AGWS Corporate Overview - Flipbook - Page 24
Seller Code of Conduct
It is the policy of the American Guardian Group of Companies (AGWS) to provide our Seller Code of
Conduct for Retail Sales (Seller Code of Conduct), which will serve as a guide to the proper sales practices
for all retail sellers (Sellers) of AGWS products. This means following the basic parameters as outlined below:
Transparent, Honest, and Accurate
• S eller shall market all products using comprehensive, clear, plain, and easily understood standard
language including, without limitation, accurate and detailed descriptions of the product and its
benefits, terms, and cost. Seller shall not misrepresent, add, remove, or otherwise modify the terms and
conditions of any product or contract terms, or engage in any deceptive, false, unethical or unlawful
marketing practices.
• Seller shall only advertise, market, or offer products using materials, forms, and other resources provided by
AGWS. These forms shall not be modified, altered, or duplicated without the prior written consent of AGWS.
• S eller shall provide a written copy of the terms and conditions of any product contract at the time of sale.
All Customers should be given adequate time to review every document and ask any questions related
to the product prior to being asked to execute a contract. Seller shall not guess or make-up answers to
questions to which they do not know the answer.
• S eller shall disclose to the Customer that the products are optional and not required to obtain financing,
receive more favorable credit terms, purchase the vehicle, or receive a reduced price on the vehicle.
Promote Good Sales Practices
• S eller shall market products utilizing a value-added selling technique. Sellers shall not create a false sense
of urgency or employ high pressure sales tactics related to the sale of products. Seller shall not market a
product via intimidation, coercion, bullying or aggressive insistence.
• S eller shall always disclose products, prices, and associated fees. No product should ever be marked as
“free” or packed into the purchase price or payment amounts. Seller should avoid generalized pricing
statements such as “only a few dollars per month.”
• S eller shall be straightforward, honest, and truthful in all business relationships; avoid conflicts of interest
and not be associated with any information that is materially false, misleading or which is misleading
by omission.
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