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By using this site or by clicking “I agree” to this Agreement, you (“User”) signify your agreement to these terms and conditions. If you do not agree to this Agreement please do not use this site and do not click “I agree”. Please check this Agreement periodically for changes as the owner of this site (“Company”) reserves the right to revise this Agreement. In the event of a change to this Agreement, your continued use of this site following the posting of any changes constitutes acceptance of such changes. The Company reserves the right to terminate a User’s use of this site at any time without notice and may do so for any breach of this Agreement.YOU MUST BE 18 OR OLDER TO AGREE TO THIS AGREEMENT AND USE THIS SITE
This Agreement must be completed, understood and agreed to by a person over 18. If a parent or guardian wishes to permit a person under 18 to access this site, he or she should email the Company with his or her explicit permission and acceptance of full legal responsibility. If you are not yet 18 or are accessing this site from any country where this material is prohibited, please exit now as you do not have proper authorization.LICENSE TO USE THIS SITE
Upon your agreement, Company hereby grants you a non-exclusive, non-transferable limited license to use this site in strict accordance with the terms and conditions in this Agreement. You agree not to make any false or fraudulent statements as you use this site. You acknowledge and agree that all content and services available on this site are property of the Company and are protected by copyrights, trademarks, service marks, patents, trade secrets, and other proprietary rights and laws, in the U.S. and internationally. All rights not expressly granted herein are fully reserved by the Company, its advertisers and licensors. You agree to pay for any and all purchases and services using your name and credit card through this Site, not to challenge any such charges and to pay for all collections and/or attorneys fees resulting from any non-payment.LICENSE RESTRICTIONS Use
Except as may be explicitly permitted, you agree not to save, download, cut and paste, sell, license, rent, lease, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from materials from this site. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, database or directory without written permission from the Company is prohibited. In addition, use of the content or materials for any purpose not expressly permitted in this Agreement is prohibited.Security
You agree that if you are issued a Username and Password by the Company, you shall use your best efforts to prevent access to this site through your Username and Password by anyone other than yourself, including but not limited to, keeping such information strictly confidential, notifying the Company immediately if you discover loss or access to such information by an unauthorized party and by using a secure Username and Password not easily guessed by a third party.
You agree that you shall not try to reverse assemble, reverse compile, decompile, disassemble, translate or otherwise alter any executable code, contents or materials on or received via this site. You understand that such actions are likely to subject you to serious civil and criminal legal penalties and that the Company shall pursue such penalties to the full extent of the law to protect its rights and the rights of its other licensors.Export
You agree that you shall comply with all applicable export and import control laws and regulations in your use of this site, or materials or services received through this site, and, in particular, you shall not export or re-export anything on or received through this site in violation of local or foreign export laws and/or without all required U.S. and foreign government licenses.Government Use
If you are a branch or agency of the U.S. Government, the following provision applies. This site, code, contents, services and accompanying documentation are comprised of “commercial computer software” and “commercial computer software documentation” as such terms are used in 48 C.F.R. 12.212 (SEPT 1995) and are provided to the Government (i) for acquisitions by or on behalf of civilian agencies, consistent with the policy set forth in 48 C.F.R. 12.212; or (ii) for acquisitions by or on behalf of units of the Department of Defense, consistent with the policies set forth in 48 C.F.R. 227.7202-1 (JUN 1995) and 227.7202-3 (JUN 1995. Unpublished rights reserved under the copyright laws of the United StatesErrors and Corrections
While we use reasonable efforts to include accurate and current information on our Site, we do not warrant or represent that the Site will be error-free. Data entry errors or other technical problems may sometimes result in inaccurate information being shown. We reserve the right to correct any inaccuracies or typographical errors on our Site, including pricing and availability of products and services, and shall have no liability for such errors. We may also make improvements and/or changes to the Site’s features, functionality, or content at any time. If you see any information or description you believe to be incorrect, please contact us and we’ll verify it for you.LINKS TO OTHER WEBSITES
Except with regard to personal information, all information which you post on this site or communicate to the Company through this site (collectively “Submissions”) shall forever be the property of the Company. The Company shall not treat any submission as confidential and shall not incur any liability as a result of any similarities that may appear in future Company services or products. Without copy, the Company shall have exclusive ownership of all present and future existing rights to any Submission of every kind and nature everywhere. You acknowledge that you are fully responsible for the message, including its legality, reliability, appropriateness, originality and copyright. You hereby represent and warrant that your Submission does not infringe the rights of any third party.USER CONDUCT
By using features of this site that allow you to post or otherwise transmit information to or through this site, or which may be seen by other users, you agree that you shall not upload, post, or otherwise distribute or facilitate distribution of any content – including text, communications, video, software, images, sounds, data, or other information – that:
A. is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another’s privacy, tortious, obscene, sexually explicit or graphic, or otherwise in violation of this site’s rules or policies;
B. infringes any patent, trademark, service mark, trade secret, copyright, moral right, right of publicity, privacy or other proprietary right of any party;
C. constitutes unauthorized or unsolicited advertising, junk or bulk email (also known as “spamming”), chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling;
D. contains software viruses or any other computer code, files, or programs that are designed or intended to disrupt, damage, or limit the functioning of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party; or
E. impersonates any person or entity, including any employee or representative of this site, its licensors or advertisers.
You also agree that you shall not harvest or collect information about the users of this site or use such information for the purpose of transmitting or facilitating transmission of unsolicited bulk electronic email or communications for any other commercial purpose of your own or a third party.
You further agree that you shall not solicit or collect information, or attempt to induce any physical contact with, anyone 18 years old or younger without appropriate parental consent.
This site generally does not pre-screen, monitor, or edit the content posted by users of this site. However, this site and its agents have the right, at their sole discretion, to remove any content that, in this site’s sole judgment, does not comply with the Site Submission Rules or is otherwise harmful, objectionable, or inaccurate. This site is not liable for any failure, delay, damages or results, in removing such content.
You agree that your use of this site may be suspended or terminated immediately upon receipt of any notice which alleges that you have used this site in violation of these Rules and/or for any purpose that violates any local, state, federal or law of other nations, including but not limited to the posting of information that may violate third party rights, that may defame a third party, that may be obscene or pornographic, that may harass or assault other, that may violate hacking or other criminal regulations, etc. of its agents, officers, directors, contractors or employees. In such event, you agree that the owner of this site may disclose your identity and contact information, if requested by a government or law enforcement body or as a result of a subpoena or other legal action, and the owner of this site shall not be liable for damages or result of a subpoena or other legal action, and the owner of this site shall not be liable for damages or results thereof, and you agree not to bring any action or claim against the owner of this site for such disclosure.INTELLECTUAL PROPERTY RIGHTS 1. Copyright
The Site design, text, content, selection and arrangement of elements, organization, graphics, compilation, magnetic translation, digital conversion, and other matters related to the Site are protected under applicable copyright laws, ALL RIGHTS RESERVED. The posting of any such elements on the Site does not constitute a waiver of any right in such elements. You do not acquire ownership rights to any such elements viewed through the Site. Except as otherwise provided herein, none of these elements may be used, copied, reproduced, downloaded, posted, displayed, transmitted, mechanical, photocopying, recording, or otherwise, without Company’s prior written permission.2. Trademark
Karmora name, logo, and all product names, company names, and other logos, unless otherwise noted, are trademarks and/or trade dress of Karmora. The use or misuse of any marks or any other materials contained on the Site, without the prior written permission of their owner, is expressly prohibited.THIRD PARTY SITES
You may be transferred to online merchants or other third party sites through links or frames from this site. You are cautioned to read their Terms and Conditions and/or Privacy Policies before using such sites. These sites may contain information or material that is illegal, unreasonable or that some people may find inappropriate or offensive. These other sites are not under the control of the Company and are not monitored or reviewed by the Company. The inclusion of such a link or frame does not imply endorsement of this site by the Company, its advertisers or licensors, any association with its operators and is provided solely for your convenience. You agree that the Company and its licensors have no liability whatsoever from such third party sites and your usage of them.RETURNS
Karmora offers a seven-day, money back guarantee on the initial subscription fee. All subsequent subscription fees are nonrefundable as the benefits of the service are realized immediately upon payment.
Upon cancellation of a Premier Shopper agreement, the participant may return resalable sales aids purchased within one (1) year from the date of cancellation for a refund if he or she is unable to sell or use the merchandise. A Participant may only return sales aids he or she personally purchased from the Company under his or her Participant Identification Number, and which are in resalable condition. Upon receipt of the products and sales aids, the Participant will be reimbursed ninety percent (90%) of the net cost of the original purchase price(s), less shipping charges. If the purchases were made through a credit card, the refund will be credited back to the same account. The Company shall deduct from the reimbursement paid to the Participant any commissions, bonuses, rebates or other incentives received by the Participant that were associated with the merchandise that is returned.DISCLAIMER OF WARRANTIES
The Company, its advertisers and licensors make no representation or warranties about this site, the suitability of the information contained on or received through use of this site, or any service or products received through this site. All information and use of this site are provided “as is” without warranty of any kind. The Company, advertisers and/or its licensors hereby disclaim all warranties without regards to this site, the information contained or received through use of this site, and any services or products received through this site, including all express, statutory, and implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. The Company, advertisers and/or its licensors do not warrant that the contents or any information received through this site are accurate, reliable or correct; that this site will be available at any particular time or location; that any defects or errors will be corrected; or that the contents of any information received through this site is free of viruses or other harmful components. Your use of this site is solely at your risk. User agrees that it has relied on no warranties, representations or statements other than in this agreement. Because some jurisdictions do not permit the exclusion of certain warranties, these exclusions may not apply to you but shall apply to the maximum extent permitted by law of your jurisdiction.LIMITATION OF LIABILITY
Under no circumstances shall the Company, advertisers and/or its licensors be liable for any direct, indirect, punitive, incidental, special, or consequential damages that result from the use or inability to use, this site. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if the Company, advertisers and/or its licensors have been advised of the possibility of such damage. Because some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, the Company, advertisers and/or its respective licensors’ liability in such jurisdictions shall be limited to the maximum extent permitted by law of your jurisdiction.INDEMNIFICATION
You agree to defend, indemnify, and hold harmless the Company, its advertisers, licensors, subsidiaries and other affiliated companies, and their employees, contractors, officers, agents and directors from all liabilities, claims, and expenses, including attorney’s fees, that arise from your use of this site, or any services, information or products from this site, or any violation of this Agreement. The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you shall cooperate with the Company in asserting any available defenses.LEGAL COMPLIANCE
Company may suspend or terminate this Agreement or User’s use immediately upon receipt of any notice which alleges that User has used this site for any purpose that violates any local, state, federal or law of other nations, including but not limited to the posting of information that may violate third party rights, that may defame a third party, that may be obscene or pornographic, that may harass or assault other, that may violate hacking or other criminal regulations of its agent, officers, directors, contractors or employees. In such event, Company may disclose the User’s identity and a subpoena or other legal action, and Company shall not be liable for damages or results thereof and User agrees not to bring any action or claim against Company for such disclosure.CHOICE OF LAW AND FORUM
This site (excluding third party linked sites) is controlled by the Company from its offices within the State of Arizona, U.S. of America. It can be accessed from all 50 states as well as from other countries around the world to the extent permitted by site. As each of these places has laws that may differ from Arizona, by accessing this site, both you and the Company agree that the statutes and laws of Arizona shall apply to any actions or claims arising out of or in relation to this Agreement or your use of this site, without regards to conflicts of laws principles thereof. You and the Company also agree and hereby submit to the filing of any claim only in the exclusive personal jurisdiction and venue of Arizona and any legal proceedings shall be conducted in English. The Company makes no representation that materials on this site are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited.MISCELLANEOUS
This Agreement incorporates by reference the Site Submission Rules if this site allows posting and posts such Rules. This Agreement constitutes the entire agreement between the parties related to the subject matter thereof, supersedes any prior or contemporaneous (oral, written or electronic) agreement between the parties and shall not be changed except by written agreement signed by an officer of the Company. If any provision of this Agreement is prohibited by law are held to be unenforceable, the remaining provisions hereof shall not be affected, and this Agreement as much as possible under applicable law shall continue in full force and effect as if such unenforceable provision had never constituted a part hereof and the unenforceable provision shall be automatically amended so as to best accomplish the objectives of such unenforceable provision within the limits of applicable law.
This site reserves the right to revise these provisions at its discretion, so check back from time to time to be sure you are complying with the current version.
1. Authorization and Contract. Some, but not all, Premier Shoppers (“PS(s)”) are interested in building Shopping Communities and earning commissions and bonuses based on the purchases made by the Shoppers within their Shopping Community. By executing the Karmora Premier Shopper Agreement (“Agreement”), you are applying for legal authorization to become a Karmora business owner and enter into contract with Karmora, LLC, hereinafter “Karmora.” You acknowledge that prior to signing you have received, read and understood the Karmora Income Disclosure Statement, that you have read and understood the Karmora Policies and Procedures, which are incorporated into this Agreement and made part of it as if restated in full, as posted on www.karmora.com, and that you have read and agree to all terms set forth in this Agreement. Karmora reserves the right to reject any application for any reason within 30 days of receipt.
2. Expiration, Renewal, and Termination. The term of this Agreement is month to month (subject to prior cancellation or disqualification as provided in the Policies and Procedures). If you fail to renew your Premier Shopper Membership, or if it is canceled or terminated for any reason, you understand that you will permanently lose all rights as Premier Shopper (“PS(s)”). You shall not be eligible to sell Karmora services nor shall you be eligible to receive royalties, bonuses, or other income resulting from the activities of your former downline sales organization. In the event of cancellation, termination or nonrenewal, you waive all rights you have, including but not limited to property rights, to your former downline organization and to any bonuses, commissions or other remuneration derived through the sales and other activities of your former downline organization. Karmora reserves the right to terminate all Premier Shopper Agreements upon 30 days notice if the Company elects to: (1) cease business operations; (2) dissolve as a business entity; or (3) terminate distribution of its services via direct selling channels. A PS may cancel this Agreement at any time, and for any reason, upon written notice to Karmora at its principal business address. Karmora may cancel this Agreement for any reason upon 30 days advance written notice to the PS. Karmora may also take actions short of termination of the Agreement, if the Karmora PS breaches any of its provisions.
3. Independent Contractor Status. You agree this authorization does not make you an employee, agent, or legal representative of Karmora or your Sponsoring PS. As a self-employed independent contractor, you will be operating your own independent business, buying and selling services available through Karmora on your own account. You have complete freedom in determining the number of hours that you will devote to your business, and you have the sole discretion of scheduling such hours. You will receive IRS Form 1099-MISC reflecting the amount of income paid to you during the calendar year. It will be your sole responsibility to account for such income on your individual income tax returns.
4. Presenting the Plan. You agree when presenting the Karmora Compensation Plan to present it in its entirety as outlined in official Karmora materials, emphasizing that sales to end consumers are required to receive compensation in the form of bonuses on downline volume. In presenting the plan to prospects, you agree not to utilize any literature, materials or aids not produced or specifically authorized in writing by Karmora. You agree to instruct all prospective PS(s) to review the Karmora Income Disclosure Statement.
5. Selling the Service. You agree to make no representations or claims about any services beyond those shown in official Karmora literature. You further agree to sell services available through Karmora only in authorized territories.
6. Karmora’s Proprietary Information and Trade Secrets. You recognize and agree that, as further set forth in the Policies and Procedures, information compiled by or maintained by Karmora, including Line of Sponsorship (LOS) information (i.e., information that discloses or relates to all or part of the specific arrangement of sponsorship within the Karmora business including, without limitation, PS lists, sponsorship trees, and all Karmora PS information generated therefrom, in its present or future forms), constitutes a commercially advantageous, unique and proprietary trade secret of Karmora, which it keeps as proprietary and confidential and treats as a trade secret. During the term of your contract with Karmora, Karmora grants you a personal, non-exclusive, non-transferable and revocable right to use trade secret, confidential, and proprietary business information (Proprietary Information), which includes, without limitation, LOS information, business reports, manufacturing and service developments, and PS sales, earnings and other financial reports to facilitate your Karmora business.
7. Non-Solicitation Agreement. In accordance with the Policies and Procedures, you agree that during the period while you are a PS, and for one calendar year following resignation, non-renewal, or termination of your business, you will not encourage, solicit, or otherwise attempt to recruit or persuade any other Karmora PS to compete with the business of Karmora.
8. Images / Recordings / Consents. You agree to permit Karmora to obtain photographs, videos, and other recorded media of you or your likeness. You acknowledge and agree to allow any such recorded media to be used by Karmora for any lawful purpose, and without compensation.
9. Modification of Terms. With the exception of the dispute resolution section in Policies and Procedures, which can only be modified by way of mutual consent, the terms of this Agreement may be modified as specified in Rule 1 in the Policies and Procedures.
10. Jurisdiction and Governing Law. The formation, construction, interpretation, and enforceability of your contract with Karmora as set forth in this Premier Shopper Agreement and any incorporated documents shall be governed by and interpreted in all respects under the laws of the State of Arizona without regard to conflict of law provisions. Louisiana residents: notwithstanding the foregoing, Louisiana residents may bring an action against Karmora, LLC with jurisdiction and venue as provided by Louisiana law.
11. Fax copy. A faxed copy of the Agreement shall be treated as an original in all respects.
12. Dispute Resolution. All disputes and claims relating to Karmora, its services, the rights and obligations of a PS and Karmora, or any other claims or causes of action relating to the performance of either a PS or Karmora under the Agreement or the Karmora Policies and Procedures shall be settled totally and finally by arbitration as enumerated in the Policies and Procedures in Scottsdale, Arizona, or such other location as Karmora prescribed, in accordance with the Federal Arbitration Act and the Commercial Arbitration Rules of the American Arbitration Association, except that all parties shall be entitled to discovery rights allowed under the Federal Rules of Civil Procedure. Additionally, you agree not to initiate or participate in any class action proceeding against Karmora, whether in a judicial or mediation or arbitration proceeding, and you waive all rights to become a member of any certified class in any lawsuit or proceeding. This agreement to arbitrate shall survive any termination or expiration of the Agreement. Nothing in the Agreement shall prevent Karmora from applying to and obtaining from any court having jurisdiction a writ of attachment, garnishment, temporary injunction, preliminary injunction, permanent injunction or other equitable relief available to safeguard and protect its 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.
13. Time Limitation. If a PS wishes to bring an action against Karmora for any act or omission relating to or arising from the Agreement, such action must be brought within one year from the date of the alleged conduct giving rise to the cause of action. PS waives all claims that any other statutes of limitations apply.
14. Refund Policy. Karmora offers a 30-day satisfaction guarantee on all initial fees paid to the company. All subsequent fees are nonrefundable. The digital nature of the service and the immediacy of the benefits make any possibility for a longer refund period commercially impractical.
15. Miscellaneous. If any provision of the Agreement is held to be invalid or unenforceable, such provision shall be reformed only to the extent necessary to make it enforceable, and the balance of the Agreement will remain in full force and effect. This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, but all of which together shall constitute one instrument. The provisions of this Agreement, including all documents incorporated herein by reference, embody the whole agreement between you and Karmora and supersedes any prior agreements, understandings and obligations between you and Karmora concerning the subject matter of your contract with Karmora.
16. Montana residents: A Montana resident may cancel his or her Premier Shopper Agreement within 15 days from the date of enrollment.
17. Notice of Right to Cancel. You may request a refund on your enrollment fee if it’s done within seven business days from the date of enrollment. If you cancel, any enrollment fees paid will be returned within TEN BUSINESS DAYS following receipt by the seller of your cancellation notice. To cancel this transaction, mail or deliver written notice, to Karmora, LLC, 10565 N. 114th Street, Suite 107, Scottsdale, Arizona, 85259, not later than midnight of the seventh business day following the date of this Agreement.
18. Submission of Electronic W-9. Under penalty of perjury, I certify that (1) the number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and (2), I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and (3) I am a U.S. Citizen or other U.S. person.
Effective October of 2015SECTION 1 – INTRODUCTION 1.1 - Code of Ethics
Karmora (hereafter “Karmora” or “the Company”) is a values-based company that prides itself on the quality and character of its Premier Shoppers (hereinafter “PS(s)”). The following guidelines help ensure a uniform standard of excellence throughout our organization. Every Karmora PS is expected to practice the following ethical behavior when acting in the name of the company:
A. I will be respectful of every person I meet while doing Karmora related business.
B. At all times I will conduct myself and my business in an ethical, moral, legal, and financially sound manner.
C. I will not engage in activities that would bring disrepute to Karmora, any Karmora corporate officer or employee, myself, or other PS(s).
D. I will not make discouraging or disparaging claims toward other Karmora PS(s). I will ensure that in all Karmora business dealings I will refrain from engaging in negative language. I will refrain from making any type of slanderous statements.
E. I will provide support and encouragement to my Customers to ensure that their experience with Karmora is a successful one. I understand that it is important to provide follow-up service and support to my downline.
F. I will correctly represent all the bonus/compensation plans available through Karmora and the income potential represented therein. I understand I may not use my own income as an indication of others’ potential success, or use compensation checks as marketing materials. I further understand that I may only disclose my Karmora income to recruit a potential PS(s) after I have given a copy of the Income Disclosure Statement to the potential PS(s).
G. I will abide by all of Karmora’s Policies & Procedures now and as they may be amended in the future.1.2 - Policies Incorporated into Premier Shopper Agreement
These Policies and Procedures (“Policies”), in their present form and as amended at the sole discretion of Karmora, are incorporated into, and form an integral part of, the Karmora Premier Shopper Agreement (hereafter “PS Agreement”). Throughout these Policies, when the term “Agreement” is used, it collectively refers to the Karmora PS Agreement, these Policies, and the Karmora Compensation Plan. These documents are incorporated by reference into the PS Agreement (all in their current form and as amended by Karmora). It is the responsibility of each PS to read, understand, adhere to, and ensure that he or she is aware of and operating under the most current version of these Policies. When sponsoring a new PS, it is the responsibility of the sponsoring PS to provide the most current version of these Policies and Procedures prior to his or her execution of the PS Agreement.1.3 - Changes to the PS Agreement, Policies and Procedures, or Compensation Plan
Because federal, state, and local laws, as well as the business environment, periodically change, Karmora reserves the right to amend the Agreement and the prices in its Karmora Product Price List in its sole and absolute discretion. Notification of amendments shall appear in Official Karmora Materials. Amendments shall be effective upon publication in Official Karmora Materials, including but not limited to, posting on Karmora’s website, e-mail distribution, publication in Karmora’s newsletter, product inserts, or any other commercially reasonable method. The continuation of a PS’s Karmora business or a PS’s acceptance of bonuses or commissions constitutes acceptance of any and all amendments. The ability to modify the agreement does not extend to the dispute resolution section in these Policies (Section 9), as those provisions can only be modified by way of mutual consent.1.4 - Delays
Karmora shall not be responsible for delays and 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, flood, death, curtailment of a party’s source of supply, or government decrees or orders.
1.5 –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 Agreement.1.6 –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 Karmora to exercise any right or power under the Agreement or to insist upon strict compliance by a PS 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 Karmora’s right to demand exact compliance with the Agreement. Waiver by Karmora can be effectuated only in writing by an authorized officer of the Company.
SECTION 2 – BECOMING A PREMIER SHOPPER
2.1 - Requirements to Become a PS
To become a Karmora PS, each applicant must:A. Be of the age of majority in his or her state of residence; B. Reside in the United States or other countries, which have been officially opened by Karmora; C. Have a valid Social Security Number or Federal Tax Identification Number; D. Submit a properly completed and signed PS Agreement to Karmora via electronically or fax.
2.2 - New PS Registration by the Internet and Facsimile
A prospective PS may self-enroll on the sponsor’s web site. In such event, instead of a physically signed PS agreement, Karmora will accept the agreement by accepting the “electronic signature” stating the new PS has accepted the terms and conditions of the PS Agreement. Please note that such electronic signature constitutes a legally binding agreement between the PS and Karmora. Faxed agreements must include both the front and back of the PS Agreement.
2.3 - PS Benefits
Once a PS Agreement has been accepted by Karmora, the benefits of the Compensation Plan and the PS Agreement are available to the new PS. These benefits include the right to:
A. Sell Karmora services; B. Participate in the Karmora Compensation Plan (receive bonuses and commissions, if eligible); C. Sponsor other individuals as Casual Shoppers (hereinafter “CS(s)”) or PS(s) into the Karmora business and thereby build Shopping Community; D. Receive periodic Karmora literature and other Karmora communications; E. Participate in Karmora-sponsored support service training, motivational and recognition functions; and F. Participate in promotional and incentive contests and programs sponsored by Karmora for its PS(s).
2.4–Terms and Renewal of a Karmora Business
A PS must renew their PS status monthly by submitting a monthly renewal fee of $9.95. This payment is due on the anniversary of the PS acceptance date. If the PS allows his or her business to expire due to nonpayment of the renewal fee, the PS will lose any and all rights to his or her shoppers, commissions, bonuses and/or profit sharing payments unless the PS re-activates within 60 days following the expiration of the agreement.
If the former PS re-activates within the 60-day time limit, the PS will receive full access to their Karmora website, however the PS is not eligible to receive commissions for the time period that the PS’s business was expired.
Any PS whose agreement has expired and lapsed the 60 day grace period is not eligible to reapply for a Karmora business for 3 months following the expiration of the PS Agreement.
Any PS terminated by Karmora may not reapply to do business for 12 months from their termination date.
SECTION 3 – INCOME DISCLOSURE POLICY
In an effort to conduct best business practices, Karmora has developed the Income Disclosure Statement (“IDS”). The Karmora IDS is designed to convey truthful, timely, and comprehensive information regarding the income that Karmora PS(s) earn. In order to accomplish this objective, a copy of the IDS must be presented to all prospective PS(s).
A copy of the IDS must be presented to a prospective PS (someone who is not a party to a current Karmora PS Agreement) anytime the Compensation Plan is presented or discussed, or any type of income claim or earnings representation is made.
The terms “income claim” and/or “earnings representation” (collectively “income claim”) include: (1) statements of average earnings, (2) statements of non-average earnings, (3) statements of earnings ranges, (4) income testimonials, (5) lifestyle claims, and (6) hypothetical claims. Examples of “statements of non-average earnings” include, “Our number one Premier Shopper earned over a million dollars last year” or “Our average ranking Premier Shopper makes five thousand per month.” An example of a “statement of earnings ranges” is “The monthly income for our higher ranking Premier Shoppers is ten thousand dollars on the low end to thirty thousand dollars a month on the high end.”
In any meeting that is open to the public in which the Compensation Plan is discussed or any type of income claim is made, you must provide every prospective PS with a copy of the IDS. Copies of the IDS may be printed or downloaded without charge from the company website at www.karmora.com/IDS.
SECTION 4 – ADVERTISING
4.1 - Adherence to the Karmora Compensation Plan
PS(s) must adhere to the terms of the Karmora Compensation Plan as set forth in Official Karmora Materials. PS(s) shall not offer the Karmora opportunity through, or in combination with, any other system, program, or method of marketing other than that specifically stated in Official Karmora Materials. PS(s) shall not require or encourage other current or prospective customers or PS(s) to participate in Karmora in any manner that varies from the program as set forth in Official Karmora Materials. PS(s) shall not require or encourage other current or prospective customers or PS(s) to execute any agreement or contract other than official Karmora agreements and contracts in order to become a Karmora PS. Similarly, PS(s) shall not require or encourage other current or prospective customers or PS(s) to make any purchase from, or payment to, any individual or other entity to participate in the Karmora Compensation Plan other than those purchases or payments identified as recommended or required in Official Karmora Materials.
4.2 - Use of Sales Aids
To promote both the services and the opportunity Karmora offers, PS(s) must use the sales aids and support materials produced by Karmora. If Karmora PS(s) develop their own sales aids and promotional materials (which includes Internet advertising), notwithstanding PS’ good intentions, they may unintentionally violate any number of statutes or regulations affecting a Karmora business. These violations, although they may be relatively few in number, could jeopardize the Karmora opportunity for all PS(s). Accordingly, PS(s) must submit all written sales aids, promotional materials, advertisements, websites and other literature to the Company for Company’s approval prior to use. Unless the PS receives specific written approval to use the material, the request shall be deemed denied. All PS(s) shall safeguard and promote the good reputation of Karmora and its services. The marketing and promotion of Karmora, the Karmora opportunity, the Compensation Plan, and Karmora services shall be consistent with the public interest, and must avoid all discourteous, deceptive, misleading, unethical or immoral conduct or practices.
4.3 -Intellectual Property
Karmora will not allow the use of its trade names, trademarks, designs, or symbols outside of corporate produced and approved sales aids by any person, including Karmora PS(s), without prior written authorization from Karmora. Furthermore, no PS may use, publish, reproduce, advertise, sell, or display in any manner the name, picture or likeness, or voice of another PS without prior written consent from the named PS. This consent must be on file with Karmora’s Compliance department prior to any use.
4.4 –Web Policy
If a PS desires to utilize an Internet web page to promote his or her business, he or she may do so through Company authorized services only.
It is your obligation to ensure your online marketing activities are truthful, are not deceptive and do not mislead customers or potential PS(s) in any way. Websites and web promotion activities and tactics that mislead or are deceptive, regardless of intent, will not be allowed. This may include representation in any manner that you are an authorized representative for Karmora, spam linking (or blog spam), unethical search engine optimization (SEO) tactics, misleading click-through ads (i.e., having the display URL of a PPC campaign appear to resolve to an official Karmora Corporate Site when it goes elsewhere), unapproved banner ads, and unauthorized press releases. Karmora will be the sole determinant of truthfulness as to whether specific activities are misleading or deceptive.
B. Domain Names, email Addresses and Online Aliases
You cannot use or register domain names, email addresses, and/or online aliases that could cause confusion, or be misleading or deceptive, in that they cause individuals to believe or assume the communication is from, or is the property of Karmora by showing up as the sender of an email.
Examples of the improper use include but are not limited to: Karmora@msn.com; www.KarmoraDirect.com; www.facebook.com/Karmora or derivatives as described herein.
Examples of permitted URLs, email addresses, and online aliases might appear as follows: facebook.com/iloveKarmora; jimsmith@Karmoraaffiliate.net.
Determinations as to what could cause confusion, mislead or be considered deceptive is at the sole discretion of Karmora. If you have a question whether your chosen name is acceptable, you may submit it to compliance@Karmora.com for review before use.
C. Approved Premier Shopper Websites
The term Premier Shopper Website refers to the PS website offered by Karmora or an approved vendor to affiliates. The term Social Media website refers to any site that is not specifically prohibited within the terms and conditions of this Agreement, such as Facebook.com, MySpace.com, Twitter.com, YouTube.com, personal blogs or other personal websites.
D. Online Classifieds
You may not use online classifieds (including Craigslist) to list, sell or promote specific Karmora services. You may use online classifieds (including Craigslist) for prospecting, recruiting, sponsoring, and informing the public about the Karmora opportunity provided you follow the other requirements of this agreement such as identifying yourself as an independent representative of Karmora, only using approved images and versions of any trademarked logos and without using fraudulent or misleading product or income claims. If a link or URL is provided, it must link to your PS Website or your Social Media website.
E. Online Retailing
Approved affiliate websites are intended to provide the affiliates with the tools and means for generating leads, prospecting business, communicating with others, selling products and services, and otherwise advancing your Karmora business. You may not sell Karmora services on any other online retail store or ecommerce site, nor may you enlist or knowingly allow a third party (customer) to sell Karmora products on any online retail store or ecommerce site.
Social Media sites such as Facebook may also be used to promote your Karmora business. You must provide approved Karmora links to your PS replicated website for sales and order processing. All online sales of Karmora products must take place and be produced through the PS Replicated website (or corporate site).
F. Banner Advertising
You may place banner advertisements on a website provided you use Karmora-approved templates and images. All banner advertisements must link to your PS Website. You may not use blind ads or web pages that make non-compliant product or income claims that are ultimately associated with Karmora products or the Karmora business opportunity.
G. Spam Linking
Spam linking is defined as multiple consecutive submissions of the same or similar content into blogs, wikis, guest books, websites or other publicly accessible online discussion boards or forums and is not allowed. This includes blog spamming, blog comment spamming and/or spamdexing. Any comments you make on blogs, forums, guest books etc. must be unique, informative and relevant.
H. Social Networking Sites
You may use social networking websites (Facebook, MySpace, LinkedIn, blogs, forums and other social shared interest sites) to share information about the Karmora product, mission and business opportunity and for prospecting and sponsoring. However, these sites may not be used to sell or offer to sell specific Karmora services.
You agree that you will immediately take down a non-compliant site at the request of Karmora. Appeals regarding compliance may be submitted after the site has been taken down. Appeals should be directed to the email address set forth in the policy addressing dispute resolutions.
I. Sponsored Links / Pay-Per-Click (PPC) Ads
Sponsored links or pay-per-click ads (PPC) are acceptable. The destination URL must be to your PS Website. The display URL must also be to your PS Website and must not portray any URL that could lead the user to assume they are being led to a Karmora Corporate site, or be inappropriate or misleading in any way.
J. External Websites
You are allowed external websites to promote your Karmora business and the Karmora opportunity. If you wish to use an external website, you must do the following: a.) Identify yourself as Premier Shopper for Karmora. b.) Use only the approved images and wording authorized by Karmora. c.) Adhere to the branding, trademark, and image usage policies described in this document. d.) Agree to modify your website to comply with current or future Karmora policies.
You are solely responsible and liable for your own website content, messaging, claims, and information and must ensure your website appropriately represents and enhances the Karmora brand and adheres to all Karmora guidelines and policies. Additionally, your website must not contain disingenuous popup ads or promotions or malicious code. Decisions and corrective actions in this area are at Karmora’s sole discretion. You are encouraged to use the approved Karmora images that are available through the business suite.
K. Karmora PS Image Mandate
When using a Social Media or external website it must contain: a.) A Karmora PS Logo from the approved templates. b.) Your Name and Title (example: Joan Arc, Premier Shopper, Karmora). c.) A link to your PS Replicated website.
Although Karmora brand themes and images are desirable for consistency, anyone landing on your page needs to clearly understand that they are at a Premier Shopper site, and not a Karmora Corporate page.
4.6 - Advertised Price
You may not advertise any of Karmora’s services at a price LESS than the highest company published price of the equivalent service. No special enticement advertising is allowed. This includes but is not limited to offers of free membership or other such offers that grant advantages beyond those available through the Company.
4.7 - Generic Business Advertisements
If you advertise via newspaper or other advertising venues, the following rules apply:A. No advertisement may imply that a job, position, salary, or any type of employment is allowed. B. No advertisement may promote, represent, or imply salaried positions, management positions, hourly wages, full or part-time employment, or guaranteed incomes. The Karmora opportunity is not a job, and may not be presented as such. Terms such as “manager trainee,” “management positions available,” “travel provided,” “call for interview,” “positions available,” “now hiring,” and other misleading statements are not allowed. C. No specific income can be promised or implied, and any references to compensation must use the word “commissions” to indicate the independent contractor status of Ps(s). D. Advertisements may not contain references to Karmora or its services and may not use any of Karmora’s trademarks or trade-names.
Any requests for variances from the above rules must be submitted to Karmora and approved in writing prior to publication. Please direct any inquiries to email@example.com, or by fax to the attention of the Compliance department at (866) 538- 6734.
4.8 -Media and Media Inquiries
PS(s) must not initiate any interaction with the media or attempt to respond to media inquiries regarding Karmora, its services, or their independent Karmora business. All inquiries by any type of media must be immediately referred to Karmora’s Compliance department. This policy is designed to ensure that accurate and consistent information is provided to the public, as well as a proper public image.
4.9 - Unsolicited Email and Fax Communication
Karmora does not permit PS(s) to send unsolicited emails unless such emails strictly comply with applicable laws and regulations, including, without limitation, the federal CAN SPAM Act. Any email sent by a PS that promotes Karmora, the Karmora opportunity, or Karmora services, must comply with the following:A. There must be a functioning return email address to the sender. B. There must be a notice in the email that advises the recipient that they may reply to the email, via the functioning return email address, to request that future email solicitations or correspondence not be sent to him or her (a functioning “opt-out” notice). C. The email must include the PS’s physical mailing address. D. The email must clearly and conspicuously disclose that the message is an advertisement or solicitation. E. The use of deceptive subject lines and/or false header information is prohibited. F. All opt-out requests, whether received by email or regular mail, must be honored. If a PS receives an opt-out request from a recipient of an email, the PS must forward the opt-out request to the Company. Karmora may periodically send commercial emails on behalf of PS(s). By entering into the PS Agreement, PS agrees that the Company may send such emails and that the PS’s physical and email addresses will be included in such emails as outlined above. PS(s) shall honor opt-out requests generated as a result of such emails sent by the Company. Except as provided in this section, PS(s) may not use or transmit unsolicited faxes or use an automatic telephone dialling system relative to the operation of their Karmora businesses.
SECTION 5 – OPERATING A KARMORA BUSINESS.
5.1 - Business Entities
A corporation, partnership or trust (collectively referred to in this section as a “Business Entity”) may apply to be a Karmora PS by submitting a Karmora PS Application and Agreement along with its Certificate of Incorporation, Articles of Organization, Partnership Agreement or trust documents (these documents are collectively referred to as the “Entity Documents”) to Karmora. A Karmora business may change its status under the same Sponsor from an individual to a partnership, corporation or trust, or from one type of entity to another. To do so, the PS(s) must provide the Entity Documents to Karmora. The PS Application must be signed by all of the shareholders, partners or trustees. Members of the entity are jointly and severally liable for any indebtedness or other obligation to Karmora.
5.1.1 - Changes to a Business Entity
Each PS must immediately notify Karmora of any changes to the type of business entity they utilize in operating their Karmora business, and the addition or removal of business associates. A Karmora business may change its status under the same sponsor from an individual to a partnership, corporation or trust, or from one type of entity to another. The PS Agreement form must be signed by all of the shareholders, partners, or trustees. Members of the entity are jointly and severally liable for any indebtedness or other obligation to Karmora.
5.1.2 - Change Of Sponsor
To protect the integrity of all marketing organizations and safeguard the hard work of all PS(s), Karmora rarely allows changes in sponsorship, with the rare exception of direct line changes (meaning placement is not affected). A direct line change request must be made by submitting a completed Sponsor Change Request Form within a seven (7) day period from the date of enrollment, and must come from the current listed sponsor.
5.1.3 - Change Of Placement
A request for change of placement must be submitted within seven (7) days of the date of enrollment and must be requested by the current listed sponsor. A PS can only be moved inside of the same sponsor’s organization. If approved, a PS is placed in the first available open bottom position on the date that the change is made. PS(s) who have earned commissions or achieved rank are not eligible for placement changes. Please note that decisions made for any change request (sponsor or placement) are at the sole discretion of Karmora.
5.2 - Unauthorized Claims and Action
5.2.1 - Indemnification
A PS is fully responsible for all of his or her verbal and/or written statements made regarding Karmora services and the Compensation Plan, which are not expressly contained in Official Karmora Materials. PS(s) agree to indemnify Karmora and hold it harmless from any and all liability including judgments, civil penalties, refunds, attorney fees, court costs or lost business incurred by Karmora as a result of the PS’s unauthorized representations or actions. This provision shall survive the cancellation of the PS Agreement.
5.2.2 –Endorsements of Karmora Services
No claims as to any services offered by Karmora may be made except those contained in Official Karmora Materials.
5.3 - Conflicts
5.3.1 – Non-Solicitations
Karmora PS(s) are free to participate in other multilevel or network marketing business ventures or marketing opportunities (collectively “Network Marketing”). However, during the term of this Agreement, PS(s) may not directly or indirectly recruit other Karmora PS(s) or Customers other than those they have personally sponsored for any other Network Marketing business. Following the cancellation of a PS Agreement, and for a period of one (1) calendar year thereafter, with the exception of a PS who is personally sponsored by the former PS, a former PS may not recruit any Karmora PS or Customer for another Network Marketing business.5.3.2 - Sale of Competing Goods or Services
During this agreement and for six months thereafter, PS(s) must not sell, or attempt to sell, any competing non-Karmora programs or services to Karmora Customers or PS(s). Any program, product, service, or direct selling opportunity in the same generic categories as the Karmora services are deemed to be competing, regardless of differences in cost, quality or other distinguishing factors.5.3.3 - Targeting Other Direct Sellers
Should PS(s) engage in solicitation and/or enticement of members of another direct sales company to sell or distribute Karmora services, they bear the risk of being sued by the other direct sales company. If any lawsuit, arbitration, or mediation is brought against a PS alleging that they engaged in inappropriate recruiting activity of its sales force or Customers, Karmora will not pay any of PS’s defense costs or legal fees, nor will Karmora indemnify the PS for any judgment, award, or settlement.5.3.4 - Privacy and Confidentiality
The Data Management Rule is intended to protect the Line of Sponsorship (LOS) for the benefit of all Ps(s), as well as Karmora. LOS information is information compiled by Karmora that discloses or relates to all or part of the specific arrangement of sponsorship within the Karmora business, including, without limitation, PS lists, sponsorship trees, and all PS information generated therefrom, in its present and future forms. The Karmora LOS, constitutes a commercially advantageous, unique, and proprietary trade secret (Proprietary Information), which it keeps proprietary and confidential and treats as a trade secret. Karmora is the exclusive owner of all Proprietary Information, which is derived, compiled, configured, and maintained through the expenditure of considerable time, effort, and resources by Karmora and its PS(s). Through this Rule, PS(s) are granted a personal, non-exclusive, non-transferable and revocable right by Karmora to use Proprietary Information only as necessary to facilitate their business as contemplated under these Policies and Procedures. The Company reserves the right to deny or revoke this right, upon reasonable notice to the PS stating the reason(s) for such denial or revocation, whenever, in the reasonable opinion of Karmora, such is necessary to protect the confidentiality or value of Proprietary Information. All PS(s) shall maintain Proprietary Information in strictest confidence, and shall take all reasonable steps and appropriate measures to safeguard Proprietary Information and maintain the confidentiality thereof.5.4 -Cross Sponsoring
Actual or attempted cross-group sponsoring is strictly prohibited. “Cross-group sponsoring” is defined as the enrollment, indirect or otherwise, of an individual or entity that already has a current customer number or PS Agreement on file with Karmora, or who has had such an agreement within the preceding six (6) calendar months, within a different line of sponsorship. The use of a spouse’s or relative’s name, trade names, DBAs, assumed names, corporations, partnerships, trusts, Federal Tax Identification Numbers or fictitious identification numbers to circumvent this policy is prohibited. This policy shall not prohibit the transfer of a Karmora business in accordance with the “Sale, Transfer or Assignment of Karmora Business” section of these Policies and Procedures.5.5 -Governmental Approval or Endorsement
Neither federal nor state regulatory agencies nor officials approve or endorse any direct selling or network marketing companies or programs. Therefore, PS(s) shall not represent or imply that Karmora or its Compensation Plan have been “approved,” “endorsed,” or otherwise sanctioned by any government agency.5.6 -Identification
All PS(s) are required to provide their Social Security Number, Federal Employer Identification Number, or their Government Issued ID Number to Karmora either on the PS Agreement or at the company’s request. Upon enrollment, the Company will provide a unique PS Identification Number to the PS by which they will be identified. This number will be used to place orders and track commissions and bonuses.5.7 - Income Taxes
Every year, Karmora will provide an IRS Form 1099 MISC (Non-employee Compensation) earnings statement to each U.S. resident as required by the Internal Revenue Service. Each PS is responsible for paying local, state and federal taxes on any income generated as a PS. If a Karmora business is tax exempt, the Federal Tax Identification Number must be provided to Karmora. Any PS that does not provide a valid social security number is subject to the federal backup withholding laws and 28% of their commissions and bonus will be withheld and submitted to the IRS.5.8 - Independent Contractor Status
You are an independent contractor. You are not an agent, employee, partner, or joint venture with the Company. You may not represent yourself as anything other than an Independent Premier Shopper. You have no authority to bind Karmora to any obligation. You are responsible for paying your own self-employment taxes, federal income taxes and other taxes required by law. You must obey any federal, state, and local laws, as well as Company rules and regulations pertaining to your independent Karmora Business or the acquisition, receipt, holding, selling, distributing or advertising of Karmora’s services or opportunity.
Ps(s) may not answer the telephone by saying “Karmora,” “Karmora Incorporated,” or by any other manner that would lead the caller to believe that they have reached Karmora’s corporate offices. A PS may only represent that he/she is a Karmora PS. Therefore, all correspondence and business cards relating to or in connection with a PS’s Karmora business shall contain the PS’s name followed by the term “Premier Shopper.”5.9–Bonus Buying
Paying the membership fees solely for the purpose of collecting bonuses or achieving rank is prohibited.5.10 – Stacking
Stacking is the unauthorized manipulation of the Karmora compensation system and/or the marketing plan in order to trigger commissions or cause a promotion off a downline PS in an unearned manner. One example of stacking occurs when a sponsor places participants under an inactive downline participant (who may not know or have any relationship with the clients) in order to trigger unearned qualification for commissioning. Another example of stacking is the manipulative placement of PS(s) within a downline organization in order to trigger a promotion. Stacking is unethical and unacceptable behavior, and as such, it is a punishable offense with measures up to and including the termination of the PS’s positions of all individuals found to be directly involved.5.11 - One Karmora Business per Premier Shopper
A PS may operate or have an ownership interest, legal or equitable, as a sole proprietorship, partner, shareholder, trustee, or beneficiary, in only one Karmora business. No individual may have, operate or receive compensation from more than one Karmora business. Individuals of the same family unit may each enter into or have an interest in their own separate Karmora businesses, only if each subsequent family position is placed frontline to the first family member enrolled. A “family unit” is defined as spouses and dependent children living at or doing business at the same address.5.12 - Succession
Upon the death or incapacitation of a PS, their business may be passed to a designated heir(s). Appropriate legal documentation must be submitted to the Company to ensure the transfer is proper. Whenever a Karmora business is transferred by a will or other testamentary process, the beneficiary acquires the right to collect all bonuses and commissions of the deceased PS’s marketing organization provided the following qualifications are met. The successor(s) must:
Although a Karmora business is a privately owned, independently operated business, the sale, transfer or assignment of a Karmora business is subject to certain limitations. If a PS wishes to sell their Karmora business, the following criteria must be met:
A. Protection of the existing line of sponsorship must always be maintained so that the Karmora business continues to be operated in that line of sponsorship; B. The buyer or transferee must become a qualified Karmora PS. If the buyer is an active Karmora PS, they must first terminate their Karmora business and wait six calendar months before acquiring any interest in the new Karmora business; C. Before the sale, transfer, or assignment can be finalized and approved by Karmora, any debt obligations the selling PS has with Karmora must be satisfied; and D. The selling PS 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 Karmora business. Prior to selling a Karmora business, the selling PS must notify Karmora’s Compliance department of their intent to sell the Karmora business. No changes in line of sponsorship can result from the sale or transfer of a Karmora business. A PS may not sell, transfer, or assign portions of their business—the position must be sold in its entirety.
5.14 - Separation of a Karmora Business
Karmora PS(s) sometimes operate their Karmora businesses as husband-wife partnerships, regular partnerships, corporations, or trusts. At such time as a marriage may end in divorce or a corporation, partnership, or trust (the latter three entities are collectively referred to herein as “entities”) may dissolve, arrangements must be made to assure that any separation or division of the business 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 PS(s) and the Company in a timely fashion, Karmora will involuntarily terminate the PS Agreement.
During the divorce or entity dissolution process, the parties must adopt one of the following methods of operation:
A. One of the parties may, with consent of the other(s), operate the Karmora business pursuant to an assignment in writing whereby the relinquishing spouse, shareholders, partners, or trustees authorize Karmora to deal directly and solely with the other spouse or non-relinquishing shareholder, partner, or trustee.
B. The parties may continue to operate the Karmora business jointly on a “business-as-usual” basis, whereupon all compensation paid by Karmora will be paid according to the status quo as it existed prior to the divorce filing or dissolution proceedings. This is the default procedure if the parties do not agree on the format set forth above. The Company will never remove a party to a position from a PS account without that party’s written permission and signature. Under no circumstances will the downline organization of divorcing spouses or a dissolving business entity be divided. Under no circumstances will Karmora split commission and bonus checks between divorcing spouses or members of dissolving entities. Karmora will recognize only one downline organization and will issue only one commission check per Karmora business per commission cycle. Commission checks shall always be issued to the same individual or entity. In the event that parties to a divorce or dissolution proceeding are unable to resolve a dispute over the disposition of commissions and ownership of the business in a timely fashion as determined by the Company, the PS Agreement shall be involuntarily cancelled. If a former spouse has completely relinquished all rights in the original Karmora business pursuant to a divorce, they are thereafter free to enroll under any sponsor of their choosing without waiting six (6) calendar months. In the case of business entity dissolutions, the former partner, shareholder, member, or other entity affiliate who retains no interest in the business must wait six calendar months from the date of the final dissolution before re-enrolling as a PS. In either case, however, the former spouse or business affiliate shall have no rights to any PS(s) in their former organization or to any former customer. They must develop the new business in the same manner as would any other new PS.
All Active PS(s) in good standing have the right to sponsor and enroll others into Karmora. Each prospective customer or PS has the ultimate right to choose his or her own Sponsor. If two PS(s) claim to be the Sponsor of the same new PS or customer, the Company shall regard the first application received by the Company as controlling.
SECTION 6 – RESPONSIBILITIES OF PS(s)
6.1 - Change of Address, Telephone, Email-Address
To ensure timely communications, delivery of support materials and commission checks, it is critically important that the Karmora’s files are current. PS(s) planning to move or change their email address must submit an amended PS Agreement complete with the new information.6.2 – Sponsoring PS Responsibilities 6.2.1 – Initial Training
Any PS who sponsors another PS into Karmora must perform a bona fide assistance and training function to ensure that their downline is properly operating their Karmora business. PS(s) must provide the most current version of the Policies and Procedures, the Income Disclosure Statement, and Compensation Plan to individuals whom they are sponsoring to become PS(s) before the applicant signs a PS Agreement.6.2.2 – Ongoing Training Responsibilities PS(s) must monitor the PS(s) in their downline organizations to ensure that downline PS(s) do not make improper product or business claims, or engage in any illegal or inappropriate conduct. Upon request, every PS should be able to provide documented evidence to Karmora of their ongoing fulfilment of the responsibilities of a Sponsor. 6.3 – Non disparagement
PS(s) must not disparage, demean, or make negative remarks about Karmora, other Karmora PS(s), Karmora’s services, the Compensation plan, or Karmora’s owners, board members, directors, officers, or employees.6.4 - Reporting Policy Violations
PS(s) observing a Policy violation by another PS should submit a written report of the violation directly to the attention of the Karmora Compliance department, complete with all supporting evidence and pertinent information. It is important to understand that information that is submitted will be kept confidential.
SECTION 7 – AUTOMATIC BILLING
7.1 - Billing
The membership program is automatically renewed each month with a credit or debit card maintained on file with Karmora.
SECTION 8 –COMMISSIONS AND REFUND POLICY
8.1 - Bonus and Commission Qualifications
In order to qualify to receive commissions and bonuses, a PS must be in good standing and comply with the terms of the Agreement and these Policies and Procedures. A PS will qualify to receive commissions and bonuses so long as he/she produces one personal membership sale each month or maintains a personal membership in good standing for himself/herself. A PS is not required to maintain a personal membership but may do so if desired for purposes of this section.
8.2 - Errors or Questions
If a PS has questions about or believes any errors have been made regarding commissions, bonuses, Downline Activity Reports, or charges, the PS must notify Karmora in writing within 30 days of the date of the purported error or incident in question. Karmora will not be responsible for any errors, omissions, or problems not reported to the Company within 30 days.
8.3 - Bonus Buying Prohibited
Bonus buying is strictly and absolutely prohibited. Bonus buying includes: (a) the enrollment of individuals or entities without the knowledge of and/or execution of a PS Agreement by such individuals or entities; (b) the fraudulent enrollment of an individual or entity as a PS or Customer; (c) the enrollment or attempted enrollment of non-existent individuals or entities as PS(s) or Customers (“phantoms”); (d) purchasing Karmora services on behalf of another PS or Customer, or under another PS’s or Customer’s ID number, to qualify for commissions or bonuses; and/or (f) any other mechanism or artifice to qualify for rank advancement, incentives, prizes, commissions, or bonuses that is not driven by bona fide product or service purchases by end user consumers.
8.4 - Reports
All information provided by Karmora, including but not limited to personal sales volume (or any part thereof), and downline sponsoring activity is believed to be accurate and reliable. Nevertheless, due to various factors including but not limited to the inherent possibility of human and mechanical error; the accuracy, completeness, and timeliness of orders; denial of credit card and electronic check payments, a PS whose PS Agreement is cancelled shall receive commissions and bonuses only for the last full pay period he or she worked prior to cancellation (less any amounts withheld during an investigation preceding an involuntary cancellation).
A Karmora participant has a right to cancel at any time, regardless of reason. Cancellation must be submitted in writing to the Company at its principal business address, or via email to Karmora.
8.5 – Refund Policy
Karmora offers a 30-day satisfaction guarantee on all initial fees paid to the company. All subsequent fees are nonrefundable. When a refund is requested by a PS the bonuses and commissions attributable to the refunded service will be deducted from the PS who received bonuses or commissions on such sales. Deductions will occur in the month in which the refund is given and continue every pay period thereafter until the commission is recovered.
SECTION 9 – DISPUTE RESOLUTION AND DISCIPLINARY PROCEEDINGS
9.1 - Disciplinary Sanctions
Violation of the Agreement, these Policies and Procedures, violation of any common law duty, including but not limited to any applicable duty of loyalty, any illegal, fraudulent, deceptive, or unethical business conduct, or any act or omission by a PS that, in the sole discretion of the Company, may damage its reputation or goodwill (such damaging act or omission need not be related to the PS’s Karmora business), may result, at Karmora’s discretion, in one or more of the following corrective measures:
Prior to instituting arbitration, the parties shall meet in good faith and attempt to resolve any dispute arising from or relating to the Agreement through non-binding mediation. One individual who is mutually acceptable to the parties shall be appointed as mediator. The mediator’s fees and costs, as well as the costs of holding and conducting the mediation, shall be divided equally between the parties. Each party shall pay its portion of the anticipated shared fees and costs at least ten (10) days in advance of the mediation. Each party shall pay its own attorneys fees, costs, and individual expenses associated with conducting and attending the mediation. Mediation shall be held in Scottsdale, Arizona, and shall last no more than two (2) business days.9.3 - Arbitration
If mediation is unsuccessful, any controversy or claim arising out of or relating to the Agreement, or the breach thereof, shall be settled by confidential arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. PS(s) waive all rights to trial by jury or to any court. All arbitration proceedings shall be held in Scottsdale, Arizona. 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 which the American Arbitration Panel provides. 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.NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE.
Nothing in these Policies and Procedures shall prevent Karmora 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 Karmora’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 exclusively in Scottsdale, Arizona. The Federal Arbitration Act shall govern all matters relating to arbitration. The laws of Arizona shall govern all other matters relating to or arising from the Agreement. Notwithstanding the foregoing, and the arbitration provision in this Agreement, residents of the State of Louisiana shall be entitled to bring an action against Karmora in their home forum and pursuant to Louisiana law.SECTION 10 – EFFECT OF CANCELLATION 10.1- Effect of Cancellation and Termination
So long as a PS remains active and complies with the terms of the PS Agreement and these Policies, Karmora shall pay commissions to such PS in accordance with the Compensation Plan. A PS’s bonuses and commissions constitute the entire consideration for the PS’s efforts in generating sales and all activities related to generating sales (including, but not limited to, building a downline organization). Following a PS’s non-continuation of his or her PS Agreement, cancellation for inactivity, or voluntary or involuntary cancellation (termination) of his or her PS Agreement (all of these methods are collectively referred to as “Cancellation”), the former PS shall have no right, title, claim or interest to the downline organization which he or she operated, or any commission or bonus from the sales generated by the organization. PS(s) waive any and all rights, including, but not limited to, property rights, in the downline which they may have had. Following a PS’s cancellation of his or her PS Agreement, the former PS shall not hold him or herself out as a Karmora PS and shall not have the right to sell Karmora products or services. A PS whose PS Agreement is cancelled shall receive commissions and bonuses only for the last full pay period he or she worked prior to cancellation (less any amounts withheld during an investigation preceding an involuntary cancellation).
A Karmora participant has a right to cancel at any time, regardless of reason. Cancellation must be submitted in writing to the Company at its principal business address, or via email to Karmora. The written notice must include the Ps’s signature, printed name, address, and PS ID Number.10.2- Non-Renewal
A PS may also voluntarily cancel their PS Agreement by failing to pay the renewal fee. PS(s) have a 60 day grace period to get back into compliance for failure to pay the administrative fee.SECTION 11 – DEFINITIONS
AGREEMENT: The contract between the Company and each PS; includes the PS Agreement, the Karmora Policies and Procedures, and the Karmora Compensation Plan, all in their current form and as amended by Karmora in its sole discretion. These documents are collectively referred to as the “Agreement.”
CANCEL: The termination of a PS’s business. Cancellation may be either voluntary, involuntary, or through non-renewal.
COMPENSATION PLAN: The guidelines and referenced literature for describing how PS(s) can generate commissions and bonuses.
CUSTOMER: A Customer who purchases Karmora services and does not engage in building a business or selling the service.
PREMIER SHOPPER: An individual who purchases product, generates sales and business building commissions.
LINE OF SPONSORSHIP (LOS): A report generated by Karmora that provides critical data relating to the identities of PS(s), sales information, and enrollment activity of each PS’s organization. This report contains confidential and trade secret information which is proprietary to Karmora.
ORGANIZATION: The Customers and PS(s) placed below a particular PS.
OFFICIAL KARMORA MATERIAL: Literature, audio or video tapes, and other materials developed, printed, published, and distributed by Karmora to PS(s).
PLACEMENT: Your position inside your Sponsor’s organization.
RECRUIT: For purposes of Karmora’s Conflict of Interest Policy, the term “Recruit” means the actual or attempted solicitation, enrollment, encouragement, or effort to influence in any other way, either directly, indirectly, or through a third party, another Karmora PS or Customer to enroll or participate in another multilevel marketing, network marketing, or direct sales opportunity.
SPONSOR: A PS who enrolls a Customer or another PS into the Company, and is listed as the Sponsor on the PS Agreement. The act of enrolling others and training them to become PS(s) is called “sponsoring.”
UPLINE: This term refers to the PS or PS(s) above a particular PS in a sponsorship line up to the Company. It is the line of sponsors that links any particular PS to the Company.
The Karmora Compensation Plan is an exciting opportunity that rewards you for selling products and services and for sponsoring other participants who do the same. Although the opportunity is unlimited, individual results will vary depending on commitment levels and sales skills of each participant. Since Karmora has recently launched, it lacks enough statistical data to prepare reliable income disclosures. The numbers below reflect estimates prepared by the company pending a more detailed survey to be conducted after its first year. Based on industry standards and company projections, the average annual gross income for Premier Shoppers is projected to be anywhere between $500 and $2,000. There will certainly be participants who will earn less while others will earn much more. We are excited about the Karmora Compensation Plan and we’re confident it will provide you a solid foundation to help you achieve your financial goals.
If income projections were presented to you prior to your enrollment, such projections are not necessarily representative of the income, if any, that you can or will earn through your participation in the Compensation Plan. These income projections should not be considered as guarantees or projections of your actual earnings or profits. Success with Karmora results only from hard work, dedication, and leadership.
Shopping Community builders are the backbone of our company and the Premier Shopper Bonus Pool is designed to reward our most successful community builders for their efforts! Each month Karmora deposits 10% of our total company revenue into a Bonus Pool reserved for our Premier Shoppers.
Your share in the pool is determined by the Shopping Revenue generated by your Shopping Community versus that of other eligible Premier Shopper Communities. The more Shoppers in your Shopping Community making Cash Back and Exclusive Product purchases each month… the bigger your Bonus will be! Here’s how it works…
How to Qualify:
Our Commitment to Privacy
What Information Do We Collect?
1. Personally Identifiable Information
This refers to information that lets us know specifically about you i.e. profile information.
C. Credit Card Storage
D. Surveys and Promotions
2. Aggregate Information
Active Information You Choose to Provide
Passive Information Collected
What is a Cookie?
How Do We Use the Information Collected?
Your Information In Relation to Others We Link To
You might be able to access other websites through our site via hyperlinks. When you do so, you are subjecting yourself to their privacy policies and data collection. Please read the privacy policies of those sites to ensure you agree with the terms before using such sites.
Sharing Information with Advertisers or Other Third Parties
We may disclose anonymous information about user habits to advertisers on our site. The parties who perform services for us (credit card processors, merchant bank, Internet Service Provider) may also have access to your information in performing such services. Should we buy or sell assets of our company, another company may need to review our company’s assets, which might include your information, to make business decisions as to whether to acquire such assets.
Sharing Information with the Government or As Otherwise Required by Law
How Do We Secure Active Information and Passive Information?
Accessing and Correcting Your Information
Protecting Your Information
Links to Other Websites
Children’s Privacy Protection
Changes to This Statement
We want you to be happy with your Exclusive Product Purchases that’s why we offer a 30 Day No Questions Asked Money Back Guarantee!
STEP 1: Open a live chat and select “Customer Service” from the drop down menu. Make sure that you have your order # handy.
STEP 2: You will receive a return confirmation email. Please print a copy and place it in the original packaging and return to the address on the email.
STEP 3: You will receive one last email letting you know that your return has been processed and your refund applied to your account.
PREMIER SHOPPER MEMBERSHIP REFUND POLICY
We want you to be happy with your Premier Shopper Membership that’s why we offer a 30 Day No Questions Asked Money Back Guarantee!
If you would like to cancel your Premier Shopper Membership anytime in the first 30 days, simply open a live chat with a Good Karmora Specialist and request a refund. Cancellation requests after the 30 day trial period are not eligible for a refund.
CASH BACK PURCHASE REFUND POLICY
When you shop with any of our over 2,000 Cash Back Stores your purchase is governed by each stores’ individual return policy. Karmora does not accept payment for, nor process returns for, any Cash Back Store. Please contact the customer service department, or view the online return policy for the store where you made your purchase for information on how to process your return.
Note: All refunds will be deposited in your eWallet unless requested to be refunded to the credit/debit card that was used for the purchase. Karmora covers return shipping charges for Premier Shoppers only. Casual Shoppers are responsible for their own return shipping charges.
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If you are a branch or agency of the U.S. Government, the following provision applies. This site, code, contents, services and accompanying documentation are comprised of “commercial computer software” and “commercial computer software documentation” as such terms are used in 48 C.F.R. 12.212 (SEPT 1995) and are provided to the Government (i) for acquisitions by or on behalf of civilian agencies, consistent with the policy set forth in 48 C.F.R. 12.212; or (ii) for acquisitions by or on behalf of units of the Department of Defense, consistent with the policies set forth in 48 C.F.R. 227.7202-1 (JUN 1995) and 227.7202-3 (JUN 1995. Unpublished rights reserved under the copyright laws of the United States.
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THIRD PARTY SITES
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CHOICE OF LAW AND FORUM
Our Commitment to Privacy
What Information Do We Collect?
1. Personally Identifiable Information
This refers to information that lets us know specifically about you i.e. profile information.
C. Credit Card Storage
D. Surveys and Promotions
2. Aggregate Information
Active Information You Choose to Provide
Passive Information CollectedWhat is a Cookie?
Our site’s servers also automatically identify your computer by its Internet Protocol address, which is a unique string of numbers that are assigned to your computer by your Internet Service Provider. The IP address may be used to address problems with our server or to gather broad demographic information about our users. We passively collect your IP Address.
How Do We Use the Information Collected?
Your Information In Relation to Others We Link To
Sharing Information with Advertisers or Other Third Parties
Sharing Information with the Government or As Otherwise Required by Law
We may be required by subpoena, law or government agency to disclose both Active and Passive Information you have provided to us.
How Do We Secure Active Information and Passive Information?
Accessing and Correcting Your Information
Protecting Your Information
Links to Other Websites
Children’s Privacy Protection
Changes to This Statement
Karmora is one of a handful of distinguished companies to take the time, effort and expense to certify that every cosmetic product we offer has been Certified to be ToxicFreeTM! You can use our products with the confidence of knowing that they have been tested, and are certified to be, free from any toxic, carcinogenic, or mutagenic ingredients.
According to the Centers for Disease Control (CDC), "synthetics in skin / hair care and household products cause birth defects, learning disorders, obesity, cancers and sexual dysfunction," and ingredients in shampoos, dyes, detergents, and sunscreens may be mixing up your hormonal signals."
It is estimated that our families are exposed to over 500 chemicals a day in the products that we commonly use, and these can have serious consequences to our health and quality of life.
In fact, there are now 700,000 chemicals which are commercially produced for consumption in the United States, and it is more than likely that some of these toxic chemicals are included in the products that your family and you are currently using.
All Karmora Exclusive Products are backed by our 30 Day - No Questions Asked - Money Back Guarantee. If you would like to return a product for any reason, simply open a live chat with a Good Karmora Specialist and they will guide you on how you can return the product for a full refund. Click Here to review our refund policy.
Your check is on its way! Please allow 7-10 business days for delivery. If you have any questions regarding your check please open a live chat with a Good Karmora Specialist.
As always, we wish you Good Luck, Good Fortune and Good Karmora!
Congratulations on your decision to become a Karmora Premier Shopper. We are so confident that you will love your Membership we offer a 30-day free trial! If you are not pleased with your Membership for any reason during the first 30 days, simply open a live chat with a Good Karmora Specialist and we will cancel your subscription and revert your membership to Casual Shopper status.
Should you fail to cancel your subscription within the 30-day trial period, your credit/debit card will be charged $9.95 on a month by month basis until cancelled. Karmora rewards you with $10 Karmora Kash every month you successfully renew your Membership making it essentially FREE to be a Premier Shopper!
This Limited Time Offer comes with a 30 Day FREE Trial Premier Shopper Membership ($9.95 Value!). It is the only online shopping membership that literally pays for itself on day #1 and is loaded with extraordinary benefits! Should you elect to keep the membership, Kamora rewards you with $10 in Karmora Kash that can be used to purchase any of our Exclusive Products making you membership essentially FREE!
The Ginkgo Biloba tree is one on the oldest living trees on the planet; has proven an unparalleled ability to regenerate; and has been used in Asian medicine for centuries due to its purported therapeutic benefits. Applied topically, ginkgo leaf is a good antioxidant because it is a rich source of flavonoids. This plant extract also has antibacterial and antifungal effects. Other research has shown that ginkgo leaf can help protect skin from redness and inflammation during exposure to UVA/UVB light in a lab setting. Ginkgo leaf also seems capable of increasing skin’s moisture content and reducing factors in skin that lead to inflammation.
Camellia Sinensis Leaf Extract, Plankton Extract, Glycerin, Carthamus Tinctorius Oleosomes, Water, Isopropyl Palmitate, Lecithin, Swertia Chirata Extract, Glyceryl Stearate Citrate, Polyglyceryl-3 Stearate, hydrogenated Lecithin, Microcrystalline Cellulose, Cellulose Gum, Allantoin, Ginkgo Biloba Leaf Cell Ectract, Chondrus Crispus, Glucose, Ceteryl Alcohol, Cetyl Palmitate, Sorbitan Plamitate, Sorbitan Oleate, Sodium Hayluronate, Citrus Limonium Oil, Citrus Aurantifolia Oil, Lactobacillus, Cocos Nucifera Fruit Extract, Vanilla Planifolia Fruit Extract, Cocos Nucifera Oil, Xanthan Gum, Plant Extracts, Malic Acid.
This refers to information that lets us know specifically about you i.e. profile information.A. Registration
Your Information In Relation to Others We Link To You might be able to access other websites through our site via hyperlinks. When you do so, you are subjecting yourself to their privacy policies and data collection. Please read the privacy policies of those sites to ensure you agree with the terms before using such sites.
Sharing Information with Advertisers or Other Third Parties We may disclose anonymous information about user habits to advertisers on our site. The parties who perform services for us (credit card processors, merchant bank, Internet Service Provider) may also have access to your information in performing such services. Should we buy or sell assets of our company, another company may need to review our company’s assets, which might include your information, to make business decisions as to whether to acquire such assets.
Sharing Information with the Government or As Otherwise Required by Law We may be required by subpoena, law or government agency to disclose both Active and Passive Information you have provided to us.
YOUR USE OF OUR SITE MEANS THAT YOU ACCEPT THE PRACTICES SET FORTH IN THIS POLICY. YOUR CONTINUED USE INDICATES YOUR AGREEMENT TO THE CHANGES.
Aloe Vera Extract is well known for its hydrating and rejuvenating properties. 1) The polysaccharides acts as moisturizers, hydrating the skin; 2) once absorbed into the skin it stimulates the fibroblasts to replicate themselves faster, and it is these cells that produce collagen and elastin fibers, so the skin becomes more elastic and less wrinkled; 3) aloe vera makes the surface of the skin smoother because of its cohesive effect on the superficial flaking epidermal cells, binding them; 4) lastly, aloe vera possesses the ability to interfere with the enzyme that produces melanin deposits in the skin, helping to prevent the formation of ‘liver spots’, which tend to develop in aging skin. When used regularly it may even help to eliminate existing spots.
Aloe Barbadensis Leaf Jusice,Cateary| Olivate, Sorbitan Olivate, Squalane, Carthamus Tinctorius Oleosomes, Water, prunus Armeniaca Kernel Oil, Isopropy| Palmitate, Lecithin, Swertia Chirata Extract, Glycerin, Citrulluss Vulgaris Fruit Extract, Pyrus Malus Fruit Extract, Lens Esculenta Fruit Extract, Sodium PCA, Sodium Lactate, Algania Spinosa Kernal Oil, Cocos Nucifera Oil, Dextran, Trifluoroacety| Tripeptide-2 Cellulose Gum, Ginkgo Biloba Leaf Cell Extract, Lactobacillus, Cococ Nucifera Fruit Extract, Lavandula Angustifoia, Cocos Nucifera Oil, Valnilla Planifolia Fruit Extract Infused in Cocos Nucifera Oil, Lavandula Angustifoia Oil, Change Odorata Flower Oil, Lavandula Angustifoia Oil, Xanthan Gum, Plant Extracts, Malic Acid.
Known as the Skincare from the Sea, Plankton is a type of micro-algae which grows abundantly in oceans around the world and has recently been discovered to potentially have an exciting number of skin benefits. Phytoplankton contains:
Aloe Barbadensis Leaf Juice, Purified Water, Plankton Extract, Saccharide isomerate, Glycerin, Citrullus Vulgaris Fruit Extract, Pyrus Malus Fruit Extract, Lens Esculenta Fruit Extract, Sodium PCA, Sodium Lactate, Cocos Nucifera Milk Powder, Propanediol, Ginkgo Biloba Leaf Cell Extract, Ethylexyl Stearate, Sodium Hyalouonate Crosspolymer, Polyglyceryl-4 Dilsostearate/Polyhydroxystearate/Sebacate, Sodium Isostearate, Polyglyceryl-2 Caprate, Lavandula Angustifolia Oil, Cocos Nucifera Oil, Vanilla Planifolia Fruit Extract, Citrus Aurantium Bergamia Oil FCF, Citrus Aurantium Dulcis Oil, Santalum Album Oil, Cananga Odorata Flower Oil, Lactobacillus, Cocos Nucifera Fruit Extract, Phytic Acid, Plant Extracts, Malic Acid.