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All questions and materials (Materials) submitted to Wayne Sanford (Wayne the Credit Guy) become his property to displace on any of his By submitting Materials, you agree Wayne Sanford may, but is not obligated to, use the Materials in connection with any marketing done by his company. For privacy protection your name may be changed to protect your identity. Further, you warrant all Materials do not violate the right of privacy or publicity of, or constitute a defamation against, any person or entity; that the Materials will not infringe upon or violate the copyright or common law rights or any other rights of any person or entity; that there are and will be no encumbrances, liens, conditions or restrictions whatsoever upon or affecting such Materials; and that you are at least 18 years of age and the person depicted in the Materials. You agree to indemnify Wayne Sanford , and its affiliated companies, public relations, producers and broadcasters for all damages and expenses (including reasonable attorney's fees) arising out of any breach or failure of the warranties made herein.