DISCLAIMER: The information, procedures, suggestions and forecasts contained in all Penny Kelly podcasts or videos are not meant to take the place of a diagnosis, physician, financial advisor or professional advice. They are for educational purposes only. All use of the information presented is at your own discretion. Neither Penny Kelly, Kelly Networks LLC or any of her associates will be held liable for any injury, damage, or loss (financial or otherwise) as a result of the information contained in all Penny Kelly podcasts or videos.