You're About To Learn Secrets That Most Network Marketers

PRIVACY
 POLICY 
This Privacy Policy describes how we handle your personal information 
for our services on our www.garenthoms.com Web site (this 
"Site"). Our company, Garen Marketing Group, LLC, collects information 
from all end users of our services (the "Products" and/or "Services"), 
those who access some of our Services but do not have accounts 
("Visitors"), as well as those who may purchase Products and/or Services
 ("Members"). We request that you read this Privacy Policy carefully. 
Personal Information Our Company Collects and How It Is Used 
Introduction: Our company collects information in different ways from 
Visitors and Members who access the various parts of our Services and 
the network of Web sites accessible through our Services. 
Registration: Members may be asked to provide certain personal 
information when they sign up for our Products or Services, including 
name, address, telephone number, billing information (such as a credit 
card number), and the type of personal computer being used to access the
 Services. The personal information collected from Members during the 
registration process is used to manage each Member's account (such as 
for billing purposes). This information may be shared with third 
parties, as stated herein, or in special circumstances. 
However, in instances where our company and a partner jointly promote 
our Services, we may provide the partner certain personal information, 
such as the name, address, and user name of persons who subscribe to the
 Services as a result of the joint promotion, for the purpose of 
offering you other products and services. 
In this instance, personal information may not be used by the partner 
for any other purpose. We may also generate non-identifying and 
aggregate profiles from personal information Members provide during 
registration (such as the total number, but not the names, of Members). 
As explained in more detail below, we may use this aggregated and 
non-identifying information to sell advertisements that appear on the 
Services. 
Also, with purchases, we supply our Member's contact information to our 
business partners, who then may contact the Member by telephone after 
the Member’s purchase. Sales proceeds are collected by the business 
partner’s company. We also may supply other companies with contact 
information, for mail offers we believe would be of interest to our 
Members, with or without compensation from those companies. At times, we
 may send an advertisement for a third-party product, where we collect 
the sales proceeds, and forward the purchaser's information to that 
third party. 
Consent to Automated Phone Calls
BY CLICKING THE ACCEPT BUTTON TO THIS PRIVACY POLICY, YOU HEREBY CONSENT
 THAT WE MAY PLACE AUTOMATED AND LIVE PHONE CALLS TO THE NUMBER YOU 
PROVIDE. FOR MORE INFORMATION, SEE SECTION 16 CFR 310 OR CONTACT 
www.garenthoms.com/support.

Our Company Partners and Sponsors: Some products and services may be 
offered to Visitors and Members in conjunction with an affiliate, 
independent contractor, seller, or non-affiliated partner. To provide 
Visitors and Members some of these products and services, the partner 
may need to collect and maintain personal information. 
Online Shopping: At some Web sites, you can purchase products and 
services or register to receive materials, such as a newsletter, 
catalog, or new product and service updates. In many cases, you may be 
asked to provide contact information, such as your name, address, e-mail
 address, phone number, and credit/debit card information. 
If you complete an order for someone else, such as an online gift order 
sent directly to a recipient, you may be asked to provide information 
about the recipient, such as the recipient's name, address, and phone 
number. Our company has no control over the third party’s use of any 
personal information you provide when placing such an order. Please 
exercise care when doing so. If you order Services or Products directly 
from our company, we use the personal information you provide to process
 that order. We do share this information with outside parties that we 
do business with.
Online Advertisements: Our company may display our online 
advertisements. In those cases, we share information about our Visitors 
and Members collected through the registration process as well as 
through online surveys and promotions with these advertisers. 
Additionally, in some instances, we use this information to deliver 
tailored advertisements or joint ventures. For instance, an advertiser 
or joint venture company tells us the audience it wants to reach and 
provides us an advertisement tailored to the audience. Based upon the 
information we have collected, we may then display or send the 
advertisement to the intended audience. Our company does share personal 
information about its Visitors or Members with these advertisers or 
joint venture companies. 
Responses to E-mail Inquiries: When Visitors or Members send e-mail 
inquiries to our company, the return e-mail address is used to answer 
the e-mail inquiry we receive. 
Voluntary Customer Surveys: We may periodically conduct both business 
and individual customer surveys. We encourage our customers to 
participate in these surveys because they provide us with important 
information that helps us to improve the types of Products and Services 
we offer and how we provide them to you. 
We may take the information we receive from individuals responding to 
our customer surveys and combine (or aggregate) it with the responses of
 other customers we may have to create broader, generic responses to the
 survey questions (such as gender, age, residence, hobbies, education, 
employment, industry sector, or other demographic information). We then 
use the aggregated information to improve the quality of our Services to
 you, and to develop new services and products. This aggregated, 
non-personally identifying information may be shared with third parties.
 
Promotions: Our company may offer polls, contests, sweepstakes, 
drawings, games, content, or other promotions that are sponsored by or 
co-branded with third parties. You may be entered in a sweepstakes, 
contest, or other promotion simply by making a purchase from us or by 
providing us with personally identifiable information for some other 
reason or purpose. Due to these third-party relationships, the third 
parties may obtain personally identifiable information that Visitors 
voluntarily submit to our company. Our company has no control over third
 parties' use of this information. 
Additionally, personally identifiable information may be collected when 
you order Products, enter contests, vote in polls or otherwise express 
an opinion, subscribe to one of our Services such as our online 
newsletters, or participate in one of our online forums or communities. 
The types of personally identifiable information that may be collected 
at these pages include, but may not be limited to, name, address, e-mail
 address, telephone number, fax number, credit card information, and 
information about your interests in and use of various Products, 
programs, and Services. Our sponsors or third parties may send you 
material that relates to our company's Services, Products, or 
activities. 
Special Cases: It is our company's policy to use or share the personal 
information about Visitors or Members in ways described herein without 
additional notice or means to opt out or otherwise prohibit such 
unrelated uses. 
Also, we may disclose personal information about Visitors or Members, or
 information regarding your use of the Services or Web sites accessible 
through our Services, for any reason if, in our sole discretion, we 
believe that it is reasonable to do so, including credit agencies, 
collection agencies, merchant database agencies, law enforcement, or to 
satisfy laws such as the Electronic Communications Privacy Act, the 
Child Online Privacy Act, regulations, or governmental or legal requests
 for such information; to disclose information that is necessary to 
identify, contact, or bring legal action against someone who may be 
violating our Acceptable Use Policy or Terms Of Service, or other user 
policies; to operate the Services properly; or to protect our company 
and our Members. 
Notice of Compliance to California Residents.
This Privacy Policy identifies the categories of personally identifiable
 information that our company collects through our Web site or online 
service about individual consumers who use or visit our company's 
commercial Web site or online service and the categories of third-party 
persons or entities with whom our company may share that personally 
identifiable information. 
Our company does not maintain a process for an individual consumer who 
uses or visits our commercial Web site or online service to review and 
request changes to any of his or her personally identifiable information
 that is collected through our Web site or online service. 
See the section below entitled "Revisions To This Policy" for a 
description of the process by which our company notifies consumers who 
use or visit our commercial Web site or online service of material 
changes to our company's Privacy Policy for this Web site or online 
service. 
The effective date of this Privacy Policy is listed at the end of this 
Privacy Policy under the heading "Last updated." 
For the purposes of this policy and California compliance, the following
 definitions apply: 
Depending on the Visitor's activity in our commercial Web site or online
 service, the following "personally identifiable information" may be 
collected in addition to information set forth in other sections of this
 document. 
The term "personally identifiable information" means individually 
identifiable information about an individual consumer collected online 
by our company from an individual and maintained 
by our company in an accessible form, and may include any of the 
following: 
(1) A first and last name. 
(2) A home or other physical address, including street name and name of a
 city or town. 
(3) An e-mail address. 
(4) A telephone number. 
(5) A Social Security number or EIN number. 
(6) Any other identifier that permits the physical or online contacting 
of a specific individual. 
(7) Information concerning a user that the Web site or online service 
collects online from the user and maintains in personally identifiable 
form in combination with an identifier described within this Privacy 
Policy. 
Under California Law SB 27, California residents have the right to 
receive, once a 
year, information about third parties with whom we have shared 
information about you 
or your family for their marketing purposes during the previous calendar
 year, and a 
description of the categories of personal information shared. To make 
such a request, 
please send an e-mail to Privacy@PrivacyRequest.com and please include 
the phrase 
"California Privacy Request" in the subject line, the domain name of the
 Web site you are inquiring about, along with your name, address, and 
e-mail address. We will respond to you within thirty days of receiving 
such a request. 
"Cookies" and How Our Company Uses Them.  A "cookie" is a small data 
file that can be placed on your hard drive when you visit certain Web 
sites. Our company may use cookies to collect, store, and sometimes 
track information for purposes stated herein as well as for statistical 
purposes to improve the Products and Services we provide and to manage 
our telecommunications networks. 
Advertisers and partners may also use their own cookies. We do not 
control use of these cookies and expressly disclaim responsibility for 
information collected through them. 
Our Company Commitment to Children's Privacy: Protecting children's 
privacy is especially important to us. It is our policy to comply with 
the Children's Online Privacy Protection Act of 1998 and all other 
applicable laws. Therefore, we restrict our Web site to persons eighteen
 years or older. 
YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF YOU
 ARE UNDER EIGHTEEN (18) YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS 
THIS WEB SITE FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR USE OF 
THIS WEB SITE, NO INFORMATION OBTAINED BY THIS WEB SITE FALLS WITHIN THE
 CHILDREN'S ONLINE PRIVACY PROTECTION ACT ("COPPA") AND IS NOT MONITORED
 AS DOING SO. 
Public Forums: Please remember that any information you may disclose in 
any Member Directory, or other public areas of our Web sites or the 
Internet, becomes public information. You should exercise caution when 
deciding to disclose personal information in these public areas. 
Our Company's Commitment to Data Security: Services and Web sites we 
sponsor have security measures in place to protect the loss, misuse, and
 alteration of the information under our control. While we make every 
effort to ensure the integrity and security of our network and systems, 
we cannot guarantee that our security measures will prevent third-party 
"hackers" from illegally obtaining this information. 
Where to Direct Questions About Our Privacy Policy: If you have any 
questions about this Privacy Policy or the practices described herein, 
you may contact us through the contact information provided on this Web 
site. 
Revisions to this Policy: Our company reserves the right to revise, 
amend, or modify this policy, our Terms Of Service agreement, and our 
other policies and agreements at any time and in any manner by updating 
this posting. Your use of this Site after such changes are implemented 
constitutes your acknowledgement and acceptance of these changes. Please
 consult this privacy statement prior to every use for any changes. 
Last modified: September 7th 2010

EARNINGS
 AND INCOME DISCLAIMERS 
ANY EARNINGS OR INCOME STATEMENTS, OR EARNINGS OR INCOME EXAMPLES, ARE 
ONLY EXAMPLES OF WHAT OTHERS HAVE EARNED. WE DO NOT GUARANTEE ANY LEVEL 
OF SUCCESS. WITH EVERY BUSINESS, THERE IS INHERENT RISK OF FAILURE. 
WHERE SPECIFIC INCOME FIGURES ARE USED, AND ATTRIBUTED TO AN INDIVIDUAL 
OR BUSINESS, THOSE PERSONS OR BUSINESSES HAVE EARNED THAT AMOUNT. THERE 
IS NO ASSURANCE AS TO YOUR LEVEL OF SUCCESS OR FAILURE. 
ANY AND ALL CLAIMS OR REPRESENTATIONS, AS TO INCOME EARNINGS ON THIS WEB
 SITE, ARE NOT TO BE CONSIDERED AS AVERAGE EARNINGS. TESTIMONIALS ARE 
NOT REPRESENTATIVE. 
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. 
MONETARY AND INCOME RESULTS ARE BASED ON MANY FACTORS. WE HAVE NO WAY OF
 KNOWING HOW WELL YOU WILL DO, AS WE DO NOT KNOW MANY IMPORTANT FACTORS,
 INCLUDING BUT NOT LIMITED TO KNOWLEDGE SURROUNDING YOU, YOUR WORK 
ETHIC, OR YOUR BUSINESS SKILLS OR PRACTICES. THEREFORE, WE DO NOT 
GUARANTEE OR IMPLY THAT YOU WILL WIN ANY INCENTIVES OR PRIZES THAT MAY 
BE OFFERED, GET RICH, THAT YOU WILL DO AS WELL, OR MAKE ANY MONEY AT 
ALL. THERE IS NO ASSURANCE YOU WILL DO AS WELL. 
INTERNET BUSINESSES AND EARNINGS DERIVED THEREFROM HAVE UNKNOWN RISKS 
INVOLVED AND ARE NOT SUITABLE FOR EVERYONE. MAKING DECISIONS BASED ON 
ANY INFORMATION PRESENTED IN OUR PRODUCTS, SERVICES, OR WEB SITE SHOULD 
BE DONE ONLY WITH THE KNOWLEDGE THAT YOU COULD EXPERIENCE SIGNIFICANT 
LOSSES OR MAKE NO MONEY AT ALL. ONLY RISK CAPITAL SHOULD BE USED. 
ALL PRODUCTS AND SERVICES BY OUR COMPANY ARE FOR EDUCATIONAL AND 
INFORMATIONAL PURPOSES ONLY. USE CAUTION AND SEEK THE ADVICE OF 
QUALIFIED PROFESSIONALS. CHECK WITH YOUR ACCOUNTANT, LAWYER, OR 
PROFESSIONAL ADVISOR BEFORE ACTING ON THIS OR ANY INFORMATION. 
USERS OF OUR PRODUCTS, SERVICES, AND WEB SITE ARE ADVISED TO DO THEIR 
OWN DUE DILIGENCE WHEN IT COMES TO MAKING BUSINESS DECISIONS AND ALL 
INFORMATION, PRODUCTS, AND SERVICES THAT HAVE BEEN PROVIDED SHOULD BE 
INDEPENDENTLY VERIFIED BY YOUR OWN QUALIFIED PROFESSIONALS. OUR 
INFORMATION, PRODUCTS, AND SERVICES ON THIS WEB SITE SHOULD BE CAREFULLY
 CONSIDERED AND EVALUATED BEFORE REACHING A BUSINESS DECISION ON WHETHER
 TO RELY ON THEM. ALL DISCLOSURES AND DISCLAIMERS MADE HEREIN OR ON OUR 
SITE APPLY EQUALLY TO ANY OFFERS, PRIZES, OR INCENTIVES THAT MAY BE MADE
 BY OUR COMPANY. 
BY CLICKING THE ACCEPT TO THIS EARNINGS AND INCOME DISCLAIMER, YOU AGREE
 THAT OUR COMPANY IS NOT RESPONSIBLE FOR THE SUCCESS OR FAILURE OF YOUR 
BUSINESS DECISIONS RELATING TO ANY INFORMATION PRESENTED BY OUR COMPANY 
OR OUR COMPANY PRODUCTS OR SERVICES. 
TESTIMONIALS AND PRODUCT REVIEWS
TESTIMONIALS EXAMPLES AND RESULTS ARE EXCEPTIONAL RESULTS AND DON’T 
APPLY TO THE AVERAGE PURCHASER. THEY ARE NOT INTENDED TO REPRESENT OR 
GUARANTEE THAT ANYONE WILL ACHIEVE THE SAME OR SIMILAR RESULTS.

Last Updated: September 7th 2010

Terms
 and Conditions of Use and Service 
THESE TERMS AND CONDITIONS OF USE AND SERVICE (“TERMS”) GOVERN YOUR USE 
OF THIS WEB SITE WWW.GARENTHOMS.COM AND OTHER WEB SITES 
(COLLECTIVELY, “SITE”) OWNED OR OPERATED BY GAREN MARKETING GROUP LLC 
(“GAREN MARKETING GROUP” OR “WE”). THESE TERMS BECOME EFFECTIVE BETWEEN 
YOU AND GAREN MARKETING GROUP UPON INITIALLY CLICKING THE ACCEPT BUTTON 
WHEN YOU FIRST BECOME A CUSTOMER OR A MEMBER.  YOU AGREE THAT ANY FUTURE
 ACCESS TO THIS SITE INDICATES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF 
THESE TERMS. THESE TERMS ARE SUBJECT TO CHANGE BY GAREN MARKETING GROUP
 ANY TIME IN ITS DISCRETION. YOUR USE OF THIS SITE AFTER SUCH CHANGES 
ARE IMPLEMENTED CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THE 
CHANGES. PLEASE CONSULT THESE TERMS OF USE PRIOR TO EVERY USE FOR ANY 
CHANGES. 
Access To This Site 
YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF YOU
 ARE UNDER EIGHTEEN (18) YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS 
THIS WEB SITE FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR USE OF 
THIS WEB SITE, NO INFORMATION OBTAINED BY THIS WEB SITE FALLS WITHIN THE
 CHILDREN'S ONLINE PRIVACY PROTECTION ACT (“COPPA”) AND IS NOT MONITORED
 AS DOING SO. 
To access this Site or some of the resources it has to offer, you may be
 asked to provide certain registration details or other information. It 
is a condition of your use of this Site that all the information you 
provide on this Site will be correct, current, and complete. If Garen Marketing 
Group believes the information you provide is not correct, 
current, or complete, or that you have breached these Terms, we have the
 right to refuse you access to this Site or any of its resources, and to
 terminate or suspend your access at any time, without notice. 
Restrictions On Use 
You may use this Site for purposes expressly permitted by this Site. You
 may not use this Site for any other purpose, including any commercial 
purpose, without Garen Marketing group’s express prior written consent. 
For example, you may not (and may not authorize any other party to) (i) 
co-brand this Site, (ii) frame this Site, or (iii) hyper-link to this 
Site without the express prior written permission of an authorized 
representative of Garen Marketing Group. 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 Garen Marketing 
Group in causing any unauthorized co-branding, framing, or 
hyper-linking immediately to cease. 
Proprietary Information 
The material and content (hereinafter referred to as the “Content”) 
accessible from this Site, and any other World Wide Web Site owned, 
operated, licensed, or controlled by Garen Marketing Group, are the 
proprietary information of Garen Marketing Group or the party that 
provided the Content to Garen Marketing Group, and Garen Marketing Group or 
the party that provided the Content to Garen Marketing Group retains all 
right, title, and interest in the Content. Accordingly, the Content may 
not be copied, distributed, republished, uploaded, posted, or 
transmitted in any way without the prior written consent of Garen Marketing 
Group, or, unless authorized in writing elsewhere on our Site, 
except that you may print out a copy of the Content solely for your 
personal use. In doing so, you may not remove or alter, or cause to be 
removed or altered, any copyright, trademark, trade name, service mark, 
or any other proprietary notice or legend appearing on any of the 
Content. Modification or use of the Content except as expressly provided
 in these Terms of Use violates Garen Marketing Group’s intellectual 
property rights. Neither title nor intellectual property rights are 
transferred to you by access to this Site. 
Hyper-Links 
This Site may be hyper-linked to other Sites that are not maintained by,
 or related to, Garen Marketing Group.  Hyper-links to such Sites are 
provided as a service to users and are not sponsored by or affiliated 
with this Site or Garen Marketing Group.  Garen Marketing Group has not 
reviewed any or all of such Sites and is not responsible for the content
 of those Sites. Hyper-links are to be accessed at the user's own risk, 
and Garen Marketing Group makes no representations or warranties about the
 content, completeness, or accuracy of these hyper-links or the sites 
hyper-linked to this Site. Further, the inclusion of any hyper-link to a
 third-party Site does not necessarily imply endorsement by Garen Marketing 
 Group of that Site. 
Submissions 
You hereby grant to Garen Marketing Group 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 content, remarks, 
suggestions, ideas, graphics, or other information communicated to 
Garen Marketing Group through this Site (together, hereinafter known as 
the “Submission”), and to incorporate any Submission in other works in 
any form, media, or technology now known or later developed. Magnetic 
Sponsoring will not be required to treat any Submission as confidential,
 and may use any Submission in its business (including, without 
limitation, for products or advertising) without incurring any liability
 for royalties or any other consideration of any kind, and will not 
incur any liability as a result of any similarities that may appear in 
future Garen Marketing Group operations. 
Garen Marketing Group will treat any personal information that you submit 
through this Site in accordance with its Privacy Policy as set forth on 
this Site.  
BY CLICKING ACCEPT TO THESE TERMS, YOU AGREE TO THE THEN CURRENT COMPANY
 PRIVACY POLICY AND THE EARNINGS DISCLAIMER AS INTEGRATED HEREIN AND 
INCORPORATED BY REFERENCE TO THESE TERMS.  IF YOU DO NOT AGREE TO THESE 
TERMS, THE PRIVACY POLICY, OR THE EARNINGS DISCLAIMER, PLEASE DO NOT 
CLICK THE “ACCEPT” BUTTON AND CEASE USE OF THIS SITE AND OUR SERVICES.  
NOTE THAT EACH OF THESE POLICIES MAY BE CHANGED FROM TIME TO TIME AT OUR
 COMPANY’S DISCRETION AND WITHOUT NOTICE, EXCEPT WITH A NEW LAST UPDATED
 DATE.
Consent to Automated Phone Calls
BY CLICKING THE ACCEPT BUTTON TO THESE TERMS, YOU HEREBY CONSENT THAT 
GAREN MARKETING GROUP MAY PLACE AUTOMATED AND LIVE PHONE CALLS TO THE 
NUMBER YOU PROVIDE. FOR MORE INFORMATION, SEE SECTION 16 CFR 310.
Disclaimer 
You understand that Garen Marketing Group cannot and does not guarantee or
 warrant that files available for downloading from the Internet will be 
free of viruses, worms, Trojan horses, or other code that may manifest 
contaminating or destructive properties. You are responsible for 
implementing sufficient procedures and checkpoints to satisfy your 
particular requirements for accuracy of data input and output, and for 
maintaining a means external to this Site for the reconstruction of any 
lost data. Garen Marketing Group does not assume any responsibility or 
risk for your use of the Internet. 
The Content is not necessarily complete and up to date and should not be
 used to replace any written reports, statements, or notices provided by
 Garen Marketing Group. Investors, borrowers, and other persons should use
 the Content in the same manner as any other educational medium and 
should not rely on the Content to the exclusion of their own 
professional judgment. Information obtained by using this Site is not 
exhaustive and does not cover all issues, topics, or facts that may be 
relevant to your goals. 
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED “AS 
IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. 
GAREN MARKETING GROUP DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED 
WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, 
OR NON-INFRINGEMENT. GAREN MARKETING GROUP DOES NOT WARRANT THAT THE 
FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR 
ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE 
SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL 
COMPONENTS. GAREN MARKETING GROUP DOES NOT WARRANT OR MAKE ANY 
REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN 
TERMS OF ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE 
TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND GAREN MARKETING GROUP 
MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT GAREN MARKETING 
GROUP, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, 
OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF
 THIS SITE OR ITS CONTENT. GAREN MARKETING GROUP MAKES NO WARRANTIES THAT 
YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND 
ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH 
CONTENT. 
All of the information in this Site, whether historical in nature or 
forward-looking, speaks only as of the date the information is posted on
 this Site, and Garen Marketing Group does not undertake any obligation to
 update such information after it is posted or to remove such 
information from this Site if it is not, or is no longer, accurate or 
complete. You agree that Garen Marketing Group does not have any 
obligation to monitor or correct information that has been posted by 
other customers or third parties on this Site. 
Limitation On Liability 
GAREN MARKETING GROUP, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE 
PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS
 WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, 
ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING 
LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR 
SIMILAR DAMAGES, EVEN IF GAREN MARKETING GROUP HAS BEEN ADVISED OF THE 
POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY 
OF GAREN MARKETING GROUP AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, 
SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND 
DIRECTORS, TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN 
CONTRACT, TORT, OR OTHERWISE) EXCEED THE AMOUNT YOU HAVE PAID TO 
GAREN MARKETING GROUP FOR THE APPLICABLE CONTENT, PRODUCT, OR SERVICE OUT 
OF WHICH LIABILITY AROSE (“CUMULATIVE LIABILITY CAP”). 
SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF WARRANTIES OR 
EXCLUSIONS OF DAMAGES, SO SUCH DISCLAIMERS OR EXCLUSIONS MAY NOT APPLY 
TO YOU.  NOTWITHSTANDING THE PRIOR SENTENCE, YOU AGREE THAT, IF GAREN MARKETING
GROUP IS FOUND LIABLE, GAREN MARKETING GROUP’S CUMULATIVE LIABILITY 
WILL BE CAPPED AT THE CUMULATIVE LIABILITY CAP SET FORTH ABOVE.
Indemnity 
You will indemnify and hold Garen Marketing Group, its subsidiaries, 
affiliates, licensors, Content providers, service providers, employees, 
agents, officers, directors, and contractors (hereinafter known as the 
“Indemnified Parties”) harmless from any claim or demand, including 
reasonable attorneys’ fees, made by a third party due to or arising from
 any breach of these Terms by you (including any use of Content other 
than as expressly authorized in these Terms), or any violation of any 
law or the rights of any third party. You agree that the Indemnified 
Parties will have no liability in connection with any such breach or 
unauthorized use, and you agree to indemnify and hold harmless the 
Indemnified Parties from and against any and all resulting loss, 
damages, judgments, awards, costs, expenses, and attorneys' 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 information 
accessed from this Site. 
Notices
Legal notices shall be served on Garen Marketing Group’s national 
registered agent and to you via your e-mail address that you provide to 
Garen Marketing Group during the initial registration process.
Trademarks 
Trademarks, service marks, and logos appearing in this Site are the 
property of Garen Marketing Group or the party that provided the 
trademarks, service marks, and logos to Garen Marketing Group. Garen 
Marketing Group and any party that provided trademarks, service marks, and 
logos to Garen Marketing Group retain all rights with respect to any of 
their respective trademarks, service marks, and logos appearing in this 
Site. 
Information You Provide 
You may not post, send, submit, publish, or transmit in connection with 
this Site any material that: 
* you do not have the right to post, including proprietary material of 
any third party; 
* advocates illegal activity or discusses an intent to commit an illegal
 act; 
* is vulgar, obscene, pornographic, or indecent; 
* does not pertain directly to this Site; 
* threatens or abuses others, libels, defames, invades privacy, stalks, 
is obscene, pornographic, racist, abusive, harassing, threatening, or 
offensive; 
* seeks to exploit or harm children by exposing them to inappropriate 
content, asking for personally identifiable details, or otherwise; 
* infringes any intellectual property or other right of any entity or 
person, including violating anyone's copyrights or trademarks or their 
rights of publicity; 
* violates any law or may be considered to violate any law; 
* impersonates or misrepresents your connection to any other entity or 
person or otherwise manipulates headers or identifiers to disguise the 
origin of the content; 
* advertises any commercial endeavor (e.g., offering for sale products 
or services) or otherwise engages in any commercial activity (e.g., 
conducting raffles or contests, displaying sponsorship banners, and/or 
soliciting goods or services) except as may be specifically authorized 
on this Site; 
* solicits funds, advertisers, or sponsors; 
* includes programs that contain viruses, worms and/or Trojan horses, or
 any other computer code, files, or programs designed to interrupt, 
destroy, or limit the functionality of any computer software or hardware
 or telecommunications; 
* disrupts the normal flow of dialogue, causes a screen to scroll faster
 than other users are able to type, or otherwise acts in a way that 
affects the ability of other people to engage in real time activities 
via this Site; 
* includes MP3 format files; 
* amounts to a “pyramid” or similar scheme; 
* disobeys any policy or regulations established from time to time 
regarding use of this Site or any networks connected to this Site; or 
* contains hyper-links to other Sites that contain content that falls 
within the descriptions set forth above. 
Although under no obligation to do so, Garen Marketing Group reserves the 
right to monitor use of this Site to determine compliance with these 
Terms of Use, as well the right to remove or refuse any information for 
any reason. Notwithstanding these rights, you remain solely responsible 
for the content of your submissions. You acknowledge and agree that 
neither Garen Marketing Group nor any third party that provides Content to
 Garen Marketing Group will assume or have any liability for any action or
 inaction by Garen Marketing Group or such third party with respect to any
 submission. 
Security 
Any passwords used for this Site are for individual use only. You will 
be responsible for the security of your password (if any). Garen Marketing 
Group will be entitled to monitor your password and, at its 
discretion, require you to change it. If you use a password that 
Garen Marketing Group considers insecure, Garen Marketing Group will be 
entitled to require the password to be changed and/or terminate your 
account. 
You are prohibited from using any services or facilities provided in 
connection with this Site to compromise security or tamper with system 
resources and/or accounts. The use or distribution of tools designed for
 compromising security (e.g., password guessing programs, cracking 
tools, or network probing tools) is strictly prohibited. If you become 
involved in any violation of system security, Garen Marketing Group 
reserves the right to release your details to system administrators at 
other Sites in order to assist them in resolving security incidents. 
Garen Marketing Group reserves the right to investigate suspected 
violations of these Terms of Use. 
Garen Marketing Group reserves the right to fully cooperate with any law 
enforcement authorities or court order requesting or directing Garen Marketing 
Group to disclose the identity of anyone posting any e-mail 
messages, or publishing or otherwise making available any materials that
 are believed to violate these Terms of Use. 
BY ACCEPTING THESE TERMS YOU WAIVE AND HOLD HARMLESS GAREN MARKETING GROUP
 FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY GAREN MARKETING GROUP 
DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS 
TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER GAREN MARKETING GROUP 
OR LAW ENFORCEMENT AUTHORITIES. 
Refunds, Cancellations, and Billing Policy 
All products are backed by a money-back guarantee as stated on the Web 
Site from which you purchased. 
Garen Marketing Group has the right to change the refund policy at any 
time, but it will be reflected on future orders, not past orders. 
Guarantee starts from the purchase date. Refund requests or products 
returned after the refund policy has expired are not subject to a refund
 and a refund will not be issued. 
Products returned after the policy has expired will be shipped back to 
the customer. 
If a digital product is purchased, a refund request letter must be sent 
to our office in order for a refund to be processed. You can also fax 
the letter to to 876-398-9339. Be sure to include ALL of your contact 
information: Full Name, Email and the name of the course you wish to 
have refunded so we can find you in the system. This is to prevent 
fraudulent orders. 
Digital Product Refund Request Letter Address: 
Garen Marketing Group LLC 
c/o Customer Service 
Shaw Park Lime Bottom Lot 39
Ocho Rios P.O Box 840
Jamaica
Physical Products Return Address: 
Garen Marketing Group LLC 
4610 Prime Pkwy 
McHenry, IL 60050 
Upon a refund being processed, please allow 5 to 15 business days for 
the transaction to post to your account. Transaction times depend on the
 policies of your bank or credit card companies. Refunds requested after
 90 days or in cases of changed or expired credit cards may be subject 
to alternative means of repayment.
In the case of monthly products (e.g., monthly newsletters), you have 30
 days to try the product. You are under no obligation and can cancel at 
any time by contacting support and requesting us to cancel your 
subscription. Monthly products are not backed by a money-back guarantee.
 
http://www.garenthoms.com/support 
Upon cancellation your card will never be billed again. 
<a name="testdrive"><b>$1 Test Drive</b></a> 
In some cases, you may agree to a "$1 test-drive" of one of our 
products. A valid credit card is required to start the trial. At the 
time of activation of the trial, your card will be charged for either $1
 or the full amount of purchase price. 
At the end of the trial, you agree and will be billed for the full 
purchase price. You are under no obligation and can cancel at any time 
during the "test-drive" period and your card will never be billed. 
Miscellaneous 
These Terms of Use will be governed and interpreted pursuant to the laws
 of St Ann, Jamaica, notwithstanding any principles of 
conflicts of law. You specifically consent to personal jurisdiction in 
Ocho Rios in connection with any dispute between you and Garen Marketing Group
 arising out of these Terms of Use or pertaining to the subject matter 
hereof. The parties to these Terms of Use each agree that the exclusive 
venue for any dispute between the parties arising out of these Terms of 
Use or pertaining to the subject matter of these Terms of Use will be in
 the federal courts in St Ann, Travis County, Jamaica. If any 
part of these Terms of Use is unlawful, void, or unenforceable, that 
part will be deemed severable and will not affect the validity and 
enforceability of any remaining provisions. These Terms of Use 
constitute the entire agreement among the parties relating to this 
subject matter. Notwithstanding the foregoing, any additional terms and 
conditions on this Site will govern the items to which they pertain. 
Garen Marketing Group may revise these Terms of Use at any time by 
updating this posting. This agreement sets forth the entire 
understanding and agreement between you and Garen Marketing Group with 
respect to the subject matter hereof. The following Sections shall 
survive termination of these Terms: proprietary information, 
submissions, disclaimer, limitation of liability, indemnity, notices, 
and this provision.
Last updated: January 7 2010.

Garen Marketing 
Group, LLC Affiliate Agreement
THIS AGREEMENT (the "Agreement") is made as of the moment of completion 
of signup for the Garen Marketing Group, LLC Affiliate Program, by and 
between, GAREN MARKETING GROUP, LLC (the "Company"), and the person 
signing up for the program (the "Affiliate," and collectively, the 
"Parties").
 
WHEREAS Affiliate wishes to include certain materials promoting Company,
 and to include a link to Company's website within those materials on 
Affiliate's website;
NOW THEREFORE, in consideration of the mutual promises, covenants, 
warranties, and other good and valuable consideration set forth herein, 
the Parties agree as follows:
   1. Promotional Materials. Company shall make available to Affiliate 
certain banner advertisements, button links, text links, and/or other 
graphic or textual material for display and use on the Affiliate website
 (the "Promotional Materials"). Affiliate shall display the Promotional 
Materials on Affiliate's website prominently and as Affiliate sees fit, 
provided that the manner of display shall be subject to the terms and 
conditions of this Agreement. Affiliate shall also include a link from 
the Promotional Materials to Company's website, as specified by Company.
   2. Use of Promotional Materials. The Affiliate's use and display of 
the Promotional Materials on the Affiliate's site shall conform to the 
following terms, conditions and specifications:
         1. Affiliate may not use any graphic, textual or other 
materials to promote Company's website, products or services other than 
the Promotional Materials, unless Company agrees to such other materials
 in writing prior to their display.
         2. Affiliate may only use the Promotional Materials for the 
purpose of promoting Company's website (and the products and services 
available thereon), and for linking to Company's website.
         3. The Promotional Materials will be used to link only to 
Company's website, to the specific page and address as specified by 
Company.
         4. Affiliate will not alter, add to, subtract from, or 
otherwise modify the Promotional Materials as they are prepared by 
Company. If Affiliate wishes to alter or otherwise modify the 
Promotional Materials, Affiliate must obtain prior written consent from 
Company for such alteration of modification.
   3. License. Company hereby grants to Affiliate a nonexclusive, 
nontransferable license (the "License") to use the Promotional Materials
 as specified under the terms and conditions of this Agreement. The term
 of the License shall expire upon the expiration or termination of this 
Agreement.
   4. Intellectual Property. Company retains all right, ownership, and 
interest in the Promotional Materials, and in any copyright, trademark, 
or other intellectual property in the Promotional Materials. Nothing in 
this Agreement shall be construed to grant Affiliate any rights, 
ownership or interest in the Promotional Materials, or in the underlying
 intellectual property, other than the rights to use the Promotional 
Materials granted under the License, as set forth in Section 3.
   5. Relationship of Parties. This Agreement shall not be construed to 
create any employment relationship, agency relationship, or partnership 
between Company and Affiliate. Affiliate shall provide services for 
Company as an independent contractor. Affiliate shall have no authority 
to bind Company into any agreement, nor shall Affiliate be considered to
 be an agent of Company in any respect.
   6. Commissions.
         1. In exchange for Affiliate's display of the Promotional 
Materials, and for Affiliate's compliance with and performance of the 
terms and conditions of this Agreement, Company shall pay to Affiliate a
 commission (the "Commission") in the amount as stated by the company. 
The company has sole rights to change product pricing and commission 
percentage at anytime without notice to affiliates.
         2. Company shall keep accurate and up-to-date records of the 
data used to determine the total amount of Commissions owed to 
Affiliate. Affiliate shall be given reasonable access to these records 
upon request. Any discrepancy between the amount of Commissions owed 
according to these records, and the actual amount of Commissions paid to
 Affiliate in any period or periods shall be rectified by Company within
 14 days of discovering such discrepancy.
         3. (if applicable) For the purposes of this Agreement, a "Bona 
Fide Click-Through" shall be defined as any successful attempt by a 
visitor of Affiliate's website to click on the link within the 
Promotional Materials on Affiliate's website and to visit Company's 
website. Company shall have sole discretion to determine whether any 
particular click-through or class of click-throughs shall qualify as 
Bona Fide Click-Throughs. Affiliate shall not attempt to: (i) 
artificially attempt to generate click-throughs to Company's website by 
use of deception or misrepresentation; (ii) manipulate, incentivize, or 
otherwise encourage Affiliate's employees, agents, customers, or other 
persons to click the link to the Company's website for any purpose other
 than the promotion of the services and/or products offered through 
Company's website; or (iii) create or employ any mechanism designed to 
artificially or automatically generate click-throughs to Company's 
website.
         4. Company shall pay all Commissions accrued and payable to 
Affiliate within 7 days of the first day of each month (the "Commission 
Payment Date.") If at any time, the balance of accrued and payable 
Commissions is held over for 2 consecutive months, then Company shall 
pay all accrued and payable Commissions to Affiliate in the third month,
 regardless of the total amount owed.
         5. In the event that Affiliate materially breaches this 
Agreement and Company terminates this Agreement within 30 days of such 
breach, then any accrued and payable Commissions owing to Affiliate 
shall be forfeited, and Company shall not be obligated to pay such 
Commissions to Affiliate.
   7. Affiliate's Representations and Warranties. Affiliate represents 
and warrants the following:
         1. Affiliate has the legal authority to enter into this 
Agreement and to be bound to the promises, covenants, and other duties 
set forth in this Agreement.
         2. Affiliate's website does not contain any materials that are:
               1. Sexually explicit, obscene, or pornographic;
               2. Offensive, profane, hateful, threatening, harmful, 
defamatory, libelous, harassing, or discriminatory (whether based on 
race, ethnicity, creed, religion, gender, sexual orientation, physical 
disability, or otherwise);
               3. Graphically violent, including any violent video game 
images; or
               4. Solicitous of any unlawful behavior
         3. Affiliate has obtained any necessary clearances, licenses, 
or other permission for any intellectual property used on Affiliate's 
website. Nothing on Affiliate's website infringes upon the intellectual 
property rights of any person or entity. No person or entity has brought
 or threatened an action claiming such infringement, nor does Affiliate 
have any reason to believe that any person or entity will bring or 
threaten such a claim in the future.
         4. Affiliate will not use the Promotional Materials in any 
manner other than those set forth in Section 2 above.
         5. Affiliate will not make any claim to ownership of the 
Promotional Materials, or of the copyright, trademark, or other 
intellectual property therein.
         6. Affiliate will not publish or otherwise distribute any 
advertising materials for Affiliate's website that reference Company or 
Company's website unless Company gives prior written consent to the 
distribution of such materials. Affiliate will not use Company's name 
(or any name that is confusingly similar to Company's name) for any 
purpose on its website, in its promotional materials, or in any other 
context except to promote Company's website as specified in this 
Agreement. Affiliate will not register any domain name that incorporates
 Company's name, or that is confusingly similar to Company's name.
         7. Affiliate will not engage in the distribution of any 
unsolicited bulk emails (spam) in any way mentioning or referencing 
Company or Company's websites.
   8. Indemnification. Affiliate shall indemnify Company and hold 
harmless Company from any claim, damage, lawsuit, action, complaint, or 
other costs arising out of any breach of Affiliate's warranties set 
forth in Section 7 above. Affiliate shall also indemnify and hold 
harmless Company for any damage, loss or other cost arising out of the 
use or misuse by Affiliate of the Promotional Materials.
   9. Confidentiality. Any information that Affiliate is exposed to by 
virtue of its relationship with Company under this Agreement, which 
information is not available to the general public, shall be considered 
to be "Confidential Company Information." Affiliate may not disclose any
 Confidential Company Information to any person or entity, except where 
compelled by law, unless Affiliate obtains prior written consent for 
such disclosure from Company.
  10. Term.
         1. This Agreement shall take effect on date of signup and shall
 remain in full force and effect indefinitely, or until terminated 
pursuant to this Section 10.
         2. Either Party shall have the right to terminate this 
Agreement at any time and for any cause and without notice. 
  11. Taxes. Company shall not be responsible for any taxes owed by 
Affiliate arising out of Affiliate's relationship with Company as set 
forth in this Agreement. Company shall not withhold any taxes from the 
Commissions paid to Affiliate.
  12. Limitation of Liability. Company shall not be liable for any loss 
of profits or costs, or for any direct, indirect, special, incidental or
 consequential damages, including costs associated with the procurement 
of substitute goods or services (whether Company was or should have been
 aware or advised of the possibility of such damage), arising out of or 
associated with any loss, suspension or interruption of service, 
termination of this Agreement, use or misuse of the Promotional 
Materials, or other performance of services under this Agreement.
  13. Governing Law. This Agreement shall be construed in accordance 
with, and governed in all respects by, the laws of the State of Texas, 
without regard to conflicts of law principles.
  14. Counterparts. This Agreement may be executed in several 
counterparts, each of which shall constitute an original and all of 
which, when taken together, shall constitute one agreement.
  15. Severability. If any part or parts of this Agreement shall be held
 unenforceable for any reason, the remainder of this Agreement shall 
continue in full force and effect. If any provision of this Agreement is
 deemed invalid or unenforceable by any court of competent jurisdiction,
 and if limiting such provision would make the provision valid, then 
such provision shall be deemed to be construed as so limited.
  16. Notice. Any notice required or otherwise given pursuant to this 
Agreement shall be in writing and mailed certified return receipt 
requested, postage prepaid, or delivered by overnight delivery service, 
addressed as follows:
      Garen Marketing Group LLC
      PO Box 840
      Jamaica, JA 99999
  17. Headings. The headings for section herein are for convenience only
 and shall not affect the meaning of the provisions of this Agreement.
  18. Entire Agreement. This Agreement constitutes the entire agreement 
between Company and Affiliate, and supersedes any prior understanding or
 representation of any kind preceding the date of this Agreement. There 
are no other promises, conditions, understandings or other agreements, 
whether oral or written, relating to the subject matter of this 
Agreement.

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