GENERAL INFORMATION

Josie Michelle Davis  (“I”, “we” or “us”) provides general educational information on various topics on this website as a public service, which should not be construed as professional, financial, real-estate, tax or legal advice. These are personal opinions only.

The term “you” refers to anyone who uses, visits and/or views the website.

Please read this Disclaimer carefully. I reserve the right to modify it at any time without notice.  By visiting and using this website, you accept and agree to be bound by this Disclaimer along with our Terms and Conditions and Privacy Policy. Your continued use of our website, programs, products and/or services constitutes your acceptance of future changes and updates to this Disclaimer. You must not access or use our website if you do not wish to be bound by this Disclaimer.

General Disclaimer

All content and information on this website is for informational and educational purposes only, does not constitute professional advice of any kind and does not establish any kind of professional-client relationship. A professional-client relationship with you is only formed after we have expressly entered into a written agreement with you that you have signed including our fee structure and other terms to work with you in a specific matter. Although we strive to provide accurate general information, the information presented here is not a substitute for any kind of professional advice. Always consult a professional in the area for your particular needs and circumstances.

AMAZON AFFILIATE

I am a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. As an Amazon Associate I earn from qualifying purchases.

AFFILIATE / THIRD PARTY LINKS

I am also a participant of different affiliate marketing programs whose products or services may be promote or advertise on this website in exchange for commissions and/or financial rewards when you click and/or purchase those products or services through those affiliate links.

I may also recommend other products and services but no such reference is intended to be an endorsement or statement that such information provided is accurate. I recommend these based on personal experiences but it is still your responsibility to conduct your own due diligence to ensure you have obtained complete accurate information about such products and services.

 These affiliate or third party relationships in no way compromise the integrity of the content, information, services and materials being presented to you here, and you are under no obligation to click on these affiliate links to purchase those products or services being offered. These affiliate programs are selected based on personal experiences and preferences. Although we provide these affiliate links on the website for your convenience, we have no control over these external websites and they are solely responsible for their own content and information presented.

Although we provide these affiliate links on the website for your convenience, we have no control over these external websites and they are solely responsible for their own content and information presented.  Therefore, we cannot be held liable or responsible for any content presented on these external websites and for any damages resulting from them.

This disclosure policy applies to all affiliate links we share on our website, social media, emails, programs, products such as courses, ebooks, services and through any other means of communication with you.

SPONSORED POSTS / REVIEWS DISCLAIMER

We may include sponsored blog posts on our website from time to time for products or services we recommend or those that have been valuable in our personal experience or use.

We may review different products, services and other resources to provide reviews of books, services and any other recommendations to you. We may receive incentives, discounts, compensation or free products in exchange for our reviews and sponsored content. All such reviews and sponsored posts are solely our honest opinions made in good faith. You are always encouraged to perform your own due diligence prior to relying on them.

FAIR USE DISCLAIMER

This website reviews products, including but not limited to posting of product images from other websites, logos of manufacturers. In doing so, no copyright is claimed for this kind of content on the website and to the extent that such material may appear to be infringed, we assert that such alleged infringement is permissible under the fair use principles of U.S. copyright laws. If you believe any material has been used in an unauthorized manner, please contact us at josie@josiemichelledavis.com