DISCLAIMER / TERMS

We make every effort to ensure that we accurately represent these products and services and their potential for income. Earning and Income statements made by our company and its customers are estimates of what we think you can possibly earn. There is no guarantee that you will make these levels of income and you accept the risk that the earnings and income statements differ by individual.

As with any business, your results may vary, and will be based on your individual capacity, business experience, expertise, and level of desire. There are no guarantees concerning the level of success you may experience. The testimonials and examples used are exceptional results, which do not apply to the average purchaser, and are not intended to represent or guarantee that anyone will achieve the same or similar results. Each individual's success depends on his or her background, dedication, desire and motivation. Some individuals did succeed beyond expectations and that is of course always a possibility for any user.

There is no assurance that examples of past earnings can be duplicated in the future. We cannot guarantee your future results and/or success. There are some unknown risks in business and on the internet that we cannot foresee which can reduce results. We are not responsible for your actions.

The use of our information, products and services should be based on your own due diligence and you agree that our company is not liable for any success or failure of your business that is directly or indirectly related to the purchase and use of our information, products and services.

Any opinions, news, research, analysis, prices, or other information contained on this website and/or software is provided as general market commentary, and does not constitute investment advice. Penny Stocks Psychic will not accept liability for any loss or damage, including without limitation to, any loss of profit or principal, which may arise directly or indirectly from use of or reliance on such information.

Additionally, the $100 offer for not being completely satisfied is only valid on the launch day itself. In other terms, it must be executed and requested on the launch day.

This disclaimer is to be read in its entirety, and fully understood before using our site, software, e-mails, products or services. PennyStocksPsychic.com is an independent service committed to providing our users with factual information on publicly traded companies. All companies are chosen on the basis of certain financial analysis and other pertinent criteria with a view toward maximizing the upside potential for investors while minimizing the downside risk, whenever possible. PennyStocksPsychic.com under no circumstance manually chooses specific stocks or companies. This is not an offer to buy or sell securities. Information or opinions are presented solely for informational purposes, and are not intended nor should they be construed as investment advice. Neither PennyStocksPsychic.com nor any of its employees, affiliates, subsidiaries, or family members are registered security advisers or registered stock brokers and shall not be liable for any direct, indirect, incidental, special or consequential damages arising out of or resulting from the use or inability to use this site, including but not limited to damages for the loss of capital, funds, profits, use, data, or any and all other possible damages, even if such party has been advised of the possibility of such damages resulting from the use of this site and all information contained on this site. The information provided by PennyStocksPsychic.com is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. While we believe all sources of information to be factual and reliable, in no way do we represent or guarantee the accuracy thereof, nor the statements made herein. PennyStocksPsychic.com does accept compensation from third party consultants and/or companies which might appear on PennyStocksPsychic.com. A profile, description, or other mention of a company on PennyStocksPsychic.com is neither an offer nor solicitation to buy or sell any securities mentioned. Nothing on on PennyStocksPsychic.com is a solicitation to buy or sell any securities. The information presented is for informational purposes only. While we believe all sources of information to be factual and reliable, in no way do we represent or guarantee the accuracy thereof, nor the statements made herein. The information contained herein contains forward-looking information within the meaning of Section 27A of the Securities Act and Section 21E of the Securities Exchange Act including statements regarding expected continual growth of the company and the value of its securities. In accordance with the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 it is hereby noted that statements contained herein that look forward in time which include everything other than historical information, involve risk and uncertainties that may affect the company's actual results of operation. Factors that could cause actual results to differ include the size and growth of the market for the company's products, the company's ability to fund its capital requirements in the near term and in the long term, pricing pressures, unforeseen and/or unexpected circumstances in happenings, pricing pressures, etc. Investing in securities is speculative and carries risk. Past performance does not guarantee future results. Companies mentioned herein may carry a high degree of investment risk; users should carefully review the companies thoroughly with their registered securities adviser or registered stockbroker. Users should ALWAYS do their own due diligence, and this service is not intended, nor should it be construed as any form of research, or due diligence. WE ARE NOT LIABLE FOR ANY DECISIONS MADE BY OUR USERS. We encourage our users to invest carefully and read the investor information available at the web sites of the U.S. Securities and Exchange Commission (SEC) at www.sec.gov and the National Association of Securities Dealers (NASD)at www.nasd.com. The NASD has published information on how to invest carefully at its website. Users can review all public filings by companies at the SEC's EDGAR page www.sec.gov/edgar.shtml. The statements contained herein does not purport to be a complete study of chosen companies or other companies mentioned. Information used and may have been obtained from the chosen companies and/or other sources,but not verified nor guaranteed by PennyStocksPsychic.com as to completeness or accuracy. Such information is subject to change without notice. Trademarks are the property of their respective owners. This disclaimer may change from time to time without any further notice.

U.S. Government Required Disclaimer - Commodity Futures Trading Commission Futures and Options trading has large potential rewards, but also large potential risks. You must be aware of the risks and be willing to accept them in order to invest in the futures and options markets. Don't trade with money you can't afford to lose. This is neither a solicitation nor an offer to Buy/Sell 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 web site. The past performance of any trading system or methodology is not necessarily indicative of future results.

CFTC RULE 4.41 - HYPOTHETICAL OR SIMULATED PERFORMANCE RESULTS HAVE CERTAIN LIMITATIONS. UNLIKE AN ACTUAL PERFORMANCE RECORD, SIMULATED RESULTS DO NOT REPRESENT ACTUAL TRADING. ALSO, SINCE THE TRADES HAVE NOT BEEN EXECUTED, THE RESULTS MAY HAVE UNDER-OR-OVER COMPENSATED FOR THE IMPACT, IF ANY, OF CERTAIN MARKET FACTORS, SUCH AS LACK OF LIQUIDITY. SIMULATED TRADING PROGRAMS IN GENERAL ARE ALSO SUBJECT TO THE FACT THAT THEY ARE DESIGNED WITH THE BENEFIT OF HINDSIGHT. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFIT OR LOSSES SIMILAR TO THOSE SHOWN.

Never invest into a stock discussed on this web site or the Penny Stocks Psychic ("Penny Stocks Psychic") newsletter unless you can afford to lose your entire investment.

You should consult with a certified financial advisor before making any investment decisions.

Penny Stocks Psychic, its employees, any affiliates and information providers make no implied or express warranties on the information provided. Please verify quotes with your investment manager before making investment decisions. This is not to be construed as a solicitation to buy or sell securities. As with any stock, the featured companies profiled on the Penny Stocks Psychic web site and/or newsletter involve a high degree of risk and volatility, and all investors should know that they may lose a portion or all of their investment if they decide to purchase any stock.

Penny Stocks Psychic makes no representations, warranties or guarantees as to the accuracy or completeness of the disclosure by the profiled companies and does not guarantee the topicality, accuracy, timeliness, completeness and quality of information and statements presented on Penny Stocks Psychic or in email alerts released by Penny Stocks Psychic. All information on featured companies is provided by the profiled companies, investor relation firms or is available from public sources. Any claims or statements should be deemed apocryphal.

Penny Stocks Psychic, its corporate officers, nor any of its affiliates are not registered investment advisors or broker dealers, and do not recommend to buy, hold, or sell any securities. Penny Stocks Psychic simply provides a starting point for site members and viewers for which to compare their own thoughts to those of Penny Stocks Psychic. The onus is on members and viewers to complete their own due diligence. Penny Stocks Psychic members and viewers should always make their own financial decisions. The accuracy and completeness of the information within any report, newsletter or on the web site is only as reliable as the information that is provided to Penny Stocks Psychic in drafting the report. Penny Stocks Psychic does not verify the information, and makes no warranty that the information is accurate.

Visitors to Penny Stocks Psychic web site and readers of the Penny Stocks Psychic e-mail alerts are cautioned that small and micro-cap stocks are high-risk investments and that SOME or ALL investment CAN be LOST. We suggest you consult a professional investment advisor before purchasing any stock. All opinions expressed on the Penny Stocks PsychicS web site are the opinions of Penny Stocks Psychic. All information concerning the profiled companies is received directly from the companies, the company's investor relation or public relations firms and/or outside research conducted by Penny Stocks Psychic. Penny Stocks Psychic recommends you use the information found here as an initial starting point for conducting your own research and conduct your own due diligence and research on the featured companies in order to determine your own personal opinion of the company BEFORE investing in these or any other companies. Penny Stocks Psychic assumes all information to be truthful and reliable; however, we cannot and do not warrant or guarantee the accuracy of this information. All statements contained herein are deemed to be factual as of the date of this report and as such are subject to change without notice.

Penny Stocks Psychic is NOT an Investment Advisor, Financial Planning Service or a Stock Brokerage Firm and accordingly Penny Stocks Psychic is not offering investment advice or promoting any investment strategies. Penny Stocks Psychic is not offering securities for sale or solicitation of any offer to buy or sell securities. An offer to buy or sell can be made only with accompanying disclosure documents and only in the states and provinces for which the offerings are approved.

On occasion Penny Stocks Psychic receives compensation from a third party in relation to the profiled companies in the newsletters and e-mail alerts sent to our members. In such a case Penny Stocks Psychic will state at the bottom of e-mail alert and this disclaimer the exact form and amount of compensation. Penny Stocks Psychic, its affiliates, associates, relatives and anyone associated with Penny Stocks Psychic in any manner reserves the right to either BUY or SELL shares in the profiled company's stock, either BEFORE the date of the profile, DURING the date of the profile or at ANY time after the date of the profile. We may have an inherent conflict of interest by sending the newsletter at the same time we may own stock in the same company or even have been paid compensation at the time of the promotion. Penny Stocks Psychic reserves the right to sell shares at anytime, even during the time period in which we are profiling a company.

Member must do their own research and due diligence before investing in any profiled company. Penny Stocks Psychic merely is providing information and is in no way suggesting an investment in any company or investment opportunity. You and your investment advisor are making decisions for yourself. Under no circumstances shall Penny Stocks Psychic or its officers and employees be held liable for any loss incurred by any individual or individuals as a result of any individual or individuals' decision to invest in any company profiled by Penny Stocks Psychic. Viewing this web site and viewing picks on this web site or e-mail alerts sent to subscribers shall not create under any circumstances an offer to buy or sell stock in any profiled company. Nor shall it create any principal-agent relationship between viewer and Penny Stocks Psychic. Short term investing involves significant risk, and you can lose some or all of your investing capital. Please contact a qualified financial planner before investing in any stocks, including those profiled by Penny Stocks Psychic. Penny Stocks Psychic may trade in fast moving, highly volatile markets, and any viewer of Penny Stocks Psychic web site should observe the trading behavior of any profiled company prior to purchasing. Penny Stocks Psychic's selections are primarily intended for short term momentum trading and carry a high degree of risk. Penny Stocks Psychic also profiles long term trading and those profiles also carry a great deal of risk. Past performance of Penny Stocks Psychic is not indicative of future results.

In making selections, Penny Stocks Psychic may make use of any public information including but not limited to company issued press releases, SEC filings, profiles from Hoovers or Marketguide, brokerage reports, newspapers, magazines, journals, electronic databases on the web, electronic message board postings on the web and other research sites. Penny Stocks Psychic attempts to verify the accuracy of the information contained in said resources, but does not represent or warrant the accuracy contained in these resources. Investors should not rely solely on the information contained in Penny Stocks Psychic picks and are urged to research profiled companies on their own, and make their own investment decision. Factual statements on this web site or the e-mail alerts sent to subscribers are made as of the date stated and are subject to change without notice. The Securities and Exchange Commission ("SEC") has compiled an extensive amount of information concerning online investing, including the inherent risks involved. We encourage our readers to visit the SEC's web site to acquire this important information.

Safe Harbor Disclosure: The Penny Stocks Psychic web site contains or incorporates by reference "forward-looking statements, including certain information with respect to plans and strategies of the featured company. As such, any statements contained herein or incorporated herein by reference that are not statements of historical fact may be deemed to be forward-looking statements. Without limiting the forgoing, the words "believe(s)," "anticipate(s)," "plan(s)," "expect(s)," "project(s)" "will" "make" "told" and similar expressions are intended to identify forward-looking statements. There are a number of important factors that could cause actual events or actual results of the profiled companies to differ materially from these indicated by such forward-looking statements. Certain statements contained herein constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and 21E of the Exchange Act of 1934. Such statements include, without limitation, statements regarding business and financing, business trends, future operating revenues and expenses. Although the Company believes that the statements are reasonable, it can give no assurances that such expectations will prove to be correct. Investors are cautioned that any forward looking statements made by the Company, or contained in any and/or all profile/research reports, contain no guarantee of future performance, and that the actual result may differ materially from those set forth in the forward-looking statements. Difference in results can be caused by various factors including, but not limited to, the Company's ability to be able to successfully complete planned funding agreements, to successfully market its products in competitive industries or to effectively implement its business plan or strategies.

In order to be in full compliance with the U.S. Securities Act of 1933, Section 17(b), Penny Stocks Psychic discloses all compensation it receives at the bottom of its newsletter or profile company pages.

The content in these newsletters and on the Penny Stocks Psychic web site are provided for informational purposes only. Use of Penny Stocks Psychic Web sites, logos, themes, or other items contained within this report are prohibited without the express written consent of Penny Stocks Psychic.

Any redistribution of information from this web site or our newsletter e-mails without the written consent of Penny Stocks Psychic is strictly prohibited.

This disclaimer may change from time to time without notice.