Copyright Notice, Terms of Use, and Disclaimer

The information in all Ebooks, Reports, or any other Digital Products and associated Web sites is protected by copyright:

Copyright © 2002-2007 David Gray. All rights reserved.

Except as specifically permitted herein, no portion of the information in this Web site or any associated Ebook, Reports, or any other Digital Products may be reproduced in any form or by any means without the prior written permission from David Gray, hereafter referred to as "the Author".

Use of Ebook, Report, or other Digital Product and/or associated Web site Information: Except as otherwise indicated elsewhere in any Ebook, Report, other Digital Product, or on any associated Web site, you may view, copy, print, and distribute documents available in any Ebook, Report, other Digital Product, or on any associated Web site subject to the following conditions:


The document may be used solely for personal, informational, and commercial purposes approved by the Author;
The document may not be modified or altered in any way;
Any copy of the document or portion thereof must include the copyright notice above and the appropriate permission notice; and
The Author reserves the right to revoke such authorization at any time, and any such use shall be discontinued immediately upon written notice from the Author.
Documents specified above include the design or layout of the Ebooks, Reports, other Digital Products, and/or associated Web sites. Elements of the Ebooks, Reports, other Digital Products, and/or associated Web sites are protected by trade dress and other laws and may not be copied or imitated in whole or in part.

Warranties and Disclaimers

EXCEPT AS EXPRESSLY PROVIDED OTHERWISE IN AN AGREEMENT BETWEEN YOU AND THE AUTHOR, ALL INFORMATION AND SOFTWARE IN ANY EBOOK, REPORT, OTHER DIGITAL PRODUCT, AND/OR ASSOCIATED WEB SITES ARE PROVIDED "AS IS" WITHOUT ANY OTHER WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABLE QUALITY, SATISFACTORY QUALITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THOSE ARISING BY LAW, STATUTE, USAGE OF TRADE, OR COURSE OF DEALING. THE AUTHOR ASSUMES NO RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION OR SOFTWARE OR OTHER DOCUMENTS WHICH ARE REFERENCED BY OR LINKED TO ANY EBOOK, REPORT, OTHER DIGITAL PRODUCT, AND/OR ANY ASSOCIATED WEB SITES.

REFERENCES TO CORPORATIONS, AND/OR THEIR SERVICES AND PRODUCTS, ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. IN NO EVENT SHALL THE AUTHOR BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOSS OF USE, DATA, OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF DAMAGE, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS INFORMATION. SOME STATES/COUNTRIES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

ANY EBOOK, REPORT, OTHER DIGITAL PRODUCT, AND/OR ASSOCIATED WEB SITES COULD INCLUDE TECHNICAL OR OTHER INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN; THESE CHANGES WILL BE INCORPORATED IN NEW EDITIONS OF ANY EBOOK, REPORT, OTHER DIGITAL PRODUCT, AND/OR ASSOCIATED WEB SITES. THE AUTHOR MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE PRODUCT(S) AND/OR THE PROGRAM(S) DESCRIBED IN THIS WEB SITE AT ANY TIME.

These Ebooks, Reports, other Digital Products, and/or associated Web sites can be accessed from other countries around the world and may contain references to products, services, and programs that may not be available in your country. These references do not imply that the Author intends to make such products, services or programs available in your country.


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Unless otherwise explicitly stated herein, any non-personal information or material sent to the Author will be deemed NOT to be confidential. By sending the Author any non-personal information or material, you grant the Author an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information, and you also agree that the Author is free to use any ideas, concepts, know-how or techniques that you submit for any purpose. However, we will not release your name or otherwise publicize the fact that you submitted materials or other information to us unless: (a) you grant us permission to do so; (b) we first notify you that the materials or other information you submit to a particular part of a site will be published or otherwise used with your name on it; or (c) we are required to do so by law.

Links to Third-Party Ebooks, Reports, other Digital Products, and/or associated Web sites

These Ebooks, Reports, other Digital Products, and/or associated Web sites contain links to third-party Web sites, which are not under the control of the Author. The Author makes no representations whatsoever about any other Web site to which you may have access through these Ebooks, Reports, other Digital Products, and/or associated Web sites. When you access such a Web site, you do so at your own risk and the Author is not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on these sites. The Author provides these links merely as a convenience and the inclusion of such links does not imply that the Author endorses or accepts any responsibility for the content or uses of such Web sites.

Governing Law and Jurisdiction

These Ebooks, Reports, other Digital Products, and/or associated Web sites (excluding linked sites) are controlled by the Author from his offices within the State of Tennessee, United States of America. By accessing these Ebooks, Reports, other Digital Products, and/or associated Web sites, you and the Author agree that all matters relating to your access to, or use of, these Ebooks, Reports, other Digital Products, and/or associated Web sites shall be governed by the statutes and laws of the State of Tennessee, without regard to the conflicts of laws or principles thereof. You and the Author also agree and hereby submit to the exclusive personal jurisdiction and venue of the courts of the State of Tennessee with respect to such matters. The Author makes no representation that materials in these Ebooks, Reports, other Digital Products, and/or associated Web sites are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

Trademark Information

The trademarks, logos and service marks (“Marks”) displayed on these Ebooks, Reports, other Digital Products, and/or associated Web sites are the property of the Author or other third parties. You are not permitted to use the Marks without the prior written consent of the Author or such third party which may own the Marks.

Note: The following Member's Agreement and Terms of Use, Legal Disclaimer, 
and Earnings and Forward Looking Statements Disclaimer are included here
to protect YOUR business, and the time, effort, energy, and money that
you invest in building your business and your income with this Program.

Member's Agreement and Terms of Use

Upon receipt of any Ebook, Report, or other Digital Product, you agree to the following Terms of Use:

You are allowed to distribute any Ebook, Report, or other Digital Product according to the terms outlined herein and in the OnlineBusinessAlliance.com web site.

Any blatant or repeated violations of these Terms of Use will result in your account being suspended and/or deleted.

THE AUTHOR RESERVES THE RIGHT TO MODIFY THESE TERMS OF USE AT ANY TIME.

Legal Disclaimer

Please take note of the following legal disclaimer and terms of use. It is not meant to alarm you, just to make sure you have a realistic understanding of what is being offered here.

The author and/or distributor of these Ebooks, Reports, and other Digital Products make no stated or implied guarantees as to how much money you will earn using this package.

The Ebooks, Reports, and other Digital Products are designed to provide accurate, useful information and links to third-party resources which you can utilize to create an income online. Not everyone will be successful in this or any other business. Success requires patience, persistence and a willingness and determination to undertake a process of continued learning.

The author is in no way responsible for any actions, investments, or losses you may incur as a result of reading any of these Ebooks, Reports, or other Digital Products, and/or associated Web sites or implementing the instructions contained herein.

You agree that you are permitted to distribute these Ebooks, Reports, and/or other Digital Products provided you do not alter any contents in any way. You agree that you are not permitted to promote any pornographic material or material promoting hatred in any form via this vehicle.

Earnings and Forward Looking Statements Disclaimer


EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT THESE PRODUCTS AND THEIR 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 THESE PRODUCTS, 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 ANY PROMOTIONAL MATERIALS DEPENDS ON THE TIME YOU DEVOTE TO YOUR BUSINESS, IDEAS AND TECHNIQUES EMPLOYED, YOUR FINANCES, INDIVIDUAL KNOWLEDGE AND/OR 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 PRODUCTS 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 OR COMMUNICATIONS ARE INTENDED TO EXPRESS OUR OPINION OF EARNINGS POTENTIAL. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSE'S, IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL.

AS ALWAYS, THE ADVICE OF A COMPETENT LEGAL, TAX, ACCOUNTING, OR OTHER PROFESSIONAL SHOULD BE SOUGHT.