TERMS OF SERVICE & PRIVACY POLICY

LAST UPDATED: June 28, 2022

You can contact us anytime via [email protected] to unsubscribe or ask about our data policies, which are all below. We respect your privacy and want you to understand how we collect, use, and share data about you. By giving us your email or any personal information with or without purchase, you agree to all the terms of the TERMS OF SERVICE and PRIVACY POLICY on this page. You shouldn’t use any of our sites or purchase any of our products if you don’t agree with these Terms of Service or any other agreement that governs your use of Sites or programs. If you have any questions about these Terms of use and service, you may contact us at:

P.J.’S WISDOM, LLC.
1326 WEST PLACITA PLATA, TUCSON, AZ 85745 USA

Telephone: (520) 290-6382
[email protected]

The following TERMS OF SERVICE and PRIVACY POLICY are subject to change at any time and at the sole discretion of the Site owner and operator. Please visit the site regularly for updates.

P.J.’s Wisdom, LLC. (“COMPANY”) has created these Terms of Use, in order to inform you of COMPANY’s respective rights and responsibilities related to this service. The following discloses COMPANY’s information gathering and dissemination practices for this Web Site (the “Site”). COMPANY and related subsidiaries, divisions, and affiliates (collectively, “COMPANY Group”), may have other websites which may contain their own applicable Terms of Use. Your visits to those sites will be governed by their Terms, if any, that govern those sites.

1. Acceptance of Agreement.

You agree to the terms and conditions outlined in these Terms of Use Agreement (“Agreement”) with respect to the Site. This Agreement constitutes the entire and only agreement between us and you, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Site, the content, products or services provided by or through the Site, and the subject matter of this Agreement. This Agreement may be amended at any time by COMPANY without specific notice to you. The latest Agreement will be posted on the Site, and you should review this Agreement prior to using the Site. You are responsible for regularly reviewing these Terms. Your continued use of the Services constitutes your agreement to all such Terms. If you do not agree to these terms, you should not use this site.

2. Copyright.

The content, organization, graphics, design, compilation, magnetic translation, digital conversion, and other matters related to the Site are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by you of any such matters or any part of the Site, except as allowed by Section 4 below is strictly prohibited. You do not acquire ownership rights to any content, document, or other materials viewed through the Site. The posting of information or materials on the Site does not constitute a waiver of any right in such information and materials. P.J. Dixon and COMPANY affiliates respect the intellectual property of others, and requires that Site users do the same. By using the Site, you agree to abide by all copyright notices or other posted restrictions.

If you believe that your work has been copied and is accessible on this site in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, please contact COMPANY at [email protected] to discuss or report any/all copyright infringements related to Site content.

3. Service Marks.

Products and names mentioned on the Site may be trademarks of their respective owners.

4. Limited Right to Use.

The viewing, printing, or downloading of any content, graphic, video, audio, form, or document from the Site grants you only a limited, nonexclusive license for use solely by you for your own personal use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or other use. No part of any content, graphic, video, audio, form, or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal use (but not for resale or redistribution). You may not change, modify, delete, display, transmit, adapt, exploit, or copy for distribution or sale any information, material, trademark, or copyright on the Site. You must obtain written permission from COMPANY or any other entity who owns intellectual property on the Site before you may publish, distribute, display, or commercially exploit any material from the Site.

5. Editing, Deleting, and Modification.

We reserve the right in our sole discretion to edit or delete any documents, information or other content appearing on the Site. You may not change, modify, delete, display, transmit, adapt, exploit, or copy for distribution or sale any information, material, trademark, or copyright on the Site. You must obtain written permission from COMPANY or any other entity who owns intellectual property on the Site before you may publish, distribute, display, or commercially exploit any material from the Site.

6. No Professional Advice.

THE INFORMATION CONTAINED IN OR MADE AVAILABLE THROUGH THE SITES (INCLUDING BUT NOT LIMITED TO INFORMATION CONTAINED ON MESSAGE BOARDS, IN TEXT FILES, OR IN CHATS) CANNOT REPLACE OR SUBSTITUTE FOR THE SERVICES OF TRAINED PROFESSIONALS IN ANY FIELD, INCLUDING, BUT NOT LIMITED TO FINANCIAL, MEDICAL, PSYCHOLOGICAL, THERAPEUTIC, OR LEGAL MATTERS. IN PARTICULAR, YOU SHOULD REGULARLY CONSULT A DOCTOR IN ANY/ALL MATTERS RELATING TO PHYSICAL OR MENTAL HEALTH, PARTICULARLY CONCERNING ANY SYMPTOMS THAT MAY REQUIRE DIAGNOSIS OR MEDICAL ATTENTION. COMPANY, COMPANY GROUPS, AFFILIATED PARTNERS, AND LICENSORS AND 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. COMPANY, COMPANY GROUPS, AFFILIATED PARTNERS WILL NOT 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 SITE, YOU AGREE NOT TO ATTEMPT TO HOLD COMPANY, COMPANY GROUPS, AFFILIATED PARTNERS LIABLE FOR ANY SUCH DECISIONS, ACTIONS, OR RESULTS, AT ANY TIME, UNDER ANY CIRCUMSTANCE.

7. SMS/Mobile Texting.

When you become a customer through our sites, you may be asked to provide your phone number with COMPANY through Site, and COMPANY may use your phone number to confirm orders, deliver promised and ongoing training or communication, and to send text updates, promotions, videos, audios, or messages related to P.J. Dixon, or any of his brands or programs. You can opt-out of receiving any future text messages by simply replying to any of our text messages at any time with the word STOP. By signing up for our products or programs you hereby grant us permission to text you until you reply STOP. COMPANY does not ever sell or rent your phone number and only communicates with you regarding relevant P.J. Dixon or P.J.’s Wisdom, LLC. events and/or programs.

8. Submissions.

We welcome your comments about any of the Site. However, we will not review or consider any unsolicited creative submissions or suggestions for topics at our seminars or within our newsletters or products. The COMPANY hopes you will understand this policy is intended to avoid any/all possibility of future misunderstandings in the event that ideas developed by our staff might seem to be similar to the ideas submitted to us. Accordingly, we must ask that you not send us any original creative ideas, suggestions, or materials. If, despite our request, you send us any idea, suggestion, or material (“Submission”), it shall become COMPANY property. COMPANY will not be subject to any obligation of confidence for any Submission and will not be liable for any use or disclosure of any Submission. In the case that you submit something to COMPANY, and it is unsolicited, COMPANY will exclusively own all rights to the Submission worldwide, and COMPANY will be entitled to the unrestricted use of the Submission for any purpose, without compensation or notification to the provider of the Submission. Given this fact, we ask that you refrain from submitting creative projects to COMPANY or COMPANY Group, particularly those that are confidential or personal to you.

9. Forums.

A “forum” means any message board, chat room, user review forum or group, or other interactive service appearing in any/all commercial manner.

You may not post material that solicits funds, or that advertises or solicits goods or services. You may not post material known to be false. You may not post messages that contain stock touts. You may not post or transmit on any/all of the COMPANY’s Sites (includes both public boards and private folders). You must register in accordance with instructions that you will find on the Site, in order to contribute to any forum. You may not post on any forum, or send to any other forum user or COMPANY, COMPANY Group, or Affiliated Partners’ staff, any material that is abusive, vulgar, threatening, harassing, libelous, defamatory, obscene, invades a person’s privacy, violates any intellectual or other property rights, or that would otherwise violate any/all laws. You may not use any/all software or other material that contains a virus or other harmful component when accessing, using, or otherwise engaging in forums and forum activity. COMPANY is not responsible for material appearing in any forum on Site, except for material assigned by one of our identified representatives.

COMPANY is not responsible for screening material posted by any/all Site users for libel, obscenity, invasion of privacy, copyright or trademark infringement, accuracy, or for any other reason. COMPANY, however, retains the right to modify or remove messages or other material that we, in our sole discretion, consider infringing, offensive, abusive, defamatory, obscene, stale, or otherwise unacceptable. COMPANY further reserves the right to edit materials for any other reason, whether or not we modify or remove such material; users remain solely responsible for the content of their messages and postings. By posting on the Site, you grant (or warrant that the owner of such rights has expressly granted) COMPANY, COMPANY Groups, and Affiliated Partners worldwide, perpetual, non-exclusive right to use your questions, comments, and postings, in their original or edited form, in television programs, books, articles, commentaries, or in any other medium now known or later developed. Site or forum user also warrants that you own or otherwise control all of the rights to the content you have posted and that the public posting and use of such content by COMPANY, COMPANY Groups, and Affiliated Partners will not infringe the rights of any third party.

Additionally, you warrant that any “moral rights” in posted materials have been waived. You are not entitled to any compensation for any materials you may post on the Site.

10. Registration.

We may, at our discretion, suspend or terminate the registration of any forum user or general Site user who violates any of these terms of use, any of the forum member guidelines, or for any other behavior that COMPANY, in our discretion, believe is inappropriate.

11. Indemnification.

You agree to indemnify, defend, and hold COMPANY, COMPANY Group, and other partners, attorneys, staff, advertisers, product and service providers, and affiliates (collectively, “Affiliated Parties”) harmless from any liability, loss, claim, and expense, including reasonable attorney’s fees, related to your violation of this Agreement or use of the Site.

12. Nontransferable.

Your right to use the Site is not transferable. Any password or right given to you to obtain information or documents is not transferable.

13. Disclaimer and Limits.

THE INFORMATION FROM OR THROUGH THE SITE ARE PROVIDED “AS-IS,” “AS AVAILABLE,” AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). THE INFORMATION AND SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. THE COMPANY AND AFFILIATED PARTIES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF ANY INFORMATION OR SERVICE. IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, THE COMPANY AND AFFILIATED PARTIES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE INFLATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE AGREEMENT BETWEEN COMPANY AND YOU. THIS SITE AND THE PRODUCTS, SERVICES, AND INFORMATION PRESENTED WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM COMPANY AND AFFILIATED PARTIES THROUGH THE SITE SHALL CREATE ANY WARRANTY, REPRESENTATION, OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT. WE DO NOT PROVIDE LEGAL ADVICE NOR ENTER INTO ANY ATTORNEY-CLIENT RELATIONSHIP.

ALL RESPONSIBILITY OR LIABILITY FOR ANY DAMAGES CAUSED BY VIRUSES CONTAINED WITHIN THE ELECTRONIC FILE CONTAINING THE FORM OR DOCUMENT IS DISCLAIMED. COMPANY AND AFFILIATED PARTIES WILL NOT BE LIABLE TO YOU FOR ANY INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND THAT MAY RESULT FROM USE OF, OR INABILITY TO USE, SITE. COMPANY’S MAXIMUM LIABILITY TO YOU UNDER ALL CIRCUMSTANCES WILL BE EQUAL TO THE PURCHASE PRICE YOU PAY FOR ANY GOODS, SERVICES, OR INFORMATION.

14. Third-Party Services.

COMPANY may allow access to, or advertise, third-party products or service providers (“Merchants”) from which Site user may purchase certain goods or services. User of Site understands that COMPANY does not operate or control the products or services offered by Merchants. Merchants are responsible for all aspects of order processing, fulfillment, billing, and customer service. COMPANY is not party to the transactions entered into between Site user and Merchants. Site user agrees that use of such Merchants is AT YOUR SOLE RISK AND IS WITHOUT WARRANTIES OF ANY KIND BY US, EXPRESSED, IMPLIED, OR OTHERWISE, INCLUDING WARRANTIES OF TITLE, FITNESS FOR PURPOSE, MERCHANTABILITY OR NON-INFRINGEMENT. UNDER NO CIRCUMSTANCES IS COMPANY LIABLE FOR ANY DAMAGES ARISING FROM THE TRANSACTIONS BETWEEN YOU AND MERCHANTS, OR FOR ANY INFORMATION APPEARING ON MERCHANT SITES OR ANY OTHER SITE LINKED TO THIS SITE.

15. Third-Party Merchant Policies.

All rules, policies (including privacy policies), terms of use, disclaimers, and operating procedures of Merchants will apply to you while on such sites. COMPANY is not responsible for information provided by you to Merchants. COMPANY and Merchants are independent contractors, and neither party has authority to make any representations or commitments on behalf of the other.

16. Privacy Policy.

COMPANY’s Privacy Policy, as it may change from time to time, is a part of this Agreement.

17. Payments.

You represent and warrant that if you are purchasing something from Site or COMPANY, or from Merchants that:

A) any credit information you supply is true and complete,

B) charges incurred by you will be honored by your credit card company, and

C) you will pay the charges incurred by you at the posted prices, including any applicable taxes.

18. Refund Policy.

We want you to be satisfied with your purchase, but we also want you to give your best effort to apply all of the strategies. We do not offer a standard refund policy on programs created and distributed by COMPANY. However, in extenuating circumstances where you require a refund, you must submit proof that you did the work, and it did not work for you. In the event that you decide your purchase was not the right decision, within 30 days of enrollment, contact COMPANY at [email protected] TO REQUEST A REFUND by the 30th day at 11:59 PM EST. You must include your coursework with your request for a refund. If you request a refund and do not include your coursework by the 30th day, you will not be granted a refund.

REFUNDS WILL NOT BE GRANTED IF REQUEST IS RECEIVED more than 30 days following the date of purchase. After day 30, all payments are non-refundable, and you are responsible for full payment of the fees for the program, regardless if you complete the program. PLEASE NOTE: all refunds are discretionary as determined by P.J. Dixon. To further clarify, we will not provide refunds after the 30th day from your date of purchase, and all payments must be made on a timely basis. If payments are not made on time, you agree to pay interest on all past-due sums at a rate of 1.5% per month, or the highest rate allowed by law, whichever is greater. If you have any questions or problems, please let COMPANY know by contacting our support team directly. The support desk can be reached at: [email protected]

In the event an item or service was purchased unintentionally, or by mistake, COMPANY can only offer a refund within the first 3 days from the date of purchase. After this time period, all other above refund policies apply. Unless for some reason there was a technical issue on the side of COMPANY or Site that prevented you from accessing the product or service, and COMPANY was unable to fix the problem, then COMPANY will refund purchases past the 3 day mark noted immediately above, or work directly with Site user to create an alternative method of delivering product or service.

19. Securities Laws.

This Site may include statements concerning our operations, prospects, strategies, financial condition, future economic performance, and demand for our products or services, as well as our intentions, plans, and objectives (particularly with respect to product and service offerings), that are forward-looking statements. These statements are based upon a number of assumptions and estimates, which are subject to significant uncertainties, many of which are beyond COMPANY’s control. When used on Site, words like “anticipates,” “expects,” “believes,” “estimates,” “seeks,” “plans,” “intends,” “will” and similar expressions are intended to identify and/or qualify the above noted forward-looking statements designed to fall within securities law safe harbors for such forward-looking statements. The Site and any/all information contained herein does not constitute an offer, or a solicitation of an offer, for sale of any securities. None of the information contained herein is intended to be, and shall not be deemed to be, incorporated into any of our securities-related filings or documents.

20. Links to Other Web Sites.

The Site may contain links to other web sites. We are not responsible for the content, accuracy, or opinions expressed in, or by, such web sites. Such web sites are not investigated, monitored, or checked for accuracy or completeness by us. Inclusion of any linked web site on Site does not imply approval or endorsement of the linked web site by us. If you decide to leave our Site and access these third-party sites, you do so at your own risk.

21. Proposed Product and Service Offerings.

All descriptions of proposed products and services are based on assumptions subject to change, and Site user should not rely on the availability or functionality of products or services until they are actually and officially offered through the Site. COMPANY reserves the right in its sole discretion to determine how registration and other promotions will be introduced, offered, awarded. This determination includes, without limitation, the scope, nature and timing of all such products, services, offers, and awards.

22. Miscellaneous.

This Agreement shall be treated as though it were executed and performed in Tucson, Arizona and shall be governed by and construed in accordance with the laws of the State of AZ (without regard to conflict of law principles). Any cause of action by you with respect to the Site (and/or any information, products, or services related thereto) must be instituted within one (1) year after the cause of action arose or be forever waived and barred. All actions shall be subject to the limitations set forth in Section 8 and Section 10 above. The language in this Agreement shall be interpreted as to its fair meaning and not strictly for or against either party. All legal proceedings arising out of, or in connection with, this Agreement shall be brought solely in Tucson, AZ. You, the COMPANY’s Site user, expressly submit to the exclusive jurisdiction of said courts and consent to extra-territorial service of process. Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that anything in, or associated with, the Site is in conflict or inconsistent with this Agreement, this Agreement shall take precedence. Our failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision, nor of the right to enforce such provision.

23. Non-Academic Institutions.

Please note COMPANY, P.J.’s Wisdom, LLC., and Site are not accredited, academic institutions and do not issue diplomas or academic certifications or degrees. Neither COMPANY, nor P.J. Dixon, accept student loans or provide student aid under any programs. We are a for-profit training and research center for personal and professional development.

24. Explicit Language and Mature Content.

On COMPANY Site, in pre-recorded interviews and programs, and live events, we will occasionally discuss mature topics and language relating to personal and professional growth that may use explicit language or “curse words.” Users who are uncomfortable with such topics or language should not use our Site.

25. Confidentiality and Non-Compete.

Users of our Site hereby understand that the tools, processes, strategies, materials, and information presented at COMPANY events (live and pre-recorded) and on Site are copyrighted and proprietary, so users agree not to record, duplicate, distribute, teach, or train from our information in any manner whatsoever without COMPANY’s express written permission. Any unauthorized use or distribution of COMPANY or Site’s proprietary concepts, materials, and intellectual property by you or your representatives is prohibited and COMPANY, or Site, Promoter will pursue legal action and full damages if these terms are violated in order to protect its rights.

LASTLY: If there are any questions concerning the content disclosed in COMPANY’s Terms of Use, please contact us at [email protected]

P.J.’s Wisdom, LLC. (“COMPANY”) has created this Privacy Policy in order to inform you of COMPANY’s commitment to privacy. The following discloses COMPANY’s information gathering and dissemination practices for this Web Site (the “Site”). COMPANY and related subsidiaries, divisions, and affiliates (collectively, “COMPANY Group”), may have other websites which may contain their own applicable privacy policies. Your visits to those sites will be governed by the privacy policies, if any, that govern those sites.

PLEASE REVIEW THIS PRIVACY POLICY BEFORE USING THIS SITE

IF YOU DO NOT AGREE WITH THIS PRIVACY POLICY, DO NOT USE THE SITE. THIS PRIVACY POLICY GOVERNS THE USE OF THE WEB SITE AND APPLIES TO ANY INFORMATION YOU MAY SUBMIT TO THIS WEB SITE. BY SUBMITTING ANY PERSONAL INFORMATION TO THE SITE, YOU AGREE TO BE BOUND BY THE TERMS OF THIS PRIVACY POLICY.

Your use of this Site and the terms of this Privacy Policy are also subject to the Terms of Use. Please review those Terms of Use for additional detail regarding your use of this Site.

GENERAL INFORMATION

IP Addresses and Cookies

Generally speaking, you may visit the Site while remaining anonymous and not revealing any personal information.

COMPANY uses your IP address to help diagnose problems with the Site servers, to administer the Site, to monitor Site usage, and to gather broad demographic information. Your IP address is used to help identify you and to aid in your navigation through the Site as determined by your customization options, if any. COMPANY also may aggregate the IP address with other information to create anonymous Site statistics. COMPANY does not, however, use your IP address to collect personal information about you ever.

This Site also uses “cookies” to provide customization options at login, or to keep track of where you are in the Site, in order to provide the correct customization options when you use the Site. COMPANY also uses cookies to allow you to use features or services that you decide to select, or to keep track of usage services or links provided on the Site. COMPANY does not, however, use cookies to collect personally identifiable information about you ever.

Submission of Personal Information

Certain portions of the Site may require that you submit some personal information, such as your name and email address, before using those portions of the Site. At minimum, you are typically required to register with the Site and provide your name or email address before using any of the members only areas of the Site. For some services, such as accessing any support or download sections, registering for events, or purchasing a course or program, you may have to create an account, and submit additional personal information, such as your phone number or mailing address. You may also be required to submit information such as your name and email address before you will be authorized to post information on the Site.

You may set your browser to decline cookies. Although in most cases you may refuse cookies and still fully navigate our Site, access or use of certain parts of the Site may not be possible without the use of cookies.

Use of Personal Information

COMPANY may use personal information you submit to the Site to provide the services and information you select, to better understand its customers, to provide better products and services, and to assist COMPANY with the Site administration, such as with troubleshooting any problems, detecting fraud, resolving disputes, and for any purposes deemed necessary or required by COMPANY to enforce the Terms of Use and other terms or conditions applicable to any portion of the Site.

COMPANY also uses this information to send you information about COMPANY, COMPANY Group, or other topics COMPANY thinks may be of interest to you, such as product information or updates. As part of its business, COMPANY works with COMPANY Group, as well as other authorized partners, such as authorized resellers, to provide you with the services and information described above. As part of those activities, COMPANY may share your information with those authorized entities, so they can directly provide the information or services to you.

Third Parties

COMPANY does not sell to third parties information you have submitted to this Site that identifies you personally.

On occasion, COMPANY may offer in conjunction with third parties certain services that may require you (or COMPANY) to share your personal information with that third party as a condition for providing that service. While COMPANY will treat any information it receives in accordance with this Privacy Policy, COMPANY will not be responsible for the information submitted by you to that third party, and COMPANY reminds you to review the applicable rules and any third party’s applicable privacy policies separately before participating in such service.

Declining Information

You can always change your mind; see the Accept/Decline section below. Please note that it may take us a reasonable amount of time to implement your request, but once we do, we will no longer use and/or process your personal information. COMPANY reserves the right to keep a blocked copy of your personal information for the maximum term permitted under applicable law.

Even if you decline to receive information or cancel any account or profile, COMPANY reserves the right to maintain and, where necessary, use the personal information you previously provided to contact you about legal or regulatory administrative matters relating to your use of any portion of the Site, your account, or about any issues relating to the Terms of Use this Privacy Policy, or any other policy then in-effect, but only to the extent that such use is necessary for the resolution of any open issues that may exist after you have declined to receive information or cancelled your account or profile.

NOTICE TO EUROPEAN USERS

Please note that the information you enter on the Site or otherwise provide to COMPANY or COMPANY Group, may be transferred outside of the European Economic Area, for purposes of processing, by a third party company, or its subsidiaries or divisions, or authorized partners, located worldwide, including countries which may not offer an equivalent level of protection to that required in the European Union, in order to provide this Site and its services to you. In particular, you are advised that the United States uses a sectoral model of privacy protection that relies on a mix of legislation, governmental regulation, and self-regulation. You are further advised that the Council of the European Union has found that this model does not provide “adequate” privacy protections as contemplated by Article 25 of the European Union’s Data Protection Directive. (Directive 95/46/EC, 1995 O.J. (L 281) 31)

Article 26 of the European Union’s Data Protection Directive allows for transfer of personal data from the European Union to a third country, if the individual has unambiguously given his consent to the transfer of personal information, regardless of the third country’s level of protection.

By agreeing to this Policy, you consent to the transfer of all such information to the United States and other countries, which may not offer an equivalent level of protection to that required in the European Union and to the processing of that information as described in this Policy.

Law Enforcement and Posted Information Exceptions

One exception to this Privacy Policy is that COMPANY may provide information you submit to this Site to law enforcement authorities. As noted in the Terms of Use, COMPANY and COMPANY Group intend to cooperate with any order or request from law enforcement officials or a court of competent jurisdiction for information as to the identity of individuals submitting or posting information to COMPANY or on this Site. Such orders or requests supercede the terms of this Privacy Policy. Another exception applies to any information you decide to post in one of the Site’s public forums.

Aggregation and Use of Anonymous Data

COMPANY does aggregate all information provided by you to create anonymous statistical and demographic data. This anonymous data helps COMPANY to understand and know its customer base better. That anonymous data may be provided to third parties, but never in such a fashion as to identify you personally.

Public Forums for Posted Information

Certain portions of the Site are designed to offer you the opportunity to post information on the Site, including but not limited to information about yourself (“Posted Information”); see Terms of Use. For example, you may be permitted to post messages in any chat rooms, message boards, mailing lists, and/or news groups this Site makes available to its users.

Please remember that any Posted Information becomes public information and you should exercise caution when deciding to disclose your personal information. If you decide to post any information, that Posted Information is exempt from this Privacy Policy.

COMPANY may use personal information that is contained in Posted Information to contact you in the event that an issue or dispute arises about any posted information.

Links to Other Sites and Advertising

This Site may contain links to other sites not operated by COMPANY. COMPANY is not responsible for the privacy practices or the content of those web sites, nor is COMPANY responsible for the separate COMPANY Group web-sites. Please be sure to review the privacy policies of those sites.

This Site may display advertisements and/or links to third parties. These advertisements or links may contain cookies placed by those third parties. COMPANY is not responsible for those advertisements, the web sites to which they are linked, or how any other linked sites, may use their own cookies or information. For example, cookies received with banner ads may be collected by the company posting the ad on our Site. Again, please refer to that company’s privacy policy for further information.

Surveys and Contests/Sweepstakes

From time to time COMPANY may make online surveys available to Site users. Participation in those surveys is voluntary. Some online surveys may ask participants for personal information, such as an email address, in addition to requesting answers to survey questions. COMPANY may use that personal information to contact the participant if necessary, or as otherwise described above. COMPANY may make the results of any survey publicly available, although COMPANY will not attribute any particular response to you without your permission.

On occasion, COMPANY may make available to users of this Site contests, sweepstakes, or similar events in which they may qualify for participation. Participation is always voluntary and subject to the applicable rules. The rules may ask participants to provide personal information as a condition of participation. COMPANY may also make the winner’s names public, as provided in the applicable rules, or as required by applicable law. COMPANY may also use that information as described above. In some instances, the applicable rules may contain additional or different uses for the information you provide; please be sure to review those rules carefully before entering.

COMPANY may permit a third party to sponsor a survey, contest, sweepstakes, or other similar event (“third party event”) with COMPANY, such as through posting it on the Site. Such third party events are governed solely by any applicable rules, and may require you to provide information to that third party as a condition for participation. While COMPANY will treat any information it receives in accordance with this Privacy Policy, COMPANY is not responsible for the information gathered by that third party, and COMPANY reminds you to review the rules and privacy policies separately applicable to those third party events.

Children

No portion of the Site is directed at children (defined as individuals age 18 and under), nor are children encouraged to use the Site. COMPANY does not knowingly solicit any personal information about children ever.

SECURITY

General Issues

This Site has security measures in place to protect against the loss, misuse, and alteration of the information under our control. Since the Site under general usage does not collect financial information, COMPANY uses the standard internet connections for those general usage portions of the Site, without secured sockets.

Specific Services

This Site may provide certain additional, optional services that may use additional security measures to protect the information, such as financial information, provided by you to obtain the service. Those additional security measures may vary, depending upon the particular service offered. You will be informed of any specific security measures at the time you use a particular service. Please review that information for further detail.

Site Registration

In some cases, you may be prompted to register with the Site to undertake a particular Site activity or obtain a particular service. As part of that registration, you may be asked to choose your own password. COMPANY reminds you to protect your password, and not provide it to others to use. Allowing others to access and use your account and password can compromise the security of your information. COMPANY disclaims any responsibility or obligation for your decision to provide your password to others. Access by means of such password will at all times be deemed made by you, and you will be responsible for any such access.

You will at all times be responsible for the security and confidentiality of your password and will be liable for any damages caused by any unauthorized use, disclosure, or loss of such password. You will be responsible for any access to your account and damages arising therefrom prior to reception of such notification by COMPANY.

INTELLECTUAL PROPERTY

You acknowledge and agree that all content and materials available on this site are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by COMPANY, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content. As noted above, reproduction, copying, or redistribution for commercial purposes of any materials or design elements on this site is strictly prohibited without the express written permission of COMPANY. For information on requesting such permission, please contact us at [email protected]

Refund Policy

CHANGES TO THIS POLICY

If and when COMPANY makes changes to this Site, COMPANY may have to update this Privacy Policy to better reflect those changes. But no update to this Privacy Policy will, in itself, alter the choice you already made about how COMPANY can use your personal information without your consent (except where legally permitted). Because changes to this Site or updates to this Privacy Policy may occur, you should review this Privacy Policy from time to time. Remember, your decision to continue using this Site after this Privacy Policy is updated will signify that you have agreed to any new Privacy Policy terms.

Miscellaneous

These terms will be governed by and construed in accordance with the laws of the State of ARIZONA, without regard to any principles of conflicts of law. You agree that any action at law or in equity that arises out of or relates to these terms will be subject to mediation in the State of Arizona. If any of these terms of use are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining terms of use and will not affect the validity and enforceability of the remaining provisions. These terms may be modified only by our posting of changes to these terms of use on our Sites.

ACCEPT/DECLINE

Typically, you accept to receive communications when you submit information to the Site. If you wish to remove your information from the Site registration database and no longer receive future communications or use any services, you may do so through any of the methods described below. Please note that it may take us a reasonable amount of time to process your request.

1. An unsubscribe link appears at the bottom of all emails from P.J.’s Wisdom, LLC and can be used to unsubscribe from any/all email lists and, consequently, from receipt of future email contact.

2. A particular service may have an Administration section that allows you to change any previous selections for that service.

3. You can send an email to [email protected] for assistance in deleting/changing your prior selections.

CORRECT/UPDATE

This Site gives users the following options for changing and modifying information previously provided.

1. A particular service may have an Administration section that allows you to change or modify information you previously provided for that service.

2. You can send an email to [email protected] for assistance in deleting/changing your prior selections.

DISCLAIMERS

COMPANY intends to take reasonable precautions to abide by this Privacy Policy. Nevertheless, in the event that COMPANY does not comply with all terms contained in this Privacy Policy, you agree by using this Site and by submitting information to this Site that your sole and exclusive remedy against COMPANY (or COMPANY Group) will be to have COMPANY promptly correct the handling of your information in the future to accord with this Privacy Policy, and to notify anyone to whom COMPANY directly transferred any information of the correct information or to cease using such information.

TO THE MAXIMUM EXTENT ALLOWED BY LAW, COMPANY AND COMPANY GROUP DISCLAIM ANY OTHER OBLIGATION, LIABILITY, OR WARRANTY TO YOU FOR ANY OTHER ACTION, INACTION, OMISSION, OR OTHER ACTIVITY THAT IS NOT IN ACCORDANCE WITH THIS PRIVACY POLICY. IF YOU DO NOT AGREE WITH THIS PRIVACY POLICY, ITS TERMS, OR ITS DISCLAIMERS THEN YOU SHOULD NOT USE THIS SITE.

UNDER NO CIRCUMSTANCES SHALL COMPANY, COMPANY GROUP, AND/OR THEIR SUPPLIERS OR LICENSORS BE LIABLE FOR ANY DIRECT, SPECIAL, INCIDENTAL, INDIRECT, ECONOMIC, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, LOSS OF DATA OR LOSS OF USE DAMAGES OR LOST PROFITS) (WHETHER DIRECT OR INDIRECT) ARISING OUT OF OR CONNECTED WITH THIS PRIVACY POLICY, OR THE FAILURE OF COMPANY, COMPANY GROUP, OR THEIR SUPPLIERS OR LICENSORS TO ADHERE TO IT, EVEN IF COMPANY, COMPANY GROUP, AND/OR LICENSORS HAVE BEEN NOTIFIED OF THE POSSIBILITY OF ANY DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES/JURISDICTIONS, THIS SECTION SHALL ONLY APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

LAST UPDATED: JUNE 28, 2022

TERMS OF SERVICE & PRIVACY POLICY

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