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The information, products, and downloads contained in CMLConglomerate’s website, (hereinafter referred to as “website” )  and the downloadable spreadsheets (hereinafter referred to as “tools” ) are for informational purposes only and should not be misconstrued as tax, financial, or investment advice. Under no circumstance is it a representation to buy or sell any investments properties. Nothing in, both the website and tools, should be viewed as a substitute for the advice of a competent attorney or professional.

The tools require Microsoft Excel to run. CMLConglomerate and are not affiliated with Microsoft Excel nor any of its products/affiliates.

The materials on CMLConglomerate’s website,, are provided “as is”. CMLConglomerate makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, CMLConglomerate does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site. CMLConglomerate makes no representation that the operation of the site will be uninterrupted or error-free, and will not be liable for the consequences of any interruptions or errors. The information contained in the website and tool does not constitute legal advice or tax advice. CMLConglomerate makes no claims about the accuracy, completeness, or up-to-date character of the information provided in the website and tool. CMLConglomerate is not acting as your attorney or financial advisor.

Users of this site understand and agree that they participate at their own risk. Users are advised to do their own due diligence when it comes to making decisions. By reading this, you agree that you and soley you are responsible for the success or failure of your decisions relating to any information presented in this website and tool.