Writer, Advisor + Consultant


Please remember that I am not a physician and I do not give medical advice. The recommendations I give on my site, in my e-books, online programs, books, and all material I create, are based on my opinions and experiences, and do not substitute for professional advice from your physician. You should always seek the counsel of a physician when it comes to managing your health.

Moreover, all my programs, books, products and services do not guarantee an increase in earnings, improved health or happiness. All I give you are suggestions, and the tips and strategies that work for me. There is no guarantee that they will work for you, and simply buying a product or service without doing the hard work that you must do to create change in your life, is not enough. And even if you do all the hard work, there is still no guarantee on your outcome.

Honestly, i don’t think that even a psychic would be able to predict your outcome with absolute certainty.

Moreover, I don’t give any professional advice. I simply share information that I have learned from my own studies and life. For all concerns in your life, you should always seek a qualified professional, such as a physician, financial planner, registered therapist, lawyer, psychologist, or any other expert you are looking for. Additionally, it is always a good idea to get a second opinion on all matters of life that are important to you.

Furthermore, at times I may refer to another person, website, product, or service that I have found to be helpful, but you are solely responsible for choosing to look at any other resource that I recommend. And just because I share a resource does not mean that I agree with it. Nor can I confirm its accuracy, legitimacy, or reliability.

Please remember that you are solely responsible for your life, health, finances, mental, emotional, psychological, spiritual and physical health and wellness. You alone are responsible for everything in your life, including your decisions, choices, actions, inaction, results, or lack of results.  You can not hold Tova Payne, or any of my guests, family, friends, shareholders, affiliates, or anybody at all, responsible for any loss or injury that is direct or indirect in any way, shape, or form.

Limitation of Liability:

Tova Payne, and all of her partners, family and friends and affiliates are released from all liability. You use this site, services,products, and everything connected to this site, and everything connected to Tova Payne at your own risk.  Under no circumstance is Tova Payne responsible for any damage, direct or indirect that causes any harm by any means, even in the event of negligence. Any loss regarding information, consultation, or the involvement with any products and services is all at your own risk. Any loss related to website malfunction, program malfunction, lost or undelivered materials is not the responsibility of Tova Payne or any of her affiliates, sponsors or partners in any way even if due to negligence. Tova Payne, her family, friends, affiliates, partners, shareholders, sponsors and everyone connected to Tova Payne is released of all liability.

Thank you for reading this and taking full responsibility for everything that happens to you.

NOTICE CONCERNING CHILDREN. PLEASE NOTE: We are a general audience site, and do not direct any of our content specifically at children under 18 years of age. We understand and are committed to respecting the sensitive nature of children’s privacy online. If we learn or have reason to suspect that a Site user is under age of 18, we will promptly delete any personal information in that user’s account.

UPDATES AND CHANGES We reserve the right, at any time, to add to, change, update, or modify this Policy, simply by posting such change, update, or modification on the Site and without any other notice to you. Any such change, update, or modification will be effective immediately upon posting on the Site. It is your responsibility to review this Policy from time to time to ensure that you continue to agree with all of its terms.

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