BY USING ANY WEBSITES OR ELECTRONIC SERVICES OFFERED BY BUSINESS TOOLIGANS. (THE “SERVICE(S)”), OR BY ELECTRONICALLY REGISTERING WITH BUSINESSTOOLIGANS.COM, YOU ARE HEREBY AGREEING TO THESE TERMS OF SERVICE (THE “TERMS”) AND ANY TERMS INCORPORATED HEREIN BY SPECIFIC REFERENCE.

TERMS OF SERVICE

The inclusion of an ad in ETR does not constitute an explicit endorsement. It does mean that as far as we know the product is not a rip-off. When we really like a product and want you to buy it we’ll tell you explicitly. Otherwise, view these ads the way you would commercials on TV or display ads in the back of your favorite magazine. Check them out. Make a decision. If you don’t like it, ask for a refund. (All products sold here will carry refunds.)

Nothing in the e-mails we send should be considered personalized investment advice or health advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed as personalized investment advice or health advice.

MODIFICATION OF TERMS AND SERVICES

BUSINESS TOOLIGANS reserves the right to modify these Terms from time to time. The modified Terms will be posted on this page. You agree to check our website for updates.  You agree that your use of the Services after such a change will be deemed full and adequate acceptance of the modified Terms. BUSINESS TOOLIGANS also reserves the right to modify, discontinue or make temporarily unavailable the Services and that any new or modified features, unless explicitly stated otherwise are subject to these Terms.

ENTIRE AGREEMENT

You acknowledge that these Terms with the included Privacy Statement constitute the entire agreement between you and BUSINESS TOOLIGANS. You agree that these terms supersede any prior agreements or statements made verbally or in writing.

SEVERABILITY

You agree that if any term in this agreement is deemed to be invalid, unlawful or unenforceable for any reason, all other terms shall remain in force.

GOVERNING LAW

These Terms will be governed by California and United States law.

TERM AND TERMINATION

You agree that this agreement shall remain in effect for as long as you subscribe to, renew, or use the Services. You agree that this agreement can only be terminated by you once you have stopped using the Services and have paid all monies owed to BUSINESS TOOLIGANS. You agree that BUSINESS TOOLIGANS can terminate this agreement at any time for any reason, with or without cause or if it has reason to believe that you are violating the Terms in any way. Re-subscription shall again be subject to these or modified Terms in effect at the time of re-subscription.