The terms and conditions written out on this page are in subject to the writers un researched opinions and hold no absolute facts. The writer of this page used information based solely on his assumed opinion. This information given is written for the purposes of informing the reader of the possibilities of gifting and to also offer a strategy to do so. This information in no ways makes any promises and has no absolutes in the outcome of any individual getting involved. Any individual getting involved in this program is getting involved by their own merit and understand that this is a gifting program . The outcome of this program is based on the individual that gets involved and the effort by which he or she use the program to receive any gifts. This site is showing an example of what could be a result of getting involved, but does not give any absolute results. Any individual getting involved in this program understand that he or she is responsible for any and all taxes due on any and all gifts received. The writer of this page is not responsible for any individual that make a decision based on his opinion. Most of the money given in this program is sent in the form of a gift and there is nothing to be expected of the recipient of the gift. The other money given is for the cost of using a third party to distribute the gifts. There will not be any extra money collected by the program director or any other person other than what was shown in the web page. Every transaction on this web site will be made thru a third party site which has it's own terms and conditions and every individual is subject to the terms and conditions of that site. All gift amounts are based on the remaining balance of the initial cost of using the third party site to process the transaction. All gift amounts are subject to change without notice. The writer and or the site 20toamillion.com or 20tomillon.com or any other websites affiliated with this website are not responsible for any third party websites that is a link to the site it self. The results shown are not guaranteed and may not be typical. All participants agree that they are 18 years of age or older. The owner of this site, or the site itself is not responsible for any lost money due to the results of any individual that gets involved .