Affiliate Agreement

Section 01

Participation & approval

This agreement is between MCS Coaching & Consulting LLC, doing business as Encompass Life (“Company”), and the individual or organization approved to participate (“Affiliate”). It covers approved referrals for the programs in Section 2, subject to written activation and eligibility rules for each program.

An application is not acceptance into the program. Participation begins only after Company’s written approval, Affiliate’s express acceptance of this agreement, and activation of the assigned referral link. An organization’s representative must have authority to bind it. Affiliate must be legally able to enter this agreement.

Section 02

Programs & commission schedule

Tier 1 — Direct referral: The approved partner whose referral generates an eligible customer purchase earns the Tier 1 commission shown above.

Tier 2 — Partner referral: When that selling partner joined the program under another approved partner, the introducing partner earns the Tier 2 commission on the same eligible customer purchase. Both Tier 1 and Tier 2 commissions may be paid on the same sale, to their respective partners. The partner relationship must be recorded by Company.

For example, if Partner A introduces Partner B to the program and Partner B refers an eligible QLE purchase, Partner B earns $500 and Partner A earns $50. No commission is earned solely for introducing or enrolling a partner; an eligible customer purchase is required.

An eligible sale is a genuine purchase attributed under the agreed tracking rules, paid with cleared funds, and not refunded, charged back, fraudulent, or otherwise reversed. Commission is based on qualifying customer purchases, not merely applications, clicks, webinar registrations, or recruitment.

Discounts, installments, program transfers, unlisted bundles, and upgrades require written eligibility and commission treatment before promotion. Listed bundles use their specified schedule; this agreement does not authorize stacking component commissions. Affiliate may not promise a price, bonus, refund, or commission arrangement Company has not approved.

Section 03

Attribution & referral links

Affiliate must use the unique tracking links Company supplies and preserve their tracking parameters. Do not substitute a generic link, manipulate another partner’s tracking, force tracking without a genuine referral, or use cookie stuffing, hidden redirects, or fabricated leads.

The activation schedule must identify the attribution window, competing-referral rule, treatment of existing contacts and cross-device purchases, and any permitted manual correction process. These rules must be supplied and accepted before Affiliate begins promotion. This agreement does not promise lifetime attribution or assign first-click or last-click credit.

Company will review its transaction and referral records together with relevant evidence when a tracking discrepancy is reported. Affiliate should report a discrepancy promptly to [email protected], identifying the transaction without sending unnecessary customer information. Tracking technology can fail; no browser cookie or dashboard estimate alone guarantees a payable commission.

Section 04

Monthly payments & adjustments

Eligible commission becomes payable in the first monthly payment cycle after the applicable refund window has closed, once funds have cleared and any payment dispute is resolved. QLE has a 30-day refund window. Live and other programs may have different refund or transfer terms; their commission eligibility date and any holding period must be confirmed in the activation schedule. This agreement does not create a new 30-day customer refund right for those programs. The monthly processing date, cutoff, payment method, threshold (if any), and responsibility for transfer fees must also be stated in that schedule.

Affiliate must provide accurate payment details and any reasonably required tax documentation through the approved secure process. Company will notify Affiliate if missing information prevents payment. Affiliate is responsible for its own taxes; Company may make legally required withholding and reporting.

Refunded or charged-back purchases do not qualify. If a previously paid sale is later reversed, Company may correct the corresponding commission through an itemized adjustment against future commissions or request repayment of that specific overpayment. Company will provide the basis for the adjustment and a way to raise an error. Unrelated, undisputed eligible commissions remain payable on the ordinary schedule.

Section 05

Outstanding balances

Eligible commissions are first credited against an outstanding balance Affiliate owes Company. If the commission exceeds the balance, Company pays the difference. If the balance exceeds the commission, the credited commission reduces that balance, and only the remaining debt stays outstanding.

Company will provide an itemized statement showing the commission, amount credited, remaining balance, and cash payment, if any. A commission used to reduce a debt must not also be withheld as though it remains unpaid.

Section 06

Truthful promotion & disclosures

Affiliate must describe the offer accurately and disclose the financial relationship clearly with each relevant endorsement. Place the disclosure where the audience will notice it before acting—not only in a profile, footer, or linked legal page.

For video endorsements, include a clear disclosure in the video; use spoken and visible disclosure where appropriate. Repeat it during live presentations so later arrivals can notice it. Affiliate remains responsible for making the disclosure understandable in context.

Do not invent personal experience, testimonials, credentials, scarcity, results, or scientific support. Do not promise income, guaranteed personal outcomes, or diagnosis, treatment, prevention, or cure of a health condition. QLE is educational personal-development content, not medical, mental-health, legal, or financial advice. Use only approved, supportable claims.

Section 07

Email, SMS & audience privacy

As a program policy, promote only to audiences you have permission to contact. No purchased, scraped, harvested, or unauthorized lists; no unsolicited mass messages. Permission for email is not permission for SMS or automated calls.

Commercial email must use accurate sender details and subject lines, identify its commercial nature as required, include a valid postal address, and provide a clear unsubscribe method. Honor opt-outs within applicable legal deadlines and never later than 10 business days for U.S. commercial email. Maintain functioning opt-out mechanisms for the legally required period.

SMS, automated calls, and similar channels require separate review of applicable consent, identification, timing, opt-out, and recordkeeping rules. Company’s swipe copy is not permission to contact anyone. Respect platform rules, privacy laws, and recipient preferences.

Collect only necessary data, secure it, and do not sell or repurpose Company customer information. Send suspected privacy or security incidents affecting the program promptly to Company. Company’s Privacy Policy explains its handling of personal information.

Section 08

Brand, materials & paid advertising

While approved, Affiliate receives a limited, non-exclusive, non-transferable, revocable permission to use Company-supplied promotional assets solely for the approved offer. Company and its licensors retain ownership. This permission does not authorize copying paid courses, teaching QLT, sublicensing materials, or presenting Affiliate as Company staff.

Do not impersonate Company, register confusingly similar domains or social handles, or alter claims in a way that makes them misleading. Paid advertising using Company trademarks, brand-keyword bidding, coupons, custom bonuses, or modified branded creative requires prior written approval. Affiliate pays its own promotional costs unless separately agreed in writing.

Do not use fabricated reviews or synthetic depictions of Mark, Michelle, customers, or staff without express authorization. Stop using outdated or withdrawn assets when notified.

Section 09

Customer experience & partner support

Company controls product delivery, pricing, enrollment, refunds, and customer support. Affiliate may not collect customer payments on Company’s behalf, change Company’s purchase terms, or bind Company to a promise. Refer product and billing questions to [email protected].

Partner bonuses and custom webinars require written approval. Any approved Affiliate-provided bonus must clearly identify who supplies it, its terms, and the support contact. Resource availability will be confirmed during onboarding; this agreement does not guarantee a particular campaign, traffic volume, conversion rate, or income.

Section 10

Independent relationship & confidentiality

Affiliate operates independently and is not an employee, agent, franchisee, or legal joint venturer of Company. “JV partner” is a marketing description, not authority to act for Company. Neither party may bind the other without express written authorization.

Protect nonpublic customer details, partner reports, access credentials, and confidential business materials received through the program. Use them only for authorized program purposes. This does not restrict information already lawfully public, independently developed, or legally required to be disclosed. Notify Company before compelled disclosure when legally permitted.

Section 11

Suspension & termination

Either party may end participation by written notice. Company may suspend promotion or access while investigating credible fraud, misleading claims, privacy violations, or other material breaches. Company should identify the issue and offer a reasonable opportunity to respond when appropriate; urgent protective action may be immediate.

After termination, stop promoting as an approved affiliate, remove Company branding from active promotions, and return or securely delete confidential materials except records legally required to be retained. Valid commissions on eligible sales completed before termination remain subject to the ordinary payment, refund, and adjustment rules; termination alone does not erase them.

The activation schedule must address purchases made after termination from earlier referrals. No post-termination attribution promise is made in this agreement.

Section 12

Responsibility, governing law & disputes

Each party remains responsible for its own conduct and applicable legal obligations. Nothing in this agreement excludes liability or rights that cannot lawfully be excluded. Affiliate income and customer outcomes are not guaranteed.

Governing Law. This agreement is governed by the laws of the State of Florida, without regard to its conflict-of-law principles, subject to applicable federal law and any mandatory legal protections that cannot be waived.

Good-Faith Resolution & Mediation. Raise disputes first through [email protected] so the parties can attempt a good-faith resolution. Any dispute arising from or relating to this agreement that is not resolved informally will first be submitted to good-faith mediation in the State of Florida. Preserve relevant records and continue paying undisputed sums when due.

Binding Arbitration. If mediation is unsuccessful, both parties agree to submit the dispute to binding arbitration administered by the American Arbitration Association in accordance with its applicable rules, except where arbitration is prohibited by applicable law. Fees and costs will be handled under those rules and applicable law. Judgment on the arbitration award may be entered in a court having jurisdiction.

Section 13

Changes, acceptance & contact

Company will provide material program changes in writing before they apply. Changes to rates or attribution must not retroactively reduce commission on already-eligible sales. Any separate signed offer schedule takes priority for its specifically identified offer; conflicting marketing copy does not change this agreement.

This agreement and activation schedule must be presented for express acceptance before participation begins. Merely viewing this page or submitting the partner application is not acceptance. Company should retain the accepted version, acceptance date, Affiliate identity, and approval record, and provide Affiliate a copy.

Questions: [email protected].