Terms & Conditions of Use

We have taken every effort to design our Web site to be useful, informative, helpful, honest and fun. Hopefully we've accomplished that and would ask that you let us know if you'd like to see improvements or changes that would make it even easier for you to find the information you need and want.
All we ask is that you agree to abide by the following Terms and Conditions. Take a few minutes to look them over because by using our site you automatically agree to them. Naturally, if you don't agree, please do not use the site. We reserve the right to make any modifications that we deem necessary at any time. Please continue to check these terms to see what those changes may be! Your continued use of this and associated Websites means that you accept those changes.
THANKS AGAIN FOR VISITING!

The following Terms & Conditions are comprehensive and inclusive, as applies to each service or product offered through christiesheldon.com and associated websites. Wherein a particular term or condition does not apply to an individual product or service due to the nature of the item or delivery method, all other terms and conditions still apply.

Restrictions for Use of All of Our Online Materials
Use of materials and content on the websites (ChristieSheldon.com, www.IntuitiveLifeCoachTraining.com, WealthConsciousness.com, and other associated web or membersites, hereafter referred to as 'Sites'), including, without limitation, text, software, names, logos, trademarks, service marks, trade names, images, photos, illustrations, audio clips, video clips, and music are copyrighted intellectual property. Copyright applies to Intuitive Life Coach Training, Love or Above Spiritual Tool Kit, Perfect Love Group Coaching Program Downloads Package, Unlimited Abundance Journey, Unlimited Abundance Home Program, Wealth Consciousness, all individual Group Clearing Events past and future, as well as any all Programs or Products past or future offered by Christie Marie Sheldon through her Sites.
All usage rights are owned and controlled by Christie Marie Sheldon and Universal Resource, Inc. All content contained therein are copyrighted and trademarked materials, which cannot be shared, reproduced or transmitted in any form or by any means electronic or mechanical or by an information storage or retrieval system without permission in writing from Christie Marie Sheldon or her authorized agent. Users further agree to not share Christie's techniques, tools or methods without giving due credit and reference to Christie, including direct links back to her products. Program purchasers agree that program use and membersite access is only for use of a single individual and may not be shared, save for spouse or romantic partner use in the context of supporting their relationship, as such passwords and log in details are not to be shared and are only for use of the individual purchasing the program. You, the visitor, may download Online Materials for non-commercial, personal use only provided you:
1) retain all copyright, trademark and propriety notices,
2) make no modifications to the materials,
3) do not use the materials in a manner that suggests an association with any of our products, services, events or brands, and
4) do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes.
You may not, however, copy, reproduce, republish, upload, post, transmit or distribute Online Materials in any way or for any other purpose unless first get get written permission from Christie Marie Sheldon or her authorized agents. Neither may you add, delete, distort or misrepresent any content on the Site. Any attempts to modify any Online Material, or to defeat or circumvent our security features is prohibited.
Everything you download, any software, plus all files, all images incorporated in or generated by the software, and all data accompanying it, is considered licensed to you by Christie Sheldon or her company or third-party licensors for your personal, non-commercial home use only. We do not transfer title of the software to you. That means that we retain full and complete title to the software and to all of the associated intellectual-property rights. You're not allowed to redistribute or sell the material or to reverse-engineer, disassemble or otherwise convert it to any other form that people
can use.

Payments & RefundsPayments & Refunds
Refund / Cancellation Requests must be received in writing, by email to: christiemariesheldon@gmail.com

Private Coaching: No refunds on services rendered. Any rescheduling or cancellations less than 2 full Business Days in advance may result in forfeiture of prepaid session. First time clients may cancel Private Coaching Programs within 3 business days after Initial Session but at least 2 business days prior to 2nd session and receive a refund of monies paid, less current rate of Individual Session at time of initial appointment occurring (as of Feb 2014: $400 for Cindy and $850 for Christie, subject to change). No refunds on Private Coaching Program cancellations made later than 3 business days after Initial Session.
Group Coaching Programs (Digital Programs or Recordings): Requests must be received by email within 30 days or less after purchase to receive full refund on Digital Group Coaching Programs such as Unlimited Abundance. Users requesting refunds on Digital Group Coaching Programs such as Unlimited Abundance agree to delete any program content and stop using program downloads, tools, techniques, processes and methods on receipt of refund.

Group Coaching (Live Programs): Attendance at Live Sessions is not required to participate in Live Group Coaching Programs as recordings are sent within 7 days of broadcast. Requests for refunds must be received by email within 14 days or less after start of Program to receive full refund of all monies paid on Live Group Coaching Programs. For programs lasting longer than 6 weeks, refund requests received more than 14 days, but with 30 days or less may receive a refund of monies paid, less sessions occurred to be calculated by dividing the total cost of program by the number of live sessions (ie: 2 weekly sessions for 10 weeks equals 20 total sessions so refund request received after 3 weeks means 2 Live Sessions times 3 weeks for a sum of 6 sessions deducted from amount paid to date to equal refund). Requests received after 30 days receive no refund. Users requesting refunds on Live Group Coaching Programs agree to delete any program content not paid for and stop using program downloads, tools, techniques, processes and methods on receipt of refund.

Group Clearing Events (Live & Recordings): Full refunds for individual Live Group Clearing Events will be given on request up until download links are sent out (within 7 days after broadcast). For packages of Group Clearing Events, refund requests will be processed as follows: Amount paid to date at time of request, less $97 x # of Events already occurred at time of request. First time participants in Christie's Group Clearing Events (Live or Digital) may either exchange the group clearing event for the downloads of another past Group Clearing Event Download if the topic isn't a good fit for them, or if they find that the work is not a good fit for them they may receive a refund with the understanding that their purchase of any other of Christie's programs, products or services in the future nullifies refund guarantee on those future purchases (ie you agree to not purchase then return multiple programs with the intent of using the programs and not paying for them).

Digital Programs (Love or Above Spiritual Tool Kit, Wealth Consciousness): Requests received within 30 days or less from Program Purchase will receive a Full Refund. Users requesting refunds on Digital Programs such as Love or Above and Wealth Consciousness agree to delete any program content and stop using program downloads, tools, techniques, processes and methods on receipt of refund. No refunds after 30 days.

Intuitive Life Coach Training Program (ILCT): You have 15 days to try out the Intuitive Life Coach Training. If after 2 Group Coaching Calls with Christie and 1 Twice a Month Group Coaching Call with your Coach, you do not wish to continue with the program, you will get a full refund.

By signing up for this Intuitive Life Coach Group Coaching Program and providing your payment information to Christie Marie Sheldon you agree to the pay the balance of the program, in full, regardless of whether or not you attend the sessions, unless you cancel prior to Midnight Pacific Time on July 29, 2015. After the refund/ cancellation period, there will be no refunds or cancellations and registrants will be required to complete all agreed upon payments as scheduled.

Full participation in the program is required to get the most out of the program. It is a 24 week program with Christie Coaching, (plus Live Event). All online sessions are to be attended by you to stay in the program. If you cannot make a scheduled session, you have to let us know at least 2 full business days in advance and attend the make up sessions provided. Included in the program cost is a 3 day weekend in a major city in the USA - attendance is highly recommended, but not mandatory. While entrance to the event is no cost to ILCT Program participants, all travel associated costs such as room, food, lodging and travel are at your own expense. Details will be provided within 2 months, to allow you time to plan and make arrangements. Room sharing with other program participants at the Live Event will be facilitated for those that desire it.

Previous ILCT Program participants experienced full program completion and results far beyond their initial expectations. Should any member of the Program choose to not follow protocols, create drama, or show malintent towards Christie, coaches, any other participant or the Program and it's intention, Christie reserves the right to use her discretion and release that member from the program, with no refund due should that occur after the 15 days.

Medical, Mental Health and 'Expertise' Disclaimer
As neither Christie Marie Sheldon, nor her coaches are acting in the capacity of medical or mental health practitioners nor financial, legal, business or other types of experts, all coaching is considered informational, entertainment or point of view. Neither Christie nor her associates purport to replace the expertise, guidance or advice of these professionals. Anything shared is not to be considered advice and users should always seek the council and advice of the appropriate medical or mental health practitioner, legal, financial, business or other experts prior to deciding to take a curse of action.
What is posted here or shared in Programs, Events or Private Sessions does not replace professional medical diagnosis, treatment, cure or advice. You should always consult a qualified healthcare professional with questions about any medical condition. If you have or suspect you may have any disease, disorder or mental or medical condition, please seek the care of the appropriate medical or mental health provider as products and services offered through this website are no substitute for such care, nor are they purported to be as such.
Neither Christie, her team, coaches or other associates claim any responsibility for choices taken by customers and it is up to each individual person to take responsibility for their own choices, actions and life.

Earnings and Income Disclaimer
Any earnings or Income statements, or earnings or income examples included on this website are submitted by clients and Program Participants. Christie Sheldon and her agents confirm any client shared stories to the best of our reasonable ability, but rely on the honor and integrity of the reporting parties for honesty in their reporting. As such, Christie Sheldon makes no claims that anyone else will have similar experiences. Any and all claims or representations regarding income earnings on this website are not to be considered average earnings. There can be no assurance that any ones prior successes or past results regarding income earnings can be used as any indication of your future success or results.
Monetary and income results are based on many factors. Christie Sheldon has no way of knowing how well anyone will do from using her programs or services. Therefore, neither she nor her Company make any guarantee, assurance or imply that you or any other client or program user will get rich, do as well as posted client testimonies or better your financial or personal situation at all. All users must accept their own risk of not doing as well as posted client stories as part of their own personal responsibility when purchasing a service or program.
All products and services listed on this website are for educational and informational purposes only. Use caution and seek the advice or qualified professions regarding medical, career, financial, professional and personal advice. Use due diligence in seeking counsel from qualified professionals prior to making any legal, medical, personal or professional decisions and prior to acting on this or any other information.
By using this website, and purchasing any products or services, you agree that Christie Sheldon and her Company are not responsible for your success or failure with the purchased product or service.

Guarantee
While many tens of thousands of people around the world have experienced positive things from working with Christie Mare Sheldon's tools, methods, techniques and programs, individual results will vary. Neither Christie Marie Sheldon ('Christie'), nor her team, coaches or other associates make any guarantees regarding user or participants experience. Each person is an individual and as such will have their own individual experiences in life. No claims are made regarding results from use or tools, methods, processes or techniques, nor from participating in Individual or Group Coaching. The Inspiring Stories shared from other users on this site or in the written or audio portions of program content or shared verbally during the course of a Private or Group Session or Group Event are shared in good faith, confirmed to the best of our reasonable ability and are intended solely as entertainment and inspiration. They are individual experiences, which vary from person to person. Neither Christie, nor her company, make any claims or guarantees regarding anyone's personal experiences or results from using the programs, events and meditations shown on this website, or from 1-on-1 coaching. While resonable effort is made to assure the veracity of stories submitted to Christie through direct email, posting on user websites, Facebook, Twitter or other public or private forums, we primarily rely on the honesty and integrity of submitters as confirmation of accuracy. See further "Earnings & Income Disclaimer" within this Terms & Conditions for more regarding financial and monetary gain information.

Submitting Your Online Material to Us

All remarks, suggestions, ideas, graphics, comments, or other information that you send through our site or email addresses on any website Christie or Universal Resource, Inc, controls, (other than information we promise to protect under our privacy policy becomes and remains our property, even if this agreement is later terminated.
That means that we don't have to treat any such submission as confidential. You can't sue us for using ideas you submit. If we use them, or anything like them, we don't have to pay you or anyone else for them. We will have the exclusive ownership of all present and future rights to submissions of any kind. We can use them for any purpose we deem appropriate to Christie Sheldon's mission, without compensating you or anyone else for them. You acknowledge that you are responsible for any submission you make. This means that you (and not we) have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

Subscriber Agreement
The Web sites located at ChristieSheldon.com , www.IntuitiveLifeCoachTraining.com and WealthConsciousness.com (hereafter referred to as "Site") is provided by Christie Marie Sheldon and Universal Resource, Inc (hereafter reffed to as "Provider"). Your access to and use of the Site is governed by this Subscriber Agreement ("Agreement"). As used in this Agreement, "ChristieSheldon.com, WealthConsioucness.com and www.IntuitiveLifeCoachTraining.com," "we," "us'" or "our" refers to Christie Marie Sheldon, Universal Resource, Inc and associated websites, and "you" or "your" refers to you, the user of the Site. The Agreement below is the agreement you consented to upon subscribing to the site. The Agreement does not apply to use of the publicly available Web Site maintained by Provider.

1. Access and Passwords
As part of the subscription process for this Site, you have selected or been assigned a particular username and password in accordance with Provider username and password guidelines. YOU AGREE THAT YOU ARE THE ONLY INDIVIDUAL ENTITLED TO ACCESS THE SITE USING YOUR USERNAME OR PASSWORD, AND YOU AGREE NOT TO PERMIT OTHERS TO ACCESS THE SITE USING YOUR USERNAME OR PASSWORD. You agree that all actions taken by you, or any other user that accesses the Site using your username and password, at or through the Site will be attributed to and legally bind you, even with respect to acts for which the user had no actual authority or made an error. You assume all resulting liability from use of the Site and any services available on it by you or others using your username or password. If you lose your username or password, please contact us at: ChristieMarieSheldon@gmail.com.

2. Subscription Fees and Payments
The fee to be on www.IntuitiveLifeCoachTraining.com is described in full under the Payments and Refunds Section: Subsection Intuitive Life Coach Training. You are granted access for the duration of the training, as long as you are paid in full. This member site is a privilege, not a guarantee. Your subscription will continue and final payment is due April 1, 2014. unless terminated by Provider or until you notify Provider by email or as designated on the Site of your decision to terminate your subscription prior to the 30 day trial period. If there are any annual, monthly, or similar periodic fees for your subscription, these fees will be billed automatically to the credit card designated during the registration process for the Site or subsequently designated by you to Provider at the start of the annual, monthly, or similar period, and at the start of each renewal period, unless you terminate your subscription before the relevant period begins. You agree to pay or have paid all fees and charges incurred in connection with your username and password for the Site (including any applicable taxes) at the rates in effect when the charges were incurred. All fees and charges are non refundable. Provider may change the fees and charges then in effect, or add new fees or charges, by giving you notice in advance. All fees and charges incurred in connection with your Site username and password will be billed to the credit card designated during the registration process for the Site or subsequently designated by you to Provider. If you want to designate a different card or there is a change in credit card validity or expiration date, or if you believe someone has accessed the Site using your username and password without your authorization, you may email us at ChristieMarieSheldon@gmail.com. You are also responsible for any fees or charges incurred to access the Site through an Internet service provider or other third party service. YOU, AND NOT Provider. ARE RESPONSIBLE FOR PAYING ANY AMOUNTS BILLED TO YOUR CREDIT CARD BY A THIRD PARTY WHICH WERE NOT AUTHORIZED BY YOU.

3. Privacy
Our Privacy Notice is a part of this Agreement and its terms are incorporated herein by this reference. Please read it now at the link on our site.

4. User Conduct
The Site may contain bulletin board services, news groups, forums, and/or other message or communication facilities ("Communication Services") designed to enable you to communicate with others. You agree to use the Communication Services only to submit or post messages and material that are proper and, when applicable, related to the particular Communication Service. You are also prohibited from submitting to, posting or transmitting through Site any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racially, ethnically, or otherwise objectionable material of any kind, including but not limited to any material that encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law. Content that consists of or contains software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam" is prohibited. You may not use a false email or postal
address, impersonate any person or entity, or otherwise mislead as to the origin of your posted content.
Any opinions, advice, statements, services, offers, or other information that constitutes part of the content expressed or made available by third parties are those of the respective authors or distributors and not of Privider nor its affiliates, not any of their officers, directors, employees, or agents. You acknowledge that Povider does not pre-screen all content, but that Provider and its designees shall have the right (but not the obligation) in their sole discretion to refuse or move any content that is made available via the Communication Services. Without limiting the foregoing, Provider and its designees shall have the right to remove any content that violates this Agreement or is otherwise objectionable. You specifically agree that Provider is not responsible for any content sent using and/or included in the Site by any third party.

5. Copyright and Restrictions
This Web site contains proprietary material of Provider (or material that other suppliers have licensed to Provider for their use) which is protected by copyright and other laws respecting proprietary rights. Provider retains all rights in the material and media, including (without limitation) all copyright and other proprietary rights worldwide in all media. You may not use Site except as expressly permitted under this Agreement and under U.S. copyright laws. Any routine and/or systematic redistribution of any portion of the products licensed herein is expressly prohibited. End users who are duly authorized may Access Site for individual use, i.e., may view the information on screen; may download small portions of the information to a computer disk for personal convenience and later reference; and may print paper copies of small portions for personal use only. The rights granted here are an expansion of the rights granted under the Copyright Act and do not include any rights to reproduce in its entirety any portion of the information or materials contained therein. No part of the information may be duplicated in any
medium or format beyond the express terms of this Agreement without prior written authorization from Christie Marie Sheldon or her authorized agents. Any use not authorized by the Agreement is prohibited and is not a fair use under the U.S. copyright law.
You acknowledge that the information (and the licensed materials contained therein) is highly proprietary in nature and that unauthorized copying, transfer or use may cause Provider and/or Provider's suppliers irreparable injury that cannot be adequately compensated for by means of monetary damages. You agree that any breach of this provision by you, or any subscriber or end- user, may be enforced by Provider, and/or any of Provider's suppliers, by means of equitable relief (including, but not limited to, injunctive relief) in addition to any other available rights and remedies.
You agree that any supplier of any portion of the licensed materials may enforce its rights against you, even though that supplier is not a party to the Agreement.
You may not and may not permit others to: reproduce, publish, distribute, sell, or otherwise access or use any material retrieved from or contained in or on this Site in any manner whatsoever that may infringe any copyright or proprietary interest of Provider, distribute the information contained in and/on this Site to other users not duly authorized to Access the Site; distribute, rent, sublicense, lease, transfer or assign the information or Agreement; de compile, disassemble, or otherwise reverse-engineer this Site or information contained in or on this Site or any software contained therein, or alter, translate, modify, or adapt it to create derivative works. Unauthorized reproduction, transfer, and/or use may be a violation of criminal as well as civil law.
You are expressly prohibited from placing or installing any portion of the information on any electronic media, including, but not limited to, local or wide area networks, timesharing services, multiple processing units, multiple site arrangements, service or software rental bureaus, list servers, online services, electronic bulletin boards or forums, World Wide Web sites or any other server that is Internet-enabled, without written authorization by Christie Marie Sheldon or her authorized agent. If you breach any provision of this Agreement, Provider may immediately terminate this Agreement and all licenses granted hereunder without prior notice and in addition to any other
available rights and remedies.

6. Limitations on Use
The following activities are prohibited. You agree not to:

a. Use Web-accelerated browsers or products (including but not limited to NetJet, NetSonic, MSIECrawler and Teleport-Pro), or other applications that are capable of copying large portions of content from the Site. Provider can detect the use of these systems through live log file analysis and will ban any future use
by offenders.

b. Use robots and crawlers, or similar technology, without following the robot guidelines (found at http://info.webcrawler.com/mak/projects/robots.html). We are able to detect robots violating the guidelines and we will ban any offenders. If you are using a robot/crawler to check Provider links, it must operate according to the robot guidelines (see above). Do not leave new robots unattended and allow a minimum of 1 minute between automated requests.

c. Use any device, software or routine or the like to interfere or attempt to interfere with any Site functionality;

d. Take any action that imposes an unreasonable or disproportionately large load on the Site infrastructure;

e. Use any email addresses appearing on the Site for purposes not relating specifically to the Site;

f. Access the Site by any means other than through the interface that is provided by Provider or attempt or access any area of the Site to which your access is not authorized; or

g. Reverse engineer, reverse assemble or otherwise attempt to discover any source code relating the Site, except to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation.

7. Accuracy and Availability of Information
The Site contains database information and other content compiled by Provider. While we use commercially reasonable efforts to provide accurate information, Provider gives no warranty as to the accuracy of the database and other content on the Site. Provider reserves the right to withdraw or delete information or content from the Site at any time.

8. Links to Third Party Sites
Provider does not endorse the content on any third-party Web site, including Web sites of Provider's affiliates ("Third-Party Sites"). Provider is not responsible for the content of Third-Party Sites that you reach through links on the Site, sites framed within the Site, or third-party advertisements on the Site, and we do not make any representations regarding their content or accuracy. Your use of Third-Party Sites is at your own risk and subject to the terms and conditions of use for such sites. Any transaction that you conduct at a Third-Party site will be between you and the party providing that Web site. This means that Provider is not your agent and is not a party to any transaction at a Third-Party Site.

9. Representations and Warranties

You represent and warrant to Provider that:
(a) you possess the legal right and ability to enter into this Agreement;
(b) all information submitted by you to the Site is true and accurate;
(c) you will be responsible for all use of your username and password even if such use was conducted without your authority or permission;
(d) you are at least 18 years old; and
(e) you will not use the Site for any purpose that is unlawful or prohibited by this Agreement.

10. Disclaimer of Warranties
All content, software, and other services provided at or found within this site by Provider and it's affiliates are provided "as is" and "with all faults," without warranties of and kind and Provider and it's affiliates hereby disclaim all warranties, express or implied, or statutory, including without limitation any implied warranties or merchantability, fitness for a particular purpose, title, and non infringement. Specifically, but without limiting the generality of the foregoing, Christie Sheldon does not make any warranties regarding the following:

(a) Availability of this site at anytime;
(b) Accuracy of the content or how current any content is that is found on the site;
(c) Transmission to and from this site to any site;
(d) Functionality;
(e) Lack of viruses;
(f) Compliance of the software, services and content provided under this agreement with the United States, Federal, or State Laws, or Laws of any other country or municipality;
(g) That the software, content or services contained in this site will be meet any particular criteria of performance or quality.

11. Limitation of Damages
In no event, will Provider, or any of it's affiliates, be liable for consequential, indirect, incidental, or special damages whatsoever, including without limitation damages or loss of profits, business interruption, loss or unauthorized access to information and the like ben in teh vent of fault, tort, breach of contract, or breach of warranty and even if the Provider has been advised of the possibility of such possible damages.

12. Limitation of Liability; Exclusive Remedy
Also, in no event will Provider or any of it's affiliates be liable to you and/or agency for any amount in excess of hte total dollar amount actually received by Provider from you for access to this site and any of the services available at the site, during the year prior to your claim. Furthermore, Christie Sheldon, or her team or company will not be liable for any damages or injury that accompany or result from your use of any of it's sites. These include (but are not limited to) damages and injury caused by any:

Use or inability to use this site.
Use or inability to use any site to which you hyperlink from this site.
Failure of our site to perform in the manner you expected or desired.
Error on our site.
Omission on our site.
Interruption on our site.
Defect on our site.
Delay of operation or transmission of our site.
Computer virus or line failure.
Please note that we are not liable for any damages, including, but not limited to:
Damages intended to compensate someone directly for a loss or injury.
Damages reasonably expected to result from a loss or an injury. (Known in legal terms as 'consequential damages.')
Other miscellaneous damages and expenses resulting directly from a loss or injury (Known in legal terms as 'Incidental damages.")

We are not liable even if we've (Christie Sheldon and all affiliates) been negligent or if our authorized representatives have been advised of the possibility of such damages or both. In any event, our liability to you for all losses, damages, injuries, and claims of any and every kind (Whether the damages are claimed under terms of a contract, or claimed to be caused by negligence or tother wrongful conduct, or they're claimed under any other legal theory) will not be greater than the amount you paid, if anything to access ChristieSheldon.com, IntuitiveLifeCoachTraining.com, WealthConsciousness.com or any other site for information or materials.

13. Indemnity
You agree to indemnify and hold us harmless, and pay our attorney's fees and costs, if we become liable for or incur any damages in connection with your breach of this Agreement. You may not settle any dispute without our prior consent, which may only be given in a non-electronic writing signed by an authorized representative of Provider.

14. Consent to Electronic Notices and Other Communications
You agree that all of your transactions relating to the Site may, at our option, be conducted electronically, including any that we are otherwise required to provide in "writing". For example, we may send you notices via postings at the Site or via email to any email address that you provide to us during registration as a Site member. If you do not wish to deal with us electronically, you should not use the Site or enter into this Agreement. If applicable law now or later requires us to communicate with you non-electronically, we reserve the right to charge a fee for doing so. Notice will be deemed given 24 hours after the email is sent, unless (for email) we are notified that the email address is invalid. Alternatively, we may give you notice by mail to the address provided during registration.

15. Print a Copy for Your Records
You agree to print or make an electronic copy of this Agreement (and any amendment from time to time) and retain it in your records. You also agree to make a copy of any other information that we deliver to you in writing.

16. Termination
Provider may terminate your subscription and/or access, or suspend access to all or part of the Site, without notice, for any conduct that Provider, in its sole discretion, believes is in violation of this Agreement, any applicable law, or any act which is harmful to the interests of another user, service provider, or Provider. Firthermore, Provider may also elect not to renew your subscription and access by providing a notice of nonrenewal prior to the end of your current subscription term. Applicable sections of this agreement will survive any termination or expiration of this Agreement.

17. Assignment
You agree not to assign your rights under this Agreement without the consent of an authorized representative of Provider in a non-electronic record, and any assignment without Provider's consent will be voidable at Provider's option. This Agreement will inure to the benefit of and bind the parties' respective successors and permitted assigns.

18. Applicable Law and Disputes
This Agreement is governed by the laws of the State of Illinois, without regard to principles of conflict of laws. To the extent you have in any manner violated or threatened to violate Provider and/or its affiliates' intellectual property rights, Provider and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of Illinois, County Kendall, and you consent to exclusive jurisdiction and venue in such courts.
Any other disputes will be resolved as follows:
If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: County Kendall, State of Illinois. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.
If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: County Kendall, State of Illinois, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

19. Amendments
Provider may change the provisions of this Agreement. When Provider changes the terms of this Agreement, Provider will notify you by email or online postings on this Site. The changes will also appear in this document, which you can access any time. You already agreed to be bound by the changes when you first subscribed to the site. If you do not agree to be bound by the changes, you should not use the Site again and you should cancel your subscription to the Site. Even if you have not clicked on the "I Agree" button or checked the I agree box when subscribing, if you use the Site after you have been notified of a change to this Agreement, you are agreeing now to be bound by that change.

20. Entire Agreement; Sever ability; No Waiver
This Agreement (including all documents incorporated by reference) is the entire agreement between the parties for its subject matter and supercedes all prior and contemporaneous communications between the parties. No term of this Agreement may be waived by Provider except in a signed, non- electronic writing signed by an authorized representative of Provider.

21. General
If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties agree that its remaining provisions will remain in full force and effect, provided that the allocation of risks described herein is given effect to the fullest extent possible. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. You agree that no joint venture, partnership, employment or agency relationship exists between you and Provider or its affiliates as
a result of this Agreement or your use of the Site.

Effective Date of these Terms and Conditions
These Terms and Conditions are effective as of January 1, 2010.




Privacy Policy

As used in this Privacy Policy, “ChristieSheldon.com” refers to Christie Marie Sheldon and all websites and membersite (including but not limited to  christiesheldon.com, www.IntuitiveLifeCoachTraining.com and WealthConsciousness.com), mobile sites, applications, programs and other properties or services owned or operated by Christie Marie Sheldon and Universal Resource, Inc.

By visiting ChristieSheldon.com, viewing our content, attending or viewing any of our events or programs and/or using any of our programs, products or services, you acknowledge that you accept the practices and policies outlined in this Privacy Policy.

What Does This Privacy Policy Cover?

This Privacy Policy is part of ChristieSheldon.com’s Terms of Service and covers the treatment of user information, including Personally Identifiable Information (defined below), obtained by ChristieSheldon.com, including information obtained when you access or log in to a ChristieSheldon.com membersite, and/or register for content, webinars, or the forum provided by ChristieSheldon.com.

This Privacy Policy does not apply to the practices of companies that ChristieSheldon.com does not own or control, or to individuals whom ChristieSheldon.com does not employ or manage, including any of the third parties to which ChristieSheldon.com may disclose user information as set forth in this Policy.

 

What Types of User Information Does ChristieSheldon.com Obtain?

ChristieSheldon.com may obtain the following types of information from you or concerning your computer or device (“Information”), which may include information that can be used to identify you as specified below (“Personally Identifiable Information”):

  • Name

  • Email Address

  • Mailing Address

  • Telephone Number(s)

  • Credit Card Information

  • Blog or Website URL

  • Social Networking Handle or Username

  • Photo

  • Demographic Information (e.g., age, gender, interests, and preferences)

  • Company

  • Industry

  • Activities or Content Viewed on ChristieSheldon.com

  • Information Collected Automatically ( detailed below )

  • Information Received from Third Parties ( detailed below )

In certain cases, we may request that you provide some of the Information identified above in order to obtain specific products or services (such as registering for a ChristieSheldon.com Digital Program or logging in to download ChristieSheldon.com Program content). If you choose not to provide the Information we request, you may still use ChristieSheldon.com, but you may be unable to access certain features or services.

When you register to receive any products or services from ChristieSheldon.com or provide information to ChristieSheldon.com in any other manner, you agree to provide only true, accurate, current and complete information.

Information Collected Automatically

ChristieSheldon.com may automatically receive and log certain types of information when you visit or interact with our websites, services, mobile applications or other products, including:

  • Browser Information

  • Operating System Information

  • Mobile Device Information (e.g., device identifier, mobile operating system, etc.)

  • IP Address

  • Internet Service Provider

  • Content Viewed

  • Geographic Location

  • Connection Speed

  • Time of Visit

  • Referring Site, Application, or Service

  • Registration Time

 

Information Received From Third Parties

Events and Webinars

If you register for events or webinars provided by ChristieSheldon.com, we may receive Information about you from the service providers that host or process registration for these programs or that provide other services to support these programs (such as technical support), which may include certain Personally Identifying Information identified above.

Third Party Websites/Social Networking Sites

If you choose to use any third party website or service that is integrated with ChristieSheldon.com, including a third party social networking or blogging site, such as LinkedIn, Facebook, Twitter, InstantDebate or WordPress (“Third Party Websites”) – or if you use any ChristieSheldon.com application provided through any Third Party Website – we may receive Information, including Personally Identifying Information, from such Third Party Websites, including, but not limited to:

  • Name

  • Nickname or Username

  • Photo or Graphic Avatar

  • Unique Third Party Website Identifier (e.g., Facebook User ID)

  • Biographical or Demographic Information (e.g. professional title, gender, college attended, etc.)

  • Likes and Interests

  • Contacts/Friends/Associations

  • Any Information That Is Publicly Available on Third Party Websites

For example, ChristieSheldon.com may offer the ability to use certain Third Party Websites to facilitate your registration on ChristieSheldon.com. We may also use information about your profile and connections on Third Party Websites to allow you to share or connect with your friends and contacts on ChristieSheldon.com or to personalize your experience. In addition, ChristieSheldon.com may offer “plug ins” and “widgets” from various Third Party Websites that allow you to share ChristieSheldon.com content off of our service, as discussed in “Disclosure of Information to Third Parties”.

Your decision to use, or share with, a Third Party Website when accessing or using ChristieSheldon.com products and services is completely voluntary. ChristieSheldon.com is not responsible for compliance with the policies or practices of any Third Party Website. You should ensure that you are comfortable with the information such Third Party Websites may make available to ChristieSheldon.com by reviewing those Websites’ privacy policies and service terms, and by modifying your privacy settings and preferences on those Services.

Any information we receive from Third Party Websites will be governed by this Privacy Policy.

How Do We Use This Information?

We use the Information we obtain from or concerning you or your computer or device to provide ChristieSheldon.com products and services, fulfill your requests, improve our products and services, personalize and tailor your experience on ChristieSheldon.com, operate our business, and understand how users are engaging with ChristieSheldon.com.

In addition, we may use Information from or concerning you or your computer or device to facilitate the delivery of content or advertisements that we believe may be of interest to you, or to communicate with you about new or existing products and services or special offers. For example, we may periodically send promotional materials or notifications related to our products and services to the email address associated with your account.

 

We may also use anecdotes shared to illustrate user experiences in working with tools, techniques and methods shared on ChristieSheldon.com with other current or prospective users of ChristieSheldon.com. You agree that any anecdotes or stories shared with ChristieSheldon.com directly through email to christiemariesheldon@gmail.com (or other ChristieSheldon.com email accounts) or on ChristieSheldon.com Social Media platforms or ChristieSheldon.com websites are done so with the agreement to provide explicit agreepment and permission for the use of said anecdotes or stories at the sole discretion of ChristieSheldon.com for any purpose ChristieSheldon.com deems appropriate in any way ChristieSheldon.com deems appropriate (ie: reprint in emails, on Social Media, etc) either through written or verbal paraphrase, direct quotation or photos of exact wording and limited Persoanlly Identifying Information associated with said story or anecdote such as Name and image or avatar (but never Personally Identifying Information such as location or contact information like mailing, billing and email adresses). This agreement applies to all communication with ChristieSheldon.com in all methods, unless we are notified explicitly to the contrary at the time the communication is made. ChristieSheldon.com reserves the right to delete, ignore or otherwise not respond to any communication that requests to be excluded from public sharing other than reasonable requests for withholding of Last Name, Location and email address for person security reasons.

ChristieSheldon.com’s Use of Cookies

ChristieSheldon.com may place “cookies” on your computer or device that may contain anonymous Information that is associated with you. Cookies are small text files a website uses to recognize users, and are typically placed on your hard disk by a web server. Cookies contain information that can later be read by a web server in the domain (here, ChristieSheldon.com) that issued the cookie to you or that, in some cases, can be read by a third party domain.

 

Our cookies may record Information about your use of ChristieSheldon.com so that we can provide a continuous and more personalized experience for you, including for one or more of the following purposes: to help identify visitors; assess usage patterns; identify preferences; control the display of ads; diagnose problems with our servers; gather demographic information; analyze trends and usage patterns; conduct research; deliver editorial content; record registration and personalized information; and otherwise administer ChristieSheldon.com products and services.

 

If you do not wish to have ChristieSheldon.com place and use cookies on your computer, you should set your browser preferences to refuse cookies before accessing ChristieSheldon.com. ChristieSheldon.com is not responsible for any failure by you or your browser to accurately implement or communicate your browser preferences or settings. If you choose to decline cookies, you may not be able to sign in or use other interactive features of ChristieSheldon.com that depend on cookies.

 

ChristieSheldon.com does not control and is not responsible for the use of cookies by its third party partners or advertisers. The use of cookies by some of these third parties is discussed below (see “Analytics Services”).

 

Reviewing and Modifying Your Personally Identifying Information

We offers several ways for you to update Personally Identifying Information that is obtained and stored by ChristieSheldon.com, or to change your account preferences on ChristieSheldon.com:

  1. If you have an online account with ChristieSheldon.com, you can update or change your account information by emailing christiemariesheldon@gmail.com

  2. You may unsubscribe to any of our e-mail updates or products by following the unsubscribe instructions in the body of any message (see Email or Text Message Communications )

  3. For ChristieSheldon.com membersites, you may log on to the specified membersite and make changes to your Profile and Contact Information directly. Note: Changes to contact information for Private Sessions must be made at least 2 full business days in advance of scheduled appointment directly to the office at christiemariesheldon@gmail.com

 

Disclosure of Information to Third Parties

ChristieSheldon.com may disclose Information (including Personally Identifying Information) from or concerning you or your computer or device to third parties in the circumstances described below. By visiting, accessing, attending or using ChristieSheldon.com’s products, services or events, you consent to the disclosure of your Information to certain categories of third parties in the manner described below. This Privacy Policy does not apply to the policies or practices of any of these third parties.

Corporate Subscriptions

If your employer or another party provides you with a subscription to ChristieSheldon.com membersites or programs, we may notify the provider when you access or use your subscription. When providing such notices, we may disclose Personally Identifying Information, such as your name or email address.

Service Providers

ChristieSheldon.com relies on third party vendors and service providers to provide support and assistance for its products, services and events (“Service Providers”), and we may disclose your Information (including Personally Identifying Information) to these Service Providers to the extent necessary to support our products, services or events, or as otherwise set forth below.

Payment Processors

ChristieSheldon.com uses third party payment processors, including PayPal, 1shoppingcart.com, Authorize.net and others, to process financial payments for certain ChristieSheldon.com services. When you make payments to ChristieSheldon.com and/or obtain certain ChristieSheldon.com products or services, ChristieSheldon.com may transfer certain Information (including Personally Identifying Information) to these payment processors

for the sole purpose of facilitating the payment transaction, such as your Name, Address, and Credit Card Information.

Group Coaching Programs & Event Registration

ChristieSheldon.com uses third parties, such as GoToMeeting, to process registration for ChristieSheldon.com events and programs. ChristieSheldon.com may provide your Information (including Personally Identifying Information) to such registration services when you register for a ChristieSheldon.com event or program. In addition, as discussed below, ChristieSheldon.com (or its third party registration service) may provide your Information (including Personally Identifying Information) to companies that sponsor or underwrite portions of an event that you register for, attend, or view.

Web Hosting

All Information obtained and stored by ChristieSheldon.com’s websites ( see What Types of User Information Does ChristieSheldon.com Obtain?) is processed and stored on servers that are owned and operated by our website Server Company. For further information about ChristieSheldon.com’s website Server Company, please contact: christiemariesheldon@gmail.com

Webinars and Group Coaching Programs & Events

ChristieSheldon.com uses third parties, such as GoToWebinar, Instant Teleseminar, Mediafire and more, to process registration and/or host and provide technical support for ChristieSheldon.com webinars. If you register for and/or download or view a ChristieSheldon.com webinar, ChristieSheldon.com may provide your Information (including Personally Identifying Information) to these third parties to facilitate registration and access to the webinar. In addition, as discussed below, ChristieSheldon.com (or its third party registration service) may provide your Information (including Personally Identifying Information) to companies that sponsor or underwrite portions of a webinar that you register for, download, or view.

Third Party Sponsors

If you have elected to register for one of our sponsored webinars or events, or to access research or content from ChristieSheldon.com, we may share your Information (including Personally Identifying Information) with business partner(s) and/or sponsor(s) of the webinar, event, research and/or content. You agree that these sponsor(s) and/or business partner(s) may use your Personally Identifying Information to contact you to provide additional information about their products or services.

Third Party Websites

ChristieSheldon.com offers the ability to share ChristieSheldon.com content on Third Party Websites, including social networking and blogging services such as LinkedIn or Facebook, through “plugins” or “widgets” (such as LinkedIn’s “in” button or Facebook’s “Like” button). When you elect to share content and information with others on Third Party Websites, ChristieSheldon.com may transmit your Information (including Personally Identifying Information) to such Third Party Websites. This Information may be visible on the Third Party Website to anyone who has access to that content or Information. Your decision to share information in this manner is completely voluntary. You should ensure that you are comfortable with how Third Party Websites may share your Information by reviewing their privacy policies and/or modifying your privacy settings directly on those Third Party Websites.

URL/Referrer Header Information

When you visit ChristieSheldon.com websites, certain information about the content or activities you have engaged in on ChristieSheldon.com may be reflected in the Uniform Resource Locator (“URL”) for the page you are viewing on ChristieSheldon.com (i.e., the Internet “address,” commonly displayed in the browser window). For example, the date or title of an article you are viewing may appear in the URL for that page. In addition, if you are logged into a ChristieSheldon.com account, certain account information (may be visible in the URL when you visit your account on ChristieSheldon.com. If you leave ChristieSheldon.com to visit a third party website, including when you click on an advertisement or link or when you share information through a social plug-in (like the Linked In “in” button), the information contained in the URL may be transmitted to the third party website by your browser.

Advertisers and Analytics Services

As discussed in (“Third-Party Advertising on ChristieSheldon.com”), ChristieSheldon.com uses third party advertisers, including ad networks, to provide advertising on its websites. In addition, as discussed in (“Analytics Services”), ChristieSheldon.com uses third party analytics products to obtain information about how users are using and interacting with ChristieSheldon.com. These third parties may receive Information (including Personally Identifying Information) from ChristieSheldon.com as discussed in greater detail in (“Security and Protection of Personally Identifying Information”).

Law Enforcement/Legal Process

We may disclose your Information (including Personally Identifying Information) when we believe in good faith that disclosure is necessary to comply with any law, regulation or legal request; enforce, apply, or investigate breaches of our terms of use and other agreements; respond to public requests; or protect the rights, property, user experience or safety of ChristieSheldon.com, our employees, our users, or others. This can include exchanging information with other companies and organizations for fraud protection and credit risk reduction.

Comments and Public Posts; Sharing on Third-Party Websites

ChristieSheldon.com encourages active participation by users, including through comments on ChristieSheldon.com. However, please be aware that if you voluntarily disclose Information, personal or otherwise, on ChristieSheldon.com, that Information can be viewed, collected and used by others, including other users, search engines, advertisers, third party applications developers, and anyone with access to ChristieSheldon.com. ChristieSheldon.com has no control over the use, collection or disclosure of any Information that you post publicly on ChristieSheldon.com.

Change of Control

If ChristieSheldon.com, or substantially all of its assets, is acquired by another company or party, user Information will be one of the assets transferred or acquired by the purchaser. You acknowledge that such transfers may occur, and that any purchaser of ChristieSheldon.com or its assets may continue to collect, use and disclose your Information as set forth in this Policy.

 

Third-Party Advertising on ChristieSheldon.com

ChristieSheldon.com may allow third party advertising serving companies, including ad networks (“Advertisers”), to display advertisements or provide other advertising services on ChristieSheldon.com. These third party Advertisers may use techniques other than HTTP cookies to recognize your computer or device and/or to collect and record demographic and other Information about you, including your activities on or off ChristieSheldon.com. These techniques may be used directly on ChristieSheldon.com. Please keep in mind that your web browser may not permit you to block the use of these techniques, and that browser settings that block conventional cookies may have no effect on such techniques.

Advertisers may use the information collected to display advertisements that are tailored to your interests or background and/or associate such information with your subsequent visits, purchases or other activities on other websites. Advertisers may also share this information with their clients or other third parties.

ChristieSheldon.com has no responsibility for the technologies, tools or practices of the Advertisers that provide advertising and related services on ChristieSheldon.com. This Privacy Policy does not cover any collection, use or disclosure of Information by Advertisers who provide advertising and related services on ChristieSheldon.com. These Advertisers’ information gathering practices, including their policies regarding the use of cookies and other tracking technologies, are governed entirely by their own privacy policies, not this one.

ChristieSheldon.com currently may be using one or more of the following Advertisers to provide advertising and related services on ChristieSheldon.com. If you would like to know about their information gathering and privacy practices, please visit the links below

ChristieSheldon.com uses the Standard Terms and Conditions set forth by the Internet Advertising Bureau (IAB). See Standard Terms and Conditions

 

Analytics Services

In addition, ChristieSheldon.com uses third party analytics providers and products to obtain, compile and analyze Information (that may include Personally Identifying Information) about how users are using and interacting with ChristieSheldon.com. ChristieSheldon.com may provide Information (including Personally Identifying Information) to these analytics providers for the purpose of obtaining statistics and other information about how users are using and interacting with ChristieSheldon.com. These analytics providers may use tracking techniques other than HTTP cookies to recognize your computer or device and/or to collect or compile this information. These techniques may be used directly on ChristieSheldon.com. ChristieSheldon.com has no responsibility for the technologies, tools or practices of the third parties that providing analytics products and services to ChristieSheldon.com. Please also keep in mind that your web browser may not permit you to block the use of these techniques, and that browser settings that block conventional cookies may have no effect on such techniques.

 

Security and Protection of Personally Identifying Information

We have implemented reasonable security measures and practices in an effort to protect the confidentiality of your Personally Identifying Information (other than Personally Identifying Information that you have elected to disclose to others). However, no security system is impenetrable. It may be possible for third parties to intercept or access information you provide to ChristieSheldon.com. ChristieSheldon.com cannot guarantee the security of your Personally Identifying Information, nor can we guarantee that information you supply will not be intercepted while being transmitted to ChristieSheldon.com. It is important for you to protect against unauthorized access to your password(s) and computer or device, and to log off when using any shared computer.

 

Email or Text Message Communications

We may contact you by e-mail, text message or other equivalent electronic communications if you access ChristieSheldon.com products or services or register for events, webinars or other content or services provided by ChristieSheldon.com. By visiting or using ChristieSheldon.com content, products or services, or registering for or attending ChristieSheldon.com events or webinars, you specifically consent to the receipt of these e-mail or text message communications. If you do not want to receive emails, text messages or other communications from us, please notify us by email at christiemariesheldon@gmail.com and include sufficient information for us to identify your account, including your Name, Email Address (or Cellphone Number) and the specifics of your request. If you unsubscribe, ChristieSheldon.com may still contact you via email or text message for administrative purposes or concerning any products, services or events for which you have registered or are using.

Changes to the Privacy Policy

ChristieSheldon.com retains the discretion to amend or modify this Privacy Policy from time to time. Use and disclosure of Information we obtain is subject to the later of: (1) the Privacy Policy in effect at the time such Information is collected or (2) any subsequent Privacy Policy of which you have notice. If we make material changes to the way we collect, use or disclose Personally Identifying Information, we will notify you by posting a clear and prominent announcement on ChristieSheldon.com or through a direct communication. Your continued access to or use of ChristieSheldon.com following notice of material changes to this Privacy Policy shall constitute consent to any amendments and/or modifications. Your use of ChristieSheldon.com is entirely voluntary, and you may discontinue use of ChristieSheldon.com at any time.

How to Contact Us

ChristieSheldon.com welcomes any questions or comments you may have regarding this Privacy Policy or its implementation. Any such questions or comments should be submitted via email to christiemariesheldon@gmail.com or directed to the address below. We will undertake reasonable efforts to resolve or address your concern.

Universal Resource, Inc

ATTN: Privacy

3651 Lindell Rd, Suite D440

Las Vegas, NV 89103

 

Effective Date of this Privacy Policy

This Privacy Policy is effective as of January 1, 2010.

 


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