The following terms (“Terms of Use”) constitute an agreement between Hall and Rowe Media, LLC (“Hall and Row”), and you that governs your use of this website and all of its associated services, content, and functionality. This policy applies to the websites administered by Hall and Rowe (the “Websites”), located at https://investingtothrive.com/ and https://www.workingtolive.com/. All references to the Websites shall also include the Products.

Your use of the Websites constitutes your acceptance of, and agreement to, the following Terms of Use. Hall and Rowe reserves the right to modify, alter, amend or update its Website, policies and these Terms of Use. These Terms of Use are subject to change without notice. If you do not agree with or do not accept any part of these Terms of Use, you must not use the Websites.

PURCHASE POLICIES

You may purchase certain templates, worksheets, e-books, and courses (the “Products”) through the Websites. All Products are delivered in electronic format and must be paid for at the time of purchase.

Purchase Policy for Courses

The Courses are provided through downloadable content and video content that are hosted by Hall and Rowe via Teachable at https://hallandrowemedia.teachable.com/ and https://working-to-live-differently.teachable.com/.

Refund Policy

Hall and Rowe offers a 30-day money back guarantee for all Courses. No refunds will be any other Product.

Intellectual Property

All original materials provided by Hall and Rowe as part of the Products are owned by Hall and Rowe. Any original materials are provided for Your individual use only. You are not authorized to use or transfer any of Hall and Rowe’s intellectual property. All intellectual property remains the property of Hall and Rowe. No license to sell, distribute, reproduce, prepare a derivative work, display or perform is granted or implied. Hall and Rowe will be entitled to injunctive relief to prohibit any such violations to protect against the harm of such violations.

Certain of the names, logos, and other materials displayed in the Products constitute Hall and Rowe’s intellectual property, including, but not limited to, patents, trademarks, service marks, trade secrets and copyrights (“Hall and Rowe IP”). You are not authorized to use any Hall and Rowe IP without Hall and Rowe’s express consent. Ownership of Hall and Rowe IP remains with Hall and Rowe and You agree not to make any claims or assertions of any other party’s ownership of Hall and Rowe IP.

Investing to Thrive is a trademark of Hall and Rowe and is protected by United States trademark law. Hall and Rowe’s trademarks and trade dress may not be used in connection with any product or service that is not Hall and Rowe’s, in any manner likely to cause confusion among consumers or in any manner that disparages or discredits Hall and Rowe.

Equitable Relief

You acknowledge and agree that in the event of certain breaches of the Terms of Service, Hall and Rowe may suffer irreparable injury, such that no remedy at law will afford it adequate protection against, or appropriate compensation for, such injury. Accordingly, You agree that Hall and Rowe shall be entitled to any injunctive relief, without having to post a bond, as may be granted by a court of competent jurisdiction.

Registration & Restricted Access

Access to the Products is restricted to purchasers of the Products. When You register, You will create a user profile, which may include a username and password. You agree to keep Your username and password confidential. You may not share your username and password with anyone, for any reason, without express written consent by Hall and Rowe. If You suspect Your password has been compromised, You must notify Hall and Rowe immediately at [email protected]. Hall and Rowe will not be liable for any loss caused by the unauthorized use of Your account; however, You may be liable to Hall and Rowe or other third parties for any losses incurred due to such unauthorized use.

Hall and Rowe may disable Your username and password at its sole discretion.

Hall and Rowe reserves the right to modify methods for registration and access levels of registered users from time to time.

LICENSE FOR USE OF PRODUCTS

All Products available for sale on the Websites were developed solely for your personal use and may not be reproduced for publication or for the personal or commercial use of others without permission.

AFFILIATE MARKETING

From time to time, the Websites may engage in affiliate marketing. This means that if you use an affiliate link to make a purchase, the Websites will receive a commission on that purchase. All efforts are made to ensure that affiliate links are disclosed in accordance with the FTC.

FTC DISCLOSURE

From time to time, the Websites may post sponsored content from an advertiser. This means that an advertiser, which may be a brand, agency, or influencer network, will contract with Hall and Rowe to create content featuring certain messages or product placement. Pursuant to the FTC’s requirements, all such advertisements on the Websites are clearly and conspicuously disclosed.

Even though compensation (cash, free product, services) is received for in exchange for this sponsored content placement, Hall and Rowe gives its honest opinion, findings, beliefs, or experiences in such content. All views expressed on the Websites are those of the content creator. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider, or party in question.

GENERAL DISCLAIMER

Hall and Rowe has made every effort to ensure that all information on the Websites have been tested for accuracy. Hall and Rowe makes no guarantees regarding the results that you will see from using the information provided on the Websites.

Hall and Rowe disclaims liability for incidental or consequential damages and assumes no responsibility or liability for any loss or damage suffered by any person as a result of use of the information provided on the Websites. Hall and Rowe assumes or undertakes no liability for any loss or damage suffered as a result of the use of any information found on the Websites.

FINANCIAL INFORMATION DISCLAIMER

From time to time, the Websites may discuss topics related to finance. This information is not advice and should not be treated as financial advice. The financial information provided on the Websites are provided “as is” without any representations or warranties, express or implied. Hall and Rowe makes no representations or warranties in relation to the financial information on the Websites.

You must not rely on the information on the Websites as an alternative to advice from a certified public accountant or licensed financial planner. There is no accountant-client relationship created from the publication of financial information on the Websites. You should never delay seeking financial advice, disregard financial advice, or discontinue professional financial services as a result of any information provided on the Websites.

YOUR RESPONSIBILITY

The Websites were developed strictly for informational purposes. You understand and agree that you are fully responsible for your use of the information provided on the Websites. Hall and Rowe makes no representations, warranties or guarantees. You understand that results may vary from person to person. Hall and Rowe assumes no responsibility for errors or omissions that may appear in the Websites.

USE OF THE WEBSITES

Unless otherwise stated, Hall and Rowe owns the intellectual property and rights to all content and material on the Websites. Subject to the license below, all intellectual property rights are reserved.

You may view, download (for caching purposes only), and print pages for your personal use, subject to the restrictions set out below and elsewhere in these Terms of Use.

The following uses are not permitted:

• Republication of content from the Websites, unless content is specifically and expressly made available for republication;
• Sale, rental or sub-license of any content from the Websites;
• Reproduction or duplication of any content on the Websites for commercial purposes;
• Modification of any content on the Websites, unless content is specifically and expressly made available for modification;
• Redistribution of content of the Websites, unless content is specifically and expressly made available for redistribution. Users are permitted to share content on social media channels, as long as a link to the Websites are included.

From time to time, the Websites will utilize various plugins or widgets to allow sharing of content via social media channels, email or other methods. Use of these plugins or widgets does not constitute any waiver of Hall and Rowe’s intellectual property rights. Such use is a limited license to republish the content on the approved social media channels, with full credit to Hall and Rowe.

You must not use the Websites in a way that causes, or may cause, damage to the Websites or impairs the availability of access to the Websites. You must not decompile, reverse engineer, disassemble or otherwise reduce the Websites, except to the extent that such activity is expressly permitted by applicable law. You must not use the Websites to copy, store, host, transmit, send, use, publish or distribute any material that consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit and/or other harmful code or malicious software.

You must not conduct any systematic or automated data collection activities, including, but not limited to scraping, data mining, data extraction or data harvesting on or in relation to the Websites without Hall and Rowe’s express written permission.

You must not use the Websites to transmit or send any unsolicited commercial communications.

You must not use the Websites for any third-party marketing without Hall and Rowe’s express written permission.

COPYRIGHT

Unless otherwise noted, the design, content and all components of the Websites are copyrights owned by Hall and Rowe or third parties and are protected by United States and international copyright laws and should not be reused or republished without express written permission.

TRADEMARKS

Hall and Rowe’s trademarks and trade dress may not be used in connection with any product or service that is not Hall and Rowe’s, in any manner likely to cause confusion among consumers, or in any manner that disparages or discredits Hall and Rowe, Investing to Thrive, https://investingtothrive.com/, Working to Live Differently, https://www.workingtolive.com/ or the experts featured on the Websites.

From time to time, the Websites will legally utilize trademarks owned by third parties related to Hall and Rowe’s services. These trademarks are the respective property of their owners.

GRANT OF RIGHTS

You grant Hall and Rowe a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute any content you contribute to the Websites. This includes, but is not limited to, text, images, audio material, comments, video material and audio-visual material. This license extends to all known and future media. You also grant Hall and Rowe the right to sub-license these rights and the right to bring an action for infringement of these rights.

CONTENT CONTRIBUTED TO THE WEBSITES
Any content you contribute to the Websites, including, but not limited to text, images, audio material, comments, video material and audio-visual material, must not be illegal or unlawful, may not infringe on any third-party’s legal rights, and must not be capable of giving rise to legal action whether against you or Hall and Rowe or a third party.

Hall and Rowe reserves the right to edit or remove: (i) any material submitted to the Websites; (ii) stored on Hall and Rowe’s servers; or, (iii) hosted or published on the Websites. Hall and Rowe takes no responsibility and assumes no liability for any content posted by you or any third party.

Notwithstanding Hall and Rowe’s rights under the Terms of Use, Hall and Rowe does not undertake to monitor the submission of all content to, or the publication of such content on, the Websites.

COMMENT POLICY

The Websites offers the option for you to leave comments, engaging with the Websites’ posts. The following types of comments will not be tolerated and will be deleted:

• harassment directed toward any content creator or Hall and Rowe;
• spam;
• hate speech;
• defamatory to Hall and Rowe or any third party;
• reference illegal acts; or,
• violate the legal rights of a third party.

Hall and Rowe’s sole discretion will be used to determine if a comment is in violation of this comment policy. Any comments in violation will be promptly deleted and no further explanation will be due to you if your comment was determined to be in violation with this policy.

TAKEDOWN REQUESTS

From time to time, the Websites will publish posts with images from other third-party websites. Any such use is intended considered fair use under copyright laws and is fully attributed to the owner, if required.

COMMUNICATION

If you send Hall and Rowe an email, register to use the Websites or provide your email to Hall and Rowe in any other way, you consent to receive communications from Hall and Rowe electronically. You agree that all legal notices provided via electronic means from Hall and Rowe satisfy any requirement for written notice.

THIRD PARTIES

The Websites may contain links to third-party websites that are not governed or controlled by Hall and Rowe. You represent and warrant that you have read and agree to be bound by all applicable Terms of Use and policies for any third-party website that relates to your use of the Websites. Hall and Rowe assumes no control or liability over the content of any third-party sites. You expressly hold harmless Hall and Rowe from any and all liability related to your use of a third-party website.

Prior to engaging in any events or commercial transactions with any third parties discovered through or linked on the Websites, you must complete any necessary investigation or due diligence. If there is a dispute for any events or commercial transactions with a third party discovered through or linked on the Websites, you expressly hold Hall and Rowe harmless from any and all liability in any dispute.

NO WARRANTIES

The Websites are provided on an “as is” and “as available” basis without any representations or warranties, expressed or implied. Hall and Rowe makes no representations or warranties in relation to the Websites, or the information and materials provided therein.

Hall and Rowe makes no warranty the Websites will meet your requirements; will be available uninterrupted; timely and free of viruses or bugs; or represents the full functionality, accuracy, and reliability of the Websites. Hall and Rowe is not responsible to you for the loss of any content or material uploaded or transmitted through the Websites. The Websites are written in English and makes no warranty regarding translation or interpretation of content in any language.

LIMITATION OF LIABILITY

TO THE EXTENT ALLOWABLE BY LAW, HALL AND ROWE WILL NOT BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, PUNITIVE OR SPECIAL DAMAGES OF ANY KIND, HOWEVER CAUSED, INCLUDING LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU, WHETHER UNDER THEORY OF CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY OR OTHERWISE, EVEN IF THE OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

INDEMNITY

You agree to defend, indemnify and hold Hall and Rowe, its members, employees, officers, directors, managers and agents harmless from and against any and all losses, claims, suits, actions, liabilities, obligations, costs and expenses (including reasonable attorneys’ fees and expenses) which Hall and Rowe suffers as a result of third-party claims based on: (i) your negligence or intentional misconduct, (ii) your breach of any provision of the Terms of Use (including representation or warranty); (iii) materials prepared or provided by you including, but not limited to, any claims of infringement, or misappropriation of copyright, trademark, patent, trade secret, or other intellectual property or proprietary right, infringement of the rights of privacy or publicity, or defamation or libel; or (iv) death, personal injury, or property damage arising out of, or relating to, your obligations hereunder.

ARBITRATION

The Terms of Use will be governed and construed in accordance with the laws of the North Carolina. Any controversy or claim arising out of or relating to the Terms of Use, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The place of any such arbitration shall be in Winston Salem, North Carolina. The parties also agree that the AAA Optional Rules for Emergency Measures of Protection shall apply to the proceedings.

MISCELLANEOUS PROVISIONS

If any provision(s) of the Terms of Use is held to be invalid, illegal or unenforceable, the remaining provisions shall be severable and enforceable. If a provision is excessively broad, such a provision shall be limited or reduced in scope so as to be enforceable.

The Terms of Use may not be assigned by you without Hall and Rowe’s prior written consent, however, the Terms of Use may be assigned by Hall and Rowe in its sole discretion.

The Terms of Use are the final, complete and exclusive agreement of the parties with respect to the Websites offered by Hall and Rowe.

All notices with respect to the Terms of Use must be in writing and may be made via email to [email protected] for Hall and Rowe and to your email address.

Last updated: September 17, 2019.