1 Purpose of Agreement

RAP administers furniture protection programs ("Programs") sold directly to Plan Holders. Designers may assist eligible customers in selecting and purchasing these Programs using RAP's approved tools and platforms. In exchange, Designers receive sales commissions based on the final retail price of the Program sold.

2 Relationship of the Parties

Designer operates as an independent sales agent and is not an employee, affiliate, reseller, or legal representative of RAP. This Agreement does not create any agency, joint venture, or franchise relationship beyond what is expressly stated herein.

2.1 Limited Agency

Designer is authorized solely to facilitate customer enrollment into RAP Programs using RAP-provided platforms or tools. Designer may present Program features and pricing as outlined in RAP-approved materials but may not negotiate terms, alter the Program, or make binding representations on behalf of RAP.

Designer has no authority to:

• Sign agreements on RAP's behalf
• Modify or waive Program Terms & Conditions
• Interpret or adjudicate coverage
• Accept service claims
• Collect payments directly from customers for Programs

Any representations or actions by Designer outside this limited scope are unauthorized and not binding on RAP. Designer agrees to indemnify RAP against claims arising from actions taken beyond the authority granted in this Agreement.

3 How Program Sales Work

Designers may recommend RAP Programs to customers during the design process or at time of sale. Designers must use RAP's designated website, order portal, or concierge tools to complete Program enrollment.

3.1 Plan Holder Definition

A "Plan Holder" refers to the individual or entity who purchases a Program through the Company's platform. The Plan Holder is the legal purchaser and recipient of the Program as governed by the Program Terms & Conditions. A customer is not considered a Plan Holder until RAP issues a unique plan number to that customer.

All Programs are issued directly to the Plan Holder by RAP and governed by the Program Terms & Conditions. RAP is the sole obligor. RAP provides support, claim servicing, and customer care under the Program. Designer has no obligation or authority to service or interpret the Program.

Designer acknowledges and agrees that only RAP's official Program Terms & Conditions govern coverage and service to Plan Holders. These terms may not be altered, amended, or waived by the Designer for any reason.

4 Commissions and Payment

• Designer will receive a commission based on the Program retail price as outlined in the RAP Commission Schedule (Exhibit A).
• RAP uses Stripe's instant split payment feature to pay commissions. Upon successful customer payment for a Program, Stripe automatically allocates the commission to the Designer and remits the remainder to RAP.
• If a Program is later canceled or terminated and RAP refunds all or part of the Program purchase price to the Plan Holder, RAP reserves the right to recoup the prorated share of the Designer's commission associated with the refunded portion.
• Stripe will deduct the chargeback or refund amount from the Designer's future payouts. In the event there are insufficient funds in future commissions to offset the chargeback, the Designer agrees to remit the prorated refund amount to RAP within 15 days of written notice.

5 Brand Representation and Conduct

Designer agrees to:

• Use only RAP-approved marketing materials and language when describing the Program.
• Not rebrand, relabel, or alter Program descriptions or legal language.
• Not make unauthorized promises, guarantees, or interpretations regarding Program coverage.
• Maintain professionalism in all interactions with RAP and Plan Holders.
• Avoid representing competing protection plan programs while actively selling RAP Programs.

6 Customer Relationship and Data

All customers who purchase a RAP Program are customers of RAP. The Program contract is between RAP and the Plan Holder, governed by the Program Terms & Conditions.

RAP retains exclusive ownership and control of all customer records related to the Program. The Designer may maintain their own separate relationship with Plan Holders for unrelated design services, but shall not claim ownership, co-control, or access rights to RAP's Program-related customer data or contracts.

7 Obligations of the Designer

Designer agrees to:

• Endorse and market RAP Programs only using approved tools and materials.
• Avoid making false, misleading, or exaggerated statements about Program coverage.
• Not white-label or disguise the source of RAP materials.
• Refrain from publishing content on inappropriate platforms.
• Promptly notify RAP of any problems, service complaints, or fraud concerns.
• Maintain valid credentials and up-to-date knowledge of RAP Program updates and materials.
• Cooperate in all respects with RAP's efforts to service Plan Holders.

7.1 Fraud Prevention and Transaction Cooperation

Designer agrees to use reasonable efforts to ensure that all Program purchases submitted through the RAP platform are made by legitimate Plan Holders using valid payment methods. Designer shall not knowingly participate in, encourage, or facilitate any transaction involving fraudulent, stolen, or unauthorized payment credentials.

Designer agrees to promptly notify RAP of any suspected fraudulent activity or unusual transaction behavior, and to fully cooperate in resolving customer service issues or transaction-related investigations.

8 Intellectual Property & Use of RAP Systems

All materials provided by RAP—including logos, plan descriptions, sales tools, training content, and online platforms—are owned exclusively by RAP.

Designers are granted a limited, non-transferable license to use these materials solely for promoting and selling RAP Programs as described in this Agreement.

Designer agrees to:

• Not share login credentials or grant third parties access to RAP's systems or tools
• Not copy, modify, or republish RAP materials without written approval
• Not attempt to reverse-engineer, duplicate, or create competing tools or documents
• Notify RAP of any misuse, breach, or security concern

RAP reserves the right to suspend access if unauthorized use or system tampering is suspected.

9 Waiver of Liability for Program Administration

Designer understands and agrees that RAP retains sole discretion over all Program administration, including coverage determinations, claim approvals or denials, refund decisions, and changes to Program Terms & Conditions.

Designer acknowledges that such actions may impact customer satisfaction or Designer's own business reputation, and agrees that RAP shall not be liable for any resulting loss of commissions, lost business, or reputational harm.

To the fullest extent permitted by law, Designer waives any right to bring a claim against RAP related to Program administration decisions, provided those decisions are made in good faith and in accordance with RAP's published Terms & Conditions.

10 Legal Terms

• This Agreement is governed by the laws of the State of Florida.
• Any disputes shall be resolved in a Florida court of competent jurisdiction.
• Neither Party may assign this Agreement without the other's written consent.
• If any provision is found unenforceable, the remainder remains in effect.
• This Agreement represents the entire understanding between the Parties.

10.1 Notices

All notices to RAP shall be in writing and sent by certified mail to:

10.2 Term and Termination

This Agreement shall commence on the date that the Designer accepts this Agreement and RAP approves the Designer's enrollment and completion of all required account setup provisions. Either Party may terminate this Agreement at any time, for any reason, upon written notice to the other Party. This Agreement shall immediately and automatically terminate in the event that either Party ceases business operations.

10.3 Surviving Terms Upon Termination

Upon termination of this Agreement, the parties shall continue to have the following obligations and responsibilities described under sections 5, 6, 7, 8, 9 and 10 of this Agreement. Termination shall not affect any Service Plan issued and paid for prior to the date of termination or the Designer's responsibility to cooperate in servicing such Plan Holders. Designer shall immediately (a) destroy all RAP marketing materials, (b) cease offering Programs, and (c) ensure any amounts due to RAP are paid in full.

10.4 Confidential Information

Each Party may be exposed to the other's confidential business information, including customer lists, pricing, marketing plans, and technical materials. Both Parties agree not to disclose or use such information except as required to perform under this Agreement. These obligations shall continue during the Term and for three (3) years following termination. Confidential information does not include information that is or becomes public through no fault of the receiving Party.

10.5 Limitations of Liability

Neither Party shall be liable to the other for any special, incidental, consequential, or punitive damages. RAP's total liability shall not exceed the amount of commissions paid to the Designer in the three (3) months prior to the event giving rise to the claim. Neither Party shall be liable for any tax penalties owed by the other.

10.6 Press and Publicity

Neither Party may issue public statements, press releases, or use the other's name or logo in publicity materials without prior written consent.

10.7 Amendment, Waiver, and Severability

This Agreement may be amended only in writing signed by both Parties. Failure to enforce any provision shall not constitute a waiver. If any part of this Agreement is held unenforceable, the remainder shall continue in full force.

10.8 Interpretation

This Agreement has been reviewed and accepted by both Parties. It shall be interpreted according to its plain meaning without favor to either Party as the drafter.

10.9 Counterparts

This Agreement can be executed in counterparts and via electronic means.

Exhibit A – Designer Commission Schedule

Designer Commission Schedule

Retail Price Range	Commission (% of Plan Retail Price)
Up to $2,500	20%
$2,501 to $20,000	35%
Over $20,000	Contact RAP for pricing and approval