Acceptance

Welcome to https://latinamoneycoach.com!

Erika Settles (“Company”, “we”, “us”, or “our”) is the owner and operator of this website, https://latinamoneycoach.com, (the “site”). These Terms and Conditions govern your use of our website. Access to and use of this site is subject to the following Terms and Conditions and other applicable laws. You agree that by using this site, you are at least 18 years of age or visiting under the supervision of a parent or guardian, and legally able to enter into a contract. If you disagree with any part of these Terms and Conditions, it is your choice to refrain from using our website. Use of the term “site” and “website” are interchangeable and they refer to the online presence located at the following address: https://latinamoneycoach.com.

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and us in relation to your use of our website and supersede all previous agreements in respect of your use of this website. These Terms and Conditions are effective as of April 27, 2024.

Variation

We may revise these Terms and Conditions from time-to-time. Revised Terms and Conditions will apply to the use of our website from the date of the publication of the revised Terms and Conditions on our website. Please check this page regularly to ensure you are familiar with the current version.

Intellectual Property

In this instance, “our Intellectual Property” is hereby described as including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof on this site. They are owned by Erika Settles, its licensors or other providers of such material and are protected by the United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Subject to the license below, all these intellectual property rights are reserved.

You may view, download, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these Terms and Conditions.

You must not:

(a) republish material from this website (including republication on another website);

(b) sell, rent or sub-license material from the website;

(c) show any material from the website in public;

(d) reproduce, duplicate, copy or otherwise exploit material on our website for a commercial purpose;

(e) edit or otherwise modify any material on the website; or

(f) redistribute material from this website [except for content specifically and expressly made available for redistribution] (such as our worksheets and newsletters).

Acceptable Use

You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use our website for the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.

You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit, or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction, and data harvesting) on or in relation to our website without our express written consent.

You must not use our website to transmit or send unsolicited commercial communications.

You must not use our website for any purposes related to marketing without our express written consent.

Sharing

In terms of this agreement, “Sharing” is defined as linking to our content on another source medium and allowing for that content to be seen on your website or social platform. Acceptable sharing is done only using a hyperlink, not copying and pasting text.

No images may be shared, except what is generated automatically by social media software. Please respect the artists who created the images and use the original distribution network, instead of harvesting from our site.

Under no circumstances may sharing take place on spammy or otherwise offensive sites. We reserve the right to ask you to remove any links from your site if we disapprove of how our link is used. Acceptable sites include social media sites like Facebook, Instagram, or Twitter or linking to our site in a blog or other personal post. You may not use our link to promote products or otherwise claim our work as your own.

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to or from this website, you do so entirely at your own risk and are subject to the Terms and Conditions of use for such websites.

User Contributions

In these terms and conditions, “User Contributions” means material (including without limitation text, images, audio material, video material, and audio-visual material) that you submit to our website, for whatever purpose.

All User Contributions must comply with the Terms and Conditions. Any User Contribution posted to the site will be considered non-confidential and non-proprietary. By submitting or posting any materials or content on the site, you grant us a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such materials. The Company will be entitled to use any content submitted by you without incurring obligations of confidentiality, attribution, or compensation to you. You represent and warrant that:

(a) You own or control all rights in and to the User Contributions and have the right to grant the license granted above to us and our licensees, successors, and assigns.

(b) All of your User Contributions do and will comply with these Terms and Conditions. You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not the Company, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness. We are not responsible, or liable to any third party, for the content or accuracy of any User Contributions posted by you or any other user of the Website.

(c) Your User Contributions must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or us or a third party (in each case under any applicable law).

(d) You must not submit any User Contributions to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaints.

We reserve the right to edit or remove any User Contributions submitted to our website, or stored on our servers, or hosted or published upon our website. You may also edit or delete your own User Contributions. If the user is unable to delete comments, he or she may reach out to the Company and we will delete them for you.

User Contributions must in their entirety comply with all applicable federal, state, local and international laws and regulations. Without limiting the foregoing, User Contributions must not:

(a) Contain material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.

(b) Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, gender identity, or age.

(c) Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.

(d) Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms and Conditions and our Privacy Policy.

(e) Be likely to deceive any person, impersonate any person, or misrepresent your identity or affiliation with any person or organization.

(f) Promote any illegal activity, or advocate, promote or assist any unlawful act.

(g) Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person.

(h) Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising.

(i) Give the impression that they emanate from or are endorsed by us or any other person or entity if this is not the case.

We do not review all material before it is posted on the Website, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for the performance or nonperformance of the activities described in this section.

Limitation of Liability, Indemnification, and Severability

To the maximum extent permitted by applicable law we exclude all representations, warranties, and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose, and/or the use of reasonable care and skill).

We do not provide or authorize the provision of medical, legal, or other professional advice through the site or any content. We disclaim any responsibility for the accuracy or reliability of medical, legal, or other professional information that is contained within the site or any content. Rather than relying on this information, you should seek advice from a qualified professional. We reserve the right to correct any errors or omissions in the site or content.

We are in no way liable for any outcome, result, or experience that happens to you as a result of your use of this website. This website is meant to be informational and informative but is not a substitute for your best judgment. While we try to only make true, fair, factual, and statements that are verified and not misleading on this website, we cannot know everything about your unique circumstances or how our advice will interact with you personally. This is why our advice is meant to be checked out and vetted against your best judgment.

We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities, or goodwill.

We will not be liable to you in respect of any loss or corruption of any data, database, or software.

We will not be liable to you in respect of any special, indirect, or consequential loss or damage.

We do not guarantee or warrant that the site, content, or materials downloaded do not contain viruses, worms, trojan horses, or other destructive materials, We are not liable for any damages or harm attributable to such features.

You also agree to indemnify Erika Settles to the fullest extent available from and against any claims, liabilities, judgments, awards, expenses, costs, damages, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms and Conditions or your use of this website, including, but not limited to, your User Contributions, any use of the Website’s content, services and products other than as expressly authorized in these Terms and Conditions or your use of any information obtained from the website.

If a provision of these Terms and Conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

Breaches

Without prejudice to our other rights under these Terms and Conditions, if you breach these Terms and Conditions in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you. Any use of the website not expressly permitted by these Terms and Conditions is a breach of these Terms and Conditions and may violate copyright, trademark, and other laws.

Governing Law

For the administration of the agreements and covenants found on this website, the laws of Texas and the United States shall control. Any disputes shall be resolved with Arbitration under the jurisdiction of the laws of Texas and the United States.