EARNINGS, RISK, LIABILITY, AND PARTICIPATION DISCLAIMERS

Listen, we are all adults. This program, like all other programs, products, services, consulting, coaching, events, materials, and content we offer, is not for the faint-hearted. If you do not believe in this program, do not understand the nature of business risk, or do not agree that coaching, consulting, education, strategy, and business growth inherently involve uncertainty, judgment calls, and potential loss, then you should not purchase anything we offer and should leave this site immediately.

By purchasing, accessing, downloading, attending, or participating in any program, product, service, consulting relationship, coaching engagement, live event, digital material, or other offering provided by the Company, you expressly acknowledge, understand, and agree that you are voluntarily assuming all risks associated with your participation. These risks include, without limitation, financial loss, opportunity cost, implementation failure, strategic error, reliance on your own judgment, market changes, economic conditions, regulatory changes, and the actions or inactions of third parties. You agree that these risks exist whether known or unknown, foreseeable or unforeseeable, disclosed or undisclosed, and whether arising now or in the future.

You understand and agree that we are not promising, guaranteeing, or representing that you will earn any money, achieve any specific outcome, increase revenue, grow your business, improve performance, or obtain any particular result. Depending on numerous factors beyond our control, including but not limited to your experience, effort, execution, resources, decision-making, industry, timing, competition, and economic forces, you may experience no benefit at all and may incur losses, including the loss of amounts paid to us and additional business or operational expenses.

The only commitment we make is that we may share educational, informational, and experiential content based on our opinions. You understand and agree that this content is not tailored to your specific circumstances and that you are solely responsible for evaluating, implementing, or rejecting any information provided. You acknowledge that any strategies, tactics, frameworks, or examples discussed are generalized in nature and do not create any advisory, fiduciary, or duty-of-care relationship.

With that said, please bear with us and read the below very carefully as your participation in any program with us requires that you agree to the following.

Read the below and proceed at your own risk.

DEFINITION OF COMPANY AND PROTECTED PARTIES

ANY AND ALL PROGRAMS, PRODUCTS, SERVICES, EVENTS, MATERIALS, AND CONTENT REFERENCED ON THIS WEBSITE OR IN THIS DOCUMENT, INCLUDING BUT NOT LIMITED TO ANY AND ALL OF CHRIS GUERRIERO'S BUSINESS COACHING PROGRAMS ARE OFFERED BY AND THROUGH ONE OR MORE OF THE FOLLOWING ENTITIES, COLLECTIVELY AND INDIVIDUALLY DEFINED AS THE “COMPANY”:

Wisdom Books Holdings, LLC
Total Online Media, LLC
Advanced Business Growth, LLC

Any reference to Chris Guerriero is made solely in his capacity as a speaker, educator, and brand representative of the Company, and not in any individual, personal, fiduciary, managerial, ownership, or advisory capacity, and no personal liability, obligation, or duty of care is created or implied by such reference.

For purposes of all disclaimers, releases, waivers, limitations of liability, indemnification obligations, arbitration provisions, claim limitations, and risk allocations contained herein, the term “Company” shall also include any parent company, holding company, subsidiary, affiliate, related entity, predecessor, successor, or assign, whether now existing or formed in the future, together with all of their respective owners, members, partners, managers, officers, directors, employees, contractors, consultants, speakers, vendors, licensors, investors, representatives, and agents, in any capacity.

References to the Company are made solely for purposes of defining protected parties. No entity assumes the obligations or liabilities of any other entity by virtue of being referenced herein. No partnership, joint venture, agency, fiduciary, employment, or representative relationship is created between you and the Company or among any of the Company entities.

IN THESE DISCLAIMERS, THE WORDS “WE,” “US,” AND “OUR” REFER INDIVIDUALLY AND COLLECTIVELY TO THE COMPANY. THE WORDS “YOU,” “YOUR,” AND “YOURS” REFER TO YOU, YOUR BUSINESS, AND ANY ENTITY OR PERSON ON WHOSE BEHALF YOU ARE ACTING.

You understand and agree that there are important risk factors that should be considered by you when deciding whether to purchase products or services sold on this website or from the presentation(s) regarding products and services sold on this website, or from live events.

Our goal is clear and prominent disclosure. If you do not understand any part of these disclaimers, please ask us to explain it to you immediately by sending an email to support at totalonlinemedia.com (replacing the "(at)" with the "@" symbol and removing the spaces) with your question and waiting for an answer before purchasing or pursuing a product or service from this website. Any request for clarification does not extend, toll, suspend, or modify any time frame, claim limitation, arbitration requirement, or liability cap detailed in this document.

If you do not want to use email, you may also mail your questions to us. Mailing questions does not extend or nullify any time frame detailed in this document.

4095 S. State Road 7
Suite L-122
Lake Worth, Florida 33449 USA

All content is provided solely for educational and informational purposes and does not constitute business, legal, financial, tax, accounting, investment, or professional advice of any kind.

Without limiting the foregoing, the Company does not provide investment advice, securities advice, valuation advice, suitability determinations, or regulated advisory services of any kind, and does not act as a fiduciary, broker, advisor, agent, or representative in any capacity.

FOR SERIOUS BUSINESS OWNERS ONLY – NOT CONSUMERS OR HOBBYISTS

PRODUCTS AND SERVICES OFFERED FOR SALE ON THIS WEBSITE OR IN THE PRESENTATION REGARDING PRODUCTS AND SERVICES SOLD ON THIS WEBSITE ARE INTENDED FOR PURCHASE AND USE BY BUSINESSES ONLY. WE ARE NOT OFFERING OPPORTUNITIES FOR INDIVIDUAL CONSUMERS. ALL PRODUCTS AND SERVICES ARE SPECIFICALLY DESIGNED FOR USE BY EXISTING BUSINESS OWNERS AND BUSINESS MANAGEMENT. THEY ARE NOT INTENDED FOR, NOR SHOULD THEY BE USED BY, CONSUMERS. IF YOU ARE UNEMPLOYED, AN INDIVIDUAL LOOKING FOR SUPPLEMENTAL INCOME OR A NEW HOBBY, OR ARE A SIMILAR TYPE OF CONSUMER, PLEASE DO NOT PURCHASE PRODUCTS OR SERVICES FROM THIS WEBSITE BECAUSE THEY ARE NOT INTENDED FOR YOUR PERSONAL USE. WE DO NOT SELL GET-RICH-QUICK SCHEMES AND WE DO NOT WANT OUR PRODUCTS AND SERVICES MISTAKEN OR MISUSED FOR SUCH.

If you are an individual, you represent and warrant that you are acting in a business or professional capacity and not for personal, household, family, or consumer purposes. Payment using a personal credit card, personal funds, or a personal name does not alter this classification. To the fullest extent permitted by law, you expressly waive the application of consumer protection statutes that are inconsistent with this representation.

To the extent any consumer protection, mandatory statutory, or local law applies notwithstanding the foregoing representation, such law shall apply only to the minimum extent required, and all remaining disclaimers, waivers, limitations of liability, arbitration provisions, claim limitations, and monetary caps shall remain in full force and effect.

NO EARNINGS PROJECTIONS, PROMISES OR REPRESENTATIONS

YOU RECOGNIZE AND AGREE THAT WE HAVE MADE NO IMPLICATIONS, WARRANTIES, PROMISES, SUGGESTIONS, PROJECTIONS, REPRESENTATIONS OR GUARANTEES WHATSOEVER TO YOU ABOUT FUTURE PROSPECTS OR EARNINGS, OR THAT YOU WILL EARN ANY MONEY, WITH RESPECT TO YOUR PURCHASE OF PRODUCTS OR SERVICES SOLD ON THIS WEBSITE AND THAT WE HAVE NOT AUTHORIZED ANY SUCH PROJECTION, PROMISE, OR REPRESENTATION BY OTHERS. ANY EARNINGS OR INCOME STATEMENTS, OR ANY EARNINGS OR INCOME EXAMPLES, ARE ONLY ESTIMATES OF WHAT WE THINK YOU COULD EARN. THERE IS NO ASSURANCE YOU WILL DO AS WELL AS STATED IN ANY EXAMPLES. IF YOU RELY UPON ANY FIGURES PROVIDED, YOU MUST ACCEPT THE ENTIRE RISK OF NOT DOING AS WELL AS THE INFORMATION PROVIDED. THIS APPLIES WHETHER THE EARNINGS OR INCOME EXAMPLES ARE MONETARY IN NATURE OR PERTAIN TO ADVERTISING CREDITS WHICH MAY BE EARNED WHETHER SUCH CREDITS ARE CONVERTIBLE TO CASH OR NOT. THERE IS NO ASSURANCE THAT ANY PRIOR SUCCESSES OR PAST RESULTS AS TO EARNINGS OR INCOME WHETHER MONETARY OR ADVERTISING CREDITS WHETHER CONVERTIBLE TO CASH OR NOT WILL APPLY, NOR CAN ANY PRIOR SUCCESSES BE USED AS AN INDICATION OF YOUR FUTURE SUCCESS OR RESULTS FROM ANY OF THE INFORMATION, CONTENT, OR STRATEGIES. ANY AND ALL CLAIMS OR REPRESENTATIONS AS TO INCOME OR EARNINGS WHETHER MONETARY OR ADVERTISING CREDITS WHETHER CONVERTIBLE TO CASH OR NOT ARE NOT TO BE CONSIDERED AS AVERAGE EARNINGS. YOU UNDERSTAND THAT PRODUCTS AND SERVICES SOLD ON THIS WEBSITE HAVE NOT BEEN AVAILABLE FOR PURCHASE LONG ENOUGH TO PROVIDE AN ACCURATE EARNINGS HISTORY.

You recognize and agree that we have made no representations, warranties, promises, projections, or guarantees regarding earnings, income, profitability, performance, or results. Any examples, case studies, or statements regarding results are illustrative only, are not typical, and are not promises of future performance.

You agree that you are not relying on any statement, omission, testimonial, example, or representation other than those expressly contained in this written agreement. You expressly waive any claim based on reliance. This non-reliance applies to all marketing content, sales conversations, presentations, videos, emails, written materials, oral statements, and third-party statements, whether made before or after purchase.

THE ECONOMY

The economy, both where you operate your business, and on a national and even worldwide scale, creates additional uncertainty and economic risk. Any economic recession or depression might negatively affect the results produced by products and services sold on this website.

YOUR SUCCESS OR LACK OF IT

Your success in using the information or strategies provided by this website or in the presentation regarding products and services sold on this website depends on a variety of factors. We have no way of knowing how well you will do, as we do not know your business, your background, your work ethic, your dedication, your motivation, your desire, or your business skills or practices. Therefore, we do not guarantee or imply that you will get rich, that your business will become more profitable, that you will do as well, or that you or your business will have any earnings whether monetary or advertising credits whether convertible to cash or not at all. Businesses both online and offline and earnings derived therefrom involve unknown risks and are not suitable for everyone. You may not rely on any information presented on the website or otherwise provided by us unless you do so with the knowledge and understanding that you can experience significant losses including but not limited to the loss of any monies paid to purchase products or services sold on this website and any monies spent setting up, operating, or marketing products or services sold on this website and further that you may have no earnings at all whether monetary or advertising credits whether convertible to cash or not.

FORWARD LOOKING STATEMENTS

MATERIALS CONTAINED ON THIS WEBSITE OR IN MATERIALS PURCHASED AND OR DOWNLOADED FROM THIS WEBSITE MAY CONTAIN INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS WITHIN THE MEANING OF THE SECURITIES LITIGATION REFORM ACT OF 1995. FORWARD-LOOKING STATEMENTS GIVE OUR EXPECTATIONS OR FORECASTS OF FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS SUCH AS ANTICIPATE ESTIMATE EXPECT PROJECT INTEND PLAN BELIEVE AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL EARNINGS OR FINANCIAL PERFORMANCE. ANY AND ALL FORWARD-LOOKING STATEMENTS HERE OR ON ANY MATERIALS ON THE WEBSITE OR IN THE PRESENTATION REGARDING PRODUCTS AND SERVICES SOLD ON THIS WEBSITE ARE INTENDED TO EXPRESS OUR OPINION OF EARNINGS POTENTIAL. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSE IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL.

DUE DILIGENCE

You are advised to do your own due diligence when it comes to making business decisions and should use caution and seek the advice of qualified professionals. You should check with your accountant, lawyer, or professional adviser before acting on this or any information. You may not consider any examples, documents, or other content on the website or otherwise provided by us to be the equivalent of legal advice. Nothing contained on the website or in the presentation regarding products and services sold on this website or in materials available for sale or download on the website provides legal advice in any way. You should consult with your own attorney on any legal questions you may have. We assume no responsibility for any losses or damages resulting from your use of any link, information, or opportunity contained within the website or within any information disclosed by the owner of this site in any form whatsoever. No fiduciary, advisory, partnership, agency, or joint venture relationship is created by your participation.

PURCHASE PRICE

Although we believe the price is fair for the value that you receive, you understand and agree that the purchase price for products and services sold through our company or on this website has been arbitrarily set by us. This price bears no relationship to objective standards. You also understand that what this package includes is all it includes and any additional services, products, programs, or extensions you may wish to access will incur additional charges.

TESTIMONIALS AND EXAMPLES

Testimonials and examples on this website or in the presentation regarding products and services sold on this website are exceptional results, do not reflect the typical purchaser’s experience, do not apply to the average person, and are not intended to represent or guarantee that anyone will achieve the same or similar results. Where specific income or earnings whether monetary or advertising credits whether convertible to cash or not figures are used and attributed to a specific individual or business, that individual or business has earned that amount. Although we take reasonable steps to verify the accuracy of testimonials and examples including financial results, we cannot guarantee accuracy and are not responsible for any inadvertent errors or omissions. There is no assurance that you will do as well using the same information or strategies. If you rely on the specific income or earnings figures used, you must accept all the risk of not doing as well. The described experiences are atypical. Your financial results are likely to differ from those described in the testimonials. You understand that products and services sold on this website have not been available for purchase long enough for us to determine what are typical financial results.

CANCELLATIONS

As a US based company, we are required to advise you of your rights under those laws for Federal and State requirements. You the buyer may cancel this initial Coaching Transaction or Enrollment at any time prior to midnight of the third business day after the date of this transaction. After the third business day there will be no partial or prorated refunds. All monthly paid coaching programs can be cancelled in writing before the first day of the month. Due to time investment, no refunds are ever given on coaching or memberships. All live event tickets are non-refundable with no exceptions. However, if for any reason you are unable to attend, you can request a credit for a future live event. All live event tickets are transferable. No cancellation request, refund inquiry, credit request, or communication of any kind tolls, extends, suspends, or modifies any arbitration deadline or claim limitation set forth herein. Please contact us at support (at) totalonlinemedia.com (replacing the "(at)" with the "@" symbol and removing the spaces) regarding all ticket questions.

MODIFICATIONS AND USER RESPONSIBILITY

We reserve the right in our sole discretion to modify, amend, update, or replace these disclaimers, terms, and conditions at any time without notice. Continued use constitutes acceptance. Any such changes shall be effective immediately upon posting on this website. It is your responsibility to review this page periodically for changes. Your continued use of the website, participation in any program, or purchase of any product or service after changes are posted constitutes your binding acceptance of the revised terms.

ARBITRATION POLICY

All matters pertaining to the Company and or any program or service on this website shall be governed by, construed, and enforced under the laws of the State of Florida, USA. The parties waive trial by court or jury. Any controversy or claim arising out of or relating to this agreement or the materials shall be settled by mandatory binding arbitration pursuant to this Arbitration Policy.

Arbitration shall be the sole forum and exclusive remedy. No arbitrator, court, or tribunal shall have authority to award damages, fees, costs, restitution, rescission, injunctive relief, equitable relief, or any other remedy in excess of one hundred U.S. dollars ($100.00), nor to award any relief outside the specific billing month or specific one-time product giving rise to the claim.

In no event shall any action be entertained by the arbitration panel or by any court of competent jurisdiction if the action is filed more than thirty (30) days after the end of the last billing month for a consulting program or thirty (30) days from the purchase of a digital product. Any and all damages or fees including legal fees shall be limited as set forth below.

ADDITIONAL RELEASE, WAIVER, AND LIMITATION OF LIABILITY

To the fullest extent permitted by Florida law, you release, waive, discharge, and hold harmless the Company and all protected parties from any and all claims, demands, causes of action, damages, losses, liabilities, costs, or expenses of any kind whether known or unknown suspected or unsuspected arising out of or relating to your participation, reliance, implementation, or results. This waiver of reliance applies to all claims including negligence, misrepresentation, omission, statutory, and common law claims.

You expressly agree that no claim, demand, or action may be brought against any owner, member, partner, manager, officer, director, employee, contractor, consultant, speaker, investor, or individual associated with the Company in any personal capacity whether any Company entity is active inactive dissolved reorganized or administratively closed. All obligations liabilities and remedies are limited solely to the Company as a legal entity.

In no event shall the Company or any related party be liable for indirect, incidental, consequential, special, punitive, exemplary, reliance-based, or lost-profit damages even if advised of the possibility of such damages.

Any and all liability if any shall be strictly limited to the amount actually paid by you to the Company for the specific billing month or specific one-time digital product giving rise to the claim and in no event shall such amount exceed one hundred US dollars ($100.00). This limitation applies regardless of the number of months paid the duration of the relationship or the theory of liability asserted. Liability may not be aggregated across billing months programs products transactions or legal theories. This limitation constitutes your sole and exclusive remedy.

CLASS ACTION WAIVER, CLAIM LIMITATIONS, AND SURVIVAL

All disputes shall be resolved on an individual basis only. You waive any right to participate in or bring class actions collective actions representative actions or private attorney general actions.

All disclaimers waivers limitations of liability releases arbitration provisions claim limitations and risk allocations shall survive termination cancellation completion of services expiration of any relationship and dissolution restructuring or closure of any Company entity.

The monetary limitation of one hundred U.S. dollars ($100.00) is a material term of this agreement and applies to all claims without exception, whether asserted in arbitration, court, equity, statute, tort, contract, negligence, strict liability, or otherwise, and shall survive termination, cancellation, expiration, dissolution, restructuring, or closure of any Company entity.

In the event of any overlap, redundancy, or perceived inconsistency between survival provisions in this document, this section shall control and govern the survival of all disclaimers, waivers, limitations, releases, arbitration provisions, and risk allocations herein.

If any provision of this document is found unenforceable, it shall be severed and the remainder shall remain in full force and effect.

All section titles and headings are for convenience only, shall not affect interpretation, and shall be construed consistently regardless of capitalization, punctuation, or formatting.