Effective Date: January, 2023

Welcome to our website! We want to make sure you have a clear understanding of how things work when you use our site. By using the Site, you agree to these Terms of Service, our Privacy Policy, our Refund Policy, and any additional terms and conditions that may apply to specific sections or products on the Site. When you access the Site, you’re agreeing to these terms.

We may update these Terms of Service or add new conditions to the Site from time to time. If we make any changes, we will post the updated terms on this website. By continuing to use the Site after we make these changes, you’re accepting the modified Terms of Service.

Intellectual Property Rights

Our License to You. The Site and all its materials are owned by us or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. You can use the Site for your personal noncommercial use, but you cannot infringe on our rights or use the materials in a way that we haven’t authorized. In other words, please don’t modify, copy, reproduce, sell, or distribute any material from the Site without our permission. However, you may download and print individual pages of the Site for your personal use, as long as you keep all copyright notices intact.

Your License to Us. If you post or submit any material to us through the Site, social media, email, or other means, you are telling us that you own the material or have the owner’s permission to share it. You also confirm that you are at least thirteen years old. By submitting the material, you grant us and anyone we authorize a worldwide, royalty-free, perpetual, irrevocable, non-exclusive license to use, copy, modify, sell, distribute, and publicly display or perform the material in any way we want. This license includes the right to identify you as the author of the material. If the material is not considered a “work made for hire,” you also assign all proprietary rights to us without additional compensation. We have the right to use and display your contributions but are not obligated to do so.

Linking and Framing. You can create a link to the Site, as long as it doesn’t imply any sponsorship from us. However, you need our written permission to frame or inline link any content from the Site or incorporate our material into another website or service.


We want to make it clear that we may provide links to third-party websites throughout the Site. Please note that these links do not mean we endorse or sponsor those sites, the information they provide, or the products and services they offer. We and our affiliates do not operate or control any information, products, or services provided by third parties on the Site or on linked websites.

Sometimes, you may come across opinions, advice, statements, services, offers, or other information from third parties on the Site. It’s important to understand that these are the views of the respective authors or distributors and not necessarily Donita Fowler’s views. We cannot guarantee the accuracy, completeness, or usefulness of any content provided by third parties. Additionally, we are not responsible for the accuracy and reliability of any opinions, advice, or statements made by anyone other than an authorized Donita Fowler representative acting in an official capacity.

THE INFORMATION, PRODUCTS, AND SERVICES OFFERED ON THE SITE, BY DONITA FOWLER, AND THROUGH THIRD-PARTY SITES ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED. We do not guarantee that the Site or any of its functions will be uninterrupted or error-free. We also do not warrant that defects will be corrected or that the Site, including bulletin boards, or the servers making it available, are free of viruses or harmful components.

We do not warrant or make any representations regarding the use or results of using the Site or materials on this Site or on third-party sites in terms of correctness, accuracy, timeliness, reliability, or otherwise.

You agree to defend, indemnify, and hold harmless Donita Fowler, its affiliates, and their respective parent and subsidiary companies, agents, associates, officers, directors, shareholders, and employees from any claims, damages, liabilities, costs, and expenses, including legal fees and expenses, arising from your breach of any obligations, warranties, representations, or covenants mentioned here.

Online Components

Some parts of the Site allow you to buy various products and services from third-party providers. It’s important to note that we are not responsible for the quality, accuracy, timeliness, or any other aspect of these products and services. When you make a purchase from a merchant on the Site or a linked site, both the merchant and we may collect information like your credit card number and contact details. Please be aware that merchants may have different privacy practices than us, and we are not liable for their policies. Additionally, specific terms and conditions may apply to your purchase or use of products and services, so make sure to check those out on the merchant’s website. If you have any issues with products or services from third parties, please don’t hold us or our affiliates responsible and refrain from making any claims against us.

Any interactions, communications, or transactions you have with third parties found on or through our Site are solely between you and those third parties. This includes payment, delivery of goods and services, and any associated terms, conditions, representations, or warranties. Donita Fowler is not responsible or liable for any losses or damages resulting from such dealings.

You are responsible for the financial aspects of any purchases made through the Site, whether by you or someone acting on your behalf. Please use the Site and make purchases for legitimate non-commercial purposes only. Avoid making speculative, false, or fraudulent purchases or trying to anticipate demand for a specific product or service. Only buy goods or services for yourself or someone you’re legally allowed to do so on behalf of. If you’re making a purchase for a third party and need to provide their personal information to us or a merchant, please ensure you have obtained their express consent to share that information.


To use certain features of the Site, you will need a username and password, which you will receive through the Site’s registration process. You are responsible for maintaining the confidentiality of the password and account, and are responsible for all activities (whether by you or by others) that occur under your password or account. You agree to notify us immediately of any unauthorized use of your password or account or any other breach of security, and to ensure that you exit from your account at the end of each session. We cannot and will not be liable for any loss or damage arising from your failure to protect your password or account information.

Limitation of Liability

We want to be upfront with you about our limitations when it comes to liability. So here’s the deal: under no circumstances, including negligence, will we, our parent companies, subsidiaries, or affiliates be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of the Site. This includes things like our messaging, blogs, comments, books, emails, products, services, or any third-party materials, products, or services made available through the Site.

Please note that even if we were advised beforehand about the possibility of such damages, we cannot be held responsible. (Keep in mind that in some states, the exclusion or limitation of certain types of damages may not be allowed. In those states, our liability and the liability of our parent companies, subsidiaries, or affiliates are limited to the fullest extent permitted by law.) We also want to clarify that we are not liable for any defamatory, offensive, or illegal conduct by any user. If you’re dissatisfied with the Site, its materials, products, services, or any of the terms and conditions, your only recourse is to stop using the Site and the associated products, services, and materials.

We want to emphasize that this Site is constantly evolving and being developed. Therefore, we make no warranty, whether implied or express, regarding its accuracy, completeness, or appropriateness for any purpose.

Regarding Financial Content on the Site:

Hey there! We want to make it clear that neither Donita Fowler nor any of the awesome people on our team are financial advisers. So please don’t take anything on the Site as financial advice. Donita Fowler isn’t an investment advisory service or adviser, and we don’t provide personalized financial advice. We’re here for educational purposes, and the materials and information you find on our site are meant to be general and informational.

The educational content we provide is intended for a wide audience and shouldn’t be seen as tailored advice for individuals. We highly encourage you to chat with your attorney, accountant, financial professional, or any other advisor you trust to discuss specific opportunities or situations. They’ll be able to give you the personalized guidance you need.


Listen up! We have the right to cancel or end your ability to use the Site or any part of it, and we can do so without any prior notice. If we do decide to cancel or terminate, you won’t be allowed to access the affected part of the Site anymore. But here’s the thing: even if that happens, the restrictions on downloaded materials and all the disclaimers and limitations of liability we talked about in these Terms of Service will still apply. They’re here to stay.

Refund Policy

Your purchase of a product or service or ticket to an event may or may not provide for any refund. Each specific product, service, event or course will specify its own refund policy.