Terms and Conditions

INOVOCB

Terms & Condition

Last Updated: 1st April 2025

 

1. INTRODUCTION

 

The purpose of these Terms & Conditions is to offer clear guidance and ensure a rewarding experience for InovoCB members and affiliates. This comprehensive document outlines our program’s features, benefits, and operational guidelines, covering aspects such as member conduct, solicitation, marketing practices, and other relevant procedures. Adherence to these policies is crucial for all members and affiliates to uphold their membership status and enjoy associated benefits fully. Failure to comply with these terms may lead to the termination of membership and forfeiture of any accrued benefits. We encourage all stakeholders to familiarize themselves with these terms to foster a mutually beneficial relationship within our community. By keeping your account active, you authorize InovoCB to utilize all available platform data for analysis and sharing with business partners. If your account is terminated, we will anonymize your data to protect your privacy and ensure compliance with applicable laws and regulations. With our InovoCB Program, our goals are to: • Provide high-value rewards and incentives to our members for sharing their current shopping data and habits. • Sell advertising to local merchants to generate additional revenue streams from the data, insights, and consumer reports we collect. • Utilize AI technology to innovate the way we monetize this data for our members. • Foster a community and pioneer data analysis to assist merchants and partners. • Provide training to our community members. • Stay at the forefront of AI and technology to serve our members by introducing and guiding them into this world.

 

2. MEMBERSHIP TYPES & BENEFITS

An InovoCB member is defined as any individual aged 18 or older who has completed the registration process at InovoCB.COM, has been granted login access to the InovoCB Portal, and has agreed to our terms and policies. Each member is strictly limited to one account. The
creation or use of multiple accounts by the same individual is prohibited.

2.1 InovoCB Venturing (Free) Membership is Free*
• Earn up to $25
• Earn 2% reward in data points on purchases
• Full operational back office
• Advanced platform structure and maintenance
• Secure data storage
• Exclusive online features
• Customizable data

2.2 InovoCB Premium Membership ($100 USD) every 30 days*
• Earn up to $200
• Earn 20% reward in data points on purchases
• Full operational back office
• Advanced platform structure and maintenance
• Secure data storage
• Exclusive online features
• Customizable data

2.3 InovoCB Premium+ Membership ($150 USD) every 30 days*
• Earn up to $300
• Earn 20% reward in data points on purchases
• Full operational back office
• Advanced platform structure and maintenance
• Secure data storage
• Exclusive online features
• Customizable data

 

2.4 Prepaid Packages (3, 6, or 12 months)
Prepaid packages are available for any type of plan, including Premium and Premium+ options. These packages offer commitment periods of 3, 6, or 12 months and include all the benefits of the respective monthly plans. However, they are not covered by our refund policy and are
therefore non-refundable. Membership grants access to the following benefits:
• Shopping reward data points. All members earn data points by sharing their shopping data. Once approved and qualified, members will receive their corresponding rewards only if the data is successfully marketed and acquired. Reward distribution depends on the completion of a transaction, meaning that if the shared data is not secured by a buyer, no rewards will be issued. Members acknowledge that participation does not guarantee earnings, as rewards are solely dependent on the commercial use of their
data.
• Premium Program. Premium members can participate in our affiliate program, earning commissions for referring new customers and building a customer membership team. Qualified affiliates receive daily deposits to their Inovo Wallet,
access to advanced genealogy management tools, notifications, reminders, and
messages.
• Direct payout of earnings. Members may request to receive their benefits directly through the payout methods available in the system. These payouts are subject to a 5% transaction fee plus a fixed fee of $5, both charged by InovoCB. All transfers are
processed in USD, and any external currency conversion or third-party processing fees are beyond InovoCB’s control.

*This policy is subject to change without prior notice »

3. MEMBERSHIP STATUS
The membership account may be assigned one or more of the following statuses: Active, Free, Inactive, Suspended, or Terminated. The privileges and consequences of each membership
status level are described below. 

Free:
A « Free » membership status is assigned to a member who does not currently maintain a membership subscription.
• A Free Member is a member who is subscribed to the Venturing plan but does not
maintain a paid membership subscription.

Active:
An “Active” membership subscription entitles the Member to individual rights, privileges, and
benefits of an “Active” member. A member may become “Active” by:
• Enroll or renew through the InovoCB Portal, select a membership plan, and proceed
with payment.

Inactive:
An « Inactive » membership status is assigned to a member who does not currently maintain an « Active » membership subscription.
• A member becomes inactive if no data and/or receipt is entered for 15 consecutive days on any membership plan.
• An individual may only retain « Inactive » status for up to a total of 60 consecutive days before transitioning to « Terminated » membership status on day 61. Should an « Inactive » Member renew their membership subscription and/or input data before the termination date, their membership status will revert to « Active. » Inactive members do not retain any rights, privileges, or benefits associated with an « Active » membership.

Suspended:
A “Suspended” membership status applies to a member who has had their account access
temporarily revoked.
• A Member may enter this status from the Compliance Enforcement Team while an
investigation is ongoing.
• A “Suspended” member loses all access to the InovoCB Portal and membership
benefits until the investigation is complete.
• The « Suspended » status typically remains in effect until the Compliance Enforcement
Team reaches a decision
Terminated:
“Terminated” status goes into effect when a member remains “Inactive” for more than 60
consecutive days. On the 61st day of consecutive inactive status, the member will enter
“Terminated” status.
• A Terminated member will have their wallet balance cleared, personal information
permanently deleted and lose access to renewing their membership on the InovoCB
Portal.
• To reactivate an account, a Terminated member must re-enroll as a new member by
contacting support.
Self-Termination:
“Self-Termination” is when a member has opted to manually terminate their account from the
member profile page.
• A Self-Terminated Member will be removed from the membership database and will
no longer have any right to access or renew their membership in the InovoCB Portal.
• All account wallet values will be cleared, and all personal information will be
permanently removed from the system. If a “Self-Terminated” Member wishes to
reactivate their account, they must enroll again as a new Member by contacting
support.
• To initiate self-termination, the member needs to send an email to
compliance@InovoCB.com, mentioning the self-termination request and reason.
Please note that the processing of the request may take up to 10 business days.

Banned:
A member who is “Banned” has been barred from the system due to a Compliance violation. All
account values will be cleared, and all personal information will be permanently removed from
the system.
• A member that has been “Banned” from the Compliance Enforcement Team, will no
longer have any right to access or renew their membership in the InovoCB Portal. They
will also not be allowed or welcome to register or enroll again in the future.
4. DATA POINTS
Overview
Through our Reward Program, InovoCB members can share their shopping data with us based
on their membership type and earn data points in return. *One U.S. dollar is equivalent to one
data point.
• Free membership receives up to 2 % converted into data points per receipt submitted. *
• InovoCB Premium can earn up to 20% converted into data points per receipt
submitted.*
• InovoCB Premium+ can earn up to 20% converted into data points per receipt
submitted.*
Shop at the same local retail merchants, upload the proof-of-purchase receipt using our new AI
technology and submit a Redemption, and earn rewards in data points. Convert these Data
points into benefits or cash!
*THERE ARE IMPORTANT RESTRICTIONS, LIMITATIONS, AND RECEIPT SUBMISSION
STANDARDS THAT INOVOCB REQUIRES FOR USE WITH THE REWARD PROGRAM. NOT ALL
MEMBERS WILL NATURALLY SPEND ENOUGH ON VARIOUS RETAIL SHOPPING EACH MONTH
TO MAXIMIZE THE REWARD BENEFIT. IT’S IMPORTANT TO FULLY UNDERSTAND THE DETAILS
OF OUR PROGRAM BEFORE DECIDING IF THIS MEMBERSHIP IS RIGHT FOR YOU. OUR
MEMBERS MAY CHOOSE TO USE OR OPT-OUT AT ANY TIME AND NOT PARTICIPATE IN THE
REWARD PROGRAM. TO COMPLY WITH THE KNOW-YOUR-CUSTOMER (“KYC”) REGULATIONS
AND OTHER LEGAL REQUIREMENTS, MEMBERS IS REQUIRED TO SUBMIT PERSONAL
INFORMATION, SUCH AS GOVERNMENT IDENTIFICATION, LOCAL TAX (VAT) INFORMATION,
OR OTHER DOCUMENTS TO VERIFY PERSONAL IDENTITY BEFORE BEING ELIGIBLE FOR ACCESS
TO USE ANY WALLET. ALL EXISTING, NEW, AND PROSPECTIVE INOVOCB MEMBERS ARE
ENCOURAGED TO CAREFULLY REVIEW THE RULES, RESTRICTIONS, AND DETAILS OF THE
REWARD PROGRAM BEFORE ENROLLING, PROMOTING, OR AGREEING TO ITS POLICIES AND
PROCEDURES.

 

5. RECEIPT CONDITIONS / REDEMPTIONS & RULES
To start submitting your shopping data receipts (ELECTRONIC RECEIPT ONLY), please navigate
to the designated section and follow the process for submission. Additionally, you may have the
option to manually add receipts from your device.
Merchant Eligibility and Selection Criteria
InovoCB selects merchants based on specific criteria to ensure the integrity and reliability of our
data collection process. Here are the requirements for merchant eligibility:
5.1 Presence on Google Maps:
• All merchants must be listed on Google Maps to be considered for inclusion in our
system. If a merchant is not listed on Google Maps, it cannot be approved (some
online stores without physical position may be accepted).
5.2 Merchant Categories:
• InovoCB collects shopping data from various retail sources, including big-box retail
chains, local retail merchants, fuel/petrol stations, convenience stores, restaurants,
and other retail and online shopping outlets (Amazon, MLM with product)
5.3 Acceptable Merchant Criteria:
• The merchant must operate as a brick-and-mortar establishment offering tangible
goods for sale.
• A physical proof-of-purchase, such as a receipt or invoice, must be provided to
customers.
• Online stores may be accepted if they provide a PDF invoice as proof of purchase.
5.4 Excluded Business Types:
• Certain businesses are not eligible for participation in the InovoCB program. These
include:
• Service-oriented businesses such as hair salons, transportation services (e.g., Uber),
repair shops, medical facilities, massage or fitness centers, hotels, travel ticket.
• Products sold through direct selling companies and online e-commerce platforms that
do not provide tangible goods for sale.
• Wholesale outlets.
*Note: InovoCB reserves the right to determine merchant eligibility based on these criteria
Retail Items

A retail item is defined as any physical or tangible item (not digital) purchased from a retail
merchant and the sale from that item creates a profit for the business (non-wholesale).
Retail purchases may include**:
• electronics
• groceries/produce
• petrol/fuel
• dining out (cost of food only and not including tips or gratuity)
• prescription medication
• clothing
• automotive parts
• school supplies, etc.
**Prepaid gift cards or vouchers, pre-paid credit/debit cards, fuel/petrol cards, or any other
form of money/currency exchange is not considered a retail item and will not be approved at
the time of Redemption. Taxes added to purchase totals, such as value-added taxes (VAT),
Sales Tax, or any other form of Tax, will not earn Data points once Redeemed. Members MUST
enter ONLY the Subtotal of the receipt and not the total. IF there is NO subtotal then, the
receipt could be refused.
Point-of-Sale Receipts / Cash Register Tickets / Online receipt
When you make a retail purchase, whether in-store or online, you typically receive proof of the
transaction in the form of a receipt, ticket, or online receipt. This documentation contains
essential details about the transaction, including the date, location, merchant name, total cost,
items purchased, and payment method. This proof of purchase can be in either physical form,
such as a paper receipt, or digital form, like an email receipt.
For us to accurately process your shopping experience into usable data, we require physical
proof of purchase, such as a Point-of-Sale Receipt, online receipt, or Cash Register Ticket.
Handwritten receipts or invoices, as well as credit card receipts, will not be accepted.
IMPORTANT NOTE: Each individual shopping receipt, invoice, or ticket may only be uploaded
and submitted once. Attempting to share a shopping receipt, invoice, or ticket with others to
claim benefits from InovoCB will be detected by our software, and both submissions will be
declined at the time of Redemption. Members engaging in this behavior may be subject to
suspension from our program and may have their status changed to « Banned » or
« Suspended »
Point-of-Sale Thresholds
To accurately capture retail consumer buying habits, purchases must fall within specified
thresholds to qualify for redemption. Each retail receipt, invoice, or ticket must have a minimum
subtotal of $5.00 USD to be eligible for redemption.

Currency Conversion Tool
Our software links with “Real-Time” currency exchanges to determine the best rate at the time
of conversion. If a member is using a currency other than USD, the currency conversion tool will
automatically convert the currency into a USD value. For example, if purchases are made in
Canadian dollars (CAD), then the member will enter their shopping data exactly with what is on
the receipt, invoice or ticket in the values of CAD. Our software will then convert the currency
automatically without any further action from the member.
Submitting Redemption
• Members may submit a request to redeem submitted receipts from Reward (data
points) to be deposited into the Data points Wallet (a “Redemption”) every thirty (30)
days or thirty (30) days from the last Redemption submitted. A Redemption may be
“Approved” or “Declined” by the processing team. Submission of a Redemption does
not constitute an automatic approval and must go through processing.
• A Redemption may ONLY be submitted 30 days from the day the 1st receipt is
uploaded or 30 days from the LAST Redemption submitted.
Receipt Submission Criteria:
To ensure the validity of submitted data, please ensure that all receipts meet the following
criteria:
• Authenticity: All receipts must be genuine and accurately reflect retail purchases.
• Completeness: Each submission should include all pertinent details such as item lists,
names, addresses, prices, and any other relevant information.
• Legibility: Ensure that submitted receipts are clear and legible to facilitate accurate
processing.
• Accuracy: While our AI system may accept certain receipts, please note that
submissions may be rejected if crucial information is missing or illegible.
Adhering to these criteria will help streamline the receipt submission process and ensure the
accuracy of the data collected.

Our processing team will allow up to two receipts to fail the above criteria before declining
the entire redemption. Please ensure that you submit clear, usable data. Receipts determined
to be fraudulent or edited in any fashion will not be approved, and the individual may be
suspended, banned, and/or subject to legal action.
• Upon submission for redemption, receipts will go through validation and processing
for 60 days. On the 61st day, if approved, the total amount submitted for redemption
will be deposited into the Data Point Wallet.
• Even if your redemption is approved, this means that the data on the receipts has
been verified as valid and compliant — however, it must still be commercialized.
Note: The validation period may be subject to changes due to various agreements with data
providers. We are committed to constant communication and development to enhance our
methods and expedite validation. Data points will be deposited once our provider confirms
that the data is compliant, and the payment is sent to us. We will ensure to approve it as soon
as our provider’s payment is confirmed, even if it is before the scheduled period.
Data points and Rewards
Determined by the current programs, all rewards will be converted into Data Points, which are
calculated instantly and accumulated weekly (from Monday through Sunday at 11:59 PM
Eastern Standard Time).
• Data Points will be deposited into the Data Points Wallet upon approval from the
Redemption process. It’s important to note that Data Points do not hold actual cash
value until Redemption is approved.
• Each Data Point is equivalent to 1$ USD. However, it’s subject to change at any time if
required by InovoCB.
Redemption Limits:
For InovoCB Free Members*:
• Members are eligible to receive up to a 2% reward in the form of Data Points for every
receipt submitted.
• Redemption is possible once 25 Data Points have been accrued.
• To earn a maximum of $25 in Data Points per month, members can accumulate up to
6.5 reward credits each week.

For InovoCB Premium Members*:
• Members may receive up to 20% reward in the form of Data Points for each receipt
submitted.
• Redemption options include either $100 or $200 every 30 days.
• The first Redemption must be $100 since the maximum Data Points earnable in a 4-
week period is 192 DPs (48 DPs per week multiplied by 4 weeks equals 192). Any
remaining Data Points after the first Redemption will carry over to the next month,
allowing for a maximum redemption of $200 if sufficient credits are accumulated in
subsequent months.
• The first redemption of $100 serves to initiate your file and analyze the data linked to
your profile. This initial redemption request integrates all these elements, allowing for
a thorough review and establishing trust in your profile. This process not only
facilitates smoother future redemptions with our partners but also makes your data
easier to market within our network.
• To earn up to $200 in Reward per month, members can accumulate a maximum of 48
Data Points each week.
For InovoCB Premium + Members*:
• Members may receive up to 20% reward in the form of Data Points for each receipt
submitted.
• Redemption options include either $150 or $300 every 30 days.
• To earn up to $300 in Reward per month, members can accumulate a maximum of 70
Data Points each week.
• The first Redemption must be $150 since the maximum Data Points earnable in a 4-
week period is 280 DPs (70 DPs per week multiplied by 4 weeks equals 280). Any
remaining Data Points after the first Redemption will carry over to the next month,
allowing for a maximum redemption of $300 if sufficient credits are accumulated in
subsequent months.
• The first redemption of $150 serves to initiate your file and analyze the data linked to
your profile. This initial redemption request integrates all these elements, allowing for
a thorough review and establishing trust in your profile. This process not only
facilitates smoother future redemptions with our partners but also makes your data
easier to market within our network.

Redemption Processing Policy
All types of rewards or Data Points requested as withdrawals will be processed within the
respective timeframes based on the available options on the platform. According to the payout
method selected by the member, a 5%* transaction fee charged by InovoCB and/or additional
fees may apply, depending on the type of withdrawal.
Please note that all transfers are processed in USD, and any currency conversion fees or
additional charges applied by the third-party payment processor are outside of our control.
If, for any reason not attributable to InovoCB, a payout must be resent due to incorrect or
incomplete information provided by the member, InovoCB reserves the right to apply
transaction fees again for the resubmission.
*This policy is subject to change without prior notice.
Redemption Cancellation Policy
Recognizing the importance of reward redemptions for our valued members, InovoCB has
established a Data points Redemption Policy to ensure the fair and transparent administration
of our reward program.
In line with this policy, if a member’s account remains inactive for a period exceeding 15 days,
any pending reward redemption requests may be subject to suspension or cancellation. This
measure is implemented to uphold the integrity and fairness of the program, prioritizing timely
reward for active members. We firmly believe that this policy acts as a deterrent against
potential misuse of the program while demonstrating our commitment to equitable and
transparent practices.
Upon 15 days of account inactivity, affected members will receive formal communication from
the company, alerting them to the potential suspension or cancellation of any pending
redemption requests. This proactive communication aims to highlight the importance of
maintaining an active status to ensure the processing of reward redemptions.
If a member’s redemption request is canceled due to account inactivity, they will receive a
detailed email notification providing a clear explanation for the suspension or cancellation.
We encourage all members to actively participate in our platform to enjoy the benefits of our
reward program consistently. For any inquiries or concerns regarding our reward program,
please feel free to contact our dedicated member support team at support@InovoCB.com . We
are committed to providing you with the assistance you need.

6. INOVOCB KYC POLICY
To ensure compliance, prevent fraud, and secure member accounts, InovoCB requires identity
verification through the Know Your Customer (KYC) process.
6.1. KYC Requirement
KYC verification is mandatory before accessing withdrawals, redemptions, and other platform
benefits.
6.2. Required Documents
• Government-issued photo ID (passport, driver’s license, or national ID)
• Proof of address (utility bill, bank statement, etc., dated within the last 3 months)
• Selfie verification (live photo matching the submitted ID)
6.3. Verification Process
• Documents must be uploaded via the InovoCB Portal.
• Reviews take up to 7 business days
• Incorrect or unclear documents will be rejected, requiring resubmission and causing
prolonged delays
6.4. Privacy & Security
• KYC data is securely stored and used only for verification.
• InovoCB does not share personal information with unauthorized parties.
6.5. Non-Compliance
Failure to complete KYC or submitting fraudulent information may result in:
• Account restrictions or termination
• Loss of platform access
• Legal action for fraud
*By joining InovoCB, members agree to this KYC policy.

7. REFUND POLICY
A first-time INOVOCB Member may cancel their membership for ANY reason within 72 hours (3
days) if paid with a Credit/Debit card through our merchant provider and may request a full
refund to the same card used for the membership purchase.
This refund guarantee applies only to NEW Member Enrollments paid by credit/debit
card and DOES NOT apply to membership renewals. Once the refund is processed, the system
will automatically terminate the membership.
IMPORTANT:
After the 3-day refund period, any new subscription or membership renewal is
considered final. Members are fully responsible for their purchase decisions, and no refunds
will be issued for renewals or subsequent subscriptions.
In addition:
• The following types of plans are strictly not eligible for any refund:
– Plans that include Data Points, Rewards, or any form of cryptocurrency
– Prepaid package plans (3, 6, or 12 months)
– Any other type of subscription bundle or special promotional plan
• Any dispute or chargeback filed against such plans will be automatically denied, and
we will submit these Terms & Conditions—agreed to by all active members—as
supporting documentation.
• Any refund request made within 72 hours for a new membership will also be denied if
the member has not contacted InovoCB via our official support channels (email or
back office ticket system) prior to initiating the cancellation.
*This policy is subject to change without prior notice.
8. MEMBER AND AFFILIATE RULES AND REGULATIONS
When discussing our company with current or potential InovoCB Members, it is crucial for all
Members and Affiliates to act responsibly and carefully in presenting themselves and our brand,
adhering to our company’s image and Policies. Most importantly, no Member or Affiliate of
InovoCB should ever engage in dishonesty or misrepresentation when communicating their role
or portraying our company and its programs to the public or potential Members. To maintain
integrity in these activities, all InovoCB Members and Affiliates must strictly follow these rules
and regulations.

8.1 All InovoCB Members and Affiliates are independent representatives of the company, which
does not create an employer/employee relationship, agency, partnership, or joint venture
between the company and the Members or Affiliates. Each Member or Affiliate shall hold
harmless the company from any claims, damages, or liabilities arising out of their business
practices. InovoCB Members or Affiliates have no authority to bind the company to any
obligation. All actions conducted by Members or Affiliates are in the capacity of an independent
third party.
8.2 In the conduct of its business, the InovoCB Member and/or Affiliate shall safeguard and
promote the reputation of the services of the company and shall refrain from all conduct which
might be harmful to such reputation of the company or the marketing of such services or
inconsistent with the public interest, and shall avoid all discourteous, deceptive, misleading,
unethical or immoral conduct or practices. A InovoCB Member and/or Affiliate shall not
interfere with, harass, or undermine other Members and, always, shall respect the privacy of
other Members and Affiliates. An InovoCB Member and/or Affiliate must not disparage the
Company, its affiliated entities, other InovoCB Members, InovoCB Affiliates, Company products
and/or services, the marketing, the compensation, reward plans, InovoCB employees or
Executives.
8.3 All InovoCB Members and/or Affiliates are responsible for paying applicable local,
state/province, and national taxes on bonuses, rewards, rebates, or any other earnings
generated as a referee of Company memberships, products, and services. All Members and/or
Affiliates are responsible for abiding by their home country’s local, state/province, and national
laws and regulations.
8.5 InovoCB Members and/or Affiliates shall not advertise INOVOCB products and services
and/or marketing plans except as specifically approved by the company. InovoCB Members
and/or Affiliates agree to make no false or fraudulent representations about the company, the
products, the InovoCB compensation plan, or income potential.
8.6 INOVOCB maintains official corporate websites, social media pages, online groups and
forums (such as, but not limited to, Facebook Groups), and smartphone applications
(collectively the “InovoCB Portal”). No Member may independently design or establish a
website, social media page/group, app, or other portal or service of any type whatsoever that
uses the names, logos, product, or service descriptions of the company, nor may any InovoCB
Member and/or Affiliate use “blind” ads on the Internet making product or income claims which
are ultimately associated with Company products, services, or the company’s compensation
plan without prior Company approval. However, Members may participate in social networking
over the Internet to promote the company’s products and rewards, in full accordance with
InovoCB policies and procedures. Any person using InovoCB names, logos, trademarks, etc., on
the Internet or any other advertising medium, except as permitted by INOVOCB rules and
regulations shall be subject to immediate discipline, including but not limited to termination of
membership or affiliate status.

 

8.7 InovoCB reserves the right to approve or disapprove the Member’s change of name,
business name, or organizational form associated with the Member’s registration. If the
company approves such a change by the Member, the organization’s name and the
organization’s principals’ names must appear on the Member application/agreement, and a
national identification number of each. The INOVOCB Member and/or Affiliate is prohibited to
make changes to circumvent or violate InovoCB’s rules on raiding, solicitation, targeting, crossrecruiting, or other team interference.
8.8 If a member feels they are not receiving adequate mentorship, education, support, or
training from their enroller, the company will not move the member to a different team.
Instead, they will refer the members to different leaders within the same team to provide
support until they feel comfortable. If the member wishes to change teams as a last resort, they
must submit a request to the compliance team. However, it’s important to note that in this
case, the members’ accounts will be terminated, and they will need to re-enroll with the new
team. This process could take up to 30 days. Additionally, the member will lose all data points
and their position, as it will be considered a new account.
8.9 If a InovoCB Member and/or Affiliate fails to maintain the recurring 30-day payment for
membership, the membership will assume Inactive status and lose some rights, privileges, and
other accrued benefits. If a member or Affiliate remains Inactive for more than 30 days, the
membership will enter Terminated status, and all rights to bonuses, member benefits, and
access to the Membership Portal will permanently cease.
8.10. InovoCB shall be entitled to change membership prices, the compensation plan, the values
or amounts earned in the InovoCB Program, and other rewards at any time and without notice.
InovoCB expressly reserves the right to alter or amend prices, fees, the Terms of Use, the Terms
and Conditions, Membership benefits and terms, reward programs, compensation plans, or any
other rules or regulations set by the company at any time. InovoCB will also be allowed to make
price or reward changes as needed for publication on the website, social media, and
promotional materials.
8.11. Periodically, the company will supply data processing information and reports to the
INOVOCB Members and/or Affiliates, which will provide information concerning personal
referrals, genealogy information, and other earning or compensation reports. The InovoCB
Member and/or Affiliate agrees that such information is proprietary and confidential to InovoCB
and is transmitted to the INOVOCB Member and/or Affiliate in confidence. The InovoCB
Member and/or Affiliate agrees that he or she will not disclose such information to any third
party directly or indirectly, nor use the information to compete with the company directly or
indirectly during or after the term of the agreement.

8.12. Members may not advertise any InovoCB product or service at a price LESS than the
highest company published, established retail price of ONE offering of the InovoCB product or
service. No special enticement advertising is allowed. This includes, but is not limited to, offers
of free or discounted memberships, Inovo Keys, or other offers that grant an advantage beyond
those available through the company. InovoCB Members and/or Affiliates found to violate this
policy may be terminated immediately without review.
8.13. The acceptance of these terms, policies, and conditions does not constitute the sale of a
franchise, and no exclusive territories will be granted to anyone. No franchise fees have been
paid, nor will any member acquire any interest in security by accepting these agreements.
8.14. InovoCB Members and/or Affiliates shall maintain the highest standards of business
practices when discussing or marketing INOVOCB. Members shall refrain from engaging in
unethical business practices or violating standards of fair dealing, engaging in cross-team
recruiting or other unfair or unethical business practices, or generally engaging in any activities
that would damage the company’s brand (in its sole discretion).
8.15. InovoCB Members and/or Affiliates may not make claims or warranties of any kind,
including, but not limited to, any claims for earnings or services, other than those included in
official company literature, advertisements, marketing and any other official communication
from the company.
8.16. Sending SPAM, also known as Unsolicited Commercial Email (UCE), is prohibited by the
company. Any use of SPAM, fax broadcasting, automated messaging, automated telemarketing
by phone, unsolicited text messaging, Whatsapp/Telegram messages, or any unwanted or
unsolicited communication in connection with the company’s business may result in suspension,
a fine, or termination of membership.

9. TRADEMARK, TRADE NAMES AND ADVERTISING
9.1 The InovoCB name and other names as may be adopted by InovoCB are proprietary trade
names and trademarks of InovoCB INC. As such, these marks are of great value and are supplied
to the InovoCB Member and/or Affiliate for use only in an expressly authorized manner.
9.2 InovoCB Members and/or Affiliates agree not to advertise InovoCB products or services in
any way other than the advertising or promotional materials made available by InovoCB.
InovoCB Members and/or Affiliates agree not to use any written, printed, recorded, digital or
any other material in advertising, promoting or describing the products or services or programs,
or in any other manner, any material which has not been copyrighted and supplied by the
company, unless such material has been submitted to InovoCB corporate and approved in
writing by InovoCB before being disseminated, published or displayed

9.3 The InovoCB Member and/or Affiliate, as an independent third party, is fully responsible for
all his/her verbal and written statements made regarding the product or service and marketing
program, which are not expressly contained in writing in the current Member Agreement, and
advertising or promotional materials supplied directly by InovoCB. InovoCB Members and/or
Affiliates agree to indemnify the company and hold it harmless from any and all liability
including judgments, civil penalties, refunds, attorney fees, court costs, or loss of business
incurred by the company due to InovoCB Members’ or Affiliates’ unauthorized representations
or misrepresentations.
9.4 All InovoCB materials, whether printed, on film, produced by sound recording, in digital
media format or on the Internet, and social media of any type, are copyrighted and may not be
reproduced in whole or in part by Members, Affiliates, or any other person except as authorized
by the company.
9.5 A InovoCB Member and/or Affiliate may not produce, use or distribute any information
relative to the contents, characteristics, or properties of the InovoCB product or service which
has not been provided directly by the company. This prohibition includes, but is not limited to,
print, audio, video, and/or other digital media.
9.6 All advertising copy, direct mailing, email, radio, TV, newspaper, podcasts, newsletter,
livestream and display copy via the Internet must be approved in writing before being
disseminated, published, or displayed except for blind ads where no reference is made to the
InovoCB company name or product name.
9.7 InovoCB Members and/or Affiliates may not register or claim ownership of any trademarks,
logo, website domains, social media accounts or pages, or any other intellectual property of the
company in any jurisdiction in the world.
10. INDIVIDUAL AND ENTITY OWNERSHIP INFORMATION
Membership accounts may only be owned and held by individuals. Registration by corporations,
partnerships, or any other entities is strictly prohibited.
Each individual is allowed to maintain only one membership account. Creating or operating
multiple accounts is considered fraud and will result in an automatic ban.
An individual must provide InovoCB with a National Identification Number and any other
required documents to verify identity through the KYC process before receiving any monetized
payouts. Individuals operating under a fictitious name are not eligible for membership or affiliate
status with InovoCB.
Any attempt to register a membership under a business entity or hold multiple accounts will be
denied, and any existing accounts found to be in violation of this policy may be subject to
immediate suspension or termination.

11. All INOVOCB Members agree to:
• Provide information, support, and training to the InovoCB Members and/or Affiliates
personally enrolled.
• Study all InovoCB policies, terms, and literature to learn how to represent the company
and services honestly and sincerely.
• Help other InovoCB Members and/or Affiliates directly connect with top InovoCB
Affiliates.
• Be professional, courteous, honest and considerate.
• Not misrepresent the Affiliate Compensation Program or any other InovoCB service or
benefit.
IMPORTANT: UNDER NO CIRCUMSTANCES ACCESS TO THE INOVOCB MEMBERSHIP BE
TREATED AS A BUSINESS OPPORTUNITY, INVESTMENT, OR A VEHICLE FOR FINANCIAL GAIN.
MEMBERS ARE STRICTLY PROHIBITED FROM BUILDING A REFERRAL NETWORK THROUGH
DECEPTIVE PRACTICES SUCH AS ‘STACKING,’ CREATING FAKE ENTITIES, SUBMITTING FALSE OR
INACCURATE SHOPPING DATA, OR ENGAGING IN ANY OTHER MANIPULATIVE ACTIVITIES—
WHETHER INDIVIDUALLY OR IN COORDINATION WITH OTHERS—THAT VIOLATE THE
COMPANY’S PURPOSE, ETHICS, OR ITS POLICIES AND PROCEDURES. SUCH ACTIONS MAY
RESULT IN IMMEDIATE TERMINATION OF MEMBERSHIP AND FURTHER LEGAL
CONSEQUENCES
12. DISCIPLINARY ACTIONS, TERMINATION, AND APPEALS
Disciplinary Actions
InovoCB retains the right to terminate any Member and/or Affiliate account at its discretion and
without prior notice. However, InovoCB may opt to take disciplinary actions as outlined below in
response to Member and/or Affiliate violations of these Policies and Procedures, the Terms of
Use, or any other rules, agreements, or policies established by InovoCB. The following actions
may be taken by our compliance and enforcement team:
• Issuance of a written warning or admonition.
• Imposition of a fine, which may be deducted immediately from the Inovo Wallet, Data
Point Wallet or withheld from future bonuses, compensation, rewards, rebates, or other
applicable sources as deemed appropriate by the company.
• Loss of benefits related to Member or Affiliate referrals, compensation, or removal from
the Affiliate Program.
• Suspension, which may be temporary and subject to reinstatement with conditions or
restrictions or may lead to termination.
• Termination of the Membership or Banning from the platform.

Termination Process & Appeal
Upon a decision to terminate or ban a Member/Affiliate, the company will promptly notify the
individual, with termination taking immediate effect upon notification. The Member/Affiliate
will have a 15-day window, from the date of notification, to submit a written appeal to
compliance@InovoCB.com . The appeal should address any violations of InovoCB Agreements,
policies, or rules they are accused of. Failure to submit an appeal within 15 days will result in
automatic finalization of the termination.
If a member or Affiliate submits a timely appeal, the InovoCB compliance team will review it and
reconsider the termination, exploring any suitable actions. The final decision made by the
compliance team will be binding, with no further avenues for review. If the termination is
upheld, it will be retroactively effective as of the original termination notice.
Once a decision to terminate an account is made, the affected individual is prohibited from
using any references to InovoCB products or services. They must not represent themselves as an
InovoCB Member or Affiliate during the appeal process. Failure to comply during the appeal will
result in automatic termination of the pending appeal.
13. ACCOUNT CLOSURE AND ASSET HANDLING IN CASE OF
MEMBER PASSING
In the event of a member’s passing, InovoCB reserves the right to close the account upon
verification or receipt of valid proof from a close family member.
• Only the INO Wallet balance can be allocated to a close family member who is also a
registered member of InovoCB, provided sufficient proof of relationship is submitted.
• Confirmed data points that are eligible for conversion into cash may also be transferred.
However, any unconfirmed data points or pending rewards cannot be included.
• A request must be made within 60 days after all data and account activities have been
finalized and the account is fully closed.
• InovoCB reserves the right to refuse a request, request additional proof, or ask for
further information as needed.
This policy is subject to change and may be adapted in accordance with local laws

14. LIMITATION OF LIABILITY AND DISCLAIMER
Limitation of Liability and Disclaimer
InovoCB is not a financial institution, investment firm, or banking service. We do not provide
financial advice, investment opportunities, or monetary guarantees. By using our services and
agreeing to these Terms and Conditions, you acknowledge that InovoCB is not responsible for
any financial losses, damages, or liabilities incurred as a result of your use of our platform. Our
offerings are limited to service-based subscriptions, and it is your sole responsibility to assess
and assume any risks associated with their use. InovoCB shall not be held accountable for any
direct or indirect consequences arising from transactions, decisions, or activities conducted on
or through our platform.
*All Subject to adjustments without prior notification.