Terms And Conditions 
These terms and conditions govern your use of this website and our membership site(s). By accessing this website and/or our membership site(s), you are acknowledging and accepting these terms and conditions. These terms and conditions are subject to change by CHARLIE KLARSKOV COMPANY (hereinafter “CKC”) at any time and at our discretion without notice. Your use of this website and/or our membership site(s) after any changes are implemented constitutes your acceptance of the changes. As a result, we encourage you to consult the terms and conditions each time you use this website and/or our membership site(s).

INTELLECTUAL PROPERTY
You acknowledge and agree that all content and materials available on this site are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by CKC, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content.
As noted above, reproduction, copying, or redistribution for commercial purposes of any materials or design elements on this site is strictly prohibited without the express written permission of CKC. For information on requesting such permission, please contact us at support@charlieklarskov.

THIRD PARTY REFERENCES / HYPERLINKS
This site and/or our membership site(s) may link you to other sites on the Internet. These sites may contain information or material that some people may find inappropriate or offensive. These other sites are not under the control of CKC, and you acknowledge that CKC is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites. The inclusion of such a link does not imply endorsement of the site by or any association with its operators.

MEMBERSHIP PROGRAM(S) PRICING
CKC may offer one or more membership programs on this website. The pricing for any such membership program will be clearly stated on the applicable order form.

DISCLOSURE OF INFORMATION ON PRIVATE MEMBERSHIP SITE
As a member of one of the membership programs offered by CKC, you may submit content to the membership site, including photos and user comments. You shall be solely responsible for your own content and the consequences of submitting and publishing your content.
You further agree and understand that other individual members of the program that are separate from CKC may see the information that you post on any applicable membership site. For this reason, you agree that you shall NOT post any information that you do not want others to see. You agree that anything you post in the applicable membership site is at your own risk, and you further agree to hold CKC harmless from any and all damage that could occur to you from any information that you post. For additional details, please see our Privacy Policy.
You affirm, represent, and warrant that you own or have the necessary licenses, rights, consents, and permissions to publish content you submit. You agree that content you submit will not contain third party copyrighted material, or material that is subject to other third party proprietary rights, unless you have permission from the rightful owner of the material or you are otherwise legally entitled to post the material and to grant CKC all of the license rights granted herein. CKC does not endorse any content submitted to CKC by any user or another licensor.

YOUR CONDUCT
CKC does not permit copyright infringing activities and infringement of intellectual property rights on this site and/or membership site(s), and CKC will remove all content if properly notified that such content infringes on another’s intellectual property rights.
You also affirm, represent, and warrant that your participation on this website and/or in the membership program(s) and the content you submit does not relate to pornography, illegal activities of any kind, occult, hate, or racism. You also affirm, represent, and warrant that you shall not make any statements or take any actions against CKC or other members that would constitute libel or slander.
CKC reserves the right to make the final decision regarding what is appropriate. CKC further reserves the right to remove content or terminate your account without prior notice for a violation of this provision.

CUSTOMER DISCLAIMERS
CKC is not acting as a financial or legal advisor and does not guarantee that you will achieve any particular result from participating in any of CKC’s membership programs or from using any of the information on this site. Please see our complete earnings disclaimers for details.

ABILITY TO ACCEPT TERMS AND CONDITIONS
You affirm that you are either more than 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms and Conditions, and to abide by and comply with these Terms and Conditions.

CONTACTING US
If you need to contact us, you can submit a support ticket at http://www.charlieklarskov.com/support, email us atsupport@charlieklarsko.com. No phone or regular mail communications are available.

DISCLAIMER OF WARRANTIES
ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS SITE (THE “CONTENT”) ARE PROVIDED “AS IS” AND “AS AVAILABLE” FOR YOUR USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. CKC AND ITS AGENTS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES SHALL CKC OR ITS AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THIS SITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF CKC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, CKC’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

INDEMNIFICATION
Upon a request by CKC, you agree to defend, indemnify, and hold CKC and its other affiliated companies harmless, and their employees, contractors, officers, and directors from all liabilities, claims, and expenses, including attorney’s fees, that arise from your misuse of this site and/or the membership programs.

SEVERABILITY AND INTEGRATION
Unless otherwise specified herein, this agreement constitutes the entire agreement between you and CKC with respect to this site and supersedes all prior or contemporaneous communications between you and CKC with respect to this site. If any part of these Terms and Conditions is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

JURISDICTION
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Texas. You hereby consent to binding arbitration in the State of Texas to resolve any disputes arising under this Terms and Conditions.

Privacy
Please read this Privacy Policy before using this site or submitting any personal information.
By using this website, you accept the privacy practices contained in this Privacy Policy. These privacy practices may change from time to time, but any changes will be posted. You are encouraged to review the Privacy Policy whenever you visit the website to make sure you understand how any personal information you provide will be used.

Personally Identifiable Information
In order to serve our customers, we collect personally identifiable information, like names, addresses, phone numbers, email addresses, and sometimes credit card information when such information is voluntarily submitted by our visitors. We will only use your personal information for the following purposes: (1) to deliver the products and/or services to you that you have requested; (2) to validate your compliance with the terms and conditions; (3) for content improvement and feedback purposes; (4) to reach you, when necessary, regarding your use of the website or product(s); and (5) for the few situations described below to better serve you.

In order to better serve our customers and to provide you with other offers that may interest you, we reserve the right to share your personally identifiable data with our commonly owned companies, including CHARLIE KLARSKOV COMPANY.
We will NEVER share your personally identifiable information with third parties unless you have given us explicit permission to do so, such as in order to fulfill a third party offer that you have accepted from us. However, by permitting us to collect this information, you will be able to receive information on other products and services that may be of interest to you, including related third party offers that we may send directly to you. You also enable us to personalize your experience with us so that we can provide you with the highest quality of service.

By submitting your email address on this website, you agree to receive an email from us (Charlie Klarskov), as well as our other future owned companies by CHARLIE KLARSKOV. You can cancel your participation in any of these email lists at any time by clicking the opt-out link or other unsubscribe option that is included in the respective email. We only send emails to people who have authorized us to contact them, either directly, or through a third party. We do not send unsolicited commercial emails because we hate spam as much as you do.

By participating in one of our membership programs, you agree and understand that other members of the program may see the comments, questions, photos, and/or other documents that you post on the membership site, as well as any responses to you that are posted by Charlie Klarskov or other members. If you do not want your personal details revealed to other members of the program, then please do not post any such information on the membership site.

In addition, you agree that by submitting your telephone contact information on this website and/or registering to receive the product and/or service offered herein, such act constitutes a purchase, an inquiry, and/or an application for the purposes of the Amended Telemarketing Sales Rule (ATSR), 16 CFR ‘310 et sec. and any applicable state and local “do not call” regulations. We retain the right to contact you via telemarketing in accordance with the ATSR and the applicable state regulations.

Non-Personally Identifiable Information
We also may collect various types of non-personally identifiable information to help us make your experience more enjoyable, measure site activity to identify future improvements that should be made, and compile aggregate data to help serve site visitors better.
For example, we may use session and persistent “cookies,” session logs, web beacons, GIF/pixel tags, banner ads, third-party click tracking analytics tools (such as Google Analytics), third party retargeting networks that may display our advertisements to you on other sites that you visit to remind you of us, and third party networks that serve user-requested emails (e.g., for a refer-a-friend email) to collect non-personally identifiable or other aggregated information about site visitors.Cookies are text files that are used by your computer’s web browser to store your preferences and enable us to enhance your user experience with our website.

Emails or newsletters that we send electronically may use techniques such as web beacons or pixel tags to gather email metrics and information to improve the reader’s experience, such as the number of emails that are opened, whether they were forwarded or printed, the type of device from which they were opened, and the location (e.g. city, state, and county) associated with the applicable IP address.
If you visit this site with an open ID (such as Facebook), you may also be sharing and integrating data with third-party social media sites, and we may track aggregate data about the number of visits to this site with an open ID, the number of items “liked” on this site, or items on this site that you choose to share with a third-party social media site.

Other parties such as advertising partners and analytics companies may also be collecting information about your online activity across various websites over time. The information collected by those third parties may include identifiers that allow those third parties to tailor the ads that they serve to your computer or another device.

Because there is not yet a common understanding of how to interpret web browser-based “Do Not Track” signals other than cookies, we do not currently respond to “Do Not Track” signals that are undefined.
Please note that you do have the option to configure most web browsers to NOT accept cookies. However, be aware that disabling cookies may keep you from having access to some functions or services on our website or the web-hosted software that runs on our website.

Third Party Actions
We do not control and are not liable for the actions of any third parties who we may promote. We pride ourselves in working with quality companies but have no control over the actions of those third parties. While we are not liable for any of the actions of those third parties, you should feel free to give us feedback from time to time on your experiences with any third parties to whom we work with so that we may enhance our future service to all customers.

Children’s Privacy
We do not knowingly intend to collect personally identifiable information from children under 18 years of age.

 IP Addresses
We may use your IP address to help prevent fraud, to help diagnose problems with our server, to gather broad demographic information, and to offer you products and services.

 Third Party Web Sites
This website and/or the products and/or services offered herein may direct you to websites that are owned and/or controlled by third parties. We have no control over those third parties and are not responsible for the content or the privacy practices of those sites or companies.

Commitment to Data Security
All information collected from you is stored in a technically and physically secure environment. Furthermore, employees, contractors, and vendors who have access to your personally identifiable information in connection with providing services for us are required to keep the information confidential.
We use SSL encryption to protect sensitive information online, and we do everything we can to protect user information offline. Unfortunately, no transmission over the Internet can be guaranteed to be 100% secure. As a result, while we take reasonable measures to protect your information, we cannot ensure or warrant the security of the information that you transmit to us, and you do so at your own risk.

Disclaimer
CHARLIE KLARSKOV COMPANY, Its officers, directors, employees, subsidiaries, affiliates, licensors, service providers, and agents are NOT financial advisors, and nothing contained on this website or part of the membership program is intended to be financial advice. CharlieKlarskov.com and intelligentretirementplanning.com are NOT an investment advisory service, NOT an investment advisor, and does NOT serve as a financial advisor or provide personalized financial advice in any way.

Furthermore, the services, strategies, information, and/or products offered by Charlie Klarskov on this website, through the membership program, and/or elsewhere are not to be interpreted as a promise or guarantee of earnings or any specific result.
The education and information presented by Charlie Klarskov are intended for a general audience and does not purport to be, nor should it be construed as, specific financial, legal, or other advice tailored to any individual. You are encouraged to discuss any opportunities with your attorney, accountant, financial professional, or other advisors.

In fact, your personal level of success in attaining the results from using our information, strategies, and/or products totally depends upon your own individual circumstances, the effort you devote to your own financial success, the ideas and techniques used, your finances, the various strategies that your financial, legal, and other advisors may have suggested that you implement, your knowledge, and various other skills. Since these factors differ among each individual, we cannot guarantee your success or income level, nor are we responsible for any of your actions.
Any and all forward-looking statements on this website, membership program, and/or in any of our products are intended to express our opinion of the earnings potential that some people may achieve. To the extent that we included any case studies or testimonials on this site, you can assume that none of these stories in any way represent the “average” or “typical” customer experience.

YOU FULLY AGREE AND UNDERSTAND THAT CHARLIE KLARSKOV COMPANY IS NOT RESPONSIBLE FOR YOUR SUCCESS OR FAILURE AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER THAT OUR PRODUCTS OR SERVICES WILL PRODUCE ANY PARTICULAR RESULT FOR YOU.
YOUR USE OF THE INFORMATION CONTAINED ON THIS WEBSITE AND/OR MEMBERSHIP PROGRAM IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED ‘AS IS’ AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. CHARLIE KLARSKOV DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. CHARLIE KLARSKOV COMPANY DOES NOT PROMISE OR GUARANTEE ANY INCOME OR PARTICULAR RESULT FROM YOUR USE OF THE INFORMATION CONTAINED ON THIS WEBSITE AND/OR MEMBERSHIP PROGRAM. CHARLIE KLARSKOV COMPANY ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED ON THIS WEBSITE AND/OR MEMBERSHIP PROGRAM.

CHARLIE KLARSKOV COMPANY WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF REVENUE OR INCOME, PAIN, AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF CHARLIE KLARSKOV COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF CHARLIE KLARSKOV COMPANY TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO CHARLIE KLARSKOV COMPANY FOR THE INFORMATION, PRODUCT OR SERVICE OUT OF WHICH LIABILITY AROSE.
UNDER NO CIRCUMSTANCES WILL CHARLIE KLARSKOV COMPANY BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE AND/OR MEMBERSHIP PROGRAM. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT CONTAINED ON THIS WEB SITE AND/OR MEMBERSHIP PROGRAM. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT.