Terms & Conditions

Terms of Use

By using any of our Services, Products and Programs, you (“user” or “you”) agree to these Terms of Service (“Terms”). These terms apply to all users of our Services, Products and Programs, including users who are also contributors of content on our Services, Products and Programs. Please read these Terms carefully before using our Services, Products and Programs. We reserve the right to change these Terms at any time and will update them accordingly. Your continued use of our Services, Products and Programs after any changes to these Terms will be considered acceptance of those changes. These Terms include an agreement to resolve disputes through arbitration and limit the remedies available in the event of a dispute. By using our Services, Products and Programs, you understand and agree that you are waiving certain legal rights and voluntarily agreeing to these terms. If you do not agree to these Terms, please do not use our Programs, Products, and Services.

Use and Consent

By using any of our Services, Products, and Programs, you agree to comply with these Terms of Use and Privacy Policy, as well as any other relevant terms and conditions. Your use of our Services, Products, and Programs and Program Materials constitutes acceptance of these Terms of Use. Our Services, Products, and Programs and Program Materials are intended for users who are 18 years of age or older. Anyone under 18 years of age is not authorized to use our Services, Products, and Programs or Program Materials. By accessing or using our Services, Products, Programs or Program Materials, you represent and warrant that you are at least 18 years old. Any registration or use by individuals under 18 years of age is a violation of these Terms of Use.

Intellectual Property Rights

Our Services, Products, Programs and Program Materials are our property and/or the property of our affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws. The content in our Services, Products, Programs and Program Materials is owned by or licensed to us, unless otherwise indicated. This includes, but is not limited to, the design, layout, appearance, graphics, and any other materials provided by us. Reproduction is prohibited unless in accordance with the copyright notice, which is included in these Terms of Service. If you purchase or access any of our Program Materials through our Services, Products, and Programs, you are considered our Licensee.

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. This means that you may not use our Services, Products, and Programs 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 granted a limited license to use our Services, Products, Programs, and Program Materials with permission and restrictions. When you purchase a Services, Products, and Programs from our Website or otherwise, you are purchasing the limited right to use the Program Materials in the form provided by us, with certain conditions as specified in these Terms of Use you are permitted to use our Services, Products, Programs and Program Materials as follows:

You have the permission to download and/or print Program Materials for your personal use within your business. However, sharing, selling, reprinting, or republishing any other of our Program Materials, including handouts, for commercial purposes or mass reproduction is strictly prohibited. 

All trademarks, taglines, and logos displayed on Program Materials are the property of our company. Any trademarks found on this Website that are not owned by or licensed to our company, are acknowledged on the Website. 

Using these trademarks, including in framing, metatags, or other text, without our express written consent is prohibited. For the trademarks, taglines, and logos that you are given 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 bearing our trademark symbols (™) or ® may not be used by you without our express written permission. All rights not explicitly granted in these terms or any express written license, are reserved by our company.

Information You Are Prohibited from Sharing.

You acknowledge that our Services, Products, Programs, and Program Materials have been created, developed, or obtained by us through a significant investment of time, effort, and expense. They are a valuable, special, and unique asset of ours that needs to be protected from improper and unauthorized use. When you enroll in or purchase our Services, Products, Programs, and Program Materials, you agree to the following prohibitions:

You agree to not copy, share, or steal our Services, Products and Programs, or any parts of them. You also agree not to use, copy, adapt, or represent any of our Services, Products and Programs as if they were created by you or belonged to you.

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

You will not duplicate, share, trade, sell, or otherwise distribute our Services, Products, Programs and Program Materials to any other person for their personal use, business use or in any way that earns them money, whether or not it was known to you at the time that you shared the information that their intention was to use the Services, Products, Programs and Program Materials for their own personal use or business use. You are the only one granted a limited license to use our Services, Products, Programs and Program Materials.

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

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

You will not use our Services, Products, Programs and 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.

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 Services, Products, Programs and Program Materials or any other communications provided by us promoting or relating to the Services, Products, Programs and Program Materials.

By using our Services, Products, Programs and Program Materials, you understand and agree that engaging in prohibited use or improper and unauthorized use as outlined in these Terms of Use is considered theft and stealing. We reserve the right to take legal action for theft to the fullest extent of the law. You acknowledge that prohibited use, improper, and unauthorized use may result in a civil claim for damages and/or be considered a criminal offense.

Linking and Framing Restrictions: You may create a hyperlink to our website or content as long as the link does not imply sponsorship, endorsement, or ownership by us of your website and does not imply that we have sponsored, endorsed, or have ownership rights in your website. However, without our written permission, you may not frame or inline link our content.

Your License to Us: By submitting any material on or through our Services, Products, Programs, Program Materials, such as emails, text messaging, comments, posts, photos, images, videos, or other contributions, you represent that you are the rightful owner of the material and that you are at least 18 years old.

By submitting or posting any comments, photos, images, videos, or other materials on or through our Website, our Facebook community and/or any other Social Media, you grant 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 materials, 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 Services, Products and/or Programs.

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. 

Additionally, you 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 your name, email address, photo 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 Services, Products and/or Programs at any time for any reason whatsoever.

Media Release: By participating in our Services, Products, and Programs and using our Program Materials, including our Facebook community, you give permission to photographs, videos, and/or audio recordings that may be taken that may contain you, your voice, and/or your likeness to be used. We reserve the right to use these photographs, videos, and/or audio recordings, and/or any other materials submitted by you in connection with your participation in our Services, Products, and Programs, in our current or future Services, Products, Programs, and/or our marketing or promotional efforts without compensation to you. This consent applies at any time, now or in the future, and the discretion to use these materials lies with us.

Request for Permission to Use Content

Any request to use our Services, Products, Programs, or Program Materials, in whole or in part, or any other intellectual property or property belonging to us (“Content”), should be made in writing AND prior to use by completing the “Contact Us” form on this Website, or by sending an email to hello{at}createdbychicas.com. You may not use our Services, Products, Programs, and/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 Services, Products, Programs, and/or Program Materials.

Security

When you register, apply for, enroll in, purchase or use our Services, Products, Programs, 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 will use our best efforts to keep your Confidential Information safe and secure and we take precautions to protect it. However, please be aware that due to the nature of the Internet, we cannot completely ensure or warrant the security of your Confidential Information or any other data or information transmitted to us or through our Services, Products, Programs, Website or Facebook Community; 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 cannot guarantee that these measures will be completely effective. Therefore, we will not be liable for any loss, misuse, or alteration of the Confidential Information, data or other information submitted to us.Personal Responsibility and Assumption of Risk

You acknowledge and agree that you are using our Services, Products, Programs, and/or Program Materials at your own risk. The information and materials provided by us are for informational and educational purposes only and are not intended as a substitute for professional advice. You understand and agree that we make no guarantees or representations as to the effectiveness or outcomes of the use of our Services, Products, Programs, or Program Materials. It is your responsibility to use your own judgment and discretion in utilizing the information and materials provided by us. You agree to take full responsibility for your actions, decisions and results based on the use, misuse or non-use of our Services, Products, Programs, and/or Program Materials.Success from using our Services, Products, Programs and/or Program Materials is not guaranteed as attaining the results claimed in our materials depends on various factors like the effort put in, financial resources, knowledge and skills. As these factors may vary from person to person, we cannot promise a specific outcome, financial or otherwise.

Additionally, we are not responsible for any actions taken by you as a result of using our Services, Products, Programs, or Program Materials.We take all necessary measures to ensure the security and protection of our Services, Products, Programs, and Program Materials. However, due to the nature of the internet, we cannot completely guarantee the security of any information or materials transmitted to us or through our Website or our Services, Products, Programs and Program Materials. By submitting information or materials, you acknowledge and accept that there is a risk involved and that we cannot be held responsible for any potential loss or damage that may occur. You assume full responsibility for any risks associated with the use of our Services, Products, Programs, and Program Materials.Disclaimer

Our Services, Products, Programs, and Program Materials are intended for informational and educational purposes only. We are not liable for any direct, indirect, or consequential loss or damage that may occur as a result of using our Services, Products, Programs, and Program Materials. This includes, but is not limited to, 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, or any other loss or damage of any kind. Even if the loss or damage is foreseeable, we are not liable for it. Additionally, we are not liable for any defamatory, offensive, or illegal conduct by any participant or user of our Services, Products, Programs, or Facebook Community, including yourself.

Medical Disclaimer.

Our Services, Products, Programs, and Program Materials are for informational and educational purposes only and should not be used as a substitute for professional medical or mental health advice. You are responsible for consulting with your own healthcare provider before making any decisions related to your health or well-being. We do not provide medical or mental health services, and we will not diagnose, treat, prevent or cure any physical or mental ailment, disease or condition. We do not give medical, psychological, or religious advice. Any information provided through our Services, Products, Programs, and Program Materials is not intended to be a substitute for professional advice and should not be relied upon as such. You should not disregard or delay seeking professional advice based on information provided through our Services, Products, Programs, and Program Materials.

Legal and Financial Disclaimer.

Our Services, Products, Programs, and Program Materials are intended for informational and educational purposes only and should not be perceived or relied upon as business, financial or legal advice. The information provided through our Services, Products, Programs, and Program Materials is not a substitute for professional advice from a qualified accountant, lawyer or financial advisor. We strongly recommend consulting with a professional for any questions or concerns regarding your own financial or legal situation. We do not provide financial or legal advice in any way. We are not responsible for any business decisions, financial outcomes, or legal consequences that may arise from the use of our Services, Products, Programs, and Program Materials. You are solely responsible for your results.Earnings Disclaimer. You understand and agree that we make no promises or guarantees about the outcomes of using our Services, Products, Programs, and Program Materials. We do not claim that participation in our offerings will lead to any specific physical, mental, emotional, or spiritual health benefits, financial gains, or other positive results. Participation in our Services, Products, Programs, and Program Materials is voluntary and at your own risk. Results vary for each individual and we cannot predict or ensure a particular outcome for you. You accept that the use, misuse, or non-use of the information provided through our Services, Products, Programs, and Program Materials is entirely your responsibility and we are not held liable for any choices, actions, or results that may arise from your participation. 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 SERVICES, PRODUCTS, PROGRAMS, OR PROGRAM MATERIALS. YOU AGREE THAT SERVICES, PRODUCTS, PROGRAMS, 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 Services, Products, Programs, 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 SERVICES, PRODUCTS, PROGRAMS, PROGRAM MATERIALS OR ON THIRD-PARTY WEBSITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

Technology Disclaimer.

We make every effort to ensure that our Services, Products, Programs, and Program Materials are available and delivered without interruption or errors, including our content and communications through platforms such as our Website, member forum, private Facebook groups, email communications, videos, audio recordings, webinars, recorded webinars, teleseminars, recorded teleseminars, emails, downloadable Mp3 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 access to our Services, Products, Programs, and Program Materials will not be temporarily suspended or restricted for reasons such as maintenance, repairs, or updates.

To the fullest extent permitted by law, we will not be liable for any damages, refunds, or other compensation should our Services, Products, Programs, or Program Materials become unavailable or access to them becomes slow or incomplete due to any reason, including system back-up procedures, internet traffic volume, upgrades, overload of requests to the servers, general network failures or delays, or any other cause.

Errors and Omissions.

We cannot guarantee that the information provided in our Services, Products, Programs, and Program Materials will always be accurate, complete or up-to-date. We make every effort to ensure the accuracy of the information, but as the field of science and research is constantly evolving, we cannot be held responsible for any inaccuracies or errors that may occur. By using our Services, Products, Programs, and Program Materials, you acknowledge that such information may contain inaccuracies and we will not be held liable for any such inaccuracies to the fullest extent permitted by law.

Affiliates and Links to Other Websites. Occasionally may use affiliate links to certain products or services. We disclaim any and all liability as a result of your purchase through one of these links. We will use reasonable efforts to notify you when and where we have placed affiliate links in addition to this disclaimer located in these Terms & Conditions. You accept express liability for any and all consequences or benefits of clicking the affiliate links contained on this website or related communications.We do not endorse or take responsibility for the content or accuracy of external websites that may be linked to in our Services, Products, Programs, or Program Materials. These links are provided for convenience only and do not imply our endorsement or sponsorship of the linked website or its owner. It is your responsibility to review the terms and conditions and privacy policies of these linked websites to ensure that you understand and agree with them before using them.

We accept no responsibility for any loss, damage, or other issues that may arise from your use of these external websites.By accessing, purchasing and/or utilizing our Services, Products, Programs, or Program Materials in any manner, you agree to be bound by the terms and conditions outlined in this statement.

Indemnification, Limitation of Liability and Release of Claims

Indemnification. By purchasing, accessing and/or using our Services, Products, Programs or Program Materials, you agree to defend, indemnify, and hold harmless our company and any of our affiliates, agents, contractors, officers, directors, shareholders, employees, joint venture partners, successors, transferees, assignees, and licensees from any and all claims, causes of action, damages, liabilities, costs, and expenses, including legal fees and expenses, that may arise from or in connection with your use of our Services, Products, Programs or Program Materials or any 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 liable for any information, products or materials provided through our Services, Products, Programs or Program Materials. We cannot be held responsible for any accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental health issues, or other negative outcomes that may occur. We also cannot be held responsible for the actions of any individuals or businesses affiliated with us, such as staff, agents, joint venture partners, contractors, vendors, or affiliates. By using our Services, Products, Programs or Program Materials, you acknowledge and accept that you are using them at your own risk.

Release of Claims. In no event shall we be held liable for any damages, losses or causes of action arising out of or in connection with the use of our Services, Products, Programs or Program Materials. You acknowledge and agree that any reliance on any information, content, materials, or other items obtained through our Services, Products, Programs and/or Program Materials is at your own risk and that we shall not be responsible or liable for any damages, losses, or causes of action arising out of or in connection with such use. This includes, but is not limited to, any damages or losses arising from the loss of profits, personal or business interruptions, personal injuries, accidents, misapplication of information, or any other loss, physical or mental disease, condition or issue, or otherwise.

Your Conduct

You are responsible for ensuring that all information, data, text, software, music, sound, photographs, graphics, video, messages or other materials ("Content") that you upload, post, publish, or otherwise transmit through our Services, Products, Programs or Program Materials do not infringe any rights of any third party, including copyright, trademark, privacy, publicity or other personal or proprietary rights.

You are also responsible for ensuring that the Content you upload, post, publish or otherwise transmit through our Services, Products, Programs or Program Materials does not contain viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

You must use the Services, Products, Programs or Program Materials for lawful purposes only.  You agree that you will not use our Services, Products, Programs or Program Materials in any of the following ways:

You agree not to use the Services, Products, Programs, or Program Materials to transmit, distribute or promote any illegal, offensive, abusive, indecent, harmful, defamatory, obscene, menacing, threatening, objectionable, invasive of privacy, or infringing material or information. Additionally, you agree not to use the Services, Products, Programs, or Program Materials to transmit any software viruses or other harmful or similar computer code, or engage in commercial solicitation, mass mailings, or spam. You will not use the Services, Products, Programs, or Program Materials in a way that causes annoyance, inconvenience, or unnecessary anxiety, or impersonate any third party or provide false information about the origin of your contributions. Lastly, you will not reproduce, duplicate, copy, or resell any part of the Services, Products, Programs, or Program Materials in violation of these terms of use or any other agreement with us.

Communication Guidelines

If you have any inquiries or issues regarding your Services, Products, Programs, or Program Materials, please feel free to contact us at hello{at}createdbychicas.com and we will make every effort to respond to your inquiry or concern in a timely manner.Purchases and Online CommerceIf you choose to pay by debit or credit card, you authorize us to charge your card for payment for the Program, Product or Service without further authorization and you will receive an electronic receipt. If payment is not received by the due date, you will have a 3-day grace period to make the payment, after which access to the Program, Product or Service will be suspended. Even if you withdraw from the Program, Product or Service at any time, you will still be responsible for the full cost. We and our payment processing company may collect your name, address, payment method, credit card number, and billing information during the transaction. You agree to only purchase goods or services for yourself or for someone who you are legally permitted to do so or have obtained express consent from to provide their information.

You agree to be financially responsible for all of your purchases made through our Services, Products, Programs, and Program Materials made by you or someone on your behalf. These purchases should be made for legitimate, non-commercial purposes only and not for speculative, false, fraudulent, or illegal activities. In accordance with our refund policy, any attempt to initiate a chargeback or any actual chargeback on a purchase made through our platform will not be tolerated. Should such an incident occur, we reserve the right to report the incident to credit reporting agencies or any other relevant entity and include it in any chargeback database, which may negatively impact your credit report score. The reported information will include your name, email address, order date, order amount, and billing address. To be removed from the database, chargeback abusers will be required to make full payment for the amount of the chargeback.

You agree that any purchases made through links provided on or through our Services, Products, Programs, Program Materials, Website or our Facebook Community from an affiliate or any other individual or company (referred to as "Vendor") will result in the collection of your credit card information and contact information by the Vendor and their payment processing company. You accept that any participation, communication, or transactions with a Vendor through us as well as any purchase terms, conditions, representations, or warranties related to payment, refunds, or delivery, will be solely between you and the Vendor. We will not be held responsible or liable for any losses, damages, refunds, or other issues that may arise from your dealings with a Vendor.Payment processing companies and Vendors 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 Affiliates. In addition, when you make certain purchases through our Services, Products, Programs, Program Materials, Website or our Facebook Community you may be subject to the additional terms and conditions of a payment processing company, Vendor or us that specifically apply to your purchase. For more information regarding a Vendor and its terms and conditions that may apply, visit that Vendor’s Website and click on its information links or contact the Vendor directly.

You release us, our affiliates, our payment processing company, and Vendors 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.