The document outlines the business model and operations of Dicettera LLC, an online eBook club that offers membership plans and provides access to an on-demand eBook collection and the Google eBook library. Membership plans include the Rover plan for occasional purchases and the Referral Broker plan which allows members to earn commissions for referrals and customer support. Benefits of the Referral Broker plan include monthly commissions from purchases by referrals and bonuses for successful referrals.

1. Dicettera
LLC

2. The
User
Manual
2

3. All rights reserved. Only legitimate members of Dicettera LLC are allowed to
download or print this manual, and they may only do so for bona fide Dicettera-
business purposes. However, no part of this manual may be reproduced without
written permission from Dicettera LLC
@ 2011 Dicettera LLC
3

4. Table of Contents
Preface ………………………………………………………………………….......... 5
Chapter 1: Business Commodity ……………………………………………….......... 7
Chapter 2: Membership …………………………………………………………........ 13
Chapter 3: Value Analysis ………………………….……………………………….... 21
Chapter 4: Benefits ……………………………………………………………………. 25
Chapter 5: Fees & Payment ……………………………………………………………. 31
Chapter 6: Marketing ………………………………………………………………..... 35
Chapter 7: Consumer Protection …………………………………………………….... 44
4

5. Preface
The name Dicettera (d-setra) was created from two concepts: digital and etcetera. Only
digital reading material is offered, of a varied nature which reflects the origins of the
name. The Dicettera model was inspired by the need for an exclusive website that
reviews and recommends eBooks to its members.
Essentially, Dicettera LLC is an online eBook club; specializing in fiction and non-
fiction eBooks. However, our vision is to expand our products to include electronic
textbooks, magazines, journals, newspapers, documentaries and movies. Our eBooks are
among the most popular and useful in the market, and are available at the most
competitive online rates.
Our membership plans are unique, but have been tested and proven to be prudent
bargains. The plans were designed in compliance with evidence-based financial
standards, and are expected to generate attractive benefits.
The transactions conducted in Dicettera are entirely electronic: from the creation of an
account to the format for use of an eBook. Our eBooks are offered in PDF, but our vision
is to offer an array of formats. Also, our eBooks may be used without downloading any
special electronic reading software. However, some eBooks may be published in a format
that requires the download of free software.
5

6. Our eBooks may be used from any electronic reading device, such as a personal
computer or mobile device.
Our members engage in multiple types of discussions on our site, including eBook
reviews and blogs. Members may also create or join various interest groups - such as the
fans of a particular author or genre. In addition, our members use Facebook and Twitter
to network and blog about our products.
The vision of Dicettera LLC is to offer electronic books, periodicals and membership
plans to millions around the world. We hope to create a revolution in the eBook industry
– providing unrivalled products, opportunities and benefits to our members.
6

7. Chapter
1
Business
Commodity
7

8. The Business Commodity
Dicettera LLC specializes in the retail of fiction and non-fiction eBooks.
Membership plans are offered by registered brokers of Dicettera LLC, and the
registration may be completed at dicettera.com. The registration process is user-friendly
and is designed to ensure simplicity.
Although the eBooks offered by Dicettera LLC are available for purchase from various
websites and stores across the United States, Dicettera is proud to be the only company to
offer consumers the option of purchasing eBooks in a highly engaging social-media site.
8

9. eBook Formats
Currently, our eBooks are offered only in PDF format. However, we have plans to
expand to multiple formats in the near future. PDF eBooks may be used from multiple
platforms and have various benefits:
Platforms:
a. Windows Computer or Tablet PC
b. Macintosh Computer
c. Mobile and reading devices that are internet-enabled (except
proprietary devices, such as the kindle)
d. Pocket PC and Palm. (However, additional software may be required
to use Palm).
Benefits:
a. Our PDF’s can be printed
b. Easy to bookmark
c. Easy to search
d. Easy to highlight material.
9

10. About On-Demand
What is it?
“On-demand” is a collection of eBooks. Members may purchase any eBook from
the collection at any time.
How do I get access to the eBooks in the on-demand collection?
a. The “on-demand” collection is on the left side of the homepage; click on
either “fiction” or “non-fiction.”
b. Click on any eBook of interest in the menu
c. The purchase tab is at the bottom of each eBook page.
What happens after an eBook is purchased?
The eBook is deposited into “My Library.” My Library is located in the primary
menu (Upper area of home-page).
May I save the eBook?
Once purchased, members are advised to save their eBooks on their computer or
device. Generally, members may access an eBook in “My Library” from a
maximum of 3 IP addresses; members are allowed a maximum of 90 days to
download an eBook, and: members are allowed 10 downloads of a purchased
eBook. However, some publishers may have unique DRM (Digital Rights
Management) rules that may impact downloading factors. Be sure to read the
DRM / downloading rules prior to making a purchase.
10

11. Find-it
“Find-it” is an exciting dimension of our product
What is Find-it?
Find-it is a feature that accesses Google eBooks. This feature takes the user to the Google
eBook-store where over 3 million eBooks may be read on the Web and other devices,
such as; Android, iPhone, iPad, Sony and N2ook.
How to access it?
a. The tab is located in the collections area on the left side of the homepage
b. Click “Find-it”
c. Insert relevant access data
d. Insert relevant search criteria
Availability?
Members have full-time access to the collection: 24 / 7, 365 days / year. Members are
encouraged to refer to the Google site for a complete version of their terms and
conditions.
What type of eBooks are available in the collection?
A wide variety of fiction and non-fiction eBooks.
Google provides a user-friendly interface for searching through the millions of eBooks in
its collection: one may search by Title / subject, author, ISBN #, or one may simply
browse the collection under a genre of interest.
11

12. Why Consumers Use our Resources?
1. Our eBooks are available at highly competitive rates. In some cases, members
save 25% - 45% on purchases. The low cost is due to the fact that the product is
an electronic one – a factor that reduces the production cost.
2. Using our eBooks is easy. The eBooks are presented in a simple interactive
interface, and may be accessed with minimal navigation.
3. Our product is environmentally friendly. The fact that our product is electronic
promotes less use of paper. The reduction in the use of paper ultimately leads to a
reduction in the “cutting of trees.”
4. It’s convenient to use our eBooks: members may browse, buy, read and store their
eBooks without having to leave the comfort of their home. eBooks have been
found to be highly appealing to a large cross section of the population:
a. Professionals and business people who want to keep texts on their PC’s
b. Educators who refer to eBooks from their laptop during meetings or
classes.
c. Owners of PDAs and smart phones who want to read on the move
d. Students and researchers who want to be able to search hundreds of pages
of a book in seconds.
e. People who can’t wait a few days for physical delivery.
f. Residents of isolated communities who want instant access to reading
material.
12

13. Chapter
2
Membership
13

14. Membership Plans
The Rover Membership Plan
Designed for individuals who would only like to purchase eBooks occasionally,
the Rover Member has access to the On-demand and Find-it collections. The
Rover Member is not allowed to make referrals, and as such, is not eligible to
receive financial benefits.
The Referral-Broker Plan
The Referral Broker Plan is designed for individuals who would like to make
referrals, as well as purchase eBooks occasionally. Referral Brokers are eligible to
receive financial benefits and have access to the on-demand and Find-it
collections.
14

15. The Rover Membership
The following table highlights the main components of the Rover Membership Plan:
Particulars Expectation Comments
Required to pay an application fee? No Only brokers are required to pay
an application Fee
Required to pay monthly fees? No Rover-Members only pay when an
eBook is purchased
Eligible to receive monthly No Only brokers are eligible to
commissions? receive a monthly commission
Required to pay an annual renewal No There are no annual fees in
fee? Dicettera!
Required to view the business Yes The business presentation provides
presentation? critical information about the
expectations of your membership.
15

16. The Referral Broker Plan
The following table highlights the main components of the Referral Broker Plan:
Particulars Expectation Comments
Required to pay the registration fee? Yes $100
Required to pay monthly fees? Yes $29.95
Eligible to receive monthly Yes Commissions are paid for
commissions? purchases made by the referrals of
the broker.
Regarded as an independent Yes Brokers are not employees of
contractor? Dicettera LLC; they are
independent contractors.
Must have a college degree or a high No One is not required to have any
school diploma? formal education to become a
broker.
Required to pay an annual renewal No There are no annual fees to be
fee? paid!
Required to make referrals? No Brokers are encouraged, but not
required, to make referrals
Required to resign from “day job”? No Brokers are not required, or
encouraged, to resign from any job
16

17. Membership Plans – An Overview
The following table presents an overview of the membership plans:
The Access Referral Monthly Application
Options Privileges Fees Fees
The Rover a. On-Demand None $0 None
Membership b. Find-it
Plan
The Referral a. On-Demand Full $29.95 $100
Broker b. Find-it
Plan
17

18. About Referral Brokering
Referral Brokers conduct 2 main activities:
1. Make Referrals
Brokers are encouraged, but not required, to make referrals:
a. Invite a prospective member(s) to a business meeting.
b. During the business meeting, allow the prospective member(s) to view
the automated business presentation on the website.
c. Encourage prospective member to register.
2. Customer Support
Brokers are the designated customer service representative for their referrals.
The services are based on need, as requested by the referral, but may include:
a. Technical support in relation to:
i. Purchase and use of eBooks
ii. Conducting business / personal transactions on the website.
b. Making changes in an account
i. Personal information
ii. Financial Information
c. Any customer service request
18

19. How to Become a Member?
Step 1: The Invitation
The prospective member is invited to a business presentation. The invitation is
extended by the affiliate broker, and the meeting may be conducted at any
location and time agreed upon by both parties. However, in cases where face-to-
face contact is not possible, the affiliate broker may email a link to the business
presentation. But affiliate brokers should be mindful that the email option is less
effective than the face-to-face option.
Step 2: The Business Presentation:
The 3-part business presentation is designed to introduce the prospective member
to the Dicettera business model.
Step 3: Registration
Registration is designed to be a short and simple process. Usually, the process is
completed within 1-2 minutes. Registration is required of everyone interested in
becoming a Rover Member or Referral Broker. (Refer to instructions on using the
registration-link below).
Dicettera LLC offers a 10-day money-back guarantee to its brokers. Essentially,
the guarantee allows brokers to engage in full-fledged referral brokering, with the
assurance that a refund of the registration fee will be made – upon request.
19

20. The Registration Link
The “Registration Link” is a cookie-tracking feature used by Dicettera to identify the
affiliate broker responsible for the registration of new members. It is extremely
important for brokers to be aware of the feature, and to know how it works. This
feature ensures that affiliate brokers are duly compensated for the purchases of their
referrals. If a new member fails to use the registration link, our system would be unable
to identify the affiliate broker who was responsible for the registration. As such, the
affiliate broker would not be compensated for the purchases of that new member.
How to Use the Registration Link:
1. Copy the unique registration-domain-code from the task bar in “My Account.”
a. Go to the homepage and click “My Account”
b. Click “My Registration Code”
c. The unique registration-domain-code will appear in the task bar at the
top of the screen.
d. Highlight and copy the link.
2. Paste the registration domain code in an email to the recipient. Inform the
recipient of the need to use the registration-link when registering, as it has
implications for the subsequent payment of commissions and bonuses.
20

21. Chapter
3
Value
Analysis
21

22. The Dicettera Model vs. a Regular Job
The following is a comparison of the 2 models:
Particulars Regular Job The Dicettera Model
Application Required to apply, and Required to register
vs. positions are highly
Registration competitive
Is it designed for the Yes Yes
employee or broker to earn
an income?
No Yes
Are the hours flexible? Usually required to work 40 Brokers decide their
hours per week: schedule, as well as the
9:00 – 5:00 number of hours they work
22

23. The Dicettera Model vs. Regular Retirement
The Dicettera Model is not a retirement plan, and is not intended to function as a
retirement plan. Therefore, brokers should not use Dicettera as a substitute for a
retirement plan. However, brokers are eligible to receive financial benefits, relative to
their account, until death – thereby providing the potential for a monthly income during
the retirement years. The following is a comparison of a regular retirement plan and a
Dicettera broker plan:
Particulars Regular Retirement Plan The Dicettera Plan
Designed to provide
financial security during the Yes Yes
retirement years?
Is one required to be a Yes No
certain age before (usually 65)
retirement?
Cost of monthly Usually between $29.95
premiums $100 - $450
Limitation on the amount Yes No
one may earn during (A retirement plan is (An individual may earn as
retirement usually designed to make a much as $3,000 monthly, or
maximum contribution to a more, during the retirement
retiree - such as $2,500.) years.
23

24. An Investment Analysis of the Plans
The following table presents a10-year projection for an affiliate broker:
Type of Plan Monthly 10-Year Referral 10-Year Projected
Premium Investment Account Benefits
Referral-Broker 100 Rover Relative to
Plan $29.95 $3,594 Members sales
(Scenario A)
Referral-Broker
Plan $29.95 $3,594 100 Referral $186,000 - $198,000
(Scenario B) Brokers
24

25. Chapter
4
Benefits
25

26. Benefits
The Referral Commission
This commission is paid to an affiliate every time a broker, who was referred by
the affiliate, submits monthly broker fees. The commission is issued for
Customer Support. Affiliate Brokers are expected to give customer support to
every referral in their account – on an as needed basis. This commission is $15
per payment.
The Broker Registration Bonus
This bonus is issued to affiliate brokers, as a reward for the successful registration
of a referral broker. This bonus is $60 per referral broker.
The On-Demand Commission
This commission is paid to affiliate brokers for purchases made by their referrals
from the On-Demand collection. This commission is 10% of the purchase.
26

27. Overview of Benefits
Product Transaction Type Benefit Frequency Unit
Amount of Benefit Amount
Broker $29.95 Commission $15 Monthly per broker
Monthly Fee
Broker $100 Bonus $60 Once per broker
Registration
Fee
On-Demand As Advertised Commission 10% Once per purchase
Purchase
27

28. The Payment Schedule
Commission and Bonus payments are disbursed on the 15th day of every month.
Payments are made for the commission and bonuses received in the previous month.
However, in the event that the 15th is on a weekend, or United States holiday, the
payment will be disbursed between the 16th and 18th.
Brokers are required to have a valid PayPal account in order to receive payments.
Failure to have or maintain a valid PayPal account will result in the forfeiture of financial
benefits. Dicettera LLC does not make retroactive payments to brokers for past
benefits. Therefore, if a PayPal account was invalid at the time of payment, any benefits
that should have been paid to the broker would be forfeited.
28

29. Benefits of Referral Brokering
1. Be Your Own Boss / Create Your Own Schedule
As an independent contractor you can work whenever you like. The internet never
closes - giving you the opportunity to work any time, 24/7. There is no greater
feeling than being able to say that you work for yourself. You can take your
business in whatever direction you choose, while going at your own pace. And
you can do so from the comfort of your very own home.
2. Work Wherever You Want
Not only can you create your own schedule, but there is nothing stopping you
from picking up your things and moving to Miami today. It also makes it
convenient to take extra-long vacations, assuming the place you stay has internet
connection.
3. Great Benefits
Brokers may earn a substantial monthly income by engaging in the business of
Dicettera. The monthly earnings are based on the amount of time one invests in
the business, and also on the level of success experienced.
29

30. Core Competencies of Dicettera
Core Competence # 1: Financial Rewards
The commissions and bonuses offered by Dicettera are attractive and are awarded
on a monthly basis.
Core Competence # 2: The 10-day Money Back Guarantee
During the 10-day Money back Guarantee brokers may enjoy all the privileges of
brokering – with the assurance that they will be given a prompt refund of their
registration fee, once requested.
Core Competence # 3: Timely Payment of Benefits
Dicettera uses an effective payment system, designed to ensure that brokers are
paid on a monthly basis.
Core Competence # 4: An Effective Marketing Model
Our marketing model is based on a unique and highly effective strategy. It is
designed to offer maximum benefits to members – based on a simple and
customer-friendly approach.
Core Competence # 5: A Unique Product
Our combined business-product is unique – no other organization offers precisely
the same product.
30

31. Chapter 5
Fees
&
Payment
31

32. Registration Fees
The following table highlights expectations in relation to registration fees.
Type of Plan Application Due Date Frequency
Fee
Rover Membership $0 N/A N/A
Referral Broker $100 With Once
Registration
Monthly Fees
The following table highlights expectations in relation to monthly fees.
Type of Monthly Due Date: Due Date: Frequency
Membership Fees First Payment Regular Payment
Rover Membership $0 N/A N/A N/A
Last day of the Last day of the Monthly
Referral Broker $29.95 registration month
month
32

33. The 10-day Money Back Guarantee
Dicettera LLC offers every broker a 10-day money back guarantee. The guarantee allows
brokers to enjoy all the privileges of brokering – with the assurance that a refund of the
registration fee will be given, if requested.
The 10-day guarantee is one of many initiatives that is designed to promote customer
satisfaction.
33

34. Receiving and Making Payments
How to make payments to Dicettera?
PayPal is the only method of making payments to Dicettera at this time, as PayPal
facilitates a convenient method of passing commission payments onto the designated
affiliate broker.
Setting-up a PayPal account is fairly quick and simple. A PayPal account may be created
in 2 minutes. Also, members have the option of using a credit/debit card to make a
payment through PayPal.
We hope to have the capability to accept other forms of payment in the near future.
How to receive payments?
Brokers are required to have a PayPal account in order to receive payments from
Dicettera. Creating a PayPal account is free; however PayPal charges a minimal fee for
each payment transaction. Please refer to PayPal for more information on charges
(https://www.paypal.com/cgi-bin/webscr?cmd=_display-fees-outside)
Brokers with an invalid PayPal account will forfeit all due benefits – until the
account becomes valid. Also, benefits are not awarded retroactively. Therefore, if a
benefit has been forfeited, the broker may no longer receive that benefit.
34

35. Chapter
6
Marketing
35

36. The Marketing Model
The following are the major tenets of the Dicettera Marketing Model:
1. Marketing Strategy
Our strategy is based on the “Direct Marketing" approach. Direct marketing is
characterized by face-to-face contact with a prospective buyer / member.
2. Personnel
The marketing of our product is conducted by registered brokers. Brokers are
independent contractors, and are compensated based on successful transactions.
3. Method
Business meetings are used as the forum to conduct referrals. Prospective
members are invited to business meetings; are allowed to view the business
presentation, and; are encouraged to register.
4. Compensation
Brokers are compensated every time a successful referral is made; monthly fees
are submitted by a referral, or; an eBook is purchased in the On-Demand
collection.
5. Tier System
While most affiliate marketing companies use the multi-tier system, Dicettera
uses the single tier compensation system. Therefore, only the affiliate broker
receives commissions and bonuses for the purchases of a referral in Dicettera. The
single tier system is a reputable and sustainable business model.
36

37. Dicettera Model vs. Traditional Marketing
The following table highlights similarities and differences between the marketing models:
Traditional Marketing Models The Dicettera Model
Financial benefits are awarded to Financial benefits are awarded to brokers
members for the sale of products for successful transactions
Agents are given a basic salary Brokers are not given a basic salary
Agents are full-time employees Brokers are independent contractors
Agents are required to work full time: Brokers are not required to use any
usually 8:00 am – 5:00 pm schedule
Agents are required to have a 12th grade Brokers are not required to have any
education and beyond. minimum education requirements.
37

38. Dicettera Model vs. Multi-Level Marketing (MLM)
The following table highlights the essential differences between the marketing models:
Multi-Level Marketing The Dicettera Model
Based on the Multi-Tier approach Based on the Single-Tier approach
Multiple agents at the top of one’s Only the affiliate broker gets a
network receive commissions for the sales commission from the purchases / payments
made by an agent of a member
Products are not always available Our products are available 24/7
Products are expensive Products are inexpensive
Agents are required to purchase products Brokers are not required to purchase
in bulk, for retail purposes anything in bulk.
Monthly benefits usually decrease when Monthly benefits would usually plateau,
new sales are not conducted when new referrals are not conducted
Agents move up a stratification system, There is no stratification system in
for selling a large quantity of products – Dicettera
such as director, associate, etc.
38

39. Dicettera Model vs. Pyramid Network Marketing
The following table highlights the essential differences between the models:
Pyramid Network Marketing The Dicettera Model
There are no real products or services for Dicettera LLC sells fiction and non-
sale fiction eBooks.
Most companies are not legally registered Dicettera LLC is a legally registered
company in Maryland, USA
Several agents may exist in an up-line Members do not have an up-line
The pyramid structure ‘collapses’ after a The structure remains stable regardless of
significantly large number of agents are the numbers.
registered
There are high registration fees The registration fee for brokers is only
$100
Marketing agents are required to pay There are no annual renewal fees
annual renewal fees
Agents are promoted to higher levels based Brokers are not promoted. There is no
on the volume of sales promotion structure in Dicettera.
39

40. Dicettera Model vs. Ponzi Schemes
The following table highlights the essential differences between the models:
Ponzi Scheme The Dicettera Model
Consumers are investors Consumers are members / brokers
Investors supposedly make money from Brokers earn money by making referrals
investments given to the investors – after a and providing customer service to their
period of time referrals.
Investors are told that their monthly Monthly fees are not invested. Once
premiums are being invested submitted the fees become the income of
Dicettera
“New Investments” are used to pay “old Brokers receive a commission – not
investors” returns from investments
The expenditure obligations are higher The expenditure obligations are lower than
than the income potential the income potential
The scheme ‘collapses’ after a large The structure remains stable regardless of
number of investors the numbers.
40

41. Referral Brokering 201
Tip # 1: Use a Time Management Model
The following are the most frequently used time management options:
a. Full time
b. Part-time
c. Seasonal
d. One-Time
e. Sporadic
Tip # 2: Make a Schedule
Your schedule is based on your time management model. For example: Tuesdays and
Thursdays: 7:30 p.m. – 8:30 p.m.., and Sundays: 5:30 p.m. – 6:30 p.m. Brokers spend
most of their time hosting business presentations. The business presentation is
approximately 20 minutes.
Tip # 3 – Use Invitations
Invitations to business meetings may be extended through email, over the phone or face-
to-face. (While brokers are encouraged to use business meetings, brokers may also email
a link of the business presentation to their target audience. But be mindful that the most
effective method of marketing is the direct approach: face-to-face contact in a business
meeting).
41

42. Tip # 4: Make Invitations Brief
When extending an invitation to a business meeting, be very brief. Do not share any
information about the content of the presentation. Avoid using certain words that may
cause the invitee to develop a bias for the presentation, such as; salesman, selling plans or
network marketing.
Tip # 5: Be Excited & Use Appealing Language
Be excited about the offer – excitement is contagious. Your language says a lot about
how you feel, in relation to what you’re saying.
Tip # 6: Use Groups
The benefit of using groups is that it saves time. The size of the group should be based on
your accommodation facilities.
42

43. The Business Presentation
The following is an overview of the business presentation:
Agenda Item # Particulars Time Frame
1 The Business Presentation: Part1 – The 7 mins.
Product
2 The Business Presentation: Part 2 – The 6 mins.
Membership Plans
3 The Business Presentation: Part 3 – 7 mins.
Benefits
The Business Presentation is automated, and is available on dicettera.com. Brokers are
simply a host during the presentation, and should be available to answer any questions
that the invitees may have about the business model.
43

44. Chapter
7
Consumer
Protection
44

45. The Policy
Dicettera understands that the satisfaction of its members is the driving force for its
success, as our products are sold upon the recommendation of our members. Therefore,
we are committed to the satisfaction of our members.
Dicettera uses multiple strategic measures to enhance the capacity for consumer
satisfaction. Among the measures include multiple options for submitting questions and
the establishment of an excellent complaints redress system. The measures are customer
friendly, and are designed to bring about desired results in a time-sensitive manner.
45

46. Terms & Conditions for the use of Electronic Resources
I. Introduction
The terms and conditions outlined below provide the legal expectations and
framework for the use of eBooks on the dicettera.com website, as well as the
general expectations in relation to the use of the website. The eBooks offered
on the Dicettera website are governed by license and contract agreements.
Each license or contract contains strict guidelines for the use of resources, and
it is the responsibility of the user to be familiar with these terms and
conditions.
II. Copyright
Dicettera LLC does not permit the illegal downloading and/or sharing of
copyrighted material in any form or manner. Electronic resources are
copyrighted and are subject to all applicable copyright and database protection
rights under the laws of the United States and other countries. All utilizations
of these products including downloading, printing or creating copies of
content from these resources must be consistent with existing "fair use" law as
defined by the copyright law of the United States (Title 17, U.S. Code) or
international law.
III. License Agreements/Contracts
The contract for each eBook details permissions and restrictions on use.
Minimum restrictions include, but are not limited to:
a. Authorized Users are solely members or personnel / employees of
Dicettera.
b. Use of the resource should be for the purposes of private research or
study only.
c. Alteration, abridgement, adaptation or modification of the licensed
material is prohibited, except to the extent necessary to make it
perceptible on a reading device or as otherwise permitted in the
agreement.
d. Authorized users may download, store on a PC (or other storage
device), or print single copies of documents from the resource for
46

47. his/her own non-commercial use, provided user maintains all
copyright and other notices contained in such material.
e. Systematic or programmatic downloading (e.g., the use of automated
"robots" and net accelerators or otherwise downloading or attempting
to download in a short period of time large amounts of the subscribed
content) is prohibited.
f. Systematic making of print or electronic copies for distribution to non-
members or non-subscribing institutions is prohibited.
g. Members may not use any of the licensed material for commercial use
(unless permission is granted by the copyright holder).
h. Mounting or distributing any part of the licensed material on any
electronic network, including the Internet and the World Wide Web, is
prohibited.
Licenses and contracts for the retail of eBooks may be terminated
immediately, at the discretion of individual publishers, if the terms and
conditions are violated by brokers and members of Dicettera.
IV. Loss of Privileges
Violators of Dicettera’s “Terms & Conditions” will have their membership
access suspended and be subject to other legal / civil measures. Violations
may also result in blocked access to other features on the Dicettera website,
and may be denied other privileges that are associated with a membership.
V. Refunds
After purchasing an eBook or other resource from Dicettera LLC, it is the
member's responsibility to determine that the resource is available for use.
Due to the nature of the product, once an eBook has been purchased, a refund
cannot be given for it. However, Dicettera LLC will seek to ensure that any
problem encountered during the purchase process is resolved swiftly.
Also, once an eBook is purchased, it cannot be exchanged for another eBook.
VI. Indemnification
The member agrees to defend, indemnify and hold harmless Dicettera LLC
and its affiliates and their respective directors, officers, employees and agents
from and against any and all claims, actions, demands, damages, costs,
liabilities, losses and expenses (including reasonable attorneys' fees) arising
out of use of the site.
47

48. VII. Changed Terms
Dicettera LLC has the right at any time to change or modify these Terms &
Conditions applicable to use of the site, or any part thereof, or to impose new
conditions. Such changes, modifications, additions or deletions shall be
effective immediately upon notice thereof, which may be given by any means
including, without limitation, posting on the site, or by electronic or
conventional mail, or by any other means. Any use of the site by a member
after such notice shall be deemed to constitute acceptance of such changes,
modifications, additions or deletions.
VIII. Miscellaneous
These Terms & Conditions shall be construed in accordance with the laws of
the State of Maryland, without regard to its conflict of laws rules. The section
headings used herein are for convenience only and shall not be given any legal
import.
48

49. Terms & Conditions for Referral Brokers
I. Introduction
The terms and conditions outlined below provide the legal expectations and
framework for the business relationship between Referral brokers and
Dicettera LLC.
Brokers are not employees of Dicettera LLC; they are independent
contractors. As such, brokers are not entitled to “employee benefits,”
including; annual vacation, sick leave, traveling allowances and maternity
leave.
Brokers agree to comply with all applicable state / country tax laws, and agree
to make tax payments with respect to income earned from referral brokering
activities.
II. Code of Conduct
The following values are the “Pillar Principles” of Dicettera:
a. Integrity & Honesty
b. Respect & Courtesy
c. Justice & Fairness
d. Transparency & Accountability
Referral Brokers are expected to act in a manner that is consistent with the
Pillar Principles of Dicettera, when transacting the business of referral
brokering. Likewise, Referral Brokers may also expect to be treated in a
manner that is consistent with the Pillar Principles, when interacting with the
personnel of Dicettera.
III. Company Obligations
a. Dicettera is expected to:
a. Conduct business in an ethical, timely and professional manner
b. Provide adequate information to brokers, in order to manage
business activities efficiently
c. Compensate brokers in accordance with the approved benefit plan
d. Comply with all industrial and civil laws governing the practices of
a legal business entity
e. Administer its policies fairly, without prejudice or favor, to protect
the interest of all brokers
49

50. b. Dicettera will not:
i. Guarantee success
ii. Tolerate brokers pressuring prospects into purchasing products or
becoming a registered member of Dicettera.
iii. Allow misleading product claims to be made in any form
iv. Terminate brokers without due process
IV. Broker Obligations
a. Brokers are expected to:
i. Conduct the business of referral brokering in an ethical and
professional manner
ii. Represent the benefit plan only as specified by Dicettera.
iii. Comply with applicable consumer protection laws and
regulations
a. Brokers will not:
i. Engage in deceptive, unlawful, or unethical business or
recruiting practices
ii. Engage in high pressure selling or recruiting practices
iii. Make misleading sales claims or guarantees concerning the
company or its products
iv. Sell membership plans to minors or persons who are not capable
of making an informed decision
v. Disparage, demean, or make negative remarks about Dicettera,
its affiliates or its personnel
vi. Seek in any way to violate or circumvent Dicettera’s policy,
whether in spirit or deed
V. Application Matters
a. Application Requirements
i. Applicants must be at least 18 years old and authorized to
work in their state of residence
ii. Applicants warrant that they understand the Dicettera
business model and benefit plan
b. Application Processing
i. Dicettera reserves the right to accept or reject any applicant
and is under no obligation to offer any reason for rejection
ii. The applicant, assisted by his/her affiliate, is solely
responsible for the completion of the electronic application
50

51. c. Falsified Registration
i. Submitting an application on behalf of an individual
without that individual’s permission and bona fide
signature is illegal and strictly prohibited.
ii. Submitting or encouraging someone to submit false or
invalid information on an application is also illegal and
strictly prohibited.
iii. A person who submits false information on their
application, or encourages someone to do so, will have
their account terminated and will lose all rights and
privileges of a referral broker
VI. Changing an Affiliate Broker
To protect the integrity of our protocols, Dicettera discourages and rarely
authorizes the change of an affiliate broker.
Members or brokers wishing to change affiliates have the option of canceling
their current membership and reapplying as a new member or broker with the
affiliate of their choosing.
VII. Beneficiaries
In the event of death, the heirs or successors of a broker shall not be entitled to
any financial benefits, associated with referral brokering.
VIII. Affiliate Rights and Responsibilities
a. Affiliates are responsible for ensuring that prospective members
have viewed the Business Presentation
b. Affiliates must emphasize that success in the company’s affiliate
marketing program will vary from affiliate to affiliate, and will
depend on personal efforts
c. Affiliates will refrain from mentioning competitor brands in a
negative, disparaging or otherwise illegal manner
IX. Cancellation / Termination
a. Voluntary Cancellation
Brokers may cancel their membership at any time with a signed and dated
letter indicating their intent to discontinue as a member. Cancelled
accounts shall not be reinstated with their original benefits under any
circumstance.
51

52. b. Involuntary Termination
Dicettera may terminate a member’s privileges, if any provision of the
terms and conditions is violated
X. Non-Payment
Dicettera reserves the right to with-hold future commission / bonus payments
to a Broker, in the event that the broker has failed to make due payments to
Dicettera
XI. Compensation
a. Monthly commission and bonus payments are submitted on the 15th day of
every month. In the event that the 15th falls on a weekend or United States
holiday, the payment will be disbursed between the 16th and 18th .
b. If a broker finds any discrepancies with respect to commission and bonus
payments, the discrepancy must be reported to Dicettera within 15 days.
Failure to report the discrepancy within the timeframe will result in
forfeiture of any due benefits.
c. Payments will be made for amounts equal to or exceeding $15. If a
broker’s net earnings do not equal or exceed this amount, the commissions
and bonuses will be accrued until they reach the minimum amount for a
payment to be disbursed.
XII. Advertising
a. To protect person-to-person marketing efforts, Dicettera retains the
discretion to restrict its products from being advertised at any location
which it does not deem acceptable
b. Brokers may not charge any for-profit fee for any services, trainings,
literature, materials, or other company-related material
c. Mass-medium marketing is not authorized and any requests for such
projects will be denied. Examples of this type of marketing include radio
and television appearances or infomercials or commercials, billboards
and/or online feeds.
d. Dicettera maintains a zero-tolerance policy regarding any spamming
activity by brokers. Spamming is the sending of electronic or other
messages in an attempt to force information upon others who have not
specifically expressed a desire or granted an approval to receive said
information, regardless of whether or not a signature is included in the
message.
52

53. e. Dicettera does not permit brokers to send unsolicited emails unless such
strictly comply with applicable laws and regulations including, without
limitation, the federal Can Spam Act, and must comply with the
following:
i. There must be a notice in the email that advises the
recipient that he/she may reply to the email, via the
functioning return email address.
ii. The email must clearly state that the message is an
advertisement or solicitation
XIII. Disciplinary Measures
Any violation of the terms and conditions may result, at the Discretion of
Dicettera, in one of more of the following measures:
a. Issuance of a written warning
b. Imposition of a fine to be withheld from future commission or
bonus payments
c. Suspension or termination of membership
XIV. Indemnity
Brokers shall hold Dicettera harmless for any claims, damages, or liabilities
arising from the broker’s misrepresentation, negligence or failure to comply
with the terms and conditions of referral brokering
XV. Amendments
Dicettera reserves the right to make amendments to these terms and
conditions, as well as its business model and products. However, Dicettera is
obligated to provide a 45-day notice period before any such amendments may
take effect.
XVI. Policy Enforcement
If any provision in these terms and conditions is found to be invalid, illegal or
unenforceable for any reason, Dicettera may amend or delete that provision.
The amendment or deletion of any clause or provision will not affect the
remaining clauses and provisions, which will remain in full force and effect.
XVII. Arbitration
Any claim, dispute or other difference shall be exclusively resolved by
binding arbitration administered by the American Arbitration Association
pursuant to its Commercial Arbitration Rules. Brokers waive their right to trial
by jury or to any court. All arbitration proceedings shall be held in the city of
53

54. Baltimore, Maryland, unless the laws of the state or territory in which the
broker resides expressly require the application of its laws, in which case the
arbitration shall be held in accordance with those laws.
Each party to the arbitration shall be responsible for its own costs and
expenses of arbitration, including legal and filing fees. The decision of the
arbitrator shall be final and binding on the parties.
54

55. Consumer Complaints
Consumers are encouraged to report complaints promptly. Dicettera acts expeditiously to
resolve every complaint. In the unlikely event that a consumer believes his/her compliant
was not addressed fairly by Dicettera, the consumer is advised to report the matter to the
designated industrial agency.
The following steps are presented as a guide for lodging consumer complaints:
Step 1:
Contact Dicettera to report the complaint. Our agents are authorized to address
customer complaints.
Step 2:
If a consumer is dissatisfied with the decision of a Dicettera agent, the
consumer is advised to request a supervisor immediately. Our agents are
required to make a supervisor available to a consumer, upon request – without
any further queries.
Step 3:
If a consumer is dissatisfied with the decision of the supervisor, the consumer
is advised to submit a letter with details of the problem. The letter will be
reviewed by the consumer complaints committee at Dicettera and endorsed by
the Vice President for Consumer satisfaction. The committee is required to
address the compliant within 10 days.
55

56. Step 4:
If a consumer is still dissatisfied with the decision of the complaints
committee, the consumer is advised to submit a “Complaint Notice” to the
BBB Online (http://www.bbb.org/online/).
The BBB (Better Business Bureau) online is an industrial agency and is duty-
bound to conduct an independent and objective investigation of the complaint.
The process will be conducted at no cost to the consumer.
It is the policy of Dicettera LLC to comply with the decisions of the
industrial agency.
56

57. FAQs
The following are some of the Frequently Asked Questions (FAQs) that we receive:
1. What is the difference between an affiliate and a referral?
Answer: The affiliate sold a membership plan, and; the plan was bought by a
referral.
2. I found out about Dicettera on Facebook. How do I find an affiliate broker?
Answer: Post a request on our wall for anyone interested in being your
affiliate broker.
Usually you will have multiple interests within 24 hours.
3. I just bought an eBook, where do I find it?
Answer: Anytime an eBook is purchased it is sent to "My Library."
4. Where could I find information about the commissions that I've earned?
Answer: Go to "My Account," and; click "Affiliate Center."
5. May I save a purchased eBook?
Answer: Yes. Once purchased, members are advised to save their eBooks on
their computer or device. Members may access an eBook in "My Library"
from a maximum of 3 IP addresses. Also, members are allowed a maximum
of 90 days and 10 opportunities to download an eBook from "My Library."
6. What forms of payment are accepted by Dicettera?
Answer: All payments to Dicettera are processed through PayPal, and as
such, members may use funds in their PayPal account to make payments.
However, members may also use a debit or credit card to make the payment.
7. Am I required to pay an Application Fee?
Answer: Only brokers are required to pay the $100 application fee.
57

58. 8. Am I required to pay monthly fees?
Answer: Rover Members do not pay monthly fees. However, Referral
Brokers are required to pay a monthly fee of $29.95.
9. Am I eligible to receive financial benefits?
Answer: Only brokers are eligible to receive financial benefits.
10. Am I required to pay an annual renewal fee?
Answer: There are no annual renewal fees in Dicettera.
11. I am a broker. Does that mean I am an employee of Dicettera?
Answer: Brokers are not employees. They are independent contractors.
12. Should I resign from my job to be a broker?
Answer: No. Brokers are not advised, or encouraged, to resign from any job.
13. What level of education is required of a broker?
Answer: Brokers are not required to have any formal education. However,
basic literacy and computer proficiency are expected.
14. How many hours am I required to work as a broker? Are the hours flexible?
Answer: Absolutely, the hours are flexible. In fact, brokers are the ones that
determine how many hours they work, and when they work.
15. May I use Dicettera as a retirement plan?
Answer: Our membership plans are not intended to be a substitute for a
retirement plan, and as such, members are advised not to use it as such.
However, brokers are eligible to receive financial benefits until death.
Therefore, the earnings from Dicettera may serve to supplement income
during the retirement years.
58

59. 16. When could I expect to receive my commissions and bonuses?
Answer: Commissions and bonus payments are disbursed on the 15th day of
every month. However, in the event that the 15th falls on a weekend or
United States Holiday, the payment may be disbursed between the 16th and
18th. Payments are made for commissions and bonuses earned in the
previous month.
Brokers are required to have a valid PayPal account in order to receive
payments. Failure to have a valid PayPal account will result in the forfeiture
of financial benefits. Dicettera LLC does not make retroactive payments to
brokers for past benefits. Therefore, if a PayPal account was invalid at the
time of payment, any benefits that should have been paid to the broker
would be forfeited.
59

60. The End
60