Richer Life

Richer Life Media, LLC Terms & Conditions

1. Introduction

Welcome to Richer Life Media, LLC’s website, Richer Life (the “Website”), a source of interviews and content intended to inspire and educate individuals (the “Services”) which are available to you (a “Subscriber”) through the Website. Any use of the words “we”, “us”, “our,” “Richer Life Media ,” or “Richer Life Insights,” or “Richer Life” shall mean Richer Life Media, LLC and any references to the words “you” or “your” shall mean the Subscriber to the Services.

BY CONTINUING TO USE THE SERVICES, YOU ARE INDICATING YOUR AGREEMENT TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT. IF YOU DO NOT AGREE, RICHER LIFE IS NOT WILLING TO PROVIDE YOU WITH ACCESS TO THE WEBSITE AND YOU SHOULD IMMEDIATELY DISCONTINUE YOUR USE OF THE SERVICES.

The website designed for educational purposes only. It is intended to supplement, not to replace, consultation with a physician. You should not use information from the Website to diagnose or treat a health problem or disease. We encourage you to consult your health care provider with any questions or concerns you may have regarding your condition. The information contained on the Website is not intended to cover all possible uses, directions, precautions, warnings, drug interactions, allergic reactions, or adverse effects. If you have questions about the drugs you are taking, check with your doctor, nurse or pharmacist.

We start every new Subscriber relationship with an agreement pursuant to which you agree to abide by the terms and conditions of use for the Services (the “Agreement”). In order to use to use the Services, you must agree to the terms and conditions set forth in this Agreement. We intend this act of agreement and acknowledgment to be the legal equivalent of your signature on a written contract, and legally binding. Only by registering will you be able to access and use the Services available on the Website.

2. Changes to the Agreement

We may modify this Agreement from time to time in our sole discretion and without notice to you. You should review this Agreement periodically to ensure familiarity with its then-current terms and conditions. Your continued use of the Services following any modification of this Agreement shall constitute your acceptance of such modifications to this Agreement.

3. Access and Services

You may change or discontinue your account with us at any time. We reserve the right to modify, suspend or terminate access to the Services on our Website at any time for any reason without notice or refund, including the right to require you to change your login identification code or password. We also reserve the right to delete all program and data files associated with your account and/or other information you have on our system and change these terms and conditions from time to time.

4. Fees and Payment

Paid Membership: When you first register for your paid account with Richer Life we will charge your credit card the current fee for the type of account you’ve chosen, plus applicable taxes. Initial registration fees are fully refundable if you decide to cancel your subscription within the first 30 days.

Your subscription will continue and renew automatically every month, unless terminated by Richer Life until you notify Richer Life by email or as designated on the Website of your decision to terminate your subscription. If there are any annual, monthly, or similar periodic fees for your subscription, these fees will be billed automatically to the credit card designated during the registration process for the Website or subsequently designated by you to Richer Life, at the start of the annual, monthly, or similar period, and at the start of each renewal period, unless you terminate your subscription before the relevant period begins. You agree to pay or have paid all fees and charges incurred in connection with your username and password for the Website (including any applicable taxes) at the rates in effect when the charges were incurred.

All fees and charges are nonrefundable, except for the initial monthly membership, which is fully refundable in the first 30 days. Richer Life may change the fees and charges then in effect, or add new fees or charges, by giving you notice in advance. All fees and charges incurred in connection with your Richer Life username and password will be billed to the credit card designated during the registration process for the Website or subsequently designated by you to Richer Life. If you want to designate a different card or there is a change in credit card validity or expiration date, or if you believe someone has accessed the Website using your username and password without your authorization, you may contact us at http://www.richerlifeinsights.com. You are also responsible for any fees or charges incurred to access the Website through an Internet service provider or other third party service. YOU, AND NOT Richer Life, ARE RESPONSIBLE FOR PAYING ANY AMOUNTS BILLED TO YOUR CREDIT CARD BY A THIRD PARTY WHICH WERE NOT AUTHORIZED BY YOU.

To the extent that payment mechanisms are provided through third parties, you acknowledge and agree that we shall have no liability to you arising out of the acts or omissions of such third parties. YOUR CREATION OF A PAID ACCOUNT WITH RICHER LIFE CONSTITUTES YOUR CONSENT FOR RICHER LIFE MEDIA, LLC. TO CHARGE TO THE CREDIT CARD PROVIDED BY YOU THE CHARGES APPLICABLE TO YOUR PAID ACCOUNT FOR YOUR INITIAL SUBSCRIPTION PERIOD AND FOR ADDITIONAL SUBSCRIPTION PERIODS UNTIL YOUR ACCOUNT IS CANCELED OR TERMINATED. YOU REPRESENT AND WARRANT THAT YOU HAVE THE LEGAL RIGHT TO USE THE CREDIT CARD USED TO SET UP YOUR PAID ACCOUNT AND/OR TO PURCHASE ANY PRODUCTS THROUGH RICHER LIFE MEDIA, LLC. We reserve the right to change our fees at any time for any reason, but, whenever possible, we will give you at least one month of advance notice of such change.

Free Membership: Under a Free Membership, access may be granted to limited areas of the Website without charge.

5. Automatic Renewal – Cancellation

Your paid subscription shall automatically renew for an additional Subscription Period unless you cancel your account by the end of the then-current Subscription Term. You can cancel your account at any time by contacting us. Cancellation will be effective immediately. Please note that after you cancel your account, you will not be able to use or access the Services. Also, you will not be entitled to a refund or credit to the Subscription Fee you paid for your Subscription Period.

6. Termination

Richer Life may discontinue or change all or any of the Services, or their availability to you, immediately, in its sole discretion, at any time without cause. Richer Life may terminate this Agreement and your access to and use of the Services, or any portion thereof, immediately, in its sole discretion, at any time without cause.

7. Limitations on Use

The following activities are prohibited. You agree not to:

A) Use Web-accelerated browsers or products (including but not limited to NetJet, NetSonic, MSIECrawler and Teleport-Pro), or other applications that are capable of copying large portions of content from the Website. Richer Life can detect the use of these systems through live logfile analysis and will ban any future use by offenders.

B) Use robots and crawlers, or similar technology, without following the robot guidelines (found at http://info.webcrawler.com/mak/projects/robots.html). We are able to detect robots violating the guidelines and we will ban any offenders. If you are using a robot/crawler to check Richer Life links, it must operate according to the robot guidelines (see above). Do not leave new robots unattended and allow a minimum of 1 minute between automated requests.

C) Use any device, software or routine or the like to interfere or attempt to interfere with any Website functionality.

D) Take any action that imposes an unreasonable or disproportionately large load on the Website infrastructure.

E) Use any email addresses appearing on the Website for purposes not relating specifically to the Website.

F) Access the Website by any means other than through the interface that is provided by Richer Life, or attempt or access any area of the Website to which your access is not authorized.

G) Reverse engineer, reverse assemble or otherwise attempt to discover any source code relating the Website, except to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation.

8. Member Content

You acknowledge and agree that the text, information, data, graphics, images, audio, video, design, organization, compilation, meta data, look and feel, advertising and all other protectable intellectual property (the “Content” or “Member Content”) available through the Services is our property, the property of our advertisers or our third party licensors or suppliers (such licensors and suppliers are referred to as “Information Providers” or “Suppliers”) and is protected by copyright and other intellectual property laws and is subject to various terms and conditions as set forth below.

9. General Limitations on Use

You agree not to rearrange or modify the Content. You agree not to create abstracts from, scrape or display headlines from the Content for use on another website or service or use the Content for commercial purposes, including without limitation algorithmic trading programs. You agree not to upload, post or submit any Content from the Services to weblogs, newsgroups, mail lists or electronic bulletin boards, except through services we specifically provide for that purpose (e.g., an RSS Feed) or after we give our written consent in advance.

10. Cautions Regarding Other Members and Member Content

You understand and agree that Member Content includes information, views, opinions, and recommendations of many individuals and organizations and is designed to help you gather the information you need to help you make your own decisions. Importantly, you are responsible for your own investment decisions and for properly analyzing and verifying any information you intend to rely upon. We do not endorse any recommendation or opinion made by any Member. We do not routinely screen, edit, or review Member Content. However, we reserve the right to monitor or remove any Member Content from the Services at any time without notice. You should be aware that other Members may not be who they say they are. We take no action to perform a background check on any of our Members’ profiles. We do not guarantee that Members’ profiles are accurate. You should also be aware that other members may use our Services for personal gain. As a result, please approach messages with appropriate skepticism. Member Content may be misleading, deceptive, or in error.

11. Grant of Rights and Representations by You

If you upload, post or submit any Member Content on a Service, you represent to us that you have all the necessary legal rights to upload, post or submit such Member Content and it will not violate any law or the rights of any person. You agree that upon uploading, posting or submitting information on the Services, you grant us and our respective affiliates and successors a non-exclusive, transferable, worldwide, fully paid-up, royalty-free, perpetual, irrevocable right and license to use, distribute, publicly perform, display, reproduce, and create derivative works from your Member Content in any and all media, in any manner, in whole or part, without any duty to compensate you. You also grant us the right to authorize the use of Member Content, or any portion thereof, by Members and other users in accordance with the terms and conditions of this Agreement, including the rights to feature your Member Content specifically on the Services and to allow other Members or users to request access to your Member Content, such as for example through an RSS Feed.

12. Removal

We may also remove any Member Content for any reason and without notice to you. This includes all materials related to your use of the Services or membership, including email accounts, postings, profiles or other personalized information you have created while on the Services.

13. Access and Passwords

As part of the subscription process for this Website, you have selected or been assigned a particular username and password in accordance with Richer Life’ username and password guidelines. YOU AGREE THAT YOU ARE THE ONLY INDIVIDUAL ENTITLED TO ACCESS THE WEBSITE USING YOUR USERNAME OR PASSWORD, AND YOU AGREE NOT TO PERMIT OTHERS TO ACCESS THE WEBSITE USING YOUR USERNAME OR PASSWORD. You agree that all actions taken by you, or any other user that accesses the Website using your username and password, at or through the Website will be attributed to and legally bind you, even with respect to acts for which the user had no actual authority or made an error. You assume all resulting liability from use of the Website and any services available on it by you or others using your username or password.

Accordingly, you agree not to give your username and password or any other means for individuals other than yourself to gain access to your account and the Services to any other users. If other users are using your account, we reserve the right to suspend your account and issue a new confidential username and password. If this type of unauthorized use occurs repeatedly, as may be consistent with your giving your user name and password to others for the purpose of allowing them to access the Website or Services without payment, then we reserve the right to demand payment from you to cover such additional use in addition to exercising our right to terminate your account without any refund.

Do not tell others your password or let your account be used by anyone except yourself. Do not attempt to log in more than once simultaneously on any given account without specific permission of the system operator for the Services.

14. Rules of Conduct

You agree to be bound by certain rules which are important for the proper use of the Services. Your failure to follow these rules, whether set forth below in this Agreement or in bulletins posted at various points on the Website, may result in termination of the Services.

All Members and users of the Services must comply with the following rules of conduct:

• You will not stalk or harass another when using the Services.
• You will not interfere with others’ use of the Services, including by interrupting other users’ sessions, scrolling down (automatically or manually) to make it difficult for them, or otherwise act in a way that negatively affects other users’ enjoyment of the Services.
• You will not attempt to harvest any screen names of email addresses for any commercial use and you will not collect or store personal information about any other individual on the Services.
• You will not use the Services for illegal purposes and you will not upload, post or submit any Member Content that is obscene or may be hateful or offensive on racial, ethnic, sexual or any other grounds; is harmful, vulgar or distasteful; or is defamatory, libelous, or invades another person’s privacy or proprietary rights.
• You will not impersonate any other person or misrepresent a relationship with any person or entity, including misrepresenting a relationship with Richer Life, similarly, you will not adopt a false identity if the purpose of doing so is to deceive or defraud another.
• You will not upload, post or submit any Member Content that contains any viruses, cancel bots, Trojan horses, harmful code, or other computer software or program designed to interrupt the Services we provide, Members’ or users’ ability to enjoy the Services, or the proper functioning of any software, hardware or equipment or materials used in connection with the Services.
• You will not send any bulk unsolicited advertising, promotional information, commercial email or other solicitation (including without limitation junk mail, “spam,” chain letters or pyramid schemes of any sort) to any person through the use of the Services.
• You should demonstrate appropriate respect for other Members. If you disagree with an opinion on the Services, feel free to challenge that opinion with a posting of your own. You should, however, refrain from ever personally attacking the person making the posting.
• You will not violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, or any rules of any national or other securities exchange.
• You will not upload, post, submit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements).
• You will not upload, post or submit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any person.
• You will not upload, post or submit improper or off-topic messages.

You further agree that you will not knowingly solicit or collect personal information from children under 13 years of age without appropriate prior verifiable parental consent in accordance with applicable law.

Although we do not generally pre-screen, monitor or edit the content posted by subscribers of the Services or the Website including any chat rooms, message boards, newsgroups, software libraries or other interactive services available on the Website or through the Services, Richer Life Media and its agents have the right at their sole discretion to remove any content that, in its judgment, does not comply with our usage rules or is otherwise harmful, objectionable or inaccurate. Richer Life Media shall not be responsible for any failure or delay in removing such content.

Finally, do not use our Services to commit a crime, or to plan, encourage or help others commit a crime, including crimes relating to computers.

15. Consent to Electronic Notices and Other Communications

You agree that all of your transactions relating to the Website may, at our option, be conducted electronically, including any that we are otherwise required to provide in “writing”. For example, we may send you notices via postings at the Website or via email to any email address that you provide to us during registration as a Website member. If you do not wish to deal with us electronically, you should not use the Website or enter into this Agreement. If applicable law now or later requires us to communicate with you non-electronically, we reserve the right to charge a fee for doing so. Notice will be deemed given 24 hours after the email is sent, unless (for email) we are notified that the email address is invalid. Alternatively, we may give you notice by mail to the address provided during registration.

16. Copyright and Restrictions

This Website contains proprietary material of Richer Life (or material that other suppliers have licensed to Richer Life for their use) which is protected by copyright and other laws respecting proprietary rights. Richer Life retains all rights in the material and media, including (without limitation) all copyright and other proprietary rights worldwide in all media. You may not use Richer Life except as expressly permitted under this Agreement and under U.S. copyright laws. Any routine and/or systematic redistribution of any portion of the products licensed herein is expressly prohibited. End users who are duly authorized may Access Richer Life for individual use, i.e., may view the information on screen; may download small portions of the information to a computer disk for personal convenience and later reference; and may print paper copies of small portions for personal use only. The rights granted here are an expansion of the rights granted under the Copyright Act and do not include any rights to reproduce in its entirety any portion of the information or materials contained therein. No part of the information may be duplicated in any medium or format beyond the express terms of this Agreement without prior written authorization from Richer Life. Any use not authorized by the Agreement is prohibited and is not a fair use under the U.S. copyright law. You acknowledge that the information (and the licensed materials contained therein) is highly proprietary in nature and that unauthorized copying, transfer or use may cause Richer Life and/or Richer Life’ suppliers irreparable injury that cannot be adequately compensated for by means of monetary damages. You agree that any breach of this provision by you, or any subscriber or end-user, may be enforced by Richer Life, and/or any of Richer Life’ suppliers, by means of equitable relief (including, but not limited to, injunctive relief) in addition to any other available rights and remedies. You agree that any supplier of any portion of the licensed materials may enforce its rights against you, even though that supplier is not a party to the Agreement. You may not and may not permit others to: reproduce, publish, distribute, sell, or otherwise access or use any material retrieved from or contained in or on this Website in any manner whatsoever that may infringe any copyright or proprietary interest of Richer Life; distribute the information contained in and/on this Website to other users not duly authorized to Access the Website; distribute, rent, sublicense, lease, transfer or assign the information or Agreement; decompile, disassemble, or otherwise reverse-engineer this Website or information contained in or on this Website or any software contained therein, or alter, translate, modify, or adapt it to create derivative works. Unauthorized reproduction, transfer, and/or use may be a violation of criminal as well as civil law. You are expressly prohibited from placing or installing any portion of the information on any electronic media, including, but not limited to, local or wide area networks, timesharing services, multiple processing units, multiple Website arrangements, service or software rental bureaus, list servers, online services, electronic bulletin boards or forums, World Wide Web Websites or any other server that is Internet-enabled, without written authorization by Richer Life. If you breach any provision of this Agreement, Richer Life may immediately terminate this Agreement and all licenses granted hereunder without prior notice and in addition to any other available rights and remedies

17. Disclaimers of Warranties

THE SITE, INCLUDING, WITHOUT LIMITATION, THE MATERIALS, ARE PROVIDED ON AN “AS IS”, “AS AVAILABLE” AND “WITH ALL FAULTS” BASIS. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, RICHER LIFE MEDIA, LLC AND ITS PARENT, SUBSIDIARIES OR AFFILIATES AND EACH OF THEIR EMPLOYEES, DIRECTORS, OFFICERS, MEMBERS, SHAREHOLDERS, AGENTS, VENDORS, AND CONTRACTORS (COLLECTIVELY, THE “RICHER LIFE MEDIA, LLC PARTIES”) MAKE NO REPRESENTATIONS OR WARRANTIES OR ENDORSEMENTS OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, AS TO: (A) THE SITES; (B) THE MATERIALS ON OR PROVIDED THROUGH THE SITES; (C) THE DRICHER LIFE MEDIA, LLCLOADABLE ITEMS; (D) USER CONTENT; (E) THE FUNCTIONS MADE ACCESSIBLE ON OR THROUGH THE SITES; (F) ANY PRODUCTS, SERVICES OR INSTRUCTIONS OFFERED OR REFERENCED AT THE SITES; AND/OR (G) SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION TRANSMITTED TO OR FROM RICHER LIFE MEDIA, LLC OR VIA THE SITES. IN ADDITION, THE RICHER LIFE MEDIA, LLC PARTIES HEREBY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, CUSTOM, TRADE, QUIET ENJOYMENT, SYSTEM INTEGRATION AND FREEDOM FROM COMPUTER VIRUS.

THE RICHER LIFE MEDIA, LLC PARTIES DO NOT REPRESENT OR WARRANT THAT THE SITES OR THE FUNCTIONS CONTAINED THEREIN WILL BE ERROR-FREE OR UNINTERRUPTED; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SITES OR THE SERVER THAT MAKES THE SITES AVAILABLE ARE FREE FROM ANY HARMFUL COMPONENTS, INCLUDING, WITHOUT LIMITATION, VIRUSES OR OTHER MALWARE. THE RICHER LIFE MEDIA, LLC PARTIES DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT THE INFORMATION (INCLUDING ANY INSTRUCTIONS) ON THE SITES IS ACCURATE, COMPLETE, CORRECT, ADEQUATE, USEFUL, TIMELY, RELIABLE OR OTHERWISE. THE RICHER LIFE MEDIA, LLC PARTIES DO NOT WARRANT THAT YOUR USE OF THE SITES IS LAWFUL IN ANY PARTICULAR JURISDICTION, AND THE RICHER LIFE MEDIA, LLC PARTIES SPECIFICALLY DISCLAIM SUCH WARRANTIES. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES SO THE ABOVE DISCLAIMER MAY NOT APPLY TO THE EXTENT SUCH JURISDICTION’S LAW IS APPLICABLE TO THESE TERMS.

BY ACCESSING OR USING THE SITES, YOU REPRESENT AND WARRANT THAT YOUR ACTIVITIES ARE LAWFUL IN EVERY JURISDICTION WHERE YOU ACCESS OR USE THE SITES.

YOU AGREE THAT YOUR ACCESS TO, AND USE OF, THE SERVICES AND THE CONTENT AVAILABLE THROUGH THE SERVICES IS ON AN “AS-IS”, “AS AVAILABLE” BASIS AND WE AND OUR INFORMATION PROVIDERS SPECIFICALLY DISCLAIM ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY REPRESENTATIONS OR WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. We do not give tax or investment advice or advocate the purchase or sale of any security or investment. You should always seek the assistance of a professional for tax and investment advice. Certain information and data provided in connection with these Services may be delayed as specified by financial exchanges or Information Providers. Richer Life and the Information Providers furnish the information available in connection with these Services without responsibility for accuracy and you agree that errors or omissions contained in such information shall not be made the basis for any claim, demand or cause of action against Richer Life or any Information Provider. We may link to, or promote, websites or services from other companies or offer you the ability to download software from other companies. You agree that we are not responsible for, and do not control, those websites, services and software. The Services includes facts, views, opinions and recommendations of individuals and organizations deemed of interest. Neither Richer Life nor the Information Providers guarantees the accuracy, completeness or timeliness of, or otherwise endorses, these facts, views, opinions or recommendations, gives investment advice, or advocates the purchase or sale of any security or investment.

NEITHER RICHER LIFE NOR THE SERVICE IS INTENDED TO PROVIDE MEDICAL, HEALTH, LEGAL, TAX OR FINANCIAL ADVICE. RICHER LIFE IS NOT A FINANCIAL PLANNER, BROKER OR TAX ADVISOR. The Service is intended only to assist you in your financial organization and decision-making and is broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Richer Life Website or this Website may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.

THE CONTENT ON AND IN OUR WEBSITE IS NOT INTENDED IN ANY WAY TO BE A SUBSTITUTE FOR PROFESSIONAL MEDICAL ADVICE. ALWAYS SEEK THE ADVICE OF YOUR PHYSICIAN OR OTHER QUALIFIED HEALTH PROVIDER WITH ANY QUESTIONS YOU MAY HAVE REGARDING A MEDICAL CONDITION. NEITHER THE CONTENT NOR ANY OTHER SERVICE OFFERED BY OR THROUGH OUR WEBSITE IS INTENDED TO BE RELIED ON FOR MEDICAL DIAGNOSIS OR TREATMENT. NEVER DISREGARD MEDICAL ADVICE OR DELAY IN SEEKING IT BECAUSE OF SOMETHING YOU HAVE READ ON OR IN OUR WEBSITE. IN AN EMERGENCY CALL 911 OR YOUR LOCAL EMERGENCY ASSISTANCE NUMBER.

18. Limitations on Liability

NEITHER RICHER LIFE, NOR ANY INFORMATION PROVIDER, NOR ANY OF THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, SHAREHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES AND LICENSORS (THE “EXCLUDED PARTIES”) WILL BE LIABLE (JOINTLY OR SEVERALLY) TO YOU OR ANY OTHER PERSON AS A RESULT OF YOUR ACCESS OR USE OF THE SERVICES FOR INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, LOST PROFITS, LOST SAVINGS AND LOST REVENUES WHETHER OR NOT CHARACTERIZED IN NEGLIGENCE, TORT, CONTRACT, OR OTHER THEORY OF LIABILITY, EVEN IF ANY OF SUCH EXCLUDED PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN ANY OF THE EXCLUDED DAMAGES, AND IRRESPECTIVE OF ANY FAILURE OF AN ESSENTIAL PURPOSE OF A LIMITED REMEDY. IF ANY APPLICABLE AUTHORITY HOLDS ANY PORTION OF THIS SECTION TO BE UNENFORCEABLE, THEN THE EXCLUDED PARTIES’ LIABILITY WILL BE LIMITED TO THE FULLEST POSSIBLE EXTENT PERMITTED BY APPLICABLE LAW. UNDER NO CIRCUMSTANCES WILL THE RICHER LIFE MEDIA, LLC PARTIES BE LIABLE TO YOU FOR ANY LOSS OR DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, FOR ANY DIRECT, INDIRECT, ECONOMIC, EXEMPLARY, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL LOSSES OR DAMAGES THAT ARE DIRECTLY OR INDIRECTLY RELATED TO (A) THE SITES; (B) THE MATERIALS; (C) THE DRICHER LIFE MEDIA, LLCLOADABLE ITEMS; (D) USER CONTENT; (E) YOUR USE OF, INABILITY TO USE, OR THE PERFORMANCE OF THE SITES; (F) ANY ACTION TAKEN IN CONNECTION WITH AN INVESTIGATION BY THE RICHER LIFE MEDIA, LLC PARTIES OR LAW ENFORCEMENT AUTHORITIES REGARDING YOUR USE OF THE SITES; (G) ANY ACTION TAKEN IN CONNECTION WITH COPYRIGHT OR OTHER INTELLECTUAL PROPERTY RICHER LIFE MEDIA, LLCERS; (H) ANY ERRORS OR OMISSIONS IN THE SITES’ TECHNICAL OPERATION; OR (I) ANY DAMAGE TO ANY USER’S COMPUTER, HARDWARE, COMPUTER SOFTWARE, WIRELESS DEVICES, CELLULAR PHONE, MODEM OR OTHER EQUIPMENT OR TECHNOLOGY, INCLUDING, WITHOUT LIMITATION, DAMAGE FROM ANY SECURITY BREACH OR FROM ANY VIRUS, BUGS, TAMPERING, FRAUD, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER LINE OR NETWORK FAILURE OR ANY OTHER TECHNICAL OR OTHER MALFUNCTION, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS, LOSS OF GOODWILL, LOSS OF DATA, WORK STOPPAGE, ACCURACY OF RESULTS, OR COMPUTER FAILURE OR MALFUNCTION, EVEN IF FORESEEABLE OR EVEN IF THE RICHER LIFE MEDIA, LLC PARTIES HAVE BEEN ADVISED OF OR SHOULD HAVE KNRICHER LIFE MEDIA, LLC OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, STRICT LIABILITY OR TORT (INCLUDING, WITHOUT LIMITATION, WHETHER CAUSED, IN WHOLE OR IN PART, BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, OR THEFT OR DESTRUCTION OF THE SITES). IN NO EVENT WILL THE RICHER LIFE MEDIA, LLC PARTIES BE LIABLE TO YOU OR ANYONE ELSE FOR LOSS, DAMAGE OR INJURY, INCLUDING, WITHOUT LIMITATION, DEATH OR PERSONAL INJURY. SOME STATES, COUNTRIES, PROVINCES AND TERRITORIES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT WILL THE RICHER LIFE MEDIA, LLC PARTIES’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED ONE CENT UNITED STATES DOLLARS ($0.01). YOUR ACCESS TO AND USE OF THE SITES IS AT YOUR RISK. IF YOU ARE DISSATISFIED WITH THE SITES OR ANY OF THE MATERIALS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE ACCESSING AND USING THE SITES OR THE MATERIALS. You understand and agree that your use of the Services is at your sole risk.

BY ACCESSING THE SITES, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE, WHICH PROVIDES AS FOLLOWS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNRICHER LIFE MEDIA, LLC BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.”

19. Earning and Income Disclaimers

ANY EARNINGS OR INCOME STATEMENTS, OR EARNINGS OR INCOME EXAMPLES, THAT MAY BE MADE ON THIS WEBSITE ARE ONLY ESTIMATES OF WHAT WE THINK YOU COULD EARN. THERE IS NO ASSURANCE YOU’LL DO AS WELL. IF YOU RELY UPON OUR FIGURES, YOU MUST ACCEPT THE RISK OF NOT DOING AS WELL.

WHERE SPECIFIC INCOME FIGURES ARE USED, AND ATTRIBUTED TO AN INDIVIDUAL OR BUSINESS, THOSE PERSONS OR BUSINESSES HAVE EARNED THAT AMOUNT. THERE IS NO ASSURANCE YOU’LL DO AS WELL. IF YOU RELY UPON OUR FIGURES; YOU MUST ACCEPT THE RISK OF NOT DOING AS WELL.

ANY AND ALL CLAIMS OR REPRESENTATIONS, AS TO INCOME EARNINGS ON THIS WEBSITE, ARE NOT TO BE CONSIDERED AS AVERAGE EARNINGS.

THERE CAN BE NO ASSURANCE THAT ANY PRIOR SUCCESSES, OR PAST RESULTS, AS TO INCOME EARNINGS, CAN BE USED AS AN INDICATION OF YOUR FUTURE SUCCESS OR RESULTS.

MONETARY AND INCOME RESULTS ARE BASED ON MANY FACTORS. WE HAVE NO WAY OF KNOWING HOW WELL YOU WILL DO, AS WE DO NOT KNOW YOU, YOUR BACKGROUND, YOUR WORK ETHIC, OR YOUR BUSINESS SKILLS OR PRACTICES. THEREFORE WE DO NOT GUARANTEE OR IMPLY THAT YOU WILL GET RICH, THAT YOU WILL DO AS WELL, OR MAKE ANY MONEY AT ALL. THERE IS NO ASSURANCE YOU’LL DO AS WELL. IF YOU RELY UPON OUR FIGURES; YOU MUST ACCEPT THE RISK OF NOT DOING AS WELL.

INTERNET BUSINESSES AND EARNINGS DERIVED THEREFROM, HAVE UNKNOWN RISKS INVOLVED, AND ARE NOT SUITABLE FOR EVERYONE. MAKING DECISIONS BASED ON ANY INFORMATION PRESENTED IN OUR PRODUCTS, SERVICES, OR WEBSITE, SHOULD BE DONE ONLY WITH THE KNOWLEDGE THAT YOU COULD EXPERIENCE SIGNIFICANT LOSSES, OR MAKE NO MONEY AT ALL.

ALL PRODUCTS AND SERVICES BY OUR COMPANY ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. USE CAUTION AND SEEK THE ADVICE OF QUALIFIED PROFESSIONALS. CHECK WITH YOUR ACCOUNTANT, LAWYER OR PROFESSIONAL ADVISOR, BEFORE ACTING ON THIS OR ANY INFORMATION.

USERS OF OUR PRODUCTS, SERVICES AND WEBSITE ARE ADVISED TO DO THEIR OWN DUE DILIGENCE WHEN IT COMES TO MAKING BUSINESS DECISIONS AND ALL INFORMATION, PRODUCTS, AND SERVICES THAT HAVE BEEN PROVIDED SHOULD BE INDEPENDENTLY VERIFIED BY YOUR OWN QUALIFIED PROFESSIONALS. OUR INFORMATION, PRODUCTS, AND SERVICES ON THIS WEBSITE SHOULD BE CAREFULLY CONSIDERED AND EVALUATED, BEFORE REACHING A BUSINESS DECISION, ON WHETHER TO RELY ON THEM.

YOU AGREE THAT OUR COMPANY IS NOT RESPONSIBLE FOR THE SUCCESS OR FAILURE OF YOUR BUSINESS DECISIONS RELATING TO ANY INFORMATION PRESENTED BY OUR COMPANY, OR OUR COMPANY PRODUCTS OR SERVICES.

20. Indemnity

You agree to defend (if requested by RICHER LIFE MEDIA, LLC), indemnify and hold harmless the RICHER LIFE MEDIA, LLC Parties from and against any and all claims, damages, losses, costs, investigations, liabilities, judgments, settlements and expenses, including attorneys’ fees, that directly or indirectly arise from or are otherwise directly or indirectly related to: (a) User Content; (b) your use of the Sites or activities in connection with the Sites; (c) your breach or anticipatory breach of these Terms; (d) your violation of any laws, rules, regulations, codes, statutes, ordinances or orders of any governmental and quasi-governmental authorities, including, without limitation, all regulatory, administrative and legislative authorities; (e) information or material transmitted through your computer or other device used to access the Sites, even if not submitted by you, that infringes, violates or misappropriates any copyright, trademark, trade secret, trade dress, patent, publicity, privacy or other right of any person or defames any person; (f) any misrepresentation made by you; or (g) the RICHER LIFE MEDIA, LLC Parties’ use of your information. You will cooperate as fully required by the RICHER LIFE MEDIA, LLC Parties in the defense of any claim. Notwithstanding the foregoing, the RICHER LIFE MEDIA, LLC Parties retain the exclusive right to settle, compromise and pay any and all claims, demands, proceedings, suits, actions or causes of action which are brought against them herein under the terms and provisions of this Section. The RICHER LIFE MEDIA, LLC Parties reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you will not in any event settle any claim without the prior written consent of a duly authorized employee of the RICHER LIFE MEDIA, LLC Parties.

21. General

This Agreement contains the final and entire agreement between us regarding your use of the Services and supersedes all previous and contemporaneous oral or written agreements regarding your use of the Services. This Agreement is personal to you, which means that you may not assign your rights or obligations under this Agreement to anyone. No third party is a beneficiary of this Agreement. You agree that this Agreement, as well as any and all claims arising from this Agreement will be governed by and construed in accordance with the laws of the State of California, United States of America applicable to contracts made entirely within California and wholly performed in California, without regard to any conflict or choice of law principles. The sole jurisdiction and venue for any litigation arising out of this Agreement will be an appropriate federal or state court located in Orange County, California. This Agreement will not be governed by the United Nations Convention on Contracts for the International Sale of Goods.

If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties agree that its remaining provisions will remain in full force and effect, provided that the allocation of risks described herein is given effect to the fullest extent possible. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. You agree that no joint venture, partnership, employment or agency relationship exists between you and Richer Life Media, LLC or its affiliates as a result of this Agreement or your use of the Website.

22. Third-Party Websites

This Website may produce automated search results or otherwise link you to other websites on the Internet. These websites may contain information or material that some people may find inappropriate or offensive. These other websites are not under the control of Richer Life Media, and you acknowledge that Richer Life Media is not responsible for the accuracy, legal or regulatory compliance, legality, decency or any other aspect of the content of such websites. The inclusion of such a link does not imply endorsement of the website by Richer Life Media or any association with its operators.

23. International Use of Content

We make no representation that materials on this Website or through the Services are appropriate or available for use in locations outside the United States, and accessing them from territories where their contents are illegal is prohibited. Individuals or entities accessing this Website or the Services from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws.

24. Acknowledgment and Agreement

Richer Life Media reserves the right, in its sole discretion, to terminate your access to all or part of this Website and the Services, with or without notice. We may revise the Agreement at any time by updating this posting. Accordingly, you should visit this page periodically to review the Online Subscription Agreement, because your acceptance of its terms and conditions is binding on you.

25. Accuracy and Availability of Information

The Website contains database information and other content compiled by Richer Life. While we use commercially reasonable efforts to provide accurate information, Richer Life gives no warranty as to the accuracy of the database and other content on the Website. Richer Life reserves the right to withdraw or delete information or content from the Website at any time.

26. Legal Disclaimer

The goal of this Website is to provide accurate and useful information to you about personal financial planning. It is designed to help you focus on goals and actions that are important to address in the financial planning process. The Website is intended to provide general guidelines that are for informational purposes only and is provided with the understanding that the author is not engaged in rendering professional services or in providing specific investment advice.

The application of general guidelines involving regulatory, accounting, and legal practices, which may differ from locality to locality and which are constantly changing, is highly dependent on an evaluation of individual facts and specific circumstances. With regard to any decisions that can potentially have significant financial, legal, tax, or other consequences, no website can take the place of individual professional advice. You should not regard this Website as a substitute for consulting with a competent lawyer, accountant, or other financial professional, as appropriate to the nature of your particular situation.

The Website presents various investment strategies and products that may or may not be appropriate for your specific situation. It is also important to keep in mind that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product discussed in this Website will be profitable or suitable for your portfolio. Also, in order to help you consider investment options, this Website makes certain assumptions about future investment returns. These projections are based on a number of factors, including past performance of various asset classes. While the past sometimes repeats itself, there is no assurance that past investment performance will be indicative of future results. Consequently, future investment performance for asset classes and portfolios cannot be guaranteed. If you have any questions regarding the applicability of any investment strategy or products discussed in this website to your particular financial situation, you should consult with a professional advisor.

References in the Website to products, service providers, and potential sources of additional information do not mean that we can vouch for such products or services or the information or recommendations in those sources. We are not responsible for any third-party product or service or content over which we do not have control.

27. Compensation and Affiliation Affidavit

As per mandates from FEDERAL TRADE COMMISSION, 16 CFR Part 255 – Guides Concerning the Use of Endorsements and Testimonials in Advertising, the purpose of this document is to establish the possible compensatory affiliation with Richer Life Media, LLC and Any Testimonials or Endorsers found on the ages of our site.

Any or all endorsements from testimonials used in our promotional materials MAY be affiliated with Richer Life Media, LLC as Marketing Affiliates and therefore might have an established connection with Richer Life Media, LLC in the form of Commissions paid on sales resulting from Referrals from those Testimonials that might lead some readers to believe that the testimonial reviews on the pages of Richer Life Insights might be biased. However, the reviews and comments on the pages of this site are to the best of our knowledge the true statements and beliefs of the endorsement givers and any claims made on the pages of this site can be substantiated on request by contacting us at http://www.richerlifeinsights.com.
EARNINGS DISCLAIMER AND FORWARD LOOKING STATEMENT
Every effort has been made to accurately represent Richer Life Insights and its potential. However, there is no guarantee that you will earn any money using Richer Life Insights, the techniques or ideas in these materials. Examples in these materials are not to be interpreted as a promise or guarantee of earnings in any way. Earning potential is entirely dependent on the person using these products, ideas and techniques and 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, previous 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 on 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. Such Forward Looking Statements use words such as “anticipate,” “estimate,” “expect,” “project,” “intend,” “plan,” “believe,”  and other such words and terms of similar meaning in connection with a description of potential earnings or financial performance. Your Results May Vary from ours and those of anyone else who is, or will be using these products, techniques, and/or services.

Any and all forward looking statements here or on any of our sales material are intended to express our opinion of earnings potential not actual earnings expected. Many factors will be important in determining your actual results and no guarantees are made, expressed or implied that you will achieve results similar to ours or anybody else’s. In fact no guarantees are made that you will achieve any results from our ideas and techniques in our material at all.

All materials on this site are © copyrighted by Richer Life Media, LLC. No part of this may be copied, or changed in any format, sold, or used in any way, online or offline, other than what is outlined within this site, under any circumstances without express permission from Richer Life Media, LLC.

CONTACT INFORMATION:
Richer Life Media, LLC
http://www.richerlife.com

YOU HEREBY ACKNOWLEDGE THAT THE PROVISIONS, DISCLOSURES AND DISCLAIMERS SET FORTH ABOVE ARE FAIR AND REASONABLE, AND THAT YOUR AGREEMENT TO FOLLOW AND BE BOUND TO THEM IS NOT THE RESULT OF FRAUD, DURESS OR UNDUE INFLUENCE EXERCISED UPON YOU BY ANY PERSON OR ENTITY.

YOU ACKNOWLEDGE AND CONFIRM THAT (A) YOU HAVE READ AND UNDERSTAND ALL OF THE ABOVE AGREEMENT, TERMS, POLICIES, PROVISIONS, DISCLOSURES AND DISCLAIMERS, (b) that this Agreement has the same force and effect as a signed agreement, AND (C) THAT YOU EXPRESSLY AGREE TO BE BOUND BY THE TERMS OF THIS AGREEMENT.

Copyright © 2010 Richer Life Media, LLC