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I understand that: The presenter/s and authors of this information are not financial planners, advisors, registered accountants, or financial professionals and do not hold an Australian Financial Services License (AFSL).  The information presented is based on personal experiences of the presenter/s as an entrepreneur, consultant, coach, trader and investor and on the experiences and lives of others he has modeled in detail. The model that is used is designed for me to do further research or adapt to suit my personal financial situation. The Australian Securities and Investments Commission (ASIC) suggests that if I require financial information I contact an AFSL holder.  More information can be gained from the ASIC website:  www.asic.gov.au Any information is given purely as illustrations and should not be construed as specific investments recommendations. The laws relating to investment, taxation, benefits, and the handling of money are constantly changing in government policy. So, while every care has been taken to ensure the accuracy of the material contained, here in, the authors will not be responsible or liable for any action taken by any person, persons or organizations, on the purported basis of any information contained on this website or any notes provided to me. Without limiting the generality of the forgoing, no person, persons or organisations should invest monies or take other action on the reliance of the material contained herein but instead should satisfy themselves independently (by seeking expert advice of an AFSL holder) of the appropriateness of any action. If any particular stock is mentioned it is for illustrative and educational purposes. An example is never to be seen as a recommendation of any type. By using this website I acknowledge that any example or testimonial provided may not be typical of results I may attain.  I further acknowledge that none of the presenters or staff of Universal Trading Solutions shall be (i) held liable for any decisions or actions I may take, and (ii) I indemnify Kim Reilly, Universal Trading Solutions Pty Ltd; staff and presenters of Universal Trading Solutions; resellers and commission agents of Universal Trading Solutions; against any future actions, losses, expenses, and legal costs, for myself ,or any outside party I may provide information to, of any of the information of any product I purchase. All materials and teachings provided in any product including, but not limited to, Workbooks; charts; intellectual property; computer images; verbal teachings; electronic postings and email correspondence are the copyright material of Universal Trading Solutions. I agree that I will not use or divulge any of the accepted copyright material to any unauthorized party, whether for business or personal use, without the express permission of the Managing Director of Universal Trading Solutions. Failure to do so may facilitate legal action and maximum penalties available in my country of domicile.