Terms of Use for ProFinancialGroup.com: Read Them

Thank you for visiting ProFinancialGroup.com (the "Site"). This Site is powered by Pro Financial Group, Corp. and made available by Pro Financial Group, Corp. as a service. All content, information and services provided on and through our Site may be used only in accordance with the following terms and conditions, as amended from time to time (the "Terms"). The terms "our" and "we" used herein refer to both Pro Financial Group, Corp. and Pro Group Financial, Inc.

YOUR USE OF OUR SITE CONSTITUTES YOUR AGREEMENT TO BE BOUND BY THESE TERMS. READ THEM CAREFULLY BEFORE USING THE SITE. IF YOU ARE A CURRENT OR FORMER AGENT OR USE OUR SITE TO REGISTER AS AN AGENT, YOU ARE ALSO BOUND BY THE AGENT AGREEMENT AS DEFINED THEREIN. FOR THE AVOIDANCE OF DOUBT, IN THE EVENT OF A CONFLICT OR INCONSISTENCY BETWEEN THE TERMS OF USE OF OUR SITE AND THE AGENT AGREEMENT, THE AGENT AGREEMENT SHALL GOVERN AND APPLY.

1. GENERAL USE OF THE SITE

   
   

   1. Your License of Use

      You are granted a limited, non-exclusive, non-transferable license to access the Site and its content in accordance with these Terms. If you are under the age of 18, you may use our Site only under the supervision of an adult or guardian. Our Site is based in the United States and contains information appropriate for access and use in the United States. We make no representation that any material on the Site is appropriate or available for use outside of Applicable Markets, and access to it from territories where its content is illegal is strictly prohibited. Any references on the Site to specific services or products apply only to those available in the Applicable Markets, and any statements and comparisons with other products on the Site apply only within the Applicable Markets. Those who access the Site from other locations do so on their own initiative and are responsible for compliance with local laws, such as laws regarding the transmission of technical data exported from the United States or the territory in which they reside.

      
      

      We reserve the right to deny service at our sole discretion and without notice. You are fully responsible for your use of the Site and you agree to indemnify, hold harmless, and defend us from any claim, damage, loss, liability, cost, and expense, including attorneys' fees, resulting from your use or misuse of this Site.

      Post or transmit any unlawful, infringing, threatening, defamatory, obscene, indecent, inflammatory, pornographic, or profane material, or any material that could be considered or promotes conduct that could be considered a criminal offense, give rise to civil liability, or otherwise violate any law, is strictly prohibited.

      
      

   2. Personal Use Limit

      No material from our Site may be copied, reproduced, republished, downloaded, posted, posted, transmitted, or distributed in any way, without the prior written permission of Pro Financial Group, Corp. except to the extent that you may download one copy of the materials on a

      single computer for personal, home, non-commercial use, provided that (i) you keep intact all copyright and other proprietary notices and (ii) you do not modify the materials. You may not, without our prior written permission, frame or mirror any material contained on this Site on any other server. Unauthorized use of any of these materials on any other Web site or computer environment is expressly prohibited. All trademarks, service marks, trade names and trade dress are the property of Pro Financial Group, Corp.

      
      

   3. Privacy And Your Personal Information

      Your personal use of our Site is also subject to the terms of our Privacy Statement. You acknowledge that you have read and understand our Privacy Statement and consent to the use of any personal information you provide in accordance with the terms of and for the purpose set forth in our Privacy Statement.

      
      

   4. Site Identifiers

      It is your responsibility to save the password you use to access our Site, and to notify Pro Financial Group, Corp. as soon as possible, if you ever suspect that your password has been compromised. We recommend that you change your password regularly to prevent unauthorized access. Because your identification number and password are specific to you, you acknowledge that any use of our site made under your identification number and password is your sole responsibility.

      
      

   5. Links to other Websites

      Our Site contains links to other Web sites for your information and convenience, or to provide additional shopping information for other goods and services through our Partner Services and Stores. These third-party Web sites are responsible for, and agree to abide by, their own terms of use for the site. We suggest that you carefully review the terms of use of each site you decide to access from our Site.

      
      

   6. Intellectual Property Rights

      1. Copyright

         The design of the Site, the texts, the content, the selection and placement of elements, the organization, graphics, compilation, magnetic translation, digital conversion and other elements related to the Site are protected by copyright laws, ALL RIGHTS RESERVED . The posting of any of these items on the Site does not constitute a waiver of any rights in such items. You do not obtain ownership rights to any such items viewed through the Site. Except as otherwise noted herein, none of these items may be used, copied, reproduced, downloaded, posted, displayed, transmitted, modified, or distributed in any form or by any means, including, without limitation, electronic, mechanical, photocopying. recording, or otherwise, without the prior written permission of Pro Financial Group, Corp.

         
         

      2. Registered Trademark

         Unless otherwise noted, Pro Financial Group, Corp., the Pro Financial Group, Corp. logo, and all product names, trade names, and all other trademarks and logos are trademarks or trade dress of Pro Financial Group, Corp.

         in the US, or its affiliates or other companies jointly owned or controlled, or their licensors (the “Marks”). The use or misuse of any Marks or any other material contained on the Site, without the prior written permission of their owner, is strictly prohibited.

         
         

   7. Termination

      These Terms will be effective until terminated by Pro Financial Group, Corp. Your rights under these Terms will automatically terminate if you fail to comply with any of the terms.

      
      

2. CONTENT POSTED BY USERS

   1. Contents

      
      

      1. All information, data, text, software, music, sounds, photographs, graphics, video, messages, products, services and other materials ("Content") posted to the Site by users, including you, are the sole responsibility of the person who posted. the content. This means that you, and not us, are solely responsible for all Content that you upload, post, transmit or otherwise make available through or on the Site. You are solely responsible for all Content posted under your user account. You represent and warrant that

         (i) you own or otherwise control all of the rights in and to the content you post;

         (ii) the content is accurate; (iii) use of the Content you supply does not violate these Terms;

         (iv) the Content does not infringe, violate or interfere with any intellectual property or other rights of any third party and does not violate any applicable law or regulation; (v) the Content will not cause harm to any person or entity.

         
         

      2. In case the Content is considered illegal we will cooperate with the appropriate authorities, including, without limitation, the provision of all necessary information.

         
         

      3. If we determine, in our sole discretion, that any Content you post is offensive or inappropriate, we may immediately remove it or require you to remove or amend the Content in question. If you fail to comply with our request within the specified time, we may remove the Content. We are under no obligation, however, to restrict or monitor Content in any way.

         
         

      4. You may see or read things on our Site that you do not like or agree with. You understand that by using our Site, you may be exposed to Content that is offensive, indecent or objectionable.

         
         

      5. Under no circumstances shall we be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted. , transmitted or otherwise made available through the Site.

         
         

      6. We do not control the Content posted on or through the Site by third parties and therefore do not guarantee the accuracy, integrity or quality of such Content. you are exclusively

         responsible for any use of or reliance on the Content, including as to its accuracy, completeness, or usefulness.

         
         

      7. You acknowledge that we are under no obligation to pre-screen Content, but that we and our representatives shall have the right (but not the obligation), in our sole discretion, to refuse or remove any Content that is available through the Site. Without limiting the foregoing, we and our representatives shall have the right to remove any Content that violates these Terms or any other ProFinancialGroup.com policy or is otherwise objectionable in our sole discretion.

         
         

      8. Any material, information, or idea that you submit to us or the Site by any means may be propagated or used by us without compensation or liability to you for any reason, including, without limitation, product development, manufacturing, and marketing. We are under no obligation to keep any entry confidential, return any material you submit to us, or compensate you for the use of any such material under any circumstances. You hereby irrevocably waive any and all claims based on our use of any materials, ideas or information you submit to us.

         
         

      9. We reserve the right to monitor compliance with these Terms in some, all, or none of the areas of the Site. You agree that, by providing you with the ability to post information on the Site, we are acting as a passive conduit for distribution and are not accepting any obligation or liability related to any posting or activities on the Site.

         
         

   2. Content License. We do not assume ownership of the Content you upload, post or post through the Site. You are responsible for protecting your rights to such Content and you are not entitled to receive our help in protecting such Content. By uploading, posting or posting Content through the Site, you grant us a perpetual, irrevocable, royalty-free, non-exclusive and completely non-transferable license under any intellectual property or other rights, including without limitation, privacy and publicity, use, distribution , reproduction, modification, adaptation, translation, public performance, public display, exploitation, creation of derivative works of the Content (in whole or in part), and incorporation of such Content into other works in any format or medium now known or later developed , for any purpose associated with the Site. You grant us and our sublicensees the right to use the name you submit in connection with such Content, if we choose. You thereby irrevocably waive any claims of "moral rights" and similar theories, if any. Please note, however, that certain activities (for example, contests) that involve the submission of Content by you may have terms applicable to your Content that are different from the above. In the event such terms differ from these terms, such terms will control and take precedence over these terms in relation to your Content.

      
      

3. YOUR CONDUCT

   1. Your Authorization to Use this Site. Your permission to use and contribute to the Site is contingent on your compliance with the Community Guidelines and Privacy Policy.

      conduct set forth below. If you do not behave accordingly, we may revoke your privileges to use all or part of the Site and/or take appropriate action to enforce our community guidelines and rules of conduct.

      
      

   2. Guidelines of Conduct/Community Standards. Below is a non-inclusive list of behaviors that are not permitted on this Site. You agree not to do the following:

      
      

      1. upload, post, transmit or otherwise make available Content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of the privacy of others (including, but not limited to, addresses, emails, phone numbers or any other contact information without the written consent of the owner of such information), which promotes hate, xenophobia or is otherwise objectionable;

         
         

      2. cause harm to minors in any way;

         
         

      3. impersonate any person or entity, including, without limitation, any of our members, company officers, directors, shareholders, agents, representatives, or users, or falsely state, or otherwise misrepresent, your affiliation with a person or entity ;

         
         

      4. falsify letterhead or otherwise manipulate identifiers to disguise the origin of any content posted, transmitted, or otherwise made available through the Site;

         
         

      5. upload, post, or otherwise transmit any Content that you do not have a right to upload, post, or transmit under law or under contractual or fiduciary relationships (such as inside, protected, and confidential information accessed or disclosed as part of labor relations or under confidentiality agreements);

         
         

      6. upload, post or otherwise transmit any Content or otherwise engage in activities that infringe, violate or interfere with the patents, trademarks, trade secrets, copyrights, rights of privacy or publicity or other proprietary rights of any party;

         
         

      7. upload, post or otherwise transmit "spam" or unsolicited commercial email. This includes unethical marketing, advertising, "chain letters" or any other practice in any way connected with "spam" such as (a) sending bulk email to recipients who have not requested the emails or with a false address, (b) promoting a site with inappropriate links, titles or descriptions, or (c) promoting your site by posting multiple submissions on public forums that are identical;

         
         

      8. upload, post or otherwise transmit any material that contains application viruses, Trojan horses, malware or any other computer code, files or programs designed to

         alter, destroy or limit the functionality of any computer software or hardware or telecommunications equipment, or intercept messages sent from a computer or communication device;

         
         

      9. interfere with or create problems with the Site, servers or networks connected to the site, or disobey any requirements, procedures, policies or rules of networks connected to the Site;

         
         

      10. intentionally or unintentionally violate applicable local, state, national, or international laws, including, without limitation, regulations promulgated by the United States Securities and Exchange Commission, the rules of any national stock exchange, or otherwise, that include, but are not limited to, the New York Stock Exchange, the United States Stock Exchange or NASDAQ and any regulations having the force of law;

          
          

      11. "stalk" or otherwise harass a person;

          
          

      12. promote or provide instructive information about illegal activities, encourage physical harm or injury against any group or person, or encourage any act of cruelty against animals. This may include, without limitation, providing instructions on how to assemble bombs, grenades, and other weapons or incendiary devices;

          
          

      13. offer for sale or sell any item, merchandise or service through our Site

          
          

      14. use the Site as a delivery service to another website;

          
          

      15. allow third parties to use it in a way that violates these Terms or any other policy of profinancialgroup.com

          
          

      16. take steps to interfere with or compromise our security measures in any way;

          
          

      17. use the site for fraudulent purposes;

          
          

      18. collect or harvest any information about other Account holders, including, but not limited to, personal information or data;

          
          

      19. sell, lease, rent, trade, sublicense, assign, transfer or in any way grant rights to your Account or password, including without limitation through the use of any third party website or service;

          
          

      20. copy the Site or any portion thereof (other than as provided under United States copyright laws);

          
          

      21. remove any proprietary information notices from the Site;

          
          

      22. cause, allow or authorize the modification, creation of derivative works or translation

          from the Site without our express consent;

          
          

      23. sell, assign, rent, lease, broker, or otherwise confer rights in connection with the Site, including, without limitation, granting sublicenses to any other person or entity;

          
          

      24. attempt to decompile, reverse engineer, disassemble, modify, or illegally access the Site or disable or hijack any encryption or digital rights management technology we have implemented with respect to the Site or information that the Site or we transmit, process, or we store;

          
          

      25. use the Application in any manner not permitted by this policy or in any way exceed the scope of our services for which you registered (ie, access and use tools to which you are not entitled).

          
          

4. SITE WARRANTY DISCLAIMER AND INDEMNIFICATION

   OUR SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND THOSE ARISING BY STATUTORY OR OTHERWISE BY LAW OR OF BUSINESS PRACTICES. WE MAKE NO REPRESENTATIONS OR WARRANTIES, WHATSOEVER, REGARDING THE COMPLETENESS, ACCURACY, CORRECTNESS, COMPLETENESS, RELIABILITY, CURRENCY, ADEQUACY, FITNESS, FUNCTIONALITY, AVAILABILITY OR OPERATION OF THIS SITE OR THE CONTENT OR SERVICES PROVIDED ON OR ACCESSIBLE FROM THIS SITE HE. WE DO NOT WARRANT THAT THE OPERATION OF THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT THIS SITE IS FREE OF VIRUSES OR OTHER COMPONENTS THAT ARE HARMFUL TO EQUIPMENT OR SOFTWARE.

   
   

   You agree to indemnify and hold Pro Financial Group, and its parent, subsidiaries, affiliates, officers, agents, co-brand partners, licensors and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third-party due to or arising out of your Content, your use of this Site, your connection to the Site, your violation of these Terms or any other applicable policies, your violation of the rights of any other, or breach of any representation or warranty by you under these Terms, whether you are a registered user or not. You are solely responsible for your actions when using the Site, including, but not limited to, costs incurred for Internet access.

   
   

5. LIMITATION OF LIABILITY

   UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE, NOR ASSUME LIABILITY, FOR ANY DIRECT, INDIRECT, SPECIAL,

   INCIDENTAL OR CONSEQUENTIAL ARISING OUT OF OR IN CONNECTION WITH THE USE OR INABILITY TO USE THIS SITE (OR THE CONTENT OR SERVICES PROVIDED ON OR ACCESSIBLE FROM THIS SITE), OR OTHERWISE, EVEN IF WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

   
   

   If, notwithstanding other provisions of these Terms, Pro Financial Group is found liable to you for any damage or loss whatsoever arising out of or in any way related to your use of the Site or any Content, the liability of Pro Financial Group in no case will it exceed US$100.00. Some jurisdictions do not allow limitations of liability, so the above limitations may not apply to you.

   
   

6. PRODUCT WARRANTIES

   Detailed information regarding applicable product warranties can be obtained on this Site, or by contacting us as described in the "Contact Us" section, and we will assist you.

   
   

7. CONFIDENTIALITY

   For Agents with a business run by Pro Financial Group, Corp., your user license includes a revocable right to access and use certain confidential, proprietary, and trade secret business information, including, but not limited to, Line of Sponsorship (LOS) information, that is, information that Pro Financial Group, Corp. has collected and that discloses or relates to some or all of the specific sponsorship arrangements within the Plan of Independent Business Owners, including, but not limited to, Business Owner lists, sponsorship trees, and all business performance and Business Owner contact information generated therefrom (Inside Information) that you may access through the Site. You acknowledge that Pro Financial Group, Corp. is the sole owner of all Proprietary Information and you agree to hold all Proprietary Information in the strictest confidence and to use it only as authorized by Pro Financial Group. You agree not to collect, access, list, or otherwise use Proprietary Information except as authorized by Pro Financial Group, Corp. under the Agent Rules of Conduct and the rules and procedures outlined in the Agent Agreement.

   
   

8. GENERAL TERMS

   1. Bugs And Fixes

      Although we make reasonable efforts to include correct and up-to-date information on our Site, we do not warrant or represent that this Site will be error-free. Data entry errors and other technical issues can, on occasion, result in information being displayed incorrectly. We reserve the right to correct inaccuracies or typographical errors on our Site, including prices and availability of products and services, and will not be responsible for such errors. We may also make improvements and/or changes to the features, functionality, and content of the Site at any time. If you see any information or description that you think is incorrect, please contact

      us as described in the "Contact Us" section below, and we'll verify for you.

      
      

   2. Applicable Laws And Jurisdiction

      Except to the extent the Agent Agreement applies, these Terms are governed by and construed in accordance with the laws of the State of North Carolina (without regard to its conflicts of laws principles), and you hereby consent to the exclusive jurisdiction of the state or federal courts of the State of North Carolina to adjudicate any dispute arising under or in connection with this Agreement. Any controversy or dispute arising out of your use of our Site will be brought before the Circuit Court of Mecklenburg County, North Carolina. You waive any objection based on inconvenient forum. If any provision of these Terms is found to be unlawful, invalid, or for any reason unenforceable, then that provision will be deemed deleted and will not affect the validity or enforceability of any other remaining provision.

      
      

   3. Changes To These Terms

      We reserve the right, at our sole discretion, to change these Terms at any time. Updated versions of these Terms will be posted here on our Site and are effective immediately. The latest version date is posted below. Please check back often, especially before using the Site, to see if these Terms have changed. Your continued use of the Site following any changes to the Terms constitutes your consent to such changes.

      
      

   4. Contact us

      If you have any concerns about the Site or these Terms, please email or call us at the number below: We will make reasonable efforts to address your concerns and remedy any issues you bring to our attention.

      Contact us or call 800-624-1962

      
      

   5. Notice and Procedure for Claims of Intellectual Property Infringement

Pro Financial Group, Corp. respects the intellectual property rights of others and expects its users to do the same. Pro Financial Group, Corp. may remove content that, in its sole discretion, appears to violate the rights of others.

If you believe that any content posted on Pro Financial Group, Corp. violates your intellectual property rights, please notify Pro Financial Group, Corp.'s Intellectual Property Agent by following the instructions:

Notices of alleged infringement should be sent to the following Designated Agent for this site:

Pro Financial Group, Corp.

3440 Toringdon Way, Suite 205, Charlotte, NC, 28277

To be effective, the notice must be a written communication to the Designated Agent above, including the following:

A physical or electronic signature of the owner of the intellectual property rights or a person authorized to act on their behalf;

Identification of the rights that are claimed to have been infringed, or, if there are multiple rights infringed on a single online site included in one notification only, a list of the multiple rights that have been infringed on that site;

Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to it is disabled, and information reasonably sufficient to permit the service provider to locate and remove the material;

Information allowing the service provider to communicate with the complaining party, such as an address, telephone number and, if available, an email address through which the complaining party can be reached;

A statement that the complaining party has a good faith knowledge that use of the material is not authorized by the copyright owner, its agent, or the law; and a statement that the information in the notification is correct, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of the right that is allegedly infringed.

Updated and current as of January 20, 2023. Copyright ©2023 Pro Financial Group, Corp.

All rights reserved. Rules of conduct Back to the start Introduction

Definitions Becoming an Agent

Responsibilities and Obligations Presentation of the Plan, Sponsorship and Support Maintenance of Sponsorship Lines Business Support Materials

Trademarks and Works Protected by Reproduction Rights

Enforcement of the Agent Agreement (Remedies in Case of Breach) Modification of the Agent Agreement

Dispute Resolution Procedures

INTRODUCTION

The Rules of Conduct (“Rules”) are an important part of the agreement between Pro Financial Group, Corp. and the Agent (the “Agent Agreement”). The Rules have been carefully

developed in consultation with our legal department, and have been implemented after informing Agents and evaluating their comments.

Agents own and operate their own Independent Businesses (“IBOs”). Pro Financial Group, Corp. recognizes the value of the contributions that Agents who have achieved business goals can make to the development of other Agents whom they sponsor and support under the Rules. As Agents develop into established leaders, they play an increasingly important role in advising, educating, and training other Agents about the business of Pro Financial Group, Corp. Among other things, the Rules were designed to ensure that all Agents have the support they need to continue the development of their agents with Pro Financial Group, Corp.

Under the Agent Agreement, Agents receive substantial benefits, including the right to purchase products through Pro Financial Group, Corp. at Agent's price for resale; the right to sponsor others to become an Agent and sell products offered on Profinancialgroup.com; the right to qualify for bonuses under the Pro Financial Group, Corp. Agent Compensation Plan (“Plan”); the use of Pro Financial Group, Corp. intellectual property in accordance with the Rules, and various forms of support for Agents and their Clients. As part of its commitment to support the opportunity available to Agents, Pro Financial Group, Corp. invests considerable resources in maintaining its reputation, Line of Sponsorship (“LOS”) and LOS Information to provide Pro Financial Group and Agents a competitive advantage. Both the Agents and Pro Financial Group, Corp. share a competitive business interest in maintaining and protecting such resources and interests. The Rules provide important safeguards for Agents and Pro Financial Group, Corp. in this regard, as well as contractual rights and obligations.

1. Contractual Relationship: Pro Financial Group, Corp. (“PFG”) has an agreement with each Agent, which includes all of the terms contained in the Agent Registration Agreement form executed by the Agent, the Plan, and the Rules in effect at the time the Agent Agent executed the Agent Registration Agreement, as well as any Independent Business Owner Entity Agreement (Agent) (“Entity Agreement”) or amendments to the Plan or Rules that become effective during the contract term (the “Agent Agreement”). »). Current versions of the Plan and Rules can be found at profinancialgroup.com

   As part of the Agent Agreement, Agents are bound by the Rules.

2. Choice of Law: Except for the provisions of the Federal Arbitration Act applicable to Rule 11, the formation, construction, interpretation, and enforceability of the Agent Agreement, as well as any claim arising out of or related to such Agreement, shall be governed by the law of the state of North Carolina, without giving rise to choice of laws or conflicts of laws rules or provisions (whether of the state of North Carolina or any other jurisdiction) that may cause the laws of any jurisdiction other than that State to be imposed. The place where the Agent Agreement is executed is North Carolina.

3. Divisibility: If any part of the Rules of Conduct is determined by an arbitrator or court of competent jurisdiction to be unenforceable in any respect, then the rest of the Rules of Conduct will apply to the extent permitted by law, without prejudice to the enforceability of the Rules of Conduct. Remaining Rules of Conduct.

DEFINITIONS

1. Pro Financial Group, Corp. Agent Compensation Plan (or the Plan) means the commercial agreement through which Agents receive certain income or other compensation as described in their contract.

2. Works Protected By Reproduction Rights means works covered by copyright, which are owned or created by Pro Financial Group, Corp., or for which Pro Financial Group has a license to use.

3. Client means a person or entity that is not an Independent Business Owner (Agent) and that is the end user of products and services offered through Pro Financial Group, Corp.

4. Independent Business means a Pro Financial Group, Corp. business managed by an Independent Business Owner (Agent) in accordance with the Agent Agreement.

5. Independent Business Owner (Agent) means one or more persons or an entity that operates a business in accordance with the Agent Agreement

1. Line of Sponsorship (LOS) refers to the structural arrangement of the Agents established through the contractual relationship of each of said independent entrepreneurs with Pro Financial Group, Corp.

2. Line of Sponsorship Information includes all information that discloses or relates to all or any part of the Line of Sponsorship, including, but not limited to, Agent numbers and other business identification data of Agents, personal contact information, business performance information of the Agents and all information generated or derived from it in its past, present or future forms.

3. Brands means the trademarks, service marks, trade dress and trade names adopted or used by Pro Financial Group, Corp. or otherwise subject to trade rights owned or licensed by Pro Financial Group, Corp., regardless of whether such trademarks, service marks, trade dress or trade names are subject to any application for registration or trademark registration.

4. Prospect means a prospective Agent.

5. Region means The United States.

6. Use means: (a) with respect to the Marks, to place, affix or display, directly or indirectly, one or more Marks on or in connection with any of the products or services in such a way as to create the impression of affiliation, connection, relationship or association between Pro Financial Group, Corp. and the Approved Agent or Provider; and (b) with respect to copyrighted works, reproduce, distribute, or display copies of copyrighted works, in whole or in part, including by means of digital audio transmissions and for the creation of works derivatives.

BECOME AN AGENT

1. Registration Agreement: To become an Agent, the applicant must be 18 years of age or older, complete and sign the Agent Registration Agreement in accordance with the procedures on the Pro Financial Group, Corp. website, and pay the Services and Business Support specified in the Agent Registration Agreement.

2. Acceptance Or Rejection Of The AGENT Registration Agreement: Pro Financial Group, Corp. reserves the right to accept or reject any Agent Registration Agreement. A registration will be deemed accepted by Pro Financial Group, Corp. upon receipt by Pro Financial Group, Corp. of a completed and signed Agent Registration Agreement in accordance with Rule 3.1, when your

   content is verified against Pro Financial Group, Corp. database records and whether the record does not violate any Rules of Conduct.

3. Legal Entities Like Agent: Independent Businesses (IBs) must be formed initially by and on behalf of individual applicants. After receiving an Agent number, an Agent who wishes to operate their Independent Business as a corporation, LLC, limited partnership, LLP, or trust must complete the Entity Agreement for Entrepreneurs. Independent Agent (Agent) and submit it to Pro Financial Group, Corp., who may accept or reject it.

4. Spouse Agents: If both spouses want to become an Agent, they will need to register individually and sign the separate agreement. An Agent will be responsible for the actions of his spouse, whether he is an Agent or not, to the extent established in the Rules of Conduct.

5. Minors As Independent Entrepreneurs: Minors who are at least 16 years of age may become an Agent solely for the purpose of marketing products and services offered by or through Pro Financial Group, Corp. A minor who wishes to become an Agent must be added as a co-owner to the Agent of their parents or guardians. Minors may not hold the position of Business Manager in any Agent.

1. Termination of Agent Agreement: An Agent may terminate their Agent Agreement at any time by writing to Pro Financial Group, Corp. Business Conduct and Rules Department. Persons terminating their Agent Agreement must follow the Agent Agreement and wait for the agreed time.

   
   

2. Death and Succession: An IB may be bequeathed to the spouse, heir, or other beneficiary of a deceased Agent.

   1. In cases where the IB is jointly owned, such as in the case of a marriage or partnership, and one of the spouses or partners dies, unless they have previously made provisions to the contrary, Pro Financial Group, Corp. will recognize the surviving spouse or partner(s) as the owner(s) of the IB. The survivor(s) must submit a certified copy of the death certificate for Pro Financial Group, Corp. to change their records.

      
      

   2. In those cases in which the IB is operated as an entity in accordance with Rule 3.3, and one of the owners of said entity dies, said entity will continue to operate the IB, as long as the entity complies with the requirements of Rule 3.3. and the successor of the deceased operator is an Agent in full compliance with the Rules. The entity will notify Pro Financial Group, Corp. of the change in ownership or control of the entity by submitting the existing applicable Entity Agreement reflecting the proposed changes; and any proposed change in ownership or control of the entity requires the express approval of Pro Financial Group, Corp. in writing.

   3. In cases where an Agent disposes of an IB in will, Pro Financial Group, Corp. will recognize the terms of the transfer provided the beneficiary is an Agent in compliance with the Rules.

   4. If there is no qualified Agent in position to manage an IB due to probate or court proceedings, Pro Financial Group, Corp. will have the option of entering into a service agreement with another Agent, preferably upline, in the Line of Sponsorship, to manage the IB until the procedures are complete.

3. Pro Financial Group may use a third party provider to pay bonuses and/or other money earned by Agents under the Plan. Agents must (a) register with any provider of Pro Financial Group's choice and remain registered with any provider of Pro Financial Group, Corp.'s choice, which is subject to change, as long as they remain an Agent, including accepting the provider's currently applicable terms and conditions, if any, and (b) provide such provider with all information it requires, which may include, but is not limited to, a primary email address and tax identification number, to allow the provider to make payments to Agents on behalf of Pro Financial Group, Corp. Current provider registration and other requirements for making payments to Agents can be found at profinancialgroup.com

RESPONSIBILITIES AND OBLIGATIONS

1. Good Faith Responsibility: Pursuant to the terms of the Agent Agreement, Pro Financial Group, Corp. and all Agents agree to perform their obligations under liability in good faith and fair dealing. An Agent will be responsible for the actions of partners, family members or third parties acting or seeking to act on behalf of the Agent or on behalf of the IB, to the extent determined by the Rules of Conduct. No Agent shall aid and abet another Agent to violate the Rules of Conduct. Agents shall not engage in any activity that may jeopardize the reputation of Pro Financial Group, Corp. or other Agents.

   
   

2. Cross Buying Or Selling Between Groups: No Agent shall engage in any type of cross buying and selling. Cross-buying or cross-selling occurs when an Agent sells products and services offered through or by Pro Financial Group, Corp. to another Agent that he or she did not personally sponsor, unless (a) permitted by a service agreement pursuant to Rule 5.5.4 or (b) when an Agent makes purchases of products or services offered through Pro Financial Group, Corp. directly from or through their upline.

   
   

3. Unsolicited Electronic Messages: No Agent will send, transmit or communicate electronic messages related to Pro Financial Group, its business opportunity, products or services to persons with whom the Agent has not had a previous personal or business relationship. (This includes, but is not limited to, sending messages via newsgroups, purchased mailing lists, "safe lists," or other lists of persons or entities with which Agent has not previously had a relationship.)

4. Advertising: Agents may only advertise with the express written permission of Pro Financial Group.

   
   

5. Retail Establishments: Agents who own or work in a retail establishment must operate their IB independently of that establishment. No Agent shall permit products, services or literature offered by or through Pro Financial Group to be sold or displayed in retail establishments, including, but not limited to, places such as schools, fairs, kiosks,

   vending machines, unauthorized websites, military stores, professional salons or offices.

   
   

   1. Event Sales: The sale of authorized product categories by Agents is permitted only in temporary events (no more than 10 days) of topics that are consistent with the products for sale, and only after obtaining the written authorization of Pro Financial Group. Agent must submit an Event Sales Request Form to Pro Financial Group 30 days prior to the event to allow Pro Financial Group sufficient time to grant authorization. A copy of the Event Sales Request Form can be obtained at www.profinancialgroup.com.

      
      

   2. Exhibition stands: The exhibition only (not sales) of approved products and literature, by Agents, is allowed only during temporary events (not more than 10 days), and only with the express and written authorization of Pro Financial Group. The Agent must submit an Exhibit Booth Request Form to Pro Financial Group 30 days prior to the event to allow Pro Financial Group sufficient time to grant clearance. A copy of the Exhibit Booth Request Form can be obtained at www.profinancialgroup.com.

      
      

6. Statements About Products, Services and the Opportunity: Agents shall only make true and accurate statements about the business opportunity, products and services offered through or by Pro Financial Group. Agents shall not make any representations about products or services offered through or by Pro Financial Group, other than those that appear in Pro Financial Group's authorized bibliography and in www.profinancialgroup.com.

   
   

7. Compliance with applicable laws, standards and codes: Agents must comply with all laws, regulations and codes concerning the operation of their IB in the place where they do business. Agents shall not aid or abet anyone to violate any laws, rules, codes or terms of the Agent Agreement. No Agent is permitted to operate any illegal business, or engage in or participate in any deceptive or illegal business practice.

   
   

8. Relationship With Agents: Agents are independent contractors. Agents shall not state or imply that they are employees, officers or legal representatives of Pro Financial Group, its affiliates and/or other Agents. Agents shall not state or imply, either directly or indirectly, that registration creates an employment relationship between themselves and Agents whom they have sponsored, or who have sponsored them.

9. Franchises and Territories: Agents shall not declare to anyone that there are franchises or exclusive territories contemplated in the Plan.

   
   

10. Enticement to Change Places Within the Line of Sponsorship: Under no circumstances shall an Agent, directly or indirectly, offer, assist, try to induce or encourage another Agent to request a change of place within the Line of Sponsorship.

11. Good Commercial Practices: Agents must operate their IBs in an economically responsible and solvent manner. Pro Financial Group reserves the right to withhold bonus payments to settle amounts owed by an Agent. In the event that an Agent or any associated member of your IB files for bankruptcy or is facing bankruptcy proceedings, or has assets seized by court order or to settle an unpaid court judgment debt, such Agent must notify Pro Financial Group immediately.

12. Fundraising: No Agent shall use Pro Financial Group products or services in conjunction with any type of fundraising activity. Fundraising includes soliciting the donation of funds or the purchase of Pro Financial Group products or services based on the declaration that all or part of the proceeds, income, donations, bonuses or earnings generated by such sale will benefit some group, particular organization or cause.

13. Plan Manipulation By Agents: Agents shall not tamper with the Plan in such a way that such tampering results in the payment of bonuses or other awards and recognition not earned in accordance with the terms of the Agent Agreement.

14. Updating Personal Or Business Information: It is the responsibility of all Agents to inform Pro Financial Group of any updates or changes to their personal (for example, name, address, email address and phone numbers) or commercial (for example, business name, postal address, email address, phone numbers, adding or removing a partner, change of business status, etc.).

15. Communication With Pro Financial Group: When the Rules require an Agent to contact Pro Financial Group for notices, permits, or approvals, the Agent should contact Pro Financial Group's Business Conduct and Rules Department by mail at 3440 Toringdon Way, Suite 205, Charlotte, NC 28277 or by email at support@profinancialgroup.com. For questions or concerns, call 1-800-624-1962.

PRESENTATION OF THE PLAN, SPONSORSHIP AND SUPPORT

1. Invitation: When inviting a Prospect to the presentation of the Plan, the Agent must make it clear that what is described or offered is the Plan.

2. Plan Description: When submitting the Plan: (a) Agent's statements must be true, accurate and not misleading; (b) the roles of a balanced business (retail sales, personal use, and sponsorship) must be accurately described; and (c) all income statements must be limited to income earned by the Plan based on actual experience or in accordance with materials authorized by Pro Financial Group, and must provide realistic income potential.

3. Required Declarations: When seeking participation of a Prospect in the plan, Agents:

   1. They must provide each Prospect with a copy of the prospectus authorized by Pro Financial Group containing the average earnings, revenue and sales figures presented as percentages as published by Pro Financial Group, and verbally inform the Prospect that the brochure contains the average figures. earnings, revenues and average sales as published by Pro Financial Group.

   2. They must only use materials authorized by Pro Financial Group or Business Support Material authorized for use with Prospects, in accordance with Rule 7 (Business Support Material).

4. Prohibited Sponsorship Practices: When seeking participation of a Prospect in the plan, Agents:

   1. They should not use lifestyle-related examples, eg, travel, automobiles, successful Agent residences, and contributions to charitable causes, unless such benefits have been earned as a result of building a successful IB.

   2. They should not mention or imply that a successful IB can be built in the form of a wholesale club.

   3. They shall not mention or imply that Agents are not required to do retail sales or market products.

   4. They shall not ask or encourage a Prospect to purchase anything that is not included in the Business Support and Services fee specified in the Agent Registration Agreement, nor shall they encourage the Prospect to purchase products or services not identified in the Agent Registration Agreement. Agent. The only requirements that an Agent may request from a Prospect who wishes to register will be the payment of the Business Services and Support fee and their signature on a completed Agent Registration Agreement, and that they send it to Pro Financial Group.

   5. They shall not register or sponsor new Agents in a manner that manipulates the Agent's position in the LOS.

5. Sponsorship Responsibilities: Sponsors must comply with the following obligations:

   1. Compliance With The Rules: The sponsor must be an Agent who fully abides by the Rules of Conduct.

   2. Access to Agent Agreement: Sponsor shall ensure that all Agents whom it sponsors have access to, and an opportunity to read, the Agent Agreement.

   3. Training And Motivation: The sponsor must be able to train and motivate the Agents it has sponsored, with a minimum of help from the upline. Agents may fulfill this obligation through the use of Business Support Materials approved in accordance with Rule 7.

   4. Service Agreements: If an Agent is unable or unwilling to serve their sponsored Agents with proper training and motivation, they must make written arrangements with their first qualified upline mentor to provide this service.

      
      

   5. Distribution of Performance Bonuses: Some Agents receive Performance Bonuses from Pro Financial Group, a portion of which may be payable to downline Agents. Agent may not withhold any portion to which a downline Agent may be entitled, even if the downline Agent owes any private debt to the upline Agent, unless there is a written agreement between the parties permitting such retention. Even with such written agreement, the upline Agent may only retain the net portion of the Performance Bonus corresponding to the Agent in question, but not the portion that may correspond to other downline Agents.

1. Provide or provide access to regular sales meetings for the purpose of training and inspiring Downline Agents and maintaining frequent contact with all of them.

2. Ensure compliance with the Rules of Conduct by downline Agents.

5.7. Support Prohibited Practices: Sponsors and upline Agents are prohibited from soliciting or asking downline Agents, as a condition of receiving assistance in building their IB after registration: (a) to purchase any number of Pro Financial Group products or services or from another source, or (b) who maintain an inventory of products or services from Pro Financial Group or from another source.

CONSERVATION OF LINES OF SPONSORSHIP

1. Confidentiality of the LOS: Pro Financial Group protects the Line of Sponsorship and related information for the benefit of Pro Financial Group and all Agents. Pro Financial Group keeps LOS information private and confidential as it is a trade secret. Pro Financial Group is the sole owner of all LOS-related information that is derived, collected, configured and maintained through the considerable expense of time, effort and resources of both Pro Financial Group and its Agents. Agents may use Pro Financial Group trade name and LOS information only for the purposes permitted in the Agent Agreement.

   1. Agents acknowledge and agree not to dispute that: (i) the information relating to the Line of Sponsorship is confidential and a valuable trade secret belonging to Pro Financial Group; (ii) the information related to the Line of Sponsorship is the exclusive property of Pro Financial Group; and (iii) that Agents have no rights with respect to information related to the Line of Sponsorship. Agents agree not to challenge or interfere with Pro Financial Group's authority to grant licenses or sublicenses for the use of information related to the Line of Sponsorship. Agents shall not claim or seek to obtain any rights or protections with respect to information related to the Line of Sponsorship beyond the limited rights or protections that may be specifically granted by this Rule.

   2. An Agent may use LOS information only with Pro Financial Group's prior written permission, which may be expressed through a general posting (to all Agents) or through specific writings to one or more Agents. Any permission granted by Pro Financial Group shall constitute a limited, non-exclusive, non-transferable, revocable license by Pro Financial Group for an Agent to use LOS Information only as necessary to facilitate your IB as permitted by these Rules of Conduct. Pro Financial Group reserves the right to deny or revoke any such licenses upon reasonable notice to Agent, specifying the reasons for such denial or revocation when, in Pro Financial Group's reasonable opinion, it is necessary to protect the confidentiality or value of Line of Sponsorship Information.

   3. All Agents must hold information related to the Line of Sponsorship in the strictest confidence, and must take all reasonable steps to safeguard it and preserve confidentiality. Agents shall not collect, organize, access, list, use or otherwise disclose any information relating to LOS, except as authorized by Pro Financial Group. Likewise, Agents must not disclose information related to the LOS to third parties, nor use such information in connection with other businesses or to compete, directly or indirectly, with the businesses of Pro Financial Group.

BUSINESS SUPPORT MATERIALS

In these Rules, "Business Support Materials" ("BSM") means all products and services (including, but not limited to, promotional materials, books, magazines, flipcharts and other printed materials, web literature, web sites, advertising, audio, video, or digital media, meetings, educational seminars, and other types of materials and services) that (i) are designed to recruit or educate Prospects, Clients, or prospective Clients of Pro Financial products or services Group, or to support, train, motivate or educate Agents, or (ii) that incorporate or use one or more of Pro Financial Group's Trademarks or copyrighted works, or (iii) that are offered in a meaningful way implicit or explicit affiliation, connection or any association with Pro Financial Group. Unless otherwise specified in writing, Agents acknowledge that nothing in this rule, or any other rule, shall be construed or construed as a license or other permission to incorporate any LOS information into any BSM.

1. General Rules Regarding BSM

   1. Agents may only sell BSM as set forth in Rules 7.1 and 7.2. BSM created, used, promoted, distributed or offered for sale by or to Agents must: (a) comply with all Quality Assurance Standards and any applicable Rules of Conduct in connection with their use, promotion and sale; (b) submitted to Pro Financial Group for review prior to use, promotion, distribution or sale; (c) be authorized by Pro Financial Group; and (d) if required by the BSM category, carry the authorization number provided by Pro Financial Group. Except in the cases explicitly mentioned in the Quality Assurance Standards, the BSM may not be offered for sale to the Prospects. Agents eligible to sell or promote BSM may obtain a copy of the currently applicable Quality Assurance Standards from Pro Financial Group upon request.

   2. The Pro Financial Group Satisfaction Guarantee and Buy-Back Rules do not apply to materials not sold by Pro Financial Group. BSM may only be sold if subject to the buyer's right to return such materials for a refund in accordance with the following provisions:

      1. Except as provided in Rule 7.1.2.2, any Agent who chooses to sell tickets for seminars, events and other business meetings is obligated to refund tickets purchased for the personal use of the buyer during a period of 30 days after the event, provided that the dissatisfied buyer has personally attended the event. Said refund will be for the portion of the cost of the event related to the entrance to it and will not include the cost of travel, food or hotel accommodation.

      2. BSMs offered as subscriptions to websites and downloadable media are subject to the following requirements in addition to Rule 7.1.2: (a) Buyers who cancel subscriptions to websites are entitled to a refund of months unused amounts of any prepaid subscription; and (b) Purchasers of downloadable materials are entitled, if dissatisfied, to obtain a replacement download of equal value within 30 days from the date of purchase of such downloadable material.

   3. Agents promoting, selling, distributing or offering for sale BSM shall: (a) ensure that such BSM is not sold or offered for sale in conjunction with the Agent's registration

      in; (b) provide purchasers of such BSM with any statements or other information that Pro Financial Group may require from time to time; (c) clearly inform all purchasing Agents that the purchase of BSM is optional, strictly voluntary, and may be helpful, but is not necessary for the creation of a successful independent business; and (d) inform the buyer of the refund procedures applicable to such BSM in accordance with Rule 7.1.2.

   4. No Agent may record Pro Financial Group presentations without the prior written consent of Pro Financial Group. An Agent may make a single recording of talks or presentations made by persons other than Pro Financial Group employees at any meeting sponsored by Pro Financial Group, provided the recording is for their personal use and is not reproduced for any reason.

   5. Although the specific content of live seminars, business meetings and events or other similar BSM must comply with the Quality Assurance Standards, such BSM does not require prior authorization from Pro Financial Group, unless or until the content is reduced to a fixed medium (for example, print, audio or video) for use with Agents or Prospects.

   6. An Agent purchasing, promoting, distributing, or offering BSM for sale shall use reasonable efforts to determine that the quantity and cost of the BSM are reasonably related to the sales volume and earnings of the purchaser's IB.

   7. Agents may host Agent seminars, events or business meetings that coincide with their training obligations as Sponsors or Platinums.

   8. Agents creating, using, selling, promoting or distributing BSM other than as set forth by Pro Financial Group must obtain written permission from Pro Financial Group in order to make use of any Marks, copyrighted or proprietary material. intellectual property of Pro Financial Group that is related to said BSM.

   9. Agents creating, using, selling, promoting, or distributing BSM shall not infringe the copyright or copyright of Approved Providers, other Agents, or third parties.

7.1.11.

TRADEMARKS AND WORKS PROTECTED BY REPRODUCTION RIGHTS

The Pro Financial Group Trademarks and copyrighted works are important and valuable business assets of Pro Financial Group. The Marks help identify the source and reputation of Pro Financial Group's products and services, and distinguish them from competitors' products and services. Pro Financial Group takes all reasonable efforts from a business perspective to prevent misuse of the Marks, including the implementation of Rules of Conduct, accreditation of authorized vendors, and a corporate identity program that mandates correct and consistent use of the Marks. the Marks, both in their appearance and in their content.

1. Trademarks and Works Protected by Reproduction Rights: An Agent may use Pro Financial Group's Trademarks and Copyright Works only with Pro Financial Group's prior written permission, which may be expressed through a general publication (to all Agents) or through specific writings. to one or more Agents. Without limitation, Pro Financial Group may require compliance with specifications, that materials using the Pro Financial Group Marks and/or copyrighted works be provided by Pro Financial Group or one of its authorized suppliers, as well as condition the use of its Trademarks and works protected by copyright

reproduction. Any permission granted by Pro Financial Group shall constitute a limited, non-exclusive, non-transferable, revocable license to use such Marks and copyrighted works solely in connection with Pro Financial Group's business within the Region. Subject to conditions and specifications published or specifically provided in writing from time to time, the Marks and copyrighted works may be used exclusively in: (a) indoor and outdoor office signs; (b) any form of vehicle wraps; (c) telephone listings; (d) promotional literature; (e) stationery; (f) premiums, and (g) business cards. Other proposed uses will be considered upon request. Without limitation, Pro Financial Group will not authorize Agents to use the Marks on paper checks.

COMPLIANCE WITH THE AGENT AGREEMENT (REMEDIES IN THE EVENT OF BREACH)

Compliance with the Agent Agreement is essential to the preservation of a robust and viable business for Agents and for Pro Financial Group. Both Agents and Pro Financial Group have rights and responsibilities in case of breach of the Agent Agreement.

1. Rights and Responsibilities of Pro Financial Group: When Pro Financial Group detects a possible breach of the Agent Agreement, it will first conduct appropriate investigations. Before taking enforcement action, Pro Financial Group will attempt to contact the Agent in an effort to resolve the issue. If these communications do not resolve the problem, Pro Financial Group may take any of the enforcement actions authorized under the Agent Agreement, including, without limitation, one or a combination of any of the following measures:

   1. A written warning to an Agent and/or their upline or downline Agents in the Line of Sponsorship.

   2. Retrain an Agent and/or their upline or downline Agents in the Line of Sponsorship.

   3. The suspension of some or all of an Agent's rights for a specified period or until certain conditions are met.

   4. Withdraw or deny an award, trip, distinction or some other incentive.

   5. Withhold any monthly or annual bonus or incentive pay.

   6. Compensation remedies as appropriate.

   7. Transfer of an Agent or a group of Agents.

   8. Termination of an Agent Agreement.

      If an Agent decides to contest any action taken by Pro Financial Group pursuant to this Rule, they must submit the matter to the Dispute Resolution Procedures described in Rule 11.

2. Rights and Responsibilities of Agents: Agent Rights and Responsibilities: If an Agent believes that another Agent has violated the Agent Agreement, they should first contact the Agent in question to try to resolve the problem. If an Agent believes that Pro Financial Group has violated the Agent Agreement, the Agent should first contact Pro Financial Group.

   1. If an Agent chooses to challenge the validity of a Rule or other term of the Agent Agreement, they must first contact Pro Financial Group in an effort to resolve the problem. If the Agent is not satisfied with Pro Financial Group's response, the dispute shall be resolved by Arbitration as set forth in Rule 11.5.

3. Obligation to Cooperate: All Agents have an obligation to respond to questions put to them and to cooperate in a timely manner with any investigation conducted by Pro Financial Group. Failure to respond to questions or provide timely cooperation constitutes a breach of the Agent Agreement and may be cause for Pro Financial Group to take action against the IB.

4. No Waiver. The non-demand of reparation of any breach of any of the procedures of the Agent Agreement by Pro Financial Group or any Agent shall not constitute a waiver of the requirement of any prior, simultaneous or subsequent breach of the same or of any other provision of the Agreement. of Agent.

MODIFICATION OF THE AGENT AGREEMENT

Pro Financial Group may modify the Agent Agreement.

For further assistance, contact Customer service.

Minimum Browser Requirements

We have optimized profinancialgroup.com for the most up-to-date browsers at the time of this statement. If you choose not to use any of these browsers you may experience difficulties viewing some areas of our website.