eToolCentral.com

Contents:

I. Earnings Disclaimer

II. Terms of Use Agreement

III. Privacy Policy

EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT OUR PRODUCTS AND THEIR POTENTIAL. EVEN THOUGH THIS INDUSTRY IS ONE OF THE FEW WHERE ONE CAN WRITE THEIR OWN CHECK IN TERMS OF EARNINGS, THERE IS NO GUARANTEE THAT YOU WILL EARN ANY MONEY USING THE PRODUCTS, RESOURCES, TECHNIQUES, AND IDEAS ON THIS SITE. EXAMPLES ARE NOT TO BE INTERPRETED AS A PROMISE OR GUARANTEE OF EARNINGS. EARNING POTENTIAL IS ENTIRELY DEPENDENT ON YOUR ABILITY TO LEARN, YOUR FINANCES, KNOWLEDGE, VARIOUS SKILLS, AND YOUR DESIRE TO TAKE ACTION. 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. 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 EARNING 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 ANYBODY ELSES, IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN ANY OF OUR MATERIAL.

Section II. Terms of Use Agreement

We have taken every effort to design our Web site to be useful, informative, helpful, honest, and fun. Hopefully we’ve accomplished that — and would ask that you let us know if you’d like to see improvements or changes that would make it even easier for you to find the information you need and want.

All we ask is that you agree to abide by the following Terms and Conditions. Take a few minutes to look them over because by using our site you automatically agree to them. Naturally, if you don’t agree, please do not use the site. We reserve the right to make any modifications that we deem necessary at any time. Please continue to check these terms to see what those changes may be! Your continued use of the eToolCentral.com Web site means that you accept those changes.

Limitation of Liability

The materials on this site are provided "as is" and without warranties of any kind either express or implied. eToolCentral.com disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. eToolCentral.com does not warrant that the functions contained in the products, resources or services offered 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. eToolCentral.com does not warrant or make any representations regarding the use or the results of the use of the products, resources, or services offered by this site in terms of their correctness, accuracy, reliability, or otherwise. You (and not eToolCentral.com) 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.

Under no circumstances, including, but not limited to, negligence, shall eToolCentral.com be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if eToolCentral.com has been advised 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 eToolCentral.com's 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 paid by you, if any, for accessing this site.

Facts and information at this website are believed to be accurate at the time they were placed on the website. Changes may be made at any time without prior notice. All data provided on this website is to be used for information purposes only. The information contained on this website and pages within, is not intended to provide specific legal, financial or tax advice, or any other advice, whatsoever, for any individual or company and should not be relied upon in that regard. The services described on this website are only offered in jurisdictions where they may be legally offered. Information provided in our website is not all-inclusive, and is limited to information that is made available to eToolCentral.com and such information should not be relied upon as all-inclusive or accurate.

Restrictions on Use of Our Online Materials

Except where specified/granted: All Online Materials on the eToolCentral.com site, including, without limitation, text, software, names, logos, trademarks, service marks, trade names, images, photos, illustrations, audio clips, video clips, and music are copyrighted intellectual property. All usage rights are owned and controlled by eToolCentral.com. You, the visitor, may download Online Materials for non-commercial, personal use only provided you 1) retain all copyright, trademark and propriety notices, 2) you make no modifications to the materials, 3) you do not use the materials in a manner that suggests an association with any of our products, services, events or brands, and 4) you do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes. You may not, however, copy, reproduce, republish, upload, post, transmit or distribute Online Materials in any way or for any other purpose unless you get our written permission first. Neither may you add, delete, distort or misrepresent any content on the eToolCentral.com site. Any attempts to modify any Online Material, or to defeat or circumvent our security features is prohibited.

Everything you download, any software, plus all files, all images incorporated in or generated by the software, and all data accompanying it, is considered licensed to you by eToolCentral.com or third-party licensors for your personal, non-commercial home use only. We do not transfer title of the software to you. That means that we retain full and complete title to the software and to all of the associated intellectual-property rights. You’re not allowed to redistribute or sell the material or to reverse-engineer, disassemble or otherwise convert it to any other form that people can use.

Refund Policy

WE PROVIDE A MONEYBACK GUARANTEE FOR THE PERIOD OF TIME SPECIFIED ON THE INDIVIDUAL SALES LETTER, FROM DATE OF PURCHASE. CUSTOMERS REQUESTING A REFUND ARE REQUIRED TO DELETE ALL SOFTWARE, EBOOKS, AND OTHER MATERIAL DOWNLOADED FROM THE ETOOLCENTRAL.COM DOMAIN, AND ALL AFFILIATED DOMAINS, FROM THEIR PC AND ANY BACKUP DEVICES SUCH AS DISKS OR TAPES, UNLESS OTHERWISE NOTED IN THE SALES LETTER. ONCE SUCH A REFUND HAS BEEN ISSUED, THE LICENSE TO USE THE PRODUCT WILL BE REVOKED. HENCE, WE RESERVE THE RIGHT TO "LOCK" ANY PRODUCTS FROM BEING USED BY ANYONE REQUESTING A REFUND. ANY PERSON CHOOSING TO RE-PURCHASE THE SAME PRODUCT THEY RECEIVED A REFUND FOR, WILL NOT BE ELIGIBLE FOR ANY FUTURE REFUNDS FOR THE SAME PRODUCT. WE WILL, AT OUR DISCRETION, DEDUCT FOR ANY SUPPORT REQUESTS FULLFILLED OUTSIDE THE REALM OF OUR SOFTWARE (I.E. HARDWARE SUPPORT, HOSTING SUPPORT, SCRIPT INSTALLATION, OR ANY SERVICE WE FEEL IS IN ADDITION TO THE GENERAL SUPPORT WE PROVIDE FOR USING OUR SOFTWARE.) REFUNDS ARE PROCESSED ON A WEEKLY BASIS AND COULD TAKE UP TO 3-5 BUSINESS DAYS TO CREDIT BACK TO YOUR ACCOUNT.

Governing law

This policy and the use of this Site are governed by South Carolina law. If a dispute arises under this Policy we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: South Carolina. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: South Carolina, 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.

eToolCentral.com is controlled, operated and administered entirely within the state of South Carolina, USA. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

Section III. Privacy Policy

Last Updated: 7/17/2006

WE HAVE A ZERO TOLERANCE SPAM POLICY.

SPAM SHALL INCLUDE, BUT IS NOT LIMITED TO, THE SENDING OF UNSOLICITED INFORMATION TO A PERSON OR GROUP THAT HAS NOT SPECIFICALLY ASKED TO RECEIVE THAT PARTICULAR INFORMATION OR IS NOT A PERSONAL ACQUAINTANCE OF THE INDIVIDUAL SENDING THE INFORMATION. THE ETOOLCENTRAL.COM DOMAIN AND ITS AFFILIATED DOMAINS WILL NOT BE INCLUDED IN ANY SUCH CORRESPONDENCE.

eToolCentral.com strives to offer its visitors the many advantages of Internet technology and to provide an interactive and personalized experience. We may use Personally Identifiable Information (your name, e-mail address, street address, telephone number) subject to the terms of this privacy policy. We will never sell, barter, rent, or share your Personally Identifiable Information to any unauthorized third party. Period.

How we gather information from users

How we collect and store information depends on the page you are visiting, the activities in which you elect to participate and the services provided. For example, you may be asked to provide information when you register for access to certain portions of our site or request certain features, such as newsletters or when you make a purchase. You may provide information when you participate in sweepstakes and contests, message boards and chat rooms, and other interactive areas of our site. Like most websites, eToolCentral.com also collects information automatically and through the use of electronic tools that may be transparent to our visitors. For example, we may log the name of your Internet Service Provider or use cookie technology to recognize you and hold information from your visit.

What we do with the information we collect

Like other Web publishers, we collect information to enhance your visit and deliver more individualized content and advertising. We respect your privacy and do not share your information with anyone.

Aggregated Information (information that does not personally identify you) may be used in many ways. For example, we may combine information about your usage patterns with similar information obtained from other users to help enhance our site and services (e.g., to learn which pages are visited most or what features are most attractive). Aggregated Information may occasionally be shared with our advertisers and business partners. Again, this information does not include any Personally Identifiable Information about you or allow anyone to identify you individually.

We may use Personally Identifiable Information collected on eToolCentral.com to communicate with you about services and products offered by eToolCentral.com and other topics we think you might find of interest.

Personally Identifiable Information collected by eToolCentral.com will only be used as permitted by law. We will NEVER sell, barter, rent, or share your Personally Identifiable Information with any third-parties. However, we may disclose your information in response to a court order, or at other times when we believe we are reasonably required to do so by law, in connection with the collection of amounts you may owe to us, and/or to law enforcement authorities whenever we deem it appropriate or necessary. Please note we may not provide you with notice prior to disclosure in such cases.

We can be reached by visiting:

www.etoolcentral.com/support

Changes to this Policy:

eToolCentral.com reserves the right to change this policy at any time. Please check this page periodically for changes. Your continued use of our site following the posting of changes to these terms will mean you accept those changes. Information collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the information was collected.

- End Disclaimer -