Terms & Conditions
Effective Date: February 18, 2026

1. Use of This Website
By accessing this website, you agree to these Terms & Conditions. If you do not agree, please do not use this website.
This website and its content are owned by Denise Vandy.

2. Intellectual Property
All content on this website, including audio recordings, written content, podcast episodes, graphics, and digital materials, is the intellectual property of Denise Vandy.

You may not copy, reproduce, distribute, modify, share, or create derivative works without written permission.

Access to paid content is for personal use only.

Sharing login credentials or distributing paid materials is strictly prohibited.

3. Digital Products & Membership Access
The Private Audio Library is an annual digital membership providing access to audio content.

Content may be updated or expanded periodically.

Purchase grants personal access only and does not transfer ownership of any materials.

4. Refund Policy
Annual membership purchases are eligible for a refund within 7 days of the original purchase date.

Refund requests must be submitted in writing within 7 days.

After 7 days, all sales are final.

5. No Guarantees
Results are not guaranteed.

Individual outcomes vary and depend on personal participation and circumstances.

6. Limitation of Liability
All content is provided for educational and informational purposes only.

You agree that Denise Vandy is not liable for any direct or indirect damages resulting from use of this website, its content, or related services.

7. Indemnification
You agree to indemnify and hold harmless Denise Vandy from any claims, damages, or liabilities arising from your use of this website or services.

8. Governing Law
These Terms shall be governed by the laws of the State of Florida, United States.