Terms and Conditions

These Terms and Conditions (“Terms”) govern your use of Loren Michaels Harris (the “Website”) and any content, coaching, speaking, online courses, digital products, or other services offered through it (collectively, the “Services”).

By accessing or using the Website or Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Website or Services.

Eligibility
You must be at least 18 years old and have the legal capacity to enter into a binding contract under the laws of the State of Illinois and your own jurisdiction.

Changes to These Terms
We may update these Terms at any time. The “Last updated” date above indicates the most recent revision. Your continued use of the Website or Services after changes become effective constitutes your acceptance of the updated Terms.

Use of the Website
You agree that you will not:
• Use the Website for any unlawful or fraudulent purpose
• Attempt to gain unauthorized access to the Website, other accounts, or systems
• Interfere with or disrupt the security or proper functioning of the Website
• Transmit any viruses, malware, or other harmful code
• Engage in activities that could damage, disable, or overburden our infrastructure

Accounts and Security (If Applicable)
If you create an account to access courses, programs, or other Services:
• You must provide accurate, current information
• You are responsible for maintaining the confidentiality of your login credentials
• You agree to notify us promptly of any unauthorized use of your account

We reserve the right to suspend or terminate accounts we believe are compromised or used in violation of these Terms.

Services, Digital Products, and Payments
We may offer coaching, speaking, online courses, memberships, and other digital products via the Website.
• Prices, descriptions, and availability are subject to change without notice
• Payments are processed through third-party providers; we do not store full payment card details
• By placing an order, you represent that you are authorized to use the chosen payment method and agree to pay all fees and applicable taxes

Refunds and cancellations are governed by our separate Refund & Cancellation Policy, which is incorporated into these Terms by reference.

Intellectual Property
Unless otherwise stated, all content on the Website—including text, images, logos, graphics, videos, audio, digital downloads, and course materials—is owned by LMH, operating as Loren Michaels Harris, or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may:
• View and, where permitted, download content for your personal, non-commercial use only.

You may not:
• Copy, reproduce, distribute, modify, or create derivative works from our content without prior written permission
• Share, resell, or publicly display course materials or digital products
• Use our trademarks, logos, or branding without our written consent

User Content and Testimonials
If you submit content such as testimonials, comments, or reviews:
• You grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, display, and distribute your content in connection with our business, including in marketing materials and on social media
• You represent that your content is accurate and does not infringe any third party’s rights or violate any law

We may edit or remove user content at our discretion.

No Professional, Medical, or Financial Advice
The information provided on the Website and through our Services is for educational and informational purposes only. Nothing contained on the Website or in our Services is intended as legal, financial, medical, mental health, or other professional advice.

You are responsible for your own decisions and should consult appropriate professionals before acting on any information obtained from us.

Earnings and Results Disclaimer
We may share examples of past results, client stories, or testimonials. These are not guarantees of any particular outcome. Your results depend on many factors, including your background, experience, and effort, which are beyond our control.

Third-Party Links
The Website may contain links to third-party websites or resources. We provide these links for convenience only and do not endorse or assume responsibility for any third-party content, products, or services. You access third-party websites at your own risk.

Limitation of Liability
To the fullest extent permitted by law, LMH, operating as Home , and its owners, employees, contractors, and agents will not be liable for any indirect, incidental, consequential, special, or punitive damages, or any loss of profits, revenue, data, or goodwill arising out of or related to your use of the Website or Services, even if we have been advised of the possibility of such damages.

Our total liability for any claim arising out of or relating to the Website or Services shall not exceed the amount you paid us for the relevant Service during the twelve (12) months preceding the event giving rise to the claim.

Indemnification
You agree to indemnify, defend, and hold harmless LMH, operating as Home , and its officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:
• Your use of the Website or Services
• Your violation of these Terms
• Your infringement of any third party’s rights

Governing Law and Jurisdiction
These Terms are governed by the laws of the State of Illinois, United States, without regard to its conflict-of-law principles. You agree that any disputes arising out of or relating to these Terms or your use of the Website or Services shall be submitted to the exclusive jurisdiction of the state or federal courts located in Illinois, unless mandatory law provides otherwise.

Termination
We may suspend or terminate your access to the Website or Services at any time, without prior notice, if we believe you have violated these Terms or engaged in harmful conduct. Upon termination, your right to use the Website and Services will immediately cease.

Contact
If you have any questions about these Terms, please contact:
• Email: hello@lorenmichaelsharris.com
• Alternate email: lorenmichaelsharris@gmail.com