Fiscal Responsibility Agreement

Munami reserves the right to refuse participation to any individual, business or entity to market our brand, our products, or services if we believe said individual, business or entity is causing, or is likely to cause, harm to the image or reputation of the company or to the image, reputation or marketability of our products.

When marketing Munami’s products or services, Marketers shall adhere to the policies and procedures of the Munami Achievers Program (“M.A.P”), as set out in the M.A.P material and other documentation concerning the M.A.P, as set out on the Munami website and as may be amended from time to time.  Any amendment shall become effective when posted on the Munami website and the Munami Marketer agrees to be bound by any amendment, and all transactions shall be governed by any amendment, after such posting.
The Munami Marketer agrees to monitor the current policies and procedures posted on the Munami website on a regular basis.

Marketers agree and understand that the enforcement of the Agreements, Appendices, and Policies will make a significant and positive impact on upholding the Munami brand & lifestyle, reputation and marketability of our products.

Fiscal Responsibility Agreement | Appendix 6.0

Anti-Money Laundering (AML)                                                                                                                                                                                                                                   In order to guard against money laundering, Munami has established an AML compliance program that at a minimum includes:
- Written internal policies, procedures, and controls
- A designated Compliance Officer
- An ongoing employee training program

The adoption and implementation of internal controls, which include comprehensive customer and vendor due diligence (CVDD). Enforcing appropriate customer and vendor due diligence such as, the Know Your Client protocol (KYC), assists in identifying, detecting, and evaluating unusual or suspicious activity, which allows for further investigation and an accurate assessment of risk.

- Detailed records of cash transactions over $1,000 up to $10,000

- Report cash transactions over $10,000

- If customer is not a Canadian resident, additional documentation is required for cash transactions over $1,000 up to $10,000

- If the cash transaction is conducted on behalf of a 3rd party (individual, business or entity), additional documentation is required for cash transactions over $1,000 up to $10,000

Credit Card Processing:
It is a crime to purchase products using a false or stolen credit card, or false or stolen credit card numbers. Further, it is a crime to misuse the charge back process to obtain a refund for goods that you obtained fraudulently. Whether you are the victim, or the perpetrator of fraud, be assured that we will actively pursue and prosecute fraud offenders to the fullest extent of the law.

We submit all fraudulent orders, as well as the IP address used to perpetrate the fraud, to the Royal Canadian Mounted Police, the United States Federal Bureau of Investigation (FBI), the United States Postal Inspection Service and the International Criminal Police Organization (INTERPOL) for prosecution to the fullest extent of the law.

In addition, we will work with cardholders, credit card companies, and local authorities to pursue fraud offenders. We take the security of our ordering system seriously and any attempt to fraudulently use a credit card will be reported immediately.

The integrity of Munami depends heavily on our framework of high legal, professional and ethical standards.

Income Tax & GST/HST:
Marketers are responsible for remitting any and all taxes and other such payments to their respective governments based on the laws and regulations applicable to the Marketer.  Munami is not responsible for any such remittances and the Marketer hereby indemnifies Munami from and against any claim made by any authority in respect of such payments.  * Canadian Residents: if you have a CRA issued GST/HST number, you may enter it on your main Login page.

Accounts Receivable:
Munami may set off any amount owed to Munami by the Marketer from any amount owed by Munami to the Marketer.

Payment Plans may be available for some big ticket items. Clients must pre-approve and be a good candidate for Payment Plans. Credit history from the credit bureaus may be requested for Payment Plan approval. Payments must be paid on time. See the fees schedule for penalties, fees and interest charged onto late or declined payments.

The Marketer agrees to pay all disbursement fees, fines and costs related to Munami preparing and remitting payment to the Marketer.  This includes all checks, debit or electron cards, wire transfers and any other payment methods and associated costs, as set forth by Munami in the fees schedule.

Collecting Money for Orders or Payments:

The Munami Marketer acknowledges that during the term of this agreement he or she may have access to or become a team lead, whereby you request or you are solicited to collect monies, in any form, to make a payment  on behalf of another Marketer. Marketers agree that;

- Monies paid to parties other than Munami will not be secured by Munami’s Agreements, Appendices and Policies

- Marketers shall indemnify and hold Munami harmless for any disputes arising from monies paid to parties other than Munami. Munami disclaims all liability for any such transactions.

- If requested by Munami, Marketers may need to complete the appropriate documentation for approval.

Charging fees
The Munami Marketer acknowledges that during the term of this agreement if he or she may choose to charge nominal administrative fees to team mates for assist their team on admin functions, the Marketer must complete the appropriate Fees Form for approval prior to charging said fees.

If any of the above conditions have not been met, Munami reserves the right to (i) terminate your participation in the Munami Achievers Program, (ii) levy a fine for misconduct *See Fines Schedule (iii) hold all payments and deposits until a thorough investigation is complete, (iv)terminate your right to receive a Marketing Income and other rewards, regardless of whether such income and rewards were previously earned, due or payable, (v) proceed with legal action or (vi) take any combination of the above referenced actions.