Cold Calling Home Cold Calling System
TERMS OF SERVICE
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.
”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.
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.
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
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
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.