Disclaimer

By using this site and all other sites under its management, you, herein known as “User,” agree to all of the following, including our Terms and Conditions, Return Policy and Privacy Policy. The User understands this product to be an expression of opinions and not professional, financial or legal advice. All information offered by this website and company, herein known as “Provider,” is provided for private educational use only. Provider’s website(s), downloads, emails and products are published with the understanding that the author, publisher and Provider, jointly and severally, are not engaged in rendering legal, financial, medical, or other professional advice. Any information provided, whether online, in print or over the phone, constitutes lay opinion and assumes no liability whatsoever for errors, omissions, or contrary interpretation of the subject matter herein. All decisions made based on the material in this book are ultimately done at the discretion of the User. Whilst every effort has been made to accurately represent, there is no guarantee provided. All information is offered as-is. Examples and samples in these materials are not to be interpreted as a promise or guarantee of anything. User shall adhere to all local, state and federal laws accordingly. Any perceived slights of specific persons, peoples, or organizations are unintentional. Provider does not provide legal advice, interpretation, or analysis which could be interpreted as the practice of law. Provider does not and cannot suggest a document to use in any legal situation. All documents are offered as-is and without guarantee.

Provider is not responsible for User’s actions. User holds Provider, all members, affiliates, et. al. harmless in any event or claim. User agrees to first notify the Provider of a valid claim in private. If personal resolution attempts fail, parties shall submit the dispute to binding arbitration. Conducted in the county and state of Provider’s incorporation. The arbitration shall be conducted by a single arbitrator, and such arbitrator shall have no authority to add Parties, vary the provisions of this Agreement, award punitive damages, or certify a class. The arbitrator shall be bound by common law. User shall render payment for the arbitrator, to be recompensed by Provider on successful claim. All judgements will be binding and final on both parties. Verdict may not exceed the product price paid. Claims necessitating arbitration under this agreement include, but are not limited to: contract claims, tort claims, claims based on federal and state law, and claims based on local laws, ordinances, statutes, taxes or regulations. Users waive any rights they may have to a jury trial in regard to arbitral claims.  Provider is not a licensed financial institution, a debt settlement agency, a credit counseling agency, a credit repair organization, a law firm, a licensed attorney, a provider of legal services, a “pre-bankruptcy” counseling service, a tax adviser, a tax preparation service, or similar service.  Provider recommends User do independent research before acting on anything. It is suggested that all Users seek services of competent professionals in legal, business, accounting and finance fields. If the Provider replies to a question, in private or in public, this is not to be construed as advice in any form whatsoever.

1. NON-RELIANCE
Any reliance User places on such information is therefore strictly at User’s own risk. In no event will Provider be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Under no circumstances should User rely on the content of any information given from Provider in determining any entity’s tax or other liability, whether that entity presently exists or is to be created. This website is offered as a vehicle for discussion and debate and for general informational purposes only.

2. NO PROFESSIONAL ADVICE OFFERED
No information on this site should be considered financial, tax, legal, or medical advice. Any information provided, whether on this site or any other associated site, via digital communications or over the phone, constitutes lay opinion, and should not in any way be construed as financial, tax or legal advice. Information, materials, products, and services are based solely on independent extensive research and thorough analysis, believed to be accurate and usable based upon such research and analysis, and are provided without certification, warranty, or guarantee of any kind. User is solely responsible for the use of any content and holds Provider and all members and affiliates harmless in any event or claim.

3. PROVIDER IS NOT EXPERT, LICENSED OR ACCREDITED
Provider is not a licensed financial institution. Provider does not offer or assist consumers to obtain credit or loans. Provider is not a debt settlement agency. Provider does not assist consumers with the settlement of their debts and does not negotiate with creditors to compromise or work out a payment structure for existing obligations. Provider is not a credit counseling agency, credit repair organization, or similar service. Provider does not assist or advise consumers on how to improve credit scores. Provider is not a certified financial planner or stockbroker. Provider does not provide investment advice or guidance, nor does Provider sell or recommend the purchase of any stocks, bonds, retirement accounts, corporate securities, annuities, or any other form of investment vehicle. Provider is not a real estate service provider. Provider does not offer any services related to real estate or mortgage lending. Provider does not lend money. Provider is not a law firm. Provider does not offer any legal advice or guidance whatsoever, including (but not limited to) “pre-bankruptcy” counseling or any other bankruptcy-related service; only a licensed attorney can offer legal advice or provide legal services. Provider is not a tax adviser. Provider does not provide any tax advice, preparation, or any other tax-related service. Provider is not an insurance provider or broker. Provider does not offer or sell any insurance-related product or service.

4. NO GUARANTEES IMPLIED OR EXPRESSED
Whilst every effort has been made to accurately state service(s) and their potential, there is no guarantee to be construed, expressed, or implied. The information is offered as-is. Examples in these materials are not to be interpreted as a promise or guarantee of anything. Any success or failure is entirely dependent on the person using the service, the ideas, and techniques. Provider does not purport this as a get-rich scheme. The opportunity to obtain the results claimed in Provider’s materials depends on the time User devotes to the program, ideas and techniques mentioned, User’s finances, knowledge, and various skills. As these factors differ according to each individual, Provider cannot guarantee success. Nor is Provider responsible for any User’s actions. No information on this site shall be deemed as advice to or for any User’s particular situation. While all attempts have been made to verify information provided in this publication, the Provider assumes no responsibility for errors, omissions, or contrary interpretation of the subject matter herein.

5. ALL STATEMENTS ARE OPINIONS AND NEVER FACTS
Materials in Provider’s service(s) and website(s) may contain information that includes, or is based upon, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (PSLRA). Forward-looking statements give Provider expectations or forecasts of future events. User can identify these statements by the fact that they do not relate strictly to historical or current facts. They use words such as anticipate, estimate, expect, project, intend, plan, believe, including other words and terms of similar meaning in connection with a description of potential or performance. Any and all forward-looking statements here or on any of Provider’s materials are intended to express Provider’s opinion of potential. Many factors will be important in determining User’s actual results, and no guarantees are made that User will achieve results similar to Provider’s or anybody else’s. In fact, no guarantees are made that User will achieve any results from the ideas and techniques in Provider’s materials.

6. RESULTS MAY BE NEGATIVE
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and/or fees owed by the consumer. Debt relief services may have a negative impact on the consumer’s creditworthiness, and his overall debt amount may increase due to the accumulation of extra fees, including litigation. The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.

7. NO THIRD-PARTY LIABILITY
If User purchases anything through a link in an email, this website or elsewhere, User should assume that Provider has an affiliate relationship with the company providing the product or service that is purchased, and that Provider will be paid in some way. Provider recommends that every User does their own independent research before purchasing anything. The Product may provide, or third parties may provide, links to other sites or resources. Because Provider has no control over such sites and resources, User acknowledges and agrees that Provider is not responsible for the availability of such external sites or resources, and do not endorse and are not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. User further acknowledges and agrees that Provider shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource. Users are cautioned to rely on their own judgment about their individual circumstances to act accordingly. The product, service, book or software is not intended for use as a source of legal, business, accounting, or financial advice. All users are advised to seek services of competent professionals in legal, business, accounting, and finance fields. Third-party processor is not affiliated with Provider in any way, nor does Provider sponsor or approve any of the third-party processor’s product(s). Provider expresses no opinion as to the correctness of any of the statements made by this site or in the materials on this site.

8. NO CONTROL OF THIRD-PARTIES
Through this website, User is able to link to other websites that are not under Provider’s direct control. Provider has no control over the nature, content, and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

9. NO GUARANTEE OF PRODUCT DELIVERABILITY
Every effort is made to keep the website up and running smoothly. However, Provider takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond Provider’s control.

10. PRODUCT TESTIMONIALS
In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences. The testimonials displayed are given verbatim except for grammatical, misnomer or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. We are not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing. Testimonials on this website are not intended, nor should they be construed, as claims that the products or services mentioned can be used to help, mitigate or prevent any financial or legal results. Consent has been given to copy, use and reproduce all materials submitted. Testimonials are collected in both visual, audio and textual formats. As a consumer/user of our products and/or services, by submitting your testimonial you give us permission to reprint, reproduce or use the testimonial in connection with our business. You also are agreeing to the following: The reprint, reproduction, or use of the testimonial will be at our discretion and without compensation. We may use the testimonial with or without any pseudo (pen) name credit. Our right to use the testimonial is perpetual and may be assigned by us. We may use the testimonial with an actor to turn a textual testimonial into an audio/visual format and are not required to compensate you for its use. We may use the testimonial locally, nationally, or globally and such use may be made in any media, information or communication platform (including internet advertising) currently in use or later developed. You, and not someone else, composed submitted and posted the testimonial. By submitting your testimonial, you are agreeing to the terms and conditions as listed in this document.