred to Cove Creek Family, Inc's corporate office, legal department. 

 7.10 ENDORSEMENTS No endorsements by a Cove Creek Family, Inc officer or administrator or third party may be asserted, except as expressly communicated in Cove Creek Family, Inc literature and com­munications. Federal and state regulatory agencies do not approve or en­dorse direct selling programs. Therefore, Independent Sales Advisors may not represent or imply, directly or indirectly, that Cove Creek Family, Inc's programs, products or services have been approved or endorsed by any governmental agency. 

 7.11 RECORDINGS Independent Sales Advisors may not produce or reproduce for sale or personal use prod­ucts sold by Cove Creek Family, Inc or any Cove Creek Family, Inc-produced literature, audio or video material, pre­sentations, events or speeches, including conference calls. Video and/or au­dio taping of Cove Creek Family, Inc meetings and conferences is strictly prohibited. 

 7.12 REPACKAGING PROHIBITED Independent Sales Advisors may not repackage products or materials of Cove Creek Family, Inc. 

 7.13 INDEPENDENT COMMUNICATIONS Independent Sales Advisors, as Independent Contractors, are encouraged to distribute information and direction to their respective Downlines. However Independent Sales Advisors must identify and distinguish between personal communications and the official communications of Cove Creek Family, Inc. 

 SECTION EIGHT: PAYMENT OF COMMISSIONS 

 8.01 BASIS FOR COMMISSIONS Commissions and other compensation cannot be paid until a completed Agreement has been received and accepted by Cove Creek Family, Inc. Commissions are paid ONLY on the sale of Cove Creek Family, Inc services and products. No commissions are paid on the purchase of Sales materials or for Sponsoring Independent Sales Advisors. In order to receive commissions on products and services sold, Cove Creek Family, Inc must have received and accepted an Agreement prior to the end of the commission period in which the sale is made. 

 8.02 COMMISSION PERIOD A business period refers to the time period opening on the first (1st) day of the commission period and extending up until order entry closes on the last business day of the period (5:00 p.m. Eastern Time Zone). Cove Creek Family, Inc offices are open Monday through Friday 9 a.m.-4 p.m. Eastern Time Zone, with the exception of certain holidays as posted by Cove Creek Family, Inc. 

 8.03 COMMISSION PAYMENTS Commissions are paid to “qualified” Independent Sales Advisors as defined within the Compensation Plan. Independent Sales Advisors must consult the Compensation Plan for a detailed explanation of the benefits, commission structure and require­ments of the Compensation Plan. 

 8.04 OFFSET OF COMMISSIONS Any commissions or bonuses earned and paid on products returned is the obligation of and must be repaid to Cove Creek Family, Inc by Independent Sales Advisors earning such commissions. Cove Creek Family, Inc has the right to offset such amounts against future com­missions and other compensation paid or owed to such Independent Sales Advisors who received commissions. 

 SECTION NINE: PURCHASE & SALE OF PRODUCTS 

 9.01 STOCKPILING PROHIBITED The success of Cove Creek Family, Inc depends on retail sales to the ultimate consumer; there­fore all forms of stockpiling are prohibited. Cove Creek Family, Inc recognizes that Independent Sales Advisors may wish to purchase certain products for their own use. However, Cove Creek Family, Inc strictly prohibits the purchase of products in unreasonable amounts and prohibits the purchase of products only or primarily to qualify for compensation. 

 9.02 RETAIL SALES RULES Independent Sales Advisors must save a copy of the Retail Sales Slip given to retail customers; receipt shall be fully completed and in­clude the name, address and phone number of each retail customer and, upon request by Cove Creek Family, Inc, provide copies of such receipts to Cove Creek Family, Inc. If Cove Creek Family, Inc deter­mines that retail sales were not actually made, the Independent Sales Advisor must repay Cove Creek Family, Inc all commissions earned during the calendar period in which the retail sales were to have been made. 

 9.03 OVER 70% RULE In order to receive commissions and overrides, Independent Sales Advisors must certify on each product order form that they have sold over seventy percent (70%) in dollar value of all products and commissionable services previously purchased by the Independent Sales Advisor at wholesale from the company, to Non-Independent Sales Advisor consumers. Independent Sales Advisors shall maintain retail sales records available to the company for inspection on request. 

 9.04 ORDERING METHODS All orders submitted to Cove Creek Family, Inc shall have the Independent Sales Advisor Identification Num­ber placed thereon to assist Cove Creek Family, Inc in crediting the appropriate Independent Sales Advisor. 

 9.05 PAYMENT OPTIONS Purchases may be paid by debit card or major credit card. Payments by cash, check, ACH, money order or via PayPal are NOT supported. If an underpayment is made, the order will not be processed until the full amount is received by Cove Creek Family, Inc. If an overpayment is made, Cove Creek Family, Inc will process the order and issue a credit to Independent Sales Advisor's account, which will automatically refund on the next commission check paid to Independent Sales Advisor. Orders will not be processed if cancellation of a credit card is made. Orders for products are not effective until accepted by Cove Creek Family, Inc. Overdue amounts will accrue interest at the annual rate of 18% or at a high­er rate where permitted by law. 

 9.06 SHIPPING AND HANDLING POLICY Subject to availability all products will be shipped by UPS or other similar service within ap­proximately three (3) business days of receipt of payment. Payment for prod­ucts shall be made at time of order. At Independent Sales Advisor's option, the prod­uct may be shipped to a customer's designated “Ship-To address”, or to the Independent Sales Advisor. 

 9.07 PRODUCT DELIVERY Upon clearance of payment, the products and materials ordered will be shipped. 

 9.08 BACK ORDER POLICY Cove Creek Family, Inc will expeditiously ship all products currently in stock. Any out-of-stock items (unless discontinued) will be placed on back order and dis­tributed upon Cove Creek Family, Inc receiving additional inventory. Independent Sales Advisor will be charged and granted commissions on back ordered items once they are shipped unless notified of the discontinuance of such product. Back orders may be cancelled upon Independent Sales Advisor's request and will create a credit on the Independent Sales Advisor's account.   

 9.09 DAMAGED GOODS The shipping company is responsible for any damage that occurs after it takes physical custody of the products. An Independent Sales Advisor who receives damaged goods should follow this procedure: a) Accept delivery; b) Before the driver leaves, document on the delivery receipt the num­ber of boxes which seem to be damaged and have the driver acknowledge the damage in writing; c) Save the damaged products or boxes for inspection by the shipping agent; d) Make an appointment with the shipping company to have the dam­aged goods inspected, and call the Cove Creek Family, Inc Customer Service Department. 

 9.10 SHIPPING LOSS In the event Independent Sales Advisor or a consumer does not receive a product order from Cove Creek Family, Inc in a timely fashion, the individual should contact the Customer Service Department at COVE CREEK. 

 9.11 REFUSED SHIPMENTS Should Independent Sales Advisor refuse delivery on any order he or she has placed with Cove Creek Family, Inc and such product is subsequently returned to Cove Creek Family, Inc; Cove Creek Family, Inc shall have the right to place that Independent Sales Advisor on suspension pending resolution of the refusal of delivery. Neither Independent Sales Advisor nor a consumer shall refuse any ship­ment from Cove Creek Family, Inc unless prior approval of Cove Creek Family, Inc has been obtained. 

 9.12 PRICING POLICY Cove Creek Family, Inc will furnish Independent Sales Advisors with a discount from its published retail prices in its then-current consumer catalog or order form in accordance with its policies. This discount does not apply to literature, business aids, gifts or special promotional items. Prices for Cove Creek Family, Inc's products, services and literature are subject to change without prior notice. 

 9.13 RECEIPTS Independent Sales Advisors must provide all retail purchasers of Cove Creek Family, Inc's products with writ­ten receipts. 

 9.14 RETAIL PRICING Cove Creek Family, Inc provides a manufacturer’s suggested retail price (MSRP) as a guideline. 

 9.15 PROMOTIONAL ITEMS All promotional items which bear Cove Creek Family, Inc name or logo must be purchased solely from Cove Creek Family, Inc unless prior written permission is obtained from Cove Creek Family, Inc. 

 9.16 SALES TAX Cove Creek Family, Inc may collect sales tax on taxable items. Independent Sales Advisors may be responsible to collect and remit sales tax on personal retail sales to the appropriate tax agencies. 

 9.17 PLACE OF SALE The integrity of Cove Creek Family, Inc's marketing plan is built upon person-to-person, one-on-one and in-home presentation methods of sale. Retail sales are permitted as long as care is taken to maintain a person-to-person transaction where the customer is provided details on the product’s ingredients and brand philosophy. 

 9.18 PRODUCT & SERVICES CLAIMS Independent Sales Advisors may make no claim, representation or warranty concerning any product or service of Cove Creek Family, Inc, except those expressly approved in writing by Cove Creek Family, Inc or contained in official Cove Creek Family, Inc materials. 

 9.19 FAX BLASTS, SPAMMING Fax blasting and unsolicited e-mailing (SPAMMING) is prohibited. 

 SECTION TEN: RETAIL GUARANTEE & REFUND POLICY 

 10.01 RETAIL CUSTOMER GUARANTEE Independent Sales Advisor offers a thirty (30) day, 100% money-back, and satisfaction guarantee to all retail customers. If a retail customer is dissatisfied with any product for any reason, then the retail customer may return that product in its origi­nal package and shipping container to the Independent Sales Advisor who sold the product within thirty (30) days of purchase, for either replacement or a full refund of the purchase price. All other warranties and guarantees are disclaimed. Any refund request will require a Return Merchandise Authorization (RMA) issued by the Independent Sales Advisor who sold the product, which will include the proper ship-to address for the return. 

 10.02 WARRANTIES Except as expressly stated herein, Cove Creek Family, Inc makes no warranty or representa­tion as to the merchantability, fitness for a particular purpose, workmanship or any other warranty concerning any product or service purchased from or through Cove Creek Family, Inc. 

 10.03 RETURN POLICIES This section does NOT pertain to specially bundled product "Packs", such as Founders' Packs, or other seasonally offered promotional Packs. Packs are non-refundable and sales of packs are considered final. To return unopened and unused products which have been purchased by Independent Sales Advisor with the intent of resale, within 30 days of purchase you must obtain a return merchandise authorization (RMA) and return the products within 7 days after you receive the RMA. Cove Creek Family, Inc will refund the original purchase price of products, and related sales taxes, less any discounts or commissions paid. SHIPPING & HANDLING FEES ARE NOT REFUNDABLE. YOU ARE RESPONSIBLE FOR PRODUCTS UNTIL Cove Creek Family, Inc RECEIVES THEM. YOU WILL BE CHARGED A RESTOCKING FEE OF 15% TO RETURN PRODUCTS. Returned products must be in the same resalable condition as you received them, with any protective seal in place as originally applied by the Cove Creek Family, Inc to indicate the product has been unopened and unused. THIS RETURN POLICY IS NOT A WARRANTY. NOTE: Cove Creek Family, Inc will not accept for return any products you purchased from a Reseller. In order to properly process a refund or exchange, Independent Sales Advisors must fol­low the steps and conditions set forth below: All returns to Cove Creek Family, Inc must be accompanied by: a) A signed statement from the retail customer identifying the rea­son for the return; b) A copy of the original retail sales receipt; and c) The name, address and telephone number of the retail customer d) If the return is due to a manufacturer defect, the Cove Creek Family, Inc will prepay the cost of shipping the replacement product(s). Independent Sales Advisor request for refund may, at company's option, be treated as a termination of the Independent Sales Advisorship. 

 10.04 BUYER'S RIGHT TO CANCEL Federal law grants a buyer the right to cancel certain sales without penalty prior to midnight of the third business day after the transaction. This rule covers retail consumer sales of $25.00 or more that occur away from the seller's main office. Independent Sales Advisors must orally inform the buyer of the three-day right to cancel at the time the buyer purchases the goods and deliver 2 three-day cancellation notices to every customer. 

 SECTION ELEVEN: GENERAL PROVISIONS 

 11.01 INDEMNITY AGREEMENT Each and every Independent Sales Advisor agrees to indemnify and hold harmless Cove Creek Family, Inc, its shareholders, officers, directors, employees, agents and successors in in­terest from and against any claim, demand, liability, loss, cost or expense including, but not limited to, court costs and attorneys' fees, asserted against or suffered or incurred by any of them, directly or indirectly arising out of or in any way related to or connected with allegedly or otherwise, the Independent Sales Advisors (a) activities as Independent Sales Advisor; (b) breach of the terms of the Agreement; and/or (c) violation of or failure to comply with any applicable federal, state or local law or regulation. 

 11.02 PROCESSING CHARGES Cove Creek Family, Inc reserves the right to institute a processing charge for commission checks and/or genealogy requests. 

 11.03 OTHER SERVICES & PRODUCTS Independent Sales Advisors may not promote or sell another company's products or ser­vices at functions organized to feature Cove Creek Family, Inc's products. Independent Sales Advisors are not restricted from selling other company's services and products which are not similar to or competitive with the products and services of Cove Creek Family, Inc. How­ever promotion of competitive services, products and/or business programs with anyone, including Independent Sales Advisors, is strictly prohibited. 

 11.04 LIABILITY To the extent permitted by law, Cove Creek Family, Inc shall not be liable for, and each Independent Sales Advisor releases Cove Creek Family, Inc from, and waives all claims for any loss of profits, indi­rect, direct, special or consequential damages or any other loss incurred or suffered by Independent Sales Advisor as a result of (a) the breach by Independent Sales Advisor of the Agreement and/or the Terms and Conditions and/or the Policies and Procedures; (b) the operation of Independent Sales Advisor's business; (c) any incorrect or wrong data or information provided by Independent Sales Advisor; or (d) the failure to provide any information or data necessary for Cove Creek Family, Inc to operate its business, including, with­out limitation, the enrollment and acceptance of Independent Sales Advisor into the Com­pensation Plan or the payment of commissions and bonuses. 

 11.05 RECORDKEEPING Cove Creek Family, Inc encourages all Independent Sales Advisors to keep complete and accurate records of all their business dealings. 

 11.06 FORCE MAJEURE Cove Creek Family, Inc shall not be responsible for delays or failure in performance caused by circumstances beyond a party's control, such as but not limited to: fire, flood, earthquake, storm, pandemic, power outages, labor difficulties, strikes, war, government decrees or orders and/or curtailment of a party's usual source of supply. 

 11.07 VIOLATIONS It is the obligation of every Independent Sales Advisor to abide by and maintain the in­tegrity of the Policies and Procedures and Terms and Conditions. If Independent Sales Advisor observes another Independent Sales Advisor committing a violation, he or she should discuss the violation di­rectly with the violating Independent Sales Advisor. If the Independent Sales Advisor wishes to report such violation to Cove Creek Family, Inc, he or she must detail violations in writing only and mark the correspondence “Attention: Legal Department”. 

 11.08 AMENDMENTS Cove Creek Family, Inc reserves the right to amend the Agreement, Policies and Procedures, Terms and Conditions, its retail prices, product and service availability and the Compensa­tion Plan type at any time without prior notice as it deems appropriate. Amend­ments will be communicated to Independent Sales Advisors through official Cove Creek Family, Inc email, website and or official Cove Creek Family, Inc publications. Amendments are effective and binding upon submission to the Cove Creek Family, Inc website. In the event any conflict exists between the original documents or policies and any such amendment, the amendment will control. 

 11.09 NON-WAIVER PROVISION No failure of Cove Creek Family, Inc to exercise any power under these Policies and Proce­dures or to insist upon strict compliance by Independent Sales Advisor with any obliga­tion or provision herein, and no custom or practice of the parties at variance with these Policies and Procedures, shall constitute a waiver of Cove Creek Family, Inc's right to demand exact compliance with these Policies and Procedures. Cove Creek Family, Inc's waiver of any particular default by Independent Sales Advisor shall not affect or impair Cove Creek Family, Inc's rights with respect to any subsequent default, nor shall it affect in any way the rights or obligations of any other Independent Sales Advisor. No delay or omis­sions by Cove Creek Family, Inc to exercise any right arising from a default effect or impair Cove Creek Family, Inc's rights as to that or any subsequent or future default. Waiver by Cove Creek Family, Inc can be affected only in writing by an authorized officer of Cove Creek Family, Inc. 

 11.10 GOVERNING LAW The Agreement and these Policies and Procedures shall be governed by the laws of the state of North Carolina, United States. 

 11.11 DISPUTES In the event a dispute arises between the Cove Creek Family, Inc and an Independent Sales Advisor regarding their respective rights, duties under this agreement, or in the event of a claim of breach of the Independent Sales Advisor Agreement, it is agreed that such dispute shall be exclusively resolved pursuant to binding arbitration under the Commercial Rules of the American Arbitration Association with arbitration to occur in McDowell County, state of North Carolina, United States. The Arbitrator may award, in addition to declaratory relief, contractual damages and shall award reasonable attorney’s fees and costs to the prevailing party. An award of attorney’s fees and costs shall continue through any review, appeal or enforcement of an arbitration decision. The arbitration decision may be enforced in any court of competent jurisdiction. This provision shall not be construed so as to prohibit either party from obtaining preliminary or permanent injunctive relief in any court of competent jurisdiction. The parties each expressly waive their right to collect consequential, punitive and exemplary damages from the other party. 

 11.12 ENTIRE AGREEMENT The Policies and Procedures are incorporated into the Agreement and, along with the Terms and Conditions and Compensation Plan, constitute the entire agreement of the parties regarding their business relationship. 

 11.13 SEVERABILITY If under any applicable and binding law or rule of any applicable jurisdic­tion, any provision of the Agreement, including these Policies and Proce­dures and Terms and Conditions, or any specification, standard or operating procedure which Cove Creek Family, Inc has prescribed is held to be invalid or unenforceable, Cove Creek Family, Inc shall have the right to modify the invalid or unenforceable provision, specification, standard or operating procedure or any portion thereof to the extent required to be valid and enforceable, and the Independent Sales Advisor shall be bound by any such modifica­tion. The modification will be effective only in the jurisdiction in which it is required. 

 11.14 LIMITATION OF DAMAGES TO THE EXTENT PERMITTED BY LAW, COVE CREEK FAMILY, INC AND ITS INDEPENDENT SALES ADVISORS, OFFICERS, DIRECTORS, EMPLOYEES AND OTHER ADVISORS, SHALL NOT BE LIABLE FOR, AND INDEPENDENT SALES ADVISOR HEREBY RELEASE THE FOREGOING FROM, AND WAIVE ANY CLAIM FOR LOSS OF PROFIT, INCIDENTAL, SPE­CIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES WHICH MAY ARISE OUT OF ANY CLAIM WHATSOEVER RELATING TO COVE CREEK FAMILY, INC PERFORMANCE, NONPERFORMANCE, ACT OR OMISSION WITH RESPECT TO THE BUSI­NESS RELATIONSHIP OR OTHER MATTERS BETWEEN ANY COVE CREEK FAMILY, INC AND COVE CREEK FAMILY, INC, WHETHER SOUNDING IN CONTRACT TORT OR STRICT LI­ABILITY. COVE CREEK FAMILY, INC SHALL NOT EXCEED AND IS HEREBY EXPRESSLY LIMITED TO, THE AMOUNT OF UNSOLD COVE CREEK FAMILY, INC SERVICES AND/OR PRODUCTS OF COVE CREEK FAMILY, INC OWNED BY THE INDEPENDENT SALES ADVISOR AND ANY COMMISSIONS OWED TO THE INDEPENDENT SALES ADVISOR. 

 11.15 NOTICE Any communication, notice or demand of any kind whatsoever which either the Independent Sales Advisor or Cove Creek Family, Inc may be required or may desire to give or to serve upon the other shall be in writing and delivered by electronic commu­nication whether by telex, telegram, Email or telecopy (if confirmed in writ­ing sent by registered or certified mail, postage prepaid, return receipt re­quested). Any such communication, notice or de­mand shall be deemed to have been given or served on the date of confirmed dispatch, if by elec­tronic communication, or on the date shown on the return receipt or by other evidence if delivery is by mail. Home Office: COVE CREEK FAMILY, INC, 39 Commerce Street, Old Fort, NC 28762 United States;  Email: info@shopcovecreek.com; Phone: 828-284-3794.  

 Note: This document along with all documents within our website must be reviewed and approved prior to use for your particular purpose. No statement of legality or compliance with any regulatory agencies is made in providing you with this free document. Cove Creek reserves the right to update these Policies and Procedures at any time without prior notice. 

 Version 6.0 Last updated: April 7, 2022

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