POLICIES & PROCEDURES

08-01-2019

 

INTRODUCTION

 

Mutual Commitment Statement;

 

Heart & Body Naturals, LLC, (hereafter as “HBN” and the “Company”) is a wholly owned subsidiary of Green Organics, LLC. Green Organics is the sole owner and licensor of all intellectual property rights utilized by “HBN”. In order to develop a long-term and mutually rewarding relationship with its Business Owners (“Consultants”) and Customers, Heart & Body Naturals, LLC/Green Organics, LLC and Consultants must acknowledge and respect the true nature of the relationship. Consultants agree to engage in a contract with Heart & Body Naturals, LLC, assigning all contract rights specified below to their parent company, Green Organics, LLC.

 

In the spirit of mutual respect and understanding, HBN is committed to: Provide prompt, professional, and courteous service and communications to all of its Consultants and Customers; Provide the highest level of quality products, at fair and reasonable prices; Exchange or refund the purchase price of any product, service or membership as provided in our Return Policy:

 

• Deliver orders promptly and accurately;

• Pay commissions accurately and on a timely basis;

• Expedite orders or checks if an error or unreasonable delay occurs;

• Roll out new products with Consultants input and planning;

• Implement changes in the Incentive Plan or Policies and Procedures that affect Consultants with input from Consultants;

• Support, protect, and defend the integrity of the HBN Opportunity;

• Offer Consultants an opportunity to grow with HBN with such growth guided by the principles of Servant Leadership;

• In return, HBN expects that its Consultant will:

• Conduct in a professional, honest, and considerate manner;

• Present HBN Corporate and product information in an accurate and professional manner;

• Present the Incentive Plan and Return Policy in a complete and accurate manner;

• Not make income claims;

 

Make reasonable effort(s) to support and train Consultants and Customers in their business; Not engage in cross-line recruiting, unhealthy competition, or unethical business practices; Provide positive guidance and training to Consultants and Customers in their business while exercising caution to avoid interference with other organizations. As such, a Consultant is discouraged from providing cross-line training to a Consultant or Customer in a different organization without first obtaining consent of the Consultant’s or Customer’s upline leader;

 

Support, protect, and defend the integrity of the HBN Incentive Plan;

 

Accurately complete and submit the Consultant Agreement and any requested supporting documentation in a timely manner;

 

HBN Policies and Income Opportunity Incorporated into the Consultant Agreement;

 

Throughout these Policies, when the term “Agreement” is used, it collectively refers to the HBN

Consultant Agreement, these Policies and Procedures, and the HBN Incentive Plan.

 

It is the responsibility of the Sponsoring Consultant to provide the most current version of these Policies and Procedures (available on the HBN website, www.HBNaturals.com, and the HBN Incentive Plan to each applicant prior to his, her and/or its execution of a Consultant Agreement.

 

 

Purpose of Policies;

HBN is a direct sales company that markets products and services through a network of sales representatives. To clearly define the relationship that exists between Consultant and HBN, and to explicitly set a standard for acceptable business conduct, HBN has established these Policies and Procedures.

 

HBN Consultants are required to comply with: (i) all of the Terms and Conditions set forth in the Consultant Agreement, which HBN may amend from time to time in its sole discretion; (ii) all federal, state, and/or local laws governing his, her and/or its HBN business; and (iii) these Policies and Procedures.

HBN Consultants must review the information in these Policies and Procedures carefully. Should a Consultant have any questions regarding a policy or rule, the Consultant is encouraged to seek an answer from their Sponsor or any other upline Consultant. If further clarification is needed the Consultant may contact HBN Customer Service.

 

Changes, Amendments, and Modifications;

 

Because federal, state, and local laws, as well as the business environment, periodically change, HBN reserves the right to amend the Agreement and the prices in its HBN Product Price List in its sole and absolute discretion. Notification of amendments shall appear in Official HBN Materials. This provision does NOT apply to the arbitration clause found in Section 13, which can only be modified via mutual consent.

 

Any such amendment, change, or modification shall be effective immediately upon notice by one of the following methods: Posting on the official HBN website; Electronic mail (e-mail); or In writing through the HBN newsletters or other HBN communication channels.

 

Delays;

HBN shall not be responsible for delays or failures in performance of its obligations when such failure is due to circumstances beyond its reasonable control. This includes, without limitation, strikes, labor difficulties, transportation difficulties, customs, riot, war, fire, and/or weather, curtailment of a source of supply, or government decrees or orders.

 

Effective Date;

 

These Policies and Procedures shall become effective as of February 1, 2017, and, at such time, shall automatically supersede any prior Policies and Procedures (the “old Policies and Procedures”), and, on that date, the old Policies and Procedures shall cease to have any force or effect.

 

 

BASIC PRINCIPLES

Becoming a HBN Consultant;

 

To become a Consultant, an applicant must comply with the following requirements:

Be of the age of majority (not a minor) in his or her state of residence;

Reside or have a valid address in the United States or U.S. territory;

Have a valid taxpayer identification number (i.e., Social Security Number, Federal Tax ID Number, etc.);

Submit a properly completed and signed Consultant Agreement to HBN;

 

 

New Consultant Registration;

A potential new Consultant may self-enroll on the Sponsor’s website. In such event, instead of a physically signed Consultant Agreement, HBN will accept the web enrollment and Consultant Agreement by accepting the “Electronic signature” stating the new Consultant has accepted the Terms and Conditions of such Consultant Agreement. Please note that such electronic signature constitutes a legally binding agreement between the Consultant and HBN. HBN reserves the right to require signed paperwork for any account, regardless of origin.

 

If requested the signed Consultant Agreement must be received by HBN within fourteen (14) days of enrollment.

 

Signed documents, including, but not limited to, Consultant personal agreements, are legally binding contracts which must not be altered, tampered with or changed in any manner after they have been signed. False or misleading information, forged signatures or alterations to any document, including business registration forms, made after a document has been signed may lead to sanctions, up to and including involuntary termination of the Consultant’s membership.

 

 

Rights Granted;

HBN hereby grants to the Consultant a non-exclusive right, based upon the Terms and Conditions contained in the Consultant Agreement and these Policies and Procedures, to:

Purchase HBN products and services;

Promote and sell HBN products and services; and

 

Sponsor new Consultants and Customers in the United States and in countries where HBN may become established after the effective date of these Policies and Procedures.

 

Identification Numbers;

Each Consultant is required to provide his or her Social Security Number, or Federal Tax Identification Number, if located in the United States or any of its territories, to HBN on the Consultant Agreement. HBN reserves the right to withhold commission payments from any Consultant who fails to provide such information or who provides false information.

 

Upon enrollment, HBN will provide a HBN Identification Number to the Consultant. This number will be used to place orders, structure organizations, and track commissions and bonuses.

 

Renewals and Expiration of the Consultant Agreement;

 

If the Consultant allows his or her Consultant Agreement to become inactive or to be canceled, the Consultant will lose any and all rights to his, her or its downline organization at the close of the current calendar month.

If the former Consultant re-activates within the calendar month, the Consultant will resume the rank and position held immediately prior to the expiration of the Consultant Agreement. However, such Consultant’s paid as level will not be restored unless he, she and/or an entity qualifies at that payout level in the new month. The Consultant is not eligible to receive commissions for the time period that

the Consultant’s account was inactive.

 

Any Consultant who was terminated is not eligible to re-apply for a HBN business for twelve (12) months following the termination of the Consultant Agreement.

 

Any Consultant whose account is inactive or lapsed for the 60-day grace period may re-apply for a HBN business with the sponsor of their choosing.

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Business Entities;

A corporation, partnership, LLC, or trust (collectively referred to as a “Business Entity”) may apply to be a HBN Consultant. This Consultant business and position will remain temporary until the proper documents are submitted. The Business Entity must submit one of the following documents: Certificate of Incorporation, Articles of Organization, Partnership Agreement or appropriate Trust documents. HBN must receive these documents within fourteen (14) days from the date the Consultant Agreement was signed.

 

A HBN Consultant may change their status under the same Sponsor from an individual to a partnership, LLC, corporation, trust or from one type of business entity to another.

 

Independent Business Relationship; Indemnification for Actions;

The HBN Consultant is an independent contractor, and not a purchaser of a franchise or

business opportunity. Therefore, each Consultant’s success depends on his or her independent efforts.

The Agreement between HBN and its Consultant does not create an employer/employee relationship, agency, partnership, or joint venture between HBN and the Consultant.

 

A HBN Consultant shall not be treated as an employee of HBN for any purposes, including, without limitation, for federal or state tax purposes. All Consultants are responsible for paying local, state, and federal taxes due from all compensation earned as a Consultant of HBN. Any other compensation received by Consultant from HBN will be governed by applicable U.S. tax laws (or the tax laws of any other applicable jurisdiction). The Consultant has no express or implied authority to bind HBN to any obligation or to make any commitments by or on behalf of HBN. Each Consultant, whether acting as management of a Business Entity or represented as an individual, shall establish his or her own goals, hours, and methods of operation and sale, so long as he or she complies with the Terms of the Consultant Agreement, these Policies and Procedures and applicable State, Federal and Provincial laws.

 

The HBN Consultant is fully responsible for all of his or her verbal and written communications made regarding HBN products, services, and the Income Opportunity that are not expressly contained within official HBN materials. Consultant shall indemnify and hold harmless HBN, its directors, officers,

employees, product suppliers and agents from any and against all liability including judgments, civil penalties, refunds, attorney fees and court costs incurred by HBN as a result of the Consultant’s unauthorized representations or actions. This Provision shall survive the termination of the HBN Consultant Agreement.

 

Insurance;

A. Business Pursuits Coverage. HBN encourages Consultant to arrange insurance coverage for their business. A homeowner’s insurance policy does not cover business related injuries, or the theft of, or damage to, inventory or business equipment. HBN Consultant need to contact their insurance agent to make certain their business property is protected. In most instances, this may be accomplished with a “Business Pursuit” endorsement to an existing homeowner’s policy.

 

Errors or Questions;

A. If a Consultant has questions about, or believes any errors have been made regarding commissions, bonuses, business reports, orders, or charges, the Consultant must notify HBN in writing within thirty (30) days of the date of the error or incident in question. Any such errors, omissions or problems not reported within 30 days shall be deemed waived by the Consultant.

 

 

HBN’S CONSULTANT RESPONSIBILITIES

 

Correct Addresses;

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

 

A Consultant or Customer will need to allow up to thirty (30) days for processing after the notice of address change has been received by HBN.

 

A Consultant or Customer may be assessed a $20 fee for returned shipments due to an incorrect shipping address.

 

Training and Leadership;

Any HBN Consultant who Sponsors another Consultant into HBN must perform an authentic assistance and training function to ensure his or her downline is properly operating his or her HBN business. Sponsoring Consultant should have ongoing contact and communication with the Consultant in their downline organizations. Examples of communication may include, but are not limited to, newsletters, written correspondence, telephone, contact, team calls, voice-mail, e-mail, personal meetings, accompaniment of downline Consultant to HBN meetings, training sessions and any other related functions.

 

A Sponsoring HBN Consultant should monitor the Consultant in his or her downline organizations to ensure that downline Consultant do not make improper product or business claims, or

engage in any illegal or inappropriate conduct. Upon request, such Consultant should be able to provide documented evidence to HBN of his or her ongoing fulfillment of the responsibilities of a Sponsor.

Upline Consultant are encouraged to motivate and train new Consultant about HBN’s products and services, effective sales techniques, the HBN Incentive Plan and compliance with company Policies and Procedures.

 

Selling product is a required activity in HBN and must be emphasized in all recruiting presentations.

We emphasize and encourage all Consultants to sell HBN’s products to Customers.

 

Use of Sales Aids to promote both the products and the opportunity HBN offers, Consultants must use the sales aids and support materials produced by HBN. If HBN Consultant develop their own sales aids and promotional materials, which includes Internet advertising, notwithstanding Consultant’ good intentions, they may unintentionally violate any number of statutes or regulations affecting the HBN business. These violations, although they may be relatively few in numbers, could jeopardize the HBN opportunity for all Consultants. Accordingly, Consultant must submit all written sales aids, promotional materials, advertisements, websites and other literature to the Company for Company’s approval prior to use. Unless the Consultant receives specific written approval to use the material, the request shall be deemed denied. All Consultants shall safeguard and promote the good reputation of HBN and its products. The marketing and promotion of HBN, the HBN opportunity, the Income

Opportunity, and HBN products and services shall be consistent with the public interest, and must avoid all discourteous, deceptive, misleading, unethical or immoral conduct or practices.

 

Constructive Criticism; Ethics;

HBN desires to provide its independent Consultants with the best products and services and Income Opportunity in the industry. Accordingly, HBN values constructive criticism and encourages the submission of written comments addressed to HBN Compliance Department.

 

Negative and disparaging comments about HBN, its products or Incentive Plan, by Consultants made to HBN, in the Field, or at HBN meetings or events, or disruptive behavior at HBN meetings or events, serve no purpose other than to dampen the enthusiasm of other HBN Consultants. HBN Consultants must not belittle HBN, other HBN Consultants, HBN products or services, the Income Opportunity, or HBN directors, officers, or employees, product suppliers or agents. Such conduct represents a material breach of these Policies and Procedures and may be subject to sanctions as deemed appropriate by HBN.

 

HBN endorses the following code of ethics:

A HBN Consultant must show fairness, tolerance, and respect to all people associated with HBN, regardless of race, gender, social class or religion, thereby fostering a “positive

atmosphere” of teamwork, good morale and community spirit.

 

A Consultant shall strive to resolve business issues, including situations with upline and downline Consultant, by emphasizing tact, sensitivity, good will and taking care not to create additional problems.

 

HBN Consultants must be honest, responsible, professional, and conduct themselves with integrity.

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HBN Consultants shall not make disparaging statements about HBN, other Consultants, HBN employees, product suppliers or agents, products, services, sales and marketing campaigns, or the Incentive Plan, or make statements that unreasonably offend, mislead or coerce others.

 

HBN may take appropriate action against a Consultant if it determines, at the discretion of the compliance department, that a Consultant’s conduct is detrimental, disruptive, or injurious to HBN or to other Consultants.

 

Reporting Policy Violation;

A Consultant who observes a policy violation by another Consultant should submit a written and signed letter (e-mail will not be accepted) of the violation directly to the HBN Corporate office. The letter shall set forth the details of the incident as follows:

The nature of the violation;

Specific facts to support the allegations;

Dates;

Number of occurrences;

Persons involved; and

Supporting documentation

 

Once the matter has been presented to HBN, it will be researched thoroughly by the Compliance Department and appropriate action will be taken if required.

 

This section refers to the general reporting of Policy violations as observed by other Consultants for the mutual effort to support, protect, and defend the integrity of the HBN business and opportunity. If a Consultant has a grievance or complaint against another Consultant which directly relates to his or her HBN business, the Procedures set forth in these Policies must be followed.

 

Sponsorship;

The Sponsor is the person who introduces a Consultant or Customer to HBN, helps them complete their enrollment, and supports and trains those in their downline.

HBN recognizes the Sponsor as the name(s) shown on the first:

Physically signed HBN Consultant Agreement on file; or Electronically signed Consultant Agreement from a website or a HBN Consultant website.

 

A Consultant Agreement that contains notations such as “by phone” or the signatures of other

individuals (i.e., Sponsors, Spouses, relatives, or friends) is not valid and will not be accepted by HBN.

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

Personally Sponsored Consultants that are referred by or gifted to a Consultant by HBN, may be re-acquired by HBN/Green Organics, LLC at the discretion of HBN/Green Organics, LLC.

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Cross Sponsoring Prohibition;

“Cross sponsoring” is defined as the enrollment into a different line of sponsorship of an individual, or Business Entity, that already has a signed Consultant Agreement. Actual or attempted cross sponsoring is not allowed. If cross sponsoring is verified by HBN, sanctions up to and including termination of a Consultant’s membership may be imposed.

 

The use of a Spouse’s or relatives name, trade names, assumed names, DBA names, corporation, partnership, trust, Federal ID numbers, or fictitious ID numbers to evade or circumvent this Policy is not permitted.

 

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

 

​Adherence to the HBN Incentive Plan;

A Consultant must adhere to the Terms of the HBN Incentive Plan as set forth in these Policies and Procedures as well as in official HBN literature. Deviation from the Incentive Plan is prohibited.

 

A Consultant shall not offer the HBN Incentive Plan through, or in combination with, any other system, program, or method of marketing other than that specifically set forth in official HBN literature.

 

A Consultant shall not require or encourage a current or prospective Customer or Consultant to participate in HBN in any manner that varies from the Incentive Plan as set forth in official HBN literature.

 

A Consultant shall not require or encourage a current or prospective Customer or Consultant to make a purchase from or payment to any individual or other entity as a condition to participating in the HBN Incentive Plan, other than such purchases or payments required to naturally build their business.

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Adherence to Laws and Ordinances;

Many cities and counties have laws regulating certain home-based businesses. In most cases, these ordinances do not apply to Consultant because of the nature of the business. However, Consultants must check their local laws and obey the laws that do apply to them.

 

A HBN Consultant shall comply with all federal, state, and local laws and regulations in their conduct of his or her HBN business.

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Compliance with Applicable Income Tax Laws;

HBN will provide a complete 1099 Miscellaneous Income Tax form (non-employee compensation) to each US Consultant whose earnings for the year is at least $600 or who has purchased more than $5,000 of HBN products for resale, or who received trips, prizes or awards valued at $600 or more. If earnings and purchases are less than stated above, IRS forms will be sent only at the request of the Consultant, and a minimum charge of $20 may be assessed by HBN.

 

A Consultant accepts sole responsibility for and agrees to pay all federal, state, and local taxes on any income generated as an independent Consultant, and further agrees to indemnify HBN from any failure to pay such tax amounts when due.

 

If a Consultant’s business is tax exempt, the Federal Tax Identification number must be provided to HBN in writing.

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One HBN Business per Consultant;

A. A Consultant may operate or have an ownership interest, legal or equitable, as a sole proprietorship, partner, shareholder, trustee, or beneficiary, in only one (1) HBN business. No individual may have, operate or receive compensation from more than one HBN businesses.

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Actions of Household Members or Affiliated Parties;

A. If any member of a Consultant’s immediate household engages in any activity which, if performed by the Consultant, would violate any provision of the Agreement, such activity will be deemed a violation by the Consultant and HBN may take action pursuant to these Policies and Procedures against the Consultant. Similarly, if any individual associated in any way with a corporation, partnership, LLC, trust or other entity (collectively “Business Entity”) violates the Agreement, such action(s) will be deemed a violation by the Business Entity, and HBN may take action against the Business Entity. Likewise, if a Consultant enrolls in HBN as a Business Entity, each Affiliated Party of the Business Entity shall be personally and individually bound to, and must comply with, the Terms and Conditions of the Agreement.

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No Violation of Previous Agreement;

A. You agree that you are not currently in material breach of, and will not during the term of this Agreement be in material breach of, any other contract, obligation, or covenant that would affect your

ability to perform hereunder, and as a result of entering into this Agreement, will not materially breach any contract, obligation or covenant (such as a covenant not to compete located in a prior agreement).

 

​Solicitation for Other Companies or Products;

A HBN Consultant may participate in other direct sales, multilevel, or network marketing business ventures or marketing opportunities. However, during the Term of this Agreement and for one

(1) year thereafter, a HBN Consultant may not recruit any HBN Consultant or Customer for any other direct sales or network marketing business.

 

The term “recruit” means actual or attempted solicitation, enrollment, encouragement, or effort to influence in any other way (either directly or through a third party), another Consultant or Customer to enroll or participate in any direct sales or network marketing opportunity. This conduct represents

recruiting even if the Consultant’s actions are in response to an inquiry made by another Consultant or

Customer.

 

During the term of this Agreement and for a period of six (6) months thereafter, any HBN Consultant must not sell, or entice others to sell, any competing products or services, including training materials, to HBN Customers or Consultant. Any product or service in the same category as a HBN product or service is deemed to be competing (i.e., any competing product or service regardless of differences in cost or quality. This provision does not apply where professional services are the primary source of revenue and the product sales are secondary (e.g., doctor’s offices, clinics, health clubs, spas, and beauty salons).

 

However, a Consultant may sell non-competing products or services to HBN Customers and Consultant that they personally sponsored.

 

A HBN Consultant may not offer any non-HBN opportunity; products or services at any HBN related meeting, seminar or convention, or immediately following a HBN event.

 

A Consultant may not display or bundle HBN products or services, in sales literature, on a website or in sales meetings, with any other products or services to avoid confusing or misleading a prospective Customer or Consultant into believing there is a relationship between the HBN and non- HBN products and services.

 

A violation of any of the provisions in this section shall constitute unreasonable and unwarranted contractual interference between HBN and its Consultant and would inflict irreparable harm on HBN. In such event, HBN may, at the discretion of the compliance department, impose any sanction it deems necessary and appropriate against such Consultant or such Consultant’s including termination, or seek immediate injunctive relief without the necessity of posting a bond.

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Presentation of the HBN Incentive Plan;

In presenting the HBN Incentive Plan to potential Customers and Consultants, a Consultant is required to comply with the following provisions:

A Consultant shall not misquote or omit any significant material fact about the Incentive Plan.

A Consultant shall make it clear that the Incentive Plan is based upon sales of HBN products and services.

 

​A Consultant shall make it clear that success can be achieved only through substantial independent efforts.

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A HBN Consultant shall not make unauthorized income projections, claims, or guarantees while presenting or discussing the HBN Incentive Plan to prospective Consultants or Customers.

 

​A Consultant may not make any claims regarding products or services of any products offered by HBN, except those contained in official HBN literature.

 

A Consultant may not use official HBN material to promote the HBN opportunity in any

country where HBN has not established a “presence.”

 

​In an effort to conduct best business practices, HBN has developed the Income Disclosure Statement (“IDS”). The HBN IDS is designed to convey truthful, timely, and comprehensive information regarding the income that HBN Consultants earn. In order to accomplish this objective, a copy of the IDS must be presented to all prospective Consultants. A copy of the IDS must be presented to a prospective Consultant anytime the Incentive Plan is presented or discussed, or any type of income claim or earnings representation is made.

 

1.  

The terms “income claim” and/or “earnings representation” (collectively “income claim”) include;

1) Statements of average earnings, (2) statements of non-average earnings, (3) statements of earnings ranges, (4) income testimonials, (5) lifestyle claims, and (6) hypothetical claims. Examples of “statements of non-average earnings” include, “Our number one Consultant earned over a million dollars last year” or “Our average ranking Consultant makes five thousand per month.” An example of a “statement of earnings ranges” is “The monthly income for our higher-ranking Consultant is ten thousand dollars on the low end to thirty thousand dollars a month on the high end.”

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Sales Requirements Are Governed by the Income Opportunity;

HBN Consultant may purchase HBN products and then re-sell them at any price they choose unless otherwise specified by HBN or by any/its product suppliers on a per product basis. HBN will provide suggested selling prices. There are no exclusive territories granted to anyone. No franchise fees are applicable to a HBN business.

The HBN Incentive Plan is built on sales to the ultimate consumer. HBN encourages its Consultant to only purchase inventory that they and their family will personally consume, will be used as a sales tool, or will be resold to others for their ultimate consumption. Consultants must never attempt to influence any other Consultant to buy more products than they can reasonably use or sell to retail Customers in a month.

 

Each HBN Consultant commits to personally use, sell, or use in business building at least 70% of every order placed with the Company prior to placing another order, and must be able to certify to such if demanded by the Company or by any regulatory agency.

 

Purchasing product under a Consultants account solely for the purpose of collecting bonuses or achieving rank is prohibited. HBN retains the right to limit the amount of purchases you may make if, in our sole judgment, we believe those purchases are being made solely for qualification purposes instead of for consumption or resale.

 

1.  

ORDERING

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General Order Policies;

“Bonus Buying” is strictly and absolutely prohibited. Bonus Buying includes; (a) the enrollment of individuals or entities without the knowledge of and/or execution of an agreement by such individuals or Business Entities; (b) the fraudulent enrollment of an individual or entity as a Consultant or Customer;(c) the enrollment or attempted enrollment of non-existent individuals or Business Entities as Consultant or Customers (“phantoms”); (d) purchasing HBN products or services on behalf of another Consultant or Customer, or under another Consultant’s or Customer’s ID number, to qualify for commissions or bonuses;(e) purchasing excessive amounts of products or services that cannot reasonably be used or resold in a month; and/or (f) any other mechanism or artifice to qualify for rank advancement, incentives, prizes, commissions, or bonuses that is not driven by bona fide product or service purchases by end user consumers. A Consultant shall not use another Consultant’s or Customer’s credit card or debit checking account to enroll in HBN or purchase products or services without the account holder’s written permission. Such documentation must be kept by the Consultant indefinitely in case HBN needs to reference this.

 

If a Consultant wants to move an order to another Consultant’s position, he or she must have

prior authorization, of all parties involved. HBN will charge the Consultant a $20 fee for processing.

Prices are subject to change without notice.

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A Consultant or Customer who is a recipient of a damaged or incorrect order must notify HBN within 

thirty (30) calendar days from receipt of the order and follow the Procedures as set forth in these Policies.

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