Before viewing any content on this website you must agree to the terms.

If you disagree with any of the terms, do not use this website.

A Privacy Policy is part of the terms.

A Disclaimer is part of the terms.


From time to time the terms of this policy may change.  If changes are made, we will notify you by email or a notice posted on our update page explaining the changes that have been made.  If you disagree with the changes that have been made, you should not use our website.

We may terminate these terms and conditions of use for any reason and at any time without notice to you.

If you are concerned about these terms and conditions of use, you should read them each time before you use our website.

Content Ownership

All content on our website is owned by us or our content suppliers. On behalf of ourselves and our content suppliers, we claim all property rights, including intellectual property rights, for this content and you are not allowed to infringe upon those rights. We will prosecute to the fullest extent of the law anyone who attempts to steal our property.

You agree not to copy content from our website without our permission.

Privacy Policy

From time to time we may send email communications to you.  If you agree to accept these emails you may “unsubscribe” at any time.  Please do not ever report us as spam because we are happy to stop sending email to you if you “unsubscribe.”

We will never rent, share, or sell your private information including your email address.

By visiting our website, you accept and agree to the terms and conditions of this privacy policy.  You consent to our collection and use of your personal information as described in this privacy policy.


We do not provide services or sell products to minors as defined by law. If you are under 18 years of age, you may use our website only with the permission of a parent or legal guardian. If you are a minor, please do not provide us with any personal information.

Information We May Collect

By visiting our website you automatically tell us certain information. This includes basic information like your IP address, when you visited, the website that led you to us, your computer’s operating system, and the type of web browser that you are using. Our website automatically records this basic information.

Like most websites, we may use cookies.  This information can be used to track your visit on our website. Cookies can also be used to customize the website content for each visit. Most internet browsers allow you to be notifed and/or delete cookies when they are placed.

Transactions between you and our website may involve payment by credit card, debit card, checks, money orders, and/or third party online payment services. In such transactions, we will collect information related to the transaction including your billing address, telephone number, and other information related to the transaction.

Your Information

We use your information to operate our website’s business activities. For example, we may use this data to contact you about changes to our website, new services, or special offers, resolve disputes, troubleshoot issues, and enforce our website’s terms and conditions.

We may, in our sole discretion, provide information about you to law enforcement or other government officials for purposes of fraud investigations, alleged intellectual property infringement, or any other suspected illegal activity or alleged activity.


Access to parts of our website may be protected by a user name and a password. Do not give your password to anyone.  If you are caught sharing our protected information you may be liable for damages.


We may use autoresponders to communicate with you by e-mail.  You may opt-out communications using the links contained in each autoresponder message. However, you may miss out on critical updates.  If you have difficulties opting out, you may contact us by sending an e-mail to info[at]howtotakecharge.com.

Changes To Policy

From time to time the terms of this policy may change.  If changes are made, we will notify you by email or a notice posted on our update page explaining the changes that have been made.

If you have any concerns about this policy, you should read it each time before you use our website. If you have any questions or concerns about this policy send an e-mail to info[at]howtotakecharge.com


The author and publisher of  the accompanying materials have used their best efforts in preparing this material. The author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The information contained on this site is strictly for educational purposes. Therefore, if you wish to apply ideas contained on this site, you are taking full responsibility for your actions.

The author and publisher disclaim any warranties (express or implied), merchantability, or fitness for any particular purpose. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is”, and without warranties.

As always, the advice of a competent legal, tax, accounting or other professional should be sought. The author and publisher do not warrant the performance, effectiveness or applicability of any sites listed or linked to from this site. All links are for information purposes only and are not warranted for content, accuracy or any other implied or explicit purpose.

Earnings Disclaimer

Any earnings mentioned on this site are for informational purposes and may not represent the typical earnings.  Your potential earnings depends on your abilities, effort, willingness to learn, and a variety of other factors.  You may not earn anything at all.

Compensation Disclaimer

On occasion, I will promote, endorse, or suggest products and/or services for sale.  My recommendations are ALWAYS based on my belief that the product/service will be an excellent value based on a review of that product, my relationship with that person or company, and or a positive experience with the person or company’s 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.  Please do your OWN due-diligence before making any purchases.