Terms of Use

All products, guides and support are provided in English only!

We have taken every effort to design our Web site and Blog to be useful, informative, helpful, honest and easy to navigate. Hopefully weíve accomplished that ó and would ask that you let us know if youíd like to see improvements or changes that would make it even easier for you to find the information you need and want. You may contact us at: admin at SecretsFromTheHeart dot com.


All we ask is that you agree to abide by the following Terms and Conditions. Take a few minutes to look them over because by using our site or blog you automatically agree to them. Naturally, if you donít agree, please do not use the site. We reserve the right to make any modifications that we deem necessary at any time. Please continue to check these terms to see what those changes may be! Your continued use of the SecretsFromTheHeart.com Web site means that you accept those changes.




Product Endorsement  

Some products offered of this site are created by Patty Kubitzki, the founder of SecretsFromTheHeart.com and are endorsed by this site.  In reference to other products not created by Patty Kubitzki: Simply because an item is listed on this site does not mean we endorse it.  We cannot test every product, service, broker etc. but we urge you to contact us with your positive and negative experiences to assist us in determining the best items to list or discontinue.

Trading Risk Warning  

Forex, Futures, and Options trading has large potential rewards, but also large potential risks.  The high degree of leverage can work against you as well as for you.  You must be aware of the risks of investing in forex, futures, and options and be willing to accept them in order to trade in these markets.  Forex trading involves substantial risk of loss and is not suitable for all investors.  Please do not trade with borrowed money or money you cannot afford to lose.  This website is neither a solicitation nor an offer to Buy or Sell currencies, futures, or options.  No representation is being made that any account will or is likely to achieve profits or losses similar to those discussed on this website.  Any opinions, news, research, analysis, prices, or other information contained on this website is provided as general market commentary and does not constitute investment advice.  Website owners and affiliates will not accept liability for any loss or damage, including without limitation to, any loss of profit, which may arise directly or indirectly from the use of or reliance on such information.  Please remember that the past performance of any trading system or methodology is not necessarily indicative of future results.


Restrictions on Use of Our Online Materials

All Online Materials on the SecretsFromTheHeart.com site, including, without limitation, text, software, names, logos, trademarks, service marks, trade names, images, photos, illustrations, audio clips, video clips, and music are copyrighted intellectual property.


You, the visitor, may download Online Materials for non-commercial, personal use only provided you

  1. Retain all copyright, trademark and propriety notices

  2. You make no modifications to the materials

  3. You do not use the materials in a manner that suggests an association with any of our products, services, events or brands

  4. You do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes.

You may not, however, copy, reproduce, republish, upload, post, transmit or distribute Online Materials in any way or for any other purpose unless you get our written permission first. Neither may you add, delete, distort or misrepresent SecretsFromTheHeart.com site. Any attempts to modify any Online Material, or to defeat or circumvent our security features is prohibited.


Everything you download, any software, plus all files, all images incorporated in or generated by the software, and all data accompanying it, is considered licensed to you by SecretsFromTheHeart.com or third-party licensors for your personal, non-commercial home use only. We do not transfer title of the software to you.


That means that we retain full and complete title to the software and to all of the associated intellectual-property rights. Youíre not allowed to redistribute or sell the material or to reverse-engineer, disassemble or otherwise convert it to any other form that people can use.


Submitting Your Online Material to Us

All remarks, suggestions, ideas, graphics, comments, or other information that you send to SecretsFromTheHeart.com through our site (other than information we promise to protect under our privacy policy becomes and remains our property, even if this agreement is later terminated.

That means that we donít have to treat any such submission as confidential. You canít sue us for using ideas you submit. If we use them, or anything like them, we donít have to pay you or anyone else for them.


We will have the exclusive ownership of all present and future rights to submissions of any kind. We can use them for any purpose we deem appropriate to our SecretsFromTheHeart.com mission, without compensating you or anyone else for them.


You acknowledge that you are responsible for any submission you make. This means that you (and not we) have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.


Limitation of Liability

SecretsFromTheHeart.com will not be liable for any damages or injury that accompany or result from your use of any of its site.

These include (but are not limited to) damages or injury caused by any:

  • Use of (or inability to use) the site

  • Use of (or inability to use) any site to which you hyperlink from our site

  • Failure of our site to perform in the manner you expected or desired

  • Error on our site

  • Omission on our site

  • Interruption of availability of our site

  • Defect on our site

  • Delay in operation or transmission of our site

  • Computer virus or line failure

Please note that we are not liable for any damages, including:

  • Damages intended to compensate someone directly for a loss or injury

  • Damages reasonably expected to result from a loss or injury (known in legal terms as "consequential damages.")

  • Other miscellaneous damages and expenses resulting directly from a loss or injury (known in legal terms as "incidental damages.")

We are not liable even if we've been negligent or if our authorized representative has been advised of the possibility of such damages or both.

Exception: Certain state laws may not allow us to limit or exclude liability for these "incidental" or "consequential" damages. If you live in one of those states, the above limitation obviously would not apply which would mean that you might have the right to recover these types of damages. However, in any event, our liability to you for all losses, damages, injuries, and claims of any and every kind (whether the damages are claimed under the terms of a contract, or claimed to be caused by negligence or other wrongful conduct, or theyíre claimed under any other legal theory) will not be greater than the amount you paid if anything to access our site.


Links to Other Sites

We sometimes provide referrals to and links to other World Wide Web sites from our site. Such a link should not be seen as an endorsement, approval or agreement with any information or resources offered at sites you can access through our site. If in doubt, always check the Uniform Resource Locator (URL) address provided in your WWW browser to see if you are still in a SecretsFromTheHeart.com-operated page or have moved to another site. SecretsFromTheHeart.com is not responsible for the content or practices of third party sites that may be linked to our site. When SecretsFromTheHeart.com provides links or references to other Web sites, no inference or assumption should be made and no representation should be inferred that SecretsFromTheHeart.com is connected with, operates or controls these Web sites. Any approved link must not represent in any way, either explicitly or by implication, that you have received the endorsement, sponsorship or support of any SecretsFromTheHeart.com site or endorsement, sponsorship or support of SecretsFromTheHeart.com, including its respective employees, agents or directors.


Termination of This Agreement!

This agreement is effective until terminated by either party. You may terminate this agreement at any time, by destroying all materials obtained from all SecretsFromTheHeart.com Web site, along with all related documentation and all copies and installations.

SecretsFromTheHeart.com may terminate this agreement at any time and without notice to you, if, in its sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy all materials. In addition, by providing material on our Web site, we do not in any way promise that the materials will remain available to you. And SecretsFromTheHeart.com is entitled to terminate all or any part of any of its Web site without notice to you.


Jurisdiction and Other Points to Consider

If you use our site from locations outside of the United States, you are responsible for compliance with any applicable local laws.

These Terms of Use shall be governed by, construed and enforced in accordance with the laws of Kansas, as it is applied to agreements entered into and to be performed entirely within such jurisdiction. To the extent you have in any manner violated or threatened to violate SecretsFromTheHeart.com and/or its affiliates' intellectual property rights, SecretsFromTheHeart.com and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of Kansas, and you consent to exclusive jurisdiction and venue in such courts.

Any other disputes will be resolved as follows:

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Kansas. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Kansas, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.


SecretsFromTheHeart.com may modify these Terms of Use, and the agreement they create, at any time, simply by updating this posting and without notice to you. This is the ENTIRE agreement regarding all the matters that have been discussed.