Governance, Policies, and Ethics

SHAREDMARGIN is a regenerative commerce system that redistributes margin from everyday purchases back to active participants — empowering individuals and communities through Margin-Back Units (MBU), Jegnaship, and merchant incubation.

While SHAREDMARGIN borrows structural elements from multi-level marketing (MLM), it firmly rejects exploitative practices. These policies outline the ethical framework and operational guidelines for all SHAREDMARGIN Affiliates and SHAREDMARGIN Licensed Operators (SLO).

These policies are not just rules — they are reflections of our values. As SHAREDMARGIN grows, so does our shared responsibility to uphold fairness, transparency, and economic dignity.

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All SHAREDMARGIN participants are expected to uphold the highest standards of integrity, transparency, and respect.

• ✓5.1.1 Conduct all SHAREDMARGIN-related activities ethically and honestly.
• ✓5.1.2 Avoid exaggerated claims about income or product benefits.
• ✓5.1.3 Support and be a Jegna to downline Affiliates.
• ✓5.1.4 Refrain from disparaging other companies or participants.
• ✓5.1.5 Do not use SHAREDMARGIN affiliation to promote unrelated business interests.
• ✓5.1.6 Comply fully with SHAREDMARGIN policies and procedures.

• ✓5.2.1 Applicants must be of legal age and complete the official registration form.
• ✓5.2.2 Membership begins at Affiliate level; progression follows rank logic.
• ✓5.2.3 Married couples may hold memberships within the same sponsorship line — one sponsoring the other. This provision does not extend to other family members or domestic partners.
• ✓5.2.4 SHAREDMARGIN reserves the right to accept or decline applicants.
• ✓5.2.5 Affiliates may choose their sponsor upon registration.
• ✓5.2.6 Cross-sponsorship and cross-recruiting are prohibited.
• ✓5.2.7 Sponsorship disputes are resolved by SHAREDMARGIN based on first application or consistent engagement.

• ✓5.3.1 Margin-Back Units (MBU) are earned from purchases within five levels of downline.
• ✓5.3.2 Affiliates must maintain $100 SHAREDMARGIN Volume (SMV) per month to remain active.
• ✓5.3.3 Inactivity beyond 90 days may result in deactivation.
• ✓5.3.4 SMV is based on retail sales volume; non-Affiliate purchases accrue to the referring Affiliate.

• ✓5.4.1 Sponsorship transfers require written resignation and a 3-month waiting period.
• ✓5.4.2 Resigning Affiliates forfeit their downline and rank. The entire downline rolls up to the resigning Affiliate's sponsor.
• ✓5.4.3 Rejoining is permitted after 3 months for those who resigned voluntarily in good standing.
• ✓5.4.4 Upon death, Margin-Back Units and network position may transfer to a named heir with proper documentation, subject to a minimum of 3 months of active membership at the time of passing.

• ✓5.5.1 Affiliates may advertise ethically and legally as independent participants without prior SHAREDMARGIN approval, provided the advertising does not imply corporate representation.
• ✓5.5.2 Use of the SHAREDMARGIN name, logo, or trademarks requires written approval and must clearly state "Independent Affiliate".
• ✓5.5.3 Affiliates must not imply SHAREDMARGIN corporate representation in calls, messaging, or advertising materials.
• ✓5.5.4 Use of SHAREDMARGIN branding in any form requires prior written approval from SHAREDMARGIN.

• ✓5.6.1 SHAREDMARGIN Licensed Operators (SLOs) are responsible for their own business expenses and tax compliance.
• ✓5.6.2 Affiliates are independent participants — not employees or franchisees of SHAREDMARGIN.
• ✓5.6.3 Downline reports and internal data are confidential and must not be shared outside the network.
• ✓5.6.4 Front-loading purchases to qualify for commissions or rank advancement is strictly prohibited.
• ✓5.6.5 All product and income claims must align with official SHAREDMARGIN materials.

• ✓5.7.1 SHAREDMARGIN maintains a zero-tolerance policy for unethical conduct.
• ✓5.7.2 SHAREDMARGIN may suspend, place on probation, or terminate Affiliates for violations.
• ✓5.7.3 Terminated Affiliates must immediately cease all SHAREDMARGIN representation.
• ✓5.7.4 Termination includes forfeiture of Margin-Back Units wallet balance and network position.
• ✓5.7.5 Affiliates may appeal termination within 10 business days of notification.
• ✓5.7.6 Affiliates terminated for cause may not rejoin under any circumstances. This is distinct from voluntary resignation, after which rejoining is permitted following the 3-month waiting period.
• ✓5.7.7 SHAREDMARGIN may amend policies at any time; updates are binding once published on sharedmargin.com.
• ✓5.7.8 SHAREDMARGIN does not waive enforcement rights unless explicitly stated in writing.
• ✓5.7.9 These policies are governed by the laws of Barbados for Caribbean members, and by the laws of Kenya and Ghana respectively for members in those territories.
• ✓5.7.10 If any portion of these policies is deemed invalid by a competent authority, the remainder continues in full effect.

• ✓5.8.1 Do not use contact lists from other MLM organisations to recruit SHAREDMARGIN members.
• ✓5.8.2 Do not promote SHAREDMARGIN using trademarks or materials from other MLM networks.

An Affiliate who wishes to transition to merchant (SLO) status follows this process:

• ✓5.9.1 The transitioning Affiliate resigns from the SHAREDMARGIN consumer compensation and progression structure. Their entire consumer downline rolls up to their former sponsor.
• ✓5.9.2 The transitioning Affiliate enters into a SHAREDMARGIN Licensed Operator agreement with SHAREDMARGIN.
• ✓5.9.3 This transition is a one-way process and should be considered carefully. The Affiliate's consumer network position cannot be recovered after transition.
• ✓5.9.4 As an SLO, the former Affiliate now participates in the merchant reward structure — earning the 8% base participation dividend and merchant override credits.

• ✓5.10.1 Margin-Back Units (MBU) are earned from purchases within five levels of downline.
• ✓5.10.2 Affiliates must maintain $100 SHAREDMARGIN Volume (SMV) per month to qualify for rank advancement and maintenance.
• ✓5.10.3 Inactivity beyond 90 days — defined as zero purchases on the platform — may result in deactivation of override credit flow to the upline. Reactivation occurs automatically on the next qualifying purchase.
• ✓5.10.4 SMV is based on retail sales volume transacted on the SHAREDMARGIN e-commerce platform. Non-Affiliate purchases made on behalf of a non-member accrue to the referring Affiliate.

• ✓5.11.1 All formal notices, official communications, and compliance matters should be submitted via email to: compliance@sharedmargin.com
• ✓5.11.2 General support enquiries: support@sharedmargin.com
• ✓5.11.3 Merchant relations: merchants@sharedmargin.com
• ✓5.11.4 Platform website: sharedmargin.com

"These policies are not just rules — they are reflections of our values. As SHAREDMARGIN grows, so does our shared responsibility to uphold fairness, transparency, and economic dignity."