DISCLAIMER NOTICE:

The following describes the Disclaimer for our TWFSystems.com, TrueWealthFormula.com and WealthBuilder.io websites. You understand, acknowledge, and agree that we are not affiliated with any company, person, or organization of any kind mentioned on these websites in any way. Company names, products, logos, trademarks and any other proprietary intellectual property or otherwise belongs to the rightful owner, which is not us. You should not assume, even if a company name is in the website/domain name of this website, that there is an express, implied, or otherwise agreement, joint venture, partnership, or other relationship between us as website proprietors and any of these companies that are discussed merely for educational or other purposes. The opinions, estimates, expectations, and projections contained in any disseminated information are accurate as of the date of release and are subject to change without additional notice. We do our best to ensure that the research has been compiled, obtained, discerned, or interpolated from reliable and trustworthy sources, and therefore believe the positions and beliefs shared are accurate and complete, though obviously not all material known or obtained will be contained, as distilling information into manageable quantity is in large part a goal. We are not responsible for any errors or omissions contained in any disseminated material and are not liable for any loss incurred as a result of using the material in any way. The intent is merely to provide useful information, products, and services, some of which we may be compensated for. Nothing offered by us should be considered personalized investment advice. While our employees and/or contributors may answer your general customer service questions, they can not help you with specific investment questions and decisions, as they are not licensed under securities laws to deal with your particular investment situation. No communication by our employees and/or contributors to you should be construed as personal, individualized investment advice. You should consult with competent, professional help and read any available Prospectus or Public Company information. These websites contain or may contain “forward looking statements” within the meaning of Section 27A of the Securities Act of 1933 and Section 21B of the Securities Exchange Act of 1934. Any statements that express or involve discussions with respect to predictions, expectations, beliefs, plans, projections, objectives, goals, assumptions or future events or performance are not statements of historical fact and may be “forward looking statements.” Forward looking statements are based on expectations, estimates and projections at the time the statements are made that involve a number of risks and uncertainties which could cause actual results or events to differ materially from those presently anticipated. Forward looking statements in this action may be identified through the use of words such as “expects”, “will,” “anticipates,” “estimates,” “believes,” or statements indicating certain actions “may,” “could,” or “might” occur. Nothing on these websites or otherwise disseminated by us in conjunction with it should be taken as medical, legal, accounting or other such advice.

CHANGE NOTICE:

As with any of our administrative and legal notice pages, the contents of this page can and will change over time. Accordingly, this page could read differently as of your very next visit. These changes are necessitated, and carried out by TWF Systems in order to protect you and our websites.

QUESTIONS/COMMENTS/CONCERNS:

If you have any questions about the contents of this page, or simply wish to reach us for any other reason, you may do so by using our contact information.

TWF Systems
3225 McLeod Dr. #100

Las Vegas, NV 89121

Phone: 800-528-8702

TERMS OF USE:

Thank you for visiting TWFSystems.com and/or any of our network of websites (“Site”). This Site is a service made available to you by TWF Systems a dba of Veradix Inc., a Nevada corporation (“We” or “Us”). This Site is owned by us. All content, products and services provided on and through this Site may be used only under the following terms and conditions (“Terms of Use”). YOUR USE OF THIS SITE CONSTITUTES YOUR AGREEMENT TO BE BOUND BY THE TERMS OF USE. PLEASE READ THEM CAREFULLY BEFORE USING THIS SITE. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS OF USE, DO NOT USE THIS SITE.

All content, materials, text, graphics, audio streams, video streams, webcasts, podcasts, user interfaces, visual interfaces, photographs, trademarks, service marks, logos, sounds, music, artwork and computer code (collectively, “Content”), including but not limited to the design, structure, selection, coordination, expression, “look and feel” and arrangement of the Content, contained on our Site is owned, controlled or licensed by or to us, and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

YOUR USER LICENSE:

As long as you comply with these Terms of Use, you are granted a limited, nonexclusive, nontransferable license to access this Site and its Content in accordance with these Terms of Use. If you are under 18 years of age, you may not use this Site. Our Site is hosted in the United States but contains some general information that is appropriate for global access and use. We make no representation that all materials on the Site are appropriate or available for use in locations outside the United States, and accessing them from territories where their contents are illegal is prohibited. Any references on this Site to specific products and services are applicable only to those available in the United States, and any product claims and comparisons to other products on the Site apply within the United States only. Those who access this Site from other locations do so on their own initiative and are responsible for compliance with local laws, including laws regarding the transmission of technical data exported from the United States or the territory in which they reside. We reserve the right to refuse service in our sole discretion and without notice. You are solely responsible for your use of the Site, and you agree to compensate, hold harmless, and defend us from any claims, damages, losses, liabilities, costs, and expenses, including attorneys’ fees, resulting from your use or misuse of the Site. Posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic, or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law, is strictly prohibited.

LIMITATIONS ON YOUR USE:

No Content from our Site may be copied, reproduced, republished, uploaded, downloaded, posted, displayed, encoded, translated, transmitted, or distributed in any way, except that you may download one copy of the Content on any single computer for your personal, noncommercial home use only, provided that(i) you keep intact all copyright and other proprietary notices, and (ii) you make no modifications to such Content. You may not use the Content for any commercial purpose without our prior written permission. You may not, without our prior written permission, co-brand this Site, frame this Site, hyper-link to this Site or mirror any Content contained on this Site on any other server. The unauthorized use of any such Content on any other Website or computer environment is expressly prohibited. All trademarks, service marks, trade names, and trade dress are proprietary to us. For purposes of these Terms of Use, “co-branding” means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this Site or Content accessible within this Site. You agree to cooperate with us in causing any unauthorized co-branding, framing, hyper-linking or mirroring immediately to cease.

WEBCASTS OR PODCASTS:

From time to time, we may provide webcasts or podcasts on this Site. Unauthorized recording or downloading of any webcast or podcasts is not permitted. Any rebroadcast, rewebcast or repodcast of these events is prohibited without our express prior consent.

PRIVACY AND YOUR PERSONAL INFORMATION:

Your use of our Site is also subject to the terms of our Privacy Statement. You acknowledge that you have read and understand our Privacy Statement, and consent to the use of any personal information you provide in accordance with the terms of, and for the purpose set forth in, our Privacy Statement.

INTELLECTUAL PROPERTY RIGHTS & COPYRIGHT:

The Content and other matters related to the Site are protected under applicable copyright laws, ALL RIGHTS RESERVED, to the full extent that such Content can be protected under such copyright laws. The posting of any such elements on this Site does not constitute a waiver of any right in such elements. You do not acquire ownership rights to any such elements viewed through this Site. Except as otherwise provided herein, none of these elements may be used, copied, reproduced, downloaded, posted, displayed, transmitted, modified, or distributed in any form or by any means, including, without limitation, electronic, mechanical, photocopying, recording, or otherwise, without our prior written permission.

TRADEMARKS & SERVICE MARKS:

All trademarks, service marks, product names, company names, logos and trade dress on this Site, unless otherwise noted, belong to us (the “Marks”). All other trademarks, service marks, product names, company names, logos, and/or trade dress mentioned, displayed, cited or otherwise indicated on this Site are the property of their respective owners. The use or misuse of any Marks or any other materials contained on this Site, without the prior written permission of their owner, is expressly prohibited.

WARRANTY DISCLAIMER:

OUR SITE, ITS CONTENTS AND OUR PRODUCTS AND SERVICES ARE PROVIDED “AS IS” AND WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON INFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. WE MAKE NO REPRESENTATION OR WARRANTY WHATSOEVER REGARDING THE COMPLETENESS, ACCURACY, CORRECTNESS, INTEGRITY, RELIABILITY, CURRENCY, ADEQUACY, SUITABILITY, FUNCTIONALITY, AVAILABILITY, OR OPERATION OF: (i) THIS SITE, THE CONTENT OR SERVICES PROVIDED ON, OR ACCESSIBLE FROM THIS SITE, OR (ii) OUR PRODUCTS OR SERVICES. WE DO NOT WARRANT THAT THE OPERATION OF THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT THIS SITE IS FREE FROM VIRUSES, WORMS OR OTHER HARMFUL COMPONENTS TO COMPUTER EQUIPMENT OR SOFTWARE.

EARNINGS AND INCOME DISCLAIMERS:

ANY EARNINGS OR INCOME STATEMENTS on this site or in our products ARE ONLY ESTIMATES. Your earnings and income may vary greatly depending on a wide variety of factors, including your geographic location, competition in your market area, your business and management expertise, your work ethic, your background, economic and market conditions, labor and product costs, etc. there are significant and unknown risks involved in using our products and services. THEREFORE, WE DO NOT GUARANTEE OR IMPLY THAT YOU WILL DO BETTER THAN, OR AS WELL AS, SUCH EARNING OR INCOME STATEMENTS. IN FACT, YOU MAY NOT MAKE ANY MONEY ATALL AND MAY EVEN LOSE MONEY. WHERE SPECIFIC EXAMPLES OF EARNINGS OR INCOME ON THIS SITE OR IN OUR PRODUCTS ARE USED, AND ATTRIBUTED TO AN INDIVIDUAL OR BUSINESS, THOSE PERSONS OR BUSINESSES HAVE REPRESENTED TO US THAT THEY EARNED THAT AMOUNT BUT WE HAVE NOT CONFIRMED THAT CLAIM. THERE IS NO ASSURANCE THAT YOU WILL HAVE SIMILAR EARNINGS OR INCOME AND THERE IS NO ASSURANCE THAT ANY PRIOR SUCCESSES, OR PAST RESULTS, OF ANOTHER INDIVIDUAL OR BUSINESS IS AN INDICATOR FOR YOUR FUTURE SUCCESS OR RESULTS. ALL EXAMPLES AS TO EARNINGS OR INCOME ON THIS SITE, ARE NOT TO BE CONSIDERED AS AVERAGE EARNINGS OR INCOME. THE CONTENT ON THIS SITE AND OUR PRODUCTS AND SERVICES ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. SEEK THE ADVICE OF QUALIFIED PROFESSIONALS BEFORE USING OR ACTING ON ANY CONTENT ON THIS SITE OR ON ANY INFORMATION CONTAINED IN OUR PRODUCTS. YOU ARE RESPONSIBLE FOR EVALUATING AND VERIFYING SUCH CONTENT AND INFORMATION. YOU AGREE THATWE ARE NOT RESPONSIBLE FOR YOUR SUCCESS OR FAILURE BASED ON YOUR USE OF SUCH CONTENT OR INFORMATION.

LIMITATION OF LIABILITY:

IN NO EVENT WILL WE, OR OUR SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, OFFICERS, DIRECTORS, SUCCESSORS, ASSIGNS, CONTRACTORS, EMPLOYEES, AGENTS, MANAGERS, MEMBERS, OR ATTORNEYS, BE LIABLE, NOR DO WE ASSUME RESPONSIBILITY, FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, ARISING OUT OF OR IN CONNECTION WITH: (i) THE USE OR INABILITY TO USE THIS SITE (OR THE CONTENT OR SERVICES PROVIDED ON, OR ACCESSIBLE FROM THIS SITE) OR OTHERWISE, OR (ii) OUR PRODUCTS OR SERVICES, EVEN IF WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. In no event will our entire liability exceed the amount you have paid to us for the applicable Content, product or services out of which such liability arose. You must notify us within thirty (30) days of the date upon which such liability arises.

INDEMNITY:

You will indemnify and hold us, and our officers, directors, successors, assigns, contractors, subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, managers, members, and attorneys (hereinafter known as the “Indemnified Parties”) harmless from any breach of these Terms of Use by you, including any use of the Content hereof or our products or services, other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorney’s fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the Content hereof or our products or services accessed from this site.

ERRORS & CORRECTIONS:

While we use reasonable efforts to include accurate and current information on our Site, we do not warrant or represent that the Site will be error-free. Data entry errors or other technical problems may sometimes result in inaccurate information being shown for such things as the availability of products or services. We reserve the right to correct any inaccuracies or typographical errors on our Site, and shall have no liability for such errors. We may also make improvements and/or changes to the Site’s features, functionality, Content or to our products and services at any time. If you see any description you believe to be incorrect, please contact us as described herein, and we will verify it for you.

LINKS TO OTHER WEBSITES:

Our Site may contain hyper-links to other Websites. These hyper-links are provided solely as a convenience to you. We have not reviewed and do not endorse or accept any responsibility for the content, or accessibility of resources available on, any other Website. We suggest that you carefully review the terms of use of any Website you choose to access from our Site.

YOUR SUBMISSIONS:

Other than personally identifiable information, which is covered under our Privacy Statement, any suggestions, ideas, concepts, material or other information you submit to, or send via, this Site (“Submissions”) shall become, and shall remain, our exclusive property and you here by grant to us the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all Submissions and to incorporate any Submission in other works in any form, media, or technology now known or later developed. We shall have no obligation of any kind with respect to such Submissions and shall be free to use and disclose the Submissions to others without limitation.

GOVERNING LAW & JURISDICTION:

These Terms of Use are governed by and construed in accordance with the laws of the State of Nevada, without giving effect to any principles of conflict of laws. Any controversy or dispute arising out of your use of our Site shall be submitted, and you irrevocably consent, to the personal jurisdiction of any state or federal court located in Nevada, USA. If any provision of these Terms of Use is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed removed and shall not affect the validity and enforceability of any remaining provisions.

CHANGES TO THESE TERMS OF USE:

We reserve the right, at our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. Updated versions of the Terms of Use will be posted here on our Site and are effective immediately. The date of the newest version is posted below. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of this Site following the posting of changes will mean that you accept and agree to the changes. © 2015 by Veradix Inc. Date of Last Update to Terms of Use: February 11, 2025.

PRIVACY STATEMENT:

We are committed to protecting and safeguarding your privacy. The purpose of this privacy statement (“Privacy Statement”) is to inform you about the types of information we might collect from you when you visit our Site, how we may use that information, whether we disclose it to anyone, and the choices you have regarding our use of, and your ability to correct, that information. By using our Site, you acknowledge acceptance of the Privacy Statement in effect at THE time of YOUR use.

WHAT INFORMATION WE COLLECT AND HOW WE USE IT:

There are two kinds of information we collect on our Site: (i) Personally Identifiable Information and (ii) Aggregate Information. “Personally Identifiable Information” refers to information that lets us know specifically who you are. In general, you can visit our Site without telling us who you are or revealing any Personally Identifiable Information. You may, however, voluntarily provide Personally Identifiable Information (such as name, e-mail address, and country of origin) for us to contact you, including via e-mail, to respond to your comments or inquiries. In such event, we might maintain a record of your contact, including such Personally Identifiable Information, in a file specific to you. We use this information to provide better service in the event you contact us again. “Aggregate Information” refers to information that does not by itself identify you as a specific individual. Such information would include the Uniform Resource Locator (“URL”) of the Website that referred you to our Site, your Internet Protocol (“IP”) address (a number automatically assigned to your computer whenever you surf the Web), your operating system and browser type, and any search terms that you enter on our Site. Our server aggregates this information in order to monitor the level of activity on our Site, evaluate its effectiveness, and improve the content of our Site in order to make your visit an easy and enjoyable experience. We may collect, compile, store, publish, promote, report, or otherwise disclose or use any Aggregate Information, provided that, such information does not personally identify you. We do not correlate any Personally Identifiable Information with the Aggregate Information that we collect on our Site. If we do correlate any Aggregate Information to you, it will be protected like any other Personally Identifiable Information under this Privacy Statement.

SHARING YOUR INFORMATION:

Except as set forth in this Privacy Statement, we do not sell or otherwise retransmit any Personally Identifiable Information we collect from you on our Site unless we have your permission. Any Personally Identifiable Information you provide to us will be stored in our databases in the United States. From time to time, we may be required to provide Personally Identifiable Information in response to court order, subpoena, or government investigation. We also reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful. We may release Personally Identifiable Information when we believe that such release is reasonably necessary to enforce or apply our Terms of Use or to protect the rights, property, and safety of others and ourselves.

USING YOUR INFORMATION:

We may use your Personally Identifiable information to contact you directly via e-mail, facsimile, telephone or mail. If you do not wish us to contact you, please contact us as described below and tell us that you do not wish us to contact you.

ACCESSING & CORRECTING YOUR INFORMATION:

We take reasonable measures to ensure that any Personally Identifiable Information we collect on our Site is accurate, current, complete, and reliable for its intended use. If you wish to update or otherwise correct Personally Identifiable Information you have provided to us, you may contact us as described below.

PROTECTING YOUR INFORMATION:

We are committed to take reasonable steps to protect Personally Identifiable Information you provide to us through this Site from loss, misuse and unauthorized access. We employ physical, electronic, and managerial processes to safeguard and secure your information.

USE OF COOKIES ON THIS SITE:

A “cookie” is a small data file transferred to your computer’s hard drive that allows a Website to respond to you as an individual, gathering and remembering information about your preferences in order to tailor its operation to your needs, likes and dislikes. Overall, cookies are safe, as they only identify your computer to customize your Web experience. Accepting a cookie does not provide access to your computer or any Personally Identifiable Information about you, other than the information you chose to share. Other servers cannot read them, nor can they be used to deliver a virus. Most browsers automatically accept cookies, but you can usually adjust yours to notify you of cookie placement requests, refuse certain cookies, or decline cookies completely. Our Site does send cookies to your computer’s hard drive to enhance your experience when visiting our Site.

USE OF ACTIVE-X AND JAVA APPLETS AND OTHER SIMILAR PROGRAMS ON THIS SITE:

Active-X programs and Java applets are executable programs transferred to your computer’s hard drive that cause your computer to perform functions in connection with your visit to a Website. Our Site may transfer Active-X programs, Java applets or other similar programs to your computer’s hard drive to enhance your experience when visiting our Site.

LINKS TO OTHER WEBSITES:

Our Site may contain hyper-links to other websites. These hyper-links are provided solely as a convenience to you. We have not reviewed and do not endorse or accept any responsibility for the content, or accessibility of resources available on, any other website. This Privacy Statement does not cover the information practices of those websites linked to our Site, nor do we control their content or privacy policies. We suggest that you carefully review the privacy policies of each site you visit.

CHILDREN’S PRIVACY PROTECTION:

We take special care to protect the privacy needs of children and encourage parents to be an active participant in their child’s online activities. Our Site does not target and is not intended for children under the age of 18, and we will not knowingly collect Personally Identifiable Information from them. If we discover personal data from a child through our Site, we will eliminate that data. YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS SITE. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS SITE FOR ANY REASON.

CHANGES TO THIS PRIVACY STATEMENT:

We reserve the right, at our sole discretion, to change, modify, add or remove portions of this Privacy Statement, at any time. Updated versions of our Privacy Statement will be posted here on our Site and are effective immediately. The date of the newest version is posted below. It is your responsibility to check this Privacy Statement periodically for changes, especially before you submit any Personally Identifiable Information to us. © 2015 by Veradix Inc. Date of Last Update to Privacy Statement: February 11, 2025.

SALES & REFUNDS POLICY:

The products sold on this Site are sold by TWF Systems, a dba of Veradix Inc., a Nevada corporation. All purchases from this Site are subject to the following terms and conditions (the “Sales and Refunds Policy”).

METHODS OF ORDERING:

If you would like product and pricing information or to order a product by phone, please call us at +1-800-528-8702 between the hours of 9 a.m. and 4 p.m. Central time, Monday through Friday. If you would like to order a product directly from this Site, please follow the directions on this Site. Your total order price will include the price of the product (on the day of shipping) plus any applicable sales tax and shipping and handling charges. We reserve the right to change prices for our products at any time. All prices on our site are represented in US dollars.

METHODS OF PAYMENT:

You may pay by credit card no matter which ordering method you use (Internet or phone). Credit card billing occurs when your order ships. We accept Visa, MasterCard, American Express, and Discover cards. PLEASE NOTE: Debit cards and check cards that have daily spending limits may substantially delay the processing of your order. We may require the credit card security code for your credit card for any telephone or online purchase. The credit card security code is an individual three- or four-digit number specific to your credit card that may be printed on the face of your card above the embossed account number (if American Express), or on the back of your card, on the signature panel (if Visa, MasterCard or Discover). Asking for and confirming your credit card’s security code helps validate that you – and only you – are in the possession of your credit card and protects you from unauthorized use of your account.

SALES TAX:

Purchases from us may include sales tax, depending on the state in which you are located at the time your order is placed, or depending on the state to which the order is shipped. If you phone in your order, we will provide an estimated dollar total of your order including tax and any applicable shipping charges at the time you place your order. If the sales tax rate for the state to which your order is being shipped changes before the product is shipped, the rate in effect at the time your order was received in our system will apply.

ORDER PROCESSING & CONFIRMATION:

We will send you a confirmation of your order via email if you have included an email address with your order. The estimated shipment date on your order is based on product availability, payment processing time, and warehouse processing time and does not include transit time. Payment processing will not begin until we receive all the information we need and full payment or a full authorization, in the case of credit card orders. Most of our orders typically ship within forty-eight (48) hours. Orders placed on the weekend or on a holiday will begin payment processing the next business day. Unanticipated changes in supply can affect product availability. Business days are Monday through Friday, excluding federal holidays.

SHIPPING OPTIONS:

We ship our products via U.S. Postal Service priority mail. Delivery time for domestic orders is approximately 3-5 business days from the shipping date. Any international orders are shipped via U.S. Postal Service priority international mail. Undeliverable Packages: Occasionally packages are returned to us as undeliverable. When the carrier returns an undeliverable package to us, please contact us to make arrangements for reshipment.

PRODUCT RETURN & REFUND POLICY:

We have a 100% guarantee on all of our products. If you are not completely satisfied with your purchase, you may return it to us for a full refund within ninety (90) days of purchase, less shipping and handling fees (refunds requested due to a new product release or upgrade do not qualify). Please call us at +1-800-528-8702 to arrange for a return. You are responsible for any shipping fees associated with returning the product to us. We will not issue a refund to you until we have received the product from you. We will then issue a refund in the same manner in which you paid for the product when you purchased it.

EVENT CANCELLATION-PARTIAL CASH REFUNDS:

We offer a cash refund in the amount of the registration fees paid by you to attend any of our classes, courses, teleseminars or events less a $200.00 cancellation fee if such partial refund is requested at least 30 days prior to the date of such event. We do not offer a cash refund unless such request is made at least 30 days prior to the date of the event that you registered for. Please call us at +1-800-528-8702 to see if a cash refund is available. As an alternative to a cash refund, you may elect to receive a credit in the amount of the registration fees paid by you to attend such event as set forth below.

EVENT CANCELLATION-REFUNDS:

By purchasing an Event Ticket (“Ticket”) from TWF Systems, you agree and understand that the following Terms & Conditions (“Terms”) govern the use, purchase, refund, and/or cancellation of Ticket. You also understand and agree that these Terms may be revised without giving you subsequent notice, and furthermore you understand and agree that display of revised Terms on TrueWealthFormula.com (“Website”) or any other designated website(s) suffices as necessary notice given of said revised Terms. Under no circumstances may you use, purchase, refund, and/or cancel a Ticket without agreeing and being bound by these Terms. TWF Systems reserves all rights under federal, state, and international law. Use of the word “Credit” means a Ticket that has been purchased but is subsequently cancelled and converted to be used at a future TWF Systems Live Event not more than 365 days from the date of Credit is issued. Upon purchase of a Ticket from TWF Systems, the purchase is final. Under limited circumstances, reserved to the sole discretion of TWF Systems, a Ticket may be cancelled with the following options: OPTION 1 REFUND: For a Ticket purchased for a live event, the Ticket may be cancelled, subject to the sole discretion of TWF Systems, for a cost of $200 which will be deducted from the net refund to you. If you purchased the Ticket for $695, the refund amount to you would be $495. OPTION 2 FULL CREDIT: For a Ticket purchased for a live event, the Ticket may be converted into a Credit and subsequently used at a future TWF Systems Live Event not more than 365 days from the date of Credit is issued. For example, if you purchased a Ticket for the next live Event on November 1, 2015, then decided that you could not attend the Event. You then requested a Credit on September 15, 2015 for a future Event. You are granted a Credit that must be used at an Event by September 15, 2016.

PRODUCT PURCHASE CREDIT:

For purposes of this paragraph, Product Credit (“Product Credit”) in this context means a refund of a product purchased from TWF Systems or any of our authorized affiliate sites which is then converted to a Product Credit available in the amount of the refund and usable not more than 365 days from the date the Product Credit is issued. A Product Credit may be issued in the sole discretion of TWF Systems and is subject to the foregoing Terms in this paragraph.

EVENT “NO SHOW” POLICY:

You are eligible for a credit in the amount of the registration fees paid by you to attend any of our classes, courses, teleseminars or events if you contact us prior to the date of such event to request a credit. If you do not contact us prior to the date of the event, you forfeit the registration fees paid by you to attend such event and no credit or refund will be given.

EVENT SATISFACTION GUARANTEE:

We guarantee that you will be 100% satisfied with our classes, courses, teleseminars or events. If you attend an event and determine during such event that you are dissatisfied with the event because the content presented will not help you in your personal development or improve your business success, then we will offer you full cash refund of the registration fees paid by you to attend such event. Such cash refund will be paid within 30 days of the conclusion of such event. You must notify us of your dissatisfaction prior to the conclusion of the event. If you fail to notify us of your dissatisfaction as set forth above prior to the conclusion of the event, no credit or refund will be given.

EVENT RESCHEDULE:

In the event any of our classes, courses, teleseminars or events must be rescheduled, we will do our best to reschedule such event in a timely fashion. If any of our classes, courses, teleseminars or events are rescheduled, we will honor your registration at the rescheduled event. We will notify you of the dates of such rescheduled event. There will be no need for you to take any action as you will be automatically re-registered for the rescheduled event. In the event you are unable to attend the rescheduled event, our above “Event Cancellation-Partial Cash Refund”, “Event Cancellation-Credit” and “Event “No Show” Policy” policies will apply. We are not responsible for any airfare fees or other travel costs that you may incur if you have to change your pre-paid travel plans to attend a rescheduled event. Classes, courses, teleseminars or events may be rescheduled for a variety of reasons, including, but not limited to, any event or condition, not existing as of the date such event was originally opened for registration, not reasonably foreseeable as of such date and not reasonably within our control, which prevents in whole or in material part of the performance by us or which renders the performance by us so difficult or costly as to make such performance commercially unreasonable. Without limiting the foregoing, the following shall constitute events or conditions of force majeure: acts of state or governmental actions, terrorist activities, explosion, riots, disturbances, war, strikes, lockouts, slowdowns, prolonged shortage of energy suppliers, material shortages, epidemics, fire, flood, earthquake, lightning, inclement weather, loss of meeting space for such event, injury to, or adverse health condition of, the presenter of such event.

EVENT CANCELLATION:

In the event any of our classes, courses, teleseminars or events must be cancelled, we will do one of the following: 1-Apply a credit automatically to your account for future use to purchase products or pay registration fees for future events and notify you of such cancellation; 2-Honor the registration fees paid for the cancelled event and allow you to apply such registration fees to a future same event (even if such future same event has a higher price); or 3-Make a full refund, at your request, within 90 days of notice of cancellation. We are not responsible for any airfare fees or other travel costs that you may incur if you have to cancel your pre-paid travel plans as a result of the cancellation of such event.

EVENT SPEAKER/MODERATOR:

We reserve the right at any time to provide alternate speakers for classes, courses, teleseminars or events when these speakers are unavailable due to circumstances outside of our control.

ERRORS & CORRECTIONS:

Data entry errors or other technical problems may sometimes result in inaccurate information being shown for such things as the availability of products or the pricing of products. We reserve the right to correct any inaccuracies or typographical errors on our Site, and shall have no liability for such errors.

GOVERNING LAW & JURISDICTION:

These Sales and Refunds Policies are governed by and construed in accordance with the laws of the State of Nevada, without giving effect to any principles of conflict of laws. Any controversy or dispute arising out of your purchase of our Products shall be submitted, and you irrevocably consent, to the personal jurisdiction of any state or federal court located in Nevada, USA. If any provision of these Sales and Refunds Policy is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed removed and shall not affect the validity and enforceability of any remaining provisions.

CHANGES TO THESE SALES AND REFUNDS POLICIES:

We reserve the right, at our sole discretion, to change, modify, add or remove portions of these Sales and Refunds Policies, at any time. Updated versions of these Sales and Refunds Policies will be posted here on our Site and are effective immediately. The date of the newest version is posted below. It is your responsibility to check these Sales and Refunds Policies periodically for changes. Your continued use of this Site following the posting of changes will mean that you accept and agree to the changes. © 2015 by Veradix Inc. Date of Last Update to Sales and Refunds Policies: February 11, 2025.

AFFILIATE MARKETING PROGRAM:

By signing up for TWF Systems Affiliate Program you indicate your acceptance of this Agreement and its terms and conditions. If You do not accept this Agreement, you may not use the TWF Systems Affiliate Program. The following Agreement is summarized as follows:

1. You may place our merchant banners anywhere on your site as you see fit, or within non-spam emails.
2. We may email you concerning new merchant programs.
3. Adult, Hate, or other related sites are not allowed.
4. You will be paid your commissions, at such time as your account balance is $97 or more. Checks or payments will be issued on the 20th of the month following the sale.
5. All statistics are collected and calculated by TWF Systems, and will be the only valid stats used for determining commissions.
6. Your physical address listed for receiving checks MUST be your actual address. Mail forwarding services, for the purpose of avoiding network demographics, are NOT permitted.
7. You agree that you will not hold us liable for any action or inaction.
8. A hyperlink to a non- TWF Systems Website does not mean that TWF Systems endorses or accepts any responsibility for the content or the use of such Website.
9. You may not SPAM. We will terminate your account on the first offense of SPAMMING. Do not send email to lists or groups that you do not have permission to send to. You may place banners or links within your newsletters, in content of your website, or within other web related content.
10. You may not place any “Desktop” advertising schemes. This includes any and all 3rd party advertising platforms that use a desktop application to display ads in any form.
11. You may not display any merchant window that is not the result of a direct click by the end-user.
12. You may not use Incentive Advertising of ANY KIND, and you may not refer to yourself as a Merchant or Staff with TWF Systems.

Failure to abide by these rules could mean termination from TWF Systems Affiliate Program completely with a complete forfeit of commissions. Fraud is a serious offense, and will be treated as such. Fraud is defined as any action that intentionally attempts to create sales, leads, or click-throughs using robots, frames, i-frames, scripts, or manually “refreshing” of pages, for the sole purpose of creating commissions. ANY ATTEMPTED FRAUD OR FRAUD WILL RESULT IN MEMBERSHIP TERMINATION AND VOIDED COMMISSIONS.

DEFINITIONS:

1. “Affiliate” means an individual or business generating their own traffic and thus rewarded for legitimate sales, leads, clicks, or other measurable action. Affiliates use TWF Systems to facilitate relationships with Merchants as well as gain tracking, reporting, and receipt of commission payment.
2. “Sale Commission” means the payout that results in a sale of a product or service. The sale could occur at the time of the visit or at a later time. “Commission” means the amount sale commission, lead commission, or click commission a Merchant agrees to pay for an individual measurable action. The Payout is defined as either a percentage of a total sale amount, or as a set bounty (flat rate) per action.
3. “Link” or “Hyperlink” means a hyperlink placed on an Affiliate’s site that, when clicked on, sends a Visitor through to a Merchant website via redirection at TWF Systems. Links take many forms including text, a product image, buttons, banners, videos or any other form at acceptable to the Merchant.
4. “Void” means a reversal of a commission previously earned for a sale, lead, or click that is later rescinded or corrected by the Merchant. Merchants may Void transactions that are fraudulent, or in the case of returned merchandise, duplicate transactions, or other valid reasons.
5. “Your Account” means a specific account within the where commissions are credited.

EMAIL CONTACT:

TWF Systems reserves the right to send e-mail to you for the purposes of informing you of applicable changes or additions to the Service or any TWF Systems related products and services.

REGISTRATION:

To sign up as an Affiliate of TWF Systems and to use the Service as an Affiliate Partner, you must be at least 18 (eighteen) years of age, and supply a valid Tax Identification Number (TIN) or Employer Identification Number (EIN), or your Social Security Number for individuals and sole-proprietorships. THE FOLLOWING TYPES OF SITES ARE NOT ALLOWED TO PARTICIPATE IN TWF Systems: ADULT SITES; SITES THAT DISPLAY ADULT BANNERS; SITES THAT PROMOTE VIOLENCE, BIGOTRY, OR HATRED; and SITES THAT PROMOTE ILLEGAL ACTIVITY, including but not limited to WAREZ, CRACKING, and HACKING SITES. As part of the registration process, you will select a username and password combination that you use to access Your Affiliate area within the Service. You shall provide TWF Systems with accurate, complete and updated registration information. You may not select the name of another person with the intent to impersonate that person or deceive members or other users as to your true identity. You agree that TWF Systems may rely on any data, notice, instruction or request furnished to TWF Systems by you which is reasonably believed by TWF Systems to be genuine and to have been sent or presented by a person reasonably believed by TWF Systems to be authorized to act on Your behalf. You shall notify TWF Systems by e-mail at support at twfsystems.com of any known or suspected unauthorized uses of your Account, or any known or suspected breach of security, including loss, theft or unauthorized disclosure of your username and password. You shall be responsible for maintaining the confidentiality of your username and password, and you are responsible for all usage and activity on your Account, including use of the account by a third party authorized by you to use your Account. Any fraudulent, abusive or otherwise illegal activity may be grounds for termination by TWF Systems and referral to the appropriate law enforcement agencies. TWF Systems RESERVES THE RIGHT TO DEEM ANY SITE INAPPROPRIATE AND TERMINATE THE SITE AS A MEMBER OF TWF Systems. If You are terminated from the Service, TWF Systems has the right to withhold money you earned within the Service or money that you owe within the Service and you will not be allowed to re-join TWF Systems Affiliate Program.

AFFILIATE & REFERRAL PROGRAM:

Referrer may promote and market certain specified seminars, events and/or products as may be offered from time to time. TWF Systems will establish a payment schedule for each affiliate and product. Additionally, we will establish a place in the website that will allow the affiliate to view active sales (link performance). TWF Systems shall provide Affiliate with an Internet hyperlink(s) (the “Link”) that can be provided to customers by the affiliate. These customers must use the affiliate link when purchasing the event ticket or product for the affiliate to get credit for the sale. Company shall track all seminars and/or events that are registered for and/or products purchased through the Affiliate Link. Affiliate acknowledges and agrees that it is responsible for providing their customers with the affiliate link. Affiliate acknowledges that Company does not track any seminars and/or events that are registered for or products purchased by Affiliate’s customers through any Internet website or Internet hyperlink other than the Affiliate Link.

AFFILIATE PROGRAM REFERRAL FEE:

TWF Systems shall pay Affiliate a Program Referral Fee (“Fee”) that is agreed to by the parties and confirmed by TWF Systems for each promotion instance, or ongoing event and product sales as agreed to. Referrer acknowledges and agrees that it is only entitled to a Fee if their customer: 1-Registers for a TWF Systems seminar or event through the Affiliate Link and actually attends such seminar/event; 2-Purchases qualifying TWF Systems products through the Affiliate Link. Affiliate acknowledges that only specified seminars, events and/or products of TWF Systems will be offered through their link and that not all TWF Systems seminars, events or products will be available for registration/purchase through the link.

AFFILIATE PROGRAM PAYMENT OF COMMISSIONS EARNED:

The commissions earned shall be paid by TWF Systems on or before the twentieth (20th) day of each month for all event and product sales referred from the prior month (less any refunds made to any referred person by TWF Systems during such prior month). The commission shall be paid in the form of a check or electronic payment and shall be either mailed by TWF Systems to the Affiliate’s address indicated on the signature page of this Agreement OR deposited electronically into Affiliate’s designated bank account indicated on this Agreement. Commission must exceed $100 before a payment will be issued. If on the 20th of any month the commissions earned are not greater than $100, the commission amount will be rolled over to the next month (or longer) until the $100 amount is exceeded to trigger a payment. IT IS REQUIRED THAT ALL AFFILIATES PROVIDE THEIR TAX ID NUMBER BEFORE ANY CHECKS WILL BE ISSUED. PLEASE UPDATE YOUR CLIENT PROFILE AT TWF Systems WITH YOUR TAXPAYER ID.

AFFILIATE PROGRAM FULL DISCLOSURE:

As of December 1, 2009, The Federal Trade Commission (FTC) requires that you must NOT practice any form of deceptive advertising. Failure to disclose your affiliate relationship may place you in violation of FTC rules. The Company requires that, as a condition of your affiliate status, you must also comply with FTC rules related to testimonials and endorsements.

AFFILIATE PROGRAM REPRESENTATIONS & WARRANTIES OF REFERRER:

Affiliate represents and warrants to TWF Systems and agrees as follows:

1. Affiliate is free to enter into this Agreement and is not subject to any obligation or a party to any contract which would interfere with or hamper in any manner Affiliate’s fulfillment of any of its obligations or would impair any right granted to TWF Systems.

2. Affiliate agrees to not violate any provision of law, statute, rule or regulation to which Affiliate is subject, or violate any judgment, order, writ, or decree of any court or other tribunal or any agency applicable to Affiliate.

3. Affiliate agrees to NOT use the name “Hans Johnson” in any Internet Advertising campaigns, i.e., Google AdWords. Violation of this rule will result in termination from the program.

AFFILIATE PROGRAM TERM & TERMINATION:

TWF Systems reserves the right to change the payment terms to Affiliate for events or products. The Affiliate program and this Agreement may be terminated at any time by TWF Systems, and the Affiliate will be provided with a 30-day written notice if this action occurs. Affiliate is free to withdraw participation in the program at any time by notifying the TWF Systems to terminate their referral Link(s).

AFFILIATE PROGRAM MISCELLANEOUS PROVISIONS:

No party makes any representations, extends any warranties of any kind, or assumes any responsibility except as set forth in this Agreement. TWF Systems retains all rights to modify the program. In the event an action or suit is brought by any party to enforce the terms of this Agreement, the prevailing party shall be entitled to the payment of its reasonable attorneys’ fees and costs.

CONTACT US:

If you have any questions about this Affiliate Program Agreement, please submit a ticket at www.TWFSystems.com or call us at +1-800-528-8702. We will make every reasonable effort to address your concerns and remedy any problems you bring to our attention.