PUBLISHER AGREEMENT

Last Modified: August 12th, 2023

Before you can become a Publisher in the PALO™ Network provided by Palo Media Group, LLC (“PALO”), you (“Publisher”) must first read and unconditionally agree to the terms and conditions in this Publisher Agreement (“Agreement”), which includes Appendix A: Advertising Rules and PALO’s Privacy Policy.Please read this Agreement carefully.

This Agreement is made by and between Publisher and PALO and is effective as of the date that the Publisher clicks the “Accept” button below (“Effective Date”). Publisher and PALO may be collectively referred to as the “Parties.” For mutual and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the Parties agree as follows:

Section 1. The Program.

1.1 The PALO Network. PALO maintains an online exchange network (“PALO Network”), which is a suite of online marketing services that enables Publisher to identify and conduct promotional campaigns that are available from third-party merchants (“Advertisers”). The PALO Network allows Advertisers to post an available advertising campaign (“Campaign”) on the PALO Network. Within the PALO Network, Publisher can apply to an available Campaign posted on the PALO Network. Each Campaign will specify the amount of compensation and the terms under which Publisher will receive a payout for leads when the applicable Campaign’s requirements are satisfied. When Publisher applies to a Campaign, Publisher expressly agrees to comply with the terms and conditions of this Agreement and the terms of the Campaign, and furthermore understands that engaging in acts or practices prohibited by this Agreement and the Campaign will result in immediate termination of this Agreement, termination of Publisher’s relationship with PALO and forfeiture of all money that PALO may owe Publisher.

1.2 License Grant and Restrictions. Publisher desires to use the PALO Network to conduct Campaigns, either directly or through Publisher’s network of independent marketers (“Marketing Affiliates”). Subject to the terms and conditions of this Agreement, PALO hereby grants Publisher a limited, revocable, non-exclusive license to access and use, and reproduce strictly as necessary to access and use, the PALO Network for the purpose of accessing and using the PALO Network with the understanding that this right is personal to you and may not be sub licensed or transferred to any other party. The Publisher agrees not to modify, alter, misrepresent or embellish the Campaign or the Advertising Materials or any part thereof in any way, directly or indirectly, without the express prior written consent of PALO. This license gives the Publisher no independent right to use PALO’s or its Advertiser’s trademarks, service marks, names, logo or other intellectual property. Any breach of this license shall constitute a material breach of this Agreement.

1.3 Advertising Rules. Publisher shall comply with PALO’s Advertising Rules (the “Advertising Rules”), which is marked asAppendix Aand is attached hereto and incorporated by this reference. PALO reserves the right to modify the Advertising Rules from time-to-time. It is Publisher’s responsibility to check  the PALO website for any changes to the Advertising Rules.  If Publisher objects to any changes to the Advertising Rules, Publisher’s sole remedy is to terminate this Agreement pursuant to Section 9.0 below.

1.4 Advertising/Marketing Copy. Publisher shall only use advertising and marketing copy and creative materials (collectively “Advertising/Marketing Copy”) provided by Advertiser. No changes may be made to any Advertising/Marketing Copy without PALO’s and Advertiser’s prior written consent.

Lead Buyers. If Publisher agrees to purchase from PALO data collected from consumers who complete an online form and submit contact information and details about their request for information or service quotes (“leads”). Leads and related marketing services are provided on a non-exclusive basis for a specific type of product or service for which the consumer submitted the online form. Publisher is authorized to use the leads and the PALO Network solely for Publisher’s internal marketing purposes of proposing only Publisher’s products and services in the specific vertical to the consumer. Publisher may not use the lead or services for purposes of marketing or offering products and services other than those that the consumer has specifically inquired about, or of third parties. PALO has made a reasonable effort, based on currently understood legal requirements, to obtain the consumer’s online prior express written consent to be contacted by automatic telephone dialing systems on their mobile phones pursuant to the Telephone Consumer Protection Act (“TCPA”), and have provided to Publisher with a copy of the consent language and mechanism PALO uses. Publisher shall use Leads in compliance with all Applicable Laws, including the TSR’s guidance prohibiting the transfer of consent for prerecorded marketing calls to third parties.  Publisher understands that under the TSR, prior express written consent to make marketing prerecorded calls can only be obtained directly from a consumer and cannot be transferred to third parties. Publisher understands that it may not rely on any Leads obtained to make marketing prerecorded calls. Publisher should determine whether the consents PALO has obtained are legally sufficient and comply with Publishers internal marketing policies.

1.5 Use. The Publisher agrees to undertake and complete the services as specified by the Campaign, including all restrictions and in accordance with this Agreement and the highest industry standards. Publisher’s use of the PALO Network is subject to all applicable local, state, national and international laws and regulations. The Publisher understands that participation in distributing Campaigns in the PALO Network is not an endorsement by PALO of any Advertiser. PALO operates the PALO Network and provides the Campaign as a neutral host. PALO is not responsible or liable for the acts, omissions, agreements or promises of or by any Advertiser or Publisher using the PALO Network to enter into any arrangement or otherwise work with any other person or entity. PALO does not make any representation or warranties with respect to the communications that Publisher delivers on behalf of Advertisers.

Section 2. Data.

2.1 Publisher Data. Publisher shall deliver to PALO and PALO shall host and maintain a database (“Customer Database”) to host external data delivered by Customer to PALO to enable the use of the PALO Network in accordance with the terms and conditions of this Agreement. So long as this Agreement is in effect, Publisher grants to PALO a non-exclusive irrevocable royalty free license to access the Customer Data in connection with the License. For avoidance of doubt, Publisher is and remains the sole owner of the Customer Data in the PALO Network. Publishershall be solely responsible for and represents and warrants to PALO that Publisher has full and complete authority to access and deliver the Customer Data for hosting in the PALO Network toinclude the necessary consent. PALO reserves the right at any time to refuse hosting Customer Data in its own discretion.

2.2 Compliance. Publisher shall use the PALO Network and all Publisher Data, as described above, within the PALO Network in accordance with any and all restrictions applicable to such data and all applicable laws.PUBLISHER WARRANTS AND REPRESENTS THAT PUBLISHER SHALL AT ALL TIMES REMAIN IN FULL COMPLIANCE WITH ALL APPLICABLE LAWS AND REGULATIONS WITH REGARD TO THE PURPOSE FOR WHICH THIS AGREEMENT WAS ENTERED INTO, INCLUDING WITHOUT LIMITATION TO THE TCPA FAIR DEBT COLLECTIONS PRACTICES ACT (“FDCPA”), CALIFORNIA INVASION OF PRIVACY ACT (“CIPA”), THE CALIFORNIA PRIVACY RIGHTS ACT (“CPRA”), THE COLORADO PRIVACY ACT (“CPA”), THE VIRIGNIA CONSUMER DATA PROTECTION ACT (“VCDPA”), THE CONNECTICUT PERSONAL DATA PRIVACY AND ONLINE MONITORING ACT (“CTDPA”), THE UTAH CONSUMER PRIVACY ACT (“UCPA”) AND ANY OTHER APPLICABLE STATE PRIVACY LAWS, THEFAIR CREDIT REPORTING ACT (“FCRA”), CAN-SPAM ACT OF 2003, TELEMARKETING SALES RULE (“TSR”), MARKETING TO MINORS, FEDERAL COMMUNICATIONS COMMISSION (“FCC”) OR FEDERAL TRADE COMMISSION (“FTC”) RULES OR

REGULATIONS and all other applicable laws related to pre-recorded telephone and/or text messages and the use of automated dialing equipment, the transmission of unsolicited commercial electronic mail messages or “spam,” email and Internet-based marketing, and marketing to minors. (“Applicable Laws”).

2.3 Permission. Publisher agrees that (i) all phone numbers to which Publisher disseminates calls were collected from Publisher Websites and in compliance with the applicable sites’ privacy policy (“Publisher Privacy Policy”), and such Privacy Policies specifically allow for: (a) Publisher to transfer such data to third party business partners for marketing purposes; and (b) Publisher to use the data as contemplated herein; (ii) the data was/will be obtained, collected and compiled without employing deceptive or illegal practices; (iii) recipients have consented to receiving calls from Publisher, and such consent includes the right to transfer the data to third party business partners for the use contemplated by this Agreement; and (iv) the data was obtained using methods that fully comply with all applicable state, federal and international laws, rules and implementing regulations including, but not limited to, the Federal Trade Commission Act, the FTC Guides Concerning the Use of Endorsements and Testimonials in Advertising, the Telemarketing and Consumer Fraud and Abuse Prevention Act, the Gramm-Leach-Bliley Act, Health Insurance Portability and Accountability Act of 1996, Personal Information Protection and Electronic Documents Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, the Telemarketing Sales Rule and all of the rules and regulations promulgated thereunder, as well as all applicable state laws including, without limitation all rules and regulations promulgated under such state laws, international laws, rules and regulations.PALO reserves the right to terminate this Agreement if Publisher cannot prove that every Recipient provided the requisite permission.

2.4 Use of Information. PALO shall have the immediate and exclusive right to use, exploit, and sell any information obtained in connection with traffic driven to the PALO Network. Neither Publisher nor Marketing Affiliates have any right to or interest in such information other than the right to be paid in accordance with the terms of this Agreement.

Section 3. Publisher’s Marketing Affiliates

3.1 Use of Marketing Affiliates. Publisher may utilize the services of third Parties or networks (“Marketing Affiliates”) to promote Advertiser’s products and services only with the prior written consent of PALO. PALO reserves the right to withhold or rescind consent for any

reason including, without limitation, concerns about the Marketing Affiliate’s marketing materials or methods. Any payable action by an unapproved Marketing Affiliate is an Excess Unit for which no compensation is due to Publisher.

3.2 Actions of Marketing Affiliates. Publisher agrees that the acts and omissions of Publisher’s Marketing Affiliates shall be deemed Publisher’s acts. Accordingly, Publisher agrees without limitation to indemnify and hold harmless PALO for the acts and omissions of its Marketing Affiliates. Additionally, Publisher agrees to contractually obligate each Marketing Affiliate to conduct its business in strict compliance with applicable law, the terms of this Agreement, the Advertising Rules and the Campaign. Publisher shall monitor the activities of its Marketing Affiliates to ensure compliance.

3.3 Publisher’s Duties with Marketing Affiliates. To the extent Publisher conducts a Campaign through Marketing Affiliates, it shall (1) require each of its Marketing Affiliates to acknowledge and confirm compliance with this Agreement, all Applicable Laws, the Advertising Rules, and the Campaign in writing, and shall maintain records of all such confirmations; (2) require each of its Marketing Affiliates to provide his/her/its full name, and all contact and business information required by this Agreement, the Advertising Rules, and the Campaign; and (iii) expressly notify each of its Marketing Affiliates in writing that engaging in acts or practices prohibited by this Agreement, the Advertising Rules, all Applicable Laws, and the Campaign will result in immediate termination from the Publisher’s network and the forfeiture of all money that may be owed to the Marketing Affiliate.

3.4 Assurances of Compliance. Publisher and Marketing Affiliate shall provide PALO with reasonable additional assurances of compliance with this Agreement, the Advertising Rules, all Applicable Laws, and the Campaign upon request. Such additional assurances may include, but are not limited to, evidence of due diligence, copies of emails and advertising materials, copies of all information pertaining to complaints received by Publisher or Marketing Affiliates, evidence of termination of dealings with Marketing Affiliates, and all such other information that PALO may reasonably require to confirm that Publisher or Marketing Affiliate is acting in strict compliance with all applicable laws, rules, and regulations, as well as the terms of this Agreement, the Advertising Rules, all Applicable Laws, and the Campaign.

3.5 No Assignment. This Agreement cannot be assigned by Publisher to another party without the prior written consent of PALO. PALO may assign any or all of its duties to another party without Publisher’s consent.

Section 4. Representations; Warranties; and Disclaimer.

4.1 Mutual Representation. Each party represents and warrants that: (1) it has the full corporate right, power and authority to enter into this Agreement, to grant the rights thereunder and to fully perform its obligations under this Agreement; (ii) the execution of this Agreement by such party, and the performance by such party of its obligations hereunder, does not and will not violate or conflict with any agreement to which such party is a party or by which otherwise bound; and (iii) when executed and delivered by such party, this Agreement will constitute the legal, valid and binding obligation of such party, enforceable against such party in accordance with its terms.

4.2 Compliance with Laws. Publisher and its Marketing Affiliate(s) shall conduct all calls, communications, advertising, marketing, sales, and transmissions in strict compliance with all Applicable Laws, and PUBLISHER WARRANTS AND REPRESENTS THAT PUBLISHER AND ITS MARKETING AFFILIATES SHALL AT ALL TIMES REMAIN IN FULL COMPLIANCE WITH ALL APPLICABLE LAWS.

4.3 Non-Infringement. That Publisher’s use and Marketing Affiliate’s use of the Advertising/Marketing Copy do not infringe the intellectual property rights of any third party or violate any applicable law.

4.4 Privacy. Both Parties represent and warrant that they are fully compliant with applicable privacy laws, and all federal and state regulations.

4.5 PALO’s policies, specifications, and/or recommendations with respect to Publisher websites, text messaging, email, suppression, compliance notices, email and telephone number distribution lists and/or marketing channels used by the Publisher should not be construed as legal advice, or as sufficient guidelines to ensure that such websites, text messaging, email, suppression, compliance notices, email and telephone number distribution lists and/or marketing channels comply with applicable law. PALO does not represent or warrant that such specifications, and/or recommendations are legally compliant or appropriate. PALO assumes no obligation and hereby disclaims any liability for Publisher’s use of and/or reliance upon any such specifications, and/or recommendations.

4.6 No Warranties.PALO MAKES NO EXPRESS OR IMPLIED WARRANTY, TO THE EXTENT PERMISSIBLE BY LAW, OTHER THAN THE WARRANTIES EXPRESSED IN THIS AGREEMENT, IF ANY, AND SPECIFICALLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.PALO MAKES NO WARRANTY THAT THE PALO NETWORK WILL MEET PUBLISHER’S REQUIREMENTS, OR THAT THE PALO NETWORK WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE. PALO WILL MAKE COMMERCIALLY REASONABLE EFFORTS TO RESOLVE ANY TECHNICAL PROBLEM PUBLISHER MAY EXPERIENCE WHILE USING THE PALO NETWORK.

4.7 Disclaimer.TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, PALO DISCLAIMS ALL WARRANTIES OF ANY KIND, CONDITIONS, REPRESENTATIONS, INDEMNITIES AND GUARANTEES WITH RESPECT TO ANY MATTER, WHETHER EXPRESS OR IMPLIED INCLUDING WITHOUT LIMITATION ANY WARRANTY OF PROFITABILITY, SATISFACTION QUALITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT. UNDER NO CIRCUMSTANCES IS PALO RESPONSIBLE FOR THE PRACTICES, ACTS OR OMISSIONS OF ANY CLIENT, ADVERTISER OR PUBLISHER, OR SUCH CLEINT, ADVERTISER OR PUBLISHER’S WEB SITE(S), AND/OR THE CONTENT OF A CLIENT OR AN ADVERTISER’S WEB SITE OR THAT A CLIENT OR AN ADVERTISER MAKES AVAILABLE THROUGH THE PROGRAM.

Section 5. Indemnification and Limitations.

1. Scope of Indemnification. Subject to the Indemnification Procedures set forth below, either party (as “Indemnifying Party”) shall fully indemnify, hold harmless, and defend the other party and its managers, officers, directors, employees, agents, affiliates, parents, subsidiaries, successors, and permitted assigns (collectively, “Indemnified Party”) from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including professional fees and attorneys’ fees, that are incurred by Indemnified Party or awarded against Indemnified Party in a judgment, pre-suit demand, lawsuit, regulatory proceeding, administrative proceeding, judicial or non-judicial dispute resolution proceeding including all expense related to any appeals, for any claims or actual violations, including but not limited to those permitted under the TCPA, the Advertising Rules, and Applicable Law, to the extent arising or resulting from any third-party claim arising from breach by the Indemnifying Party of this Agreement (“Claim”). PALO does not make any claim, representation, warranty, or assertion that PALO has obtained or can obtain valid express written consent from a consumer for Publisher to place prerecorded calls (including soundboard and similar technologies) to consumers as defined in the TSR and interpreted by the FTC; and PALO shall not indemnify Publisher or have any liability to Publisher under any circumstances for any Claim for violation of the TSR. Indemnifying Party’s obligations shall include indemnification from any and all attorneys’ fees and other costs incurred by Indemnified Party in responding to, defending, investigating, and/or enforcing its rights relative to a Claim.

1. 2.Notification. A party’s duty to indemnify shall be conditioned upon notification to Indemnifying Party notice of any Claim and upon the Indemnifying Party being permitted to assume the defense of any such Claim. Indemnifying Party shall have the right, but not the obligation, to control the defense of Indemnified Party against any such Claim, utilizing counsel chosen in Indemnifying Party’s reasonable discretion, provided that Indemnified Party may participate in any such defense, at its own expense, by separate counsel of its choice, and further provided that any such participation shall not limit Indemnifying Party’s right to control such defense.  Notwithstanding anything contained in the foregoing sentence to the contrary, Indemnifying Party (a) shall not be entitled to have sole control over any Claim that seeks an order, injunction or other equitable relief against Indemnified Party; or any Claim in which both Indemnifying Party and Indemnified Party are named as parties and either Indemnifying Party or Indemnified Party determines with advice of counsel that there may be one or more legal defenses available to it that are different from or additional to those available to the other party or that a conflict of interest between such parties may exist in respect of such action, and (b) shall obtain the prior written approval of Indemnified Party before ceasing to defend against any Claim or entering into any settlement, adjustment or compromise of such Claim involving injunctive or similar equitable relief being asserted against Indemnifying Party.  If the Indemnifying Party assumes the defense of any such Claim or legal proceeding, the Indemnifying Party shall take all steps necessary to pursue the resolution thereof in a prompt and diligent manner. The Indemnifying Party shall be entitled to consent to a settlement of, or the stipulation of any judgment arising from, any such claim or legal proceeding, with the consent of the Indemnified Party, which consent shall not be unreasonably withheld or delayed.

3. The obligation of the Indemnifying Party to defend and indemnify, as set out in this section, will survive termination of this Agreement for any reason and will not be otherwise limited by any other term or condition of this or any Agreement.

5.1 Limitation of Liability. In no event shall PALO or its members, managers, officers, directors, employees, contractors, attorneys, licensors, or licensees be liable to Publisher or a Marketing Affiliate for any indirect or direct damages, loss of profits, or other incidental, consequential, or special damages, even if advised of the possibility of such damages. In no event will PALO’s total liability under the terms of this Agreement from all causes of action of any kind, including, without limitation, contract, tort (including negligence), strict liability, breach of warranty, misrepresentation, or otherwise, exceed the amount paid by PALO to Publisher under this Agreement during the three (3) months prior to PALO’s receipt of written notice from Publisher or a Marketing Affiliate of a claim of liability.

Section 6. Confidential Information.

6.1 Confidential Information Defined. The Parties acknowledge that in the course of fulfilling their obligations under this agreement, Publisher and Marketing Affiliate may have access to certain confidential information of PALO (“Confidential Information”), which may include but is not limited to: all documents, marketing materials, data files, information, and other materials made available to Publisher and Marketing Affiliate in connection with Agreement, including without limitation: names, telephone numbers, email addresses and other personal information pertaining to leads; PALO’s sales, cost, pricing, and financial information; the names and contact information for potential and actual PALO customers; the identity and contact information of PALO’s employees, contractors, other publishers, and other marketing affiliates; the methods used by PALO to acquire consumers; PALO’s business plans; marketing strategies, methods, and materials; computer programs and source code; and all related Confidential Information shall be deemed to have been furnished to Publisher and Marketing Affiliate in confidence and shall remain the exclusive property of PALO during and after the term of this Agreement. Publisher and Marketing Affiliate shall keep in strict confidence all Confidential Information. Publisher and Marketing Affiliate shall not at any time use Confidential Information for its own benefit, or disclose or permit any of its employees, agents, or representatives to disclose Confidential Information without PALO’s prior written consent. Publisher and Marketing Affiliate further represents and warrants that it shall not use the Confidential Information to compete with PALO, solicit PALO’s customers or circumvent this Agreement.

6.2 Non-Confidential Information. Confidential Information does not include: 1) Information already known to Publisher before disclosure; 2) Information already known to the public, other than as a result of breach of Agreement; 3) Information properly received from a third party; 4) Information subsequently independently developed; and Information required to be disclosed by law; and 5) All such other information that is the exclusive property of Publisher andwhich, if disclosed, could cause harm to Publisher.

6.3 Representations of Publisher. Publisher, on its own behalf and on behalf of itsMarketing Affiliates hereby represents and warrants that it shall not, for any reason or under any circumstance at any time, directly or indirectly use, convert, apply, appropriate, employ, alter, transform, assign, put into operation or otherwise use any of the Confidential Information, in whole or in part, for any purpose whatsoever, other than as expressly permitted herein. Publisher acknowledges any such action taken by it or its Marketing Affiliates is in contravention to this Agreement and is strictly prohibited.

6.4 Injunctive Relief. A breach of this section will cause PALO irreparable harm and shall entitle PALO to immediate injunctive relief without the necessity of posting bond, in addition to an award of damages. But for Publisher’s willingness to agree to this section 6.4, PALO would not have entered into this Agreement with Publisher.

Section 7. Fees.

7.1 Commission(s). Advertiser pays commissions to Publisher in accordance with the commission schedule posted for each Campaign. PALO will facilitate payment by collecting funds from Advertisers and distributing commission payments (less the applicable transaction fee) to

Publisher. Publisher has no right to receive a commission for a payable action (e.g. sale, credit card submit, or submission of contact information by a consumer) that is invalid, generated by fraud, charged back, refunded, or in excess of the maximum of the number of actions specified (in either case, referred to in this clause as “Excess Units”).

7.2 Commission Distribution. PALO will pay to the Publisher a commission payment (“Commission Distribution”) in accordance with the payment terms outlined in each Campaign that Publisher applies for on the PALO network. All payments will be made in United States dollars.

7.3 Timeliness of Payment. PALO shall distribute Publisher’s Commission Distribution after PALO receives funds from the Advertiser. PALO may elect to pay the Commission Distribution prior to receiving funds from the Advertiser. However, any election to pay a Commission Distribution prior to receipt of funds from the Advertiser shall not obligate PALO to continue to make Commission Distribution prior to its receipt of funds from the Advertiser. Publisher is not entitled to payment for a Payable Action that is an Excess Unit.

7.4 Currency. All monetary amounts specified in this Agreement are in United States

dollars.

7.5 Records. Publisher shall maintain accurate records relating to this Agreement and thebusiness methods and materials Publisher and Marketing Affiliates use to conduct each marketing campaign. Publisher agrees that PALO, or any designee of PALO, shall have the right, at PALO’s sole cost and expense, to audit and copy these records and any source documents used in their preparation during normal business hours upon written notice at least five (5) business days before the commencement of the audit. If the audit reveals an overpayment of more than two percent (2%), notwithstanding the foregoing, Publisher shall immediately compensate PALO forsaid overpayment and reimburse PALO for all of its costs and expenses related to the audit. PALO reserves the right to withhold all or some of the amounts due to Publisher in the event PALO determines, in its sole discretion, that Publisher is in violation of this Agreement, for traffic generated by fraudulent means and/or to offset pay due payments to PALO.

7.6 Tracking. Publisher agrees to use tracking code(s) (also known as “pixels”) as requested by PALO for network tracking and reporting purposes.

Section 8. Fraud and Non-Compliant Activity.

8.1 Termination for Fraud or Non-Compliant Activity. If PALO determines, in its sole discretion, that the Publisher or Marketing Affiliate has engaged in any activity that PALO considers to be fraudulent or which might bring the reputation or standing of PALO into disrepute either with the general public or with Advertisers or potential Advertisers of PALO, or otherwise that the Publisher or Marketing Affiliate have engaged in activities which might be considered fraudulent, PALO may, but will not be obligated to:

(a) suspend or terminate the Publisher’s membership in the PALO Network, without notice, release to any third party information relating to the identity and location of the Publisher if required to do so in order to enforce this Agreement; and

(b) withhold all Publisher Commission Distributions for the Campaigns. In addition, in the event that Publisher has already received payment resulting from fraudulent activities, PALO reserves the right to seek credit or remedy from future earnings or to demand reimbursement from Publisher for all Commission Distributions paid;

(c) publisher agrees that PALO is under no obligation to pay for, and will not pay, for, any leads derived from violations of any Applicable Law, the TSR or the TCPA that liability for any violations of the TSR, TCPA, or related laws shall rest with Publisher only, and that Publisher shall indemnify PALO if PALO is held liable for any such violations as provided below.

8.2 Fraudulent and Non-Compliant Activity. Fraud and non-compliant activity includes but is not limited to:

(a) engages in call duration circumvention;

(b) inflates the amount of actions, sales, leads, impressions or calls through any deceptive or misleading practice, method or technology; knowingly permit any person to, inflate the amount of Leads through any deceptive or misleading practice or method including, but not limited to, the use of any spyware, adware, device, program, robot, iFrames, redirects, spiders, computer script or other automated, artificial or fraudulent methods designed to appear like an individual, real live person completing a Lead registration form. 

(c) uses deceptive or abusive telemarketing practices;

(d) fails to obtain the necessary consent required under the TCPA;

(e) transmits calls or text messages without consent;Campaigns;

(f) violates any restrictions in this Agreement or the Campaign;

(g) has conversion rates significantly higher than PALO’s average for similar

(h) places PALO’s or Advertiser’s links on incentivized websites without PALO’sprior written consent;

(i) fails to obtain approval for Marketing Affiliates; or

(j) any activity which is determined by PALO, in its discretion, to be fraudulent. Publisher shall not, nor shall Publisher knowingly permit any other entity or person, to establish or cause to be established any promotion that provides any sweepstakes entries, rewards, points or other compensation to be earned in connection with generating events, or otherwise attempt to induce Users to call on any Campaign through use of any other incentives, or generate traffic in a manner other than as set forth in this Agreement or a Campaign, in each case without obtaining PALO’s prior written approval. The foregoing merely constitutes examples of fraudulent and non-compliant activity and should not be taken as a comprehensive list of all possible fraudulent activity.

Section 9. Term and Termination.

9.1 Term. Beginning on the Effective Date, Publisher may use the PALO Network to promote Advertiser’s offers. The PALO Network is offered on an open-ended basis for a term that begins on the Effective Date. This Agreement shall be deemed to be perpetually in effect without further action by Publisher or by PALO unless either: a) PALO terminates the Agreement or b) Publisher provides PALO written notice at thirty (30) days prior to the intended date of termination.

9.2 Right to Terminate Agreement. If PALO learns, or has good reason to believe, that Publisher or a Marketing Affiliate is not complying with the terms of this Agreement, the Advertising Rules, or the Campaign, PALO shall have the right to terminate this Agreement immediately and require Publisher to stop a specific Marketing Affiliate’s campaigns.

9.3 Notice of Breach. If PALO becomes aware of a breach of the terms of this Agreement, the Advertising Rules or the Campaign by Publisher or its Marketing Affiliate(s), Publisher will

inform Publisher within twenty-four (24) hours of the breach and provide Publisher with detailed information of the breach and the corrective action taken to resolve the breach.

9.4 Termination for Cause. PALO may terminate this Agreementimmediatelyif it learns of, or has reason to believe that, Publisher or its Marketing Affiliate(s) has breached any material provision or warranty in this Agreement or is in violation of the Campaign and/or Advertising

Rules. After termination of this Agreement: 1) PALO shall incur no further liability or obligation to Publisher; 2) PALO may share all information about Publisher and its Marketing Affiliate(s) with any law enforcement agency, government agency, or individual or entity claiming to have been harmed by such breach; and 3) Publisher shall forfeit all unpaid Commission Distributions.

9.5 Notices. All notices shall be given to the appropriate party either in writing by a nationally recognized overnight courier or by email with proof of transmission retained. If notice is to Publisher, then to the address or email that Publisher provided in Publisher’s application. If to PALO, then to PALO, attn.: Legal Department, 6 Main St Ext, #3853, Plymouth MA 02361;[email protected].

Section 10. Miscellaneous Provisions.

10.1 No Continuing Waiver. The failure of either party to insist upon or enforce performance by the other party of any provision of this Agreement or to exercise any right under this Agreement shall not be construed as a waiver or relinquishment to any extent of such party’s right to assert or rely upon any such provision or right in that or any other instance; rather the same will be and remain in full force and effect.

10.2 Force Majeure. Neither party shall be held responsible for any delay or failure in performance of this Agreement caused by fire, global health pandemic, hurricane, tornado, earthquake, tidal wave, meteor strikes, civil war, Internet brown-outs or black-outs, computer hacking, or acts of terrorists (“Force Majeure”) if the effects of such Force Majeure could not have been avoided through the application of reasonable foresight or diligent effort.

10.3 No Joint Venture. Nothing contained herein shall in any way be construed to interpret this Agreement as creating a partnership, joint venture, employment or franchise relationship between the Parties hereto. It is expressly agreed that the Parties are acting hereunder as independent contractors and under no circumstances shall any of the employees of one party be deemed employees of the other for any purpose. This Agreement shall not be construed as authority for either party to act for the other party in any agency or other capacity, or to make commitments of any kind for the account of or on behalf of the other. In this regard, neither party shall hold itself out contrary to the terms of this provision, and neither party shall become liable for the representation, act or omission of the other contrary to the provisions hereof.

10.4 Jurisdiction and Venue. This Agreement shall be governed by and construed in accordance with the laws of the State of Massachusetts. The Parties agree to submit to the exclusive jurisdiction of the federal or state courts of the State of Massachusetts located in Plymouth County for all disputes that arise under or relate to this Agreement.

10.5 Class Action Waiver.PUBLISHER AND PALO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR

REPRESENTATIVE ACTION. Unless both Publisher and PALO agree, no arbitrator or judge may consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding.

10.6 Arbitration.PALO AND PUBLISHER UNDERSTAND AND AGREE THAT ALL CLAIMS, DISPUTES OR CONTROVERSIES BETWEEN PUBLISHER AND PALO, ITS PARENTS, AFFILIATES, SUBSIDIARIES OR RELATED COMPANIES RELATING TO PUBLISHER’S USE OF OUR SERVICES, INCLUDING, WITHOUT LIMITATION, TORT AND CONTRACT CLAIMS, CLAIMS BASED UPON ANY FEDERAL, STATE OR LOCAL STATUTE, LAW, ORDER, ORDINANCE OR REGULATION,  SHALL  BE   RESOLVED  BY  THE  FINAL  AND BINDING

ARBITRATION PROCEDURES SET BELOW. Any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association in accordance with the American Arbitration Association Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. All claims shall be heard by a single arbitrator and the arbitration shall be governed by the laws of the State of Massachusetts. The place of arbitration shall be Plymouth County, Massachusetts.

10.7 Waiver of Jury Trial.EACH PARTY TO THIS AGREEMENT HEREBY KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY WAIVES ANY RIGHT THEY MAY HAVE TO A TRIAL BY JURY IN RESPECT TO LITIGATION BASED UPON THIS AGREEMENT OR ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS AGREEMENT, THE ADVERTISTING RULES, AND/OR THE CAMPGAIGN, OR ANY OTHER AGREEMENT CONTEMPLATED AND EXECUTED IN CONNECTION HEREWITH, OR ANY COURSE DEALING, COURSE OF CONDUCT, STATEMENTS (WHETHER VERBAL OR WRITTEN) OR ACTIONS OF ANY PARTY HERETO.

10.8 Entire Agreement. This Agreement is the complete agreement between the Parties with respect to the subject matter hereof, and supersedes and replaces all prior agreements,

communications, and understandings (both written and oral) regarding such subject matter. The terms and conditions of this Agreement will prevail over any contrary or inconsistent terms in any other writing. PALO may change the terms and conditions of this Agreement in the future. Unless this Agreement or applicable law specifies otherwise, PALO will give Publisher thirty (30) days prior notice of any significant change to this Agreement. If Publisher finds the change unacceptable, Publisher has the right to cancel your Publisher Agreement. However, if you continue to use PALO Network after the end of the notice period of the change, Publisher will be considered to have accepted the changes. Publisher may not modify this Agreement by making any typed, handwritten, or any other changes to it for any purpose.

Section 11.Insurance.

During the Term (and, to the extent that any insurance is carried on a claims made basis, for such period thereafter that claims may be legally made with respect to occurrences during the term) and in any event prior to commencement of Services, Publisher shall have and maintain in force, at Publisher’s expense, no less than the following types and amount of insurance coverage:

1.     Commercial General Liability: $1,000,000 per occurrence and $2,000,000 aggregate.
2.   Umbrella/Excess Liability: $2,000,000 per occurrence.
3.   Professional Liability/Errors and Omissions: $5,000,000 per claim and aggregate.
4.   Cyber/E-Commerce Liability: $5,000,000 per claim and aggregate.
5.   Fidelity and Computer Crime: $5,000,000 per claim and aggregate.
6.   Cyber Insurance: $10,000,000 per claim and aggregate.

APPENDIX A: ADVERTISING RULES

Section 1. Phone and Mobile Messaging Solicitation Obligations. For the purposes of Advertising Rules “contact” means: (1) transmitting text messages (“texts”), or causing texts to be transmitted; or (2) initiating telephone calls, or causing telephone calls to be initiated. All text message and creative used by Publisher and Marketing Affiliate in its advertising must be provided by the Advertiser. If Publisher or its Marketing Affiliates wish to generate or use their own content or creative, they must notify PALO of the intent to do so and must obtain PALO’sexpress written consent and approval in advance.

Section 2. Trademarks: Publisher and Marketing Affiliate will not use any trademark, trade name, logo, or other proprietary material of PALO except with the permission of PALO and subject to any conditions that PALO may impose on such use. Publisher and Marketing Affiliate agree to not misrepresent PALO or its products and services.

Section 3. Compliance Regarding Communications: Publisher and its Marketing Affiliate(s) shall conduct all calls, communications, e-mails, advertising, marketing, sales, and transmissions in strict compliance with all applicable laws, rules, and regulations, including but not limited to all laws, rules, and regulations governing: 1) the transmission of telephone calls; 2) the transmission of unsolicited commercial electronic mail messages or “spam” (this includes without limitation the Can-Spam Act of 2003); 3) email and Internet-based marketing (this includes without limitation the Telemarketing Sales Rules of the United States Federal Trade Commission); 4) marketing to minors; 4) the Telephone Consumer Protection Act; 5) the Fair Debt Collections Practices Act; and 6) the Fair Credit Reporting Act; and all other applicable laws related to pre recorded telephone and/or text messages and the use of automated dialing equipment.

Section 4. No Incentivized Lead Generation: Publisher and Marketing Affiliate shall not use incentivized lead generation methods or techniques.

Section 5. When using email as a promotional method:

5.1 Accuracy of Headers. Emails must have accurate email header information (including source, destination, and routing information) and accurate subject lines.

5.2 Email Requirements/Opt Out. Emails must include an identification that the message is an advertisement or solicitation; a functioning return email address or other Internet based mechanism that a recipient may use to “opt-out” of receiving future messages; and a valid physical postal address of PALO.

5.3 Email Addresses. Publisher and Marketing Affiliate must not send email messages to an email address that has opted out. Publisher and Marketing Affiliate must not sell, lease, exchange or otherwise transfer or release any such email address except as required by law;

5.4 Monitor Email. Publisher and Marketing Affiliate must enable PALO to monitor email messages to ensure compliance with all applicable laws.

5.5 Email Restrictions.

(a) Publisher and Marketing Affiliate must not send email messages to email addresses that have been improperly obtained, including addresses harvested from the internet without consent and randomly generated addresses;

(b) Publisher and Marketing Affiliate must not send email messages from

accounts obtained using scripts or other automated means of registering for multiple email accounts;

(c) Publisher and Marketing Affiliate must not use email accounts or domain names that were created using information that falsifies the identity of the registrant; and

(d) Publisher and Marketing Affiliate must not relay email messages through a computer or network without written permission.

Section 6. Publisher and Marketing Affiliates Requirements:

6.1 Consent. Publisher and Marketing Affiliates will obtain receiving party’s prior express written consent and Publisher and Marketing Affiliate shall keep records of consents in satisfaction of the Telephone Sales Rule (“TSR”), the Telephone Consumer Protection Act (“TCPA”), and of this Agreement. Consent records must include the following: (a) screenshots of the consent language appearing on all marketing materials used to collect each lead; (b) the IP address of the source of the lead; (c) the date and time stamp indicating the time the lead was collected; (d) any other identifying data; (e) all materials concerning the Trusted Form or Jornaya Token; and (f) any other information upon PALO’s reasonable request.

6.2 Opt-In. Publisher and Marketing Affiliate will obtain such receiving party’s “opt in” consent to receive, or Publisher and Marketing Affiliate has other legal basis to send such constituent text messages using automated dialing equipment.

6.3 Opt-Out. Publisher and Marketing Affiliate will provide receiving party with a simple mechanism for opting out or unsubscribing from receiving text messages including information on how to “opt-out” or unsubscribe.

6.4 Records. Publisher and Marketing Affiliate shall keep for at least 5 years records of all consents required under the TCPA and TSR, and all scripts used by telephone sales representatives under this Agreement. Publisher shall keep for at least 3 years all audio recordings of telephone calls placed by Publisher under this Agreement. Publisher must provide these records to PALO within five business days on request. PALO may hold and retain copies of such consent records.

6.5 Monitor Calls. Publisher and Marketing Affiliate must enable PALO to monitor calls to ensure compliance with all applicable laws.

Section 7. Publisher and Marketing Affiliate Prohibitions.

7.1 The Publisher and Marketing Affiliate shall not:

(a) engage in offline marketing, including facsimile or telemarketing;

(b) engage in any deceptive or abusive telemarketing practices, as defined by the Federal Trade Commission’s Telemarketing Sales Rule (16 CFR Part 310);

(c) use any automated system to contact any telephone number assigned to a paging service, cellular telephone service, specialized mobile radio service, or other radio common carrier service, or send texts to any service for which the receiving party is charged for a text;

(d) transmit text messages, or cause texts to be transmitted, without the prior express written consent of the receiving party to receive text messages specifically from the sender;

(e) contact any recipient outside of the hours established by then-current federal time-of-day requirements (16 CFR § 310.4(c)), currently between 8 a.m. and 9 p.m. local time of the recipient;

(f) contact any phone number on relevant suppression lists provided by PALO, populated either by specific requests for opt-outs or the national Do Not Call registry. Publisher shall record any opt-out request it receives, scrub the requester’s contact information from its lists, and refrain from contacting that individual’s phone number. It is Publisher’s responsibility to register for and obtain its own copy of Do Not Call lists from the Federal Trade Commission and obtain any State specific Do Not Call lists;

(g) use phone numbers that have been improperly obtained, including phone numbers harvested from the internet without consent and randomly generated phone numbers; and

(h) Publisher and Marketing Affiliate must not send email messages to an email address that has opted out. Publisher and Marketing Affiliate must not sell, lease, exchange or otherwise transferor release any such email address except as required by law.

7.2 PALO may at any time audit the Publisher for compliance purposes. Publisher agrees to provide PALO with any reasonable information necessary to conduct an investigation into Publisher’s compliance with law and this Agreement and the Campaign.

Section 8. Endorsements: All advertising using endorsements must strictly comply with the Federal Trade Commission’s Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 CFR, Part 255, as amended).

Section 9. Use of Third-Party Intellectual Property: Publisher and Marketing Affiliate shall not use any content that infringes upon the rights of third party, including copyright, trademark, privacy, publicity or other personal or proprietary right.