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Banners Broker TERMS AND CONDITIONS:


Terms and conditions May 2012


Terms and Conditions from October 2012:




 Below are extracts from the recently updated             

Terms and Conditions - 20th August 2013




Banners Broker International defends its brand and reputation vigorously and will take all steps to rectify any and all damage caused through courts of law.

Banners Broker have NEVER taken anyone to court.

“Banners Broker International and its affiliate companies do not guarantee the income of any person(s) or entity participating in its program. Incomes earned will be in direct proportion to the amount of time and effort put forth by participants. The “typical” income of a “typical” Affiliate is approximately $39.58 per month/$475.00 per year. Testimonies given regarding income are the personal testimonies of the persons giving, such testimonials are not sanctioned by Banners Broker International and their accuracy is not guaranteed by Banners Broker International.”

Banners Broker was sold as a 'straightline, cycler doubler'. Turn $20 into $10,000.

Applications must be submitted with a photo ID (Driver’s License, National Identity Card or Passport) as well as a photo copy of the front and back of the credit card being used for payment.

Asking for this information is fraudulent which has been confirmed by Barclays Bank.

Banners Broker International has the right to terminate an Affiliate account without prior notice.

They are saying that regardless of how much money you have given them, they now have the right to close your account and take any money that you have given them.

The maximum withdrawal amount is $10,000 USD per month.

NOBODY has been paid for at least nine months.

Banners Broker International holds the rights to deny any withdrawal request submitted.

...which is the real reason why nobody has been paid.
Charge backs, returns and reversals may lead to an account being locked, immediate account termination and loss of commissions.

The 'chargeback' system of legitimate refunds through your bank or credit card company is proving to be successful and BB have issued this notice to deter you from proceeding any further.
Each Affiliate bears the responsibility for the reporting and filing of taxes. Banners Broker International does not offer tax advice and we strongly recommend that you seek guidance from a local taxation consultant.

You must pay tax on the amount of money you have 'earned' with Banners Broker. Please get financial advice urgently.

EXIT CLAUSE

In the event of the company closing, the company reserves the right to sell or transfer the intellectual property, programming code, and affiliate database at its sole discretion.

Banners Broker can close and all the information that you've given them:
..***Name, Address, email, signature, photocopied ID of driving license/passport/recent utility bills/bank account details and your cards SECURITY CODE****
can be SOLD TO SOMEONE ELSE.

Banners Broker International does not sell or otherwise transfer personal information to unaffiliated third parties except where you specifically authorize us to do so.

You agreed to abide by Banners Brokers terms and conditions when you joined. So you HAVE authorised them to do this.

All refund and cancellation requests must be sent to the following address:

Mailing Address:
P.O. Box 1865
Belize City
Belize
Central America
Why are these requests going to a MAIL BOX. There is no email address listed. No phone number. No dept. No address.

Banners Broker International’s due diligence includes confirming the identity of our Affiliate’s by means of:
Government-issued photo ID
Proof of residential or business address
Corporate documentation
Business registration information
Any other applicable documentation

When capturing Affiliate ID, we will accept a passport or other government issued photo ID and the most recent proof of address (e.g. Utility bill, bank statement, mailed within the last 3 months with the residential address, etc.).

This amount of information is not requested by legitimate companies. 

Our financial partner understands Banners Broker International must know who their customers are and provide adequate information to the company.Our financial partner has an established protocol where they process our customer information into further detail such as: customer name, source of money being transmitted as well as proper identification (passport, driver’s license, etc.)

WHAT financial partner? 

Banners Broker International Head Office
Physical Address: 35 Barrack Road, Suite #203
Belize City
Belize
Central America

Mailing Address: P.O. Box 1865
Belize City
Belize
Central America(Head Office is open to the public by appointment only)

They are now officially based in BELIZE.
No email address is given.
No phone number is given.
No contact name is given.
...but you may make an appointment to see them.


THE FULL TERMS AND CONDITIONS AS ISSUED BY BANNERS BROKERS: 20th August 2013


An Affiliate will perform all of their business activities in a professional and ethical manner, which will enhance the Affiliate’s reputation and the positive reputation of Banners Broker International. An Affiliate will conduct their business and dealings honestly and fairly. Affiliates will not engage in any conduct which would negatively reflect on Banners Broker International. Affiliates will be courteous and respectful of every person contacted including employees of the corporate office and shall not libel/slander the products, company, corporate staff, or its Affiliates at any time. Serious violation of this provision will result in termination of an Affiliateship and possible legal action. Banners Broker International defends its brand and reputation vigorously and will take all steps to rectify any and all damage caused through courts of law.

An Affiliate will never sign on behalf of another Affiliate or prospect, except as duly authorized. Any violations will be reported to the authorities.

You shall not misrepresent the Banners Broker International products or potential incomes. You must realize and accept that engaging in any deceptive or illegal activities will be grounds for termination. You cannot make appraisal claims other than the ones supplied by Banners Broker International for any of the products, nor will you misrepresent the income potential of the Banners Broker International payment plan. Currently, anywhere a statement of income potential is made, you must include the following statement on the same page “Banners Broker International and its affiliate companies do not guarantee the income of any person(s) or entity participating in its program. Incomes earned will be in direct proportion to the amount of time and effort put forth by participants. The “typical” income of a “typical” Affiliate is approximately $39.58 per month/$475.00 per year. Testimonies given regarding income are the personal testimonies of the persons giving, such testimonials are not sanctioned by Banners Broker International and their accuracy is not guaranteed by Banners Broker International.”

You must understand and agree that you are solely responsible for all financial and/or legal obligations you incur in the course of your business as an Independent Affiliate of Banners Broker International. You must also discharge all debts and duties as is required of an independent business.




TERMS AND CONDITIONSThe terms and conditions herewith; govern the relationship between Banners Broker International (hereinafter referred to as “Banners Broker International”), and any person or entity that engages in business as an Independent Affiliate of Banners Broker International products (hereinafter referred to as “Affiliate”). The terms “you” and “your” refer to each Affiliate, “We, us, our,” and the “Company” refer to Banners Broker International.

As an Independent Affiliate of Banners Broker International, you are required to read, understand and comply with the rules, regulations, policies and procedures contained in your Affiliate Agreement; Banners Broker International may change these policies and rules from time to time at its sole discretion. Updates to the contract may be found on the official company website. Violation of the Agreement by an Affiliate may result in immediate termination of his/her Account.




QUALIFICATION FOR AN “INDEPENDENT AFFILIATE”Any person who is of legal age of 18 or over may apply to become an Independent Affiliate of Banners Broker International. Upon receipt of an on-line application, Banners Broker International, at its sole discretion, can accept or reject an application. Once the application has been accepted, the applicant officially becomes an “Independent Affiliate” of Banners Broker International engaged in the marketing of the company’s products. As an “Independent Affiliate” you must enter your own personal information and protect your password. An Affiliate is limited to 1 (one) account, without exception personally.

Applications must be submitted with a photo ID (Driver’s License, National Identity Card or Passport) as well as a photo copy of the front and back of the credit card being used for payment. As an “Independent Affiliate” of Banners Broker International you are granted a limited, nonexclusive, and non-transferable right to access Banners Broker International’s website(s) and content in accordance with these terms.

Banners Broker International has the right to terminate an Affiliate account without prior notice.

If an Affiliate is in breach of the Policies and Procedures as contained in this document all rights and privileges as an “Independent Affiliate” may be suspended and /or terminated, and penalties may include the forfeiture of account including advertising inventory and e-Wallet funds.

Affiliates will not be permitted a beneficial interest in more than one Affiliate ship. Affiliates may only invite new Affiliates directly into their Team.

Banners Broker International prohibits any affiliate from accessing any other affiliate account. Affiliates may not claim to represent a Banners Broker International affiliate, act as their agent, or act as third party agent of Banners Broker International.




INDEPENDENT AFFILIATE STATUSAffiliates are independent contractors for Banners Broker International; they are not franchisees, joint ventures, partners, employees or agents of Banners Broker International. Affiliates are strictly prohibited from stating or implying orally, electronically, or in writing that they are franchisees, joint ventures, partners, employees or agents of Banners Broker International. No Affiliate has authority to bind Banners Broker International to any obligation or otherwise.

An Affiliate, as an independent contractor, is fully responsible for all of their conduct in the operation of the account. Each Affiliate agrees to indemnify and hold harmless Banners Broker International, its officers, agents and directors against any and all liabilities including judgments, civil penalties, returns, attorney fees, court costs or lost business incurred by Banners Broker International as a result of the Affiliate’s conduct in the operation of their Affiliateship.

The use of Banners Broker International head office mailing address, telephone numbers or any other contact details for personal use or gain is strictly forbidden and could result in termination and/or legal action.

CUSTOMER STATUS
As a customer, either an Advertiser or Publisher, you are subject to the same Policies and Procedures of an Affiliate.
Customers can become Affiliates at any time.

INTERNATIONAL APPLICATIONSAll Affiliate applications received from territories in which we do not have corporate offices understand that by agreeing to these Policies and Procedures you agree to the following “International Disclaimer” which states:

All communications will be in English as will be all literature and support material including websites. Translation of such material is strictly forbidden and will only be entertained if (1) the Affiliate can show signs of having the ability to build the new territory, and (2) the Inviter has such confidence in anticipated growth that they are prepared to cover the initial cost of such translations.




INVITERAn Affiliate builds a sales organization by promoting their replicated affiliate links and inviting new Affiliates. The new Affiliate is automatically assigned a referral link once registered. Following the registration, the new Affiliate may not be moved to any other location in the organization.

Banners Broker International encourages people to join with the Affiliate who first introduced them to Banners Broker. Should a potential affiliate be hesitant about joining Banners Broker International the Inviter will have 30 days from the point of first contact to encourage that person to become an Affiliate. Affiliates are encouraged to keep a copy of all communication as proof of the date that their prospect participated in a Banners Broker International presentation. During those first 30 days, the person cannot join Banners Broker International with another Affiliate as an Inviter; except with the original Inviter’s written permission. After that time period, while the person can still join with the Affiliate as his Inviter, the person will be free to choose another Affiliate as their Inviter.

Banners Broker International shall regard the first on-line application received by corporate office as binding; subject to the preceding paragraph. Change of Inviter is not permitted.




INVITER RESONSIBILITIESThe Banners Broker International Support System is an important part in ensuring the success of each and every Affiliate. You must fulfill your leadership responsibilities as an Inviter. (See Business Conduct)

An Affiliate who invites other Affiliates is obligated to provide optimal service and training for new Affiliates and their Teams.

An Affiliate is encouraged to be judicious when distributing internal newsletters, conducting training workshops and other programs to their Team. Affiliates must exercise the utmost caution to avoid giving the impression that they are acting as an agent of Banners Broker International. They must always indicate they are an Independent Affiliate and not an agent or employee of Banners Broker International. (See Promotional Guidelines).




CORPORATION/PARTNERSHIPPartnerships or Corporations may be an “Independent Affiliate” according to the following rules:

A) Must have a registered Tax number.

B) Must be of legal age within the country registered.

C) When a Corporation applies to be an Affiliate the application must be submitted in

the full legal name of the Corporation and must include the name and signature of an officer of the company authorised to contract for the Corporation. A full list of shareholders must also be submitted along with the application.

D) When a Partnership applies to become an Affiliate the application must be

submitted in the full legal name of the partnership and must include the name

and signature of the partner authorised to execute contracts on behalf of the Partnership. A full list of all Partners must be also be submitted along with the application.




AFFILIATE RENEWAL
There is no annual renewal requirement.

WITHDRAWAL POLICY
Withdrawal requests are made from the E-Wallet in the back office in conjunction with STP or Payza. The minimum withdrawal is $20.00 USD. The minimum fee for withdrawals is 1% + $5.00 USD of total withdrawal. The maximum withdrawal amount is $10,000 USD per month. Any withdrawal requests under $10,000 may be made via the withdrawal options available in your country as per the website.

All withdrawal requests made shall be processed by Banners Broker International to the payment amount noted in your back office.

For the maximum withdrawal amount per year, please refer to the Cap Policy found under the e-Wallet tab on the withdraw money page “your stats”.

This withdrawal Policy applies to all current and future Affiliates and is a legally binding document. Banners Broker International holds the rights to deny any withdrawal request submitted.

ADJUSTMENTS
Banners Broker International reserves the right to deduct from payments any account receivable balances owed to Banners Broker International, including balances resulting from reverse transactions due to product returns, chargebacks, clerical errors and order cancellations. The Inviter affected by returned products or cancellations will have their accounts and payments adjusted accordingly.

FAST START PROGRAM
The Fast-Start Program is a fully automated feature. Failure to fund an account with the Fast-Start Program within 30 days will result in the account reverting to a “free” status. All ad inventory and E-wallet funds generated from this Program will be removed without exception. This cannot be reversed or halted once the 30 day time period has expired.

EXTERNAL TRAFFIC PACKS
Any attempt to manipulate the External Traffic Pack Program or circumvent the security of the Banners Broker International website or its products and services is a violation of the Policies and Procedures of Banners Broker International and is subject to penalties such as but not limited to removal of incentive traffic, account suspension or immediate termination. Banners Broker International makes no guarantees on the time frame for traffic to be delivered to the approved external site or the amount of time it takes for a website to be approved. All Affiliate websites must be approved in order to have an External Traffic Pack applied. The Banners Broker International website or any of the choice network sites may not have External Traffic Packs applied to them. You may purchase External Traffic Packs before or after having your site approved, however, there are no refunds for purchased External Traffic Packs if the website you wish to use them on is not approved. Banners Broker International does not guarantee full page loads for external traffic we send to sites.

CLICK INCENTIVE PROGRAM

All clicks must be organic. BOT’s or scripts are not allowed. An Affiliate must not manipulate or change values or fields on the Click Incentive console or any related pages. Do not circumvent the flow of the Click Incentive Program. Click on a URL and when the next page loads, click on the link when available then repeat. JavaScript must be enabled.

Violations of the Click Incentive Program will lead to the Affiliate Account being banned for life from all current and future Incentive Programs, as well as the loss of all incentives gained. In addition, your account may be subjected to suspension of account or termination.

ARTICLE INCENTIVE PROGRAM
Banners Broker International Incentive Programs offer bonuses to Affiliates. Any attempt to manipulate or submit plagiarized content to this program, or circumvent the protocols governing this program, is a violation against Banners Broker International Policies and Procedures. Banners Broker related content is prohibited. All content must be reviewed and approved by Banners Broker International. If any content made by an Affiliate is found to be altered in any way after approval, it will be deemed non-compliant and your account will be subject to penalties. Violation of any of these policies may include a ban from submitting any further Articles.

TRAFFIC PACK SUBSCRIPTION CANCELLATIONS
Should you choose to cancel your TP subscription(s), all subscriptions will be cancelled and all bonus hits will be removed from your Traffic Pack Bank with the possibility to go into negative values if you have already used this traffic. Any cancellation blocks your account from repurchasing Traffic packs for a period of six months from the cancellation date. Traffic Pack Bank may be replenished through the accumulation of Organic Traffic. Upon cancelling your traffic pack subscription you are still required to pay your current administration fee with no exception. You will also lose all bonus traffic that was provided to you and will not be able to purchase traffic packs for 6 months.

NEGATIVE BALANCES
Accounts with negative balances may not qualify panels, transfer inventory or be allowed to withdraw. If your account has a negative balance, any additional funds deposited into the account will be applied to correct the negative balance. The remainder will be funded to the advertising credits.
CHARGEBACKS
Charge backs, returns and reversals may lead to an account being locked, immediate account termination and loss of commissions.

INCOME TAXES
Each Affiliate bears the responsibility for the reporting and filing of taxes. Banners Broker International does not offer tax advice and we strongly recommend that you seek guidance from a local taxation consultant.

Affiliates will not be treated as franchisees, joint ventures, partners, employees or agents with respect to any government regulations. When applicable, and as requested Banners Broker International will issue reports of income to Affiliates as required by each country in which Banners Broker International does business; accumulated earnings and all purchases placed through the account are available to Affiliates in their back office, however Banners Broker International will not prepare reports of any kind for income tax purposes.

UPGRADES
A) Upgrading Account Subscriptions – Once your account subscription has been upgraded you may not downgrade.

B) Upgrading Packages – As an Affiliate you are eligible for only one package at any given time. Packages can be upgraded within 30 days of activation. An additional 15 days is offered to upgrade to Prestige only.

C) Product Transfer – Panels and packages can only be transferred to Affiliates that have been personally invited by you, the direct referrer. Panels and packages cannot be transferred out of free accounts.

TRANSFER OF AFFILIATESHIP
All accounts are personal agreements between the applicant and Banners Broker International and as such are non-transferable. If as an affiliate you no longer wish to participate in the program the agreement may be cancelled by mailing a cancellation request. You must include Government ID when sending in your request. Refer to Cancellation Policy.

TRANSFER – DEATH AND INHERITANCE
Upon the death or incapacitation of an Affiliate the Affiliateship will be transferred, if requested to their successors according to applicable law. A notarized statement, Will or certified court order is required. The recipient of the account is to sign up on-line and create an account. They must fulfill all of the obligations and responsibilities of an Affiliate in order to have the Affiliateship transferred and receive all of its benefits and bonuses.

If an Affiliate inherits an Affiliateship the account has to be converted into a registered business entity.

Notify Banners Broker immediately and send all documentation to:

Mailing Address:

P.O. Box 1865
Belize City
Belize
Central America

DIVORCE OR DISSOLUTION
Banners Broker International will only change ownership/payments upon receiving legal documents relating to the disposition of the Banners Broker International Affiliateship. Until such notice, the Banners Broker International Affiliateship will be operated jointly, on a business-as-usual basis. Under no circumstances will Banners Broker International split commissions and bonuses between divorcing spouses or Affiliates of dissolving entities.

In the event that parties to a divorce or dissolution proceedings are unable to resolve a dispute over the disposition of commissions and ownership of the business, the Agreement shall be involuntarily terminated.

If a former spouse or former entity has completely relinquished all rights to their original Banners Broker International business, then they can re-join immediately. In either case, the former spouse or parties shall have no rights to any Affiliates in their former Team.

SELLING OTHER SERVICES AND PRODUCTS
An Affiliate can be part of any other product or service, as long as the Banners Broker International products and opportunity are not presented in a negative light. An example of negative action could be an Affiliate actively recruiting for Banners Broker International at another company’s event. Reproduction in part or in whole of Banners Broker International’s products, trademarks, services, content and/or websites is strictly prohibited and will be subject to immediate legal action.

Any Affiliate making presentations of a public nature regarding Banners Broker International, shall not engage in promotion of any products or services to that same group.

CROSS RECRUITING
Approaching Banners Broker International Affiliates and customers for the purpose of cross recruiting into network marketing programs or competing companies products or services with a similar marketing model is strictly prohibited, and subject to firm legal action.

CONFIDENTIALITY AND EXCLUSIVITY AGREEMENT
Information contained in any organization or report is confidential, proprietary to Banners Broker International and is transmitted to the Affiliate in confidence. Any and all information or internal communication regarding Banners Broker International or its Affiliates that is transmitted in any form to its Affiliates is done so in confidence to the receiving party. The Affiliate agrees not to disclose such information to any third party directly or indirectly or use the information to compete with Banners Broker International; or for any purpose other than to promote the sale of Banners Broker International Products and the building of a sales team of Affiliates selling Banners Broker International products. The Affiliates and Banners Broker International agree that if not for this agreement of confidentiality and nondisclosure, Banners Broker International would not provide the information to the Affiliate. An Affiliate’s breach of confidentiality for the purpose of disclosing information to a third party could be cause for immediate termination and legal action by Banners Broker International.

TERRITORIES
Banners Broker International does not recognize any exclusive territories. Affiliates are not restricted from conducting business anywhere where permitted by law.

AFFILIATE CONTACT INFORMATION
It is imperative for the Affiliate to ensure that all personal information in their back office is accurate and up to date at any given time. As a convenience, Affiliates can make changes to the information through their Back Office, Banners Broker International can only contact its Affiliates at the most recent information on file; contact at the most recent information on record shall be taken as valid delivery of any information, notices or documents. If the Affiliate’s mailing address requires a change in either Province/State and/or Country; Affiliate MUST submit this communication through their Back Office and create a Support Ticket.

All communication with Head Office should include Affiliate’s full name on the account and username.

PRODUCT TESTIMONIAL
All Banners Broker International Affiliates are encouraged to share their excitement of Banners Broker International products and business opportunity. Banners Broker International reserves the right to use statements and photographs voluntarily submitted to its corporate office from Affiliates and customers in its promotional material without any stated, written or implied financial compensation or permissions.

CLAIMS – PRODUCT
An Affiliate may not make claims about the Banners Broker International products except those officially approved in writing by Banners Broker International or as contained in the official Banners Broker International literature. Unofficial statements directly violate Banners Broker International policy and are strictly prohibited.

CLAIMS – COMPENSATION
An Affiliate may not make any representation relating to compensation unless it includes disclosure of the compensation likely to be received by typical participants in the plan as disclosed by Banners Broker International. Hypothetical compensation figures based upon the inherent power of affiliate marketing as actual compensation projections are against Industry Canada and Federal Trade Commission’s (USA) Truth-in-Advertising law. The compensation potential is highly attractive in reality without resorting to artificial and unrealistic projections. An Affiliate who violates this policy may be subject to immediate termination.

NAMES, LOGOS, TRADEMARKS
The names “Banners Broker”, “Banners Broker International”, and all current and future trademarks as well as the names of all Banners Broker International products are the trademarks of Banners Broker International. Only Banners Broker International is authorized to produce and market products and literature under these trademarks. The use of the Banners Broker International names on any product, literature, or electronic media not produced or offered by Banners Broker International is prohibited unless written approval has been obtained from Banners Broker International.


The Banners Broker International name, trademarks, logos, and the names of the corporate executives, Board of Directors, Advisory Board Affiliates, employees or any other professionals who endorse Banners Broker International may not be used in any form, either written or spoken, without prior written approval by Banners Broker International. The use of Banners Broker International names, logos, and trademarks is strictly limited to Banners Broker International-approved formats. When a Banners Broker International Affiliate has received approval to use the Banners Broker International name, trademarks or logos in any pre-approved medium, the Affiliate must indicate that he or she is an “Independent Affiliate” of Banners Broker International.

TRADEMARK INFRINGEMENTS/VIOLATIONS

Banners Broker International makes no warranties regarding possible infringement of any U.S. or foreign patent, trademark, trade name, copyright or the like, caused by an Affiliate’s operations; and Affiliates shall have no claim in connection therewith. When an Affiliate learns of any suit or claim regarding any patent, trademark, trade name or copyright infringement involving Banners Broker International, the Affiliate shall immediately notify the Banners Broker International Compliance Department through Support. Non- Compliant issues can be reported anonymously through Banners Broker International “Community Watch” (in your back office) under the help button, by creating a ticket, or by contacting Support.

The Company does not and cannot review all communications posted to or created by users accessing the site and is not in any manner responsible for the content of these communications and materials. Independent Affiliates acknowledge that by Banners Broker International providing the ability to view and distribute user generated content on the site, the company is merely acting as a passive conduit for such distribution and is not undertaking any obligation or liability relating to any contents or activities on the site. However, the company reserves the right to block or remove communications or materials that it determines to be (a) abusive, defamatory, or obscene, (b) fraudulent, deceptive, or misleading, (c) in violation of a copyright, trademark or; other intellectual property right of another or (d) violates any law or regulation or (e) offensive or otherwise unacceptable to the company at its sole discretion. Note that any personally identifiable information posted or transmitted by Independent Affiliates will be treated in accordance with our Privacy Statement and in accordance with the Independent Affiliates use of his/her back office.




ACKNOWLEDGEMENTIndependent Affiliates of Banners Broker International hereby acknowledge and agree with the following:

a. You will not send or otherwise post unauthorized commercial communications to users (ex. spam).

b. You will not collect users' information, or otherwise access the website, using automated means (ex. harvesting bots, robots, spiders, or scrapers) without our permission.

c. You will not upload viruses or other malicious code.

d. You will not solicit login information or access an account belonging to someone else.

e. You will not bully, intimidate, or harass any user.

f. You will not post content that is hateful, threatening, pornographic, or that contains nudity or graphic or gratuitous violence.

g. You will not develop or operate a third party application containing, or advertise or otherwise market alcohol-related or other mature content without appropriate age-based restrictions.

h. You will not use the company to do anything unlawful, misleading, malicious, or discriminatory.

i. You will not facilitate or encourage any violations of this statement.




Banners Broker International LITERATURE
An Affiliate may only use authorized promotional materials to promote Banners Broker International products and opportunities. Banners Broker International wants to ensure that the prestigious image of the company and its products are presented accurately. Should an Affiliate wish to generate their own material, including any advertising, printed material, websites, social media, CD’s or DVD’s, they must first apply to Banners Broker International for permission to do so with an explanation as to its’ purpose. All Affiliate created content must at all time’s state that you are an “Independent Affiliate of Banners Broker”. Pre-approval is required for a sign or banner that includes the heading: “Independent Affiliate”.

An Affiliate may be liable for damages resulting from unauthorized use of Banners Broker International copyrights, trademarks and materials. Any deviation from these rules could result in termination and potential loss of income.

Affiliates may not create documents that portray earnings that have not been sanctioned by the company. Words such as “investment”, “doubling”, “ROI”, “compounding”, or “interest”, guarantee in relations to income earned may NOT be used. Affiliates found to be in violation of these terms are subject to immediate termination and forfeiture of any products purchased.

An Affiliate shall not answer the telephone by saying “Banners Broker International”, or use any other Banners Broker International trademarks that would possibly give the impression that the Affiliate is a Banners Broker International employee or that the caller has reached the Banners Broker International corporate office.

MEDIA INQUIRIES
With increasing public interest in Banners Broker International, Affiliates may be contacted by the media. When this happens, the Affiliate must refer all such contacts to Banners Broker International Head Office immediately. Affiliates are not authorized to make any statements or comments to the media with reference to any or all of Banners Broker International officers, products or procedures. Failure to abide by this policy is grounds for Affiliate account termination.

RECORDINGSAffiliates may not reproduce for sale any commercial or promotional recordings or presentations of Banners Broker International.

ACCOUNT INQUIRIES / REQUEST FOR CHANGE
Requests to make changes to an account must be submitted to the Support Center by creating a ticket. To accept a request to make changes in an account, Banners Broker International must be able to establish the identity of the owner of the account. To confirm the identity of the account holder, requests will be accepted only if received by:
Notice submitted with the signature of the Affiliate on a dated document; if the signature is not on record with Banners Broker International, then an email from the address on record must be sent or a copy of a government-issued ID with the Affiliate’s signature must be submitted along with a signed request.

Any account activity in an Affiliate’s Banners Broker International account that appears incorrect must be submitted in writing within 30 days of the posting of the account activity to the Support for investigation and deliberation. Banners Broker International is not responsible for errors and omissions not brought to its attention within 30 days from the time of occurrence.

PROHIBITED AND RESTRICTED PRODUCTS
The following types of subject materials are not acceptable in conjunction with any Banners Broker International products, service or promotion:

• Illegal and Potentially Illegal Products/Services

•Spyware, Spam ware, E-Mail Advertising, Opt-Out, or Commercial Messaging Services

• Adult Content- Pictures, Videos, etc. of individuals of any age

• Firearms, Ammunition, High Capacity Magazines, Tasers, Stun Guns, Air Guns, Paint Guns, Weapons, Swords, and Knives

• Fireworks or Pyrotechnic Devices or Supplies

• Alcoholic Beverages

• Tobacco Products, Smoking Mixtures, or Tobacco Substitutes

• Drug Paraphernalia

• Prescription Drugs/Devices, Controlled Substances, Unapproved Drugs, Unapproved Medical Devices, Pseudo- Pharmaceuticals

• Internet Pharmacies

• Internet Pharmacy Referral Sites

• Illegal/Unlicensed Gambling, including;

• Prognostication,

• Lotteries,

• Raffles,

• Contests, and Sweepstakes Offering a Free Gift, Prize or Contest/ Sweepstakes entry as an inducement to purchase their product or service

• Merchants offering Substantial Rebates or Special Incentives that are awarded to the cardholder subsequent to the original purchase

• Sites that promote Hatred, Racism, or Religious Persecution

• Non-Accredited Certification Test Exams, Academic Degrees, or Diplomas

• Matrimonial sites, “Find-A-Bride”, etc.

• Cultural artifacts, Antiquities, and Native American Artifacts

• Police and other Government Identification and Equipment

• Agricultural Products

• Term Papers, Dissertations, and Academic Writing Services

• Services Requiring License to Practice




EXIT CLAUSE
In the event of the company closing, the company reserves the right to sell or transfer the intellectual property, programming code, and affiliate database at its sole discretion.

PRIVACY POLICY GUIDELINES
Protecting your privacy is the main priority at Banners Broker International. We are committed to protecting the privacy of all the information collected and stored in Banners Broker International’s electronic facility in a professional and confidential manner. Any personal information provided to us, collected by us or stored in our facility is not accessible by anyone but you through the use of your unique user name and password. Only a limited number of system administrators have monitored access to the information that you provide. When you solicit our service, we tell you about this policy and obtain your consent before collecting, using or disclosing personal information, except where permitted or allowed by law.

BINDING EFFECT
The Banners Broker International Privacy Policy applies to everyone, including you our customer. You hereby swear that you are at least 18 years of age and capable to enter into a binding contract. Your use of our Website constitutes your agreement to this Privacy Policy and any subsequent modifications thereto. If you do not wish to be bound by this Privacy Policy, Please discontinue your use of the Banners Broker Website.

COLLECTION, USE AND DISCLOSURE OF PERSONAL INFORMATION
When you register with Banners Broker International, you supply personal information; this includes your email address that is required to open an account with us. We limit the personal information we collect to what is necessary for the purpose of our business. We obtain information about you for identification purposes. This is done to protect both you and Banners Broker International against error and fraud, to monitor traffic to our Website, to understand your usage of our product and services, to contact you and recommend particular products and services that meet your needs, to provide you with ongoing service, to respond to customer inquiries and comments, to maintain a list of Banners Broker International customers and to comply with legal requirements.

After registering with Banners Broker International, you may cancel your account at any time. Minimum personal information allowing Banners Broker International to track a cancelled customer for the reason of verification or other official reasons, such as and where required by law, will be kept for a period of three years after a cancellation occurs. To cancel a registration you need to follow necessary steps mentioned in our Refund/Cancellation Policy.

Banners Broker International will not use or disclose collected personal information for purposes other than those for which it was collected, except with your express consent or if required by law. By providing personal information to Banners Broker International, you agree and consent to the collection, use and/or disclosure of such information by Banners Broker International for the purposes stated above.

TYPES OF PERSONAL INFORMATION WE COLLECT
We collect necessary identification information, including Names, Address, Birth Date and Citizenship. To verify the authenticity of Citizenship, we require at least one government issued photo identification. We collect Bank Account information for the purpose of paying commissions.

PROTECTING, MAINTAINING ACCURACY, AND PROVIDING YOU ACCESS TO YOUR INFORMATION
We safeguard the privacy of your personal information through appropriate security measures. We make sure personal information is as accurate, complete and up-to-date as necessary. As an Affiliate you have full access to your personal information. You can inquire about its use and disclosure, you can verify whether it is accurate and complete and modify it if necessary. If doing so personally it will not compromise Banners Broker International’s privacy or security interests. Our Policies and Procedures regarding the management of your personal information is made available to you so that you know what steps you can follow if you have concerns or questions about your privacy. There are designated agents in our company who have access to your personal information in order to fulfill all requests by Affiliates. These individuals are asked to sign strict confidentiality and non-disclosure agreements to ensure their compliance with legal requirements in relation to the handling of affiliate information. Banners Broker International has taken the necessary steps to ensure that your personal information remains private and confidential.

Banners Broker International is obligated to protect your personal information by making reasonable security arrangements against such risks as loss, misuse, unauthorized access, alteration, disclosure or disposal/destruction. Several physical, electronic and procedural security measures have been integrated into the day-to-day operations of our company to safeguard the personal information you provide us. This includes the use of appropriate technology to process all traffic at this website. We use several layers of robust security methods among which, SSL (Secure Socket Layer) technology, encryption, firewalls and timed log-outs among others to ensure the confidentiality of your personal information.

 SSL (Secure Socket Layer Technology) is the standard tool for protecting and maintaining security over the Internet. Encryption scrambles your data into an unreadable format to block unauthorized access by others.

 Timed log-outs are destined to automatically terminate a session after a period of inactivity just in case you forget to log out or leave a computer unattended during an online session.

TRANSFERRING OR SHARING YOUR INFORMATION
Banners Broker International does not sell or otherwise transfer personal information to unaffiliated third parties except where you specifically authorize us to do so. Unless prohibited by law, Banners Broker International does however share information with its affiliates, subsidiaries and even third parties providing services on behalf of Banners Broker International. You can choose to oppose the sharing of your information within our group and your given consent can be withdrawn any time, unless legal requirements prevent it. From time to time, Banners Broker International, its affiliates, subsidiaries or third parties working on our behalf may offer you products and services - including special promotions - that we believe will be of interest to you through direct mail, telephone, e-mail or other means. If you do not wish to be included in Banners Broker International or Banners Broker International’s future marketing efforts, or if you would like to have your personal information removed from our direct marketing database, please notify Banners Broker International by creating a ticket in your back office.

DISCLOSURE OF GENERAL AND ANONYMOUS INFORMATION
Banners Broker International will, at times, conduct market research of anonymous and aggregated customer information and other service related information, in order to measure interest in the Website or other related factors and parameters. Banners Broker International reserves the right to publish, share, transfer or sell the findings of our research.

PASSWORD
Access to your personal information posted on our Website will be password protected. You are responsible for keeping your password confidential in order to prevent unauthorized access. You agree to promptly notify Banners Broker International of any unauthorized use of your password. You will be liable for any orders placed with or any electronic data provided to Banners Broker International until Banners Broker International is notified of an unauthorized use of your password.

Never disclose your passwords or answers to online personnel. Banners Broker International employee’s or agent’s will never ask you verbally or through e-mail for this information.
However, if for some reason you cannot access your account and ask us to help you, we may ask for you to verify your account.

LINKS TO THIRD PARTY WEBSITES
The content of our Website may contain links to third party Websites. This privacy statement applies only to Banners Broker International and its associated parties for information collected. It does not apply to any third-party Websites you access from our Website, and we are not responsible for the privacy practices of these sites. It is your responsibility to be aware of and comply with such privacy policies.

E-MAIL
Banners Broker International will not monitor, edit, or disclose private communications unless: (i) required to do so by law; (ii) you grant us permission; or (iii) in the good faith belief that such action is necessary to: (a) comply with the law; (b) comply with any legal process that is served on Banners Broker International; or (c) protect and defend the rights or property of Banners Broker International.

COOKIES
A cookie is a file that lets Web servers "identify" visitors to the Website. Every time you start a session on the Banners Broker International Website, our server uses a cookie to remember the settings you have specified, in order to tailor the experience for future visits to our website. Cookies do not store any of the personal information you have provided through the site; they are simply identifiers. Cookies collect information such as your browser type, time and length of your visit. Most browsers automatically accept cookies, but you can choose to refuse cookies, or selectively accept cookies, by adjusting the preferences in your browser. However, if you refuse cookies, some features of our site will not be available to you and some Web pages may not display properly.

EFFECTIVE DATE
This Privacy Policy was effective as of December 1, 2011. Banners Broker International reserves the right to change this Privacy Policy at any time. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by means including, but not limited to, posting on the Website, or by any other means by which you obtain notice thereof. Your continued use of the Website after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by the modified Privacy Policy.

SEVERABILITY
If any provision of this Policy shall be held to be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby, and such illegal or unenforceable provision shall be interpreted, construed, or reformed to the extent reasonably required to render it valid, enforceable and deemed to be restated to reflect the original intentions of this Privacy Policy in accordance with applicable law(s).

REFUND/CANCELLATION POLICY
Last updated on June 13, 2013

Banners Broker International offers a thirty-day money back guarantee on our Ad-Pub Combo packages ONLY. Upon cancellation of your initial package, you will be entitled to a refund provided the cancellation occurs within thirty days of activating your initial package. There will be no exceptions for refund under any other circumstance. Any sales after thirty days of activating your package are final.

To receive a refund, the following procedure MUST be followed out:
A written request must be mailed with a postmark that is no later than thirty days of the purchase.

Government Photo I.D. must accompany the written request for a refund.

Banners Broker will send you written confirmation of your request via email within two business days of receiving your written request.

Refunds will be processed upon completion of due diligence by Banners Broker International.

Payments that were made using credit cards will be refunded to the original credit card used.

Payments made by any other method will be refunded by the original funding method.

The 5% processing fee is non-refundable.

Ad campaigns currently in process will be terminated once request has been received.

Refunds on ad impressions that are being used in active campaigns will be issued if less than 30% of total ad impression has been used.

Refunds are available for initial ad impressions or Ad-Pub Combo Packages. Refunds DO NOT apply to additional panels, traffic boosters, traffic packs, or any additional features.In the case of a cancellation request, the following steps MUST apply:

You may request cancellation of your account at any time.

If you fall within the refund period, you may apply for a refund by following the above listed steps.

Cancellation requests must be submitted in writing, to the address listed below

Canceling an account may take up to 10 business days from the time the request has been received.

By canceling your account with Banners Broker, you are forfeiting all products in your account, including but not limited to: ad impressions, ad inventory, future revenue that may be earned as a Publisher and access to the Banners Broker International Dashboard.By requesting a refund or cancellation, you are asking for your account (whether free, Advertiser, Publisher, or Ad-Pub Combo) to be closed. Any ad campaigns currently in progress will be terminated immediately. Any traffic packs, traffic boosters or panels that were purchased will be voided along with all access to the back office tools, dashboard, reports, and commission earnings.

Any withdrawal requests that have been initiated will be cancelled and not paid out. Any Affiliateship that requests a refund or cancellation cannot make a purchase or become an Affiliate for a minimum of six months.

Please be sure of your refund or cancellation before initiating the process, as once the process has been started, it cannot be cancelled.

All refund and cancellation requests must be sent to the following address:

Mailing Address:

P.O. Box 1865

Belize City

Belize

Central America

All unfinished panels will be deleted from the account with immediate effect. Banners Broker International may notify any affected parties of the resignation.

If an Affiliate has placed a written cancellation request and has waited a six (6) month period as per the Policies & Procedures, he or she may change Inviters, but teams already created will remain in place. Any Inviter changes must be completed prior to any new product orders. Additionally, Banners Broker International reserves the right to amend this renewal policy as it deems appropriate.

On the basis of either cancellation and or termination; the legal account owner(s) for a period of 12 months from the date of termination, cannot solicit and/or recruit any Active or Inactive Banners Broker International Affiliate including, but not limited to, customer, Affiliate, staff or supplier on behalf of another direct marketing company and/or company offering competing product line or business models. Customer and Affiliate lists and Reports will not be used or disclosed to anyone except for the purpose of promoting and developing a Banners Broker International business.

TERMINATION POLICY
Banners Broker International reserves the right to suspend or terminate any Affiliateship at any time for cause when the Affiliate has violated any provision of the Affiliateship agreement, including the provision of the Policies and Procedures, as they may be amended, or the provisions of applicable laws and standards of fair dealing.

SUSPENSION
Suspension of an Affiliates account will result in, but is not limited to, locking of accounts , freezing all activity, inability for the Affiliates to access account information via online, place orders, or Invite new Affiliates during the review process. Suspension may be made by Banners Broker International’s compliance department at its discretion and without prior knowledge.

APPEALING A TERMINATION / SUSPENSION
The Affiliate may appeal the termination/suspension in writing within seven (7) days of the date on the termination/suspension letter. If an Affiliate files a timely appeal, Banners Broker International will review the termination, consider any other appropriate action and notify the Affiliate of its decision. Banners Broker International decision will be final and shall not be subject to further review. In the event that the termination is not rescinded, the termination will be effective as of the date of Banners Broker International original termination letter.

EFFECT OF TERMINATION
Resignation and Termination result in the Affiliate’s loss of all rights to their organization. Once terminated, an Affiliate may no longer claim that they are an Affiliate of Banners Broker International or represent the company or its products in any way.

The account will be deemed to be inactive as the owner is no longer an Affiliate of Banners Broker International, and there will be no access to the Back Office.

GENERAL PROVISIONS
An Executive decision or a Compliance Department decision may override any part of this Agreement.

AMENDMENTS
Banners Broker International reserves the right to amend this document set forth herein as it deems appropriate. Amendments will be communicated to all Affiliates through email or other means that are effective and binding upon all Affiliates as of the date of issuance. In the event of any conflict regarding such amendment, the amendment shall prevail. In the event that any company brochures, catalogues, product lists, literature, website, fax on demand information, etc. is revised, only the most current version is authorized for use by Banners Broker International.

REPORTING POLICY VIOLATIONS
Policy violations by another Affiliate should be submitted by creating a ticket in your back office or via the “BB Community Watch” under the help button. Such documentation may bear the writer’s signature and identification number. Anonymous complaints will be accepted. Details of the incident such as dates, number of occurrences, persons involved, witnesses, and any supporting documentation should be included in the report. Note: No telephone calls will be accepted with such matters.

All complaints are held confidential.

No Waiver Provision:
Failure to exercise any power under this Agreement, or failure to insist on strict compliance by an Affiliate with any obligation or provision herein, or custom of the parties at variance with these Policies and Procedures, shall not constitute a waiver of the Company’s right to demand exact compliance with this Agreement; the Company’s waiver of any particular default by an Affiliate shall not affect or impair the Company’s right with respect to any subsequent default, nor shall it affect in any way the right or obligation to any other Affiliate; nor shall any delay or omission by the Company to exercise any right arising from default affect or impair the Company’s right as to that or any subsequent default.

LIMITATION OF DAMAGES
To the extent allowed by law, Banners Broker International and officers, directors, employees and other entities shall not be held liable. The Affiliate hereby releases the foregoing from, and waives any claim for loss of profit, incidental, special consequential or exemplary damages, which may arise out of any claim whatsoever relating to Banners Broker International performance, non-performance, act or omission with respect to the business relationship or other matter between the Affiliates and the Company whether sounding in contrast, tort or strict liability. Furthermore, it is agreed that any damage to the Affiliate shall not exceed, and is thereby expressly limited to, the purchase thereby from Banners Broker International and any commissions or bonuses due.

ANTI-MONEY LAUNDERING POLICY
As a worldwide Online Broker of ad Space and Traffic Impressions company, Banners Broker International is fully committed to conducting due diligence on our clients and ensuring that all applicable laws and regulations essential to forestall relevant money laundering are adhered too.

Banners Broker International’s due diligence includes confirming the identity of our Affiliate’s by means of:

Government-issued photo ID

Proof of residential or business address

Corporate documentation

Business registration information

Any other applicable documentationWhen capturing Affiliate ID, we will accept a passport or other government issued photo ID and the most recent proof of address (e.g. Utility bill, bank statement, mailed within the last 3 months with the residential address, etc.). We capture Affiliate’s ID when they initiate a withdrawal request by using an image tool that uploads the image within the back office. This file is stored with the Affiliate’s records.
Banners Broker International stores scanned documents received from its Affiliates in a bit shifted format. This format is not stored on the file system, but in the database in an ambiguously named table. Banners Broker International takes this precaution in order to protect Affiliate’s personal information in a safe and controlled manner. Furthermore, we reserve the right to conduct further due diligence on all clients given world-wide approved risk-based policies. Please note that Banners Broker International reserves the right to refuse a transaction or deny operation of an Affiliate’s account at any time should suspicion arise that it may be connected to money laundering, criminal activity or any other offence related.

Our financial partner understands Banners Broker International must know who their customers are and provide adequate information to the company. Our financial partner has an established protocol where they process our customer information into further detail such as: customer name, source of money being transmitted as well as proper identification (passport, driver’s license, etc.)

In the event that Banners Broker International receives, during its request for documentation, deceptive documentation, contact details, business descriptions or other false information, Banners Broker International will take the necessary precautions to deal with the offending Affiliate and their accounts. Banners Broker International has the right to report such crimes to the relevant authorities, and as such the person(s) and/or business and its owners may be the subject to a criminal investigation.

Banners Broker International will not enter into any business arrangement with any person or group suspected of directly or indirectly laundering money, or where funds have been sources or part of an illegal activity.

PROMOTIONAL GUIDELINES
Banners Broker International Incentive Programs offer bonuses to Affiliates. Any attempt to manipulate these programs, submit content that is not genuine in nature or circumvent the protocols governing these programs is a violation against Banners Broker International Policies and Procedures. Banners Broker International is not responsible for Banners Broker related content produced by Affiliates. All content must be reviewed and approved by Banners Broker International before distribution. If any Banners Broker International content made by Affiliates is found to be altered in any way, after approval, it will be deemed non-compliant and your account will be subject to penalties. Violation of any of these policies will result in a permanent ban from participating in any of the incentive programs. Further actions may include the locking of your account and may lead to the termination of the Affiliate Agreement.

As a successful and fast growing Company, Banners Broker International thanks you for your support and dedication. In an effort to maintain integrity and compliance, all promotional advertising and training materials are created solely by Banners Broker International.

Any affiliate who is found to be using material other than that produced by Banners Broker International is liable to having their account locked.

The following is approved Official Banners Broker International verbiage available for you to grow your business. You must clearly state you are an Independent Affiliate:

· Links to the Banners Broker International Website

· Links to our Official YouTube channel (banners broker)

· Official pre-made Banners - under Campaigns

· Official Presentations/Webinars available in the Back Office

Verbiage and Terms approved:

· Become an Independent Affiliate

· I am an Independent Affiliate of…

· Broker

· Supplemental Revenue Stream

· Purchase Inventory

· Withdrawals

· Inviter

· Team

· Activate

· Panel Cap

· Capital

· Profit

· Consumer

Non-Compliant advertising includes any screen shots, images or self made video's/webinars that are not approved first by Banners Broker International.

Do not use Banners Broker in a Domain Name (URL). Manipulation or misrepresentation of Banners Broker International is unacceptable. Representing Banners Broker International on any web page that has content related to gambling, pornography, online dating, pharmaceuticals, religion or firearms etc., is strictly prohibited. Do not make any guarantees of any kind.

Verbiage/Terms you may not use are:

· Advertising Company

· Member / Reseller

· Liquidations

· Investment/Invest/Investor

· Strategy

· Double/Passive

· Scheme

· Debit card or MasterCard

· Redeem

· Cycler

· Sponsor

· Down line/Up Line

· Panel Mature

You may not make any claims, guarantees or additional offers to entice potential affiliates to sign up IE: free panels etc.

Approved for Business Cards:

Your Business name and Information

Your name

Independent Affiliate

Phone #”s

Email

Skype

Non-Approved for Business Cards

Banners Broker International Logo

Banners Broker International Name

Any Images or Verbiage from Banners Broker International's Website

Please note: Guidelines are subject to change




HEAD OFFICE HOURS OF OPERATION/ CONTACTING 
Banners Broker International If you have any questions about this Privacy Policy or the privacy practices of Banners Broker International in respect of this Website, please direct your inquiry by contacting support and creating a ticket. We will investigate and resolve all complaints or disputes in a timely manner related to the use and disclosure of Consumers’ personal information in accordance to this Privacy Policy and all applicable laws. Affiliates and Customers must at all times behave in a professional manner when dealing with our support staff. Any profanities or verbal abuse may lead to account locking or termination.

Administration is open during regular office hours which are Monday to Friday 9 am to 5 pm EST. Customer Support operates 24 hours per day Sunday through to Thursday 4:00pm -12:00 am EST. No administration work is done on Saturday, Sunday or Statutory Holidays. Office is closed on Saturday and statutory holidays or as otherwise announced.

Banners Broker International Head Office

Physical Address: 35 Barrack Road, Suite #203

Belize City

Belize

Central America




Mailing Address: P.O. Box 1865

Belize City

Belize

Central America

(Head Office is open to the public by appointment only)

Banners Broker International shall not be responsible for delays and failures in performance where performance is commercially impractical due to circumstances beyond the parties’ reasonable control including but not limited to, strikes, labour difficulties, riot, fire, death or curtailment of the parties’ usual source of supply, or governmental decrees and orders.

This is a living document, which means that when circumstances dictate, this document will be updated. When this is done, the latest version will be updated on the Banners Broker website, and the latest version Date will be updated accordingly.




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