Network Compliance Policy – Advertiser

Continuity/Retention Guidelines

• The Term “FREE” or similar verbiage may not be used on any creative or landing pages to describe the product or service offered if there is any current or future charge for the product or service.

• Disclose on all landing pages in a clear and prominent manner the material terms and conditions of the offer including all pricing, fees, continuity plans in addition to the Terms and Conditions link.

• Prominently Disclose the price and time when payments are going to be taken prior to collecting any credit card or checking account information on the order page.

• Obtain the consumers’ advance consent for electronic transfer of funds and follow the requirements of the EFTA.

• Prominently display a link informing consumers of their right to refund or cancellation. In such policy specify the procedure of how to obtain a refund and how to cancel. All refunds and cancellations must be fulfilled within 7 days of the consumer’s initial request.

• Must have a dedicated staff or out-sourced referral staff to resolve any consumer questions, complaints, refunds or cancellation. This service must not have more than a ten minute hold or wait time for the consumer.

Biz Opp Guidelines

• Modern Vision Media prohibits unfair or deceptive advertising in any medium.

• All claims made on the website must be substantiated with documented proof.

• Testimonials and endorsements must reflect the typical experiences of consumers, unless the ad clearly and conspicuously states otherwise. A statement that not all consumers will get the same results is not sufficient to qualify a claim. Testimonials and endorsements can’t be used to make a claim that the advertiser itself cannot substantiate. Disclaimers and disclosures must be clear and conspicuous and may not be placed as a note at the end of the website. Connections between an endorser and the company that are unclear or unexpected to a customer also must be disclosed, including whether there is a financial arrangement for a favorable endorsement, a position with the company, or stock ownership. Expert endorsements must be based on scientifically proven and generally accepted tests or evaluations performed by people that have mastered the subject matter.

• Advertisers that make earnings representations must give consumers the written basis for their claims, including the number and percentage of owners who have at least as well as claimed.

• Must provide a product or service of substantial value consistent with the initial and any recurring fee.

• Must have dedicated staff to check blogs/websites for complaints and resolve any complaints found thereon by contacting the consumer.

• Must provide a service or product kit before the one-time fee for biz opps and that service or product kit must be competitively priced for the fee.

• Must have online method for processing refund/cancellation requests from consumers which sets forth the policy and procedure for the consumer to use and this should be an simple link and form.

• Must have 10 minute maximum hold or wait time for customer service calls.

Privacy Guidelines

• Publishers and advertisers must clearly and prominently display a privacy policy which meets the following minimum requirements:

• Location of Privacy Policy. The privacy policy must be posted in a clear and conspicuous fashion on the landing page and when accepting the consumer’s information on the registration page and/or online lead generation form.

• Content of Privacy Policy. The privacy policy must, at a minimum, contain the following information:
• Information collection practices of publisher or advertiser, including but not limited to, collection of user direct information; survey information; use of cookies, web beacons; IP address; computer profiles; data analysis and any other technology used to track consumer for behavior marketing.

• Use of Individual Information practices by publisher or advertiser, including but not limited to, public forums disclosure, publisher or advertiser email marketing practices, third party email marketing practices, service providers, aggregate statistics, data summary, order fulfillment, complying with legal process, offers, telemarketing, wireless addresses, short message service, and third party information sharing practices.

• Consumers visiting a particular web site must be provided meaningful notice of the types of individual information collected for interactive advertising purposes, the technologies employed to collect such information, and how such information is used, including that other companies operate on the site and may collect such information.

• Any state required disclosure pertinent to the publisher or advertiser’s offer.

• Consumers must also be provided notice of their ability to opt-out of data collection and dissemination. The consumer should be provided the ability to opt-out of data dissemination through a link on the privacy policy. In addition, consumers also should receive relevant education regarding cross-industry opportunities to opt out of the collection or use of individual information or other methods to exercise their choice.

• Changes to Privacy Policy. Consumers must be given adequate notice of any change or addition to the privacy policy by the advertiser or publisher. As such, Publishers must have a prominently placed notice on their home page the date the revisions were made. To the extent possible Publishers and Advertisers’ should notify consumers of changes to their privacy policy via email.

• Technical Requirements for Privacy Policies:

• Publishers and advertiser must have both technical and management controls in place to comply with their respective privacy policy and data retention security. As such, the privacy policy should also notify the consumer of the technical security and managerial control over the collected data as well as the publisher’s or advertiser’s data security methods.