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User manual v1

  1. 1. Dicettera LLC
  2. 2. The UserManual 2
  3. 3. All rights reserved. Only legitimate members of Dicettera LLC are allowed todownload or print this manual, and they may only do so for bona fide Dicettera-business purposes. However, no part of this manual may be reproduced without written permission from Dicettera LLC @ 2011 Dicettera LLC 3
  4. 4. Table of ContentsPreface ………………………………………………………………………….......... 5Chapter 1: Business Commodity ……………………………………………….......... 7Chapter 2: Membership …………………………………………………………........ 13Chapter 3: Value Analysis ………………………….……………………………….... 21Chapter 4: Benefits ……………………………………………………………………. 25Chapter 5: Fees & Payment ……………………………………………………………. 31Chapter 6: Marketing ………………………………………………………………..... 35Chapter 7: Consumer Protection …………………………………………………….... 44 4
  5. 5. PrefaceThe name Dicettera (d-setra) was created from two concepts: digital and etcetera. Onlydigital reading material is offered, of a varied nature which reflects the origins of thename. The Dicettera model was inspired by the need for an exclusive website thatreviews and recommends eBooks to its members.Essentially, Dicettera LLC is an online eBook club; specializing in fiction and non-fiction eBooks. However, our vision is to expand our products to include electronictextbooks, magazines, journals, newspapers, documentaries and movies. Our eBooks areamong the most popular and useful in the market, and are available at the mostcompetitive online rates.Our membership plans are unique, but have been tested and proven to be prudentbargains. The plans were designed in compliance with evidence-based financialstandards, and are expected to generate attractive benefits.The transactions conducted in Dicettera are entirely electronic: from the creation of anaccount to the format for use of an eBook. Our eBooks are offered in PDF, but our visionis to offer an array of formats. Also, our eBooks may be used without downloading anyspecial electronic reading software. However, some eBooks may be published in a formatthat requires the download of free software. 5
  6. 6. Our eBooks may be used from any electronic reading device, such as a personalcomputer or mobile device.Our members engage in multiple types of discussions on our site, including eBookreviews and blogs. Members may also create or join various interest groups - such as thefans of a particular author or genre. In addition, our members use Facebook and Twitterto network and blog about our products.The vision of Dicettera LLC is to offer electronic books, periodicals and membershipplans to millions around the world. We hope to create a revolution in the eBook industry– providing unrivalled products, opportunities and benefits to our members. 6
  7. 7. Chapter 1 BusinessCommodity 7
  8. 8. The Business CommodityDicettera LLC specializes in the retail of fiction and non-fiction eBooks.Membership plans are offered by registered brokers of Dicettera LLC, and theregistration may be completed at The registration process is user-friendlyand is designed to ensure simplicity.Although the eBooks offered by Dicettera LLC are available for purchase from variouswebsites and stores across the United States, Dicettera is proud to be the only company tooffer consumers the option of purchasing eBooks in a highly engaging social-media site. 8
  9. 9. eBook FormatsCurrently, our eBooks are offered only in PDF format. However, we have plans toexpand to multiple formats in the near future. PDF eBooks may be used from multipleplatforms and have various benefits: Platforms: a. Windows Computer or Tablet PC b. Macintosh Computer c. Mobile and reading devices that are internet-enabled (except proprietary devices, such as the kindle) d. Pocket PC and Palm. (However, additional software may be required to use Palm). Benefits: a. Our PDF’s can be printed b. Easy to bookmark c. Easy to search d. Easy to highlight material. 9
  10. 10. About On-DemandWhat is it? “On-demand” is a collection of eBooks. Members may purchase any eBook from the collection at any time.How do I get access to the eBooks in the on-demand collection? a. The “on-demand” collection is on the left side of the homepage; click on either “fiction” or “non-fiction.” b. Click on any eBook of interest in the menu c. The purchase tab is at the bottom of each eBook page.What happens after an eBook is purchased? The eBook is deposited into “My Library.” My Library is located in the primary menu (Upper area of home-page).May I save the eBook? Once purchased, members are advised to save their eBooks on their computer or device. Generally, members may access an eBook in “My Library” from a maximum of 3 IP addresses; members are allowed a maximum of 90 days to download an eBook, and: members are allowed 10 downloads of a purchased eBook. However, some publishers may have unique DRM (Digital Rights Management) rules that may impact downloading factors. Be sure to read the DRM / downloading rules prior to making a purchase. 10
  11. 11. Find-it“Find-it” is an exciting dimension of our productWhat is Find-it?Find-it is a feature that accesses Google eBooks. This feature takes the user to the GoogleeBook-store where over 3 million eBooks may be read on the Web and other devices,such as; Android, iPhone, iPad, Sony and N2ook.How to access it? a. The tab is located in the collections area on the left side of the homepage b. Click “Find-it” c. Insert relevant access data d. Insert relevant search criteriaAvailability?Members have full-time access to the collection: 24 / 7, 365 days / year. Members areencouraged to refer to the Google site for a complete version of their terms andconditions.What type of eBooks are available in the collection?A wide variety of fiction and non-fiction eBooks.Google provides a user-friendly interface for searching through the millions of eBooks inits collection: one may search by Title / subject, author, ISBN #, or one may simplybrowse the collection under a genre of interest. 11
  12. 12. Why Consumers Use our Resources?1. Our eBooks are available at highly competitive rates. In some cases, members save 25% - 45% on purchases. The low cost is due to the fact that the product is an electronic one – a factor that reduces the production cost.2. Using our eBooks is easy. The eBooks are presented in a simple interactive interface, and may be accessed with minimal navigation.3. Our product is environmentally friendly. The fact that our product is electronic promotes less use of paper. The reduction in the use of paper ultimately leads to a reduction in the “cutting of trees.”4. It’s convenient to use our eBooks: members may browse, buy, read and store their eBooks without having to leave the comfort of their home. eBooks have been found to be highly appealing to a large cross section of the population: a. Professionals and business people who want to keep texts on their PC’s b. Educators who refer to eBooks from their laptop during meetings or classes. c. Owners of PDAs and smart phones who want to read on the move d. Students and researchers who want to be able to search hundreds of pages of a book in seconds. e. People who can’t wait a few days for physical delivery. f. Residents of isolated communities who want instant access to reading material. 12
  13. 13. Chapter 2Membership 13
  14. 14. Membership PlansThe Rover Membership Plan Designed for individuals who would only like to purchase eBooks occasionally, the Rover Member has access to the On-demand and Find-it collections. The Rover Member is not allowed to make referrals, and as such, is not eligible to receive financial benefits.The Referral-Broker Plan The Referral Broker Plan is designed for individuals who would like to make referrals, as well as purchase eBooks occasionally. Referral Brokers are eligible to receive financial benefits and have access to the on-demand and Find-it collections. 14
  15. 15. The Rover MembershipThe following table highlights the main components of the Rover Membership Plan: Particulars Expectation Comments Required to pay an application fee? No Only brokers are required to pay an application Fee Required to pay monthly fees? No Rover-Members only pay when an eBook is purchased Eligible to receive monthly No Only brokers are eligible to commissions? receive a monthly commission Required to pay an annual renewal No There are no annual fees in fee? Dicettera! Required to view the business Yes The business presentation provides presentation? critical information about the expectations of your membership. 15
  16. 16. The Referral Broker PlanThe following table highlights the main components of the Referral Broker Plan: Particulars Expectation Comments Required to pay the registration fee? Yes $100 Required to pay monthly fees? Yes $29.95 Eligible to receive monthly Yes Commissions are paid for commissions? purchases made by the referrals of the broker. Regarded as an independent Yes Brokers are not employees of contractor? Dicettera LLC; they are independent contractors. Must have a college degree or a high No One is not required to have any school diploma? formal education to become a broker. Required to pay an annual renewal No There are no annual fees to be fee? paid! Required to make referrals? No Brokers are encouraged, but not required, to make referrals Required to resign from “day job”? No Brokers are not required, or encouraged, to resign from any job 16
  17. 17. Membership Plans – An OverviewThe following table presents an overview of the membership plans: The Access Referral Monthly Application Options Privileges Fees FeesThe Rover a. On-Demand None $0 NoneMembership b. Find-it PlanThe Referral a. On-Demand Full $29.95 $100 Broker b. Find-it Plan 17
  18. 18. About Referral BrokeringReferral Brokers conduct 2 main activities: 1. Make Referrals Brokers are encouraged, but not required, to make referrals: a. Invite a prospective member(s) to a business meeting. b. During the business meeting, allow the prospective member(s) to view the automated business presentation on the website. c. Encourage prospective member to register. 2. Customer Support Brokers are the designated customer service representative for their referrals. The services are based on need, as requested by the referral, but may include: a. Technical support in relation to: i. Purchase and use of eBooks ii. Conducting business / personal transactions on the website. b. Making changes in an account i. Personal information ii. Financial Information c. Any customer service request 18
  19. 19. How to Become a Member?Step 1: The Invitation The prospective member is invited to a business presentation. The invitation is extended by the affiliate broker, and the meeting may be conducted at any location and time agreed upon by both parties. However, in cases where face-to- face contact is not possible, the affiliate broker may email a link to the business presentation. But affiliate brokers should be mindful that the email option is less effective than the face-to-face option.Step 2: The Business Presentation: The 3-part business presentation is designed to introduce the prospective member to the Dicettera business model.Step 3: Registration Registration is designed to be a short and simple process. Usually, the process is completed within 1-2 minutes. Registration is required of everyone interested in becoming a Rover Member or Referral Broker. (Refer to instructions on using the registration-link below). Dicettera LLC offers a 10-day money-back guarantee to its brokers. Essentially, the guarantee allows brokers to engage in full-fledged referral brokering, with the assurance that a refund of the registration fee will be made – upon request. 19
  20. 20. The Registration LinkThe “Registration Link” is a cookie-tracking feature used by Dicettera to identify theaffiliate broker responsible for the registration of new members. It is extremelyimportant for brokers to be aware of the feature, and to know how it works. Thisfeature ensures that affiliate brokers are duly compensated for the purchases of theirreferrals. If a new member fails to use the registration link, our system would be unableto identify the affiliate broker who was responsible for the registration. As such, theaffiliate broker would not be compensated for the purchases of that new member.How to Use the Registration Link: 1. Copy the unique registration-domain-code from the task bar in “My Account.” a. Go to the homepage and click “My Account” b. Click “My Registration Code” c. The unique registration-domain-code will appear in the task bar at the top of the screen. d. Highlight and copy the link. 2. Paste the registration domain code in an email to the recipient. Inform the recipient of the need to use the registration-link when registering, as it has implications for the subsequent payment of commissions and bonuses. 20
  21. 21. Chapter 3 ValueAnalysis 21
  22. 22. The Dicettera Model vs. a Regular JobThe following is a comparison of the 2 models: Particulars Regular Job The Dicettera Model Application Required to apply, and Required to register vs. positions are highly Registration competitive Is it designed for the Yes Yesemployee or broker to earn an income? No Yes Are the hours flexible? Usually required to work 40 Brokers decide their hours per week: schedule, as well as the 9:00 – 5:00 number of hours they work 22
  23. 23. The Dicettera Model vs. Regular RetirementThe Dicettera Model is not a retirement plan, and is not intended to function as aretirement plan. Therefore, brokers should not use Dicettera as a substitute for aretirement plan. However, brokers are eligible to receive financial benefits, relative totheir account, until death – thereby providing the potential for a monthly income duringthe retirement years. The following is a comparison of a regular retirement plan and aDicettera broker plan: Particulars Regular Retirement Plan The Dicettera Plan Designed to providefinancial security during the Yes Yes retirement years? Is one required to be a Yes No certain age before (usually 65) retirement? Cost of monthly Usually between $29.95 premiums $100 - $450 Limitation on the amount Yes No one may earn during (A retirement plan is (An individual may earn as retirement usually designed to make a much as $3,000 monthly, or maximum contribution to a more, during the retirement retiree - such as $2,500.) years. 23
  24. 24. An Investment Analysis of the Plans The following table presents a10-year projection for an affiliate broker: Type of Plan Monthly 10-Year Referral 10-Year Projected Premium Investment Account BenefitsReferral-Broker 100 Rover Relative to Plan $29.95 $3,594 Members sales (Scenario A)Referral-Broker Plan $29.95 $3,594 100 Referral $186,000 - $198,000 (Scenario B) Brokers 24
  25. 25. Chapter 4Benefits 25
  26. 26. BenefitsThe Referral Commission This commission is paid to an affiliate every time a broker, who was referred by the affiliate, submits monthly broker fees. The commission is issued for Customer Support. Affiliate Brokers are expected to give customer support to every referral in their account – on an as needed basis. This commission is $15 per payment.The Broker Registration Bonus This bonus is issued to affiliate brokers, as a reward for the successful registration of a referral broker. This bonus is $60 per referral broker.The On-Demand Commission This commission is paid to affiliate brokers for purchases made by their referrals from the On-Demand collection. This commission is 10% of the purchase. 26
  27. 27. Overview of Benefits Product Transaction Type Benefit Frequency Unit Amount of Benefit Amount Broker $29.95 Commission $15 Monthly per brokerMonthly Fee Broker $100 Bonus $60 Once per brokerRegistration FeeOn-Demand As Advertised Commission 10% Once per purchase Purchase 27
  28. 28. The Payment ScheduleCommission and Bonus payments are disbursed on the 15th day of every month.Payments are made for the commission and bonuses received in the previous month.However, in the event that the 15th is on a weekend, or United States holiday, thepayment will be disbursed between the 16th and 18th.Brokers are required to have a valid PayPal account in order to receive payments.Failure to have or maintain a valid PayPal account will result in the forfeiture of financialbenefits. Dicettera LLC does not make retroactive payments to brokers for pastbenefits. Therefore, if a PayPal account was invalid at the time of payment, any benefitsthat should have been paid to the broker would be forfeited. 28
  29. 29. Benefits of Referral Brokering1. Be Your Own Boss / Create Your Own ScheduleAs an independent contractor you can work whenever you like. The internet nevercloses - giving you the opportunity to work any time, 24/7. There is no greaterfeeling than being able to say that you work for yourself. You can take yourbusiness in whatever direction you choose, while going at your own pace. Andyou can do so from the comfort of your very own home.2. Work Wherever You WantNot only can you create your own schedule, but there is nothing stopping youfrom picking up your things and moving to Miami today. It also makes itconvenient to take extra-long vacations, assuming the place you stay has internetconnection.3. Great BenefitsBrokers may earn a substantial monthly income by engaging in the business ofDicettera. The monthly earnings are based on the amount of time one invests inthe business, and also on the level of success experienced. 29
  30. 30. Core Competencies of DicetteraCore Competence # 1: Financial Rewards The commissions and bonuses offered by Dicettera are attractive and are awarded on a monthly basis.Core Competence # 2: The 10-day Money Back Guarantee During the 10-day Money back Guarantee brokers may enjoy all the privileges of brokering – with the assurance that they will be given a prompt refund of their registration fee, once requested.Core Competence # 3: Timely Payment of Benefits Dicettera uses an effective payment system, designed to ensure that brokers are paid on a monthly basis.Core Competence # 4: An Effective Marketing Model Our marketing model is based on a unique and highly effective strategy. It is designed to offer maximum benefits to members – based on a simple and customer-friendly approach.Core Competence # 5: A Unique Product Our combined business-product is unique – no other organization offers precisely the same product. 30
  31. 31. Chapter 5 Fees &Payment 31
  32. 32. Registration Fees The following table highlights expectations in relation to registration fees. Type of Plan Application Due Date Frequency Fee Rover Membership $0 N/A N/A Referral Broker $100 With Once Registration Monthly Fees The following table highlights expectations in relation to monthly fees. Type of Monthly Due Date: Due Date: Frequency Membership Fees First Payment Regular PaymentRover Membership $0 N/A N/A N/A Last day of the Last day of the Monthly Referral Broker $29.95 registration month month 32
  33. 33. The 10-day Money Back GuaranteeDicettera LLC offers every broker a 10-day money back guarantee. The guarantee allowsbrokers to enjoy all the privileges of brokering – with the assurance that a refund of theregistration fee will be given, if requested.The 10-day guarantee is one of many initiatives that is designed to promote customersatisfaction. 33
  34. 34. Receiving and Making PaymentsHow to make payments to Dicettera?PayPal is the only method of making payments to Dicettera at this time, as PayPalfacilitates a convenient method of passing commission payments onto the designatedaffiliate broker.Setting-up a PayPal account is fairly quick and simple. A PayPal account may be createdin 2 minutes. Also, members have the option of using a credit/debit card to make apayment through PayPal.We hope to have the capability to accept other forms of payment in the near future.How to receive payments?Brokers are required to have a PayPal account in order to receive payments fromDicettera. Creating a PayPal account is free; however PayPal charges a minimal fee foreach payment transaction. Please refer to PayPal for more information on charges( with an invalid PayPal account will forfeit all due benefits – until theaccount becomes valid. Also, benefits are not awarded retroactively. Therefore, if abenefit has been forfeited, the broker may no longer receive that benefit. 34
  35. 35. Chapter 6Marketing 35
  36. 36. The Marketing ModelThe following are the major tenets of the Dicettera Marketing Model: 1. Marketing Strategy Our strategy is based on the “Direct Marketing" approach. Direct marketing is characterized by face-to-face contact with a prospective buyer / member. 2. Personnel The marketing of our product is conducted by registered brokers. Brokers are independent contractors, and are compensated based on successful transactions. 3. Method Business meetings are used as the forum to conduct referrals. Prospective members are invited to business meetings; are allowed to view the business presentation, and; are encouraged to register. 4. Compensation Brokers are compensated every time a successful referral is made; monthly fees are submitted by a referral, or; an eBook is purchased in the On-Demand collection. 5. Tier System While most affiliate marketing companies use the multi-tier system, Dicettera uses the single tier compensation system. Therefore, only the affiliate broker receives commissions and bonuses for the purchases of a referral in Dicettera. The single tier system is a reputable and sustainable business model. 36
  37. 37. Dicettera Model vs. Traditional MarketingThe following table highlights similarities and differences between the marketing models: Traditional Marketing Models The Dicettera Model Financial benefits are awarded to Financial benefits are awarded to brokers members for the sale of products for successful transactions Agents are given a basic salary Brokers are not given a basic salary Agents are full-time employees Brokers are independent contractors Agents are required to work full time: Brokers are not required to use any usually 8:00 am – 5:00 pm schedule Agents are required to have a 12th grade Brokers are not required to have any education and beyond. minimum education requirements. 37
  38. 38. Dicettera Model vs. Multi-Level Marketing (MLM)The following table highlights the essential differences between the marketing models: Multi-Level Marketing The Dicettera Model Based on the Multi-Tier approach Based on the Single-Tier approach Multiple agents at the top of one’s Only the affiliate broker gets anetwork receive commissions for the sales commission from the purchases / payments made by an agent of a member Products are not always available Our products are available 24/7 Products are expensive Products are inexpensiveAgents are required to purchase products Brokers are not required to purchase in bulk, for retail purposes anything in bulk. Monthly benefits usually decrease when Monthly benefits would usually plateau, new sales are not conducted when new referrals are not conducted Agents move up a stratification system, There is no stratification system in for selling a large quantity of products – Dicettera such as director, associate, etc. 38
  39. 39. Dicettera Model vs. Pyramid Network MarketingThe following table highlights the essential differences between the models: Pyramid Network Marketing The Dicettera ModelThere are no real products or services for Dicettera LLC sells fiction and non- sale fiction eBooks.Most companies are not legally registered Dicettera LLC is a legally registered company in Maryland, USA Several agents may exist in an up-line Members do not have an up-line The pyramid structure ‘collapses’ after a The structure remains stable regardless of significantly large number of agents are the numbers. registered There are high registration fees The registration fee for brokers is only $100 Marketing agents are required to pay There are no annual renewal fees annual renewal feesAgents are promoted to higher levels based Brokers are not promoted. There is no on the volume of sales promotion structure in Dicettera. 39
  40. 40. Dicettera Model vs. Ponzi SchemesThe following table highlights the essential differences between the models: Ponzi Scheme The Dicettera Model Consumers are investors Consumers are members / brokers Investors supposedly make money from Brokers earn money by making referralsinvestments given to the investors – after a and providing customer service to their period of time referrals. Investors are told that their monthly Monthly fees are not invested. Once premiums are being invested submitted the fees become the income of Dicettera “New Investments” are used to pay “old Brokers receive a commission – not investors” returns from investments The expenditure obligations are higher The expenditure obligations are lower than than the income potential the income potential The scheme ‘collapses’ after a large The structure remains stable regardless of number of investors the numbers. 40
  41. 41. Referral Brokering 201Tip # 1: Use a Time Management ModelThe following are the most frequently used time management options: a. Full time b. Part-time c. Seasonal d. One-Time e. SporadicTip # 2: Make a ScheduleYour schedule is based on your time management model. For example: Tuesdays andThursdays: 7:30 p.m. – 8:30 p.m.., and Sundays: 5:30 p.m. – 6:30 p.m. Brokers spendmost of their time hosting business presentations. The business presentation isapproximately 20 minutes.Tip # 3 – Use InvitationsInvitations to business meetings may be extended through email, over the phone or face-to-face. (While brokers are encouraged to use business meetings, brokers may also emaila link of the business presentation to their target audience. But be mindful that the mosteffective method of marketing is the direct approach: face-to-face contact in a businessmeeting). 41
  42. 42. Tip # 4: Make Invitations BriefWhen extending an invitation to a business meeting, be very brief. Do not share anyinformation about the content of the presentation. Avoid using certain words that maycause the invitee to develop a bias for the presentation, such as; salesman, selling plans ornetwork marketing.Tip # 5: Be Excited & Use Appealing LanguageBe excited about the offer – excitement is contagious. Your language says a lot abouthow you feel, in relation to what you’re saying.Tip # 6: Use GroupsThe benefit of using groups is that it saves time. The size of the group should be based onyour accommodation facilities. 42
  43. 43. The Business PresentationThe following is an overview of the business presentation: Agenda Item # Particulars Time Frame 1 The Business Presentation: Part1 – The 7 mins. Product 2 The Business Presentation: Part 2 – The 6 mins. Membership Plans 3 The Business Presentation: Part 3 – 7 mins. BenefitsThe Business Presentation is automated, and is available on Brokers aresimply a host during the presentation, and should be available to answer any questionsthat the invitees may have about the business model. 43
  44. 44. Chapter 7ConsumerProtection 44
  45. 45. The PolicyDicettera understands that the satisfaction of its members is the driving force for itssuccess, as our products are sold upon the recommendation of our members. Therefore,we are committed to the satisfaction of our members.Dicettera uses multiple strategic measures to enhance the capacity for consumersatisfaction. Among the measures include multiple options for submitting questions andthe establishment of an excellent complaints redress system. The measures are customerfriendly, and are designed to bring about desired results in a time-sensitive manner. 45
  46. 46. Terms & Conditions for the use of Electronic Resources I. Introduction The terms and conditions outlined below provide the legal expectations and framework for the use of eBooks on the website, as well as the general expectations in relation to the use of the website. The eBooks offered on the Dicettera website are governed by license and contract agreements. Each license or contract contains strict guidelines for the use of resources, and it is the responsibility of the user to be familiar with these terms and conditions. II. Copyright Dicettera LLC does not permit the illegal downloading and/or sharing of copyrighted material in any form or manner. Electronic resources are copyrighted and are subject to all applicable copyright and database protection rights under the laws of the United States and other countries. All utilizations of these products including downloading, printing or creating copies of content from these resources must be consistent with existing "fair use" law as defined by the copyright law of the United States (Title 17, U.S. Code) or international law. III. License Agreements/Contracts The contract for each eBook details permissions and restrictions on use. Minimum restrictions include, but are not limited to: a. Authorized Users are solely members or personnel / employees of Dicettera. b. Use of the resource should be for the purposes of private research or study only. c. Alteration, abridgement, adaptation or modification of the licensed material is prohibited, except to the extent necessary to make it perceptible on a reading device or as otherwise permitted in the agreement. d. Authorized users may download, store on a PC (or other storage device), or print single copies of documents from the resource for 46
  47. 47. his/her own non-commercial use, provided user maintains all copyright and other notices contained in such material. e. Systematic or programmatic downloading (e.g., the use of automated "robots" and net accelerators or otherwise downloading or attempting to download in a short period of time large amounts of the subscribed content) is prohibited. f. Systematic making of print or electronic copies for distribution to non- members or non-subscribing institutions is prohibited. g. Members may not use any of the licensed material for commercial use (unless permission is granted by the copyright holder). h. Mounting or distributing any part of the licensed material on any electronic network, including the Internet and the World Wide Web, is prohibited. Licenses and contracts for the retail of eBooks may be terminated immediately, at the discretion of individual publishers, if the terms and conditions are violated by brokers and members of Dicettera.IV. Loss of Privileges Violators of Dicettera’s “Terms & Conditions” will have their membership access suspended and be subject to other legal / civil measures. Violations may also result in blocked access to other features on the Dicettera website, and may be denied other privileges that are associated with a membership.V. Refunds After purchasing an eBook or other resource from Dicettera LLC, it is the members responsibility to determine that the resource is available for use. Due to the nature of the product, once an eBook has been purchased, a refund cannot be given for it. However, Dicettera LLC will seek to ensure that any problem encountered during the purchase process is resolved swiftly. Also, once an eBook is purchased, it cannot be exchanged for another eBook.VI. Indemnification The member agrees to defend, indemnify and hold harmless Dicettera LLC and its affiliates and their respective directors, officers, employees and agents from and against any and all claims, actions, demands, damages, costs, liabilities, losses and expenses (including reasonable attorneys fees) arising out of use of the site. 47
  48. 48. VII. Changed Terms Dicettera LLC has the right at any time to change or modify these Terms & Conditions applicable to use of the site, or any part thereof, or to impose new conditions. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by any means including, without limitation, posting on the site, or by electronic or conventional mail, or by any other means. Any use of the site by a member after such notice shall be deemed to constitute acceptance of such changes, modifications, additions or deletions.VIII. Miscellaneous These Terms & Conditions shall be construed in accordance with the laws of the State of Maryland, without regard to its conflict of laws rules. The section headings used herein are for convenience only and shall not be given any legal import. 48
  49. 49. Terms & Conditions for Referral BrokersI. Introduction The terms and conditions outlined below provide the legal expectations and framework for the business relationship between Referral brokers and Dicettera LLC. Brokers are not employees of Dicettera LLC; they are independent contractors. As such, brokers are not entitled to “employee benefits,” including; annual vacation, sick leave, traveling allowances and maternity leave. Brokers agree to comply with all applicable state / country tax laws, and agree to make tax payments with respect to income earned from referral brokering activities.II. Code of Conduct The following values are the “Pillar Principles” of Dicettera: a. Integrity & Honesty b. Respect & Courtesy c. Justice & Fairness d. Transparency & Accountability Referral Brokers are expected to act in a manner that is consistent with the Pillar Principles of Dicettera, when transacting the business of referral brokering. Likewise, Referral Brokers may also expect to be treated in a manner that is consistent with the Pillar Principles, when interacting with the personnel of Dicettera.III. Company Obligations a. Dicettera is expected to: a. Conduct business in an ethical, timely and professional manner b. Provide adequate information to brokers, in order to manage business activities efficiently c. Compensate brokers in accordance with the approved benefit plan d. Comply with all industrial and civil laws governing the practices of a legal business entity e. Administer its policies fairly, without prejudice or favor, to protect the interest of all brokers 49
  50. 50. b. Dicettera will not: i. Guarantee success ii. Tolerate brokers pressuring prospects into purchasing products or becoming a registered member of Dicettera. iii. Allow misleading product claims to be made in any form iv. Terminate brokers without due processIV. Broker Obligations a. Brokers are expected to: i. Conduct the business of referral brokering in an ethical and professional manner ii. Represent the benefit plan only as specified by Dicettera. iii. Comply with applicable consumer protection laws and regulations a. Brokers will not: i. Engage in deceptive, unlawful, or unethical business or recruiting practices ii. Engage in high pressure selling or recruiting practices iii. Make misleading sales claims or guarantees concerning the company or its products iv. Sell membership plans to minors or persons who are not capable of making an informed decision v. Disparage, demean, or make negative remarks about Dicettera, its affiliates or its personnel vi. Seek in any way to violate or circumvent Dicettera’s policy, whether in spirit or deedV. Application Matters a. Application Requirements i. Applicants must be at least 18 years old and authorized to work in their state of residence ii. Applicants warrant that they understand the Dicettera business model and benefit plan b. Application Processing i. Dicettera reserves the right to accept or reject any applicant and is under no obligation to offer any reason for rejection ii. The applicant, assisted by his/her affiliate, is solely responsible for the completion of the electronic application 50
  51. 51. c. Falsified Registration i. Submitting an application on behalf of an individual without that individual’s permission and bona fide signature is illegal and strictly prohibited. ii. Submitting or encouraging someone to submit false or invalid information on an application is also illegal and strictly prohibited. iii. A person who submits false information on their application, or encourages someone to do so, will have their account terminated and will lose all rights and privileges of a referral brokerVI. Changing an Affiliate Broker To protect the integrity of our protocols, Dicettera discourages and rarely authorizes the change of an affiliate broker. Members or brokers wishing to change affiliates have the option of canceling their current membership and reapplying as a new member or broker with the affiliate of their choosing.VII. Beneficiaries In the event of death, the heirs or successors of a broker shall not be entitled to any financial benefits, associated with referral brokering.VIII. Affiliate Rights and Responsibilities a. Affiliates are responsible for ensuring that prospective members have viewed the Business Presentation b. Affiliates must emphasize that success in the company’s affiliate marketing program will vary from affiliate to affiliate, and will depend on personal efforts c. Affiliates will refrain from mentioning competitor brands in a negative, disparaging or otherwise illegal mannerIX. Cancellation / Termination a. Voluntary Cancellation Brokers may cancel their membership at any time with a signed and dated letter indicating their intent to discontinue as a member. Cancelled accounts shall not be reinstated with their original benefits under any circumstance. 51
  52. 52. b. Involuntary Termination Dicettera may terminate a member’s privileges, if any provision of the terms and conditions is violatedX. Non-Payment Dicettera reserves the right to with-hold future commission / bonus payments to a Broker, in the event that the broker has failed to make due payments to DicetteraXI. Compensation a. Monthly commission and bonus payments are submitted on the 15th day of every month. In the event that the 15th falls on a weekend or United States holiday, the payment will be disbursed between the 16th and 18th . b. If a broker finds any discrepancies with respect to commission and bonus payments, the discrepancy must be reported to Dicettera within 15 days. Failure to report the discrepancy within the timeframe will result in forfeiture of any due benefits. c. Payments will be made for amounts equal to or exceeding $15. If a broker’s net earnings do not equal or exceed this amount, the commissions and bonuses will be accrued until they reach the minimum amount for a payment to be disbursed.XII. Advertising a. To protect person-to-person marketing efforts, Dicettera retains the discretion to restrict its products from being advertised at any location which it does not deem acceptable b. Brokers may not charge any for-profit fee for any services, trainings, literature, materials, or other company-related material c. Mass-medium marketing is not authorized and any requests for such projects will be denied. Examples of this type of marketing include radio and television appearances or infomercials or commercials, billboards and/or online feeds. d. Dicettera maintains a zero-tolerance policy regarding any spamming activity by brokers. Spamming is the sending of electronic or other messages in an attempt to force information upon others who have not specifically expressed a desire or granted an approval to receive said information, regardless of whether or not a signature is included in the message. 52
  53. 53. e. Dicettera does not permit brokers to send unsolicited emails unless such strictly comply with applicable laws and regulations including, without limitation, the federal Can Spam Act, and must comply with the following: i. There must be a notice in the email that advises the recipient that he/she may reply to the email, via the functioning return email address. ii. The email must clearly state that the message is an advertisement or solicitationXIII. Disciplinary Measures Any violation of the terms and conditions may result, at the Discretion of Dicettera, in one of more of the following measures: a. Issuance of a written warning b. Imposition of a fine to be withheld from future commission or bonus payments c. Suspension or termination of membershipXIV. Indemnity Brokers shall hold Dicettera harmless for any claims, damages, or liabilities arising from the broker’s misrepresentation, negligence or failure to comply with the terms and conditions of referral brokeringXV. Amendments Dicettera reserves the right to make amendments to these terms and conditions, as well as its business model and products. However, Dicettera is obligated to provide a 45-day notice period before any such amendments may take effect.XVI. Policy Enforcement If any provision in these terms and conditions is found to be invalid, illegal or unenforceable for any reason, Dicettera may amend or delete that provision. The amendment or deletion of any clause or provision will not affect the remaining clauses and provisions, which will remain in full force and effect.XVII. Arbitration Any claim, dispute or other difference shall be exclusively resolved by binding arbitration administered by the American Arbitration Association pursuant to its Commercial Arbitration Rules. Brokers waive their right to trial by jury or to any court. All arbitration proceedings shall be held in the city of 53
  54. 54. Baltimore, Maryland, unless the laws of the state or territory in which thebroker resides expressly require the application of its laws, in which case thearbitration shall be held in accordance with those laws.Each party to the arbitration shall be responsible for its own costs andexpenses of arbitration, including legal and filing fees. The decision of thearbitrator shall be final and binding on the parties. 54
  55. 55. Consumer ComplaintsConsumers are encouraged to report complaints promptly. Dicettera acts expeditiously toresolve every complaint. In the unlikely event that a consumer believes his/her compliantwas not addressed fairly by Dicettera, the consumer is advised to report the matter to thedesignated industrial agency.The following steps are presented as a guide for lodging consumer complaints: Step 1: Contact Dicettera to report the complaint. Our agents are authorized to address customer complaints. Step 2: If a consumer is dissatisfied with the decision of a Dicettera agent, the consumer is advised to request a supervisor immediately. Our agents are required to make a supervisor available to a consumer, upon request – without any further queries. Step 3: If a consumer is dissatisfied with the decision of the supervisor, the consumer is advised to submit a letter with details of the problem. The letter will be reviewed by the consumer complaints committee at Dicettera and endorsed by the Vice President for Consumer satisfaction. The committee is required to address the compliant within 10 days. 55
  56. 56. Step 4:If a consumer is still dissatisfied with the decision of the complaintscommittee, the consumer is advised to submit a “Complaint Notice” to theBBB Online ( BBB (Better Business Bureau) online is an industrial agency and is duty-bound to conduct an independent and objective investigation of the complaint.The process will be conducted at no cost to the consumer.It is the policy of Dicettera LLC to comply with the decisions of theindustrial agency. 56
  57. 57. FAQsThe following are some of the Frequently Asked Questions (FAQs) that we receive:1. What is the difference between an affiliate and a referral? Answer: The affiliate sold a membership plan, and; the plan was bought by a referral.2. I found out about Dicettera on Facebook. How do I find an affiliate broker? Answer: Post a request on our wall for anyone interested in being your affiliate broker. Usually you will have multiple interests within 24 hours.3. I just bought an eBook, where do I find it? Answer: Anytime an eBook is purchased it is sent to "My Library."4. Where could I find information about the commissions that Ive earned? Answer: Go to "My Account," and; click "Affiliate Center."5. May I save a purchased eBook? Answer: Yes. Once purchased, members are advised to save their eBooks on their computer or device. Members may access an eBook in "My Library" from a maximum of 3 IP addresses. Also, members are allowed a maximum of 90 days and 10 opportunities to download an eBook from "My Library."6. What forms of payment are accepted by Dicettera? Answer: All payments to Dicettera are processed through PayPal, and as such, members may use funds in their PayPal account to make payments. However, members may also use a debit or credit card to make the payment.7. Am I required to pay an Application Fee? Answer: Only brokers are required to pay the $100 application fee. 57
  58. 58. 8. Am I required to pay monthly fees? Answer: Rover Members do not pay monthly fees. However, Referral Brokers are required to pay a monthly fee of $29.95.9. Am I eligible to receive financial benefits? Answer: Only brokers are eligible to receive financial benefits.10. Am I required to pay an annual renewal fee? Answer: There are no annual renewal fees in Dicettera.11. I am a broker. Does that mean I am an employee of Dicettera? Answer: Brokers are not employees. They are independent contractors.12. Should I resign from my job to be a broker? Answer: No. Brokers are not advised, or encouraged, to resign from any job.13. What level of education is required of a broker? Answer: Brokers are not required to have any formal education. However, basic literacy and computer proficiency are expected.14. How many hours am I required to work as a broker? Are the hours flexible? Answer: Absolutely, the hours are flexible. In fact, brokers are the ones that determine how many hours they work, and when they work.15. May I use Dicettera as a retirement plan? Answer: Our membership plans are not intended to be a substitute for a retirement plan, and as such, members are advised not to use it as such. However, brokers are eligible to receive financial benefits until death. Therefore, the earnings from Dicettera may serve to supplement income during the retirement years. 58
  59. 59. 16. When could I expect to receive my commissions and bonuses? Answer: Commissions and bonus payments are disbursed on the 15th day of every month. However, in the event that the 15th falls on a weekend or United States Holiday, the payment may be disbursed between the 16th and 18th. Payments are made for commissions and bonuses earned in the previous month. Brokers are required to have a valid PayPal account in order to receive payments. Failure to have a valid PayPal account will result in the forfeiture of financial benefits. Dicettera LLC does not make retroactive payments to brokers for past benefits. Therefore, if a PayPal account was invalid at the time of payment, any benefits that should have been paid to the broker would be forfeited. 59
  60. 60. The End 60