Sales Representative Program Terms

A note while this is being finalized

The written Independent Sales Representative Agreement is with counsel. Several points are marked below where a decision is still outstanding, and I would rather show you those than quietly publish language I have not had checked. Nothing on this page is legal or tax advice to you.

If you are reading this before the agreement is signed anywhere, that is the intended order. Decide whether the structure interests you, then read the document.

The short version

Twenty percent, recurring. Of the eligible monthly package revenue actually collected from each client attributed to you, for as long as that client stays.

Nothing until something sells. No base, no draw, no minimum, no guaranteed income. This is the real cost of the arrangement.

It does not stop when you do. No quota is required to keep being paid on clients you already brought in, and the payments pass to a beneficiary you name if you die.

You hold a payment right, not an asset. We own the client accounts. Your commission right cannot be sold or transferred to anybody else.

Nothing to buy, ever. No fees, no kit, no inventory, and no commission from recruiting anybody.

This summary is for convenience and is not part of the agreement. The numbered sections describe the program, and the signed agreement governs it.

Contents

1. What this page is
2. Who this is between
3. You are an independent contractor
4. What a representative does
5. How a client becomes attributed to you
6. How your commission is calculated
7. What eligible collected revenue means
8. When you get paid
9. When a client upgrades or reduces
10. Commission continues after you stop selling
11. Your beneficiary
12. What your commission right is, and is not
13. Who owns the client
14. Refunds, chargebacks and adjustments
15. What you must not say or do
16. Confidentiality
17. Ending the arrangement
18. Taxes and your own costs
19. No earnings guarantee
20. Costs to participate
21. Changes to the program
22. Governing law and disputes
23. How to contact us

1. What this page is

This page describes the I Ninja LLC Independent Sales Representative Program in plain language, so you can read the whole arrangement before you apply rather than after you have committed to it.

It is a description, not the contract. The contract is a written Independent Sales Representative Agreement signed by both of us. Where anything on this page differs from that agreement, the agreement wins. Nothing here is legal or tax advice to you.

In plain terms: read this to decide whether the deal interests you. Read the agreement before you sign anything.

2. Who this is between

The program is operated by I Ninja LLC. In these terms, "we" and "us" mean I Ninja LLC, and "you" means an individual accepted into the program as an independent sales representative.

Representatives may also be permitted to introduce clients to Ninja Credit Consultants LLC or to the Life Insurance Solutions offer. Those introductions are covered by the same agreement unless we tell you otherwise in writing, but the service itself is provided by whichever entity is named in the client's own agreement.

3. You are an independent contractor

You are an independent contractor and not an employee. That is not a label chosen for convenience, it is how the arrangement actually works: you set your own hours, choose your own methods, work from wherever you like, use your own equipment and decide how much effort to put in.

Because you are not an employee, there is no salary, no wage, no overtime, no paid leave, no health coverage and no employee benefits of any kind. Nothing is withheld from your payments. You are responsible for your own income tax and self employment tax, and for any licences or registrations your own situation requires.

There is no exclusivity. You may hold other work, represent other products that do not directly compete, and run this alongside an existing business.

In plain terms: you are running your own small business, and you should speak to your own accountant about what that means for you rather than relying on anything written here.

4. What a representative does

You introduce businesses to our services, work out what they actually need, and help them decide whether what we offer fits. You are not responsible for building, configuring, onboarding or supporting anything you sell. That is ours.

There is no assigned territory, no activity quota, no required call volume, no mandatory meetings and nobody counting your hours. There is also no minimum production requirement to stay in the program, subject to section 17.

5. How a client becomes attributed to you

Attribution is what makes a client count as yours for commission purposes, and it is the single most important mechanic in the program. It is determined by our records, under the rules set out in the agreement, which cover how an introduction is registered, how long an introduction stays live before it lapses, and what happens when two representatives claim the same business.

Register introductions as the agreement requires. A business you spoke to but never registered is not attributed to you, and that is the most common way a representative loses commission they believed they had earned.

In plain terms: if it is not recorded, it did not happen. Record it.

6. How your commission is calculated

You earn twenty percent of the eligible monthly package revenue actually collected from each client attributed to you, for as long as that client remains active and that revenue keeps being collected.

Commission is calculated on revenue collected, not on contracts signed. A client who signs and never pays produces no commission, because there is nothing to take a percentage of. A client who pays every month produces commission every month.

There is no cap on what you can earn in total, and there is no floor either. See section 19.

7. What eligible collected revenue means

Eligible revenue is the recurring monthly package revenue for the services the program treats as commissionable, and only the portion we actually receive and keep.

It does not automatically include everything a client might ever pay us. Items such as one off setup or build fees, third party pass through costs, taxes, refunded amounts and amounts never collected are treated separately. The agreement lists what qualifies and what does not.

In plain terms: a compensation plan that will not define its own base is a compensation plan you should not sign. Ask to see that list, and read it.

8. When you get paid

Commission accrues as eligible revenue is collected and is paid on the schedule set out in the agreement. Because payment follows collection rather than signature, your first payment is tied to the first eligible revenue we actually receive from your client, not to the day they agreed to proceed.

You will be able to see what has been attributed to you and what has been collected. Any payment threshold, payment method and timing is stated in the agreement.

9. When a client upgrades or reduces

If a client attributed to you moves up to a larger package, your twenty percent recalculates against the new higher eligible monthly revenue. That applies even when we handle the upgrade entirely without you.

The same mechanism works in reverse. If a client reduces their services, pauses, or drops to a smaller package, your commission recalculates downward with them. If they cancel, commission on that client ends, because there is no longer any collected revenue to share.

In plain terms: you are paid a percentage of what that client actually pays us each month, whatever that number turns out to be.

10. Commission continues after you stop selling

Once a client is attributed to you, your commission right on that client continues for as long as they stay active, keep receiving eligible services and keep generating collected revenue. You do not have to keep selling, and there is no quota you must maintain, in order to keep being paid on what you already brought in.

This survives you stopping work, and it survives you leaving the program voluntarily. It does not survive termination for cause under section 17, and the agreement states exactly what counts as cause.

11. Your beneficiary

You may name an eligible beneficiary, such as a spouse or a child. In the event of your death, qualifying continuing commission payments are honored through that beneficiary under the written representative agreement and applicable law.

What passes is the right to receive payment. Ownership of the client accounts does not pass, and your beneficiary does not become a representative or acquire any role in the business.

In plain terms: most commission agreements simply stop when the representative dies and the family finds out afterwards. This one is written not to, and it is written down rather than promised.

12. What your commission right is, and is not

Your commission right is a contractual right to be paid a percentage of revenue we collect. It is a payment stream.

It is not an ownership interest in I Ninja LLC, not equity, not a security, and not a book of business you own. It cannot be sold, assigned, pledged, borrowed against or commercially transferred to a third party. The only transfer contemplated anywhere in this program is the beneficiary provision in section 11.

In plain terms: you can earn from it and you can leave it to somebody, but you cannot sell it. If building something you could one day sell is your goal, this is the wrong structure and you should know that now.

13. Who owns the client

I Ninja LLC owns the client accounts, the service agreements, the client records and the client data. That is true of every client, including ones you introduced.

You do not acquire rights in the client relationship, and you may not take client data with you, copy it, or use it for another purpose. You keep your own contacts and your own network, which were yours before you arrived; what you do not keep is our records about them.

14. Refunds, chargebacks and adjustments

Commission is paid on revenue collected and kept. If revenue is later refunded, charged back, reversed or written off as uncollectable, the commission paid on it is adjusted, normally by offsetting it against your next payment.

If we discover that commission was paid in error, through a mistake in attribution or in our own calculation, it is corrected in the same way. Corrections run in both directions: if we underpaid you, we pay the difference.

15. What you must not say or do

You represent us when you talk to a prospect, and the single fastest way to lose this arrangement is to buy a sale with a promise we then have to keep. So:

• Do not guarantee results, outcomes, revenue, credit scores, rankings, review counts or any other number.
• Do not state prices, terms, timelines or capabilities that have not been confirmed with us.
• Do not describe yourself as an employee, officer or owner of I Ninja LLC, or sign anything on our behalf.
• Do not use pressure selling, manufactured urgency or any close that depends on the client not thinking clearly.
• Do not send unsolicited bulk messages, or contact anybody in a way that breaches telemarketing, email or do not call rules. You are responsible for your own compliance with those laws.
• Do not represent us to a business you are simultaneously selling a competing service to.

In plain terms: sell it honestly or do not sell it. We turn work away when it is not a fit, and you will sometimes be told to walk away from something you worked on.

16. Confidentiality

You will see things that are not public: pricing structures, client information, internal material and how the systems are built. Keep them confidential, use them only for the program, and return or destroy what you hold if you leave.

This does not cover information that is already public, that you knew before you arrived, or that you are legally required to disclose.

17. Ending the arrangement

Either of us may end the arrangement. You can stop at any time. We can end it on the notice stated in the agreement.

If you leave or we part ways on ordinary terms: your continuing commission on clients already attributed to you carries on under section 10. You stop registering new introductions.

If the agreement is terminated for cause: continuing commission can be forfeited. Cause means serious conduct, and the agreement defines it specifically rather than leaving it open. It is not a mechanism for ending the arrangement once a representative's book becomes expensive, and the agreement is written to make that clear.

18. Taxes and your own costs

You are paid gross. Nothing is withheld. You are responsible for your own federal, state and local taxes, including self employment tax, and for your own business expenses, equipment, travel and any insurance you choose to carry.

We report payments to the tax authorities as required, normally on Form 1099-NEC where thresholds are met, and you will need to give us a completed Form W-9 before we can pay you.

In plain terms: set money aside as you go. Talk to an accountant in your first month, not in April.

19. No earnings guarantee

No minimum income, revenue, commission or sales result is guaranteed, promised, projected or implied, and there is no base, no draw and no floor of any kind.

What you earn depends on how many clients you bring, what those clients buy, whether they stay, and factors outside anybody's control. Any figure another representative has achieved is that person's result and is not a prediction about yours. We do not publish income examples, earnings claims or sales screenshots, and you must not either.

20. Costs to participate

There are none. No enrollment fee, no application fee, no starter kit, no inventory, no required training purchase, no software subscription and no upfront financial commitment of any kind, at any point.

No commission of any kind is earned from recruiting other representatives. There is no downline and no recruitment based compensation in this program.

In plain terms: if anybody ever asks you for money to participate in this program, they are not acting with our authority and we want to hear about it.

21. Changes to the program

We may change the program going forward, including the services offered, the material provided and the structure of the program itself. Changes are not retroactive: commission already accrued on revenue already collected is not altered by a later change.

Changes to the commission rate or to the terms that affect your existing attributed clients are made as the agreement provides, with notice. If a change is unacceptable to you, you may end the arrangement under section 17.

22. Governing law and disputes

The program and the agreement are governed by the laws of the State of California, without regard to its conflict of law rules.

If something goes wrong, raise it with us first at ianl@i-ninja-llc.com, with a description of the issue and what you would like done about it. Most disagreements about attribution or calculation turn out to be a records question and get solved in a day.

If a dispute cannot be resolved informally, it will be handled in the courts of the State of California, and both of us agree to the jurisdiction of those courts for that purpose.

23. How to contact us

Questions about the program go to ianl@i-ninja-llc.com or through the contact page. Questions about whether the role suits you are better asked on the fifteen minute call, which is free and carries no recruiting pitch.

If any provision of these terms is found unenforceable, it is modified to the minimum extent necessary or severed, and the rest stays in force. A failure to enforce a provision is not a waiver of it.

Important: This page describes a commission only independent contractor opportunity and is not an offer of employment, an offer of a security, or a guarantee of earnings. No base salary, employee benefits or guaranteed income are offered. Commission is calculated on eligible collected monthly package revenue. Client attribution, post termination commissions, adjustments, payment schedules, beneficiary provisions and all other conditions are governed by a written Independent Sales Representative Agreement, which controls if anything on this page differs from it. Independent contractor status is subject to applicable law.