The Contractor Fight

The Motor Group, dba The Contractor Fight®

Terms & Conditions

Active October 2026

This document outlines the Terms & Conditions between The Motor Group, Inc. (DBA The Contractor Fight®) (“The Contractor Fight®,” “TCF,” “we,” “us,” or “our”) and the Purchaser (“Purchaser,” “you,” or “your”).
These Terms & Conditions govern participation in and purchase of individual digital courses, digital downloads, products, workshops, and certain programs offered by The Contractor Fight®.

1. Specialized Programs & Coaching Services
The Contractor Fight® offers separate membership, coaching, and group programs, including The Command™, BATTLEGROUND, 1-on-1 Coaching, and Small Group Masterminds (collectively, “Specialized Programs”).

Certain Specialized Programs may require a separate written agreement or contract. When a separate written agreement is required, that agreement will govern in the event of any conflict between the program-specific agreement and these general Terms & Conditions.

Members who enrolled in The Command™ under a separate signed agreement before the effective date of these Terms will remain governed by that signed agreement through the end of its applicable term.

New enrollments in The Command™ under the 90-day program described below do not require a separate signed program agreement. Participation is governed by these Terms & Conditions together with the purchase terms and acknowledgment accepted at checkout.

1.1 The Command™ — 90-Day Program

Program Term
The Command™ is a 90-day sales training and implementation program. Access begins on the date of purchase and continues for ninety (90) consecutive calendar days, unless access is terminated earlier under these Terms.

Payment Options
The Command™ may be purchased using either of the following payment options:

$2,400 paid in full at the time of purchase; or
Three payments of $899, with the first payment charged at the time of purchase and the remaining payments charged every 30 days to the card on file.

The three-payment option is a payment plan for the full Program purchase and is not a month-to-month subscription or trial. By selecting the three-payment option, the Purchaser agrees to complete all three scheduled payments.

Expiration and Renewal
The Command™ does not automatically renew.

Access ends at the conclusion of the 90-day term unless the Purchaser chooses to purchase an additional 90-day term.

If an active member purchases an additional 90-day term before their current expiration date, the additional 90 days will be added to their existing expiration date.

If a former member purchases The Command™ after their previous term has expired, the purchase will be treated as a new 90-day enrollment beginning on the new purchase date.

Individual Access
Each purchase of The Command™ provides access for one individual. The 90-day Command™ program does not include additional team seats.

Login credentials and Program access may not be shared or transferred to another individual except with the express written approval of The Contractor Fight®.

Program Access
While actively enrolled, members may receive access to Program resources including, but not limited to:

The Command™ Training Portal;
Select digital courses, training, and downloadable resources;
Live Command™ training and coaching calls;
Eligible sales roleplay and Agoge sessions;
The private member community;
KPI tracking and submission tools; and
The Belt Tracker and applicable roleplay resources.

The Contractor Fight® may alter, adjust, or modify Program instructors, call schedules, training topics, materials, resources, or methods of delivery from time to time.

Failed Payments
If a scheduled payment fails or is declined, access to The Command™ will be immediately suspended while payment is being resolved.

The Contractor Fight® will attempt to recover the failed payment for 10 days and will contact the Purchaser regarding updated payment information.

If payment remains unresolved after 10 days, the Purchaser will be completely removed from The Command™ and associated Program resources.

Removal due to an unresolved or failed payment does not eliminate the Purchaser’s responsibility for payments associated with the payment option selected and does not make the Purchaser eligible for the Double-or-Nothing Guarantee.

1.2 The Command™ Double-or-Nothing Guarantee

Notwithstanding the general Earnings & Professional Disclaimer in Section 7 below, the Double-or-Nothing Guarantee described in this Section is the sole express results guarantee offered for The Command™ and applies only when all eligibility requirements are satisfied.

The Command™ is a 90-day results program.

If an eligible member completes the full 90-day Program, satisfies the requirements below, and does not at minimum double their investment during the applicable 90-day term, The Contractor Fight® will refund all amounts paid for that 90-day enrollment plus an additional $100.

To qualify for the Double-or-Nothing Guarantee, the member must:

Complete The Command™ onboarding training;
Participate consistently in the weekly Command™ training;
Submit all required KPIs each week;
Complete the required Program assignments; and
Earn their Blue Belt during the applicable 90-day term or achieve the 50-roleplay-point equivalent.

For purposes of this Guarantee, the member’s Program investment is defined as $2,400 regardless of which payment option was selected.

“Double your investment” means generating at least $4,800 in collected revenue during the applicable 90-day Command™ term.

To request consideration under the Double-or-Nothing Guarantee, the member must email [email protected] within seven (7) calendar days following their Command™ expiration date.

By submitting a request, the member certifies that they completed the applicable Program requirements. The Contractor Fight® may review available Program records, including KPI submissions, Belt Tracker status, available participation records, and reasonable documentation necessary to verify collected revenue and eligibility.

The Contractor Fight® will have five (5) business days after receiving the member’s request and any reasonably necessary supporting information to review eligibility.

If The Contractor Fight® determines that the member satisfies all eligibility requirements and did not generate at least $4,800 in collected revenue during the applicable 90-day term, The Contractor Fight® will refund all amounts paid for that enrollment and issue an additional $100.

If The Contractor Fight® determines that the member does not satisfy the eligibility requirements, no refund or additional payment will be due under the Double-or-Nothing Guarantee.

Members are not eligible for the Double-or-Nothing Guarantee if they:

Do not complete the full 90-day Program term;
Are removed from the Program because of an unresolved or failed payment;
Do not satisfy the Program participation requirements listed above; or
Fail to submit their Guarantee request within seven (7) calendar days following their expiration date.

2. Digital Products, Courses, & Refund Policies

2.1 Standard Purchase Terms

Unless explicitly stated otherwise in these Terms, on a specific sales page, or as part of a written offer, standalone courses and Products are sold on a one-time, upfront payment basis.

All sales are final and no refunds will be issued after purchase except under the limited exceptions outlined below or under an expressly stated program-specific guarantee, including The Command™ Double-or-Nothing Guarantee described in Section 1.2.

2.2 Program Inclusion Refund Exception

If a Purchaser buys an individual standalone course or Product and subsequently enrolls in a Specialized Program where that same course is included in the Program membership, the Purchaser may request a refund for the standalone course purchase under the following conditions:

Eligible Purchase Window: The standalone course must have been purchased within thirty (30) calendar days prior to the Purchaser’s initial enrollment in the Specialized Program.
Request Deadline: The Purchaser must submit a written refund request to [email protected] within fourteen (14) calendar days of enrolling in the Specialized Program.
Processing Timeline: The Contractor Fight® has five (5) business days from receipt of the written request to review and issue a refund to the original payment method, if eligible.
Loss of Standalone Access: Refunding the standalone course relinquishes independent, lifetime access to that course. Course access will become tied exclusively to active membership in the Specialized Program. If the Purchaser leaves, cancels, expires, or is removed from the Specialized Program for any reason, access to that course will terminate unless the Purchaser otherwise has separate access rights.

Purchasers who wish to retain permanent access to the standalone course regardless of Program membership status should not request this refund.

2.3 Duplicate Purchase Exception

If a Purchaser accidentally purchases a course or Product that they previously purchased from The Contractor Fight®, including purchases made months or years prior, the Purchaser may request a refund for the new duplicate purchase.

The request must be submitted in writing to [email protected] within thirty (30) calendar days of the duplicate purchase.

The Contractor Fight® has five (5) business days from receipt of the written request to confirm the duplicate purchase and issue a refund to the original payment method, if eligible.

Refund requests submitted more than thirty (30) calendar days after the duplicate purchase will not be honored.

2.4 Price Modifications & Price Protection

The Contractor Fight® reserves the right to modify, adjust, or change the price of any Product, course, Program, or service at any time without prior notice.

Previous purchases are not eligible for retroactive price adjustments or refunds because of later price reductions, promotions, or changes in Program structure.

If a Product price is reduced within fourteen (14) calendar days of purchase, the Purchaser may request a price adjustment for the difference by emailing [email protected] within fourteen (14) calendar days of the original purchase date.

The Contractor Fight® has five (5) business days from receipt of the written request to confirm eligibility and issue any applicable partial refund.

3. Payment Terms & Billing

3.1 Payment Authorization

Unless an installment or payment plan is explicitly offered, purchases require full payment at the time of purchase.

By completing a transaction, the Purchaser authorizes The Contractor Fight® and its payment processor to charge the payment method provided for the applicable purchase amount.

If a payment plan is selected, the Purchaser additionally authorizes the scheduled charges associated with that payment plan.

3.2 Card on File & Account Updates

It is the Purchaser’s responsibility to maintain accurate billing and payment information.

To update account or billing details, the Purchaser may log into the Training Portal under the applicable Account section or email [email protected] for assistance.

If an incorrect card on file is charged because of Purchaser error without at least forty-eight (48) hours’ prior written notice to The Contractor Fight®, no refund will be issued solely because the incorrect card was used.

3.3 Installment Plans

When The Contractor Fight® explicitly offers an installment or payment plan for a Product, Program, or service:

The payment plan represents a commitment to the full purchase amount and is not a flexible month-to-month subscription or trial.
The Purchaser authorizes all scheduled payments associated with the selected option.
If a scheduled payment fails or is declined, access to the applicable Product or Program may be immediately suspended.
The Contractor Fight® reserves the right to re-attempt payment collection and request updated payment information.
Continued failure to pay may result in permanent loss of access without relieving the Purchaser of the payment obligations associated with the purchase.

4. Intellectual Property & Single-User License
All materials provided within The Contractor Fight® Products and Programs, including videos, courses, workbooks, templates, audio, graphics, downloads, and written content, are the exclusive intellectual property of The Contractor Fight® and are protected by copyright, trademark, and other applicable intellectual property laws.

Single-User License: Your purchase grants you a limited, non-exclusive, non-transferable, personal license for standard single-user access.

Prohibited Use: You may not share your login credentials, copy, reproduce, distribute, resell, upload, publish, or create derivative works from The Contractor Fight® materials for external use or third-party training without express written consent.

Violations of these intellectual property terms may result in immediate termination of access without refund, and The Contractor Fight® reserves the right to pursue available legal remedies.

5. Collection of Personal Information
The Contractor Fight® collects personal and order information required to deliver Products and Program services.

This information may include name, mailing address, email address, phone number, purchase information, Program participation information, and other information voluntarily provided by the Purchaser.

The Contractor Fight® does not directly store or retain Purchasers’ full credit card information on its own servers. Payment processing is handled through third-party payment processors, currently including Stripe via Ontraport Payments.

Payment information is maintained in accordance with the applicable processor’s privacy and security policies. The Contractor Fight® disclaims responsibility for, and the Purchaser releases The Contractor Fight® from, actions, errors, or omissions of third-party payment processors to the extent permitted by law.

6. Marketing & Media Release

6.1 Consent & Release

The Purchaser grants The Contractor Fight® consent to use, reproduce, distribute, publicly display, and modify the use of their likeness, including photos and videos, testimonials, and voluntarily submitted content (“Content”) for promotional purposes without obligation of financial compensation or attribution.

6.2 Non-Exclusive License

The Purchaser grants The Contractor Fight® a non-exclusive, royalty-free license to use the Content worldwide for marketing and promotional purposes related to its products and services.

6.3 Revocation

Purchasers retain the right to revoke marketing permission at any time by providing written notice to [email protected].

Upon receipt of such notice, The Contractor Fight® will cease using the Content in future marketing materials within a commercially reasonable timeframe.

7. Earnings & Professional Disclaimer
Tom Reber and The Contractor Fight® do not make any claims, promises, or guarantees regarding your ability to get results or earn money with our ideas, information, tools, or strategies.

Nothing contained in our Products, Programs, websites, training, or communications constitutes legal, tax, accounting, medical, or other professional advice.

All financial numbers, examples, business scenarios, testimonials, or results referenced are illustrative and should not be considered average earnings, exact earnings, or promises of actual or future performance.

8. Limitation of Liability
To the maximum extent permitted by applicable law, The Contractor Fight® shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your access to or use of, or inability to access or use, any Products, Programs, or services.

Except for amounts expressly payable under The Command™ Double-or-Nothing Guarantee, in no event shall The Contractor Fight®’s total liability exceed the total amount paid by the Purchaser for the specific Product, Program, or service giving rise to the claim.

9. Governing Law & Jurisdiction
These Terms & Conditions shall be governed by, construed, and enforced in accordance with the laws of the State of Colorado, without regard to its conflict-of-laws principles.

Any legal proceedings arising out of or related to these Terms & Conditions shall be brought exclusively in the applicable state or federal courts located in Colorado.

Copyright © 2026 The Contractor Fight®. All rights reserved.

The Motor Group, dba The Contractor Fight®

Terms & Conditions

Active July 2025

This outlines the Terms & Conditions between The Motor Group, Inc. (DBA The Contractor Fight®) (“The Contractor Fight®”) and The Purchaser (“Purchaser”).

The terms and conditions outlined herein govern participation in the program, course, or workshop (“Product”) offered by The Contractor Fight®.

Refund Policy for the Product:

There are no refunds of any kind available for any of The Contractor Fight® Products. If the wrong card is on file and charged without prior notice of 48 hours to The Contractor Fight®, no refunds will be issued. It will be the Purchaser’s responsibility to make the card changes prior to the next billing cycle.

To update the card on file, update the card in the Training Portal (TP) under ‘Account → Update Account.’ If you cannot access your Training Portal to update your card on file, email [email protected] for further instructions. It is the Purchaser's responsibility to follow any and all instructions in the reply email.

Requesting a Payment Plan Change:

Email [email protected] to inquire about any available payment plan options. We require at least a 48-hour notice before the billing date to switch payment plans.

Failed Payment Plan:

In the event of a declined or failed payment, The Contractor Fight® automates multiple attempts to collect the failed payment. If a failed or declined payment occurs, The Contractor Fight® will immediately remove access to the Product, and reserves the right to cancel the Purchaser’s subscription. Termination because of a failed credit card does not relieve the Purchaser from their obligation to make their remaining payment(s).

If a payment plan fails, our system will automatically attempt to run that same failed payment every day for 10 days. If one of the following automated payments is authorized and paid successfully, access to the Product will be restored. There will be no refunds given.

Transferring Membership:

If a member decides they would like to swap their BATTLEGROUND Team Leader membership seat with a different person, you must email [email protected] to initiate the process. The member will be asked to provide the new member's name, phone number, email address, and possibly mailing address. This information will be required before we can process the request. Unless otherwise indicated, we will continue to charge the card on file.

Sales Accelerator No-Brainer Value Guarantee

Per the Sales Accelerator No-Brainer Value Guarantee, if the Purchaser does not earn their Sales Accelerator investment back by the end of the 6-week workshop, The Contractor Fight® will issue a refund equal to 100% of the investment to the card on file.

The Purchaser must email [email protected] between September 4, 2025 - September 16, 2025, stating they did not generate sales equal to or above their workshop investment after active participation in the workshop. The Contractor Fight® has up to 5 business days to review the information and determine eligibility for the refund. The Contractor Fight® will communicate with the Purchaser via email on file with the outcome of their decision and issue a refund if it is determined that the Purchaser qualifies.

If The Contractor Fight® determines the Purchaser did not meet eligibility requirements for the guarantee, no refund will be issued.
The Contractor Fight® will determine eligibility for the guarantee by reviewing: attendance of all twelve workshop calls, participation in the Sales Accelerator private Facebook group with a minimum of 5 interactions, completion of the Shin-Fu Sales Training course, and completion of the ‘Five to Drive’ daily checklist.

Collection of Personal Information:

1. The Contractor Fight® collects personal and order information as required to provide Product services. It does not collect or retain Purchasers’ billing information.
a) Types of Information Collected by The Contractor Fight®:
i) Personal Information: Name, address, email, phone number, and other data provided by the Purchaser.
ii) Order Information: Details about purchased services or product(s).
b) Purchaser’s bank or credit card information is required to be provided to our third-party vendor (currently, Stripe via Ontraport Payments), which will process all Purchaser payments. This information is maintained by such processor in accordance with their privacy policies. The Contractor Fight® disclaims any responsibility for and Purchser releases us from, any actions, errors or omissions of our third-party processor. For your reference, Stripe’s current privacy policy is linked here.

Marketing & Promotion:

1. Consent and Release:
The Purchaser grants The Contractor Fight® their explicit consent and release to use, reproduce, distribute, publicly display, and modify the use of their likeness (photos, videos, etc.), testimonials, and content (collectively referenced herein as ‘Content’) for promotional purposes without any obligation to provide compensation or attribution to the Purchaser.

2. Non-Exclusive License:
Purchaser’s grant The Contractor Fight® a non-exclusive, irrevocable, royalty-free license to use the Content worldwide and in perpetuity. This license includes the right to sublicense, assign, and transfer such rights to third parties for marketing and promotional purposes.

3. Limitations:
The Contractor Fight® agrees to use the Content solely for marketing and promotional purposes related to its products or services and to refrain from using the Content for any illegal, defamatory, or harmful purposes.

4. Indemnification:
Purchaser agrees to indemnify and hold harmless The Contractor Fight® from any claims, demands, or liabilities arising out of or related to the use of the Content as permitted under this Agreement.

5. Governing Law:
This Agreement shall be governed by and construed in accordance with the laws of Colorado, without regard to its conflict of laws principles.

6. Revocation:
The Purchaser retains the right to revoke this permission at any time by providing written notice to The Contractor Fight®. Upon receipt of such notice, The Contractor Fight® shall cease using the Content within a reasonable period.

7. Entire Agreement:
This Agreement constitutes the entire understanding between the Parties regarding the subject matter herein.

The Motor Group, dba The Contractor Fight®

Terms & Conditions

Last updated: July 8, 2024

Refund Policy for Program and Courses:

There are no refunds of any kind available for any of The Contractor Fight® (TCF) programs or courses. If the wrong card is on file and charged without prior notice of 48 hours to TCF, no refunds will be issued. It will be the purchaser’s responsibility to make the card changes prior to the next billing cycle.

To update the card on file, update the card in the Training Portal (TP) under ‘Account → Update Account.’ If you cannot access your Training Portal to update your card on file, email [email protected] for further instructions. It is the purchaser's responsibility to follow any and all instructions in the reply email.

Requesting a Payment Plan Change:

Email [email protected] to inquire about any subscription payment plan options. You must complete your current payment plan terms before being eligible to switch from monthly to annual and vice versa. We require at least a 48-hour notice from the billing date to switch payment plans.

Failed Payment Plan:

In the event of a declined or failed payment, TCF automates multiple attempts to collect the failed payment. If a failed or declined payment occurs, TCF reserves the right to cancel the member’s subscription and remove access to their TCF program and/or course. Upon cancellation, the member is obligated to contact our team to resolve the failed payment plan.

If a payment plan fails, our system will automatically attempt to run that same failed payment every day for 10 days. If one of the following automated payments is authorized and paid successfully, access to the course or program will be restored. There will be no refunds given.

It is the member’s responsibility to cancel payments with a minimum 48-hour request prior to the originally scheduled payment date.

Transferring Membership:

BATTLEGROUND Before May 10, 2024:

The group coaching program BATTLEGROUND (BG) is offered as an annual or quick-start monthly subscription that is auto-charged to the card on file on every billing cycle. Payments are auto-charged to the card on file on every billing cycle until canceled by the Team Leader.

Cancellation requests must be made with a minimum 48 hours prior to the next billing date through the training portal (TP), under ‘Account → Update Account’ by the Team Leader on the account. Team Members on the account cannot put in a cancellation request for the BATTLEGROUND subscription.

Failure to fully complete the cancellation request process within 48 hours of the next billing day can result in the card on file being charged without a refund. If a member needs further guidance on how to cancel their membership, refer to the FAQs or email [email protected] and follow the instructions in the responding email. Failure to complete the instructions in the responding email from [email protected] can result in the card on file being charged without refund.

When a cancellation request is submitted, the member (and subsequent Team Members on the account) will retain access to the private Facebook group, BATTLEGROUND emails, private podcast feed, private webinar calendar subscription, and BATTLEGROUND training portal (TP) access until the last day of the billing cycle. If the member purchased any individual courses outside of their BATTLEGROUND membership, they will retain access to those purchases.

BG membership is for up to four seats in the Facebook group and the Training Portal. To have more than four team members in BATTLEGROUND, a subsequent membership must be purchased at the current advertised rate. Only paying members of BATTLEGROUND can access the Belt Tracker and roleplay within the private group.

BATTLEGROUND Facebook requests must be a personal Facebook profile. Any business profile requests will be denied.

Any ongoing partner program relationships that a BATTLEGROUND member takes advantage of will end on the last billing date when/if the member cancels their BATTLEGROUND membership.

TCF will consider a refund for any previously purchased TCF programs or courses offered in BATTLEGROUND if the purchase was made within 30 days of signing up for BATTLEGROUND. Requests must be emailed to [email protected] for consideration.

BATTLEGROUND After May 10, 2024:

The group coaching program BATTLEGROUND (BG) is offered as an upfront annual payment and as a monthly payment plan paid over 12 months. Payment plan payments are auto-charged to the card on file on every billing cycle.

The 12-month payment plan is an annual commitment and not a monthly subscription. Members are expected to make all 12 payments in full. Cancellation requests for annual payment plans will not be accepted.

Members (and subsequent Team Members on the account) will retain access to the private Facebook group, BATTLEGROUND emails, private podcast feed, private webinar calendar subscription, and BATTLEGROUND training portal (TP) access until the last day of the billing cycle. If the member purchased any individual courses outside of their BATTLEGROUND membership, they will retain access to those purchases. If the member fails to make a required monthly payment, their access will be immediately terminated at our discretion.

BG membership is for up to four seats in the Facebook group and the Training Portal. To have more than four team members in BATTLEGROUND, a subsequent membership must be purchased at the current advertised rate. Only paying members of BATTLEGROUND can access the Belt Tracker and roleplay within the private group.

BATTLEGROUND Facebook requests must be a personal Facebook profile. Any business profile requests will be denied.

Any ongoing partner program relationships that a BATTLEGROUND member has taken advantage of will end on the last billing date when/if the member cancels their BATTLEGROUND membership.

TCF will consider a refund for any previously purchased TCF programs or courses offered in BATTLEGROUND if the purchase was made within 30 days of signing up for BATTLEGROUND. Requests must be emailed to [email protected] for consideration.

Collection of personal information:

In the course of operating the Websites and/or interacting with you, we will collect (and/or receive) the following types of personal data:

Personal Information:
When you sign up to receive any of our newsletters, respond to a survey, register for an event or class, or purchase any product or service, you may be required to provide us with personal information about yourself, such as your name, address, email address, and phone number. You may also offer or provide a comment, photo, image, or video while interacting with this site. All information we collect and/or receive under this section is collectively called “Personal Information.”
Order Information:
When you place an Order, you must provide us with certain information about the products and services you are seeking to purchase. Such information is collectively called the “Order Information.”
Billing Information:
When you wish to purchase a product or service, you will be required to provide certain information in addition to the Personal Information and Order Information noted above. Such information may include a debit card number, credit card number, expiration date, billing address, activation codes, and similar information. Such information is collectively called the “Billing Information" and will be collected and processed by our third-party payment vendors pursuant to the terms and conditions of their privacy policies and terms of use. Our primary third-party processor is Ontraport Payments. See their privacy policy here.

Marketing & Promotion:

1. Consent and Release:
TCF members grant The Contractor Fight® their explicit consent and release to use, reproduce, distribute, publicly display, and modify the Content for marketing and promotional purposes, without any obligation to provide compensation or attribution to Participants.

2. Non-Exclusive License:
Members grant The Contractor Fight® a non-exclusive, irrevocable, royalty-free license to use the Content worldwide and in perpetuity. This license includes the right to sublicense, assign, and transfer such rights to third parties for marketing and promotional purposes.

3. Limitations:
The Contractor Fight® agrees to use the Content solely for marketing and promotional purposes related to its products or services and to refrain from using the Content for any illegal, defamatory, or harmful purposes.

4. Indemnification:
Members agree to indemnify and hold harmless Company from any claims, demands, or liabilities arising out of or related to the use of the Content as permitted under this Agreement.

5. Governing Law:
This Agreement shall be governed by and construed in accordance with the laws of Colorado, without regard to its conflict of laws principles.

6. Revocation:
Participants retain the right to revoke this permission at any time by providing written notice to The Contractor Fight®. Upon receipt of such notice, The Contractor Fight® shall cease using the Content within a reasonable period.

7. Entire Agreement:
This Agreement constitutes the entire understanding between the Parties regarding the subject matter herein and supersedes all prior or contemporaneous agreements, representations, and understandings.

Tom Reber and The Contractor Fight® can not and does not make any guarantees about your ability to get results or earn any money with our ideas, information, tools, or strategies. Nothing on this page, any of our websites, or any of our content or curriculum is a promise or guarantee of results or future earnings, and we do not offer any legal, medical, tax or other professional advice. Any financial numbers referenced here, or on any of our sites, are illustrative of concepts only and should not be considered average earnings, exact earnings, or promises for actual or future performance.