Access to and use of the Web sites are subject to the terms and conditions of this Disclaimer and Terms of Use and all applicable laws and regulations, including laws and regulations governing copyright and trademark. BY ACCESSING THE WEB SITES, YOU ACCEPT, WITHOUT LIMITATION OR QUALIFICATION, ALL OF THE TERMS AND CONDITIONS IN THIS DISCLAIMER AND TERMS OF USE.

If you do not agree with the rules contained herein, do not use the Web sites.  The following rules may be modified from time to time. Continued use of the Web sites by you will constitute your acceptance of any changes or revisions to this Agreement.

Your failure to follow the Web sites' rules, whether listed below or in supplemental notices posted at various points in the Web sites, may result in termination of your access to the Web sites, without notice, in addition to other remedies.

The Web sites are designed to help users obtain information and guidance. The information provided is believed to be accurate and reliable, but in some instances, the information may represent opinion or judgment that is not necessarily that of Finally Organized LLC and should not be considered facts.  The information on these Web sites is provided with the understanding that Finally Organized LLC is not engaged in rendering legal, medical, counseling or other professional services or advice. The Web sites are provided on an "as is" basis without warranties of any kind, either express or implied, including but not limited to warranties of title or implied Warranties of merchantability or fitness for a particular purpose, other than those warranties which are imposed by and incapable of exclusion, restriction or modification under the laws applicable to this agreement.  Finally Organized LLC is not liable for its accuracy, for mistakes, errors, or omissions of any kind, nor for any loss or damage caused by a user's reliance on information obtained from the site.  Neither Finally Organized LLC nor its affiliates endorse or are responsible for the accuracy or reliability of any opinion, advice or statement on the Web sites. 

The materials used and displayed on the Web sites, including, but not limited to, text, software, photographs, graphics, illustrations and artwork, music, video and sound, and names, logos and trademarks, are the property of Finally Organized LLC or its affiliates or licensors and are protected by copyright, trademark and other laws. Any such content may be displayed solely for your personal, non-commercial use. You agree not to modify, reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate any such material without the written permission of Finally Organized LLC or the appropriate affiliate.

FORUMS
The Web sites contain bulletin board services, chat areas, news groups, forums, communities and/or other message or communication facilities (collectively, "Forums").  You agree to use the Forums only to send and receive messages and material that are proper and related to the particular Forum. Without limiting the foregoing, you agree that you will not:

• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others;
  
• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information;
  
• Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents;
  
• Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer;
  
• Advertise or offer to sell any goods or services for any commercial purpose;  Signature ("sig") files of 6 lines or less, appended to a topical post on a message board, are acceptable.
  
• Conduct or forward surveys, contests, pyramid schemes, virus warnings, solicitations or chain letters;
  
• Download any file posted by another user of a Forum that you know, or reasonably should know, cannot be legally distributed in such manner;
  
• Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded; and
  
• Restrict or inhibit any other user from using and enjoying the Forum. 
  
• Post or transmit any material which encourages conduct that would constitute a criminal offense, violate the rights of others, or otherwise violate any applicable local, state, national or international law. 

You will be responsible for, and indemnify and hold harmless Finally Organized LLC, its subsidiaries, divisions, affiliates, agents and representatives against, any claim arising from any material that you post or transmit.

Finally Organized LLC reserves the right to terminate your access to any or all of the Forums at any time without notice for any reason whatsoever.

Finally Organized LLC has no obligation to monitor the Forums. However, Finally Organized LLC reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Finally Organized LLC's sole discretion.

You acknowledge that all Forums are public and not private communications, therefore your communications may be read by others without your knowledge. Finally Organized LLC does not control or endorse the content, messages or information found in any Forum and, therefore, Finally Organized LLC specifically disclaims any liability with regard to the Forums and any actions resulting from your participation in any Forum. Forum managers and hosts are not authorized Finally Organized LLC spokespersons, and their views do not necessarily reflect those of Finally Organized LLC.

Although Finally Organized LLC may occasionally monitor or review discussions, chats, postings, transmissions and bulletin boards on the Web sites, neither Finally Organized LLC nor its affiliates are under any obligation to do so. You acknowledge that Finally Organized LLC does not control the information available on the message boards and that any opinions, advice, statements, Web sites, offers or other information or content presented or disseminated on any interactive forum are those of their respective authors who are solely liable for their content. Finally Organized LLC reserves the right, in its sole discretion, to edit, refuse to post or remove any material submitted to or posted on any interactive forum.

Any communication or material you post or transmit to the Web sites is, and will be treated as, non-confidential and non-proprietary. You assume full responsibility for anything you post or transmit, and you grant Finally Organized LLC and its affiliates the right to edit, copy, publish and distribute any information or content you post or transmit for any purpose. If you voluntarily disclose personal information (e.g. e-mail address) on a bulletin board or in a chat room, that information can be collected and used by other parties and may result in unsolicited contact.

CHANGES
Finally Organized LLC may make improvements and/or changes in the products, services, programs, and prices described in this Web site at any time without notice.

THIRD PARTY WEB SITES
Certain links in this Web site will let you leave this Web site for Web sites, web pages or services not operated by Finally Organized LLC or its affiliates ("Third Party Sites"). Third Party Sites are not under the control of Finally Organized LLC and Finally Organized LLC is not responsible for the contents of any linked Third Party Site or any link contained in a Third Party Site, or any changes or updates to such Third Party Sites. Finally Organized LLC is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Finally Organized LLC of the site.

Further, Finally Organized LLC and its affiliates do not review or monitor any web sites linked to the Web sites and are not responsible for the content of any such linked web sites. Your linking to such web sites is at your own risk.  Once you access another Web site through an off-site link, whether to an advertiser or to an informational site, you are no longer on a Finally Organized Web sites, and are then subject to the privacy policy of the other Web site.

Your use of the Web sites is at your own risk. NEITHER FINALLY ORGANIZED LLC NOR ANY OF ITS SUBSIDIARIES, DIVISIONS, AFFILIATES, AGENTS, REPRESENTATIVES OR LICENSORS SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY OR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL,  PUNITIVE OR SIMILAR DAMAGES ARISING OUT OF YOUR ACCESS OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE WEB SITES AND THE INFORMATION AVAILABLE ON THE WEB SITES OR ARISING OUT OF ANY ACTION TAKEN IN RESPONSE TO OR AS A RESULT OF ANY INFORMATION AVAILABLE ON THE WEB SITES. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST FINALLY ORGANIZED LLC AND ITS SUBSIDIARIES, DIVISIONS, AFFILIATES, AGENTS, REPRESENTATIVES AND LICENSORS ARISING OUT OF YOUR USE OF THE WEB SITES AND THE INFORMATION AVAILABLE THEREON.

Earnings Disclaimer

EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT OUR  PRODUCTS AND THEIR POTENTIAL.  THERE IS NO GUARANTEE THAT YOU WILL EARN ANY MONEY USING THE TECHNIQUES AND IDEAS IN THESE MATERIALS.  EXAMPLES IN THESE MATERIALS ARE NOT TO BE INTERPRETED AS A PROMISE OR GUARANTEE OF EARNINGS.  EARNING POTENTIAL IS ENTIRELY DEPENDENT ON THE PERSON USING OUR PRODUCT, IDEAS AND TECHNIQUES.  WE DO NOT PURPORT THIS AS A “GET RICH SCHEME.” 

ANY CLAIMS MADE OF ACTUAL EARNINGS OR EXAMPLES OF ACTUAL RESULTS CAN BE VERIFIED UPON REQUEST.  YOUR LEVEL OF SUCCESS IN ATTAINING THE RESULTS CLAIMED IN OUR MATERIALS DEPENDS ON THE TIME YOU DEVOTE TO THE PROGRAM, IDEAS AND TECHNIQUES MENTIONED, YOUR FINANCES, KNOWLEDGE AND VARIOUS SKILLS.  SINCE THESE FACTORS DIFFER ACCORDING TO INDIVIDUALS, WE CANNOT GUARANTEE YOUR SUCCESS OR INCOME LEVEL.  NOR ARE WE RESPONSIBLE FOR ANY OF YOUR ACTIONS. 

MATERIALS IN OUR PRODUCT AND OUR WEBSITE MAY CONTAIN INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS WITHIN THE MEANING OF THE SECURITIES LITIGATION REFORM ACT OF 1995.  FORWARD-LOOKING STATEMENTS GIVE OUR EXPECTATIONS OR FORECASTS OF FUTURE EVENTS.  YOU 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,” AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL EARNINGS OR FINANCIAL PERFORMANCE. 

ANY AND ALL FORWARD LOOKING STATEMENTS HERE OR ON ANY OF OUR SALES MATERIAL ARE INTENDED TO EXPRESS OUR OPINION OF EARNINGS POTENTIAL.  MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR THOSE DESCRIBED HERE, IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL.

Results may vary, as with any business opportunity, you could make more or less. Success in ANY business opportunity is a result of hard work, time and a variety of other factors. No express or implied guarantees of income or spillover are made when purchasing