Site Terms

This is a legal document and comprises an Agreement between you, the user, and, hereinafter, this site. You must agree to be bound by the terms and conditions contained herein in order to use this web site for any private or commercial usage.

By using this site in any fashion, you signify your Assent and Agreement to these Terms of Use. You will also be requested to specifically agree to the terms and conditions of this Agreement prior to your being allowed to register as a user and program participant of

The advice that you receive, and all communications that you receive, whether in email or other format, from us or our partners, and all information and links and referrals available on our website, is provided by advisors and content providers who are not certified or licensed in any way unless you are specifically and individually informed by us in writing that they are in fact licensed financial advisors or carry other or similar credentials. Always consider consulting an attorney, CPA, or similar financial advisors in order to verify your financial plans and questions.


The contents contained in are protected by United States Copyright law and trademark law, various other intellectual property laws, and various international treaties. All rights are reserved. Text, graphics, design, databases, collections of links, HTML code, scripts and all products sold and services offered are protected by US and International Copyright Laws and Treaties, and may not be copied, reprinted, published, reengineered, decompiled, translated, hosted, or otherwise distributed by any means without explicit written permission.


The materials, advice, content, links, referrals, communications, emails and programs offered at this site is provided "as is" and without warranties of any kind either express or implied. This site and the owner thereto disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. This site is not responsible for any information or services provided by any third party entity or partner that you are referred to by us. This site and the owners thereto do not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. No warranty warrant or make any representations regarding the use or the regarding the results of the use of the materials, content, advice, referrals or otherwise in this site in terms of their correctness, accuracy, reliability, risk of injury to your computer or otherwise. Applicable law may not allow the exclusion of implied warranties, so such exclusions may not apply to you.

Under no circumstances, including, but not limited to, negligence, shall the owner and operators of this site be liable for any special or consequential damages that result from the use of, or the inability to use, the materials or contents provided in this site, or from your reliance upon any advice given to you by this site or the third parties that we refer you to, even if you have advised the owner or operator of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall the owner of this site or the operator of this sites total liability to you for all damages, losses, and causes of action (whether in contract, tort, including but not limited to, negligence or otherwise) exceed the amount of One Hundred Dollars ($100).

You agree to hold, its employees, directors, officers, investors, partners, affiliates and advertisers harmless from any civil claim of any nature regarding your membership to this site, usage of any material or advice given to you by this site, or any of the programs or offerings contained in this site or referred to by this site, or regarding any information contained in emails or other communications that either we or our partners or referrals send to you.

You agree that all email sent by us, or our affiliates and partners, is not unsolicited and therefore is not considered to be Spam.

Links and Marks

The owner of this site is not necessarily affiliated with sites that may be linked to this site and is not responsible for their content. The linked sites are for your convenience only and you access them at your own risk. Links to other websites or references to products, services or publications other than those belonging to the owner, publisher, operator of this site and its subsidiaries and affiliates at this website, do not imply the endorsement or approval of such websites, products, services or publications by We are not responsible for the privacy policies of those sites that we link to. Please review the privacy policies of all sites that you visit immediately upon leaving this site and please be aware of when you have left this site.

Certain names, graphics, logos, icons, designs, words, titles or phrases at this website may constitute trade names, trademarks or service marks of belonging to the owner of this site or of other entities. The display of trademarks on this website does not imply that a license of any kind has been granted. Any unauthorized downloading, re-transmission, or other copying of modification of trademarks and/or the contents herein may be a violation of federal common law trademark and/or copyright laws and could subject the copier to legal action.

You agree to refrain from making or publishing any disparaging remarks about or its officers, directors, investors, employees, partners, contractors and affiliates.

Confidentiality of Codes, Passwords and Information

You agree to treat as strictly private and confidential any user ID and related password which you may have received relevant to this web site and all information to which you have access through password-protected areas and will not cause or permit any such information to be communicated, copied or otherwise divulged to any other person whatsoever. You are solely responsible for the security of your password.


If posts guidelines concerning user and program participant behavior and rules of conduct, you must obey such guidelines of behavior, and any such guidelines are hereby incorporated by reference into this Agreement as if fully set forth herein.

Cancellation of Programs may cancel or discontinue any or all of our programs or services at any time without notice to you.

Privacy Policy respects your privacy. You agree that we may share your personal information with any law enforcement official who is investigation any violation of the law regarding your membership and any and all of our partners, affiliates and advertisers. From time to time we may send you important announcements of various products or services via email. Should you refuse to receive such emails we will cancel your membership at Please read our privacy policy for further details.

Termination or Modification of this Agreement

Either you or may terminate this Agreement at any time, with or without cause, by giving the other party written notice of termination. may modify any of the terms and conditions contained in this Agreement at any time by email notice to you. If any modification is unacceptable to you, your only recourse is to terminate this agreement. Your continued participation following receipt of a change notice shall constitute binding acceptance of the change. may change, suspend or discontinue any aspect of this Agreement or the Service, including the availability of any service feature, database, or other content. We also reserve the right to modify any portion of this Agreement.


These Terms of Use will apply each and every time you access this web site or refer someone to this site. The owner and publisher of this site reserve the right to issue revisions to these Terms of Use by publishing a revised version of this document on this site: that version will then apply to all use by you following the date of publication. Each viewing and access of information by you of any element of this site, or reception of any email from us or other communication, will be a separate, discrete transaction based on the then prevailing terms. You are urged to read this document each and every time you return to this web site.

These Terms of Use shall be governed by, construed and enforced in accordance with the laws of the State of New York, as it is applied to agreements entered into and to be performed entirely within such jurisdiction.

To the extent you have in any manner violated or threatened to violate any intellectual property rights relevant to elements published on this site, the intellectual property owners of said rights may seek injunctive or other appropriate relief in any state or federal court in the State of and you consent to exclusive jurisdiction and venue in such courts. You hereby agree that should you be found liable for any infringement of any intellectual property right, right of privacy, right of publicity, spam related email violations of code, regulation or law, or any civil or regulatory violation of any nature, you will pay for all attorneys fees accrued by the party(s) who has brought any such action against you.

Any other disputes will be resolved as follows:

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator with mediation to take place in our offices. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us. Your transportation and housing costs while in (city, state goes here) will be solely borne by you. All mediation must take place in person in our offices or at any other mutually agreed upon location. If we cannot agree on a specific mediator, you agree that the American Arbitration Association will appoint one.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration in the offices or a mutually agreed upon location near under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so. If all parties agree on the selection of an arbitrator from the list of available arbitrators provided by the American Arbitration Association the parties will use the services of that particular arbitrator. If such an agreement cannot be made within one week of a written request by you to attend mediation then the American Arbitration Association will appoint an arbitrator. You agree that the prevailing party will be awarded attorneys fees and all actual costs of mediation.

If any provision of this agreement is void or unenforceable in whole or in part, the remaining provisions of this Agreement shall remain in full force and effect.