DREAM FINANCIAL LITERACY AFFILIATE AGREEMENT 
February 2022
Dream Financial Literacy Affiliate Agreement 
Dream Financial Literacy [Dream] may offer you an opportunity to become an independent Dream Affiliate [Affiliate], wherein you have the opportunity to earn additional money from Dream products, services and accounts that you sell. Dream reserves the sole and exclusive right to determine the amount of remuneration each Affiliate will receive in exchange for the Affiliate’s efforts. Affiliate commission is further discussed herein. See also Dream Financial Literacy Terms of Service, which apply to you in your role as Affiliate, Dream Financial Literacy Affiliate Agreement 
Dream Financial Literacy [Dream] may offer you an opportunity to become an independent Dream Affiliate [Affiliate], wherein you have the opportunity to earn additional money from Dream products, services and accounts that you sell. Dream reserves the sole and exclusive right to determine the amount of remuneration each Affiliate will receive in exchange for the Affiliate’s efforts. Affiliate commission is further discussed herein. See also Dream Financial Literacy Terms of Service, which apply to you in your role as Affiliate, unless otherwise expressly provided for.  
This Affiliate Agreement governs your application for, and any subsequent participation in, Dream’s Affiliate program. By clicking “I Accept the Terms and Conditions” and submit, you thereby accept the terms of this Agreement, you indicate that you have read and understood this Agreement and agree that you are bound by its terms. 
SECTION 1 - PARTIES 
All references to “Dream Financial Literacy” herein means and refers to Universal Border Solutions Corporation, doing business as Dream Financial Literacy. All references to “you” and “your” mean and refer to the person or entity who has executed this Agreement. Dream and you are each referred to herein as a “Party,” and collectively as the “Parties.” 
SECTION 2 - APPLICATION 
You agree to provide all information requested by Dream in connection with your Affiliate application, and you affirm that all information that you provide is truthful and accurate. You understand and agree that Dream retains sole and exclusive discretion 
to determine whether you qualify for participation in Dream ’s Affiliate program. Not everyone who applies for Dream’s Affiliate program will qualify to participate.  
 SECTION 3 - CONSENT TO BE CONTACTED 
You expressly consent to be contacted at the email address and the phone number you provide in your application about your application and the Affiliate program, including through automated dialing systems, texts and artificial or pre-recorded messages. This consent is a material condition of this Agreement and may not be revoked except in writing by both Parties. 
SECTION 4 - COMPENSATION  
If your application to become an Affiliate is approved by Dream, you will receive a unique Affiliate ID. The Affiliate ID will be incorporated within each URL which you will use to advertise Dream Financial Literacy . You will have the opportunity to receive a commission for each sale that is registered using your Affiliate ID. 
In the event that a prospect has multiple Affiliate cookies , the most recently acquired Cookie will determine which Affiliate is credited with a Sale. There are some products and services sold that do not have trial periods. 
Provided that the Sold Account (as defined below) remains in good status within thirty (30) days from the Sale, you will be paid a commission for each Sold Account that generates a payment to Dream in a month [Commission]. Except as otherwise provided herein, Commission payments will be paid on the 1st and 15th of each month following Dream’s receipt of payment for a Sold Account, subject to the other terms of this Agreement. In the event the 1st or 15th of each month falls on a holiday, Commission payments will be paid on the business day preceding the holiday. All Commission payments are based on the amount of fees received by Dream, less sales taxes.
Whether or not you apply and are accepted as an Affiliate, if you are a Dream ’s user who chooses to display a “made with Dream Financial Literacy” badge on the bottom of your funnel, you will have the opportunity to receive a commission (the “Badge Commission”) when a Prospect creates a Dream account or purchases Dream products. 
The amount of Commissions are as follows: 
Tier 1 Affiliate: $10.00 for the one time from the $99 initial sale and then $5.00 per month Commission thereafter. 
Tier 2 Affiliate: $5.00 for the one time from the $99 initial sale and then $2.50 per month Commission thereafter. 
Initial approval into the Dream’s Affiliate Program grants you access to promote select front-end offerings (the Tier 1 and Tier 2 Affiliate). You will receive a Commission on these offerings. 
All Commissions are paid in U.S. Dollars (USD) or otherwise in currencies offered by the payment provider. Some payment methods may incur processing fees that may be deducted from your Commissions payment. Your combined Commission must equal or exceed One Hundred and 00/100 Dollars ($100.00) (USD) before you receive a payment from Dream. 
Before you can be paid any Commission, you must provide Dream a completed W-8 or W-9 tax form, as instructed by Dream, as well as any supporting documentation requested by Dream or its third-party payment provider. You will be deemed to have permanently waived all rights to Commissions that were earned more than 120 days before submitting a completed W-8 or W-9 tax form or any ancillary supporting documentation that is requested to confirm the information on your tax form. If you are not a resident of the United States, Dream may withhold tax (including without limitation VAT) where required by applicable law. You are solely responsible for complying with all 
tax laws in your respective jurisdiction(s) including, but not limited to, the payment of all required taxes, and filing of all returns and other required documents with, the applicable governing body(ies). 
Affiliates will not be paid any Commissions for payments made on Affiliate’s own user account(s). Affiliates are not permitted to open a Dream account under the name of another person or entity, under a fictitious name, or under any name merely for the purpose of obtaining Commissions or any other compensation. Affiliates may not pay for another person’s or entity’s account. Affiliates are not permitted to offer cash rebates or other monetary incentives to obtain Sales. 
Commissions are paid only for transactions that actually occur between Dream and a Sale and in which payment is received by Dream. If payment for a Sold Account later results in a refund or chargeback, and if a Commission was paid to You for that Sold Account or payment, then the Commission will be deducted from your future Commissions.  
If Dream determines, in its sole and exclusive discretion, that any Sale was procured fraudulently or as a result of any violation of this Agreement or applicable law, no Commission will be paid for such Sale and, for past sales, such payment amounts shall be deducted from Your future Commissions and Dream may terminate this Agreement immediately without Dream having any liability to you. 
SECTION 5 - TERM AND TERMINATION 
The term of this Agreement will begin the earlier of (i) when you click “I accept the Terms and Conditions” and submit; or (ii) your participation in the Affiliate program is approved. Your participation in the Dream Affiliate program will continue month-to month until terminated. Either Party may terminate this Agreement at any time, with or without cause, by giving the other Party thirty (30) days’ written notice of termination. If, in our sole discretion, you fail, or we suspect that you have failed, to comply with any term or provision of the Agreement or the Terms of Service, or violated any law, 
whether in connection with your use of Dream or otherwise, we may terminate the Agreement or suspend your access to the Affiliate website (“Website”) at any time without notice to you. In addition, if, based on our data, you have a dispute rate greater than 10%, we may terminate this Agreement or suspend your access to the Website at any time without notice to you. In such an instance, and in our sole discretion, we may also for the aforementioned reasons, terminate our relationship and suspend any accounts owned/controlled by you. For the avoidance of doubt, and without limitation for purposes of the foregoing, any violation of the required disclosure will be deemed a material breach of this Agreement. See Appendix A, Section 2, Disclosure. In the event this Agreement is canceled due to your breach, you immediately forfeit all Commissions and any other payments owed to you or that may in the future be owed to you without any further liability by Dream to you.  
If this Agreement is terminated or canceled, then all provisions that, by their nature, should survive, will survive, including, but not necessarily limited to, all limitations of liability, disclaimers of warranties, indemnity obligations, mandatory arbitration and class action waiver provisions, and exceptions to arbitration. All representations and warranties undertaken by you shall also survive termination or cancellation of this Agreement and/or Your Dream account. 
SECTION 6 - ADDITIONAL REPRESENTATIONS AND WARRANTIES In addition to your other representations and warranties herein, you further represent and warrant that there are no prior or pending government investigations or inquiries of, or prosecutions against you by the Federal Trade Commission (“FTC”), any other federal or state governmental agency, or any industry regulatory authority, anywhere in the world, nor any prior or pending private lawsuits against you which relate to alleged intentional torts or alleged violation of any consumer protection or advertising laws. If you become the subject of such an investigation, inquiry, prosecution, or lawsuit any time after this Agreement is executed, you are required to notify Dream of the same within 24 hours. Dream, in its sole and exclusive discretion, may immediately terminate your participation in Dream Affiliate program, as well as immediately terminate this 
Agreement, based on any investigation, proceeding, or lawsuit identified pursuant to this paragraph.  
SECTION 7 - ENTIRE AGREEMENT  
This Agreement, Appendix A below, along with Dream’s standard Terms of Service, represents the entire agreement between the Parties and supersedes any other written or oral agreement between the Parties as pertaining to your Affiliate application and, if approved, your rights and responsibilities as an Affiliate. 
Appendix A 
Additional Terms of the Affiliate Agreement and Advertising Rules. These Advertising Rules apply to all activities of Affiliate: 
General Compliance.  
Affiliate shall publish or otherwise distribute advertisements in strict compliance with all applicable laws and regulations, including without limitation, laws prohibiting deceptive and misleading advertising and marketing, email marketing laws (including the federal CAN-SPAM Act (15 U.S.C. § 7701)), laws governing testimonials (including the FTC’s  
Revised Endorsements and Testimonials Guides (16 CFR Part 255 of the Code of Federal Regulations)), and all guidelines issued by the FTC. Affiliate is solely responsible for ensuring Affiliate’s compliance with all laws. Affiliates are strictly prohibited from making claims concerning the products and services offered by Dream that are inconsistent with, or beyond the scope of marketing materials produced and made available by Dream on the Dream website, www.DreamFinancialLiteracy.com 
Affiliate is prohibited from publishing or otherwise distributing advertisements by telemarketing, fax, or text messaging in any form to any device. Affiliate shall not offer monetary incentives, such as rewards points, cash, or prizes to Prospects in return for their response to an advertisement. Affiliate may, however, offer Prospects information and materials of tangible value including, but not limited to, website templates, 
information about e-commerce, website design, and online marketing, for reduced or no charge, but only so long as Affiliate accurately describes and delivers such information and materials to the Prospect. Dream retains the sole and exclusive discretion to determine whether Affiliate’s advertising and conduct is in compliance with all laws. 
Disclosure. 
On any website that Affiliate advertises any Dream service or product, Affiliate must plainly display (i.e., not in a link, or in small font) disclaimer language, such as: 
a. Disclosure:  
I am an independent Dream Financial Literacy Affiliate, not an employee. I receive referral payments from Dream Financial Literacy. The opinions expressed here are my own and are not official statements of Dream Financial Literacy or its parent company, Universal Border Solutions Corporation. 
Non-Disparagement. 
Affiliate is not permitted to comment negatively about or disparage the products or services of Dream or any other person or entity, including without limitation the products or services of a Dream competitor. Affiliate is not permitted to engage in any unlawful or deceptive actions with respect to search engine optimization, including, but not limited to, using any technique that generates paid search results based on any trademarks of Dream Financial Literacy, any brand name of Dream Financial Literacy, or based on the trademarks or brand name of any competitor of Dream, or any other third party. Affiliate shall not direct link to a Dream’s sales page from any paid advertising. 
Social Media. 
If Affiliate advertises on Instagram or YouTube, then each post must comply with all of the following: 
Each post must contain @ Dream Financial Literacy or # Dream Financial Literacy.
Each post must contain #ad in a clear and conspicuous location before the text of the description and in all events before the “More” button. 
Each Instagram post must use Instagram’s “Paid Partnership” tool. 
Each YouTube post must contain the word “Ad,” “Advertisement,” “Promotion,” or “Paid Partnership” within the video itself in a font size that is clearly recognizable to the viewer and which appears persistently throughout the length of the video in the top right hand portion of the video. If Affiliate is advertising on other forms of written social media (e.g., Facebook, Twitter), Affiliate must comply with the above disclosure restrictions as applicable to each form of social media. Affiliate must also comply with all rules of each social media platform that Affiliate uses. 
Income and Business Opportunity Claims. 
Affiliates are expressly prohibited from making any claims that use of Dream Financial Literacy will guarantee that the user will make money. If Affiliate’s recruiting efforts include claims related to income Affiliate has made from using Dream or as an Affiliate, the following guidelines must be adhered to: 
(a) Affiliate’s statements must be completely true and accurate and supported by evidence of Affiliate’s experience; and 
(b) Affiliate’s statements must be accompanied by the following disclaimer in clear and conspicuous font and placement: “These were my results. Your results will vary based on a variety of factors including your education, effort, and market factors. There is no guarantee you will make any money.” 
Affiliate is also expressly prohibited from making any express or implied claims that Dream Financial Literacy is or provides a business opportunity, franchise opportunity, a “business-in-a-box,” or an assisted marketing plan. 
Dream Financial Literacy’s Trademarks.
No logo, tagline, trademark, trade name, or trade dress (collectively, the “Dream Financial Literacy Trademarks”) owned by Dream may be used, copied, or reproduced by any Affiliate except as set forth below. No Dream intellectual property (or any mark confusingly similar to any Dream intellectual property) is to be registered as a trademark in any country or registered as a domain name by Affiliate in any way in any country.  
Subject to the restrictions below, approved Affiliates are granted a limited, revocable, non-transferrable, and non-assignable license to use the “Universal Border Solutions ®” trademark, Registration No. 5,522,198, to advertise Dream online. Any time Affiliate uses the word “Universal Border Solutions” it must be immediately followed by “®”. Affiliate may not use “Universal Border Solutions” or other Universal Border Solutions trademarks (including those at this link, which may be updated from time to time) as part of any URL, domain or website name. 
Universal Border Solutions retains exclusive ownership of all Universal Border Solutions Trademarks and other intellectual property and all of its rights therein. Affiliate shall not promote or provide services to any other business or person that is infringing any of Universal Border Solutions intellectual property. 
Complaint Notification. 
Affiliate must notify Company of any complaint received by Affiliate regarding any advertisements within twenty-four (24) hours of receiving such complaint. Notice should be sent to info@universalbordersolutions.com 
Independent Contractor. 
Affiliates are independent contractors of Dream. It is the express understanding and intention of the Parties that no relationship of master and servant nor principal and agent shall exist between Dream and you by virtue of this Agreement. You have no right to act on behalf of or bind Dream in any way, nor share in the profits or losses of 
Dream. The only compensation available to you is set forth in this Agreement. You are solely and exclusively responsible and liable for all of your acts or omissions. 
NO WARRANTY; NO LEADS.  
Dream does not promise, guarantee or warrant your business success, income, or sales. You understand and acknowledge that Dream will not at any time provide sales leads or referrals to you. You understand and agree further that this is not a business opportunity, a franchise opportunity, a “business-in-a-box,” or an assisted marketing plan. You are responsible for procuring and paying for any and all materials and resources necessary to operate as an Affiliate as you determine in your sole discretion. 
LIMITATION OF LIABILITY. EXCEPT WHERE OTHERWISE INAPPLICABLE OR PROHIBITED BY LAW, IN NO EVENT SHALL DREAM FINANCIAL LITERACY OR ANY OF ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, INDEPENDENT CONTRACTORS, TELECOMMUNICATIONS PROVIDERS, AND/OR AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, CONSEQUENTIAL, PUNITIVE, OR ANY OTHER DAMAGES, FEES, COSTS OR CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT, THE PRIVACY POLICY, THE SERVICES OR PRODUCTS, YOUR OR A THIRD PARTY’S USE OR ATTEMPTED USE OF THE WEBSITE OR ANY SOFTWARE, SERVICE, OR PRODUCT, REGARDLESS OF WHETHER DREAM FINANCIAL LITERACY HAS HAD NOTICE OF THE POSSIBILITY OF SUCH DAMAGES, FEES, COSTS, OR CLAIMS. THIS INCLUDES, WITHOUT LIMITATION, ANY LOSS OF USE, LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, COST OF PROCUREMENT OF SUBSTITUTE SERVICES OR PRODUCTS, OR ANY OTHER INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR OTHER DAMAGES. THIS APPLIES REGARDLESS OF THE MANNER IN WHICH DAMAGES ARE ALLEGEDLY CAUSED, AND ON ANY THEORY OF LIABILITY, WHETHER FOR BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), WARRANTY, OR OTHERWISE.
IN NO EVENT SHALL DREAM FINANCIAL LITERACY’S LIABILITY TO YOU OR YOUR BUSINESS EXCEED THE AMOUNT OF THREE (3) TIMES THE PAYMENTS PAID BY YOU TO DREAM FINANCIAL LITERACY FOR THE MONTH PRECEDING THE DATE IN WHICH THE FACTS GIVING RISE TO A CLAIM AGAINST DREAM FINANCIAL LITERACY OCCURRED OR TWO-THOUSAND DOLLARS ($2,000), WHICHEVER IS GREATER. 
DISPUTE RESOLUTION BY MANDATORY BINDING ARBITRATION, CLASS ACTION WAIVER, & GOVERNING LAW. 
As explained in Dream’s Terms of Service, any controversy or claim arising out of or related to this Agreement or Your relationship with us that cannot be resolved through negotiation within 120 days shall be resolved by binding, confidential arbitration administered by the American Arbitration Association (“AAA”), and judgment on the award rendered may be entered in any court having jurisdiction thereof. The sections of the Terms of Service entitled “DISPUTE RESOLUTION BY MANDATORY BINDING ARBITRATION AND CLASS ACTION WAIVER,” “DREAM FINANCIAL LITERACY’ ADDITIONAL REMEDIES,” and “GOVERNING LAW AND VENUE” are expressly incorporated herein by reference. Please review the Terms of Service for more information. 
Indemnity. 
You agree to protect, defend, indemnify and hold harmless Dream Financial Literacy, its officers, directors, employees, owner(s), and parent company(ies) and assigns from and against all claims, demands, and causes of action of every kind and character without limitation arising out of your conduct, acts, or omissions related to your application and/or performance of this Agreement including, but not limited to, any breach of this Agreement. Your indemnity obligation includes, but is not limited to, any third-party claim against Dream Financial Literacy for liability or payments for damages caused by, or other liability relating to, you. This provision expressly survives the termination of this Agreement.
Severability. 
In the event any provision of this Agreement is inconsistent with or contrary to any applicable law, rule, or regulation, the provision shall be deemed to be modified to the extent required to comply with the law, rule, or regulation, and this Agreement and the Terms of Service, as so modified, shall continue in full force and effect. 
Modification/Amendments. 
This Agreement and Dream’s standard Terms of Service may be modified by Dream at any time, with or without prior notice to you. Amendments or modifications to this Agreement or the Terms of Service will be binding on you when they are sent to you via email or are posted in the affiliate center. No amendment to this Agreement or the Terms of Service shall be valid unless prepared or signed by Dream. Your continued acceptance of Commission payments constitutes your acceptance to any modifications or amendments to this Agreement and the Terms of Service. 
Copyright 2022 - Dream Financial Literacy - All Rights Reserved
 otherwise expressly provided for.  
This Affiliate Agreement governs your application for, and any subsequent participation in, Dream’s Affiliate program. By clicking “I Accept the Terms and Conditions” and submit, you thereby accept the terms of this Agreement, you indicate that you have read and understood this Agreement and agree that you are bound by its terms. 
SECTION 1 - PARTIES 
All references to “Dream Financial Literacy” herein means and refers to Universal Border Solutions Corporation, doing business as Dream Financial Literacy. All references to “you” and “your” mean and refer to the person or entity who has executed this Agreement. Dream and you are each referred to herein as a “Party,” and collectively as the “Parties.” 
SECTION 2 - APPLICATION 
You agree to provide all information requested by Dream in connection with your Affiliate application, and you affirm that all information that you provide is truthful and accurate. You understand and agree that Dream retains sole and exclusive discretion 
to determine whether you qualify for participation in Dream ’s Affiliate program. Not everyone who applies for Dream’s Affiliate program will qualify to participate.  
 SECTION 3 - CONSENT TO BE CONTACTED 
You expressly consent to be contacted at the email address and the phone number you provide in your application about your application and the Affiliate program, including through automated dialing systems, texts and artificial or pre-recorded messages. This consent is a material condition of this Agreement and may not be revoked except in writing by both Parties. 
SECTION 4 - COMPENSATION  
If your application to become an Affiliate is approved by Dream, you will receive a unique Affiliate ID. The Affiliate ID will be incorporated within each URL which you will use to advertise Dream Financial Literacy . You will have the opportunity to receive a commission for each sale that is registered using your Affiliate ID. 
In the event that a prospect has multiple Affiliate cookies , the most recently acquired Cookie will determine which Affiliate is credited with a Sale. There are some products and services sold that do not have trial periods. 
Provided that the Sold Account (as defined below) remains in good status within thirty (30) days from the Sale, you will be paid a commission for each Sold Account that generates a payment to Dream in a month [Commission]. Except as otherwise provided herein, Commission payments will be paid on the 1st and 15th of each month following Dream’s receipt of payment for a Sold Account, subject to the other terms of this Agreement. In the event the 1st or 15th of each month falls on a holiday, Commission payments will be paid on the business day preceding the holiday. All Commission payments are based on the amount of fees received by Dream, less sales taxes.
Whether or not you apply and are accepted as an Affiliate, if you are a Dream ’s user who chooses to display a “made with Dream Financial Literacy” badge on the bottom of your funnel, you will have the opportunity to receive a commission (the “Badge Commission”) when a Prospect creates a Dream account or purchases Dream products. 
The amount of Commissions are as follows: 
Tier 1 Affiliate: $10.00 for the one time from the $99 initial sale and then $5.00 per month Commission thereafter. 
Tier 2 Affiliate: $5.00 for the one time from the $99 initial sale and then $2.50 per month Commission thereafter. 
Initial approval into the Dream’s Affiliate Program grants you access to promote select front-end offerings (the Tier 1 and Tier 2 Affiliate). You will receive a Commission on these offerings. 
All Commissions are paid in U.S. Dollars (USD) or otherwise in currencies offered by the payment provider. Some payment methods may incur processing fees that may be deducted from your Commissions payment. Your combined Commission must equal or exceed One Hundred and 00/100 Dollars ($100.00) (USD) before you receive a payment from Dream. 
Before you can be paid any Commission, you must provide Dream a completed W-8 or W-9 tax form, as instructed by Dream, as well as any supporting documentation requested by Dream or its third-party payment provider. You will be deemed to have permanently waived all rights to Commissions that were earned more than 120 days before submitting a completed W-8 or W-9 tax form or any ancillary supporting documentation that is requested to confirm the information on your tax form. If you are not a resident of the United States, Dream may withhold tax (including without limitation VAT) where required by applicable law. You are solely responsible for complying with all 
tax laws in your respective jurisdiction(s) including, but not limited to, the payment of all required taxes, and filing of all returns and other required documents with, the applicable governing body(ies). 
Affiliates will not be paid any Commissions for payments made on Affiliate’s own user account(s). Affiliates are not permitted to open a Dream account under the name of another person or entity, under a fictitious name, or under any name merely for the purpose of obtaining Commissions or any other compensation. Affiliates may not pay for another person’s or entity’s account. Affiliates are not permitted to offer cash rebates or other monetary incentives to obtain Sales. 
Commissions are paid only for transactions that actually occur between Dream and a Sale and in which payment is received by Dream. If payment for a Sold Account later results in a refund or chargeback, and if a Commission was paid to You for that Sold Account or payment, then the Commission will be deducted from your future Commissions.  
If Dream determines, in its sole and exclusive discretion, that any Sale was procured fraudulently or as a result of any violation of this Agreement or applicable law, no Commission will be paid for such Sale and, for past sales, such payment amounts shall be deducted from Your future Commissions and Dream may terminate this Agreement immediately without Dream having any liability to you. 
SECTION 5 - TERM AND TERMINATION 
The term of this Agreement will begin the earlier of (i) when you click “I accept the Terms and Conditions” and submit; or (ii) your participation in the Affiliate program is approved. Your participation in the Dream Affiliate program will continue month-to month until terminated. Either Party may terminate this Agreement at any time, with or without cause, by giving the other Party thirty (30) days’ written notice of termination. If, in our sole discretion, you fail, or we suspect that you have failed, to comply with any term or provision of the Agreement or the Terms of Service, or violated any law, 
whether in connection with your use of Dream or otherwise, we may terminate the Agreement or suspend your access to the Affiliate website (“Website”) at any time without notice to you. In addition, if, based on our data, you have a dispute rate greater than 10%, we may terminate this Agreement or suspend your access to the Website at any time without notice to you. In such an instance, and in our sole discretion, we may also for the aforementioned reasons, terminate our relationship and suspend any accounts owned/controlled by you. For the avoidance of doubt, and without limitation for purposes of the foregoing, any violation of the required disclosure will be deemed a material breach of this Agreement. See Appendix A, Section 2, Disclosure. In the event this Agreement is canceled due to your breach, you immediately forfeit all Commissions and any other payments owed to you or that may in the future be owed to you without any further liability by Dream to you.  
If this Agreement is terminated or canceled, then all provisions that, by their nature, should survive, will survive, including, but not necessarily limited to, all limitations of liability, disclaimers of warranties, indemnity obligations, mandatory arbitration and class action waiver provisions, and exceptions to arbitration. All representations and warranties undertaken by you shall also survive termination or cancellation of this Agreement and/or Your Dream account. 
SECTION 6 - ADDITIONAL REPRESENTATIONS AND WARRANTIES In addition to your other representations and warranties herein, you further represent and warrant that there are no prior or pending government investigations or inquiries of, or prosecutions against you by the Federal Trade Commission (“FTC”), any other federal or state governmental agency, or any industry regulatory authority, anywhere in the world, nor any prior or pending private lawsuits against you which relate to alleged intentional torts or alleged violation of any consumer protection or advertising laws. If you become the subject of such an investigation, inquiry, prosecution, or lawsuit any time after this Agreement is executed, you are required to notify Dream of the same within 24 hours. Dream, in its sole and exclusive discretion, may immediately terminate your participation in Dream Affiliate program, as well as immediately terminate this 
Agreement, based on any investigation, proceeding, or lawsuit identified pursuant to this paragraph.  
SECTION 7 - ENTIRE AGREEMENT  
This Agreement, Appendix A below, along with Dream’s standard Terms of Service, represents the entire agreement between the Parties and supersedes any other written or oral agreement between the Parties as pertaining to your Affiliate application and, if approved, your rights and responsibilities as an Affiliate. 
Appendix A 
Additional Terms of the Affiliate Agreement and Advertising Rules. These Advertising Rules apply to all activities of Affiliate: 
General Compliance.  
Affiliate shall publish or otherwise distribute advertisements in strict compliance with all applicable laws and regulations, including without limitation, laws prohibiting deceptive and misleading advertising and marketing, email marketing laws (including the federal CAN-SPAM Act (15 U.S.C. § 7701)), laws governing testimonials (including the FTC’s  
Revised Endorsements and Testimonials Guides (16 CFR Part 255 of the Code of Federal Regulations)), and all guidelines issued by the FTC. Affiliate is solely responsible for ensuring Affiliate’s compliance with all laws. Affiliates are strictly prohibited from making claims concerning the products and services offered by Dream that are inconsistent with, or beyond the scope of marketing materials produced and made available by Dream on the Dream website, www.DreamFinancialLiteracy.com 
Affiliate is prohibited from publishing or otherwise distributing advertisements by telemarketing, fax, or text messaging in any form to any device. Affiliate shall not offer monetary incentives, such as rewards points, cash, or prizes to Prospects in return for their response to an advertisement. Affiliate may, however, offer Prospects information and materials of tangible value including, but not limited to, website templates, 
information about e-commerce, website design, and online marketing, for reduced or no charge, but only so long as Affiliate accurately describes and delivers such information and materials to the Prospect. Dream retains the sole and exclusive discretion to determine whether Affiliate’s advertising and conduct is in compliance with all laws. 
Disclosure. 
On any website that Affiliate advertises any Dream service or product, Affiliate must plainly display (i.e., not in a link, or in small font) disclaimer language, such as: 
a. Disclosure:  
I am an independent Dream Financial Literacy Affiliate, not an employee. I receive referral payments from Dream Financial Literacy. The opinions expressed here are my own and are not official statements of Dream Financial Literacy or its parent company, Universal Border Solutions Corporation. 
Non-Disparagement. 
Affiliate is not permitted to comment negatively about or disparage the products or services of Dream or any other person or entity, including without limitation the products or services of a Dream competitor. Affiliate is not permitted to engage in any unlawful or deceptive actions with respect to search engine optimization, including, but not limited to, using any technique that generates paid search results based on any trademarks of Dream Financial Literacy, any brand name of Dream Financial Literacy, or based on the trademarks or brand name of any competitor of Dream, or any other third party. Affiliate shall not direct link to a Dream’s sales page from any paid advertising. 
Social Media. 
If Affiliate advertises on Instagram or YouTube, then each post must comply with all of the following: 
Each post must contain @ Dream Financial Literacy or # Dream Financial Literacy.
Each post must contain #ad in a clear and conspicuous location before the text of the description and in all events before the “More” button. 
Each Instagram post must use Instagram’s “Paid Partnership” tool. 
Each YouTube post must contain the word “Ad,” “Advertisement,” “Promotion,” or “Paid Partnership” within the video itself in a font size that is clearly recognizable to the viewer and which appears persistently throughout the length of the video in the top right hand portion of the video. If Affiliate is advertising on other forms of written social media (e.g., Facebook, Twitter), Affiliate must comply with the above disclosure restrictions as applicable to each form of social media. Affiliate must also comply with all rules of each social media platform that Affiliate uses. 
Income and Business Opportunity Claims. 
Affiliates are expressly prohibited from making any claims that use of Dream Financial Literacy will guarantee that the user will make money. If Affiliate’s recruiting efforts include claims related to income Affiliate has made from using Dream or as an Affiliate, the following guidelines must be adhered to: 
(a) Affiliate’s statements must be completely true and accurate and supported by evidence of Affiliate’s experience; and 
(b) Affiliate’s statements must be accompanied by the following disclaimer in clear and conspicuous font and placement: “These were my results. Your results will vary based on a variety of factors including your education, effort, and market factors. There is no guarantee you will make any money.” 
Affiliate is also expressly prohibited from making any express or implied claims that Dream Financial Literacy is or provides a business opportunity, franchise opportunity, a “business-in-a-box,” or an assisted marketing plan. 
Dream Financial Literacy’s Trademarks.
No logo, tagline, trademark, trade name, or trade dress (collectively, the “Dream Financial Literacy Trademarks”) owned by Dream may be used, copied, or reproduced by any Affiliate except as set forth below. No Dream intellectual property (or any mark confusingly similar to any Dream intellectual property) is to be registered as a trademark in any country or registered as a domain name by Affiliate in any way in any country.  
Subject to the restrictions below, approved Affiliates are granted a limited, revocable, non-transferrable, and non-assignable license to use the “Universal Border Solutions ®” trademark, Registration No. 5,522,198, to advertise Dream online. Any time Affiliate uses the word “Universal Border Solutions” it must be immediately followed by “®”. Affiliate may not use “Universal Border Solutions” or other Universal Border Solutions trademarks (including those at this link, which may be updated from time to time) as part of any URL, domain or website name. 
Universal Border Solutions retains exclusive ownership of all Universal Border Solutions Trademarks and other intellectual property and all of its rights therein. Affiliate shall not promote or provide services to any other business or person that is infringing any of Universal Border Solutions intellectual property. 
Complaint Notification. 
Affiliate must notify Company of any complaint received by Affiliate regarding any advertisements within twenty-four (24) hours of receiving such complaint. Notice should be sent to info@universalbordersolutions.com 
Independent Contractor. 
Affiliates are independent contractors of Dream. It is the express understanding and intention of the Parties that no relationship of master and servant nor principal and agent shall exist between Dream and you by virtue of this Agreement. You have no right to act on behalf of or bind Dream in any way, nor share in the profits or losses of 
Dream. The only compensation available to you is set forth in this Agreement. You are solely and exclusively responsible and liable for all of your acts or omissions. 
NO WARRANTY; NO LEADS.  
Dream does not promise, guarantee or warrant your business success, income, or sales. You understand and acknowledge that Dream will not at any time provide sales leads or referrals to you. You understand and agree further that this is not a business opportunity, a franchise opportunity, a “business-in-a-box,” or an assisted marketing plan. You are responsible for procuring and paying for any and all materials and resources necessary to operate as an Affiliate as you determine in your sole discretion. 
LIMITATION OF LIABILITY. EXCEPT WHERE OTHERWISE INAPPLICABLE OR PROHIBITED BY LAW, IN NO EVENT SHALL DREAM FINANCIAL LITERACY OR ANY OF ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, INDEPENDENT CONTRACTORS, TELECOMMUNICATIONS PROVIDERS, AND/OR AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, CONSEQUENTIAL, PUNITIVE, OR ANY OTHER DAMAGES, FEES, COSTS OR CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT, THE PRIVACY POLICY, THE SERVICES OR PRODUCTS, YOUR OR A THIRD PARTY’S USE OR ATTEMPTED USE OF THE WEBSITE OR ANY SOFTWARE, SERVICE, OR PRODUCT, REGARDLESS OF WHETHER DREAM FINANCIAL LITERACY HAS HAD NOTICE OF THE POSSIBILITY OF SUCH DAMAGES, FEES, COSTS, OR CLAIMS. THIS INCLUDES, WITHOUT LIMITATION, ANY LOSS OF USE, LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, COST OF PROCUREMENT OF SUBSTITUTE SERVICES OR PRODUCTS, OR ANY OTHER INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR OTHER DAMAGES. THIS APPLIES REGARDLESS OF THE MANNER IN WHICH DAMAGES ARE ALLEGEDLY CAUSED, AND ON ANY THEORY OF LIABILITY, WHETHER FOR BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), WARRANTY, OR OTHERWISE.
IN NO EVENT SHALL DREAM FINANCIAL LITERACY’S LIABILITY TO YOU OR YOUR BUSINESS EXCEED THE AMOUNT OF THREE (3) TIMES THE PAYMENTS PAID BY YOU TO DREAM FINANCIAL LITERACY FOR THE MONTH PRECEDING THE DATE IN WHICH THE FACTS GIVING RISE TO A CLAIM AGAINST DREAM FINANCIAL LITERACY OCCURRED OR TWO-THOUSAND DOLLARS ($2,000), WHICHEVER IS GREATER. 
DISPUTE RESOLUTION BY MANDATORY BINDING ARBITRATION, CLASS ACTION WAIVER, & GOVERNING LAW. 
As explained in Dream’s Terms of Service, any controversy or claim arising out of or related to this Agreement or Your relationship with us that cannot be resolved through negotiation within 120 days shall be resolved by binding, confidential arbitration administered by the American Arbitration Association (“AAA”), and judgment on the award rendered may be entered in any court having jurisdiction thereof. The sections of the Terms of Service entitled “DISPUTE RESOLUTION BY MANDATORY BINDING ARBITRATION AND CLASS ACTION WAIVER,” “DREAM FINANCIAL LITERACY’ ADDITIONAL REMEDIES,” and “GOVERNING LAW AND VENUE” are expressly incorporated herein by reference. Please review the Terms of Service for more information. 
Indemnity. 
You agree to protect, defend, indemnify and hold harmless Dream Financial Literacy, its officers, directors, employees, owner(s), and parent company(ies) and assigns from and against all claims, demands, and causes of action of every kind and character without limitation arising out of your conduct, acts, or omissions related to your application and/or performance of this Agreement including, but not limited to, any breach of this Agreement. Your indemnity obligation includes, but is not limited to, any third-party claim against Dream Financial Literacy for liability or payments for damages caused by, or other liability relating to, you. This provision expressly survives the termination of this Agreement.
Severability. 
In the event any provision of this Agreement is inconsistent with or contrary to any applicable law, rule, or regulation, the provision shall be deemed to be modified to the extent required to comply with the law, rule, or regulation, and this Agreement and the Terms of Service, as so modified, shall continue in full force and effect. 
Modification/Amendments. 
This Agreement and Dream’s standard Terms of Service may be modified by Dream at any time, with or without prior notice to you. Amendments or modifications to this Agreement or the Terms of Service will be binding on you when they are sent to you via email or are posted in the affiliate center. No amendment to this Agreement or the Terms of Service shall be valid unless prepared or signed by Dream. Your continued acceptance of Commission payments constitutes your acceptance to any modifications or amendments to this Agreement and the Terms of Service. 
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