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Many people start an online business and can't make a dime. I know I was there just a little while ago. The reason why they have a hard time making money online is that they don't know what to do. They try different things but without a mentor to lead them they fall flat on their face and spend a lot of money trying to figure things out.

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Terms of Service and Privacy Policy

Contents:

  1. Terms of Service
  2. Privacy Policy

Terms of Service:

The following terms and conditions govern all use of the IncomGuru.com website and all
content,
services and products available at or through the website (taken together, the Website). The Website is owned
and operated by Toliver Enterprises LLC ("Maxwell"). The Website is
offered subject to your acceptance without modification of all of the terms and conditions contained herein and
all other operating rules, policies (including, without
limitation, Toliver Privacy Policy) and procedures that may be
published from time to time on this Site by Maxwell (collectively, the "Agreement").

Please read this Agreement carefully before accessing or using the Website. By accessing or using any part of the
web site, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all
the terms and conditions of this agreement, then you may not access the Website or use any services. If these
terms and conditions are considered an offer by Maxwell, acceptance is expressly limited to
these terms. The Website is available only to individuals who are at least 13 years
old.

  1. Your IncomGuru.com Account and Site. If you create a blog/site on the
    Website, you are responsible for maintaining the security of your account and blog, and you are fully
    responsible for all activities that occur under the account and any other actions taken in connection with
    the blog. You must not describe or assign keywords to your blog in a misleading or unlawful manner,
    including in a manner intended to trade on the name or reputation of others, and Maxwell may change or remove any description or keyword that it considers inappropriate or unlawful, or otherwise
    likely to cause Maxwell liability. You must immediately
    notify Maxwell of any unauthorized uses of your blog, your account or any other breaches
    of security. Maxwell will not be liable for any acts or omissions by You, including any
    damages of any kind incurred as a result of such acts or omissions.
  2. Responsibility of Contributors. If you operate a blog, comment on a blog, post material to
    the Website, post links on the Website, or otherwise make (or allow any third party to make) material
    available by means of the Website (any such material, "Content"), You are entirely responsible for
    the content of, and any harm resulting from, that Content. That is the case regardless of whether the
    Content in question constitutes text, graphics, an audio file, or computer software. By making Content
    available, you represent and warrant that:

    • the downloading, copying and use of the Content will not infringe the proprietary rights, including
      but not limited to the copyright, patent, trademark or trade secret rights, of any third party;
    • if your employer has rights to intellectual property you create, you have either (i) received
      permission from your employer to post or make available the Content, including but not limited to
      any software, or (ii) secured from your employer a waiver as to all rights in or to the Content;
    • you have fully complied with any third-party licenses relating to the Content, and have done all
      things necessary to successfully pass through to end users any required terms;
    • the Content does not contain or install any viruses, worms, malware, Trojan horses or other harmful
      or destructive content;
    • the Content is not spam, is not machine- or randomly-generated, and does not
      contain unethical or unwanted commercial content designed to drive traffic to third party sites or
      boost the search engine rankings of third party sites, or to further unlawful acts (such as
      phishing) or mislead recipients as to the source of the material (such as spoofing);
    • the Content is not pornographic, does not contain threats or incite violence towards individuals or
      entities, and does not violate the privacy or publicity rights of any third party;
    • your blog is not getting advertised via unwanted electronic messages such as spam links on
      newsgroups, email lists, other blogs and web sites, and similar unsolicited promotional methods;
    • your blog is not named in a manner that misleads your readers into thinking that you are another
      person or company. For example, your blog's URL or name is not the name of a person other than
      yourself or company other than your own; and
    • you have, in the case of Content that includes computer code, accurately categorized and/or
      described the type, nature, uses and effects of the materials, whether requested to do so by
      Maxwell or otherwise.

    By submitting Content to Maxwell for inclusion on your Website, you
    grant Maxwell a world-wide, royalty-free, and non-exclusive license to reproduce,
    modify, adapt and publish the Content solely for the purpose of displaying, distributing and promoting
    your blog. If you delete Content, Maxwell will use reasonable efforts to remove it
    from the Website, but you acknowledge that caching or references to the Content may not be made
    immediately unavailable.

    Without limiting any of those representations or warranties, Maxwell has the right
    (though not the obligation) to, in Toliver sole discretion (i) refuse or
    remove any content that, in Toliver reasonable opinion, violates
    any Maxwell policy or is in any way harmful or objectionable, or (ii) terminate or
    deny access to and use of the Website to any individual or entity for any reason,
    in Toliver sole discretion. Maxwell will have no
    obligation to provide a refund of any amounts previously paid.

  3. Payment and Renewal.
    • General Terms.
      By selecting a product or service, you agree to pay Maxwell the one-time and/or
      monthly or
      annual subscription fees indicated (additional payment terms may be included in other
      communications). Subscription payments will be charged on a pre-pay basis on the day you sign up for
      an Upgrade and will cover the use of that service for a monthly or annual subscription period as
      indicated. Payments are not refundable.
    • Automatic Renewal.
      Unless you notify Maxwell before the end of the applicable subscription period
      that you want
      to cancel a subscription, your subscription will automatically renew and you authorize us to collect
      the then-applicable annual or monthly subscription fee for such subscription (as well as any taxes)
      using any credit card or other payment mechanism we have on record for you. Upgrades can be canceled
      at any time by submitting your request to Maxwell in writing.
  4. Services.
    • Fees; Payment. By signing up for a Services account you agree to
      pay Maxwell the applicable setup fees and recurring fees. Applicable fees will be invoiced starting from the day
      your services are established and in advance of using such services. Maxwell reserves the
      right to change the payment terms and fees
      upon thirty (30) days prior written notice to you. Services can be canceled by you at anytime on
      thirty (30) days written notice
      to Maxwell.
    • Support. If your service includes access to priority email support. "Email
      support" means the ability to make requests for technical support assistance by email at any
      time (with reasonable efforts by Maxwell to respond within
      one business day) concerning the use of the VIP Services.
      "Priority"
      means that support takes priority over support for users of the standard or
      free IncomGuru.com services. All support will be provided in accordance
      with Maxwell standard services practices,
      procedures and policies.
  5. Responsibility of Website Visitors. Maxwell has not reviewed, and
    cannot review, all
    of the material, including computer software, posted to the Website, and cannot therefore be responsible for
    that material's content, use or effects. By operating the Website, Maxwell does not
    represent or imply
    that it endorses the material there posted, or that it believes such material to be accurate, useful or
    non-harmful. You are responsible for taking precautions as necessary to protect yourself and your computer
    systems from viruses, worms, Trojan horses, and other harmful or destructive content. The Website may
    contain content that is offensive, indecent, or otherwise objectionable, as well as content containing
    technical inaccuracies, typographical mistakes, and other errors. The Website may also contain material that
    violates the privacy or publicity rights, or infringes the intellectual property and other proprietary
    rights, of third parties, or the downloading, copying or use of which is subject to additional terms and
    conditions, stated or unstated. Maxwell disclaims any responsibility for any harm
    resulting from the
    use by visitors of the Website, or from any downloading by those visitors of content there posted.
  6. Content Posted on Other Websites. We have not reviewed, and cannot review, all of the
    material, including computer software, made available through the websites and webpages to which
    IncomGuru.com links, and that link to IncomGuru.com.
    Maxwell does not have any control over those non-Maxwell websites
    and webpages, and is not responsible for their contents or their use. By linking to a
    non-Maxwell website or webpage, Maxwell does not represent or imply
    that it endorses such website or webpage. You are responsible for taking precautions as necessary to protect
    yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive
    content. Maxwell disclaims any responsibility for any harm resulting from your use of
    non-Maxwell websites and webpages.
  7. Copyright Infringement and DMCA Policy. As Maxwell asks others to
    respect its
    intellectual property rights, it respects the intellectual property rights of others. If you believe that
    material located on or linked to by IncomGuru.com violates your copyright, you are
    encouraged to notify Maxwell in accordance with Digital Millennium Copyright Act ("DMCA") Policy.
    Maxwell will respond to all such notices, including as required or appropriate by
    removing the infringing material or disabling all links to the infringing
    material. Maxwell will terminate a visitor's access to and use of the Website if, under
    appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other
    intellectual property rights of Maxwell or others. In the case of such
    termination, Maxwell will have no obligation to provide a refund of any amounts
    previously paid to Maxwell.
  8. Intellectual Property. This Agreement does not transfer from Maxwell to you any Maxwell or third party intellectual property, and all right, title and
    interest in and to such property will remain (as between the parties) solely
    with Maxwell. Maxwell, IncomGuru.com,
    the IncomGuru.com logo, and all other trademarks, service marks, graphics and logos used
    in connection with IncomGuru.com, or the Website are trademarks or registered trademarks
    of Maxwell or Toliver licensors. Other trademarks, service
    marks, graphics and logos used in connection with the Website may be the trademarks of other third parties.
    Your use of the Website grants you no right or license to reproduce or otherwise use
    any Maxwell or third-party trademarks.
  9. Advertisements. Maxwell reserves the right to display advertisements
    on your blog unless you have purchased an ad-free account.
  10. Attribution. Maxwell reserves the right to display attribution links
    such as 'Blog at IncomGuru.com,' theme author, and font attribution in your blog footer
    or toolbar.
  11. Partner Products. By activating a partner product (e.g. theme) from one of our partners,
    you agree to that partner's terms of service. You can opt out of their terms of service at any time by
    de-activating the partner product.
  12. Domain Names. If you are registering a domain name, using or transferring a previously
    registered domain name, you acknowledge and agree that use of the domain name is also subject to the
    policies of the Internet Corporation for Assigned Names and Numbers ("ICANN"), including their Registration
    Rights and Responsibilities
    .
  13. Changes. Maxwell reserves the right, at its sole discretion, to modify
    or replace any
    part of this Agreement. It is your responsibility to check this Agreement periodically for changes. Your
    continued use of or access to the Website following the posting of any changes to this Agreement constitutes
    acceptance of those changes. Maxwell may also, in the future, offer new services and/or
    features
    through the Website (including, the release of new tools and resources). Such new features and/or services
    shall be subject to the terms and conditions of this Agreement.
  14. Termination. Maxwell may terminate your access to all or any part of
    the Website at
    any time, with or without cause, with or without notice, effective immediately. If you wish to terminate
    this Agreement or your IncomGuru.com account (if you have one), you may simply
    discontinue
    using the
    Website. Notwithstanding the foregoing, if you have a paid services account, such account can only be
    terminated by Maxwell if you materially breach this Agreement and fail to cure such
    breach within
    thirty (30) days from Toliver notice to you thereof;
    provided that, Maxwell can terminate the Website immediately as part of a general shut
    down of our
    service. All provisions of this Agreement which by their nature should survive termination shall survive
    termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and
    limitations of liability.
  15. Disclaimer of Warranties. The Website is provided "as is".
    Maxwell and its suppliers and licensors hereby disclaim all warranties of any kind,
    express or
    implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose
    and non-infringement. Neither Maxwell nor its suppliers and licensors, makes any
    warranty that the
    Website will be error free or that access thereto will be continuous or uninterrupted. You understand that
    you download from, or otherwise obtain content or services through, the Website at your own discretion and
    risk.
  16. Limitation of Liability. In no event will Maxwell,
    or its suppliers
    or licensors, be liable with respect to any subject matter of this agreement under any contract, negligence,
    strict liability or other legal or equitable theory for: (i) any special, incidental or consequential
    damages; (ii) the cost of procurement for substitute products or services; (iii) for interruption of use or
    loss or corruption of data; or (iv) for any amounts that exceed the fees paid by you
    to Maxwell under this agreement during
    the twelve (12) month period prior to the cause of
    action. Maxwell shall have no liability for any failure or delay due to matters beyond
    their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law.
  17. General Representation and Warranty. You represent and warrant that (i) your use of the
    Website will be in strict accordance with
    the Maxwell Privacy Policy, with this Agreement
    and with all applicable laws and regulations (including without limitation any local laws or regulations in
    your country, state, city, or other governmental area, regarding online conduct and acceptable content, and
    including all applicable laws regarding the transmission of technical data exported from the United States
    or the country in which you reside) and (ii) your use of the Website will not infringe or misappropriate the
    intellectual property rights of any third party.
  18. Indemnification. You agree to indemnify and hold harmless Maxwell, its
    contractors,
    and its licensors, and their respective directors, officers, employees and agents from and against any and
    all claims and expenses, including attorneys' fees, arising out of your use of the Website, including but
    not limited to your violation of this Agreement.
  19. Miscellaneous. This Agreement constitutes the entire agreement
    between Maxwell and
    you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an
    authorized executive of Maxwell, or by the posting by Maxwell of a
    revised version. Except to
    the extent applicable law, if any, provides otherwise, this Agreement, any access to or use of the Website
    will be governed by the laws of the state of Arizona, excluding its conflict of law provisions,
    and the proper
    venue for any disputes arising out of or relating to any of the same will be the state and federal courts
    located in Maricopa County, Arizona. Except for claims for injunctive or equitable relief or
    claims regarding
    intellectual property rights (which may be brought in any competent court without the posting of a bond),
    any dispute arising under this Agreement shall be finally settled in accordance with the Comprehensive
    Arbitration Rules of the Judicial Arbitration and Mediation Service, Inc. ("JAMS") by three
    arbitrators appointed in accordance with such Rules. The arbitration shall take place in
    Maricopa, Arizona, in the English language and the arbitral decision may be
    enforced
    in any court.
    The prevailing party in any action or proceeding to enforce this Agreement shall be entitled to costs and
    attorneys' fees. If any part of this Agreement is held invalid or unenforceable, that part will be construed
    to reflect the parties' original intent, and the remaining portions will remain in full force and effect. A
    waiver by either party of any term or condition of this Agreement or any breach thereof, in any one
    instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights
    under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions;
    Maxwell may assign its rights under this Agreement without condition. This Agreement
    will be binding
    upon and will inure to the benefit of the parties, their successors and permitted assigns.

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Privacy Policy:

Toliver Enterprises LLC ("Maxwell")
operates IncomGuru.com and may operate other websites. It
is Toliver policy to respect your privacy regarding any information we may collect
while operating our websites.

Website Visitors

Like most website operators, Maxwell collects non-personally-identifying information of the
sort that web browsers and servers typically make available, such as the browser type, language preference,
referring site, and the date and time of each visitor request. Toliver purpose in
collecting non-personally identifying information is to better understand
how Toliver visitors use its website. From time to
time, Maxwell may release non-personally-identifying information in the aggregate, e.g., by
publishing a report on trends in the usage of its website.

Maxwell also collects potentially personally-identifying information like Internet Protocol
(IP) addresses for logged in users and for users leaving comments on IncomGuru.com blogs/sites. Maxwell only discloses logged in user and commenter IP addresses under the same
circumstances that it uses and discloses personally-identifying information as described below, except that
commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site
where the comment was left.

Gathering of Personally-Identifying Information

Certain visitors to Toliver websites choose to interact
with Maxwell in ways that require Maxwell to gather
personally-identifying information. The amount and type of information that Maxwell gathers
depends on the nature of the interaction. For example, we ask visitors who sign up at IncomGuru.com to provide a
username and email address. Those who engage in transactions with Maxwell are asked to
provide additional information, including as necessary the personal and financial information required to
process those transactions. In each case, Maxwell collects such information only insofar as
is necessary or appropriate to fulfill the purpose of the visitor's interaction with
Maxwell. Maxwell does not disclose personally-identifying information
other than as described below. And visitors can always refuse to supply personally-identifying information, with
the caveat that it may prevent them from engaging in certain website-related activities.

Aggregated Statistics

Maxwell may collect statistics about the behavior of visitors to its
websites. Maxwell may display this information publicly or provide it to others.
However, Maxwell does not disclose personally-identifying information other than as
described below.

Protection of Certain Personally-Identifying Information

Maxwell discloses potentially personally-identifying and personally-identifying information
only to those of its employees, contractors and affiliated organizations that (i) need to know that information
in order to process it on Toliver behalf or to provide services available
at Toliver websites, and (ii) that have agreed not to disclose it to others. Some
of those employees, contractors and affiliated organizations may be located outside of your home country; by
using Toliver websites, you consent to the transfer of such information to
them. Maxwell will not rent or sell potentially personally-identifying and
personally-identifying information to anyone. Other than to its employees, contractors and affiliated
organizations, as described above, Maxwell discloses potentially personally-identifying and
personally-identifying information only in response to a subpoena, court order or other governmental request, or
when Maxwell believes in good faith that disclosure is reasonably necessary to protect the
property or rights of Maxwell, third parties or the public at large. If you are a registered
user of an Maxwell website and have supplied your email address, Maxwell may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to
date with what's going on with Maxwell and our products. If you send us a request (for
example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us
clarify or respond to your request or to help us support other users. Maxwell takes all
measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of
potentially personally-identifying and personally-identifying information.

Cookies

A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser
provides to the website each time the visitor returns. Maxwell uses cookies to
help Maxwell identify and track visitors, their usage of Maxwell website, and their website access preferences. Maxwell visitors who do not wish to have
cookies placed on their computers should set their browsers to refuse cookies before
using Toliver websites, with the drawback that certain features
of Toliver websites may not function properly without the aid of cookies.

Business Transfers

If Maxwell, or substantially all of its assets, were acquired, or in the unlikely event
that Maxwell goes out of business or enters bankruptcy, user information would be one of the
assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that
any acquirer of Maxwell may continue to use your personal information as set forth in this
policy.

Ads

Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies.
These cookies allow the ad server to recognize your computer each time they send you an online advertisement to
compile information about you or others who use your computer. This information allows ad networks to, among
other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy
Policy covers the use of cookies by Maxwell and does not cover the use of cookies by any
advertisers.

Privacy Policy Changes

Although most changes are likely to be minor, Maxwell may change
its Privacy Policy from time to time, and in Toliver sole
discretion. Maxwell encourages visitors to frequently check this page for any changes to
its Privacy Policy. If you have a IncomGuru.com account, you might also
receive an alert informing you of these changes. Your continued use of this site after any change in
this Privacy Policy will constitute your acceptance of such change.

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