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This website contains general information about financial success, happiness and general info on increasing joy in your life. This information is not advice and should not be treated as such.

The information on this website is provided “as is” without any representations or warranties, express or implied.  There are no guarantees as to your level of success with the information provided. We do not represent a get rich quick scheme, nor do we guarantee any level of financial success. Each individual and company has unique circumstances and characteristics and each individual has their own level of commitment and ability to create wealth and financial success.

Dawn Payne/Dawn Marie Payne/D.M. Payne Inc.  make no representation or warranties in relation to the financial information on this website. You must not rely on the information on this website as an alternative to financial advice from a certified advisor.  If you have any specific questions about your financial plans, contact a financial advisor.

We do not provide medical advice about  improving your psychological state, nor do we gurantee any psychological improvement in your life. If you have any concerns about your psychological state or other medical matter, you should consult your doctor or other professional healthcare provider.

Nothing in this disclaimer will limit any of our liabilities in any way that is not permitted under applicable law, or exclude any of our liabilities that may not be excluded under applicable law.

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