Last updated: September 19, 2026
1. Website operator and scope
This website is operated by Richard Brownstein, doing business as Brownstein Enterprises (“we,” “us,” or “our”). These Terms of Service establish the conditions for using our informational website, directory, and related content. They do not constitute terms for a purchase from a third-party provider or authorize any direct purchase from us.
By accessing or using the website, you acknowledge these Terms. Where applicable law requires affirmative agreement or separate consent, browsing alone will not substitute for that required agreement or consent.
2. Audience and purpose
The website is intended for adults age 18 or older and is initially directed to a United States audience. It provides general information about online business opportunities, tools, and training. Availability on the internet does not mean that every offer is available or lawful in every location. Eligibility and geographic restrictions depend on the particular provider and applicable law.
We are not offering employment, establishing a partnership with visitors, or appointing visitors as our agents. Website content does not create an attorney-client, accountant-client, investment-advisory, or other professional advisory relationship.
3. Information and earnings
Information is general and may not fit your circumstances. Product features, prices, eligibility, and provider terms can change. Review the current written offer before acting, and obtain independent professional advice when appropriate.
We do not guarantee income, profit, business success, or recovery of expenses. Activities may involve costs and losses. Read our Earnings Disclaimer. Neither that disclaimer nor these terms excuses misleading statements or replaces legally required disclosures.
4. Affiliate relationships and third-party services
We may receive compensation for qualifying referrals. Our Affiliate Disclosure explains these relationships. A listing does not mean we own or operate the provider’s service, have evaluated every competing option, or guarantee the provider’s performance.
For an ordinary affiliate referral, your purchase agreement is with the identified seller. That seller ordinarily handles payment, delivery, cancellation, refunds, and product support under its terms and applicable law. Verify the seller’s identity and responsibilities before paying. We cannot change another provider’s contract or promise a refund on its behalf. This does not exclude responsibilities the law places on us for our own conduct.
5. No direct-sale or blanket no-refund terms
These terms do not establish a checkout, paid subscription, resale arrangement, or direct-payment offer from Brownstein Enterprises. Any future direct sale requires separate reviewed terms that identify the seller, deliverables, total charges, recurring charges if any, cancellation and refund rights, and other required disclosures before payment or agreement.
There is no blanket “all sales final” rule in these website terms. Any applicable statutory cancellation, refund, or other consumer rights remain available. A third party’s refund terms do not automatically govern a separate payment to us.
6. Permitted use and intellectual property
You may access the website and use its content to evaluate information for your own personal or internal business purposes. Subject to applicable law, you may save or print reasonable excerpts for those purposes while preserving relevant attribution and notices.
Our original content and branding, and materials used under license, remain subject to their respective owners’ rights. Do not reproduce or resell substantial portions of protected content, falsely claim ownership, or imply our endorsement without permission. Third-party names and marks belong to their respective owners. Nothing in these terms restricts fair use, lawful quotation, accessibility rights, or other uses permitted by law.
7. Prohibited conduct
Do not use the website to commit fraud, impersonate another person, transmit malware, send spam, infringe rights, unlawfully obtain personal information, or harass or threaten anyone. Do not attempt unauthorized access, circumvent access controls, or interfere with the website’s operation. Automated access must not violate applicable law, bypass restrictions, or place an unreasonable burden on the service.
8. Contact, support, and communications
Contact us by email at Richard@BrownsteinEnterprises.com for questions about our website or content. We do not provide telephone support. Product-specific technical support, billing, and fulfillment questions should ordinarily go to the relevant provider. We do not promise a particular response time.
A contact inquiry is not consent to receive marketing emails. Where newsletter signup is offered, its separate opt-in and unsubscribe process applies. These terms do not authorize marketing texts or calls. Do not send passwords, payment-card details, government identification numbers, or other sensitive information through general inquiries.
9. Messages, feedback, and honest reviews
You retain ownership of your original messages and feedback. You permit us to use an inquiry as reasonably necessary to respond and administer it, consistent with our Privacy Policy. Sending an inquiry does not give us permission to publish your identity or message as a testimonial; separate permission would be requested.
Nothing in these terms prohibits honest reviews, lawful criticism, complaints to regulators, or other protected communications. We do not require you to transfer ownership of a review or impose a penalty for expressing a negative opinion. This does not authorize unlawful disclosure of another person’s private information or other unlawful conduct.
10. Privacy and external links
Our Privacy Policy describes our stated data practices. A privacy notice is not, by itself, consent to processing that requires separate consent. Third-party websites have their own privacy practices and terms; review them before providing information. We do not control their operation or security.
11. Availability and corrections
We may update content, remove outdated listings, or temporarily suspend access for maintenance, security, legal requirements, or misuse. We cannot promise uninterrupted or error-free access. We will not use changes to this website to eliminate accrued rights or avoid obligations under an existing separate agreement.
Please report suspected errors or misleading content with the relevant page address so we can review them. A notice that content may change does not excuse a false or misleading representation.
12. Warranties and responsibility
To the extent permitted by applicable law, general website information is provided “as is” and “as available,” without an additional promise that it will meet every visitor’s needs. This provision does not override an express promise we make or any warranty, duty, or remedy that cannot lawfully be excluded.
We do not guarantee a third party’s results or performance. Nothing in these terms excludes or limits liability for fraud, intentional misconduct, gross negligence, violations of law, or any other liability that cannot legally be excluded or limited. These terms impose no fixed damages cap, compulsory indemnity, or waiver of statutory consumer remedies.
13. Concerns and disputes
You are welcome to contact us to try to resolve a concern informally, but doing so is not a required step before exercising a legal right, filing a complaint, or seeking urgent relief. These terms do not require arbitration, waive a jury trial or class proceeding, shorten a legal filing deadline, or impose an exclusive court location.
California law and applicable federal law govern these terms to the extent permitted by law, without depriving a consumer of mandatory protections or access to courts available under otherwise applicable law. Questions about jurisdiction, venue, and enforceability remain subject to applicable law.
14. Changes and separate agreements
Material revisions will be identified with an updated date and appropriate notice. Where additional consent is required, it must be obtained. Revisions will not be applied retroactively to remove accrued rights or alter an existing dispute. Continued browsing alone will not be treated as consent where the law requires more.
If a provision is unenforceable, the remaining provisions apply only to the extent lawful and consistent with the agreement’s purpose. A delay in exercising a right does not automatically waive it. These general website terms do not amend a separate signed agreement or displace mandatory offer-specific disclosures.
15. Contact information
Richard Brownstein, doing business as Brownstein Enterprises
Email: Richard@BrownsteinEnterprises.com
Mailing address: P.O. Box 352, Trabuco Canyon, CA 92678, United States