Privacy Policy ~ Terms and Conditions ~ Disclaimer

Perkins Human Resources, L.L.C.

Please read this PRIVACY POLICY carefully before using this Website.

Privacy Policy Consent.

The Website and its Content is owned by Perkins Human Resources, L.L.C. (“Company”, “we”, or “us”). The term “you” refers to the user or viewer of our Website (“Website”).

This Privacy Policy describes how we collect, use, process and distribute your information, including Personal Data (as defined below) used to access this Website. We will not use or share your information with anyone except as described in this Privacy Policy. The use of information
collected through our Website shall be limited to the purposes under this Privacy Policy, and also our Terms of Use if you’re a client or customer.

Please read this Privacy Policy carefully. We reserve the right to change this Privacy Policy on the Website at any time without notice. In the event of a material change, we will let you know via email and/or a prominent notice on our Website.

Use of any personal information or contribution that you provide to us, or which is collected by us on or through our Website or its content is governed by this Privacy Policy. By using our Website or its content, you consent to this Privacy Policy, whether or not you have read it.

Information We May Collect.

We collect personal information from you so that we can provide you with a positive experience when utilizing our Website or content. We will only collect the minimum amount of information necessary for us to fulfill our obligation to you. We may collect your:

1. Name and an email address so we can deliver our newsletter to you – you would be
affirmatively consenting to this by providing this information to us in our contact forms.

2. Billing information including name, address and credit card information so that we can
process payment to deliver our products or services to you under our contractual
obligation.

3. Name and an email address if you complete our contact form with a question. We may
send you marketing emails with either your consent or if we believe we have a legitimate
interest to contact you based on your contact or question.

4. Information from you from a co-branded offer. In this case, we will make clear as to who
is collecting the information and whose privacy policy applies. If both / all parties are
retaining the information you provide, this will also be made clear, as will links to all
privacy policies.

Please note that the information above (“Personal Data”) that you are giving to us is voluntarily,
and by providing this information to us you are giving consent for us to use, collect and process
this Personal Data. You are welcome to opt-out or request for us to delete your Personal Data at
any point by contacting us at Judy@JudyPerkins.com.

If you choose not to provide us with certain Personal Data, you may not be able to participate in
certain aspects of our Website or Content.

Other Information We May Collect.

Anonymous Data Collection and Use

To maintain our Website’s high quality, we may use your IP address to help diagnose problems with our server and to administer the Website by identifying which areas of the Website are most heavily used, and to display content according to your preferences. Your IP address is the number assigned to computers connected to the Internet. This is essentially “traffic data”; which cannot personally identify you but is helpful to us for marketing purposes and for improving our services. Traffic data collection does not follow a user’s activities on any other websites in any way. Anonymous traffic data may also be shared with business partners and advertisers on an aggregate basis.

Use of “Cookies”

We may use the standard “cookies”; feature of major web browsers. We do not set any personally
identifiable information in cookies, nor do we employ any data-capture mechanisms on our
Website other than cookies. You may choose to disable cookies through your own web browser’s
settings. However, disabling this function may diminish your experience on our Website and
some features may not work as intended.

What We Do with Information We Collect.

Contact You.

We may contact you with information that you provide to us based on these lawful grounds for
processing:
1. Consent. We may contact you if you give us your clear, unambiguous, affirmative
consent to contact you.
2. Contract. We will contact you under our contractual obligation to deliver goods or
services you purchase from us.
3. Legitimate Interest. We may contact you if we feel you have a legitimate interest in
hearing from us. For example, if you sign up for a webinar, we may send you marketing
emails based on the content of that webinar. You will always have the option to opt out of
any of our emails.

Process Payments.

We will use the Personal Data you give to us in order to process your payment for the purchase
of goods or services under a contract. We only use third party payment processors that take the
utmost care in securing data and comply with the GDPR.

Targeted Social Media Advertisements.

We may use the data you provide to us to run social media advertisements and / or create look-
alike audiences for advertisements.

Share with Third Parties.

We may share your information with trusted third parties such as our newsletter provider in order
to contact you via email, or our merchant accounts to process payments, and Google / social
media accounts in order to run advertisements and our affiliates.

Viewing by Others.

Note that whenever you voluntarily make your Personal Data available for viewing by others
online through this Website or its content, it may be seen, collected and used by others, and
therefore, we cannot be responsible for any unauthorized or improper use of the information that
you voluntarily share (i.e., sharing a comment on a blog post, posting in a Facebook group that
we manage, sharing details on a group coaching call, etc.).

Submission, Storage, Sharing and Transferring of Personal Data.

Personal Data that you provide to us is stored internally or through a data management system.
Your Personal Data will only be accessed by those who help to obtain, manage or store that
information, or who have a legitimate need to know such Personal Data (i.e., our hosting
provider, newsletter provider, payment processors or team members).
It is important to note that we may transfer data internationally. For users in the European Union,
please be aware that we transfer Personal Data outside of the European Union. By using our
Website and providing us with your Personal Data, you consent to these transfers in accordance
with this Privacy Policy.

Data Retention.

We retain your Personal Data for the minimum amount of time necessary to provide you with the
information and / or services that you requested from us. We may include certain Personal Data
for longer periods of time if it’s necessary for legal, contractual and accounting obligations.
Confidentiality.

We aim to keep the Personal Data that you share with us confidential. Please note that we may
disclose such information if required to do so by law or in the good-faith belief that: (1) such
action is necessary to protect and defend our property or rights or those of our users or licensees,
(2) to act as immediately necessary in order to protect the personal safety or rights of our users or
the public, or (3) to investigate or respond to any real or perceived violation of this Privacy
Policy or of our Website Disclaimer, Terms and Conditions, or any other Terms of Use or
agreement with us.

Passwords.

To use certain features of the Website or its content, you may need a username and password.
You are responsible for maintaining the confidentiality of the username and password, and you
are responsible for all activities, whether by you or by others, that occur under your username or
password and within your account. We cannot and will not be liable for any loss or damage
arising from your failure to protect your username, password or account information. If you share your username or password with others, they may be able to obtain access to your Personal Data at your own risk.

You agree to notify us immediately of any unauthorized or improper use of your username or
password or any other breach of security. To help protect against unauthorized or improper use,
make sure that you log out at the end of each session requiring your username and password.
We will use our best efforts to keep your username and password(s) private and will not
otherwise share your password(s) without your consent, except as necessary when the law
requires it or in the good faith belief that such action is necessary, particularly when disclosure is
necessary to identify, contact or bring legal action against someone who may be causing injury to
others or interfering with our rights or property.

How You Can Access, Update or Delete Your Personal Data.

You have the right to:

1. Request information about how your Personal Data is being used and request a copy of
what Personal Data we use.
2. Restrict processing if you think the Personal Data is not accurate, unlawful, or no longer
needed.
3. Rectify or erase Personal Data and receive confirmation of the rectification or erasure.
(You have the “right to be forgotten”).
4. Withdraw your consent at any time to the processing of your Personal Data.
5. Lodge a complaint with a supervisory authority if you feel we are using your Personal
Data unlawfully.
6. Receive Personal Data portability and transference to another controller without our
hinderance.
7. Object to our use of your Personal Data.
8. Not be subject to an automated decision based solely on automatic processing, including
profiling, which legally or significantly affects you.

Unsubscribe.

You may unsubscribe from our e-newsletters or updates at any time through the unsubscribe link
at the footer of all email communications. If you have questions or are experiencing problems
unsubscribing, please contact us at Judy@JudyPerkins.com.
Security.

We take commercially reasonable steps to protect your Personal Data from misuse, disclosure or
unauthorized access. We only share your Personal Data with trusted third parties who use the
same level of care in processing your Personal Data as we do. That being said, we cannot
guarantee that your Personal Data will always be secure due to technology or security breaches.
Should there be a data breach of which we are aware, we will inform you immediately.

Anti-Spam Policy.

We have a no spam policy and provide you with the ability to opt-out of our communications by
selecting the unsubscribe link at the footer of all e-mails. We have taken the necessary steps to
ensure that we are compliant with the CAN-SPAM Act of 2003 by never sending out misleading
information. We will not sell, rent or share your email address.

Third Party Websites.

We may link to other websites on our Website. We have no responsibility or liability for the
content and activities of any other individual, company or entity whose website or materials may
be linked to our Website or its content, and thus we cannot be held liable for the privacy of the
information on their website or that you voluntarily share with their website. Please review their
privacy policies for guidelines as to how they respectively store, use and protect the privacy of
your Personal Data.

Children’s Online Privacy Protection Act Compliance.

We do not collect any information from anyone under 18 years of age in compliance with
COPPA (Children’s Online Privacy Protection Act) and the GDPR (General Data Protection
Regulation of the EU). Our Website and its content is directed to individuals who are at least 18
years old or older.

Notification of Changes.

We may use your Personal Data, such as your contact information, to inform you of changes to
the Website or its content, or, if requested, to send you additional information about us. We
reserve the right, at our sole discretion, to change, modify or otherwise alter our Website, its
content and this Privacy Policy at any time. Such changes and/or modifications shall become
effective immediately upon posting our updated Privacy Policy. Please review this Privacy
Policy periodically. Continued use of any of information obtained through or on the Website or
its content following the posting of changes and/or modifications constituted acceptance of the
revised Privacy Policy. Should there be a material change to our Privacy Policy, we will contact
you via email or by a prominent note on our Website.

Data Controllers and Processors.

We are the data controllers as we are collecting and using your Personal Data. We use trusted
third parties as our data processors for technical and organizational purposes, including for
payments and email marketing. We use reasonable efforts to make sure our data processors are
GDPR- compliant.
If you have any questions about this Privacy Policy, please contact us at Judy@JudyPerkins.com
or 10 Silver Rock Road, Santa Fe, NM 87508.
Last Updated: 04/03/2023
~ ~ ~

TERMS AND CONDITIONS
Perkins Human Resources, L.L.C.

Please read these Terms and Conditions carefully before using this Website.

The Website and its Content is owned by Perkins Human Resources, L.L.C. (“Company”, “we”,
or “us”). The term “you” refers to the user or viewer of www.JudyPerkins.com. (“Website”).
Please read these Terms and Conditions (“T&C”) carefully. We reserve the right to change these
Terms and Conditions on the Website at any time without notice, and by using the Website and
its Content you are agreeing to the T&C as they appear, whether or not you have read them. If
you do not agree with these T&C, please do not use our Website or its Content.

Website Use and Consent.

The words, design, layout, graphics, photos, images, information, materials, documents, data,
databases and all other information and intellectual property accessible on or through this
Website (“Content”) is our property and is protected by United States intellectual property laws.
If you have purchased a service, program, product or subscription or otherwise entered into a
separate agreement with us you will also be subject to the terms of that agreement or those terms
of use, which shall prevail in the event of a conflict. Online purchases have additional terms of
use relating to the transaction.
By accessing or using this Website and its Content, you represent and warrant that you are at
least 18 years old and that you agree to and to abide by these T&C. Any registration by, use of or
access to the Website and its Content by anyone under age 18 is unauthorized, unlicensed and in
violation of these T&C.

Intellectual Property Rights.

Our Limited License to You. This Website and its Content is property solely owned by us
and/or our affiliates or licensors, unless otherwise noted, and it is protected by copyright,
trademark, and other intellectual property laws.
If you view, purchase or access our Website or any of its Content, you will be considered our
Licensee. For the avoidance of doubt, you are granted a revocable, non-transferable license for
personal, non-commercial use only, limited to you only.
As a Licensee, you understand and acknowledge that this Website and its Content have
been developed or obtained by us through the investment of significant time, effort and
expense, and that this Website and its Content are valuable, special and unique assets of
ours which need to be protected from improper and unauthorized use. We clearly state that
you may not use this Website or its Content in a manner that constitutes an infringement of
our rights or that has not been authorized by us.
When you purchase or access our Website or any of its Content, you agree that:
 You will not copy, duplicate or steal our Website or Content. You understand that
doing anything with our Website or its Content that is contrary to these T&C and
the limited license we are providing to you herein is considered theft, and we reserve
our right to prosecute theft to the full extent of the law.

 You are permitted from time to time to download and/or print one copy of
individual pages of the Website or its Content, for your personal, non-commercial
use, provided that you give us full attribution and credit by name, keep intact all
copyright, trademark and other proprietary notices and, if used electronically, you
must include the link back to the Website page from which the Content was
obtained.
 You may not in any way at any time use, copy, adapt, imply or represent that our
Website or its Content is yours or created by you. By downloading, printing, or
otherwise using our Website Content for personal use you in no way assume any
ownership rights of the Content – it is still our property.
 You must receive our written permission before using any of our Website Content
for your own business use or before sharing with others. This means that you may
not modify, copy, reproduce, republish, upload, post, transmit, translate, sell,
market, create derivative works, exploit, or distribute in any manner or medium
(including by email, website, link or any other electronic means) any Website
Content because that is considered stealing our work.
 We are granting you a limited license to enjoy our Website and its Content for your
own personal or professional use, not for your own business/commercial use or in
any way that earns you money, unless we give you written permission that you may
do so.
The trademarks and logos displayed on our Website or its Content are trademarks belonging to
us, unless otherwise indicated. Any use including framing, meta tags or other text utilizing these
trademarks, or other trademarks displayed, is strictly prohibited without our written permission.
All rights not expressly granted in these terms or any express written license, are reserved by us.

Your License to Us. 

By posting or submitting any material on or through our Website such as
comments, posts, photos, images or videos or other contributions, you are representing that you
are the owner of all such materials and you are at least 18 years old.
When you voluntarily submit to us or post any comment, photo, image, video or any other
submission for use on or through our Website, you are granting us, and anyone authorized by us,
consent to make it part of our current or future Website and its Content. This right includes
granting us proprietary rights or intellectual property rights under any relevant jurisdiction
without any further permission from you or compensation by us to you.  You may, however, at
any time, ask us to delete this information. Your rights regarding this personal information can be
found in our Privacy Policy.
You acknowledge that we have the right but not the obligation to use any contributions from you
and that we may elect to cease the use of any such contributions on our Website or in our Content
at any time for any reason.

Request for Permission to Use Content.

Any request for written permission to use our Content, or any other intellectual property or
property belonging to us, should be made BEFORE you wish to use the Content by completing
the “Contact Us” form on this Website, or by sending an e-mail to Judy@JudyPerkins.com.
We very clearly state that you may not use any Content in any way that is contrary to these
T&C unless we have given you specific written permission to do so. If you are granted
permission by us, you agree to use the specific Content that we allow and ONLY in the
ways for which we have given you our written permission. If you choose to use the Content
in ways that we do not specifically give you written permission, you agree now that you will
be treated as if you had copied, duplicated and/or stolen such Content from us, and you
consent to immediately stop using such Content and to take whatever actions as we may
request and by the methods and in the time frame that we prescribe to protect our
intellectual property and ownership rights in our Website and its Content.

Digital Millennium Copyright Act.

We respect others’ copyright and intellectual property rights. However, if you believe that the
Content on this Website infringes upon any copyright owned by you and was posted on our
Website without your authorization, you may provide us with notice requesting that we remove
the information from the Website. Any request should only be submitted by you or an agent
authorized to act on your behalf to Judy@JudyPerkins.com.

Personal Responsibility and Assumption of Risk.

As a Licensee, you agree that you are using
your own judgment in using our Website and its Content and you agree that you are doing so at
your own risk. You agree and understand that you assume all risks and no results are guaranteed
in any way related to this Website and/or any of its Content. This Website and its Content are
merely to provide you with education and tools to help you make your own decisions for
yourself. You are solely responsible for your actions, decisions and results based on the use,
misuse or non-use of this Website or any of its Content.

Disclaimer.

Our Website and its Content are for informational and educational purposes only. To the fullest
extent permitted by law, we expressly exclude any liability for any direct, indirect or
consequential loss or damage incurred by you or others in connection with our Website and its
Content, including without limitation any liability for any accidents, delays, injuries, harm, loss,
damage, death, lost profits, personal or business interruptions, misapplication of information,
physical or mental disease, condition or issue, physical, mental, emotional, or spiritual injury or
harm, loss of income or revenue, loss of business, loss of profits or contracts, anticipated savings,
loss of data, loss of goodwill, wasted time and for any other loss or damage of any kind, however
and whether caused by negligence, breach of contract, or otherwise, even if foreseeable. You
specifically acknowledge and agree that we are not liable for any defamatory, offensive or illegal
conduct of any other Website participant or user, including you.

Medical Disclaimer.

This Website and its Content are not to be perceived as or relied upon in
any way as medical advice or mental health advice. The information provided through our
Website or Content is not intended to be a substitute for professional medical advice, diagnosis
or treatment that can be provided by your own physician, nurse practitioner, physician assistant,

therapist, counselor, mental health practitioner, licensed dietician or nutritionist, member of the
clergy, or any other licensed or registered health care professional. Do not disregard professional
medical advice or delay seeking professional advice because of information you have read on
this Website, its Content, or received from us. Do not stop taking any medications without
speaking to your physician, nurse practitioner, physician assistant, mental health provider or
other health care professional. If you have or suspect that you have a medical or mental health
issue, contact your own health care provider promptly. We are not providing health care, medical
or nutrition therapy services or attempting to diagnose, treat, prevent or cure in any manner
whatsoever any physical ailment, or any mental or emotional issue, disease or condition. We are
not giving medical, psychological, or religious advice whatsoever.

Legal and Financial Disclaimer.

This Website and its Content are not to be perceived or relied
upon in any way as business, financial or legal advice. The information provided through our
Website and its Content is not intended to be a substitute for professional advice that can be
provided by your own accountant, lawyer, financial or other advisor. We are not giving financial
or legal advice in any way. You are hereby advised to consult with your own accountant, lawyer,
financial or other advisor for any and all questions and concerns you have regarding your own
income and taxes pertaining to your specific financial and/or legal situation. You agree that we
are not responsible for your earnings, the success or failure of your business decisions, the
increase or decrease of your finances or income level, or any other result of any kind that you
may have as a result of information presented to you through our Website or its Content. You are
solely responsible for your actions and results.

Earnings Disclaimer.

You acknowledge that we have not and do not make any representations
as to the health physical, mental, emotional, spiritual or health benefits, future income, expenses,
sales volume or potential profitability or loss of any kind that may be derived as a result of your
use of this Website or its Content. We cannot and do not guarantee that you will attain a
particular result, positive or negative, financial or otherwise, through the use of our Website or its
Content and you accept and understand that results differ for each individual. We also expressly
disclaim responsibility in any way for the choices, actions, results, use, misuse or non-use of the
information provided or obtained through the use of our Website or its Content. You agree that
your results are strictly your own and we are not liable or responsible in any way for your results.

Warranties Disclaimer.

WE MAKE NO WARRANTIES AS TO OUR WEBSITE OR ITS
CONTENT. YOU AGREE THAT OUR WEBSITE AND ITS CONTENTS 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, FITNESS FOR A
PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT
THE WEBSITE OR ITS CONTENT WILL BE FUNCTIONAL, UNINTERRUPTED,
CORRECT, COMPLETE, APPROPRIATE, OR ERROR-FREE, THAT DEFECTS WILL BE
CORRECTED, OR THAT ANY PART OF THE WEBSITE, CONTENT 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

OUR WEBSITE OR ITS CONTENT OR ON THIRD-PARTY WEBSITES IN TERMS OF
THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

Technology Disclaimer.

We try to ensure that the availability and delivery of our Website and its
Content is uninterrupted and error-free. However, we cannot guarantee that your access will not
be suspended or restricted from time to time, including to allow for repairs, maintenance or
updates, although, of course, we will try to limit the frequency and duration of suspension or
restriction. To the fullest extent permitted by law, we will be not be liable to you for damages or
refunds, or for any other recourse, should our Website or its Content become unavailable or
access to the them becomes slow or incomplete due to any reason, such as system back-up
procedures, internet traffic volume, upgrades, overload of requests to the servers, general
network failures or delays, or any other cause which may from time to time make our Website or
its Content inaccessible to you.

Errors and Omissions.

We make no warranty or guarantee as to the accuracy, timeliness,
performance, completeness or suitability of the information on our Website or its Content. Every
effort has been made to present you with the most accurate, up-to-date information, but because
the nature of State and Federal laws and of employment law and compliance is constantly
evolving, and because medical, technological and scientific research is constantly evolving, we
cannot be held responsible or accountable for the accuracy of our content. We assume no liability
for errors or omissions on the Website, its Content, or in other information referenced by or
linked to the site. You acknowledge that such information may contain inaccuracies or errors to
the fullest extent permitted by law.

Links to Other Websites.

We may provide links and pointers to other websites maintained by
third parties which may take you outside of our Website or its Content. These links are provided
for your convenience and the inclusion of any link in our Website or its Content to any other
website does not imply our endorsement, sponsorship, or approval of that website or its owner.
We do not endorse and we are not responsible for the views, opinions, facts, advice, statements,
errors or omissions provided by external resources referenced in our Website or its Content, or
their accuracy or reliability. We have no control over the contents or functionality of those
websites and so we accept no responsibility for any loss, damage, or otherwise that may arise
from your use of them. It is your responsibility to review the terms and conditions and privacy
policies of those linked websites to confirm that you understand and agree with those policies.
Limitations on Linking and Framing. You may establish a hypertext link to our Website or
Content so long as the link does not state or imply any sponsorship, endorsement by, or
ownership by in our Website or Content and does not state or imply that we are have sponsored,
endorsed or have ownership rights in your website. However, you may not frame or inline link
our Content without our written permission.
By purchasing and/or using our Website and its Content in any way or for any reason, you also
implicitly agree to our full Website Disclaimer.

Indemnification, Limitation of Liability and Release of Claims.

Indemnification.

You agree at all times to defend, indemnify and hold harmless our Company,
as well as any of our affiliates, agents, contractors, officers, directors, shareholders, members,
managers, employees, joint venture partners, successors, transferees, assignees, and licensees, as
applicable, 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 our Website, its Content
or your breach of any obligation, warranty, representation or covenant set forth in these T&C or
in any other agreement with us.

Limitation of Liability.

Unless otherwise limited by law, we will not be held responsible or
liable in any way for the information, products or materials that you request or receive through or
on our Website and its Content. We do not assume liability for accidents, delays, injuries, harm,
loss, damage, death, lost profits, personal or business interruptions, misapplication of
information, physical or mental disease, condition or issue, or otherwise, due to any act or
default of anyone or any business, whether owners, staff, agents, joint venture partners,
contractors, vendors, affiliates or otherwise, affiliated with us.  We do not assume liability for
any owners, staff, agents, joint venture partners, contractors, vendors, colleagues, affiliates or
otherwise who is engaged in rendering our Website or its Content, or in any way or in any
location. In the event that you use our Website and its Content or any other information provided
by us or affiliated with us, we assume no responsibility, unless otherwise provided by law.
Release of Claims. In no event will we be liable to any party for any type of direct, indirect,
special, incidental, equitable or consequential damages for any use of or reliance on our Website
and its Content, or on those affiliated with us in any way, and you hereby release us from any and
all claims; including, without limitation, those related to lost profits, personal or business
interruptions, personal injuries, accidents, misapplication of information, or any other loss,
physical or mental disease, condition or issue, or otherwise, even if we are expressly advised of
the possibility of such damages or difficulties.

Your Conduct.

You are agreeing that you will not use our Website or its Conduct in any way
that causes or is likely to cause the Website, Content, or access to them to be interrupted,
damaged or impaired in any way. You understand that you are solely responsible for all
electronic communications and content sent from your computer to this Website and its Content
and to us.
You agree to only purchase goods or services for yourself or for another person for whom you
are legally permitted to do so or for whom you have obtained the express consent to provide their
name, address, method of payment, credit card number, and billing information.
You agree to be financially responsible for all purchases made by you or someone acting on your
behalf through the Website or its Content. You agree to use the Website and its Content for
legitimate, non-commercial purposes only and not for speculative, false, fraudulent, or illegal
purposes.

You must use the Website and its Content for lawful purposes only. You agree that you will not
use the Website or its Content in any of the following ways:
 For fraudulent purposes or in connection with a criminal offence or otherwise carry out
any unlawful activity
 To send, use or re-use any material that is illegal, offensive, abusive, indecent, harmful,
defamatory, obscene or menacing, threatening, objectionable, invasive of privacy, in
breach of confidence, infringing of any intellectual property rights, or that may otherwise
may injure others
 To send, negatively impact, or infect our Website or its Content with software viruses or
any other harmful or similar computer code designed to adversely affect the operation of
any computer software or hardware, commercial solicitation, chain letters, mass mailings
or any spam, whether intended or not
 To cause annoyance, inconvenience or needless anxiety
 To impersonate any third party or otherwise mislead as to the origin of your contributions
 To reproduce, duplicate, copy or resell any part of our Website or its Content in a way
that is not in compliance with these T&C or any other agreement with us.

Online Commerce.

Certain sections of the Website or its Content may allow you to make
purchases from us or from other merchants. If you make a purchase from us on or through our
Website or its Content, all information obtained during your purchase or transaction and all of
the information that you give as part of the transaction, such as your name, address, method of
payment, credit card number, and billing information, may be collected by both us, the merchant,
our affiliate software, and/or our payment processing company. Please review our Privacy Policy
for how we comply with securing your personal data.
Your participation, correspondence or business dealings with any affiliate, individual or company
found on or through our Website, all purchase terms, conditions, representations or warranties
associated with payment, refunds, and/or delivery related to your purchase, are solely between
you and the merchant. You agree that we shall not be responsible or liable for any loss, damage,
refunds, or other matters of any sort that incurred as the result of such dealings with a merchant.
Payment processing companies and merchants may have privacy and data collection practices
that are different from ours. We have no responsibility or liability for these independent policies
of the payment processing companies and Merchants. In addition, when you make certain
purchases through our Website or its Content, you may be subject to the additional terms and
conditions of a payment processing company, Merchant or us that specifically apply to your
purchase. For more information regarding a Merchant and its 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, our affiliates, our payment processing company, and Merchants from any
damages that you incur, and agree not to assert any claims against us or them, arising from your
purchase through or use of our Website or its Content.

Termination.

We reserve the right in our sole discretion to refuse or terminate your access to the
Website and its Content, in full or in part, at any time without notice. In the event of cancellation
or termination, you are no longer authorized to access the part of the Website or Content affected
by such cancellation or termination. The restrictions imposed on you in these T&C with respect
to the Website and its Content will still apply now and in the future, even after termination by
you or us.
If you have any questions about these Website Terms and Conditions, please contact us at
Judy@JudyPerkins.com.
Last Updated: 04/03/2023
~ ~ ~

Perkins Human Resources, LLC.
DISCLAIMER

The website is owned by Perkins Human Resources, L.L.C. (subsequently referred to as “we” or
“us”) throughout this document.
By viewing this website or anything made available on or through this website, including but not
limited to programs, products, services, opt-in gifts, videos, audios, webinars, blog posts, e-
newsletters, social media and/or other communication (collectively and subsequently referred to
as “Website”), you are agreeing to accept all parts of this Disclaimer. Thus, if you do not agree to
the Disclaimer below, STOP now, and do not access or use this Website.
For Educational and Informational Purposes Only.
The information provided in or through this Website is for educational and informational
purposes only and solely as a self-help tool for your own use.
Not Medical, Mental Health, or Religious Advice.
We are not, nor are we holding ourselves out to be doctors/physicians, nurses, physician’s
assistants, advance practice nurses, or any other medical professionals (“Medical Practitioners”),
psychiatrists, psychologists, therapists, counselors, or social workers (“Mental Health
Practitioners”), registered dieticians or licensed nutritionists, or members of the clergy. We are
not providing health care, medical nutritional therapy services, or attempting to diagnose, treat,
prevent or cure any physical, mental or emotional issue, disease or condition through this
Website. The information provided in or through this Website pertaining to your own health or
wellness, exercise, relationships, business/career choices, finances, or any other aspect of your
life is not intended to be a substitute for the professional medical advice, diagnosis or treatment
provided by your own Medical Practitioner or Mental Health Practitioner. You agree and
acknowledge that we are not providing medical advice, mental health advice, or religious advice
in any way. Always seek the advice of your own Medical Practitioner and/or Mental Health
Practitioner regarding any questions or concerns you have about your specific health or any
medications, herbs or supplements you are currently taking and before implementing any
recommendations or suggestions from this Website. Do not disregard medical advice or delay

seeking medical advice because of information you have read on this Website. Do not start or
stop taking any medications without speaking to your own Medical Practitioner or Mental Health
Practitioner. If you have or suspect that you have a medical or mental health problem, contact
your own Medical Practitioner or Mental Health Practitioner promptly. The information
contained on this Website has not been evaluated by the Food and Drug Administration.

Not Legal or Financial Advice.

We are not attorneys, accountants or financial advisors, nor are we holding ourselves out to be.
The information contained in this Website is not intended to be a substitute for legal or financial
advice that can be provided by your own attorney, accountant, and/or financial advisor. Although
care has been taken in preparing the information provided to you, always seek financial and/or
legal counsel relating to your specific circumstances as needed for any and all questions and
concerns you now have, or may have in the future, regarding your legal and/or financial
situation. You agree that the information provided on or through our Website is not legal or
financial advice.

Personal Responsibility.

You aim to accurately represent the information provided to us on or through our Website. You
recognize that the content shared on or through our Website is purely informational and/or
educational and is not meant to replace your own judgment or the judgment of licensed
professionals. You agree to use your own judgment and due diligence before implementing any
idea, suggestion or recommendation from this Website to your life, family or business, or in any
other manner. You accept full responsibility for the consequences of your use, non-use, or misuse
of any information provided on or through this Website. You acknowledge that you are
participating voluntarily in using our Website and that you are solely and personally responsible
for your choices, actions and results, now and in the future, regardless of what you have read or
learned on or through this Website.

No Guarantees.

This Website is designed to provide you with information and/or education to support and assist
you in reaching your own goals and/or that of your organization, but success depends primarily
on your own effort, motivation, commitment and follow-through. We cannot predict and we do
not guarantee that you will attain a particular result using the tools and information provided on
or through this Website, and you accept and understand that results differ for each individual and
organization. Each individual’s and organization’s results depend on his/her/their unique
background, dedication, desire, motivation, actions, and numerous other factors. You fully agree
that there are no guarantees as to the specific outcome or results you or your organization can
expect from using the information you receive on or through this Website.

Earnings Disclaimer.

There can be no assurance as to any particular financial outcome based on the use of our
Website. Any earnings or income statements or examples shown through our Website are only
estimates of what might be possible now or in the future. You agree that the information shared
through this Website is not responsible for your earnings, the success or failure of your personal
or business decisions, the increase or decrease of your finances or income level, or any other

result of any kind that you may have as a result of information and/or education presented to you
on or through our Website. You are solely responsible for your results.

Testimonials.

We share real world experiences, testimonials, and insights about other people’s experiences on
or through this Website for purposes of illustration only. The testimonials, examples, and photos
used are of actual clients and results they personally achieved, or they are comments from
individuals who can speak to our character and/or the quality of our work. They are not intended
to represent or guarantee that current or future clients will achieve the same or similar results;
rather, these testimonials represent what is possible for illustrative purposes only.

Assumption of Risk.

As with all situations, there are sometimes unknown individual risks and circumstances that can
arise during use of the content provided on or through this Website that cannot be foreseen that
can influence or reduce results. You understand that any mention of any suggestion or
recommendation on or through this Website is to be taken at your own risk, recognizing that
there is a rare chance that illness, injury or even death could result, and you agree to fully assume
all risks.

Limitation of Liability.

By using this Website, you agree to absolve me and Perkins Human Resources, L.L.C. of any
liability or loss that you or any other person may incur from use of the information or content
provided on or through this Website, and programs, products, services, or materials that you
request or receive through or on this Website. You agree that we will not be liable to you, or to
any other individual, company or entity, for any type of damages, including direct, indirect,
special, incidental, equitable or consequential loss or damages, for use of or reliance on the
content provided on or through this Website. You agree that we do not assume liability for
accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business
interruptions, misapplication of information, physical or mental disease or condition or issue, or
any other type of loss or damage due to any act or default by us or anyone acting as our
employee, agent, consultant, affiliate, joint venture partner, member, manager, shareholder,
director, staff or team member, or anyone otherwise affiliated with our business, who is engaged
in any manner to deliver content on or through this Website.

Indemnification and Release of Claims.

You hereby fully and completely hold harmless, indemnify and release us and any of our
employees, agents, consultants, colleagues, affiliates, joint venture partners, members, managers,
shareholders, directors, staff or team members, or anyone otherwise affiliated with my business
or me from any and all causes of action, allegations, suits, claims, damages, or demands
whatsoever, in law or equity, that may arise in the past, present or future that is in any way
related to the content or information provided on or through this Website.

No Warranties.

WE MAKE NO WARRANTIES RELATED TO THE PERFORMANCE OR OPERATION OF
MY WEBSITE. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND,
EXPRESS OR IMPLIED, AS TO THE INFORMATION, CONTENT, MATERIALS,

PROGRAMS, PRODUCTS OR SERVICES INCLUDED ON OR THROUGH THIS WEBSITE.
TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL
WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Errors and Omissions.

Although every effort is made to ensure the accuracy of information shared on or through this
Website, the information may inadvertently contain inaccuracies or typographical errors. You
agree that we are not responsible for the views, opinions, or accuracy of facts referenced on or
through this Website, or of those of any other individual or company affiliated with my business
or us in any way. Because legal, scientific, medical, technological and business practices are
constantly evolving, you agree that we are not responsible for the accuracy of my Website, or for
any errors or omissions that may occur.

No Endorsement.

References or links on or through this Website to the information, opinions, advice, programs,
products or services of any other individual, business or entity does not constitute our formal
endorsement. We are merely sharing information for your own self-help only. We are not
responsible for the website content, blogs, e-mails, videos, social media, programs, products
and/or services of any other person, business or entity that may be linked or referenced on or
through this Website. Conversely, should our Website link appear in any other individual’s,
business’s or entity’s website, program, product or services, it does not constitute our formal
endorsement of them, their business or their website either.

Affiliates.

From time to time, we may promote, affiliate with, or partner with other individuals or
businesses whose programs, products and services align with ours. In the spirit of transparency,
you understand and agree that there may be instances when we promote, market, share or sell
programs, products or services for other partners and in exchange we will receive financial
compensation or other rewards. Please note that we are highly selective and only promote the
partners whose programs, products and/or services we respect. At the same time, you agree that
any such promotion or marketing does not serve as any form of endorsement whatsoever. You
are still required to use your own judgment and due diligence to determine that any such
program, product or service is appropriate for you, your family and/or your business. You are
assuming all risks, and you agree that we are not liable in any way for any program, product or
service that we may promote, market, share or sell on or through this Website.

Contacting Us.

By using this Website you are agreeing to all parts of the above Disclaimer. If you have any
questions about this Disclaimer, please contact us at Judy@JudyPerkins.com.
Last Updated: 04/03/2023