1- DISCLAIMERS FRANCINE TONE & ASSOCIATES, LLC

DISCLAIMERS [Effective Date: December 15, 2018] The following DISCLAIMERS are made by Francine Tone & Associates, LLC, its managers, owners (including, but not limited to Francine Tone), officers, directors, employees, subsidiaries, affiliates, licensors, service providers, representatives and agents [hereinafter referred to as “the LLC”].

A Contractual Relationship Does Not Exist. This website is designed for

general information only and nothing on this website constitutes personal, business, legal, or financial advice. Your reading any information on this website, or acting on any information, or communicating with the LLC through this website does not create a contractual relationship with you. Nor does reading information on this website or communicating with the LLC through this website guarantee that the LLC will agree to work with you in any respect. Nothing contained on this website is a guarantee, warranty or prediction of any outcome for any particular matter.

Legal Disclaimer. This website is provided as a resource for general information.

The information on these web pages is not intended to serve as legal, financial, business or personal advice or as a guarantee, warranty or prediction regarding the outcome of any particular legal, financial, business or personal matter. The information on these web pages is subject to change at any time and may be incomplete and/or may contain errors. You should not rely on these pages without first consulting a qualified attorney, financial advisor, business consultant or personal consultant.

Third Party Links. The website may contain links to third-party web sites. These

links are provided solely for convenience and reference. The LLC is not responsible for, nor does it guarantee, control or monitor, the accuracy of any information on linked third-party sites. Links provided on this website should not be construed as a recommendation or endorsement by the LLC of any product, service or information offered on the linked site.

No Liability. In no event shall the LLC be liable for any damages whatsoever,

including, without limitation, incidental and consequential damages, lost profits or damages resulting from the availability, use, reliance on or inability to use this website, or lost data or business interruption arising from use of or inability to use this website, whether based on warranty, contract, tort or any other legal theory, and whether or not the LLC is advised of the possibility of such damages.

You agree to defend, indemnify and hold harmless, the LLC from and against any claims, actions and demands, including, without limitation, reasonable legal and accounting fees resulting from your use of the material on this website.

2- DISCLAIMERS FRANCINE TONE & ASSOCIATES, LLC

Contact Disclaimer. Information communicated through this website is not

confidential and will not be protected under privilege or confidentiality rules, except as specifically set forth the Privacy Policy found on this website.

Testimonial Disclaimer. Testimonials or endorsements found on this website

do not constitute a guarantee, warranty, or prediction regarding the outcome.

Earnings & Results Disclaimer. Every effort has been made to accurately

represent all products and services on this site. There is no guarantee that you will get specific results by following the ideas in materials found on this site. Examples in these materials are not to be interpreted as a promise or guarantee. Your level of success in attaining the results claimed in the materials depends on several factors, such as your background, motivation, commitment, and actions. Since these factors differ according to individuals we cannot guarantee your success, nor are we responsible for any of your actions. Results may vary.

Not a Financial Advisor. The LLC is NOT an investment advisory service, NOT an

investment advisor, and does NOT serve as a financial advisor or provide personalized financial advice in any way. Furthermore, the services, strategies, information, and/or products offered by the LLC on this web site, through any membership program, and/or elsewhere are not to be interpreted as a promise or guarantee of earnings or any specific result.

The education and information presented by the LLC is intended for a general audience

and does not purport to be, nor should it be construed as, specific financial, legal, or

other advice tailored to any individual. You are encouraged to discuss any opportunities

with your attorney, accountant, financial professional, or other advisor.

In fact, your personal level of success in attaining the results from using our information,

strategies, and/or products totally depends upon your own individual circumstances, the

effort you devote to your own financial success, the ideas and techniques used, your

finances, the various strategies that your financial, legal, and other advisors may have

suggested that you implement, your knowledge, and various other skills. Since these

factors differ among each individual, we cannot guarantee your success or income

level, nor are we responsible for any of your actions.

Any and all forward-looking statements on this web site, membership program, and/or in

any of our products are intended to express our opinion of the earnings potential that

some people may achieve. To the extent that we included any case studies or

testimonials on this site, you can assume that none of these stories in any way

represent the “average” or “typical” customer experience.

3- DISCLAIMERS FRANCINE TONE & ASSOCIATES, LLC

The LLC may derive fees or other compensation as a result of purchases from service

providers or vendors that are recommended, from time to time, from this site and/or

membership program.

YOU FULLY AGREE AND UNDERSTAND THAT THE LLC IS NOT RESPONSIBLE

FOR YOUR SUCCESS OR FAILURE AND MAKES NO REPRESENTATIONS OR

WARRANTIES OF ANY KIND WHATSOEVER THAT OUR PRODUCTS OR

SERVICES WILL PRODUCE ANY PARTICULAR RESULT FOR YOU.

YOUR USE OF THE INFORMATION CONTAINED ON THIS WEB SITE AND/OR

MEMBERSHIP PROGRAM IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED

‘AS IS’ AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR

IMPLIED. THE LLC DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED

TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A

PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. THE LLC DOES NOT

PROMISE OR GUARANTEE ANY INCOME OR PARTICULAR RESULT FROM YOUR

USE OF THE INFORMATION CONTAINED ON THIS WEB SITE AND/OR

MEMBERSHIP PROGRAM. THE LLC ASSUMES NO LIABILITY OR RESPONSIBILITY

FOR ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED ON THIS WEB

SITE AND/OR MEMBERSHIP PROGRAM.

THE LLC WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT,

PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER

DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF REVENUE OR INCOME,

PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF

THE LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO

EVENT WILL THE COLLECTIVE LIABILITY OF THE LLC TO ANY PARTY

(REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR

OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE

PAID TO THE LLC FOR THE INFORMATION, PRODUCT OR SERVICE OUT OF

WHICH LIABILITY AROSE.

UNDER NO CIRCUMSTANCES WILL THE LLC BE LIABLE FOR ANY LOSS OR

DAMAGE CAUSED BY YOUR RELIANCE ON THE INFORMATION CONTAINED ON

THIS WEB SITE AND/OR MEMBERSHIP PROGRAM. IT IS YOUR RESPONSIBILITY

TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY

INFORMATION, OPINION, ADVICE OR OTHER CONTENT CONTAINED ON THIS

WEB SITE AND/OR MEMBERSHIP PROGRAM. PLEASE SEEK THE ADVICE OF

PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY

SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT.