*Earnings and income representations made by Philip Johansen, Philip's agency, and Philip's agency and their advertisers/sponsors (collectively, "Philip's agency") are aspirational statements only of your earnings potential. These results are not typical and results will vary. The results on this page are OUR results and from years of testing. We can in NO way guarantee you will get similar results

This is not a get rich quick program nor do we believe in overnight success. We believe in hard work, integrity and developing your skills if you want to earn more financially. As stipulated by law, we can not and do not make any guarantees about your ability to get results or earn any money with any of our products or services, or the products and services we recommend. The average person who buys any “how-to” information gets little to no results. Any references or examples used within this page, or by someone on this page or video, are real and documented but are used strictly for example purposes only. Your results will vary and depend on many factors, including but not limited to your background, experience, and work ethic. All business entails risk as well as massive and consistent effort and action. If you're not willing to accept that,

please DO NOT PURCHASE ANY PRODUCTS FROM US.

The Philip Johansen and Philip's Agency Programs, and Philip Johansen individually, are not responsible for your actions. You are solely responsible for your own moves and decisions and the evaluation and use of our products and services should be based on your own due diligence. You agree that the Philip Johansen and/or Philip's Agency Programs are not liable to you in any way for your results in using our products and services. See our Terms & Conditions for our full disclaimer of liability and other restrictions.

MULTI-LEVEL MARKETING: This business is NOT advertising a multi-level marketing or network marketing business, as it does not fit the koscot test under FTC law. Any individual, without any payment by participants, can become a part of the referral program by signing up 100% free.

BUSINESS OPPORTUNITY: Philip's Agency and Philip Johansen, and associated free training are NOT considered an income or business opportunity according to the Business Opportunity Rule § 437.1m; “that advertising and general advice about business development and training shall not be considered as ‘providing locations, outlets, accounts, or customers.’”

FRANCHISE: This business is NOT a franchise, as it fails the Beale’s Franchise Rule Test (Page 50, Franchise Definition) by neither: (1) permitting use of trademarks, (2) imposing significant control, or providing significant assistance to the business, (3) charging a required payment

LIABILITY DISCLAIMER: By reading this website or the documents it offers, you assume all risks associated with using the advice given, with a full understanding that you, solely, are responsible for anything that may occur as a result of putting this information into action in any way, and regardless of your interpretation of the advice. You further agree that our company cannot be held responsible in any way for the success or failure of your business as a result of the information provided by our company. It is your responsibility to conduct your own due diligence regarding the safe and successful operation of your business if you intend to apply any of our information in any way to your business operations. In summary, you understand that we make absolutely no guarantees regarding income as a result of applying this information, as well as the fact that you are solely responsible for the results of any action taken on your part as a result of any given information. In addition, for all intents and purposes you agree that our content is to be considered "for entertainment purposes only". Always seek the advice of a professional when making financial, tax or business decisions....