MJPM' CODE OF ETHICS

PREAMBLE

Welcome to MJPM’s Code of Ethics, a guiding document that outlines the principles, values, and standards of behavior expected from all members of our organization. In today's complex and interconnected world, upholding ethical standards is paramount to fostering trust, integrity, and accountability within our community. Our Code of Ethics serves as a compass, directing us towards ethical decision-making and responsible actions in all aspects of our operations.

At the heart of our Code of Ethics lies a commitment to honesty, fairness, and respect. These core values form the foundation upon which we build relationships with our clients, colleagues, partners, and the wider society. By adhering to the principles outlined in this code, we strive to create a culture of integrity and transparency, where ethical conduct is not only expected but celebrated.

Our Code of Ethics is more than just a set of rules; it is a reflection of our organization's commitment to making a positive impact on the world. It guides us in navigating complex ethical dilemmas, ensuring that our decisions are aligned with our values and principles. In an ever-changing environment, our Code of Ethics provides stability and clarity, helping us to uphold the highest standards of professionalism and integrity.

As members of this organization, we each have a responsibility to familiarize ourselves with the principles outlined in this code and to integrate them into our daily practices. By embracing these principles, we demonstrate our dedication to ethical conduct and our commitment to building a better future for ourselves and those we serve.

01 GENERAL

1.1 GLOSSARY OF TERMS

For the purposes of this code, capitalized terms are defined as follows:

• The Company: An entity engaged in business that utilizes a Direct Selling distribution system to market its products.
• Member: Any individual who purchases and utilizes products from an Independent Direct Seller or a Company.
• Independent Direct Seller: An individual or entity authorized to purchase and/or sell a Company's Products, with potential authorization to recruit other Independent Direct Sellers. Independent Direct Sellers primarily market member products directly to Members outside of permanent, fixed retail locations, often through product demonstrations or explanations. An Independent Direct Seller may function as an independent commercial agent, contractor, dealer, distributor, recruiter, or any similar sales role for a Company.
• Purchase Form: A printed or written document confirming the details of a member's order and providing a sales receipt. In the case of online purchases, a form presenting all terms of the transaction in a printable or downloadable format.
• Product: Tangible and intangible member goods and services.
• Recruitment: Any activity conducted with the intention of aiding an individual in becoming an Independent Direct Seller.

1.2 COMPANY

The Company commits to adopting and enforcing a code of conduct that includes, at the very least, the provisions outlined in this Code. Additionally, companies pledge to disseminate this Code, its key terms relevant to members and Independent Direct Sellers, and information on where members and Independent Direct Sellers can access a copy of this Code.

1.3 INDEPENDENT DIRECT SELLERS

While Independent Direct Sellers are not directly bound by this Code, they are required by the Company with which they are affiliated to comply with the conduct rules outlined in this Code as a condition of participation in the Company’s distribution system.

1.4 SELF-REGULATION

While this Code does not carry the force of law, it imposes ethical standards on Independent Direct Sellers that either align with or surpass applicable legal requirements. Failure to adhere to this Code does not entail civil liability. Upon termination of a Company's membership, it is no longer bound by this Code; however, the Code's provisions remain applicable to events or transactions occurring during the Company's membership.

1.5 LOCAL REGULATIONS

Independent Direct Sellers must abide by all legal requirements in any country where they conduct business. Therefore, this Code does not reiterate all legal obligations; compliance with laws pertaining to Direct Selling is a prerequisite for acceptance into or continued participation in this distribution system.

1.6 EXTRATERRITORIAL EFFECT

The Company commits to requiring each member, as a condition of admission and ongoing membership, to adhere to the Codes of Conduct for Direct Selling concerning direct selling activities outside their home country, unless these activities fall under another jurisdiction of Codes of Conduct.

02 CODE OF CONDUCT

2.1 Deceptive or Unlawful Member or Recruiting Practices

• a. Prohibition of Deceptive Practices: Independent Direct Sellers of the Company shall not engage in any deceptive, false, unethical, or unlawful member or recruiting practices. The Company will ensure that no misleading statements, promises, or testimonials are made to members or prospective independent salespeople.
• b. Legal Compliance: The Company and its Independent Direct Sellers must comply with all applicable laws. Compliance with all pertinent laws is a condition of participation in direct selling.
• c. Accuracy and Completeness of Information: Information provided by the Company and its Independent Direct Sellers to prospective or current Independent Direct Sellers must be accurate and complete. The Company and Independent Direct Sellers shall not make unverifiable factual representations or unfulfillable promises. They must not present the selling opportunity deceptively.
• d. Prohibition of Misleading Purchase Inducement: The Company and Independent Direct Sellers shall not induce purchases based on the representation that members can recover the purchase price by referring others if such recovery violates applicable referral sales laws.
• e. Written Agreements: The Company shall provide Independent Direct Sellers with a written agreement or a downloadable electronic statement, outlining the relationship between the Independent Direct Seller and the Company. The Company shall inform Independent Direct Sellers of their legal obligations, including handling licenses, registrations, and taxes.
• f. Periodic Accounts: The Company shall provide Independent Direct Sellers with periodic accounts detailing sales, purchases, earnings, commissions, bonuses, discounts, deliveries, cancellations, and other relevant data. Payments and withholdings shall be conducted in a commercially reasonable manner.
• g. Respect for Members: Independent Direct Sellers shall respect members' lack of commercial experience and not exploit their trust, age, illness, handicap, lack of understanding, or unfamiliarity with a language.

2.2 Products, Services, and Promotional Materials

• a. Truthful Product Representation: The Company and Independent Direct Sellers shall ensure that product or service offers are accurate regarding price, grade, quality, make, value, performance, quantity, model currency, and availability. All product claims must be substantiated and not misleading. Member orders shall be fulfilled timely.
• b. Prohibition of Misleading Comparisons: Neither the Company nor Independent Direct Sellers shall make misleading comparisons of other companies' products or services. Comparisons must be based on verifiable facts. They shall not denigrate other companies or products unfairly or exploit their goodwill.
• c. Accuracy in Promotional Materials: Promotional literature, advertisements, and mailings must not contain deceptive or misleading descriptions, claims, photos, or illustrations. Such materials should include the Company's name and contact information.
• d. Accurate Member Information: Independent Direct Sellers shall provide members with accurate information on price, credit terms, payment terms, cooling-off periods, return policies, guarantees, after-sales service, and delivery dates. Only authorized product claims should be made.

2.3 Terms of Sale

• a. Written Orders or Receipts: A written order or receipt shall be provided to members at or before the time of the initial sale. For non-face-to-face sales, a copy of the order form must be provided, included in the initial order, or made available online. The order form must clearly state:
  1. Terms and conditions of sale, including total payment required.
  2. Identity and contact information of the Company or Independent Direct Seller.
  3. Terms of guarantee or warranty and after-sales service details.
• b. Cooling-Off Period: The Company and Independent Direct Sellers must offer a cooling-off period allowing members to withdraw from a purchase within a minimum of three business days for a full refund. This applies equally to direct and distance sales.
• c. Right of Return: Any right of return offered, whether conditional or not, must be provided in writing.

2.4 Warranties and Guarantees

Warranties and guarantees must fully comply with federal and state laws. The manufacturer, distributor, and/or seller must promptly fulfill all warranty and guarantee terms offered to members.

2.5 Identification and Privacy

• a. Sales Presentation Identification: At the beginning of sales presentations, Independent Direct Sellers must clearly identify themselves, the company, the nature of the products or services, and the reason for the solicitation. Contact must be polite and during reasonable hours. Presentations must stop upon the member’s request.
• b. Privacy Protection: The Company and Independent Direct Sellers must safeguard all private information provided by members or Independent Direct Sellers.

2.6 Pyramid Schemes

• a. Prohibition of Pyramid Schemes: Pyramid or endless chain schemes are prohibited. The DSA Code Administrator will determine violations in accordance with applicable laws.
• b. Remuneration Basis: Companies shall remunerate Independent Direct Sellers based on sales of products or services purchased for actual use or consumption, including sales and personal consumption by Independent Direct Sellers and their downlines.
• c. Earnings from Recruitment: Independent Direct Sellers shall not receive earnings solely for recruiting others, except for minimal incentives allowed by law.

2.7 Fees

• a. Prohibition of Excessive Fees: The Company and Independent Direct Sellers cannot demand excessive fees for entrance, training, promotional materials, or participation in the company’s distribution system.
• b. Starter Kit Purchases: Mandatory purchase of a starter kit is allowed if legally permissible. Any mandatory fees must be refundable if the Independent Direct Seller terminates membership within the cooling-off period.
• c. Prohibition of Recruitment-Based Commissions: Commissions based on fees charged for becoming or remaining an Independent Direct Seller, which effectively serve as recruitment compensation, are prohibited.

2.8 Other Conduct Standards

• a. Prohibited Practices: Independent Direct Sellers are prohibited from engaging in misleading, deceptive, or unfair sales practices.
• b. Explanation and Demonstration: Independent Direct Sellers must provide accurate explanations and demonstrations of products, including pricing, payment terms, cooling-off periods, after-sales service, and delivery schedules. Claims should be authorized by the Company.
• c. Literature: Promotional literature must not contain false or misleading information. It should include the Company’s contact details.
• d. Testimonials: Unauthorized, false, outdated, or misleading testimonials are prohibited.
• e. Comparison and Denigration: Misleading comparisons and unfair denigration of other companies or products are prohibited.
• f. Delivery: The Company and Independent Direct Sellers must fulfill member orders promptly.

3. Independent Direct Seller Compliance and Training

• a. Compliance: The Company must ensure Independent Direct Sellers adhere to this Code.
• b. Recruiting Practices: Misleading, deceptive, or unfair recruiting practices are prohibited.
• c. Business Information: Information provided to Independent Direct Sellers must be accurate and comprehensive. Unverifiable claims or unfulfillable promises are prohibited.
• d. Earnings and Accounts: Independent Direct Sellers should receive periodic accounts detailing their business activities. Payments should be conducted reasonably. Earnings should come from sales, not recruitment.
• e. Earnings Claims: Misrepresentation of potential earnings is prohibited. Claims must be truthful and based on documented facts.
• f. Written Agreements: The Company should provide Independent Direct Sellers with a written agreement or electronic statement outlining their relationship and legal obligations.
• g. Inventory Loading and Repurchase: The Company should not encourage excessive inventory purchases. They must repurchase unsold, resalable inventory upon termination, refunding the original cost minus handling charges.
• h. Other Materials: Independent Direct Sellers must not market unauthorized materials. Sales aids should be reasonably priced, and their purchase must not be mandatory.
• i. Training: The Company must provide adequate training to enable ethical business conduct.

By adhering to this Code, the Company and its Independent Direct Sellers will maintain ethical practices and foster trust with members and prospective Independent Direct Sellers.

Contact Us

Should you have any concerns, queries, requests, or complaints regarding the Code of Ethics, please reach us directly during office hours as below:

• Email: info@mjpmplan.com
• Contact Number: +60 3-9226 6706 | +60 11-13086711
• Address: A-9-1, Block A, Level 9, Menara Uncang Emas, Jalan Loke Yew, Cheras, 55200 Kuala Lumpur, Malaysia.