TERMS OF USE

FIAASAP.COM IS BUILT ON THE CLICKFUNNELS PLATFORM AND INTEGRATES WITH THE CALENDLY.COM CALENDAR PLATFORM AS WELL AS THE MAILCHIMP EMAIL PLATFORM. THESE PLATFORMS ARE NECESSARY IN ORDER TO SERVE WEB VISITORS THE WEBSITE INFORMATION AND FUNCTIONALITY. PERSONAL INFORMATION PROVIDED IS COLLECTED IN PARTNERSHIP AND EXCLUSIVELY FOR BY IKNOWMYMONEY IN ASSOCATIONS WITH SHIRLEY LUU & ASSOCIATES AND IS NOT SOLD OR DISTRIBUTED TO ANY OTHER 3RD PARTY, FINANCIAL OR OTHERWISE, UNLESS PURELY FOR DATABASE STORAGE OR AS NECESSARY FOR REQUIRED SUBSCRIBED COMMUNICATIONS (EMAIL OR PHONE) AND PERFORMANCE AND IN PARTICULAR, IN THE COLLECTION OF SUBSCRIBER INFORMATION AND EXECUTION OF APPOINTMENT BOOKINGS.

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE. ALL USERS OF THIS SITE AGREE THAT ACCESS TO AND USE OF THIS SITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS AND OTHER APPLICABLE LAW. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, PLEASE DO NOT USE THIS SITE.

DISCLAIMER

     THIS WEBSITE IS INTENDED TO PROVIDE INFORMATION THAT THE AUTHOR BELIEVES TO BE ACCURATE, BUT IT IS PRESENTED WITH THE UNDERSTANDING THAT NEITHER THE AUTHOR, NOR EDITORS, NOR THE PUBLISHER IS OFFERING INDIVIDUALIZED ADVICE SPECIFIC TO ANY INDIVIDUAL’S FINANCIAL PORTFOLIO OR INDIVIDUAL FINANCIAL NEEDS OR OTHER FINANCIALLY RELATED PROFESSIONAL ADVICE SUCH AS LEGAL, TAX, INSURANCE, OR ACCOUNTING RELATED. SEEK PROFESSIONAL ADVICE WHEN DEALING WITH FINANCIAL ISSUES OR WHEN ASSESSING THE SUITABILITY OF ANY PRODUCT YOU MAY BE CONSIDERING.

     ALL ILLUSTRATIONS AND CHARTS ARE FOR EDUCATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AN ENDORSEMENT OR ADVICE TO ACQUIRE, LIQUIDATE, BUY, OR SELL ANY SPECIFIC FINANCIAL PRODUCT, INSURANCE, OR RETIREMENT/SAVINGS PLAN. ANY DATA, STATISTICS, OR CONSTRUED FACTS ARE PRESENTED WITH THE AUTHOR’S BELIEF THEY ARE ACCURATE AS OF THE DATE OF THIS PUBLICATION AND IN ACCORD WITH THE CURRENT APPLICABLE LAWS. AS WITH ANY INVESTMENT DECISION, PAST RESULTS DO NOT GUARANTEE FUTURE PERFORMANCE. ADDITIONALLY, LAWS THAT GOVERN SECURITIES AND INSURANCE PRODUCTS ARE SUBJECT TO CHANGE AND, THEREFORE, ANY CHANGES IN LAW COULD RENDER THE INFORMATION PRESENTED IN THIS WEBSITE AS OUTDATED OR NO LONGER ACCURATE OR APPLICABLE AS IT IS CURRENTLY PRESENTED IN THIS WEBSITE’S EDITION.

     THIS WEBSITE IS NOT INTENDED TO SERVE AS THE BASIS FOR ANY FINANCIAL DECISION OR AS A RECOMMENDATION FOR A SPECIFIC PRODUCT OR FINANCIAL ADVISOR. NO WARRANTY IS MADE WITH RESPECT TO THE ACCURACY OR COMPLETENESS OF THE INFORMATION CONTAINED HEREIN, AND THE AUTHOR, EDITORS, AND PUBLISHER SPECIFICALLY DISCLAIM ANY RESPONSIBILITY FOR ANY LIABILITY, LOSS, OR RISK, PERSONAL OR OTHERWISE, WHICH IS INCURRED AS A CONSEQUENCE, DIRECTLY OR INDIRECTLY, OF THE USE AND APPLICATION OF ANY OF THE CONTENTS OF THIS WEBSITE

FAMILY FRIENDLY CONTENT

IULASAP.COM IS A FAMILY FRIENDLY SITE, AND WE DO NOT ACCEPT OR ALLOW THE FOLLOWING TYPES OF SITES INTO OUR PROGRAM: GAMBLING, ADULT CONTENT (PORN, SOFT PORN, SITES WITH ADULT AD'S), PHARMACY (CHEAP DRUGS, VIAGRA, MALE/FEMALE ENHANCEMENT, ETC.), HATE, LINK FARMS OR SPAM SITES.

EMAIL OPTIN POLICY

WHEN SUBSCRIBING ON ANY PAGE IULASAP.COM YOU WILL BE OPTED IN TO RECEIVE WEEKLY EMAIL UPDATES. YOU MAY UNSUBSCRIBE AT ANYTIME BY CLICKING ON THE "MODIFY YOUR SUBSCRIPTION" LINK AT THE BOTTOM OF ANY EMAIL SENT.

COPYRIGHT

THE ENTIRE CONTENT INCLUDED IN THIS SITE, INCLUDING BUT NOT LIMITED TO TEXT, GRAPHICS OR CODE IS COPYRIGHTED AS A COLLECTIVE WORK UNDER THE UNITED STATES AND OTHER COPYRIGHT LAWS, AND IS THE PROPERTY OF IULASAP.COM. THE COLLECTIVE WORK INCLUDES WORKS THAT ARE LICENSED TO IULASAP.COM. COPYRIGHT 2009, IULASAP.COM ALL RIGHTS RESERVED. PERMISSION IS GRANTED TO ELECTRONICALLY COPY AND PRINT HARD COPY PORTIONS OF THIS SITE FOR THE SOLE PURPOSE OF PLACING AN ORDER WITH IULASAP.COM OR PURCHASING IULASAP.COM PRODUCTS. ANY OTHER USE, INCLUDING BUT NOT LIMITED TO THE REPRODUCTION, DISTRIBUTION, DISPLAY OR TRANSMISSION OF THE CONTENT OF THIS SITE IS STRICTLY PROHIBITED, UNLESS AUTHORIZED BY IULASAP.COM. YOU FURTHER AGREE NOT TO CHANGE OR DELETE ANY PROPRIETARY NOTICES FROM MATERIALS DOWNLOADED FROM THE SITE.

TRADEMARKS

ALL TRADEMARKS, SERVICE MARKS AND TRADE NAMES OF IULASAP.COM USED IN THE SITE ARE TRADEMARKS OR REGISTERED TRADEMARKS OF IULASAP.COM.

WARRANTY DISCLAIMER

THIS SITE AND THE MATERIALS AND PRODUCTS ON THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, IULASAP.COM DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. IULASAP.COM DOES NOT REPRESENT OR WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT THE DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. IULASAP.COM DOES NOT MAKE ANY WARRANTEES OR REPRESENTATIONS REGARDING THE USE OF THE MATERIALS IN THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, ADEQUACY, USEFULNESS, TIMELINESS, RELIABILITY OR OTHERWISE. SOME STATES DO NOT PERMIT LIMITATIONS OR EXCLUSIONS ON WARRANTIES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY

IULASAP.COM SHALL NOT BE LIABLE FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SERVICES AND PRODUCTS OFFERED ON THIS SITE, OR THE PERFORMANCE OF THE SERVICES AND PRODUCTS.

TERM; TERMINATION

THESE TERMS AND CONDITIONS ARE APPLICABLE TO YOU UPON YOUR ACCESSING THE SITE AND/OR COMPLETING THE REGISTRATION OR SHOPPING PROCESS. THESE TERMS AND CONDITIONS, OR ANY PART OF THEM, MAY BE TERMINATED BY IULASAP.COM WITHOUT NOTICE AT ANY TIME, FOR ANY REASON. THE PROVISIONS RELATING TO COPYRIGHTS, TRADEMARK, DISCLAIMER, LIMITATION OF LIABILITY, INDEMNIFICATION AND MISCELLANEOUS, SHALL SURVIVE ANY TERMINATION.

NOTICE

IULASAP.COM MAY DELIVER NOTICE TO YOU BY MEANS OF E-MAIL, A GENERAL NOTICE ON THE SITE, OR BY OTHER RELIABLE METHOD TO THE ADDRESS YOU HAVE PROVIDED TO IULASAP.COM.

GUARANTEES

IULASAP.COM OFFERS THE FOLLOWING GUARANTEE. IF YOU PURCHASE THE IULASAP.COM COURSE AND FOR SOME REASON YOU DECIDE THAT YOU WOULD LIKE A REFUND, YOU HAVE 30 DAYS TO REQUEST A REFUND. IF YOU REQUEST A REFUND WITHIN 30 DAYS FROM THE DATE OF PURCHASE, IULASAP.COM WILL GIVE YOU A FULL REFUND OF YOUR PURCHASE PRICE FOR THE COURSE. IF YOU DO NOT REQUEST A REFUND WITHIN THE 30 DAY REFUND PERIOD, YOU FORFEIT THIS OPTION AND WILL NOT BE ELIGIBLE FOR A REFUND. WE DO NOT OFFER REFUNDS ON ANY ADDITIONAL SERVICES THAT YOU MAY PURCHASE IN THE MEMBERS AREA ONCE YOU ARE A MEMBER.

MISCELLANEOUS

YOUR USE OF THIS SITE SHALL BE GOVERNED IN ALL RESPECTS BY THE LAWS OF THE STATE OF UTAH, U.S.A., WITHOUT REGARD TO CHOICE OF LAW PROVISIONS, AND NOT BY THE 1980 U.N. CONVENTION ON CONTRACTS FOR THE INTERNATIONAL SALE OF GOODS. YOU AGREE THAT JURISDICTION OVER AND VENUE IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS SITE (INCLUDING BUT NOT LIMITED TO THE PURCHASE OF IULASAP.COM PRODUCTS OR SERVICES) SHALL BE IN THE STATE OR FEDERAL COURTS LOCATED IN WEBER COUNTY, UTAH. ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE WITH RESPECT TO THE SITE (INCLUDING BUT NOT LIMITED TO THE PURCHASE OF IULASAP.COM PRODUCTS) MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CLAIM OR CAUSE OF ACTION ARISES. IULASAP.COM'S FAILURE TO INSIST UPON OR ENFORCE STRICT PERFORMANCE OF ANY PROVISION OF THESE TERMS AND CONDITIONS SHALL NOT BE CONSTRUED AS A WAIVER OF ANY PROVISION OR RIGHT. NEITHER THE COURSE OF CONDUCT BETWEEN THE PARTIES NOR TRADE PRACTICE SHALL ACT TO MODIFY ANY OF THESE TERMS AND CONDITIONS. IULASAP.COM MAY ASSIGN ITS RIGHTS AND DUTIES UNDER THIS AGREEMENT TO ANY PARTY AT ANY TIME WITHOUT NOTICE TO YOU.

USE OF SITE

HARASSMENT IN ANY MANNER OR FORM ON THE SITE, INCLUDING VIA E-MAIL, CHAT, OR BY USE OF OBSCENE OR ABUSIVE LANGUAGE, IS STRICTLY FORBIDDEN. IMPERSONATION OF OTHERS, INCLUDING A IULASAP.COM OR OTHER LICENSED EMPLOYEE, HOST, OR REPRESENTATIVE, AS WELL AS OTHER MEMBERS OR VISITORS ON THE SITE IS PROHIBITED. YOU MAY NOT UPLOAD TO, DISTRIBUTE, OR OTHERWISE PUBLISH THROUGH THE SITE ANY CONTENT WHICH IS LIBELOUS, DEFAMATORY, OBSCENE, THREATENING, INVASIVE OF PRIVACY OR PUBLICITY RIGHTS, ABUSIVE, ILLEGAL, OR OTHERWISE OBJECTIONABLE WHICH MAY CONSTITUTE OR ENCOURAGE A CRIMINAL OFFENSE, VIOLATE THE RIGHTS OF ANY PARTY OR WHICH MAY OTHERWISE GIVE RISE TO LIABILITY OR VIOLATE ANY LAW. YOU MAY NOT UPLOAD COMMERCIAL CONTENT ON THE SITE OR USE THE SITE TO SOLICIT OTHERS TO JOIN OR BECOME MEMBERS OF ANY OTHER COMMERCIAL ONLINE SERVICE OR OTHER ORGANIZATION.

PARTICIPATION DISCLAIMER

IULASAP.COM DOES NOT AND CANNOT REVIEW ALL COMMUNICATIONS AND MATERIALS POSTED TO OR CREATED BY USERS ACCESSING THE SITE, AND IS NOT IN ANY MANNER RESPONSIBLE FOR THE CONTENT OF THESE COMMUNICATIONS AND MATERIALS. YOU ACKNOWLEDGE THAT BY PROVIDING YOU WITH THE ABILITY TO VIEW AND DISTRIBUTE USER-GENERATED CONTENT ON THE SITE, IULASAP.COM IS MERELY ACTING AS A PASSIVE CONDUIT FOR SUCH DISTRIBUTION AND IS NOT UNDERTAKING ANY OBLIGATION OR LIABILITY RELATING TO ANY CONTENTS OR ACTIVITIES ON THE SITE. HOWEVER, IULASAP.COM RESERVES THE RIGHT TO BLOCK OR REMOVE COMMUNICATIONS OR MATERIALS THAT IT DETERMINES TO BE (A) ABUSIVE, DEFAMATORY, OR OBSCENE, (B) FRAUDULENT, DECEPTIVE, OR MISLEADING, (C) IN VIOLATION OF A COPYRIGHT, TRADEMARK OR; OTHER INTELLECTUAL PROPERTY RIGHT OF ANOTHER OR (D) OFFENSIVE OR OTHERWISE UNACCEPTABLE TO IULASAP.COM IN ITS SOLE DISCRETION.

INDEMNIFICATION

YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS IULASAP.COM, SHIRLEY LUU, EDITORS, PUBLISHERS, SHIRLEY LUU & ASSOCIATES, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS AND SUPPLIERS (COLLECTIVELY THE "SERVICE PROVIDERS") FROM AND AGAINST ALL LOSSES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEYS' FEES, RESULTING FROM ANY VIOLATION OF THESE TERMS AND CONDITIONS OR ANY ACTIVITY RELATED TO YOUR ACCOUNT (INCLUDING NEGLIGENT OR WRONGFUL CONDUCT) BY YOU OR ANY OTHER PERSON ACCESSING THE SITE USING YOUR INTERNET ACCOUNT.

THIRD-PARTY LINKS

IN AN ATTEMPT TO PROVIDE INCREASED VALUE TO OUR VISITORS, IULASAP.COM MAY LINK TO SITES OPERATED BY THIRD PARTIES. HOWEVER, EVEN IF THE THIRD PARTY IS AFFILIATED WITH IULASAP.COM, IULASAP.COM HAS NO CONTROL OVER THESE LINKED SITES, ALL OF WHICH HAVE SEPARATE PRIVACY AND DATA COLLECTION PRACTICES, INDEPENDENT OF IULASAP.COM. THESE LINKED SITES ARE ONLY FOR YOUR CONVENIENCE AND THEREFORE YOU ACCESS THEM AT YOUR OWN RISK. NONETHELESS, IULASAP.COM SEEKS TO PROTECT THE INTEGRITY OF ITS WEB SITE AND THE LINKS PLACED UPON IT AND THEREFORE REQUESTS ANY FEEDBACK ON NOT ONLY ITS OWN SITE, BUT FOR SITES IT LINKS TO AS WELL (INCLUDING IF A SPECIFIC LINK DOES NOT WORK).