Legal Disclaimer


Terms and Conditions

How To Referral Ltd. (H2R) and its members, officers, directors, owners,  employees, agents, representatives, suppliers and service providers (collectively “H2R”) provides this website (the “Site”) for informational purposes only.  Use of and access to the Site and the information, materials, services, and other content available on or through the Site (“Content”) are subject to these terms of use and all applicable laws.


No Investment Advice

The Content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice. Nothing contained on our Site constitutes a solicitation, recommendation, endorsement, or offer by H2R or any third party service provider to buy or sell any securities or other financial instruments in this or in any other jurisdiction in which such solicitation or offer would be unlawful under the securities laws of such jurisdiction.

All Content on this site is information of a general nature and does not address the circumstances of any particular individual or entity. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute a comprehensive or complete statement of the matters discussed or the law relating thereto. H2R is not a fiduciary by virtue of any person’s use of or access to the Site or Content. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other Content on the Site before making any decisions based on such information or other Content. In exchange for using the Site, you agree not to hold H2R, its affiliates or any third party service provider liable for any possible claim for damages arising from any decision you make based on information or other Content made available to you through the Site.


Investment Risks

There are risks associated with investing in securities. Investing in stocks, bonds, exchange-traded funds, mutual funds, and money market funds involves the risk of loss. Loss of principal is possible. Some high-risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including greater volatility and political, economic and currency risks and differences in accounting methods. A security’s or a firm’s past investment performance is not a guarantee or predictor of future investment performance.


Third-Party Linked Sites

As a convenience to you, H2R may provide hyperlinks to websites operated by third parties. When you select these hyperlinks you will be leaving the H2R site. Because H2R has no control over such sites or their content, H2R is not responsible for the availability of such external sites or their content, and H2R does not adopt, endorse or nor is responsible or liable for any such sites or content, including advertising, products or other materials, on or available through such sites or resources. Other websites may provide links to the Site or Content with or without our authorization. H2R does not endorse such sites and shall not be responsible or liable for any links from those sites to the Site or Content, or for any content, advertising, products or other materials available on or through such other sites, or any loss or damages incurred in connection therewith. H2R may, in its sole discretion, block links to the Site and Content without prior notice.



No Advice

The Site provides general information only. Each user’s financial situation, circumstances, specific needs and objectives are different. Each user should evaluate the information on the Site and is encouraged to do further research before taking any action, inaction, or making any decision based on the content provided on the Site. Information provided by or through the Site is not intended to be, nor should it be construed or used as, (a) investment, accounting, tax, legal, insurance or other professional advice or (b) a recommendation directed to any particular person. Decisions based on the content provided on or through the Site are your sole responsibility and you agree that we are not liable for any action you take, inaction, or decision you make in reliance upon any content provided on or through the Site.

The Site may include content provided by third parties, including materials provided by other users, and third-party licensors. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by us, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of us. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.


Affiliate Disclosure

In compliance with the FTC guidelines, please assume the following about all links, posts, photos and other material on this website:

Any/all of the links on this website are affiliate links of which How To Referral Ltd. receives a small commission from sales of certain items, platform sign-ups, and on-platform activities.


What is an Affiliate Link?

Many (but not all) of the links on are affiliate links. This means that a special tracking code is used and that I may make a small commission on the sale of an item if you purchase through one of these links. The price of the item is the same for you whether it is an affiliate link or not, and using affiliate links helps me to maintain this website and support my family.

In some cases, I may also use a link and provide a discount code for an item. In these cases, I may still earn an affiliate commission and the price may actually be LESS for you by using this link or tracking code.