ANY CLAIMS MADE OF ACTUAL EARNINGS OR EXAMPLES OF ACTUAL RESULTS CAN BE VERIFIED UPON REQUEST. YOUR LEVEL OF SUCCESS IN ATTAINING THE RESULTS CLAIMED IN OUR MATERIALS DEPENDS ON THE TIME YOU DEVOTE TO THE PROGRAM, IDEAS AND TECHNIQUES MENTIONED, YOUR FINANCES, KNOWLEDGE AND VARIOUS SKILLS. SINCE THESE FACTORS DIFFER ACCORDING TO INDIVIDUALS, WE CANNOT GUARANTEE YOUR SUCCESS OR INCOME LEVEL. NOR ARE WE RESPONSIBLE FOR ANY OF YOUR ACTIONS.

MATERIALS IN OUR PRODUCTS 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 ELSE'S, IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL.

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 QUANTUM LIFE, 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 IN MULTI LEVEL MARKETING, 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. .

INTERNET BUSINESSES AND EARNINGS DERIVED THEREFROM, 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 BY QUANTUM LIFE 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 Quantum Life SHOULD BE CAREFULLY CONSIDERED AND EVALUATED, BEFORE REACHING A BUSINESS DECISION, ON WHETHER TO RELY ON THEM.

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

If you do not agree with the above disclaimer, please do not go any further, and do not purchase any product.

You agree that all information, communications, materials coming from Quantum Life are unsolicited and must be kept private, confidential and protected from any disclosure. Moreover, the information, communications and materials contained herein are not to be regarded as an offer, nor a solicitation for investments in any jurisdiction which deems non-public offers or solicitations unlawful, nor to any person to whom it will be unlawful to make such offer or solicitation.

Quantumlife.com is not available to the general public and is opened only to the qualified members of Quantum Life; the use of this site is restricted to our members and to individuals personally invited by them. Every transaction should be treated as Purchase and considered to be a private transaction between the Quantum Life and its member. You agree to be of legal age in your country to partake in this program, and in all the cases your minimal age must be 18 years.

As a private transaction, this program is exempt from the US Securities Act of 1933, the US Securities Exchange Act of 1934 and all other rules, regulations and amendments thereof.

We are not a licensed bank or a security firm, and not an investment club either. Quantum Life is not a Health Maintenance Organization (HMO). All monies paid to Quantum Life is for the Purchase of our product(s) and therefore should not be considered an investment; though the purchase gives you an opportunity to join our Network to be able to refer others to buy and by so doing earn reward for referring customers to us.

All the data giving by a member to Quantum Life will be only privately used and not disclosed to any third parties. Quantum Life is not responsible or liable for any loss of data.

Membership registration in Quantum Life is FREE. Quantum Life is only selling digital books or e-books and Health Insurance Voucher, which may subsequently entitles you for one year Standard Plan health insurance from an HMO in Nigeria.

You agree to hold all principals and members harmless of any liability. You agree that you are buying the services and products offered by Quantum Life and we reserved the rights to suspend or terminate accounts that we found violating our term, rules or regulations.

We reserve the right to change the rules, commissions and rates of the products at any time and at our sole discretion without notice, especially in order to respect the integrity and security of the members' interests. You agree that it is your sole responsibility to review the current terms.

Quantum Life is not responsible or liable for any damages, losses and costs resulting from any violation of the conditions and terms and/or use of our website by a member. You guarantee to Quantum Life that you will not use this site in any illegal way and you agree to respect your local, national and international laws.

We will not tolerate SPAM or any type of UCE in this program. SPAM violators will be immediately and permanently removed from the program.

We reserve the right to accept or decline any purchase, or application to join our Network without explanation.

If you do not agree with the above Terms and Condition, please do not go any further.

In order to log into this site and view the information reserved for members only, you must agree to the Terms and Agreements set forth by Quantum Life.

You agree to keep private all content and information on this web site that is accessible to you through the protection of your password. You agree to protect your password and never share your login information with any one else regardless of their membership status in Quantum Life. You further agree to discuss no aspect of the benefits and services beyond what is written on the non-member pages. You agree to keep private any conference call or web-based seminar access codes. You agree to the policy of Quantum Life that forbids emailing any URL or web address associated with the password-protected area of the Quantum Life web site. You agree to engage in no mass emailing of Quantum Life URL. You agree to discuss only on a one-to-one basis in private conversation. Quantum Life retains the right to terminate with no recourse the membership of any one who violates any clause of the Terms and Agreements, including the Non-Disclosure Agreement. These Terms and Agreements are subject to amendment and revision by the Quantum Life.

By continuing the Purchase you acknowledge your agreement with these terms and conditions set forth herein.