Legal Disclaimer 

Pursuant to U.S. State & Federal Laws the following statement defines your legal rights.

Disclaimer & Legal Rights

For the purposes of this document, the turfanalyst.com website is owned by Mike Beale who also owns and operates the Turf Analyst Thoroughbred Handicapping Service. The turfanalyst.com website, Mike Beale and the Turf Analyst Thoroughbred Handicapping Service shall hereinafter be referred to as the "Company". A certificate of business ownership has been filed with the Will County Clerk, Will County Office Building, 302 N. Chicago Street, Joliet IL 60432-4060.

How to Contact the Company
Any communication submitted to the Company must be made by filling in the "Customer Service" form at the Company's website located here:

http://turfanalyst.com/cserv/

No Warranties
THE INFORMATION CONTAINED IN THIS WEBSITE OR PRODUCTS AND SERVICES SOLD HERE ARE STRICTLY FOR EDUCATIONAL PURPOSES. THEREFORE, IF YOU WISH TO APPLY IDEAS CONTAINED IN THIS WEBSITE OR ANY PRODUCTS AND SERVICES SOLD HERE, YOU ARE TAKING FULL RESPONSIBILITY FOR YOUR ACTIONS. ALL WEB SITES AND PRODUCTS AND SERVICES ARE PROVIDED, AS IS, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE - UNLESS OTHERWISE STATED ON SPECIFIC PRODUCT OR SERVICE PAGES ON THIS WEB SITE. THE COMPANY DOES NOT WARRANT, GUARANTEE, OR MAKE ANY REPRESENTATIONS REGARDING THE USE, OR THE RESULTS OF THE USE, OF THE WEB SITES, PRODUCTS, SERVICES OR WRITTEN MATERIALS IN THE TERMS OF CORRECTNESS, ACCURACY, RELIABILITY, CURRENTNESS OR OTHERWISE. THE ENTIRE RISK AS TO THE RESULTS AND PERFORMANCE OF THE WEB SITES, PRODUCTS AND SERVICES ARE ASSUMED BY YOU. IF THE WEB SITES, PRODUCTS, SERVICES OR WRITTEN MATERIALS ARE DEFECTIVE, YOU, AND NOT THE COMPANY, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.

THIS IS THE ONLY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, THAT IS MADE BY THE COMPANY - UNLESS OTHERWISE STATED ON SPECIFIC PRODUCT OR SERVICE PAGES ON THIS WEB SITE. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY THE COMPANY SHALL CREATE A WARRANTY OR IN ANY WAY INCREASE THE SCOPE OF THIS WARRANTY, AND YOU MAY NOT RELY ON SUCH INFORMATION OR ADVICE TO DO SO.

Customer Remedy
The Company does not offer any type of "money back" guarantee. ALL SALES ARE FINAL. The Company reserves the right to limit requests to re-download e-books purchased to one year after the original purchase date. All other products including printed materials and subscription services are not subject to replacement. It is your responsibility to provide your correct email address and mailing address when requested by the Company or any payment processor that the Company shall employ in the course of processing your order(s). The Company will only refund money when required to do so by its agreements with an authorized payment processor due to unauthorized use of a customer's credit card or other policies of that payment processor.

Limitation & Exclusion of Liability
These warranties exclude all incidental or consequential damages. The Company, and its suppliers, will not be liable for any damages whatsoever, including without limitation, damages for loss of personal or business profits, business interruption, loss of business information, or other pecuniary loss.

Some states do not allow the exclusion or limitation of liability; as a result the above limitations may not be applicable to you.

Company Endorsements
The information posted on the Company's website or products may include hypertext links or pointers to information created and maintained by other public and/or private organizations. The Company provides these links and pointers solely for our users' information and convenience. When users select a link to an outside website, they are leaving the Company's site and are subject to the privacy and security policies of the owners/sponsors of the outside website.

The Company does not control or guarantee the accuracy, relevance, timeliness or completeness of information contained on a linked website. The Company does not endorse the organizations sponsoring linked websites and we do not endorse the views they express or the products/services they offer. The Company cannot authorize the use of copyrighted materials contained in linked websites. Users must request such authorization from the sponsor of the linked website. The Company is not responsible for transmissions users receive from linked websites.

User Endorsements and Testimonials
In accordance with the FTC guidelines concerning use of endorsements and testimonials in advertising, please be aware of the following circumstances:

Testimonials appearing on this site are actually received via email submission. They are individual experiences, reflecting real life experiences of those who have used our products and/or services in some way or other. However, they are individual results and results do vary. We do not claim that they are typical results that consumers will generally achieve. The testimonials are not necessarily representative of all of those who will use our products and/or services.

The testimonials displayed are given verbatim except for correction of grammatical or typing errors. Some have been shortened, meaning; not the whole message received by the testimony writer is displayed, when it seemed lengthy or the testimony in its entirety seemed irrelevant for the general public.

The Company is not responsible for any of the opinions or comments posted to our site. This website is not a forum for testimonials, however, testimonials are provided as a means for customers to share their experiences with one another. To prevent against abuse, all testimonials appear after they have been reviewed by the Company. The Company does not share the opinions, views or commentary of any testimonials on this site, and they are strictly the views of the reviewer.

TESTIMONIAL SUBMISSIONS: As a consumer/user of the Company's products and/or services, by submitting your testimonial you give us permission to reprint, reproduce or use the testimonial in connection with our business. You also are agreeing to the following: (1) The reprint, reproduce or use of the testimonial will be at our discretion and without compensation; (2) We may use the testimonial with or without any pseudo (pen) name credit; (3) Our right to use the testimonial is perpetual and may be assigned by us; (4) We may use the testimonial locally, nationally, or globally and such use may be made in any media, information or communication platform (including internet advertising) currently in use or later developed; and (5) You, and not someone else, composed submitted and posted the testimonial.

By submitting your testimonial, you are agreeing to the terms and conditions as listed in this document.

Gambling and Online Gambling
The information contained on this site is for entertainment purposes only. The Company can't be held responsible for any user activity that violates any local or national laws or jurisdictions. It is solely your responsibility to ensure that gambling or online gambling is legal in your jurisdiction. We cannot determine the legality of gambling or online gambling in every jurisdiction, and cannot provide any legal advice. Gambling and Online Gambling is illegal in many jurisdictions and users should consult legal counsel regarding the legal status of online gambling and gambling or other forms of gambling in their jurisdictions. The information at this site is for news and entertainment purposes only. Use of this information in violation of any international, federal, state or local laws is prohibited.

This is not a gambling or betting website. The Company does not solicit nor accept wagers. The news, information, opinion, and recommendations on this website are for education and entertainment only. This information is not intended to violate any local, state, or federal laws, and all persons using this website are solely responsible for complying with the laws of the jurisdictions in which they reside.

The Company is not responsible for the accuracy of any predictions made on this website, and makes no claim to be a reliable source of information or advice for wagering or for any other purpose. The Company does not intend to encourage or condone gambling in jurisdictions where it is prohibited or by persons who are under 18 years of age.

Persons who place wagers on the basis of the information found on this website or the products sold here do so at their own risk and with full knowledge of the fact that predictions presented by the Company often turn out to be wrong. The Company does not profit from any winnings, and is not liable for any losses incurred as a result of the information or recommendations found on this website or any products sold here.

Legal Forum, Choice of Laws & Official Language
This offering is a contract between you the buyer and the Company. The Company is located in Joliet, Illinois, USA and by doing business with us you agree that this offering is made from Joliet, Illinois, USA and shall be governed by the laws of the State of Illinois and the USA. By choosing to participate in this offer, you are entering into a contract with the Company.

This Agreement shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of laws rules. Any legal action arising out of this Agreement shall be litigated and enforced under the laws of the State of Illinois. In addition, you agree to submit to the jurisdiction of the courts of the State of Illinois, and that any legal action pursued by you shall be within the exclusive jurisdiction of the courts of Will County in the State of Illinois, USA.

The terms constituting this offering are set forth in writing on this web site. You hereby agree to submit to the jurisdiction of the State and Federal District Courts located in Will County, Illinois, USA to resolve any disputes or litigation hereunder. Whether or not you choose to print this offering, containing the terms and conditions as described herein, you agree that this contract constitutes a writing.

This agreement is being written in English, which is to be the official language of the contract's text and interpretation. If you do not agree with the above terms and conditions, you have the option to not participate in this offer.

Copyrights
The products and the web site and information it contains are copyrighted material, trademarks, and other proprietary information. You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works of, or in any way exploit, in whole or in part, any Proprietary or other Material.

License
All e-books, electronically transmitted products, images, text, contents, products and scripts are licensed and never sold, unless otherwise stated. Reproduction is prohibited. You may not use, copy, emulate, clone, rent, lease, sell, modify, or transfer the licensed product, or any subset of the licensed product, except as provided for in this agreement or expressly in writing. Any such unauthorized use shall result in immediate and automatic termination of this license and may result in criminal and/or civil prosecution.

Revisions to This Disclaimer
The Company reserves the right to revise, amend, or modify this document at any time and in any manner, by updating this document.

The Company reserves all rights not expressly granted here.
Copyright © 2000-2009 Turf Analyst Thoroughbred Handicapping Service