Carmens Loh DISCLAIMER (LAST UPDATED MARCH 23rd 2022)

DISCLAIMER

IN PLAIN ENGLISH

Carmens Loh and its associated sites are owned and operated by Carmens Loh. It is our policy to create awesome products and we hold all our customers and prospects in high regard. We will never do anything to cheat you or deceive you, we will not spam you or spy on you and we will never share your information with any third party. We’ve done our best to present all information on this site accurately and all the testimonials are real testimonials from real people.

Basically, we’re an honest business and we’d be glad to tell our grandma (or yours) about everything we do, as we have nothing to hide or be ashamed of.

Below, there’s a whole bunch of lawyer-speak, which is designed to cover our asses in every possible way, in case someone gets it into their heads to try to sue us.

DISCLAIMER

Carmens Loh makes no representations, warranties, or assurances as to the accuracy, currency or completeness of the content contained on this website or any sites linked to this site.

E-MAIL POLICY

We are committed to keeping your e-mail address confidential. We do not sell, rent, or lease our subscription lists to third parties, and we will not provide your personal information to any third party individual, government agency, or company at any time unless compelled to do so by law.

We will use your e-mail address solely to provide timely information about Carmens Loh. Carmens Loh will maintain the information you send via e-mail in accordance with applicable federal law.

CAN-SPAM COMPLIANCE

In compliance with the CAN-SPAM Act, all e-mail sent from our organization will clearly state who the e-mail is from and provide clear information on how to contact the sender. In addition, all e-mail messages will also contain concise information on how to remove yourself from our mailing list so that you receive no further e-mail communication from us.

CHOICE/OPT-OUT

Our site provides users the opportunity to opt-out of receiving communications from us and our partners by reading the unsubscribe instructions located at the bottom of any e-mail they receive from us at any time.

Users who no longer wish to receive our newsletter or promotional materials may opt-out of receiving these communications by clicking on the unsubscribe link in the e-mail

ANTI-SPAM POLICY

Carmens Loh prohibits the use of their website and/or services in any manner associated with the transmission, distribution or delivery of any unsolicited bulk or unsolicited commercial e-mail (“Spam”). You may not use any Carmens Loh's services to send Spam. You also may not deliver Spam or cause Spam to be delivered to any customers of Carmens Loh.

In compliance with the CAN-SPAM Act of 2003 (15 U.S.C. 7701, et seq., Public Law No. 108-187, was S.877 of the 108th United States Congress), e-mail sent, or caused to be sent, to or through the Carmens Loh's website or service may not:

• use or contain invalid or forged headers;

• use or contain invalid or non-existent domain names;

• employ any technique to otherwise misrepresent, hide or obscure any information in identifying the point of origin or the transmission path;

• use other means of deceptive addressing;

• use a third party’s internet domain name, or be relayed from or through a third party’s equipment, without permission of the third party;

• contain false or misleading information in the subject line or otherwise contain false or misleading content;

• fail to comply with additional technical standards described below;

• otherwise violate our Terms of Use.

• Carmens Loh does not authorize the harvesting, mining or collection of e-mail addresses or other information from or through the website or its services. Carmens Loh does not permit or authorize others to use the Carmens Loh's services to collect, compile or obtain any information about its customers or subscribers, including but not limited to subscriber e-mail addresses.

Carmens Loh does not permit or authorize any attempt to use its services in a manner that could damage, disable, overburden or impair any aspect of any of the services, or that could interfere with any other party’s use and enjoyment of any Carmens Loh's service.

If Carmens Loh believes that unauthorized or improper use is being made of any service, it may, without notice, take such action as it, in its sole discretion, deems appropriate, including blocking messages from a particular internet domain, mail server or IP address. Carmens Loh may immediately terminate any account on any service which it determines, in its sole discretion, is transmitting or is otherwise connected with any e-mail that violates this policy.

Nothing in this policy is intended to grant any right to transmit or send e-mail to, or through, the Carmens Loh's website and/or services. Failure to enforce this policy in every instance does not amount to a waiver of Carmens Loh's rights.

Unauthorized use of any Carmens Loh's services in connection with the transmission of unsolicited e-mail, including the transmission of e-mail in violation of this policy, may result in civil, criminal, or administrative penalties against the sender and those assisting the sender.

Violators of the CAN SPAM Act may be subject to “cease and desist” orders or penalties from the FTC (Federal Trade Commission) of up to $11,000 per violation. Criminal prosecution is also possible in the case of egregious offenders, which can result in penalties such as fines, forfeiture of proceeds and equipment. The worst offenders can also be subject to prison time.

TERMS OF USE

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.

INTELLECTUAL PROPERTY RIGHTS

All copyrights, trademarks, patents and other intellectual property rights in and on our website and all content and software located on the site shall remain the sole property of Carmens Loh or its licensors. The use of our trademarks, content and intellectual property is forbidden without the express written consent from Carmens Loh.

You must not:

• Republish material from our website without prior written consent.

• Sell or rent material from our website.

• Reproduce, duplicate, create derivative, copy or otherwise exploit material on our website for any purpose.

• Redistribute any content from our website, including onto another website.

ACCEPTABLE USE

You agree to use our website only for lawful purposes, and in a way that does not infringe the rights of, restrict or inhibit anyone else’s use and enjoyment of the website. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content or disrupting the normal flow of dialogue within our website.

You must not use our website to send unsolicited commercial communications. You must not use the content on our website for any marketing related purpose without our express written consent.

RESTRICTED ACCESS

We may in the future need to restrict access to parts (or all) of our website and reserve full rights to do so. If, at any point, we provide you with a username and password for you to access restricted areas of our website, you must ensure that both your username and password are kept confidential.

REVISIONS

Carmens Loh may change these terms from time to time and so you should check these terms regularly. Your continued use of our website will be deemed acceptance of the updated or amended terms. If you do not agree to the changes, you should cease using our website immediately.

If any of these terms are determined to be illegal, invalid or otherwise unenforceable, it shall be severed and deleted from these terms and the remaining terms shall survive and continue to be binding and enforceable.

LIMITATION OF LIABILITY

THE MATERIALS AT THIS SITE ARE PROVIDED “AS IS'' WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND INCLUDING WARRANTIES OF MERCHANTABILITY, NON INFRINGEMENT OF INTELLECTUAL PROPERTY, OR FITNESS FOR ANY PARTICULAR PURPOSE. IN NO EVENT SHALL CARMENS LOH OR ITS AGENTS OR OFFICERS BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION, INJURY OR DEATH) ARISING OUT OF THE USE OF OR INABILITY TO USE THE MATERIALS, EVEN IF CARMENS LOH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES.

TESTIMONIAL DISCLAIMER

IN ACCORDANCE WITH THE FTC GUIDELINES CONCERNING USE OF ENDORSEMENTS AND TESTIMONIALS IN ADVERTISING, PLEASE BE AWARE OF THE FOLLOWING:

TESTIMONIALS APPEARING ON THIS SITE ARE ACTUALLY RECEIVED VIA TEXT, AUDIO OR VIDEO SUBMISSION. THEY ARE INDIVIDUAL EXPERIENCES, REFLECTING REAL LIFE EXPERIENCES OF THOSE WHO HAVE USED OUR PRODUCTS AND/OR SERVICES IN SOME WAY OR ANOTHER. HOWEVER, THEY ARE INDIVIDUAL RESULTS AND RESULTS DO VARY. WE DO NOT CLAIM THAT THEY ARE TYPICAL RESULTS THAT CONSUMERS WILL GENERALLY ACHIEVE. THE TESTIMONIALS ARE NOT NECESSARILY REPRESENTATIVE OF ALL OF THOSE WHO WILL USE OUR PRODUCTS AND/OR SERVICES.

THE TESTIMONIALS DISPLAYED (TEXT, AUDIO AND/OR VIDEO) ARE GIVEN VERBATIM EXCEPT FOR CORRECTION OF GRAMMATICAL OR TYPING ERRORS. SOME HAVE BEEN SHORTENED. IN OTHER WORDS, NOT THE WHOLE MESSAGE RECEIVED BY THE TESTIMONIAL WRITER IS DISPLAYED, WHEN IT SEEMED LENGTHY OR NOT THE WHOLE TESTIMONIAL SEEMED RELEVANT FOR THE GENERAL PUBLIC.

CARMENS LOH IS NOT RESPONSIBLE FOR ANY OF THE OPINIONS OR COMMENTS POSTED TO OUR SITE. CARMENS LOH IS NOT A FORUM FOR TESTIMONIALS, HOWEVER PROVIDES TESTIMONIALS AS A MEANS FOR CUSTOMERS TO SHARE THEIR EXPERIENCES WITH ONE ANOTHER. TO PREVENT AGAINST ABUSE, ALL TESTIMONIALS APPEAR AFTER THEY HAVE BEEN REVIEWED BY MANAGEMENT OF CARMENS LOH. CARMENS LOH DOES NOT SHARE THE OPINIONS, VIEWS OR COMMENTARY OF ANY TESTIMONIALS ON THIS SITE, AND ARE STRICTLY THE VIEWS OF THE REVIEWER.

EARNINGS DISCLAIMER

The author and publisher of the Products offered on this site and the accompanying materials have used their best efforts in preparing the Products offered on this site. The author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents of these Products offered on this site. The information contained in the Products offered on this site is strictly for educational purposes. Therefore, if you wish to apply ideas contained in the Products offered on this site, you are taking full responsibility for your actions.

EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT THIS PRODUCT AND IT’S POTENTIAL. EVEN THOUGH THIS INDUSTRY IS ONE OF THE FEW WHERE ONE CAN WRITE THEIR OWN CHECK IN TERMS OF EARNINGS, 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.”

ANY CLAIMS MADE OF ACTUAL EARNINGS OR EXAMPLES OF ACTUAL RESULTS CAN BE VERIFIED UPON REQUEST. YOUR LEVEL OF SUCCESS IN ATTAINING THE RESULTS CLAIMED IN OUR MATERIALS DEPENDS ON THE TIME YOU DEVOTE TO THE PROGRAM, 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.

MATERIALS IN OUR PRODUCT AND OUR 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 OF OUR SALES MATERIAL 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 ELSES, IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL.

The author and publisher disclaim any warranties (express or implied), merchantability, or fitness for any particular purpose. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is”, and without warranties.

As always, the advice of a competent legal, tax, accounting or other professional should be sought.

The author and publisher do not warrant the performance, effectiveness or applicability of any sites listed or linked to in the Products offered on this site. All links are for information purposes only and are not warranted for content, accuracy or any other implied or explicit purpose.

The Products offered on this site is © copyrighted by Carmens Loh. No part of this may be copied, or changed in any format, sold, or used in any way other than what is outlined within the Products offered on this site license agreement under any circumstances.