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Disclaimer: Readers and users of the information contained on this web site and related materials including but not limited to in any advertising, testimonials, practitioner information or other materials (“The Information” herein, jointly, collectively and individually and the term “The Information” shall include but shall not be limited to any products mentioned in The Information) are strongly cautioned and advised to consult with a physician, psychologist, psychiatrist or other licensed health care professional before utilizing any of The Information. The Information is based on information from sources believed to be accurate and reliable and every reasonable effort has been made to make The Information as complete and accurate as possible but such completeness and accuracy cannot be guaranteed and is not guaranteed. All product names, brand names and the like mentioned, depicted or used in The Information are either trade names, service marks, trademarks or registered trademarks or copyrights (whether registered or not) of and owned by the respective owners; any uses of such are for identification purposes only, are not intended to affect the validity of any of such, are not sponsored or endorsed by the owners of such, and there is absolutely no intention on the part of The Information or the owner of this web site and any of the owner’s successors, assigns, licensees, employees, officers, directors, attorneys, agents and other parties related to that owner or any contributors to this web site or any other party thereof to disparage, interfere with or infringe upon any such trade names, service marks, trademarks or registered trademarks or copyrights (whether registered or not). This web site is not sponsored or endorsed by Gary Craig, the retired founder of EFT, and he assumes no responsibility or liability for The Information contained on this web site. Gary Craig has not appointed EFTuniverse.com or any other person or web site as his heir apparent or designated successor. The owner of this web site and any of the owner’s successors, assigns, licensees, employees, officers, directors, attorneys, agents and other parties related to that owner and any contributors to this web site and any other party (a) do not make any representations, warranties or guarantees that any of The Information will produce any particular medical, psychological, physical or emotional result; (b) are not engaged in the rendering of medical, psychological or other advice or services, ( c) do not provide diagnosis, care, treatment or rehabilitation of any individual, and (d) do not necessarily share the views and opinions expressed in The Information. The Information has not undergone evaluation and testing by the United States Food and Drug Administration or similar agency of any other country and is not intended to diagnose, treat, prevent, mitigate or cure any disease. Risks that might be determined by such testing are unknown. If the reader or user purchases any services or products as a result of The Information, the reader or user acknowledges that the reader or user has done so with informed consent. The Information is provided on an “as is” basis without any warranties of any kind, express or implied, whether warranties as to use, merchantability, fitness for a particular purpose or otherwise. The owner of this web site and any of the owner’s successors, assigns, licensees, employees, officers, directors, attorneys, agents and other parties related to that owner and any contributors to this web site and any other party (a) expressly disclaim any liability for and shall not be liable for any loss or damage including but not limited to use of The Information; (b) shall not be liable for any direct or indirect compensatory, special, incidental, or consequential damages or costs of any kind or character; ( c) shall not be responsible for any acts or omissions by any party including but not limited to any party mentioned or included in The Information or otherwise; (d) do not endorse or support any material or information from any party mentioned or included in The Information or otherwise; (e) will not be liable for damages or costs in excess of the costs of accessing this web site. The within limitation of warranties may be limited by the laws of certain states and/or other jurisdictions and so some of the foregoing limitations may not apply to the reader or user who may have other rights that vary from state to state. If the reader or user does not agree with any of the terms of the foregoing, the reader or user should *not* use The Information or remain on this web site. A reader or user who remains on this web site will be deemed to have accepted the provisions of this disclaimer.