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TERMS OF SERVICE AND DISCLAIMER

COPYRIGHT INFORMATION
THIS WEBSITE, PRODUCTS SOLD HEREIN, AND ALL ASSOCIATED MATERIALS (COLLECTIVELY REFERRED TO HEREIN AS "PRODUCT"), COPYRIGHT 2003-2015 BY FRANK J. RUMBAUSKAS, JR. (HEREIN "AUTHOR") AND FJR ADVISORS, INC., ALL RIGHTS RESERVED. FEDERAL COPYRIGHT LAW PROVIDES SEVERE CIVIL AND CRIMINAL PENALTIES FOR THE UNAUTHORIZED REPRODUCTION OR PUBLIC DISTRIBUTION OR EXHIBITION OF COPYRIGHTED MATERIALS. THIS PRODUCT IS PROTECTED BY TITLE 17, UNITED STATES CODE, INCLUDING BUT NOT LIMITED TO SECTIONS 501, 504 AND 506. THE STAFF OF FJR ADVISORS, INC. REGULARLY SEARCHES THE INTERNET FOR UNAUTHORIZED DISTRIBUTION AND/OR DUPLICATION OF THIS PRODUCT. 

TRADEMARK INFORMATION
”COLD CALLING IS A WASTE OF TIME: SALES SUCCESS IN THE INFORMATION AGE” AND “NEVER COLD CALL AGAIN” ARE REGISTERED TRADEMARKS OF FJR ADVISORS, INC. AND MAY NOT BE USED OR REPRODUCED IN ANY WAY, SHAPE, OR FORM WITHOUT THE EXPRESS WRITTEN PERMISSION OF FJR ADVISORS, INC.

MATERIALS MAY NOT BE RESOLD
LICENSED ONLY FOR NON-COMMERCIAL PRIVATE EXHIBITION. ANY PUBLIC PERFORMANCE, OTHER USE, OR COPYING IS STRICTLY PROHIBITED. YOU ARE RECEIVING A SINGLE, NON-TRANSFERABLE, NON-ASSIGNABLE LICENSE FOR THE NON-COMMERCIAL PRIVATE USE OF THIS PRODUCT. THIS PRODUCT IS NOT TO BE RE-SOLD AT ANY TIME. IN OTHER WORDS, THESE MATERIALS ARE FOR YOUR OWN PERSONAL USE AND ARE NOT TO BE SOLD OR DISTRIBUTED TO OTHERS NOW OR AT ANY TIME IN THE FUTURE. THE AUTHOR AND FJR ADVISORS, INC. WILL, IN ALL CIRCUMSTANCES, PURSUE INFRINGERS FOR THE MAXIMUM REMEDIES, PROTECTIONS, AND STATUTORY DAMAGES ALLOWABLE UNDER TITLE 17, USC, CHAPTER 5.

DISCLAIMER AND RELEASE FROM LIABILITY
YOU UNDERSTAND THAT THE STATEMENTS MADE AND CONCEPTS CONVEYED THROUGHOUT THIS PRODUCT ARE A PERSONAL OPINION ONLY. THE AUTHOR AND FJR ADVISORS, INC. MAKE NO REPRESENTATION OTHERWISE. YOU ARE RESPONSIBLE FOR YOUR OWN BEHAVIOR AND CONDUCT. NONE OF THE MATERIAL CONTAINED HEREIN IS TO BE CONSIDERED LEGAL, PROFESSIONAL, OR PERSONAL ADVICE. FJR ADVISORS, INC. MAKES NO WARRANTIES OF ANY KIND (EITHER EXPRESSED OR IMPLIED) AND YOU ALONE ASSUME ALL RISK ASSOCIATED WITH THE USE OF THIS PRODUCT. BY USE OF THIS PRODUCT, YOU WAIVE ANY CLAIM WHATSOEVER AND HOLD HARMLESS THE AUTHOR AND FJR ADVISORS, INC. AND ANY OF ITS OFFICERS, STAFF, ADVISORS, REPRESENTATIVES, CONTRACTORS OR DESIGNEES THAT MAY ARISE FROM SUCH USE. THIS WAIVER SPECIFICALLY INCLUDES ANY CLAIM ARISING FROM A PRODUCT AND/OR SERVICE WHICH YOU PURCHASE FROM FJR ADVISORS, INC. OR ANY INFORMATION YOU RECEIVE VIA POSTAL MAIL, E-MAIL, FAX, TELEPHONE, OR OTHERWISE. THIS INCLUDES RESPONSIBILITY FOR THE ACCURACY OR COMPLIANCE WITH ANY APPLICABLE LOCAL LAWS. FJR ADVISORS, INC. AND THE AUTHOR FRANK J. RUMBAUSKAS, JR. SHALL NOT BE LIABLE IN ANY WAY WHATSOEVER, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM EITHER YOUR USE OF THIS PRODUCT OR YOUR INABILITY TO USE IT. THIS LIMITATION INCLUDES ANY CIRCUMSTANCE IN WHICH FJR ADVISORS, INC. OR ANY OF ITS REPRESENTATIVES HAVE BEEN ADVISED OF POTENTIAL LIABILITY. CERTAIN APPLICABLE LAWS MAY NOT ALLOW ALL THE LIMITATIONS OF LIABILITY DESCRIBED HEREIN. YOU AGREE THAT FJR ADVISORS, INC.'S TOTAL LIABILITY TO YOU INCLUDING BUT NOT LIMITED TO LOSSES, DAMAGES, CAUSES OF ACTION, AND/OR NEGLIGENCE SHALL NOT EXCEED THE TOTAL MANUFACTURER'S SUGGESTED RETAIL PRICE OF THIS PRODUCT AT THE TIME OF PURCHASE.

TRIAL OFFERS
FROM TIME TO TIME, FJR ADVISORS, INC. MAY OFFER PRODUCTS ON A THIRTY (30) DAY FREE TRIAL BASIS.  WHEN SUCH OFFERS ARE MADE, THE THIRTY (30) DAY PERIOD BEGINS ON THE DATE THE ORDER IS PLACED, NOT THE DATE OF SHIPMENT OR DELIVERY TO CUSTOMER. THE THIRTY (30) DAYS SHALL BE COUNTED AS THIRTY (30) CALENDAR DAYS. AT THE CONCLUSION OF THE THIRTY (30) DAY FREE TRIAL PERIOD, THE CUSTOMER'S CREDIT CARD SHALL BE BILLED FOR THE PURCHASE PRICE, UNLESS THE PRODUCT HAS BEEN RETURNED TO AND RECEIVED BY FJR ADVISORS, INC. PRIOR TO THE END OF THE THIRTY (30) CALENDAR DAY TRIAL PERIOD.

JURISDICTION
THIS AGREEMENT SHALL BE GOVERNED BY THE LAWS OF THE STATE OF TEXAS WITHOUT REGARD TO PRINCIPLES OF CONFLICT OF LAWS.  ANY LEGAL CLAIM ARISING FROM THIS AGREEMENT SHALL BE BROUGHT AND HEARD IN A DALLAS COUNTY, TEXAS COURT. FJR ADVISORS, INC. IS A TEXAS CORPORATION LOCATED IN THE CITY AND COUNTY OF DALLAS, TEXAS.

CREDIT CARD CHARGEBACK POLICY

A "chargeback" occurs when a customer disputes a credit card charge.  A fraudulent chargeback occurs when a customer attempts to dispute a charge for merchandise that they have knowingly purchased and have returned for a refund.

Attempting to dispute a valid credit card charge is fraudulent and is illegal in most states.  FJR Advisors, Inc. does not tolerate chargeback fraud, and we follow the following procedure when this takes place:

1.  If you attempt to dispute or deny a valid charge, we will first contact you directly, because many disputed charges occur as a result of the customer not recognizing our charge on their statement, such as a situation where an employee used a corporate card to purchase our training and an accounts payable manager doesn't recognize the charge.  You will have ten (10) calendar days to reverse your dispute upon receipt of our letter.

2.  We will immediately begin the process of fighting your chargeback, using all available information including a correct AVS (address verification service) and card security code match on your order, proof-of-delivery of our product to your address, copies of any and all emails and support tickets you have sent us, proof-of-use of digital products, and a search of the web and your social media accounts for any mention that you have purchased our product(s). We experience over a 90% chargeback win rate using these methods. Be aware that your bank may charge you additional fees if you lose your dispute.

If your chargeback appears to be so-called "Friendly Fraud" - an attempt on your part to defraud us and abuse the chargeback process to obtain our product(s) for free, we may file a police report with your local law enforcement agencies, along with a report to the FBI's IC3 Internet Crimes Unit, which announced in December, 2014 that they believe over 92% of all credit card chargebacks in the US to be so-called "friendly fraud" and that they are now prosecuting consumers who attempt such chargebacks.

3.  Your account will be turned over to a collection agency, which will initiate collection activities as well as report your account as delinquent to all of the major credit bureaus.  In addition to our U.S. collection agency, we also contract with collection agencies abroad.

4.  If you still do not resolve the situation by either reversing the dispute or reimbursing us for the amount disputed plus our bank fees, we reserve the right file a civil lawsuit against you in a Dallas County, Texas court for the amount disputed, for bank fees related to the chargeback, for additional damages for the harm your chargeback causes to our merchant credit record, and for punitive damages as the courts do not take credit card fraud lightly.


Our money-back guarantee has been certified by independent consumer watchdog group GuaranteeGuarantee.com which verifies that we honor our guarantee 100% of the time, no questions asked.

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