Disclaimer Page

DISCLAIMER

Disclaimers

Throughout the Site,
we may provide links and pointers to Internet sites maintained by
third parties. Our linking to such third-party sites does not imply
an endorsement or sponsorship of such sites, or the information,
products or services offered on or through the sites. In addition,
neither we nor affiliates operate or control in any respect any
information, products or services that third parties may provide on
or through the Site or on websites linked to by us on the Site.

If applicable, any
opinions, advice, statements, services, offers, or other information
or content expressed or made available by third parties, including
information providers, are those of the respective authors or
distributors, and not COMPANY. Neither COMPANY nor any third-party
provider of information guarantees the accuracy, completeness, or
usefulness of any content. Furthermore, COMPANY neither endorses nor
is responsible for the accuracy and reliability of any opinion,
advice, or statement made on any of the Sites by anyone other than an
authorized COMPANY representative while acting in his/her official
capacity.

THE INFORMATION,
PRODUCTS AND SERVICES OFFERED ON OR THROUGH THE SITE AND BY COMPANY
AND ANY THIRD-PARTY SITES ARE PROVIDED “AS IS” AND WITHOUT
WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST
EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL
WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO,
IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR
PURPOSE. WE DO NOT WARRANT THAT THE SITE OR ANY OF ITS FUNCTIONS WILL
BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR
THAT ANY PART OF THIS SITE, INCLUDING BULLETIN BOARDS, OR THE SERVERS
THAT MAKE IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL
COMPONENTS.

WE DO NOT WARRANT OR
MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE
OF THE SITE OR MATERIALS ON THIS SITE OR ON THIRD-PARTY SITES IN
TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR
OTHERWISE.

You agree at all
times to defend, indemnify and hold harmless COMPANY its affiliates,
their successors, transferees, assignees and licensees and their
respective parent and subsidiary companies, agents, associates,
officers, directors, shareholders and employees of each from and
against any and all claims, causes of action, damages, liabilities,
costs and expenses, including legal fees and expenses, arising out of
or related to your breach of any obligation, warranty, representation
or covenant set forth herein.

Online Commerce

Certain sections of
the Site may allow you to purchase many different types of products
and services online that are provided by third parties. We are not
responsible for the quality, accuracy, timeliness, reliability or any
other aspect of these products and services. If you make a purchase
from a merchant on the Site or on a site linked to by the Site, the
information obtained during your visit to that merchant’s online
store or site, and the information that you give as part of the
transaction, such as your credit card number and contact information,
may be collected by both the merchant and us. A merchant may have
privacy and data collection practices that are different from ours.
We have no responsibility or liability for these independent
policies. In addition, when you purchase products or services on or
through the Site, you may be subject to additional terms and
conditions that specifically apply to your purchase or use of such
products or services. For more information regarding a merchant, its
online store, its privacy policies, and/or any additional terms and
conditions that may apply, visit that merchant’s website and click
on its information links or contact the merchant directly. You
release us and our affiliates from any damages that you incur, and
agree not to assert any claims against us or them, arising from your
purchase or use of any products or services made available by third
parties through the Site.

Your participation,
correspondence or business dealings with any third party found on or
through our Site, regarding payment and delivery of specific goods
and services, and any other terms, conditions, representations or
warranties associated with such dealings, are solely between you and
such third party. You agree that COMPANY shall not be responsible or
liable for any loss, damage, or other matters of any sort incurred as
the result of such dealings.

You agree to be
financially responsible for all purchases made by you or someone
acting on your behalf through the Site. You agree to use the Site and
to purchase services or products through the Site for legitimate,
non-commercial purposes only. You also agree not to make any
purchases for speculative, false or fraudulent purposes or for the
purpose of anticipating demand for a particular product or service.
You agree to only purchase goods or services for yourself or for
another person for whom you are legally permitted to do so. When
making a purchase for a third party that requires you to submit the
third party’s personal information to us or a merchant, you
represent that you have obtained the express consent of such third
party to provide such third party’s personal information.

Your purchase is for
personal use only. Sharing of purchases is not permitted and will be
considered unauthorized, an infringing use of our copyrighted
material, and may subject violators to liability.

If payment for a
course is declined, our system will automatically disable access to
our premium materials. (We understand. This usually happens because a
credit card expires.) We want to help restore your access, so we’ll
make every attempt to contact you to help resolve this issue. Once
the billing issue is resolved, we’ll restore access.

Interactive Features

This Site may
include a variety of features, such as bulletin boards, web logs,
chat rooms, and email services, which allow feedback to us and
real-time interaction between users, and other features which allow
users to communicate with others. Responsibility for what is posted
on bulletin boards, web logs, chat rooms, and other public posting
areas on the Site, or sent via any email services on the Site, lies
with each user – you alone are responsible for the material you
post or send. We do not control the messages, information or files
that you or others may provide through the Site. It is a condition of
your use of the Site that you do not:

Restrict or inhibit
any other user from using and enjoying the Site.

Use the Site to
impersonate any person or entity, or falsely state or otherwise
misrepresent your affiliation with a person or entity.

Interfere with or
disrupt any servers or networks used to provide the Site or its
features, or disobey any requirements, procedures, policies or
regulations of the networks we use to provide the Site.

Use the Site to
instigate or encourage others to commit illegal activities or cause
injury or property damage to any person.

Gain unauthorized
access to the Site, or any account, computer system, or network
connected to this Site, by means such as hacking, password mining or
other illicit means.

Obtain or attempt to
obtain any materials or information through any means not
intentionally made available through this Site.

Use the Site to post
or transmit any unlawful, threatening, abusive, libelous, defamatory,
obscene, vulgar, pornographic, profane or indecent information of any
kind, including without limitation any transmissions constituting or
encouraging conduct that would constitute a criminal offense, give
rise to civil liability or otherwise violate any local, state,
national or international law.

Use the Site to post
or transmit any information, software or other material that violates
or infringes upon the rights of others, including material that is an
invasion of privacy or publicity rights or that is protected by
copyright, trademark or other proprietary right, or derivative works
with respect thereto, without first obtaining permission from the
owner or rights holder.

Use the Site to post
or transmit any information, software or other material that contains
a virus or other harmful component.

Use the Site to
post, transmit or in any way exploit any information, software or
other material for commercial purposes, or that contains advertising.

Use the Site to
advertise or solicit to anyone to buy or sell products or services,
or to make donations of any kind, without our express written
approval.

Gather for marketing
purposes any email addresses or other personal information that has
been posted by other users of the Site.

COMPANY may host
message boards, chats and other public forums on its Sites. Any user
failing to comply with the terms and conditions of this Agreement may
be expelled from and refused continued access to, the message boards,
chats or other public forums in the future. COMPANY or its designated
agents may remove or alter any user-created content at any time for
any reason. Message boards, chats and other public forums are
intended to serve as discussion centers for users and subscribers.
Information and content posted within these public forums may be
provided by COMPANY staff, COMPANY’s outside contributors, or by
users not connected with COMPANY, some of whom may employ anonymous
user names. COMPANY expressly disclaims all responsibility and
endorsement and makes no representation as to the validity of any
opinion, advice, information or statement made or displayed in these
forums by third parties, nor are we responsible for any errors or
omissions in such postings, or for hyperlinks embedded in any
messages. Under no circumstances will we, our affiliates, suppliers
or agents be liable for any loss or damage caused by your reliance on
information obtained through these forums. The opinions expressed in
these forums are solely the opinions of the participants, and do not
reflect the opinions of COMPANY or any of its subsidiaries or
affiliates.

COMPANY has no
obligation whatsoever to monitor any of the content or postings on
the message boards, chat rooms or other public forums on the Sites.
However, you acknowledge and agree that we have the absolute right to
monitor the same at our sole discretion. In addition, we reserve the
right to alter, edit, refuse to post or remove any postings or
content, in whole or in part, for any reason and to disclose such
materials and the circumstances surrounding their transmission to any
third party in order to satisfy any applicable law, regulation, legal
process or governmental request and to protect ourselves, our
clients, sponsors, users and visitors.

We occasionally
include access to an online community as part of our programs. We
want every single member to add value to the group. Our goal is to
make your community the most valuable community you’re a member of.
Therefore, we reserve the right to remove anyone at any time. We
rarely do this, but we want to let you know how seriously we take our
communities.

Registration

To access certain
features of the Site, we may ask you to provide certain demographic
information including your gender, year of birth, zip code and
country. In addition, if you elect to sign-up for a particular
feature of the Site, such as chat rooms, web logs, or bulletin
boards, you may also be asked to register with us on the form
provided and such registration may require you to provide personally
identifiable information such as your name and email address. You
agree to provide true, accurate, current and complete information
about yourself as prompted by the Site’s registration form. If we
have reasonable grounds to suspect that such information is untrue,
inaccurate, or incomplete, we have the right to suspend or terminate
your account and refuse any and all current or future use of the Site
(or any portion thereof). Our use of any personally identifiable
information you provide to us as part of the registration process is
governed by the terms of our Privacy Policy.

Passwords

To use certain
features of the Site, you will need a username and password, which
you will receive through the Site’s registration process. You are
responsible for maintaining the confidentiality of the password and
account, and are responsible for all activities (whether by you or by
others) that occur under your password or account. You agree to
notify us immediately of any unauthorized use of your password or
account or any other breach of security, and to ensure that you exit
from your account at the end of each session. We cannot and will not
be liable for any loss or damage arising from your failure to protect
your password or account information.

Limitation of
Liability

UNDER NO
CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE,
OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES BE LIABLE FOR ANY
DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT
RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SITE, INCLUDING
OUR MESSAGING, BLOGS, COMMENTS OF OTHERS, BOOKS, EMAILS, PRODUCTS, OR
SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE
AVAILABLE THROUGH THE SITE OR BY US IN ANY WAY, EVEN IF WE ARE
ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES. (BECAUSE SOME
STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES
OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH
STATES, OUR LIABILITY AND THE LIABILITY OF OUR SUBSIDIARY AND PARENT
COMPANIES OR AFFILIATES IS LIMITED TO THE FULLEST EXTENT PERMITTED BY
SUCH STATE LAW.) YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT WE ARE
NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY
USER. IF YOU ARE DISSATISFIED WITH THE SITE, ANY MATERIALS, PRODUCTS,
OR SERVICES ON THE SITE, OR WITH ANY OF THE SITE’S TERMS AND
CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING
THE SITE AND THE PRODUCTS, SERVICES AND/OR MATERIALS

COMPANY IS NOT AN
INVESTMENT ADVISORY SERVICE, IS NOT AN INVESTMENT ADVISER, AND DOES
NOT PROVIDE PERSONALIZED FINANCIAL ADVICE OR ACT AS A FINANCIAL
ADVISOR.

WE EXIST FOR
EDUCATIONAL PURPOSES ONLY, AND THE MATERIALS AND INFORMATION
CONTAINED HEREIN AND IN OUR PRODUCTS AND SERVICES ARE FOR GENERAL
INFORMATIONAL PURPOSES ONLY. NONE OF THE INFORMATION PROVIDED BY US
IS INTENDED AS INVESTMENT, TAX, ACCOUNTING OR LEGAL ADVICE, AS AN
OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL, OR AS AN
ENDORSEMENT, RECOMMENDATION OR SPONSORSHIP OF ANY COMPANY, SECURITY,
OR FUND. OUR INFORMATION SHOULD NOT BE RELIED UPON FOR PURPOSES OF
TRANSACTING IN SECURITIES OR OTHER INVESTMENTS.

WE DO NOT OFFER OR
PROVIDE TAX, LEGAL OR INVESTMENT ADVICE AND YOU ARE RESPONSIBLE FOR
CONSULTING TAX, LEGAL, OR FINANCIAL PROFESSIONALS BEFORE ACTING ON
ANY INFORMATION PROVIDED BY US.

THIS SITE IS
CONTINUALLY UNDER DEVELOPMENT AND COMPANY MAKES NO WARRANTY OF ANY
KIND, IMPLIED OR EXPRESS, AS TO ITS ACCURACY, COMPLETENESS OR
APPROPRIATENESS FOR ANY PURPOSE.

YOU acknowledge and
agrees that no representation has been made by COMPANY OR ITS
AFFILIATES and relied upon as to the future income, expenses, sales
volume or potential profitability that may be derived from the
participation in THIS PROGRAM.

Termination

We may cancel or
terminate your right to use the Site or any part of the Site at any
time without notice. In the event of cancellation or termination, you
are no longer authorized to access the part of the Site affected by
such cancellation or termination. The restrictions imposed on you
with respect to material downloaded from the Site, and the
disclaimers and limitations of liabilities set forth in these Terms
of Service, shall survive.

Refund Policy

Your purchase of a
product or service or ticket to an event may or may not provide for
any refund. Each specific product, service, event or course will
specify its own refund policy.

Other

The Digital
Millennium Copyright Act of 1998 (the “DMCA”) provides recourse
for copyright owners who believe that material appearing on the
Internet infringes their rights under the U.S. copyright law. If you
believe in good faith that materials hosted by COMPANY infringe your
copyright, you, or your agent may send to COMPANY a notice requesting
that the material be removed or access to it be blocked. Any
notification by a copyright owner or a person authorized to act on
its behalf that fails to comply with requirements of the DMCA shall
not be considered sufficient notice and shall not be deemed to confer
upon COMPANY actual knowledge of facts or circumstances from which
infringing material or acts are evident. If you believe in good faith
that a notice of copyright infringement has been wrongly filed
against you, the DMCA permits you to send to COMPANY a
counter-notice. All notices and counter notices must meet the then
current statutory requirements imposed by the DMCA; see
http://www.loc.gov/copyright for details. COMPANY’s Copyright Agent
for notice of claims of copyright infringement or counter notices can
be reached as follows: [email protected]

This Agreement shall
be binding upon and inure to the benefit of COMPANY and our
respective assigns, successors, heirs, and legal representatives.
Neither this Agreement nor any rights hereunder may be assigned
without the prior written consent of COMPANY. Notwithstanding the
foregoing, all rights and obligations under this Agreement may be
freely assigned by COMPANY to any affiliated entity or any of its
wholly owned subsidiaries

These Terms of Use
shall be governed by and construed in accordance with the laws of the
State of USA, Ohio and any dispute shall be subject to binding
arbitration in USA, OHIO , USA, OHIO. 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.

Disclaimer

Although it is
highly unlikely, This policy may be changed at any time at our
discretion. If we should update this policy, we will post the updates
to this page on our Website.

If you have any
questions or concerns regarding our privacy policy please direct them
to:

[email protected]

] d/b/a
“annarokhlina.com” (“COMPANY,” “we” or “us”). By
using the Site, you agree to be bound by these Terms of Service and
to use the Site in accordance with these Terms of Service, our
Privacy Policy and any additional terms and conditions that may apply
to specific sections of the Site or to products and services
available through the Site or from COMPANY. Accessing the Site, in
any manner, whether automated or otherwise, constitutes use of the
Site and your agreement to be bound by these Terms of Service.

We reserve the right
to change these Terms of Service or to impose new conditions on use
of the Site, from time to time, in which case we will post the
revised Terms of Service on this website. By continuing to use the
Site after we post any such changes, you accept the Terms of Service,
as modified.

Intellectual
Property Rights

Our Limited License
to You. This Site and all the materials available on the Site are the
property of us and/or our affiliates or licensors, and are protected
by copyright, trademark, and other intellectual property laws. The
Site is provided solely for your personal noncommercial use. You may
not use the Site or the materials available on the Site in a manner
that constitutes an infringement of our rights or that has not been
authorized by us. More specifically, unless explicitly authorized in
these Terms of Service or by the owner of the materials, you may not
modify, copy, reproduce, republish, upload, post, transmit,
translate, sell, create derivative works, exploit, or distribute in
any manner or medium (including by email or other electronic means)
any material from the Site. You may, however, from time to time,
download and/or print one copy of individual pages of the Site for
your personal, non-commercial use, provided that you keep intact all
copyright and other proprietary notices.

Your License to Us.
By posting or submitting any material (including, without limitation,
comments, blog entries, Facebook postings, photos and videos) to us
via the Site, internet groups, social media venues, or to any of our
staff via email, text or otherwise, you are representing: (i) that
you are the owner of the material, or are making your posting or
submission with the express consent of the owner of the material; and
(ii) that you are thirteen years of age or older. In addition, when
you submit, email, text or deliver or post any material, you are
granting us, and anyone authorized by us, a royalty-free, perpetual,
irrevocable, non-exclusive, unrestricted, worldwide license to use,
copy, modify, transmit, sell, exploit, create derivative works from,
distribute, and/or publicly perform or display such material, in
whole or in part, in any manner or medium, now known or hereafter
developed, for any purpose. The foregoing grant shall include the
right to exploit any proprietary rights in such posting or
submission, including, but not limited to, rights under copyright,
trademark, service mark or patent laws under any relevant
jurisdiction. Also, in connection with the exercise of such rights,
you grant us, and anyone authorized by us, the right to identify you
as the author of any of your postings or submissions by name, email
address or screen name, as we deem appropriate.

You acknowledge and
agree that any contributions originally created by you for us shall
be deemed a “work made for hire” when the work performed is
within the scope of the definition of a work made for hire in Section
101 of the United States Copyright Law, as amended. As such, the
copyrights in those works shall belong to COMPANY from their
creation. Thus, COMPANY shall be deemed the author and exclusive
owner thereof and shall have the right to exploit any or all of the
results and proceeds in any and all media, now known or hereafter
devised, throughout the universe, in perpetuity, in all languages, as
COMPANY determines. In the event that any of the results and proceeds
of your submissions hereunder are not deemed a “work made for hire”
under Section 101 of the Copyright Act, as amended, you hereby,
without additional compensation, irrevocably assign, convey and
transfer to COMPANY all proprietary rights, including without
limitation, all copyrights and trademarks throughout the universe, in
perpetuity in every medium, whether now known or hereafter devised,
to such material and any and all right, title and interest in and to
all such proprietary rights in every medium, whether now known or
hereafter devised, throughout the universe, in perpetuity. Any posted
material which are reproductions of prior works by you shall be
co-owned by us.

You acknowledge that
COMPANY has the right but not the obligation to use and display any
postings or contributions of any kind and that COMPANY may elect to
cease the use and display of any such materials (or any portion
thereof), at any time for any reason whatsoever.

Limitations on
Linking and Framing. You may establish a hypertext link to the Site
so long as the link does not state or imply any sponsorship of your
site by us or by the Site. However, you may not, without our prior
written permission, frame or inline link any of the content of the
Site, or incorporate into another website or other service any of our
material, content or intellectual property.