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I agree that any and all information I get through Twiniversity and/or its affiliates should never replace that of my medical professional. Any options that are discussed in any Twiniversity online sessions, classes, videos, chats should NOT be taken as medical advice. I agree to discuss all medical options with my doctors before making any changes to my personal plan, based on anything I learn from Twiniversity. I agree that there are no refunds or exchanges and all sales are final. I can cancel my connection with Twiniversity at any time.