Federal Trade Commission

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Hi, my name is Paul Mindra and I am your host and guide on this site, www.paulmindra.com (hereinafter the “Service.” In 2015, the Federal Trade Commission released its new rules for Disclosure Compliance.

I make every effort to ensure that I accurately represent any information, products, or services and their potential for income or success on this Service.

The information provided by the Service is for general informational purposes only. All information on the Service is provided in good faith, however, I make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information provided by third parties who use this Service to advertise or link to and from.

Under no circumstance shall the service have any liability to you (hereinafter “Visitor”) for any loss or damage of any kind incurred as a result of the use or reliance of/on any information provided on the Service. Visitor use of the Service and Visitor reliance on any information on the Service is solely at the Visitor’s own risk. This disclaimer was created using some resources found in Temley’s disclaimer generator.

See the meaning of “Constructive Notice” Here.


“Accept” is a verb meaning to receive something willingly. “Except” is most often used as a preposition meaning not including, a synonym of but all except one, and is also commonly used as a conjunction.

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Did you know that Google is the Grandchild of Archie & Veronica? I did not.

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External Links Disclaimer for the “Service:”

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The Service may contain – or the Visitor may be sent through the service, links to other websites or content belonging to or originating from third parties or links to websites and features in banners or other advertising.

Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability, or completeness by this Service.

The Service does not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites linked through the Site or any website or feature linked in any banner or other advertising.

The Service will not be a party to or in any way be responsible for monitoring any transaction between the Visitor and third-party providers of products, services, or advertising on this Service.

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Professional Disclaimer for the “Service:”

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This image is courtesy of Cliparts Zone.

From time to time, this Service will have reviews and advertisers involved in and promoting “The Health and Wellness Industry” which is currently worth an estimated 4.2 Trillion Dollars.

The Service does not contain medical/legal/health/wellness or other such advice.

All information on this Service is provided for (as) general information and educational purposes only and is not a substitute for professional advice.

Accordingly, the Service encourages the Visitor to consult with appropriate professionals before taking any action based on such information. The use or reliance of any information on this Service by third-party users, advertisers, and Visitors is solely at their own risk.

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Affiliate Disclaimer for the “Service:” 

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This Service may contain links to affiliate websites, and the Service may receive an affiliate commission for any purchases made by the Visitor on the affiliate website using such links.

One of the Service’s main affiliations includes the Wealthy Affiliate.

(Disclaimer: Dear Visitor, “Wealthy Affiliate” is an affiliate link. If you click it and make a purchase, I will earn a commission. I stand behind this service).

Use of this Service is free and any registration to receive additional information is strictly voluntary on the part of Visitors to this site.

The use of any information, products, or services should be based on the Visitor’s due diligence and the Visitor agrees that the Service nor the owner/management of the Service are liable for any success or failure of the Visitor’s efforts that are directly or indirectly related to the use of the provided information, products or services on this Service.

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Testimonials Disclaimer for the “Service:”

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This Service may contain testimonials by users/visitors of the Service’s products, services, and/or advertising. These testimonials reflect the real-life experiences and opinions of such users/visitors.
However, the experiences are personal to those particular users/visitors and may not necessarily be representative of all users/visitors of this Service’s products, services, and/or advertising.
The Service does not claim, and the Visitor should not assume, that all users/visitors will have the same experiences. The Visitor’s results may vary as a user.
The testimonials on the Service are submitted in various forms such as text, audio, and/or video, and are reviewed by the owner/management of the Service before being posted. They appear on the Service verbatim as given by the users/visitors, except for the correction of grammar or typing errors.
Some testimonials may have been shortened for the sake of brevity where the full testimonial contained extraneous information not relevant to the general public.
The views and opinions contained in the testimonials belong solely to the individual user/visitor and do not necessarily reflect the Service’s views and opinions. The Service is not affiliated with users who provide testimonials, and users are not paid or otherwise compensated for their testimonials unless otherwise stated.
The testimonials on the Service are not intended, nor should they be construed, as claims that any products, services, and/or advertising can be used to diagnose, treat, mitigate, cure, prevent, or otherwise be used for any disease or medical condition. No testimonials have been clinically proven or evaluated.

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Any examples given in the material provided on this Service are not to be interpreted as a promise or guarantee of success. Some material on this Service may include or is based upon forward-looking statements.
Forward-looking statements may give expectations or forecasts of future events. Any forward-looking statements are intended to express opinions only and are not necessarily directly related to any earnings or financial performance potential.
No guarantees are made that anyone will achieve any results from any information and or techniques contained within the material on this Service.
Every effort has been made to accurately present information on products, services, and/or advertising and their potential. All links are for information purposes only and are not warranted for content, accuracy, or any other implied or explicit purpose.
As with any undertaking, results may vary and will be based on individual capacity, experience, expertise, and level of desire to achieve.
There are no guarantees concerning the level of success experienced with any online or offline activity. Any testimonials or examples used are not intended to represent or guarantee that anyone will achieve the same or similar results.
As always, the advice of a competent legal, tax, accounting, or other professional should be sought.

Thank you for reading this important information.

Kindest Regards,

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Your host and guide, Paul Mindra for “The Frugal Retiree”.

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