( FULL DISCLOSURE )
Note - The
information shown on the website, or web page that you were reviewing (that site should appear again when you click
out of here) - that data is strictly the opinion of the author (Peter Arnold). That information is based on his own
personal observation, research, analysis, and years of experience - primarily with health care professional clients
and other business associates.
This author is not
a registered investment adviser, attorney, tax specialist, insurance broker,
realtor, accountant, psychologist, nutritionist, bio-chemist, dietition or Indian chief. :>) His
professional background for more than 25-years has been primarily that of a financial advisor, business
consultant and independent business owner. More recently, he has been studying for his CWC designation
(Certified Wellness Coach).
This author does not
render any specific legal, tax, accounting, insurance, business, real estate,
banking, financial, marketing, investment, psychological, nutritional or technical advice on this or any
other website / web page.
Because each individual’s
situation is different - and because tax, legal, accounting, business, investment, marketing, and financial rules
change constantly - you should always seek your own professional advisors. And since health, nutrition and medical
science are specialized fields, always changing - you should consult with your own health care professionals. More
DISCLAIMER - All information is provided for informational purposes only. It
is not meant to substitute for medical advice provided by your physician or other medical professionals. You
should not use the information contained herein for diagnosing or treating any health problem or disease, or
prescribing any medication.
You should read carefully all
product packaging and labels. If you have, or suspect that you have, a medical problem, promptly contact your
physician or health care provider. Information and statements regarding dietary supplements here have not been
evaluated by the Food and Drug Administration (FDA), and are not intended to diagnose, treat, cure, or prevent any
This website is not run by JTL
(Joy To Live) corporate, nor will corporate promote the use of this website.
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INCOME Disclaimer - 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 WILL DO AS WELL. IF
YOU RELY UPON OUR FIGURES, YOU MUST ACCEPT THE RISK OF NOT DOING AS WELL. IF ANY SPECIFIC INCOME FIGURES ARE
USED, AND ATTRIBUTED TO AN INDIVIDUAL OR BUSINESS, THAT PERSON OR BUSINESS HAS EARNED THAT
THERE IS NO ASSURANCE YOU WILL
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 THIS WEBSITE, ARE NOT TO BE CONSIDERED AS AVERAGE
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
MONETARY AND INCOME RESULTS
ARE BASED ON MANY FACTORS. WE HAVE NO WAY OF KNOWING HOW WELL WILL DO, AS WE DO NOT KNOW YOU, YOUR BACKGROUND, YOUR
WORK ETHIC, YOUR FINANCIAL POSITION, 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, OR THAT YOU WILL DO AS WELL, OR MAKE ANY MONEY AT
ALL. THERE ARE NO ASSURANCES THAT YOU WILL EARN AN INCOME. IF YOU RELY ON OUR FIGURES; YOU MUST ACCEPT THE RISK OF
NOT DOING AS WELL.
INTERNET BUSINESS AND EARNINGS
DERIVED THEREFROM, HAVE UNKNOWN RISKS INVOLVED, AND ARE NOT SUITABLE FOR EVERYONE. MAKING DECISIONS BASED ON ANY
INFORMATION PRESENTED ON OUR WEBSITES, SHOULD BE DONE ONLY WITH THE KNOWLEDGE THAT YOU COULD EXPERIENCE SIGNIFICANT
LOSSES, OR MAKE NO MONEY AT ALL.
ALL PRODUCTS AND SERVICES BY
THE COMPANY WE ARE ASSOCIATED WITH 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 WEBSITE 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 BUSINESS OPPORTUNITY SHARED ON THIS WEBSITE SHOULD BE CAREFULLY
CONSIDERED, AND EVALUATED, BEFORE REACHING A BUSINESS DECISION, ON WHETHER TO RELY ON
YOU AGREE THAT THE COMPANY WE
ARE ASSOCIATED WITH (JOY TO LIVE) IS NOT RESPONSIBLE FOR THE SUCCESS OR FAILURE OF YOUR BUSINESS DECISIONS
RELATING TO ANY INFORMATION PRESENTED REGARDING THEIR BUSINESS PROGRAM,, PRODUCTS OR
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TESTIMONIALS Disclaimer - In accordance with the FTC (and/or Health
Canada)guidelines concerning use of endorsements and TESTIMONIALS in
advertising,please be aware of the following:
Testimonials appearing on this
site are actually received via text, audio or video submission. They are individual experiences, reflecting real
life experiences of those who have used our products and/or services in some way or another. 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
The testimonials displayed
(text, audio and/or video) are given verbatim except for correction of grammatical or typing errors. Some have been
shortened. In other words, not the whole message received by the testimonial writer is displayed, when it seemed
lengthy, or not the whole testimonial seemed relevant for the general public.
Peter Arnold is not responsible for any of the opinions or comments posted to his Web
Testimonials are provided
strictly as a means for customers to share their "own" experiences with one another. To prevent against abuse, all
testimonials are reviewed by Peter Arnold, but he does not necessarily share the opinions, views or commentary of
any testimonials on his site.
testimonials are not intended to make claims that these products can be used to diagnose, treat, cure, mitigate or
prevent any disease. These claims have not been clinically proven or evaluated by the
Peter Arnold assumes no
liability or responsibility for any errors or omissions, and will have neither liability nor responsibility to any
person or entity with respect to damage caused, or alleged to be caused, directly or indirectly, by the information
contained on this site / web page. Please use at your own risk.
Remuneration - Peter Arnold's websites were built to gain your trust - he has no desire to have any
"secrets" hidden from you. Without a continuing commitment to high standards, integrity and full disclosure,
he sincerely believes he does not have the right to 'earn' your trust.
Nothing to SELL - There is no attempt to "sell" you anything here. And there are no "optins"
required for the (7) FREE eBooks, written by this author -- "How to Create a Large, UNSTOPPABLE Income!" ---
"Your Financial MINDSET" --- "Prosperity
THINKING" --- "Your FINANCIAL Health"
Practice Success - for Wellness ENTREPRENEURS"
--- "TWO KEYS to
"10 STEP Acid Test for Selecting the Right Network Marketing
Best Effort - While he strives to maintain timely, accurate and updated
information, such information and/or details may be out of date at times, and website links could at times
become outdated. The author disclaims responsibility for updating information and disclaims responsibility
for any third-party content, products and services, including when such content is accessed through
hyperlinks and/or advertisements on this site.
Note: All web pages and/or pdfs are the property of
Peter Arnold. They are not the property of Joy To Live (JTL), or any other Network Marketing, Internet
Marketing, eCommerce, or Affiliate Marketing company.
As mentioned above, any statements made regarding wellness
/ nutritional / natural health products have not been evaluated by the FDA (Food and Drug
Administration). Any such products mentioned are not intended to diagnose, treat, cure or prevent any
Also as mentioned above, any references to potential
earnings are "illustrations" only. Such examples are not guaranteed. Individual results will depend
entirely on each person's circumstances, efforts, and level of support available.
Peter Arnold, CLU, CFC /
AcademyGroupOnline.com / Canada
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