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Terms of Sale, Disclaimer & Release MAREI (hereafter "Association"), does not render legal, tax, economic or investment advice. All programs are provided with the understanding that Association is not engaged in rendering legal, tax, or other professional services. If legal, tax or other expert assistance is required, the services of a competent professional should be sought. Product Return Policy We offer a 3 day money-back guarantee on all books, CDs and home-study products, less a 10% restocking &handling fee. THERE ARE NO REFUNDS ON SHIPPING, SOFTWARE OR LEGAL FORMS (including forms CDs included in a home study package). Any request for a return must be made IN WRITING via confirmed email within three (3) calendar days from purchase. All returns must include the actual product in resalable condition with the forms CD seal unbroken. All packages must be sent back Return Receipt through the U.S. postal system or signature required through a recognized carrier (i.e. FedEx, UPS, DHL, etc.) within TEN (10) DAYS of the issuance of an RMA. Association is not responsible, and will not issue a credit for any returned package lost in shipping and/or not received with 10 calendar days of the issued RMA. The customer is responsible for all shipping costs in returning the product. It is your responsibility to package the product well to avoid damage during shipping. The refund on an authorized return will be issued within 7 business days of receipt of the authorized returned product. No refund will be issued, regardless of receipt, on any unauthorized return. Copyright Notice, Terms of Use & License All of our materials are protected under federal and state copyright laws. You may not make copies of any of the books, forms CDs, audio files, e-books, legal forms, video or audio CDs, except for your own personal use. All materials you buy are licensed (or, in the case of other author's works, sublicensed) to End Users and not sold, notwithstanding use of the terms "sell," "purchase," "order," or "buy" on the Site. Your license is nonexclusive, nontransferable, nonsublicensable, limited and for use only for you, the end user, and you ONLY. That means YOU CANNOT SELL, TRADE, COPY, ASSIGN, LEASE or LICENSE YOUR RIGHTS IN THESE MATERIALS. Earnings Disclaimer Every effort has been made to accurately represent our products and their potential. There is no guarantee that you will earn any money using the techniques and ideas in these materials. Examples in these materials are not to be interpreted as a promise or guarantee of earnings. Earning potential is entirely dependent on the person using our product, ideas and techniques. We do not purport this as a "get rich scheme." Your level of success in attaining the results claimed in our materials depends on the time you devote to the programs, ideas and techniques mentioned, your finances, knowledge and various skills. Since these factors differ according to individuals, we cannot guarantee your success or income level. Nor are we responsible for any of your actions. Legal Disclaimer Every effort has been made to comply with federal, state and local laws regarding the material presented or the legal forms included with the materials. We make no representations or guarantees that the materials or forms you purchase will work for your particular needs, and we disclaim any warranties, express, implied or for any particular purpose you may need. You understand that all legal forms are provided for example only and that it is strongly advised that you seek legal counsel to review any form to make certain it is applicable to your situation and is properly filled out. It is also advised that you review the potential financial and tax implications of any transaction with a qualified professional before proceeding.