Set your business on the million-dollar trajectory without hustle and grind.

with Dr. Darnyelle Jervey Harmon and the IFU Coaching Team

I know what it feels like to get your business to a major milestone AND

STILL FEEL LIKE

something is missing

You did it.

You have a $250,000 (or more) business.

Can you please tell me why the heavens haven’t opened; the sea hasn’t parted and the thought that getting your business to 1/4 million dollar mark doesn’t fill you with joy and contentment? 

Because you and I both know that your low multi-six figure a year business, albeit “good”, isn’t a true reflection of your gifts, talents and results you provide your clients. 

As a result, you find yourself working more but not seeing the income and impact you know is possible.

You are already successful; your success isn’t the question.

The question is how do you turn your success into millions of dollars per year in revenue by MASTERING the core areas of your business so that it serves you financially AND spiritually? 

The question is how much longer will it take until you have all of your messaging and marketing systems and strategies set up and running like clockwork to bring your most aspirational clients to your doorstep? 

The question is when will you have a leveraged sales system that is consistently enrolling clients into your high end programs?

The question is where is the team you have been dreaming about so you can FINALLY become the CEO of your own company and stop being the bottleneck in your business?

If these are the questions you’re pondering right now, you’re in the right place.

YOU'RE IN THE MILLIONS MESSY MIDDLE

and it’s time to make a shift.

If you haven’t moved your business to the million dollar mark yet, it’s likely due to one of five reasons:

You lack the clarity and confidence to scale your business 


Your marketing and sales skills aren’t strong enough to sustain your business at the next level


You’re holding on to limiting and self-sabotaging beliefs that derail your next level


You’ve been so busy working IN your business that you haven’t been able to work ON it to develop key systems that will simplify the day to day in your business 


You haven’t put an emphasis on building a team so that you can shift from service provider to CEO

We have been responsible for

SHIFTING
COMPANIES

just like yours.

Once you shift into having a  business that offers predictable and sustainable results without hustling

you'll start to feel excited about

YOUR NEXT LEVEL!

I believe that you were born to make, move and leave millions and all the work you’re doing right now isn’t cutting it…. In a lot of ways, it still feels like you’re in small business poverty (a low six figure business) because you can’t do all that you require to get to the next level and step fully into being the CEO unless you streamline EVERYTHING….

Streamline your messaging & marketing

Streamline your sales

Streamline your systems

So you can build your team and deepen your leadership skills while tightening your success mindset. All of this is the key to sustainable business systems that allow you to increase your sales and revenue without having to be present.

I still remember when I hit this major milestone in my business but felt like I was STILL pushing a boulder uphill… No matter what I tried, I felt stuck in the messy middle of where I was and where I desired to be. I quickly realized that I was focused on the wrong things and that was delaying my move to the next income bracket in my business.

Introducing the

The Move to Millions Mastermind
is exactly what you've been praying for

When you enroll to work with us, we will equip you to navigate the messy middle with confidence, courage and commitment. You’ll deepen your connection to God while you develop and/or tighten your Million Dollar Assets™ and scale a company you can be proud of to and beyond the million dollar mark.

In the
Move to Millions Mastermind,
we keep things simple.

Our clients are already successful in business. They are looking to tighten the core areas of their company. If you have gotten your business to a place that most would be excited about, BUT you’re still working way too hard, you need to make some powerful SHIFTS to get your business on the trajectory to millions. Likely you are the only service provider that your clients rely on for results, so you’re juggling working IN and working ON your business. At this point, if you don’t hire a strong team (and tighten your other assets) you will burn out before you cash out. 

It’s time to up-level your signature offer and pinnacle client while you introduce leverage and start scaling up your revenue so that you generate more than necessary to expand your team without compromising your values and you are free to do only the parts of your business that you love because you have the right team that understands, produces, supports and loves your mission and vision.

Moving your business to the million dollar mark isn’t for a select few. It is for you too, you just need to be taught how. 
 Our program has been instrumental in our clients doubling, tripling and quadrupling their business in 12-36 months while streamlining a powerful foundation to sustain and scale without having to hustle and grind or sacrifice their faith, family, freedom or fun. 

“AN ADDITIONAL $250K AND WE'RE JUST GETTING STARTED!”

“Before joining the Move to Millions Mastermind with Darnyelle my annual revenue was almost $500K, and I thought I had made it. After some coaching, new strategies that I had never thought of, and opening my eyes to the true value I was bringing to the table, we’ve already added an additional $250K to the business and we have a plan to cross the Million Dollar Marker. The Mastermind has also helped to support me in onboarding my second full time employee! If you have reached a level in your business that most aspire to but you know that there is MORE available to you, you need this community to help you to solidify your next milestone and continue to change your life.”

PAUL JERVEY

FINANCIAL ADVISOR

SIX-FIGURE MONTHS ARE MY NEW NORMAL!”

“Working with Darnyelle has been a game changer for me! Strategy–tight. Sales–tight. Systems–tight. Support team–tight. In the last year, I’ve crossed a major threshold and now I’m a million-dollar CEO! Darnyelle is the GOAT, and I’m telling you: your life will NEVER be the same if you get into her space!”

ATTIAYH BLAIR

REAL ESTATE INVESTOR & COACH

“30 DAYS INTO THE MASTERMIND I HAD A $109,000 WEEK!

“Listen to me: Darnyelle is the TRUTH. The GOAT. I just enrolled and I already had a six-figure WEEK. 7 days in. Darnyelle is brilliant. When I worked with her in 2019, I had my highest month ever (then) immediately following our session. This is my MOVE to Millions year. It can be yours too.”

JULIA WINSTON

LEADERSHIP CONSULTING

Here's what included in the

Access to our elite team of coaches in these areas:

Financial

Life & Mindset

Prophetic

Business

Legal

HR

Tech & Automation

Facebook Ads

This Program Includes:

  • Twice monthly group laser  coaching and KPI review sessions
  • Twice monthly peer mastermind & advisory support
  • Quarterly 3-day business building implementation retreats
  • Quarterly private strategy calls with an IFU business coach 
  • As needed private life & mindset coaching support
  • And a host of other critical business scaling support for you and your team 

WE'LL STREAMLINE THE 7 PILLARS OF BUSINESS OPTIMIZATION INSIDE YOUR COMPANY...

Typically, the Move to Millions is a 3 year journey… Once you enroll, we give you a custom roadmap to your million dollar company – curated with your business and your uniqueness in mind. And yes, many clients make the move in 1 year or less. 

Year

One

  • Customized roadmap
  • Set your foundation
  • Raise your prices
  • Up-level your programs
  • Build your 1st 4 MDAs
  • Hire key team

Year

Two

  • Build your final 3 MDAs
  • Tighten all MDAs
  • Align Systems
  • Build Your Full $1M Team
  • Start inching away from the day to day
  • Reduced private access

Year

Three

  • Scale your traffic sources (+PR)
  • Scale your systems and automation
  • Scale your support
  • Build your legacy suite
  • Working less, bigger focus and vision
  • Deepen Leadership skills

FROM AN IDEA TO $1,000,000 (INCLUDING OUR FIRST EVER NEARLY $100,000 MONTH) IN 3 YEARS WORKING WITH DARNYELLE”

“Before hiring Darnyelle, we had an idea to capitalize on our expertise in the form of consulting. Due to Darnyelle’s insight, strategy and coaching, that idea became a solid six figure business in just one year. We upgraded to the highest level of access to Darnyelle and we’ve watched our revenues grow to more than $1,000,000 (including our first ever nearly $100,000 month)! Today, we have employees, a growing brand and a true business. Every time Darnyelle gives us a strategy, we make more money. We’ve even had a nearly $100,000 month! If you’re ready to turn your idea into income and a business that serves you, you need to hire Darnyelle, period.”

KIMBERLY BROOMER & SHAYVETTE HUNTER

KEEP SELLING PROPERTY

"I GREW MY BUSINESS TO $1.5 MILLION WITH DARNYELLE'S HELP!"

“Before working with Darnyelle, I was enjoying the fruits of running a ½ million dollar business. I’m good at what I do and I help my clients get great results. In working with Darnyelle, I realized what was missing: I struggled with the mindsets that kept me getting out of my own way long enough to create a plan and take massive actions in my business. Just a month or so into my work with Darnyelle, I experienced a massive shift mentally and got into action. As a result, I built my pipeline to more than $40,000,000 and grew my revenue to $1,500,000! I’ve worked with other coaches who didn’t really understand business and so working with Darnyelle has been so refreshing. My business is on a trajectory of growth, my mindset is focused on abundance and I am just getting started. If you’re ready to up-level your mindset, business acumen and results, you should be working with Darnyelle.”

SHEYLA BLACKMAN

ITMC SOLUTIONS & GOVERNMENT CONTRACTOR COACH

"200% GROWTH 2 YEARS IN A ROW"

“It’s been an amazing experience working with Darnyelle! In my first year I grew from $100,000 to $250,000, and in this second year, I’ve grown my business to a million with her guidance and support! I even had my first-ever $100,000 month by working with Darnyelle. And, my business is profitable! You can’t tell me that she isn’t brilliant. She knows and teaches real business. As an attorney, her strategies are just as powerful for me as they are for her other clients and I’m loving every minute of what we have built together.

Why should you hire Darnyelle? That’s easy… when people come into her space, they make more money PLUS increase their confidence, commitment and community. She is incredible and I am so grateful that I made the investment.”

NANCY GREENE

NDG LAW

TRIPLED MY BUSINESS IN THE MOVE TO MILLIONS MASTERMIND”

“Before earning with Darnyelle I was stuck at $250,000 as a result of being in the mastermind and working directly with Darnyelle and team I’ve more than tripled my business. Every time I work with Darnyelle and her team, I emerge as a better woman, leader and CEO.”

JASMINE VIALIZ

INTEGRATED PRACTICE SOLUTIONS

“I’ve made the Move to Millions with the help of Darnyelle and Team IFU”

“Before working with Darnyelle I had a solid multiple six figure business and I knew that millions were on the horizon for me. Crossing the million dollar mark wouldn’t have been possible without Darnyelle and the IFU Coaching team. From the moment I’ve stepped into this powerful community, I’ve been up leveled in so many ways. With the teams help we experienced a $300,000 launch right away and went on to host my first event and generate $620,000 in three days! I’ve hired full time employees and am consistently stepping up my CEO leadership game. Their input has been both invaluable and immeasurable. The coaching, community and safe space Darnyelle creates is unmatched. I’m so grateful.

ERICA JORDAN THOMAS, PHD

CEO, GET LAUNCHED CONSULTING

“I TOOK A MONTH OFF AND STILL made the move to millions!

“Being part of the Move to Millions Mastermind has been amazing! Before working with IFU, I was at $250,000 but was just an entrepreneur. Darnyelle and the team shifted me to CEO – I’m building my team, stepping fully into being the CEO and we just had our first million dollar year! In fact, we celebrated our best quarter ever and hit this milestone while I was away from the business and my team didn’t miss a beat! I highly recommend this mastermind if you want to truly build a company that impacts and generates millions and shows you how to have time for yourself and what matters most.”

ALTHEA HEARST

CEO, HEARST HOME TEAM

The Move To Millions Mastermind Is For You If :

If you are vigorously nodding your head “yes” and you’re ready to spend quality time with spirit-filled big thinkers, risk takers, and action-producing thought leaders as you deepen your connection to God and strengthen your faith...

Welcome Home

(it's different here)

“I'VE GOT A THRIVING ½ MILLION DOLLAR BUSINESS THANKS TO DARNYELLE.”

“I’ve been working with Darnyelle for two years at this point and when I first met her, I was a mess! Charging too low, unorganized, fearful and unclear how I could really make the kind of money I desire in my business. Since hiring Darnyelle, I’ve stepped into my place as a high end designer, charging five and six figures for my design work and no shortage of clients. I’ve more than doubled my business and I am just getting started. Because Darnyelle is a strategist she helps me think high level and offers insights and actions that move the needle in my business. Now I have a team supporting me! I’m not a solopreneur anymore! But the change in me is much more than the money I’ve earned. I’m confident, I’m clear and I’m building a team to support my business – none of which would have happened had it not been for Darnyelle coming into my life. I’m beyond grateful and forever changed. Darnyelle is so much more than a business coach/consultant. She’s a life changer. If you want to change your life (and grow your business in the process) hire Darnyelle. You’re worth the investment!”

KIM KENDALL

KIM KENDALL INTERIORS

74K SALES INCREASE IN JUST ONE QUARTER OF BEING IN IFU!”

“After 4 years, I finally took the leap to join IFU. Fear kept me from taking the leap to experience my NEXT LEVEL Everything. However on New Year’s Day, I reached out to Darnyelle after a Clubhouse session and said “I’m ready to get going!”

Before working with Darnyelle, I was already running a successful business with “decent” months but I had NEVER created a 6-figure quarter. Within 90 days of becoming a client, my sales increased $74K (191%) over the prior year same period. I had struggled with getting my ideal clients at higher rates on my own. In less than 75 days of joining IFU, I closed my first 7-figure client! I attribute this success to listening and taking action immediately. Darnyelle and her team shared areas for improvement and I worked on implementing the recommendations – changing my messaging to attract my ideal paying clients, releasing fear, and shifting my mindset (beliefs).

Every successful business owner needs a leader, coach and mentor. If you’re serious about changing the trajectory of your business and living the life of a CEO, then I encourage you to have a discussion with Darnyelle. The investment is worth the outcome!”

DR. COZETTE M. WHITE

MY FINANCIAL HOME ENTERPRISES

“I HAVE GROWN INTO A SOLID MULTIPLE SIX-FIGURE BUSINESS!”

“Before working with Darnyelle, I was an attorney new to private practice and I was making my way with early success. I knew that I would need help to get to my next level. I was not clear how to position my brand and create a marketing message and strategy that would allow me to work with my ideal clients and build a professional speaking career.

In the two years I have been working with Darnyelle, I have grown my business into a solid multiple six-figure business. I’m closing clients at higher rates and building a powerful team to support me. Working with Darnyelle is about so much more than my business growth, she’s changing my life in every way. I love everything about IFU. If you are an attorney or small business owner who feels that you don’t need help with branding and marketing, you are wrong. You need an expert like Darnyelle to show you exactly how to get out there in a way that allows you leverage to serve more clients and earn more income in your industry.”

LAKISHA N. DEAN, ESQ.

LAW OFFICES OF LAKISHA DEAN

 Access the proven formula to scale your business with a community of high achieving, like-minded service-based entrepreneurs who are incredibly focused on shaking the planet and strutting in significance. The Move to Millions isn’t about launching constantly and working harder; it’s about alignment, systems, grace and ease, leadership and consistent growth on your own terms.

MY BIGGEST YEAR WITHOUT THE GUILT!”

“I can’t say enough about the support from Incredible Factor University. Even though I have a team of people around me, that’s totally different from having a support network of other entrepreneurs around me, as well as a mentor and coaches who are guiding me throughout my business journey.

I’m now able to make time for myself without the guilt. When we’re passionate about what we do, it’s easy to get consumed with work. I’m finally able to take time off (ie. vacation with kids) without slaving to my business. Even though last year was my biggest year to date, I actually did more in the way of taking care of myself and spending time with my kids that I hadn’t done in the years prior.”

DR. PAMELA ELLIS

COMPASS EDUCATION

“I’VE DOUBLED MY BUSINESS IN THE MOVE TO MILLIONS MASTERMIND”

“This is the BEST, most life-changing community I have ever been a part of. Before working with Darnyelle, my business was already successful but I knew that there was more success waiting for me. I’ve seen power shifts in every area of my life. And if that’s not enough,  my first ever 3-day event generated $305,000 in sales!  In 3 days I made more than I did all of last year.  Working with Darnyelle has been a life and game changer for me.  If you’re desiring to grow your six figure business toward the million dollar mark, you need the Move to Millions Mastermind!

Dr Shamieka Dean

“WORKING WITH DARNYELLE AND TEAM HAS BEEN INSTRUMENTAL IN MY BUSINESS GROWTH”

“Before working with Darnyelle, I already had a business that I was proud of.  I knew that more was available for me to get to my next level. Darnyelle is the GOAT! She’s helped me grow my business, hold profitable events and step into the role of CEO for my company. In working with her, I’ve more than quadrupled my revenue and over two years, her coaching and insights have assisted me in making more than a million dollars in sales and revenue. I’m forever grateful for Darnyelle in my life and business.”

Jasmine Womack

STORYTELLING COACH AND SPEAKER

With our team of strategic advisors, you'll

  • Navigate the millions messy middle
  • Nail your STREAMLINED strategy (packaging, pricing, positioning, promoting)
  • Master your chosen sales tool (think leveraging your sales so you close more clients at one time)
  • Add multiple 6 & 7 figures to your bottom line
  • Build the right team, the right way
  • Build the right business infrastructure and streamline your systems
  • Work on YOU, the Whole CEO
  • Become a leader that impacts and inspires
  • Have a million-dollar business AND become a millionaire

To Move to Millions, you need:

  • The right strategy that is simple, sustainable and scalable
  • The right sales suite to create large cash injections quickly in your business so that scaling and building your team is EASY
  • Easy to implement tools for systems and support
  • Access to the right strategists and coaches every week
  • Full circle support and accountability
  • Mastery of the spiritual principles that govern your abundance

This Mastermind DELIVERS Everything You Need to Move to Millions in the Next 12-36 Months.

“I CLOSED A $250,000+ CLIENT WITH DARNYELLE'S HELP!”

“Before becoming an Incredible Factor University client and working with Darnyelle, I was a great speaker but I was not a well paid one. Darnyelle showed me how to monetize my message. What I continue to be impressed by is the fact that Darnyelle’s not just a marketing coach, she’s a proven business leader who understands business and teaches others, including me, how to build viable businesses.

Her expertise has changed my life in so many ways. in addition to showing me how to monetize my message to make more money speaking, she helped me understand my value. With her help, I closed a multi-six figure client. I’m forever up-leveled! If you want to make more money, come into Darnyelle’s space, she does after all grow businesses, period.”

STAR BOBATOON

STAR CONSULTING, LLC

“I've made the Move to Millions with The help of IFU”

“Before working with Darnyelle and the IFU coaching team I was doing well in my business.  Within this community, now I am doing amazing things.  I love it here.  The community, the coaching and the support is top-notched.  In one year in the Mastermind, I made the move to millions and this community is the reason. The content, coaching and guidance is unparalleled. 

And access to the Leverage & Scale Enrollment Events course was a true game changer to produce my first live event and more than $500,000 in sales.

CRYSTAL PERKINS

“I CLOSED MY FIRST $100K CASH WEEK IN THE MOVE TO MILLIONS MASTERMIND!”

“I was proud of my business before coming to work with Darnyelle and team. Since being here, I have had so many successes! This community is everything. I am tightening my offers, messaging and sales. I just had my first ever $100,000 WEEK. Week and I doubled my business in my first year enrolled to $500K! This is only the beginning. Every call, every strategy is shifting the way I grow my company to the million dollar mark.”

JAYDEN DOYE

PRESTIGE ACCOUNTING

With the help of this powerful mastermind and community, you’ll set up your… Million Dollar Strategy, Million Dollar Sales Tools, Million Dollar Systems and Million Dollar Support while constantly elevating your Million Dollar Mindset

“$200,000 IN 14 DAYS WITH THE HELP OF DARNYELLE & IFU”

“Before working with Darnyelle, I was limping along trying to hit my first ever $100K month. Because I am enrolled in the Move to Millions Mastermind, I had access to Darnyelle and her brilliant strategies and as a result, I grew my business to the $500,000 mark in one year! Every time I walk into a room inside of this community, I walk away with more money in my bank account. I still can’t believe that I DOUBLED my former salary as a pharmacist in just 14 days!”

RACHEL GAINSBRUGH

CEO, SHORT TERM GEMS

“I CLOSED MY FIRST $100K CLIENT WITH DARNYELLE'S HELP!”

“Before working with Darnyelle, my real estate brokerage was doing well but I knew that I should be making way more in my business. As a real estate agent, I wasn’t sure if I could make money outside of my industry until Darnyelle helped me create my coaching offer suite. I just closed my first $100,000 coaching client! You need to get into this mastermind. I am renewing for my second year – it’s been too good to walk away!”

KEIRA INGRAM

THE REAL ESTATE QUEENPIN

This program boasts a life changing encounter with the Incredible Factor University coaching team, which includes award-winning spiritual business coach and strategist, Dr. Darnyelle Jervey Harmon plus a group of talented coaches in every specialty you need AND your multiple six figure advancing entrepreneur peers.

Our business scaling program is filled with planet-shaking business owners, many of whom who hold advanced degrees and designations (MD, PhD, JD, CPA, etc.), profitably impacting the world in their own right.
The program is backed by a safe space for purpose-driven entrepreneurs to become all that God has ALREADY approved them to be in every area of their life – you’ll be a better version of yourself, a better spouse, parent, leader AND, you’ll be supported to BECOME all of that while building a business that shakes the planet and profitably impacts the world! This program is about REAL Business growth as you take your place as the CEO of a company while experiencing personal fulfillment at every turn.

Part of the reason our clients are so successful is because we don’t just appeal to the entrepreneur in you, we appeal to the faith-based, purpose-filled, mission-driven spouse, parent and spiritual being you are… And that means that you’ll become the best version of yourself while you welcome Next Level Everything™ into your life experience.

TO BEGIN THE PROCESS OF BECOMING A MOVE TO MILLIONS MASTERMIND CLIENT,

Meet your lead Move to Millions Coach and Millionaire CEO Mentor

Dr. Darnyelle Jervey Harmon is the CEO of Incredible One Enterprises, LLC, a multi-million dollar coaching and consulting brand. Best known for transforming the lives of her business coaching clients, Darnyelle equips her clients to leverage and scale businesses that serve them financially and spiritually. From mindset to messaging, marketing, sales, systems and scale, Darnyelle can take you from six figures to seven figures in record time all while deepening your connection to God and strengthening your faith.

DR. DARNYELLE JERVEY HARMON

Darnyelle is an award-winning CEO, speaker, consultant and strategist whose work has been featured in Essence, Success, Black Enterprise and O Magazines. She is a best-selling author with 7 books to her credit, including her latest projects Burn the Box: 7 Fire Starter Strategies Leaders Can Leverage and Market Like a R.O.C.K. Star. In 2012, she was named Coach of the Year by Stiletto Woman Media and in 2013, she was recognized as a Small Business Champion by Small Business Trends. In 2018, she was awarded the Women Presidents Organization’s Women of Color Excellence Award and she joined the $1MM class of Enterprising Women of the Year. In 2019, Darnyelle was named the Black CEO of the Year and was a finalist for the eWomenNetwork Made It to a Million Award. In 2021, she was awarded with an honorary doctorate in entrepreneurship.  In 2022, her company was recognized as a fastest growing company by Inc. 5000 in the 1209th place.  

Darnyelle has a Bachelor of Arts degree from the University of Delaware, a Masters of Business Administration from Goldey Beacom College, a Kolbe Specialist Certification from the Kolbe Corporation, an Executive Coaching Certification from the Center for Executive Coaching and a prophetic anointing from God.


Legal and Financial Disclaimer: Our Programs, Products, Services, and Program Materials are not to be perceived or relied upon in any way as business, financial or legal advice. The information provided through our Programs, Products, Services, and Program Materials is not intended to be a substitute for professional advice that can be provided by your own accountant, lawyer, or financial advisor. We are not giving financial or legal advice in any way. You are hereby advised to consult with your own accountant, lawyer or financial advisor for any and all questions and concerns you have regarding your own income and taxes pertaining to your specific financial and/or legal situation. You agree that we are not responsible for your earnings, the success or failure of your business decisions, the increase or decrease of your finances or income level, or any other result of any kind that you may have as a result of information presented to you through our Programs, Products, Services, and Program Materials. You are solely responsible for your results.

Earnings Disclaimer: You acknowledge that we have not and do not make any representations as to the health physical, mental, emotional, spiritual or health benefits, future income, expenses, sales volume or potential profitability or loss of any kind that may be derived as a result of your participation in this Program, Product, Services or Program Materials. We cannot and do not guarantee that you will attain a particular result, positive or negative, financial or otherwise, through the use of our Programs, Products, Services and Program Materials and you accept and understand that results differ for each individual. We also expressly disclaim responsibility in any way for the choices, actions, results, use, misuse or non-use of the information provided or obtained through any of our Programs, Products, Services or Program Materials. You agree that your results are strictly your own and we are not liable or responsible in any way for your results. Participant accepts and agrees that he/she is fully responsible for his/her progress and results and that Company offers no representations, warranties or guarantees verbally or in writing regarding Participant’s future earnings, business profits, marketing performance, customer growth, or results of any kind. The Company does not guarantee that Participant will achieve any results using any of the ideas, tools, strategies or recommendations presented at the Program, and nothing in the Program is a promise or guarantee to Participant of such results. Any examples of income earned by others or testimonials about this Program are not meant as a promise or guarantee of Participant’s own earnings or success. You understand that with any business endeavor there is an inherent risk, including a loss of capital and loss of customers and therefore you assume all responsibility for any such risk.