A Financial Plan to Share with Your Grandchildren

Terms of Use

All materials on this website are copyright by the Company, used with permission, or in compliance with Fair Use provisions of copyright and trademark law. All rights reserved.

Terms of Use
Use of this website signifies your agreement with the following terms of use. If you do not agree with any of these terms of use, please do not use this website. The Company reserves the right, in its sole discretion, to modify these Terms of Use at any time and you agree to be bound by such modifications through your use of the Company’s website. The Company may require you to register and provide certain information to it as a condition of using or accessing certain features, functions and content.

All materials on this website, including, but not limited to, images, illustrations, audio clips, video clips (the "Materials") are protected by copyrights which are owned or licensed by the Company. You may not reproduce, perform, create derivative works from, republish, upload, post, transmit, or distribute in any way whatsoever any Materials from this or any other website owned or operated by the Company without the prior written permission of the Company. However, you may download or make one copy of the Materials, and other downloadable items displayed on the website, for personal non-commercial home use only consistent with the purpose for which the Materials are made available by the Company, provided all copyright and other notices contained in the Materials are left intact. Any modification of the Materials, or any portion thereof, or use of the Materials for any other purpose constitutes an infringement of the Company’s copyrights and other proprietary rights. Use of these Materials on any other website or other networked computer environment, whether by way of copying the Materials or by linking to them, is prohibited without prior written permission from the Company.

In the event you download software from any Website, the software, including any files, images incorporated in or generated by the software, and data accompanying the software (collectively, the "Software") are licensed to you by us or third-party licensors for your personal, noncommercial home use only. We do not transfer title to the Software to you. You own the medium on which the Software is recorded, but we (or our third-party licensors) retain full and complete title to the Software and all intellectual property rights therein. You may not redistribute, sell, auction, decompile, reverse engineer, disassemble, or otherwise reduce the Software to a human-readable form. Occasionally, we may make available software that is licensed under a commercial, GPL, MIT, or other license. You agree to accept that software subject to the provisions of the specific license, provided with the software.

Copyright on materials contributed by readers and/or members is held by the individual creators.

All postings, messages, text, files, images, graphics, photos, audio clips, sounds, video or other materials (the "Content") posted on, transmitted through, or linked from the website, are the sole responsibility of the person from whom such Content originated. You are entirely responsible for all Content that you post, email or otherwise make available through the website. For all Content provided by you, you agree to indemnify Provider as provided below.

By uploading or otherwise posting any Content on the website, you represent and warrant: (i) you own or otherwise have all necessary rights, including but not limited to copyrights, to the content you provide and the rights to use it as provided in this Terms of Service; (ii) all information you provide is true, accurate, current and complete, and does not violate these Terms of Service; and, (iii) the content will not cause injury to any person or entity.

You agree not to upload, transmit, distribute or otherwise publish in these or any other Forums connected with the Company any Materials which are:

  • libelous, defamatory, obscene, abusive, pornographic, threatening, or an invasion of privacy;
  • an infringement of the intellectual property rights, including, but not limited to, copyrights and trademarks, of any person or entity;
  • illegal in any way or which advocate illegal activity;
  • an advertisement or solicitation of funds, goods, or services.

For all such information and material, you grant the Company, its affiliates and related entities, a royalty-free, perpetual, irrevocable, non-exclusive right and license to use, copy, modify, display, archive, store, distribute, reproduce and create derivative works from such information, in any form, media, software or technology of any kind now existing or developed in the future.

No Pre-Screening or Editing
This website may offer weblogs, forums, photo galleries and other interactive areas where users can express opinions and share ideas and information. The Company cannot and does not monitor all of the material posted or transmitted to the website. Additionally, the Company does not control, and is not responsible for, Content made available through the website by members.

By using the website, you may be exposed to Content that you may find offensive, indecent, inaccurate, misleading, or otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of the website and any of its Content, including but not limited to whether you should rely on said Content.

You also agree that under no circumstances will the Company or its affiliates be liable in any way for any Content or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed or otherwise made available via the website. You acknowledge that the Company may choose not to pre-screen or approve Content, but that the Company shall have the right (but not the obligation) in its sole discretion to refuse, delete or move any Content that is available via the website, for violating the letter or spirit of the Terms or for any other reason. The Company reserves the right to delete any posting, message or photograph at any time, for any reason or no reason.

Content Linked to another website
You should be aware that when you are on the Website, you could be directed to other websites that are beyond our control. There are links to other websites from the Company’s pages that take you outside of our service. For example, if you click on a banner advertisement or a search result, or a reference to an external service provider or vendor, the click may take you off the Website. This includes links from advertisers, sponsors, and content partners that may use our logo(s) as part of a co-branding relationship. You acknowledge that when you click on a link that leaves a Website the website you will land on is not controlled by us and different terms of use and privacy policy may apply. You acknowledge that an advertiser or affiliate relationship may exist between the Company and that other website. By clicking on links to other websites, you acknowledge that the Company is not responsible for those websites or their offerings. We reserve the right to disable links from third-party websites to any Website, although we are under no obligation to do so.

We make no representations concerning the content of websites listed in any of our directories or resource lists. Consequently, we cannot be held responsible for the accuracy, relevancy, copyright compliance, legality, or decency of material contained in websites listed in our search results or otherwise linked to a Website.

Any free bonus offer we’ve made in conjunction with a product does not in any way constitute a limited time offer. It means we only guarantee the bonuses if you order prior to a certain date. In some cases buyers will receive the bonuses after the limited time period expires, but it is not guaranteed unless we change the date in the offer.

Common sense: You recognize that all marketing and business endeavors encompass risk. You freely and of your own will, risk any and all capital you may choose to spend implementing these methods and concepts. You will do so with skill and common sense. You will not hold us or any of us liable or accountable in any way for any failure of the information, systems, software, or products to live up to your expectations.

While every precaution has been taken in the preparation of this material, the publisher and author assume no responsibility for errors or omissions. Neither is any liability assumed for damages resulting, or alleged to result, directly or indirectly from the use of the information contained herein. If you do not wish to be bound by the above, you may return the materials with receipt to the publisher for a full refund of the purchase price.

The materials in the website are provided “as is” and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to implied warranties of merchantibility, fitness for a particular purpose, and noninfringement. We do not warrant that the functions contained in the materials on this or any linked website will be uninterrupted or be error-free, that defects will be corrected, or that and website or the servers that make such materials available are free of viruses or other harmful components. We do not warrant or make any representations regarding the use or the results of the use of any of the materials on any Website in terms of their correctness, accuracy, reliability, or otherwise. You assume the entire cost of all necessary servicing, repair, or correction. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

We explicitly disclaim any responsibility for the accuracy, content, or availability of information found on websites that link to or from any Website. We cannot ensure that you will be satisfied with any products or services that you purchase from a third-party website that links to or from any Website or third-party content on our websites. We do not endorse any of the merchandise, nor have we taken any steps to confirm the accuracy or reliability of, any of the information contained in such third-party websites or content. We do not make any representations or warranties as to the security of any information (including, without limitation, credit card and other personal information) you might be requested to give any third party, and you hereby irrevocably waive any claim against us with respect to such websites and third-party content. We strongly encourage you to make whatever investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any of these third parties.

Some services or products offered on Websites are fee-based services. Please refer to the Agreement for the applicable service or product for specific terms and conditions applicable thereto.

Refund Policy
On products, including but not limited to books, CDs, DVDs, we provide a money back guarantee for 90 days or the period of time specified in your sales offer, whichever is longer. This is measured from the date of purchase. Reseller sales commissions may be withheld until customer purchases can be verified by the expiration of the refund period.

On services, including but not limited to consulting, programming, seminars, and memberships, because of the intense custom work provided, all sales are final.

We only allow one refund per family, customer, corporation or entity. We also reserve the right to refuse service upon our discretion. This means that we have the right to accept or deny any order for any legal reason.

You are entirely responsible for maintaining the confidentiality of your member name(s), password(s), and your account, as well as all activities that occur under your account. You hereby indemnify, defend, and hold us and our affiliates and our officers, directors, owners, agents, information providers, licensors, and licensees (collectively, the "Indemnified Parties") harmless from and against any and all liabilities and costs (including reasonable attorneys' fees) incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these terms of use or claims arising from your account. You shall use your best efforts to cooperate with us in the defense of any claim. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

We reserve the right, at our sole discretion, to change, modify, add, or delete portions of these terms of use at any time. In the event that we do so, we will notify you of any such change, modification, addition, or deletion by sending you an e-mail at the last e-mail address that you provided us, and/or by prominently posting notice of the any such change, modification, addition, or deletion on the Websites covered by these terms of use. Any such change, modification, addition, or deletion will be effective upon the earlier of ten (10) calendar days following our dispatch of an e-mail notice to you or thirty (30) calendar days following our posting of such notice on the Websites covered by these terms of use. Please note that, at all times, you are responsible for updating your personal information to provide us your current e-mail address. In the event that the last e-mail address that you have provided us is not valid, or for any other reason is not capable of delivering to you the notice described above, our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes, modifications, additions, or deletions described in the notice.

The Company may, in its sole discretion, terminate or suspend your access to all or part of the website, including, but not limited to, any bulletin boards on its website, for any reason or for no reason, including without limitation, breach of this agreement. In the event this agreement is terminated, the restrictions regarding Materials appearing on the website, and the representations and warranties, indemnities, and limitations of liabilities set forth in this agreement shall survive any such termination.

Pursuant to California Civil Code Section 1789.3, any questions about pricing, complaints, or inquiries about this company or website must be addressed to our agent for notice and sent via certified mail to: "Company Agent" at the mailing address on our Contact Us page.

California users are also entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

This website is controlled and operated by the Company at its main offices identified on the “Contact Us” page of this website. The Company does not represent or warrant that Materials on the website are appropriate or available for use in other locations. If you choose to access this website from other locations, you do so at your own risk and are responsible for compliance with any and all local laws.

This agreement shall be governed by and construed in accordance with the laws of the state where the main offices of the Company are located, as it is applied to agreements entered into and performed within that state. Any action brought to enforce this agreement or matters related to the website shall be brought in either the state or Federal Courts of the county and state where the Company’s main offices are located. If any provision of this agreement is deemed void, unlawful or otherwise unenforceable for any reason, that provision shall be severed from this agreement and the remaining provisions of this agreement shall remain in force. This contains the entire agreement between you and the Company concerning your use of the website.

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