Network Marketing Terms & Conditions

1. Definitions

• Independent Members/Member: A person who joins the network to market and sell the company's services/products.
• Downline: Members who introduce New Genesis under a specific member.
• Upline: The sponsor of a given member.
• Commission: Payment earned through legitimate network marketing activities.
• Direct Selling: The marketing and distribution of products/services directly to consumers.

2. Membership Eligibility

• Must be 18 years or older.
• Must have a valid South African ID or legal residency permit.
• Must have an active New Genesis funeral policy.
• Must agree to all terms and complete the MLM registration process.
• Must comply with South African consumer protection laws.

3. Commission Structure

• Commission will only be paid if the member has paid their New Genesis monthly premiums. No premium. No commission.
• Members are paid when their downline member pays their monthly premium.
• Recurring commissions are earned as long as the client pays and maintains active membership.
• Bonuses may be earned through rank advancements or targets met (subject to South African consumer law).
• All commissions are declared to SARS and subject to South African tax regulations.

4. Payout Terms

• Commissions are paid monthly into the registered South African bank account.
• All payments comply with South African financial regulations and anti-money laundering laws.
• Payments are subject to verification of all transactions and member eligibility.
• Any disputes must be lodged within 7 days of payout in accordance with consumer protection laws.
• Minimum payout thresholds may apply as per South African banking regulations.

5. Code of Conduct & South African Law

• No misrepresentation of products, services, or earnings potential.
• No false claims, coercion, harassment, or pyramid scheme activities (illegal under South African law).
• Members must follow POPIA and all relevant South African data protection laws.
• All marketing materials must be approved and comply with consumer protection regulations.
• Fair trading practices must be maintained at all times.
• No discrimination or unfair business practices.

6. Termination

The company reserves the right to terminate membership due to breach of South African law or company policy:

• Fraudulent activity or violation of consumer protection laws
• Misconduct or misrepresentation
• Breach of contract or these terms
• Non-compliance with South African regulatory requirements
• Failure to maintain active membership status

Termination will be handled in accordance with South African employment and consumer protection legislation.

7. Transfer of Commissions Upon Death

• Upon written instruction, commissions may be transferred to a listed beneficiary (spouse or next of kin).
• Legal proof (death certificate and ID of beneficiary) must be submitted.
• All transfers comply with South African inheritance and estate laws.
• Beneficiary nominations must be updated regularly.

8. Tax Responsibility

• All members are responsible for declaring their earnings to SARS.
• The company will not withhold PAYE unless contracted as an employee.
• Tax certificates (IT3(a) forms) will be issued annually as required by South African tax law.
• Members must maintain accurate records for tax purposes.

9. Product & Policy Ownership

• All client policies and products remain under the control of New Genesis.
• Members do not own the client database or customer information.
• All marketing and sales activities must promote New Genesis products and services.
• Intellectual property rights remain with New Genesis.

10. Confidentiality & Data Protection

• Members must keep client and company information confidential.
• No unauthorized disclosure of personal information or trade secrets.
• All data handling must comply with POPIA and other privacy legislation.
• Marketing activities must respect consumer privacy rights.

11. Amendments & Updates

• The company may update terms with reasonable notice to members.
• Continued participation implies acceptance of changes.
• All updates comply with South African consumer protection laws.
• Members will be notified of significant changes via email.

12. Dispute Resolution

• Disputes will be resolved through South African legal channels.
• Consumer complaints may be lodged with the Consumer Commission.
• The company commits to fair and transparent dispute resolution.
• All resolutions comply with South African consumer protection legislation.