Terms & Conditions

Last Updated: December 15, 2025

1. Acceptance of Terms

By accessing and using SIP BIZ ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

SIP BIZ is a comprehensive MLM (Multi-Level Marketing) CRM system that provides tools for managing referral networks, tracking commissions, processing payments, and analyzing business performance. Our service includes:

• Referral network management and tracking
• Commission calculation and payment processing
• Wallet and financial transaction management
• Analytics and reporting tools
• Customer support and training resources

3. User Accounts

To use our service, you must:

• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Be at least 18 years of age or the age of majority in your jurisdiction
• Comply with all applicable laws and regulations

You are responsible for all activities that occur under your account. We reserve the right to suspend or terminate accounts that violate these terms.

4. Referral System and Commissions

Our referral system operates on the following principles:

• Commissions are calculated based on the activities of your direct and indirect referrals
• Payment schedules and commission rates are subject to change with 30 days notice
• All commission payments are subject to verification and approval
• Fraudulent activities will result in immediate account termination

5. Payment Terms

Payment processing is subject to the following terms:

• Withdrawal requests are processed within 1-3 business days
• Minimum withdrawal amounts may apply
• All payments are subject to applicable taxes and fees
• We reserve the right to hold payments for verification purposes

6. Prohibited Activities

Users are prohibited from:

• Creating fake accounts or using false information
• Engaging in fraudulent or deceptive practices
• Spamming or sending unsolicited communications
• Violating any applicable laws or regulations
• Attempting to hack or compromise our systems
• Sharing account credentials with unauthorized parties

7. Intellectual Property

All content, features, and functionality of SIP BIZ are owned by us and are protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute our software
• Reverse engineer or attempt to extract source code
• Use our trademarks or logos without permission
• Create derivative works based on our service

8. Privacy and Data Protection

We are committed to protecting your privacy and personal information. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these terms by reference.

9. Service Availability

While we strive to maintain continuous service availability, we do not guarantee uninterrupted access to our platform. We may perform maintenance, updates, or modifications that temporarily affect service availability.

10. Limitation of Liability

To the maximum extent permitted by law, SIP BIZ shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our service.

11. Termination

We may terminate or suspend your account at any time for violation of these terms or for any other reason at our sole discretion. Upon termination, your right to use the service will cease immediately.

12. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of significant changes via email or through our platform. Continued use of the service after changes constitutes acceptance of the new terms.

13. Governing Law

These terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts of New York.

14. Contact Information

If you have any questions about these Terms and Conditions, please contact us at:

15. Severability

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect.