I have received many emails from people asking about Affiliate & Earnings Disclaimers - mostly where can I find one and do I need them.

To answer the second question first yes you do need them - it's called CYA (Cover Your A$$) - And not only that if you are an affiliate the FTC requires you have it on your site.

And where to find them - well to save you a bunch of headaches I have an Affiliate and Earnings Disclaimer below that you can copy it's from my site - Simply add your salutation to the end. And if needed change or add the word "We" where applicable.

I believe in you!
Leo

Affiliate Disclaimer

In an effort to be completely transparent, I want to let you know that I have an affiliate relationship with some of the companies whose products or services I recommend.

This means that, at no additional cost to you, I will earn a commission or credit if you decide to buy any of their products or services.

This is one of the ways I pay for maintaining this site. Just to be safe, you can assume that any link that you click while on my site or using any of the products is an affiliate link and I will earn compensation as a result.

I urge you to not spend any money on any of these products or services unless you really need or can afford them.

Earnings Disclaimer

Every effort has been made to accurately represent the products, services, and/or techniques and their potential referenced on this website. I am not presenting you with a business opportunity. I am not presenting you with a distributorship.

I am not not making any claims as to income you may earn. I am not presenting you with an opportunity to get rich.

Before embarking on any endeavor, please use caution and seek the advice from your own personal professional advisors, such as your attorney and/or your accountant.

Where income figures are mentioned (if any), those income figures are anecdotal information passed on to me concerning the results achieved by the individual sharing the information.

I have performed no independent verification of the statements made by those individuals. Please do not assume that you will make those same income figures.

Please do not construe any statement in this website as a claim or representation of average earnings. There are NO average earnings.

Testimonials and statements of individuals are not to be construed as claims or representations of average earnings. I cannot, do not, and will not make any claims as to earnings, average, or otherwise.

Success in any endeavor is based on many factors individual to you. I do not know your educational background, your skills, your prior experience, or the time you can and will devote to the endeavor.

Please perform your own due diligence before embarking on any course of action. Follow the advice of your personal qualified advisors.

There are risks in any endeavor that are not suitable for everyone. If you use capital, only “risk” capital should be used.

There is no guarantee that you will earn any money using any of the ideas presented in my materials. Examples in my materials are not to be interpreted as a promise or guarantee of earnings.

Many factors will be important in determining your actual results and no guarantees are made that you will achieve results similar to mine or anybody else’s. No guarantee is made that you will achieve any result at all from the ideas in my material.

You agree that I will not share in your success, nor will I be responsible for your failure or for your actions in any endeavor you may undertake.

Please understand that past performance cannot be an indication of possible future results.

Materials in my product and my 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 my 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 in my materials are intended to express my opinion of earnings potential. They are opinions only and should not be relied upon as fact.

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Recent messages
AgnesDF Premium
Time Saver! Thanks for the help Leo.
Reply
leoemery Premium
You're welcome
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IrmaStretch Premium
Thank you for this. I have updated my site accordingly! :)
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leoemery Premium
Cool, and you're welcome
Reply
Phil-58 Premium
Hi there
Many thanks for putting this important training lesson together for us here at WA.
It's so important and essential.
If I may ask...where exactly do we put these statements on our site.
Correct me if I am wrong...is there a plugin for the Amazon disclaimers....

Do we make a seperate page for the Affiliate and earnings disclaimers ..........

Or do we put these disclaimers on every post that we write on our websites

Cheers and thanks again.
Phil Browne
Reply
leoemery Premium
I'm not an amazon affiliate so I would check within your amazon associates account to see how they want you to display it. And I don't know if there is a plugin.

Personally I have all my disclaimer links in the footer of my website. You could also have the links in a sidebar widget.

And when you get to my blog page I have this at the bottom which get's displayed on every post and page:

Just A Heads Up I Do Make A Small Commission On The Products And Services That I Use And Talk About Through Affiliate Relationships With Those Merchants
Reply
Phil-58 Premium
Cheers and thanks for this info
very useful and important
Reply
Doesn't this put you at increased risk of liability especially if there are those who want to sue you for monetary gain? By advertising that you are earning additional income from affiliate marketing?
Reply
leoemery Premium
None what so ever - no one can sue you because you make money and if they try there is no valid reason.

This protects you from people as you are providing full disclosure. Also this is required by the FTC.

Heck you can't be an amazon affiliate without their affiliate disclaimer.
Reply
TracyIrv Premium
Thank you so much. I suppose this could be called online red tape... Thanks again, will definitely be using.
Reply
leoemery Premium
No one ever reads this stuff but it's one of those cover your ass things -
Reply
Shwni Premium
Awesome! Thanks for this
Reply
leoemery Premium
You're welcome
Reply
TAragon Premium
Thank you for this! Do you know if I can add the Amazon Disclaimer to this or is it necessary that I have the Amazon Disclaimer on every page that I have an amazon associates link to?
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leoemery Premium
If you're an amazon affiliate - you don't need this disclaimer - you can simply use amazon’s disclaimer. I'm not an amazon affiliate but I do believe they want their disclaimer on the pages that have products.

Best to read their TOS when it comes to displaying the disclaimer or you can do a shout out (blog post) to fellow amazon affiliates in the community and ask how they have done it.
Reply
madetona Premium
Thanks for your help!
Reply
leoemery Premium
You're welcome
Reply
Catwest Premium
Thanks for the awesome disclaimer! This is exactly what I was looking for.
One question: Should this be marked as Do not index in the SEO widget?
Thanks again!
Reply
leoemery Premium
Yep, noindex and nofollow - pages like these don't need to be indexed or followed
Reply
LilibethT Premium
Thank you so much for the ready to use disclaimer. That saved me a whole 4 hrs of writing.
Reply
leoemery Premium
You're welcome
Reply
katiemarie16 Premium
Thank you so much for this incredibly helpful information and for allowing others to use it. You made my day!
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leoemery Premium
You're welcome
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sharon22 Premium
Thank you very much! You saved my day!
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leoemery Premium
You're welcome
Reply
MillieMarino Premium
Leo,

Thanks for your Affiliate Earnings Disclaimer copy!
I will use it on my site that is promoting WA Affiliate Program.
I would like to know if the copy is up-to-date?, I noticed the last update was Sep 30, 2013.
Reply
leoemery Premium
The information in the disclaimer never needs to be updated.
Reply
MillieMarino Premium
Wow! That is great! Thanks again Leo!
Reply
DeniseJ95 Premium
This is really great. I am so new to the website functionality, that I am struggling to figure out a way to add this disclaimer. I don't know how to create widgets, and am not sure if I should create a plugin, or even how to add a footer to my page :( Any help would be most appreciated!!
Reply
leoemery Premium
Just like creating a post you would simply create a page and then copy my disclaimer and place it your page - call the page Affiliate & Earnings Disclaimer, now publish the page.

Pages do not get automatically displayed like posts - you need to add them to you menu or have a visable link to the page.

So you can add this page to your menu - or place the link in your sidebar within a widget.

Below are some video training I did about widgets and one about menus

This is the menu tutorial This video is a tutorial about widgets This video shows you how to create the code for a text link that you can then place in a text widget. Hope this helps
Reply
DeniseJ95 Premium
Thank you so much Leo! That was extremely helpful :)
Reply
DIYsurvival Premium
You are a wonderful human being... thank you
Reply
leoemery Premium
Thanks
Reply
MarimN Premium
Thank you.
Reply
leoemery Premium
You're welcome
Reply
AllyJay Premium
Hi Leo, really great help, thank you
Reply
leoemery Premium
You're welcome
Reply
suea Premium
Hi Leo. Thanks very much for this post. Really big help.
Reply
leoemery Premium
You're welcome - great to hear it helped
Reply
viyee Premium
Hi Leo, Very useful, Many thanks.
Reply
leoemery Premium
You're welcome
Reply
USMCVeteran Premium
Thanks
Reply
leoemery Premium
You're welcome
Reply
ariesurya Premium
Thank you, this is soo good. I'm gonna use that
Reply
leoemery Premium
Absolutely - this why I posted so it can be used
Reply
marco9love Premium
Thank you for this. Where can I place these? can i place them on a footer sidebar? Also, do they need to interrupt the flow of my " conversion strategy" ? ie: how many times do I need to call readers attention to these? Thanks again.
Reply
leoemery Premium
You can place this where ever you like, remember most people never read this stuff, it's there to cover your ass legally. You can place it in your footer, or side bar in a widget.

For example you could created a widget and called it Policies and then have the links to the different policy pages.

Don't put it in your top menu, that's a waste of valuable space.
Reply
MarimN Premium
Thank you
Reply
vanbot Premium
Thanks for putting the affiliate disclaimer here for us Leo, and allowing us to copy it, you're one in a million:-))Steph
Reply
KatieMac Premium
really useful many thanks Leo
Reply
seconds2work Premium
Thank you, again Leo.
LeNard -seconds2work
Reply
CathH1 Premium
thank you so much for sharing these to copy and paste, you have made a difficult job very easy to get right :-)
Reply
weemrst Premium
Thank you so much for sharing this valuable information.
It is very kind of you and appreciated very much.
I would like to give a thank you to Loes too as I found your post via her training.
Take care,
Lynn
Reply
IndependentD Premium
Exactly what I was looking for - Thank you!!!!
Reply
RussGoodman Premium
Thanks very much.
Reply
DonaldCillo Premium
Thank you leoemery, i seen a webinar which speaks about dis claim pages, iam glad i stumbled onto your comment regarding this type of page. Don
Reply
RickElm Premium
Where should I put the disclaimer? On every page or post?
Reply
leoemery Premium
Create a page for it and then have a link to it either at the bottom of your sidebar or in a footer.

If you place them in your sidebar, create a widget called Polices and then you can have links to all your polices within that widget,

If you look at my site you'll see I have everything at the bottom. http://www.netwiseprofits.com/
Reply
RickElm Premium
Thanks :)
Reply
NRosales Premium
Thanks Leo for the affiliate disclaimer.
Reply
GaryHorton Premium
Thanks Leo!
Reply
AussieJeff Premium
Thank's Leo for your disclaimer info.
Reply
laurenjean Premium
Wow... thanks Leo. Appreciate! Lisa Franks just sent me here. Been meaning to add an Affiliate disclaimer for a while.
Reply
KatieMac Premium
Thank you Leo had my privacy and was struggling as to what to cover for this
Reply
leoemery Premium
You're welcome
Reply
accelrose Premium
hi leomery and everyone. So can I copy the affiliate disclaimer AND how do i find the footer widget? I do somewhat agree that the affiliate disclaimer page will likely be at the bottom but it wouldn't hurt to be at the top unless someone tell me I shouldn't. Which is correct? Thanks :)
Reply
leoemery Premium
Yes you can copy this, that's why I have it here for everyone. Most themes have a footer widget, you'll find that in your dashboard of your site, under Appearance.

I did a training video about widgets - here's the link if you need to watch it. You don't want this at the top of your site, mainly because the top menu area is valuable real estate and this disclaimer would take up a valuable spot. Plus most people ever reads these things anyway.

Place it at the bottom (the link) to your page or you can have it in your sidebar again with a link to your page.

I have my stuff at the bottom of my site, if you want to take a peek to se how it looks here's my WA site, scroll to the bottom. www.netwiseprofits.com

Hope this helps
Reply
accelrose Premium
Thank you sir. :) found the foot widget eventually and applying the bottom page. Sorry to ask again, but where is the privacy page linky? Thanks.
Reply
leoemery Premium
Not sure - you can copy my privacy policy from my site if you want - just make sure to replace my site and company name with yours
Reply
jkhatri Premium
Should I add new page on my website?
I have seen in many website they are giving disclaimer as link at the bottom of the page. You have to click on the disclaimer link and new page will open.
May be my theme is not having this provision. Please help.
Reply
HowardJaros Premium
If you go to your level one certification courses link and go to lesson nine that Kyle created, you will see a step-by-step process for adding a privacy policy page. Do the same thing for the affiliate disclaimer. Place it on your website where you like. I was able to place a legal section in the footer of my website and I added it there with the privacy policy.
Reply
leoemery Premium
It's best to have a separate page yes. You can place your link anywhere you like. If your theme has a footer widget then you can place it at the bottom of your site, if not it can be done by custom CSS, you can also place it in your sidebar.

I would not place it in your top menu, simple because your top menu is valuable real estate on your site and should be used for other menu links.

I did a few training videos regarding widgets - those will help you if needed
Reply
jkhatri Premium
Thank you very much.
I will try this.
Reply
Marcel92 Premium
Leoemery makes a valid point to your question.
Marcel...
Reply
Helen123 Premium
Thanks for this, added today.
Reply
chuakh1991 Premium
Thanks for the disclaimer !
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Lifeis2short Premium
Thanks for sharing Leo! How do you get the phrase... "Just A Heads Up I Do Make A Small Commission On The Products And Services That I Use And Talk About Through Affiliate Relationships With Those Merchants" to show up at the bottom of every page?
Reply
leoemery Premium
That's done with a footer widget
Reply
drric Premium
Thank you for this I needed that!
Reply
LizPB Premium
Wonderful! Thank you ;-)
Reply
Mishyboo Premium
Thank You So Much For This!!

There Are Truely Some Amazing People In This Community & You Sir Are Most Definitely One Of Them!!!

Much Appreciated!

Mishyboo X:-).
Reply
msnix Premium
Thanks! I'll be copying this, hope you don't mind :)
Reply
leoemery Premium
Copy away
Reply
AntonioAless Premium
should i have affiliate and earnings in one page? or separated?
Reply
leoemery Premium
Makes no difference really, it's up to you
Reply
AntonioAless Premium
ok thanks:)
Reply
Madge06 Premium
Copying sir. Thank you very much. God bless you.
Reply
docub Premium
Very Well worded. One of the best disclaimers I have Seen
Brian
Reply
NicholeTH Premium
I just want to be sure, if I am not promoting anyone to make money with me - as we are doing here if you are promoting Wealth Affiliate - and referring people to products, I just need the Affiliate Disclaimer, correct?
Reply
leoemery Premium
Yep
Reply
wealthyvik Premium
Thank you Leo. Copying it :)
Reply
leoemery Premium
You're welcome
Reply
yamin4cws Premium
Excellent stuff Loe - thank for this Man!
Reply
leoemery Premium
You're welcome
Reply
Jim-Bo Premium
hey there Leo I just subscribed at http://netwiseprofits.com

I wanted to be sucked into a sales funnel to see what happens from the "other" person's perspective.

As I allowed myself to be sucked in I got to see video number one of 5 (i mean 6 hehe)

So anyways, seen video one, am anticipating video 2

incidentally, what software does one use to make videos like that?

I bet it costs a fortune and is therefore prohibitive to the likes of a poor little pauper like me. Ha!

I believe in you too, Leo!!!
Reply
leoemery Premium
I use Camtasia the cost of the program is $300 - so it's really not that bad cost wise.

I would love to get your thoughts about my 5 day walkthrough, I have been tweaking it - please feel free to PM me here or even email me through my site.
Reply
Boyo Premium
Thanks a million for this - much appreciated!
Reply
leoemery Premium
You're welcome
Reply
MTagsip Premium
Thanks so much for this! This is really helpful as I have been looking for this. Which page/post should we put it? I figured it should be on a separate page, right? Because I just learned the new FTC rule that it should be on every post/page in the website, but this is too long.
Reply
leoemery Premium
Take a look at my site, you'll see I have all my policies listed in the sidebar at the end of the sidebar, with a link to the individual pages.

And then look at the very bottom of my site, you'll see my mini disclaimer that is on every page. www.netwiseprofits.com
Reply
BENJI89 Premium
This is exceptional and thank you for this Disclaimer. This is one of things Ineeded to get right before I can advertise on Adwords. Does Kyle offer this as a lesson within his training course? Is there a reason preventing him from telling us to create these legal disclaimers?
Reply
leoemery Premium
No reason, and he does mention it in the first lessons of the training
Reply
alexander11 Premium
Thank you for this! Do we need to configure the page so google does not see it duplicate content?
Reply
cronkito Premium
That's a good question. I was going to say yes, but looking at mine it is not set up that way. I'm curious now!
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leoemery Premium
No because first there is no such thing as duplicate content - meaning a duplicate content penalty.

And two you don't need to have this stuff indexed - so set it to no index, most people never read this stuff anyway- you're doing this just to CYA yourself.
Reply
cronkito Premium
Good deal, thanks! The "two" is exactly what I was thinking. Guess I missed ticking the boxes when I set it up! Fixed.
Reply
alexander11 Premium
Awesome thanks.
Reply
CristinaMM Premium
Hey Leo,

Thank you so much for this affiliate and earnings disclaimers statements, and I really appreciate for sharing them with the WA community. I been searching a while this statements.

Cheers,
Cristina
Reply
leoemery Premium
You're welcome
Reply
cronkito Premium
Thanks for that! I don't need any trouble from the easy stuff...
Reply
leoemery Premium
You're welcome
Reply
KMohammadi Premium
Hi Leo,
I'v copied and used them in my web site and appreciated.
Thank you so much.
Best wishes and good luck,
Kaveh
Reply
leoemery Premium
You're welcome
Reply
mechidor Premium
Hi Leo,
I've copied the affiliate disclaimer above, I was wondering if I should also copy the earning disclaimer?
Thank you
Reply
leoemery Premium
Yes, it's best to have both on your site
Reply
mechidor Premium
Thank you very much Leo
Reply
mpgoode Premium
This is very clear, upfront and honest. Can we use this word for word?
Reply
leoemery Premium
Yep
Reply
YaredAbebe Premium
Thank you so much.
Reply
leoemery Premium
You're welcome
Reply
NemiraB Premium
Thank you very much, appreciated:)
Reply
leoemery Premium
You're welcome
Reply
ginax Premium
This is a greatly helpful resource. Thank you!
Reply
leoemery Premium
You're welcome
Reply
Nurudeen Premium
Thanks Leo for sharing. Good man.
Reply
leoemery Premium
You're welcome
Reply
MrsT Premium
Thanks Leo! :-)
Reply
leoemery Premium
You're welcome
Reply
SteveF1 Premium
Thank you Most kindly Leo
As you said, saved a lot of headaches.
Thanks again
Steve
Reply
leoemery Premium
You're welcome
Reply
LinaB Premium
Leo ,
Thanks a bumch...I tweaked it.
Reply
leoemery Premium
By all means, tweak it to best suit your site.
Reply
CShepherd Premium
Just go it, I think - the no index. Thanks.
Reply
CShepherd Premium
Thank you Leo! Very helpful of you to supply not only the advice, but the disclaimers themselves. However, how does one set a page to no index? Thanks again.
Reply
leoemery Premium
The best way other than adding meta tag code to the page is to use a no index plugin. With it you can no index specific pages.

Simply do a search for a no-index plugin to find one.
Reply
Toe-Knee Premium
Hi Leo, thanks for the great info!

A couple of questions...

Should this new page be parked right next to your privacy policy in your menu, or can it be situated within a dropdown for the privacy policy?

Secondly, some people say you need a disclosure on every page or post that you have affiliate links. Is that necessary? Obviously I'm not implying your example above should be what we use for our reviews. :)
Reply
leoemery Premium
Yes and yes.

Personally I have all my polices in the side bar at the bottom. The top menu is to valuable of real estate to waste on policy links

I have my disclosure at the bottom of my site in a footer this way it shows on every page.

Here's the link to my site www.netwiseprofits.com, you will see the disclosure at the bottom and my policy pages in the side bar

www.netwiseprofits.com
Reply
Toe-Knee Premium
Thanks Leo.

Is that one liner sufficient in the footer for anyone to use?

May I also ask if it's important for everyone to have a 'Website Agreement'? I've not come across that before.

Cheers.
Reply
leoemery Premium
Yeah that one line is fine and as for the website agreement I have that on all my sites, just another level of CYA (covering your ass)
Reply
Toe-Knee Premium
Great, ha I'll have to borrow that.

Thanks for your help!
Reply
Lunaria Premium
thanks for sharing :)
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leoemery Premium
You're welcome
Reply
Jim-Bo Premium
Lol, that's a long disclaimer, a whole page of content to add to ur site, not a bad thing!
Reply
leoemery Premium
This page would be set a no index, this content adds no SEO value to your overall site.
Reply
Jim-Bo Premium
wow, that is so clear now u said that! as soon as u said it I realized a few things all at the same time! thanks!
Reply
ewesty Premium
It seems to me that this post should at the very least be referenced as a basic training step next to the privacy policy creation of a site. Thanks for the info!
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leoemery Premium
Doubt they will use mine but it may be added to the training in the future
Reply
Nicolaz Premium
Hey Leo, Helped me a lot and it's already on my site. Thanks man.
Reply
leoemery Premium
You're welcome
Reply
Larry_T Premium
Interesting info on Disclaimers, Leo.
Reply
Cstiles Premium
I noticed on your website a "website agreement". Is that something we should have on our websites as well? I'm not sure of the differences between the two but, it looked important.
Reply
leoemery Premium
The website agreement I have outlines copyright, trademarks, limitation of any liability and such, another layer of covering my butt. It's up to you if you want to have one.

The affiliate and earnings disclaimers simply tells people you make money from recommending products
Reply
Cstiles Premium
Thank you
Reply
sarita72 Premium
I just made the disclaimer, and put it in the menus, as a subitem of the privacy politics. But...I just opened my site, and there it was....as a normal blog post!!! Can I do anything to remove it from there? It already shows as a sub item of privacy, but I didn't want to appear like that. Should I delete the post and create a page? And put that page as a sub item?
Reply
sarita72 Premium
Yep...that's it. I copy the post, put it on a page, deleted the post, went to menus, selected the new page, and put it as a sub item of privacy. Worked!
Reply
adroco3 Premium
Hi Sarita, you should also make sure the page doesn't get indexed in Google as that could hurt your site since it'll be duplicate content.
Reply
sarita72 Premium
Thank you to remind it, but it was the first thing I've done right after!
Reply
adroco3 Premium
Where should I be putting my earnings disclaimer?
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leoemery Premium
You really don't want to have it in your menu at the top of your site because that is very valuable real estate and most people never read this stuff.

I have mine in my side bar under the heading Policies and there is a link to my Affiliate & Earning disclaimer, website agreement and privacy policy.
Reply
adroco3 Premium
Thanks Leo!
Reply
sheiladane99 Premium
Thanks for the example of an affiliate disclaimer. It was helpful.
Sheila
Reply
TJRANDO Premium
Hi Ace- I believe Shirley is correct, you can use WA's agreement just fill in your domain name where needed.
Reply
SStarrs Premium
Yes we are allowed to use website agreements.
Reply
MartinaWA Premium
Are we allowed to use your website agreement too?
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leoemery Premium
Sure
Reply
MartinaWA Premium
Thanks :)
Reply
mechidor Premium
Hi Leo,
I copied the affiliate disclaimer and I thank you for this. I did not know about this until I saw few on several websites when commenting.
Thank you very much
Reply
leoemery Premium
You're welcome
Reply
FunnyMoneyy Premium
Could I put this on my same page with the privacy policy?
Reply
leoemery Premium
You can if you like - but personally I find it better have this on a separate page.

Create a widget and place it either in your side bar or footer and call it Polices and in that widget have the links to your privacy page and then your disclaimers .
Reply
FunnyMoneyy Premium
Ok, that sounds like the best way to do it and than should I hide the pages?
Reply
leoemery Premium
Yes - set them to no index
Reply
ColtonJames Premium
Is this only for WA affiliate sites or just all websites in general?
Reply
leoemery Premium
Any affiliate website
Reply
ColtonJames Premium
Thanks!
Reply
jshannon123 Premium
Does anyone have these on their site where I can see how they are placed? Thanks.
Reply
leoemery Premium
I'm sure they do - here's my site I have placed them at the bottom of my sidebar under polices - www.netwiseprofits.com
Reply
jshannon123 Premium
Thanks. Is it necessary to have a website agreement?
Reply
leoemery Premium
It's not required but it is another level of protecting yourself and your site
Reply
ladyluck2013 Premium
Thanks Leo for providing the affiliate & earnings disclaimers. I did not know that this is required. It makes sense to have it so that I will be protected from someone claiming I misled them regarding making money online.
Deidre
Reply
timshepherd Premium
Thanks, very useful.
Reply
leoemery Premium
You're welcome
Reply
AnaSantos Premium
Thanks a lot for this info!
Reply
leoemery Premium
You're welcome
Reply
MarkKinsey Premium
Excellent Leo, thanks
Reply
leoemery Premium
You're welcome
Reply
Garden77 Premium
That's solid info thanks
Reply
Anewcreature Premium
I am thankful for this type of information. It helps me to stay on the straight and narrow. Leo keep up the great work!
Reply