OUR PROGRAM TERMS & CONDITIONS.

Please read these Terms of Use and Privacy Policy carefully before purchasing, accessing or using our Programs, Products and Services.

Terms of Use

Our Programs, Products and Services are owned and operated by Susan Ferraro, (“Company”, “we”, or “us”). The term “you” refers to the user or purchaser and/or user of any of our Programs, Products and/or Services.

These Terms of Use for Programs Products and Services (“Terms of Use”) set forth how you may use our Programs, Products and Services and their content.

Please read these Terms of Use carefully. We reserve the right to change these Terms of Use from time to time, and by using any of our Programs, Products and Services you are agreeing to the Terms of Use as they appear and are legally bound by them, whether or not you have read them. If at any time you do not agree with these terms, please do not use our Programs, Products and Services.

Program Use and Consent

By purchasing or using any of our Programs, Products or Services, you are subject to these Terms of Use as well as our Disclaimer , Terms and Conditions and Privacy Policy, and any other terms and conditions that may apply to our Programs, Products and Services available through our Website, or otherwise from us, and are you are required to act in accordance with them. Accessing our Programs, Products or Services, in any manner, whether automated or otherwise, constitutes use of the Program, Products and Services, and the Website, and your agreement to be bound by these Terms of Use.

All of our Programs, Products and Services are intended solely for users who are eighteen (18) years of age or older. Any registration by, use of or access to any Program, Product or Service or our Website by anyone under age 18 is unauthorized, unlicensed and in violation of these Terms of Use. By accessing or using our Programs, Products, or Services or our Website, you represent and warrant that you are 18 years or older and that you agree to and to abide by all of our Terms of Use.

We try to ensure that our Program, Product and Service availability is uninterrupted and that our content and communications including our Website, member forum, private group page, e-mail communications, Skype calls, videos, audio recordings, webinars, recorded webinars, teleseminars, recorded teleseminars, emails, downloadable Mp3 audio files, podcasts, downloadable PDF printed transcripts, downloadable PDF handouts/slides, handouts, quizzes, ebooks, and books, as applicable, or any other materials provided by us to you (collectively “Program Materials”) will be will be error-free. However, we cannot guarantee that your access will not be suspended or restricted from time to time, including to allow for repairs, maintenance or the introduction of new services, although, of course, we will try to limit the frequency and duration of any suspension or restriction.

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and Program Materials in connection with our Programs, Products or Services for any particular purpose.

 

Every effort has been made to present you with the most accurate, up-to-date information, but because the nature of scientific research is constantly evolving, we cannot be held responsible or accountable for the accuracy of our content. You acknowledge that such information and Program Materials may contain inaccuracies or errors and we are not liable for any such inaccuracies or errors to the fullest extent permitted by law.

Additionally, we are not responsible for the views, opinions, or accuracy of facts provided by external resources referenced in our Programs, Products or Services or in any of our courses, classes, or materials. We assume no responsibility for errors or omissions in the Program, Product or Service you are using, or in documents referenced by or linked to the Program, Product or Service.

Intellectual Property Rights

 

Our Limited License to You. Our Programs, Products, and Services and all the materials available through it are our property and/or our affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws.

The content in our Programs, Products and Services is solely owned by or licensed to us, unless otherwise indicated. This content includes, but is not limited to, the design, layout, look, appearance, graphics of our Program Materials or any other materials provided by us to you. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these Terms of Use.

 

If you purchase or access any of our Program Materials through our Programs, Products or Services, you will be considered our Licensee. For the avoidance of doubt, all content obtained through us is our property, and you are granted a revocable, non-transferable license for personal, non-commercial use only, limited to you only. This means that you may not use our Programs, Products or Services or the Program Materials in a manner that constitutes an infringement of our rights or in a manner that has not been authorized by us.

You are being granted a limited license to use our Program Materials with permission and restrictions. This means that when you purchase a Program, Product or Services from our Website or otherwise, you are purchasing the limited right to use the Program Materials in the form that is provided by us to you with certain conditions as specified in these Terms of Use.

Information You Are Allowed to Use. You are being granted a limited license to use our Program Materials with permission and restrictions. This means that when you purchase a Program, Product or Services from our Website or otherwise, you are purchasing the limited right to use the Program Materials in the form that is provided by us to you with certain conditions as specified in these Terms of Use.

You are permitted to use our Programs, Products, Services and Program Materials as follows:

You are permitted to download and/or print free resources from our Website or e-mail correspondence, e-newsletters, or other publicly shared information that are NOT a part of any paid Program or Service for your own personal or business use, but only provided that you give us credit by name, keep intact all copyright and other proprietary notices and, if used electronically, you must include the link back to the Website page(s) from which the information was obtained, and provided that you are not using in any way for a paid program or service.

However, you may NOT use our Programs, Products or Services, the materials available on or through them, or this Website in a manner that constitutes an infringement of our rights or in a manner that has not been authorized by us through our prior written consent.

Any trademarks, taglines, and logos displayed on Program Materials are trademarks belonging to us. All trademarks reproduced in this Website, which are not the property of, or licensed to us, are acknowledged on the Website. Any use including framing, meta tags or other text utilizing these trademarks, or other trademarks displayed, is strictly prohibited without our express written consent, or permission granted herein.

For those trademarks, taglines, and logos for which you are granted permission to use, the trademark indicia must be included at all times. Any marketing or promotional tools and/or Program, Product or Service titles or any other title or information of ours bearing the trademark symbols (™) or ® may not be used by you for any reason without our express written permission.

All rights not expressly granted in these terms or any express written license, are reserved by us.

Information You Are Prohibited from Sharing with Others.  As a Licensee, you understand and acknowledge that the information and Program Materials obtained in or through our Program, Product or Services has been created, developed or obtained by us through the investment of significant time, effort and expense, and that this information is a valuable, special and unique asset of ours which needs to be protected from improper and/or unauthorized use.

When you enroll in or purchase our Programs, Products or Services, you expressly agree that you will not steal our Program Materials or their content, or share them, in whole or in part, with any other person without our express written permission.

You agree that you are NOT allowed and you are clearly and expressly prohibited from doing the following:

You may not duplicate, share, trade, sell, or otherwise distribute any Program Materials or any other information obtained in or through our Programs, Products or Services to any other person, for their personal, commercial or business use, in whole or in part, whether it was known to you or not at the time that you shared the information that their intention was to use the Program Materials for their own personal or professional use. This means you cannot sell any of our Programs, Products, Services, or Program Materials to someone else so they can copy and/or use them for their own business use, or use them in your own business with your clients. YOU are the only one granted a limited license to use the Program Materials for your own personal use.

You are not permitted to reprint or republish any other of our Program Materials, including handouts, for resale or mass reproduction purposes for your own business use.  

You may not violate our intellectual property rights, including copyright and trademark rights.  By downloading, printing, or otherwise using the material from this Program for your own training purposes in no way gives you any copyright, trademark or ownership rights of the material contained in the Program Materials.

You may not in any way use, copy, adapt or represent any of our Program Materials in any way as if they are yours or created by you.

You may not engage in improper and/or unauthorized use of our Program Materials or any other information related to our Programs, Products, or Services. Unless otherwise explicitly authorized in these Terms of Use, improper and/or unauthorized use includes but is not limited to modifying, copying, reproducing, republishing, uploading, posting, transmitting, translating, selling, creating derivative works, exploiting, or distributing in any manner or medium (including by email or other electronic means) for commercial use, to any other person in a way that earns them money, any Program Materials or any other information accessed or purchased through our Programs, Products or Services or any other communications provided by us to you.

Engaging in the prohibited use or the improper and/or unauthorized use of our Programs, Products or Services or this Website as set forth in these Terms of Use is considered theft and stealing and we retain the right to prosecute theft to the full extent of the law. You agree and understand that prohibited use, improper and/or unauthorized use may give rise to a claim for damages and/or be a criminal offense.

All rights not expressly granted in these terms or any express written license, are reserved by us.

Links to External Websites or Use of Social Media.  From time to time our Website may also include links to other websites or to social media sites. These links are provided for your convenience to provide further information and to allow you to visit other third party website(s) of interest easily. In no way are we formally endorsing these third party websites in any way.

You should exercise caution and look at the privacy statement of the third party website or social media sites you are visiting or using. Once you have used these links to leave our Website, you should note that we do not have any control over that other third party website or social media. We bear no responsibility for the content of the linked website(s) or social media websites and we accept no liability for any of the views, facts, opinions, or references used therein whatsoever. Content on a third party website may express a perspective which may or may not necessarily reflect our views and we are not liable in any way for their correctness, accuracy, timeliness, reliability or otherwise, or lack thereof.

Your License to Us. By posting or submitting any material (including, without limitation, comments, e-mail communications, Website submissions) to us through our Program, Product or Services, our Website, you are representing: (i) that you are the owner of the material, or are making your posting or submission with the express consent of the owner of the material; and (ii) that you are eighteen (18) years of age or older.

In addition, when you submit or post any material in any way affiliated with our Program, Product, or Services, you are granting us, and anyone authorized by us, a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such material, in whole or in part, in any manner or medium, now known or hereafter developed, for any purpose. The foregoing grant includes the right to exploit any proprietary rights in such posting of submission, including, but not limited to, your right under copyright, trademark, Services mark or patent laws under any relevant jurisdiction.

By participating in our Programs, Products and Services, you consent to photographs, videos, and/or audio recordings that may be made that may contain you, your voice and/or your likeness. In our sole discretion, we reserve the right to use these photographs, videos, and or/audio recordings and/or any other materials submitted by you to us in connection with your participation in our Program, Product or Services in our current or future Programs, Products or Services, and/or our marketing or promotional efforts, without compensation to you at any time, now or at any time in the future.

Also, in connection with the exercise of such rights, you grant us, and anyone authorized by us, the right to identify you as the author of any of your postings or submissions by name, email address, or screen name, as we deem appropriate.

You acknowledge that we have the right but not the obligation to use and display any postings or contributions of any kind and that we may elect to cease the use and display of any such materials (or any portion thereof), at any time, for any reason whatsoever.

Security

When you apply for, enroll in, purchase or use our Programs, Products or Services, we may seek and collect personal data and information including but not limited to your name, e-mail address, phone number, billing information, job title, employment information, medical information, financial information, demographic information, preferences, interests, or other personally-identifying information (“Confidential Information”).

By providing such Confidential Information to us, you grant us permission to use and store such Confidential Information.  We, in turn, will use our best efforts to keep your Confidential Information safe, secure and confidential. We take precautions to protect such Confidential Information. When you submit Confidential Information via the Program, Product or Service, we take measures to protect the security of your Confidential Information both online and offline.

However, due to the nature of the Internet, we cannot completely ensure or warrant the security of your Confidential Information or of any other data or information transmitted to us or through our services; therefore submitting Confidential Information, data or other information is done at your own risk.

We have security measures in place to prevent the loss, misuse, and alteration of the information that is obtained from you, but we make no assurances about our ability to prevent any such loss, misuse, to you or to any third party arising out of any such loss, misuse, or alteration.

Personal Responsibility and Assumption of Risk

As a Licensee, you agree that you are using your own judgment in using the Program Materials and information provided on and through this Program, Product or Service, which is done at your own risk. You acknowledge that you take full responsibility for your life and well-being, as well as the lives and well-being of your family and children (where applicable), for all decisions made during and after this Program, Product or Service. We have used care in preparing the Program Materials and any other information provided to you, but all of our Program Materials and information is made available to you as self-help tools for your use, and for informational and educational purposes only. You accept full responsibility for the results, and expressly assume the risks, of the Program for your use, or non-use, of the Program Materials or other information provided by us to you. You also fully understand that you are expressly assuming all of the risks of the Program, Product or Service, regardless of whether such risks were created or exacerbated by the Program.

 

Disclaimer

Your use of any information or materials through our Programs, Products or Services accessible on or through this Website or otherwise is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to discern the risks of using any of our Programs, Products or Services. You assume responsibility for your choices, actions, use or non-use of any of the information in our Programs, Products and Services, and you acknowledge that you are using, or not using, a Program, Product or Service at your own risk.

You are aware and agree that nothing contained in the Program, Product or Service or on this Website is intended to be medical advice, nor is it intended to replace any medical advice that can be provided by your own primary physician or other health care provider. You always should seek the advice of your physician, mental health provider, or another qualified health care provider regarding any specific medical condition pertaining to you. If you are under the care of a doctor or health care provider or currently use prescription medications, you should discuss any changes to your food, exercise or lifestyle with your current health care provider, and not discontinue any prescription medications without first consulting that health care provider. You have voluntarily chosen to purchase and/or use this Program, Product or Service and you understand that the information received is not meant in any way to take the place of your relationship with your current health care provider.

You acknowledge that we are providing mindset coaching for educational and informational purposes only and it is not to be construed as financial or legal advice.  For questions regarding your own financial or legal situation, we recommend that you seek the advice of your own accountant and lawyer.

You acknowledge that we have not and do not make any representations as to the health physical, mental, emotional, spiritual or health benefits, future income, expenses, sales volume or potential profitability or loss of any kind that may be derived as a result of your participation in this Program, Product or Services. You agree that you are personally responsible for your results, and that while I serve as your coach, your success depends primarily on your own effort, motivation, commitment and follow-through.

We cannot and do not guarantee that you will attain a particular result through the use of our Programs, Products and Services, and you accept and understand that results differ for each individual. We also expressly disclaim responsibility in any way for the choices, actions, results, use or non-use of the information provided or obtained through any of our Programs, Products or Services.

THE INFORMATION IN THE PROGRAMS, PRODUCTS AND SERVICES AND PROGRAM MATERIALS AND ANY THIRD-PARTY WEBSITES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. WE MAKE NO WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, AS TO THE ACCURACY, COMPLETENESS OR APPROPRIATENESS OF OUR PROGRAMS, PRODUCTS OR SERVICES OR PROGRAM MATERIALS FOR ANY PURPOSE.

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUR PROGRAMS, PRODUCTS OR SERVICES, PROGRAM MATERIALS,  OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THIS PROGRAM, PRODUCT OR SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE PROGRAM, PRODUCT OR SERVICES MATERIALS OR ON THIRD-PARTY WEBSITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

To the fullest extent permitted by law, we expressly exclude any liability for any direct, indirect or consequential loss or damage incurred by you in connection with this Program, Product or Services, including by your use or inability to use the Program Materials or any information obtained on or through the Program, Product or Services, any websites linked thereto, and/or any material posted on our Website, or in any other way through our Programs, Products or Services by us or by others, including without limitation any liability for any accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental disease, condition or issue, physical, mental, emotional, or spiritual injury or harm, loss of income or revenue, loss of business, loss of profits or contracts, anticipated savings, loss of data, loss of goodwill, wasted time and for any other loss or damage of any kind, however and whether caused by negligence, breach of contract, or otherwise, even if foreseeable.

By purchasing and/or using this Program, Product or Service, you also agreeing to our full Disclaimer which may be found on our website.

Limitation of Liability and Release of Claims

We will not be held responsible or liable in any way for the information, products or materials that you request or receive through or on our Website, Programs, Products or Services.  In no event will we be liable to any party for any type of direct, indirect, special, incidental, equitable or consequential damages for any use of or reliance on our Website, Programs and Services, or on those affiliated with us in any way, and you hereby release us from any and all claims; including, without limitation, those related to lost profits, personal or business interruptions, personal injuries, accidents, misapplication of information, or any other loss, physical or mental disease, condition or issue, or otherwise, even if we are expressly advised of the possibility of such damages or difficulties.

We do not assume liability for accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental disease, condition or issue, or otherwise, due to any act or default of anyone or any business, whether owners, staff, agents, joint venture partners, contractors, vendors, affiliates or otherwise, or anyone affiliated with us.  We do not assume liability for any owners, staff, agents, joint venture partners, contractors, vendors, affiliates or otherwise who is engaged in rendering our Programs, Products or Services, or in any way, including but not limited to individual and/or group programs, classes, workshops, events, retreats, seminars, teleseminars, video conferences, coaching sessions, consultations, trainings, webinars, podcasts, or television/film/radio appearances, whether in-person, phone, or online, in any location. In the event that you use any information provided on or through our Website, Program, Products and Services by us or affiliated with us, we assume no responsibility.

You specifically acknowledge and agree that we are not liable for any defamatory, offensive or illegal conduct of any other Program, Product or Service participant or user, including but not limited to you and your clients (if applicable).

These Terms of Use require the use of arbitration on an individual basis to resolve disputes, rather than jury trials, and limit the remedies available to you in the event of a dispute. You fully understand and agree that by enrolling in, purchasing and/or using any of our Programs, Products or Services that you are waiving certain legal rights and you are voluntarily agreeing to do so.

Indemnification

You agree at all times to defend, indemnify and hold harmless the Company, our shareholders, directors, officers, employees, affiliates, successors, transferees, assignees or licensees and their respective parent and subsidiary companies, agents, associates, officers, directors, shareholders and employees of each from and against accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental disease, condition or issue and any and all claims, causes of action, damages, liabilities, costs and expenses, including legal fees and expenses, arising out of or related to our Programs, Products or Services as experienced by you, anyone affiliated in any way with your business, or any of your clients (if applicable), and/or your breach of any obligation, warranty, representation or covenant set forth in these Terms of Use and Privacy Policy.

Your Conduct

In addition to the ways outlined in this Terms of Use relating to the permitted use, prohibited use, and the improper and/or unauthorized use of our Programs, Products, and Services, and Program Materials, you may not use our Program, Product or Services, or any aspect related to it, in any of the following ways:

Sending, posting, using or adding in any way material or content that is illegal, offensive, abusive, indecent, harmful, defamatory, obscene or menacing, threatening, objectionable, invasive of privacy, in breach of confidence, or is otherwise injurious to third parties, including any material being used in any way and to any degree for racial vilification, sexism, ageism, religious intolerance, or in any other way to harm, offend, or disrespect any other person or cause them emotional and/or psychological harm.

Causing annoyance, inconvenience or needless anxiety in any way whatsoever.

Acting in any way with fraudulent purposes or in connection with a criminal offense or otherwise using any aspect of our Programs, Products or Services to carry out any unlawful activity.

Impersonating any third party; posting content to our Website or through our Programs, Products or Services on behalf of another person or permitting, enabling, inducing or encouraging any third party to post content for you; misleading as to the origin of your content as anything other than your own.

Sending, posting, using or adding in any way any material or content through our Programs, Products or Services which consists of or contains software viruses or any other harmful or similar computer code designed to adversely affect the operation of any computer software or hardware, commercial solicitation, chain letters, mass mailings or any spam; circumventing any technological measure implemented by us to restrict the manner in which content may be posted on our Website or to regulate the manner in which content (including but not limited to email) may be transmitted to others.

Using or causing our Programs, Products or Services, or our access to or delivery of our Programs, Products or Services to be interrupted, damaged or impaired in any way.

Reproducing, duplicating, copying or reselling any part of Program Materials or Programs, Products or Services, in whole or in part, in a way that infringes any of our intellectual property rights or that is in contravention with these Terms of Use or any other agreement with us in any way.

You understand that you are solely responsible for all electronic communications and content sent from your computer to us by you.

 

Communication Guidelines

If you need to contact us, you may send an e-mail to [email protected], understanding that you may be provided with only a laser coaching response or you may purchase a private session to discuss your questions more thoroughly.

Payment and Online Commerce

 

If paying by credit card, you give us permission and authorization to automatically charge your credit or debit card as payment for your Programs, Products, or Services for which you will receive an electronic receipt.

In the event that payment is not received by the date due, you will have a three (3) day grace period to make the payment otherwise the Program, Product or Services will not continue.

If you fail to make payment in a timely manner in accordance with these Terms of Use or voluntarily decide to withdraw from our Programs, Products or Services at any time or for any reason whatsoever, you still will remain fully responsible for the full cost of the Programs, Products and/or Services unless provided otherwise in our Refund Policy below.

When you purchase this Program, Product or Services, the information provided and obtained as part of the transaction, such as your credit card number and contact information, may be collected by both the third-party merchant and by us. A merchant may have privacy and data collection practices that are different from ours. We have no responsibility or liability for the merchant’s independent policies.

You agree to be financially responsible for all purchases made by you. You agree to purchase and use our Programs, Products or Services for legitimate purposes only in compliance with these Terms of Use. You also agree not to make any purchases for speculative, false or fraudulent purposes.

You release us and our affiliates from any damages that you incur, and agree not to assert any claims against us or them, arising from your purchase or use of our Programs, Products or Services.

You agree to only purchase these Programs, Products or Services for yourself or for another person for whom you are legally permitted to do so. When making a purchase for a third party that requires you to submit the third party’s personal or financial information to us or a merchant, you represent that you have obtained his/her consent to provide such third party’s personal information.

For more information regarding a merchant, its online store, its privacy policies, and/or any additional terms and conditions that may apply, visit that merchant’s website and click on its information links or contact the merchant directly.

REFUND POLICY

Your satisfaction with your Program, Product or Service is important to us. Yet, because of the nature of a digital product, as well as, the extensive time, effort, preparation and care that goes into creating and/or providing our Programs, Products and Services, you acknowledge that we offer limited refunds for our Programs, Products, and Services.

For the EASY PEASY LOA™ Program: We offer a peace of mind guarantee. We will gladly refund you 100% of your purchase price if you are unhappy with the Program within 7 days after the date of purchase.

I make it clear that EASY PEASY LOA™ doesn't work unless you do,

If you try the program for 7 days & you're not loving it, simply turn in your COMPLETED worksheets from the first step OWN IT - BEFORE Step #2 is released to you & you'll receive a refund. 

That gives you 1 week to test the first module & bonus.

This is a FIRM deadline as this is a digital course there will be no refunds after the second class

To request this refund you may submit an e-mail w/ your completed work to [email protected] explaining why and we will issue a refund of the purchase price for the Program.

All Terms of Use set forth herein, and all copyright, trademark, and intellectual property rights remain indefinitely, even after a refund is provided.

Termination

We reserve the right in our sole discretion to refuse or terminate your access to our Programs, Products, Services and/or our Program Materials, Website, e-mail communications, or any other method of communications related to our Programs, Products or Services at any time without notice. Should you or we wish to terminate the Programs, Products or Services at any time, these termination terms will apply to you as well, even after termination by either of us.

In the event of cancellation or termination, all remaining balances owed shall be immediately due, and you are no longer authorized to access the Programs, Products, Services or our Website, e-mail or any or other method of communications affected by such cancellation or termination. The restrictions imposed on you with respect to Program Materials and the Programs, Products or Services, including but not limited to all of the disclaimers, limitations of liabilities and rights set forth in these Terms of Use, shall survive such termination of your access and apply in full force.

Dispute Resolution

It is hoped that should we ever have any differences, we could be able to work them out amiably through a phone conversation or e-mail correspondence. However, should a dispute ever arise between us, we agree now that we will submit to binding arbitration before a single arbitrator, selected jointly, in accordance with the American Arbitration Association Rules. Any judgment on an arbitrator’s award, if made, is binding and may be entered into any court having the appropriate jurisdiction. Prior to seeking arbitration, you must submit your complaint to me via e-mail. You understand and agree now that the only remedy that can be awarded to you through arbitration is full refund of your Payment made to date. No award of consequential or of any other damages may be granted to you.

By signing this Agreement you are agreeing to a modification of the statute of limitations such that any arbitration must be commenced within one (1) year of the date of the act, omission, or other conduct complained of as submitted by you in e-mail, or shall otherwise be forfeited forever. You also agree that should arbitration take place, it will be held in Montgomery County, Pennsylvania and the prevailing party shall be entitled to all reasonable attorney’s fees and costs necessary to enforce the Agreement.

These Terms of Use and Privacy Policy and our Disclaimer shall be construed according to the laws of the State of Pennsylvania.

In the event of a dispute between us, you agree to not engage in any conduct or communications, public or private, including on social media, designed to disparage us, our Company, or any of our Programs, Products or Services. Where requested by law or arbitration, of course, you are not prohibited from sharing your thoughts and opinions as a part of the legal process.

If these Terms of Use and Privacy Policy or our Disclaimer, or any part therein, is construed to be invalid or unenforceable, it shall not affect the validity or enforceability remainder of this Terms of Use, Privacy Policy or Disclaimer  which shall be given full force and effect.

If you have any questions about any term of these Terms of Use please contact us [email protected]. Thank you.

Privacy Policy

By purchasing or using any of our Programs, Products or Services, you are subject to this Privacy Policy for Programs, Products and Services (“Privacy Policy”) as well as our Disclaimer, and any other Terms and Conditions or Privacy Policies that may apply to our Programs, Products and Services available through our Website, or otherwise from us, and are you are required to act in accordance with them.

This Privacy Policy sets forth how we use and protect any information that you give us when you use our Programs, Products or Services. We are committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this Program, Product or Services, then you can be assured that it will only be used in accordance with this Privacy Policy.

We may change this Privacy Policy from time to time. You should check this page from time to time to ensure that you have seen any changes as you are bound by them implicitly through your use of our Program, Products and Services.

 

Privacy Policy Consent

Use of the data that you provide to us, or which is collected by us on or through our Programs, Products or Services is governed by this Privacy Policy. By using or purchasing our Programs, Products or Services, you agree and consent to this Privacy Policy.

Submission, Storage and Sharing of Personal Data

What We Collect.  When you apply for, enroll in, purchase or use our Programs, Products or Services, we may seek and collect personal data and information including but not limited to your name, e-mail address, phone number, billing information, preferences, interests, opinions, or other personally-identifying information (“Confidential Information”). By providing such Confidential Information to us, you grant us permission to use and store such Confidential Information.  We, in turn, will use our best efforts to keep your Confidential Information safe, secure and confidential. If you believe that any of your Confidential Information is incorrect or incomplete, please contact us as soon as possible. We will promptly correct any Confidential Information found to be incorrect.

What We Do With the Information We Gather.  We request and require various personal data and/or Confidential Information to understand your needs and provide you with better services. In addition, we may use such data and Confidential Information for the following reasons: (1) for internal record keeping, (2) to improve our Programs, Products and Services, (3) to periodically send promotions about new Programs, Products or Services or other special offers from which you may unsubscribe at any time, (4) for aggregate, non-identifiable data for research purposes, and/or (5) to customize the respective Programs, Products or Services you purchase or use according to your interests.

 

Storage.  All data and Confidential Information is stored through a data management system. This data and Confidential Information can only be accessed by those who help manage that information in order to deliver e-mail or otherwise contact those who would like to receive our correspondence.  You agree and acknowledge that our Company, including but not limited to our team, staff, consultants, agents and affiliates, and those who manage the data management system may have access to your Confidential Information.

Confidentiality. All Confidential Information or any other information collected by us from you, including but not limited to personal identifying information, will be held in confidentiality and will not be disclosed to third parties, except that we may disclose Confidential Information and personally identifiable information: (1) pursuant to this terms of these Terms of Use and Privacy Policy and our Disclaimer, (2) if we are required to do so by law, (3) in the good-faith belief that such action is necessary to conform to the edicts of the law, (4) to comply with any legal process served on us, our partners, sponsors, investors, or affiliates, (5) to protect and defend our rights or property or those of our Company, users or clients and/or (6) to act as immediately necessary in order to protect the personal safety of our users or the public. We will not sell, distribute or lease your Confidential Information and/or personally identifying information to third parties unless we have your permission or are required by law to do so.

Viewing by Third Parties. Note that whenever you make your Confidential Information available for viewing by third parties through our Programs, Products or Services, such as on or through our Website or social media, your Confidential Information you share also can be seen, collected and used by third parties, and therefore, we cannot be responsible for any unauthorized third party use of such Confidential Information that you voluntarily share online or in any other manner.

How We Use Cookies.  A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular website. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Like most companies, we use traffic log cookies to identify which pages are being used. This helps us analyze data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of our current or future Program, Products or Services.

Passwords

To use certain features of our Programs, Products and Services, you may be issued a group username and password or a unique individual username and password, which you will receive through your registration and/or purchase process. You may or may not be able to change to username and/or password of your choosing. You are responsible for maintaining the confidentiality of the password and account, and are responsible for all activities (whether by you or by others) that occur under your password or account.

You are not permitted to share your username and/or password with anyone. If we learn you have shared your username and/or password with another person, we reserve the right to immediately terminate your access to the Program, Product or Service, Website and/or private Facebook group.

It is your responsibility to protect your own password from disclosure to others. We cannot and will not be liable for any loss or damage arising from your failure to protect your password or account information. You are responsible for activities that take place using your password(s) and within your account. If you share your password(s) with anyone, they may be able to obtain access to your personal information at your own risk.

You agree to notify us immediately of any unauthorized use of your password or account or any other breach of security, and to ensure that you exit from your account at the end of each session.

By using our Programs, Products and Services, you agree to enter true and accurate information as part of the registration, purchase process and otherwise. If you enter a false email address, we have the right to immediately inactivate your account.

We will use our best efforts to keep your password(s) private and will not otherwise share your password(s) without your consent, except as necessary when the law requires it or in the good faith belief that such action is necessary, particularly when disclosure is necessary to identify, contact or bring legal action against someone who may be causing injury to others or interfering with our rights or property.

If you have any questions about any term of this Privacy Policy, please contact us at [email protected]. Thank you.