Legal Disclaimer

Effective date: February 14, 2023

 

Please read carefully before participating in this life coaching master class.

By enrolling in our coaching course or participating in related activities, you agree and
acknowledge that you are bound by the terms and conditions outlined in this legal
disclaimer, even if you do not read or see it. We want to make it clear that your enrollment
and participation constitute your agreement to be bound by these terms and conditions,
and that Destiny by Design assumes no responsibility for any losses, damages, or injuries
that may occur as a result of your failure to read or understand this legal disclaimer. It is
your responsibility to read and understand the terms and conditions outlined in this legal
disclaimer before enrolling in our coaching course or participating in related activities. If
you do not agree to be bound by these terms and conditions, please do not enroll or
participate:

  1. By enrolling in our coaching course, we want to emphasize that the content, views
    expressed, thoughts, opinions, oral or written, advice given, information, strategies,
    and services provided are for educational and informational purposes only. The
    coaching course does not guarantee any specific results or outcomes. Individual
    results may vary and are dependent on a variety of factors. In no event shall Erika
    Walton, or business entity, Destiny by Design be liable for any direct, indirect,
    incidental, special, or consequential damages arising out of or in connection with the
    coaching course or any information provided therein. We want to make it clear that
    Erika Walton, or business entity, Destiny by Design assumes no responsibility for any
    views or opinions expressed in our coaching course. The information presented is not
    intended to be a substitute for professional advice, diagnosis, or treatment, and should
    not be used as such.
  2. You are solely responsible for all financial costs associated with your enrollment in
    our coaching course or participation in any related activities. This includes any fees,
    expenses, or charges that may arise from your use of our services or materials.
  3. We make no representations or warranties of any kind, express or implied, about the
    completeness, accuracy, reliability, suitability, or availability with respect to the
    content or services provided. 
  4. You understand and agree that the coach, Erika Walton, or business entity, Destiny by
    Design, are not bound by any implied promises, make no promises, no guarantee,
    regarding the outcome of using any products or services in the event of failures or
    defects in any or all forms.
  5. By enrolling in this coaching course, you agree that you are solely responsible for
    your own decisions, actions, choices, and results in life, and you agree to take full
    responsibility for any and all decisions you make in connection with Erika Walton, or
    business entity, the Destiny by Design program.
  6. You understand that the coach, Erika Walton, or business entity, Destiny by Design is
    not a licensed therapist or counselor, nor does Erika Walton claim to be, and that the
    program is not therapy or counseling.
  7. You understand that the coach, Erika Walton, or business entity, Destiny by Design
    will not diagnose or treat any mental or physical health conditions, nor does Erika
    Walton claim to be, and that you should seek the advice of a licensed healthcare
    professional for any medical or mental health concerns.
  8. You understand and agree that the coach, Erika Walton, or business entity, Destiny by
    Design is not liable for any losses, injuries, and damages resulting from your use of
    the information, services provided, or participation in the Destiny by Design program,
    including but not limited to, direct, indirect, incidental, consequential, or punitive
    damages.
  9. It is important that you use your own judgment and consult with a qualified
    professional before making any decisions or taking any and all actions based on the
    information or services provided in this course.
  10. You understand and agree that you will not take legal action against Erika Walton, or
    business entity, Destiny by Design and any associated parties as a result of your
    participation in the program.
  11. In the event of any dispute, upset, injury, or disagreement arising from your
    enrollment in our coaching course or participation in any related activities, we first
    require the use of mediation or other non-litigious means of dispute resolution. We
    want to make it clear that Erika Walton, or business entity, Destiny by Design,
    assumes no responsibility for any such disputes or disagreements and any decisions or
    actions you take in resolving them are entirely at your own risk. You are solely
    responsible for all financial costs pertaining to legal disputes that may arise from yourenrollment in our coaching course or participation in related activities. This includes
    any fees, expenses, or charges related to legal proceedings or other dispute resolution
    processes.
  12. Please note that we reserve the right to modify, update, or remove any part of the
    content or services provided in this course without prior notice. We also reserve the
    right to refuse or terminate enrollment at our discretion.
  13. Destiny by Design and the coach Erika Walton, offers recreational activities as part of
    its coaching course, but please be aware that participation in these activities is entirely
    at your own risk, that you are responsible for your own safety and well-being. . We
    want to make it clear, you also agree to release the business Destiny by Design and
    the coach Erika Walton from any liability for any injuries or damage to property that
    may arise as a result of your participation in these activities. We assume no liability
    for any injuries or damage to yourself and property that may occur during these
    activities, whether you are a member, guest, or participant.
  14. Testimonials and affiliate links provided in our coaching course are for informational
    purposes only and should not be considered as a guarantee or endorsement of any
    particular product or service. We want to make it clear that Destiny by Design and
    coach Erika Walton assumes no responsibility for any losses, damages, or injuries that
    may occur as a result of your use or reliance on any testimonials or affiliate links
    provided.
  15. You understand and agree that views expressed, thoughts, opinions, oral or written
    testimonials results shared are not guaranteed. The testimonials provided in this
    website is ‘as is’ with no guarantee of accuracy or completeness. Past performance
    doesn’t indicate future results. Results may vary and are not guaranteed. Nothing is
    guaranteed in Life or in the Destiny by Design master class.
  16. You understand and agree that affiliate links may be shared, and Destiny by Design
    master class, and coach Erika Walton may or may not receive commission from sales.
    These links are shared for your benefit irregardless and you are solely responsible for
    your own decisions, choices, actions, and results in life, and you agree to take full
    responsibility for any and all decisions you make in connection with the Destiny by
    Design master class. All recreational and activities undertaken are at your own risk,
    you expressly agree and acknowledge that your use of any and all services or
    purchases are at sole risk.
  17. We make every effort to ensure the accuracy of the information provided, but we
    cannot guarantee that errors or omissions may not occur. We assume no
    responsibility for any errors or omissions in the content or services provided in our
    coaching course.
  18. Past performance is not indicative of future results. Any information or claims about
    past performance or results in our coaching course should not be considered as a
    guarantee of future performance or results.
  19. You understand and agree that the coach, Erika Walton, and business members from
    the Destiny by Design reserves the right to terminate your participation in the
    program at any time, with or without cause or notice.
  20. You understand and agree that the coach, Erika Walton, may change or update this
    disclaimer at any time and that you will be bound by any such changes or updates.
  21. You agree that the Destiny by Design master class/coaching and Site itself, as well as
    all content, videos, training materials, products, services and/or other materials, made
    available on the Site by us or other third parties, as well as the look and feel of all of
    the foregoing, (collectively referred to as the “Content”) are maintained for your
    personal use and information by Erika Walton, or business entity, Destiny by Design,
    any associated parties, (the “Company”) and are the property of the Company and/or
    its third party providers. You agree that such Company Content shall include all
    proprietary videos, HTML/CSS, Javascript, graphics, voice, and sound recordings,
    artwork, photos, documents, and text as well as all other materials included in the
    Site, excluding only the materials you provide. Subject to your compliance with these
    Terms of Use, the Company hereby grants you a limited license, which is
    non-exclusive, non-transferable, and non-sublicensable, to access, view, and use the
    Site solely for your personal purposes. No Company Content may be copied,
    reproduced, republished, uploaded, posted, transmitted, distributed, used for public
    or commercial purposes, or downloaded in any way unless written permission is
    expressly granted by the Company. Modification of the Content or use of the Content
    for any other purpose is a violation of the copyright and other proprietary rights of
    the Company, as well as other authors who created the materials, and may be subject
    to monetary damages and penalties. You may not distribute, modify, transmit or use
    the content of the Site or any Content, including any and all software, tools, graphics
    and/or sound files, for public or commercial purposes without the express written
    permission of the Company.
    1. All Content, such as text, data, graphics files, videos and sound files, and other
      materials contained in the Site, are copyrighted unless otherwise noted and are
      the property of the Company and/or a supplier to the Company. No such
      materials may be used except as provided in these Terms of Use.
    2. All material appearing on the Destiny by Design master class, email, video,
      templates, pdf., and website (“content”) is protected by copyright under U.S.
      Copyright laws and is the property of Destiny by Design master class or the
      party credited as the provider of the content.
    3. You may not copy, share, reproduce, distribute, publish, display, perform,
      modify, create derivative works, transmit, or in any way exploit any such
      content, nor may you distribute any part of this content over any network,
      including a local area network, sell or offer it for sale, or use such content to
      construct any kind of database. You may not alter or remove any copyright or
      other notice from copies of the content on Destiny by Design master class,
      email, video, templates, pdf., and website. Copying or storing any content
      except as provided above is expressly prohibited without prior written
      permission of Destiny by Design master class the copyright holder identified in
      the individual content’s copyright notice. For permission to use the content on
      this website, please contact Destiny by Design.
    4. Intellectual property: We want to emphasize that all materials provided to you
      during our coaching course, including but not limited to, course content,
      videos, handouts, worksheets, pdf., and any other verbal, written or visual
      materials, are protected by intellectual property laws and are the sole property
      of Erika Walton and the business Destiny by Design. By enrolling in our
      coaching course/master class, you agree that you will not copy, reproduce,
      distribute, or share any of these materials without our prior written consent.
      You understand that any unauthorized use or distribution of these materials
      may result in legal action. Additionally, any strategies, techniques, or
      information shared during the coaching course are confidential and proprietary
      to Erika Walton and the business Destiny by Design. You agree to maintain the
      confidentiality of all such information and not to disclose it to any third party
      without our prior written consent.
    5. All trade names, trademarks, and images and biographical information of
      people used in the Company Content and contained in the Site are either the
      property of, or used with permission by, the Company. The use of Content by
      you is strictly prohibited unless specifically permitted by these Terms of Use.Any unauthorized use of Content may violate the copyright, trademark, and
      other proprietary rights of the Company and/or third parties, as well as the laws
      of privacy and publicity, and other regulations and statutes. Nothing contained
      in this Agreement or in the Site shall be construed as granting, by implication
      or otherwise, any license or right to use any Trademark or other proprietary
      information without the express written consent of the Company or third party
      owner. The Company respects the copyright, trademark and all other
      intellectual property rights of others. The Company has the right, but has no
      obligation, to remove content and accounts containing materials that it deems,
      in its sole discretion, to be unlawful, offensive, threatening, libelous,
      defamatory, pornographic, obscene or otherwise objectionable or violates any
      party’s intellectual property or these Terms of Use. If you believe that your
      intellectual property rights are being violated and/or that any work belonging
      to you has been reproduced on the Site or in any Content in any way, you may
      notify Company [email protected]. Please provide your name
      and contact information, the nature of your work and how it is being violated,
      all relevant copyright and/or trademark registration information, the
      location/URL of the violation, and any other information you believe is
      relevant.
    6. While the Company uses reasonable efforts to include accurate and up-to-date
      information in the Site, the Company makes no warranties or representations
      as to its accuracy. The Company assumes no liability or responsibility for any
      errors or omissions in the content of the Site.
    7. NEITHER THE COMPANY NOR ANY OTHER PARTY INVOLVED IN CREATING,
      PRODUCING, OR MAINTAINING THE SITE AND/OR ANY CONTENT ON THE SITE
      SHALL BE LIABLE UNDER ANY CIRCUMSTANCES FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS
      TO OR USE OF THE SITE. WITHOUT LIMITING THE FOREGOING, ALL CONTENT ON
      THE SITE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED
      OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY
      DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE
      OF THE MATERIALS IN THE SITE, THE RESULTS OF THE USE OF SUCH MATERIALS,
      THE SUITABILITY OF SUCH MATERIALS FOR ANY USER’S NEEDS OR THE LIKELIHOOD
      THAT THEIR USE WILL MEET ANY USER’S EXPECTATIONS, OR THEIR CORRECTNESS, ACCURACY,RELIABILITY, OR CORRECTION. THE COMPANY LIKEWISE DOES NOT
      WARRANT OR MAKE ANY REPRESENTATIONS OR GUARANTEES THAT YOU WILL
      EARN ANY MONEY USING THE SITE OR THE COMPANY’S TECHNOLOGY OR SERVICES.
      YOU ACCEPT ALL RESPONSIBILITY FOR EVALUATING YOUR OWN EARNING POTENTIAL
      AS WELL AS EXECUTING YOUR OWN BUSINESS AND SERVICES. YOUR EARNING POTENTIAL IS ENTIRELY DEPENDENT ON YOUR OWN PRODUCTS, IDEAS, TECHNIQUES; YOUR EXECUTION OF YOUR BUSINESS PLAN; THE TIME YOU DEVOTE TO THE PROGRAM,
      IDEAS AND TECHNIQUES OFFERED AND UTILIZED; AS WELL AS YOUR FINANCES,
      YOUR KNOWLEDGE AND YOUR SKILL. SINCE THESE FACTORS DIFFER AMONG ALL INDIVIDUALS, THE COMPANY CANNOT AND DOES NOT WARRANT OR MAKE ANY
      REPRESENTATIONS OR GUARANTEES REGARDING YOUR SUCCESS OR INCOME LEVEL.
      THE COMPANY DOES NOT WARRANT THAT USE OF THE MATERIALS WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS
      SITE, THE CONTENT, AND/OR THE MATERIALS AVAILABLE ON THIS SITE ARE FREE
      FROM BUGS OR VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME ALL RESPONSIBILITY FOR THE COST OF ALL NECESSARY REPAIRS OR CORRECTIONS.
      THE COMPANY SHALL NOT BE RESPONSIBLE FOR ANY PERFORMANCE OR SERVICE PROBLEMS CAUSED BY ANY THIRD PARTY WEBSITE OR THIRD PARTY SERVICE
      PROVIDER. ANY SUCH PROBLEM SHALL BE GOVERNED SOLELY BY THE AGREEMENT BETWEEN YOU AND THAT PROVIDER. Please note that the applicable jurisdiction may not allow the exclusion of implied warranties. Some of the above exclusions may thus not apply to you.
  22. Your Login Account and Password must be kept confidential at all times. Passwords
    should never be shared or exposed to others. You will not let anyone else access your
    account, or do anything else that might jeopardize the security of your account. You
    are responsible for the confidentiality and use of all IDs, passwords and other security
    data, methods and devices furnished in connection with the Web Site. You will be
    solely responsible for the use of any data and information obtained, and all
    transaction requests electronically transmitted, by any person using your IDs and
    other security data.
  23. Please note that all sales are final and non-refundable. By making a purchase, you acknowledge and agree that you will not be entitled to any refunds, regardless of the
    reason for your dissatisfaction with the product or service. We stand behind the
    quality of our coaching course and believe in providing our clients with the best
    possible experience. However, we cannot guarantee specific results or outcomes from
    participating in the coaching course, and therefore cannot offer refunds based on the
    achievement or lack thereof of any particular goals. We appreciate your
    understanding and cooperation in this matter. If you have any questions or concerns,
    please contact us at [email protected].
    1. THE COMPANY SHALL NOT BE RESPONSIBLE FOR ANY PERFORMANCE OR SERVICE
      PROBLEMS CAUSED BY ANY THIRD PARTY WEBSITE OR THIRD PARTY SERVICE PROVIDER (including, for example, your web service provider service, Stripe payment services,
      your software and/or any updates or upgrades to that software). ANY SUCH PROBLEM
      SHALL BE GOVERNED SOLELY BY THE AGREEMENT BETWEEN YOU AND THAT PROVIDER.
      THE COMPANY RESERVES THE RIGHT TO DETERMINE, IN ITS SOLE DISCRETION, WHETHER
      THE COMPANY IS RESPONSIBLE FOR ANY SUCH MALFUNCTION OR DISRUPTION.
      THE COMPANY ALSO RESERVES THE RIGHT TO LIMIT YOUR USE OF THE SITE AND/OR
      THE CONTENT OR TO TERMINATE YOUR ACCOUNT SHOULD THE COMPANY DETERMINE
      THAT YOU HAVE VIOLATED THESE TERMS OF USE, OR THAT YOU HAVE VIOLATED ANY
      OTHER RULES OR CONDITIONS OF THE COMPANY. THE COMPANY RESERVES THE
      RIGHT TO REFUSE ACCESS TO THE SITE AND/OR THE COMPANY’S CONTENT, PRODUCTS AND/OR SERVICES TO ANYONE IN ITS SOLE DISCRETION. THE COMPANY RESERVES THE
      RIGHT TO DETERMINE, IN ITS SOLE DISCRETION, WHETHER THE COMPANY IS
      RESPONSIBLE FOR ANY SUCH MALFUNCTION OR DISRUPTION.
    2. Confidentiality: We take confidentiality very seriously and want to ensure that
      any personal or private information shared during the coaching course is kept
      confidential. Erika Walton and Destiny by Design agree not to disclose any
      information or materials shared during the coaching course to any third party
      without the client's prior written consent, except where required by law. We
      will take all reasonable steps to maintain the confidentiality of all client
      information and materials. However, it's important to note that electronic
      communications, such as email, are not always secure, and there is a risk that
      information shared via these means could be intercepted by a third party. We
      recommend that clients exercise caution when sharing sensitive information via
      email or other electronic communication methods.
  24. Communication policy: Our communication policy is designed to ensure clear and
    effective communication between Erika Walton, Destiny by Design, and our coaching
    clients. We will communicate via email, or video conference, as agreed upon by both
    parties. Our response time to client inquiries is within 1-3 days, during business hours,
    Wednesday through Saturday 10:00 AM - 4:00 PM Pacific Standard Time. We will make
    every effort to communicate in a timely manner and provide support to our clients
    throughout their coaching journey. For one-on-one coaching sessions, if a client is
    unable to attend a scheduled coaching session, we require at least 24 hours' notice in
    advance to reschedule the session. Failure to provide sufficient notice may result in
    the forfeiture of the session. (*Please note that this policy applies only to one-on-one
    coaching sessions. Group coaching sessions have a set schedule and cannot be
    rescheduled for individual clients.) We value clear and honest communication, and
    expect our clients to do the same. If any issues or concerns arise during the coaching
    process, we encourage clients to bring them to our attention so that we can work
    together to find a solution.
    1. To ensure the best coaching experience for everyone, it's important that you
      come prepared to each weekly group zoom or individual coaching session,
      having done the suggested coaching work, and be on time. Please approach
      each session with an open mind and a willingness to be flexible, and practice
      trusting your intuition.
    2. During each coaching session, whether it's one-on-one or in a group, Erika
      Walton will provide support to the best of her ability using a variety of tools,
      such as weekly coaching modules, intuition, meditation, communication
      techniques, Ayurveda, astrology, Feng Shui, and more. Your role is to receive the
      information, digest it, and practice implementing it. If a suggestion doesn't
      resonate with you, it's okay to trust your intuition and communicate that
      respectfully.
    3. We do not tolerate disrespectful behavior towards Erika Walton, assistant
      coaches, assistants, or other clients. If you become difficult, aggressive,
      unteachable, uncoachable, unwilling, inflexible, or any other way that
      negatively impacts the group, you will receive two warnings before being
      removed from the coaching master class Destiny by Design, with no refunds.
      No exceptions. Note that this policy applies to one-on-one and group coaching,
      and that all group coaching sessions are set and cannot be rescheduled for
      individual clients.
    4. During each weekly coaching session, it is important that you take
      responsibility for the language you use to describe your life experiences, as this
      has a direct impact on your reality. Erika Walton will do her best to support
      each person in the course, but please keep in mind that her coaching style is
      designed to trigger and evoke reactions related to your wounds. It is your
      responsibility to be willing to work through any traumas in your life without
      blaming or disrespecting anyone in the course or Erika Walton. People will be
      sharing a wide range of experiences, from small hurts to intense experiences
      such as depression, anxiety, sexual orientation, dismorphia, health issues,
      demons or dark energy, suicidal thoughts and actions, racism, physical violence,
      assault, molestation, rape, stealing, murder, death, and more. This is a safe place
      to share your vulnerabilities and express yourself freely, but you must be
      willing to be coached. You may encounter different perspectives and cultural
      beliefs that challenge your current beliefs. The intention is to help your
      consciousness grow and evolve. Any strongholds such as identity, sexual beliefs
      of identity, political attachment, current cultural propaganda, etc., will also be
      challenged and encouraged to be left at the door, so that you can grow beyond
      them. One of the foundational principles of Erika Walton's coaching and
      Destiny by Design lessons is to help you remove all "false identities appearing
      real" and return to your core of who you truly are.
    5. All coaching and suggestions provided during one-on-one or group coaching
      sessions are solely your responsibility on how you react, think, believe, and take
      action. Erika Walton and Destiny by Design are not responsible for any
      outcome or consequence resulting from the coaching. The master class and
      coaching are designed to empower you to take full responsibility for your life.
      You release all liability and responsibility of Erika Walton, and business Destiny
      by Design master class/coaching, for any of your actions, thoughts, beliefs, and
      decisions made during or after the coaching sessions.
    6. All coaching and suggestions shared during one-on-one or group coaching
      sessions are solely for informational and educational purposes. It is your
      responsibility to choose how you react, think, believe, and take action based on
      the information provided. Erika Walton and Destiny by Design do not assume
      any responsibility or liability for your actions, thoughts, beliefs, or decisions
      based on the coaching received. By participating in the coaching master class,
      you acknowledge that you are fully responsible for your life and all of your
      choices. Therefore, any actions you take are entirely at your own risk.
    7. All communications shared during coaching sessions, whether one-on-one
      or group, are strictly confidential and may not be shared with anyone without
      explicit permission from the individual who shared the information. This
      includes sharing on social media or with other individuals who are not part of
      the coaching program. We respect and protect your privacy and expect you to
      do the same for others. Any breach of confidentiality will not be tolerated and
      may result in immediate termination from the program, without refund, and
      legal action may be taken if deemed necessary.
  25. You agree to indemnify and hold the Company and each of its directors, officers
    employees, and agents, harmless from any and all liabilities, claims, damages and
    expenses, including reasonable attorney’s fees, arising out of or relating to (i) your
    breach of this Agreement, (ii) any violation by you of law or the rights of any third
    party, (iii) any materials, information, works and/or other content of whatever nature
    or media that you post or share on or through the Site, (iv) your use of the Site or any
    services that the Company may provide via the Site, and (v) your conduct in
    connection with the Site or the services or with other users of the Site or the services.
    The Company reserves the right to assume the exclusive defense of any claim for
    which we are entitled to indemnification under this Section. In such event, you shall
    provide the Company with such cooperation as is reasonably requested by the
    Company.
  26. If you send comments or suggestions about the Site to the Company, including, but
    not limited to, notes, text, drawings, images, designs or computer programs, such
    submissions shall become, and shall remain, the sole property of the Company. No
    submission shall be subject to any obligation of confidence on the part of the
    Company. The Company shall exclusively own all rights to (including intellectual
    property rights thereto), and shall be entitled to unrestricted use, publication, and
    dissemination as to all such submissions for any purpose, commercial or otherwise
    without any acknowledgment or compensation to you.
  27. When you register with the Company and/or this Site, you expressly consent to
    receive any notices, announcements, agreements, disclosures, reports, documents,
    communications concerning new products or services, or other records or
    correspondence from the Company. You consent to receive notices electronically by
    way of transmitting the notice to you by email.
    1. The Company shall use commercially reasonable efforts to restrict
      unauthorized access to our data and files. However no system whether or not
      password protected can be entirely impenetrable. You acknowledge that it may
      be possible for an unauthorized third party to access, view, copy, modify, or
      distribute the data and files you store using the Site. Use of the Site is
      completely at your own risk.
  28. This agreement shall be governed by and construed in accordance with the laws of
    the State of California, without giving effect to any principles of conflicts of law. You
    further submit to the exclusive jurisdiction of the state and federal courts sitting in
    Santa Cruz County, California. If any provision of this agreement shall be unlawful,
    void, or for any reason unenforceable, then that provision shall be deemed severable
    from this agreement and shall not affect the validity and enforceability of any
    remaining provisions.
  29. These Terms of Use may be revised from time to time by updating this posting. You
    are bound by any such revisions and should therefore periodically visit this page to
    review the then current Terms of Use to which you are bound.

By participating in this Destiny by Design master class and coaching, you agree and
acknowledge that you have read, understand and fully agree to the above disclaimer and you are now a Private Member under this Private Contract.

 

 

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If you have any questions, concerns or complaints about this Legal Disclaimer, please contact us: