Disclaimer

GENERAL INFORMATION 

Joanna L. Gardy, LMHC (“company”, “I”, “we” or “us”) provides general  educational information on various topics on this website as a public service,  which should not be construed as professional, financial, real-estate, tax or  medical/health advice. These are my personal opinions only.  

The term “you” refers to anyone who uses, visits and/or views the website.  

Please read this Disclaimer carefully, and I reserve the right to modify it at any  time without notice. By visiting and using this website, you accept and agree  to be bound by this Disclaimer along with our Terms and Conditions and  Privacy Policy. Your continued use of our website, programs, products and/ 

or services constitutes your acceptance of future changes and updates to  this Disclaimer. You must not access or use our website if you do not wish  to be bound by this Disclaimer. 

MEDICAL/HEALTH DISCLAIMER 

Although I am a psychotherapist by profession, I am not YOUR psychotherapist.  All content and information on this website including our programs, products and/ or services is for informational and educational purposes only, does not  constitute psychotherapy advice and does not establish any kind of therapist client relationship by your use of this website. A therapist-client relationship with  you is only formed after we have expressly entered into a written agreement with  you that you have signed including our fee structure and other terms to represent  you in a specific matter. Although we strive to provide accurate general  information, the information presented here is not a substitute for any kind of  professional advice, and you should not rely solely on this information. Always  consult a professional in the area for your particular needs and circumstances  prior to making any professional, legal, medical/health and financial or tax related  decisions.  

AFFILIATE / THIRD-PARTY LINKS DISCLOSURE AND DISCLAIMER 

We may partner with other businesses or become part of different affiliate  marketing programs whose products or services may be promoted or advertised  on the website in exchange for commissions and/or financial rewards when you  click and/or purchase those products or services through our affiliate links. We  will receive a commission if you make a purchase through our affiliate link at no  extra cost to you. 

We may also recommend other products, services, coaches and consultants but  no such reference is intended to be an endorsement or statement that such  information provided is accurate. We recommend these based on our personal  experiences but it is still your responsibility to conduct your own due diligence to  ensure you have obtained complete accurate information about such product,  services, coaches and consultants.  

This disclosure policy applies to all affiliate links we share on our website, social  media, emails, programs, products such as courses, ebooks, services and any  other means of communication with you.  

EARNINGS DISCLAIMER, TESTIMONIALS AND OTHER DISCLAIMERS 

We may disclose our income reports and success results of our current or former  customers including product reviews and testimonials on the website from time to  time. These income reports, product reviews and testimonials are accurate and  strictly for informational purposes only. 

We share this information as examples to you but it does not serve as a  guarantee or promise of any kind for your results and successes if you decide to  use the same information, reviews, products, services, tips and techniques  offered here. 

All the testimonials included on our websites, programs, products and/or services  are real-world examples and stories of other people’s experiences with our  programs, products and/or services. But they are not intended to serve as a  guarantee that you will achieve the same or similar results. Each individual’s  performance is different and your results will vary accordingly. 

You are encouraged to perform your own due diligence and research and are  solely responsible for your earnings and results. Your earning potential and  results are contingent upon your personal circumstances, abilities, experience,  and skills. Therefore, you agree not to hold us and/or our officers, employees,  successors, shareholders, joint venture partners or anyone else working with us  liable for any of your successes or failures directly or indirectly related to the  information, reports, reviews, products and/or services presented to you here. 

NO WARRANTIES  

ALL CONTENT, INFORMATION, PRODUCTS AND/OR SERVICES ON THE  WEBSITE ARE “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY  REPRESENTATIONS OR WARRANTIES OF ANY KIND INCLUDING THE  WARRANTIES OF MERCHANTABILITY OR FITNESS FOR ANY PURPOSE,  EXPRESS OR IMPLIED TO THE FULL EXTENT PERMISSIBLE BY LAW. 

COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES AS TO THE  CONTENT, INFORMATION, MATERIALS, PRODUCTS AND/OR SERVICES  PROVIDED ON THIS WEBSITE. COMPANY MAKES NO WARRANTIES THAT  THE WEBSITE WILL PERFORM OR OPERATE TO MEET YOUR  REQUIREMENTS OR THAT THE INFORMATION PRESENTED HERE WILL BE  COMPLETE, CURRENT OR ERROR-FREE. COMPANY DISCLAIMS ALL  WARRANTIES, IMPLIED AND EXPRESS FOR ANY PURPOSE TO THE FULL  EXTENT PERMITTED BY LAW. 

LIMITATION OF LIABILITY 

You agree that under no circumstances, we and/or our officers, employees,  successors, shareholders, joint venture partners or anyone else working with us  shall be liable for any direct, indirect, incidental, consequential, equitable, special,  punitive, exemplary or any other damages resulting from your use of this website  including but not limited to all the content, information, products, services and  graphics presented here.  

You expressly agree that your use of the website is at your sole risk and that you  are solely responsible for the accuracy of the personal and any information you  provide, outcome of your actions, personal and business results, and for all other  use in connection with the website. 

You also expressly agree that we and/or our officers, employees, successors,  shareholders, joint venture partners or anyone else working with us shall not be  liable to you for any damages resulting from 1) any errors or omissions on the  website, delay or denial of any products or services, failure of performance of any  kind, interruption in the operation and your use of the website, website attacks  including computer virus, hacking of information, and any other system failures;  2) any loss of income, use, data, revenue, profits, business or any goodwill  related to the website; 3) any theft or unauthorized access by third party of your  information from the website regardless of our negligence; and 4) any use or  misuse of the information, products and/or services offered here.  

This limitation of liability shall apply whether such liability arises from negligence,  breach of contract, tort or any other legal theory of liability. You agree that we  provide no express or implied guarantees to you for the content presented here,  and you accept that no particular results are being promised to you here.  

INDEMNIFICATION  

You agree to indemnify and hold the Company and/or its officers, employees,  successors, shareholders, joint venture partners or anyone else working with us  harmless from all losses, claims, damages, demands, actions, suits, proceedings  or judgments, including costs, expenses and reasonable attorneys' fees  ("Liabilities") assessed against or otherwise incurred by you arising, in whole or 

in part, from: (a) actions or omissions, whether done negligently or otherwise, by  you, your agents, directors, officers, employees or representatives; (b) all your  actions and use of our websites including purchasing programs, products and  services; (c) violation of any laws, rules, regulations or ordinances by you; or (d)  violation of any terms and conditions of this website by you or anyone related to  you; e) infringement by you or any other user of your account of any intellectual  property or other rights of anyone. The company will notify you promptly of any  such claims or liability and reserves the right to defend such claim, liability or  damage at your expense. You shall fully cooperate and provide assistance to us  if requested, without any cost, to defend any such claims.