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Copyright © 2001 By Referral Only, Inc.

While you are a By Referral Only Community member in good standing, you have a personal, non-transferable license to use and adapt documents in the Members Only Resource Exchange for the sole purpose of soliciting and serving clients of your business. The documents, campaigns, special reports, ads, and other materials that you download from this website may be reproduced for your own use only, and must contain the following copyright information in each copy of your final product: Copyright © 2001 By Referral Only, Inc.

All publications in the Members Only Resource Exchange are protected by U.S. copyright and trade secret laws, and are provided to you under your By Referral Only Membership Agreement. Downloading this material constitutes your agreement to protect the confidentiality of these documents. You may not distribute this material to your agents unless they are members of the By Referral Only Coaching Program. You agree not to disclose, divulge, discuss, teach to others, offer for sale or license, make or distribute copies of, or prepare derivative works based of any of this material except in the course of directly soliciting and serving clients of your business.