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Terms & Conditions

TERMS AND CONDITIONS 

Terms of Use for the School of Brilliance and GLENN-WHITE GLOBAL  SOLUTIONS. 

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

Terms of Use 

Our Programs, Products, and Services are owned and operated by  Glenn-White Global Solutions LLC. (“Company”, “we”, or “us”). The  term “you” refers to any purchaser and/or user of any of our Programs,  Products and/or Services. 

These Terms of Use (“Terms of Use”) state how you may use our Programs,  Products and Services and Program Materials, and their content. Please read  these Terms of Use carefully. We reserve the right to change these Terms of  Use from time to time. 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 of Use, please do not use our Programs, Products and  Services. 

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, 

Services and Program Materials that you are waiving certain legal rights  and you are voluntarily agreeing to do so. 

Use and Consent

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

All of our Programs, Products, Services and Program Materials are intended  solely for users who are eighteen (18) years of age or older, or under the  supervision of a parent/guardian. Any registration by, use of or access to any  Program, Product, Service or Program Materials by anyone under age 18,  without the parent/guardian’s consent is unauthorized, unlicensed and in  violation of these Terms of Use. By accessing or using our Programs,  Products, or Services or our Program Materials, you represent and warrant  that you are at least 18 years old, or have the permission of a parent/guardian  to access and use. 

Intellectual Property Rights

Our Limited License to You. Our Programs, Products, and Services and all  the Program Materials 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 material or aspects of 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, Products and  Services, and Program Materials with permission and restrictions. This means  that when you purchase a Program, Product or Service 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 may download and/or print Program Materials for your own personal  use in your business. 

However, you are not permitted to share, sell, reprint or republish any  other of our Program Materials, including handouts, for resale or mass  reproduction purposes for your own business use. This includes sharing  this program with your friends, family, colleagues, etc. If they would like  access, they must purchase their own license separately. 

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 our Programs, Products and Services  and the Program Materials have 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  agree that you are clearly and expressly prohibited from doing the  following: 

• You will not copy, share or steal our Programs, Products, Services, or  Program Materials, or any parts of them. 

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

• You will not engage in improper and/or unauthorized use of our  Programs, Products, Services and Program Materials. Improper and  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) any Program Materials or any other information  accessed or purchased through our Programs, Products or Services,  or any other communications provided by us for your own personal  use, business/commercial use or in any way that earns you money. 

• You will not duplicate, share, trade, sell, or otherwise distribute our  Programs, Products, Services or Program Materials to any other  person, for their personal use, business/commercial use or in any  way that earns them money, 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 use or  business/commercial use. This means you cannot share or sell or  any part of our Programs, Products and Services or Program  Materials to someone else so they can copy and/or use them for  their own personal use, business/commercial use or in any way that  earns them money. You are the only one granted a limited license to  use our Program, Product, Service, and Program Materials. 

• You will not violate our intellectual property rights, including  copyright and trademark rights. Downloading, printing, or  otherwise using our Programs, Products, Services or Program  Materials for your own training purposes in no way gives you any  copyright, trademark, intellectual property or ownership rights of  our Program, Product, Service or Program Materials. 

• You will not reprint or republish any part of our Programs, Products,  Services or Program Materials for publication or compilation into  your own products, programs, services or program materials for  your own personal use or business/ commercial use or in any way  that earns you money. 

• You will not use our Programs, Products, Services or Program  Materials 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. 

• 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 promoting or relating to the  Programs, Products or Services. 

You understand and agree that engaging in the prohibited use or the  improper and/or unauthorized use of our Programs, Products or Services  or Program Materials 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 civil claim for damages and/or be a  criminal offense. 

Limitations on Linking and Framing. You may establish a hypertext link to  our Website or Content so long as the link does not state or imply any  sponsorship, endorsement by, or ownership by in our Website or Content and  does not state or imply that we are have sponsored, endorsed or have  ownership rights in your website. However, you may not frame or inline link  our Content without our written permission.

Your License to Us. By posting or submitting any material on or through our  Programs, Products, Services or Program Materials, such as comments, posts,  photos, images or videos or other contributions, you are representing that  you are the owner of all such materials and you are at least 18 years old, or  with a parent/guardian’s consent. 

When you submit to us or post any comment, photo, image, video or any  other submission for use on or through our Website, you are granting us, and  anyone authorized by us, an unlimited, 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 contributions, in whole or in part, in any manner or medium,  now known or developed in the future, for any purpose, and granting us the  right to make it part of our current or future Programs, Products, Services  and/or Program Materials. This right includes granting us use or exploitation  of proprietary rights or intellectual property rights like copyright, trademark,  service mark, trade secrets, patent rights or any other of your intellectual  property rights under any relevant jurisdiction without any further permission  from you or compensation by us to you. This does not include any of your  own ideas, programs or offerings. We will not take, borrow or steal any of your  ideas, programs or offerings for use in our own business. 

You also grant us, and anyone authorized by us, the right to identify you as  the author of any of your comments, posts, photos, images, videos or other  contributions by name, email address, or screen name. You acknowledge that  we have the right but not the obligation to use and display any contributions  from you of any kind and that we may elect to cease the use and display of  any such contributions on our Programs, Products, Services and/or Program  Materials at any time for any reason whatsoever. 

Media Release. By participating in our Programs, Products and Services, and  using our Program Materials, including our Facebook community, 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. 

Request for Permission to Use Content

Any request for written permission to use our Programs, Products, Services or  Program Materials, in whole or in part, or any other intellectual property or  property belonging to us (“Content”), should be made BEFORE you wish to  use it by completing the “Contact Us” form on this Website, or by sending an  e-mail to hi@drvernitaglenn-white.com. 

We very clearly state that you may not use our Programs, Products,  Services or Program Materials, in whole or in part, in any way that is  contrary to these Terms of Use unless we have given you specific written  permission to do so. 

If you are granted permission by us, you agree to use the specific Content  that we allow and ONLY in the ways for which we have given you our written  permission. If you choose to use the content in ways that we do not  specifically give you written permission, you agree now that you will be  treated as if you had copied, duplicated and/ or stolen such Content from us,  and you consent to immediately stop using such Content and to take  whatever actions as we may request and by the methods and in the time  frame that we prescribe to protect our intellectual property and ownership  rights in our Programs, Products, Services or Program Materials. 

Security

When you apply for, enroll in, purchase or use our Programs, Products or  Services, or Program Materials we may seek and collect personal data and  information including but not limited to your name, e-mail address, phone  number, billing information, credit card or payment 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 our Program, Product, Service or  Program Materials, 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 taken precautionary measures 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. 

Facebook Groups & Private Communities

These terms apply to you if the product, program or event you are purchasing  comes with a Facebook Group or another form of a Private Community. These Terms apply to the Facebook Group and other similar Private Communities.  Further, you understand that Facebook and similar communities are a public platform and therefore, we  cannot guarantee your privacy for things that you share in the group as other  members will also see what is posted. 

Personal Responsibility and Assumption of Risk

As a Licensee, you agree that you are using your own judgment in using our  Programs, Products, Services and Program Materials and you agree that you  are doing so at your own risk. Our Programs, Products, Services and Program  Materials are for informational and educational purposes only. You agree and  understand that you assume all risks and no results are guaranteed in any  way related to our Programs, Products, Services and Program Materials. Our  Programs, Products, Services and Program Materials are merely to provide  you with education and tools to help you make your own decisions for  yourself. You are solely responsible for your actions, decisions and results  based on the use, misuse or non-use of our Programs, Products, Services and  Program Materials. 

We take every precaution to protect our Programs, Products, Services and  Program Materials. However, due to the nature of the Internet, we cannot  completely ensure or warrant the security of the Programs, Products, Services  and Program Materials or the contributions or information transmitted to us  on or through our Website or our Programs, Products, Services and Program  Materials. Submitting contributions or information on our through our  Programs, Products, Services and Program Materials is done entirely at your  own risk. We make no assurances about our ability to prevent any such loss  or damage to you or to any other person, company or entity arising out of use  of our Programs, Products, Services and Program Materials and you agree  that you are assuming such risks. 

Disclaimer 

Our Programs, Products, Services, and Program Materials are for  informational and educational purposes only. To the fullest extent permitted  by law, we expressly exclude any liability for any direct, indirect or  consequential loss or damage incurred by you or others in connection with  our Programs, Products, Services, and Program Materials, 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. You specifically acknowledge and agree that we are not liable for  any defamatory, offensive or illegal conduct of any other Program, Product,  Service or Program Materials participant or user, including you. 

Medical Disclaimer

Our Programs, Products, Services, and Program Materials are not to be  perceived as or relied upon in any way as medical advice or mental health  advice. The information provided through our Programs, Products, Services,  and Program Materials is not intended to be a substitute for professional  medical advice, diagnosis or treatment that can be provided by your own  physician, nurse practitioner, physician assistant, therapist, counselor, mental  health practitioner, licensed dietitian or nutritionist, member of the clergy, or  any other licensed or registered health care professional. Do not disregard  professional medical advice or delay seeking professional advice because of  information you have read in our Programs, Products, Services, and Program  Materials, or received from us. Do not stop taking any medications without  speaking to your physician, nurse practitioner, physician assistant, mental  health provider or other health care professional. If you have or suspect that  you have a medical or mental health issue, contact your own health care  provider promptly. We are not providing health care, medical or nutrition  therapy services or attempting to diagnose, treat, prevent or cure in any  manner whatsoever any physical ailment, or any mental or emotional issue,  disease or condition. We are not giving medical, psychological, or religious  advice whatsoever. 

Legal and Financial Disclaimer

Our Programs, Products, Services, and Program Materials are not to be  perceived or relied upon in any way as business, financial or legal advice. The  information provided through our Programs, Products, Services, and  Program Materials is not intended to be a substitute for professional advice  that can be provided by your own accountant, lawyer, or financial advisor. We  are not giving financial or legal advice in any way. You are hereby advised to  consult with your own accountant, lawyer or financial advisor for any and all questions and concerns you have regarding your own income and taxes  pertaining to your specific financial and/or legal situation. 

You agree that we are not responsible for your earnings, the success or failure  of your business decisions, the increase or decrease of your finances or  income level, or any other result of any kind that you may have as a result of  information presented to you through our Programs, Products, Services, and  Program Materials. You are solely responsible for your results. 

Earnings Disclaimer. 

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,  Services or Program Materials. We cannot and do not guarantee that you will  attain a particular result, positive or negative, financial or otherwise, through  the use of our Programs, Products, Services and Program Materials 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, misuse or non-use of the information provided or obtained through any  of our Programs, Products, Services or Program Materials. You agree that  your results are strictly your own and we are not liable or responsible in any  way for your results. 

Warranties Disclaimer. 

We make no warranties as to our programs, products, services, or program  materials. You agree that programs, products, services, or program materials  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, fitness for a particular purpose, and  non-infringement. We do not warrant that the programs, products, services,  or program materials will be functional, uninterrupted, correct, complete,  appropriate, or error-free, that defects will be corrected, or that any part of the 

website, content 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 our program, product or services materials or on third-party websites  in terms of their correctness, accuracy, timeliness, reliability or otherwise. 

Technology Disclaimer

We try to ensure that the availability and delivery of our Programs, Products,  Services and Program Materials is uninterrupted and error-free, including our  content and communications through methods like our Website, member  forum, private Facebook groups, e-mail communications, videos, audio  recordings, webinars, recorded webinars, teleseminars, recorded  teleseminars, emails, downloadable audio files, downloadable PDF printed  transcripts, downloadable PDF handouts/slides, handouts, ebooks, or any  other materials provided by us to you. 

However, we cannot guarantee that your access will not be suspended or  restricted from time to time, including to allow for repairs, maintenance or  updates, although, of course, we will try to limit the frequency and duration of suspension or restriction. To the fullest extent permitted by law, we will be  not be liable to you for damages or refunds, or for any other recourse, should  our Programs, Products, Services or Program Materials become unavailable  or access to the them becomes slow or incomplete due to any reason, such  as system back-up procedures, internet traffic volume, upgrades, overload of  requests to the servers, general network failures or delays, or any other cause  which may from time to time make our Programs, Products, Services or  Program Materials inaccessible to you. 

Errors and Omissions. 

We make no warranty or guarantee as to the accuracy, timeliness,  performance, completeness or suitability of the information in our Programs,  Products, Services, and Program Materials. 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 may contain inaccuracies or errors and we are not  liable for any such inaccuracies or errors to the fullest extent permitted by  law. 

Links to Other Websites.

We may provide links and pointers to other websites maintained by third  parties that may take you outside of our Programs, Products, Services or  Program Materials. These links are provided for your convenience and the  inclusion of any link in our Programs, Products, Services or Program Materials  to any other website does not imply our endorsement, sponsorship, or  approval of that website or its owner. We do not endorse and we are not  responsible for the views, opinions, facts, advice, or statements provided by  external resources referenced in our Website or its Content, or their accuracy  or reliability. We assume no responsibility for errors or omissions caused by  other websites that may be included our Programs, Products, Services or  Program Materials. We have no control over the contents or functionality of  those websites and so we accept no responsibility for any loss, damage, or  otherwise that may arise from your use of them and therefore we do not  guarantee the accuracy, completeness, or usefulness of any other website or  their content. It is your responsibility to review the terms and conditions and  privacy policies of those linked websites to confirm that you understand and  agree with those policies. By purchasing and/or using our Programs,  Products, Services or Program Materials in any way or for any reason, you also  implicitly agree to Terms of Use in this document and on our website(s). 

Indemnification, Limitation of Liability and Release of Claims Indemnification.

You agree at all times to defend, indemnify and hold harmless our Company,  as well as any of our affiliates, agents, contractors, officers, directors,  shareholders, employees, joint venture partners, successors, transferees,  assignees, and licensees, as applicable, 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 our Programs, Products, Services or  Program Materials, or your breach of any obligation, warranty, representation  or covenant set forth in these Terms and Conditions or in any other  agreement with us.

Limitation of Liability.

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  Programs, Products, Services or Program Materials. 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, 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, Services or Program Materials, or in any way or in any  location. In the event that you use our Programs, Products, Services or  Program Materials or any other information provided by us or affiliated with  us, we assume no responsibility. 

Release of Claims.

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 Programs, Products, Services or Program Materials, 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. 

Your Conduct 

You are agreeing that you will not use our Programs, Products, Services or  Program Materials in any way that causes or is likely to cause the Programs,  Products, Services or Program Materials, or access to them either to be  interrupted, damaged or impaired in any way. You understand that you are  solely responsible for all electronic communications and content sent from  your computer to this Website and its Content and to us. You must use the  Programs, Products, Services or Program Materials for lawful purposes only. 

You agree that you will not use our Programs, Products, Services or Program  Materials in any of the following ways: 

• For fraudulent purposes or in connection with a criminal offense or  otherwise carry out any unlawful activity 

• To send, use or re-use any material that is illegal, offensive, abusive,  indecent, harmful, defamatory, obscene or menacing, threatening,  objectionable, invasive of privacy, in breach of confidence, infringing of  any intellectual property rights, or that may otherwise may injure  others 

• To send, negatively impact, or infect our Programs, Products, Services  or Program Materials with 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, whether intended or not 

• To cause annoyance, inconvenience or needless anxiety 

• To impersonate any third party or otherwise mislead as to the origin of  your contributions 

• To reproduce, duplicate, copy or resell any part of our Programs,  Products, Services or Program Materials in a way that is not in  compliance with these Terms of Use or any other agreement with us. 

Communication Guidelines

If you have a question or concern about your Programs, Products, Services, or  Program Materials, you may send an e-mail to hi@drvernitaglenn white.com and we will do our best to reply to your question or concern  promptly.

Purchases and Online Commerce If paying by debit card, or credit card, you  give us permission to automatically charge your credit or debit card as  payment for your Program, Product or Service without any additional  authorization, 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 and we reserve the right to cease your access  immediately and permanently. 

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. 

All information obtained during your purchase or transaction for our  Programs, Products and Services and all of the information that you give as  part of the transaction, such as your name, address, method of payment,  credit card number, and billing information, may be collected by both us and  our payment processing company. 

You agree to only purchase goods or services for yourself or for another  person for whom you are legally permitted to do so or for whom you have  obtained the express consent to provide their name, address, method of  payment, credit card number, and billing information. 

You agree to be financially responsible for all purchases made by you or  someone acting on your behalf. You agree to use our Programs, Products,  Services, and Program Materials for legitimate, non-commercial purposes only and not for speculative, false, fraudulent, or illegal purposes. 

Since we have a clear and explicit Refund Policy in these Terms of Use  that you have agreed to prior to completing the purchase of any of our  Programs, Products, or Services, we do not tolerate or accept any type of  chargeback threat or actual chargeback from your credit card company.

In the event that a chargeback is placed on a purchase or we receive a  chargeback threat during or after your purchase, we reserve the right to  report the incident to all three credit reporting agencies or to any other entity  for inclusion in any chargeback database or for listing as a delinquent  account which could have a negative impact on your credit report score. 

The information reported will include your name, email address, order date,  order amount, and billing address, IP Address, and any other relevant  information. Chargeback abusers wishing to be removed from the database  shall make the payment for the amount of the chargeback. 

If you make a purchase from one of our affiliates, or any other individual or  company through a link provided on or through our Programs, Products or  Services (“Merchant”), all information obtained during your purchase or  transaction and all of the information that you give as part of the transaction,  such as your credit card number and contact information, may be collected  by the merchant and their payment processing company as well. 

Your participation, correspondence or business dealings with any affiliate,  individual or company on or through our Programs, Products or Services, and  all purchase terms, conditions, representations or warranties associated with  payment, refunds, and/or delivery related to your purchase, are solely  between you and the Merchant. 

You agree that we shall not be responsible or liable for any loss, damage,  refunds, or other matters of any sort that incurred as the result of such  dealings with a Merchant. Payment processing companies and Merchants  may have privacy and data collection practices that are different from ours.  We have no responsibility or liability for these independent policies of the  payment processing companies and Merchants.

In addition, when you make certain purchases through our Programs,  Products or Services, you may be subject to the additional terms and  conditions of a payment processing company, Merchant or us that  specifically apply to your purchase. For more information regarding a  Merchant and its 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, our affiliates, our payment processing company, and  Merchants from any damages that you incur, and agree not to assert any  claims against us or them, arising from your purchase through or use of our  Website or its Content. 

Refund Policy

Your satisfaction with your Program, Product or Service is important to us.  Yet, because of the extensive time, effort, preparation and care that goes into  creating and/or providing our Programs, Products, Services and Program  Materials, we have a no refund policy. Unless otherwise provided by law, you  acknowledge that we do not offer refunds for any portion of your payment for  any of our Programs, Products, and Services, and no refunds will be provided  to you at any time. By using and/or purchasing any of our Programs,  Products, Services or Program Materials, you understand and agree that all  sales are final and no refunds will be provided. 

Termination

You have the right to terminate your use of or participation in our Programs,  Products or Services at any time by sending an e-mail to hi@drvernitaglenn white.com. We reserve the right in our sole discretion to refuse or terminate  your access to our Programs, Products, Services or Program Materials, in full  or in part, at any time, without notice, by sending you an e-mail to the e-mail  address you provided upon purchase of the Program, Product or Service.

In the event of cancellation or termination by either of us, you will have 24  hours to pay any and all remaining payments or balances that are owed to us.  Upon termination by either of us, we reserve the right to immediately refuse  or terminate your access to any aspect of our Programs, Products, Services  and/or our Program Materials, including but not limited to our Website,  private forum, e-mail communications, Facebook groups, live trainings,  challenges, webinars, masterclasses, or conference calls, or any other method  of communications related to our Programs, Products, Services or Program  Materials at any time without notice and in our sole discretion. 

All of the terms of this Terms of Use, including but not limited to all copyright,  trademark, and intellectual property rights, disclaimers, limitations of liability,  release of claims, and our Refund Policy will still apply now and in the future,  even after termination by you or us. 

Dispute Resolution

It is hoped that should we ever have any differences, we could be able to  work them out amicably through e-mail correspondence. However, should  we be unable to seek resolution within a reasonable time, you agree now that  that the only method of legal dispute resolution that will be used is binding  arbitration before a single arbitrator, selected jointly, in accordance with the  American Arbitration Association Rules. Prior to seeking arbitration, you must  send an e-mail to us at hi@drvernitaglenn-white.com and include all of your  reasons for dissatisfaction with your Program. 

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 other  actions or financial awards of consequential damages, or any other type of  damages, may be granted to you. We both agree now that the decision of the  arbitrator is final and binding, and may be entered as a judgment into any  court having the appropriate jurisdiction. 

By purchasing our Programs, Products or Services you are agreeing to a  modification of the statute of limitations such that any arbitration must  begin within one (1) year of the date of your e-mail to me referenced  above or you waive the right to seek dispute resolution by arbitration or  to take any other legal action.

You also agree that should arbitration take place, it will be held in Orlando, Florida and the prevailing party shall be entitled to all reasonable attorneys’  fees and all costs necessary to enforce the decision of the arbitrator. 

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 any terms  of these Terms of Use are construed to be invalid or unenforceable for any  reason, it shall not affect the validity or enforceability of any other term which  shall be given full force and effect. Governing Law These Terms of Use shall be  governed by the laws of the State of Florida regardless of the conflict of laws  principles thereof. 

Confidentiality and Privacy

Confidential Information. To use our Programs, Products, Services or  Program Materials, we may seek personal data or information including your  name, e-mail address, phone number, street address, billing information,  birthday, preferences, interests, assignments, or other personally-identifying  information (“Confidential Information”), or you may offer or provide a  comment, photo, image, video or any other submission to us when using or  participating in our Programs, Products, Services or Program Materials  (“Other Information”). By providing such Confidential Information or Other  Information to us, you grant us permission to use and store such information.  We, in turn, will use our best efforts to keep your Confidential Information  safe, secure and confidential in accordance with these Terms of Use and our  full Privacy Policy which may be found on our Website. 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 Confidential Information. 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, Services or Program  Materials, (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, (5) to  customize the respective Programs, Products or Services you purchase or use  according to your interests and/or (6) for support or communication related  to your Program, Product, Service or Program Materials. 

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 we, including but not  limited to our team, staff and affiliates, and those who manage the data  management system may have access to your Confidential Information. 

Confidentiality and Disclosure. All Confidential 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 law, (4) to comply with any  legal process served on either us or our partners, sponsors, investors, or  affiliates, (5) to protect and defend our rights or property or those of our users  or purchasers, and/or (6) to act as immediately necessary in order to protect  the personal safety of our users, purchasers, or the public. We will not sell,  distribute or lease your Confidential Information to third parties unless we  have your permission or are required by law to do so. 

Viewing by Others. Note that whenever you make your Confidential  Information or Other Information available for viewing by others such as  through our Programs, Products, Services, or Program Materials, our Website  or social media, the Confidential Information or Other Information that you  share also can be seen, collected and used others, and therefore, we cannot be responsible for any unauthorized use by others of such Confidential  Information or Other Information that you voluntarily share online or in any  other manner. 

How We Use Cookies. We may use the standard "cookies" feature of major  web browsers. We do not set any Confidential Information in cookies, nor do  we employ any data-capture mechanisms on our Website other than cookies.  You may choose to disable cookies through your own web browser’s settings.  However, disabling this function may diminish your experience on the  Website and some features of our Programs, Products, Services or Program  Materials may not work as intended. We have no access to or control over any  information collected by other individuals, companies or entities whose  website or materials may be linked to our Programs, Products, Services or  Program Materials. 

Passwords. To use certain features of our Programs, Products, Services, or  Program Materials, 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 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, Service, Program Materials,  Website, private forum, Facebook group or any other related communication.  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 these Terms of Use,  please contact us at hi@drvernitaglenn-white.com. 

Thank you.