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hi I'm Michele welcome to finally revealed in this installment I want to talk to you about waiver what is a waiver a waiver it comes up sometimes in documents that can come up in times of documents with your bank they can come up when there are some types of claims that you're making and you're making a settlement but in general a waiver is there are several elements to a waiver and to be valid a waiver as a present relinquishment of a known right what that means is for you to waive a claim or for you to waive a right it has to be a right that you have now not something in the future that you might have but something that you have now so it's present it has to be knowing you so you have to know what it is that you're waiving and that should be clearly stated in the document before you sign it and then it has to be a right that you actually have so it's a present relinquishment means you're giving it up of a known right when you sign something and they're asking you to waive it sometim...