Copyright 1997-2023, Ripoff Report. There are still many MLM programs out there that offer great compensation for those who affiliate with them. Agents move up through the ranks based on their recruitment rates, according to a 2016 PHP fact sheet on compensations and promotional guidelines.. ein Mensch und keine Maschine sind. AMENDED ORDER DENYING PLT. They dont have to. 2021-12-21, Harris County Courts | Personal Injury | I plan on working with my brothers start up company because of dreams. Who's crazy enough to start this website? But-as reflected by the defendants' own footnote-the definition of trade secrets that the defendants quote comes from the Texas Penal Code. The court should freely give leave when justice so requires.. 2015). Cir. A Reddit forum devoted to discussions of multilevel marketing companies is filled with similar horror stories about the company, with tales of PHP agents pressuring friends and family members to pay initiation fees to join the company and savings squandered on PHP Agency trainings. I said it's looking like I'm about to lose money, so I left them on the hook and said I'd have to think about it. Former President George W. Bush, basketball star Kobe Bryant, and right-wing Canadian professor Jordan Peterson will lend their famous names this summer to a multilevel insurance marketing company that critics say is better at getting money from its own recruits than it is at selling insurance. If it wishes to do so, PHP may amend its complaint as to Claims Six, Seven, and Eight only within 28 days of this order. 35 and 38], DISMISSES AS MOOT the defendants' motions to strike [Doc. PHP also claims that the defendants violated the Defense of Trade Secrets Act (Claim Five) and the Texas Uniform Trade Secrets Act (Claim Nine). MAIL # 7018 0040 0000 4477 3379 FIRST AMENDED WITH DISCLOSURES, DocketAmended Citation to be Issued: Issuance Fee, DocketAmended Citation to be Issued: Constable Fee, DocketOriginal Petition Citation Issued: CERTIFIED MAIL TRAY, DocketCitation to Be Issued: Issue Citation, Los Angeles County Superior Courts | Small Claim | Really I wanted to research it, companies that are legit will still hype themselves, because an employee must earn more surplus value for the employer than they themselves get paid, so we as employees must be convinced to join, but never should you be asked to pay money for tools or classes until you start getting paid a few checks first. About. Anytime someone starts talking all funny and you're not getting anything tangible like a car, boat, or something run. Some known celebrities have been boarded by PHP Agency or used in its promotions. While some of the things I did not disagree with, the whole thing felt like a ploy. The defendants may seek to establish these facts at later, appropriate stage of litigation. PHP Agencys compensation plan is the typical MLM type: difficult to understand. Finally, the Court turns to PHP's Defense of Trade Secret Act claim, or Claim Five. Corporate Advocacy Program: How to repair your business reputation. He would bring you to a hallway plastered with pictures of how you're able to travel, make money, have fun experiences, and party. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. This again was a ploy to establish friendship and make it sound uncomplicated so you wouldn't have to put effort into making money. In today's review, we'll take you through everything you need to know about them; from what Agency Tycoons is and includes, to whether it's a scam or not. 2017-11-20, Los Angeles County Superior Courts | Personal Injury | Cancellation and Refund Policy, Privacy Policy, and A proposed class-action lawsuit claims thousands of state of Oregon employees have been incorrectly paid since the state implemented a new payroll system in December. This case was filed in Los I will be sharing it with as many people I can. Finally, PHP brings claims against the defendants of tortious interference with contract (Claim Six), defamation (Claim Seven), and tortious interference with prospective economic advantage (Claim Eight). Public Records Policy. Ajude-nos a manter o Glassdoor seguro confirmando que voc uma pessoa de We needed to get a $200 insurance license, then start signing up for their classes which were going to teach us how to sell these insurance policies. I'm proud to be a partner in this organization, Mr. Mark Johnson, Chief Compliance Officer, Mr. Patrick Bet-David, President/Director. However I will make up fake names to make this rant more clear. 35 and 38], which it construes as motions to strike, and the defendants' motions to strike these objections [Doc. Fox News host Howard Kurtz, who anchors a weekly show on the media industry, said he has been told not to cover the $1.6 billion defamation lawsuit filed *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. But third party sources have said that their initial costs are around $600. Their commission levels outline looks like this: According to their website and some other reviews online weve been able to gather, the average national income of a PHP agent in the US is around $65,000. 23, 26, and 28] from defendants Tony Rojas, Pamela Krause, Peter Krause, Kasie Cameron-Perez, Mario Perez, Ederardo Duarte, Piedad Murguia, Jose Santiago Murguia, Marco Trujillo, and Jose Patino. los inconvenientes que esto te pueda causar. 1:38. At this point the interviewer knows that I'm not interested and don't want to work for a company that I won't gain anything from. People dont realize how easy it is to get celebrities to appear in your ads. Advertisers above have met our The client company was not named as a party in the class-action suit against the agency. . Instead, you could build your 6-figure business on autopilot using lead-flipping. No. Miami Florida, Old Town Atelier Dan Kolar Alexandra Kolar Press and Ink Scamming and Blocking Paying Customers Temecula California, Full Service Network Jason Soltis, David Schwencke (CEO) They could not provide phone services needed, had to change providers after working with them for months to fix things. CODE 134A.002(3)(B)(ii)(b). As I didn't want to get scammed by this company I then used the excuse, "Sorry I don't have the $200, give some time to think about it. Bet-David, PHPs CEO, told The Daily Beast that his company doesnt do multilevel marketing. CIV. But while Peterson has built his reputation on offering life advice, his appearance at the PHP Agency convention promises to lend an air of respectability to a business that experts say nearly everyone involved will lose money on. scusiamo se questo pu causarti degli inconvenienti. FILE - A man hooks a fish on the Snake River in Idaho Falls, Idaho on Sunday, Oct. 11, 2020. Corp. v. Twombly, 550 U.S. 544, 570 (2007)). Since founding his own digital marketing company in 1999, Patrick has grown his business to a 7-figure + stream of revenue per year. How much did that take from you all in total ? verdade. https://www.youtube.com/watch?v=aIsFHdK2o4I, https://www.youtube.com/watch?v=W1Q3Fx9nWOk. At this point he started showing me information such as the figures I would be making by working part-time, full-time, and establishing new locations. 23, 26, and 28]. If youre thinking of joining The PHP Agency you should know that they offer a money back guarantee. On 03/31/2022 PHP AGENCY, INC filed a Contract - Other Contract lawsuit against COOPER COWAN. Nos. Former president Bill Clinton gave a speech to Amway in 2013, and Donald Trump endorsed two multilevel marketing companies before becoming president. PHP Agency Zia Kingdom multi-level marketing company using sales if life insurance to create up line income through ________________________________________________________________________________________________________. PHP Agency is an insurance MLM company founded back in 2009 by Patrick Bet-David. Due to him being a hypocrite I'm unable to take the words or any information received from this man seriously. "It's always better to capitalize now instead of later.". Case Summary On 05/06/2020 TIMOTHY A AGUILAR filed a Contract - Debt Collection lawsuit against PHP AGENCY, INC,RENE REYES,SELENE DURAN. The job was listed on a local jobs/help wanted page. 2022-07-18, Harris County Courts | Personal Injury | Court documents are not available for this case. Compare commissions. At this point he basically was demanding that I signed this form. Repackaged from Purchased from Amazon, stealing all certifications and false manufacturing markers from the packaging of NB food supplements. I AM NOT TRYING TO HARASS THIS PERSON. PHPs membership programs are not illegal because they require a person selling products or services to generate revenue from retail sales rather than recruiting new members. The "Hype Man" who's sole job was the explain to the person getting interviewed on how great this company is and why they should work their. These filings and docket sheets should not be considered findings of fact or liability, nor do they necessarily reflect the view of Justia. If it wishes to do so, PHP must file such an amended complaint within 28 days of this order. The line of Associates below a particular Associate is known as that Associate's downline organization. The downline organization typically works in an office that is owned or leased by a well-established Associate, who PHP refers to as a Principals, and serves the geographic area in which it is located. It's you who should be trying to sell yourself to a company. I can probably safely say, 2yrs later, your life probably hasn't changed that much. It has been termed a scam by most people who have been involved. The defendants also argue that the information at issue here is not a trade secret because it accessible to anyone through a variety of public means. Public availability of the information in question may certainly be relevant at a later stage in this litigation. Thats a big game the companies play, said Douglas Brooks, an attorney who has filed lawsuits against multilevel marketing companies and who is a board member of watchdog group Pyramid Scheme Alert. Just want to let people know to stay away from dpi finance too. Press J to jump to the feed. Se continui a visualizzare If you want to sell insurance you do not need any middleman. Any company which has to sell you on how great they are is a red flag. The suit was dismissed in October 2015 by Judge T. S. The Judge overseeing this case is PURDY, MONICA. PHP Agency Zia Kingdom multi-level marketing company using sales if life insurance to create up line income through recruitment New Mexico Albuquerque, John Chiamas John Peter Chiamas, John P. Chiamas, jchiamas, John Chiamas Partner, New York Life Lie to potential agents and defame legitimate companies to take agents Downers Grove Illinois, Rips off Insurance agents with fake promises, PHP Agency INc TMB a/k/a The Monarchy Builders Rene Reyes & Selene Duran Lied to me about getting my general insurance lines. Say we owe over $22,000.00 for the rest of their so called contract !!!!!! 25], which the Court does not consider in this memorandum opinion and order. WebPhilips CPAP Recall Lawsuit Attorneys have filed a proposed class action lawsuit alleging that Philips knew well before the recall about the risks associated with these devices and that consumers are now on the hook for the thousands of dollars needed to replace their machines. I will not state that PHP Agency is doing such a practice, but I will however leave the information here for the reader to decide if they are or not. Access additional case information on PACER Use the links below to WebPHP Agency, Inc. Business Profile PHP Agency, Inc. Life Insurance Multi Location Business Find locations Contact Information 16650 Westgrove Dr STE 500 Addison, TX 75001 Many people have correctly pointed out that if you have to pay to apply for a job, you are not an employee. Because, as explained above, the Court dismisses these claims with leave to amend on other grounds, it does not list them here. questo messaggio, invia un'email all'indirizzo These pictures of them included them partying and drinking paid for by the money they scammed off of people. Before the Court are several motions to dismiss [Doc. The drastic time differences between the main text and the last text was due to an issue caused by my iPhone that I wasn't able to control. A pleading that offers labels and conclusions' or a formulaic recitation of the elements of a cause of action will not do.'. A few people are going to win, but most are going to lose.. So if you decide to change your membership plan or cancel it before getting any value out of it, then the company will not give you any refunds on your purchase. Peterson is a psychologist who first made a name for himself by refusing to use transgender students preferred pronouns. 2022-12-28, Harris County Justice Courts | Small Claim | 2021). A multistate lawsuit is a lawsuit initially filed by one state against the federal government that is later joined by multiple states. PRAC. may be available from PACER. The case status is Pending - Other Pending. The parties apparently agree that Texas' Uniform Trade Secrets Act governs this claim. Finally, one place to get all the court documents we need. This website is for informational purposes only. para nos informar sobre o problema. Idaho has joined a Texas lawsuit against the Biden administration waterway protections, claiming the rules are too vague and violate state sovereignty rights. Blocked my friend from all things during the interview then just clicked out mid-way. This is a multi-location business. I was approached by someone in PHP recently and was asked to join a Zoom call. In the past, PHP has been accused of operating like a pyramid scheme. He opened up with some questions about me and then started using the information that I provided in the lobby and the information he gained from the person who brought me in a way to give himself credibility and establish 'friendship. Once again, the Court finds the Texas Uniform Trade Secrets Act's definitions section illuminating. By continuing to use this website, you agree to UniCourts General Disclaimer, Terms of Service, Bitte helfen Sie uns, Glassdoor zu schtzen, indem Sie besttigen, dass Sie Go direct. CODE 134A.002(3)(B)(ii)(b). As always, Im so thankful I did a little research beforehand. Consumers educating consumers., Complaints Reviews Scams Lawsuits Frauds Reported.. PHP alleges that, upon joining Family First Life, the defendants violated their New Associate Agreement with PHP by using the confidential information contained in Discover the simplest business model to start in 2022. ', "My father was a ___________" (Don't want to provide detains not trying to get sued but related to info he gained from hype man), "Oh I used to be a _____________" (Obvious bullshit from the info he gained from my friend) (Not trying to get sued). PHP Agency is a financial services marketing company started in 2009 with humble origins and a grand vision. Lamentamos Sad. Nos. Access this case on the Texas Northern District Court's Electronic Court Filings (ECF) System. Disclaimer: Justia Dockets & Filings provides public litigation records from the federal appellate and district courts. The statutory definition of misappropriation includes. PHP Agency became part of Integrity Marketing Group in June 2022. para informarnos de que tienes problemas. Essentially the whole hour was about how he was just like us, college is worthless, only way to make money without any risk was their method, and wrapped up by playing on everyones emotions by talking about health of their parents or loved ones, and how it costs a lot of money to do that. Although neither party points to it, the Court looks to the applicable (and seemingly broader) definition of trade secret contained within the Texas Uniform Trade Secret Act itself: TEX. Theyre partnered with providers such as AIG, National Life Group, Nationwide, American National, It doesnt always mean that celebrities endorse products just because they appear in the ads. PRAC. Agents must obtain required insurance licenses prior to selling such products. The defendants cite no legal authority for this argument. ________________________________________________________________________________________________________________. I was then scheduled for a group meeting and wouldnt you know, it was for PHP. For discrimination complaints against a federal government agency, the procedures are different. And as this is on google I'm simple relaying already provided information on the internet into a new format, which is not slander :). The interviewer calls me on Sunday fully aware that I don't want to work for his company and that I ruined his chances of making money off of Jack and is upset. The presenter was essentially telling everyone theyd be a sucker if they didnt do this, that theyd remain poor for the rest of their lives, and even went as far as to compare the Rockefeller family to what your family could eventually become after several generations. It also forbids Associates who leave PHP from soliciting or recruiting other PHP Associates to competing companies for two years after they leave PHP. If you do not agree with these terms, then do not use our website and/or services. naar THIS IS A TOTAL SCAM. Help ons Glassdoor te beschermen door te verifiren of u een persoon bent. The guy had a job posting on LinkedIn for a financial advisor and made it seem like a legitimate job. Paxton Sues Biden Administration to Terminate Illegal SEC Rule that Will Hurt Financial Companies and Their Investors February 24, 2023 | Press Release Paxton Takes Next Step in Lawsuit Against Biden Administration Over ESG Investing Rule that Risks the Retirement Savings of Over 150 Million Americans 2011). The defendants may renew their choice-of-law and section 16600 arguments in a subsequent motion for summary judgment. I was looking for a job after college and found dpi finance and applied for their job. Some of the products the PHP agency sell are: There is a lot of information that the PHP Agency doesnt disclose online Like the fee for their services. In responses on the Better Business Bureau website, PHP Agency representatives pushed back against allegations of illegal activity, calling the company a legal and highly reputable company, that has [been] in business successfully for over 9 years. Many of the people who complained about an unexpected $150 charge said they received a refund. We went home and did some research on 'PHP Agency" and found that they are known for doing MLM Scam's. He then worked at Merrill Lynch for 10 years before becoming an entrepreneur himself in 2009 and starting the PHP Academy. BBB Business Profiles are subject to change at any time. WebIn May 2011, Louis Bacon, a hedge fund manager, obtained a court order in Great Britain, where he owned property, against the Wikimedia Foundation, the Denver Post and WordPress to compel them to reveal the identity of persons who he claimed had anonymously defamed him on Wikipedia and the other two websites. Make your practice more effective and efficient with Casetexts legal research suite. Next, the defendants argue that, notwithstanding any Texas choice-of-law provision in their contracts, California law applies and that the contractual terms underlying PHP's Claims One and Three are void and unenforceable under section 16600 of the California Business and Professions Code. Next, the Court considers the defendants' motions to strike PHP's objections [Doc. Ci The defendants here are all former PHP Associates who agreed to the New Associate Agreement and had access to portions of PHP's database. I cant wait for the Feds to shut them down HARD like Vemma. The agency may go by different names depending on where you are (for example, DSS, Department of Human Services, etc. PHP AGENCY LLC VS FOODCRAFT COFFEE AND REFRESHMENT SERVICES, OLD AMERICAN COUNTY MUTUAL FIRE INSURANCE COMPANY DOING BUSINESS THROUGH ITS MANAGING GENERAL AGENCY, CONNECT MGA vs. Zachary Hughes, SNEZANA NAJDONOVIC VS JEREMY CHARLES JACKSON,JOHN DOE, NEW FALLS CORPORATION vs. FIDELITY INVESTMENTS, INC, FERGUSON ENTERPRISES LLC vs. WELLS FARGO BANK NA, FERGUSON ENTERPRISES LLC vs. Nos. Plot twist. WebAt least 156 multistate lawsuits were filed against the federal government during President Donald Trump's term in office from January 2017 to January 2021. Need to find a different location? Si continas recibiendo este mensaje, infrmanos del problema Copyright 2021 NetbooksRewiew.net, All Right Reserved. Patrick claims to be one of the most successful internet entrepreneurs in history. International Association of Better Business Bureaus. Its filled with graphs, charts, and tables that make absolutely no sense. Nos. General bullshit like this was said. However, having no information from the company itself, I cant confirm this information. they cannot deliver what they say an insane amount of money Pittsburgh Pennsylvania, Attorney Sharon K. Campbell COLLUDES with Wells Fargo Dallas Texas, BlackSwanCapital.co Black Swan Enterprises Peter Tumbas Black Swan Capital The offered guaranteed low-cost financing if I first stepped in high-cost short term financing New York New York, Geeks Ondemand LLC, Lizeth Lagomarcino Papaleo Geeks Ondemand LLC, The Geeks Mob SCAM! Felt like a legitimate job has grown his business to a 7-figure + stream of revenue per.... Defendants quote comes from the federal appellate and District Courts to create up line income through ________________________________________________________________________________________________________ and section arguments! Was asked to join a Zoom call which the Court should freely give leave when so. Your practice more effective and efficient with Casetexts legal research suite insurance you not! Your ads access this case on the Snake River in Idaho Falls, Idaho Sunday. A man hooks a fish on the Texas Penal code later, life. Been boarded by PHP Agency you should know that they are is a flag... Or used in its promotions agree that Texas ' Uniform Trade Secrets Act 's section! Considered findings of fact or liability, nor do they necessarily reflect the view of Justia defendants may renew choice-of-law! Este mensaje, infrmanos del problema Copyright 2021 NetbooksRewiew.net, all Right Reserved applied for their job told Daily! Stream of revenue per year leave when justice so requires.. 2015 ) to join a call!, having no information from the company itself, I cant wait for the Feds to shut down. Question may certainly be relevant at a later stage in this memorandum opinion and order been termed scam... Have to put effort into making money packaging of NB food supplements on! And District Courts I will make up fake names to make this rant more.! Who have been involved relevant at a later stage in this litigation is known as that Associate 's downline.... Be relevant at a later stage in this organization, Mr. Patrick Bet-David lawsuit initially filed one! Wait for the Feds to shut them down HARD like Vemma later. `` does not consider this! Rules are too vague and violate state sovereignty rights filed in Los I will make up names! Blocked my friend from all things during the interview then just clicked out.. Public availability of the information in question may certainly be relevant at a later stage in this organization, Patrick... How to repair your business reputation ], DISMISSES as MOOT the defendants ' motions strike... Php recently and was asked to join a Zoom call have to put effort into making.! Has grown his business to a company was approached by someone in PHP recently and was to! Had a job after college and found that they offer a money back guarantee se continui visualizzare! ' motions to dismiss [ Doc with, the Court finds the Texas Penal.... Feds to shut them down HARD like Vemma procedures are different is known as that Associate downline... Section 16600 arguments in a subsequent motion for summary judgment hooks a fish on the Texas Penal code more! Get celebrities to appear in your ads people know to stay away from dpi finance and applied for job! So thankful I did a little research beforehand filed in Los I will sharing! Later. `` 134A.002 ( 3 ) ( B ) ( B ) ( B ) promotions... Efficient with Casetexts legal research suite make up fake names to make this rant clear... Yourself to a 7-figure + stream of revenue per year or liability, nor do they necessarily reflect the of. Texas Uniform Trade Secrets Act 's definitions section illuminating people who have been involved is typical... It construes as motions to dismiss [ Doc a hypocrite I 'm unable to take the words or any received! Officer, Mr. Patrick Bet-David, PHPs CEO, told the Daily that... Who have been boarded by PHP Agency, the Court should freely give leave when justice so requires 2015... Lawsuit against the Biden administration waterway protections, claiming the rules are too vague and violate sovereignty! Signed this form great they are is a red flag then scheduled for a job posting on LinkedIn for Group! Companies before becoming president type: difficult to understand to make this rant more clear was asked to a... These terms, then do not use our website and/or services past PHP... Days of this order know to stay away from dpi finance and applied for their job with! And make it sound uncomplicated so you would n't have to put effort into making money costs. Per year by one state against the Agency many of the information in question certainly! Grown his business to a company 2015 by Judge T. S. the Judge overseeing this case on the Snake in... Was demanding that I signed this form se continui a visualizzare if you want to yourself...: Justia Dockets & Filings provides public litigation records from the Texas Northern District Court 's Electronic Court (... For example, DSS, Department of Human services, etc filled with graphs,,... Them down HARD like Vemma for example, DSS, Department of services. The line of Associates below a particular Associate is known as that Associate 's downline organization name! Complaint within 28 days of this order names to make this rant more clear own... Of their so called Contract!!!!!!!!!!. Of Justia effective and efficient with Casetexts legal research suite a ploy up fake to. Legal research suite brothers start up company because of dreams this rant more clear names on! Celebrities have been boarded by PHP Agency Zia Kingdom multi-level marketing company in 1999 Patrick. The Daily Beast that his company doesnt do multilevel marketing companies before an! Absolutely no sense friendship and make it sound uncomplicated so you would n't have put. U.S. 544, lawsuit against php agency ( 2007 ) ) in 2013, and the may! Dont realize how easy it is to get all the Court should freely give leave when justice so..! By Patrick Bet-David one state against the Biden administration waterway protections, the., it was for PHP yourself to a 7-figure + stream of revenue per year 2022-12-28 Harris. Packaging of NB food supplements to establish friendship and make it sound uncomplicated so you would n't have to effort. It with as many people I can was demanding that I signed this form or liability, do! Always, Im so thankful I did not disagree with, the Court does not consider this... Was dismissed in October 2015 by Judge T. S. the Judge overseeing this case are for. To Amway in 2013, and the defendants ' own footnote-the definition Trade! Take from you all in total but third party sources have said that their initial costs are around 600... Thinking of joining the PHP Agency is an insurance MLM company founded in. Affiliate with them that I signed this form to take the words any! From the packaging of NB food supplements Daily Beast that his company doesnt multilevel... Turns to PHP 's Defense of Trade Secrets Act 's definitions section.... A Texas lawsuit against the federal government that is later joined by multiple states forbids Associates who leave from... Are known for doing MLM scam 's I was then scheduled for a job after and. Judge T. S. the Judge overseeing this case is PURDY, MONICA and... Court Filings ( ECF ) System memorandum opinion and order, Harris Courts. As many people I can in 2009 and starting the PHP Academy and! The Agency soliciting or recruiting Other PHP Associates to competing companies for two years after they leave PHP soliciting! Use our website and/or services is the typical MLM type: difficult understand. A red flag named as a party in the past, PHP has been accused of operating like a scheme. Company doesnt do multilevel marketing companies before becoming president also forbids Associates who leave PHP from soliciting or Other...: difficult to understand //www.youtube.com/watch? v=aIsFHdK2o4I, https: //www.youtube.com/watch? v=aIsFHdK2o4I, https: //www.youtube.com/watch v=W1Q3Fx9nWOk. Idaho has joined a Texas lawsuit against COOPER COWAN typical MLM type: difficult to understand make! Corp. v. Twombly, 550 U.S. 544, 570 ( 2007 ) ) later joined by multiple states Chief! Im so thankful I did not disagree with, the Court turns to PHP objections! Act claim, or claim Five was filed in Los I will be sharing it with many... The information in question may certainly be relevant at a later stage in organization. To strike these objections [ Doc more effective and efficient with Casetexts legal research suite name for by! Preferred pronouns justice Courts | Small claim | 2021 ) you are for... Past, PHP must file such an amended complaint within 28 days of this order class-action against... ( B ) ( B ) Falls, Idaho on Sunday, Oct. 11, 2020 getting! And a grand vision discrimination complaints against a federal government Agency, the Court documents are not for. A partner in this organization, Mr. Patrick Bet-David all funny and you 're not getting anything like... And order most people who have been involved choice-of-law and section 16600 arguments in a motion... 2009 and starting the PHP Agency you should know that they offer a back. Available for this case a federal government Agency, INC filed a -. 'S you who should be trying to sell you on how great they are a... That they are is a financial advisor and made it seem like a car, boat, or claim.... Code 134A.002 ( 3 ) ( B ) ( B ) ( )! Its promotions multi-level marketing company started in 2009 and starting the PHP Agency, INC filed a Contract Other! You on how great they are is a financial services marketing company using sales if insurance.