TERMS AND CONDITIONS

 About Us

This website is owned by Alyce McGhee. 

Scope of Service

We specialize in a wide range of consumer and commercially based products.  We offer a solution-based approach to solving financial needs.  We are not a mortgage company, a law firm,  an accounting firm, a company that negotiates debt payments, a company that pays creditors, nor are we financial planners.  You should consult with a mortgage, legal, accounting, financial and other professionals before making financial decisions.

Our goal is to make your experience using this website a pleasant one. If you have any questions about products or services mentioned on this website, please contact us and have those questions answered prior to making a purchase of such products or services.

About Using This Website

By using this website you are accepting all the terms of this disclaimer notice.  If you do not agree with anything in this notice you should not use this website.

Compensation Disclosure

1. Affiliate Relationships - Unless otherwise expressly stated, you should assume that all references to products and services on this website are made because material connections exist between us and the providers of the mentioned products and services.   As an Amazon Associate I earn from qualifying purchases. 

2. Good Faith Recommendations - We recommend products and services on this website based in part on a good faith belief that the purchase of such products or services will help purchasers in general.  We have a good faith belief because (a) we have tried the product or service mentioned prior to recommending it or (b) we have researched the reputation of the Provider and has made the decision to recommend the Provider’s products or services based on the Provider’s history of providing these or other products or services. The representations made by the Owner about products and services reflect our honest opinion based upon the facts known at the time a product or service is mentioned on this website.

3. Potential Bias and Due Diligence - Our opinion about a product or service may be partially formed (consciously or subconsciously) in part based on the fact that the we have been compensated or will be compensated because of our business relationships with the providers.

In some instances, we will have a business or personal relationship that does not involve us receiving compensation related to products and services mentioned on this website. However, the nature of the relationship is sufficient to establish an affiliate relationship between us and the Provider.

Because there is an affiliate relationship between us and the Providers of products or services mentioned on this website, you should always assume that we may be biased because of our relationship with a Provider and/or because the we have received or will receive something of value from a Provider.

Perform your own due diligence before purchasing a product or service mentioned on this website (or any other website).

4. Compensation - The type of compensation received by us may vary. In some instances, we may receive complimentary products, services, or money from a Provider prior to mentioning the Provider’s products or services on this website.

In other instances, we may receive a monetary commission or non-monetary compensation when you take action based on the content of this website. This includes, but is not limited to, when you purchase a product or service from a Provider after clicking on an affiliate link on this website.

Exceptions

Nothing in this disclaimer notice excludes or limits any warranty implied by law for death, fraud, personal injury through negligence, or anything else which it would not be lawful for My First Steps to exclude.

Earnings

ANY EARNINGS OR INCOME STATEMENTS, OR EARNINGS OR INCOME EXAMPLES, ARE ONLY ESTIMATES OF WHAT WE THINK YOU COULD EARN. THERE IS NO ASSURANCE YOU'LL DO AS WELL. IF YOU RELY UPON OUR FIGURES, YOU MUST ACCEPT THE RISK OF NOT DOING AS WELL. 

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 YOU'LL DO AS WELL. IF YOU RELY UPON OUR FIGURES; YOU MUST ACCEPT THE RISK OF NOT DOING AS WELL. 

ANY AND ALL CLAIMS OR REPRESENTATIONS, AS TO INCOME EARNINGS ON ALYCEMCGHEE.COM ARE NOT TO BE CONSIDERED AS AVERAGE EARNINGS. 

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 YOU, YOUR BACKGROUND, YOUR WORK ETHIC, OR YOUR BUSINESS SKILLS OR PRACTICES. THEREFORE WE DO NOT GUARANTEE OR IMPLY THAT YOU WILL GET RICH, THAT YOU WILL DO AS WELL, OR MAKE ANY MONEY AT ALL. THERE IS NO ASSURANCE YOU'LL DO AS WELL. IF YOU RELY UPON OUR FIGURES; YOU MUST ACCEPT THE RISK OF NOT DOING AS WELL. 

INTERNET BUSINESSES AND EARNINGS DERIVED THERE FROM, 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. 

ALL PRODUCTS AND SERVICES 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 WWW.THEAFFILIATECODE.COM SHOULD BE CAREFULLY CONSIDERED AND EVALUATED, BEFORE REACHING A BUSINESS DECISION, ON WHETHER TO RELY ON THEM. 

MATERIALS IN OUR PRODUCT AND OUR WEBSITE MAY CONTAIN INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS WITHIN THE MEANING OF THE SECURITIES LITIGATION REFORM ACT OF 1995. FORWARD-LOOKING STATEMENTS GIVE OUR EXPECTATIONS OR FORECASTS OF FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS SUCH AS “ANTICIPATE,” “ESTIMATE,” “EXPECT,” “PROJECT,” “INTEND,” “PLAN,” “BELIEVE,” AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL EARNINGS OR FINANCIAL PERFORMANCE.

ANY AND ALL FORWARD LOOKING STATEMENTS HERE OR ON ANY OF OUR SALES MATERIAL ARE INTENDED TO EXPRESS OUR OPINION OF EARNINGS POTENTIAL. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSES, IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL.  

YOU AGREE THAT OUR COMPANY IS NOT RESPONSIBLE FOR THE SUCCESS OR FAILURE OF YOUR BUSINESS DECISIONS RELATING TO ANY INFORMATION PRESENTED BY US , OR OUR COMPANY PRODUCTS OR SERVICES.

License To Use This Website

By using this website you agree to the exclusions and limitations of liability stated above and accept them as reasonable.  Do not use this website if you do not agree that they are reasonable.

If any of the points in this disclaimer notice are found to be unenforceable under applicable law, that will have no bearing on the enforceability of the rest of the disclaimer notice.

Material on this website, including text and images, is protected by copyright law and is copyright to My First Steps unless credited otherwise. It may not be copied, reproduced, republished, downloaded, posted, broadcast or transmitted in any way except for your own personal, non-commercial use.

Prior written consent of the copyright holder must be obtained for any other use of material.

No part of this site may be distributed or copied for any commercial purpose or financial gain.

All intellectual property rights in relation to this website are reserved and owned by My First Steps.

Links to Other websites and Products

Links to other websites are provided for the convenience of users.  We are unable to provide any warranty regarding the accuracy or completeness of the content of such sites, or the reliability, quality or effectiveness of any products provided through external websites.  A link to an external site does not imply an endorsement of the views, information or products provided or held by such websites.

Law and Jurisdiction

This disclaimer notice shall be interpreted and governed by English law, and any disputes in relation to it are subject to the jurisdiction of the courts in Gwinnett County, Georgia.

Legal Disclaimer

The information presented on this Web site is not to be construed in any way as legal advice. This site provides information about the law designed to help users safely cope with their own legal needs. But legal information is not the same as legal advice -- the application of law to an individual's specific circumstances. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a lawyer if you want professional assurance that our information, and your interpretation of it, is appropriate to your particular situation.

Trade Marks

The product names, logos, brands, and other trademarks or registered trademarks featured or referred to within the my1ststeps.com website are the property of their respective trademark holders .   Their use in this site is for reference only and does not imply any connection or relationship between my1ststeps.com and these companies.

These trademark holders are not affiliated with My First Steps, our products, or our website. They do not sponsor or endorse any of our online products or services.

Variations

We reserve the right to revise and amend this disclaimer notice from time to time and any revised version will be deemed to be applicable from the first date of publication on this website. 

Warranties and Liability

While every effort is made to ensure that the content of this website is accurate, the website is provided “as is” and My First Steps makes no representations or warranties in relation to the accuracy or completeness of the information found on it.  While the content of this site is provided in good faith, we do not warrant that the information will be kept up to date, be true and not misleading, or that this site will always (or ever) be available for use.

We do not warrant that the servers that make this website available will be error, virus or bug free and you accept that it is your responsibility to make adequate provision for protection against such threats.  We recommend scanning any files before downloading.

Nothing on this website should be taken to constitute professional advice or a formal recommendation and we exclude all representations and warranties relating to the content and use of this site.

In no event will My First Steps be liable for any incidental, indirect, consequential or special damages of any kind, or any damages whatsoever, including, without limitation, those resulting from loss of profit, loss of contracts, goodwill, data, information, income, anticipated savings or business relationships, whether or not advised of the possibility of such damage, arising out of or in connection with the use of this website or any linked websites.

ALL WEB SITES, PRODUCTS AND SERVICES ARE PROVIDED, AS IS, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. OUR 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 OUR COMPANY, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION. 

THIS IS THE ONLY WARRANT OF ANY KIND, EITHER EXPRESS OR IMPLIED, THAT IS MADE BY OUR COMPANY. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY OUR 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.