PRIVACY & TERMS OF USE

The effective date of this Agreement is January 1st, 2017

Welcome to websites affiliated with Carol Howe and its affiliated sites, including carolhowe.com (collectively referred to here as “the Site” or carolhowe.com). Carol Howe, See How Life Works, LLC and/or all of its partners and affiliates will be referred to only as “Carol Howe” for the rest of this agreement while still encompassing all mentioned entities. Use of this website means you agree to the following conditions. If you visit or shop at carolhowe.com you accept these Terms of Use and our Privacy Policy (collectively “Terms”). Please read them carefully. By using our Sites, in any way, you are agreeing to comply with these Terms. In addition, when you use any current or future Carol Howe service or business you also will be subject to the guidelines, terms and agreements ("Terms") applicable to such service or business. If these conditions are inconsistent with such Terms, the Terms will control.

DISCLAIMER Everything presented on this site, and any other physical or digital materials of Carol Howe, is provided as an information resource only. It is not to be used or relied on for any diagnostic or treatment purposes. This information is not intended to be used as a substitute for professional diagnosis and treatment.

Please consult your health care provider, before making any healthcare decisions or for guidance about a specific medical, mental or emotional condition. Carol Howe and all related websites, resources and partners expressly disclaims responsibility, and shall have no liability, for any damages, loss, injury, or liability whatsoever suffered as a result of your reliance on the information contained in this site. Carol Howe does not endorse specifically this information for the diagnosis, treatment or cure of a mental, emotional or medical condition that needs to be diagnosed in person by a professional.

By visiting this site you agree to the foregoing terms and conditions, which may from time to time be changed or supplemented by Carol Howe. If you do not agree to the foregoing terms and conditions, you should not enter this website or use it any further:

100% SATISFACTION GUARANTEE If you are not happy with ANY part of my courses for ANY reason, just tell us within 10-days and you'll receive a full refund - no problem, no hassles, no risk, no worries.

ELECTRONIC COMMUNICATIONS When you visit the Site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

COPYRIGHT All content included on the Site, such as text, graphics, logos, button icons, images, photographs, audio clips, digital downloads, data compilations, and software, all improvements or modifications thereof, all derivative works based thereon, and the collection, arrangement, and assembly of the Site are owned by Carol Howe or its content suppliers and protected by United States and international copyright laws. The compilation of all content on the Site is the exclusive property of Carol Howe and protected by U.S. and international copyright laws. All software used on the Site is the property of Carol Howe or its software suppliers and protected by United States and international copyright laws.

TRADEMARKS Numerous marks, such as but not limited to CAROL HOWE, and other Site graphics, logos, page headers, button icons, scripts, and service names are common law trademarks, registered trademarks or trade dress of Carol Howe in the U.S. and/or other countries. Carol Howe's trademarks and trade dress may not be used in connection with any product or service that is not Carol Howe's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Carol Howe. All other trademarks not owned by Carol Howe that appear on the Site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Carol Howe.

LICENSE AND SITE ACCESS Carol Howe grants you a limited license to access and make personal use of the Site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Carol Howe. This license does not include any resale or commercial use of the Site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the Site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. The Site or any portion of the Site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Carol Howe. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Carol Howe without express written consent. You may not use any meta tags or any other "hidden text" utilizing Carol Howe's name or trademarks without the express written consent of Carol Howe. Any unauthorized use terminates the permission or license granted by Carol Howe. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Carolhowe.com so long as the link does not portray Carol Howe, or its products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Carol Howe logo or other proprietary graphic or trademark as part of the link without express written permission.

YOUR ACCOUNT If you use the Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Carol Howe reserves the right to refuse service, terminate accounts, remove or edit content, or cancel orders in their sole discretion.

REVIEWS, COMMENTS, COMMUNICATIONS, AND OTHER CONTENT Visitors may post comments, messages, and other content, so long as the content is not harassing, illegal, obscene, threatening, defamatory, embarrassing, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam." You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. Carol Howe reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content.

Transmitting any information, data, text, files, links, software, chats, communication or other materials that is unlawful, false, misleading, harmful, threatening, abusive, invasive of another's privacy, harassing, defamatory, vulgar, obscene, hateful or racially or otherwise objectionable, including without limitation material of any kind or nature that encourages conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, provincial, national, or international law or regulation, or encourage the use of controlled substances;

If you do post content or submit material, and unless we indicate otherwise, you grant Carol Howe a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant Carol Howe and sublicensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify Carol Howe for all claims resulting from content you supply. Carol Howe has the right but not the obligation to monitor and edit or remove any activity or content. Carol Howe takes no responsibility and assumes no liability for any content posted by you or any third party.

COPYRIGHT AND TRADEMARK COMPLAINTS Carol Howe respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement or trademark infringement, please follow our Notice and Procedure for Making Claims of Copyright Infringement and Trademark Infringement.

PRODUCT DESCRIPTIONS Carol Howe attempts to be as accurate as possible. However, Carol Howe does not warrant that product descriptions or other content of the Site is accurate, complete, reliable, current, or error-free. If a product offered by Carol Howe itself is not as described, your sole remedy is to return it in unused condition.

PRICING We cannot always confirm the price of an item until you order; however, we do not charge your credit card until after your order has entered the shipping process. Despite our best efforts, a small number of the items we offer for sale may be mispriced. If an item's correct price is higher than our stated price, we will, at our discretion, either contact you for instructions before shipping or cancel your order and notify you of such cancellation.

Please note that this policy applies only to products sold and shipped by Carol Howe.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY The site and all information, content, materials, products (including software) and services included on or otherwise made available to you through the site are provided by Carol Howe on an "as is" and "as available" basis, unless otherwise specified in writing. Carol Howe makes no representations or warranties of any kind, express or implied, as to the operation of the site or the information, content, materials, products (including software) or services included on or otherwise made available to you through the site, unless otherwise specified in writing. You expressly agree that your use of the site is at your sole risk.

To the full extent permissible by applicable law, Carol Howe disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Carol Howe does not warrant that the site; information, content, materials, products (including software) or services included on or otherwise made available to you through the site; their servers; or e-mail sent from carol howe are free of viruses or other harmful components. Carol howe will not be liable for any damages of any kind arising from the use of the site or from any information, content, materials, products (including software) or services included on or otherwise made available to you through the site, including, but not limited to direct, indirect, incidental, punitive, and consequential damages, unless otherwise specified in writing.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

INDEMNITY You agree to indemnify and hold Carol Howe and their respective affiliates, licensors, directors, officers, members, managers, employees, agents, associates, and representatives, harmless from and against any losses, costs, expenses or damages of any nature whatsoever (including attorneys fees and court costs) arising from any claim, cause of action, suit or demand of any third party due to, arising out of orrelated to (i) your access to the Site, (ii) your use of the Site, (iii) any user content posted, uploaded or transmitted by you, (iv) your use or distribution of any user content, (v) your violation of these Terms of Use, (vi) any use of your User ID or password by you or any third party, or (vii) the infringement or other violation by you, or any third party using your account or User ID or password, of any intellectual property or other right of any person or entity.

APPLICABLE LAW By visiting carolhowe.com, you agree that the laws of the state of Florida, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and Carol Howe.

DISPUTES Any dispute relating in any way to your visit to carolhowe.com or to products or services sold or distributed by Carol Howe or through carolhowe.com shall be resolved first by face- to-face mediation (each party sharing the cost for a mediator) to take place in Orlando, Florida, and if not resolved then via binding arbitration conducted in Orlando, Florida, in accordance with the rules of the American Arbitration Association.

SITE POLICIES, MODIFICATION, AND SEVERABILITY We reserve the right to make changes to the Site, policies, and these Terms of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

MISCELLANEOUS No agency, partnership, joint venture, or employment relationship is created as a result of these Terms of Use, and you do not have any authority of any kind to bind Carol Howe in any respect whatsoever. These Terms of Use, which shall be deemed accepted by you upon your use of the Site, constitute the entire agreement among you and Carol Howe regarding use of the Site. Carol Howe's failure to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of the enforcement of such right or provision. If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms of Use shall otherwise remain in full force and effect and enforceable. These Terms of Use are not assignable, transferable or sublicensable by you, except with our prior written consent. The headings in these Terms of Use are for convenience only and have no legal or contractual effect.

CONTACT AND VIOLATIONS Please contact us with any questions regarding these Terms of Service. Please report any violations or questions of the Terms of Service to [email protected]

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT AND TRADEMARK INFRINGEMENT If you believe that your work has been copied in a way that constitutes copyright infringement, or that a mark is being used that constitutes trademark infringement, kindly provide Carol Howe’s intellectual property attorney the written information specified below. Please note that this procedure is exclusively for notifying Carol Howe that your copyrighted material and/or trademark have been infringed.

A physical signature of the person authorized to act on behalf of the owner of the copyright of interest or trademark of interest. FOR COPYRIGHT INFRINGEMENT: A description of the copyrighted work that you claim has been infringed upon, including a copy of the copyright registration if one exists. FOR TRADEMARK INFRINGEMENT: The trademark that you claim has been infringed including a copy of the trademark registration if one exists, and identification of the goods and/or services associated with the alleged infringed trademark. A description of where the material that you claim is infringing is located on the Site, if applicable. Your address, telephone number, and e-mail address. A statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law. A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

PRIVACY Carol Howe may update this policy from time to time. Please check our policy periodically for changes. Your use of the Site, and any disputes arising from it, is subject to this Privacy Policy as well as our Terms of Use and all of its dispute resolution provisions including limitation on damages and choice of law. This website is a general audience site and does not knowingly collect personally identifiable information from children under 18 years of age.

We may collect personally identifiable information (for example, your full name, email address, mailing address, telephone number, or credit card number) from you when you voluntarily submit the information to us when you purchase items from us. We need this information in order to process and fulfill your order and to notify you of your order status, in order to register you as a user of this site or to provide you with services. We may also collect personally identifiable information from you if you choose to subscribe to our email program, or in connection with content or suggestions you post on this site.

Non-personally identifiable information may also be collected from you by means of Cookies and Pixel Tags. Cookies are small bits of information that this website places on your computer. We and our 3rd party service providers use cookies and Pixel Tags to identify your IP address, browser type, domain name, and specific web pages through which you click. This data is collected automatically and utilized to help us look for trends to improve our web site and your interactive experience. The cookies allow us to recognize you when you return to the website and to provide you with a customized experience that we feel will be of value to you. The cookies that are configured by this web site do not contain any personally identifying information, such as your name, or sensitive information, such as your credit card number.

Additional information regarding browser cookies and how to disable them is described below. We do not rent or sell your information to outside marketers. In certain circumstances, we may share your information, excluding credit card numbers, with our Associates that need access to your information to provide operational or other support services. To ensure the confidentiality and security of your information, our Associates have agreed to safeguard your information in strict compliance with this policy.

We also may provide information to regulatory authorities and law enforcement officials in accordance with applicable law or when we otherwise believe in good faith that the law requires it. There may be instances when we may access or disclose your information in order to protect or defend the legal rights or property of Carol Howe or our employees and agents, to protect the safety and security of users and members, and to protect against fraud. Carol Howe may sell, transfer or otherwise share some or all of its assets in connection with a merger, reorganization or sale of assets, or in the event of bankruptcy. In such an event, personal information may be one of the assets transferred.

Most web browsers allow you to exercise control over cookie files on your computer by erasing them, blocking them, or notifying you when such a file is stored. Please take a look at your particular browser for instructions on this function. We maintain reasonable and appropriate physical, electronic and procedural safeguards to protect your information. Your information is located behind a firewall. When you enter personally identifiable information, we encrypt every area that may hold credit card information using secure socket layer technology (“SSL”). While we do work very hard to protect your privacy, no method of security is 100% effective and we cannot be responsible for the actions of those who may gain unauthorized access to your personal information. Carol Howe makes no warranties, express, implied or otherwise as to the ultimate effectiveness of these reasonable and appropriate safeguards.

You can personalize your experience on the Site by registering for an Account. Once registered, you can review and maintain your account information at anytime after logging into your account. Though we will keep some personal information viewable by you once logged into your account, we do not store your credit card information. Your account information is accessible by using a password that you select. As mentioned above, from time to time we may modify this Privacy Policy to reflect industry initiatives or changes in the law, changes in our collection or use practices, or changes in our Site’s features or technology, and such modifications shall be effective upon posting on this web site. Your continued use of this web site after we post a revised Privacy Policy signifies your acceptance of the revised Privacy Policy. It is therefore important that you review this Privacy Policy regularly to ensure you are updated as to any changes.

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Use a Text section to describe more about your products or services. Make sure to break your text into easy to read paragraphs to keep visitors engaged.

The effective date of this Agreement is January 1st, 2017
<br><br>
Welcome to websites affiliated with Carol Howe and its affiliated sites, including carolhowe.com (collectively referred to here as “the Site” or carolhowe.com). Carol Howe, See How Life Works, LLC and/or all of its partners and affiliates will be referred to only as “Carol Howe” for the rest of this agreement while still encompassing all mentioned entities. Use of this website means you agree to the following conditions. If you visit or shop at carolhowe.com you accept these Terms of Use and our Privacy Policy (collectively “Terms”). Please read them carefully. By using our Sites, in any way, you are agreeing to comply with these Terms. In addition, when you use any current or future Carol Howe service or business you also will be subject to the guidelines, terms and agreements ("Terms") applicable to such service or business. If these conditions are inconsistent with such Terms, the Terms will control.
<br><br>
DISCLAIMER
Everything presented on this site, and any other physical or digital materials of Carol Howe, is provided as an information resource only. It is not to be used or relied on for any diagnostic or treatment purposes. This information is not intended to be used as a substitute for professional diagnosis and treatment.
<br><br>
Please consult your health care provider, before making any healthcare decisions or for guidance about a specific medical, mental or emotional condition. Carol Howe and all related websites, resources and partners expressly disclaims responsibility, and shall have no liability, for any damages, loss, injury, or liability whatsoever suffered as a result of your reliance on the information contained in this site. Carol Howe does not endorse specifically this information for the diagnosis, treatment or cure of a mental, emotional or medical condition that needs to be diagnosed in person by a professional.
<br><br>
By visiting this site you agree to the foregoing terms and conditions, which may from time to time be changed or supplemented by Carol Howe. If you do not agree to the foregoing terms and conditions, you should not enter this website or use it any further:
<br><br>

100% SATISFACTION GUARANTEE
If you are not happy with ANY part of my courses for ANY reason, just tell us within 30-days and you'll receive a full refund - no problem, no hassles, no risk, no worries.

<br><br>
ELECTRONIC COMMUNICATIONS
When you visit the Site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
<br><br>
COPYRIGHT
All content included on the Site, such as text, graphics, logos, button icons, images, photographs, audio clips, digital downloads, data compilations, and software, all improvements or modifications thereof, all derivative works based thereon, and the collection, arrangement, and assembly of the Site are owned by Carol Howe or its content suppliers and protected by United States and international copyright laws. The compilation of all content on the Site is the exclusive property of Carol Howe and protected by U.S. and international copyright laws. All software used on the Site is the property of Carol Howe or its software suppliers and protected by United States and international copyright laws.
<br><br>
TRADEMARKS
Numerous marks, such as but not limited to CAROL HOWE, and other Site graphics, logos, page headers, button icons, scripts, and service names are common law trademarks, registered trademarks or trade dress of Carol Howe in the U.S. and/or other countries. Carol Howe's trademarks and trade dress may not be used in connection with any product or service that is not Carol Howe's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Carol Howe. All other trademarks not owned by Carol Howe that appear on the Site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Carol Howe.
<br><br>
LICENSE AND SITE ACCESS
Carol Howe grants you a limited license to access and make personal use of the Site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Carol Howe. This license does not include any resale or commercial use of the Site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the Site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. The Site or any portion of the Site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Carol Howe. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Carol Howe without express written consent. You may not use any meta tags or any other "hidden text" utilizing Carol Howe's name or trademarks without the express written consent of Carol Howe. Any unauthorized use terminates the permission or license granted by Carol Howe. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Carolhowe.com so long as the link does not portray Carol Howe, or its products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Carol Howe logo or other proprietary graphic or trademark as part of the link without express written permission.
<br><br>
YOUR ACCOUNT
If you use the Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Carol Howe reserves the right to refuse service, terminate accounts, remove or edit content, or cancel orders in their sole discretion.
<br><br>
REVIEWS, COMMENTS, COMMUNICATIONS, AND OTHER CONTENT
Visitors may post comments, messages, and other content, so long as the content is not harassing, illegal, obscene, threatening, defamatory, embarrassing, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam." You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. Carol Howe reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content.
<br><br>
Transmitting any information, data, text, files, links, software, chats, communication or other materials that is unlawful, false, misleading, harmful, threatening, abusive, invasive of another's privacy, harassing, defamatory, vulgar, obscene, hateful or racially or otherwise objectionable, including without limitation material of any kind or nature that encourages conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, provincial, national, or international law or regulation, or encourage the use of controlled substances;
<br><br>
If you do post content or submit material, and unless we indicate otherwise, you grant Carol Howe a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant Carol Howe and sublicensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify Carol Howe for all claims resulting from content you supply. Carol Howe has the right but not the obligation to monitor and edit or remove any activity or content. Carol Howe takes no responsibility and assumes no liability for any content posted by you or any third party.
<br><br>
COPYRIGHT AND TRADEMARK COMPLAINTS
Carol Howe respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement or trademark infringement, please follow our Notice and Procedure for Making Claims of Copyright Infringement and Trademark Infringement.
<br><br>
PRODUCT DESCRIPTIONS
Carol Howe attempts to be as accurate as possible. However, Carol Howe does not warrant that product descriptions or other content of the Site is accurate, complete, reliable, current, or error-free. If a product offered by Carol Howe itself is not as described, your sole remedy is to return it in unused condition.
<br><br>
PRICING
We cannot always confirm the price of an item until you order; however, we do not charge your credit card until after your order has entered the shipping process. Despite our best efforts, a small number of the items we offer for sale may be mispriced. If an item's correct price is higher than our stated price, we will, at our discretion, either contact you for instructions before shipping or cancel your order and notify you of such cancellation.
<br><br>
Please note that this policy applies only to products sold and shipped by Carol Howe.
<br><br>
DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
The site and all information, content, materials, products (including software) and services included on or otherwise made available to you through the site are provided by Carol Howe on an "as is" and "as available" basis, unless otherwise specified in writing. Carol Howe makes no representations or warranties of any kind, express or implied, as to the operation of the site or the information, content, materials, products (including software) or services included on or otherwise made available to you through the site, unless otherwise specified in writing. You expressly agree that your use of the site is at your sole risk.
<br><br>
To the full extent permissible by applicable law, Carol Howe disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Carol Howe does not warrant that the site; information, content, materials, products (including software) or services included on or otherwise made available to you through the site; their servers; or e-mail sent from carol howe are free of viruses or other harmful components. Carol howe will not be liable for any damages of any kind arising from the use of the site or from any information, content, materials, products (including software) or services included on or otherwise made available to you through the site, including, but not limited to direct, indirect, incidental, punitive, and consequential damages, unless otherwise specified in writing.
<br><br>
Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.
<br><br>
INDEMNITY
You agree to indemnify and hold Carol Howe and their respective affiliates, licensors, directors, officers, members, managers, employees, agents, associates, and representatives, harmless from and against any losses, costs, expenses or damages of any nature whatsoever (including attorneys fees and court costs) arising from any claim, cause of action, suit or demand of any third party due to, arising out of orrelated to (i) your access to the Site, (ii) your use of the Site, (iii) any user content posted, uploaded or transmitted by you, (iv) your use or distribution of any user content, (v) your violation of these Terms of Use, (vi) any use of your User ID or password by you or any third party, or (vii) the infringement or other violation by you, or any third party using your account or User ID or password, of any intellectual property or other right of any person or entity.
<br><br>
APPLICABLE LAW
By visiting carolhowe.com, you agree that the laws of the state of Florida, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and Carol Howe.
<br><br>
DISPUTES
Any dispute relating in any way to your visit to carolhowe.com or to products or services sold or distributed by Carol Howe or through carolhowe.com shall be resolved first by face- to-face mediation (each party sharing the cost for a mediator) to take place in Orlando, Florida, and if not resolved then via binding arbitration conducted in Orlando, Florida, in accordance with the rules of the American Arbitration Association.
<br><br>
SITE POLICIES, MODIFICATION, AND SEVERABILITY
We reserve the right to make changes to the Site, policies, and these Terms of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.
<br><br>
MISCELLANEOUS
No agency, partnership, joint venture, or employment relationship is created as a result of these Terms of Use, and you do not have any authority of any kind to bind Carol Howe in any respect whatsoever. These Terms of Use, which shall be deemed accepted by you upon your use of the Site, constitute the entire agreement among you and Carol Howe regarding use of the Site.

Carol Howe's failure to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of the enforcement of such right or provision. If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms of Use shall otherwise remain in full force and effect and enforceable. These Terms of Use are not assignable, transferable or sublicensable by you, except with our prior written consent. The headings in these Terms of Use are for convenience only and have no legal or contractual effect.
<br><br>
CONTACT AND VIOLATIONS
Please contact us with any questions regarding these Terms of Service. Please report any violations or questions of the Terms of Service to [email protected]
<br><br>
NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT AND TRADEMARK INFRINGEMENT
If you believe that your work has been copied in a way that constitutes copyright infringement, or that a mark is being used that constitutes trademark infringement, kindly provide Carol Howe’s intellectual property attorney the written information specified below. Please note that this procedure is exclusively for notifying Carol Howe that your copyrighted material and/or trademark have been infringed.
<br><br>
A physical signature of the person authorized to act on behalf of the owner of the copyright of interest or trademark of interest.
FOR COPYRIGHT INFRINGEMENT: A description of the copyrighted work that you claim has been infringed upon, including a copy of the copyright registration if one exists.
FOR TRADEMARK INFRINGEMENT: The trademark that you claim has been infringed including a copy of the trademark registration if one exists, and identification of the goods and/or services associated with the alleged infringed trademark.
A description of where the material that you claim is infringing is located on the Site, if applicable.
Your address, telephone number, and e-mail address.
A statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.
<br><br>
PRIVACY
Carol Howe may update this policy from time to time. Please check our policy periodically for changes. Your use of the Site, and any disputes arising from it, is subject to this Privacy Policy as well as our Terms of Use and all of its dispute resolution provisions including limitation on damages and choice of law. This website is a general audience site and does not knowingly collect personally identifiable information from children under 18 years of age.
<br><br>
We may collect personally identifiable information (for example, your full name, email address, mailing address, telephone number, or credit card number) from you when you voluntarily submit the information to us when you purchase items from us. We need this information in order to process and fulfill your order and to notify you of your order status, in order to register you as a user of this site or to provide you with services. We may also collect personally identifiable information from you if you choose to subscribe to our email program, or in connection with content or suggestions you post on this site.
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Non-personally identifiable information may also be collected from you by means of Cookies and Pixel Tags. Cookies are small bits of information that this website places on your computer. We and our 3rd party service providers use cookies and Pixel Tags to identify your IP address, browser type, domain name, and specific web pages through which you click. This data is collected automatically and utilized to help us look for trends to improve our web site and your interactive experience. The cookies allow us to recognize you when you return to the website and to provide you with a customized experience that we feel will be of value to you. The cookies that are configured by this web site do not contain any personally identifying information, such as your name, or sensitive information, such as your credit card number.
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Additional information regarding browser cookies and how to disable them is described below.
We do not rent or sell your information to outside marketers.
In certain circumstances, we may share your information, excluding credit card numbers, with our Associates that need access to your information to provide operational or other support services. To ensure the confidentiality and security of your information, our Associates have agreed to safeguard your information in strict compliance with this policy.
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We also may provide information to regulatory authorities and law enforcement officials in accordance with applicable law or when we otherwise believe in good faith that the law requires it. There may be instances when we may access or disclose your information in order to protect or defend the legal rights or property of Carol Howe or our employees and agents, to protect the safety and security of users and members, and to protect against fraud. Carol Howe may sell, transfer or otherwise share some or all of its assets in connection with a merger, reorganization or sale of assets, or in the event of bankruptcy. In such an event, personal information may be one of the assets transferred.
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Most web browsers allow you to exercise control over cookie files on your computer by erasing them, blocking them, or notifying you when such a file is stored. Please take a look at your particular browser for instructions on this function. We maintain reasonable and appropriate physical, electronic and procedural safeguards to protect your information. Your information is located behind a firewall. When you enter personally identifiable information, we encrypt every area that may hold credit card information using secure socket layer technology (“SSL”). While we do work very hard to protect your privacy, no method of security is 100% effective and we cannot be responsible for the actions of those who may gain unauthorized access to your personal information. Carol Howe makes no warranties, express, implied or otherwise as to the ultimate effectiveness of these reasonable and appropriate safeguards.
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You can personalize your experience on the Site by registering for an Account. Once registered, you can review and maintain your account information at anytime after logging into your account. Though we will keep some personal information viewable by you once logged into your account, we do not store your credit card information. Your account information is accessible by using a password that you select.
As mentioned above, from time to time we may modify this Privacy Policy to reflect industry initiatives or changes in the law, changes in our collection or use practices, or changes in our Site’s features or technology, and such modifications shall be effective upon posting on this web site. Your continued use of this web site after we post a revised Privacy Policy signifies your acceptance of the revised Privacy Policy. It is therefore important that you review this Privacy Policy regularly to ensure you are updated as to any changes.