General

This website (the “Site”) is owned and operated by Kimberly Coaching & Consulting (“KCC,” “we” or
“us”). By using the Site, you agree to be bound by these Terms of Service and to use the Site in
accordance with these Terms of Service, our Privacy Policy and any additional terms and conditions that
may apply to specific sections of the Site or to products and services available through the Site or from
KCC. Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and
your agreement to be bound by these Terms of Service.

We reserve the right to change these Terms of Service or to impose new conditions on use of the Site,
from time to time, in which case we will post the revised Terms of Service on this website. By continuing
to use the Site after we post any such changes, you accept the Terms of Service, as modified.

Intellectual Property Rights

Our Limited License to You

This Site and all the materials available on the Site are the property of us and/or our affiliates or
licensors, and are protected by copyright, trademark, and other intellectual property laws. The Site is
provided solely for your personal noncommercial use. You may not use the Site or the materials
available on the Site in a manner that constitutes an infringement of our rights or that has not been
authorized by us. More specifically, unless explicitly authorized in these Terms of Service or by the
owner of the materials, you may not modify, copy, reproduce, republish, upload, post, transmit,
translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by
email or other electronic means) any material from the Site. You may, however, from time to time,
download and/or print one copy of individual pages of the Site for your personal, non-commercial use,
provided that you keep intact all copyright and other proprietary notices.

Your License to Us

By posting or submitting any material (including, without limitation, comments, blog entries, Facebook
postings, photos and videos) to us via the Site, internet groups, social media venues, or to any of our
staff via email, text or otherwise, you are representing: (i) that you are the owner of the material, or are
making your posting or submission with the express consent of the owner of the material; and (ii) that
you are thirteen years of age or older. In addition, when you submit, email, text or deliver or post any
material, you are granting us, and anyone authorized by us, a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such material, in whole or in part, in any
manner or medium, now known or hereafter developed, for any purpose. The foregoing grant shall
include the right to exploit any proprietary rights in such posting or submission, including, but not
limited to, rights under copyright, trademark, service mark or patent laws under any relevant
jurisdiction. Also, in connection with the exercise of such rights, you grant us, and anyone authorized by
us, the right to identify you as the author of any of your postings or submissions by name, email address
or screen name, as we deem appropriate.

You acknowledge and agree that any contributions originally created by you for us shall be deemed a
“work made for hire” when the work performed is within the scope of the definition of a work made for
hire in Section 101 of the United States Copyright Law, as amended. As such, the copyrights in those
works shall belong to KCC from their creation. Thus, KCC shall be deemed the author and exclusive
owner thereof and shall have the right to exploit any or all of the results and proceeds in any and all
media, now known or hereafter devised, throughout the universe, in perpetuity, in all languages, as KCC
determines. In the event that any of the results and proceeds of your submissions hereunder are not
deemed a “work made for hire” under Section 101 of the Copyright Act, as amended, you hereby,
without additional compensation, irrevocably assign, convey and transfer to KCC all proprietary rights,
including without limitation, all copyrights and trademarks throughout the universe, in perpetuity in
every medium, whether now known or hereafter devised, to such material and any and all right, title
and interest in and to all such proprietary rights in every medium, whether now known or hereafter
devised, throughout the universe, in perpetuity. Any posted material which are reproductions of prior
works by you shall be co-owned by us.

You acknowledge that salibina.com has the right but not the obligation to use and display any postings
or contributions of any kind and that KCC may elect to cease the use and display of any such materials
(or any portion thereof), at any time for any reason whatsoever.

Limitations on Linking and Framing. You may establish a hypertext link to the Site so long as the link
does not state or imply any sponsorship of your site by us or by the Site. However, you may not, without
our prior written permission, frame or inline link any of the content of the Site, or incorporate into
another website or other service any of our material, content or intellectual property.

Disclaimers

Throughout the Site, we may provide links and pointers to Internet sites maintained by third parties. Our
linking to such third-party sites does not imply an endorsement or sponsorship of such sites, or the
information, products or services offered on or through the sites. In addition, neither we nor affiliates
operate or control in any respect any information, products or services that third parties may provide on
or through the Site or on websites linked to by us on the Site.

If applicable, any opinions, advice, statements, services, offers, or other information or content
expressed or made available by third parties, including information providers, are those of the
respective authors or distributors, and not salibina.com. Neither KCC nor any third-party provider of
information guarantees the accuracy, completeness, or usefulness of any content. Furthermore, KCC
neither endorses nor is responsible for the accuracy and reliability of any opinion, advice, or statement
made on any of the Sites by anyone other than an authorized KCC representative while acting in his/her
official capacity.

THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH THE SITE AND BY KCC AND
ANY THIRD-PARTY SITES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER
EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE
DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED
WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT
THAT THE SITE OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS
WILL BE CORRECTED, OR THAT ANY PART OF THIS SITE, INCLUDING BULLETIN BOARDS, OR THE SERVERS
THAT MAKE IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE
USE OF THE SITE OR MATERIALS ON THIS SITE OR ON THIRD-PARTY SITES IN TERMS OF THEIR
CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

You agree at all times to defend, indemnify and hold harmless salibina.com its affiliates, their
successors, transferees, assignees and licensees and their respective parent and subsidiary companies,
agents, associates, officers, directors, shareholders and employees of each from and against any and all
claims, causes of action, damages, liabilities, costs and expenses, including legal fees and expenses,
arising out of or related to your breach of any obligation, warranty, representation or covenant set forth
herein.

Online Commerce

Certain sections of the Site may allow you to purchase many different types of products and services
online that are provided by third parties. We are not responsible for the quality, accuracy, timeliness,
reliability or any other aspect of these products and services. If you make a purchase from a merchant
on the Site or on a site linked to by the Site, the information obtained during your visit to that
merchant’s online store or site, and the information that you give as part of the transaction, such as
your credit card number and contact information, may be collected by both the merchant and us. A
merchant may have privacy and data collection practices that are different from ours. We have no
responsibility or liability for these independent policies. In addition, when you purchase products or
services on or through the Site, you may be subject to additional terms and conditions that specifically
apply to your purchase or use of such products or services. For more information regarding a merchant,
its online store, its privacy policies, and/or any additional terms and conditions that may apply, visit that
merchant’s website and click on its information links or contact the merchant directly. You release us
and our affiliates from any damages that you incur, and agree not to assert any claims against us or
them, arising from your purchase or use of any products or services made available by third parties
through the Site.

Your participation, correspondence or business dealings with any third party found on or through our
Site, regarding payment and delivery of specific goods and services, and any other terms, conditions,
representations or warranties associated with such dealings, are solely between you and such third
party. You agree that KCC shall not be responsible or liable for any loss, damage, or other matters of any
sort incurred as the result of such dealings.

You agree to be financially responsible for all purchases made by you or someone acting on your behalf
through the Site. You agree to use the Site and to purchase services or products through the Site for
legitimate, non-commercial purposes only. You also agree not to make any purchases for speculative,
false or fraudulent purposes or for the purpose of anticipating demand for a particular product or
service. You agree to only purchase goods or services for yourself or for another person for whom you
are legally permitted to do so. When making a purchase for a third party that requires you to submit the
third party’s personal information to us or a merchant, you represent that you have obtained the
express consent of such third party to provide such third party’s personal information.

Your purchase is for personal use only. Sharing of purchases is not permitted and will be considered
unauthorized, an infringing use of our copyrighted material, and may subject violators to liability.

If payment for a course is declined, our system will automatically disable access to our premium
materials. (We understand. This usually happens because a credit card expires.) We want to help restore
your access, so we’ll make every attempt to contact you to help resolve this issue. Once the billing issue
is resolved, we’ll restore access.

Interactive Features

This Site may include a variety of features, such as bulletin boards, web logs, chat rooms, and email
services, which allow feedback to us and real-time interaction between users, and other features which
allow users to communicate with others. Responsibility for what is posted on bulletin boards, web logs,
chat rooms, and other public posting areas on the Site, or sent via any email services on the Site, lies
with each user – you alone are responsible for the material you post or send. We do not control the
messages, information or files that you or others may provide through the Site. It is a condition of your
use of the Site that you do not:

● Restrict or inhibit any other user from using and enjoying the Site.
● Use the Site to impersonate any person or entity, or falsely state or otherwise misrepresent your
affiliation with a person or entity.
● Interfere with or disrupt any servers or networks used to provide the Site or its features, or disobey
any requirements, procedures, policies or regulations of the networks we use to provide the Site.
● Use the Site to instigate or encourage others to commit illegal activities or cause injury or property
damage to any person.
● Gain unauthorized access to the Site, or any account, computer system, or network connected to this
Site, by means such as hacking, password mining or other illicit means.
● Obtain or attempt to obtain any materials or information through any means not intentionally made
available through this Site.
● Use the Site to post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene,
vulgar, pornographic, profane or indecent information of any kind, including without limitation any
transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to
civil liability or otherwise violate any local, state, national or international law.
● Use the Site to post or transmit any information, software or other material that violates or infringes
upon the rights of others, including material that is an invasion of privacy or publicity rights or that is
protected by copyright, trademark or other proprietary right, or derivative works with respect thereto,
without first obtaining permission from the owner or rights holder.
● Use the Site to post or transmit any information, software or other material that contains a virus or
other harmful component.
● Use the Site to post, transmit or in any way exploit any information, software or other material for
commercial purposes, or that contains advertising.
● Use the Site to advertise or solicit to anyone to buy or sell products or services, or to make donations
of any kind, without our express written approval.
● Gather for marketing purposes any email addresses or other personal information that has been
posted by other users of the Site.

KCC may host message boards, chats and other public forums on its Sites. Any user failing to comply
with the terms and conditions of this Agreement may be expelled from and refused continued access to,
the message boards, chats or other public forums in the future. KCC or its designated agents may
remove or alter any user-created content at any time for any reason. Message boards, chats and other
public forums are intended to serve as discussion centers for users and subscribers. Information and
content posted within these public forums may be provided by KCC staff, KCC outside contributors, or by
users not connected with KCC, some of whom may employ anonymous user names. KCC expressly
disclaims all responsibility and endorsement and makes no representation as to the validity of any
opinion, advice, information or statement made or displayed in these forums by third parties, nor are
we responsible for any errors or omissions in such postings, or for hyperlinks embedded in any
messages. Under no circumstances will we, our affiliates, suppliers or agents be liable for any loss or
damage caused by your reliance on information obtained through these forums. The opinions expressed
in these forums are solely the opinions of the participants, and do not reflect the opinions of KCC or any
of its subsidiaries or affiliates.

KCC has no obligation whatsoever to monitor any of the content or postings on the message boards,
chat rooms or other public forums on the Sites. However, you acknowledge and agree that we have the
absolute right to monitor the same at our sole discretion. In addition, we reserve the right to alter, edit,
refuse to post or remove any postings or content, in whole or in part, for any reason and to disclose
such materials and the circumstances surrounding their transmission to any third party in order to
satisfy any applicable law, regulation, legal process or governmental request and to protect ourselves,
our clients, sponsors, users and visitors.

We occasionally include access to an online community as part of our programs. We want every single
member to add value to the group. Our goal is to make your community the most valuable community
you’re a member of. Therefore, we reserve the right to remove anyone at any time. We rarely do this,
but we want to let you know how seriously we take our communities.

Registration

To access certain features of the Site, we may ask you to provide certain demographic information
including your gender, year of birth, zip code and country. In addition, if you elect to sign-up for a
particular feature of the Site, such as chat rooms, web logs, or bulletin boards, you may also be asked to
register with us on the form provided and such registration may require you to provide personally
identifiable information such as your name and email address. You agree to provide true, accurate,
current and complete information about yourself as prompted by the Site’s registration form. If we have
reasonable grounds to suspect that such information is untrue, inaccurate, or incomplete, we have the
right to suspend or terminate your account and refuse any and all current or future use of the Site (or
any portion thereof). Our use of any personally identifiable information you provide to us as part of the
registration process is governed by the terms of our Privacy Policy.

Passwords

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

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE, OUR
SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT,
INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE
INABILITY TO USE, THE SITE, INCLUDING OUR MESSAGING, BLOGS, COMMENTS OF OTHERS, BOOKS,
EMAILS, PRODUCTS, OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE
AVAILABLE THROUGH THE SITE OR BY US IN ANY WAY, EVEN IF WE ARE ADVISED BEFOREHAND OF THE
POSSIBILITY OF SUCH DAMAGES. (BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR
LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
IN SUCH STATES, OUR LIABILITY AND THE LIABILITY OF OUR SUBSIDIARY AND PARENT COMPANIES OR
AFFILIATES IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW.) YOU SPECIFICALLY
ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL
CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH THE SITE, ANY MATERIALS, PRODUCTS, OR
SERVICES ON THE SITE, OR WITH ANY OF THE SITE’S TERMS AND CONDITIONS, YOUR SOLE AND
EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE AND THE PRODUCTS, SERVICES AND/OR
MATERIALS SaliBina.com IS NOT AN INVESTMENT ADVISORY SERVICE, IS NOT AN INVESTMENT ADVISER,
AND DOES NOT PROVIDE PERSONALIZED FINANCIAL ADVICE OR ACT AS A FINANCIAL ADVISOR.

WE EXIST FOR EDUCATIONAL PURPOSES ONLY, AND THE MATERIALS AND INFORMATION CONTAINED
HEREIN AND IN OUR PRODUCTS AND SERVICES ARE FOR GENERAL INFORMATIONAL PURPOSES ONLY.
NONE OF THE INFORMATION PROVIDED BY US IS INTENDED AS INVESTMENT, TAX, ACCOUNTING OR
LEGAL ADVICE, AS AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL, OR AS AN
ENDORSEMENT, RECOMMENDATION OR SPONSORSHIP OF ANY KCC, SECURITY, OR FUND. OUR
INFORMATION SHOULD NOT BE RELIED UPON FOR PURPOSES OF TRANSACTING IN SECURITIES OR
OTHER INVESTMENTS.

WE DO NOT OFFER OR PROVIDE TAX, LEGAL OR INVESTMENT ADVICE AND YOU ARE RESPONSIBLE FOR
CONSULTING TAX, LEGAL, OR FINANCIAL PROFESSIONALS BEFORE ACTING ON ANY INFORMATION
PROVIDED BY US. THIS SITE IS CONTINUALLY UNDER DEVELOPMENT AND KCC MAKES NO WARRANTY OF
ANY KIND, IMPLIED OR EXPRESS, AS TO ITS ACCURACY, COMPLETENESS OR APPROPRIATENESS FOR ANY
PURPOSE.

YOU acknowledge and agrees that no representation has been made by SaliBina.com OR ITS AFFILIATES
and relied upon as to the future income, expenses, sales volume or potential profitability that may be
derived from the participation in THIS PROGRAM.

Termination

We may cancel or terminate your right to use the Site or any part of the Site at any time without notice.
In the event of cancellation or termination, you are no longer authorized to access the part of the Site
affected by such cancellation or termination. The restrictions imposed on you with respect to material
downloaded from the Site, and the disclaimers and limitations of liabilities set forth in these Terms of
Service, shall survive.

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.

Other

The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who
believe that material appearing on the Internet infringes their rights under the U.S. copyright law. If you
believe in good faith that materials hosted by KCC infringe your copyright, you, or your agent may send
to KCC a notice requesting that the material be removed or access to it be blocked. Any notification by a
copyright owner or a person authorized to act on its behalf that fails to comply with requirements of the
DMCA shall not be considered sufficient notice and shall not be deemed to confer upon KCC actual
knowledge of facts or circumstances from which infringing material or acts are evident. If you believe in
good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits
you to send to KCC a counter-notice. All notices and counter notices must meet the then current
statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright for details. KCC’s
Copyright Agent for notice of claims of copyright infringement or counter notices can be reached as
follows: coachkim@kimberlycc.com

This Agreement shall be binding upon and inure to the benefit of KCC and our respective assigns,
successors, heirs, and legal representatives. Neither this Agreement nor any rights hereunder may be
assigned without the prior written consent of KCC. Notwithstanding the foregoing, all rights and
obligations under this Agreement may be freely assigned by KCC to any affiliated entity or any of its
wholly owned subsidiaries

These Terms of Use shall be governed by and construed in accordance with the laws of the city of
Macomb and any dispute shall be subject to binding arbitration in Michigan. If any provision of this
agreement shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed
severable from this agreement and shall not affect the validity and enforceability of any remaining
provisions.

Disclaimer

Although it is highly unlikely, This policy may be changed at any time at our discretion. If we should
update this policy, we will post the updates to this page on our Website.
If you have any questions or concerns regarding our privacy policy please direct them to:
[coachkim@kimberlycc.com]