Back

Earnings Disclaimer (MLM)

Effective 2026-04-30Version 1

IMPORTANT: This document is an AI-generated starting point and has NOT been reviewed by a licensed attorney. Before going live with real customer transactions, WeMillionaires must have this document reviewed and adapted by qualified counsel in the relevant jurisdictions. The document is not legal advice.

WeMillionaires Earnings Disclaimer &
Income Representation Disclosure

Effective Date: 2026-04-30

Address: 3829 Pennsylvania Ave SE, Washington DC 20020, USA
Contact: info@wemillionaires.com

1. Purpose and Scope of this Disclosure

1.1 Purpose
This Earnings Disclaimer & Income Representation Disclosure (“Disclosure”) explains how income and commissions work in connection with the WeMillionaires platform. It is intended to comply with:

  • U.S. Federal Trade Commission (“FTC”) guidance, including the FTC’s 2018 Business Guidance Concerning Multi-Level Marketing (MLM); and
  • The FTC’s Guides Concerning the Use of Endorsements and Testimonials in Advertising, 16 C.F.R. Part 255 (the “Endorsement Guides”).

1.2 Who This Applies To

This Disclosure applies to:

1.2.1 All WeMillionaires members and account holders, including but not limited to Ascend, Growth, and Founder tier subscribers;

1.2.2 All individuals or entities who promote WeMillionaires, its membership plans, its directory listings, its courses, or its commission/residual income opportunities;

1.2.3 Any person who uses WeMillionaires branding, content, or tools to recruit or refer others to WeMillionaires, whether for direct compensation or other benefits.

1.3 Acceptance of This Disclosure

By creating a WeMillionaires account, using the platform, or promoting WeMillionaires in any way, you:

  • Acknowledge that you have read and understood this Disclosure; and
  • Agree to comply with it in all of your marketing, communications, and promotional activities related to WeMillionaires.

2. No Guaranteed Income or Results

2.1 No Earning Guarantees

WeMillionaires does not guarantee that you will earn any income at all. Any income, commission, bonus, or residual payment you may receive depends on multiple factors, many of which are outside our control, including but not limited to:

  • Your personal skills and experience;
  • The time, effort, and consistency you invest;
  • Your pricing, offers, and sales techniques;
  • Your ability to market and sell your own services, directory listings, or courses;
  • Overall market conditions and customer demand.

2.2 You May Earn Nothing

You may earn no income at all from your participation in WeMillionaires. You should not enroll, subscribe, or purchase any product or listing-pack with the expectation of guaranteed or effortless income.

2.3 Risk of Loss

You may lose money. Your expenses (such as subscription fees, advertising, marketing, and other business costs) may exceed any income or commissions you earn.

3. Typical, Average, and Representative Earnings

3.1 Current Typical / Average Earnings

As of the Effective Date, WeMillionaires is an emerging platform and the typical or average earnings for most members is $0 in commissions and income from the platform.

3.2 Why Typical Earnings Are $0

For most members:

  • They are new to the platform and have not yet actively promoted their listings, courses, or referral links;
  • They may not engage in sales or marketing activities at all;
  • They may be using WeMillionaires primarily as a tool or directory without a direct focus on income generation; or
  • They may not yet have built a sufficient client base or network.

3.3 Use of “Results Not Typical” and Similar Statements

Whenever you or WeMillionaires share any success story or case study (e.g., “Member X earned $Y in Z months”), such a statement must:

  • Be truthful and not misleading; and
  • Clearly and prominently disclose that these results are not typical, and that typical earnings for most members are currently $0.

3.4 Requirement to Use Current, Accurate Data

You must not:

  • Quote or imply income averages or “most people earn…” statements without written, current, and specific data from WeMillionaires;
  • Use outdated or hypothetical numbers as if they are real, current, or typical.

If WeMillionaires updates its published earnings data, you must promptly update your claims to match the latest official disclosures.

4. The WeMillionaires Commission & Residual Income Structure

4.1 Overview

WeMillionaires offers a commission and residual income system on certain qualifying sales made through the platform. These may include, for example:

  • Eligible membership referrals;
  • Eligible course or digital product sales;
  • Eligible directory listing-pack sales;
  • Eligible paid bookings made via the scheduler.

Not all transactions are commissionable. WeMillionaires reserves the right to designate which products and services are eligible for commission.

4.2 Standard Commission Split: 75% / 10% / 15%

Unless otherwise stated in writing by WeMillionaires, the standard commission split on qualifying sales is:

  • 75% – Paid to the selling member (the member responsible for the qualifying sale, e.g., the course creator or service provider);
  • 10% – Paid as an override / upline commission to qualified referring or “upline” members (if any and as defined by WeMillionaires’ internal rules);
  • 15% – Retained by WeMillionaires as the platform share for providing the technology, tools, and infrastructure.

4.3 Commissions Are Not Wages

Commission and residual income payments:

  • Are not salary or wages;
  • Are not guaranteed for any period or any minimum amount;
  • Are contingent on valid, completed transactions that are not refunded, disputed, or reversed.

4.4 Conditions, Adjustments & Chargebacks

WeMillionaires may adjust, delay, or reverse commission payments in its discretion, including if:

  • A transaction is refunded, disputed, fraudulent, or cancelled;
  • There is suspected or confirmed policy or legal violation;
  • There are accounting errors, system errors, or Stripe payment issues;
  • You have breached WeMillionaires’ Terms of Use, this Disclosure, or applicable law.

4.5 No Promise of Passive or “Automatic” Income

Even though some commissions may be “residual” or recurring (e.g., recurring subscription-based income), WeMillionaires does not promise, guarantee, or imply that any income will be:

  • Passive;
  • Automatic;
  • Guaranteed for life; or
  • Achievable “without work” or “while you sleep.”

5. Listing-Packs, Courses, and Other Products Are Not Investments

5.1 Product Nature of Listing-Packs

WeMillionaires provides an eDirectory marketplace where members can buy listing-packs and related digital services. These listing-packs are:

  • Marketing and visibility tools;
  • Designed to help you showcase your services, business, or offerings;
  • Not securities, stocks, bonds, or investment contracts.

5.2 No Investment or Profit-Sharing Promise

Purchasing any WeMillionaires membership, listing-pack, course, or digital product:

  • Does not give you ownership in WeMillionaires;
  • Does not entitle you to company profits or equity;
  • Does not constitute an investment in WeMillionaires or any collective investment scheme.

5.3 No “ROI” or Investment-Style Claims

You must not market WeMillionaires products or listing-packs using:

  • “Guaranteed ROI,” “risk-free investment,” or similar investment-style language;
  • Promises of doubling or tripling money; or
  • Implied or explicit claims that a listing-pack or membership is an investment or securities-like product.

You may discuss potential business benefits (e.g., increased visibility, leads) only if they are truthful, not misleading, and properly qualified with disclaimers about risk and the absence of guaranteed results.

6. Prohibited Income and Lifestyle Claims by Members

6.1 Banned Claims

When promoting WeMillionaires, you must not directly or indirectly:

6.1.1 Promise or guarantee specific income levels (e.g., “You will earn $10,000 per month”);

6.1.2 Claim that any person “will” or “is certain to” quit their job, become financially free, or achieve specific lifestyle outcomes;

6.1.3 Use words or phrases that imply income is:

  • Guaranteed;
  • Easy;
  • Quick;
  • Passive or “hands-off”;
  • Available “for everyone who signs up.”

6.2 Use of Lifestyle Imagery

If you use images or descriptions of luxury lifestyles (cars, homes, vacations, designer goods, etc.) in connection with WeMillionaires:

  • You must have a clear, prominent disclaimer that such imagery is illustrative only and does not represent typical or expected results;
  • You must not imply that these lifestyles are common, typical, or guaranteed for WeMillionaires members.

6.3 Testimonials and Endorsements

If you share your own or others’ stories about income or results achieved with WeMillionaires:

6.3.1 You must only share truthful, accurate, and documented experiences.

6.3.2 You must clearly disclose:

  • That the results are not typical;
  • That typical/average income for most members is currently $0;
  • That individual results vary based on effort, skills, market conditions, and other factors.

6.3.3 If you receive any compensation, free access, or commission for promoting WeMillionaires, you must clearly disclose that you are a paid affiliate or participant in compliance with FTC Endorsement Guides (16 C.F.R. Part 255).

6.4 No Misrepresentation or Omission

You must not:

  • Exaggerate actual earnings or success;
  • Hide significant costs, risks, or effort required;
  • Falsely imply that WeMillionaires has made you or others wealthy if that is not accurate and supported.

7. Compliance with U.S. Federal and State MLM Laws

7.1 Federal Law and FTC Guidance

WeMillionaires intends to operate in compliance with:

  • U.S. federal law prohibiting deceptive or unfair practices; and
  • The FTC’s 2018 Business Guidance Concerning Multi-Level Marketing.

You agree that you will:

  • Follow all FTC rules and guidance when promoting WeMillionaires;
  • Not operate or promote WeMillionaires in any way that could be considered a deceptive or illegal pyramid scheme, chain distribution scheme, or similar unlawful arrangement.

7.2 State MLM and Business Opportunity Statutes

Many U.S. states regulate MLM, network marketing, and business-opportunity programs, including but not limited to:

  • Wyoming
  • Montana
  • Georgia
  • Maryland
  • Texas

and others.

Some of these states require:

  • Registration or filings;
  • Specific disclosures;
  • Restrictions on certain marketing claims.

7.3 Your Responsibility to Comply with State Laws

You are responsible for:

  • Understanding and complying with the laws of the state(s) and countries where you promote or enroll others into WeMillionaires;
  • Seeking your own legal advice regarding state MLM and business-opportunity requirements.

WeMillionaires does not provide you with legal advice or guarantee that your personal marketing methods comply with each state’s laws. If WeMillionaires provides guidance or templates, they are for informational purposes only and do not substitute for personalized legal advice.

7.4 Registration and Licensing

If your activity with WeMillionaires in a specific state triggers:

  • Business-opportunity registration;
  • Seller-of-business-opportunities licensing; or
  • Any other regulatory requirements,

you must complete all such requirements at your own cost and responsibility, unless WeMillionaires explicitly agrees in writing to do so.

8. Geographic Restrictions and Sanctioned Jurisdictions

8.1 Restricted Countries and Regions

WeMillionaires membership and commission programs are not available, and signup is blocked, in the following locations:

  • Cuba
  • Iran
  • North Korea
  • Syria
  • Russia
  • Belarus
  • Myanmar
  • Venezuela
  • Sudan
  • South Sudan
  • Afghanistan
  • Crimea region
  • Donetsk and Luhansk regions
  • Any other jurisdiction subject to U.S. OFAC sanctions (collectively, “Restricted Jurisdictions”).

8.2 No Promotion in Restricted Jurisdictions

You must not:

  • Market or offer WeMillionaires memberships, products, or income opportunities to individuals or entities in Restricted Jurisdictions;
  • Facilitate signups or payments from Restricted Jurisdictions (including by using intermediaries).

9. The FTC Safe-Harbor–Style Statement

9.1 Forward-Looking Statements and Projections

Any statements about future earnings or growth are forward-looking statements and are inherently uncertain. Such statements are based on assumptions and expectations that may not materialize.

9.2 Standard FTC Safe-Harbor Language

Whenever you or WeMillionaires discuss potential income, use the following or substantially similar disclosure, clearly and prominently:

Earnings Disclaimer: There is no guarantee that you will earn any money using the techniques, ideas, products, or opportunities provided by or through WeMillionaires. Any income or earnings statements are estimates or examples only and should not be considered as average, typical, or guaranteed. Your results will vary and depend on many factors, including but not limited to your background, experience, work ethic, and market conditions. Past performance is not a guarantee of future results. WeMillionaires does not provide financial, investment, or legal advice. You should perform your own due diligence and consult your own professional advisors before making any financial decisions.

You must not remove or materially alter this disclaimer when using it in your marketing.

10. Member Obligations in Marketing and Communications

10.1 Truthful and Non-Misleading Statements

You agree that all claims you make about WeMillionaires, including income, product benefits, or business opportunities, will:

  • Be factually accurate;
  • Not omit material information necessary to prevent deception;
  • Be supported by actual data or evidence where required by law.

10.2 Use of Official Materials

If WeMillionaires provides official:

  • Earnings disclosures;
  • Average or median income statements;
  • Approved marketing materials,

you will:

  • Use them as provided, without altering key figures, disclaimers, or context;
  • Remove or update them promptly if WeMillionaires instructs you to do so.

10.3 Cooperation with Compliance Reviews

WeMillionaires may review your marketing and promotional activities for compliance. You agree to:

  • Provide copies or screenshots of your WeMillionaires-related ads, posts, or materials upon request;
  • Correct or remove any non-compliant materials promptly when directed.

11. No Professional Advice; Independent Business Responsibility

11.1 No Legal, Tax, or Financial Advice

WeMillionaires does not provide:

  • Legal advice;
  • Tax advice;
  • Investment or financial advice;
  • Business or accounting advice.

You are responsible for consulting your own licensed professionals.

11.2 Your Business, Your Risk

You are operating your own independent business activities when you use WeMillionaires to sell services, courses, or listings. You bear all risk for:

  • Business success or failure;
  • Compliance with laws and regulations;
  • Taxes, fees, and other obligations.

12. Consequences of Violating This Disclosure

12.1 Enforcement Rights

If WeMillionaires determines, in its sole discretion, that you have violated this Disclosure or any applicable law through your WeMillionaires-related marketing or activity, WeMillionaires may take any one or more of the following actions, with or without notice:

  • Issue a warning or request for corrective action;
  • Require you to revise or remove non-compliant marketing materials;
  • Suspend or terminate your WeMillionaires account and access;
  • Withhold, delay, or permanently forfeit commissions or payments;
  • Report suspected unlawful conduct to authorities or regulators.

12.2 Indemnification

To the fullest extent permitted by law, you agree to indemnify and hold harmless WeMillionaires, its owners, officers, employees, and agents from and against any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of or related to:

  • Your marketing or promotional activities;
  • Your violation of this Disclosure, WeMillionaires’ Terms, or applicable law;
  • Any misrepresentation or deceptive act by you in connection with WeMillionaires.

13. Changes to this Disclosure

13.1 Right to Update

WeMillionaires may update or modify this Disclosure at any time, in its sole discretion, to reflect:

  • Changes in law or regulation;
  • Changes in our business model or compensation structure;
  • Compliance concerns or risk management needs.

13.2 Notice of Changes

When we make material changes, we may provide notice through:

  • Posting an updated version on our website;
  • Emailing you at the address associated with your account; or
  • In-app or dashboard notifications.

Your continued use of WeMillionaires after changes are posted constitutes your acceptance of the updated Disclosure.

14. Governing Law and Dispute Resolution

14.1 Governing Law

This Disclosure, and any dispute or claim arising out of or relating to it or your use or promotion of WeMillionaires, shall be governed by and construed in accordance with the laws of the District of Columbia, United States of America, without regard to its conflict of laws principles.

14.2 Forum Selection

You and WeMillionaires agree that any legal suit, action, or proceeding arising out of or related to this Disclosure or your use or promotion of WeMillionaires shall be instituted exclusively in the state or federal courts located in the District of Columbia, United States of America.

You consent to the personal jurisdiction of such courts and waive any objection to venue or forum based on inconvenience or any similar doctrine.

15. Contact Information

If you have questions about this Earnings Disclaimer & Income Representation Disclosure, you may contact:

WeMillionaires
3829 Pennsylvania Ave SE
Washington DC 20020
United States of America

Email: info@wemillionaires.com