top of page
Privacy & Safety

TERMS & CONDITIONS

​Please read these Terms of Use ("Terms", "Terms of Use") carefully before using the www.spicedwife.com website or enrolling in any of our programs (the "Service") operated by Spiced Wife (Herein listed as "Company" "us", "we", or "our"). Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service. By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.


We have developed these Terms of Use to govern your use of this World Wide Web Site. Your use of our site tells us you have read and agreed to these Terms of Use. Please read them carefully. These Terms of Use represent a binding contract regarding your use of our website. If you do not agree with any of these terms, please exit the website. 

 

By using this site and making any purchases from Spiced Wife (and spicedwifeshop.com) you agree that:

  • You are a woman (defined by physical birth) and married to a man (defined by physical birth) in a marriage defined by God in the Holy Bible.

  • You have read the “What We Believe” section under the About tab and understand this is a membership, based on the belief of Jesus Christ and the Holy Bible.

  • The information provided by Spiced Wife within the membership site is for your personal use only and that you will not share it with others.

  • You are not a money manager, institutional trader, professional family office, or publisher of an investment blog or newsletter seeking to use any information presented within the site.

  • You will not post any information generated by Spiced Wife or its members on any other internet site or by any other means without prior consent.

  • You will respect everyone’s privacy.

    • Being part of this group requires mutual trust. Authentic, expressive discussions make groups great, but may also be sensitive and private. What's shared in the group should stay in the group.

  • You will be kind and courageous.

    • We're all in this together to create a welcoming environment. Let's treat everyone with respect. Healthy debates are natural, Godly conviction is necessary, but kindness is required.

    • Profanity, negativity, slandering, belittling, and any other form of ungodliness is strictly prohibited, and your membership will be terminated without reimbursement.

    • When speaking of a sexual topic the medical terms of genital parts shall be used. Penis and Vagina are the only words permissible to be used in their proper form.

  • You will not post promotions or spam.

    • Give respect to the wives who are here to grow. Self-promotion, spam and irrelevant links aren't allowed and can cause you to be removed without reimbursement.

  • You will not post hate speech or bullying.

    • Make sure everyone feels safe. Bullying or trolling of any kind isn't allowed, and degrading comments about anything will not be tolerated. Membership will be revoked without reimbursement.

    • There is no discrimination due to race, disability, or political preference.

  • You will not give your membership access to others.

    • Due to the transparency and sensitivity of topics, any joint page is requested to only have participation from the confirmed member. We ask that husbands and those who are single please respect their privacy.

  • You will not hold Spiced Wife or anyone connected to Spiced Wife responsible for any negative events in your life or marriage. ​


General

We at Spiced Wife respect Your privacy. This Privacy Policy is designed to explain how We collect, use, share, and protect the personal information You provide to us when You access Our website, purchase Our goods or services, or engage with us on social media, as well as Your own rights to the information We collect.

Please read this Privacy Policy carefully. We will alert You to any changes to this Policy by changing the “last updated” date at the top of this Policy. Any changes become effective immediately upon publication on Our website, and You waive specific notice of any changes to the Policy by continuing to use and access Our site(s). We encourage You to review this Privacy Policy periodically, when You use Our website for any purpose or engage with us on social media. You are deemed to have accepted any changes to any revised Privacy Policy by Your continued use of Our website after the revised Privacy Policy is posted. For any privacy-related questions, you can reach us at info@spicedwife.com.

Information Collected
We collect a variety of information from You when You visit Our website, make purchases, or interact with us on social media. By accepting this Privacy Policy, You are specifically consenting to Our collection of the data described below, to Our use of the data, to the processing of this data, and to Our sharing of the data with third-party processors as needed for Our legitimate business interests The information We collect may include:

Personal Data: Personal Data is information that can be used to identify You specifically, including Your name, shipping address, email address, telephone number or demographic information like Your age, gender, or hometown. You consent to giving us this information by providing it to us voluntarily on Our website or any mobile application. You provide some of this information when You register with or make purchases from Our website. You may also provide this information by participating in various activities associated with Our site, including responding to blogs, contacting us with questions, or participating in group training. Your decision to disclose this data is entirely voluntary. You are under no obligation to provide this information, but Your refusal may prevent You from accessing certain benefits from Our website or from making purchases.

Derivative Data: Derivative data is information that Our servers automatically collect about You when You access Our website, such as Your IP address, browser type, the dates and times that You access Our website, and the specific pages You view. If You are using a mobile application, Our servers may collect information about Your device name and type, Your phone number, Your country of origin, and other interactions with Our application.

Financial Data: Financial data is data that is related to Your payment method, such as credit card or bank transfer details. We collect financial data in order to allow You to purchase, order, return or exchange products or services from Our website and any related mobile apps. We store limited financial data. Most financial data are transferred to Our payment processor and You should review these processors’ Privacy Policy to determine how they use, disclose and protect Your financial data.

Social Networking Data: We may access personal information from social networking sites and apps, including Facebook, Instagram, Linkedin, Twitter, Snapchat or other social networking sites or apps not named specifically here, which may include Your name, Your social network username, location, email address, age, gender, profile picture, and any other public information. If You do not want us to access this information, please go to the specific social networking site and change Your privacy settings.

Mobile Device Data: If You use Our website via a mobile device or app, We may collect information about Your mobile device, including device ID, model and manufacturer, and location information.

Other data: On occasion, You may give us additional data in order to enter into a contest or giveaway or to participate in a survey. You will be prompted for this information and it will be clear that You are offering this kind of information in exchange for an entry into such a contest or giveaway.

Use of Information
Your information allows us to offer You certain products and services, including the use of Our website, to fulfill Our obligations to You, to customize Your interaction with Our company and Our website, and to allow us to suggest other products and services We think might interest You. We generally store Your data and transmit it to a third-party for processing. However, to the extent We process Your data, We do so to serve Our legitimate business interests (such as providing You with the opportunity to purchase Our goods or services and interact with Our website).

Specifically, We may use the information and data described above to:
1. Create and administer Your account; and
2. Deliver any products or services purchased by You to You; and
3. Correspond with You; and
4. Process payments or refunds; and
5. Contact You about new offerings that We think You will be interested in; and
6. Interact with You via social media; and
7. Send You a newsletter or other updates about Our company or website; and
8. Deliver targeted advertising; and
9. Request feedback from You; and
10. Notify You of updates to Our product and service offerings; and
11. Resolve disputes and troubleshoot any problems; and
12. Administer contests or giveaways; and
13. Generate a profile that is personalized to You, so that future interactions with Our website will be more personal; and
14. Compile anonymous statistical data for Our own use or for a third-party’s use; and
15. Assist law enforcement as necessary; and
16. Prevent fraudulent activity on Our website or mobile app; and
17. Analyze trends to improve Our website and offerings.

Disclosure of Information
We may share Your information with third parties in certain situations. In particular, We may share Your data with third-party processors as needed to serve Our legitimate business interests, which include administration of Our website, administration of Your account, entering into contracts with You, communicating with You, taking orders for goods or services, delivering Our goods and services, identifying trends, protecting the security of Our company and website, and marketing additional goods and services to You. The legal basis for Our disclosure of Your data is both Your Consent to this Privacy Policy and Our own right to protect and promote Our legitimate business interests.

The following are specific reasons why We may share Your information.

Third-party Processing

We may disclose Your information to third parties who assist us with various tasks, including payment processing, hosting services, email delivery and customer service. For more information, see the “Third-party Processing” Section below.

By Law

We may share Your data as required by law or to respond to legal process, including a subpoena, or as necessary to protect the rights, property, and safety of others. This includes sharing information with other parties to prevent or address fraud and to avoid credit risks.

To Protect Our Company

We may use Your information to protect Our company, including to investigate and remedy any violations of Our rights or policies. We may also disclose Your information as reasonably necessary to acquire and maintain insurance coverage, manage risks, obtain financial or legal advice, or to exercise or defend against legal claims.

Affiliates

We may share Your personal information with Our business affiliates who promote Our product(s) or service(s) for a commission fee. We require Our affiliates to honor this Privacy Policy. They are not allowed to spam You and must disclose they are an affiliate for us. If they do not do so, they are in violation of their affiliate terms and this Privacy Policy, and any violation of this nature should be reported to [enter email].

Advertisers

We may use third-party advertising companies to run and manage Our ads to produce ads that appears when You visit Our Website or mobile app. These companies may use information about Your visit to Our website and other websites that are contained in web cookies (as described below) to offer You personalized advertisements about goods and services that might interest You. We cannot control the activities of, such other advertisers or web sites. You should consult the respective Privacy Policies of these third-party advertisers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices.

Other third parties

We may share information with advertisers, Our investors, or other third-parties for the purpose of conducting general business analysis. If We do so, We will make reasonable efforts to inform You if required by law.

Sale or Bankruptcy

In the event that Our company is sold, goes out of business or enters bankruptcy, Your information may be an asset that is transferred to a third-party successor. Such a successor is not bound by Our Privacy Policy and may have its own. You will be notified in the event Our Company is sold, goes out of business or enters bankruptcy.

Interaction with others

If You interact with others on Our website or mobile app, such as participating in a group chat or a group online course, other users may have access to some of Your data, including Your name, profile picture, and Your history of interaction with Our website, such as prior comments or posts.

Online postings

When You post online, Your posts may be viewed by others, and We may distribute Your comments outside the website.

External Links

Our website may include hyperlinks to other websites not controlled by us. We suggest You exercise caution when clicking on a hyperlink. Although We use reasonable care in including a hyperlink on Our own web page, We do not regularly monitor the websites of these third-parties, are not responsible for any damage or consequences You suffer by using these hyperlinks. We are not bound by the Privacy Policies of any third-party website that You access by a hyperlink, nor are they bound by ours. We encourage You to read the Policies of those third-party websites before interacting with them or making purchases. They may collect different information and use? different methods than We do.

Other purposes

We may disclose Your personal data as necessary to protect Your interests, or the vital interests of others or Our company.

Tracking Technologies - Cookies, Log Files and Web Beacons

Like many other websites, We makes use of log files. These files merely logs visitors to the site – usually a standard procedure for hosting companies and a part of hosting services’ analytics. The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the number of clicks. This information is used to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses and other such information are not linked to any information that is personally identifiable.

We also use cookies - small text files sent to us by Your computer - and web beacons to store certain information. We may use cookies to authenticate Your identity, to determine if You are logged onto Our website, for personalization, for security, for targeted advertising, or for analysis of the performance of Our website and services. For example, cookies allow us to recommend blog posts to You based on what You have read on Our site in the past. We use cookies that are not specific to Your account but unique enough to allow us to analyze general trends and use, and to customize Your interaction with Our website.

Most browsers are set to accept cookies by default. In addition, when You first encounter Our website, You will be asked to “consent to cookies.” If You wish to disable cookies, You may do so through Your individual browser options. However, this may affect Your ability to use or make purchases from Our website. By continuing to use Our website and not disabling cookies on Your browser, You are consenting to Our use of cookies in accordance with the terms of this policy.

In addition, We may use third-party software to post advertisements on Our website or mobile app to oversee marketing or email campaigns, or manage other company initiatives. These third-party softwares may use cookies or similar tracking technology. We have no control over these third-parties or their use of cookies. For more information on opting out of interest-based ads, visit the Network Advertising Initiative Opt-Out Tool or Digital Advertising Alliance Opt-Out Tool.

Website Analytics
We may partner with third-party analytic companies, including but not limited to Google Analytics. The analytic companies may also use cookies or other tracking technologies to analyze visitors’ use of Our website or mobile app to determine the popularity of the content, and better understand online activity. We do not transfer personal information to these third-party vendors.

Processing Your Information
In most circumstances, We do not process Your information in-house, but give it to third-party processors for processing. For example, when PayPal takes Your payment information, they are a third-party processor. They process Your payment and remit the funds to Us.

We may, from time to time, process Your data internally. Our purposes in processing this information is to administer, maintain, and improve Our website and offerings, to enter into contracts with You, to fulfill the terms of those contracts, to keep records of Our transactions and interactions, to be able to provide You with goods and services, to comply with Our legal obligations, to obtain professional advice, and to protect the rights and interests of Our company, Our customers (including You), and any third-parties. We may process the following data:

1. Data associated with Your account, such as Your name, address, email address and payment information
2. Data about Your usage of Our website, such as Your IP address, geographical information, and how long You accessed Our website and what You viewed.
3. Data related to Your personal profile, such as Your name, address, profile picture, interests and hobbies, or employment details.
4. Data that You provide us in the course of using Our services.
5. Data that You post on Our website, such as comments or responses to blogs.
6. Data that You submit to us when You make an inquiry regarding Our website or offerings.
7. Data related to Your transactions with us, including Your purchase of Our goods or services. This information may include contact details and payment information.
8. Data that You provide to us when You subscribe to Our emails or newsletters, including Your email address and contact information.
9. Data that You submit to us via correspondence, such as when You email us with questions.
10. Any other data identified in this policy, for the purpose of complying with Our legal obligations, or to protect the vital interests of You or any other natural person.

Data Retention
We retain personal data as long as it is needed to conduct Our legitimate business purposes or to comply with Our legal obligations, or until You ask us to delete Your data. For example, We will retain certain personal information indefinitely for the purposes of maintaining Your account, unless and until You delete Your account. Data that We gather for a specific and particular purpose, such as assisting law enforcement or analyzing trends, will not be kept for longer than is necessary for that particular purpose. Data that is no longer needed by us for any of the purposes listed above will be permanently deleted.

You may request that We delete Your data at any time. However, note that We cannot control the retention policies of third parties. If You wish to have any third parties, including those to whom We’ve transmitted Your data, delete that data, You will need to contact those third-parties directly. You may request from us a list of all third parties to whom We have transmitted Your data.

Minors
This website is not designed for use by children under age 18, and We do not knowingly solicit personal data from anyone under age 18. If You are under age 18, do not access or use Our website or related products or services. If You become aware that We have collected data of anyone under the age of 18, please contact us so that We may delete that data.

Your Rights
You have certain rights with respect to Your personal data, as outlined within this Privacy Policy. We may charge You a reasonable fee for actions that You ask us to take with respect to Your data. We also reserve the right to request that You provide us with evidence of Your identity before We take any action with respect to the exercise of Your data rights. Further, Your rights may be restricted or nullified to the extent they conflict with Our compelling business interests, the public interest, or the law.

Update Account Information: You have the right to update or change any information You have provided to us. To update or delete Your information, please contact us at info@spicedwife.com.

Confirm Personal Data and Its Use

You have the right to request that We confirm what data We hold about You, and for what purposes. You also have the right to confirmation of whether We process Your data or deliver Your data to third-party processors, and for what purposes. We will supply You with copies of Your personal data unless doing so would affect the rights and freedoms of others.

Change Consent

You have the right to change Your consent to Our use of Your information. In such cases, We may require You to delete Your account with us, as described above, and You may not have full access to Our website.

Opt-Out of Communications

If you do not wish to receive marketing communications from Us, you can unsubscribe via the link in an email you have received.

Request a Copy of Data

You have the right to request a digital copy of the data that We hold about You. Your first request for a copy of Your personal data will be provided free of charge; subsequent requests will incur a reasonable fee.

Transfer Your Data

You have the right to request that We gather and transfer Your data to another controller, in a commonly used and machine-readable format, unless doing so would cause us an undue burden.

Delete All Data

You have the right to request that We delete all data that We hold about You, and We must delete such data without undue delay. There are exceptions to this right, such as when keeping Your data is required by law, is necessary to exercise the right of freedom of expression and information, is required for compliance with a legal obligation, or is necessary for the exercise or defense of legal claims. Such a request may result in a termination of Your account with us and You may have limited or no use of Our website.

Marketing Communications

You may opt out of receiving any third-party marketing communications or having Your personal information used for marketing purposes.

Processing

In some circumstances You may restrict the processing of Your data, such as when You contest the accuracy of Your data or when You have objected to processing, pending the verification of that objection. When processing has been restricted, We will continue to store Your data but will not pass it on to third-party processors without Your consent, or as necessary to comply with legal obligations or protect Your rights or those of others or Our company. In addition, You may opt out of any processing of Your data altogether. Doing so may result in the termination of Your account and loss of access to Our website.

Complaints

You have the right to complain to a supervising authority if You believe We are misusing Your data or have violated any of Your rights under this Privacy Policy or applicable law.

Newsletter and Marketing
You may volunteer certain information to Us that is used for email and marketing purposes. This information includes, but is not limited to, Your name and email. You can unsubscribe from any future communications via email, but We reserve the right to maintain a database of past email subscribers. We reserve the right to use this information as reasonably necessary in Our business and as provided by law. Your information will be shared with reasonably necessary parties for the ordinary course of conducting Our business, such as through Facebook ads or other marketing campaigns.

Data Breach Procedures
We take all reasonable steps to protect Your personal data and keep Your information secure. We use recognized online secure payment systems and implement generally accepted standards of security to protect against personal data loss or misuse. However, no security measure is foolproof, and no method of data transmission can be guaranteed against interception or misuse. We cannot guarantee complete security of any information You transmit to us.

By consenting to this Privacy Policy, You acknowledge that Your personal data may be available, via the internet, around the world. We cannot prevent the use or misuse of Your data by other parties.

In the unlikely event customer data has been lost, stolen, or potentially compromised, Our policy is to alert our customers via email no later than 72 hours of Our company becoming aware of the event. We will also report such incident to any required data protection authority. We will work closely with any customers affected to determine next steps such as any end-user notifications, needed patches, and how to avoid any similar event in the future.

Privacy Policy Changes
Although most changes are likely to be minor, We may change our Privacy Policy from time to time, and at Our sole discretion.

Notice to California Residents
The California Privacy Protection Act and the California Business and Professions Code require that We summarize Your privacy rights. Company will provide You with the categories of personally identifiable information that is collected through this website and the categories of third-party entities with whom such personal information may be used at Your request. California law allows You to control who We can and cannot share your personal information with. To obtain any information You are entitled to under California law, please send a request by email or through contact form on this website. There is no charge to requesting this information from Company.

International Privacy and GDPR Disclaimer
This website’s servers are located within the United States. Thus, if you are visiting this website from outside the United States, you agree that you are sending information to the United States. If you are a member of the EU, Your data is protected by appropriate safeguards, namely the EU-US Privacy Shield and GDPR. By clicking submit to any opt ins on this website, You consent to the collection of your name and email and will receive communications from Company. You have the right to object to the processing of Your data at any time. 

​

Payment/Automatic Renewal
You agree to be charged at the time of subscription, based on the type of plan you have selected. There are no reimbursements. Your subscription will be renewed automatically and billed to your credit card/PayPal account at the beginning of each subscription period until you cancel the service. You may cancel at any time by following the procedure described in our Cancellation Policy below. The monthly subscription plans are renewed automatically on 30-day intervals, and the annual subscription plans are renewed automatically on 365-day intervals. Any request for a refund is of the decision of Spiced Wife LLC and is not guaranteed. We do not accept returns or issue refunds unless there is proven damage. If you receive a damaged product please email info@spicedwife.com with a picture of the package and item showing the damage.

​Disclaimers
The articles and information generated by Spiced Wife is for informational purposes only and is not intended as legal or medical advice. Spiced Wife is not a licensed counseling service and we do not provide clinical counseling or anything that requires licensing. We are a mentoring company that can be compared to counseling styles. Any decisions you make based on information found on our website or given in mentoring sessions are entirely your responsibility.

Limitations of liability
Spiced Wife will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website for any direct loss; for any indirect, special or consequential loss; or for any personal loss, business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

​While we use reasonable efforts to include accurate and up-to-date information, we make no warranties or representations as to the accuracy of the content and assume no liability or responsibility for any error or omission in the content. Spiced Wife does not represent or warrant that use of any content will not infringe rights of third parties.

Spiced Wife has no responsibility for actions of third parties or for content provided or posted by others. All information provided are to be construed only as opinions and are to be used as an information service only. It is always wise for an individual to seek God for themselves in moving forward with any advice given to them by anyone associated with Spiced Wife. We assume no responsibility for the loss of confidentiality for any information that you transmit to us via the Internet.

​This website may contain links to non-Spiced Wife websites. These links are provided to you only as a convenience. Such linked websites are not under the control of Spiced Wife. Spiced Wife is not responsible for the content of any linked website, or any link contained in a linked website. The inclusion of any link does not imply endorsement by Spiced Wife website, and Spiced Wife shall have no responsibility for information that is referenced by or linked to this website.

Non-Disclosure of personal information
Spiced Wife LLC does not disclose any nonpublic information that personally pertains to you, except as required by law. We disclose information only when it is necessary for the conduct of Federal government business, or under circumstances where disclosure is provided by law. We do not disclose information about you to other entities who may want to sell their products to you.

No Warranties
The information on this website is provided "as is", "as available" and all warranties, express or implied, are disclaimed (including but not limited to the disclaimer of any implied warranties of merchantability and fitness for a particular purpose). All responsibility and liability for any damages caused by viruses contained within the electronic files of this website are disclaimed. The information may contain errors, problems or other limitations. As a condition to our providing the information on this website, the viewer agrees that we are not liable for any indirect, special, incidental, consequential damages or any other damages (including damages for loss of business, loss of profits, litigation or the like), whether based on breach of contract, breach of warranty, tort (including negligence), product liability or otherwise, even if advised of the possibility of such damages. We would not provide this website and information without such limitations. No representations, warranties or guarantees whatsoever are made as to the accuracy, adequacy, reliability, currency, completeness, suitability or applicability of the information to a particular situation.

​While we use reasonable efforts to include accurate and up-to-date information, we make no warranties or representations as to the accuracy of the content and assume no liability or responsibility for any error or omission in the content. Spiced Wife does not represent or warrant that use of any content will not infringe the rights of third parties. Spiced Wife has no responsibility for actions of third parties or for the content provided or posted by others. Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit.

Reasonableness
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use this website.

Conformance with Law
You agree that your use of this Site or any services, books, coaching, etc. will not violate any applicable local, national or international law, including but not limited to any regulations having the force of law. Some jurisdictions may have restrictions on the use of the Internet by their residents. You agree not to impersonate any person in your use of the Site or the sending of any e-mail to an address listed on the Site. You agree you will not hold Spiced Wife/Ashlyn R. Watkins liable for any indirect, consequential, or special damages arising out of or in connection with any rendered services. You agree that you are responsible for your own achievements and success and acknowledge that services provided withing this website are a collaborative process.

​Legal Form
Any dispute between the parties that results in litigation shall be exclusively heard in the Courts sitting in San Diego, Ca. If you do not agree to the terms in this document, immediately discontinue any use of this Site. If you have any questions about these Terms, please contact us.

​

Life Coaching Disclaimer

1. No Guarantees: Life coaching is not a substitute for professional advice, including medical, psychological, or legal advice. Results vary from person to person, and while coaching can be beneficial, there are no guarantees of specific outcomes.

2. Not Therapy: Life coaching is not psychotherapy, counseling, or mental health treatment. If you are experiencing mental health issues, emotional distress, or other medical conditions, please seek help from a qualified mental health professional.

3. Personal Responsibility: Coaching is a collaborative process that requires active participation and commitment from the client. It is your responsibility to make decisions and take actions based on your own judgment and circumstances.

4. Confidentiality: All information shared during coaching sessions will be kept confidential, except where disclosure is required by law or if there is a risk of harm to yourself or others.

5. No Professional Licensing: I am not a licensed therapist, psychologist, or medical professional. My services are based on coaching techniques and personal experience, and should not be considered a substitute for professional advice.

6. Financial Responsibility: You are responsible for any fees or costs associated with coaching sessions. Payment terms and conditions will be outlined in the coaching agreement.

7. Voluntary Participation: You may choose to discontinue coaching at any time. If you decide to end the coaching relationship, please provide notice as specified in the coaching agreement.

8. Limitation of Liability: I am not liable for any indirect, incidental, or consequential damages resulting from the use of coaching services. My liability is limited to the amount paid for the coaching services.

9. Agreement to Terms: By engaging in life coaching services, you acknowledge that you have read and understood this disclaimer and agree to its terms.

bottom of page