Terms and Conditions

1. Acceptance of Terms

‍By accessing and using this website, you agree to comply with and be bound by these Terms and Conditions. If you do not agree to these terms, please refrain from using the website. These terms may be updated periodically, and it is your responsibility to review them regularly.

2. Use of Website

‍This website is intended for informational purposes only and is not a substitute for professional advice. You agree to use the website for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the site. Unauthorized use of the website may give rise to a claim for damages or be a criminal offense.

3. Intellectual Property Rights

‍All content on this website, including text, graphics, logos, and images, is the property of Karen Brown or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or display any content without prior written permission.

4. Limitation of Liability

‍Karen Brown and the website owner will not be liable for any direct, indirect, or consequential damages arising from the use of this website or the information provided herein. This includes, but is not limited to, loss of data, profits, or personal dissatisfaction resulting from reliance on website content.

5. Third-Party Links

‍This website may contain links to third-party websites for your convenience. Karen Brown does not endorse, control, or take responsibility for the content or practices of these websites. You access linked sites at your own risk, and their terms and privacy policies may differ from ours.

6. Privacy Policy

‍Your privacy is important to us. Any personal information provided through this website will be handled in accordance with our Privacy Policy, which outlines how we collect, use, and protect your data. By using this website, you consent to the collection and use of your information as described.

7. Governing Law

‍These Terms and Conditions are governed by and construed in accordance with the laws of the United States and the State of Illinois. Any disputes arising out of the use of this website will be subject to the exclusive jurisdiction of the courts located in Chicago, Illinois.