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Agent Terms Conditions





The Independent Agent Agreement, and Terms & Conditions are specifically incorporated herein by reference. 

They form the Agreement between:

National Credit Store ("Company") and the Independent Sales Agent.  They shall be effective only upon acceptance by the Company, at its corporate office:

National Credit Store, LLC
4301 Orchard Lake Road 
West Bloomfield, MI 48323
United States


Independent Sales Agent AGREES:


1. Independent Sales Agent is of legal age in the state/province or country in which he/she resides.


2. Any Independent Sales Agent who sponsors another Independent Sales Agent or received a Bonus or Commission on the product sales of another Independent Sales Agent must fulfill the obligation of performing a bona fide supervisory, distributing and selling function in the sale or delivery of product to the ultimate consumer and in the training of those sponsored. Independent Sales Agent must have ongoing contact, communication and arrangement with his or her sales organization.  Examples may include, but not limited to: email, newsletters, correspondence, meetings, telephone contact, accompanying individuals to company training sessions and sharing genealogy information with those sponsored.  Independent Sales Agent should be able to provide evidence to the Company quarterly of ongoing fulfillment of sponsor responsibilities.


3. Independent Sales Agent understands that he/she is not compensated for sponsoring other Independent Sales Agents but earns compensation solely onsale of products and/or services to ultimate consumers.


4. Applicant is, upon acceptance, an "Independent Contractor", called Independent Sales Agent, conducting business for her/his own account and not as an agent, employee, or franchisee for the Company.  As such, Independent Sales Agent in the United States must provide his/her Social Security or Federal Tax ID Number for tax reporting purposes on any monies earned within the country.  All Independent Sales Agents should consult their attorney or tax consultant for information on monies earned and where received.  The Independent Sales Agent further understands that s/he will not be treated as an employee in regard to any laws covering employees.  An Independent Contractor shall be responsible for obtaining any licenses required by law in whatever State, County or Country in which they reside, and pay all applicable fees and taxes.


5. Independent Sales Agent agrees to accept sole responsibility for all self-employment and all legal country/federal and state and local income and sales taxes and any other taxes on income earned as an Independent Sales Agent. The Company will file appropriate tax earnings report forms on each Independent Sales Agent at the close of the calendar year for the amount of commissions and bonuses earned in their country of residence under this agreement.


6. Independent Sales Agent agrees that the Company is not be liable for city, county, state, local and country/federal income taxes, sales taxes or other fees pertaining to sales and earnings of a Independent Sales Agent and Independent Sales Agent will hold the company harmless from all of same.


7. Independent Sales Agent SHALL NOT promote or sell other companies’ sales programs, products or Company functions, or on websites where Company is mentioned or use the Company forms or printed materials or its name and prestige, or drawing power in conjunction with or in support of any other activities.


8. Independent Sales Agent shall not sponsor or attempt to sponsor another Company Independent Sales Agent into another Direct Sales and/or Network Marketing Company except for her/his personally sponsored Independent Sales Agents.  In addition, no Independent Sales Agent shall participate in any action that causes an Independent Sales Agent to be sponsored through someone else into another company.


9. Independent Sales Agent will make no claims as to income potential either written or oral except those prepared by the company for illustration purposes only.


10. Independent Sales Agent will not make any claims of any kind pertaining to benefits of the company’s products and services except those given in official company promotional media.  When presenting the Company program to others, Independent Sales Agent shall present the program in its entirety, without omission, distortion or misrepresentation.


11. Independent Sales Agent shall not represent or imply, directly or indirectly, that the company has been approved or endorsed by any governmental agency.  Federal and State regulatory agencies do not approve or endorse any marketing company product or programs.


12. Independent Sales Agent will indemnify and hold the company harmless from any and all claims, expenses, costs, causes of action and damages resulting from or growing out of Independent Sales Agent statements or actions in violation of this agreement.


13. Should Independent Sales Agent be terminated for cause, Independent Sales Agent's sales organization may be transferred to his/her first active upline Independent Sales Agent at Company's sole discretion.


14. A terminated Independent Sales Agent will be eligible to reapply and may choose a new sponsor after six (6) months. A terminated Independent Sales Agent that reenters the program may not sponsor any of her/his original downline organization.


15. Independent Sales Agent understands that company does not permit changing of sponsors.  Network Marketing is a business of creating relationships.  Once an Independent Sales Agent is sponsored, the Company believes in maximum protection of that relationship.


16. Independent Sales Agent hereby supplies National Credit Store with his/her signature for Company files and understands that this signature is the signature of record for all debit card, ACH and any future credit card transactions.


17. Independent Sales Agent understands that he/she is paid weekly and monthly.


18. Independent Sales Agent without a sales tax ID number authorizes Company to remit to proper agencies the sales/use tax generated as a result of Independent Sales Agent's product sales.


19. Independent Sales Agent understands Company will provide Independent Sales Agent a replicated Web Page, when available as part of the company business kit.  Company will deliver all items upon receipt of good funds. 


20. As an Independent Contractor, Independent Sales Agent is aware of the quality of products offered by the Company and other costs and contractual obligations that occur when she/he purchases products from Company. Independent Sales Agent understands that he/she maintains a greater responsibility when ordering on a credit card account as an informed Independent Sales Agent than when ordering as a customer.  Independent Sales Agent therefore waives the right of cancellation or refund on any order placed on his/her credit card account(s) except directly through the Company.  Any order returns, refunds or exchanges shall be done through Company and not through any credit card company.


21. In the event that any check (monies) by any method is returned unpaid, I authorize National Credit Store to debit my account for the face amount plus up to a 10% failed payment processing fee.  If said amount remains unpaid, I understand that I could lose my current status and that until my account is brought current I could forfeit certain rights and privileges, including commissions.


22. Independent Sales Agent understands that USA residents in the States of Maine, North Dakota, Michigan, Indiana, Iowa and West Virginia are limited to a total of $495.00 in sales aids and wholesale product purchases from the Company during the first six months.  Purchases shall be automatically modified to comply with the exemption requirements set forth in any country/state’s laws regulating business opportunities. 


National Credit Store AGREES:


1. Company will pay Independent Sales Agent commissions and bonuses on orders received and accepted for sale of products to the ultimate consumer (not sales aids) made by Independent Sales Agent and his/her sales organization under the terms of Compensation Plan.


2. Company will retain full authority to accept or reject any Application or any order for products.  Such refusal is solely within the discretion of the Company.  No right of action against Company will arise because of any such acceptance or refusal.


3. Company reserves the right to amend, revise, institute, alter or modify changes including but not limited to prices, literature, policies, this Agreement and the Compensation Plan.  Any such revisions become effective by email, letter(s) or by publication in official company literature or posted to Independent Sales Agent at his or her last known address.  Independent Sales Agent agrees to be bound by these changes.  Changes will become part of the agreement upon notification.  The Independent Agent Compensation Plan, Policies and Procedures, and all modifications thereafter, are incorporated into and are a part of this agreement.


4. Company shall not be responsible for acts beyond its control, including but, not limited to: fire, flood, earthquake, storms, power outages, labor difficulty, equipment failure, supplier problems, or other difficulties that might prevent performance according to this agreement.


5. Company assumes no liability for personal injury arising from use or mishandling of any of the Company product(s).


6. Company does not require Independent Sales Agent to sponsor and does not require any initial product purchase to be a Independent Sales Agent.


7. Company reserves the right to terminate this agreement immediately upon receipt of sufficient information that Independent Sales Agent has violated any term or condition of this agreement or has otherwise acted illegally or unethically.


8. Company will honor refund policies provided by any governmental law applicable to Independent Sales Agent.


9. Company requires all Independent Sales Agent obey the letter and the spirit of the law.

10. I have not violated any non-competition, non-compete, non-solicitation, or confidentiality agreement entered into with any other organization or entity, and by becoming an Independent Sales Agent for National Credit Store will not be violating any agreement or contract, including non-competition, non-compete, non-solicitation entered in with any other organization.


11. A participant in this Network Marketing plan has the right to cancel at any time, regardless of any reason. Cancellation must be in writing and submitted via certified/registered mail with a return receipt to the company at its principal business address: 4301 Orchard Lake Road, Suite 180-220, West Bloomfield, MI 48323. 


12.  By selecting the checkbox, I agree, you indicate that you have carefully read this agreement and that you willingly accept all the terms and conditions herein and shall abide by the same as may be amended from time-to-time. Independent Sales Agent hereby supplies National Credit Store with his/her signature for Company files and understands this electronic signature is the signature of record for all debit card, ACH and any future credit card transactions.

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