BACKGROUND:
This disclaimer applies as between you, the user of this and any web site you visit that is owned and operated by Universal Media-online.com. This disclaimer applies to all sites owned and operated by Universal Media-online.com

Definitions and Interpretation 
In this disclaimer the following terms shall have the following meanings: 

"Materials" means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Web Site or inside our products;

"Universal Media-online.com" means Universal Media-online.com, ourselvesna dn our company;

"Service" means collectively any online facilities, tools, services or information that Universal Media-online.com makes available through the Web Site either now or in the future;

"User" / "Users" means any third party that accesses the Web Site and is not employed by Universal Media-online.com and acting in the course of their employment;

and "Web Site" means the website that you are currently using and any sub-domains of this site and all sites owned by Universal Media-online.com unless expressly excluded by their own individual terms and conditions.

You are deemed to have read and understood this statement prior to making any purchase of our products or services:

We believe that every effort has been made to accurately represent our products and services and their potential.  We do not offer any guarantees that you will earn any money using the techniques and ideas contained in our products or by use of our services. Any examples in our materials are not to be interpreted as a promise or guarantee of earnings because earning potential is totally dependent on the person using our products and services, and the ideas and techniques offered in them.

Nothing we sell is a Get Rich Scheme.

Any claims made in our sales letters and products of actual earnings or instances of actual results used as examples can be verified upon request. You must recognise that your level of success in achieving the results claimed or shown depends solely on the time you devote to the program, the specific ideas and techniques explained and discussed, your own finances, your own knowledge and your own various skills. Since all of these factors differ from individual to individual, we do not and will not guarantee your success or income level. Nor do we accept any responsibility for any of your actions. 

Our products and sales pages 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 expectation or forecast of future events. These are identifiable as they do not relate strictly to historical or current facts. We will use words such as anticipate, estimate, expect, project, intend, plan, believe, and other words and terms related in meaning in connection with a description of potential earnings or potential financial performance. Please be aware that any and all of these forward looking statements here or contained in any of our sales materials are intended only to express Universal Media-online.com's opinion of earnings potential. Many more 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. No guarantees are made that you will achieve any results from our ideas and techniques in our materials.

All Testimonials on any of our sites are from real people who have supplied quotes and have given permission for those quotations to be used as real testimonials for the products.

Changes to this disclaimer
Universal Media-online.com reserves the right to change this disclaimer as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the web site and you are deemed to have accepted the terms of the disclaimer on your first use of the web site following the alterations.