Trademark Warning Notice

The Mommyhood Mentor® and Memoirs of a Clueless Woman® are trademarks of Clue Consulting, LLC registered in the U.S. Patent and Trademark Office and may not be used without permission.

Copyright Information

This website contains copyrighted material (all rights reserved). Any unauthorized use of copyrighted material on this website is prohibited by federal law. No part of this website may be reproduced or transmitted in any form or by any means, including photocopying, without permission in writing from Carin Kilby Clark.

Results Disclaimer

Any stories, case studies or testimonials contained on this website do not constitute a warranty, guarantee or prediction regarding the outcome of an individual using Carin Kilby Clark and Time to Thrive, LLC coaching or mentoring for any particular situation. While all materials and links to other resources are posted in good faith, the accuracy, validity, effectiveness, completeness, or usefulness of any information posted, as with any publication, cannot be guaranteed. Carin Kilby Clark and Time to Thrive, LLC accepts no responsibility or liability whatsoever for the use or misuse of the information contained on this website, including links to other resources.

No Professional Advice

By continuing to explore my website, you indicate your understanding of the following disclaimer. The information contained in or made available through our sites (including but not limited to information contained on videos, message boards, comments, on coaching calls, in emails, in text files, or in chats), including ideas, concepts, suggestions, techniques, and other materials, is educational in nature and is provided only as general information and is not legal, financial, medical or psychological advice. Transmission of the information on this website is not intended to create, and receipt does not constitute a client-mentor or any other type of professional relationship between the visitor and Carin Kilby Clark and should not be relied upon as medical, psychological, coaching, or other professional advice of any kind.

Any information presented on this website about Time to Thrive™ coaching and mentoring programs is not intended to represent that they are used to diagnose, cure, treat, or prevent any medical problem or psychological disorder nor are they intended as a substitute for seeking professional health care advice. In particular, you should regularly consult a doctor in all matters relating to physical or mental health, particularly concerning any symptoms that may require diagnosis or medical attention. We and our licensors or suppliers make no representations or warranties concerning any treatment, action, or application of medication or preparation by any person following the information offered or provided within or through the Sites.

Neither Carin Kilby Clark, Time to Thrive, LLC nor our partners, or any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to economic loss, injury, illness or death. You alone are responsible and accountable for your decisions, actions, and results in life, and by your use of the Sites, you agree not to attempt to hold us liable for any such decisions, actions or results, at any time, under any circumstance.

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Carinkilbyclark.com is a personal website and blog written and edited by Carin Kilby Clark, Owner of Time to Thrive, LLC.

As the owner of this website, I do accept forms of cash advertising or sponsorship. There might also be paid topic insertions. I will and do accept and keep free products, services, travel, event tickets, and other forms of compensation from companies and organizations. The compensation received will never influence the content, topics or posts made in this website.

I, the owner of this website, am sometimes compensated to provide opinion on products, services, websites, and various other topics. Even though I receive compensation for some advertisements, I always give my honest opinions, findings, beliefs, or experiences on those topics or products. I will only endorse products or services that I believe, based on my expertise, are worthy of such endorsement.

The views and opinions expressed on this website belong purely to Carin Kilby Clark or the writer of the post – there are occasional guest contributors. Any product claim, statistic, quote, or other representation about a product or service should be verified with the manufacturer, provider, or party in question.

This website uses affiliate programs for monetization, which means when you click on links to various sites or products that I recommend in my posts and make a purchase, this can result in a commission that is credited to this site. Some affiliate programs and affiliations include, but are not limited to Commission Junction, Google Affiliate, SiteSell, ClickBank, Website Palace, Thesis, and more.

We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.

Text and image ads that appear on this blog are third party (i.e. Google AdSense) and sponsor ads. I do not personally endorse the products and services advertised in these ads. These companies are not affiliated with Time to Thrive, LLC.

For questions about this website or about this policy, please contact Carin Kilby Clark.

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Your privacy is very important to me. Accordingly, I developed this Policy in order for you to understand how I collect, use, communicate and disclose and make use of personal information. The following outlines my privacy policy for Carin Kilby Clark, Time to Thrive, LLC (“Carin Kilby Clark”).

Before or at the time of collecting personal information, I will identify the purposes for which information is being collected. Ways I collect information include, for example: giveaways, email list/newsletter sign up, and surveys.

I will collect and use personal information solely with the objective of fulfilling those purposes specified by me and for other compatible purposes, unless I obtain the consent of the individual concerned or as required by law.

I will only retain personal information as long as necessary for the fulfillment of those purposes.

I will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned. Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.

I will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. I will make readily available to customers information about our policies and practices relating to the management of personal information.

I am committed to conducting my business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

Please note: I work with third parties {e.g. Google Adwords, Facebook Advertising, Twitter Ads} to collect user data for conversion tracking and serving ads targeted to users’ interests, and you can opt out of interest-based advertising with individual networks as specified in their privacy/data collection policies.

I use third-party advertising companies to serve ads when you visit my Web site. These companies may use aggregated information (not including your name, address, email address or telephone number) about your visits to this and other Websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, please see: http://www.networkadvertising.org/managing/opt_out.asp

If you have any questions about this policy, please contact Carin Kilby Clark.

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Payment Options

Carinkilbyclark.com accepts all major credit cards and Paypal payments. In the event your credit card is declined, we will inform you via email and ask that you place your order again with a new card. Your credit card will be charged on the day you place your order for goods or services. The charge will appear on your credit card or Paypal statement as CARINKCLARK or CARIN KILBY CLARK or TIME TO THRIVE, LLC.

Payment Plans

Many of our products and programs offer a convenient payment plan option where your investment can be split into multiple payments. After the initial payment, subsequent payments are automatically debited from your account every 30 days until the balance has been paid. For example, if you make a purchase and choose the payment plan on May 1, your credit card will be charged for the next payment on May 31 and so on.

Refund Policy for Digital Ebooks, Courses, Products and Programs

Since carinkilbyclark.com, including learn.timetothrive.co and programs.carinkilbyclark.com, offers non-tangible irrevocable goods we do not issue refunds for digital ebooks, courses, products, and programs purchased on carinkilbyclark.com, including learn.timetothrive.co and programs.carinkilbyclark.com, once the order is accomplished and the product download link is sent. By making a purchase with carinkilbyclark.com, including learn.timetothrive.co and programs.carinkilbyclark.com, you are confirming that you have read and understood the refund policy on our digital products and programs. If you have any questions about this policy or need assistance with your digital purchase, please contact us at support@carinkilbyclark.com.

Refund Policy for Individual and Group Programs

Enrollment in any of the coaching or mentoring programs on carinkilbyclark.com, including learn.timetothrive.co and programs.carinkilbyclark.com, constitutes a non-cancellable agreement. There are absolutely no refunds or cancellations and you are legally and financially responsible for the full tuition of the program in which you are enrolled, regardless of whether you actually participate or show up for your coaching/mentoring session(s).

Cancellation and Refund Policy for Subscription Services

Within 30 days of the purchase of your carinkilbyclark.com, including learn.timetothrive.co and programs.carinkilbyclark.com, subscription, you may cancel your account via the clearly-marked cancellation form and we will refund the full amount you paid upon request. No refunds are provided after the first 30 days, and we do not provide pro-rata refunds for canceled accounts. After the initial refund period expires, Carin Kilby Clark will continue to charge you on a monthly basis at the initial subscription rate unless you cancel your account via the clearly-marked “Cancel” link within your carinkilbyclark.com, including learn.timetothrive.co and programs.carinkilbyclark.com, account. This will happen on the same day of the subsequent month that you initially joined. We will send notification on the day your credit card is charged to the email address you provide us.

Refund and Return Policy for Physical Products

One-time purchase physical products (including payment plans) are subject to a refund within the first 30-days unless otherwise stated on the sales page. This 30-day period begins on the date the product is delivered. ALL REFUND AND RETURN REQUESTS MUST BE SUBMITTED IN WRITING TO support@carinkilbyclark.com.

If, for any reason during the 30-day refund period, you do not wish to keep a physical product, you are required to request a return authorization form via email at support@carinkilbyclark.com.

Any return of a physical product MUST be accompanied by a completed return authorization form and must be received within the 30-day refund period. All products received after the 30-day period are non-refundable.

If the product is returned in new and unopened condition, you will receive a full refund of the original purchase price, less any shipping and handling fees. ALL shipping and handling fees are non-refundable once the product has been processed for shipment. The cost of initial shipping and all return shipping is solely your responsibility. We do not accept COD.

A refund can be refused if the following conditions are met:

  • The product return is not authorized
  • The product is completely broken and unusable
  • The product is returned incomplete
  • The product is returned beyond the required return date

Any costs associated with shipping, handling, and/or processing are non-refundable.

If you have any questions about this policy or need assistance with your physical product purchase, please contact us at support@carinkilbyclark.com.

Payment Confirmation

Upon checkout, an email will be sent to you with a copy of your order. If you have any questions about your order status, please contact us at support@carinkilbyclark.com.

Troubleshooting Digital Downloads

If you do not receive the downloads following your purchase of a digital ebook, course, product or program, it is likely due to one of the following reasons: 1) You entered your email address incorrectly on the online order form or 2) Your confirmation email was sent to your spam folder. In the event that you cannot download a digital product that you have received, it is probably because you do not have Adobe Reader (free PDF reader viewer) installed on your computer. You can download Adobe Reader for free here: http://get2.adobe.com/reader/. For assistance with all other digital download issues, please contact us at support@carinkilbyclark.com.

Chargebacks and Payment Security

When you provide carinkilbyclark.com, including learn.timetothrive.co and programs.carinkilbyclark.com, with your credit card information for payment on your account, Carin Kilby Clark shall be authorized to charge your credit card for any outstanding fees. If you sign up for a payment plan to make monthly payments on any product, program or service, Carin Kilby Clark shall be authorized to run all charges on or around the time they are due and not require separate authorization in order to do so. You may not make any chargebacks or cancel the credit card that is provided as security without our prior written consent. You are fully responsible for any fees associated with recouping payment on chargebacks and any fees associated with the payment collection process. Further, you may not change any of the credit card information provided to carinkilbyclark.com, including learn.timetothrive.co and programs.carinkilbyclark.com, without notifying us in advance.

Account registrations and Purchases made with Carin Kilby Clark, Time to Thrive, LLC on https://carinkilbyclark.com, https://learn.timetothrive.co, or https://programs.carinkilbyclark.com, are encrypted with the SSL certificate installed on this site. This means that you can be reassured that there is a secure connection when you process transactions on this website.

If you have any questions about our sales and refund policies, please contact us at support@carinkilbyclark.com.

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1. ACCEPTANCE OF TERMS

The carinkilbyclark.com, including learn.timetothrive.co and programs.carinkilbyclark.com, membership and website is a property of Carin Kilby Clark, Time to Thrive, LLC (“Carin Kilby Clark”) which provides website and software services to you subject to the following Terms of Service (“TOS”), which may be updated from time to time without notice. You can review the most current version of the TOS any time at: https://carinkilbyclark.com/legal. In addition, when using any particular Carin Kilby Clark-owned or -operated services, you and Carin Kilby Clark shall be subject to any posted guidelines or rules applicable to such services, which may be modified from time to time. All such guidelines or rules are hereby incorporated by reference into the TOS. Carin Kilby Clark may also offer other services that are governed by different terms of service.

2. DESCRIPTION OF SERVICE

Carin Kilby Clark provides users with access to a rich collection of resources, including various communications tools, search services, and personalized content through its network of properties which may be accessed through any medium or device now known or hereafter developed (the “Service”). You also understand and agree that the Service may include advertisements and that these advertisements are necessary for Carin Kilby Clark to provide the Service. You also understand and agree that the Service may include certain communications from Carin Kilby Clark, such as service announcements, administrative messages, and newsletter(s), and that these communications are considered part of your membership. Unless explicitly stated otherwise, any new features that augment or enhance the current Service, including the release of new Carin Kilby Clark properties, shall be subject to the TOS. You understand and agree that the Service is provided “AS-IS” and that Carin Kilby Clark assumes no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalization settings. You are responsible for obtaining access to the Service, and that access may involve third-party fees (such as Internet service provider or airtime charges). You are responsible for those fees, including those fees associated with the display or delivery of advertisements. In addition, you must provide and are responsible for all equipment necessary to access the Service.

3. YOUR REGISTRATION OBLIGATIONS

In consideration of your use of the Service, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of the United States or other applicable jurisdiction. You also agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the Service’s registration form (the “Registration Data”) and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or Carin Kilby Clark has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Carin Kilby Clark has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof).

4. CARIN KILBY CLARK PRIVACY POLICY

Registration Data and certain other information about you is subject to our Privacy Policy. For more information, see our full privacy policy at https://carinkilbyclark.com/legal. You understand that through your use of the Service you consent to the collection and use (as set forth in the Privacy Policy) of this information, including the transfer of this information to the United States and/or other countries for storage, processing and use by Carin Kilby Clark.

5. MEMBER ACCOUNT, PASSWORD, AND SECURITY

You will create a password and account designation upon completing the Service’s registration process. You are responsible for maintaining the confidentiality of the password and account and are fully responsible for all activities that occur under your password or account. You agree to (a) immediately notify Carin Kilby Clark of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. Carin Kilby Clark cannot and will not be liable for any loss or damage arising from your failure to comply with this Section 5.

6. MEMBER CONDUCT

You understand that all information, data, text, software, music, sound, photographs, graphics, video, messages, tags, or other materials, whether publicly posted or privately transmitted (“Content”), are the sole responsibility of the person from whom such Content originated. This means that you, and not Carin Kilby Clark, are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available via the Service. Carin Kilby Clark does not control the Content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Service, you may be exposed to Content that is offensive, indecent, or objectionable. Under no circumstances will Carin Kilby Clark be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available via the Service.

You agree to not use the Service to:

  1. upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;
  2. harm minors in any way;
  3. impersonate any person or entity, including, but not limited to, a Carin Kilby Clark official, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity;
  4. forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service;
  5. upload, post, email, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
  6. upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other intellectual or proprietary rights (“Rights”) of any party;
  7. upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising or promotional materials, except in those areas (such as shopping) that are designated for such purpose; in no event , however, is junk mail, spam, chain letters, pyramid or Ponzi schemes, or the like allowed;
  8. upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
  9. disrupt the normal flow of dialogue, cause a screen to “scroll” faster than other users of the Service are able to type, or otherwise act in a manner that negatively affects other users’ ability to engage in real time exchanges;
  10. interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
  11. intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law;
  12. provide material support or resources (or conceal or disguise the nature, location, source, or ownership of material support or resources) to any organization(s) designated by the United States government as a foreign terrorist organization pursuant to section 219 of the Immigration and Nationality Act;
  13. “stalk” or otherwise harass another; and/or
  14. collect or store personal data about other users in connection with the prohibited conduct and activities set forth in paragraphs a through m above.

You acknowledge that Carin Kilby Clark may or may not pre-screen Content, but that Carin Kilby Clark and its designees shall have the right (but not the obligation) in its sole discretion to pre-screen, refuse, or move any Content that is available via the Service. Without limiting the foregoing, Carin Kilby Clark and its designees shall have the right to remove any Content that violates the TOS or is otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not rely on any Content, including without limitation information in message boards and in all other parts of the Service.

You acknowledge, consent, and agree that Carin Kilby Clark may access, preserve and disclose your account information and Content if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the TOS; (c) respond to claims that any Content violates the rights of third parties; (d) respond to your requests for customer service; or (e) protect the rights, property, or personal safety of Carin Kilby Clark, its principals, employees, associates, affiliates, users, and the public.

You understand that the technical processing and transmission of the Service, including your Content, may involve: (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

You understand that the Service and software embodied within the Service may include security components that permit digital materials to be protected, and that use of these materials is subject to usage rules set by The Mommyhood Mentor and/or content providers who provide content to the Service. You may not attempt to override or circumvent any of the usage rules embedded into the Service. Any unauthorized reproduction, publication, further distribution, or public exhibition of the materials provided on the Service, in whole or in part, is strictly prohibited.

7. INTERSTATE NATURE OF COMMUNICATIONS ON THE CARIN KILBY CLARK NETWORK

When you register, you acknowledge that in using Carin Kilby Clark services to send electronic communications you will be causing communications to be sent through Carin Kilby Clark’s computer networks, which are located in various locations in the United States, and portions of which are located abroad. As a result, and also as a result of Carin Kilby Clark’s network architecture, business practices, and the nature of electronic communications, even communications that seem to be intrastate in nature can result in the transmission of interstate communications regardless of where one is physically located at the time of transmission.

Accordingly, by agreeing to this TOS, you acknowledge that use of the service results in interstate and international data transmissions.

8. SPECIAL ADMONITIONS FOR INTERNATIONAL USE

Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

9. CONTENT SUBMITTED OR MADE AVAILABLE FOR INCLUSION ON THE SERVICE

Carin Kilby Clark does not claim ownership of Content you submit or make available for inclusion on the Service, however, with respect to Content you submit or make available for inclusion on publicly-accessible areas of the Service, you grant Carin Kilby Clark and its Affiliate Companies the following worldwide, royalty-free, and non-exclusive license(s), as applicable:

* With respect to photos, graphics, audio, or video you submit or make available for inclusion on publicly-accessible areas of the Service, the license to use, distribute, reproduce, modify, adapt, publicly perform, and publicly display such Content on the Service. This license exists only for as long as you elect to continue to include such Content on the Service and terminates at the time you or Carin Kilby Clark removes such Content from the Service.

* With respect to Content other than photos, graphics, audio or video you submit or make available for inclusion on publicly-accessible areas of the Service, the perpetual, irrevocable and fully sublicensable license to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform, and publicly display such Content (in whole or in part) and to incorporate such Content into other works in any format or medium now known or later developed.

“Publicly accessible” areas of the Service are those areas of the Carin Kilby Clark network of properties that are intended by Carin Kilby Clark to be available to the general public.

10. INDEMNITY

You agree to indemnify and hold Carin Kilby Clark and its Affiliate Companies, and their officers, agents, employees, partners, and licensors harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of Content you submit, post, transmit or otherwise make available through the Service, your use of the Service, your connection to the Service, your violation of the TOS, or your violation of any rights of another.

11. NO RESALE OF SERVICE

You agree not to reproduce, duplicate, copy, sell, trade, resell, or exploit for any commercial purposes, any portion of the Service (including your membership ID), use of the Service, or access to the Service.

12. GENERAL PRACTICES REGARDING USE AND STORAGE

You acknowledge that Carin Kilby Clark may establish general practices and limits concerning use of the Service, including without limitation the maximum number of days that uploaded Content will be retained by the Service, the maximum number of email messages that may be sent from or received by an account on the Service, the maximum size of any email message that may be sent from or received by an account on the Service, the maximum disk space that will be allotted on Carin Kilby Clark’s servers on your behalf, and the maximum number of times (and the maximum duration for which) you may access the Service in a given period of time. You agree that Carin Kilby Clark has no responsibility or liability for the deletion or failure to store any messages and other communications or other Content maintained or transmitted by the Service. You acknowledge that Carin Kilby Clark reserves the right to log off accounts that are inactive for an extended period of time. You further acknowledge that Carin Kilby Clark reserves the right to modify these general practices and limits from time to time without notice.

13. MODIFICATIONS TO SERVICE

Carin Kilby Clark reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that Carin Kilby Clark shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the Service for any reason.

14. TERMINATION

You agree that Carin Kilby Clark may, in its sole discretion and without prior notice, immediately terminate your account, deny access to any and all associated Content entered by you or related parties, and deny access to the Service for reasons that include, but are not limited to: (a) breaches or violations of the TOS or other incorporated agreements or guidelines; (b) requests by law enforcement or other government agencies; (c) a request by you (self-initiated account deletions); (d) discontinuance or material modification to the Service (or any part thereof); (e) unexpected technical or security issues or problems; (f) extended periods of inactivity; (g) engagement by you in fraudulent or illegal activities; and/or (h) nonpayment of any fees owed by you in connection with the Services. Termination of your account includes (a) removal of access to all offerings within the Service, (b) deletion of your password and all related information, files, and content associated with or inside your account (or any part thereof), and (c) barring of further use of the Service. Further, you agree that Carin Kilby Clark shall not be liable to you or any third party for any such termination of your account, any associated email address, or access to the Service.

15. DEALINGS WITH ADVERTISERS

Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Service, including payment and delivery of related goods or services, and any other terms, conditions, warranties, or representations associated with such dealings, are solely between you and such advertiser. You agree that Carin Kilby Clark shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Service.

16. LINKS

The Service may provide, or third parties may provide, links to other websites or resources. Because Carin Kilby Clark has no control over such sites and resources, you acknowledge and agree that Carin Kilby Clark is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that Carin Kilby Clark shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

17. CARIN KILBY CLARK PROPRIETARY RIGHTS

You acknowledge and agree that the Service and any necessary software used in connection with the Service (“Software”) contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content contained in sponsor advertisements or information presented to you through the Service or by advertisers is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as otherwise provided or expressly authorized by Carin Kilby Clark, you agree not to modify, rent, lease, loan, sell, distribute, or create derivative works based on the Service or the Software, in whole or in part.

18. DISCLAIMER OF WARRANTIES

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

a. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. CARIN KILBY CLARK, AND THEIR OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

b. CARIN KILBY CLARK AND ITS OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS, MAKE NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS; (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS; AND (v) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.

c. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

d. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM CARIN KILBY CLARK OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOS.

e. A SMALL PERCENTAGE OF USERS MAY EXPERIENCE EPILEPTIC SEIZURES WHEN EXPOSED TO CERTAIN LIGHT PATTERNS OR BACKGROUNDS ON A COMPUTER SCREEN OR WHILE USING THE SERVICE. CERTAIN CONDITIONS MAY INDUCE PREVIOUSLY UNDETECTED EPILEPTIC SYMPTOMS EVEN IN USERS WHO HAVE NO HISTORY OF PRIOR SEIZURES OR EPILEPSY. IF YOU, OR ANYONE IN YOUR FAMILY, HAVE AN EPILEPTIC CONDITION, CONSULT YOUR PHYSICIAN PRIOR TO USING THE SERVICE. IMMEDIATELY DISCONTINUE USE OF THE SERVICE AND CONSULT YOUR PHYSICIAN IF YOU EXPERIENCE ANY OF THE FOLLOWING SYMPTOMS WHILE USING THE SERVICE: DIZZINESS, ALTERED VISION, EYE OR MUSCLE TWITCHES, LOSS OF AWARENESS, DISORIENTATION, ANY INVOLUNTARY MOVEMENT, OR CONVULSIONS.

19. LIMITATION OF LIABILITY

YOU EXPRESSLY UNDERSTAND AND AGREE THAT CARIN KILBY CLARK, AND ITS OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF SUCH LOSSES ARE REASONABLY FORESEEABLE OR CARIN KILBY CLARK HAS ACTUAL NOTICE OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE.

20. EXCLUSIONS AND LIMITATIONS

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 17 AND 18 MAY NOT APPLY TO YOU.

21. SPECIAL ADMONITION FOR SERVICES RELATING TO FINANCIAL MATTERS

The Service is provided for informational purposes only, and neither the Service nor the Content included in the Service is intended for trading or investing purposes. Carin Kilby Clark and its licensors shall not be responsible or liable for the accuracy, usefulness, or availability of any information transmitted or made available via the Service, and shall not be responsible or liable for any trading or investment decisions based on such information.

22. NO THIRD-PARTY BENEFICIARIES

You agree that, except as otherwise expressly provided in this TOS, there shall be no third-party beneficiaries to this agreement.

23. NOTICE

Carin Kilby Clark may provide you with notices, including those regarding changes to the TOS, by email, regular mail or postings on the Service.

24. TRADEMARK INFORMATION

All logos, product, and service names related to these TOS are trademarks of Carin Kilby Clark, Clue Consulting, LLC (the “Carin Kilby Clark Marks”). Without Carin Kilby Clark’s prior permission, you agree not to display or use in any manner the Carin Kilby Clark Marks.

25. NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT

Carin Kilby Clark respects the intellectual property of others, and we ask our users to do the same. Carin Kilby Clark may, in appropriate circumstances and at its discretion, disable and/or terminate the accounts of users who may be intentional or repeat infringers. If you believe that your work has been copied in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, please provide Carin Kilby Clark’s IP agent the following information in a writing signed (either physically or digitally) by the owner of the copyright or other intellectual property interest or a person authorized to act on his or her behalf:

a. a description of the copyrighted work or other intellectual property that you claim has been infringed;

b. a description of where the material that you claim is infringing is located on the site;

c. your address, telephone number, and email address;

d. a statement by you that you have a good-faith belief that the disputed use is not authorized by the intellectual property owner, its agent, or the law;

e. a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf.

You may give the above notice to Carin Kilby Clark’s IP agent:

By email:

support@carinkilbyclark.com

26. GENERAL INFORMATION

Entire Agreement. The TOS constitutes the entire agreement between you and Carin Kilby Clark and governs your use of the Service, superseding any prior agreements between you and Carin Kilby Clark with respect to the Service. You also may be subject to additional terms and conditions that may apply when you use or purchase certain other Carin Kilby Clark services, affiliate services, third-party content, or third-party software.

Choice of Law and Forum. The TOS and the relationship between you and Carin Kilby Clark shall be governed by the laws of the State of Virginia without regard to any principles of conflicts of law. You and Carin Kilby Clark agree to submit to the personal and exclusive jurisdiction of the courts sitting in and for the county of Loudoun, Virginia.

Waiver and Severability of Terms. The failure of Carin Kilby Clark to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision. If any provision of the TOS is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the TOS remain in full force and effect.

No Right of Survivorship and Non-Transferability. You agree that your Carin Kilby Clark account is non-transferable and any rights to your membership ID or contents within your account terminate upon your death. Upon receipt of a copy of a death certificate, your account may be terminated and all contents therein permanently deleted.

Statute of Limitations. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the TOS must be filed within one (1) year after such claim or cause of action arose or be forever barred.

The section titles in the TOS are for convenience only and have no legal or contractual effect.

27. VIOLATIONS

Please report any violations of these TOS to support@carinkilbyclark.com.

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