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License, Terms of Use, and Copyright Notice

While attempts have been made to verify information contained in the eBook, Report, and/or Software, the author or publisher of the eBook or Report or the programmer of the Software, neither Joe e. Clayton, Jr., nor their individual companies: Creative Software or Free Software Forever, nor IBSoftShops, nor any Independent Licensee/Operator of a website, individually or collectively, assume any responsibility for errors, omissions, interpretation or usage of the subject matter contained within this License.

By opening this eBook, Report, and/or Software, you agree to abide by this License Agreement, and any Terms of Use, Disclaimer, and Copyright Notice accompanying such products or contained on websites from which this eBook, Report, and/or Software are distributed (hereinafter the "Agreements"). Failure to comply with the Agreements and/or any violation of the Copyright of this product or any other applicable legal agreements will be prosecuted to the fullest extent of the law. By opening this eBook, Report, and/or Software, you also warrant that you are a person over the age of 18.

The websites from which the eBook, Report, and/or Software are distribute are subject to availability including all of their web pages that may be contained within this eBook, Report, and/or Software. All persons seeking to purchase or download the eBook, Report and/or Software at any of the websites from which they are distributed must be at least 18 years to purchase.

NOTE: Your details will never be sold, shared, rented, or passed on to any third party by the author or publisher of the eBook or Report or the programmer of the Software, or their individual companies: Creative Software or Free Software Forever, nor IBSoftShops, nor any Independent Licensee/Operator of a website, individually or collectively. They are for the use of the author or publisher of the eBook or Report or the programmer of the Software, or their individual companies: Creative Software or Free Software Forever, or IBSoftShops, or the Independent Licensee/Operator of the website who provided you with this eBook, Report, and/or Software so that you may be informed of new passwords, new products that might be of interest to your, or new additions for you to download.

You can unsubscribe at any time by simply clicking on the unsubscribe link at the bottom of each mailing -- although doing so would mean that your license is revoked and would no longer receive updated passwords to open and/or use this eBook, Report, and/or Software and that this eBook, Report, and/or Software may become unusable as associated with this eBook, Report, and/or Software, or with the individual websites contained in this eBook, Report, and/or Software.

By opening this eBook, Report, and/or Software, you expressly agree to resolve any dispute, disagreement, claim, or lawsuit arising as a result of the use of this eBook, Report, and/or Software, any associated Affiliate Program, or any associated website(s) under the laws of the State listed in the Terms and Conditions (of Use) posted at the website from which you made your download or purchase and if such document is silent, then the laws of the State of Florida, U.S.A. shall apply. You further agree that that the venue for any such dispute, disagreement, claim, or lawsuit shall be Volusia County Florida and is subject to Mandatory Online Arbitration under the rules of the American Arbitration Association. The outcome of any such Online Arbitration shall be final. All costs of such Online Arbitration shall be borne by the party initiatiating the dispute, disagreement, claim, or lawsuite arising as a result of the use of this eBook, Report, and/or Software, any associated Affilate Program, or any associated website(s).

This eBook, Report, and/or Software is provided for informational purposes only subject to the disclaimers contained herein.

You may not distribute any portion of this eBook, Report, and/or Software. You may not Reverse Engineer or alter any portion of this eBook, Report, and/or Software.

SPECIFIC TERMS AND CONDITIONS OF LICENSE TYPE: Please read and understand your limited license rights to giveaway, brand, sell, resell, or convey any specific rights granted to you based on the package type and/or license type you have purchased or the type of license that came with your free download.

If you have downloaded this eBook, Report, and/or Software at no charge, then you have no Resale Rights or Master Resale Rights. However, you may still have branding and distribution rights if you have purchased a Distribution license.

For each class of rights or category of eBook, Report, and/or Software, the following rules apply.

1) For any and all license types, you may not make any claims to ownership of the content or ideas contained in the eBook, Report, and/or Software or any associated website(s) and you must include appropriate Copyright, Trademark, and/or Patent notices in any advertising or webites used to discuss, advertise, or describe the eBook, Report, and/or Software that you have licensed by purchase or download, and/or that was delivered to you by any third party.

2) Neither the original author, publisher and/or programmer, nor Joe e Clayton, Jr., nor their individual companies: Creative Software or Free Software Forever, nor IBSoftShops, nor any Independent Licensee/Operator, conveys any intellectual property rights whatsoever (including any Copyright, Trademark, or Patent rights) or any ownership rights of this receipt for your purchase, all of which are incorporated herein as if they were set forth in full. Combined, the purchase and license rights described within this document and within any other End User License Agreement that may apply to your download, construct your entire agreement and description of rights granted with regard to the eBook, Report, and/or Software purchased and/or downloaded. Separate Terms and Conditions (of Use) may apply to individual programs contained within the eBook, Report, and/or Software purchased and/or downloaded and may be found within the specific website(s) referred to therein.

4) If you should have any rights of redistribution, whether you are you are distributing this eBook, Report, and/or Software in its original format, or a Branded version of this eBook, Report, and/or Software, you have no right to promote the product(s) by any illegal methods, including but not limited to, Unsolicitied Commercial Email (spamming) as defined within the CAN-SPAM Act of 2003. In the event that your distribution of this eBook, Report, and/or Software results in any spam complaint, you agree to indemnify and hold harmless the author and/or publisher of the eBook or Report and/or the programmer of the Software, and Joe e Clayton, Jr., and their individual companies: Creative Software or Free Software Forever, and IBSoftShops, as well as any Independent Licensee/Operator, individually and collectively, for all expenses and damages associated with any such spam complaint and further, you agree to pay liquidated damages in the sum of $10,000 to each of them as a result of any such spam complaint. Furthermore, if you shoul have any rights of resale or redistribution, whether you are you are distributing this eBook, Report, and/or Software in its original format, or a Branded version of this eBook, Report, and/or Software, through any illegal methods whatsoever (including spam), any license previously conveyed to you shall immediately terminate and you must immediately destroy any and all copies of this eBook, Report, and/or Software and you must also immediately terminate your resale or redistribution of this eBook, Report, and/or Software.

The author and/or publisher of the eBook or Report and/or the programmer of the Software, and Joe e Clayton, Jr., and their individual companies: Creative Software or Free Software Forever, and / or IBSoftShops, individually and collectively, reserve the right to enforce this License to the fullest extent allowed by law and, if you are found to be reselling or redistributing this eBook, Report, and/or Software through any illegal methods whatsoever, or without owning a proper license for such resale or redistribution, they also individually and collectively, reserve the right to obtain an injunction against you, if necessary, ordering you to cease and desist any such resale or redistribution, and to bring an action against you, either as an arbitration or in a court of law, for civil damages, punitive damages, and liquidated dames in the amount of $1,000 per occurrence, all within the terms of this License and any End User License that may apply. Any third party Licensor reserves the right to take its own action against you for violation of either this License or any End User License that may apply to the eBook, Report, and/or Software.

IF THIS eBOOK, REPORT, AND/OR SOFTWARE IS DISTRIBUTED WITH BRANDING RIGHTS: If you obtained Branding Distribution Rights for this eBook, Report, and/or Software, then you have the right to sell or giveaway an unlimited number of copies of this eBook, Report, and/or Software to your prospects, customers, website visitors, friends, family, etc. BUT ONLY from websites and entities owned by YOU. Distribution via third-party sites such as download.com, etc. is forbiddden.

Further, such Distribution are to distribute this eBook, Report, and/or Software in its original form ONLYor via the Branding of the original installation program without altercation by any other means. Once you have obtained Distribution Rights as governed by this License, there may be a minimum price at which you may resell this eBook, Report, and/or Software. Any such minimum price would be listed at the website and is subject to change without notice. It is your responsibility to determine whether any such minimum price exists and, if so, the amount of the minimum price at the time that you resell a copy of this eBook, Report, and/or Software. If you obtained a License with Distribution Rights, then you have full right to reproduce this eBook, Report, and/or Software on floppy disc, CD-ROM, or other removable medium as well as to place a copy of this eBook, Report, and/or Software on the internet on a site or sites OWNED and controlled by YOU for download, in order to sell/distribute said eBook, Report, and/or Software. However, you do so at your own risk. Neither the author or publisher of the eBook or Report nor the programmer of the Software,nor Joe e Clayton, Jr., nor their individual companies: Creative Software or Free Software Forever, nor IBSoftShops, nor any Independent Licensee/Operator of a website distributing this eBook, Report, and/or Software, provides any warranty whatsoever (including any warranty of merchantability or fitness for a particular purpose) for for the resale of an eBook, Report, and/or Software. In the event that you have obtained a License with Distribution Rights, you are only allowed to distribute/resell the eBook, Report and/or Software to which that License applies. That License with Resale Rights does not grant to you the right t BRANDING RIGHTS: If you obtained Branding Rights for this eBook, Report, and/or Software, then such Rights may allow you to customize this eBook, Report, and/or Software to include your own name, telephone number, and/or email address, at a minimum, and may also allow you to enter an affiliate id(s), member id(s), and/or referral id(s) for various products and/or programs so that you may gain the benefits of potentially earned commissions, all in accordance with the Terms and Conditions as found at this website. Once you have been given the right to download the Branding Tool which is governed by this License, then you also have full rights to make any number of copies of your Branded eBook, Report, and/or Software to redistribute or resell (depending upon the type of License you have ) to your prospects, customers, website visitors, friends, family, etc. These Branding Rights are limited to the type of License you are Granted (a License with "Giveaway Rights" in which case you may redistribute your branded copy but not resell it, or a License with Distribution Rights, in which case you may resell your branded copy in accordance with this License and the paragraph pertaining to the License for Resale Rights).

No matter what license you have as described herein, you are not granted any License other than a License to use the branding tool for yourself or your company, and then only once, and you are not allowed to redistribute or to resell the branding tool in any way. If you have obtained Branding Rights, then this license allows you to reproduce this eBook, Report, and/or Software in its Branded Form and either redistribute it or resell it through the Internet, on floppy disc, CD-ROM, or other removable medium. However, you do so at your own risk. Neither the author or publisher of the eBook or Report nor the programmer of the Software, nor Joe e Clayton, Jr., nor their individual companies: Creative Software or Free Software Forever, nor IBSoftShops, nor any Independent Licensee/Operator of a website distributing this eBook, Report, and/or Software, provides any warranty whatsoever (including any warranty of merchantability or fitness for a particular purpose) for branding an eBook, Report, and/or Software or for using a branded copy of an eBook, Report, and/or Software, or for redistributing an eBook, Report, and/or Software. In no event do you have the right to brand the eBook, Report, and/or Software more than once, and even then, you may only do so with your own individual or company information. Further, you may not use your Branding Tool to make additional branded copies of an eBook, Report, and/or Software for any other person or entity. You also do not have the right to use the Branding Tool to brand any other eBook, Report, and/or Software, other than the one for which it was intended. You also do not have the right to sell the branding tool as described herein. Further, other than to make the changes allowed by the Branding Tool, you are not allowed to make any further changes (including any additions or deletions), to the eBook, Report, and/or Software.. In the event that you breach any term of this License, you shall immediately forfeit any rights you may have had under this License and your License shall immediately terminate. Further, if you breach this term of this License, you shall be liable for liquidated damages in the amount of $1,000 per copy of a branded eBook, Report, and/or Software that you made using your Licensed Branding Tool. Such liquidated damages shall be paid to the website owner or Indepenent Licensee/Operator from which you downloaded such eBook, Report and/or Software. However, the author and/or publisher and/or programmer, individually and/or collectively, reserve the right to take any other acti Clayton, Jr., or their individual companies: Creative Software or Free Software Forever, or IBSoftShops, approve of or endorse any other product included in such bundle. If you have obtained a License to Bundle, then you must identify in your own Terms and Conditions a well as on any website or in any advertising or sales literature advertising this eBook, Report, and/or Software as part of a bundle, that neither the author and/or publisher and/or programmer, nor Joe e Clayton, Jr., nor their individual companies: Creative Software or Free Software Forever, nor IBSoftShops, nor the Independent Licensee/Operator of the website from which you obtained this eBook, Report, and/or Software, have any responsibility whatsoever for any other products in the bundle or package that you may be offering. You hereby agree to indemnify and hold harmless each of them from any actions that may be brought against any of them as a result of your including this eBook, Report, and/or Software (whether in its original form or in its branded form) in your bundle or package.

Furthermore, you must also include the appropriate acknowledgement of any and all intellectual property rights of any of them, including but not limited to, Copyrights, Trademarks, Tradenames, and/or Patents or Provisional Patents, in your website(s), your advertising copy, your Terms and Conditions, and any other appropriate location.

Furthermore, if this eBook, Report, and/or Software is subject to a Third Party End User License Agreement, then you must also include appropriate acknowledgement of any and all intellectual property rights of the Third Party, and the fact that anyone obtaining the product in the bundle is also subject to both this License Agreement as well as the Third Party End User License Agreement. In the event that you breach this term of this License, you shall immediately forfeit any rights you may have had under this License and this License shall immediately terminate. Further, in the event that you breach this term of this License, you shall be liable for liquidated damages in the amount of $2,500 per copy of any eBook, Report, and/or Software that you redistributed or resold in breach of this License. Such liquidated damages shall be paid to the website owner or Indepenent Licensee/Operator from which you downloaded such eBook, Report and/or Software. However, the author and/or publisher and/or programmer, individually and/or collectively, reserve the right to take any other action they may choose to obtain any other equitable or legal remedy available to them, including other forms of damages.

ADDITIONAL LICENSE RESTRICTIONS: Whether you are distributing this eBook, Report, and/or Software in its original format, or as an Branded Version, you have no right to promote the product by any illegal or unethical methods, including but not limited to, spam, UCE or any other unsolicited methods.

Neither the author or publisher of the eBook or Report or the programmer of the Software, nor Joe e Clayton, Jr., nor their individual companies: Creative Software or Free Software Forever, nor IBSoftShops, nor any Independent Licensee/Operator of a website, are responsible for any loss or damage suffered by you or any third party as a result of the downloading of this eBook, Report, and/or Software and/or the use of this eBook, Report, and/or Software and/or any supporting files.

In no event will either the author or publisher of the eBook or Report or the programmer of the Software, or Joe e Clayton, Jr., or their individual companies: Creative Software or Free Software Forever, or IBSoftShops, or any Independent Licensee/Operator of a website, be liable for any direct, indirect, incidental, consequential, or other loss or damage arising out of the downloading, use, branding, redistribution, resale, or bundling of this eBook, Report, and/or Licensee/Operator of a website, as permitted by law.

All Trademarks, Tradenames, Business Names, Logos, and website URLs contained within this eBook, Report, and/or Software are copyrighted by their respective owners and may not be reproduced, in whole or in part, unless used in brief quotations and then, only if left intact, explicitly in the order location, and manner in which they are used within this eBook, Report, and/or Software, and with proper credit given to the appropriate party owning such Trademark, Tradename, Business Name, Logo, or website URL.

You are specifically prohibitted from obtaining any domain name for any purpose whatsoever, which may be confusingly similar to, or contain any portion of the name of the eBook, Report and/or Software, or the domain names for the website(s) from which any of them may be downloaded, or the author or publisher, or the programmer, or Joe e Clayton, Jr., or their individual companies: Creative Software or Free Software Forever, or IBSoftShops, or the name of any Independent Licensee/Operator of a website.

The author, publisher, or programmer reserves the right to terminate any affiliate program that may be associated with the sale of this eBook, Report, and/or Software, and any associated website(s) at any time, without warning, and none are responsible for any results forthcoming from said termination. Furthermore, the author, publisher, or programmer extends no warranty of results either expressed or implied from the usage of this eBook, Report, and/or Software. This eBook, Report, and/or Software is provided for informational purposes only and is not intended to provide any advice on a particular subject. It is your responsibility to perform your own due diligence to verify the contents of said eBook, Report, and/or Software before implementing any suggestions, solutions or remedies suggested therein.

Any earnings or income statements, or earnings or income examples, whether contained on the website(s) or within this eBook, Report, and/or Software are only estimates of what anyone thinks you could earn. There is no assurance you will do as well. If you rely upon any hypothetical figures, you must accept the risk of not doing as well. Any and all claims or representations as to income earnings contained on the website(s) or within this eBook, Report, and/or Software or on any sites contained therein, are for illustration purposes only and are not to be considered as average earnings. There can be no assurance that any prior successes or past results as to income earnings, can be used as an indication of your future success or results. The amount of time and effort that you spend marketing and promoting this opportunity will directly correlate with your income result. For further information, see the Earnings Disclaimer contained on the website from which you obtained this eBook, Report, and/or Software.

Anyone violating this License or its terms will forfeit his/her right to continue marketing this eBook, Report, and/or Software, should any such rights exist, both in their original state and in their branded state. Further, if any such person or entity shall have had Resale Rights, any such Resale Rights shall be immediately forfeited without refund and any such person or entity shall immediately forfeit his/her/its right to continue marketing this eBook, Report, and/or Software. In the event that this eBook, Report, and/or Software is protected by password, and you violate this License or its terms, then any password shall immediately be disabled, and you will no longer receive updates or entry to download or use the eBook, Report, and/or Software, including any copies that you may have already distributed.

The laws of Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

In no case shall you have the right to go to court or have a jury trial. You will not have the right to engage in pre-trial discovery except as provided in the rules; you will not have the right to participate as a representative or member of any class of claimants pertaining to any claim subject to arbitration; the arbitrator's decision will be final and binding with limited rights of appeal.

Any cause of action or claim you may have with respect to the website, the products, the Services, the eBook(s), the Reports, or the Software must be commenced within ninety (90) days after the claim or cause of action arises or such claim or cause of action is barred. Any failure to insist upon or enforce strict performance of any provision of this License 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 provision of this License. Either Joe e Clayton, Jr., or their individual companies: Creative Software or Free Software Forever, or IBSoftShops, or any Independent Licensee/Operator of a website, may assign his/her/its rights and duties under this License to any party at any time without notice to you. Use of headings in this document is for convenience only and does not identify legal boundaries or terms explicitly.

Joe e Clayton, Jr., or their individual companies: Creative Software or Free Software Forever, or IBSoftShops, may modify this License, and the agreement this creates, at any time, simply by updating this posting and without notice to you. This License represents the ENTIRE agreement regarding all the matters that have been discussed herein.

� Copyright 2005 by Gina Gaudio-Graves, Esq. and The Abundance Group, LLC and licensed for use by Joe E. Clayton, Jr., Creative Software, and Free Software Forever. All Rights Reserved. No portion of this License Agreement may be copied or used by anyone other than the Licensee without the express written permission of Gina Gaudio-Graves, Esq. and The Abundance Group, LLC.

Definitions

THE DEFINITIONS WHICH FOLLOW ARE MEANT ONLY FOR CONVENIENCE FOR THIS PRIVACY POLICY. OTHER DEFINITIONS MAY BE CONTAINED WITHIN OTHER APPLICABLE LEGAL AGREEMENTS LOCATED ON THE WEBSITE(S) INCLUDING ANY LICENSE THAT MAY APPLY TO SPECIFIC PRODUCTS, REPORTS, OR SOFTWARE, ANY AFFILIATE OR INDEPENDENT LICENSEE/PARTNER AGREEMENT, ANY DISCLAIMER, AND ANY TERMS AND CONDITIONS (OF USE), OF THE SITES ALL OF WHICH ARE HEREBY INCORPORATED BY REFERENCE AS IF THEY WERE FULLY SET FORTH HEREIN. THIS PRIVACY POLICY AND THE LEGAL DOCUMENTS LOCATED ON THE WEBSITE(S) ARE SUBJECT TO CHANGE WITHOUT NOTICE. YOU ARE DIRECTED TO REGULARLY CHECK THE WEBSITE(S) FOR THE MOST CURRENT VERSION OF THESE DOCUMENTS AND YOU ARE RESPONSIBLE FOR CONFORMING YOUR ACTIONS TO THE MOST CURRENT VERSION OF THESE DOCUMENTS.

"We", "Us", and "Our" refers to Joe e. Clayton, Jr., Gina Gaudio-Graves, Attorney at Law, and their indidivudal companies, Creative Software, Free Software Forever, and The Abundance Group, LLC. The term also refers to the authors, publishers, and programmers of any eBooks, Reports, and/or Software contained on the Magnibar website(s) and the IBSoftshops website(s) as well as to the Independent Licensee/Operators of any website(s) from which these eBooks, Reports, and/or Software may be sold. The terms "We" refers to each of these individually as well as collectively.

"Our" on any of The Website(s), or contained in any eBooks, Reports, or Software, provided through the websites mentioned above.

"The Information" refers to the content of the website(s), as well as the content of the eBooks, Rreports, Software, or newsletters published by Us on or through the website(s) or in any eBooks, Reports, or Software provided through the website(s), that suggests, states, implies, or discusses, in any way, the earning of commissions, monies, or credits through any means or strategies.
______________________________

We own and/or operate websites, an Independent Licensee/Operator Program, and an exclusive (by invitation only) Affiliate Program through The Websites. and also publishes various eBooks (hereinafter collectively referred to as the "Sites"). "You" refers to the person using The Websites, The Materials, and/or The Information. We strive to offer You the many advantages of Internet technology and to provide an interactive and personalized experience.

We may use "Personally Identifiable Information" (name, e-mail address, street address, telephone number, IP address, financial information, social security number and/or other form of tax identification number, and other information) subject to the terms of this Privacy Policy. We will never sell, barter, or rent your email address to any unauthorized third party. We employ specific security measures when storing, retrieving, or accessing any form of financial information and/or (from Independent Licensees/Operators and/or exclusive Affiliates) social security numbers and/or other form of tax identification numbers.

How We Gather Information From Users
How we collect and store information depends on the page you are visiting, the activities in which you elect to participate and the services provided. For example, you may be asked to provide information when you register for access to certain portions of our site or request certain features, such as newsletters or when you make a purchase. You may provide information when you participate in any of Our programs, on or by The Websites and other interactive areas of The Websites. Like most websites, we also collect information automatically and through the use of electronic tools that may be transparent to You. For example, we may log the name of your Internet Service Provider or your IP address, or use information available through the Internet, cookie technology, other forms of technology, and technologies yet to be conceived and/or implemented, to recognize You and hold information from your visit. (To learn more about "IP addresses" or "cookies", find information by use of an Internet search engine.) As we adopt additional technology, We may also gather additional types and categories of information about You and Your use of The Websites, its Programs, Your use of the the Internet, and/or Your implied topics of interest, usage, or research, and do this through other means.

In certain instances, you can choose not to provide us with information, but, if you do, you may be unable to access certain portions of the site and might not be able to download certain eBooks, Reports, Software, and/or other Products, or we may not be able to customize the site's features according to your preferences, or you may not be able to become a Participant in some or all of the programs offered at The Websites. Furthermore, in some instances (as detailed in the Terms and Conditions as well as in the paragraph below entitled "Taxpayer Identification Number") if you fail to provide ways. For example, we may combine information about your usage patterns with similar information obtained from other users to help enhance The Websites and the services offered therein (e.g., to learn which pages are visited most or what features are most attractive). Aggregate Information may occasionally be shared with Our subsidiaries, Our advertisers, Our business partners, or the general public. Again, this information does not include any Personally Identifiable Information about You or that would allow anyone to identify You individually. Additionally, periodic transmission of the aggregate information may occur to affect, enable, or enhance other products, programs and services that We may offer.

We may use Personally Identifiable Information collected by and/or retained on The Websites or through any of Our Independent Licensees/Operators websites, or through any of Our Affiliates' links, to communicate with You about your purchases, registration and customization preferences; our Terms and Conditions (aka License/Terms and Conditions (of Use)/Terms of Service), this Privacy Policy, or any other legal documents contained on The Websites or any other legal documents which pertain to your participation; services and products offered, now or in the future, by Us, or any other topics we think you might find of interest. Any such communication may be in the form of email or by telephone or any other means suitable to the type of communication, including any new information delivery technologies that might become available.

Personally Identifiable Information collected by and/or retained on or through The Websites or through any of our Independent Licensee/Operator's sites, or through any of Our Affiliates' links, may also be used for other purposes, including but not limited to site administration, troubleshooting, processing of e-commerce transactions, administration of sweepstakes and contests, and other communications with You. Certain third parties who provide technical support for the operation of The Websites (our Web hosting service or server rental company, for example), in general, may have indirect access to such information. We will use your information only as permitted by law. In addition, from time to time, as we continue to develop our business, we may sell, buy, merge or partner with other companies or businesses. In such transactions, Your personally identiviable information may be among the transferred assets. We may also disclose your information in response to a court order, at other times when we believe we are reasonably required to do so by law, in connection with the collection of amounts you may owe to us, and/or to law enforcement authorities whenever we deem it appropriate or necessary. Please note we may not provide you with notice prior to, or after, disclosure in such cases.

Occasionally We are approached by companies and professional associations seeking to inform our Users, Partners, Independent Licensees/Operators, Licensees, Purchasers, and/or Affiliates, about products or services that may be of interest to them. We review these requests and when, in our judgment, we think the information would be of benefit to You, we may cooperate in getting You this information. We view receiving such information as a benefit for those who are seeking new tools to help them run their online business. In such cases, we would provide you with this information directly, rather than provide your Personally Identifiable Information to the outside companies and professional associations. We may initiate the communication of any information or advertising for Our direct or indirect financial gain and it is done so without any compensation due to You or any other recipient of the information.

Financial Information

We may use third party merchant payment verification and processing companies to obtain payment and approvals and to bill You for The Materials, the Information, and/or other Products merchant transaction or other payment providers and such information during the post sale transaction of data and the data communication between their computer(s) and our computer(s) may or may not not be encrypted or protected with SSL or any other form of encryption software, in some cases.

The actual account access credentials information is not supplied to Us, but is available only for purposes of processing and completing the purchase transaction. The account and/or credentialization information is only disclosed to specific third parties as necessary to complete the purchase transaction, or during the process of financing the transaction. Additionally, notifications delivered in the form of email to Us will be delivered unencrypted and clearly readable in standard character sets defined by or within the geography of delivery or by or within the receiving computers configuration. During the entire process of placing and paying for an order, there may be several steps in the process where data is transmitted unencrypted and this is variable between Users partly based on the configuration of web browser technology or by any other means they access The Websites, or by the payment method and/or payment or merchant transaction processor chosen or available at the time of purchase, or by any third party provider used by the merchant transaction or associated payment processor, all of which is beyond Our control. Your payment processor ids, payment processor transaction identifiers, dates and times of transactions, contractual obligations or details specific to the transactions, checksums, electronic forms of signature, and any other useful information for identifying or explaining or replicating the transaction may be stored temporarily or permanently on The Websites.

Requesting Your Personally Identifiable Information and/or Financial Information
Upon written request we may provide You with access to information that we maintain about You including, but not limited to, financial information (e.g., payment processor and/or merchant account information), unique identifier information (e.g., customer number or password), transaction information (e.g., dates on which You made purchases, amounts and types of purchases), participation history (e.g. dates on which you subscribed to lists at The Websites), and/or contact information (e.g., name, address, phone number). Upon request, we offer You the ability to have inaccuracies corrected in contact information, financial information, and/or transaction information as further detailed in the Affiliate Program.

Affiliated Sites, Linked Sites and Advertisements

We expect Our Independent Licensees/Operators, partners, associates, advertisers, and/or Affiliates to respect Your privacy. Be aware, however, that third parties (including, but not limited to, Our Independent Licensees/Operators, partners, associates, advertisers, and/or Affiliates to respect, Ou affiliated companies, personnel, consultants, and advisors, other content providers, or other advertising services) (collectively referred to as "Promotional Partners") whose websites may be accessible through The Websites, may have their own privacy and data collection policies and practices. For example, during your visit to The Websites, or websites that The Websites link to, you may link to or view, certain content that is actually owned, created, hosted by a third party, or hosted or advertised by another service, or websites far removed from and unrelated to the Websites. Also, through The Websites, The Materials, or The Information, you may intentionally or unintentionally be introduced to, or be able to access, information, other websites, programs, products, services, features, contests or sweepstakes offered by other parties. We are not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of each of those third parties when providing information on any activities are beyond the Our control and this Policy.

Taxpayer Identification Number (Independent Licensees/Operators and Affiliates Only)

Individuals or entities who register as Affiliates or purchase Independent Licensee/Operator licenses (hereinafter "Payees") AND who are due any monies from their participation in the Our Affiliate Program, must provide their Taxpayer Identification Number (either their social security number or employer identification number if a United States citizen or resident, or other form of identification provided by their country of origin or residence) to Us. We cannot make any payments to said Payee until the Payee submits their appropriate Taxpayer Identification Number and supporting Identification to Us (as required by the Affiliate Agreement of The Websites).

Furthermore, We may not pay any monies to any United States resident or citizen that would cause such Payee's cumulative earnings to meet or exceed $600 during a calendar year, until that Payee submits an original, signed copy of IRS form W-9 as per instructions contained in The Websites' Terms and Conditions and/or Affiliate Agreement. We are required to collect this information from each Payee in order to report each Payee's earnings to the U.S. Internal Revenue Service, (and/or to the taxing authorities of any nation, state, or political subdivision whose laws or regulations we are obligated to respect), and to issue IRS form 1099-MISC to the Payee and to the IRS. (To read more about the IRS Regulations that govern our operation, click here.)

If you are neither a citizen nor a resident of the United States, You do not need to provide a U.S. taxpayer identification number, but in this case we are required to withhold a portion of any monies that may be due to You and remit them to the IRS. (You are still required to provide us with Personal Identification as required in The Websites' Independent Licensee/Operator Agreement, Terms and Conditions, and/or Affiliate Agreement.) For more information on withholdings for foreign persons or entities, click here. (You must apply to the IRS for a refund of this money if you do not owe any United States income taxes or are not subject to any laws pertaining to United States income taxes.) You should not be asked for (and You should never provide) your taxpayer identification number, unless You are applying for a Program that entitles you to earn monies.

Children

We have designed this Policy to comply with the Children's Online Privacy Protection Act ("COPPA"). We do not knowingly collect or solicit Personally Identifiable Information from or about children under the age of 13 except as required by law. If we discover we have received any information from a child under the age of 13 in violation of this policy, we will delete that information immediately. If you believe We have any information from or about anyone under the age of 13, please contact us at the address listed below.

User Emails or Testimonials

If you are an Independent Licensees/Operators, customer/licensee, partner, associate, and/or Affiliates and send an email to The Websites, to Us, or if you communicate with Us by phone or mail or other means, the party you are communicating with collects information about your communication. By communicating with any of them, you give your permission to collect, archive, retrieve, and otherwise use any information collected as We see fit.

Any communication by You to Us which, in our sole discretion, we deem to be a testimonial, may be publicized for commercial purposes.

Legal Disclaimer

We use reasonable precautions to keep the information disclosed to Us secure. We will use your information only as permitted by law. Though we make every effort to preserve user privacy, we may need to disclose Personal Identifiable Please note we may not provide you with notice prior to, or after, disclosure in such cases.

We do not endorse, nor are We responsible for the accuracy of the privacy policies and/or terms and conditions and/or terms of use/service of each or any of Our advertisers or other Promotional Partners. The entities which advertise and/or place ads within or on The Websites, are independent third parties and are not affiliated with either Us (except, in the case of those sites identified as being an Independent Licensee/Operator, Partner, Affiliate, or Reseller, which sites are Independent Contractors and are neither owned nor operated by Us, unless otherwise stated on such site). Furthermore, We are not responsible for any breach of security, misuse of information, or for any other actions of any third parties that may receive the information.

Contacting Us

We can be reached by contacting:

Joe e. Clayton, Jr.
Free Software Forever
890 Liskeard Ave.
Orange City, FL
Phone: (386)775-9305
Fax: (386)775-0117
Email: FreeSoftwarewizard (at) Yahoo.com

Changes to This Policy

We reserve the right to change this policy at any time. Please check this page and The Websites periodically for changes. Your continued use of The Websites, The Materials, and The Information following the posting of changes to this Privacy Policy will mean You accept those changes. Information collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the information was collected.

Your Acceptance of These Terms

By agreeing to receive information from Us, by licensing, purchasing, or downloading any of Our eBooks, Reports, Software, Products, and/or Services, or by participating in Our Affiliate Program, you agree to this Privacy Policy. We reserve the right, at our discretion, to change, modify, add, or remove portions of this policy at any time. All Privacy Policy changes will take effect immediately upon their posting on The Websites. Please check this page periodically for changes. Your continued use of The Website or acceptance of any email from Us following the posting of changes to these terms will mean that you accept these changes.

Governing Law

The laws of the State of Florida, Volusia County, United States shall apply to any claim or dispute under this Privacy Policy. You agree that any legal action or proceeding that arises under this Privacy Policy or the parties' obligations hereunder for any purpose concerning this Privacy Policy or the parties' obligations hereunder, will first attempted to be resolved with the help of a mutually agreed-upon online mediator. Any costs and fees (other than attorney fees) associated with the mediation will be shared equally by the parties.

If it proves impossible to arrive at a mutually satisfactory solution through online mediation, you agree that the dispute will be submitted to binding arbitration either online or in Volusia County, State of Florida, United States, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.
In no case shall you have the right to go to court or have a jury trial. You will not have the right to engage in pre-trial discovery except as provided in the rules; you will not have the right to participate as a representative or member of any class of claimants pertaining to any claim subject to arbitration; the arbitrator's decision will be final and binding with limited rights of appeal.
Any cause of action or claim you may have with respect to this Privacy Policy, The Website(s), or The Materials must be commenced within ninety (90) days after the claim or cause of action arises or such claim or cause of action is barred. Any

Definitions

THE DEFINITIONS WHICH FOLLOW ARE MEANT ONLY FOR CONVENIENCE. FOR A COMPLETE LIST OF DEFINITIONS, REFERENCE IS MADE TO THE OTHER APPLICABLE LEGAL AGREEMENTS LOCATED ON THE WEBSITE(S) INCLUDING ANY LICENSE THAT MAY APPLY TO SPECIFIC PRODUCTS, REPORTS, OR SOFTWARE, ANY PRIVACY STATEMENT, ANY AFFILIATE OR INDEPENDENT LICENSEE/PARTNER AGREEMENT, ANY DISCLAIMER, AND ANY TERMS AND CONDITIONS (OF USE), OF THE SITES WHICH ARE HEREBY INCORPORATED BY REFERENCE AS IF THEY WERE FULLY SET FORTH HEREIN. THE LEGAL DOCUMENTS LOCATED ON THE WEBSITE(S) ARE SUBJECT TO CHANGE WITHOUT NOTICE, AS MAY THIS INCOME/EARNINGS DISCLAIMER. YOU ARE DIRECTED TO REGULARLY CHECK THE WEBSITE(S) FOR THE MOST CURRENT VERSION OF THESE DOCUMENTS AND YOU ARE RESPONSIBLE FOR CONFORMING YOUR ACTIONS TO THE MOST CURRENT VERSION OF THESE DOCUMENTS.

"We", "Us", and "Our" refers to Joe e. Clayton, Jr., Gina Gaudio-Graves, Esq. and their indidivudal companies, Creative Software, Free Software Forever, and The Abundance Group, LLC. The term also refers to the authors, publishers, and programmers of any eBooks, Reports, and/or Software contained on the Magnibar and IBsoftshops website(s) as well as to the Independent Licensee/Operators of any website(s) from which these eBooks, Reports, and/or Software may be sold. The terms "We" refers to each of these individually as well as collectively.

"The Website(s)" refers to the magnibar.com website(s), the IBSoftshops website(s), the AbundantAudio website(s), as well as to the website(s) of any Independent Licensee(s)/Operator(s) through which the applicable eBooks, Reports, and/or Software are available, as well as to the specific content, information, suggestions, ideas, or techniques provided on The Website(s).

"The Materials" refers to any eBooks, Reports, Software, or other information, content, suggestions, ideas, or techniques, from or through The Website(s).

"You" refers to any Member, Purchaser. Licensee, Affiliate, or other individual or entity who has any interest in or who is currently, licensing, purchasing, joining, participating in, responding to, following, or adhering to any program, strategy, or information owned, operated, licensed, provided, and/or offered by those indivudals and entities described as "We", "Us", and "Our" on any of said website(s), or contained in any eBooks, Reports, or Software, provided through the websites mentioned above.

Disclaimer

We do not make any implications, warranties, promises, suggestions, or guarantees whatsoever, in any manner of speaking, in whole or in part, that by purchasing, licensing, joining, participating in, responding to, following, or adhering to the information contained in or on The Website(s) or in any of The Materials, that You will earn any money whatsoever (or whatever the content in question may appear to imply).

The testimonials and examples used are exceptional results, don't apply to the average person and are not intended to represent or guarantee that anyone will achieve the same or similar results, or any results whatsoever. Where specific income or earnings figures are used and attributed to a specific individual or business, that individual or business has earned that amount. There is no assurance that You will do as well using the same information, content, or strategies. If You rely on the specific income or earnings figures used, You must accept the risk of not doing as well as well as the risk of earning nothing at all.

Your success in using the information or strategies, or participation in any Partner Program, Independent Licensee/Operator Program, or any Affiliate Program that might be available through Us, depends on a variety of factors. We have no way of knowing how well You will do, as we do not know You, 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 You will do as well, or that You will have any earnings, at all.

Internet businesses and earnings derived therefrom, involve unknown risks and are not suitable for everyone. You may not rely on any information, content, or strategies presented on the website(s) or any information, content or strategies presented in the applicable eBooks, Reports and/or Software, 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 license any of The Materials, or any webiste(s) whatsoever, and/or any monies spent setting up, operating, and/or marketing such website(s) and/or The Materials, and/or any fees required by law or by merchants to license, start, set up, or operate such website(s) or autoresponder(s) from which you distribute any licensed copy of The Materials, and/or any other monies expended at all with regard to such website(s) and/or The Materials, and/or any monies spent for any purpose whatsoever in relation to, or on account of, The Materials, and/or any such website(s), and further, that You may have no earnings at all.

MATERIALS CONTAINED ON THE WEBSITE(S) OR IN THE MATERIALS 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 THE WEBSITE(S), OR IN THE MATERIALS, 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, OUR ESTIMATES, OR THE RESULTS OF ANYBODY ELSE. IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM THE INFORMATION, CONTENT, SUGGESTIONS, IDEAS AND/OR TECHNIQUES AVAILABLE ON THE licensed professionals. Nothing contained on The Website(s) or in The Materials is intended to provide legal advice or services in any way and is provided only for informational purposes. You should consult with Your own attorney on any legal questions You may have.

We assume no responsibility whatsoever for any losses or damages resulting from Your use of The Website(s), The Materials, or any link, information, or opportunity contained within The Website(s) or The Materials, or within any other information disclosed Us in any form whatsoever.

The laws of the State of Florida, Volusia County, United States shall apply to any claim or dispute under this Disclaimer. You agree that any legal action or proceeding that arises under this Disclaimer or the parties' obligations hereunder for any purpose concerning this Disclaimer or the parties' obligations hereunder, will first attempted to be resolved with the help of a mutually agreed-upon online mediator. Any costs and fees (other than attorney fees) associated with the mediation will be shared equally by the parties.

Any cause of action or claim you may have with respect to this Disclaimer, The Website(s), or The Materials must be commenced within ninety (90) days after the claim or cause of action arises or such claim or cause of action is barred. Any failure to insist upon or enforce strict performance of any provision of this Disclaimer 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 provision of this Disclaimer. Any of Us may assign Our individual and/or collective rights and duties under this Disclaimer to any party at any time without notice to you. Use of headings in this document is for convenience only and does not identify legal boundaries or terms explicitly.

Please note that We may change the content of The Website(s), The Materials, and this Income/Earnings Disclaimer (and the agreement this creates) without prior notice given to you simply by posting a revised copy of this Disclaimer on The Website(s). You are directed to The Website(s) to obtain the most current version of this document. This Disclaimer represents the ENTIRE agreement between Us and You regarding all the matters that have been discussed herein.


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