Privacy Policy & Terms of Use

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This Privacy Policy applies to this website and any other websites, mobile applications, online products, brands and/or services (“the Sites”) owned and/or operated by Carnanco (“Carnanco” “we” “us” “our”), including but not limited to Cheryl.wtf, Wicked Title Forum and Business Witch Academy.

Please read this Privacy Policy carefully and in its entirety. By using the Sites and/or purchasing, viewing, downloading, or providing your email to receive a newsletter, FREE resource, social media or blog posts, courses, OR OTHER Services or materials available on or through the sites, you agree to the terms of this Privacy Policy.

Thank you for your interest in Carnanco. Carnanco is committed to protecting your Personal Information. It is possible to browse many areas of our Sites without disclosing any Personal Information.

For the purposes of this Privacy Policy “Personal Information” means information that on its own, or used in conjunction with other information is capable of identifying, contacting, or locating a single person, or identifying an individual in context. Personal Information includes, but is not necessarily limited to, your name, address, email address, telephone number, bank or credit card information, etc.

Certain aspects of our business require the processing of personal data in order to function. If you choose not to provide information that is necessary to provide a product or service, you may not be able to use some of our features, products, or certain areas of our Sites.

This Privacy Policy explains the choices you have about the way your Personal Information is collected and used, including the following:

What personally identifiable information is collected from you through the Sites, how it is used and with whom it may be shared;
What choices are available to you regarding the use of your information;
The security procedures in place to protect the misuse of your information;
How you can correct any inaccuracies in your Personal Information.

This policy does not apply to the practices of companies that Carnanco does not own or control, or to people that Carnanco does not employ or manage. This policy does not apply to information you voluntarily post on any public or private group, class, topic, post forum, chat or other similar digital or in person means of communication that we host in/on any public or private social media site, including but not limited to, ZenAbstractGroup.com, Facebook, Zoom, YouTube or Instagram.

Information Collection and Use

Carnanco is the sole owner of all information collected on the Sites. When using the Sites, if you fill out forms, purchase products, or provide comments, you may be asked to provide your name, email address, mailing address, phone number and payment information. We use this information to deliver the products or services requested, to enhance your User experience, and to improve the performance of the Sites.

Carnanco collects information about your transactions with us and with some of our business partners, including information about your use of services that we offer.

Carnanco automatically receives and records information on our server logs from your browser, including your IP address, Carnanco cookie information, and the page you request.

Carnanco uses information for the following general purposes: to customize the advertising and content you see, fulfill your requests for products and services, improve our services, contact you, and conduct research.

If you sign up for an email list, contest, download, course, or service from Carnanco, you will only be added to our email list if you affirmatively consent to receive such messages. You may unsubscribe at any time by following the “UNSUBSCRIBE” instructions at the bottom of the email.

Carnanco does not rent, sell, or share personal information about you with other people or nonaffiliated companies except to provide products or services you’ve requested, when we have your permission, or under the following circumstances:

To trusted partners who work on behalf of or with Carnanco under confidentiality agreements. These companies may use your personal information to help Carnanco communicate with you about offers from Carnanco and our marketing partners. However, these companies do not have any independent right to share this information.
To third parties, to assist us in operating the Sites, conducting our business, or providing services to you, such as shipping an order, sending a newsletter, or processing a payment;
To third parties, for any corporate reorganization process including, but not limited to, mergers, acquisitions, consolidation, change in control, reorganization or liquidation, and sales of all or substantially all of our assets; and
We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims;
We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Carnanco’s terms of use, or as otherwise required by law.

Data Retention

Carnanco has no obligation to you to retain your Personal Information. For as long as you choose to remain on our email list, we will retain a minimum amount of personal information including your name, your email address, and your behavior on our website. For all other information, we generally retain information only as long as is necessary to fulfill the purpose for which the Personal Information was collected, resolve disputes, or as reasonably determined.

Assignment

In the event that all or part of our assets are sold or acquired by another party, or in the event of a merger, you grant us the right to assign your Personal Information collected via the Sites to the acquiring party.

Analytics and Cookies

This Site collects readily available information about visitors’ usage of the website via Google Analytics (acting as its site traffic gathering agent for this limited purpose). Generally, this may include information about your geographic location, your browsing behaviors while using the Sites, the type of device or software you use, and your IP address. We use this information for statistical purposes, to measure the Sites’ effectiveness, and to improve visitor experience. If you wish to opt out, visit Google Analytics’ privacy center.

We sometimes use an Internet device called a ‘cookie’ to recognize your browser when you visit our site. A cookie is a small amount of information that a website transfers to your computer’s hard drive.

The Sites utilize cookies to better individualize and improve your user experience. You can choose whether to accept or block cookies by changing the settings of your browser. If you block cookies, you may lose some of the features and functionality of the Sites.

Your Access to and Control over Information

You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address given on our website:

Learn what Personal Information we have about you, if any;
Change/correct any Personal Information we have about you;
Request us to delete any Personal Information we have about you;
Express any concern you have about our use of your Personal Information.

Links

The Sites may contain links to other third-party sites. Please be aware that we are not responsible for the content or privacy practices of such third-party sites. We encourage users to be aware when they leave our Sites and to read the privacy policies of any other website that collects personally identifiable information.

Blog and Other Public Posting

Any information you post in a public posting area, such as a comment on a blog post, is available to anyone with Internet access. If you don’t want people to know your e-mail address, for example, please don’t include it in any comment you post publicly. PLEASE BE EXTREMELY CAREFUL WHEN DISCLOSING ANY INFORMATION IN PUBLIC POSTING AREAS. WE ARE NOT RESPONSIBLE FOR THE USE BY OTHERS OF THE INFORMATION THAT YOU DISCLOSE IN PUBLIC POSTING AREAS IN THIS OR ANY OTHER SITE WHERE CARNANCO SHARES INFORMATION.

Compliance

As Carnanco is headquartered in the United States, we generally adhere to laws in the U.S., but do attempt to follow rules to protect the personal information of all of our visitors. Our intention is to always be in compliance with U.S. and international laws concerning data privacy. This Privacy Policy is intended to comply with the General Data Protection Regulation (GDPR) of the European Union, the Childrens Online Privacy Protection Act (COPPA) and the California Consumer Privacy Act (CCPA), as well as any other privacy regulations which may be applicable.

The Sites are not intended for use by persons under the age of 13. Carnanco does not knowingly collect information from visitors under the age of 13 and, in fact, we require that you are at least 18 years old to use the Sites. Should we learn that a person under the age of 13 has provided Us with Personal Information, we will immediately delete such Personal Information.

Security

We implement commercially reasonable security measures to protect your information. When you provide Personal Information such as your name, email, or credit card information, we use third-party products and Sites to secure or store your information. Sensitive information (such as credit card data) is encrypted and transmitted in a secure way. You can verify this by looking for a lock icon in the address bar and/or looking for “https://” at the beginning of the address of the web page. The Personal Information you provide when using the Sites is not stored on our servers or computer systems.

However, due to the open nature of the Internet we cannot guarantee that communication between you and us, and between us and you, will be free from unauthorized access by third parties. No data transmission over the Internet can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of any information you provide. Any information that you provide is done at your own risk.

If we learn of a data security breach we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Sites or providing Personal Information, you agree to receive electronic communications regarding security, privacy, and administrative issues relating to your use of the Sites. We may also post a notice via the Sites if a security breach occurs.

Depending on where you live, you may have a legal right to receive written notice of a data privacy or security breach. If you have reason to believe that your Personal Information has been compromised through use of our Sites, please notify us by e-mailing Cheryl dot Evans at Carnanco.info

Embedded Content From Other Websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

By default, the ThirstyAffiliates plugin collects visitors’ IP addresses every time they click an affiliate link as part of the statistics information. By checking this the IP address collection will be disabled, but other information will still be saved.

On any site owned or operated by Carnanco, it is possible that 3rd party plugin may use tracking cookies but when no cookie is found then the lead’s IP address may be checked. If the IP address isn’t found but the information in the unique link (clicked from an email) locates them in the database, then our 3rd party plugin may re-cookie them with the correct information.

Affiliate Disclosure

Carnanco is an affiliate of many online tools, services, and products. Links on this website may be affiliate links and Carnanco may earn commissions for purchases that are made by visitors to the Site. These are promotional links that can be used to track a visitor’s purchase and credit it to Carnanco. This comes at no additional cost to you and our goal is to provide the very best reviews and recommendations. If you have any questions, please contact us.

Disclaimer

The information provided at this site is intended for informational and educational purposes only. It is not intended, nor should it be construed as, legal, financial, or other professional advice. Should you need legal, financial, or other professional advice, please consult with an appropriate professional. The information contained in this site is provided on an “as is” basis with no guarantees of completeness, accuracy, timeliness or business outcome. Carnanco assumes no responsibility or liability for any errors or omissions in the content of this site. Use of the information provided on this or any site or social media account maintained by Carnanco or it’s affiliated brands is at your own risk and Carnanco cannot be held legally responsible for any use you may choose to make of the content.

Social sharing

This website may offer social sharing features and other integrated tools (such as the Facebook “Like” button), which let you share actions you take on our website with other media services. Your use of these tools enables the sharing of information with the public, depending on the settings you establish with your social networks. For more information about the purpose and scope of data collection with social sharing features, please visit the privacy policies of the entities that provide these tools.

Advertising and Analytics Services Provided by Others

We may allow others to serve advertisements on our behalf across the Internet and to provide analytics services. These entities may use cookies, web beacons, and other technologies to collect information about your use of our website, including your IP address, web browser, pages viewed, time spent on pages, links clicked, and conversion information. This information may be used by Company and others to, among other things, analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on our website and other websites to better understand your online activity.

For more information about interest-based ads, or to opt-out of having your web browsing information used for behavioral advertising purposes by companies that participate in the Digital Advertising Alliance, please visit www.aboutads.info/choices.

Changes to Privacy Policy

Your use of the Sites signifies your assent to this Privacy Policy. If you do not agree to the terms, please do not use the Sites. We reserve the right to amend our Privacy Policy at any time to address new issues of privacy and information security and to reflect changes to our Website or business practices by posting such changes on this page. Each version of this Privacy Policy may be identified by its effective date which is located at the bottom of the page. Your continued use of the Sites following the posting of changes to these terms means you accept the changes.

The contact person at Carnanco for all matters concerning privacy and data protection is:

Privacy Officer

Cheryl dot Evans at Carnanco.info

If you you have concerns or feel that we are not abiding by this Privacy Policy, you should contact us immediately via email to Carnanco.

Last updated on: 02/04/2024

Introduction

This Terms of Use Policy (“Terms of Use”) applies to this website and any other websites, mobile applications, publications and/or online products together with the information, resources, services, products, and tools (“the Services”) owned and/or operated by Carnanco (“Carnanco” “we” “us” “our”) and/or brands operated by Carnanco including but not limited to Cheryl.wtf, Wicked Title Forum and Business Witch Academy. By visiting and accessing the Services we provide, you understand and agree to accept and adhere to the following terms of use as stated in this policy, along with the terms of our Privacy Policy.

Please read this Policy carefully and in its entirety. By using the Services and/or purchasing services, viewing or downloading information, or providing your email in a contact form, you agree to the terms of this Policy.

Responsible Use and Conduct

By utilizing the Services, either directly or indirectly, you agree to use these Services only for the purposes intended as permitted by (a) these Terms of Use, and (b) applicable laws, regulations and generally accepted online practices or guidelines.

You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you, as explained below, and you may incur criminal or civil liability. We may provide various open communication tools on our website, such as blog comments, blog posts, public chat, forums, message boards, newsgroups, product ratings and reviews, various social media services, etc. You understand that generally we do not pre-screen or monitor the content posted by users of these communication tools, which means that if you choose to submit content to our website via these tools, then it is your personal responsibility to use these tools in a responsible and ethical manner.

Prohibited Uses

You may use the Services only for lawful purposes and in accordance with Terms. You agree not to use the Services:

In any way that violates any applicable local, state, federal, or international law or regulation.
For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content or otherwise.
To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter,” “spam,” or any other similar solicitation.
To impersonate or attempt to impersonate Carnanco, a Carnanco employee, another user, or any other person or entity.
In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.
To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Services, or which, as determined by us, may harm or offend Carnanco or users of the Services or expose them to liability.

Additionally, you agree not to:

Use the Services in any manner that could disable, overburden, damage, or impair the Services or interfere with any other party’s use of the Services, including their ability to engage in real time activities through the Services.
Use any robot, spider, or other automatic device, process, or means to access the Services for any purpose, including monitoring or copying any of the material on the Services.
Use any manual process to monitor or copy any of the material on the Services or for any other unauthorized purpose without our prior written consent.
Use any device, software, or routine that interferes with the proper working of the Services.
Introduce any viruses, Trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.
Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Services, the server on which the Services is stored, or any server, computer, or database connected to the Services.
Attack the Services via a denial-of-service attack or a distributed denial-of-service attack.
Take any action that may damage or falsify Carnanco ratings.
Otherwise attempt to interfere with the proper working of the Services.

We have the right at our sole discretion to remove any content that, we feel in our judgment does not comply with these Terms of Use, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any third party copyrights or trademarks. We are not responsible for any delay or failure in removing such content. If you post content that we choose to remove, you hereby consent to such removal, and waive any claim against us.

Right to Monitor and Terminate Use

Although Carnanco has no obligation to monitor any user conduct on the Services, Carnanco reserves the right, and has absolute discretion, to monitor any user conduct on the Services at any time and for any reason without notice.

Carnanco reserves the right, without notice and in its sole discretion, to terminate your ability to use the Services, and to block or prevent your future access to and use of the Services. Any use of the Services in violation of the Terms may result in, among other things, termination or suspension of your rights to use the Services. The Terms remain in effect even if your account is terminated.

User Submissions

Any and all information, including but not limited to feedback, data, questions, comments, suggestions, or ideas that you submit on the Services shall not be deemed confidential, and Carnanco will not have any obligation to keep such information confidential and will be free to reproduce, use, disclose and distribute the information to others without limitation or liability. All such submissions shall be deemed the property of Carnanco, and your submission of information shall constitute an irrevocable assignment to Carnanco of all worldwide rights, titles and interests in and to such information. You agree that your submissions: (a) shall be true, accurate, current, complete and not misleading; (b) shall not violate the rights of any third party, including, but not limited to, intellectual property and proprietary rights; (c) shall not be fraudulent or involve counterfeit or stolen information or items; (d) shall not violate any law, statute, ordinance or regulation; (e) shall not contain libelous or otherwise unlawful, abusive or obscene material, or contain any virus or malware that could in any way affect the operation of the Site; and (f) shall not create any liability for Carnanco.

User Created Hyperlinks to Services

Carnanco grants users a limited, non-exclusive right to create a text hyperlink to the Services for noncommercial purposes, provided such link does not portray Carnanco or any of its products and services in a false, misleading, derogatory or otherwise defamatory manner and provided further that the linking site does not contain any adult or illegal material or any material that is offensive, harassing or otherwise objectionable. This limited right may be revoked at any time. You may not use a Carnanco logo or other proprietary graphic of Carnanco to link to the Services without the express written permission of Carnanco. Further, you may not use, frame or utilize framing techniques to enclose any Carnanco trademark, logo or other proprietary information, including the images found at the Services, the content of any text or the layout/design of any page or form contained on a page on the Services without Carnanco’s express written consent. Except as noted above, you are not conveyed any right or license by implication, estoppel or otherwise in or under any patent, trademark, copyright or proprietary right of Carnanco or any third party.

Carnanco makes no claim or representation regarding, and accepts no responsibility for, the quality, content, nature or reliability of third-party websites linking to the Services. Such sites are not under the ownership or control of Carnanco and Carnanco is not responsible for the contents of, or any review, changes or updates to such sites. Existence of a link to the Services does not imply affiliation, endorsement or adoption by Carnanco of the linking site or any information contained therein.

No Use by Minors

The Services are intended only for access and use by individuals at least eighteen (18) years old. By accessing or using any of the Services, you warrant and represent that you are at least eighteen (18) years of age and with the full authority, right, and capacity to enter into this agreement and abide by all of these Terms of Use. If you are not at least eighteen (18) years old, you are prohibited from both the access and usage of the Services.

Communications

If you voluntarily provide your email in response to an offer or contest, you agree to subscribe to newsletters, marketing or promotional materials and other information we may send. However, you may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or by emailing cheryl dot evans at carnanco.info.

Links to Other Sites

The Services may contain links to third party web sites or services that are not owned or controlled by Carnanco.

Carnanco has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

YOU ACKNOWLEDGE AND AGREE THAT CARNANCO SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGE OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH USE OF OR RELIANCE ON ANY SUCH CONTENT, GOODS OR SERVICES AVAILABLE ON OR THROUGH ANY SUCH THIRD PARTY WEB SITES OR SERVICES.

WE STRONGLY ENCOURAGE YOU TO READ THE TERMS OF USE AND PRIVACY POLICIES OF ANY THIRD PARTY WEB SITES OR SERVICES THAT YOU VISIT.

Indemnification

We do not assume any liability for any content posted by you or any other third party users of our website. You agree to indemnify and hold harmless Carnanco and its directors, officers, managers, employees, agents, affiliates, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of these Terms of Use. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under these Terms of Use. In such event, you shall provide us with such cooperation as is reasonably requested by us.

Privacy

Your privacy is very important to us. We have a separate Privacy Policy which explains in detail how we collect, manage, process, secure, and store your personal information. To read our privacy policy in its entirety,

Disclaimer of Warranties

THESE SERVICES ARE PROVIDED BY Carnanco ON AN “AS IS” AND “AS AVAILABLE” BASIS. Carnanco MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SERVICES, OR THE INFORMATION, CONTENT OR MATERIALS INCLUDED THEREIN. YOU EXPRESSLY AGREE THAT USE OF THESE SERVICES, THEIR CONTENT, AND ANY SERVICES OR ITEMS OBTAINED FROM US IS AT YOUR SOLE RISK.

NEITHER Carnanco NOR ANY PERSON ASSOCIATED WITH Carnanco MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SERVICES. WITHOUT LIMITING THE FOREGOING, NEITHER Carnanco NOR ANYONE ASSOCIATED WITH Carnanco REPRESENTS OR WARRANTS THAT THE SERVICES, THEIR CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE SERVICES OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE SERVICES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

Carnanco HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF RESULTS, OUTCOMES, MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation of Liability

EXCEPT AS PROHIBITED BY LAW, Carnanco AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AND AGENTS WILL NOT BE HELD LIABLE FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOWEVER IT ARISES (INCLUDING ATTORNEYS’ FEES AND ALL RELATED COSTS AND EXPENSES OF LITIGATION AND ARBITRATION), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, INCLUDING WITHOUT LIMITATION ANY CLAIM FOR PERSONAL INJURY OR PROPERTY DAMAGE, ARISING FROM THIS AGREEMENT AND ANY VIOLATION BY YOU OF ANY FEDERAL, STATE, OR LOCAL LAWS, STATUTES, RULES, OR REGULATIONS, EVEN IF Carnanco HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS PROHIBITED BY LAW, IF THERE IS LIABILITY FOUND ON THE PART OF Carnanco, IT WILL BE LIMITED TO THE AMOUNT PAID FOR THE PRODUCTS AND/OR SERVICES, AND UNDER NO CIRCUMSTANCES WILL THERE BE CONSEQUENTIAL OR PUNITIVE DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

No Professional Advice

The information contained in or made available through our sites (including but not limited to information contained on videos, podcasts, comments, webinars, live hangouts, in-person events, throughout our coaching calls—including replays—, in emails, in text files, on social media, or in chats) is informational only and does not constitute financial, legal or medical advice. You should consult a lawyer, accountant, bookkeeper, financial or business advisor in all legal, accounting, monetary or business matters. You alone are responsible and accountable for any consequences arising from your decisions, actions and results in choosing to implement any information contained on the Services, and by your use of the Services, you agree not to hold Carnanco liable for any such decisions, actions or results.

Ownership

All content and materials available on www.carnanco.info, www.cheryl.wtf, www.wickedtitleforum.com, www.businesswitchacademy.com or any other related sites and social media including but not limited to text, graphics, website name, code, images and logos are the intellectual property of Carnanco, and are protected by applicable copyright and trademark law. Unless otherwise specified, the Services are provided for your personal non-commercial use only. No portion of the Services may be used or otherwise exploited for any purpose in any form without the express written permission of Carnanco and, as applicable, its licensors and service providers. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Services without express written permission from Carnanco.

You agree to abide by and not to remove, modify or obscure any copyright or other proprietary rights notices and usage restrictions in connection with the Services, or on any copies or versions thereof. All rights not expressly granted are reserved.

Any content posted by you using any open communication tools on our website, provided that it doesn’t violate or infringe on any third party copyrights or trademarks, becomes the property of Carnanco, and as such, provides us a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as we see fit. This only refers and applies to content posted via open communication tools as described, and does not refer to personal information that is provided in a contact form or order. Such personal information is covered by our privacy policy.

Refund Policy

All Sales are Final. No refunds will be issued once a service has been started and/or completed.

Memberships are non-refundable.

Removal from Communities

Membership of any community platform owned or operated by Carnanco including any membership tier, program or course is contingent upon the respectful use of the platform. Spamming, bullying, trolling, harassing, behavior will not be tolerated. Inciting violence or the promoting or selling of anything illegal will not be tolerated.

Political conversations are prohibited and friendly debate must be civil.

Carnanco reserves the right to remove any user from any platform, community, group or space at any time for any reason without right of refund.

Business Promotion on Community Platforms

Business promotion is only permitted in select locations and/or to select membership tiers. All business promotion must comply with posted rules and timelines. Use of the notify all members functionality may only be used in accordance with posted rules.

Changes to Services

We reserve the right to withdraw or amend the Services, and any service or material we provide via the Services, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Services are unavailable at any time or for any period.

Changes to Terms of Use

We reserve the right to change these Terms of Use from time to time without notice. You acknowledge and agree that it is your responsibility to review these Terms of Use periodically to familiarize yourself with any modifications.

Each version of these Terms of Use may be identified by its effective date which is located at the bottom of the page. Your continued use of the Services following the posting of changes to these terms constitutes your acceptance of the changes.

Governing Law and Jurisdiction

Although Carnanco is headquartered in Perkasie, Pennsylvania, USA, the Services can be accessed by visitors from most countries around the world. As each country has laws that may differ from those of Pennsylvania, by accessing the Services, you agree that Pennsylvania law will govern, without regard to conflicts of law provisions, for all matters relating to the use of the Services.

Furthermore, any action to enforce these Terms of Use shall be brought in the federal or state courts located in Bucks County Pennsylvania, USA. You hereby agree to personal jurisdiction by such courts, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.

Dispute Resolution

By visiting the Services or making a purchase from the Services, you and Carnanco agree that, if there is any controversy, claim, action or dispute arising out of or related to any transaction conducted on the Services, or the breach, enforcement, interpretation, or validity of the Terms or any part of them (collectively, a “Dispute”), both parties shall first try in good faith to settle such Dispute by providing written notice to the other party describing the facts and circumstances of the Dispute and allowing the receiving party thirty (30) days in which to respond to or settle the Dispute.

Notice shall be sent:

To Carnanco at cheryl dot evans at carnanco.info; or
To you at: your last-used billing address.

If the parties cannot settle the Dispute through notice and response, the parties agree to participate in Mediation through Bucks County Mediation and Arbitration Center in Doylestown Pennsylvania.

Both you and Carnanco agree that this dispute resolution procedure is a condition precedent that must be satisfied before initiating any litigation or filing any claim against the other party.

IF ANY DISPUTE CANNOT BE RESOLVED BY THE ABOVE DISPUTE RESOLUTION PROCEDURE, YOU AGREE THAT THE SOLE AND EXCLUSIVE JURISDICTION FOR SUCH DISPUTE WILL BE THE COURTS OF BUCKS COUNTY, PENNSYLVANIA.

Waiver and Severability

No waiver by Carnanco of any term or condition set forth in Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Carnanco to assert a right or provision under Terms shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of Terms will continue in full force and effect.

Acknowledgement

BY USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE AND AGREE TO BE BOUND BY THEM.

Contact Information

If you have any questions or comments about these Terms of Use as outlined above, you can contact us at:

Carnanco

cheryl dot evans at carnanco.info

Last updated on: 02/04/2024

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Disclaimer

Introduction

This Disclaimer applies to this website and any other websites, mobile applications, online products, brands and/or services (“the Sites”) owned and/or operated by Carnanco (“Carnanco” “we” “us” “our”), including but not limited to Cheryl.wtf, Wicked Title Forum and Business Witch Academy.

Please read this Disclaimer carefully and in its entirety. By using the Sites and/or purchasing, viewing, downloading, or providing your email to receive a newsletter, FREE resource, social media or blog posts, courses, OR OTHER Services or materials available on or through the sites, you agree to the terms of this Disclaimer.

The information provided via the Sites is intended for general guidance and educational purposes only. Information has been provided by staff and volunteers of Carnanco as well as guests, co-hosts, speakers, followers, fans and community members. Most are not attorneys, doctors or financial advisors and even those who are, are NOT acting in a legal or professional advisory capacity. Information provided should NOT be considered legal, medical, financial or insurance underwriting advice and is followed at your own risk.

While we strive to ensure the accuracy and reliability of the information presented, it is essential to consult with qualified legal, medical and financial professionals or seek independent professional advice to address specific concerns and ensure compliance with applicable laws and regulations. Every user should consider their unique circumstances, local jurisdiction requirements, and consult with their paid and retained professionals to develop and implement comprehensive policies and procedures that align with their specific needs and obligations.

By using the information provided, you acknowledge that the owners, staff, and any other affiliated person with Carnanco and its Sites are not liable for any direct, indirect, incidental, or consequential damages or losses that may arise from the use or reliance on the information contained herein. The responsibility for implementing appropriate measures to protect against risk and liability rests solely with the users of this information and their management team.

Please consult with the proper professionals and other relevant experts to obtain advice tailored to your specific circumstances.

Content License Agreement

Introduction

This Content License Agreement (“Content License”) applies to this website and any other websites, mobile applications, online products, brands and/or services (“the Sites”) owned and/or operated by Carnanco (“Carnanco” “we” “us” “our”), including but not limited to Cheryl.wtf, Wicked Title Forum and Business Witch Academy.

By visiting and accessing the Services we provide, you (“Licensor”) understand and agree to accept and adhere to the following terms of use as stated in this policy, along with the terms of our Terms of Use and Privacy Policy. Excepting in the case where a separate, private, content license agreement has been put in place and executed by all involved parties.

Please read this AGREEMENT carefully and in its entirety. By using the Services and/or purchasing services, viewing or downloading information, or providing your email in a contact form, you agree to the terms of this Policy.

License

By utilizing the Services, either directly or indirectly, you hereby grant Carnanco a non-exclusive, non-transferable, unlimited license to use any and all content provided to Carnanco, including but not limited to articles, guest blog posts, comments, forum posts, images, logos, videos and photos (“Work”) to reproduce, modify, display, transmit, distribute and sell the Licensed Content on the Licensed Site(s) and Related Media as well as digital and/or print outlets not owned or operated by Carnanco for the purposes of sharing, promoting and marketing said sites and content for the benefit of Licensee and Licensor.

Terms and Conditions

Reservation of Rights.

Neither this Agreement nor the licenses granted hereunder convey any ownership right in any of the Licensed Content, Licensor's Marks or other materials provided by or on behalf of Licensor under this Agreement. Except for the express licenses granted in this Agreement, all right, title and interest in and to the Licensed Content and Licensor's Marks are and will remain with Licensor and its licensors.

Delays or Failures

Licensor is not liable for delays or failures of delivery beyond its reasonable control. Licensor's sole responsibility for any such delay or failure is to deliver or re-deliver the relevant Licensed Content as soon as reasonably possible, in its sole discretion. Licensor is not obligated to use, distribute or retain any content provided unless subject to any other agreement entered into between the parties separately from this License.

Usage Limitation

Licensee shall not display, and shall not permit others to display, on the Licensee Site any images or content that is or could be reasonably construed to be offensive, pornographic, defamatory or libelous, infringing the intellectual property rights of any third party, promoting terrorism or other unlawful violence, or for any other purpose that violates applicable Law.

Removal

If Licensor instructs Licensee to delete or make inaccessible any Content Item because such Content Item may contain errors, is or could be subject to a third-party claim or for any other good faith reason, Licensee shall comply with such instruction as promptly as reasonably possible. The License Term for each such Content Item terminates at removal.

Trademark License

(a) Licensor grants to Licensee a limited, non-exclusive, non-transferable and non-sublicensable royalty-free license during the Term to those of Licensor's Marks designated by Licensor from time to time to:

a.display such Marks on the Licensee Site(s): (x) with the Licensed Content to provide source attribution; or (y) as links to the Licensed Content;

b.comply with its express obligations under this Agreement; and

c.advertise, market and promote the availability of the Licensed Content or the Licensee Site and identify the Licensor as a content provider;

(b) Licensee shall use the Marks solely in accordance with Licensor's trademark usage guidelines and quality control standards as the same may be updated from time to time by Licensor. If Licensor notifies Licensee that any use does not so comply, Licensee shall as soon as reasonable possible either remedy the use to the satisfaction of Licensor or terminate such use. Licensee shall not use, register or attempt to register in any jurisdiction any Mark that is confusingly similar to or incorporates any of the Licensor's Marks. All uses of the Licensor's Marks, and all goodwill associated therewith, shall inure solely to the benefit of Licensor.

Confidential Information

Both parties agree that trade secrets and proprietary information are confidential. The Licensee shall protect all confidential information of the Licensor against unauthorized uses and parties. Should the Licensee disclose this information, it will do so using the same degree of care as the Licensee uses to respect its confidential information.

Relationship

Both parties agree that each will act as independent companies and that no stipulation in this Agreement is construed to create partnership, joint venture, principal and agent, or employer and employee relationship between them.

Termination

This Agreement shall stay in force in perpetuity unless the Licensor terminates this Agreement due to the Licensee’s breach of this Agreement’s provisions or Licensor makes written request for the removal of said content. Once terminated, the Licensor shall allow the Licensee to continue working on projects using the Work that were started before the termination.

Indemnification

Licensor shall indemnify, defend and hold harmless Licensee against all Losses arising out of or resulting from any claim, suit, action or proceeding (each, an "Action") by an unaffiliated third party related to or arising out of a claim that the Licensed Content or Licensor's Marks, or Licensee's use thereof solely in compliance with this Agreement, infringes a copyright or trademark right of any third party. The foregoing obligation shall not apply to Losses for which Licensee is required to indemnify Licensor as stated below.

Licensee shall indemnify, defend and hold harmless Licensor against all Losses arising out of or resulting from:

(a) Licensee's use of the Licensed Content and/or Licensor's Marks in a manner not permitted by this Agreement (including Licensee's continued use of any Content Item or any of Licensor's Marks after Licensor has directed Licensee to cease using any such Content or Marks; or

The indemnified party shall promptly notify the indemnifying party in writing of any Action and cooperate with the indemnifying party at the indemnifying party's sole cost and expense. The indemnifying party shall not settle any Action in a manner that adversely affects the rights of the indemnified party without the indemnified party's prior written consent, which shall not be unreasonably withheld or delayed. The indemnified party may retain counsel of its choice to observe the proceedings at its own cost and expense.

Limitations of Liability

No Consequential or Indirect Damages

NEITHER PARTY SHALL BE LIABLE UNDER OR IN CONNECTION WITH THIS AGREEMENT FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, LIQUIDATED, SPECIAL OR EXEMPLARY DAMAGES OR PENALTIES, INCLUDING WITHOUT LIMITATION, LOSSES OF BUSINESS, REVENUE OR ANTICIPATED PROFITS, REGARDLESS OF WHETHER SUCH DAMAGE WAS FORESEEABLE AND WHETHER LICENSOR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Cap on Monetary Damages

EACH PARTY’S LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT WILL NOT EXCEED AN AMOUNT EQUAL TO THE AGGREGATE AMOUNTS PAID OR PAYABLE TO LICENSOR IN THE TWELVE (12) MONTHS PRECEDING THE COMMENCEMENT OF THE CLAIM.

Exceptions

The provisions of this section will not apply to limit the Licensee’s indemnification obligations under the Indemnification clause, or in the case of Licensee’s gross negligence or willful misconduct.

Governing Law and Jurisdiction

Dispute Resolution

By visiting the Services or making a purchase from the Services, you and Carnanco agree that, if there is any controversy, claim, action or dispute arising out of or related to any transaction conducted on the Services, or the breach, enforcement, interpretation, or validity of the Terms or any part of them (collectively, a "Dispute"), both parties shall first try in good faith to settle such Dispute by providing written notice to the other party describing the facts and circumstances of the Dispute and allowing the receiving party thirty (30) days in which to respond to or settle the Dispute.

Notice shall be sent:

To Carnanco at cheryl dot evans at carnanco.info; or
To you at: your last-used billing address.

If the parties cannot settle the Dispute through notice and response, the parties agree to participate in Mediation through Bucks County Mediation and Arbitration Center in Doylestown Pennsylvania.

Both you and Carnanco agree that this dispute resolution procedure is a condition precedent that must be satisfied before initiating any litigation or filing any claim against the other party.

IF ANY DISPUTE CANNOT BE RESOLVED BY THE ABOVE DISPUTE RESOLUTION PROCEDURE, YOU AGREE THAT THE SOLE AND EXCLUSIVE JURISDICTION FOR SUCH DISPUTE WILL BE THE COURTS OF BUCKS COUNTY, PENNSYLVANIA.

Waiver and Severability

No waiver by Carnanco of any term or condition set forth herein shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Carnanco to assert a right or provision under Terms shall not constitute a waiver of such right or provision.

If any provision of this agreement is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions will continue in full force and effect.

Acknowledgement

BY USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS LICENSING AGREEMENT AND AGREE TO BE BOUND BY THEM.

Contact Information

If you have any questions or comments about this agreement as outlined above, you can contact us at:

Carnanco

cheryl dot evans at carnanco.info

Last updated on: 09/24/2022

Working with neurodivergent individuals

Introduction

Some of the professionals employed or contracted (“consultants”) by Carnanco (“Carnanco” “we” “us” “our”), including but not limited to Cheryl.wtf, Wicked Title Forum and Business Witch Academy, are neurodivergent professionals.

Defining Neurodiversity

“Neurodiversity is “the idea that people experience and interact with the world around them in many different ways; there is no one ‘right’ way of thinking, learning and behaving, and differences are not viewed as deficits,” according to Harvard Health.” (Forbes)

Neurodivergent is defined as differing in mental or neurological function from what is considered typical or normal (“neurotypical”). Neurodivergent is a non-medical umbrella term that describes people with variation in the way their brain processes information and can include conditions such as autism spectrum disorder (ASD) or other neurological or developmental conditions such as attention-deficit/hyperactivity disorder (ADHD).

Neurodivergence is a concept originally attributed to the 1990s sociologist Judy Singer, who explains that neurodiversity challenges us to look outside the box at how we present, obtain, and process information. By embracing neurodiversity and differences, rather than categorizing it as problematic, it presents further opportunities for growth and advancement.

Understanding and Working with Neurodivergent Individuals

Adult Autism and ADHD in women is quite misunderstood and can be triggering. Some of our consultants and educators have autism, adhd or both. The combination of these conditions creates a very unconventional presentation, canceling out some commonly expected traits and producing other less common traits.

Very direct communication style (no sugar coating, little social small talk), Low impulse control, strict rules (inflexibility) and misreading social cues (lack of empathy) are common traits. Aside from the natural inclinations of our consultants, they will communicate in this way to avoid miscommunication and for the sake of speed and efficiency.

While our consultants have worked hard to moderate these tendencies to make others feel more comfortable, we understand that clear, specific feedback and constructive criticism, as well as written communications that are short and get straight to the point, occasionally make people feel uncomfortable or fear they have made a consultant mad.

On the whole, this communication style maximizes value for our clients, generates excellent written training materials, and when understood in context, is generally well received. However, if at any time a consultant says something that makes you uncomfortable, or you are unsure if you should assign a tone or emotional connotation, please contact the consultant directly, or another representative of Carnanco to discuss. We are very open to these sorts of conversations and feedback and will adjust as best as we can. Everyone at Carnanco would much rather talk through a problem and come to a resolution then to allow feelings to fester unaddressed and escape our awareness.

Our entire goal here is to help you, not hurt you.

Working Methods and Rules

Meeting Cancellation Policy

Consultant’s time is of the essence and must be used carefully to ensure maximum benefit to Client. Client must show up to all scheduled 1-on-1 meetings on time. Tardiness of more than 10 mins will be considered a “no show”. Clients who show up late to a group call or workshop may be denied admittance, especially if maximum capacity has been reached.

Client must provide Consultant with at least 24 hours notice to cancel or reschedule any 1-on-1 meeting. Inadequate notice or tardiness could be cause for expulsion from the program.

Meeting cancellation policy does not apply to group coaching calls.

Support Services

It is important to understand that Carnanco and their consultants do not provide on-demand support. Meaning that all live calls whether group or 1-on-1 will be scheduled in advance and other electronic communications through any medium will be responded to as time and mental health allows. Pre-scheduled calls are subject to change from time to time at the discretion of the consultant. As much advanced notice as possible will be provided.

Part of the services provided may, from time to time, involve business assessments and creating educational material, action plans or learning journeys outside of the live environment. Time spent researching, prepping, communicating and planning outside of meetings are part of the value provided within this program.

Be Efficient to Maximize Results

1-on-1: Client is expected to show up for 1-on-1 meetings prepared with an agenda and/or questions and concerns as well as all completed work so large quantities of information and can be covered in a short amount of time.

Group Calls: For Group Coaching calls, it is important to be respectful of the time of all participants. Client is not expected to create an agenda but is expected to have questions prepared in advance so they can be clearly and efficiently stated. Some group coaching calls will be open Q&A where client can bring up any topic they wish. Others group calls will center around a specific topic. In this situation, it is important to stay on topic with those calls. Consider communicating like you would with a doctor or an attorney. This will allow you and all other clients in the program get the maximum value from all interactions.

Communications

Consultants with ADHD often produce prolific work product during periods of hyper focus and take longer to re-focus after being interrupted. In order to maximize their productivity and manage running multiple projects for multiple clients concurrently, it is important to understand:

Consultant does not provide emergency on-demand support.
If you call without scheduling, Consultant will probably not answer and may or may not check voicemail.
The preferred method of communications outside of scheduled meetings is email or via the online community platform which might be a member of. Consultant responds to messages as time allows.
The best way to talk with Consultant via phone or Zoom is to attend the group coaching calls. If your contract allows for 1-on-1 consulting, then please use the scheduling link to schedule a call – whether it is a quick 15mins or a full hour.
If you have an unusual, urgent need, the fastest method to reach Consultant is via text message.

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