From time to time, I (also known as the registered owner/manager/CEO) will promote, endorse, or suggest products and/or services for sale. My recommendation is ALWAYS based on my belief that the product and its author will provide excellent and valuable information or service based on a review of that product, my relationship with that person, and or previous positive experience with the person or company whose product I am recommending.
In some cases, I will be compensated if you decide to purchase that product based on my recommendation. In some cases, I will receive the product for free for review purposes. Always Always Always do your OWN due-diligence before making any purchases. Never purchase anything that you cannot afford.
Most people don’t do anything with the products they buy, so most of the time, their typical results are zero. Don’t do drugs, stay in school. There is no such thing as a Silver Bullet…and Good Luck!
Within certain content on my sites I talk about how much money I have made, or how much money other people have made. These numbers are not exact and usually have not been 100% verified. I’m not trying to mislead you, and in most cases I have made around that much money, I just don’t remember the exact numbers.
Sometimes I have guests I interview who state they made a certain amount of money, which I can never be sure is true, but in most cases my guests are trustworthy people or I wouldn’t interview them. Treat everything as a “ball park” figure.
Note that claims of income should not be construed as a guarantee of results possible for you, or even typical results on average. If you buy any products I recommend or sell myself, you may not make any money at all, though of course I hope you take action and earn a result. Just don’t believe the hype that just because one person makes a certain amount that everyone does. Keep working and you will earn rewards.
The Credit Mastermind Refund Policy
When you request a refund for The Credit Mastermind you must show that you actually applied the system and it did not work for you. This means that you…
- Set up your ads and email list
- Set up a two-week email sequence to promote your first offer
- Did at least 2 social media campaigns
This is what The Credit Mastermind teaches you how to do. To qualify for the refund, you have to show me you set these basic things up following the steps in the program, but it did not work for you. I will then be happy to fully refund your program fee.
All you have to do is email email@example.com to request your refund.
The same Money Back Guarantee applies to the “Full Payment Option” or the “Payment Plan” instalments option.
The Longer Story…
The purpose of this page is to disclose to you what this website is about, who we are, and what you are in for when you read any content from me (The Credit Mastermind) or other people, on these websites (thecreditmastermind.com, creditsecrets.us) or in any email newsletters you may receive from us.
How We Make Money
Since this blog includes the topic of how to make money, and the products I sell also focus heavily on the topic of how to make money, it’s easy to accuse me of only making money by teaching people how to make money, which you might consider a scam.
If you fall into that category, I invite you to read the archives of this website, as well as knowledgebase, Needless to say we have experience in many different aspects of Internet marketing from many different projects, however we certainly specialize in how to make money through providing credit training.
Today the majority of our income comes from three sources –
- From sales of eBooks, online courses, membership sites and other information and training products I’ve created
- Affiliate promotions where I am paid a commission if someone buys another person’s product after clicking an affiliate link on one of my websites or in an email I send
And that is pretty much it. You can learn a lot from my websites and newsletters, but always do your research before buying anything and never expect easy money, there is no such thing.
Note that I trade under my business entity, the Credit Secrets LLC, which includes The Credit Mastermind as one of the partner companies. When you purchase products from me, you are buying from my partnership business entity, under United States law.
What Happens After You Purchase
This only refers to purchases made of my own training products, which all are delivered via the www.thecreditmastermind.com domain name. This is not the process for products I recommend as an affiliate, since I do not own those products.
When you purchase one of my e-guides, courses or subscription services, you will be taken through a payment process. Once you complete the payment process you will receive a welcome email from me. Within that email will be instructions on how to download and access the products you paid for.
Note unless otherwise stated, all my products are digital, which means you download them from the internet, the physical books or CDs are mailed to your address on file that you registered with.
If you have any problems with any of this or questions, please contact me on firstname.lastname@example.org. Myself or our assistants will get back to you.
Now here follows the more legal-language explanation…
The Credit Mastermind Terms of Service
The use of all The Credit Mastermind services and its website services and its website is subject to the Terms of Service (TOS) published at: http:// www.thecreditmastermind.com/terms-of-service. By accessing and using this website you agree to be bound by these terms and conditions.
If you do not accept the terms and conditions of The Credit Mastermind website, you must discontinue using them. The Credit Mastermind may revise this Agreement at any time by updating the terms of service policy. Use of the website after such changes are posted will indicate your agreement to these revised terms. You should visit this page periodically to review this Agreement.
Ownership of Material, Software License’s & Intellectual Property Rights
All materials displayed or otherwise accessible through this website, including, without limitation, articles, text, photographs, images, illustrations, computer software and code, and the website, itself, are protected under United States and foreign copyright or other laws, and are owned by The Credit Mastermind.
Any use, reproduction, modification, alteration, public performance or display, uploading or posting onto the internet (including placing on another website), transmission, redistribution or other exploitation of this website or of any content, whether in whole or in part, other than expressly set out herein, is prohibited without the express written permission of The Credit Mastermind.
All software embedded in or located on or at this website, including, without limitation, all computer code of all types, including all files and/or images contained in or generated by such software (Software) is protected by copyright and may be protected by other rights. All such Software is owned by The Credit Mastermind, its licensors or the party accredited with ownership of such Software. You are hereby granted the right to access and use the Software embedded and integrated into this website, subject to
* (i) the terms and conditions of this Agreement, and * (ii) any additional conditions which may be imposed on your access and use of such Software.
If this website provides Software for download, unless otherwise provided, you are hereby granted, subject
* (i) to the terms of this Agreement and
* (ii) to any other terms and conditions that may apply to your downloading and use of such Software, a personal, non-transferable, non-exclusive license to o (i) install and run one copy of the Software in object-code format on a non- networked computer for your personal, non-commercial use; and o (ii) to reproduce the Software only as reasonably required to install, run and make reasonable backup copies as allowed by law.
Except to the extent expressly permitted in this Agreement, you may not:
* (i) use, reproduce, modify, adapt, translate, upload, download or transmit the Software in whole or in part; * (ii) sell, rent, lease, license, trade, transfer or otherwise provide access to the Software; * (iii) alter, remove or cover any trademarks or proprietary notices included in the Software; and/or * (iv) disassemble, decrypt, extract or reverse engineer the Software or assist others in doing so.
Nothing contained in this website shall be construed as granting you any right, title, interest or other license in or to any Software embedded or integrated into this or made available for download from this website, including, but not limited, to any intellectual property rights in the Software. All Software embedded or integrated into this website is provided as Is, without warranties of any kind, either expressed or implied, including, without limitation, any warranty
* (i) that the Software is of merchantable quality or is fit for any particular purpose; * (ii) that the Software will conform with any specification(s) relating to the Software; * (iii) that the Software will be free from material defects; * (iv) that the Software contains no computer viruses or other contaminants; or * (v) that the Software shall process date-related and time-related data without causing any processing interruptions, abnormal termination or process or manipulate any time-related data.
The website and all content are provided on an ‘as is’ basis. By accessing and using this website you acknowledge and agree that use of this website and the content is entirely at your own risk.
The Credit Mastermind makes no representations nor warranties regarding this website and the content, including, without limitation, no representation or warranty: * (i) that this website and/or content will be complete, accurate, reliable, suitable or timely; * (ii) that any content, including, without limitation, any information, data, software, product or service contained in or made available through this website will be of merchantable quality or fit for a particular purpose; * iii) that the operation of this website will be uninterrupted or error free; * (iv) that defects or errors in this website will be corrected; * (v) that this website will be free from viruses or harmful components; and * (vi) that communications to or from this website will be secure or not intercepted.
The Credit Mastermind often receives commissions from third party companies as ‘affiliate’ compensation. We also receive free products from time to time to review or make comment on. Notwithstanding The Credit Mastermind always delivers a true opinion of the product or service.
The information contained on this website is for information purposes only. It is not intended to provide accounting, legal, investment, financial, or other advice to you, and you should not rely upon the information to provide any such advice.
All information posted on this website is intended only as a basis for further discussion, enquiry and study. The Credit Mastermind disclaims any liability for direct, indirect or consequential loss arising in connection with the use of the contents of this website or reliance on those contents by any person or organization, whether in its original form or altered in some way by the user.
The Credit Mastermind gives no warranties nor does The Credit Mastermind make any representation in respect of the contents of this website. The Credit Mastermind advises users of this website to seek their own appropriate independent professional advice to matters raised in this website.
Limitation of Liability
(A) To the extent permitted by law The Credit Mastermind aggregate liability to you, whether for breach of these terms or in negligence or in any other tort or for any other common law or statutory cause of action arising in relation to these terms, the site or the content is limited to the following, the choice of which is at The Credit Mastermind sole discretion:
(i) In the case of goods any one or more of the following:
(a) the replacement of the goods or the supply of equivalent goods; (b) the repair of the goods; (c) the payment of the cost of replacing the goods or of acquiring equivalent goods; or (d) the payment of the cost of having the goods repaired; or
(ii) in the case of services:
(a) the supply of the services again; or (b) the payment of the cost of having the services supplied again.
(B) To the extent permitted by law The Credit Mastermind will not be liable for any direct, incidental, consequential or indirect damages, loss or corruption of data, loss of profits, goodwill, bargain or opportunity or loss of anticipated savings resulting from your access to, or use of, or inability to use the site and the content, whether based on warranty, contract, tort, negligence or any other legal theory, and whether or not we know of the possibility of such damage.
(C) If a jurisdiction does not allow the exclusion or limitation of liability in accordance with paragraph (a) or (b) but allows a limitation of a certain maximum extent then our liability is limited to that extent.
The Credit Mastermind expressly disclaims any and all liability for the acts, omissions or conduct of any third-party user of this website or any advertiser or sponsor of the website. Under no circumstances shall The Credit Mastermind and its officers, directors, employees, agents licensors, be liable for any injury, loss, damage (including special, indirect, incidental or consequential damages) or expense arising in any manner whatsoever from (i) the acts, omissions or conduct of any third-party user; and (ii) any use or inability to use any materials, software, content, goods or services located at or made available at any web site linked to or from this website. If you decide to access or use any linked web site or content, materials, software, goods or services from a web site linked to this website, you do so entirely at your own risk. You hereby release The Credit Mastermind and its officers, directors, employees, agents and their respective successors and assigns, from any damages that you incur, and agree not to assert any claims against them, arising from your purchase or use of any products or services made available through this website or by third parties through this website.
Links, Downloads, Features and Advertisements this website contains links to third-party web sites. These links are provided solely as a convenience to you and not as an endorsement by The Credit Mastermind of the contents of such third-party web sites. We take no responsibility for the accuracy, content, or any aspect of that material, and disclaim any liability to you for such material or for any consequence of your decision to use the links provided or your use of such material. We also disclaim all liability and make no representations or warranties for any products or services sold or provided to you by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between you and the providers of products and services at those other sites. You agree that you shall not bring a suit or claim against The Credit Mastermind or any of our affiliates arising from or based on your purchase or use of products or services through those other sites. Links do not imply that The Credit Mastermind or any of our affiliates sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo, or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo, or copyright symbol of The Credit Mastermind or any of our affiliates. The Credit Mastermind is not responsible for the content of any third-party web site, nor does it make any representation or warranty of any kind regarding any third-party web site including, without limitation
* (i) any representation or warranty regarding the legality, accuracy, reliability, completeness, timeliness, suitability of any content on any third-party web site; * (ii) any representation or warranty regarding the merchantability or fitness for a
particular purpose of any material, content, software, goods or services located at or made available through such third-party web sites; or * (iii) any representation or warranty that the operation of the third-party web sites will be uninterrupted or error free, that defects or errors in such third-party websites will be corrected or that such third-party websites will be free from viruses or other harmful components.
While The Credit Mastermind encourages links to this website, it does not wish to be linked to or from any third-party web site which:
* (i) contains, posts or transmits any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including, without limitation, any content constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law, regulation which may be damaging or detrimental to the activities, operations, credibility or integrity of The Credit Mastermind or which contains, posts or transmits any material or information of any kind which promotes racism, bigotry, hatred or physical harm of any kind against any group or individual, could be harmful to minors, harasses or advocates harassment of another person, provides material that exploits people under the age of 18 in a sexual or violent manner, provides instructional information about illegal activities, including, without limitation, the making or buying of illegal weapons; or * (ii) contains, posts or transmits any information, software or other material which violates or infringes upon the rights of others, including material which is an invasion of privacy, or which is protected by copyright, trademark or other proprietary rights. The Credit Mastermind reserves the right to prohibit or refuse to accept any link to this website, including, without limitation, any link which contains or makes available any content or information of the aforementioned nature, at any time. You agree to remove any link you may have to this website upon the request of The Credit Mastermind.
You agree to indemnify, defend and hold harmless The Credit Mastermind and its officers, directors, employees, agents, licensors and their respective successors and assigns, from and against any and all claims, demands, liabilities, costs or expenses whatsoever, including, without limitation, legal fees and disbursements resulting directly or indirectly from: (i) your breach of any of the terms and conditions of this Agreement; (ii) your access, use or inability to access or use the The Credit Mastermind website or any The Credit Mastermind website Content or other content to which the The Credit Mastermind website is or may be linked to from time to time; (iii) your use of, reliance on, publication, communication or distribution, uploading or downloading of anything on or from The Credit Mastermind website; and/or (iv) your violation of any law or regulation.
Registration and Use of Passwords
To access particular pages and features of this website, you may be asked to register with The Credit Mastermind. You agree:
* (i) that The Credit Mastermind reserves the right to refuse registration access to any individual or organization at any time * (ii) to provide true, accurate, current and complete information about yourself as prompted by any form provided by The Credit Mastermind and * (iii) to maintain and promptly update the information you provide to keep it true, accurate, current and complete.
To access particular pages of this website, you may need to use a username and password, which you will receive through our website registration process. It is your responsibility to maintain the confidentiality of the password and account, and you are responsible for all activities that occur using your password or account. You agree to notify The Credit Mastermind immediately of any unauthorized use of your password or account or any other breach of security, and to ensure that you exit from your account at the end of each session. The Credit Mastermind cannot and will not be liable for any loss or damage arising from your failure or The Credit Mastermind failure to protect your password or account information.
Security of Information on the Internet
You should note that information sent or received over the Internet is generally unsecure and The Credit Mastermind cannot and does not make any representation or warranty concerning security of any communication to or from this website or any representation or warranty regarding the interception by third parties of personal or other information.
We recognize the importance of protecting your privacy and our policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using The Credit Mastermind. This policy will be continuously assessed against new technologies, business practices and our customers’ needs.
When you visit this website, you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse our Web site.
- Personal Information You Choose to Provide
When you register for any of our products, services or newsletters you will provide us information about yourself.
Credit Card Information
If you choose to avail of our services, you may need to give personal information and authorization to obtain information from various credit services. For example, you may need to provide the following information: -Name -Mailing address -Email address -Credit card number -Name on credit card -Credit card billing address -Business and home phone number
If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.
- Web Site Use Information
Similar to other commercial Web sites, our Web sites utilize a standard technology called “cookies” (see explanation below, “What Are Cookies?”) and web server log files to collect information about how our Web site is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Web site, and the Web sites visited just before and just after our Web site.
How Do We Use the Information That You Provide to Us?
Broadly speaking, we use personal information for purposes of administering our business activities, providing the products and services you requested, to process your payment, to monitor the use of the service, our marketing and promotional efforts and improve our content and service offerings, and customize our site’s content, layout, services and for other lawful purposes. These uses improve our site and better tailor it to meet your needs.
Furthermore, such information may be shared with others on an aggregate basis. Personally, identifiable information or business information will not be shared with parties except as required by law.
Occasionally, we may also use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by emailing us at the link provided on the newsletter.
What Are Cookies?
How Do We Use Information We Collect from Cookies?
IP addresses are used by your computer every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer. IP addresses are automatically collected by our web server as part of demographic and profile data known as traffic data so that data (such as the Web pages you request) can be sent to you.
Sharing and Selling Information
We do not share, sell, lend or lease any of the information that uniquely identify a subscriber (such as email addresses or personal details) with anyone except to the extent it is necessary to process transactions or provide services that you have requested.
How Can You Access and Correct Your Information?
You may request access to all your personally identifiable information that we collect online and maintain in our database by emailing us at email@example.com
What About Legally Compelled Disclosure of Information?
We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights. We may also disclose account information when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Service or to protect the safety of our users and the Public.
What About Other Web Sites Linked to Our Web Site?
We are not responsible for the practices employed by Web sites linked to or from our Web site or the information or content contained therein. Often links to other Web sites are provided solely as pointers to information on topics that may be useful to the users of our Web site.
Our Commitment to Data Security:
Please note that your information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your Country of residence or citizenship. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.
This site allows visitors to unsubscribe so that they will not receive future messages. After unsubscribing we will discontinue sending the particular messages as soon as technically feasible.
Surveys & Contests
From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will
be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.
A Special Note About Children
Children are not eligible to use our services unsupervised and we ask that children (under the age of 18) do not submit any personal information to us. If you are a minor, you can use this service only in conjunction with permission and guidance from your parents or guardians.
Acquisition or Changes in Ownership
In the event that the web site (or a substantial portion of its assets) is acquired, your information would be considered part of those assets, and may be part of those assets that are transferred.
Changes to the Terms
The Credit Mastermind reserves the right to add, delete or modify any part of the above Terms of Service, at any time, without further notice, and at its own discretion. You may always access a current version of the The Credit Mastermind Terms of
Service at http://www.thecreditmastermind.com/terms-of-service
Copyright The Credit Mastermind a company of the The Credit Secrets LLC Partnership