1) this program is primarily an educational program, and implementing ideas and/or recommendations is your responsibility only;
2) all recommendations are based upon the full, open and honest disclosure of your credit history, including all major and retail credit cards which are currently open;
3) opening and closing credit cards to obtain rewards or for any other purpose will almost certainly impact your credit score, either positively or negatively;
4) you are advised that this program may not be appropriate for you if you intend to make any major purchases on credit in the foreseeable future since your credit score may be affected by the danSmiles program and the interest rate you pay may be affected by your credit score;
5) danSmiles always recommends paying all credit cards in full each month to avoid interest and other charges, and to maximize the value of the danSmiles program;
6) your credit score may be negatively affected by implementing the danSmiles program;
7) rewards programs and credit card companies are continually changing their offerings and danSmiles endeavors to stay abreast of such changes, but any information provided may become obsolete at any moment as a result of such changes;
8) financial institutions may refuse to issue credit cards or offer credit to you due to over-utilization of rewards programs, or for any other reason that the institution determines;
9) you, for yourself, your personal representatives, heirs, successors and assigns, assume all risks of participation in the danSmiles, program including, without limitation, the risk that your credit may be negatively affected or that you may be refused credit;
10) you, for yourself, your personal representatives, heirs, successors and assigns, hereby fully release, waive claims against, and discharge danSmiles, LLC and Dan Riggan and their agents, officers, employees, representatives, personal representatives, heirs, successors and assigns from any and all liability for any and all loss or damage and any claims or demands therefore on account of implementing ideas and/or recommendations taught by danSmiles, LLC and/or Dan Riggan;
11) you, for yourself, your personal representatives, heirs, successors and assigns, agree to indemnify and hold harmless danSmiles, LLC and Dan Riggan and their agents, officers, employees, representatives, personal representatives, heirs, successors and assigns, and each of them, from any loss or liability, damage or cost, including attorney fees, they may incur in any suit, demand, legal action, or claim of any nature made by you or any representative, arising out of any alleged injury or damage resulting directly or indirectly from working with danSmiles, LLC and/or Dan Riggan, or engaging in the danSmiles program.