IBA HELPLINE- 7087233705

Monday to Friday from 9 AM to 6:30 PM
(Please call at Ph. 7087233706 on Saturday and Sunday)

Please select the language first by pressing 1 for English and 2 for Hindi.

After selecting the language, please follow the process as mentioned below-

For Any Assistance, Related to Product, Services and Student, Press 1

For Any Assistance, Related to IBA, Press 2

To Know More About Business, Press 3

To Know More About Training, Press 4

For Technical Support, Press 5

For Any Other Information, Press 6

Contact By Email ID: customercare@unfoldu.com

Criteria	Status	UnfoldU’s compliance
Entity to be registered under the laws of India		Unfold U Global Marketing Pvt. Ltd.
Provide a mandatory orientation session		We understand that UnfoldU has provided the same
Provide accurate and complete information to prospective and existing direct sellers concerning the reasonable amount of remuneration opportunity		Included in agreement with Independent Educational Counselor(s)
Pay all dues and make withholdings from direct sellers in a commercially reasonable manner		We understand that UnfoldU has provided the same )
Notify and provide a full refund or buy-back guarantee to every direct seller on reasonable commercial terms which can be exercised within a period of 30 days,		Included in Refund Policy
Notify and provide to every direct seller a cooling-off period which entitles such direct seller to return any goods /services purchased by the direct seller during the cooling-off period
promoter or key management personnel should not have been convicted of any criminal offence punishable with imprisonment in last 5 years		We understand that UnfoldU has provided the same
office with identified jurisdiction to enable the consumers and direct seller to acquaint themselves with price of products, return or replacement of products and efficient delivery of goods and services, and post-sale redressal of grievances;

Criteria	Status	UnfoldU’s compliance
Agreement with direct sellers made in writing, describing the material terms of participation incorporating the following: not compelling or inducing the direct seller to purchase goods or services in an amount that exceeds an amount that can be expected to be sold to consumers within a reasonable period of time; allowing or providing the direct seller a reasonable cooling-off period including cancellation and refund; the termination of contract, with reasonable notice, allowing or providing for a buy-back or repurchase policy for currently marketable goods or services sold to the direct seller Relationship between Direct Selling Entity and Direct Seller (clause 6 of above referred guidelines)		Unfold U Global Marketing Pvt. Ltd. has agreement with Independent Educational Counselor(s)

Criteria	Status	UnfoldU’s compliance
No person or entity shall promote a Pyramid Scheme, or enroll any person to such scheme or participate in such arrangement in any manner whatsoever in the garb of doing Direct Selling business.  No person or entity will participate in Money Circulation Scheme in the garb of Direct Selling of Business Opportunities.		We understand that UnfoldU provides the same

Criteria	Status	UnfoldU’s compliance
Any direct selling entity conducting direct selling activities shall submit an undertaking to the Department of Consumer Affairs, stating that it is in compliance with these guidelines and shall also provide such details of its incorporation and other business details as may be notified from time to time		UnfoldU has submitted the same from time to time

UNFOLDU GLOBAL MARKETING (P) LTD.
IBA Compensation System

“A step towards a better tomorrow”

TABLE OF CONTENTS

WELCOME TO UNFOLDU
MESSAGE FROM THE FOUNDER
HOW TO BECOME AN IBA
BUILDING YOUR UNFOLDU BUSINESS & TYPES OF BUSINESS INCOME

4.1 Retail Sales Commission (RSC)

4.2 Rank Override Bonus (ROB)

4.3 Leadership Generation Bonus (LGB)

4.4 UnfoldU Royalty Club (URC)

DEFINITIONS

1.WELCOME TO UNFOLDU

UnfoldU brings to you a business opportunity which enables you to serve the society by helping children to excel in education and at the same time allowing you to have a financially rewarding experience. UnfoldU is a dream of great and visionary teacher, Sh. Ram Chand Bajaj Ji, who has been awarded with President Award in 2001 by Ministry of Human Resource and Development and the then Vice President Sh. Krishan Kant Ji for his distinguished contribution in education and social development. Sh. Bajaj believes that education is most important tool for social development and is the base of Indian culture, so every child has equal right to education. Our vision is to reduce financial burden on parents and to facilitate each student with online/offline education in most economical way, anytime, anywhere. UnfoldU was founded in 2012and since then its working constantly towards its mission.

UnfoldU reduces, not just the additional burden of tuitions and coaching but also gives a platform to the desiring and deserving people to earn decent money through the company’s compensation plan by joining UnfoldU as Independent BusinessAssociate(IBA) for free and by their subsequent efforts after taking proper training as IBA. The Company follows the Direct Selling Modelwhich is a cost-effective method of selling and marketing the products/services as well as to fulfill the two-way mission of UnfoldU – Promotion of quality education and giving financial support to the masses as per their efforts as IBA. By doing this, UnfoldU is moving towards eliminating the two major challenges India is facing, i.e., Lack of quality education and unemployment.

UnfoldU believes in the most effective and standardized quality of study material it offers. In the era of internet, it is one of its kind of study portal, which helps the students in their overall development.The attention of prospective students can be drawn more efficiently over the products/services with the feedback of students after they have used it and with the explanation that how well and effective, they are learning with UnfoldU.

2. MESSAGE FROM THE FOUNDER

Sh. Harish Kumar Bajaj (Chairman)

The future of every society is dependent upon the youth and if we invest in our young ones now, we can have great minds ready for the future. India was home for one of the oldest civilizations and the heritage of knowledge we have is immense, still India does not stand anywhere near to the western countries in respect to research and development, majorly because as a society we forgot our heritage and educating our young ones has become incidental to money. With this philosophy, the Chairman of UnfoldU Sh. Harish Kumar Bajaj is on a mission to change learning habits and has given an alternative for quality education in affordable prices with a vision for better tomorrow for the country. This transformation will result in development of problem-solving attitude through the new study techniques, modules and materials which is an outcome of extensive research by the scholars and renowned academicians.

3. HOW TO BECOME AN INDEPENDENT BUSINESS ASSOCIATE (IBA)

It is very important to read and understand all the disclaimer points related to association as Independent Business Associate (IBA) as follows-

Any person above the age of 18 years and legally competent to contract can become an IBA of UnfoldU free of cost. To be an IBA of UnfoldU, you can register yourself as an Executiveby enrolling online for free by filling an online application and completing your KYC (Know Your Customer) formalities, i.e.- by uploading self-attested copy of IdentityProof like - Aadhar Card or Driving License etc. and bank account information with cancelled cheque in the space given on the official website of UnfoldUfor IBAs (www.myunfoldu.com). The introducer IBA’s/sponsor’s details are to be filled along with this application.

Once the company accepts your application, you will get an IBA identification number and credentials of your online portal, with the help of these credentials, you can generate your UnfoldU IdentityCard.

4. BUILDING YOUR UNFOLDU BUSINESS & TYPES OF BUSINESS INCOME

Joining as an IBA is free and there is no any renewal fee for association as an IEC. After joining,the IBA is expected to get training. This training will explain all theproducts/services of the company, compensation model for IBAs and will explain the most effective way to promote/sell the products/services.An individual initially joins UnfoldU as retailer IBA for free without any registration charges or fee. After completing the retail sales of different products and services of UnfoldU worth 5 Personal Point Values (PPVs) combined, that IBA can start building his/her team of new IBAs by following all latest Terms & Conditions, Policy, Procedures and Guidelines of the company. Based on the sales achieved by the IBA along with his/her sales team on a daily basis, company calculates the commission payouts which are paid weekly on each Wednesday (in case Wednesday being a bank holiday then the next working day).

It must be clearly understood that company rewards IBAs only upon sale of Products/Services and no benefit or commission is paid only for recruitment of new IBAs into the Company. Company also do not encourage or promote purchasing of products/services by any IBA or a new Joinee in such quantity which they cannot reasonably sell/consume. All theCommission/Bonus/UnfoldU Royalty of the sales will be calculated according to the Point Values (PVs). 1 PV is equal to Rs.1,000, it means Business Volume for 1 PV = 1,000 BV which further means 1BV = 1 Rupee.

There are four types of Income which can be availed by IBAs on the basis of their efforts and hard work after getting training-

4.1 RETAIL SALES COMMISSION (RSC)

An IBA will earn Retail Sales Commission (RSC) on all personal sales. The sales will be calculated according to the PVs (Point Values). There is a different specific commission level for the different ranks. The ranks and their specific retail sales commissions are shown in the table below-

TThe promotional criteria for different ranks till Marketing Director (MD) is very simple and very attractive in UnfoldU’s compensation plan.
Any IBA who joins UnfoldU is treated as Executive. At the level of Executive, one can earn 5% Retail Sales Commission (RSC) on Point Values earned on personal salesi.e., Personal Point Values (PPVs). AnExecutive can get promotion to Senior Executive (SE) rank (10 % RSC) by doing5 Personal Point Values (PPVs)sale. The Senior Executive (SE) can be promoted to Team Leader (TL) rank (15 % RSC)after achieving new 100Point Values (PVs) being SE. Any TL can get the promotion to Marketing Manager (MM) rank (20 % RSC) after achieving new 500 Point Values (PVs) being TL.

Likewise, if a MM achieves new1000 Team Point Values (PVs), he/she is promoted to Senior Marketing Manager (SMM) who is at RSC of 25 %. After becoming SMM, an IBA gets promotion to Marketing Director (MD) at RSC of 30 %after achieving new 2500 Point Values (PVs).

A Marketing Director (MD) gets promotion to Regional Director (RD) by developing 2 MDs (Each in different direct teams). A Regional Director (RD) gets promotion to National Director (ND) by developing 2 RDs (Each in different direct teams). Likewise, A National Director (ND) gets promotion to Ambassador by developing 2 NDs (Each in different direct teams).

It is important to note that maximum 50 % of the required new PVs for promotion at each rank can be considered from any single direct team and the remaining 50 % can be considered from all other teams collectively. The PPVs (if generated) are considered up to 50 % of the new PVs required at each rank promotion and the remaining 50 % can be considered from team (up to half from any single direct team and remaining half from all other teams collectively).

The following table explains all the minimum rank qualifications nicely-
4.2 Rank Override Bonus (ROB)

Rank Override Bonus can be availed on the ranks from Senior Executive (SE) onwards on the sales done at junior ranks of the teams. ROB is a very attractive income which accumulates more and more depending on the number of direct teams an IBA starts. The ROB at different ranks is explained in the picture below-

Example of Rank Override Bonus for MD & Above Ranks-

If we take a standard example of One Package Price as Rs. 12,000which has 10 Point Values (PVs), thenthe amount available for IBA’s income calculation is Rs. 10,000 because 1 PV is equal to Rs. 1,000. So on the basis of this example, we can calculate the Rank Override Bonus at the level of MD and above for any such sale done at any rank below the rank of MD. If the sale is done at the rank of Executive who is at 5 % RSC, the MD and above ranks whichare at30 % RSC, will earn the difference of the RSC percentage i.e.,30 %- 5% = 25 %. So, in sale done at that specific rank. The detailed explanation can be observed from the table below-

4.3 Leadership Generation Bonus (LGB)-

The Leadership Generation Bonus is offered to the Rank of Marketing Director (MD) and above. In total 15 % LGB is offered to UnfoldU IBAs. If you are MD and one IBA gets the rank of MD in your team irrespective of the fact that he/she was sponsored by you or not, you will start getting 5 % of turnover of the Team Point Values (TPVs) of this new MD as LGB who is your 1^st generation MD. In the same way, you get 4 % LGB on all 2ndgeneration MDs, 3 % LGB on all 3rd generation MDs, 2 % LGB on all 4th generation MDs and 1 % LGB on all 5th generation MDs. The LGB is calculated from your direct teams you develop with your IBA ID.

4.4 UnfoldU Royalty Club (URC)

The UnfoldU Royalty is a very attractive monthly royalty, which is offered by UnfoldU to its IBAs who qualify for the ranks of Regional Director (RD), National Director (ND) and Ambassador. Total UnfoldU Royalty is the 10 % of the total Point Values (PVs)generated by the company. This royalty is distributed to all the ranks of RD, ND and Ambassador. ForRD Club, 5% of company’s monthlyturn overPVs is offered as royalty. ForND club, new 3 % of company’s monthly turn over PVs is offered as royalty. So, total monthly royalty offered to ND club is 8 % (5 % royalty for RD cluband 3 % new royalty for ND club) and forAmbassador club, this monthly royalty is 10 % (5 % royalty for RD club, 3 % royalty for ND club and 2 % new royalty for Ambassador club).
To qualify for Royalty, it is needed to generate new Point Values (PVs) every month up to the 5 Generations deep of team MDs. For Regional Director (RD) 1,000 PVs, for National Director (ND) 2,500 PVs, for Ambassador 5,000 PVs are required. For Example- If you are Ambassador and you achieve 5,000 PVs monthly then you will get Royalty from all three clubs- RD, ND and Ambassador. If you achieve monthly PVs 2,500 or Less than 5,000 then you will qualify for 2 clubs- RD and ND. If you achieve monthly PVs 1,000 or Less than 2,500 then you will qualify for RD club only. If you have monthly PVs Less than 1,000 then you will not qualify for the UnfoldU Royalty.To avail monthly UnfoldU Royalty, maximum 50 % of your required monthly PVs for that rank (RD/ND/Ambassador) can be considered from your any single direct team and the remaining 50 % can be considered from your other teams collectively. The PPVs (if generated) are considered up to 50 % of the monthly required PVs at each rank for UnfoldU Royalty and the remaining 50 % can be considered from your team (up to half from any single direct team and remaining half from all other teams collectively).

It is important to note that, if an IBA misses the monthly qualification of up to 5 generations deep of team Marketing Directors as explained above, then that IBA can qualify for monthly royalty by achieving required Point Values (PVs) from his/her whole team. In this situation, to qualify for monthly royalty, the required monthly Point Values (PVs) from whole team will be 2,000 PVs for Regional Director, 5,000 PVs for National Director and 10,000 PVs for Ambassador. The 50 % PVs rule will also be applicable on the Point Values generated for monthly royalty qualification from whole team and all other terms and conditions will also be the same.

Please check www.myunfoldu.com for all other terms and conditions. Earnings as an Independent Business Associate (IBA) from UnfoldU depends on an individual’s consistent and disciplined hard work and by following the Guidelines, Terms & Conditions and Policies & Procedures of the company. UnfoldU never promises any income merely after registering as an Independent Business Associate.
For Example-
Case 1-The monthly qualification for RD is 1,000 PVs. In this case maximum 50 % (500 TPVs) will be considered from any single team and remaining 50 % (500 TPVs) will be considered from all other teams collectively.
Case 2- The monthly qualification for RD is 1,000 PVs. If PPVs are generated then in this case, maximum 50 % (500 PPVs) will be considered from personal sales and remaining 50 % can be considered from team (up to 250 TPVs from any single direct team and remaining 250 TPVs from all other teams collectively).

TThe details of UnfoldU Royalty Club are shown in the picture below-

5. DEFINITIONS AND QUALIFICATIONS

Annual Subscription - The annual subscription will start from the date of purchase of the package till one year of the consecutive next year. (Example- If a student subscribes for class 9th on 5thof May of 2021, then the subscription will be valid till 4th May of 2022.)
IBA - Independent Business Associate is a person who has become distributor of UnfoldU by filling the online Independent Business Associate Application without any registration charges and after agreeing and abide by the Terms & Conditions, Policies and Procedures of UnfoldU.
IBA Identification number (IBA ID) - Each IBA shall be assigned a unique Identification Number in UnfoldU. This IBA ID number is required to sponsor the new IBAs and to login the online Portal of UnfoldU where an IBA can keep track of his/ her Business.
Point Value (PV) & Business Volume (BV) -The points used for calculation of commission for sale of different packages. All courses/products have specified PVs. The values are used for calculating the promotions, contests, bonuses and other recognitions which are calculated from the total revenue generated as per company’s policy. 1 PV = 1,000 BV (1 BV = 1 Rs.).
Product - All the Services/ Study Courses/ Study Materials/Equipment given by UnfoldU in exchange of Money.
Sales Team - All the IBAs who have been sponsored by senior IBAs and those who have been further sponsored by him/her.
Sponsor - An IBA, who in compliance with all the requirements recommended by UnfoldU, introduces a new UnfoldU IBA and who guides and trains the introduced IBA about the usages of product and services of the company and business development, as per Policies and Procedures of UnfoldU.
Qualification for URC- To qualify for Royalty it is needed to generate new Point Values (PVs) every month up to the 5 Generations deep of team MDs. For Regional Director (RD) 1,000 PVs, for National Director (ND) 2,500 PVs, for Ambassador 5,000 PVs are required. For Example- If you are Ambassador and you achieve 5,000 PVs monthly then you will get Royalty from all three clubs- RD, ND and Ambassador. If you achieve monthly PVs 2,500 or Less than 5,000 then you will qualify for 2 clubs- RD and ND. If you achieve monthly PVs 1,000 or Less than 2,500 then you will qualify for RD club only. If you have monthly PVs Less than 1,000 then you will not qualify for Royalty.
To avail monthly UnfoldU Royalty, maximum 50 % of your required monthly PVs for that rank (RD/ND/Ambassador) can be considered from your any single direct team and the remaining 50 % can be considered from your other teams collectively. The PPVs (if generated) are considered up to 50 % of the monthly required PVs at each rank for UnfoldU Royalty and the remaining 50 % can be considered from your team (up to half from any single direct team and remaining half from all other teams collectively).

It is important to note that, if an IBA misses the monthly qualification of up to 5 generations deep of team Marketing Directors as explained above, then that IBA can qualify for monthly royalty by achieving required Point Values (PVs) from his/her whole team. In this situation, to qualify for monthly royalty, the required monthly Point Values (PVs) from whole team will be 2,000 PVs for Regional Director, 5,000 PVs for National Director and 10,000 PVs for Ambassador. The 50 % PVs rule will also be applicable on the Point Values generated for monthly royalty qualification from whole team and all other terms and conditions will also be the same.

Please check www.myunfoldu.com for all other terms and conditions. Earnings as an Independent Business Associate (IBA) from UnfoldU depends on an individual’s consistent and disciplined hard work and by following the Guidelines, Terms & Conditions and Policies & Procedures of the company. UnfoldU never promises any income merely after registering as an Independent Business Associate (IBA) with the company.
For Example-
Case 1-The monthly qualification for RD is 1,000 PVs. In this case maximum 50 % (500 TPVs) will be considered from any single team and remaining 50 % (500 TPVs) will be considered from all other teams collectively.
Case 2- The monthly qualification for RD is 1,000 PVs. If PPVs are generated then in this case, maximum 50 % (500 PPVs) will be considered from personal sales and remaining 50 % can be considered from team (up to 250 TPVs from any single direct team and remaining 250 TPVs from all other teams collectively).

Please visit www.myunfoldu.com for all terms & conditions and policy & procedures.

UNFOLDU GLOBAL MARKETING (P) LTD.
POLICY AND PROCEDURES

1.	Welcome to UnfoldU
2.	Becoming an Independent Business Associate (IBA)
	2.1	Eligibility
	2.2	Application
	2.3	Acceptance
	2.4	Right to Reject
	2.5	Notice of Changes
	2.6	Orientation Session
	2.7	Prohibited Practices
	2.8	Abide by Rules
3.	Responsibilities of Independent Business Associates
4.	Legal Compliance
5.	Business Ethics for Independent Business Associates
6.	Kinds of Association with UnfoldU
	6.1	Individual
	6.2	Sole Proprietorship
	6.3	Partnership Firm/ Private Limited Company
7.	Sponsor’s Rights and Responsibilities
	7.1	Sponsoring Right
	7.2	Responsibility to Submit Completed Application with Documents
	7.3	Responsibility to Supervise
	7.4	Responsibility to Train new IBA
	7.5	Responsibility to Provide Complete Information
8.	Transfer of Sponsorship
9.	No Principal-Agent Relationship
10.	Claims
11.	Termination of an Independent Business Associate
	11.1	Disciplinary Actions
	11.2	Queries, Complaint, Grievance Procedure
	11.3	Right to Terminate
12.	Cooling off Period/Buy Back Policy/Refund /Cancellation of subscription
	12.1	Objective of the Policy
	12.2	How and when will the refund be processed
	12.3	Warranty on Website and content
13.	Cancellation of IBA Association
14.	Protection of Companies Intellectual Property Trademarks and Copyrights
15.	Dispute Resolution
16.	Force Majeure
17	Return of Confidential Information
18	Submission
19	Electronic Communications
20	Privacy policy
21	Waiver
22	Data Use & Privacy
23	Provision of App, Website, Services &content
24	Information handling
25	Miscellaneous
26	Disclaimer

1. Welcome to UnfoldU

UnfoldU Global Marketing Private Limited (hereinafter as “Company” or “UnfoldU”) is a company incorporated under the Companies Act, 2013 having its Registered office at Building no 1019, FF, Sec - 77, SAS Nagar, (Mohali), Punjab-160055, India and is engaged in the marketing/ selling of UnfoldU’s educational services through the portal www.unfoldu.com (hereinafter as “web portal” or “website” ). The company is on a mission to transform the education system of this country along with securing financial independence to thousands of people. UnfoldU has crafted a unique learning technique and is offering people all over the globe to be the part of this Business.

These Policy & Procedures along with the terms and conditions of the Independent Business Associate Form is designed to create an awareness of the responsibilities involved in Direct Selling among all the Independent Business Associates (hereinafter as “IBA” or “Independent Business Associates”). The Policy and Procedures contain principles of ethical conduct for both, the company and its Independent Business Associates and establish certain principles to be followed in the development and maintenance of the business and the rights, duties and responsibilities of each Independent Business Associate.

2. Becoming an Independent Business Associate

2.1 Eligibility: To become an Independent Business Associate, the applicant must:

i.be of at least 18 years of age

ii.be able to manage his/her business due to mental or legal reasons

iii.not been suspended from his /her current profession or business by any business institution or associations

iv.not be in jail

v.not barred by law to enter into a contract.

2.2 Application:

This IBA Application form constitutes the contractual offer of the undersigned individual(s) or legal entity (through its authorized signatory), as applicable, addressed to the company to enter into an Independent Business Associate (hereinafter referred to as ‘IBA’) Contract with the company under the Terms and Conditions specified in IBA agreement. The Applicant(s) hereby certifies(y) that he/she/they/it is/are legally competent to do business and is/are not bound by any legal requirement restricting or prohibiting his/her/their/its appointment as an IBA.

By accepting this application digitally, I/we confirm that I have read and understood the terms and conditions of the company in IBA agreement, compensation plan and other policy procedure, about free joining and its cooling off period. I further understand and agree that this application and any ensuing IBA agreement upon acceptance of this application by the company shall be subject to the Terms and Conditions given in the IBA agreement including the constituent documents as amended from time to time. Furthermore, I understand and agree that my/our information provided in connection herewith may be used in accordance with the company’s policy available at www.unfoldu.com (hereinafter referred as the “Website”). I am accepting this application under my/our own free will.

2.3 Acceptance:

Company reserves the right, not to accept any application. The acceptance of the application is conveyed to the applicant by activating the business ID of the applicant on website. Upon acceptance, applicant becomes Independent Business Associate of UnfoldU.

This agreement is effective from the date of registration of this Agreement and shall remain valid till IBA’s compliance with the Company’s policy & procedure. Either of the parties shall have the right to terminate this agreement by issuing a 30 (thirty) days written notice to the other party.

2.4 Right to Reject

The Company reserves the right to reject any application for any reason whatsoever within 30 days after received. The Company will not accept applications which contain intentionally falsified information and deems such application as void.

2.5 Notice of Changes

TThe Independent Business Associate is responsible for informing the Company of any changes affecting the accuracy of their application and any subsequent information regarding their account information.

2.6 Orientation Session

The applicant must have undergone the orientation session to understand all the aspect of direct selling business, compensation plan and requirement to be a direct seller as provided in Guidelines of Direct Selling or any other applicable law.

2.7 Prohibited Practices

No Independent Business Associate, as a condition to become a new Independent Business Associate shall be required to, nor any currently authorized Independent Business Associate, as a condition to provide assistance to a prospective or new or existing Independent Business Associate, in the development of their IBA association, required the prospective or new or existing to pay any joining fee or purchase any specified number of products.

2.8 Abide by Rules

The Independent Business Associate shall confirm that he has read Terms & Conditions and Policies & Procedures and has completely understood all contents before filling out his/her application form. He/ She must also abide by all the regulations and stipulations governing UnfoldU Independent Business Associates.

3. Responsibilities of Independent Business Associates

3.1

The Independent Business Associate undertakes that the services by them will not violate any applicable government regulations and other legal obligations that affect the operations of his/her/their business.

3.2

The Independent Business Associate must strictly adhere to these policies and procedures.

3.3

The Independent Business Associate shall at all times conduct himself or herself in a courteous and considerate manner and shall not engage in any pressure selling. An Independent Business Associate shall never impose herself/himself upon her/his prospective customer and shall:

Always take a prior permission or appointment before approaching a prospective customer and shall indicate the purpose of his/her visit and identify himself/herself as UnfoldU Independent Business Associate.

If the customer indicates a desire to terminate the interview/meeting, the Independent Business Associate shall immediately do so and shall leave the premises of the customer.

3.4

The Independent Business Associate shall be responsible for obtaining registration, license, approval or authorization from Company and/or Government (If Applicable) to carry out the business as IBA, copy of which, if any, shall be provided to the company.

3.5

The Independent Business Associate should read all the disclaimers, terms and conditions given with the application form and IBA compensation system.

3.6

Subject to applicable legal requirements, the IBA shall maintain proper books of accounts stating the details of the products, price, tax and the quantity and such other details in respect of the goods sold by him/her, in such form as per applicable law.

3.7

The Independent Business Associate shall not enter into any agreement/arrangement which purports to create an obligation of or be binding on the Company or incur any liability on behalf of the Company.

3.8

The Independent Business Associate shall obtain a prior approval of the company to publish, distribute, broadcast and circulate any promotional materials or advertisement provided by the Company during the course of this Agreement.

3.9

The Independent Business Associate shall provide all the necessary information including but not limiting to PAN card number, Aadhar card number and Bank account number, photograph as requested by the Company. Further, the Company reserves its right to use their information for marketing or other purposes as required by the Company.

3.10

The Independent Business Associate undertakes, not to promote a Pyramid Scheme, as defined in the Model Direct Selling Guidelines, 2016 issued by the Government of India, or enroll any person to such scheme or participate in such arrangement in any manner whatsoever in the garb of doing direct selling business.

3.11

The Independent Business Associate undertakes that it shall not participate in Money Circulation Scheme, as defined the Prize Chits and Money Circulation Schemes (Banning) Act,1978.

4. Legal Compliance

4.1

Independent Business Associates must abide by all local laws and regulations, especially those laws and commercial rules related to the business and they must not undertake any transactions which can be considered as fraudulent or illegal or participate in any activity that may compromise Company`s reputation. There are no exclusive territories for sale of products/services nor shall any Independent Business Associate imply or state that he/she has any exclusive territory rights. There are no geographic limitations on them except in those foreign countries that have not officially been opened by the Company. Personal information such as name, address, telephone number etc. will be treated as confidential and will not be used except in connection with the Company`s business, unless required by law.

4.2

If IBA registered with GST and claimed GST with Commission, then he is liable to file GST return on timely manner as given by Government. If an IBA do not file GST Return, then company will hold his/her commission until IBA filed GST Return and if IBA do not want to file GST return then IBA need to return GST back to company.

5. Business Ethics for Independent Business Associates

5.1

An Independent Business Associate should carry their identity card whenever visiting a potential customer and shall take a prior appointment from such person.

5.2

At the initiation of a sales presentation, the Independent Business Associate shall truthfully and clearly identity himself/herself, the identity of the Company, the nature of services sold and the purpose of the solicitation to the prospective consumer.

5.3

The Independent Business Associate shall offer the prospective consumer accurate and complete explanation and demonstrations of services, prices, credit terms, terms of payment, return policies, terms of guarantee, after sales service etc.

5.4

The Independent Business Associate shall provide the following information to consumers at the time of sale, namely:

a.Name, address, registration number or enrollment number, identity proof and telephone number of the Independent Business Associate and details of the Company.

b.A description of the services to be provided.

c.Explain to the consumer about the return policy of the company in detail before the transaction.

d.The order date, the total amount to be paid by the consumer along with the bill.

e.Information of his/her rights to cancel the order and/or return the product in saleable condition and avail refund of the sale amount minus handling charges, service charges, bank transaction charges, commission paid on that sale and other applicable administrative charges.

f.Details regarding the complaint redressal mechanism.

5.5

An Independent Business Associate shall not:

a.Use misleading, deceptive and/or unfair trade practices.

b.Use misleading, false, deceptive, and/or unfair recruiting practices, including misrepresentation of actual or potential sales or earnings and advantages of direct selling to any prospective direct seller, in their interaction with prospective direct sellers.

c.Make any factual representation to a prospective direct seller that cannot be verified or make any promise that cannot be fulfilled.

d.Present any advantages of direct selling to any prospective direct seller in a false and/or a deceptive manner.

e.Knowingly make, omit, engage or cause or permit to be made, any representation relating to the direct selling operation, including remuneration system and agreement between the Company and the Independent Business Associate or the services being sold by such Independent Business Associate which is false and/or misleading.

f.Force prospective or existing Independent Business Associate to purchase any literature or training materials or sales demonstration equipment.

6. Kinds of Association with UnfoldU

6.1Individual

An individual can operate its Direct selling business after becoming an Independent Business Associate.

6.2Sole Proprietorship

A sole proprietor can become a business associate with UnfoldU.

6.3 Partnership Firm/ Private Limited Company

A Partnership Firm or Private limited Company can apply for the membership of UnfoldU by submitting a Corporate authorization form, Articles of Memorandum, Articles of Incorporation, Articles of Organization, partnership agreement or trust document or other charter or organizational document as filed in the jurisdiction where they do business ,along with the application form.

7. Sponsor’s Rights and Responsibilities

7.1Sponsoring Right

All UnfoldU Independent Business Associates who are actively engaged in business have the right to sponsor others. If two Independent Business Associates claim to be the sponsors of the same new Independent Business Associate, the Company shall regard the first application received by the corporate office as being the rightful sponsor. As a general rule, it is good practice to regard the first Independent Business Associate who has meaningfully worked with a prospective UnfoldU Independent Business Associate as having the first claim to sponsorship though this is not necessarily the sole factor of consideration. Other factors of consideration such as common sense and equitable principles should also be utilized. The final decision will be that of the Company. An individual initially joins UnfoldU as retailer IBA for free without any registration charges or fee. After completing the retail sales of different products and services of UnfoldU worth 5 Point Values (PVs) combined, that IBA can start building his/her team of new IBAsby following all latest Terms & Conditions, Policy, Procedures and Guidelines of the company.

7.2Responsibility to Submit Completed Application with Documents

The Independent Business Associates will submit registration or information of newly sponsored UnfoldU Independent Business Associate through online IBA registration form on www.myunfoldu.com and agree with Terms &conditions; Policy &procedures; Business Plan in Detail of the Company & watch the Product & Business Orientation Video.

Till the Company receives a duly completed application, containing all appropriate and required information, the Company will only consider any such application as one which is merely a non-binding expression of interest. Although the Company is attempting to create convenience for its sponsoring UnfoldU Independent Business Associate, it is the responsibility of each sponsoring Independent Business Associate to cause delivery to the Company of a completed and acceptance of the online agreement if the sponsor is expected to be recognized as the official sponsoring Independent Business Associate.

7.3 Responsibility to Supervise

Any UnfoldU Independent Business Associate, who sponsors other Independent Business Associates must fulfil the obligation of performing a bona fide supervisory, distributing and selling function in the sale and/or delivery of product to the ultimate consumer and in the training of those sponsored. UnfoldU Independent Business Associates must have ongoing contact, communication and management supervision with their sales team(s). For the avoidance of doubt, potential UnfoldU Independent Business Associate shall not require to provide any of such supervision may include but are not limited to: written correspondence, personal meetings, telephone contact, voice mail, electronic mail, training sessions, accompanying individuals to company training etc.

7.4Responsibility to Train new IBA

Those who sponsor widely but who do not help new Independent Business Associates develop their business will be met with limited success. Therefore, it is the IBA’s responsibility to follow through and make sure the new UnfoldU Independent Business Associates is properly informed and trained in the areas of product knowledge, the business plan, the professional guidelines of the network marketing industry, the Company Policies, Handbook and Agreement. Each sponsor shall conduct, or provide access to, training and motivation that complies with the Policies and Procedures Handbook. In order to meet this obligation, the Sponsor shall encourage his sponsored Independent Business Associates whom he or she sponsored or arrange for support from other Independent Business Associates, including his or her upline, Independent Business Associates training providers. In all cases the Sponsor shall remain responsible and accountable under the UnfoldU agreement for ensuring that compliant training and motivation are made available to his or her sponsored Independent Business Associates.

7.5

Responsibility to Provide Complete Information

When soliciting a prospective UnfoldU Independent Business Associates to join the Company’s business, the sponsors must clearly explain the following

a.Service provided by the Company, performance,

b.Business plan

c.Policies and procedures

d.Independent Business Associates rights and duties

e.Other important things that will affect the judgement of the prospective UnfoldU Independent Business Associates.

8. Transfer of Sponsorship

Transfer is rarely permitted and is actively discouraged. Maintaining the integrity of sponsorship is absolutely crucial for the success of the overall organization. Transfers will generally be approved in the following three circumstances and required to pay fees Rs. 5000.

a.In the case of unethical sponsoring by the original sponsor- in such cases, the Company will be the final authority; or

b.Resigning from the Company entirely- waiting 30 days to reapply under the new or same sponsor

c.If IBA dies and transfer to nominee if mentioned

9. No Principal-Agent Relationship

An Independent Business Associate shall work as an independent contractor and nothing shall establish either an employment relationship or any other labour relationship between UnfoldU and the Independent Business Associate to act as a producer, broker, commercial agent, contracting representative or other representative of UnfoldU. It is important to note that an Independent Business Associate shall not open a bank account in the name of the company i.e. UnfoldU. Independent Business Associate should not sell or buy products on credit. If he/she does so then he/she will be solely responsible, and the Company shall not bear any consequences in case of bad-debts.

10. Claims

No Independent Business Associate will make exaggerated claims or non-guaranteed claims. Independent Business Associates agree to make no false or fraudulent representations about the Company, its services, business plan or income potentials. No income claims, income projections, income representations should be made. Any false, deceptive or misleading claims regarding the opportunity are prohibited. The Company believes firmly that the income potential is good enough to be reasonably attractive in reality without resorting to artificial and unrealistic projections.

11. Termination of An Independent Business Associate

11.1

Disciplinary Actions

If an Independent Business Associate violates any clause of Policies and Procedures, Terms and Conditions of Independent Business Associate Agreement or indulge in any illegal, fraudulent, deceptive or unethical business practice, the Company at its sole discretion, may take any one or more of the following disciplinary actions.

a.Issuance of a written warning

b.Imposition of liquidated damage, which may be recovered immediately or withheld from future entitlements checks

c.Freezing of entitlements for an indefinite period

d.Suspension, which may result in termination or reinstatement with conditions or restrictions

e.Termination of UnfoldU business membership

Termination

Further, in case the IBA fails to comply with any of the terms of this Agreement, the Company reserves the right to terminate this Agreement without any written notice and all commissions due will be forfeited.

The Company reserves the right to terminate this Agreement for the breach of Direct Selling guidelines published by the Government of India or any State Government;

The Company reserves the right to terminate this Agreement for reasons of non-performance of sales of the Company, online educational courses, products and services as per the targets defined from time to time, if any;

The Company reserves the right to terminate this Agreement due to legal, regulatory or other developments that require material operational changes within the territory of India, in which case the Company may, if regulatory conditions allow, endeavor to restructure the contractual relationship with the IBA on such terms and conditions as are then practical and legally permissible.

If the IBA fails to make any sale of products or services to new customer for a consecutive period for2 Years, then company reserve the right to terminate his ID without sending any written notice

This Agreement and all questions of its interpretation shall be governed by and construed in accordance with the laws, without regard to its principles of conflicts of laws.

11.2

Queries, Complaint, Grievance Procedure

When an Independent Business Associate has discovered that there may have been a violation of the Policies and Procedures, he/she must notify the Company and his upline (Sponsor IBS) of the violation and all facts and documentary or other evidences connected with it. Upon receiving such information or on Company becoming aware about any violation Suo-moto, the company can issue a Notice to alleged violator, seeking clarification.

11.2.1

Company can seek additional information if insufficient information, facts has been supplied to the Company, upon which the company is unable to make a decision.

11.2.2.

After company receives all information of facts and circumstances relevant to the complaint, it will decide whether there has been a violation of the policies and procedure of its terms and condition and as an informal resolution, the company will discuss the matter with the Independent Business Associate involved to explain the rationale behind the rule and to obtain adequate assurance from the Independent Business Associate.

11.2.3.

If the company is unable to settle the matter informally and if the appropriate corrective action is deemed by the company to be other than termination then company will forward a decision letter to the violating Independent Business Associate. The Decision letter will list the specific complaint(s), outline the corrective action to be taken and, if appropriate, setting a time limit for compliance.

11.2.4.

Company will allow the IBA to implement the appropriate corrective action within the time limit specified in the decision letter. However, if compliance has not occurred on expiration of the time limit, UnfoldU will take further enforcement action directly.

11.2.5.

All queries, complaints or claims in respect of the App, website, Services or Content, including any issue relating to technical difficulties, support and maintenance, product liability or non-compliance with consumer protection or any other laws or regulations, shall be directed to and handled by the Company. If the IBA has any queries or complaints or believes that he/she has any claims against the Company in respect of the Website or content, please contact the Company Grievance cell’s contact person on the name and address as available on Company’s Website. The Company agrees that all complaints received over phone, email, Website, post and walk-in will be allotted a complaint/ticket number for tracing and tracking the complaint and record time taken for redressal.

11.3

Right to Terminate

The Company reserves the right, at its sole and entire discretion, to terminate any Independent Business Associate at any time if the Company has reason to believe that the Independent Business Associate is not complying with the decision of the Company or has violated the provisions of the Agreement including the Policies and Procedures of the Company. Provided, that the violations have not been cured by the Independent Business Associate within 30 days. In the event of a termination, the company shall notify the Independent Business Associate by mail at the most current address of the Independent Business Associates lodged with the company and the Independent Business Associate agrees to immediately cease representing himself as UnfoldU Independent Business Associate.

12. Cooling off Period/Buy Back Policy/Refund /Cancellation of subscription

12.1Objective of the Policy

This policy has been created to standardize the conditions for cancellations and returns of the product(s) purchased from this website. This is an electronically generated document and does not require signatures of the purchaser(s)/ user(s). UnfoldU reserves the right to alter the terms of this policy without the obligation of giving prior written notice. Product(s) eligible for cancellation and return Only the products purchased from the UnfoldU website are eligible for cancellation and/ or returns. product(s) purchased from any unauthorized source, including unauthorized agencies purporting to be authorized business associates of UnfoldU are not eligible for cancellation and/or returns

OTP verification

You will be prompted to confirm your subscription (through the OTP process) whenever you will log in before 30 days of purchase. This is for your acceptance of content and features of the package as per your satisfaction level without any objection or grievance. Once you verify, you will not be eligible to apply for refund.

How and when to request cancellation of product(s)/Service (s)?

The request for cancellation can be made until you are verified through OTP, which should not exceed 30 calendar days from the date of purchase. You need to send the cancellation request on the email address customercare@unfoldu.com. Any request for cancellation of an order after OTP verification (Redeem Process) or request made through any other medium except the above-referred email address shall not be considered as a valid request and shall not be entertained. The final decision for acceptance or rejection of any request for cancellation shall rest with UnfoldU.

How and when to request the return of a product? (Applicable only in case you have not logged in your package within 30 days of purchase)

The request for return can be made within 30 days of placing the order at the email address customercare@unfoldu.com. The request for the return of a product cannot be made in the following scenarios:

a.If the purchaser has verified the content through OTP which will be automatically generated within 30 days of the date of purchase whenever login will be done first time.
b.If the request for return is made after 30 days* from the date of purchase.
c.If the request for return is made through any other platform/ medium other than email address mentioned above.

*Delay in verifying the content through OTP will not extend 30 days period for return request and will lapse irrespective of whether or not the content is verified.

What are the conditions under which a physical/tangible Product can be returned?

A physical/tangible product such as those available on pen-drives, tablets, TV box, transferred through external hard drive etc. are subject to return only if:
a. The product delivered is not of the same specifications as ordered; or
b. The product is delivered in a damaged condition; or
c. The content or material as embedded in the Offline product is found to be incorrect or any objectionable content is advertised or displayed which may have an adverse impact on the mindset of the user(s).
The defective physical/tangible products will be returned only if they are returned with the original packaging including, price tags, labels, original packing, freebies, and other accessories and the products have not been damaged.

12.2How and when will the refund be processed?

On receipt of a request for refund, the technical/ academic team shall, within 7 days from the date of receipt of such request, review and analyse the reasons mentioned by the user(s) in his/ her request. Where the technical/ academic team is satisfied that the product actually suffers from the defect, then the refund will be processed within 15 days therefrom.
The refund will be processed in the same bank account in which the initial payment for placing the order was made. No alternate mediums like cash, Pay TM, etc. will be used for making the refund payments.
Nominal charges including but not limited to bank charges and shipping expenses shall be deducted from the total refund amount due to the purchaser(s).

12.3

Warranty on Website and content

12.3.1.

The Company makes no warranty that the Website or content will meet IBA’s requirements, be free from errors, viruses, malware or spyware, or that the operation of the Website or content will be uninterrupted or error-free or that all errors in the Website/content may be corrected. As all this can happen in this era of digitalization due to cyber-attack/hack or any other unavoidable technical glitch.

12.3.2.

The IBA/User accesses the Website or Off line data provided by company in Tablet/ Pan Drive or any other way and content at the IBA’s/User’s own risk and in no event will the Company be liable for any loss or damage of any kind, including direct or indirect losses, lost profits or other consequential losses arising from the use of or inability to use the Website, or content or from errors, deficiencies, viruses, malware or spyware in it or from any problem caused by the Website or content to any computer system, smart phone or mobile device, subject to any applicable restrictions imposed by law on such exclusion of liability.

12.3.3.

The data and information made available on or through the Website are of a general nature and do not purport and shall not in any way be deemed to constitute an offer or provision of any professional or expert advice. The IBA/User should at all times consult a qualified expert or a professional adviser to obtain advice and independent verification of the information and data contained herein before acting on it. The IBA shall explain to the consumer that mere buying the course does not ensure success. Success rate may vary from student to student or user to user depending upon the intellect level of student, time and effort put in by the student in using the product.

13. Cancellation of IBA Association

13.1

The IBA of UnfoldU may cancel / terminate this Independent Business Associate agreement at any time and for any reason by notifying the Company in writing about the same.

13.2

All such cancellations are accepted and effected as stated. As of the effective cancellation date, the Independent Business Associate loses all the privileges of Independent Business Associate and is no longer eligible for any rights, bonuses etc. He/she cannot advertise, sell or promote the company products or purchase products from the company. The resigning / terminated Independent Business Associate cannot rejoin the company as IBA unless serving a period of passivity for 30 days. Only after serving this period of passivity, he/she can rejoin under any sponsor and he cannot claim his downline to be restored under his new membership. An IBA can not associate at two positions (or can not be sponsored by two sponsors). Further, an IBA can resign from his/her IBA position at any time as per his/her will by writing to the Company on customercare@unfoldu.com with a copy to his/her sponsor. Such IBA (if willing) can associate with the same or any other IBA on new position only after 30 days of resignation. This types of reassociation after resignation can be entertained only once during the association period of IBA with the company. It is important to note that in the process of resigning from one position and associating at any other new position after 30 days will not disturb the old team of that IBA and the whole team will remain on the old position i.e., no team shifting is permissible under any circumstances.

13.3 Changes in the Ownership of IBA

13.3.1 Succession Upon Death or Incapacity Upon the death of IBA, the Agreement and an IBA’s rights therein shall pass to his/her lawful heir(s) as provided by law so long as the heir otherwise qualifies to be an IBA. However, UnfoldU will not recognize such transfer until the heir has submitted a completed business transfer form to UnfoldU reflecting the new ownership, together with a certified copy of the death certificate and a lawful will or trustor court order designating the lawful heir. Upon satisfaction to the Company that a transfer is appropriate, the IBA Ownership shall be transferred to the heir. The successor shall thereafter be entitled to all the rights and subject to all the obligations as any other IBA.

13.3.2 Companies. Where an IBA is a company, and that company’s sole owner dies, and unless adjudicated otherwise by a court, the transfer of the company’s IBA ownership to the heir(s) lawfully entitled to the interest in the company.

13.3.3 Incapacitation. If an IBA is incapacitated and cannot operate his/her IBA ownership, the Company will recognize the IBA’s authorized agent to operate the IBA ownership during the incapacity. To do so, the authorized agent must provide satisfactory proof of the IBA’s incapacity and satisfactory proof of his authority to act for the incapacitated IBA (e.g., a durable or springing power of attorney) that is authentic and which the Company can verify as lawful.

13.4 Dissolution of Partnership

13.4.1 Requirements. During the pendency of entity dissolution, both parties must adopt one of the following methods of operation:

13.4.2One of the parties may, with written consent of the other(s) and with UnfoldU, operate the UnfoldU IBA ownership, agreeing to deal directly and solely with the other non-relinquishing shareholder, partner, or trustee; or

13.4.3 The parties may continue to operate the UnfoldU IBA ownership jointly on a business-as-usual basis, whereby all compensation paid by UnfoldU will be paid in the same manner it was paid prior to the pending dissolution.

13.4.4 Commission Payments. Unfold U will not split Commissions between members of dissolving entities but will pay earnings in the usual manner. In the event that parties of a dissolution proceeding are unable to resolve a dispute over the disposition of Commissions and ownership of the IBA Ownership, the IBA Agreement and payments shall not change until ordered by a court of competent jurisdiction. Recognition and awards will be conducted by the Company according to the past practice for the IBA, unless extra-ordinary circumstances require a different approach, which shall be determined in the sole discretion of the Company.

13.5 Transfer Requirements.

13.5.1To accomplish a transfer, the IBA must submit an amended IBA Application and,

13.5.2if transferring to a legal entity, a certificate of good standing from the state of organization and a copy of its charter documents showing all the interest holders and management; or

13.5.3 if transferring from a legal entity to the individual, an authorizing statement signed by an officer or director of the legal entity and signed by the individual and partner (if any).

13.6 Line Switching, Cross Sponsoring, and Enticement

Prohibited Activity.

Maintaining the integrity of the line of Sponsorship in an IBA organization is fundamental to network marketing. Accordingly, each IBA agrees to refrain from engaging in Line Switching, Cross-Sponsoring, and Enticement. “Line Switching” means applying for and becoming an IBA (a) when already an IBA, (b) when holding a Beneficial Interest in another IBA; “Cross Sponsoring” includes Sponsoring to a different line of Sponsorship (a) a current IBA “Enticement” means soliciting, encouraging, offering benefits or in any way aiding another IBA to Line Switch and/or Cross Recruit. Enticement occurs, among other ways, by offering, showing or explaining products or the opportunity of another direct selling company to any UnfoldU IBA, whether directly or through social media that the IBA knows is frequented by or targeted to other UnfoldU IBA.

Sales Forces of Other Companies

The IBA agrees to refrain from systematically targeting members of another direct selling company to be an IBA. If any demand, claim, governmental action, lawsuit, arbitration or mediation is brought against an IBA alleging that he/she engaged in such prohibited activity, the IBA shall indemnify UnfoldU against all claims, actions, suits and demands arising from or related to the systematic targeting. UnfoldU never encourages members of the sales force of another direct sales company to violate the terms of their contract with such company. IBA bear the sole risk and sole liability for such activities, which are not endorsed or supported by UnfoldU.

14. Protection of Companies Intellectual Property Trademarks and Copyrights

UnfoldU has invested a lot to build its brand image in the sphere of online education in India and abroad and shall take all the necessary legal steps to safeguard its intellectual rights. If any IBA is aware of or knows any infringement of the trademarks or copyright, then he/she should bring this into the notice of the Company. Neither the IBA can reproduce/duplicate nor copy any official literature, logo, slogan etc. of the Company unless expressly allowed by UnfoldU.

14.1

The copyright, patents, trademarks, registered designs and all intellectual property rights in the Website including without limitation the copyright in the content of the Website, shall vest in and remain with the Company. The Company reserves and retains all rights in the content and know-how of the Website and this Agreement does not contemplate a license or assignment of such intellectual property.

14.2

The trademarks, logos and service marks (hereinafter referred as "Marks") displayed on the Website are the property of the Company and all rights to the Marks are expressly reserved by the Company. The IBA is not permitted to use any Mark without prior written consent of the Company. The Company and its group companies aggressively shall enforce their intellectual property rights to the fullest extent of the law. The name of the Company or any other Mark may not be used in any way, including in any advertising or publicity or as a hyperlink without prior written permission of the Company.

Notification of Infringement
14.3

The Company reserves the sole right to investigate notices of copyright, trademark and other intellectual property infringement (hereinafter referred as “Infringement”) in respect of the Website (hereinafter referred as “Infringing Material”) and take appropriate action including any defense, settlement and/or discharge of such Infringement claim. If the IBA believes that Infringement is occurring on the Website, it shall notify the Company in writing immediately (“Infringement Notice”).

14.4

All Infringement Notices shall be sent to the Company’s address as mentioned on the Website.

14.5

The Company will duly consider all Infringement Notices submitted in the above manner. In return, the IBA agrees not to take any legal action or exercise any legal remedy which the IBA may have against the Company in respect of any Infringing Material, unless the IBA has first given the company the Infringement Notice and sufficient opportunity to remove the Infringing Material, and thereafter the Company refuses or fails to remove the Infringing Material within reasonable time. Where the Company removes the Infringing Material in response to IBA’s Infringement Notice, the IBA agrees not to exercise and hereby waives any right of action against the Company under applicable law which the IBA may have in respect of any Infringing Material prior to such removal by the Company.

15. Dispute of Resolution

If company is liable for this inconvenience caused and can pay back the course price to aggrieved party through the court. Under no circumstances shall either the Company’s aggregate liability under this clause to the IBA/consumer exceed an amount equal to the price of the product/Service/course material at the time of dispute minus amount of commission distributed on per sale of product/Service/Course Material.

All disputes, differences or disagreements arising out of, in connection with or in relation to this Agreement, which cannot be amicably settled within a period of 45 days from the date of notice of dispute shall be finally decided by arbitration to be held in accordance with the provisions of Arbitration and Conciliation Act, 1996.

The venue of Arbitration shall be SAS Nagar, Mohali, Punjab The Arbitration proceedings will be proceeded over by the Company’s management. The decision of the Arbitration shall be final and binding on the Parties. During the pendency of any dispute under arbitration proceedings, the Parties shall continue to exercise their respective rights and fulfill their remaining obligations under this Agreement. Class/Group Action Waiver The IBA expressly agree that any proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action, regardless of whether the procedures or rules of India would allow such an action. The IBA expressly waive their rights to file or participate in a class action or seek relief on a class or representative basis.

Class Action Waiver

The IEC expressly agree that any proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action, regardless of whether the procedures or rules of India would allow such an action. The IEC expressly waive their rights to file or participate in a class action or seek relief on a class or representative basis.

16. Force Majeure

Company shall not be liable for any failure to perform its obligations under this Agreement if the failure results from a Force Majeure Event. (Defined Below). For purposes of this Agreement, a “Force Majeure Event” is an event which is a circumstance or event beyond the reasonable control of a Company, which affects the general public in that company’s country or in the territory of the said company’s country and which results in the party being unable to observe or perform on time an obligation under this Agreement. Such circumstance or event shall include industrial action or labour disputes, civil unrest, war or threat of war, criminal or terrorist acts, government action or regulation, telecommunication or utility failures, power outages, fire, explosion, natural physical disasters, epidemic, quarantine restrictions, and general failure of public transport, server break down or any other circumstances does not mention here

17. Return of Confidential Information

It is hereby acknowledged and agreed by the IBA that it shall promptly return all copies (in whatever form reproduced or stored), including all notes and derivatives of the Confidential Information disclosed under this Agreement, within three (3) days from the termination of this Agreement.

18. Submission

We are always pleased to receive your comments and suggestions about the UnfoldU brand Products/Services/Courses this Website, and other services we provide. However, any information, including comments, suggestions, ideas, notes, drawings, concepts or other materials or information (hereinafter referred as "Submissions"), that you provide through this Website or in response to any content on this site, will become the Company’s property subject to its Privacy Policy as applicable. The Company and its designees may use any Submission without restriction, and are granted without limitation worldwide, perpetual, royalty-free, irrevocable right to reproduce, modify, edit, publish, make derivative works from and sell and distribute such Submission in any and all forms and media, now or hereafter discovered and for the Company to license others to do the same. The Company will not be liable to pay any royalty, claim, reward, consideration or other compensation for any Submission that is received or for any use thereof. If we receive Submissions that contain personally identifying information about the provider, such as their name, address and telephone number, the Company’s Privacy Policy will govern how to use or disclose this information. The Company’s Privacy Policy may be referred for further information.

19. Electronic Communications

19.1

When the IBA uses the Website or avails the Website services or sends any data, information or communication to the Company, the IBA agrees and understands that the IBA is communicating with the Company through electronic media/records and the IBA consents to receive communications via electronic records from the Company periodically and when required. The Company will communicate with the IBA by email or any push or other message or electronic records on the email address or mobile number available with the Company or made available to the Company through a partner which will be deemed as adequate service of notice/electronic record.

19.2

The IBA acknowledges that specific consent to the Company or its respective affiliates and partners contacting the IBA using the contact information which the IBA has provided to the Company at any time during the IBA’s association with the Company for any purpose including the following purposes:

a. To obtain feedback regarding the website/App;

b.To contact IBA for offering new products or services, whether offered by the company or by our respective affiliates or partners.

19.3

The IBA acknowledges and agrees that he/she may be contacted for the above purposes using any of the contact details provided by him/her, including via emails, text messages or phone calls.

19.4

In the event where the IBA has indicated any 'do not disturb' preferences to his telecom service provider and registered himself on the national customer preference register / 'do not disturb' or similar list, the IBA agrees to ensure that its registered preferences allow for communications to be sent to it in accordance with the above provisions.

20. Privacy policy

The privacy policy set forth below applies to the Company's Websites, and other authorized sales and marketing activities conducted in India and abroad. Please read this policy to understand how we'll handle your personal information as you take advantage of many activities and programs offered by the Company through this Website. We are committed to safeguard your privacy; The Company is committed to people and service. We respect your right to privacy. We believe that your personal information, including your purchases, e-mail address, billing and shipping addresses, telephone numbers and credit card information belongs to you. We will use this information to complete your purchases. We want to use this information to make your interaction with us more informative and fulfilling and to tell you about the wonderful products and opportunities available with the Company.

To Opt Out -

The company may contact you regarding your request for more information. To better protect the security and integrity of your information, we may also verify identity by requesting your full name, bill to address and e-mail address before granting access or making corrections to your information. The following applies to our Website, http://www.myunfoldu.com &http://www.unfoldu.com along with any other Company webpage like Facebook page (https://www.facebook.com/ Instagram (@ Twitter and YouTube etc. This is the only authorized UnfoldU Website serving India and abroad. Collection - Our Website may have various clubs, contests, surveys and other events. To join in these activities, we typically ask for your name, address, e-mail address and telephone numbers. We may ask for other personal information on a voluntary basis. We also have opportunities for you to contact us. Again, we typically ask for your name, billing and shipping addresses, e-mail address and telephone number plus any comments or questions you may have. Our Website may also provide opportunities for you to e-mail information, or product information, to a friend. This information is used only to e-mail the desired information and is not retained by the Company. Our Website may also include additional services. Some are provided by third parties (such as IBA locator services). These services may require information in order to serve your needs (such as your address). While we do not control these third parties, we ensure that they are contractually bound to use the information only for authorized purposes. We may also participate in Affiliate Programs, which may provide you with Cookies. "Cookies" are very small text files your Web Browser stores on your computer when you visit a Websites. It is your identification card and cannot be executed as code or deliver viruses. It is uniquely yours and can only be read by the site that gave it to you. Our cookies help make it easier for you to use our Websites and to help us customize your experience so that we can provide you with the information you need - when and where you need it. A cookie generated by https://www.myunfoldu.com & https://www.unfoldu.com for example, allows you to retrieve your Shopping Cart and address information on a return visit. Cookies do not collect this information, nor is your name, address or product information contained within the cookie itself. The cookie simply holds the "key" that, once read by our Websites, unlocks this information. Most browsers automatically accept cookies. However, you can disable cookies on your computer or have your browser notify you when you receive a new cookie by indicating this in the preferences or options menu in your browser. But because we rely on cookies to make the user experience easier and more tailored to your needs, your browser must be set to accept cookies before you can place an order. Please note that parts of the page may not work correctly if you disable cookies. By using our website, you agree to our use of cookies unless you have disabled them.

If you leave cookies turned on, ensure you sign off when you finish using a shared computer.
Data Security is Important to Us.
Ensuring security online is an important part of our pledge to respect your privacy. All of the customer data we collect is protected against unauthorized access.
Transfer of personal data.
As servers may be located in other jurisdictions your personal data may be transferred to, stored, used and processed in a jurisdiction other than India. You understand and consent to the transfer of personal data outside India.

Our Policy Doesn’t Apply to Other Websites:

Third party Internet sites and services accessible through https://www.myunfoldu.com & https://www.unfoldu.com have separate privacy and data collection practices that are beyond our control. While we try to work with third parties who share our views on privacy, we cannot assume responsibility or liability for their independent practices or actions. You're responsible for maintaining the secrecy of your passwords or any account information. We recommend that you carefully read their privacy policy before agreeing to leave any personal information.

Disclosure of Your Information:

We make an effort to keep your personal information confidential. However, we may be required to disclose your information to the government or third parties under a valid legal request. For example, a criminal investigation or a lawful subpoena may force disclosure. This is true of every business.

Your Consent:

By using our Website, you agree to let us collect and use information in a manner consistent with the guidelines stated in this policy.

21. Waiver

21.1

No waiver of any rights or remedies by the Company shall be effective unless made in writing and signed by an authorized representative of the Company.

21.2

A failure by the Company to exercise or enforce any rights conferred upon it by this Agreement shall not be deemed to be a waiver or variation of any such rights or operate to bar the exercise or enforcement thereof at any subsequent time or times.

21.3

Rights of Third Parties: A person or entity who is not a party to this Agreement shall have no right to enforce any term of this Agreement, regardless of whether such person or entity has been identified by name, as a member of a class or as answering a particular description. Notwithstanding the foregoing, the consent of any third party is not required for any variation (including any release or compromise of any liability) or termination of this Agreement.

22. Data Use & Privacy

22.1

The parties agree that some functionality of the Website may require the transmission of information provided by the IBA including usernames and passwords, mobile numbers, addresses, e-mail addresses, financial information (such as credit card numbers) or GPS location (“User Information”).

22.2

The IBA agrees and acknowledges that it shall not submit any personal information or data without first reading the Company’s Privacy Policy which explains Company’s data use and privacy practices in detail. If the IBA uses such Website functionality, the IBA shall be deemed to have consented to the transmission of its information to Company, its agents and/or service providers and authorized Company, its agents and/or service providers to record, process and store such information of IBA as necessary for the Website functionality and for purposes described in the Company’s Privacy Policy.

22.3

All information which the IBA provides in connection with the Website/App, Services or this Agreement shall be current, true, accurate, supportable and complete. The IBA shall promptly notify Company in writing of any changes to such information.

22.4

The IBA is solely responsible for maintenance of the confidentiality and security of any information transmitted from or stored on a device for purposes of the Web site for all transactions and other activities undertaken in the IBA’s name whether authorized or unauthorized. The IBA agrees to immediately notify the Company of any unauthorized transactions associated with the Website or any other breach of security. To the extent possible under the law, the Company shall not be responsible for any losses arising out of the loss or theft of the IBA’s information transmitted from or stored on a device or from unauthorized or fraudulent transactions associated with the website/App.

23. Provision of App, Website, Services &content

23.1

The Company reserves the right to change, modify, suspend or discontinue the whole or any portion of the Website, services or content at any time. The Company may also impose limits on certain features or restrict the IBA’s access to part(s) or the entire Website or content without notice or liability.

23.2

The Company does not guarantee that the Website or content will be available at all times or at any given time, as some natural calamity, technical glitch and/or other unavoidable circumstances may cause hindrance.

23.3

From time to time the Company may run competitions, bonanzas, promotions and surveys via the Website and Services, which may be subject to additional terms and conditions which you shall be notified through Website. By choosing to participate in such competitions, bonanzas, promotions or surveys, you shall be deemed to have accepted such additional terms and conditions and to have agreed to be bound by such additional terms and conditions.

24. Information handling

24.1

All of the Company’s rights and obligations under the Privacy Policy are freely assignable by any of its affiliates, in connection with a merger, acquisition, restructuring or sale of assets or by operation of law or otherwise and the Company may transfer the IBA’s information to any of its affiliates, successor entities.

24.2

The Company may collect, use, preserve and share the IBA’s information for sales, marketing, promotion and/or otherwise as required by the Company. Respond pursuant to applicable law or regulations, to legal process or to government requests;

a.Enforce the terms of this Agreement and any other applicable terms and policies including investigations of potential violations;

b.Detect, investigate, prevent and address fraud and other illegal activity, security, or technical issues; or

c.Protect the rights, property, and safety of the IBA, its affiliates or others.

24.3

The IBA agrees to the Company’s information practices, including the collection, storage, use, processing and sharing of the IBA information as described in this Privacy Policy, as well as the transfer and processing of the information to any other countries globally where we have or use facilities, service providers or partners, regardless of where the IBA uses the App. The IBA acknowledges that the laws, regulations and standards of the country in which your information is stored or processed may be different from those of your own country. The IBA further undertakes that all necessary and appropriate steps shall be taken to ensure the protection of all private information provided by a consumer as confidential at all time. Any misuse of private information of consumer may result in termination of agreement.

25. Miscellaneous

The company expressly reserves the right to alter, modify or amend prices, Rules and Regulations, Policies and Procedures, and the business plan. Upon notification on the official website of UnfoldU, such amendments are automatically incorporated as part of the Agreement between the Company and the Independent Business Associate. Unfold U shall not be responsible for any loss of the Associate due to any change thereof. Similarly, the Company shall not be responsible for any kind of losses occurred due to the termination if an IBA. The company reserves the right to make all final decisions as to the interpretation of the clauses stated in this document. Such final decision on interpretation of the clauses stated herein will be effective immediately. All Independent Business Associates are obliged to follow the Company`s decision as to the interpretation of the articles herein.

25.1

The Company shall not be responsible for failure to fulfill any of its obligations under this Agreement so long as and to the extent to which, the fulfillment of such obligation is fettered by any reason which is beyond reasonable control of the Company.

25.2

This Agreement shall not be deemed to constitute a partnership, employment or agency and no party shall have any authority to bind the other party otherwise than under this Agreement.

25.3

This Agreement and compensation plan and policy procedure shall constitute the entire understanding on the subject matter of this Agreement.

25.4

Third party linked sites, content and materials which the Company may provide links to third party sites that may be of relevance and interest to the IBA. The Company has no control over and is not responsible for the content on such sites or for any damage that a IBA may incur from such sites (including any virus, spyware, malware, worms, errors or damaging material contained in such sites) or the availability of any content on such sites and the IBA hereby irrevocably waives any claims against the Company with respect to such sites.

25.5

No failure by a party to exercise, nor any delay by the party in exercising any right, power or remedy hereunder shall operate as a waiver of that or any other right, power or remedy of the party, nor shall any single or partial exercise of any right, power or remedy preclude any other or further exercise of that or any other right, power of remedy.

25.6

This agreement may be executed in any number of counterparts, each of which shall be deemed to be original, but all such separate counterparts shall together constitute one and the same instrument.

25.7

The IBA may incur data charges from the service provider when using our Website and downloading the App or Content.

25.8

The headings and captions used in this Agreement are for convenience only and shall not be considered part of the subject matter of this Agreement or used to interpret or construe any provision here of.

25.9

The IBA shall not transfer or assign this Agreement, in whole or in part, in any manner whatsoever without the prior written consent of the Company.

25.10

This Agreement will be executed by the Parties through digital signatures. The Parties hereby agree that this Agreement shall not be deemed invalid solely on the ground that it was executed digitally by both or either of the parties.

25.11

Liability for using Visiting card and ID card. The IBA will not misuse the Company’s name and/or the identity/visiting card issued by the Company to the IBA. Company ID/ any other material issued by the company will be strictly used for marketing purposes only and not to avail any undue financial benefit. The IBA will not misbehave with any person using the Company’s name and/or the ID/visiting card. Indulgence in any activity of such nature (that brings bad repute to the Company) will not be tolerated. If under any circumstances, the IBA faces a legal procedure/court case, then both the consequences and expenses of the same will be borne by the IBA only.

25.12

An IBA authorizes Company to generate invoice on his/her behalf to (UnfoldU Global Marketing Private Limited) Company on weekly basis for the Commission payable to him/her.

25.13

The Company’s accounts and data will be considered as final proof. In the event of any dispute the Company’s data, accounts, computer records will be considered final and will be acceptable to the IBA. The IBA will abide by the final decision taken by the company.

25.14

25.15

The IBA are not allowed to advertise for the products of UnfoldU under the company name without written permission.

25.16

The Company may, in its discretion withhold direct and indirect taxes from any bonus payable to an IBA under this Agreement. An IBA recognizes that his/her bonus under this Agreement is based on his/her performance selling products and not on the number of hours worked or an element of chance.

25.17

LDP/Foreign/Domestic tour will be held if the minimum number of people qualifying for the Monthly Bonanza/Rank Achievement Reward is as per company discretion. If there are a smaller number of IBA, then the LDP will be postponed till the time there is sufficient strength.

25.18

In Monthly bonanza, you will be given only the highest reward achieved from the list.

25.19

If due to any reason, the IBA is not able to avail the LDP/Foreign/domestic trip arranged by the company, then the company will not pay any cash in lieu of the trip.

25.20

The company will not be responsible for bearing the expenses of any medical emergency/any other mis happening/tragedy occurring while the IBA is on LDP/foreign/domestic tour arranged by the company.

25.21

All the documentation and presentations uploaded latest in the “Training Manuals” on our Website https://www.myunfoldu.com will be considered as valid documentation globally. As, they (UnfoldU documents) represent the direct communication authority from UnfoldU. IBAs are advised to check all the notifications sent to them on their IBA dashboard login. IBAs are also advised to keep themselves updated with the latest Terms & Conditions and Policy & Procedures of the Company published on Website www.myunfoldu.com. You should not modify copy, reproduce, republish, upload or distribute it by making any changes in documentation provided directly by UnfoldU. In Case, we find any alteration or mislead done by any other party, then company shall not be liable for any damage due to it and company may terminate your IBA ID and will take legal action on it.

25.22

The IBA agrees at his/her own will and wish that within the last 30 days before his/her registration as IBA, he/she was not contacted/informed by any other IBA of the Company to join as IBA. In case of any kind of violation of this policy, the Company reserves the right to deactivate the IBA ID of such IBA and all the pending benefits (Incentives/Rewards or any other kind of benefit) will be forfeited by the Company.

25.23

The Company reserves the right to register students/users and IBAs directly without any involvement of other IBAs.

25.24 Goods and Services Tax (GST) IBA Registration for GST. IBAs must register for GST. A Provisional Certificate of Registration (Form GST REG-25) will be issued upon enrolment on GSTIN portal. Once provisional registration has been granted, the IBA should apply electronically (Form GST REG-24), duly signed, along with the information and documents specified in the application within a period of 3 months or within such period as may be extended in this behalf. If such information furnished in the application are found to be correct and complete, a certificate of registration in Form GST REG-06 shall be made available electronically on common portal. If the person fails to furnish the information within 3 months or information is found to be incorrect or incomplete, the provisional certificate of registration may be cancelled.

25.25 Minimum Commissions Payment IBA understands and agrees that minimum commission released will be Rs.500 (Applicable taxes will be deducted from this and remaining amount will be paid), otherwise it will be accumulated in

his/her digital wallet. If that IBA remains inactive for 24 consecutive months then association of that IBA will be cancelled and this amount will not be released to the IBA. (Here inactive means in 24 consecutive months IBA doesn’t sale any product/service or doesn’t develop any new active IBA as a sponsor).

25.26 Maximum Commissions Payout All the incomes shown in the IBA Compensation Presentation, are the maximum payable amount according to respective qualifying criteria. In addition, the company reserves the right to amend the IBA compensation plan at its discretion.

26. Disclaimer

The Company does not guarantee that the Mobile, website, services, or Content will be available at all times or at any given time. As all this can happen in this era of digitalization due to cyber-attack/hack or any other unavoidable technical glitch. While every effort is made to ensure accuracy, the Company makes no warranty as to the results that may be obtained from the use of this Website/ Offline Data through Pen Drive/Tablet or as to the accuracy or reliability of any information obtained through this Website. It is possible that this site is not compatible with the browser or other software you use. We reserve the right to terminate the Website at our sole and absolute discretion. We do not warrant the accuracy, validity or completeness of the information contained in the Website and expressly disclaims liability for errors or omissions therein. This website may contain outdated information, and the information can be changed or updated without notice. We shall not be responsible for any loss or damage resulting from inadvertent errors or omissions appearing on the Website. Your use of the Website is at your own risk and it shall be your responsibility to take precautions to ensure that the pages and materials are free from viruses, worms, Trojan horses or other items of a destructive nature. YOU UNDERSTAND AND AGREE THAT ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THIS WEBSITE/Offline through Pan Drive/ Tablet IS DONE AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE AND IN NO EVENT, SHALL WE BE LIABLE FOR ANY DAMAGES, INCLUDING DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS SITE OR ANY HYPERLINKED SITE. This Website/Offline through Pan Drive/ Tablet is provided “as is” and without express or implied warranties of any kind, and we expressly disclaim any warranties of title, merchantability or fitness for any particular purpose. We don’t represent or warrant that our Website will be available on a timely basis, uninterrupted, secured or error-free. In no event will we be liable for any damage or cause of any kind based upon or resulting from any use or inability to use this Website. Company DOES NOT claim/ guarantee that IBA will achieve financial success without working or by relying solely on the efforts of others. Compensation in company is based only on the sale of its products. An IBA is an independent contractor whose success/ failure depend on his/ her personal efforts.

Schedule of Fees:

Placement and Sponsorship changes	Rs. 10,000
Adding or Changing a Co-Applicant	Rs. 10,000
Changes Involving individual to a company	Rs. 10,000
Sale/Transfer of an IBA Ownership*	Rs. 25,000
Returned/Reissued Payment fee	Rs. 500

*To Transfer the IBA ownership, an IBA will be required to follow all the additional Terms & Conditions as per Company’s policy. The IBA ownership transfer fee may exceed than the described amount.

*********************************

UNFOLDU GLOBAL MARKETING (P) LTD.
POLICY AND PROCEDURES

1.	Welcome to UnfoldU
2.	Becoming an Independent Business Associate (IBA)
	2.1	Eligibility
	2.2	Application
	2.3	Acceptance
	2.4	Right to Reject
	2.5	Notice of Changes
	2.6	Orientation Session
	2.7	Prohibited Practices
	2.8	Abide by Rules
3.	Responsibilities of Independent Business Associates
4.	Legal Compliance
5.	Business Ethics for Independent Business Associates
6.	Kinds of Association with UnfoldU
	6.1	Individual
	6.2	Sole Proprietorship
	6.3	Partnership Firm/ Private Limited Company
7.	Sponsor’s Rights and Responsibilities
	7.1	Sponsoring Right
	7.2	Responsibility to Submit Completed Application with Documents
	7.3	Responsibility to Supervise
	7.4	Responsibility to Train new IBA
	7.5	Responsibility to Provide Complete Information
8.	Transfer of Sponsorship
9.	No Principal-Agent Relationship
10.	Claims
11.	Termination of an Independent Business Associate
	11.1	Disciplinary Actions
	11.2	Queries, Complaint, Grievance Procedure
	11.3	Right to Terminate
12.	Cooling off Period/Buy Back Policy/Refund /Cancellation of subscription
	12.1	Objective of the Policy
	12.2	How and when will the refund be processed
	12.3	Warranty on Website and content
13.	Cancellation of IBA Association
14.	Protection of Companies Intellectual Property Trademarks and Copyrights
15.	Dispute Resolution
16.	Force Majeure
17	Return of Confidential Information
18	Submission
19	Electronic Communications
20	Privacy policy
21	Waiver
22	Data Use & Privacy
23	Provision of App, Website, Services &content
24	Information handling
25	Miscellaneous
26	Disclaimer

1. Welcome to UnfoldU

2. Becoming an Independent Business Associate

2.1 Eligibility: To become an Independent Business Associate, the applicant must:

i.be of at least 18 years of age

ii.be able to manage his/her business due to mental or legal reasons

iii.not been suspended from his /her current profession or business by any business institution or associations

iv.not be in jail

v.not barred by law to enter into a contract.

2.2 Application:

2.3 Acceptance:

2.4 Right to Reject

2.5 Notice of Changes

2.6 Orientation Session

2.7 Prohibited Practices

2.8 Abide by Rules

3. Responsibilities of Independent Business Associates

3.1

3.2

The Independent Business Associate must strictly adhere to these policies and procedures.

3.3

If the customer indicates a desire to terminate the interview/meeting, the Independent Business Associate shall immediately do so and shall leave the premises of the customer.

3.4

3.5

The Independent Business Associate should read all the disclaimers, terms and conditions given with the application form and IBA compensation system.

3.6

3.7

3.8

3.9

3.10

3.11

The Independent Business Associate undertakes that it shall not participate in Money Circulation Scheme, as defined the Prize Chits and Money Circulation Schemes (Banning) Act,1978.

4. Legal Compliance

4.1

4.2

5. Business Ethics for Independent Business Associates

5.1

An Independent Business Associate should carry their identity card whenever visiting a potential customer and shall take a prior appointment from such person.

5.2

5.3

5.4

The Independent Business Associate shall provide the following information to consumers at the time of sale, namely:

a.Name, address, registration number or enrollment number, identity proof and telephone number of the Independent Business Associate and details of the Company.

b.A description of the services to be provided.

c.Explain to the consumer about the return policy of the company in detail before the transaction.

d.The order date, the total amount to be paid by the consumer along with the bill.

f.Details regarding the complaint redressal mechanism.

5.5

An Independent Business Associate shall not:

a.Use misleading, deceptive and/or unfair trade practices.

c.Make any factual representation to a prospective direct seller that cannot be verified or make any promise that cannot be fulfilled.

d.Present any advantages of direct selling to any prospective direct seller in a false and/or a deceptive manner.

f.Force prospective or existing Independent Business Associate to purchase any literature or training materials or sales demonstration equipment.

6. Kinds of Association with UnfoldU

6.1Individual

An individual can operate its Direct selling business after becoming an Independent Business Associate.

6.2Sole Proprietorship

A sole proprietor can become a business associate with UnfoldU.

6.3 Partnership Firm/ Private Limited Company

7. Sponsor’s Rights and Responsibilities

7.1Sponsoring Right

7.2Responsibility to Submit Completed Application with Documents

7.3 Responsibility to Supervise

7.4Responsibility to Train new IBA

7.5

Responsibility to Provide Complete Information

When soliciting a prospective UnfoldU Independent Business Associates to join the Company’s business, the sponsors must clearly explain the following

a.Service provided by the Company, performance,

b.Business plan

c.Policies and procedures

d.Independent Business Associates rights and duties

e.Other important things that will affect the judgement of the prospective UnfoldU Independent Business Associates.

8. Transfer of Sponsorship

a.In the case of unethical sponsoring by the original sponsor- in such cases, the Company will be the final authority; or

b.Resigning from the Company entirely- waiting 30 days to reapply under the new or same sponsor

c.If IBA dies and transfer to nominee if mentioned

9. No Principal-Agent Relationship

10. Claims

11. Termination of An Independent Business Associate

11.1

Disciplinary Actions

a.Issuance of a written warning

b.Imposition of liquidated damage, which may be recovered immediately or withheld from future entitlements checks

c.Freezing of entitlements for an indefinite period

d.Suspension, which may result in termination or reinstatement with conditions or restrictions

e.Termination of UnfoldU business membership

Termination

The Company reserves the right to terminate this Agreement for the breach of Direct Selling guidelines published by the Government of India or any State Government;

If the IBA fails to make any sale of products or services to new customer for a consecutive period for2 Years, then company reserve the right to terminate his ID without sending any written notice

This Agreement and all questions of its interpretation shall be governed by and construed in accordance with the laws, without regard to its principles of conflicts of laws.

11.2

Queries, Complaint, Grievance Procedure

11.2.1

Company can seek additional information if insufficient information, facts has been supplied to the Company, upon which the company is unable to make a decision.

11.2.2.

11.2.3.

11.2.4.

11.2.5.

11.3

Right to Terminate

12. Cooling off Period/Buy Back Policy/Refund /Cancellation of subscription

12.1Objective of the Policy

*Delay in verifying the content through OTP will not extend 30 days period for return request and will lapse irrespective of whether or not the content is verified.

12.2How and when will the refund be processed?

12.3

Warranty on Website and content

12.3.1.

12.3.2.

12.3.3.

13. Cancellation of IBA Association

13.1

The IBA of UnfoldU may cancel / terminate this Independent Business Associate agreement at any time and for any reason by notifying the Company in writing about the same.

13.2

13.3 Changes in the Ownership of IBA

13.4 Dissolution of Partnership

13.4.1 Requirements. During the pendency of entity dissolution, both parties must adopt one of the following methods of operation:

13.5 Transfer Requirements.

13.5.1To accomplish a transfer, the IBA must submit an amended IBA Application and,

13.5.2if transferring to a legal entity, a certificate of good standing from the state of organization and a copy of its charter documents showing all the interest holders and management; or

13.5.3 if transferring from a legal entity to the individual, an authorizing statement signed by an officer or director of the legal entity and signed by the individual and partner (if any).

13.6 Line Switching, Cross Sponsoring, and Enticement

Prohibited Activity.

Sales Forces of Other Companies

14. Protection of Companies Intellectual Property Trademarks and Copyrights

14.1

14.2

Notification of Infringement
14.3

14.4

All Infringement Notices shall be sent to the Company’s address as mentioned on the Website.

14.5

15. Dispute of Resolution

Class Action Waiver

16. Force Majeure

17. Return of Confidential Information

18. Submission

19. Electronic Communications

19.1

19.2

a. To obtain feedback regarding the website/App;

b.To contact IBA for offering new products or services, whether offered by the company or by our respective affiliates or partners.

19.3

The IBA acknowledges and agrees that he/she may be contacted for the above purposes using any of the contact details provided by him/her, including via emails, text messages or phone calls.

19.4

20. Privacy policy

To Opt Out -

If you leave cookies turned on, ensure you sign off when you finish using a shared computer.
Data Security is Important to Us.
Ensuring security online is an important part of our pledge to respect your privacy. All of the customer data we collect is protected against unauthorized access.
Transfer of personal data.
As servers may be located in other jurisdictions your personal data may be transferred to, stored, used and processed in a jurisdiction other than India. You understand and consent to the transfer of personal data outside India.

Our Policy Doesn’t Apply to Other Websites:

Disclosure of Your Information:

Your Consent:

By using our Website, you agree to let us collect and use information in a manner consistent with the guidelines stated in this policy.

21. Waiver

21.1

No waiver of any rights or remedies by the Company shall be effective unless made in writing and signed by an authorized representative of the Company.

21.2

21.3

22. Data Use & Privacy

22.1

22.2

22.3

22.4

23. Provision of App, Website, Services &content

23.1

23.2

23.3

24. Information handling

24.1

24.2

a.Enforce the terms of this Agreement and any other applicable terms and policies including investigations of potential violations;

b.Detect, investigate, prevent and address fraud and other illegal activity, security, or technical issues; or

c.Protect the rights, property, and safety of the IBA, its affiliates or others.

24.3

25. Miscellaneous

25.1

25.2

This Agreement shall not be deemed to constitute a partnership, employment or agency and no party shall have any authority to bind the other party otherwise than under this Agreement.

25.3

This Agreement and compensation plan and policy procedure shall constitute the entire understanding on the subject matter of this Agreement.

25.4

25.5

25.6

This agreement may be executed in any number of counterparts, each of which shall be deemed to be original, but all such separate counterparts shall together constitute one and the same instrument.

25.7

The IBA may incur data charges from the service provider when using our Website and downloading the App or Content.

25.8

25.9

The IBA shall not transfer or assign this Agreement, in whole or in part, in any manner whatsoever without the prior written consent of the Company.

25.10

25.11

25.12

An IBA authorizes Company to generate invoice on his/her behalf to (UnfoldU Global Marketing Private Limited) Company on weekly basis for the Commission payable to him/her.

25.13

25.14

25.15

The IBA are not allowed to advertise for the products of UnfoldU under the company name without written permission.

25.16

25.17

25.18

In Monthly bonanza, you will be given only the highest reward achieved from the list.

25.19

If due to any reason, the IBA is not able to avail the LDP/Foreign/domestic trip arranged by the company, then the company will not pay any cash in lieu of the trip.

25.20

The company will not be responsible for bearing the expenses of any medical emergency/any other mis happening/tragedy occurring while the IBA is on LDP/foreign/domestic tour arranged by the company.

25.21

25.22

25.23

The Company reserves the right to register students/users and IBAs directly without any involvement of other IBAs.

26. Disclaimer

Schedule of Fees:

Placement and Sponsorship changes	Rs. 10,000
Adding or Changing a Co-Applicant	Rs. 10,000
Changes Involving individual to a company	Rs. 10,000
Sale/Transfer of an IBA Ownership*	Rs. 25,000
Returned/Reissued Payment fee	Rs. 500

*To Transfer the IBA ownership, an IBA will be required to follow all the additional Terms & Conditions as per Company’s policy. The IBA ownership transfer fee may exceed than the described amount.

*********************************

UNFOLDU GLOBAL MARKETING (P) LTD.
INDEPENDENT BUSINESS ASSOCIATE (IBA) AGREEMENT’S TERMS & CONDITIONS

This IBA Application form constitutes the contractual offer of the undersigned individual(s) or legal entity (through its authorized signatory), as applicable, addressed to the company to enter into an Independent Business Associate (hereinafter referred to as ‘IBA’) Contract with the company under the Terms and Conditions specified in IBA agreement. The Applicant(s) hereby certifies(y) that he/she/they/it/is/are legally competent to do business and is/are not bound by any legal requirement restricting or prohibiting his/her/their/its appointment as an IBA.

By accepting this application digitally, I/we confirm that I have read and understood all the terms and conditions of the company in IBA agreement, compensation plan and other policy procedures, about free joining and its cooling off period. I further understand and agree that this application and any ensuing IBA agreement upon acceptance of this application by the company shall be subject to the Terms and Conditions given in the IBA agreement including the constituent documents as amended from time to time. Furthermore, I understand and agree that my/our information provided in connection herewith may be used in accordance with the company’s policy available at www.myunfoldu.com (hereinafter referred as the “Website”).

Upon acceptance of the Agreement (as defined hereinafter) by UnfoldU and in consideration of UnfoldU granting to me the non-exclusive right and privilege to promote and sell UnfoldU Products/Services and promote the business opportunity, I (including any co-applicant) am accepting this application under my/our own free will.

I have read the Company's policies, procedures and Business/Compensation plan (“Company Policy') and agree to abide by them. I agree to operate my business in accordance with the Company Policy as amended by the Company from time to time. I understand that my acts or lack of action which may result in a misuse, misrepresentation or violation of the Company Policy can cause the termination of my distributorship by the Company without any payments/rewards/giftsof whatsoever nature with immediate effect.

I hereby agree to the following terms and conditions of Independent Business Associate Agreement

THIS INDEPENDENT BUSINESS CONTRACTOR AGREEMENT

(Hereinafter referred to as "Agreement") is effective and shall become binding from the date of joining if and when the Company, in its sole discretion, accepts the IBA Application.
By and between M/SUnfoldU Global Marketing Pvt. Ltd., a company incorporated under the Companies Act, 1956/ 2013, having its principal place of business at Building no 1019, FF, Sec - 77, SAS Nagar, (Mohali), Punjab-160055, India ("COMPANY") which expression shall include its successors and permitted assigns. And "Independent Business Associate (hereinafter referred to as "IBA" or "you"), Each of the aforesaid shall hereinafter be referred to individually as a "PARTY" and collectively as "PARTIES".

WHEREAS;

The Company is an entity engaged in providing educational services through Direct Selling or any other traditional methods, e-commerce services and any other kind of online services.

The Company is desirous of engaging the services of the IBA to provide services for promotion and procurement of business for the Company on such terms and conditions as set out in this Agreement.

The IBA is desirous of being engaged by the Company to provide such services for the promotion and procurement of business through referring the courses of the Company to the prospective customers on such terms and conditions as set out in this Agreement.

The IBA represents and warrants that it has reasonable skill, knowledge, experience, expertise, capability and contacts necessary for the proper execution and completion of the work for the Company as provided under this Agreement.

The IBA is desirous of providing services for the promotion and procurement of business for the Company on commission basis.

Following are the parts of IBA Agreement:

The IBA Application Form;
The Terms and Conditions forming part of the IBA Application;
Compensation/Business Plan;
Territory: Shall mean the Republic of India (except Maharashtra) and may be worldwide;
Take Down Policy;
Privacy Policy;
Disclaimer;
Orientation of UnfoldU Business.

Based on such representations made by the IBA the Company has agreed to enter into this Agreement for promotion and procurement of business by the IBA on the terms and conditions mentioned below. NOW, THEREFORE, in consideration of the mutual promises and covenants contained here in for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the Parties here to agree as follows:

1. Effective Date:

This agreement is effective from the date of joining of IBA upon accepting the terms of this agreement and upon acceptance of this application by the Company.

2. Eligibility:

By accepting the IBA agreement, the IBA represents that the IBA fulfilled the following mentioned points required to register as IBA

be of at least 18 years of age

be able to manage his/her business due to mental or legal reasons

III

not been suspended from his /her current profession or business by any business institution or associations

not be in jail

not barred by law to enter into a contract.

To become an Independent Business Associate of UnfoldU, applicant is required to fill and accept digital IBA application form and upload proof of address, photo identification and other documents as required by UnfoldU. In case of sole proprietorship, partnership or companies (“Business Entity”) such document needs to be submitted of the authorized signatory of the Business Entity.

3. Duration:

It is hereby acknowledged and agreed that this Agreement is valid and shall remain valid till IBA is in compliance with the terms of this Agreement, as it may be amended from time to time.

4. Joining of this Company:

Joining of this company is absolutely free and IBA will be qualified for commission when you start making sales and no commission will be paid on recruitment of IBA. Company has No-Joining fee, No-Annual fee No-Renewal fee.

5. Scope of Work:

The IBA agrees to provide the services to the Company through referring the courses of the Company and procuring business there in.

6. Sponsorship or Recommendation of IBA:

In accordance to this Agreement, the IBA may recommend or sponsor other IBA's and support them to build the Company’s business of Off line / online educational courses or other services, subject to approval by the Company, and upon approval and engagement by the Company such IBA will be get paid commission as per Compensation Plan.

IBA shall explain the realistic income potential to the prospective IBA.

The IBA undertakes that he/she shall not impose a requirement on a prospective and/ or any existing IBA at any time to pay any registration, entry, renewal fees or any such other consideration in whatsoever name it is called in order to participate in company’s Direct Selling Business, except for purchase of goods, availing any services.

III

I agree that this Agreement is personal in nature and cannot be assigned, sub-contracted or transferred without written confirmation from the company.

The IBA further undertakes that all necessary and appropriate steps shall be taken to ensure the protection of all private information provided by a consumer or IBA as confidential at all time.

The IBA DOES NOT get paid on recruiting people. Commission will be paid only from sale done by an IBA.

Company DOES NOT give rights/ sole selling agency to any individual/ concern/ organization of a particular area/ territory/ city.

VII

An individual initially joins UnfoldU as retailer IBA for free without any registration charges or fee. After completing the retail sales of different products and services of UnfoldU worth 5 Point Values (PVs) combined, that IBA can start building his/her team of new IBAs by following all latest Terms & Conditions, Policy, Procedures and Guidelines of the company.

7. Consideration:

7.1

The Company agrees to make payments in the form of commission and other bonuses on the courses sold by the IBA as per the Compensation Plan of the company.

7.2

All commission payments shall be made to the IBA by the Company after 21 working days of receiving the full payment of the fees of the course sold to the student or customer.

7.3

All payments shall be made subject to the deduction of applicable taxes as per Government Tax rules and IBA is responsible to declare full income to the Income tax department.

7.4

The IBA agrees that if the payment due is not cleared on a particular day due to any technical or other reasons, then in such case the payment will be released on next working day or as soon as possible, provided that such technical or other problem has been sorted.

7.5

In the time-to-time analysis if the Company realizes that the total pay-out being given is more than the pay-out budget set by the Company, then the Company reserves the right to change the pay-outs.

8. Amendment or Changes:

The Company undertakes to maintain and update the Website with all relevant details of the Company, contact information, its management, products, product information etc. The Company reserves its right to amend terms and conditions, policy and procedure, commission structure, Compensation/Business plan, product bonuses, cash bonuses, reward items and their value from time to time as per its sole discretion. The Company may will notify any such amendments on its Website. Upon notification on the official website of UnfoldU, such amendments are automatically incorporated as part of the Agreement between the Company and the Independent Business Associate. If the IBA does not agree to be bound by such amendment(s), he/she/they may terminate the IBA Agreement with immediate effect by giving a written notice to the Company. Otherwise, the IBA's continued relationship with the Company constitutes an affirmative acknowledgment by the IBA of the amendment(s), and his/her/their agreement to be bound by the same. UnfoldU shall not be responsible for any loss of the Associate due to any change thereof. Similarly, the company shall not be responsible for any kind of losses occurred due to the termination of an IBA.

9. Obligations and Undertakings of IBA

9.1 Obligations and Undertakings of IBA

The IBA undertakes that the services by the IBA will not violate any applicable government regulations and other legal obligations that affect the operation of his/her/their business. The IBA shall be responsible for obtaining any applicable registration, license, approval or authorization, to carry out the business as IBA, copy of which, if any, shall be provided to the company.

The IBA shall not sell any courses/ product/services for a price exceeding the authorized price by the company.

III

The IBA shall always carry their identity card and not visit the consumer’s premises without prior appointment / approval;

The IBA shall truthfully and clearly identify themselves and state the purpose of solicitation to the prospective consumer and state the identity of the company, provide complete explanation and demonstration as well as description of the nature of courses, products and services being offered for sale, provide details of prices, credit terms, terms of payment, return policies, terms of guarantee, after-sales service, complaint redressal mechanism etc.;

The IBA shall not enter into any agreement/arrangement, which purports to create an obligation of or be binding on the Company or incur any liability on behalf of the Company.

VII

The IBA shall publish, distribute, broadcast and circulate any promotional materials provided by the Company itself during the course of the promotion with respect to this Agreement after obtaining a prior written approval on the same from the Company.Also, an IBA is not authorised to upload, promote live or publish any banner/audio/video of any type related to Product/Service, Business Model, Bonanza or any other event/training on any social media platform like Facebook, YouTube, Instagram etc. or on any internet platform without prior written approval from the company.

VIII

The IBA shall provide all the necessary information including but not limiting to PAN card number, Aadhar Card number and Bank Account number, Photograph as requested by the Company. Further, the Company reserves its right to use IBA’s information for marketing or other purposes as required by the Company.

The IBA shall ensure that no negative publicity is attracted to the Company including but not limited to negligence by the IBA, employee(s) of the IBA, or any other third party appointed/ under the control of the IBA.

The name of the applicant must match with the PAN Card/Age proof document submitted along with the form. In case of any small difference in the name - the documentary evidence thereof or a letter signed by the applicant must be provided.

All IBAs please ensure that the applicants name matches with their Name on the Bank account.

In case the name is not mentioned on the cheque, the IBA should submit/upload a cancelled cheque with name written on it. OR, the IBA can submit/upload the 1st page of the passbook.

If name does not match then company will be unable to deposit commission/bonus in your bank account.

The company is not responsible for the amount deposited in the account in case where the name was not mentioned in the cheque.

IBA shall not collect cash or borrow money from any student / customer/ vendor or from other independent business partner on behalf of the Company.

This Agreement is entered into on a personal basis and neither this Agreement nor any of the rights or obligations of IBA arising under this Agreement may be assigned or transferred without the prior written consent of Company.

Company may reject this application for any reason, at its discretion, including if the application contains incomplete, inaccurate, false or misleading information. Any alteration or modification will be subject to verification.

The IBA hereby expressly authorizes company to make available, release and disseminate all or part of the information set forth herein to other IBA's & Customers within or outside of India. The IBA agrees that he/she has read and understand company's Privacy Policy as published on its website in respect of the information set forth herein or any other information provided by the IBA to company. The IBA agree to receive SMS & Email notifications from company and its affiliates concerning their Business.

The IBA undertakes to provide necessary information to the prospective /consumers at the time of sale, namely:

Name, address, registration number or enrolment number, identity proof and telephone number of the IBA and details of the Company;

A description of the goods or services to be supplied;

Explain to the consumer about the goods return policy of the Company in the details before the transaction

The order date, the total amount to be paid by the consumer along with the bill and receipt; (Note: Invoice will be generated at the time of payment through website and its copy will be emailed to the consumer. If consumer does not have email account, then it will be uploaded in consumer account on website;

Time and place for inspection of the sample and delivery of good; Information of his/her rights to cancel the order and / or to return the product in saleable form/condition;

Details regarding the complaint redressal mechanism;

XII

IBA understands and agrees that minimum commission released will be Rs.500(Applicable taxes will be deducted from this and remaining amount will be paid),otherwise it will be accumulated in his/herdigital wallet. Ifthat IBA remains inactive for 24 consecutive months then association of that IBA will be cancelled and this amount will not be released to the IBA. (Here inactive means in 24 consecutive months IBAdoesn’tsale any product/service or doesn’t develop any new active IBA as a sponsor).

The IBA undertakes that he/she shall not:

Use misleading, deceptive and / or unfair trade practices;

Use misleading, false, deceptive, and / or unfair recruiting practices, including misrepresentation of actual or potential sales or earnings and advantages of direct selling to any prospective direct seller, in their interaction with prospective direct sellers;

Make any factual representation to a prospective direct seller or other business partner that cannot be verified or make any promise that cannot be fulfilled;

Present any advantages of direct selling to any prospective direct seller or business partner in a false and / or a deceptive manner;

Knowingly make, omit, engage, or cause, or permit to be made, any representation relating to this Agreement, including remuneration system and agreement between the Company and the IBA, or the goods and / or services being sold by such direct seller which is false and / or misleading;

Require or encourage direct sellers or business partners recruited by the first mentioned direct seller to purchase goods and / or services in unreasonably large amounts;

Provide any literature and / or training material not restricted to collateral issued by the Company, to a prospective and / or existing business partner both within and outside the Company, which has not been approved by the Company

Require prospective or existing business partners to purchase any literature or training materials or sales demonstration equipment.

IBA shall not sell Product/Service provided by the company less than or More than the price fixed by the company. The IBA undertakes to act in accordance with the provisions of the Consumer Protection Act 1986. The IBA undertakes not to promote a Pyramid Scheme, as defined in the Model Direct Selling Guidelines issued by the Government of India or enroll any person to such scheme or participate in such arrangement in any manner whatsoever in the garb of doing direct selling business. The IBA undertakes that it shall not participate in Money Circulation Scheme, as defined the Prize Chits and Money Circulation Schemes (Banning) Act, 1978. The IBA agrees that if he is qualified for any foreign trip or any official trip (domestic or international) or at any event organized by the Company, then the Company shall not be liable for any miss happening, damages, injury, thefts or any loss that occurs to the IBA during such trip or event. The IBA further agrees and acknowledges that there is no replacement policy on any rewards/gifts/prizes won by IBA in the course of this Agreement.

9.2 Obligations and Undertakings of the Company:

The Company will be liable for grievances arising out of sale of products, services or business opportunity by the IBA to the extent of resolving such grievance pertaining to some discrepancy in the content of the course uploaded by the company. IBA/ Consumer shall notify such discrepancy immediately to the company, if it is not resolved within 45 days then company will be liable for this inconvenience caused and can pay back the course price to aggrieved party through the court. Under no circumstances shall either the Company’s aggregate liability under this clause to the IBA/consumer exceed an amount equal to the price of the product/Service/course material at the time of dispute minus amount of commission distributed on per sale of product/Service/Course Material.

10. Independent Contractor:

In performing the services, the IBA will act as an independent contractor, and not as an employee of the Company, nor will any of IBA’s employees or contract personnel employed by IBA shall be deemed to be employees of the Company. IBA will be a self-employed independent contractor, (determining his own schedule and objectives, responsible for his own expenses and any applicable taxes Including self-employment taxes), not an employee, agent franchisee, securities holder, joint venture or beneficiary of company. IBA will not be treated as an employee with respect to such services for any Central and or State tax purposes, nor will he be treated as an employee for any other purpose.

As an independent contractor, you will be operating your own business. The IBA shall have the right to perform services for other entities not engaged in the educational services. The IBA shall not be entitled to any fringe benefits, including health insurance, benefits, or other employee benefits provided by the Company to its employees nor will he/she can make any claim to the contrary. The IBA has no authority to create or assume any obligation on behalf of the Company, or to hold itself out as having such authority, without the prior written consent of the Company.

11. Cooling Off & Buy-Back Policy Cooling off Period/Buy Back Policy/Refund /Cancellation of subscription :

11.1 Objective of the Policy:

Product(s) eligible for cancellation and return

Only the products purchased from the UnfoldU website are eligible for cancellation and/ or returns. product(s) purchased from any unauthorized source, including unauthorized agencies purporting to be authorized business associates of UnfoldU are not eligible for cancellation and/or returns.

OTP verification

You will be prompted to confirm your subscription (through the OTP process) whenever you will log in before 30 days of purchase. This is for your acceptance of content and features of the package as per your satisfaction level without any objection or grievance. Once you verify, you will not be eligible to apply for refund.

How and when to request cancellation of product(s)/Service (s)?

The request for cancellation can be made until you are verified through OTP, which should not exceed 30 calendar days from the date of purchase. You need to send the cancellation request on the email address customercare@unfoldu.com. Any request for cancellation of an order after OTP verification (Redeem Process) or request made through any other medium except the above-referred email address shall not be considered as a valid request and shall not be entertained. The final decision for acceptance or rejection of any request for cancellation shall rest with UnfoldU.

How and when to request the return of a product? (Applicable only in case you have not logged in your package within 30 days of purchase)

The request for return can be made within 30 days of placing the order at the email address customercare@unfoldu.com.. The request for the return of a product cannot be made in the following scenarios:

If the purchaser has verified the content through OTP which will be automatically generated within 30 days of the date of purchase whenever login will be done first time.
If the request for return is made after 30 days* from the date of purchase.
If the request for return is made through any other platform/ medium other than email address mentioned above.

*Delay in verifying the content through OTP will not extend 30 days period for return request and will lapse irrespective of whether or not the content is verified.

What are the conditions under which a physical/tangible Product can be returned?

A physical/tangible product such as those available on pen-drives, tablets, TV box, transferred through external hard drive etc. are subject to return only if:

a. The product delivered is not of the same specifications as ordered; or
b. The product is delivered in a damaged condition; or
c. The content or material as embedded in the Offline product is found to be incorrect or any objectionable content is advertised or displayed which may have an adverse impact on the mindset of the user(s).

The defective physical/tangible products will be returned only if they are returned with the original packaging including, price tags, labels, original packing, freebies, and other accessories and the products have not been damaged.

11.2 How and when will the refund be processed?

The refund will be processed in the same bank account in which the initial payment for placing the order was made. No alternate mediums like cash, Pay TM, etc. will be used for making the refund payments.

Nominal charges including but not limited to bank charges and shipping expenses shall be deducted from the total refund amount due to the purchaser(s).

12. Unauthorized Acts:

It is hereby agreed between the parties that the Company shall, in no way, be liable vicariously or otherwise or be held responsible for the act(s) of the IBA which are not authorized by the Company in writing or under this Agreement. Conduct: Company is in business relating to education dealing with students and expects its IBA's to conduct themselves with the highest ethics and integrity. IBA will have to give an undertaking that he/she has not been convicted of a crime involving dishonesty, moral turpitude or violence to others.

13. Undertaking Similar Projects:

It is hereby acknowledged and agreed by the IBA that it shall not undertake, during the pendency of this Agreement or within a period of twenty four (24) months from the date of termination of this Agreement (whether voluntarily or involuntarily and with or without cause) or perform similar scope of work for any individual or entity or a body corporate.

14. Indemnity:

The IBA agrees to indemnify and keep harmless the Company (including without limitation its officers, representatives, directors and employees) from any damage, loss, cost or liability (including legal fees and all costs for enforcing this indemnity) arising out of or resulting from misrepresentation, breach of representation, undertaking, obligations or warranties under this Agreement. The IBA further agrees to co-operate with and assist the Company to the fullest extent possible and to defend the Company in any proceeding(s) that may be initiated by any third party against the Company in any tribunal, court of law or forum arising out of the fault, negligence or fraud on part of the IBA. Also, the IBA shall indemnify the company any expenses arising out of: any installation, access and use of the app, services and/or content;

IBA's breach of any terms and conditions of the Agreement;

IBA's violation of any rights of another person or entity when such person or entity has claimed compensation for such violation against the Company; or

any action brought on the Company due to IBA's breach of any statutory requirement, duty or law.

15. Confidentiality:

The IBA undertakes that all confidential information including but not limited to knowledge and data of a confidential nature, trademarks, trade secrets, law lists, publications or any other matter concerning the business or finances of the Company or any of their dealings, transactions or affairs, identity of potential persons of interest, business plans, financial forecasts, market data, compensation agreements which it shall acquire or which may come to its knowledge during the term of this Agreement shall at all times, both during the term of this agreement and subsequent to the termination thereof and for all purposes will be held confidential. Further, subsequent to the termination of this Agreement, the IBA undertakes not to disclose, divulge and communicate orally, in writing or otherwise to any person any confidential information.

Further, both parties agree and undertake to take appropriate steps to ensure the protection of all private information provided by consumers or students in furtherance of this Agreement.

16. Liability for Breach:

It is hereby acknowledged and agreed by the IBA that:

16.1

Any breach of this Agreement may cause irreparable damage to the Company and that in the event of such breach the Company shall have the right to seek and obtain injunctive relief or any other appropriate decree of specific performance for any actual or threatened breaches by the IBA without the necessity of proving actual damages being caused or showing that monetary damages would be an adequate remedy.

16.2

The IBA shall be liable for any breach of this Agreement by a third party to whom it has directly or indirectly communicated the Company’s Confidential Information; and

16.3

The IBA shall immediately notify upon becoming aware of any breach of confidence by any -body to whom it has disclosed the Confidential Information and give all necessary assistance in connection with any steps which the Company may wish to take to prevent, stop or obtain compensation for such a breach or threatened breach.

17. Severability:

If any provision of these terms & conditions is declared invalid, illegal or unenforceable in any respect, the remaining provisions shall remain in full force and effect.

18. Jurisdiction:

The IBA irrevocably consents to the exclusive jurisdiction of the courts of SAS Nagar, Mohali, Punjab, India for purposes of any legal action arising out of or related to this Agreement.

19. Dispute Resolution:

In case of any dispute, difference or disagreement in connection with or in relation to this Agreement, the aggrieved Party shall vide a written notice send in detail its grievances to the other party. The other party shall within forty-five (45) working days from the receipt of such written notice provide a written resolution to the aggrieved party’s grievance.

In case of resolution is agreed upon by the parties within the stipulated period, then both the parties shall attempt to mutually discuss the matter and settle the same amicably. If company is liable for this inconvenience caused and can pay back the course price to aggrieved party through the court. Under no circumstances shall either the Company’s aggregate liability under this clause to the IBA/consumer exceed an amount equal to the price of the product/Service/course material at the time of dispute minus amount of commission distributed on per sale of product/Service/Course Material.

All disputes, differences or disagreements arising out of, in connection with or in relation to this Agreement, which cannot be amicably settled within a period of 45 days from the date of notice of dispute shall be finally decided by arbitration to be held in accordance with the provisions of Arbitration and Conciliation Act, 1996. The number of arbitrators shall be one. The language of the arbitration proceedings shall be in English. The Arbitrator shall have an understanding of the direct selling industry and experience in arbitrating disputes between direct selling companies and distributors.

The venue of Arbitration shall be SAS Nagar, Mohali, Punjab

The Arbitration proceedings will be proceeded over by the Company’s management.

The decision of the Arbitration shall be final and binding on the Parties. During the pendency of any dispute under arbitration proceedings, the Parties shall continue to exercise their respective rights and fulfill their remaining obligations under this Agreement.

20. Miscellaneous:

The company reserves the right to make all final decisions as to the interpretation of the clauses stated in this document. Such final decision on interpretation of the clauses stated herein will be effective immediately. All Independent Business Associates are obliged to follow the Company's decision as to the interpretation of the articles herein.

20.1

The Company shall not be responsible for failure to fulfil any of its obligations under this Agreement so long as and to the extent to which, the fulfilment of such obligation is fettered by any reason which is beyond reasonable control of the Company.

20.2

Third party linked sites, content and materials which the Company may provide links to third party sites that may be of relevance and interest to the IBA. The Company has no control over, and is not responsible for the content on such sites or for any damage that anIBA may incur from such sites (including any virus, spyware, malware, worms, errors or damaging material contained in such sites) or the availability of any content on such sites, and the IBA hereby irrevocably waives any claims against the Company with respect to such sites.

20.3

This agreement can also be terminated by providing a prior notice of 30 (thirty) days, if the Independent Business Associate is unable to promote the business of the Company or is unable to procure any business for the Company for a continuous period of 2 (two) years from the date of last successful business transaction made by the Independent Business Associate

20.4

20.5

This agreement may be executed in any number of counterparts, each of which shall be deemed to be original, but all such separate counterparts shall together constitute one and the same instrument.

20.6

The IBA may incur data charges from the service provider when using Website/App and downloading the App or Content.

20.7

20.8

The IBA shall not transfer or assign this Agreement, in whole or in part, in any manner whatsoever without the prior written consent of the Company.

20.9

This Agreement will be executed by the Parties by following standard OTP verification process. The Parties hereby agree that this Agreement shall not be deemed invalid solely on the ground that it was executed digitally by both or either of the parties.

20.10

Liability for using Visiting card and ID card. The IBA will not misuse the Company's name and/or the identity/visiting card issued by the Company to the IBA. Company ID/ any other material issued by the company will be strictly used for marketing purposes only and not to avail any undue financial benefit. The IBA will not misbehave with any person using the Company's name and/or the ID/Visiting Card. Indulgence in any activity of such nature (that brings bad repute to the Company) will not be tolerated. If under any circumstances, the IBA faces a legal procedure/court case, then both the consequences and expenses of the same will be borne by the IBA only.

20.11

The IBA authorizes company to generate invoice on his/her behalf to (UnfoldU Global Marketing Private Limited) Company on weekly basis for the Commission payable to him/her.

20.12

The Company's accounts and data will be considered as final proof. In the event of any dispute the Company's data, accounts, computer records will be considered final and will be acceptable to the IBA. The IBA will abide by the final decision taken by the company.

20.13

The IBA are not allowed to advertise for the products/service of UnfoldU under the company name on any platform without written approval from the Company.

20.14

The Company may, in its discretion withhold direct and indirect taxes from any bonus payable to me under this Agreement. l recognizes that my bonus under this Agreement is based on my performance selling products and not on the number of hours worked or an element of chance.

20.15

All the income shown in the IBA Compensation Presentation, is the maximum payable amount according to respective qualifying criteria. In addition, the company reserves the right to amend the compensation plan at their discretion.

20.16

An IBAs is required to ensure that the subscription (payment) is done within 30 days of the registration of the student referred by him/her (Direct Students). If the subscription (payment) is not done within 30 days of the student registration, then the concerned direct student will be removed automatically from the direct student list (database) of that IBA and after that the company reserves the right to contact that student to offer the product and/or services directly and no any incentive/commission will be given to that IBA or senior IBAs for any such direct sale from the company.

20.17

An IBA cannot associate at two positions (or can not be sponsored by two sponsors). Further, an IBA can resign from his/her IBA position at anytime as per his/her will by writing to the Company on customercare@unfoldu.com with a copy to his/her sponsor. Such IBA (if willing) can associate with the same or any other IBA on new position only after 30 days of resignation. This types of reassociation after resignation can be entertained only once during the association period of IBA with the company. It is important to note that in the process of resigning from one position and associating at any other new position after 30 days will not disturb the old team of that IBA and the whole team will remain on the old position i.e., no team shifting is permissible under any circumstances.

21. Disclaimer :

The Company does not guarantee that the mobile, website, services or content will be available at all times or at any given time. As all this can happen in this era of digitalization due to cyber-attack/hack or any other unavoidable technical glitch. While every effort is made to ensure accuracy, the Company makes no warranty as to the results that may be obtained from the use of this Website/ Offline Data through Pen-Drive/Tablet or as to the accuracy or reliability of any information obtained through this Website. It is possible that this site is not compatible with the browser or other software you use. We reserve the right to terminate the Website at our sole and absolute discretion. We do not warrant the accuracy, validity or completeness of the information contained in the Website and expressly disclaims liability for errors or omissions therein. This website may contain outdated information, and the information can be changed or updated without notice. We shall not be responsible for any loss or damage resulting from inadvertent errors or omissions appearing on the Website. Your use of the Website is at your own risk and it shall be your responsibility to take precautions to ensure that the pages and materials are free from viruses, worms, trojan horses or other items of a destructive nature. YOU UNDERSTAND AND AGREE THAT ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THIS WEBSITE/OFFLINE THROUGH PENDRIVE/ TABLET IS DONE AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE AND IN NO EVENT, SHALL COMPANYBE LIABLE FOR ANY DAMAGES, INCLUDING DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS SITE OR ANY HYPERLINKED SITE.

This Website/Offline through Pen-Drive/ Tablet is provided "as it is" and without express or implied warranties of any kind, and we expressly disclaim any warranties of title, merchantability or fitness for any particular purpose. The Company doesn't represent or warrant that its Website will be available on a timely basis, uninterrupted, secured or error-free. In no event Company will be liable for any damage or cause of any kind based upon or resulting from any use or inability to use this Website. Company DOES NOT claim/ guarantee that IBA will achieve financial success without working or by relying solely on the efforts of others. Compensation in company is based only on the sale of its products. An IBA is an independent contractor whose success/ failure depend on his/ her personal efforts.

*********************************

Criteria	Status	UnfoldU’s compliance
Entity should be owner of IP		Unfold U Global Marketing Pvt. Ltd. is the owner of the IP used for advertisement and marketing purpose.
Issue proper identity document(s) to its Direct Sellers		We understand that UnfoldU has provided the same
maintain proper records either manual or electronic of their business dealings
maintain proper records either manual or electronic of their business dealings, etc. Website should have space for registering consumer complaints and should ensure that grievances are addressed within 45days of making such complaints
provide to all direct sellers their periodic account / information concerning, as applicable, sales, purchases, details of earnings, commissions,bonus
monitor the value of the purchases of all its Direct Sellers/Distributors on a monthly basis
Must not: Use misleading, deceptive or unfair recruiting practices, Make any factual representation to a prospective direct seller which cannot be fulfilled Make any false representation Engage in, or cause or permit, any conduct that is misleading or likely to mislead Use, or cause or permit to be used, fraud, coercion, harassment, or unconscionable or unlawful means Require its direct sellers to provide any benefit Provide any benefit to any person for the introduction or recruitment of one or more persons as direct sellers; Require the direct sellers to pay any money by way of minimum monthly subscription or renewal charges

Criteria	Status	UnfoldU’s compliance
Protection of all private information provided by a consumer		We understand that UnfoldU provides the same
Compliance to Consumer Protection Act 1986
All complaints received over phone, email, website, post and walk-in should have a complaint number for tracing and tracking the complaint and record time taken for redressal
Constitution of a grievance redressal committee having consist of at least three officers and should address complaints and inform complainants of any action taken
Provide following information to the consumer upon purchase:  the name of the purchaser and seller;  the delivery date of goods or services;  procedures for returning the goods;  warranty of the goods and exchange / replacement of goods in case of defect.

Legal Opinion

Dear Sir,

A. BACKGROUND

B. APPLICABLE LAWS AND RELEVANTPROVISIONS

C. ANALYSIS OF BUSINESS OPERATIONS OF UNFOLDU

D. CONCLUSION

4.2 Rank Override Bonus (ROB)

4.3 Leadership Generation Bonus (LGB)-

4.4 UnfoldU Royalty Club (URC)

5. DEFINITIONS AND QUALIFICATIONS