Broker/Independent Contractor Registration

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Terms And Conditions
This Agreement is made between Apply For Relief ("AFR") and the registering Broker/Independent Contract ("RFA")


1)	Employment: This Agreement does not constitute a hiring by either party. The Parties hereto are, and still remain Independent Contractor bound by the provisions hereof. RFA acknowledges that for all purposes, including without limitation, the payment of all Federal, State and local income taxes, Payroll taxes, Workers Compensation, fringe benefits, retirement plans, and for all other purposes, RFA will be treated as an Independent Contractor and Company will not withhold any Federal, State or Local taxes from the remuneration to be paid to RFA because RFA is not an employee of Company. RFA shall bear sole responsibility for arranging for payment of all Federal, State and Local taxes.

2)	Description of the Program: The purpose of this Agreement is to permit RFA to offer lender access to members and non-members of the AFR and its affiliated lenders, and other applicable resources through an on-line application portal.

3)	Expenses and Costs of the Program: AFR will provide back end application intake, packaging, and loan processing services to RFA’s applicants. RFA acknowledges that they have more than one membership option, they are as follows: Relief Funding Agent (A 100% Free membership), or Relief Funding Agent PLUS/Operator (A $99/mo plan). There is no commitment, and the by signing below the RFA understands that they have on their own decision, selected the membership they wish to participate in knowing full well the cost of the program they have elected to register with.

4)	Marketing and Publicity to promote RFA membership: RFA has permission to publicize business relationship with AFR. Similarly, RFA has permission to publicize business relationship with RFA as references and for marketing purposes.

5)	Compensation to RFA: As an RFA, Apply For Relief will pay RFA the following compensation:

a.	50% of the net fees generated through loans closed, earned by AFR, that were originated by the RFA, paid within 48 hours once an invoice received from the RFA and cleared funds are available & bank to bank payment which typically takes 3 days to process. RFA can requested to expedite receipt of payment for $10 bank fee.
b.	Recruitment Compensation Plan as outlined in Exhibit A within this agreement (available only to those who register as a RFA Plus/Operator and have maintained their $99/mo Desk Fee to AFR.

6)	Termination: This agreement shall automatically be terminated upon the occurrence of any one of the following events:
a.	Any of the following occurrences during any of AFRs educational or training calls, which are held puiblicly for AFR’s and the General Public [depending on the webinar]:
i.	Solicitation without authorization from AFR to RFA for any product, service, or other offering.
ii.	Use of foul, crass, or rude language
iii.	Disruption of business or discussion [AFR holds the right to determine the definition of ‘disruption’]
iv.	Commingling of businesses [except those which AFR has encouraged or welcomed]
b.	Occurrence of fraud by the RFA: Should AFR discover an instance of RFA knowingly and purposely committing fraud, RFA agrees that all commissions owed by AFR to RFA are forfeited.
i.	 WITH CAUSE: If the RFA willfully breaches or habitually neglects the duties required to be performed under the terms of this agreement, AFR may, at AFR’s option, terminate this agreement by giving notice of termination to RFA without prejudice to any other remedy to which AFR may be entitled to either at law, in equity, or under this agreement. 
ii.	WITHOUT CAUSE: This agreement may be terminated without cause, by either party, by any notification. Termination by RFA may be in writing and addressed to Apply For Relief, 20 West Vine Street #575 Lansdale, PA 19446, or by confirmed email to agentsupport@localreliefagents.com. In the event RFA separates from the AFR, RFA agrees to not take with them clients that were acquired from the AFR database.
c.	RFA attempts to circumvent Company’s processes and procedures, and submit files directly to any lenders in Company database for the purposes of negating paying Company fees or receiving a higher commission, RFA will be immediately terminated and all fees due to the “RFA” shall be forfeited to the company. 
d.	Loss of legal capacity by RFA:  Commissions due to “RFA” may be assigned to family members.
e.	Death of the RFA: In the event the registered RFA is deceased, commissions due to the deceased RFA may be assigned to family members.  

7)	Non-Disclose: The RFA hereby agrees that they will not disclose, will not circumvent, and will hold in confidence the names of any banks, lending institutions, corporations, individuals or groups introduced by AFR. The RFA agrees to hold in confidence any and all private or proprietary information, including but not limited to software programs and development, business policies, practices and procedures, and Loan Placement Procedures. It is understood and agreed upon that the RFA shall not make any contact with, deal with, or otherwise be involved in any transactions with any banking or lending institutions, trusts, corporations or companies introduced by the AFR, without specific and agreed permission by the AFR.

8)	Books & Records: All records and books of the accounts of customers, other records of a business nature pertaining to AFR, records and books relating to customers of AFR, equipment provided by the AFR, papers and documentation, whether prepared by RFA or otherwise coming into the RFA’s possession or control during the terms of this contract, shall be exclusive property of the AFR, and surrendered to AFR upon termination of this contract. Furthermore, upon request, RFA shall return all Proprietary Information to the AFR.

9)	Liability & Indemnification: AFR shall not be liable to RFA for any expenses by RFA, nor shall RFA have authority to bind records and books by any promise or representation, unless specifically authorized in advanced and in writing by records and books. From time to time, claims, complaints or litigation involving AFR may arise directly from activity of RFA. 

RFA agrees to pay all damages, cost and expense, not covered by errors and omission insurance to AFR in defending or satisfying any claims or judgment imposed against AFR because of RFA’s activity (even if such claims or judgment is brought or filed subsequent to the expiration or termination of this agreement or any renewal or extensions hereof); furthermore, RFA agrees to pay all reasonable legal fees and other out of pocket expenses incurred by AFR that arise from RFA’s activities. AFR agrees to work closely with RFA to keep such expenses at a minimum, but AFR reserves the right to select the Attorney’s, and AFR reserves the right to defend any such complaints, claims, or litigation as it, in its sole discretion, as it sees fit. RFA shall indemnify and hold harmless AFR from all damages, fines, levies, suits, proceedings, claims, action or cause of action of any kind and for whatsoever nature including, but not limited to, all costs, court costs, litigation expense and reasonable Attorney’s fees arising from, growing out of, in connection with, or incidental to, RFA’s activities. Maintenance of any insurance required by this agreement shall not relieve RFA of liabilities incurred that are not covered in insurance; of liability under this paragraph.
By checking this box I agree to the terms and conditions. *