Disclaimer

Wealth Builder Publishing and the Wealth Builder Publishing Web Site (referred to hereafter as “Cashflow Heaven”) is published as an information service for subscribers, and it includes opinions as to buying, selling and holding various stocks, options and other securities. However, the publishers of Wealth Builder Publishing are not brokers or investment advisers, and they do not provide investment advice or recommendations directed to any particular subscriber or in view of the particular circumstances of any particular person. The information provided by Wealth Builder Publishing is obtained from sources believed to be reliable but is not guaranteed as to accuracy or completeness. Subscribers to Wealth Builder Publishing or any other persons who buy, sell or hold securities should do so with caution and consult with a broker or investment adviser before doing so.

At various times, the publishers and employees of Wealth Builder Publishing may own, buy or sell the securities discussed for purposes of investment or trading. Wealth Builder Publishing and its publishers, owners and agents, are not liable for any losses or damages, monetary or otherwise, that result from the content of Cashflow Heaven. Securities discussed by Wealth Builder Publishing should be considered speculative and contain a high degree of volatility and risk.

Options involve risk and are not suitable for all investors. Prior to buying or selling an option, a person must receive a copy of Characteristics and Risks of Standardized Options (ODD). Copies of the ODD and OCC Prospectus are available from your broker, by calling 1-888-OPTIONS, or from The Options Clearing Corporation, 440 S. LaSalle Street, 24th Floor, Chicago, IL 60605.

Investors need a broker to trade securities and options, and must meet suitability requirements. Past results are not necessarily indicative of future performance. Performance figures are based on  recommendations made by Cashflow Heaven. Due to the time critical nature of options trading, brokerage fees, and the activity of other subscribers, Wealth Builder Publishing cannot guarantee that subscribers will mirror the performance stated on Wealth Builder Publishing track records or promotions. Performance numbers shown are based on trades subscribers could enter based on Wealth Builder Publishing guidelines.

The results posted for Wealth Builder Publishing are hypothetical. They are based on the price when the play was published by Cashflow Heaven, and the price when dropped by Cashflow Heaven. Wealth Builder Publishing cannot guarantee that any person bought or sold the actual security for the prices listed in the newsletter, or on the Web Site. The prices listed in the newsletter and on the Web Site are the closing prices on the day the play was published, unless a specific target or entry price was reached during that day. Investors may receive greater or lesser returns based on their trading experience and market price fluctuations. The prices listed are for reference only.

The information contained on Wealth Builder Publishing is provided for general informational purposes, as a convenience to the subscribers of Cashflow Heaven. The materials are not a substitute for obtaining professional advice from a qualified person, firm or corporation. Consult the appropriate professional advisor for more complete and current information. Wealth Builder Publishing is not engaged in rendering any legal or professional services by placing these general informational materials on Cashflow Heaven. Wealth Builder Publishing and its publishers specifically disclaim any liability, whether based in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to or use of Cashflow Heaven, even if Wealth Builder Publishing has been advised of the possibility of such damages, including liability in connection with mistakes or omissions in, or delays in transmission of, information to or from the user, interruptions in telecommunications connections to the site or viruses.

Wealth Builder Publishing makes no representations or warranties about the accuracy or completeness of the information contained on this website. Any links provided to other server sites are offered as a matter of convenience and in no way are meant to imply that Wealth Builder Publishing endorses, sponsors, promotes or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated. However, Wealth Builder Publishing may receive compensation from the server sites, which are provided through links.

In accordance with Federal Trade Commission guidelines regarding the use of endorsements and testimonials in advertising, Wealth Builder Publishing adheres to the following criteria:

• Testimonials appearing on the Wealth Builder Publishing website are received via email and/or form submission from individuals who have used Wealth Builder Publishing products and/or services.  The testimonials reflect individual experiences and individual results can and do vary.  Wealth Builder Publishing makes no claim as to the accuracy or completeness of these results and does not imply that these results are typical.  The testimonials are not necessarily representative of all users of Wealth Builder Publishing products and/or services.

• The testimonials presented on Wealth Builder Publishing are displayed verbatim with the exception of grammatical and/or typing error corrections.  Some of the testimonials presented on Wealth Builder Publishing have been shortened for clarity and/or length constraints and/or relevancy, meaning; the complete correspondence as received by the testimony writer may not be displayed in its entirety.

• Wealth Builder Publishing is not responsible for the opinions and/or comments expressed in the Testimonials presented on Cashflow Heaven.  Wealth Builder Publishing does not solicit testimonials nor does Wealth Builder Publishing provide a forum for testimonials. The testimonials displayed on Wealth Builder Publishing are presented in order for customers and/or potential customers of Wealth Builder Publishing to share individual experiences using Wealth Builder Publishing products and/or services.  To prevent against abuse, all testimonials have been reviewed by Cashflow Heaven. Wealth Builder Publishing does not necessarily share the opinions, views or commentary of testimonials. Testimonials are strictly the views of the reviewer.

U.S. Government Required Disclaimer – Commodity Futures Trading Commission. Forex, Futures, and Options trading has large potential rewards, but also large potential risk. You must be aware of the risks and be willing to accept them in order to invest in the futures and options markets. Don’t trade with money you can’t afford to lose. This website is neither a solicitation nor an offer to Buy/Sell futures or options. No representation is being made that any account will or is likely to achieve profits or losses similar to those discussed on this website. The past performance of any trading system or methodology is not necessarily indicative of future results.

CFTC RULE 4.41 – HYPOTHETICAL OR SIMULATED PERFORMANCE RESULTS HAVE CERTAIN LIMITATIONS. UNLIKE AN ACTUAL PERFORMANCE RECORD, SIMULATED RESULTS DO NOT REPRESENT ACTUAL TRADING. ALSO, SINCE THE TRADES HAVE NOT BEEN EXECUTED, THE RESULTS MAY HAVE UNDER-OR-OVER COMPENSATED FOR THE IMPACT, IF ANY, OF CERTAIN MARKET FACTORS, SUCH AS LACK OF LIQUIDITY. SIMULATED TRADING PROGRAMS IN GENERAL ARE ALSO SUBJECT TO THE FACT THAT THEY ARE DESIGNED WITH THE BENEFIT OF HINDSIGHT. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFIT OR LOSSES SIMILAR TO THOSE SHOWN

WARRANTY – WEALTH BUILDER PUBLISHING WILL NOT BE HELD RESPONSIBLE FOR ANY TRADING LOSSES AN INDIVIDUAL INCURS USING THE PRODUCTS OR SERVICES ASSOCIATED WITH OUR WEBSITE. TRADE AT YOUR OWN RISK AND ONLY TRADE WITH CAPITAL YOU CAN AFFORD TO LOSE.

ONE-ON-ONE COACHING: The information provided in this product is intended to be educational and/or informative in nature. No statement is intended to be a recommendation or solicitation to buy or sell any security or to provide trading or investment advice. Traders and investors considering options should consult a professional tax adviser as to how taxes may affect the outcome of contemplated options transactions. Any information provided by Cashflow Heaven, Inc. is for informative and educational purposes. Our materials and services (including, but not limited to: information provided in mentoring sessions by a mentor, webinars, webcasts, articles, tutorials, and other written documents, statements made in person or by phone or other electronic means, books, DVDs, CDs, and all course materials) are provided on an “as is” and “as is available” basis. Cashflow Heaven, Inc makes no warranties regarding the completeness, accuracy, or usefulness of any materials or services provided to students. Cashflow Heaven, Inc disclaims all warranties, express or implied, including but not limited to any implied warranties of merchantability, accuracy, fitness for a specific purpose, or non-infringement. By use of our materials and services, the student assumes the entire risk as to such use and the results thereof. To the maximum extent allowed by applicable law, Cashflow Heaven, Inc disclaims any liability for any direct, indirect, consequential, or specific damages arising out of or in any way connected with the use of the materials or services provided by Cashflow Heaven, Inc. In any event, and even if any of the foregoing warranty and liability disclaimers are found to be unenforceable in whole or in part, the total cumulative liability of Cashflow Heaven, Inc and its affiliates to the student (or any person claiming by or though the student) shall not exceed the amount of fees paid by the student to Cashflow Heaven, Inc. By entering your information and clicking “Submit Order” you agree to pay for Cashflow Heaven, Inc’s One-On-One Option Coaching program. Cashflow Heaven, Inc, Inc. has a no refund policy. All sales are final. Unless otherwise stated in writing, no refunds will be given for any reason. Students have one year from receipt of payment to complete One-On-One Coaching (also referred to as “Coaching”, “One-On-One Mentoring”, “One-On-One” or simply “Mentoring”. If the student has not completed the One-On-One sessions, student waives all rights to further one-on-one sessions and access to online content and classes.

SUBSCRIPTIONS: For member convenience, as described in our product description, Wealth Builder Publishing subscribers are set up with automatically recurring payments. This means that your credit card will be debited automatically on a monthly, quarterly, or yearly basis according to your subscription plan. Monthly subscription billing cycles run 30 days at a time, beginning on the initial order date. Quarterlies run for 90 days, and Yearly subscriptions for 365. All subscriptions are set to renew automatically at the end of each billing cycle. Subscription billing cycles begin on the initial order date. Cancelled subscriptions will expire on the last day of the billing cycle. Subscriptions cancellations must be requested at least 3 business days before the next billing cycle begins, or the cancellation will take effect at the end of the new billing cycle. This means that cancellation requests received on or after your billing date will be applied to the end of that cycle. For this reason, if you need to modify or cancel your subscription, we strongly recommend you do so with as much time as possible before the renewal date. Subscription Refunds: Refunds are not offered for subscriptions.

EDUCATIONAL AND TRAINING PACKAGES: Package Refunds: Refunds are available for educational packages cancelled within 30 days of ordering unless it is a repurchase of a previously returned package or otherwise noted in the product description. Refunds may take up to ten business days to be reflected by the credit card issuer. Please note that packages offered at a discount are not eligible for a refund or packages that have been previously refunded are ineligible for future refunds.

TESTIMONIAL SUBMISSIONS:   As a consumer/user of Wealth Builder Publishing products and/or services, by submitting any statement via email and/or web form, you give us permission to reprint, reproduce or use the contents of your correspondence in connection with our business.  You also agree to the following:  (1) The reprint, reproduction or use of the contents of your correspondence will be at the discretion of Wealth Builder Publishing and collected, published, or reprinted without compensation; (2) Wealth Builder Publishing may use the contents of your correspondence with or without any pseudonym (pen-name) credit; (3) The right of Wealth Builder Publishing to use the contents of your correspondence is perpetual and may be assigned by Wealth Builder Publishing at any time without notice; (4) Wealth Builder Publishing may use the contents of your correspondence 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; and (5) You agree that you, and not someone else, composed, submitted, sent and/or posted the correspondence. By submitting and/or sending any correspondence to Cashflow Heaven, you agree to the terms and conditions as listed in this document.

TDAMERITRADE AND THINKORSWIM: TD Ameritrade, Inc. (“TD Ameritrade”) has entered into a Marketing Partner Agreement with Wealth Builder Publishing. (“Marketing Representative”) whereby TD Ameritrade compensates Marketing Representative for recommending TD Ameritrade as an executing broker. The existence of this Marketing Partner Agreement should not be deemed as an endorsement or recommendation of Marketing Representative by TD Ameritrade and/or any of its affiliated companies. Neither TD Ameritrade nor any of its affiliated companies is responsible for the privacy practices of Marketing Representative or this website. TD Ameritrade does not warrant the accuracy or content of the products or services offered by Marketing Representative or this website. Use of this website and its services and/or products is the decision of and at the discretion of the individual or entity choosing this service and/or product. TD Ameritrade makes no guarantees or warranties of any kind of the products or services offered by Marketing Representative or by or through this website and shall have no liability therefore.

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