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 [June Edward "The Massachusetts Medium"] understands that your privacy  is important to you. We are committed to protecting the privacy of your  personally-identifiable information as you use this website. This  Privacy Policy tells you how we protect and use information that we  gather from you. By using this website, you consent to the terms  described in the most recent version of this Privacy Policy. You should  also read our Terms of Use to understand the general rules about your  use of this website, and any additional terms that may apply when you  access particular services or materials on certain areas of this  website. “We,” “our” means [June Edward "The ] and its affiliates.  “You,” “your,” visitor,” or “user” means the individual accessing this  site.

PERSONAL AND NON-PERSONAL INFORMATION

Our Privacy Policy identifies how we treat your personal and non-personal information.

WHAT IS NON-PERSONAL INFORMATION AND HOW IS IT COLLECTED AND USED?

Non  personal information is information that cannot identify you. If you  visit this web site to read information, such as information about one  of our services, we may collect certain non-personal information about  you from your computer’s web browser. Because non-personal information  cannot identify you or be tied to you in any way, there are no  restrictions on the ways that we can use or share non-personal  information. What is personal information and how is it collected?  Personal information is information that identifies you as an  individual, such as your name, mailing address, e-mail address,  telephone number, and fax number. We may collect personal information  from you in a variety of ways: • When you send us an application or  other form • When you conduct a transaction with us, our affiliates, or  others • When we collect information about in you in support of a  transaction, such as credit card information • In some places on this  web site you have the opportunity to send us personal information about  yourself, to elect to receive particular information, to purchase access  to one of our products or services, or to participate in an activity.

ARE COOKIES OR OTHER TECHNOLOGIES USED TO COLLECT PERSONAL INFORMATION?

Yes,  we may use cookies and related technologies, such as web beacons, to  collect information on our web site. A cookie is a text file that is  placed on your hard disk by a web page server. Cookies cannot be used to  run programs or deliver viruses to your computer. Cookies are uniquely  assigned to you, and can only be read by a web server in the domain that  issued the cookie to you. One of the primary purposes of cookies is to  provide a convenience feature to save you time. The purpose of a cookie  is to tell the Web server that you have returned to a specific page. For  example, if you register with us, a cookie helps [JUNE EDWARD THE  MASSACHUSETTS MEDIUM] to recall your specific information on subsequent  visits. This simplifies the process of recording your personal  information, such as billing addresses, shipping addresses, and so on.  When you return to the same  website, the information (JUNE EDWARD THE  MASSACHUSETTS MEDIUM) you previously provided can be retrieved, so you  can easily use the features that you customized. A web beacon is a small  graphic image that allows the party that set the web beacon to monitor  and collect certain information about the viewer of the web page,  web-based document or e-mail message, such as the type of browser  requesting the web beacon, the IP address of the computer that the web  beacon is sent to and the time the web beacon was viewed. Web beacons  can be very small and invisible to the user, but, in general, any  electronic image viewed as part of a web page or e-mail, including HTML  based content, can act as a web beacon. We may use web beacons to count  visitors to the web pages on the web site or to monitor how our users  navigate the web site, and we may include web beacons in e-mail messages  in order to count how many messages sent were actually opened, acted  upon or forwarded.

Third party vendors also may  use cookies on our web site. For instance, we may contract with third  parties who will use cookies on our web site to track and analyze  anonymous usage and volume statistical information from our visitors and  members. Such information is shared externally only on an anonymous,  aggregated basis. These third parties use persistent cookies to help us  to improve the visitor experience, to manage our site content, and to  track visitor behavior. We may also contract with a third party to send  e-mail to our registered [users/members].

To help  measure and improve the effectiveness of our e-mail communications, the  third party sets cookies. All data collected by this third party on  behalf of [JUNE EDWARD THE MASSACHUSETTS MEDIUM] is used solely by or on  behalf of [JUNE EDWARD THE MASSACHUSETTS MEDIUM] and is shared  externally only on an anonymous, aggregated basis. From time to time we  may allow third parties to post advertisements on our web site, and  those third-party advertisements may include a cookie or web beacon  served by the third party. This Privacy Policy does not cover the use of  information collected from you by third party ad servers. We do not  control cookies in such third party ads, and you should check the  privacy policies of those advertisers and/or ad services to learn about  their use of cookies and other technology before linking to an ad. We  will not share your personal information with these companies, but these  companies may use information about your visits to this and other web  sites in order to provide advertisements on this site and other sites  about goods and services that may be of interest to you, and they may  share your personal information that you provide to them with others.

You  have the ability 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. If you choose to decline  cookies, you may not be able to fully experience the interactive  features of the [ JUNE EDWARD THE MASSACHUSETTS MEDIUM] websites you  visit.

HOW DOES (JUNE EDWARD THE MASSACHUSETTS MEDIUM ] USE PERSONAL INFORMATION?

[JUNE  EDWARD THE MASSACHUSETTS MEDIUM] may keep and use personal information  we collect from or about you to provide you with access to this web site  or other products or services, to respond to your requests, to bill you  for products/services you purchased, and to provide ongoing service and  support, to contact you with information that might be of interest to  you, including information about products and services of ours and of  others, or ask for your opinion about our products or the products of  others, for record keeping and analytical purposes and to research,  develop and improve programs, products, services and content.

Personal  information collected online may be combined with information you  provide to us through other sources We may also remove your personal  identifiers (your name, email address, social security number, etc). In  this case, you would no longer be identified as a single unique  individual. Once we have de-identified information, it is non-personal  information and we may treat it like other non-personal information.  Finally, we may use your personal information to protect our rights or  property, or to protect someone’s health, safety or welfare, and to  comply with a law or regulation, court order or other legal process.

DOES [JUNE EDWARD THE MASSACHUSETTS MEDIUM] SHARE PERSONAL INFORMATION WITH OTHERS?

We  will not share your personal information collected from this web site  with an unrelated third party without your permission, except as  otherwise provided in this Privacy Policy. In the ordinary course of  business, we may share some personal information with companies that we  hire to perform services or functions on our behalf. In all cases in  which we share your personal information with a third party for the  purpose of providing a service to us, we will not authorize them to  keep, disclose or use your information with others except for the  purpose of providing the services we asked them to provide.

We  will not sell, exchange or publish your personal information, except in  conjunction with a corporate sale, merger, dissolution, or acquisition.  For some sorts of transactions, in addition to our direct collection of  information, our third party service vendors (such as credit card  companies, clearinghouses and banks) who may provide such services as  credit, insurance, and escrow services may collect personal information  directly from you to assist you with your transaction. We do not control  how these third parties use such information, but we do ask them to  disclose how they use your personal information before they collect it.

If  you submit a review for a third party (person or business) using our  Facebook Fan Review Application, during the submission process we ask  your permission to gather your basic information (such as name and email  address) which we then share with the third party for whom you are  submitting the review. We may be legally compelled to release your  personal information in response to a court order, subpoena, search  warrant, law or regulation.

We may cooperate with  law enforcement authorities in investigating and prosecuting web site  visitors who violate our rules or engage in behavior, which is harmful  to other visitors (or illegal). We may disclose your personal  information to third parties if we feel that the disclosure is necessary  to protect our rights or property, protect someone’s health, safety or  welfare, or to comply with a law or regulation, court order or other  legal process. As discussed in the section on cookies and other  technologies, from time to time we may allow a third party to serve  advertisements on this web site.

If you share  information with the advertiser, including by clicking on their ads,  this Privacy Policy does not control the advertisers use of your  personal information, and you should check the privacy policies of those  advertisers and/or ad services to learn about their use of cookies and  other technology before linking to an ad.

HOW IS PERSONAL INFORMATION USED FOR COMMUNICATIONS?

We  may contact you periodically by e-mail, mail or telephone to provide  information regarding programs, products, services and content that may  be of interest to you. In addition, some of the features on this web  site allow you to communicate with us using an online form. If your  communication requests a response from us, we may send you a response  via e-mail. The e-mail response or confirmation may include your  personal information. We cannot guarantee that our e-mails to you will  be secure from unauthorized interception.

HOW IS PERSONAL INFORMATION SECURED?

We  have implemented generally accepted standards of technology and  operational security in order to protect personally-identifiable  information from loss, misuse, alteration, or destruction. Only  authorized personnel and third party vendors have access to your  personal information, and these employees and vendors are required to  treat this information as confidential. Despite these precautions, we  cannot guarantee that unauthorized persons will not obtain access to  your personal information.

LINKS

This  site contains links to other sites that provide information that we  consider to be interesting. [YOUR COMPANY NAME] is not responsible for  the privacy practices or the content of such web sites.

PUBLIC DISCUSSIONS

This  site may provide public discussions on various business valuation  topics. Please note that any information you post in these discussions  will become public, so please do not post sensitive information in the  public discussions. Whenever you publicly disclose information online,  that information could be collected and used by others. We are not  responsible for any action or policies of any third parties who collect  information that users disclose in any such forums on the web site.  [JUNE EDWARD THE MASSACHUSETTS MEDIUM] does not agree or disagree with  anything posted on the discussion board. Also remember that you must  comply with our other published policies regarding postings on our  public forums.

HOW CAN A USER ACCESS, CHANGE, AND/OR DELETE PERSONAL INFORMATION?

You  may access, correct, update, and/or delete any personally-identifiable  information that you submit to the web site. You may also unsubscribe  from mailing lists or any registrations on the web site. To do so,  please either follow instructions on the page of the web site on which  you have provided such information or subscribed or registered or  contact us at [youremailaddress@domain.com]

CHILDREN’S PRIVACY

[JUNE  EDWARD THE MASSACHUSETTS MEDIUM] will not intentionally collect any  personal information (such as a child’s name or email address) from  children under the age of 13. If you think that we have collected  personal information from a child under the age of 13, please contact  us.

CHANGES

[JUNE  EDWARD THE MASSACHUSETTS MEDIUM] reserves the right to modify this  statement at any time. Any changes to this Privacy Policy will be listed  in this section, and if such changes are material, a notice will be  included on the homepage of the web site for a period of time. If you  have any questions about privacy at any websites operated by [JUNE  EDWARD THE MASSACHUSETTS MEDIUM] or about our website practices, please  contact us at: [june@juneedward.com)]

This website (the “Site”) is owned and operated by [June Edward  "The Massachusetts Medium"] d/b/a “juneedward.coach” (“June Edward "The  Massachusetts Medium",” “we” or “us”). By using the Site, you agree to  be bound by these Terms of Service and to use the Site in accordance  with these Terms of Service, our Privacy Policy and any additional terms  and conditions that may apply to specific sections of the Site or to  products and services available through the Site or from COMPANY.  Accessing the Site, in any manner, whether automated or otherwise,  constitutes use of the Site and your agreement to be bound by these  Terms of Service.

We reserve the right to change these Terms  of Service or to impose new conditions on use of the Site, from time to  time, in which case we will post the revised Terms of Service on this  website. By continuing to use the Site after we post any such changes,  you accept the Terms of Service, as modified.

Intellectual Property Rights

Our Limited License to You

This  Site and all the materials available on the Site are the property of us  and/or our affiliates or licensors, and are protected by copyright,  trademark, and other intellectual property laws. The Site is provided  solely for your personal noncommercial use. You may not use the Site or  the materials available on the Site in a manner that constitutes an  infringement of our rights or that has not been authorized by us. More  specifically, unless explicitly authorized in these Terms of Service or  by the owner of the materials, you may not modify, copy, reproduce,  republish, upload, post, transmit, translate, sell, create derivative  works, exploit, or distribute in any manner or medium (including by  email or other electronic means) any material from the Site. You may,  however, from time to time, download and/or print one copy of individual  pages of the Site for your personal, non-commercial use, provided that  you keep intact all copyright and other proprietary notices.

Your License to Us

By  posting or submitting any material (including, without limitation,  comments, blog entries, Facebook postings, photos and videos) to us via  the Site, internet groups, social media venues, or to any of our staff  via email, text or otherwise, 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  thirteen years of age or older. In addition, when you submit, email,  text or deliver or post any material, 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 shall include the right to exploit any proprietary rights in such  posting or submission, including, but not limited to, rights under  copyright, trademark, service mark or patent laws under any relevant  jurisdiction. 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 and agree that any contributions originally created by you  for us shall be deemed a “work made for hire” when the work performed is  within the scope of the definition of a work made for hire in Section  101 of the United States Copyright Law, as amended. As such, the  copyrights in those works shall belong to COMPANY from their creation.  Thus, COMPANY shall be deemed the author and exclusive owner thereof and  shall have the right to exploit any or all of the results and proceeds  in any and all media, now known or hereafter devised, throughout the  universe, in perpetuity, in all languages, as COMPANY determines. In the  event that any of the results and proceeds of your submissions  hereunder are not deemed a “work made for hire” under Section 101 of the  Copyright Act, as amended, you hereby, without additional compensation,  irrevocably assign, convey and transfer to COMPANY all proprietary  rights, including without limitation, all copyrights and trademarks  throughout the universe, in perpetuity in every medium, whether now  known or hereafter devised, to such material and any and all right,  title and interest in and to all such proprietary rights in every  medium, whether now known or hereafter devised, throughout the universe,  in perpetuity. Any posted material which are reproductions of prior  works by you shall be co-owned by us.

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

Limitations  on Linking and Framing. You may establish a hypertext link to the Site  so long as the link does not state or imply any sponsorship of your site  by us or by the Site. However, you may not, without our prior written  permission, frame or inline link any of the content of the Site, or  incorporate into another website or other service any of our material,  content or intellectual property.

Disclaimers

Throughout  the Site, we may provide links and pointers to Internet sites  maintained by third parties. Our linking to such third-party sites does  not imply an endorsement or sponsorship of such sites, or the  information, products or services offered on or through the sites. In  addition, neither we nor affiliates operate or control in any respect  any information, products or services that third parties may provide on  or through the Site or on websites linked to by us on the Site.

If  applicable, any opinions, advice, statements, services, offers, or  other information or content expressed or made available by third  parties, including information providers, are those of the respective  authors or distributors, and not COMPANY. Neither COMPANY nor any  third-party provider of information guarantees the accuracy,  completeness, or usefulness of any content. Furthermore, COMPANY neither  endorses nor is responsible for the accuracy and reliability of any  opinion, advice, or statement made on any of the Sites by anyone other  than an authorized COMPANY representative while acting in his/her  official capacity.

THE  INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH THE SITE AND BY  COMPANY AND ANY THIRD-PARTY SITES ARE PROVIDED “AS IS” AND WITHOUT  WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. 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 AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT  THAT THE SITE OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR  ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THIS  SITE, INCLUDING BULLETIN BOARDS, OR THE SERVERS THAT MAKE IT AVAILABLE,  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 SITE OR MATERIALS ON THIS SITE OR ON  THIRD-PARTY SITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS,  RELIABILITY OR OTHERWISE.

You agree at all times to defend,  indemnify and hold harmless COMPANY its affiliates, their successors,  transferees, assignees and licensees and their respective parent and  subsidiary companies, agents, associates, officers, directors,  shareholders and employees of each from and against any and all claims,  causes of action, damages, liabilities, costs and expenses, including  legal fees and expenses, arising out of or related to your breach of any  obligation, warranty, representation or covenant set forth herein.

Online Commerce

Certain  sections of the Site may allow you to purchase many different types of  products and services online that are provided by third parties. We are  not responsible for the quality, accuracy, timeliness, reliability or  any other aspect of these products and services. If you make a purchase  from a merchant on the Site or on a site linked to by the Site, the  information obtained during your visit to that merchant’s online store  or site, and the information that you give as part of the transaction,  such as your credit card number and contact information, may be  collected by both the merchant and us. A merchant may have privacy and  data collection practices that are different from ours. We have no  responsibility or liability for these independent policies. In addition,  when you purchase products or services on or through the Site, you may  be subject to additional terms and conditions that specifically apply to  your purchase or use of such products or services. 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. 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 any products or services made  available by third parties through the Site.

Your  participation, correspondence or business dealings with any third party  found on or through our Site, regarding payment and delivery of  specific goods and services, and any other terms, conditions,  representations or warranties associated with such dealings, are solely  between you and such third party. You agree that COMPANY shall not be  responsible or liable for any loss, damage, or other matters of any sort  incurred as the result of such dealings.

You  agree to be financially responsible for all purchases made by you or  someone acting on your behalf through the Site. You agree to use the  Site and to purchase services or products through the Site for  legitimate, non-commercial purposes only. You also agree not to make any  purchases for speculative, false or fraudulent purposes or for the  purpose of anticipating demand for a particular product or service. You  agree to only purchase goods 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 information to us or a merchant, you represent that you have  obtained the express consent of such third party to provide such third  party’s personal information.

Your  purchase is for personal use only. Sharing of purchases is not  permitted and will be considered unauthorized, an infringing use of our  copyrighted material, and may subject violators to liability.

If  payment for a course is declined, our system will automatically disable  access to our premium materials. (We understand. This usually happens  because a credit card expires.) We want to help restore your access, so  we’ll make every attempt to contact you to help resolve this issue. Once  the billing issue is resolved, we’ll restore access.

Interactive Features

This  Site may include a variety of features, such as bulletin boards, web  logs, chat rooms, and email services, which allow feedback to us and  real-time interaction between users, and other features which allow  users to communicate with others. Responsibility for what is posted on  bulletin boards, web logs, chat rooms, and other public posting areas on  the Site, or sent via any email services on the Site, lies with each  user – you alone are responsible for the material you post or send. We  do not control the messages, information or files that you or others may  provide through the Site. It is a condition of your use of the Site  that you do not:

● Restrict or inhibit any other user from using and enjoying the Site.

●  Use the Site to impersonate any person or entity, or falsely state or  otherwise misrepresent your affiliation with a person or entity.

●  Interfere with or disrupt any servers or networks used to provide the  Site or its features, or disobey any requirements, procedures, policies  or regulations of the networks we use to provide the Site.

● Use the Site to instigate or encourage others to commit illegal activities or cause injury or property damage to any person.

●  Gain unauthorized access to the Site, or any account, computer system,  or network connected to this Site, by means such as hacking, password  mining or other illicit means.

● Obtain or attempt to obtain any materials or information through any means not intentionally made available through this Site.

●  Use the Site to post or transmit any unlawful, threatening, abusive,  libelous, defamatory, obscene, vulgar, pornographic, profane or indecent  information of any kind, including without limitation any transmissions  constituting or encouraging conduct that would constitute a criminal  offense, give rise to civil liability or otherwise violate any local,  state, national or international law.

● Use the Site to post  or transmit any information, software or other material that violates or  infringes upon the rights of others, including material that is an  invasion of privacy or publicity rights or that is protected by  copyright, trademark or other proprietary right, or derivative works  with respect thereto, without first obtaining permission from the owner  or rights holder.

● Use the Site to post or transmit any information, software or other material that contains a virus or other harmful component.

●  Use the Site to post, transmit or in any way exploit any information,  software or other material for commercial purposes, or that contains  advertising.

● Use the Site to advertise or solicit to anyone  to buy or sell products or services, or to make donations of any kind,  without our express written approval.

● Gather for marketing  purposes any email addresses or other personal information that has been  posted by other users of the Site.

COMPANY  may host message boards, chats and other public forums on its Sites.  Any user failing to comply with the terms and conditions of this  Agreement may be expelled from and refused continued access to, the  message boards, chats or other public forums in the future. COMPANY or  its designated agents may remove or alter any user-created content at  any time for any reason. Message boards, chats and other public forums  are intended to serve as discussion centers for users and subscribers.  Information and content posted within these public forums may be  provided by COMPANY staff, COMPANY’s outside contributors, or by users  not connected with COMPANY, some of whom may employ anonymous user  names. COMPANY expressly disclaims all responsibility and endorsement  and makes no representation as to the validity of any opinion, advice,  information or statement made or displayed in these forums by third  parties, nor are we responsible for any errors or omissions in such  postings, or for hyperlinks embedded in any messages. Under no  circumstances will we, our affiliates, suppliers or agents be liable for  any loss or damage caused by your reliance on information obtained  through these forums. The opinions expressed in these forums are solely  the opinions of the participants, and do not reflect the opinions of  COMPANY or any of its subsidiaries or affiliates.

 COMPANY  has no obligation whatsoever to monitor any of the content or postings  on the message boards, chat rooms or other public forums on the Sites.  However, you acknowledge and agree that we have the absolute right to  monitor the same at our sole discretion. In addition, we reserve the  right to alter, edit, refuse to post or remove any postings or content,  in whole or in part, for any reason and to disclose such materials and  the circumstances surrounding their transmission to any third party in  order to satisfy any applicable law, regulation, legal process or  governmental request and to protect ourselves, our clients, sponsors,  users and visitors.

We  occasionally include access to an online community as part of our  programs. We want every single member to add value to the group. Our  goal is to make your community the most valuable community you’re a  member of. Therefore, we reserve the right to remove anyone at any time.  We rarely do this, but we want to let you know how seriously we take  our communities.

Registration

To  access certain features of the Site, we may ask you to provide certain  demographic information including your gender, year of birth, zip code  and country. In addition, if you elect to sign-up for a particular  feature of the Site, such as chat rooms, web logs, or bulletin boards,  you may also be asked to register with us on the form provided and such  registration may require you to provide personally identifiable  information such as your name and email address. You agree to provide  true, accurate, current and complete information about yourself as  prompted by the Site’s registration form. If we have reasonable grounds  to suspect that such information is untrue, inaccurate, or incomplete,  we have the right to suspend or terminate your account and refuse any  and all current or future use of the Site (or any portion thereof). Our  use of any personally identifiable information you provide to us as part  of the registration process is governed by the terms of our Privacy  Policy.

Passwords

To  use certain features of the Site, you will need a username and  password, which you will receive through the Site’s registration  process. 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 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. We cannot and will not be  liable for any loss or damage arising from your failure to protect your  password or account information.

Limitation of Liability

UNDER  NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE,  OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES BE LIABLE FOR ANY  DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT  RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SITE, INCLUDING OUR  MESSAGING, BLOGS, COMMENTS OF OTHERS, BOOKS, EMAILS, PRODUCTS, OR  SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE  THROUGH THE SITE OR BY US IN ANY WAY, EVEN IF WE ARE ADVISED BEFOREHAND  OF THE POSSIBILITY OF SUCH DAMAGES. (BECAUSE SOME STATES DO NOT ALLOW  THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE  LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THE  LIABILITY OF OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES IS  LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW.) YOU  SPECIFICALLY ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY  DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE  DISSATISFIED WITH THE SITE, ANY MATERIALS, PRODUCTS, OR SERVICES ON THE  SITE, OR WITH ANY OF THE SITE’S TERMS AND CONDITIONS, YOUR SOLE AND  EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE AND THE PRODUCTS,  SERVICES AND/OR MATERIALS COMPANY IS NOT  AN INVESTMENT ADVISORY SERVICE, IS NOT AN INVESTMENT ADVISER, AND DOES  NOT PROVIDE PERSONALIZED FINANCIAL ADVICE OR ACT AS A FINANCIAL ADVISOR.

WE  EXIST FOR EDUCATIONAL PURPOSES ONLY, AND THE MATERIALS AND INFORMATION  CONTAINED HEREIN AND IN OUR PRODUCTS AND SERVICES ARE FOR GENERAL  INFORMATIONAL PURPOSES ONLY. NONE OF THE INFORMATION PROVIDED BY US IS  INTENDED AS INVESTMENT, TAX, ACCOUNTING OR LEGAL ADVICE, AS AN OFFER OR  SOLICITATION OF AN OFFER TO BUY OR SELL, OR AS AN ENDORSEMENT,  RECOMMENDATION OR SPONSORSHIP OF ANY COMPANY, SECURITY, OR FUND. OUR  INFORMATION SHOULD NOT BE RELIED UPON FOR PURPOSES OF TRANSACTING IN  SECURITIES OR OTHER INVESTMENTS.

WE  DO NOT OFFER OR PROVIDE TAX, LEGAL OR INVESTMENT ADVICE AND YOU ARE  RESPONSIBLE FOR CONSULTING TAX, LEGAL, OR FINANCIAL PROFESSIONALS BEFORE  ACTING ON ANY INFORMATION PROVIDED BY US.  THIS  SITE IS CONTINUALLY UNDER DEVELOPMENT AND COMPANY MAKES NO WARRANTY OF  ANY KIND, IMPLIED OR EXPRESS, AS TO ITS ACCURACY, COMPLETENESS OR  APPROPRIATENESS FOR ANY PURPOSE.

YOU acknowledge and  agrees that no representation has been made by COMPANY OR ITS AFFILIATES  and relied upon as to the future income, expenses, sales volume or  potential profitability that may be derived from the participation in  THIS PROGRAM.

Termination

We  may cancel or terminate your right to use the Site or any part of the  Site at any time without notice. In the event of cancellation or  termination, you are no longer authorized to access the part of the Site  affected by such cancellation or termination. The restrictions imposed  on you with respect to material downloaded from the Site, and the  disclaimers and limitations of liabilities set forth in these Terms of  Service, shall survive.

Refund Policy

Your  purchase of a product or service or ticket to an event may or may not  provide for any refund. Each specific product, service, event or course  will specify its own refund policy.

Other

The  Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse  for copyright owners who believe that material appearing on the  Internet infringes their rights under the U.S. copyright law. If you  believe in good faith that materials hosted by COMPANY infringe your  copyright, you, or your agent may send to COMPANY a notice requesting  that the material be removed or access to it be blocked. Any  notification by a copyright owner or a person authorized to act on its  behalf that fails to comply with requirements of the DMCA shall not be  considered sufficient notice and shall not be deemed to confer upon  COMPANY actual knowledge of facts or circumstances from which infringing  material or acts are evident. If you believe in good faith that a  notice of copyright infringement has been wrongly filed against you, the  DMCA permits you to send to COMPANY a counter-notice. All notices and  counter notices must meet the then current statutory requirements  imposed by the DMCA; see http://www.loc.gov/copyright for details.  COMPANY’s Copyright Agent for notice of claims of copyright infringement  or counter notices can be reached as follows: support@samovens.com

This  Agreement shall be binding upon and inure to the benefit of COMPANY and  our respective assigns, successors, heirs, and legal representatives.  Neither this Agreement nor any rights hereunder may be assigned without  the prior written consent of COMPANY. Notwithstanding the foregoing, all  rights and obligations under this Agreement may be freely assigned by  COMPANY to any affiliated entity or any of its wholly owned subsidiaries

These  Terms of Use shall be governed by and construed in accordance with the  laws of the State of [YOUR COUNTRY/STATE] and any dispute shall be  subject to binding arbitration in ­­­[YOUR COUNTRY/STATE], [YOUR  COUNTRY/STATE]. If any provision of this agreement shall be unlawful,  void or for any reason unenforceable, then that provision shall be  deemed severable from this agreement and shall not affect the validity  and enforce-ability of any remaining provisions.

Disclaimer

Although  it is highly unlikely, This policy may be changed at any time at our  discretion. If we should update this policy, we will post the updates to  this page on our Website.