EARNINGS DISCLAIMER

Disclaimer:  No Earnings Projections, Promises Or Representations


This website (the “Site”) is owned and operated by Grand Cross Media Ltd.  
d/b/a “grandcrossmedia.com”
(“Grand Cross Media,” “we” or “us”). By using the
Site, you agree to be bound by these Terms of Service and to use the Site in
accordance with these Terms of Service, our Privacy Policy and any additional
terms and conditions that may apply to specific sections of the Site or to
products and services available through the Site or from Grand Cross Media.
Accessing the Site, in any manner, whether automated or otherwise, constitutes
use of the Site and your agreement to be bound by these Terms of Service.


We reserve the right to change these Terms of Service or
to impose new conditions on use of the Site, from time to time, in which case
we will post the revised Terms of Service on this website. By continuing to use
the Site after we post any such changes, you accept the Terms of Service, as
modified.


Intellectual Property Rights


Our Limited License to
You.
This Site and all the materials
available on the Site are the property of us and/or our affiliates or
licensors, and are protected by copyright, trademark, and other intellectual
property laws. The Site is provided solely for your personal noncommercial use.
You may not use the Site or the materials available on the Site in a manner
that constitutes an infringement of our rights or that has not been authorized
by us. More specifically, unless explicitly authorized in these Terms of
Service or by the owner of the materials, you may not modify, copy, reproduce,
republish, upload, post, transmit, translate, sell, create derivative works,
exploit, or distribute in any manner or medium (including by email or other
electronic means) any material from the Site. You may, however, from time to
time, download and/or print one copy of individual pages of the Site for your
personal, non-commercial use, provided that you keep intact all copyright and
other proprietary notices.


Your License to Us. By posting or submitting any material (including, without
limitation, comments, blog entries, Facebook postings, photos and videos) to us
via the Site, internet groups, social media venues, or to any of our staff via
email, text or otherwise, you are representing: (i) that you are the owner of
the material, or are making your posting or submission with the express consent
of the owner of the material; and (ii) that you are thirteen years of age or
older. In addition, when you submit, email, text or deliver or post any
material, you are granting us, and anyone authorized by us, a royalty-free,
perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use,
copy, modify, transmit, sell, exploit, create derivative works from,
distribute, and/or publicly perform or display such material, in whole or in
part, in any manner or medium, now known or hereafter developed, for any
purpose. The foregoing grant shall include the right to exploit any proprietary
rights in such posting or submission, including, but not limited to, rights
under copyright, trademark, service mark or patent laws under any relevant
jurisdiction. Also, in connection with the exercise of such rights, you grant
us, and anyone authorized by us, the right to identify you as the author of any
of your postings or submissions by name, email address or screen name, as we deem
appropriate.


You acknowledge and agree that any contributions
originally created by you for  us shall
be deemed a “work made for hire” when the work performed is within the scope of
the definition of a work made for hire in Section 101 of the United States
Copyright Law, as amended.  As such, the
copyrights in those works shall belong to Grand Cross Media from their
creation.  Thus, Grand Cross Media shall
be deemed the author and exclusive owner thereof and shall have the right to
exploit any or all of the results and proceeds in any and all media, now known
or hereafter devised, throughout the universe, in perpetuity, in all languages,
as Grand Cross Media determines.  In the
event that any of the results and proceeds of your submissions hereunder are
not deemed a “work made for hire” under Section 101 of the Copyright Act, as
amended, you hereby, without additional compensation, irrevocably assign,
convey and transfer to Grand Cross Media all proprietary rights, including
without limitation, all copyrights and trademarks throughout the universe, in
perpetuity in every medium, whether now known or hereafter devised, to such
material and any and all right, title and interest in and to all such
proprietary rights in every medium, whether now known or hereafter devised,
throughout the universe, in perpetuity. Any posted material which are
reproductions of prior works by you shall be co-owned by us.


You acknowledge that Grand Cross Media has the right but
not the obligation to use and display any postings or contributions of any kind
and that Grand Cross Media may elect to cease the use and display of any such
materials (or any portion thereof), at any time for any reason whatsoever.


Limitations on Linking
and Framing.
You may establish a
hypertext link to the Site so long as the link does not state or imply any sponsorship
of your site by us or by the Site. However, you may not, without our prior
written permission, frame or inline link any of the content of the Site, or
incorporate into another website or other service any of our material, content
or intellectual property.


Disclaimers


Throughout the Site, we may provide links and pointers to
Internet sites maintained by third parties. Our linking to such third-party
sites does not imply an endorsement or sponsorship of such sites, or the
information, products or services offered on or through the sites. In addition,
neither we nor affiliates operate or control in any respect any information,
products or services that third parties may provide on or through the Site or
on websites linked to by us on the Site.


If applicable, any opinions, advice, statements, services,
offers, or other information or content expressed or made available by third
parties, including information providers, are those of the respective authors
or distributors, and not Grand Cross Media. Neither Grand Cross Media nor any
third-party provider of information guarantees the accuracy, completeness, or
usefulness of any content. Furthermore, Grand Cross Media neither endorses nor
is responsible for the accuracy and reliability of any opinion, advice, or
statement made on any of the Sites by anyone other than an authorized Grand
Cross Media representative while acting in his/her official capacity.


THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR
THROUGH THE SITE AND BY Grand Cross Media AND ANY THIRD-PARTY SITES ARE
PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL
WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED
WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT
WARRANT THAT THE SITE OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR
ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THIS SITE,
INCLUDING BULLETIN BOARDS, OR THE SERVERS THAT MAKE IT AVAILABLE, ARE FREE OF
VIRUSES OR OTHER HARMFUL COMPONENTS.


WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING
THE USE OR THE RESULTS OF THE USE OF THE SITE OR MATERIALS ON THIS SITE OR ON
THIRD-PARTY SITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS,
RELIABILITY OR OTHERWISE.


You agree at all times to defend, indemnify and hold
harmless Grand Cross Media its affiliates, their successors, transferees,
assignees and licensees and their respective parent and subsidiary companies,
agents, associates, officers, directors, shareholders and employees of each
from and against any and all claims, causes of action, damages, liabilities,
costs and expenses, including legal fees and expenses, arising out of or
related to your breach of any obligation, warranty, representation or covenant  set forth herein.


Online Commerce


Certain sections of the Site may allow you to purchase
many different types of products and services online that are provided by third
parties. We are not responsible for the quality, accuracy, timeliness,
reliability or any other aspect of these products and services. If you make a
purchase from a merchant on the Site or on a site linked to by the Site, the
information obtained during your visit to that merchant’s online store or site,
and the information that you give as part of the transaction, such as your
credit card number and contact information, may be collected by both the
merchant and us. A merchant may have privacy and data collection practices that
are different from ours. We have no responsibility or liability for these independent
policies. In addition, when you purchase products or services on or through the
Site, you may be subject to additional terms and conditions that specifically
apply to your purchase or use of such products or services. For more
information regarding a merchant, its online store, its privacy policies,
and/or any additional terms and conditions that may apply, visit that
merchant’s website and click on its information links or contact the merchant
directly. You release us and our affiliates from any damages that you incur,
and agree not to assert any claims against us or them, arising from your
purchase or use of any products or services made available by third parties
through the Site.


Your participation, correspondence or business dealings
with any third party found on or through our Site, regarding payment and
delivery of specific goods and services, and any other terms, conditions,
representations or warranties associated with such dealings, are solely between
you and such third party. You agree that Grand Cross Media shall not be
responsible or liable for any loss, damage, or other matters of any sort
incurred as the result of such dealings.


You agree to be financially responsible for all purchases
made by you or someone acting on your behalf through the Site. You agree to use
the Site and to purchase services or products through the Site for legitimate,
non-commercial purposes only. You also agree not to make any purchases for
speculative, false or fraudulent purposes or for the purpose of anticipating
demand for a particular product or service. You agree to only purchase goods or
services for yourself or for another person for whom you are legally permitted
to do so. When making a purchase for a third party that requires you to submit
the third party’s personal information to us or a merchant, you represent that
you have obtained the express consent of such third party to provide such third
party’s personal information.


Your purchase is for personal use only. Sharing of
purchases is not permitted and will be considered unauthorized, an infringing
use of our copyrighted material, and may subject violators to liability.


If payment for a course is declined, our system will
automatically disable access to our premium materials. (We understand. This
usually happens because a credit card expires.) We want to help restore your
access, so we’ll make every attempt to contact you to help resolve this issue.
Once the billing issue is resolved, we’ll restore access.


Interactive Features


This Site may include a variety of features, such as
bulletin boards, web logs, chat rooms, and email services, which allow feedback
to us and real-time interaction between users, and other features which allow
users to communicate with others. Responsibility for what is posted on bulletin
boards, web logs, chat rooms, and other public posting areas on the Site, or
sent via any email services on the Site, lies with each user – you alone are
responsible for the material you post or send. We do not control the messages,
information or files that you or others may provide through the Site. It is a
condition of your use of the Site that you do not:


  • Restrict or inhibit any
    other user from using and enjoying the Site.
  • Use the Site to impersonate
    any person or entity, or falsely state or otherwise misrepresent your
    affiliation with a person or entity.
  • Interfere with or disrupt
    any servers or networks used to provide the Site or its features, or disobey
    any requirements, procedures, policies or regulations of the networks we use to
    provide the Site.
  • Use the Site to instigate
    or encourage others to commit illegal activities or cause injury or property
    damage to any person.
  • Gain unauthorized access to
    the Site, or any account, computer system, or network connected to this Site,
    by means such as hacking, password mining or other illicit means.
  • Obtain or attempt to obtain
    any materials or information through any means not intentionally made available
    through this Site.
  • Use the Site to post or
    transmit any unlawful, threatening, abusive, libelous, defamatory, obscene,
    vulgar, pornographic, profane or indecent information of any kind, including
    without limitation any transmissions constituting or encouraging conduct that
    would constitute a criminal offense, give rise to civil liability or otherwise
    violate any local, state, national or international law.
  • Use the Site to post or
    transmit any information, software or other material that violates or infringes
    upon the rights of others, including material that is an invasion of privacy or
    publicity rights or that is protected by copyright, trademark or other
    proprietary right, or derivative works with respect thereto, without first
    obtaining permission from the owner or rights holder.
  • Use the Site to post or
    transmit any information, software or other material that contains a virus or
    other harmful component.
  • Use the Site to post,
    transmit or in any way exploit any information, software or other material for
    commercial purposes, or that contains advertising.
  • Use the Site to advertise
    or solicit to anyone to buy or sell products or services, or to make donations
    of any kind, without our express written approval.
  • Gather for marketing
    purposes any email addresses or other personal information that has been posted
    by other users of the Site.


Grand Cross Media may host message boards, chats and other
public forums on its Sites. Any user failing to comply with the terms and
conditions of this Agreement may be expelled from and refused continued access
to, the message boards, chats or other public forums in the future. Grand Cross
Media or its designated agents may remove or alter any user-created content at
any time for any reason. Message boards, chats and other public forums are
intended to serve as discussion centers for users and subscribers. Information
and content posted within these public forums may be provided by Grand Cross
Media staff, Grand Cross Media’s outside contributors, or by users not
connected with Grand Cross Media, some of whom may employ anonymous user names.
Grand Cross Media expressly disclaims all responsibility and endorsement and
makes no representation as to the validity of any opinion, advice, information
or statement made or displayed in these forums by third parties, nor are we
responsible for any errors or omissions in such postings, or for hyperlinks
embedded in any messages. Under no circumstances will we, our affiliates,
suppliers or agents be liable for any loss or damage caused by your reliance on
information obtained through these forums. The opinions expressed in these
forums are solely the opinions of the participants, and do not reflect the
opinions of Grand Cross Media or any of its subsidiaries or affiliates.


 Grand
Cross Media has no obligation whatsoever to monitor any of the content or
postings on the message boards, chat rooms or other public forums on the Sites.
However, you acknowledge and agree that we have the absolute right to monitor
the same at our sole discretion. In addition, we reserve the right to alter,
edit, refuse to post or remove any postings or content, in whole or in part,
for any reason and to disclose such materials and the circumstances surrounding
their transmission to any third party in order to satisfy any applicable law,
regulation, legal process or governmental request and to protect ourselves, our
clients, sponsors, users and visitors.


We occasionally include access to an online community as
part of our programs. We want every single member to add value to the group.
Our goal is to make your community the most valuable community you’re a member
of. Therefore, we reserve the right to remove anyone at any time. We rarely do
this, but we want to let you know how seriously we take our communities.


Registration


To access certain features of the Site, we may ask you to
provide certain demographic information including your gender, year of birth,
zip code and country. In addition, if you elect to sign-up for a particular
feature of the Site, such as chat rooms, web logs, or bulletin boards, you may
also be asked to register with us on the form provided and such registration
may require you to provide personally identifiable information such as your
name and email address. You agree to provide true, accurate, current and
complete information about yourself as prompted by the Site’s registration
form. If we have reasonable grounds to suspect that such information is untrue,
inaccurate, or incomplete, we have the right to suspend or terminate your
account and refuse any and all current or future use of the Site (or any
portion thereof). Our use of any personally identifiable information you
provide to us as part of the registration process is governed by the terms of
our  Privacy Policy.


Passwords


To use certain features of the Site, you will need a
username and password, which you will receive through the Site’s registration
process. You are responsible for maintaining the confidentiality of the
password and account, and are responsible for all activities (whether by you or
by others) that occur under your password or account. You agree to notify us
immediately of any unauthorized use of your password or account or any other
breach of security, and to ensure that you exit from your account at the end of
each session. We cannot and will not be liable for any loss or damage arising
from your failure to protect your password or account information.


Limitation of Liability


UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO,
NEGLIGENCE, SHALL WE, OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES BE
LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES
THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SITE, INCLUDING OUR
MESSAGING, BLOGS, COMMENTS OF OTHERS, BOOKS, EMAILS, PRODUCTS, OR SERVICES, OR
THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THE SITE OR
BY US IN ANY WAY, EVEN IF WE ARE ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH
DAMAGES. (BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF
CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN
SUCH STATES, OUR LIABILITY AND THE LIABILITY OF OUR SUBSIDIARY AND PARENT
COMPANIES OR AFFILIATES IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH
STATE LAW.) YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR
ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE
DISSATISFIED WITH THE SITE, ANY MATERIALS, PRODUCTS, OR SERVICES ON THE SITE,
OR WITH ANY OF THE SITE’S TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY
IS TO DISCONTINUE USING THE SITE AND THE PRODUCTS, SERVICES AND/OR MATERIALS


Grand Cross Media IS NOT AN INVESTMENT ADVISORY SERVICE,
IS NOT AN INVESTMENT ADVISER, AND DOES NOT PROVIDE PERSONALIZED FINANCIAL
ADVICE OR ACT AS A FINANCIAL ADVISOR.


WE EXIST FOR EDUCATIONAL PURPOSES ONLY, AND THE MATERIALS
AND INFORMATION CONTAINED HEREIN AND IN OUR PRODUCTS AND SERVICES ARE FOR
GENERAL INFORMATIONAL PURPOSES ONLY. NONE OF THE INFORMATION PROVIDED BY US IS
INTENDED AS INVESTMENT, TAX, ACCOUNTING OR LEGAL ADVICE, AS AN OFFER OR
SOLICITATION OF AN OFFER TO BUY OR SELL, OR AS AN ENDORSEMENT, RECOMMENDATION
OR SPONSORSHIP OF ANY Grand Cross Media, SECURITY, OR FUND. OUR INFORMATION
SHOULD NOT BE RELIED UPON FOR PURPOSES OF TRANSACTING IN SECURITIES OR OTHER
INVESTMENTS.


WE DO NOT OFFER OR PROVIDE TAX, LEGAL OR INVESTMENT ADVICE
AND YOU ARE RESPONSIBLE FOR CONSULTING TAX, LEGAL, OR FINANCIAL PROFESSIONALS
BEFORE ACTING ON ANY INFORMATION PROVIDED BY US.


THIS SITE IS CONTINUALLY UNDER DEVELOPMENT AND Grand Cross
Media MAKES NO WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, AS TO ITS ACCURACY,
COMPLETENESS OR APPROPRIATENESS FOR ANY PURPOSE.


YOU acknowledge and agrees that no representation has been
made by Grand Cross Media OR ITS AFFILIATES and relied upon as to the future
income, expenses, sales volume or potential profitability that may be derived
from the participation in THIS PROGRAM.


Termination


We may cancel or terminate your right to use the Site or
any part of the Site at any time without notice. In the event of cancellation
or termination, you are no longer authorized to access the part of the Site
affected by such cancellation or termination. The restrictions imposed on you
with respect to material downloaded from the Site, and the disclaimers and
limitations of liabilities set forth in these Terms of Service, shall survive.


Refund Policy


Your purchase of a product or service or ticket to an
event may or may not provide for any refund. 
Each specific product, service, event or course will specify its own
refund policy.


Other


The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under the U.S. copyright law. If you believe in good faith that materials hosted by Grand Cross Media infringe your copyright, you, or your agent may send to Grand Cross Media a notice requesting that the material be removed or access to it be blocked. Any notification by a copyright owner or a person authorized to act on its behalf that fails to comply with requirements of the DMCA shall not be considered sufficient notice and shall not be deemed to confer upon Grand Cross Media actual knowledge of facts or circumstances from which infringing material or acts are evident. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send to Grand Cross Media a counter-notice. All notices and counter notices must meet the then current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright for details. Grand Cross Media’s Copyright Agent for notice of claims of copyright infringement or counter notices can be reached as follows: service@grandcross.ca . For more information on Canada’s copyright act go to https://cb-cda.gc.ca/act-loi/index-e.html.


This Agreement shall be binding upon and inure to the
benefit of Grand Cross Media and our respective assigns, successors, heirs, and
legal representatives. Neither this Agreement nor any rights hereunder may be
assigned without the prior written consent of Grand Cross Media.  Notwithstanding the foregoing, all rights and
obligations under this Agreement may be freely assigned by Grand Cross Media to
any affiliated entity or any of its wholly owned subsidiaries


These Terms of Use shall be governed by and construed in
accordance with the laws of the Province of British
Columbia and any dispute shall be subject to
binding arbitration in British Columbia, Canada. If any provision of this
agreement shall be unlawful, void or for any reason unenforceable, then that
provision shall be deemed severable from this agreement and shall not affect
the validity and enforceability of any remaining provisions.


Disclaimer


 Although
it is highly unlikely, This policy may be changed at any time at our
discretion. If we should update this policy, we will post the updates to this
page on our Website.


If you have any questions or concerns regarding our privacy policy please direct them to : service@grandcross.ca