Effective Date: June 24, 2022

Novae Affiliate Agreement

1. Authorization and Contract

1.1 By entering into this Affiliate Agreement on behalf of yourself, or on behalf of a company or other legal entity (“you” or “your”), you represent and warrant that you have the authority to accept these terms and conditions on behalf of yourself or such entity. 

1.2 This Novae Affiliate Agreement (“Affiliate Agreement”) contains the complete terms and conditions that apply to you becoming an affiliate in Novae LLC’s Affiliate Program (the “Affiliate Program”). Please note that throughout this Agreement, “we”, “us”, “our”, or “Company”, refer to Novae, LLC.

1.3 By executing the Affiliate Agreement, you apply for legal authorization to become a Novae Affiliate, subject to the terms of this Affiliate Agreement, as it may be amended, or replaced in accordance with its terms . By agreeing to this Affiliate Agreement , you acknowledge that you have access, and agree, to Novae LLC’s Affiliate Program Policies and Procedures, as well as Novae LLC’s Compensation Plan document (collectively, the “Program Policies”), all of which are incorporated by reference into, and are a part of, this Affiliate Agreement. The Program Policies can be found at www.novaemoneytraining.com/documents.

2. Affiliate Acceptance

2.1 You must complete and submit an application to become a Novae Affiliate. Upon completion and submission of your application, we will review your application and notify you whether you have been accepted to participate in the Affiliate Program, or not.  Before we accept an application, we may want to review your application with you, so we may contact you for more information. We may require that you complete certain requirements or certification(s) before we accept your application. If we do not notify you that you are accepted to participate in the Affiliate Program within thirty (30) days from your application, your application will be deemed rejected.

2.2 If you are accepted to participate in the Affiliate Program, then upon notification of acceptance, the Company grants you a revocable and limited right to participate in the Affiliate Program, subject to the terms and conditions of this Affiliate Agreement.  In addition, you will need to complete any enrollment criteria set out in our Program Policies, if applicable. Failure to complete any enrollment criteria within thirty (30) days of your acceptance will result in the immediate termination of this Affiliate Agreement and you will no longer be able to participate in the Affiliate Program.

2.3 If we auto-approve your application, this does not imply that we may not re-evaluate your application at a later time. We may reject your application in our sole discretion.

2.4 You must comply with the terms and conditions of this Affiliate Agreement at all times, including any applicable Program Policies.

2.5 This Affiliate Agreement does not create an exclusive agreement between you and us. Subject to the terms of this Affiliate Agreement, both you and we will have the right to recommend similar products and services of third parties, and to work with other parties, in connection with the sale, implementation, and use of similar services and products of third parties.

3. Purpose

3.1 The Affiliate Program provides individuals with the opportunity to (a) sell Company products and/or services to end-users and (b) enroll additional Affiliates into the Affiliate Program through its Referral Plan (described more fully below).

3.2 Affiliates must adhere to the Program Policies and will not require or encourage current or prospective customers or Affiliates to (a) participate in the Affiliate Program in any manner that varies from the Program Policies, or (b) to make any purchase from, or payment to, any third party to participate in the Affiliate Program other than as set forth in the Program Policies.

4. Affiliate Website Obligations

4.1 As an active Affiliate, Novae provides a replicated website of Novae’s corporate website, NovaeMoney.com and may provide other websites that are created and maintained by Novae LLC. If you have a personal website, that you had independently created that is live and fully operational through which you will conduct other marketing and advertising campaigns in connection with your participation in the Affiliate Program (“Your Website”) you will need to comply with the requirements in this Section 4 with respect to Your Website, as well as social media presence in connection with the Affiliate Program:

4.2 Your Website must not:

  • Promote sexually explicit materials.
  • Promote violence.
  • Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
  • Promote illegal activities.
  • Incorporates any materials which infringe or assist others to infringe on any copyright, trademark or other intellectual property rights or to violate the law.
  • Include "Novae" or variations or misspellings thereof in its domain name.
  • Is otherwise in any way unlawful, harmful, threatening, defamatory, obscene, harassing, or racially, ethnically or otherwise objectionable to us in our sole discretion.
  • Contain software downloads that potentially enable diversions of commission from other affiliates in our Affiliate Program.
  • Create or design Your Website, or any other website that you operate, explicitly or implied, in a manner which resembles our website, nor design Your Website in a manner which leads customers to believe you are NovaeMoney.com or any other affiliated business of Novae.
  • Use, or attempt to register, any of the Company's name, trade names, trademarks, service names, service marks, product names, URLs, advertising phrases or taglines, or any derivative thereof, for any purpose including, but not limited to, Internet domain names (URL), third party Web sites, Web pages, or blogs.

4.3. We reserve the right, at any time, to review your placement, and approve the use of, any links on Your Website, your NovaeMoney.com replicated website, or any Novae LLC websites provided to you and require that you change the placement or use to comply with the Program Policies and other guidelines provided to you.

4.3. You will be solely responsible for the development, operation, maintenance, and updating of Your Website and social media presence.

4.4 We may monitor Your Website as we feel necessary to ensure that it is up-to-date and to notify you of any changes that we feel would enhance your performance as a Novae Affiliate.

4.5. It is entirely your responsibility to follow all applicable intellectual property and other laws that pertain to Your Website. You must have express permission to use any copyrighted material, whether it be a writing, an image, or any other copyrightable work. We will not be responsible (and you will be solely responsible) if you use another person's copyrighted material or other intellectual property in violation of the law or any third party rights.

5. Modification of Terms

Because federal, state, and local laws, as well as the business environment, periodically change, Novae reserves the right to amend, or replace, the Agreement, including the Referral Plan, in its sole and absolute discretion. Amendments to, or replacement of, this Affiliate Agreement will be effective thirty (30) days following one of the following communication methods:

Posting on the Company’s Website at NovaeMoney.com;

Via electronic mail (e-mail); or in writing through other Company communication channels.

6. Electronic Communications

6.1 We can only give You the benefits of the Affiliate Program by conducting business through the Internet. Therefore, we need Your consent for us to communicate with You electronically.

6.2 This Section 6 informs you of your rights when receiving electronic communications from us.  For contractual purposes, you (i) consent to receive communications from us in an electronic form; and (ii) agree that all terms and conditions, agreements, notices, documents, disclosures, and other communications including, without limitation account terms and conditions, account statements, notices of change in account terms, notices of fee changes, responses to any questions you may have, and privacy and security notices (collectively, “Communications”) that we provide to you electronically satisfy any legal requirement that such Communications would satisfy if it were in writing. 

6.3 Your consent to receive Communications and do business electronically, and our agreement to do so, apply to all of your interactions and transactions with us. You must keep us informed of any changes in your email or mailing address so that You continue to receive all Communications without interruption. Because the Communications contain important information required by law to be provided to you, you should retain a copy of each for your records.

7. Term and Termination

7.1 The term of this Agreement begins on our acceptance of your application to become a Novae Affiliate, and will end when terminated by either the Company or you upon thirty (30) days’ written notice. If you (a) materially breach this Agreement, (b) become insolvent, file a petition for bankruptcy or commence, or have commenced against you, proceedings relating to bankruptcy, receivership, reorganization or assignment for the benefit of creditors; or (c) cease to maintain an ongoing business, or change management or ownership (if a corporation or partnership) we may terminate this Agreement immediately upon written notice to you.

7.2 Upon termination of this Affiliate Agreement, you forfeit all rights to any commissions, referrals, or other remuneration in connection with your sales under this Affiliate Agreement and the Affiliate Program. We reserve the right to terminate all Affiliate Agreements upon thirty days’ notice if the Company elects to: (1) cease business operations; (2) dissolve as a business entity; or (3) terminate distribution of its products via Affiliate channels. No termination of this Affiliate Agreement will relieve either party of any liability accruing under this Agreement prior to such termination.

8. Independent Contractor Status

8.1 You acknowledge and agree that (a) you are an independent contractor, and not a purchaser of a franchise or business opportunity, and (b) your success as a Novae Affiliate depends on your independent efforts. This Affiliate Agreement does not create an employer/employee relationship, agency, partnership, or joint venture between the Company and you. You are responsible for paying local, state, and federal taxes due from all compensation earned as an Affiliate of the Company. You have no express or implied authority to bind the Company to any obligation, or to make any commitments by or on behalf of the Company.

8.2 As a self-employed independent contractor, you will be operating your own independent business selling products and services available through the Company for your own account. You may determine the number of hours you will devote to your business, and you have the sole discretion of scheduling such hours. If you earn over $600 in a calendar year, you will receive IRS Form 1099-MISC reflecting the amount of income paid to you during the calendar year. It will be your sole responsibility to account for such income on your individual income tax returns.

8.3 The Company is not (a) an agent or affiliate of any bank or lender, or (b) responsible for any acts or omissions of, or disclosures that may be required of, any bank or lender.

9. Confidential Information

9.1 You agree that, during the performance of this Affiliate Agreement, you will have access to certain confidential and proprietary information owned or licensed by Company, as well as information that Company is required by third parties to maintain as confidential, including, without limitation, the names and contact information of lenders, banks, agents, brokers, lending corporations, individuals and/or trusts, or buyers and sellers. (collectively, the “Confidential Information”). You understand and agree that the Confidential Information derives independent economic value to the Company by not being generally known to others, and by being subject to reasonable efforts by the Company to maintain its secrecy.

9.2 For purposes of this Affiliate Agreement, “Confidential Information” includes, without limitation, all written or oral information disclosed by the Company, which is identified as confidential at the time of disclosure, or that should be reasonably understood by you to be confidential by the nature of the information, or the circumstances of its disclosure. 

9.3.  You agree that the Company would be irreparably injured by a breach or threatened breach of this Section 9 by you and that the Company would not have an adequate remedy at law. Therefore, in the event of a breach or threatened breach by you of this Section 9, the Company will be entitled, in addition to any and all other remedies, to seek injunctive relief and specific performance.  You further agree not to resist such application for relief on the basis that the Company has an adequate remedy at law, and agree to waive any requirement for the securing or posting of any bond in connection with such remedy.

10. Commissions and Referral Fees

10.1 Subject to the terms and conditions of this Agreement, and the Program Policies, as a Novae Affiliate, the Company will pay you a commission based on a percentage of qualified sales of eligible Novae products and/or services, as such qualified sales and eligible products and/or services are defined in the Compensation Plan Document (the “Commission”). Commissions will be as calculated in the Compensation Plan Document.

10.2 Subject to the terms of this Agreement, and the Compensation Plan Document, the Company will pay you a fee for introducing the Company to prospective Novae Affiliates and Customers that make a qualifying purchase. (each a “Referral Fee”).

10.3 You will receive Commissions weekly, on each Thursday by 5pm PST, for qualified sales of eligible Novae, LLC products and/or services completed the prior week. The pay period sales window for such products and/or services is 12:00am PST Saturday through 11:59pm PST Friday. The minimum Commission payment will be $25. If you earned less than $25 in Commissions, payment of your Commissions will be deferred into the following weeks until your accumulated Commissions equal or exceed $25. The Company will pay you your Commission payments by paper checks and send them to your address on file. If you wish to be paid via Electronic Funds Transfer, please follow the instructions on our website, in your Member’s Lounge or email communication, to be paid through direct deposit. To be paid via Novae Online Banking account, select the dropdown during withdrawal and select "Novae Pay" then enter your account information.

10.4 On a weekly basis, the Company provides an online statement itemizing the Commissions and Referral Fees you earned for the previous week (each, a “Statement”). You must review your Statements and report any discrepancies within thirty (30) days of your receipt. At the conclusion of this 30 day period, the Company will not consider any requests for Commission or Referral Fee recalculation and the will not be responsible for any errors, omissions, or problems not reported to the Company within 30 days. For additional information on Commission and Referral Fee payments, please review the Compensation Plan Document.

11. Novae Products and Services

You agree that you will not, at any time, make any representations or claims about any the Company’s products or services beyond those shown in sales and marketing materials produced, or authorized in writing, by the Company.

12. Income Disclosure Policy

The Company has developed an income disclaimer. This income disclaimer is designed to convey truthful, timely, and comprehensive information regarding the income that you and other Novae Affiliates can earn. To that end, a copy of this income disclaimer must be presented to all prospective Novae Affiliates. Copies of the income disclaimer may be printed or downloaded from our website at www.novaemoney.com/income-disclaimer.

13. Bonus Buying Prohibited

“Bonus Buying” is strictly and absolutely prohibited. Bonus Buying includes: (a) the enrollment of individuals or entities without their knowledge, and/or their execution of an Affiliate Agreement; (b) the fraudulent enrollment of an individual or entity as an Affiliate or Customer; (c) the enrollment, or attempted enrollment, of non-existent individuals or entities as Affiliates or customers (phantoms); (d) purchasing Novae products or services on behalf of another Affiliate or customer, or under another Affiliate's or customer's ID number, to qualify for Commissions, Referral Fees,or bonuses; (e) purchasing excessive amounts of products or services that cannot reasonably be used or resold within thirty (30) days; and/or (f) any other mechanism or artifice intended to qualify for rank advancement, incentives, prizes, Commissions, Referral Fees, or bonuses that is not driven by bonafide product or service purchases by end user consumers.

14. Returned Product

The initial fee paid by a Novae Affiliate comes with a ten (10) day satisfaction guarantee. However, subsequent payments for Novae products and services may only be refunded within three (3) days from the initial purchase date. Because the digital nature of the products and services and the immediacy of the benefits make a refund commercially impractical, all subsequent fees are non-refundable after the conclusion of this three-day period.

15. Use of Sales Aids

While promoting the Company, or the Company’s Products and/or Services, you must use the advertising and marketing content, sales aids, and support materials produced or provided by the Company, including without limitation, banners, links, ad copies, Internet advertising, pictures and logos (collectively, “Sales Aids”). If you develop your own Sales Aids, they must be submitted to the Company for written approval prior to their use. Unless you receive express written approval to use the Sales Aids you develop, your request for permission to use such Sales Aids will be deemed denied, and your use of such Sales Aids without such permission will be deemed a breach of this Affiliate Agreement. You agree to safeguard and promote the good reputation of the Company ,its products and services at all times.

16. Non-Competition

During the term of this Affiliate Agreement, and for a period of six (6) months thereafter, you must not sell, or entice others to sell, any products or services that compete with the Novae Products or Services. Any product or service in the same generic category as a Novae product or service will be deemed to be competing, regardless of differences in cost.

17. Non-Solicitation

You agree that while you are an Affiliate, and for one (1) calendar year following termination of this Agreement, you will not (a) encourage, solicit, or otherwise attempt to recruit or persuade, any other Novae Affiliate to compete with Novae, or (b) recruit or solicit any of the individual customers or companies listed in the Novae customer database for a competing enterprise, unless you can prove that you had a bonafide existing relationship prior to this Agreement.

18. Constructive Criticism

The Company desires to provide its Affiliates with the best services and fee schedule possible. Accordingly, Novae values constructive criticism and encourages the submission of written comments addressed to Novae leadership. However, negative and disparaging comments about the Company, intended solely to damage Novae’s business represent a material breach of these Program Policies and may be subject to sanctions as deemed appropriate by the Company.

19. Intellectual Property

19.1 You acknowledge and agree that proprietary and confidential information compiled or maintained by the Company, including, without limitation, its database of prospective and existing customers, is unique to the Company, and provides it with a competitive advantage. As such, this information constitutes trade secrets of the Company. During the term, and subject to the terms, of this Affiliate Agreement, the Company grants you a personal, non-exclusive, non-transferable and revocable right to use these trade secrets solely for purposes of promoting your business in accordance with this Affiliate Agreement.

19.2 You acknowledge and agree that all right, title, and interest in the Company’s intellectual property, including, without limitation, its trade secrets, documentation, data, know-how, methodologies, software, trademarks, tradenames, patents, copyrights, and other materials, are owned exclusively by the Company and its licensors (collectively, the “Intellectual Property Rights”). Except as otherwise provided in this Affiliate Agreement, no license to the Intellectual Property Rights is granted by this Affiliate Agreement, and you acknowledge and agree that Company, and its licensors, retain ownership of all Intellectual Property Rights. You will not copy, rent, lease, sell, distribute, or create derivative works based on, the Intellectual Property Rights, in whole or part.

19.3 You agree to use the Company’s trademarks and copyrights in the form and manner, and with appropriate legends, as permitted by the Company. All promotional materials supplied, or created, by the Company must be used in their original form and cannot be changed, amended, or altered without the prior written approval of the Company.

19.4 You grant the Company a nonexclusive, nontransferable, royalty-free right to use and display your trademarks, service marks, and logos (“Affiliate Marks”) in connection with the Affiliate Program and this Affiliate Agreement.

20. Affiliate Representations and Warranties

20.1 You represent and warrant that: (i) you have all necessary and sufficient rights and permissions to participate in the Affiliate Program, (ii) your participation in the Affiliate Program will not conflict with any of your existing agreements or arrangements; and (iii) you own or have sufficient rights to use and to grant to us our right to use, the Affiliate Marks.

20.2 You further represent and warrant that: (i) you will ensure that you comply with any trade or regulatory requirements that may apply to your participation in the Affiliate Program (for example, by clearly stating you are a Novae Affiliate on any of your Website(s)); (ii) you will not purchase ads that direct users to your Website(s), or through a link, that could be considered as competing with the Company’s own advertising, and (iii) the services offered and provided by the Company do not constitute any professional advice to which license or certification is required. Accordingly, we recommend that Affiliates seek independent professional assistance and advice regarding this Affiliate Agreement and any collateral agreements, including having such agreements reviewed by appropriate professionals, including attorneys.

21. Jurisdiction and Governing Law

This Affiliate Agreement will be governed by the laws of the State of Georgia applicable to contracts executed and performed entirely in that state. You agree that that any litigation, action or proceeding relating to this Agreement not required to be arbitrated pursuant to Section 22 of this Affiliate Agreement, must be instituted in any state or federal court in Georgia, and (ii) you waive any objection which you might have with respect to jurisdiction, venue, or forum. Nothing in this Section 21 will affect the Company’s right to serve process in any other manner permitted by law or to proceed against you in any other court in which you are subject to suit.

22. Dispute Resolution

All disputes and claims relating to Novae, its products and services, the rights and obligations of an Affiliate and the Company, or any other claims or causes of action relating to the performance of either an Affiliate or Novae under this Affiliate Agreement shall be settled totally and finally by arbitration in Georgia or such other location as we prescribe, in accordance with the Federal Arbitration Act and the Commercial Arbitration Rules of the American Arbitration Association, except that all parties shall be entitled to discovery rights allowed under the Federal Rules of Civil Procedure. The law governing this arbitration will be Georgia law. This agreement to arbitrate shall survive any termination or expiration of the Agreement. Nothing in the Agreement shall prevent Novae from applying to and obtaining from any court having jurisdiction a writ of attachment, garnishment, temporary injunction, preliminary injunction, permanent injunction or other equitable relief available to safeguard and protect its interest prior to, during or following the filing of any arbitration or other proceeding or pending the rendition of a decision or award in connection with any arbitration or other proceeding.

23. Indemnification

You agree to indemnify, defend, and hold harmless, the Company, its subsidiaries, affiliates, and their respective officers, directors, trustees, employees and representatives (each an “Indemnified Party”), from and against any and all losses, damages, and liability awarded by a court, or agreed upon in settlement, as well as all reasonable and related attorneys’ fees and court costs, arising out of (i) any of your acts or omissions, (ii) your breach of this Affiliate Agreement, or (iii) any representations and/or warranties you make regarding the Company’s products and/or services not expressly contained in the Program Policies.

24. Affiliate Fraud & Chargeback Policy

24.1 In order to assist the Company in protecting it from spurious fraud claims, it is recommended that you have your customers complete a Novae Money paper application, sign the front, and initial the back. This is in addition to enrolling them online through your Affiliate Website. If the customer enrolls on your Affiliate Website, have them complete the application but only place the last 4 numbers of their credit card and CVV code on the application, in addition to ALL the other information. Keep the application for your records for use with a customer who is not being truthful about their fraud claims, should it be necessary . If we are contacted by a bank or credit card company about potential fraud claims by a customer, we can supply this paper application to prove otherwise.

24.2 If we are contacted by a bank or credit card company about one of your customers claiming fraud, and they have charged back their payment, your Affiliate account will be:

a. accessed a $50 fee per chargeback debited from your Personal Account.

b. debited the original Commission and Sales Volume you received for the customer.

24.3 If you supply us with the signed paper application for the customer claiming fraud, we will reverse this chargeback fee and reverse the Commission debit . If a customer does a chargeback for whatever reason, and wants to reactivate their service with us, they will be required to sign credit card authorization forms and the application. In addition, they will have to pay a $25 reactivation fee.

25. Disclaimer of Warranties

WE, AND OUR AFFILIATED COMPANIES AND AGENTS, MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, SECURITY OR ACCURACY OF THE NOVAE PRODUCTS AND SERVICES, COMPANY CONTENT, OR THE AFFILIATE PROGRAM FOR ANY PURPOSE. THE NOVAE PRODUCTS AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. WE DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND WITH REGARD TO THE NOVAE PRODUCTS AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

26. Damages; Disclaimer and Limitation of Liability

26.1 TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY BE LIABLE TO YOU FOR ANY INCIDENTAL, INDIRECT, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR OTHER INDIRECT DAMAGES, REGARDLESS OF THE NATURE OF THE CLAIM, INCLUDING, WITHOUT LIMITATION, LOST PROFITS, COSTS OF DELAY, ANY FAILURE OF DELIVERY, BUSINESS INTERRUPTION, COSTS OF LOST OR DAMAGED DATA OR DOCUMENTATION, OR LIABILITIES TO THIRD PARTIES ARISING FROM ANY SOURCE, EVEN IF YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

26.2 THE CUMULATIVE LIABILITY OF THE COMPANY TO YOU FOR ALL CLAIMS, INCLUDING NEGLIGENCE, ARISING FROM OR RELATING TO THIS AFFILIATE AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY CAUSE OF ACTION SOUNDING IN CONTRACT, TORT, OR STRICT LIABILITY, WILL NOT EXCEED THE LESSER OF $1,000.00 OR THE TOTAL AMOUNT OF ALL ACTUAL COMMISSIONS PAID TO YOU UNDER THIS AFFILIATE AGREEMENT DURING THE TWELVE (12)-MONTH PERIOD PRIOR TO THE ACT, OMISSION, OR OCCURRENCE GIVING RISE TO SUCH LIABILITY.  THE LIMITATIONS OF LIABILITY IN THIS SECTION 26 ARE INTENDED TO APPLY WITHOUT REGARD TO WHETHER OTHER PROVISIONS OF THIS AFFILIATE AGREEMENT HAVE BEEN BREACHED OR HAVE PROVEN INEFFECTIVE.

26.3 The Company will not be liable for any damages, losses, costs, claims or expenses with respect to any legal or compliance violation arising out of or related to your, your related parties’, or any other Affiliates’ use, of the Novae Products or Services.

26.4 The limitations of liability in this Section 26 are intended to apply without regard to whether other provisions of these terms and conditions have been breached or proven ineffective. The disclaimers, exclusions, and limitations of liability in this Affiliate Agreement form an essential basis of the bargain between the parties and, absent any such disclaimers, exclusions, or limitations of liability, the provisions of this Affiliate Agreement, including, without limitation, the economic terms, would be substantially different. The limitations of liability in this Affiliate Agreement will in no way be affected by the legal theory or form under which any action is brought.  Further, these limitations are independent from all other provisions of this Affiliate Agreement and will apply notwithstanding the failure of any remedy provided under this Affiliate Agreement.

27. Miscellaneous

27.1 Amendment; No Waiver. We may update and change any part or all of this Affiliate Agreement, including by replacing it in its entirety. If we update or change this Affiliate Agreement, the updated Affiliate Agreement will be made available to you via email or in your Novae Affiliate Member’s Lounge that’s located on NovaeMoney.com. The updated Affiliate Agreement will become effective and binding on the next business day after we have notified you. When we change this Affiliate Agreement, the "Last Modified" date above will be updated to reflect the date of the most recent version at NovaeMoney.com. We encourage you to review this Affiliate Agreement periodically.  If you don’t agree to the update, change or replacement, you can choose to terminate as we describe above. No delay in exercising any right or remedy or failure to object will be a waiver of such right or remedy or any other right or remedy. A waiver on one occasion will not be a waiver of any right or remedy on any future occasion.

27.2 Force Majeure. Neither party will be responsible for failure or delay of performance if caused by an act of war, hostility, or sabotage; act of God; electrical, internet, or telecommunication outage that is not caused by the obligated party; government restrictions; pandemic or epidemic, or other event outside the reasonable control of the obligated party. Each party will use reasonable efforts to mitigate the effect of a force majeure event.

Relationship of the Parties. Both you and we agree that no joint venture, partnership, employment, or agency relationship exists between you and us as a result of this Affiliate Agreement.

27.3 Compliance with Applicable Laws.  You will comply, and will ensure that any third parties performing activities on your behalf comply, with all applicable foreign and domestic laws (including without limitation export laws and laws applicable to sending of unsolicited email), governmental regulations, ordinances, and judicial administrative orders. You will not engage in any deceptive, misleading, illegal or unethical marketing activities, or activities that otherwise may be detrimental to us, our customers, other Affiliates, or to the public. Export laws and regulations of the United States and any other relevant local export laws and regulations may apply to the Novae Products or Services. You will comply with the sanctions programs administered by the Office of Foreign Assets Control (OFAC) of the US Department of the Treasury.  You will not directly or indirectly export, re-export, or transfer the Novae Products or Services to prohibited countries or individuals or permit use of the Novae Products or Services by prohibited countries or individuals.

27.4 Severability. If any part of this Affiliate Agreement is determined to be invalid or unenforceable by applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of this Affiliate Agreement will continue in effect.

27.5 Notices. Notice will be sent to the contact address set forth herein (as such may be changed by notice given to the other party), and will be deemed delivered as of the date of actual receipt.

To NovaeMoney.com:
1506 Klondike Rd SW Ste 403
Conyers, GA 30094

To you: your address as provided in our Affiliate account information for you.

We may give electronic notices specific to you by email to your e-mail address(es) on record in our account information for you. We may give notice to you by telephone calls to the telephone numbers on record in our account information for you.

27.6 Entire Agreement. This Affiliate Agreement is the entire agreement between us for the Affiliate Program and supersedes all other proposals and agreements, whether electronic, oral or written, between us concerning the Affiliate Program. We object to and reject any additional or different terms proposed by you, including those contained in your purchase order, acceptance or Website. Our obligations are not contingent on the delivery of any future functionality or features of the Novae Products or Services, or dependent on any oral or written public comments made by us regarding future functionality or features of the Novae Products or Services.

27.7 Assignment. You will not assign or transfer this Affiliate Agreement, including any assignment or transfer by reason of merger, reorganization, sale of all or substantially all of its assets, change of control or operation of law, without our prior written consent. We may assign this Affiliate Agreement to any affiliate or in the event of merger, reorganization, sale of all or substantially all of our assets, change of control or operation of law.

27.8 No Third Party Beneficiaries.  Nothing in this Affiliate Agreement, express or implied, is intended to or shall confer upon any person or entity (other than the parties hereto) any right, benefit or remedy of any nature whatsoever under or by reason of this Affiliate Agreement.

27.9 Program Policies. We may change the Program Policies from time to time. Your participation in the Affiliate Program is subject to the Program Policies, which are incorporated herein by reference

27.10 No Licenses. We grant to you only the rights and licenses expressly stated in this Affiliate Agreement, and you receive no other rights or licenses with respect to us, the Novae Products or Services, our trademarks, or any other property or right of ours.

27.11 Sales by Novae, LLC. This Affiliate Agreement will in no way limit our right to sell the Novae Products or Services, directly or indirectly, to any current or prospective customers.

27.12 Authority. Each party represents and warrants to the other that it has full power and authority to enter into this Affiliate Agreement and that it is binding upon such party and enforceable in accordance with its terms.

27.13 Counterparts. This Affiliate Agreement may be executed in counterparts, each of which will be deemed an original, but all of which together will be deemed to be one and the same agreement. A signed copy of this Affiliate Agreement delivered by e-mail, or other means of electronic transmission, is deemed to have the same legal effect as delivery of an original signed copy of this Affiliate Agreement.

27.14 Survival. The provisions of this Affiliate Agreement which expressly, or by their terms, survive or ought to survive expiration of termination of this Affiliate Agreement will survive.

Enrollment in NovaeMoney.com services

Novae Money Basic

If you are purchasing Novae Money Basic, you will receive the following:

  1. Financial Education Wealth Guide 
  2. Debt Elimination Software 
  3. Online Budgeting Tool 
  4. Credit Building Resources 
  5. Live Customer Service 
  6. 3 Major Bureau / 3 Score Monthly Credit Report 
  7. Daily Credit Monitoring 
  8. Text and Email Credit Monitoring Alerts 
  9. Credit Score Tracker 
  10. Credit Score Builder Planner 
  11. Credit Score Master Simulator 
  12. Identity Theft Protection 
  13. $1 Million in Fraud Insurance 
  14. Complimentary Credit Education and Restoration, which includes document services that will assist in challenging any derogatory, erroneous, or obsolete items that appear on your credit report.
    Novae does not make ANY guarantees regarding credit score results you may receive from these services. You understand this service is optional and is a part of the educational and assistance process of building a healthy credit profile.
    You understand that you are not paying Novae to repair your credit, nor are you paying Novae to increase your credit score. This is merely a complimentary service that comes with the membership package offered by Novae.

If you are purchasing Novae Money Basic, you agree to be charged a one-time $209 setup fee + a $59 per month fee.

In order to purchase these services, you must also authorize us to collect, use, and share necessary information about your identity, credit history, etc. This consent is voluntary, but we cannot offer you 100% of the services listed above without this authorization. You will be able to utilize services and software that do not require authentication of your credit profile.

After successful completion of your purchase, you will receive an email with instructions for accessing your new services. Congratulations!

You will have a 10-day refund period after each charge. That means that if you don’t want to be enrolled anymore, you can request a refund within 10 days of your charge.

If you cancel your services or if we are unable to bill you successfully each month, you will lose access to these services. We will notify you via email if our attempt to bill you is unsuccessful.

Novae Money Premium

If you are purchasing Novae Money Premium, you will receive the following:

  1. Financial Education Wealth Guide 
  2. Debt Elimination Software 
  3. Online Budgeting Tool 
  4. Credit Building Resources 
  5. Access to Primary User Tradelines 
  6. Access to Credit Attorneys 
    1. Credit Bureau Case/letter review at no extra charge
    2. Free consultation discussing your matter
    3. Attorney representation at $0 retainer
    4. Consistent updates on the case progress
    5. Payment up to $500 per collection account
    6. Payment up to THOUSANDS more if additional damages can be claimed and proven
  7. Live Customer Service and 
  8. Complimentary Free Credit Education and Restoration, which includes document services that will assist in challenging any derogatory, erroneous, or obsolete items that appear on your credit report.
    Novae does not make ANY guarantees regarding credit score results you may receive from these services. You understand this service is optional and is a part of the educational and assistance process of building a healthy credit profile.
    You understand that you are not paying Novae to repair your credit, nor are you paying Novae to increase your credit score. This is merely a complimentary service that comes with the membership package offered by Novae. 
  9. Personal Account Manager 
  10. 3 Major Bureau / 3 Score Monthly Credit Report 
  11. Daily Credit Monitoring 
  12. Text and Email Credit Monitoring Alerts 
  13. Credit Score Tracker 
  14. Credit Score Builder Planner 
  15. Credit Score Master Simulator 
  16. Identity Theft Protection 
  17. $1 Million in Fraud Insurance 
  18. Access to Debt Collection Attorneys 
    1. Debt Collection Case/letter review at no extra charge
    2. Free consultation discussing your matter
    3. Attorney representation at $0 retainer
    4. Consistent updates on the case progress
    5. Payment up to $500 per collection account
    6. Payment up to THOUSANDS more if additional damages can be claimed and proven
  19. Up to 3 Non-Credit Dispute Letters sent monthly

If you are purchasing NovaeMoney Premium, you agree to be charged a one-time $239 setup fee + a $89 per month fee.

In order to purchase these services, you must also authorize us to collect, use, and share necessary information about your identity, credit history, etc.. This consent is voluntary, but we cannot offer you 100% of the services listed above without this authorization. You will be able to utilize services and software that do not require authentication of your credit profile.

After successful completion of your purchase, you will receive an email with instructions for accessing your new services. Congratulations!

You will have a 10-day refund period after each charge. That means that if you don’t want to be enrolled anymore, you can request a refund within 10 days of your charge.

If you cancel your services or if we are unable to bill you successfully each month, you will lose access to these services. We will notify you via email if our attempt to bill you is unsuccessful.

Entrepreneur Success Kit

If you are purchasing the Entrepreneur Success Kit, you will receive:

  1. Novae Financial Wellness Program. You'll receive 12 weeks of lessons on financial wellness, designed to both educate and help you create long-term duplicable systems for 12 major areas of your financial life. There are four primary goals for this program: 

    1. Knowledge - Education, techniques, and systems.
    2. Execution - Take action and maintain consistent follow-through.
    3. Mastery - Competency and proficiency with the knowledge you've acquired.
    4. Freedom - Financial independence and the ability to maintain it.
  2. Hurdlr - Expense & Mileage Software. This includes: 

    1. Automatic Mileage Tracking - Track all your driving expenses using your smartphone's GPS. 
    2. Automatic Expense Tracking - Taxbot reads your photo and email receipts and matches them to the correct bank or credit card charge. 
    3. Auditsafe Reporting - focused on IRS (and CRA) compliance. 
    4. Peace of Mind in 12 minutes - spend 12 minutes per month approving expenses and mileage. 
  3. Novae Library (getAbstract) Business Knowledge Platform. Stay EDUCATED by gaining access to over 20,000+ nonfiction books that are summarized into 10-minute reads or audio files! Improve your business skills! 

    1. Expand your worldview for personal growth and self-improvement. 
    2. Improve your business skills - learn about leadership, marketing, sales and more. 
    3. Save time - Your curiosity may be infinite, but your time isn't. 
  4. Bi-Weekly Inspirational Audios. Stay MOTIVATED with Novae's inspirational MP3 downloads that will be emailed to you bi-weekly for one year or monthly if you choose the monthly payment option, to help you develop a successful skill set and mindset! Example titles include: 

    1. Overcoming Adversity with the Power of Belief (1:09:28) 
    2. How to Increase Your Mental Toughness (38:55) 
    3. 7 Ways To Transform In Your Life (40:47)

You agree to pay a one-time payment of $499, or a one-time $99 setup fee + $49 per month.

You also authorize Novae to access any information they may need to supply these services, such as mileage and receipt information required by Hurdlr to accurately calculate your tax deductions.

Novae will never rent, sell, or give this information to any third parties. We only use it to allow us to do the job you hired us to do.

You will have a 10-day refund period after each charge. That means that if you don’t want to be enrolled anymore, you can request a refund within 10 days of your charge.

Business Credit Finance Suite

If you are purchasing the Business Credit & Funding Program, you will receive education and assistance with the following:

  1. Gaining Business Listing Congruency and establishing compliance items needed to start qualifying for business credit in your business name. 
  2. Setting up accounts with the BUSINESS credit reporting agencies properly and for free to ensure you begin to build business credit history. 
  3. Establishing "Starter" Business Credit Accounts. Over 90% of companies that offer "vendor credit" do not report your payment history to the business credit reporting agencies. We provide you with those that do. 
  4. Monitoring and analyzing your business credit reports to see when it's necessary to add more tradelines or go to the next tier of business credit. 
  5. Setting up accounts in the second of four business credit tiers that are larger and move beyond net terms in some cases. 
  6. Setting up accounts in the third of four business credit tiers including but not limited to fleet credit and much more. 
  7. Establishing business credit accounts through large banks, credit card companies, and alternative lenders, all in your business name with potential funding ranges into the millions of dollars depending on what you qualify for. 
  8. Novae Money Basic for one year. 
  9. Business Credit Building Services and Assistance for one year. 
  10. $50,000 funding guarantee. This means we will continue to work with you on what you need to become fundable until you gain $50,000 in collective credit accounts/loans.

You agree to pay Novae a one-time fee of $2,495 for access to all of these services, or $897 per month for 3 months, or $500 per month for 6 months. If you choose a payment plan option, you will not gain access to the BCFS portal to start building business credit until your second payment on the 3 month plan or the third payment on 6 month plan.

In order to purchase these services, you must also authorize us to collect, use, and share necessary information about your identity, credit history, etc.. This consent is voluntary, but we cannot offer you the services listed above without this authorization.

You will have a 10-day refund period after each charge; however, because of the sensitivity of information contained in the Business Credit Finance Suite portal, you will only have 3 days to request a refund after access is gained That means that if you don't want to be enrolled anymore, you can request a refund within 10 days of your charge or within 3 days of gaining access to the portal.

Business Funding

Novae is not a lending institution and does not create loans or finance lines of credit. Novae, however, is a broker of loans and credit lines. This means that we create opportunities for individuals and businesses to find loans and lines of credit that suit their goals.

Novae will never access a client's credit file by placing a hard inquiry on their credit file. However, after a lender has decided to approve you for credit or a loan, this may result in a hard inquiry. There are various fees associated with different types of lending products. Our options include:

  1. STARTUP Unsecured Business Funding
  2. STARTUP Small Business Loan
  3. Business Cash Advance
  4. Business Term Loans
  5. Business Line of Credit
  6. Invoice Factoring
  7. Real Estate Investment/Commercial Mortgage Loans

Novae provides a list of minimum requirements for someone to qualify for credit and funding on their website. Sometimes, even though these minimums are met, some lenders may decide to not extend credit and loans to the applicant. This is out of Novae's control.

There is no application fee to apply for Novae's Business Funding programs. You may start and complete the funding application from the home page.

Financial Wellness Program

You'll receive 12 weeks of lessons on financial wellness, designed to both educate and help you create long-term duplicable systems for 12 major areas of your financial life. There are four primary goals for this program:

  1. Knowledge - Education, techniques, and systems.
  2. Execution - Take action and maintain consistent follow-through.
  3. Mastery - Competency and proficiency with the knowledge you've acquired.
  4. Freedom - Financial independence and the ability to maintain it.

You agree to pay NovaeMoney $79 to receive this program. You will have a 10-day refund period after purchase. That means that if you don’t want to be enrolled anymore, you can request a refund within 10 days of your charge.

Novae H. O. M. E. Ownership Program

If you are purchasing the H.O.M.E. Ownership Program today, you will receive access to education, information, and mentorship about the following:

  1. The Complete Home Buyer "Plan of Action" Guide
  2. Qualifying for MORE House with LESS Money
  3. How to Get Qualified even with a 580 Credit Score
  4. How to Qualify for 6 Grants for Home Buyers
  5. Proven Steps for Choosing the Right Home for You
  6. 10 Things a Real Estate Agent Should do for Home Buyers
  7. How to Choose the Right Real Estate Agent
  8. First Time Home Buyer Education Guide
  9. Online Budgeting Tool
  10. Debt Elimination Software
  11. Wealth Building Guide
  12. Credit Restoration and Credit Education

For access to these products, you agree to pay Novae either the one-time payment of $699, or a one-time setup fee of $299 with monthly payments of $49 thereafter.

You will have a 10-day refund period after each charge. That means that if you don't want to be enrolled anymore, you can request a refund within 10 days of your charge.

myNovaeCredit Monitoring

If you are purchasing myNovaeCredit Monitoring, you will receive access to:

  1. ScoreTracker
  2. ScoreBuilder™
  3. ScoreMaster®
  4. Money Manager
  5. myNovaeCredit Report®
  6. $1 Million in Fraud Insurance
  7. 3 Bureau Credit Reports
  8. Text and Email Alerts
  9. Daily Credit Monitoring

You agree to pay Novae $29.00 for access to these services.

In order to purchase these services, you must also authorize us to collect, use, and share necessary information about your identity, credit history, etc.. This consent is voluntary, but we cannot offer you the services listed above without this authorization.

You will have a 10-day refund period after each charge. That means that if you don’t want to be enrolled anymore, you can request a refund within 10 days of your charge.

Novae Personal Finance

If you are purchasing the Novae Personal Finance package, you will receive the following lessons and tools:

  1. Inventory of Your Life - Balance Sheets/Assets and Liabilities/Easy-to-Use Worksheet and More As with any journey, you must know the starting point as well as the desired destination.
  2. Setting a Budget - Expenses/Income/Tracking Spending/Family Budget Worksheet and More Through forecasting (budgeting) you'll learn efficient spending habits and track monthly earnings and spending to ensure success in wealth building.
  3. Taxes - Tax Savings/Legitimate Write-Offs/Business and Family Tax Planning and More Your tax deductions and appropriate use of business structure will help retain thousands of dollars in your pocket.
  4. Getting Out of Debt - Apply a 5-Step Process to Get Out of Debt and More Learn how to get out of consumer debt in half the time. Plus, learn how to leverage certain types of debt.
  5. Kids - Allowances and Responsible Spending and Saving/College/Paying to Work (tax advantages)/Planning for the Future and More Our goal is to teach responsible parenting of a financially literate child.
  6. Creating Long-Term Wealth Overview - Investing/Saving/Stocks/Entrepreneurship/Real Estate and More Discover tools to create sustainable wealth through strategic investing.
  7. Asset Protection - Legal Structures/Insurance Needs/Personal and Business Inventory/Having a Will and More In essence, putting all your financial affairs in order, plus having a backup of all irreplaceable possessions, including photographs and legal documents.
  8. Creating Long-Term Wealth through Investing/Saving/Stocks - CDs/Treasury Bills/Annuities/Tax-Free Savings/Buying, Selling and Holding Stocks - Long and Short-Term This involves the ins and outs of both securing and creating wealth by joint venturing with other companies (through purchasing of stocks, mutual funds and other outside investments).
  9. Creating Long-Term Wealth through Entrepreneurship - Starting and Running a Business/Incorporating/Taxes/Team of Advisors and More Many businesses are run like a hobby instead of a profitable business. We focus on aspects related to operating a profitable business that can create both short- and long-term wealth.
  10. Creating Long-Term Wealth through Real Estate - Property Ownership/Rentals/Buying/Selling Learn how to start the process of investing in real estate (as an active and/or passive investor).
  11. Retirement - IRA/Investing/Tax-Free Planning/Benefactors Discover traditional strategies as well as ideas on how to self-direct your IRA to use for creative investing.
  12. Estate Planning - Trust/Wills/Asset Relocation/Plan Recap/Future Goals Sustainable wealth is predictable with a wealth plan, leadership and a solid wealth foundation. Proper estate planning ensures your wealth is not only transferred to future generations but also sustained.

You agree to pay Novae $19 per month for this service.

You will have a 10-day refund period after each charge. That means that if you don't want to be enrolled anymore, you can request a refund within 10 days of your charge.

Novae Inspirational Media

If you are purchasing Novae Inspirational Media, you agree to pay the cost of the media items you have selected. This media is provided in the form of digital mp3s that can be downloaded from your customer portal that you receive access to after enrollment. You will have 3 days to download these files after purchase.

You will have a 10-day refund period after each charge. That means that if you don't want to be enrolled anymore, you can request a refund within 10 days of your charge.

Hurdlr

If you have purchased Hurdlr - Expense & Mileage Software, you will receive:

  1. Automatic Mileage Tracking - Track all your driving expenses using your smartphone's GPS.
  2. Automatic Expense Tracking - Taxbot reads your photo and email receipts and matches them to the correct bank or credit card charge.
  3. Auditsafe Reporting - focused on IRS (and CRA) compliance.
  4. Peace of Mind in 12 minutes - spend 12 minutes per month approving expenses and mileage.

You agree to pay a one-time payment of $100, or a monthly payment of $10 per month (no contract or minimum commitment required).

You also authorize Novae to access any information they may need to supply these services, such as mileage and receipt information required by Hurdlr to accurately calculate your tax deductions.

Novae will never rent, sell, or give this information to any third parties. We only use it to allow us to do the job you hired us to do.

You will have a 10-day refund period after each charge. That means that if you don't want to be enrolled anymore, you can request a refund within 10 days of your charge.

Novae Protect

If you have purchased Novae Protect or Novae Affiliate Pro program (with Novae Protect 10K) you will recieve: 

  1. Dashlane Premium - The password manager that autofills your passwords on all of your devices plus: Unlimited Password Storage, Password Generator, Personalized Security Alerts, Dark Web Monitoring, Secure Notes, Encrypted File Storage (1 GB), Unlimited Device Access, VPN access for up to 5 devices.
  2. CyberScout - 24/7 access to a cyber support helpline, $1M in Identity Reimbursement Coverage, $25K Ransomware Coverage, & $25K Social Engineering Coverage.
  3. Headspace Plus - Premium mediation and sleep guides program for your desktop and mobile phone.
  4. Group Life Insurance Coverage - $10,000 or $50,000 in life benefits to help cover final expenses with no medical exam. To qualify you must be older than 18, under 65 years of age, not hospitalized, home confined or diagnosed with a terminal illness or condition at time of enrolment. Group life coverage provided by Amalgamated Life Insurance Company.
     

DISCOUNT or PROMO PRICING

Novae, from time to time, offers discounted prices on our products and services. If you are fortunate enough to get the promotional or discounted pricing on any of the above products and services, all of the terms and conditions and terms of service apply the same.

Novae Affiliates receive discounts on the products and services that are listed above as well. In order to receive these discounts and to receive commissions from referring others to Novae's products and services, customers must upgrade to Affiliate and agree to the Novae Affiliate terms and conditions.

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