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Security & Privacy

PRIVACY POLICY

MLJ International (the “Company”) is dedicated to protecting privacy while using the services of mljInternational.com (the “Website”). This privacy policy statement explains information collection and use practices for the Website. By accessing the Website, you are agreeing with and consenting to the data collection and use practices described in this privacy policy. This privacy policy statement expressly incorporates and is subject to the Terms of Use (“TOU”) for the Website, which may be separately accessed via a hypertext link located on its homepage. The provisions, terms and conditions set forth in the TOU shall supercede, govern and control in the event of any actual or potential inconsistency or conflict with the contents of this privacy policy statement.

PERSONAL DATA COLLECTION

You may be asked to provide the Company with information that personally identifies you or allows us to contact you (“Personal Data”), if necessary, to carry out a transaction or other service that you have requested in connection with use of the Website. The Personal Data the Company gathers, stores and uses may include the following information:

1. Information about your computer including your IP address, geographical location, browser type and version, and operating system;
2. Information about your visits to and use of this website including the referral source, length of visit, page views, and Website navigation paths;
3. Information, such as your email address, that you enter when you register with the Website;
4. Information that you enter when you create a profile on the Website—for example, your name, profile pictures, gender, birthday, relationship status, interests and hobbies, educational details, and employment details;
5. Information, such as your name and email address, that you enter in order to set up subscriptions to our emails and/or newsletters;
6. Information that you enter while using the services on the Website;
7. Information that is generated while using the Website, including when, how often, and under which circumstances you use it;
8. Information relating to anything you purchase, services you use, or transactions you make through the Website, which includes your name, address, telephone number, email address, and credit card details;
9. Information that you post to the Website with the intention of publishing it on the internet, which includes your username, profile pictures, and the content of your posts;
10. Information contained in any communications that you send to us by email or through the Website, including its communication content and metadata; and
11. Any other personal information that you send to the Company.
Before you disclose to us the personal information of another person, you must obtain that person’s consent to both the disclosure and the processing of that personal information in accordance with this privacy policy.

PERSONAL DATA USE

The Personal Data collected on the Website will be used to operate the Website and to provide service(s) and/or carry out the transaction(s) you have requested or authorized in connection with the Website. More specifically, the Company may use your personal information for the following purposes:

1. Administering the Website and the Company’s business;
2. Personalizing the Website for you;
3. Enabling your use of the services available on the Website;
4. Sending you goods purchased through the Website;
5. Supplying services purchased through the Website;
6.1. Sending statements, invoices, and payment reminders to you, and collecting payments from you;
6.2. Sending you non-marketing commercial communications;
6.3. Sending you email notifications that you have specifically requested;
6.4. Sending you our email newsletter, if you have requested it (you can inform us at any time if you no longer require the newsletter);
6.5. Sending you marketing communications relating to our business or the businesses of carefully-selected third parties which we think may be of interest to you, by post or, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing communications);
6.6. Providing third parties with statistical information about our users (but those third parties will not be able to identify any individual user from that information);
6.7. Dealing with inquiries and complaints made by or about you relating to the Website;
6.8. Keeping the Website secure and prevent fraud;
6.9. Verifying compliance with the terms and conditions governing the use of the Website (including monitoring private messages sent through our website private messaging service); and
6.10. Other uses.

If you submit personal information for publication on the Website, the Company will publish and otherwise use that information in accordance with the license you grant to it.

The Company will not, without your express consent, supply your Personal Data to any third party for their or any other third party’s direct marketing.
When you sign up for or agree to receive promotional e-mail or other offers made in connection with or via use of the Website, the Company may use customized links or similar technologies to track e-mail links that you click. The Company may associate that information with your personal information or Personal Data in order to provide you more focused e-mail communications, use of the Website or other services and information related to, offered on or available through the Website. The Company will provide means to unsubscribe to e-mail communications that allows you to stop delivery of that type of communication.

DISCLOSURE OF YOUR PERSONAL DATA

The Company may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers, or subcontractors as reasonably necessary for the purposes set out in this privacy policy.
The Company may disclose your personal information to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) as reasonably necessary for the purposes set out in this policy.

The Company may also disclose your Personal Data as follows:

1. To the extent required to do so by law;
2. In connection with any ongoing or prospective legal proceedings;
3. In order to establish, exercise, or defend the Company’s legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
4. To the purchaser (or prospective purchaser) of any business or asset that the Company is (or is contemplating) selling; and
5. To any person the Company reasonably believes may apply to a court or other competent authority for disclosure of that Personal Data where, in the Company’s reasonable opinion, such court or authority would be reasonably likely to order disclosure of that Personal Data.
Except as provided in this policy, we will not provide your Personal Data to third parties.

INTERNATIONAL DATA TRANSFERS

Information and Personal Data that is collected may be stored, processed in, and transferred between any of the countries in which the Company operates, or in which our providers operate, in order to enable us to use the information in accordance with this policy.
Information and Personal Data that is collected may be transferred to the following countries which do not have data protection laws equivalent to those in force in the European Economic Area: (1) the United States of America; (2) Russia; (3) Japan; (4) China; and (5) India.
Personal Data and information that you publish on the Website or submit for publication on the Website may be available, via the internet, around the world. The Company cannot prevent the use or misuse of such information by others.

You expressly agree to the transfers of Personal Data and information as described in this section.

RETENTION OF YOUR PERSONAL DATA

This Section sets out the Company’s data retention policies and procedures, which are designed to help ensure compliance with our legal obligations regarding the retention and deletion of Personal Data.
Personal Data that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes. The Company does not delete Personal Data on any particular dates or times.
The Company will retain documents (including electronic documents) containing Personal Data:

1. To the extent required to do so by law;
2. If the Company believes that the documents may be relevant to any ongoing or prospective legal proceedings; and
3. In order to establish, exercise, or defend the Company’s legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk).

Except as otherwise described in this statement, personal information and Personal Data provided to the Company with regard to use of the Website will not be shared outside of this Website and its controlled subsidiaries and affiliates without your permission.

The Company may send out periodic e-mails informing you of certain services or products offered by it, its subsidiaries and affiliates, concerning technical services or security issues related to a product or service you requested or otherwise related to your use of the Website, or confirming a requested product or service related to the Website. Contact with the customer is an intrinsic part of the product or service being offered. You will not be able to unsubscribe to these e-mails as they are considered an essential part of the product(s) or service(s) you have chosen.

The Company is committed to protecting the security of your Personal Data. The Company, through its selected service providers, uses a variety of security technologies and procedures to help protect your personal information and Personal Data from unauthorized access, use or disclosure. In this regard, the Company will:

1. Take reasonable technical and organizational precautions to prevent the loss, misuse, or alteration of your Personal Data;
2. Will store all the Personal Data you provide on secure (password- and firewall-protected) servers; and
3. Will protect all electronic financial transactions entered into through the Website with encryption technology.

You acknowledge that the transmission of information over the internet is inherently insecure. The Company cannot guarantee the security of data sent over the internet.
You are responsible for keeping the password you use for accessing the Website confidential. The Company will not ask you for your password (except when you log in to our website).

AMENDMENTS

The Company may update this privacy policy from time to time by publishing a new version on the Website. You should check this page occasionally to ensure you understand any changes to this privacy policy. The Company may notify you of changes to this privacy policy by email or through the private messaging system on the Website.

YOUR RIGHTS

You may instruct the Company to provide you with any Personal Data it holds about you. In order to obtain such information, you must provide the Company with the following:
1. Payment in the amount of $100.00; and
2. Supply appropriate evidence of your identity. For this purpose, the Company will usually accept a photocopy of your passport certified by a notary plus an original copy of a utility bill showing your current address.

We may withhold Personal Data that you request to the extent permitted by law.
You may instruct us at any time not to process your Personal Data for marketing purposes.

In practice, you will usually either expressly agree in advance to our use of your Personal Data for marketing purposes, or we will provide you with an opportunity to opt out of the use of your Personal Data for marketing purposes.

THIRD PARTY WEBSITES

The Website may include hyperlinks to, and details of, third party websites. The Company neither has control over nor is responsible for the privacy policies and practices of third parties.

UPDATING PERSONAL DATA

Thank you for letting the Company know if the Personal Data that it holds about you needs to be corrected or updated.

COOKIES

The Website uses cookies. A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed. Cookies do not typically contain any information that personally identifies a user, but Personal Data stored about you may be linked to the information stored in and obtained from cookies. The Company uses both session and persistent cookies on the Website.

The following cookies are used on the Website: (1) Google Analytics; (2) Adwords; (3) Infusionsoft; (4) Opt-in Monster; and (4) Ninja Pop-Ups. These cookies are used for the following purposes on the Website: (1) visits to the Website; (2) tracking users as they navigate the Website; (3) enabling the use of a shopping cart; (4) improve the Website’s usability; (5) Website use analytics; (6) Website administration; (7) fraud prevention and security improvements; (8) user personalization; and (9) advertisement targeting.

Most browsers allow you to refuse to accept cookies—for example:

1. In Internet Explorer (version 10) you can block cookies using the cookie handling override settings available by clicking “Tools,” “Internet Options,” “Privacy,” and then “Advanced”;
2. In Firefox (version 24) you can block all cookies by clicking “Tools,” “Options,” “Privacy,” selecting “Use custom settings for history” from the drop-down menu, and unticking “Accept cookies from sites”; and
3. In Chrome (version 29), you can block all cookies by accessing the “Customize and control” menu, and clicking “Settings,” “Show advanced settings,” and “Content settings,” and then selecting “Block sites from setting any data” under the “Cookies” heading.

Blocking all cookies will have a negative impact upon the usability of many websites. If you block cookies, you will not be able to use all the features on the Website.

You can delete cookies already stored on your computer—for example:

1. In Internet Explorer (version 10), you must manually delete cookie files (you can find instructions for doing so at http://support.microsoft.com/kb/278835 );
2. In Firefox (version 24), you can delete cookies by clicking “Tools,” “Options,” and “Privacy”, then selecting “Use custom settings for history”, clicking “Show Cookies,” and then clicking “Remove All Cookies”; and
3. In Chrome (version 29), you can delete all cookies by accessing the “Customize and control” menu, and clicking “Settings,” “Show advanced settings,” and “Clear browsing data,” and then selecting “Delete cookies and other site and plug-in data” before clicking “Clear browsing data.”

Deleting cookies will have a negative impact on the usability of many websites.

CONTACT INFORMATION

We welcome your comments regarding this privacy policy statement. You may contact us via e-mail at info@mljinternational.com.

TERMS AND CONDITIONS
BINDING EFFECT
This agreement (“Agreement”) is a binding agreement between you (“you”) and M. Lynne Jacob, operating as MLJ International (“MLJ”,” “we” or “us”). By using the site at www.mljInternational.com or any of its affiliated urls, including, without limiting the generality of the foregoing, www.mljcoaching.com (the ‘Site’) or any information, materials, images, graphics, data, text, files, links, software, messages, communications, content, organization, design, compilation, magnetic translation, digital conversion, HTML, XML, Java code and other content related to the Site (collectively ‘Content’) or services provided in connection with the Site (the ‘Service’), you agree to abide by these Terms of Use, as MLJ may amend them from time to time in its sole discretion. YOU AGREE THAT BY USING THE SERVICE YOU REPRESENT THAT YOU ARE AT LEAST 18 YEARS OF AGE AND THAT YOU ARE LEGALLY ABLE TO ENTER INTO THIS AGREEMENT.

REFUND POLICY / CANCELLATION
MLJ International is committed to providing each customer with exceptional service. We want you to feel comfortable about transacting business with us. Due to the nature of our business and the accessibility of our products (not to include 1-on-1 private services), there is a generous full refund policy which begins on the date of purchase with most MLJ products from immediately upon purchase up until the day before “execution” (ie. using the example of a seminar: from the date of your purchase/registration until the day before the date of the live seminar /webinar /on-line or in-person training/etc.; ie. example of a stand-alone/DIY training product: from immediately upon purchase of the product until the sending of that product to your provided email address) with the exception of any product which includes 1-on-1 coaching services with any member of MLJ if that 1-on-1 service has already been rendered or up until 48 hours prior to the scheduled time for the 1-on-1 service to be rendered, as well as any special/limited discount for all products which have a zero-refund policy. However, you may cancel your subscription at any time from any future billing.
For our subscription products we agree to comply with the more generous provinces in Canada, which entitle the consumer to a 10-day cooling-off period, however this right is waived as soon as the product purchased has been accessed, streamed or downloaded or the service has been received by the consumer or within 48 hours of the consumer’s first 1-on-1 session with an MLJ Representative.
For our Live in-person events, a 30-day refund policy applies as long as notice is given at least 30 days prior to the event. Sadly this means that tickets purchased within 30 days of the event will not be refunded.
If you are not completely satisfied with the product for which you have paid, you may contact  info@mljInternational.com within 30 days of the purchase and we will promptly look into your request.

PRIVACY POLICY
MLJ respects your privacy and permits you to control the treatment of your personal information. A complete statement of MLJ’s current privacy policy (the “Privacy Policy”) can be found by clicking here. MLJ’s Privacy Policy is expressly incorporated into this Agreement by this reference. When you are required to submit information to use or access the Site, Content or Service, you must complete the registration process by providing the information requested on the form. You agree to the terms in MLJ’s Privacy Policy regarding the use of the information you submit.

MONTHLY SUBSCRIPTION / AUTOSHIP
MLJ respects your privacy and permits you to control the treatment of your personal information. A complete statement of MLJ’s current privacy policy (the “Privacy Policy”) can be found clicking here. MLJ’s Privacy Policy is expressly incorporated into this Agreement by this reference. When you are required to submit information to use or access the Site, Content or Service, you must complete the registration process by providing the information requested on the form. You agree to the terms in MLJ’s Privacy Policy regarding the use of the information you submit.
If you purchase our products or services that are subscription-based, you agree to pay, and authorize automatic recurring billing of the subscription fee with your credit card, or other payment methods, until subsequently cancelled by you. Your account will be charged every 30 days. You understand and agree that each automatic recurring billing of the subscription fee is non-refundable and will not be prorated as the service is deemed used when accessed. You authorize MLJ to initiate debit entries from the account provided for the subscription fee, as well as any other purchases made on the Site. You may cancel at any time by contacting Customer Support at info@mljInternational.com.

LICENCE
MLJ owns or licenses all intellectual property and other rights, title, and interest in and to the Site, Content and Service, and the materials accessible on the Site and Service, except as expressly provided for in the Agreement, including without limitation the trademarks, copyrights and certain technology used in making the Site, its Content and Service available. Except as specifically allowed in this Agreement, the copying, redistribution, use or publication by you of any Content or Service is strictly prohibited. We grant you a limited revocable license to access and use the Site, Content and our Service for its intended purposes, subject to your compliance with this Agreement, and, if you are an affiliate of MLJ, your Affiliate Agreement and MLJ Policies and Procedures. The revocable license does not include the right to collect or use information contained on the Site or through the Service for purposes that MLJ prohibits or to compete with MLJ.
You acquire no ownership or other interest in, or other license to, any patent, copyright, trademark, trade secret or other intellectual property right or to the Content. You acquire no rights or licenses in or to any trademarks, service marks, trade names or copyrights displayed on the Site. You may not reproduce, republish, distribute, assign, sublicense, retransmit, sell, or prepare derivative works of the Site or Content, or resell or make our Service available to others. All rights in and to the Site, Service and our Content not expressly granted in this Agreement remain in us or in our licensors.
You acquire no ownership or other interest in, or other license to, any patent, copyright, trademark, trade secret or other intellectual property right or to the Content. You acquire no rights or licenses in or to any trademarks, service marks, trade names or copyrights displayed on the Site. You may not reproduce, republish, distribute, assign, sublicense, retransmit, sell, or prepare derivative works of the Site or Content, or resell or make our Service available to others. All rights in and to the Site, Service and our Content not expressly granted in this Agreement remain in us or in our licensors.
If you use the Site or our Service in a manner that exceeds the scope of this license or breaches any relevant agreement, your license shall terminate immediately.

CONFIDENTIALITY
For the purposes of this Agreement, ‘Confidential Information’ shall be deemed to include all the information and materials about MLJ, the Site or the Service that: (i) if in written format is marked as confidential, or (ii) if disclosed verbally is noted as confidential at time of disclosure or (iii) in the absence of either (i) or (ii) is information which a reasonable party would deem to be non-public information and confidential, including, without limitation, all information provided on or through the Site or Service, trade secrets, inventions, research methods and projects, methods of compiling information, methods of creating database, data processing programs, software, computer models, source and object codes, product formulations, strategies and plans for future business, product and service development and ideas, potential acquisitions or divestitures, marketing ideas, financial information including with respect to costs, commissions, fees, profits and sales, mailing lists, information concerning our affiliates and customers, potential affiliates and customers and suppliers, and employee information including their respective salaries, bonuses, benefits, qualifications, abilities and contact information.
You acknowledge and agree that the nature of the Confidential Information to which you have, and will continue to have, access derives value from the fact that it is not generally known and used by others in the highly competitive, international industry in which MLJ engages and operates.
You acknowledge that you are receiving the Confidential Information in confidence, and you will not publish, copy or disclose any Confidential Information without prior written consent from MLJ. You further agree that you shall not attempt to reverse engineer, de-compile or try to ascertain the source code to our software or any other software supplied hereunder. You acknowledge that you will only use the Confidential Information to the extent necessary to use the Service and promote your business in accordance with your agreements with MLJ, and that you will use best efforts to prevent unauthorized disclosure of the Confidential Information to any third party.
You agree not to, alone or in association with others, use the Confidential Information to (i) solicit, or facilitate any organization with which you are associated in soliciting, any employee, affiliate or customer of ours to alter his, her or its relationship with us; (ii) solicit for employment, hire, or engage as an independent contractor, or facilitate any organization with which you are associated in soliciting for employment, hire, or engagement as an independent contractor, any person who was employed by or under contract with us at any time during the term of this Agreement (provided, that this clause (ii) shall not apply to any individual whose employment or contractual relationship with us was terminated for a period of six (6) months or longer); or (iii) solicit business from or perform services for any customer, supplier, licensee, or business relation of ours; induce or attempt to induce, any such person or entity to cease doing business with us; or in any way interfere with the relationship between any such person or entity and us.
Other than as expressly provided for herein, you do not acquire any right or interest, by license or otherwise, in or to the Confidential Information of and/or used by MLJ.
You agree that all originals and any copies of the Confidential Information remain the property of MLJ. You shall reproduce all copyright and other proprietary notices, if any, in the same form that they appear on all the materials provided by us, on all permitted copies of the Confidential Information made by you. You agree to return all originals and copies of all Confidential Information in your possession or control to us at its request.
You shall be liable for any and all breaches of this Agreement and any unauthorized use or disclosure of Confidential Information. If you become compelled by applicable law, regulation or legal process to disclose any of the Confidential Information, you shall promptly provide us with notice in order for us to seek a protective order or other appropriate remedy. Further, if you become compelled to disclose any of the Confidential Information, you must disclose only that portion of the Confidential Information you are legally required to disclose as confirmed by a legal opinion of your counsel at your expense.

USE OF THE SITE, CONTENT AND SERVICE
You may only use the Site, Content and Service to promote your existing business, as expressly permitted in writing by us. You may not cause harm to the Site or Service. Specifically, but without limitation, you may not: (i) interfere with the Site, Content or Service by using viruses, programs, or technology designed to disrupt or damage any software or hardware, or which attempts to assess the vulnerability of, or actually violates, any security feature; (ii) access any content or data not intended for you, or log into an account or server that you are not authorized to access; (iii) modify, create derivative works, reverse engineer, decompile or disassemble any technology used to provide the Site or our Service; (iv) use a robot, spider or other device or process to monitor the activity on or copy pages from the Site or our Service, except in the operation or use of an Internet ‘search engine,’ hit counters, or similar technology; (v) collect electronic mail addresses or other information from third parties by using the Site or our Service; (vi) impersonate another person or entity; (vii) engage in any activity that interferes with another user’s ability to use or enjoy the Site, or content or our Service; (viii) assist or encourage any third party in engaging in any activity prohibited by this Agreement; (ix) co-brand the Site, or content or our Service; (x) frame the Site or Service; (xi) hyper-link to the Site or Service without the express prior written permission of an authorized representative of MLJ; (xii) use the Site, Content or Service, in whole or in part, for any purpose that is unlawful, immoral, or prohibited by this Agreement or any applicable local, provincial, federal or international law, rule, or regulation; (xiii) use the Site, Content or Service in any manner that could damage, disable, overburden, or impair the Site or Service; (xiv) circumvent, or attempt to circumvent, any security feature of the Site; (xv) upload, e-mail or otherwise transmit to or through the Site or Service, any advertising, promotional or other unauthorized communication, including, without limitation, ‘junk mail,’ ‘surveys,’ unsolicited e-mail, ‘spam,’ ‘chain letters,’ or ‘pyramid schemes;’ or (xvi) incorporate data from any of our databases into any emails or other ‘white pages’ products or services, whether browser-based, based on proprietary client-side applications, or web-based, without our prior, express and written consent.
You agree that you will not make any derogatory statements, either oral or written, or otherwise disparage us, our products, employees, services, work or employment, and will take all reasonable steps to prevent others from making derogatory or disparaging statements. You agree that it would be impossible, impractical or extremely difficult to fix the actual damages suffered by reason of a breach of this paragraph, and accordingly hereby agree that MLJ may determine to recover damages sustained by reason of each such breach, without prejudice to MLJ’s right to also seek injunctive or other equitable relief.
If you purchase any of our products or services, you agree that your use of the product or service is limited by this Agreement as well.
Most areas of the Site are password restricted to registered users (‘Password-Protected Areas’). If you have registered as an authorized user to gain access to these Password-Protected Areas, you agree that you are entirely responsible for maintaining the confidentiality of your password, and agree to notify us if the password is lost, stolen, disclosed to an unauthorized third party, or otherwise may have been compromised. You agree that you are entirely responsible for any and all activities that occur under your account, including any fees that may be incurred under your password-protected account, whether or not you are the individual who undertakes such activities. You agree to immediately notify us of any unauthorized use of your account or any other breach of security in relation to your password or the Site that is known to you.
All testimonials and endorsements must comply with Federal Trade Commission ‘FTC’ guidelines and other applicable laws and regulations. Claims about a product’s performance or quality must be based on actual experiences. You must disclose connections between yourself and an advertiser that is unclear or unexpected to a customer (for example, whether there is a financial arrangement, employment arrangement or ownership interest). Disclaimers and disclosures must be clear and conspicuous when used and must be used properly as to comply with FTC guidelines.
Statements about a product’s price and availability must be truthful and accurate. Product pricing must show a product’s actual price, must be clearly and conspicuously displayed, along with any material limitations (for example the cost of shipping or refund restrictions). Falsely suggesting that a product previously sold for a higher price is not permitted. False scarcity statements are not permitted (for example, stating that supplies are limited when there is no actual limit).
You must: (i) accurately state the amount of effort required to succeed with a product or service; (ii) only state that a product or service has qualifying criteria when there are actual criteria that must be met; and (iii) only use third party trademarks and copyright protected materials with written permission.

USER CONTENT
User Content means all content created by you, which includes but is not limited to audio, video, images, photographs, logos, illustrations, animations, tools, written posts, comments, data, text, software, graphics, scripts, themes, and/or interactive features. Keep in mind that once you post something on a blog thereby making it available on the Internet and to the public, it may be practically impossible to take down all copies of it. By posting, downloading, displaying, performing, transmitting, or otherwise distributing any User Content to the Site or Service, you are granting us a transferrable, perpetual, irrevocable, worldwide and royalty free nonexclusive license (including the right to sub-license), to use, possess, copy, transmit, publicly display, distribute, sell, host, store, cache, disclose, perform, modify, edit, translate, reformat, import, export and prepare derivative works of such User Content through multiple tiers of distribution in any and all media now known or hereafter invented (including, without limitation, the right to conform it to the requirement of any networks, devices, services, or media through which the Site or Services are available). MLJ will not pay you any compensation for the use of your User Content as provided herein. We are under no obligation to post or use any User Content you may provide and may remove User Content at any time in our sole discretion. You agree that MLJ may publish or otherwise disclose your name in connection with your User Content. By posting User Content on the Site or Service, you warrant and represent that you own the rights to the User Content or are otherwise authorized to post, distribute, display, perform, transmit, or otherwise distribute User Content.
Except as otherwise set forth herein, you retain ownership of all intellectual property rights in your User Content, and MLJ and/or third parties retain ownership of all intellectual property rights in all Content other than User Content. You retain ownership of any intellectual property, URLs, and/or domain names you use or post or Service.

COMPLIANCE WITH INTELLECTUAL PROPERTY LAWS
When accessing the Site or using the Content or Service, you agree to obey the law and to respect the intellectual property rights of others. Your use of the Service, Content and Site is at all times governed by and subject to laws regarding intellectual property ownership. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content in violation of any third party’s copyrights, trademarks, or other intellectual property or proprietary rights. You agree to abide by laws regarding intellectual property ownership and use, and you shall be solely responsible for any violations of any relevant laws and for any infringements of third party rights caused by any content you provide or transmit, or that is provided or transmitted using your user name. The burden of proving that any content does not violate any laws or third party rights rests solely with you.
All trademarks, service marks, trade names and copyrights displayed on the Site or in the Content are proprietary to us or their respective owners.

INAPPROPRIATE CONTENT
You agree not to upload, download, display, perform, transmit, or otherwise distribute any material or content that (i) is libellous, defamatory, obscene, pornographic, abusive, or threatening; or (ii) advocates or encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or foreign law or regulation or this Agreement. MLJ reserves the right to terminate your receipt, transmission or other distribution of any such material or content using the Service, and, if applicable, to delete any such material or content from its servers. MLJ intends to cooperate fully with any law enforcement officials or agencies in the investigation of any violation of this Agreement or of any applicable laws.
MLJ reserves the right, but does not assume the obligation, to monitor transactions and communications that occur through the Site and Service. If MLJ determines, in its sole and absolute discretion, that a user has or will breach a term or condition of this Agreement or that such transaction or communication is inappropriate, MLJ may cancel such transaction or take any other action to restrict access to or the availability of any material or content that may be considered objectionable, without any liability to you or any third party.

COPYRIGHT INFRINGEMENT
MLJ has in place certain legally mandated procedures regarding allegations of copyright infringement occurring on the Site, in the Content or with the Service. MLJ has adopted a policy that provides for the immediate suspension or termination of any Site or Service user who is found to have infringed on the rights of MLJ or a third party, or otherwise violated any intellectual property laws or regulations. MLJ’s policy is to investigate any allegations of copyright infringement brought to its attention. If you have evidence, know, or have good faith belief that your rights or the rights of a third party have been violated and you want MLJ to delete, edit or disable the material in question, you must provide MLJ with all of the following information:

a. A physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right that is allegedly infringed;
b. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works;
c. Identification of the material that is claimed to be infringed or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit MLJ to locate the material;
d. A statement that you have good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
e. A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
For this notification to be effective, you must provide it to MLJ both at Lynne@mljInternational.com and Lynne@mljcoaching.com.

ALLEGED VIOLATIONS
MLJ reserves the right to suspend or terminate your use of any Service or the Content or Site. To ensure that MLJ provides a high quality experience for you and for other users of the Site, Content and Service, you agree that MLJ or its representatives may access your account and records on a case-by-case basis to investigate complaints or allegations of abuse, infringement of third party rights or other unauthorized uses of the Site, Content or Service. MLJ does not intend to disclose the existence or occurrence of such an investigation unless required by law, but MLJ reserves the right to suspend or terminate your account or your access to the Site immediately, with or without prior notice to you, and without liability to you, if MLJ believes that you have violated any portion of this Agreement, furnished MLJ with false or misleading information, or interfered with use of the Site, Content or the Service by others.

FULL POWER AND AUTHORITY
You represent and warrant that: (i) you have the full power and authority to enter into and perform under this Agreement; (ii) execution and performance of this Agreement does not constitute a breach of, or conflict with, any other agreement or arrangement by which you are bound; (iii) the terms of this Agreement are legal, valid, and binding obligation, enforceable against you; (iv) all content you create to promote MLJ, its Site, the Content or Service was created without any contribution of any kind from MLJ including, without limitation, editorial control or approval, that any suggestions regarding content received from MLJ are made ‘as-is’ and without any warranty; and that you have had all marketing materials created by you reviewed by competent legal counsel and solely assume all responsibility for it; (v) you are at least 18 years of age, (vi) your use of the Site and Content is legal in, and does not violate any laws or rules of, the jurisdictions in which you reside or from which you use or otherwise access the Site, (vii) all information (if any) provided by you to us is correct, (viii) your use of the Site, Content and Services shall be in accordance with this Agreement and your Affiliate Agreement and the Policies and Procedures of MLJ if you are an affiliate and (ix) you are capable of assuming, and do assume, any risks related to the use of the Site, Content and Services.

DISCLAIMER OF WARRANTIES
MLJ HEREBY MAKES NO REPRESENTATIONS, AND DISCLAIMS ALL WARRANTIES, ARISING OUT OF OR IN CONNECTION WITH THE SITE, THE CONTENT AND THE SERVICE. THIS INCLUDES, WITHOUT LIMITATION, ANY AND ALL WARRANTIES EXPRESS AND IMPLIED, THE WARRANTIES OF NONINFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE; THOSE ARISING BY LAW, STATUTE, USAGE OF TRADE OR COURSE OF DEALING; ANY LIABILITY WITH REGARD TO THE SITE, CONTENT AND SERVICES; AND ANY ACTIONS RESULTING FROM YOUR PARTICIPATION IN ANY SERVICE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SITE AND ALL CONTENT, SERVICES, SOFTWARE AND PRODUCTS ARE PROVIDED ‘AS IS,’ ‘WITH ALL FAULTS,’ AND ‘AS AVAILABLE.’ WE DISCLAIM ALL WARRANTIES. YOUR USE OF THE SITE, SERVICE AND CONTENT IS AT YOUR SOLE RISK. ALTHOUGH OUR CONTENT MAY BE UPDATED FROM TIME-TO-TIME, IT MAY BE OUT-OF-DATE AND/OR MAY CONTAIN INACCURACIES OR TYPOGRAPHICAL ERRORS. WE ARE NOT RESPONSIBLE FOR YOUR INABILITY OR FAILURE (FOR ANY REASON) TO ACCESS THE SITE OR CONTENT OR OTHERWISE USE OR RECEIVE INFORMATION OR SERVICE FROM OR REGARDING THE SITE, CONTENT, OR YOUR PURCHASES FROM US. WE DO NOT WARRANT THAT THE SITE OR SERVICE WILL BE COMPATIBLE WITH ANY HARDWARE OR SOFTWARE SYSTEMS OR THAT THE SITE OR SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.
YOU ASSUME THE RISK OF ANY AND ALL DAMAGE OR LOSS FROM USE OF, OR INABILITY TO USE, THE SITE OR SERVICE.
WE ARE NOT RESPONSIBLE OR LIABLE FOR MAINTAINING ANY CONSUMER DATA OR FOR THE DELETION, CORRUPTION, DESTRUCTION, DAMAGE, LOSS OR FAILURE OF ANY CONSUMER DATA OR FOR ANY THIRD PARTY ACCESS TO ANY CONSUMER DATA.
WE MAKE NO WARRANTY OR REPRESENTATION AS TO THE LEVEL OF SUCCESS, IF ANY, WHICH INDIVIDUALS MAY ACHIEVE BY USING ANY OF OUR SERVICE. INDIVIDUAL RESULTS MAY VARY AND DEPEND ON MANY FACTORS INCLUDING AN INDIVIDUAL’S SPECIFIC FINANCIAL SITUATION, EFFORTS AND ACTIONS. YOU SHOULD SEEK THE ADVICE OF QUALIFIED PROFESSIONALS SUCH AS AN ACCOUNTANT, ATTORNEY AND/OR PROFESSIONAL ADVISOR FOR SPECIFIC ADVICE FOR YOUR BUSINESS.

LIMITED LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR AFFILIATED PARTIES SHALL HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF ANY CONTENT, THE SITE, THE SERVICE, OR INFORMATION RELATED TO THE SITE OR SERVICE, AND SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, OR LITIGATION), (I) ARISING FROM ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE UPON THE CONTENT OR OUR PRODUCTS OR SERVICE, (II) ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE OR CONTENT, OR WITH THE DELAY OR INABILITY TO USE THE SITE, CONTENT, OR RELATED SERVICE, OR FROM THE USE OR MISUSE OF ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES, RELATED GRAPHICS, AND CONTENT OBTAINED THROUGH THE SITE, (III) ANY INCORRECT OR MISSING INFORMATION OR DATA, OR (IV) OTHERWISE ARISING OUT OF OR RESULTING FROM LOSS OF YOUR DATA OR INFORMATION, WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR MAXIMUM LIABILITY, IF ANY, FOR ANY LOSS OR DAMAGE RELATING TO OR ARISING OUT OF YOUR USE OF THE SITE OR ANY CONTENT WILL NOT EXCEED THE LESSER OF YOUR ACTUAL DAMAGES OR THE CHARGES PAID BY YOU TO US FOR THE SITE FOR A PERIOD OF ONE MONTH.
WE ARE NOT RESPONSIBLE FOR INTERRUPTED, INACCESSIBLE OR UNAVAILABLE NETWORKS, SERVERS, SATELLITES, INTERNET SERVICE PROVIDERS, WEBSITES OR OTHER CONNECTIONS, OR FOR MISCOMMUNICATIONS, FAILED, JUMBLED, SCRAMBLED, DELAYED, OR MISDIRECTED COMPUTER, TELEPHONE OR CABLE TRANSMISSIONS, OR FOR ANY TECHNICAL MALFUNCTIONS, FAILURES OR DIFFICULTIES.
THE ABOVE LIMITATIONS AND EXCLUSIONS SHALL APPLY TO YOU TO THE FULLEST EXTENT THAT APPLICABLE LAW PERMITS, IN ALL ACTIONS OF ANY KIND, WHETHER BASED ON CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE) OR ANY OTHER LEGAL OR EQUITABLE THEORY. ANY CLAUSE DECLARED INVALID SHALL BE DEEMED SEVERABLE AND NOT AFFECT THE VALIDITY OR ENFORCEABILITY OF THE REMAINDER OF THESE TERMS OF USE.

INCOME DISCLOSURE
THE INCOME DISCLOSURE POSTED ON OUR WEBSITE IS INCORPORATED HEREIN BY REFERENCE AND YOU HEREBY REPRESENT THAT YOU HAVE READ AND UNDERSTAND IT.

ADDITIONAL RESTRICTIONS
YOU AGREE THAT:
You are the owner, director, manager or executive office of an existing business, and you will use the Service, Content and Site only for purposes of enhancing your existing business.
You will not use the Site, the Service or the Content to start a new business. You acknowledge that the Site, the Content and the Service are not intended for use in starting a new business. Starting a new business involves complexities that are not addressed by the Site, the Service or the Content.
MLJ does not and will not offer you advice regarding locations for your business, provide customers or accounts for your business, or purchase from you any services or products you create using the Site, the Content or the Service.
MLJ does not, and will not, tell you or advise you how to operate your business, including without limitation, not providing you any sales or marketing plan for your business.

RELATED SITES
MLJ has no control over, and no liability for, any third party sites or materials (‘Third Party Sites’). MLJ works with a number of partners and affiliates whose Internet sites may be linked with the Site. Because MLJ has no control over the content and performance of these Third Party Sites, MLJ makes no guarantees about the accuracy, currency, content, or quality of the information provide by such Third Party Sites, and MLJ assumes no responsibility for unintended, objectionable, inaccurate, misleading, or unlawful content that may reside on those Third Party Sites. Similarly, from time to time in connection with your use of the Site, you may have access to content items (including, but not limited to, websites) that are owned by third parties. You acknowledge and agree that MLJ makes no representations, warranties or guarantees about, and assumes no responsibility for, the accuracy, currency, content, or quality of said Third Party Sites, and that, unless expressly provided otherwise, this Agreement shall govern your use of any and all Third Party Sites.
Your linking to such Third Party Sites is at your own risk. We do not investigate, monitor, or check such Third Party Sites for accuracy or completeness. We are not responsible for the availability of these Third Party Sites, nor are we responsible for the aesthetics, appeal, suitability to taste or subjective quality of informational content, advertising, products or other materials made available on or through such Third Party Sites. We are providing these links to you only as a convenience and may discontinue providing such links at any time in our sole discretion without notice to you. No endorsement of any third party content, information, data, opinions, advice, statements, goods, services or products is expressed or implied by any information, material or content of any Third Party Site contained in, referred to, included on, or linked from or to, the Site. Under no circumstances shall we or any affiliated providers be held responsible or liable, directly or indirectly, for any loss, injury, or damage caused or alleged to have been caused to you in connection with the use of, or reliance upon, any content, information, data, opinions, advice, statements, goods, services, or products available on such Third Party Sites. You should direct any concerns to the respective Third Party Site’s administrator or webmaster. Any links to Third Party Sites do not imply that we are legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through such links, or that any linked Third Party Site is authorized to use any trademark, trade name, logo or copyright symbol of ours.
MLJ, its managers, or members may receive an affiliate commission when you purchase some of the products or services that we recommend on our Site or Service. By entering into this Agreement, you acknowledge that you have been informed of such payments, consent to payments of affiliate commission, and agree that such payments are fair and reasonable.

TERMINATION
You agree that MLJ may suspend or terminate your use of the Site or Service, in its sole discretion, including without limitation, if MLJ believes, in our sole and absolute discretion, that you have breached any term of this Agreement or, if you are an affiliate with MLJ, your Affiliate Agreement or MLJ’s Policies and Procedures. You acknowledge and agree that MLJ shall not be liable to you or any other party for said suspension and termination.
Upon termination, your license to use the Site, Content or Service and everything accessible by or through the Site, Content or Service shall terminate and the remainder of this Agreement shall survive indefinitely unless and until we chose to terminate it.
Upon termination of any part of this Agreement for any reason, we shall make reasonable efforts to ensure that your User Content is inaccessible and cease use of it; however, you acknowledge and agree that: (i) caching of, copies of or references to the User Content may not be immediately removed or possible to remove; (ii) such removed User Content may continue in backups (not available to others) for a relatively short period of time; and (iii) due to re-blogging capabilities, such removed User Content may continue to be available (and stored on our servers) through the accounts of other subscribers.

NOTICES
All notices required or permitted to be given under this Agreement will be in writing and delivered to the other party by the following method: by both electronic mail and a courtesy text message to the most recently known cell phone number informing the party of the sending of the electronic mail. Currently, Lynne’s email address is Lynne@mljInternational.com and her cell phone number is +1-613-484-3861. If MLJ provides notice to you, MLJ will use the contact information provided by you to us. All notices will be deemed received within 24 hours of sending if no ‘system error’ or other notice of non-delivery is generated. If applicable law requires that a given communication be ‘in writing,’ you agree that email communication will satisfy this requirement.

INDEMNITY
You agree to indemnify, defend and save MLJ, its managers, members, officers, directors, employees, consultants, agents, and representatives harmless from and against any and all actions, claims, demands, proceedings, liabilities, damages, judgments, settlements, fines, penalties, costs, and expenses, including attorney’s fees and related costs, which (i) arise in full or in part from your negligence or wrongful act(s) or omission(s); (ii) arise from or are related to a breach you have any express warranty contained herein; or (iii) failure to comply with this Agreement. We have no duty to reimburse, defend, indemnify, or hold you harmless resulting from, relating to, or arising out of, this Agreement, the Site, Content or Service, or your access to or use of the Site, Content or Service.
If an action is brought against MLJ in respect to any allegation for which indemnity may be sought, MLJ will promptly notify you of any such claim of which it becomes aware and will: (i) provide reasonable cooperation to you at your expense in connection with the defense or settlement of any such claim; and (ii) be entitled to participate at its own expense in the defense of any such claim.
MLJ agrees that you will have sole and exclusive control over the defense and settlement of any such third party claim. However, you agree not to acquiesce to any judgment or enter into any settlement that adversely affects MLJ’s rights or interests without the prior written consent of MLJ.

GOVERNING LAW
This Agreement shall be construed in accordance with and governed by the laws of the Dominion of Canada, without reference to their rules regarding conflicts of law. You hereby irrevocably consent to the exclusive jurisdiction of Provincial or Federal courts in Canada in all disputes arising out of or related to the use of the Site, Content or Service. In the event of a dispute between an affiliate and MLJ arising from or relating to the Agreement, or the rights and obligations of either party, the parties shall attempt in good faith to resolve the dispute through confidential, nonbinding mediation as may be more fully described in the Policies and Procedures. MLJ shall not be obligated to engage in mediation as a prerequisite to disciplinary action against an Affiliate. If the parties are unsuccessful in resolving their dispute through mediation, the dispute shall be settled totally and finally by arbitration as may be more fully described in the Policies and Procedures.
Notwithstanding the foregoing, either party may bring an action before the courts seeking a restraining order, temporary or permanent injunction, or other equitable relief to protect its intellectual property rights, including, but not limited to, customer and/or affiliate lists as well as other trade secrets, trademarks, trade names, patents, and copyrights. The parties may also seek judicial enforcement of an arbitration award. You waive any requirement of posting a bond in connection with such an action brought against you.
These Terms of Use do not limit any rights or remedies that we or our suppliers, licensors or other similar entities, may have under trade secret, copyright, patent, trademark or other laws.

SEVERABILITY; WAIVER
If, for whichever reason, a court of competent jurisdiction finds any term or condition in this Agreement to be unenforceable, all other terms and conditions will remain unaffected and in full force and effect. No waiver of any breach of any provision of this Agreement shall constitute a waiver of any prior, concurrent, or subsequent breach of the same or any other provisions hereof, and no waiver shall be effective unless made in writing and signed by an authorized representative of the waiving party.

MODIFICATIONS
MLJ may, in its sole discretion and without prior notice, (i) revise this Agreement; (ii) modify the Site, Content or the Service, and (iii) discontinue the Site, Content or Service at any time for any reason. MLJ shall post any revision to this Agreement to the Site, and the revision shall be effective immediately upon such positing. In the event of substantive changes to this Agreement, the new terms will be posted to the Site. If any modification is unacceptable to you, your only recourse is not to use the Site and Service and to request an immediate termination of your membership. Your continued use of the Site, Content or the Service following positing of a change notice or new Agreement on the Site will constitute binding acceptance of the changes.

MISCELLANEOUS
This Agreement will be binding upon each party hereto and its successors and permitted assigns. This Agreement will not be assignable or transferable by you without MLJ’s prior written consent. This Agreement, and the related policy statements referred to herein, contains the entire understanding of the parties regarding use of the Site, Content and Service, and supersedes all prior and contemporaneous agreements and understandings between the parties regarding same. Any rights not expressly granted herein are reserved. No agency, partnership, joint venture or employee-employer relationship is intended or created by this Agreement. The provisions of this Agreement addressing disclaimers of representations and warranties, indemnity obligations, intellectual property and governing law shall survive the termination of this Agreement.
BY USING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT, UNDERSTAND IT AND AGREE TO BE BOUND BY THE AGREEMENT, AS AMENDED FROM TIME TO TIME.

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