laura@ljlonie

(716) 324-1097

FINANCIAL COACHING

Legal Agreement

Website Terms of Use

PLEASE READ THESE TERMS OF USE CAREFULLY.  BY ACCESSING THIS SITE OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, PLEASE DO NOT ACCESS THIS SITE.


You are currently viewing a page of the LJLonie.com website (“Site”) belonging to Laura J. Lonie. These Website Terms of Use (“Terms of Use”) govern your access to and use of the Site, including any content, functionality, and services offered on or through the Site (“Services”).  “You” and “your” refer to any person who accesses or uses the Site or Services. The Site is intended for individuals who are at least 13 years old. If you are under the age of 13 years old, please do not access this Site.


At all times, Laura Lonie reserves the right to modify these Terms of Use without notice. Any change to these Terms of Use will be effective as soon as the updated Terms of Use are posted on the Site. The most current version of the Terms of Use will be available to you by clicking the link at the bottom of the Site. By continuing to access or use the Services after the date of any change to these Terms of Use, you agree to be bound by the terms contained in the most recent version of the Terms of Use. Laura Lonie reserves the right to modify or terminate the Services or to terminate your access to the Site, in whole or in part, at any time.


Trademarks, copyrights, and restrictions on use

All trademarks, service marks, trade names, trade dress and related intellectual property rights in the Services are proprietary to Laura Lonie. You may not use, reproduce or display any of the Laura Lonie trademarks except if you obtain written consent, in advance, from Ms. Lonie. 


The Site and its entire contents, features, and functionality are owned, controlled, or licensed by Laura Lonie, and therefore are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Except as expressly provided in these Terms of Use, you may not copy, display, distribute, transmit, transfer, link to, reproduce, license, frame, alter, create derivative works of, reverse engineer, or republish all or any portion of the Site for any commercial or public purpose without Ms. Lonie’s prior written consent. You may, however, view information available on the Site for your informational purposes. You may download from the Site materials, except for software or source code, but only for your personal purposes only. You may not download software or source code from the Site. You acknowledge and agree that you do not acquire any ownership rights of any kind by downloading materials from the Site.


Your use of the Services, including the Site, imposes on you an obligation of appropriate use and conduct, which includes but is not limited to not causing an unreasonable or disproportionately large processing load on our Services or systems, not engaging in any conduct that restricts or inhibits use of the Services by others, and not introducing or transmitting any virus, worm, Trojan horse or other material that may harm or disrupt our Services. Unauthorized use of the Services, misuse of passwords, or misuse of any information or material posted on this Site is strictly prohibited.


You may use the Services, including the Site, only for lawful purposes. You agree to never use the Services in any way that violates any applicable federal, state, local, or international law or regulation.


Claims of copyright infringement

If you believe in good faith that materials available on the Site infringe your copyright, you (or your agent) may send Laura Lonie a notice requesting that she remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the Digital Millennium Copyright Act permits you to send Ms. Lonie a counter-notice. Learn more at the U.S. Copyright Office site.


Links to Third Party Sites or Content

From time to time, the Site may contain links to websites controlled or offered by third parties. Ms. Lonie disclaims all liability for any other company's website content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site. In addition, any advice, opinions, services, products, or recommendations provided by the linked site providers are those of the providers and not of Ms. Lonie. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you and the linked site provider.


Registration information

You may be invited to register at the Site to help us tailor the Service for your personal and business financial needs and to alert you of other products and services for you or your business. In registering for the Service, you agree to provide accurate, true, current, and complete information about you as requested by the registration screens. As a convenience to you, a profile for you or your business may be created based on the registration information that you provide.


Feedback

You agree that any and all suggestions, comments, and feedback that you submit at or via this Site (“Feedback”) shall be deemed to be non-confidential. We shall have no obligation to keep such Feedback confidential, except as otherwise specifically agreed or required by law.  We also shall be free to use in any way and for any purpose any Feedback without any restriction of any kind.  Such Feedback may include ideas for new or improved services, concepts, know-how, techniques, etc.


Disclaimer and limitation of liability

THE SERVICES, INCLUDING THE SITE (INCLUDING ALL CONTENT, FUNCTIONALITY, AND MATERIALS), ARE OFFERED ON AN "AS IS," “AS AVAILABLE,” "WHERE IS," AND "WHERE AVAILABLE" BASIS, WITH NO WARRANTY OF ANY KIND - WHETHER EXPRESS, IMPLIED, OR STATUTORY - INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT. THIS DOES NOT AFFECT THOSE WARRANTIES THAT ARE INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION UNDER THE LAWS APPLICABLE TO THESE TERMS OF USE.


YOU ACKNOWLEDGE THAT LAURA J. LONIE DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE, NOR DOES SHE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS, OR CONTENT OF ANY INFORMATION, SERVICE, OR PRODUCT PROVIDED THROUGH THE SERVICES. MS. LONIE DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES.


TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, IN NO EVENT SHALL MS. LONIE BE RESPONSIBLE FOR ANY LOSS OF ANY KIND, INCLUDING LOSS ASSOCIATED WITH ANY COMPUTER VIRUSES THAT MAY INFECT YOUR COMPUTER SYSTEM OR MOBILE DEVICE, PROPERTY DAMAGE, AND BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, IN NO EVENT SHALL MS. LONIE BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, LOST PROFITS, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE OF (OR INABILITY TO USE) THE SERVICES, THE SITE, ANY ONLINE SERVICES OR ANY INTERNET BROWSER SOFTWARE AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.


Indemnification

You agree to defend, indemnify, and hold harmless Laura J. Lonie and her agents and assigns from and against all losses, liabilities, damages, claims and expenses, including attorneys' fees, arising out of, relating to, or resulting from your violation of these Terms of Use or misuse of the Service or the Site, including such violation or misuses conducted by your employee or agent.


Enforceability and governing law

These Terms of Use constitute a contract between you and Laurie Lonie governed by the laws of the State of New York (United States of America), without reference to conflicts of laws provisions. In the event any of the terms or provisions of these Terms of Use shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision that comes closest to the intention underlying the unenforceable term or provision. These Terms of Use shall be subject to any other agreements you have entered into with Laura Lonie.


The Site is hosted in the United States.   If you are accessing this Site from outside the United States, you may be subjecting yourself to United States law, which may differ from your local laws, including laws that govern personal data collection, use, and disclosure.   In your use of this Site or Service, you may transfer certain personal information to the United States.  You consent to that transfer, and you consent to the application of United States law.