Healer Team
Policies and Procedures


Healer Team has made a commitment to provide the finest nutritional
supplement products backed by impeccable service to its Independent Affiliates.
In turn, the company expects Healer Team Independent Affiliates to reflect that
image in their relationships with Customers and fellow Independent Affiliates.
As a Healer Team Independent Affiliate you are expected to operate your
business according to the highest standards of integrity and fair practice in your
role as a Healer Team Independent Affiliate. Failure to comply with the Code of
Ethics can result in your termination as a Healer Team Independent Affiliate. The
Code of Ethics, therefore, states:
As an Independent Affiliate:
 I will conduct my business in an honest, ethical manner at all times.
 I will make no representations about the benefits of being an
Independent Affiliate with Healer Team other than those contained in
officially-approved corporate literature and videos.
 I will provide support and encouragement to my customers to ensure
that their experience with Healer Team is a successful one.
 I will motivate and actively work with Independent Affiliates of my
downline organization to help them build their Healer Team business. I
understand that that this support is critical to each Independent
Affiliate’s success with Healer Team.
 I will refrain from exaggerating my personal income or the income
potential in general and will stress to Independent Affiliate prospects
the level of effort and commitment required to succeed in the business.
 I will not abuse the goodwill of my association with Healer Team to
further or promote other business interests (particularly those which
may be competitive to Healer Team) without the prior written consent
of Healer Team.

 I will not make disparaging remarks about other products, services,
Independent Affiliates, or companies; likewise, I will not willfully
denigrate the activities or personalities of fellow Healer Team
Independent Affiliates.
 I will abide by all of the Policies and Procedures of Healer Team as
included herein, or as may be amended from time to time.
 I will not make any payment(s) or promise to pay any prospective or
existing Independent Affiliate in return for such Independent Affiliate’s
enrollment, continued enrollment, or team building or recruiting
activities with Healer Team.
 I will strive to sell and promote the products of Healer Team in a
professional manner to end user retail customers.

2.1 - Policies and Compensation Plan Incorporated into Independent Affiliate Agreement
These Policies and Procedures, in their present form and as amended at the sole discretion of
Healer Team, are incorporated into, and form an integral part of, the Healer Team Independent
Affiliate Agreement. Throughout these Policies, when the term “Agreement” is used, it
collectively refers to the Healer Team Independent Affiliate Application and Agreement Form,
these Policies and Procedures and the Healer Team Compensation Plan. These documents are
incorporated by reference into the Healer Team Independent Affiliate Agreement (all in their
current form and as amended by Healer Team).
2.2 - Purpose of Policies
Healer Team is a direct sales company that markets health and wellness supplements and other
related products, through Independent Affiliates. It is important to understand that your
success and the success of your fellow Independent Affiliates depends on the integrity of those
who market our services. To clearly define the relationship that exists between Independent
Affiliates and Healer Team, and to explicitly set a standard for acceptable business conduct,
Healer Team has established the Agreement. Healer Team Independent Affiliates are required
to comply with all of the provisions set forth in the Agreement, which Healer Team may amend
at its sole discretion from time to time, as well as with all federal, state and local laws governing
their Healer Team business and their conduct. Because you may be unfamiliar with many of
these standards of practice, it is very important that you read and abide by the Agreement.
Please review the information in this document carefully. It explains and governs the
relationship between you, as an independent contractor, and the Company. If you have any
questions regarding any policy or rule, do not hesitate to seek an answer from the Healer Team
corporate office.

2.3 - Changes to the Agreement
Because laws and the business environment periodically change, Healer Team reserves the
right to amend the Agreement, compensation plan and its prices at its sole and absolute
discretion. By signing the Independent Affiliate Agreement, an Independent Affiliate agrees to
abide by all amendments or modifications that Healer Team elects to make. Amendments shall
be effective 30 days after publication of notice of amendments in official Healer Team
materials. The Company shall provide or make available to all Independent Affiliates a complete
copy of the amended provisions by one or more of the following methods: (a) posting on the
Company’s official website; (b) electronic mail (email); (c) inclusion in Company periodicals; (d)
inclusion with commissions or bonus checks; or (e) special mailings. The continuation of an
Independent Affiliate’s Healer Team business or an Independent Affiliate’s acceptance of
bonuses or commissions constitutes acceptance of any and all amendments.
2.4 - Delays
Healer Team shall not be responsible for delays or failures in performance of its obligations
when performance is made commercially impracticable due to circumstances beyond its
reasonable control. This includes, without limitation, strikes, labor difficulties, riot, war, fire,
death, curtailment of a party’s source of supply, government decrees or orders, and acts of
2.5 - Policies and Provisions Severable
If any provision of the Agreement, in its current form or as may be amended, is found to be
invalid, or unenforceable for any reason, only the invalid portion(s) of the provision shall be
severed and the remaining terms and provisions shall remain in full force and effect and shall
be construed as if such invalid or unenforceable provision never comprised a part of the
2.6 - Waiver
The Company never gives up its right to insist on compliance with the Agreement and with the
applicable laws governing the conduct of a business. No failure of Healer Team to exercise any
right or power under the Agreement or to insist upon strict compliance by an Independent
Affiliate with any obligation or provision of the Agreement, and no custom or practice of the
parties at variance with the terms of the Agreement, shall constitute a waiver of Healer Team’s
right to demand exact compliance with the Agreement. Waiver by Healer Team can be affected
only in writing by an authorized officer of the Company. Healer Team’s waiver of any particular
breach by an Independent Affiliate shall not affect or impair Healer Team’s rights with respect
to any subsequent breach, nor shall it affect in any way the rights or obligations of any other
Independent Affiliate. Nor shall any delay or omission by Healer Team to exercise any right
arising from a breach affect or impair Healer Team’s rights as to that or any subsequent breach.
The existence of any claim or cause of action of an Independent Affiliate against Healer Team
shall not constitute a defense to Healer Team’s enforcement of any term or provision of the

3.1 - Requirements to Become an Independent Affiliate
To become a Healer Team Independent Affiliate, each applicant must:
3.1.1 - Be at least 18 years of age;
3.1.2 - Reside in the 50 United States or US Territories officially opened by the Company;
3.1.3 - Have a valid Social Security or Tax ID number;
3.1.4 - Submit an accepted Healer Team Independent Affiliate Application and
The Company reserves the right to reject any applications for a new Independent Affiliate or
applications for renewal.
3.2 - Independent Affiliate Benefits
Once an Independent Affiliate Application and Agreement has been accepted by Healer Team,
the following benefits are available to the new Independent Affiliate.
3.2.1 – Independent Affiliates that enroll in Healer Team are allowed to:
-Sell Healer Team products to retail customers and receive profit from these
- Receive periodic Healer Team literature and other Healer Team
-Build a network of Independent Independent Affiliates and participate in the
Healer Team Compensation Plan

4.1 - Adherence to the Healer Team Compensation Plan
Independent Affiliates must adhere to the terms of the Healer Team Compensation Plan as set
forth in official Healer Team literature.
Independent Affiliates shall not offer the Healer Team opportunity through, or in combination
with, any other system, program or method of marketing other than that specifically set forth
in official Healer Team literature. Independent Affiliates shall not require or encourage other
current or prospective customers or Independent Affiliates to participate in Healer Team in any
manner that varies from the program as set forth in official Healer Team literature.
Independent Affiliates shall not require or encourage other current or prospective customers or
Independent Affiliates to execute any agreement or contract other than official Healer Team
agreements and contracts in order to become a Healer Team Independent Affiliate. Similarly,
Independent Affiliates shall not require or encourage other current or prospective customers or
Independent Affiliates to make any purchase from, or payment to, any individual or other entity
to participate in the Healer Team Compensation Plan other than those purchases or payments
identified as recommended or required in official Healer Team literature.

4.2 - Bonus Buying Prohibited
Bonus buying is strictly and absolutely prohibited. “Bonus buying” includes:
(a) the enrollment of individuals without their knowledge and agreement and/or without
execution of an Independent Affiliate Application;
(b) the fraudulent enrollment of an individual as an Independent Affiliate or merchant;
(c) the enrollment or attempted enrollment of non-existent individuals as Independent
Affiliates or merchants;
(d) the use of a credit card by or on behalf of an Independent Affiliate or merchant when the
Independent Affiliate or customer is not the account holder of such credit card;
(e) purchasing Healer Team products on behalf of another Independent Affiliate, or under
another Independent Affiliate’s ID number, to qualify for commissions or bonuses.
4.3 - Business Entities
A Partnership, LLC or Corporation may hold an Independent Affiliate business upon completion
of the Independent Affiliate Application form, and providing on that form in the appropriate
space, a Federal tax ID number. An individual may participate in multiple business centers,
however, all must be under the same business name. The person signing the application on
behalf of a business entity must have the authority of said entity for entering into the
transaction. In addition, by signing for as a business entity, you certify that no person with an
interest of debt or equity in the business has had an interest in an Independent Affiliate
business in Healer Team within six (6) months of the date of signature.
4.4 - Changes to a Healer Team Business
4.4.1 - General
Each Independent Affiliate must immediately notify Healer Team of all changes to the
information contained in his or her Independent Affiliate Application and Agreement.
Independent Affiliates may modify their existing Independent Affiliate Agreement Form by
submitting a written request and appropriate supporting documentation.
4.4.2 - Change of Sponsor
To protect the integrity of all marketing organizations and safeguard the hard work of all
Independent Affiliates, Healer Team does not allow changes in sponsorship for active
Independent Affiliates. Maintaining the integrity of sponsorship is critical for the success of
every Independent Affiliate and marketing organization. Accordingly, the transfer of a Healer
Team business from one sponsor to another is not permitted.
Exception - A request for a change in sponsor, due to Healer Team error, will be accepted
within 45 days of completion of the application.
4.4.3 - Cancellation and Re-application
An Independent Affiliate may legitimately change organizations by:
a) Voluntarily cancelling his or her Healer Team Agreement and remaining inactive (i.e., no
purchases of Healer Team products for resale; no sales of Healer Team products; no sponsoring;
and no attendance at any Healer Team functions, participation in any other form of

Independent Affiliate activity, or operation of any other Healer Team business) for 6 full
calendar months.
Following the 6 calendar month period of inactivity, the former Independent Affiliate may
reapply under a new sponsor. However, the former Independent Affiliate will permanently lose
any and all right to their former Independent Affiliate downline organization.

4.5 - Unauthorized Claims and Actions
4.5.1 - Indemnification
An Independent Affiliate is fully responsible for all of his or her verbal and written statements
made regarding Healer Team products, services, and the Compensation Plan that are not
expressly contained in official Healer Team materials. Independent Affiliates agree to indemnify
Healer Team and Healer Team’s directors, officers, employees and agents and hold them
harmless from any and all liability, including judgments, civil penalties, refunds, attorney fees,
court costs or lost business incurred by Healer Team as a result of the Independent Affiliate’s
unauthorized representations or actions. This provision shall survive the termination of the
Independent Affiliate Agreement.
4.5.2 - Income Claims
In their enthusiasm to enroll prospective Independent Affiliates, some Independent Affiliates
are occasionally tempted to make income claims or earnings representations to demonstrate
the inherent power of network marketing. This is counterproductive because new Independent
Affiliates may become disappointed very quickly if their results are not as extensive or as rapid
as the results others have achieved.
Moreover, the Federal Trade Commission and all states have laws or regulations that
regulate or even prohibit certain types of income claims and testimonials made by persons
engaged in network marketing. While Independent Affiliates may believe it beneficial to
provide copies of checks, or to disclose the earnings of themselves or others, such approaches
have legal consequences that can negatively impact Healer Team as well as the Independent
Affiliate making the claim unless appropriate disclosures required by law are also made
contemporaneously with the income claim or earnings representation. Because Independent
Affiliates do not have the data necessary to comply with the legal requirements for making
income claims, an Independent Affiliate may NOT make income projections, income claims or
disclose his or her Healer Team income (including the showing of checks, copies of checks, bank
statements or tax records).
4.6 - Conduct at Healer Team Events
4.6.1 - No Selling or Recruiting at Healer Team Events
Selling and recruiting at Healer Team events is not permitted. These activities take away from
the primary focus of the event and can negatively reflect on the professional image of Healer
Team as a company. You may, however, offer a business card and/or catalog.
4.6.2 - No Selling or Recruiting for other Companies at Healer Team Events

Healer Team Independent Affiliates shall not sell any products or recruit for any business during
Healer Team events. This restriction most specifically applies to sales and recruitment efforts
for any other direct sales or marketing program, regardless of the product category, including
those that do not compete with Healer Team’s product line.
4.7 - Conflicts of Interest
4.7.1 - Non-compete Policy
Healer Team Independent Affiliates are free to participate in other multilevel or network
marketing business ventures or marketing opportunities (collectively “network marketing”),
with the exception of those products in the same generic category as a Healer Team product
that is deemed to be competing. Independent Affiliates may not display Healer Team products
with any other products or services in a fashion that might in any way confuse or mislead a
prospective customer, merchant or Independent Affiliate into believing there is a relationship
between the Healer Team and non-Healer Team products or services.
4.7.2 – Non-solicitation
During the term of this Agreement, Independent Affiliates may not recruit other Healer Team
Independent Affiliates or Merchants or customers for any other network marketing business.
Following the cancellation of this Agreement, and for a period of one year thereafter, a former
Independent Affiliate may not recruit any Healer Team Independent Affiliate or customer for
another network marketing business, with the exception of an Independent Affiliate who is
personally sponsored by the former Independent Affiliate. The Independent Affiliates and
Company recognize that because network marketing is conducted through networks of
independent contractors dispersed across the entire United States and internationally, and
business is commonly conducted via the Internet and telephone, an effort to narrowly limit the
geographic scope of this non-solicitation provision would render it wholly ineffective.
Therefore, the Independent Affiliates and Company agree that this non-solicitation provision
shall apply to all markets in which Healer Team conducts 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 Healer
Team Independent Affiliate or customer to enroll or participate in another multilevel
marketing, network marketing or direct sales opportunity. This conduct constitutes recruiting
even if the
Independent Affiliate’s actions are in response to an inquiry made by another Independent
Affiliate or customer.
4.7.3- Downline Activity (Genealogy) Reports
Downline Activity Reports made available for Independent Affiliate access and viewing at
Healer Team’s official website, are considered confidential. Independent Affiliate access to their
Downline Activity Reports is password protected. All Downline Activity Reports and the
information contained therein are confidential and constitute proprietary information and
business trade secrets belonging to Healer Team. Downline Activity Reports are provided to
Independent Affiliates in the strictest of confidence and are made available to Independent
Affiliates for the sole purpose of assisting Independent Affiliates in working with their

respective Downline Organizations in the development of their Healer Team business.
Independent Affiliates should use their Downline Activity Reports to assist, motivate and train
their Downline Independent Affiliates. The Independent Affiliate and Healer Team agree that,
but for this agreement of confidentiality and nondisclosure, Healer Team would not provide
Downline Activity Reports to the Independent Affiliate. An Independent Affiliate shall not, on
his or her own behalf, or on behalf of any other person, partnership, association, corporation or
other entity:
• Directly or indirectly disclose any information contained in any Downline Activity Report to
any third party;
• Directly or indirectly disclose the password or other access code to his or her Downline
Activity Report;
• Use the information to compete with Healer Team or for any purpose other than promoting
his or her Healer Team business;
• Recruit or solicit any Independent Affiliate or Customer of Healer Team listed on any report or
in any manner attempt to influence or induce any Independent Affiliate or customer of Healer
Team to alter their business relationship with Healer Team;
• Use or disclose to any person, partnership, association, corporation or other entity any
information contained in any Downline Activity Report.
Upon demand by the Company, any current or former Independent Affiliate will return the
original and all copies of Downline Activity Reports to the Company.
4.8 - Cross-Sponsoring
Actual or attempted cross-sponsoring is strictly prohibited. “Cross-sponsoring” is defined as the
enrollment of an individual or entity that already has a current Customer, Merchant or
Independent Affiliate Agreement on file with Healer Team, or who has had such an agreement
within the preceding 6 calendar months, within a different line of sponsorship. The use of a
spouse or relative’s name, trade names, assumed names or fictitious ID numbers to circumvent
this policy is prohibited. Independent Affiliates shall not demean, discredit or defame other
Healer Team Independent Affiliates in an attempt to entice another Independent Affiliate to
become part of the first Independent Affiliate’s marketing organization. If a prohibited
organization transfer occurs, Healer Team shall take disciplinary action against the Independent
Affiliate(s) who engaged, acquiesced and/or knowingly participated in the improper cross-
sponsoring. However, it shall be entirely within Healer Team’s discretion where in the
genealogical structure, the cross-sponsored organization in question shall be placed or
otherwise distributed.
Because equities often exist in favor of both upline organizations, INDEPENDENT AFFILIATES
4.9 - Errors or Questions

If an Independent Affiliate has questions about or believes any errors have been made
regarding commissions, bonuses, Downline Activity Reports, or charges, the Independent
Affiliate must notify the Independent Affiliate Care Department at Healer Team’s headquarters
in Riverside County, California, in writing, within 15 days of the date of the purported error or
incident in question. Healer Team will not be responsible for any errors, omissions or problems
not reported to the Company within 15 days.
4.10 – Sales Aids Optional
Independent Affiliates are not required to carry sales aids. Independent Affiliates who do so
must make his or her own decision with regard to these matters. To ensure that Independent
Affiliates are not encumbered with Company Sales Aids, such Sales Aids may be returned to
Healer Team upon the Independent Affiliate’s cancellation pursuant to the terms of Section 8.1.
4.11 - Governmental Approval or Endorsement
Neither federal nor state regulatory agencies or officials approve or endorse any direct selling
program. Therefore, Independent Affiliates shall not represent or imply that Healer Team or its
Compensation Plan have been “approved,” “endorsed” or otherwise sanctioned by any
government agency.
4.12 - Holding Applications or Enrollments
Independent Affiliates must not manipulate enrollments of new applicants or Merchant
enrollments. All Independent Affiliate Applications and Agreements and Service orders must be
sent within 72 hours from the time they are signed by an Independent Affiliate or placed by a
4.13 - Identification
All Independent Affiliates are required to provide their Social Security Number or Federal Tax
Identification Number to Healer Team on the Independent Affiliate Application and Agreement.
Upon enrollment, the Company will provide a unique Independent Affiliate Identification
Number to the Independent Affiliate by which he or she will be identified. This number will be
used to place orders and track commissions and bonuses.
4.14 - Income Taxes
Each Independent Affiliate is responsible for paying local, state and federal taxes on any income
generated as an Independent Affiliate. If a Healer Team business is tax exempt, the Federal Tax
Identification Number must be provided to Healer Team. Every year, Healer Team will provide
IRS Form 1099 (non-employee compensation) earnings statement to each U.S. resident who (a)
had earnings of over $600 in the previous calendar year or (b) made purchases during the
previous calendar year in excess of $5,000 wholesale. Healer Team cannot accept a tax-exempt
certificate from an Independent Affiliate who resides in a state where tax exempt status is not
granted for Direct Sales businesses. Independent Affiliates are encouraged to check with their
state government before sending a form to Healer Team.
4.15 - Independent Contractor Status

Independent Affiliates are independent contractors and are not purchasers of a franchise or a
business opportunity. The agreement between Healer Team and its Independent Affiliates does
not create an employer/employee relationship, agency, partnership or joint venture between
the Company and the Independent Affiliate. Independent Affiliates shall not be treated as an
employee for his or her services or for federal or state tax purposes. All Independent Affiliates
are responsible for paying local, state and federal taxes due from all compensation earned as an
Independent Affiliate of the Company. The Independent Affiliate has no authority (expressed or
implied) to bind the Company to any obligation. Each Independent Affiliate shall establish his or
her own goals, hours, and methods of sale, so long as he or she complies with the terms of the
Independent Affiliate Agreement Form, and these Policies and Procedures, and applicable laws.
If required by law to declare any Healer Team Affiliates be classified as employees, Healer Team
reserves the right to discontinue operating within the jurisdiction making such declaration.
The name of Healer Team and other names as may be adopted by Healer Team are proprietary
trade names, trademarks and service marks of Healer Team. As such, these marks are of great
value to Healer Team and are supplied to Independent Affiliates for their use only in an
expressly authorized manner. Use of the Healer Team name on any item not produced by the
Company is prohibited except as follows:
Independent Affiliate’s Name
Independent Healer Team Independent Affiliate
All Independent Affiliates may list themselves as an “Independent Healer Team Independent
Affiliate” in the residential telephone directory (“white pages”) under their own name.
Independent Affiliates may not place telephone directory display ads in the classified directory
(“Yellow Pages”) using Healer Team’s name or logo.
Independent Affiliates may not answer the telephone by saying “Healer Team,” “Healer Team
Processing,” or in any other manner that would lead the caller to believe that he or she has
reached the corporate offices of Healer Team.
Advertising is not limited to print media; it also includes internet advertising and other forms of
advertising. It is prohibited for an Independent Affiliate to use an internet or email address that
utilizes the trade name Healer Team, or includes Healer Team in a portion of the address. It is
also prohibited for an Independent Affiliate to use any website materials on a website that
references or relates to Healer Team that is not authorized in writing by Healer Team. It is also
prohibited for an Independent Affiliate to place links to unauthorized websites or webpages
onto a website or webpage that has been authorized by Healer Team.
4.16 - Insurance
4.16.1 - Business Pursuits Coverage
You may wish to arrange insurance coverage for your business. Your homeowner’s insurance
policy may not cover business related injuries or the theft of or damage to your business.
Contact your insurance agent to make sure that your business property is protected.

4.17 - International Marketing
Because of critical legal and tax considerations, Healer Team must limit the marketing and
enrollment of Healer Team services and the presentation of the Healer Team business to
prospective customers, Merchants and Independent Affiliates located within the 50 United
States of America and any other jurisdiction officially opened by Healer Team. Independent
Affiliates are only authorized to do business in the countries in which Healer Team has
announced are open for business in official Company literature.
4.18 - Laws and Ordinances
Independent Affiliates shall comply with all federal, state and local laws and regulations in the
conduct of their businesses. Many cities and counties have laws regulating certain home-based
businesses. In most cases these ordinances are not applicable to Independent Affiliates because
of the nature of their business. However, Independent Affiliates must obey those laws that do
apply to them. If a city or county official tells an Independent Affiliate that an ordinance applies
to him or her, the Independent Affiliate shall comply with the law.
4.19 - Minors
Independent Affiliates shall not enroll or recruit individuals under the age of 18 into the Healer
Team program. The one exception to this is if the minor has been adjudicated as an
emancipated minor by a court of competent jurisdiction.
4.20 - Actions of Household Members or Independent Affiliated Individuals.
If any member of an Independent Affiliate’s household, family, or other Independent Affiliated
individual engages in any activity that, if performed by the Independent Affiliate, would violate
any provision of the Agreement, such activity will be deemed a violation by the Independent
Affiliate and Healer Team may take disciplinary action pursuant to the Statement of Policies
against the Independent Affiliate.
An exception to the one-business-per-Independent Affiliate rule will be considered on a case-
by-case basis if two Independent Affiliates marry. Requests for exceptions to this policy must be
submitted in writing to the Compliance Department.
4.21- Legal Status as Independent Affiliate
Some states have recently passed legislation which further limits and identifies the
requirements to maintain Independent contractor status. It is important to know what your
states laws are on this subject. Healer Team will take no action which may subject them to a
situation whereby the Affiliates shall be considered employees.
4.22 - Requests for Records
Any request from an Independent Affiliate for copies of invoices, agreements, Downline activity
reports or other records/reports will require a fee of $1.00 per page per copy. This fee covers
the expense of mailing and time required to research files and make copies of the records.

4.23 - Sale, Transfer or Assignment of Healer Team Business
4.23.1 – Although a Healer Team business is a privately owned, independently operated
business, the sale, transfer or assignment of a Healer Team business, and the sale, transfer or
assignment of an interest in a Business Entity that owns or operates a Healer Team
Independent Affiliate business, is subject to certain limitations. If an Independent Affiliate
wishes to sell his or her Healer Team business, or interest in a Business Entity that owns or
operates a Healer Team business, the following criteria must be met:
 The selling Independent Affiliate must offer Healer Team the right of first refusal to
purchase the business on the same terms as agreed upon with a third-party buyer.
Healer Team shall have fifteen (15) days from the date of receipt of the written offer
from the seller to exercise its right of first refusal.
 The buyer or transferee must become a qualified Independent Affiliate. Before the sale,
transfer or assignment can be finalized and approved by Healer Team, any debt
obligations the selling party has with Healer Team must be satisfied.
 The selling party must be in good standing and not in violation of any of the terms of the
Agreement in order to be eligible to sell, transfer or assign a Healer Team Independent
Affiliate business.
Prior to selling a Business Entity interest, the selling party must notify Healer Team’s
Compliance Department in writing and advise of his or her intent to sell Healer Team’s business
or Business Entity interest. The selling party must also receive written approval from the
Compliance Department before proceeding with the sale.
4.24 - Separation of a Healer Team Independent Affiliate Business
In the event of a dissolution of marriage of a Healer Team Independent Affiliate, and a spouse,
arrangements must be made to assure that any division of the business assets is accomplished
so as not to adversely affect the interests and income of other businesses up or down the line
of sponsorship. If the separating parties fail to provide for the best interests of other
Independent Affiliates and the Company, Healer Team may be forced to involuntarily terminate
the Independent Affiliate Agreement. Healer Team will make no arrangements without court
approval or direction.
4.25 - During the pendency of a divorce or dissolution, the Company shall treat the business
according to the status quo as existed prior to the filing of the divorce or dissolution.
Under no circumstances will the Downline Organization of divorcing spouses be divided.
Similarly, under no circumstances will Healer Team split commission and bonus checks between
divorcing spouses. Healer Team will recognize only one Downline Organization and will issue
only one commission check per Healer Team business per commission cycle. Commission
checks shall always be issued to the individual whose name appears on the Independent
Affiliate Agreement. Healer Team will in no case be liable or responsible for any error in
payment to either party to the divorce.
4.26 - Sponsoring

All active Independent Affiliates in good standing have the right to sponsor and enroll others
into Healer Team. Each prospective Independent Affiliate has the ultimate right to choose his or
her own sponsor. If two Independent Affiliates claim to be the sponsor of the same new
Independent Affiliate, the Company shall regard the first application received by the Company
as controlling.

4.27 - Telemarketing
The Federal Trade Commission and the Federal Communications Commission each have laws
that restrict telemarketing practices.
Both federal agencies (as well as a number of states) have “do not call” regulations as part of
their telemarketing laws. While you may not consider yourself a “telemarketer” in the
traditional sense of the word, these regulations broadly define the term “telemarketer” and
“telemarketing” so that your inadvertent action of calling someone whose telephone number is
listed on the federal “do not call” registry could cause you to violate the law. Moreover, these
regulations must not be taken lightly, as they carry significant penalties (up to $11,000.00 per
Therefore, Independent Affiliates must not engage in telemarketing relative to the operation of
their Healer Team businesses. The term “telemarketing” means the placing of one or more
telephone calls to an individual or entity to induce the purchase of a Healer Team product or
service, or to recruit them for the Healer Team opportunity. “Cold calls” made to prospective
customers or Independent Affiliates that promote either Healer Team’s products or services or
the Healer Team opportunity constitute telemarketing and are prohibited. However, a
telephone call(s) placed to a prospective customer or Independent Affiliate (a “prospect”) is
permissible under the following situations:
• If the Independent Affiliate has an established business relationship with the prospect. An
“established business relationship” is a relationship between an Independent Affiliate and a
prospect based on the prospect’s purchase, rental or lease of goods or services from the
Independent Affiliate, or a financial transaction between the prospect and the Independent
Affiliate, within the 18 months immediately preceding the date of a telephone call to induce the
prospect’s purchase of a product or service.
• The prospect’s personal inquiry or application regarding a product or service offered by the
Independent Affiliate within the 3 months immediately preceding the date of such a call.
• If the Independent Affiliate receives written and signed permission from the prospect
authorizing the Independent Affiliate to call. The authorization must specify the telephone
number(s) that the Independent Affiliate is authorized to call.
• You may call family members, personal friends and acquaintances. An “acquaintance” is
someone with whom you have at least a recent first-hand relationship (i.e., you have recently
personally met him or her). Bear in mind, however, that if you make a habit of “card collecting”
with everyone you meet and subsequently calling them, the FTC may consider this a form of
telemarketing that is not subject to this exemption. Thus, if you engage in calling
“acquaintances,” you must make such calls on an occasional basis only and not make this a
routine practice.

In addition, Independent Affiliates shall not use automatic telephone dialing systems relative to
the operation of their Healer Team businesses. The term “automatic telephone dialing system”
means equipment which has the capacity to (a) store or produce telephone numbers to be
called using a random or sequential number generator and (b) to dial such numbers.
5.1 - Change of Address or Telephone
To ensure timely delivery of products, support materials and commission checks, it is critically
important that Healer Team’s files are current. Independent Affiliates planning to move should
mail Healer Team corporate office, at 41525 Cherry St. Murrieta, California 92562, their new
address and telephone numbers. In the alternative, Independent Affiliate may email Healer
Team at customer service email provided on website. To guarantee proper delivery, two-weeks
advance notice to Healer Team is recommended on all changes.
5.2 - Continuing Development Obligations
5.2.1 - Ongoing Training
Any Independent Affiliate who sponsors another Independent Affiliate into Healer Team must
perform a bona fide assistance and training function to ensure that his or her Downline is
properly operating his or her Healer Team business. Independent Affiliates must have ongoing
contact and communication with the Independent Affiliates in their Downline Organizations.
Examples of such contact and communication may include, but are not limited to, newsletters,
written correspondence, personal meetings, telephone contact, voice mail, electronic mail and
the accompaniment of Downline Independent Affiliates to Healer Team meetings, training
sessions, and other functions. Upline Independent Affiliates are also responsible to motivate
and train new Independent Affiliates in Healer Team product knowledge, effective sales
techniques, the Healer Team Compensation Plan and compliance with Company Policies and
Procedures. Communication with and the training of Downline Independent Affiliates must not,
however, violate Section 4.2 (regarding the development of Independent Affiliate-produced
sales aids and promotional materials). Independent Affiliates cannot charge for training.
Upon request, every Independent Affiliate should be able to provide documented evidence to
Healer Team of his or her ongoing fulfillment of the responsibilities of a sponsor.
5.2.2 - Increased Training Responsibilities
As Independent Affiliates progress through the various levels of leadership, they will become
more experienced in sales techniques, product knowledge and understanding of the Healer
Team program. They will be called upon to share this knowledge with lesser-experienced
Independent Affiliates within their organization.
5.2.3 - Ongoing Sales Responsibilities
Regardless of their level of achievement, Independent Affiliates have an ongoing obligation to
continue to personally promote sales through the generation of new customers or merchants
and through servicing their existing customers or merchants.

5.3 – Non-disparagement
Healer Team wants to provide its Independent Affiliates with the best products, compensation
plan and service in the industry. Accordingly, we value your constructive criticisms and
comments. All such comments should be submitted in writing to the Healer Team corporate
offices. While Healer Team welcomes constructive input, negative comments and remarks
made in the field by Independent Affiliates about the Company, its products or Compensation
Plan serve no purpose other than to sour the enthusiasm of other Healer Team Independent
Affiliates. For this reason, and to set the proper example for their Downline, Independent
Affiliates must not disparage, demean or make negative remarks about Healer Team, other
Healer Team Independent Affiliates, Healer Team’s services, the Compensation Plan or Healer
Team’s directors, officers or employees.
5.4 - Providing Documentation to Applicants
Independent Affiliates must provide the most current version of the Policies and Procedures
and the Compensation Plan to individuals whom they are sponsoring to become Independent
Affiliates before the applicant signs an Independent Affiliate Agreement. Additional copies of
Policies and Procedures can be found on the Healer Team website at
https://www.healerteam.net/, or in your business center under the forms section.
5.5 - Reporting Policy Violations
Independent Affiliates observing a policy violation by another Independent Affiliate should
submit a written report of the violation directly to the attention of the Healer Team Compliance
Department. Details of the incident(s), such as dates, number of occurrences, persons involved
and any supporting documentation, should be included in the report.
6.1 - Product Sales
The Healer Team Compensation Plan is based upon the sale of Healer Team products and
services to end user consumers. Independent Affiliates must fulfill personal and Downline
organization sales requirements (as well as meet other responsibilities set forth in the
Agreement) to be eligible for bonuses, commissions and advancement to higher levels of
6.2 – Retail Sales
Healer Team wants to ensure that prices for its products and services are not destabilized when
sold through a retailing environment. Therefore, Products sold in a retail environment will be
subject to a minimum advertised retail price. The minimum advertised price of Healer Team’s
products sold in a retail environment (such as a grocery store, eBay, convenience store, market,
etc.) is listed on the Healer Team website. Any Independent Affiliate who knowingly fails to
honor the minimum price set by Healer Team for its products and services will be subject to
Sales of Healer Team products through on-line auction sites, such as Ebay are prohibited, unless
such sale is done using a fixed price which is not below the minimum advertised retail price.

6.3 - Territory Restrictions
There are no exclusive territories granted to anyone. No franchise fees are required.

7.1 - Bonus and Commission Qualifications
An Independent Affiliate must be active and in compliance with the Agreement and these
policies to qualify for bonuses and commissions. So long as an Independent Affiliate complies
with the terms of the Agreement and these policies, Healer Team shall pay commissions to such
Independent Affiliate in accordance with the Compensation Plan. The minimum amount for
which Healer Team will issue a commission payment is $25.00.
7.2 - Commission Payments and Promotions
7.2.1 - Payments, Calculations, and Bonuses
Commissions will be mailed out in accordance with the Compensation Plan. Commissions will
be calculated according to the level for which an Independent Affiliate actually satisfied all of
the requirements according to the Compensation Plan rather than the highest rank or title
achieved. Commission reports will be provided to Independent Affiliates on-line, via web
7.2.2 - Promotions
Promotions are determined based on business organization and sales activity for each
applicable period.
7.3 - Adjustment to Bonuses and Commissions
7.3.1 - Adjustments for Returned Products
Independent Affiliates receive bonuses and commissions based on the actual enrollment for
services to merchants. When a service is cancelled and refund is authorized by the Company,
the bonuses and commissions attributable to the refunded service(s) will be deducted in the
month in which the refund is given, and continuing every pay period thereafter until the
commission is recovered from the Independent Affiliates who received bonuses and
commissions on the sales of the refunded service(s).
7.4 - Unclaimed Commissions and Credits
7.4.1 - Independent Affiliates must deposit or cash commission and bonus checks within six
months from their date of issuance. A check that remains uncashed after six months will be
void. There shall be a $50.00 charge for reissuing a check. These charges shall be deducted from
the balance owed to the Independent Affiliate.

7.5 - Reports
All information provided by Healer Team in online or telephonic Downline Activity Reports,
including but not limited to personal and group sales volume (or any part thereof), and

Downline sponsoring activity is believed to be accurate and reliable. Nevertheless, due to
various factors, including the inherent possibility of human and mechanical error; the accuracy,
completeness and timeliness of orders; denial of credit card and electronic check payments;
returned products; and credit card and electronic check charge-backs, the information is not
guaranteed by Healer Team or any persons creating or transmitting the information. All
personal and group sales volume information is provided “as is” without warranties, expressed
or implied, or representations of any kind whatsoever. In particular, but without limitation,
there shall be no warranties of merchantability, fitness for a particular use or non-infringement.
To the fullest extent permissible under applicable law, Healer Team and/or other persons
creating or transmitting the information will in no event be liable to any Independent Affiliate
or anyone else for any direct, indirect, consequential, incidental, special or punitive damages
that arise out of the use of or access to personal and group sales volume information (including
but not limited to lost profits, bonuses, or commissions, loss of opportunity and damages that
may result from inaccuracy, incompleteness, inconvenience, delay or loss of the use of the
information), even if Healer Team or other persons creating or transmitting the information
shall have been advised of the possibility of such damages. To the fullest extent permitted by
law, Healer Team or other persons creating or transmitting the information shall have no
responsibility or liability to you or anyone else under any tort, contract, negligence, strict
liability, products liability or other theory with respect to any subject matter of this agreement
or terms and conditions related thereto.
Access to and use of Healer Team’s online reporting services and your reliance upon such
information is at your own risk. All such information is provided to you “as is.” If you are
dissatisfied with the accuracy or quality of the information, your sole and exclusive remedy is to
discontinue use of and access to Healer Team’s online reporting services and your reliance
upon the information.
8.1 - Retail Sales
Personal service and retail sales to the customer are the foundation of Healer Team. The entire
commission structure is based upon volume of retail sales referred by the individual
Independent Affiliate as well as their entire organization.
8.2 -Voluntary Cancellation of Contract
Requests by a Healer Team Independent Affiliate to return their sales aids for a refund will be
treated as a request to voluntarily cancel that Independent Affiliate business. If an Independent
Affiliate wishes to return sales aids purchased within the last 3-month period, the Company
shall repurchase the sales aids and the Independent Affiliate’s Agreement shall be canceled. An
Independent Affiliate may only return sales aids purchased by him or her that are in new and
resalable condition.
Upon receipt of the sales aids, the Independent Affiliate will be reimbursed 90% of the cost of
the original purchase price(s), not to include shipping and handling charges. If the purchases
were made through a credit card, the refund will be credited back to the same account.

• Independent Affiliate must inform the company of intent to exercise the sales aid buy-back
option within 10 business days of resignation notice.
• All products to be returned for refund under this provision must be approved in advance of
shipment to Healer Team, by calling the Customer Services Department.
• Independent Affiliate will be asked to submit invoices detailing the sales aid items to be
• Upon approval from the company, returns may be sent to the company’s headquarters and
must be accompanied by an invoice copy for each item.
8.3 - Montana Residents
A Montana resident may cancel his or her Independent Affiliate Agreement within 15 days from
the date of enrollment and may receive a full refund within such time period for good and
resalable sales aids or trainings that have not been attended.
9.1 - Disciplinary Sanctions
Violation of the Agreement, these Policies and Procedures or any illegal, fraudulent, deceptive
or unethical business conduct by an Independent Affiliate may result, at Healer Team’s
discretion, in one or more of the following corrective measures:
• Issuance of a written warning or admonition;
• Requiring the Independent Affiliate to take immediate corrective measures;
• Imposition of a fine, which may be withheld from bonus and commission checks;
• Loss of rights to one or more bonus and commission checks;
• The withholding from an Independent Affiliate of all or part of the Independent Affiliate’s
bonuses and commissions during the period that Healer Team is investigating any conduct
allegedly in violation of the Agreement. If an Independent Affiliate’s business is canceled for
disciplinary reasons, the Independent Affiliate will not be entitled to recover any commissions
withheld during the investigation period;
• Suspension of the individual’s Independent Affiliate Agreement for one or more pay periods;
• Involuntary termination of the offender’s Independent Affiliate Agreement;
• Any other measure expressly allowed within any provision of the Agreement or that Healer
Team deems practicable to implement and appropriate to equitably resolve injuries caused
partially or exclusively by the Independent Affiliate’s policy violation or contractual breach; or
• In situations deemed appropriate by Healer Team, the Company may institute legal
proceedings for monetary and/or equitable relief.
9.2 - Grievances and Complaints
When an Independent Affiliate has a grievance or complaint with another Independent Affiliate
regarding any practice or conduct in relationship to their respective Healer Team businesses,
the complaining Independent Affiliate should first report the problem to his or her sponsor,
who should review the matter and try to resolve it with the other party’s Upline sponsor. If the
matter cannot be resolved, it must be reported in writing to the Company. The Company will
review the facts and determine if a policy violation has occurred and take appropriate action.

9.3 - Arbitration
Any controversy or claim arising out of or relating to the Agreement, or the breach thereof,
shall be settled by arbitration administered by the American Arbitration Association or other
recognized arbitration service, under its Commercial Arbitration Rules, and judgment on the
award rendered by the arbitrator may be entered in any court having jurisdiction thereof.
Independent Affiliates waive all rights to trial by jury or to any court. All arbitration proceedings
shall be held in the County of Riverside, State of California, unless the laws of the state in which
an Independent Affiliate resides expressly require the application of its laws, in which case the
arbitration shall be held in the capital of that state. All parties shall be entitled to all discovery
rights pursuant to the Federal Rules of Civil Procedure. There shall be one arbitrator, an
attorney at law, who shall have expertise in business law transactions, with a strong preference
being an attorney knowledgeable in the direct selling industry, selected from the panel that the
American Arbitration Panel provides. The prevailing party shall be entitled to receive from the
losing party, OR each party to the arbitration shall be responsible for its own, costs and
expenses of arbitration, including legal and filing fees. The decision of the arbitrator shall be
final and binding on the parties and may, if necessary, be reduced to a judgment in any court of
competent jurisdiction. This agreement to arbitration shall survive any termination or
expiration of the Agreement.
Nothing in these Policies and Procedures shall prevent Healer Team from applying to and
obtaining from any court having jurisdiction a writ of attachment, a temporary injunction,
preliminary injunction, permanent injunction or other relief available to safeguard and protect
Healer Team’s interest prior to, during or following the filing of any arbitration or other
proceeding or pending the rendition of a decision or award in connection with any arbitration
or other proceeding.
9.4 - Governing Law, Jurisdiction and Venue
Jurisdiction and venue of any matter not subject to arbitration shall reside in Riverside County,
State of California. The Federal Arbitration Act shall govern all matters relating to arbitration.
The law of the State of California shall govern all other matters relating to or arising from the
9.4.1 - Louisiana Residents: Notwithstanding the foregoing, Louisiana residents may bring an
action against the Company with jurisdiction and venue as provided by Louisiana law.

10.1 - Effect of Cancellation
So long as an Independent Affiliate remains active and complies with the terms of the
Independent Affiliate Agreement and these Policies and Procedures, Healer Team shall pay
commissions to such Independent Affiliate in accordance with the Compensation Plan. An
Independent Affiliate’s bonuses and commissions constitute the entire consideration for the
Independent Affiliate’s efforts in generating sales and all activities related to generating sales
(including building a Downline Organization). Following an Independent Affiliate’s termination
for inactivity, or voluntary or involuntary termination of his or her Independent Affiliate

Agreement (all of these methods are collectively referred to as “termination”), the former
Independent Affiliate shall have no right, title, claim or interest to the marketing organization
that he or she operated, or any commission or bonus from the sales generated by the
organization. An Independent Affiliate whose business is terminated will lose all rights as an
Independent Affiliate. This includes the right to sell Healer Team products and services and the
right to receive future commissions, bonuses or other income resulting from the sales and
other activities of the Independent Affiliate’s former Downline sales organization. In the event
of termination, Independent Affiliates agree to waive all rights they may have, including but not
limited to property rights, to their former Downline organization and to any bonuses,
commissions or other remuneration derived from the sales and other activities of his or her
former Downline organization.
Following an Independent Affiliate’s termination of his or her Independent Affiliate Agreement,
the former Independent Affiliate shall not hold himself or herself out as a Healer Team
Independent Affiliate. An Independent Affiliate whose Independent Affiliate Agreement is
terminated shall receive commissions and bonuses only for the last full pay period he or she
was active prior to cancellation (less any amounts withheld during an investigation preceding
an involuntary termination).
10.2 - Involuntary Termination
An Independent Affiliate’s violation of any of the terms of the Agreement, including any
amendments that may be made by Healer Team in its sole discretion, may result in any of the
sanctions listed in Section 9.1, including the involuntary termination of his or her Independent
Affiliate Agreement. Cancellation shall be effective on the date on which written notice is
mailed, faxed or delivered to an express courier to the Independent Affiliate’s last known
address (or fax number), or to his or her attorney, or when the Independent Affiliate receives
actual notice of termination, whichever occurs first.
10.3 - Voluntary Termination
An Independent Affiliate has a right to cancel, at any time, regardless of reason. Termination
must be submitted in writing to the Company at its principal business address. The written
notice must include the Independent Affiliate’s signature, printed name, address and
Independent Affiliate ID number. Independent Affiliates who have resigned may re-apply to
become an Independent Affiliate with Healer Team after 6 months. An Independent Affiliate’s
position is subject to termination due to inactivity (i.e., merchant enrollments, no commissions,
no sponsoring; and no attendance at any Healer Team functions, participation in any other
form of Independent Affiliate activity, or operation of any other Healer Team business) after
being inactive for 6 full calendar months.
10.4 - Non-Renewal
An Independent Affiliate may also voluntarily cancel his or her Independent Affiliate Agreement
by failing to maintain the Agreement annually. The Company may also elect not to renew an
Independent Affiliate’s Agreement.
10.5- Complete Agreement

These Policies and Procedures, any and all modifications made by the Company, along with the
Terms and Conditions and the Compensation Plan make up the entire agreement between

Independent Affiliate and Company.