Changes to terms of services, changes in legal terms of use, and changes to products, services and materials: The Terms of Service listed on this site apply to transactions made through this web site and are subject to change without notice.  All changes to these Terms of Service are published here; for the latest version check this page.

Maximum Change, Inc., MaximumChange.com, philipafoster.com or drphilipafoster.com retain the right to make any changes to its own advertised materials without notice.

Terms and Termination

These Terms of Service are effective until terminated by either you or MaximumChange.com, philipafoster.com or drphilipafoster.com. You may terminate these Terms of Service at any time by no longer using the MaximumChange.com, philipafoster.com or drphilipafoster.com web site and its services.  Provisions contained under the headings of: Copyrights, Disclaimer, Limitation of Liability, Assignment of Ideas and Materials, Indemnification and General shall survive any such termination.

Copyright and Trademarks

The entire content of this site - including editorial and images in whatever form - are protected by US and international copyright law and associated treaties. All rights are reserved by MaximumChange.com, philipafoster.com or drphilipafoster.com and/or other identified holders.  You must not republish, reprint, repost or in any other way distribute or transmit any content or images shown on this site, without express written permission of MaximumChange.com, philipafoster.com or drphilipafoster.com. All content, trademarks and other 'owned ' materials on this site are owned by either the copyright holders or MaximumChange.com, philipafoster.com or drphilipafoster.com.  Unauthorized copying of our copyrighted material can result in civil or criminal charges being made against you.

Use of written content, images, audio files or the likeness of Philip A Foster in anyway found on this website, twitter, facebook, linkedIn or any other location in which Maximum Change, Inc or Philip A Foster's content is present is strictly prohibited without written consent or waiver. Maximum Change, Inc. and Philip A Foster reserve the right to defend its content, copyright, trademark and good name to the fullest extend of the law.

Payment Options, fee and prices

Our shopping cart accepts credit cards through PayPal.com. Physical and electronic Goods and services are provided only after full payment has been received and unless otherwise noted, there are no refunds for services purchased.  Charges for goods shall be those ruling on the date of order. Fees & prices are those shown and may be subject to change without notice.

Security of Credit Card Payment Options

We use reliable services of PayPal.com that provide high security servers to encrypt and process online credit card details securely while you make payments online.

Guarantees

All guarantees are listed on the relevant product or service pages where applicable.

Delivery of physical goods

For payments made online by credit card, to reduce fraud and improve security, we will only deliver physical goods to the mailing address of the card holder.

Refunds

There are no Refunds for services or electronically delivered products purchased through Maximum Change or any of its affiliate sites or locations. 

Data Protection

MaximumChange.com, philipafoster.com or drphilipafoster.com mat collect statistics that include sales, traffic patterns and information about related web sites and other trustworthy third parties. None of this information is shared with any outside parties.

Customers who opt to provide us with their telephone number may receive telephone contact from us regarding requests for further information or about their orders placed online.  Names and telephone numbers will not be shared with other organizations.  You may request a copy of any personal data we have about you.  We may request that you provide proof of your identity before supplying such data. You can view our full Privacy policy here

Bulk email Policy

We respect our customers' right to privacy and therefore we do not solicit business by any methods involving Unsolicited Commercial Email (UCE) otherwise known as Spamming.  If may chose to opt-in or out of our newsletter service at any time by making such request through our website or email us at info@maximumchange.com.

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