The following terms and conditions (“Terms and Conditions”) form a binding agreement (“Agreement”) between you and Suzy Q Creatives LLC (“Company”). The term “you” refers to anyone who uses, visits and/or views cathleenrsmith.com (“Website”), as well as pages and accounts on Membership.io, Facebook, Instagram and Pinterest (collectively, the “Sites”). The Company may modify, amend, supplement and replace these Terms and Conditions at any time without providing you with advance notice. Your continued use of the Sites after any change acts as your acceptance of the changed Terms and Conditions.

Copyright & Trademark.

All content included as part of the Sites, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Sites is the property of the Company or its suppliers and is protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contain in any such content and will not make any changes thereto.

The Company name, logo, slogan and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans on the Sites are the trademarks of their respective owners.

Links to Third Party Websites. 

The Sites may contain links to third party websites. All such linked websites, materials and pages are not under the control of the Company. The Company is not responsible for the content contained in any linked website nor for any losses or damages you may incur as a result of the use of any third party website. The Company accepts no liability for any errors or omissions contained in third party websites. These links are provided to improve your use of the Sites and to enable us to offer services and products, and conduct transactions.

Access & Account Security.

The Company reserves the right to withdraw or amend the Sites and any service or material it provides on the Sites in its sole discretion without notice. The Company will not be liable if for any reason all or any part of the Sites is unavailable at any time or for any period of time. From time to time, the Company may restrict access to some parts of the Sites, or the entirety of the sites, to users, including registered users.

To access the Sites or some of the resources they offer, you may be asked to provide certain registration details or other information. It is a condition of your use of the Sites and any resources downloaded from the Sites that all the information you provide on the Sites is correct, current and complete. You agree that all information you provide to register with the Sites or otherwise, including but not limited to through the use of any interactive features on the Sites, is governed by the Company’s Privacy Policy, and you consent to all actions the Company takes with respect to your information consistent thereto.

If you choose, or are provided with, a user name, password or any other piece of information as part of the Company’s security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to the Sites or portions thereof using your user name, password or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

The Company has the right to disable any user name, password or other identifier, whether chosen by you or provided by the Company, at any time in its sole discretion for any or no reason, including if, in the Company’s opinion, you have violated any provision of these Terms and Conditions.

Use License. 

You are granted a non-exclusive, non-transferable, revocable license to access and use the Sites and the resources available for download from the Sites strictly in accordance with these Terms and Conditions. If the Company has materials on the Sites which you can download, permission is granted to download copies of the materials for personal, non-commercial viewing only. This is the grant of a license not a transfer of title, and under this license you may not modify or copy the materials, use the materials for any commercial purpose or for any public display (commercial or non-commercial), or transfer the materials to another person or “mirror” the materials on any other server.

As a condition of your use of the Sites, you warrant to the Company that you will not use the Sites or any of the resources available for download from the Sites for any purpose that is unlawful or prohibited by these Terms and Conditions. You may not use the Sites or any of the resources available for download from the Sites in any manner that could damage, disable, overburden or impair the Sites or interfere with any other party’s use and enjoyment of the Sites. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Sites.

You acknowledge and agree that you have no right to share, modify, sell, edit, copy, reproduce, create derivative works of, reverse engineer, enhance or in any way exploit our products. You cannot sell or redistribute any of our products, whether free or paid ones, without the Company’s express written consent. You agree to abide by all copyright laws, trademark laws and intellectual property rights, and shall be solely responsible for any violations of these Terms and Conditions.

The Company content is not for resale. Your use of the Sites or any of the resources available for download from the Sites does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your individual use, and will make no other use of the content without the express written permission of the Company and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. The Company does not grant you any licenses, express or implied, to the intellectual property of the Company or its licensors except as expressly authorized by these Terms and Conditions.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by the Company at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession, whether in electronic or printed format.

Intention & Disclaimer.

The intention of the information, products and services the Company shares and posts on or through the Sites is for informational, educational and promotional purposes only. What the Company shares is the opinion and perspective of the Company. The Company assumes no responsibility or liability for any consequence resulting directly or indirectly from any action or inaction you take based on the information found on the Sites or material linked to the Sites. The information contained on the Sites and the resources available for download through the Sites is not intended as, and shall not be understood or construed as legal, financial, tax, medical, health or any other professional advice.

Accuracy & Personal Responsibility.

The Company has done its best to ensure that the information provided on the Sites and the resources available for download are accurate and provide valuable information, but the Company cannot guarantee the accuracy of the information. Neither the Company nor any of its owners, officers, directors, agents, contractors or employees shall be held liable or responsible for any errors or omissions on the Sites or for any damage you may suffer as a result of failing to seek competent advice from a professional who is familiar with your situation.

By using the Sites, you accept personal responsibility for the results of your actions. You agree to take full responsibility for any harm or damage you suffer as a result of the use, or non-use, of the information available on the Sites or the resources available for download from the Sites. You agree to use judgment and conduct due diligence before taking any actions or implementing any plans or policy suggested or recommend on the Sites.

No Guarantees.

The Company makes no guarantees about any particular results or benefit that you’ll get from the Sites or the Company’s recommendations. The Company will do everything to give you the tools to succeed, but it makes no guarantees. Please be clear: The Company makes no promises regarding results and makes no guarantees whatsoever. You recognize that your ultimate success or failure will be the result of your own efforts, your particular situation and innumerable other circumstances beyond the control and/or knowledge of the Company. You also recognize that prior results do not guarantee a similar outcome. The results obtained by others - whether clients of the Company or otherwise - applying the principles set out in the Sites are no guarantee that you or any other person or entity will be able to obtain similar results.

Email & Electronic Communications.

Visiting the Sites or sending emails to the Company constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that the Company provides to you electronically, via email and on the Sites, satisfy any legal requirement that such communications be in writing.

The Company would be pleased to communicate with you by email and there are various places on the Sites that provide you the ability to send an electronic communication to the Company. Any such email or other electronic communication, however, does not create a business relationship or any contractual relationship. The Company will take reasonable steps to ensure that any communications remain confidential, but it cannot guarantee the security of such communications and cannot guarantee that it would not be required to disclose such communications as a result of a court order.

Use of Paid Courses, Programs & Associated Materials.

The Company, from time to time, provides various courses, programs and associated materials (“Courses”) for sale on the Sites. The Company grants you a limited, personal, non-exclusive, non-transferable license to use its Courses for your own personal use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivatives works of, reverse engineer, alter, enhance or in any way exploit any of the Courses in any manner. By ordering or participating in the Courses, you agree that the Courses you purchase or download may only be used by you for your personal use and may not be sold or redistributed without the express written consent of the Company. By ordering or participating in the Courses, you further agree that you shall not create any derivative work based upon the Courses and you shall not offer any competing products or services based upon any information contained in the Courses.

Use of Free, Downloadable Content.

The Company provides various resources on the Sites, which users may access by providing an e-mail address (“Resources”). The Company grants you a limited, personal, non-exclusive, non-transferable license to use the Resources in exchange for an email address for your own personal use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivatives works of, reverse engineer, alter, enhance or in any way exploit any of the Resources in any manner. By downloading the Resources, you agree that the Resources you download may only be used by you for your personal use and may not be sold or redistributed without the express written consent of the Company. By downloading the Resources, you further agree that you shall not create any derivative work based upon the Resources and you shall not offer any competing products or services based upon any information contained in the Resources.

Cancellation & Refund Policies.

Since you receive full, instant access to the Courses and all associated resources, the Company is not able to provide cancellations or refunds. However, the Company truly cares about your experience. If you find the specific Course doesn’t align with its description, please send an email to cathleen@cathleenrsmith.com within 10 days of your purchase date. The Company will gladly offer a 50% credit toward any of its other Courses, valid for the next 12 months. This way your investment isn’t wasted, and you’ll have the opportunity to continue your wellness journey in a way that works best for you.

Communication Services.

The Sites may contain bulletin board services, chat areas, forums, communities, blog comment sections and/or other message or communication facilities designed to enable you to communicate with the public at large or with an identified group (“Communication Services”). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service.

You agree that when using a Communication Service, you will not: defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer; advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages; conduct or forward surveys, contests, pyramid schemes or chain letters; download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner; falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded; restrict or inhibit any other user from using and enjoying the Communication Services; violate any code of conduct or other guidelines which may be applicable for any particular Communication Service; harvest or otherwise collect information about others, including e-mail addresses, without their consent; or violate any applicable laws or regulations.

The Company has no obligation to monitor the Communication Services. However, the Company reserves the right to review materials posted to a Communication Service. The Company reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever. The Company reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in the Company’s sole discretion.

Always use caution when giving out any personally identifying information about yourself in any Communication Service. The Company does not control or endorse the content, messages or information found in any Communication Service and, therefore, the Company specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you upload the materials.

Indemnity. 

As a condition of your use of the Sites, you indemnify the Company, its officers, directors, members, agents, employees and third parties, from and against any and all losses, costs, liabilities, expenses (including legal fees) and damages arising out of claims resulting or arising from, or relating to, your use of or inability to use the Sites, the Courses, the Resources and/or and the products or recommendations set forth therein, and/or your violation of any of these Terms and Conditions, any rights of a third party, or any applicable laws, rules or regulations.

Mistakes & Artificial Intelligence (“AI”). 

All of the content the Company puts on the Sites is intended to be as accurate as possible and to be as helpful as possible in providing you with information, education and services. But please understand that mistakes may be made. The Company will not intentionally mislead you and will always try to do its best to present the most accurate, up-to-date information possible.

The Company may use AI technology to supplement or enhance content throughout the Sites and related materials. This may include, but is not limited to, AI-generated images, audio or text. However, while these tools may be used to suggest or enhance content, all published content on the Sites is completely human, including, but not limited to, all opinions, thoughts and ideas. By visiting the Sites, you agree and acknowledge that the Company is not required to notify you when or how AI technologies are used.

While the Company has made reasonable efforts to ensure the accuracy and completeness of any AI generated content, you agree and understand that the Company expressly disclaims the accuracy of any AI generated content, including any and all liability for any errors or omissions in the content produced by AI technology.

No Warranties. 

The Company makes no promises or warranties that the Sites or or any third-party programs will always be operational. The Company also makes no representations or warranties of any kind, express or implied, as to the information, content, resources, materials, documents, programs, products, courses, books or services included on or through the Sites. To the maximum extent permissible, the Company disclaims all warranties, express or implied, including implied warranties of merchantability and fitness for a particular purpose.

Entire Agreement. 

These Terms and Conditions and any other legal notices, policies and guidelines of the Company contained on the Sites constitute the entire agreement between you and the Company relating to your use of the Sites and supersede any prior understandings or agreements (whether oral or written), claims, representations, and understandings of the parties regarding such subject matter. These Terms and Conditions may not be amended or modified except by the Company. If for any reason a court of competent jurisdiction finds any provision or portion of these Terms and Conditions to be unenforceable, that portion or provision shall be enforced to the maximum extent permissible so as to effectuate the intent of the parties as reflected by that provision, and the remainder of these Terms and Conditions shall continue in full force and effect. Failure by the Company to enforce or exercise any provision of these Terms and Conditions shall not constitute a waiver of that right. These Terms and Conditions were last updated on September 21, 2025.

Reach Out. 

Please feel free to connect with me to ask any questions. All communications should be directed to cathleen@cathleenrsmith.com.