USER OBLIGATIONS
You represent that You are at least the legal age of majority and will, at all times, provide true, accurate and complete information when submitting any information the SN.O Site, including, without limitation, when You provide information during registration or on other forms. If You provide any false, inaccurate, or incomplete information, SN.O reserves the right to terminate your access immediately to the SN.O Site. In addition, You agree to abide by all applicable local, state, national, and international laws and regulations with respect to your use of the SN.O Site or not use this site if any applicable laws forbid its use. Without limiting the generality of the foregoing, You agree that you will not use nor disclose to any other party in a manner not permitted by this ToS any personally identifiable information, which You receive or which is made available from SN.O in connection with this ToS. In addition, You also acknowledge and agree that use of the internet and access to or transmissions or communications with the SN.O Site is solely at Your own risk. While SN.O has endeavored to create a secure and reliable SN.O Site, you should understand that the confidentiality of any communication or material transmitted to or from the SN.O Site over the Internet or other form of global communication network cannot be guaranteed. SN.O is not responsible for the security of any information transmitted to or from the SN.O Site. You agree to assume all responsibility concerning activities related to Your use of the SN.O Site. SN.O does not provide You support for the SN.O Site.

USER NAME
Your account information is accessible through the use of a USERID and PASSWORD assigned and/or controlled by You. You are solely responsible for protecting Your USERID and PASSWORD and hereby agree to accept all responsibility for any activity that occurs under Your account with your USERID and PASSWORD. In addition, should any of Your employees with access to this site leave Your business/institution, you will be responsible for changing any PASSWORDS if you believe such a step is warranted. SN.O is not responsible for any liability arising from any unauthorized use of this service (including without limitation from Your business, institution or from Your failure to safeguard a PASSWORD from unauthorized use). Only one Authorized User can use one user name and password and, thus, one account. By using the SN.O Site, You agree to consider Your user name and password as confidential information and to keep Your user name and password confidential. You also agree not to use another Authorized User’s user name and password. You will immediately notify SN.O if You become aware of any loss or theft of Your password or any unauthorized use of Your user name and password. SN.O will not be liable for any loss or damage arising from Your failure to comply with these obligations. SN.O reserves the right to delete or change a user name or password at any time and for any reason with reasonable notice.

LICENSE GRANT
The SN.O Site is provided by SN.O, and this ToS provides to You a revocable, limited, non-exclusive, non-transferable license to use the SN.O Site conditioned on Your continued compliance with the terms and conditions of this ToS and this ToS permits You to use and access for business purposes only the SN.O Site. You may also download materials and information from the SN.O Site solely for Your internal business use, provided that all hard copies retain all copyright and other applicable notices contained in such materials and information.

RESTRICTIONS
This is for limited use only. You may not use, copy, store, reproduce, transmit, distribute, display, rent, lease, sell, modify, alter, license, sub-license, or commercially exploit any data provided by SN.O through the SN.O Site in any manner unless expressly permitted by this ToS. In addition, You may not modify, translate, decompile, create derivative work(s) of, copy, distribute, disassemble, broadcast, transmit, publish, remove, or alter any proprietary notices or labels. You may not: (i) reproduce or circumvent the navigational structure or presentation of the SN.O Site to obtain or attempt to obtain any materials, documents, or information through any means not purposely made available through the SN.O Site, (ii) attempt to gain unauthorized access to any portion or feature of the SN.O Site, including, without limitation, the account of another Authorized User(s), or any other systems or networks connected to the SN.O Site or to any SN.O server or to any of the services offered on or through the SN.O Site, by hacking, password “mining,” or any other illegitimate or prohibited means, (iii) probe, scan, or test the vulnerability of the SN.O Site or any network connected to the SN.O Site, nor breach the security or authentication measures on the SN.O Site or any network connected to the SN.O Site, (iv) reverse lookup, trace, or seek to trace any information on any other Authorized User of or visitor to the SN.O Site, (v) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the SN.O Site or SN.O’s systems or networks or any systems or networks connected to the SN.O Site, (vi) use any device, software to interfere with the proper working of the SN.O Site or any transaction conducted on the SN.O Site, or with any other person’s use of the SN.O Site, (vii) resell, or otherwise permit third parties to access and use the SN.O Site (or any part thereof) without SN.O prior written permission, or (viii) use the SN.O Site in an unlawful manner or in a manner that could damage, disparage, or otherwise negatively impact SN.O.

TERM AND TERMINATION
This ToS and Your right to use the SN.O Site will take effect at the moment you click “I ACCEPT”, and access, or use the SN.O Site and is effective until terminated as set forth below. This ToS will terminate automatically if You click “I DECLINE”. In addition, SN.O reserves the right at any time if You violate any term or condition of this ToS, to deny your access to the SN.O Site or to any portion thereof in order to protect its name and goodwill, its business, and/or other Authorized Users. Termination will be effective without notice. You may also terminate this ToS at any time by ceasing to use the SN.O Site, but all applicable provisions of this ToS will survive termination. Upon termination, you must destroy all copies of any aspect of the SN.O Site in your possession. The provisions concerning SN.O’s proprietary rights, feedback, indemnity, disclaimers of warranty, limitation of liability, and governing law will survive the termination of this ToS for any reason.

PRIVACY POLICY
Please see our Privacy Policy for a summary of personal identifying information collection and use practices.

LIABILITY DISCLAIMER
THE INFORMATION, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. SN.O AND/OR ITS SUPPLIERS OR AFFILIATES MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION, PRODUCTS, AND SERVICES CONTAINED ON THIS SITE FOR ANY PURPOSE. ALL SUCH INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. SN.O, ITS AFFILIATES AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, PRODUCTS, AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. IN NO EVENT SHALL SN.O, ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF SN.O, ITS AFFILIATES AND/OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS HAVE LIMITATIONS ON THE APPLICABILITY OF DISCLAIMERS OR DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. NOTWITHSTANDING THE FOREGOING, TOTAL LIABILITY OF SN.O FOR ANY REASON WHATSOEVER RELATED TO USE OF THE SN.O SITE SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO SN.O IN CONNECTION WITH THE USE OF THIS SN.O SITE FOR THE PRIOR THREE MONTHS.

INDEMNITY
You agree to defend, indemnify, and hold harmless SN.O and its affiliates, employees, agents, directors, officers, shareholders, attorneys, successors, and assigns from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees and litigation expenses) relating to or arising from any breach by You of this ToS. You acknowledge that any breach, threatened or actual, of this ToS may cause irreparable injury to SN.O, such injury would not be quantifiable in monetary damages, and SN.O would not have an adequate remedy at law. You therefore agree that SN.O shall be entitled, in addition to other available remedies, to seek and be awarded an injunction or other appropriate equitable relief from a court of competent jurisdiction restraining any breach, threatened or actual, of Your obligations under any provision of this ToS.

GOVERNING LAW
This ToS has been made in and will be construed and enforced solely in accordance with the laws of the United States of America and the State of Georgia, U.S.A. as applied to agreements entered into and completely performed in the State of Georgia. You and SN.O each agree to submit to exclusive subject matter jurisdiction, personal jurisdiction, and venue of the courts in Atlanta in the State of Georgia for any disputes between us under or arising out of this ToS. You also agree to waive any right to a jury trial in connection with any action or litigation in any way arising out of or related to this ToS and acknowledge that either party may seek attorney’s fees in any proceeding. Any claim You might have against SN.O must be brought within ONE (1) year after the cause of action arises, or such claim or cause of action is barred. You access the SN.O Site on your own volition and are responsible for compliance with all applicable local laws with respect to Your access and use of the SN.O Site.

WAIVER, NO JOINT VENTURE, SEVERABILITY
Failure by SN.O to insist on strict performance of any of the terms and conditions of this ToS will not operate as a waiver by SN.O of that or any subsequent default or failure of performance. If any provision (or part thereof) contained in this ToS is determined to be void, invalid, or otherwise unenforceable by a court of competent jurisdiction or on account of a conflict with an applicable government regulation, such determination shall not affect the remaining provisions (or parts thereof) contained herein and the illegal, invalid, or unenforceable clause shall be modified in compliance with applicable law in a manner that most closely matches the intent of the original language. No joint venture, partnership, employment, or agency relationship exists between You and SN.O as result of this ToS or Your utilization of the SN.O Site. Headings herein are for convenience only. This ToS shall be deemed to include all other notices, policies, disclaimers, and other terms contained in this SN.O Site; provided, however, that in the event of a conflict between such other terms and these Terms, the terms contained herein shall control.

PROPRIETARY RIGHTS
This ToS provides You with a limited license to access and use the SN.O Site. You expressly acknowledge and agree that SN.O transfers no ownership or intellectual property interest or title in and to the SN.O Site to You or anyone else. All text, graphics, user interfaces, visual interfaces, photographs, sounds, artwork, computer code (including html code), programs, software, products, information, and documentation as well as the design, structure, selection, coordination, expression, and arrangement of any content contained on or available through the SN.O Site, unless otherwise indicated, are owned, controlled, and licensed by SN.O, other third parties, or its successors and assigns and are protected by law including, but not limited to, United States copyright, trade secret, patent, and trademark law, as well as other state, national, and international laws and regulations. Except as expressly provided herein, SN.O does not grant any express or implied right to you or any other person under any intellectual or proprietary rights. Accordingly, your unauthorized use of the SN.O Site may violate intellectual property or other proprietary rights laws as well as other laws, regulations, and statutes. Please be aware that SN.O does enforce its intellectual property rights to the fullest extent of the law. This SN.O Site is Copyright © 2020 All rights reserved. Any downloadable or printable programs, directories, databases, information, or materials available through the SN.O Site and all copyrights, trade secrets, and know how related thereto, unless otherwise indicated, are owned by SN.O or other third parties. This Site, SN.O, the SN.O logo, and all other names, logos, and icons identifying SN.O and its programs, products, and services are proprietary trademarks of SN.O, and any use of such marks, including, without limitation, as domain names, without the express written permission of SN.O is strictly prohibited. Other service and entity names mentioned herein may be the trademarks and/or service marks of their respective owners.

THIRD PARTY PRODUCTS/SERVICES
SN.O, in its sole discretion, may post the advertisements of third parties on the SN.O Site and/or feature materials, programs, products, and services provided by third parties, including, without limitation, SN.O’s members. SN.O makes no representations with respect to the quality, non-infringement, accuracy, completeness, timeliness, reliability, or correct sequencing of such third party materials, programs, products, and services or any other materials, programs, products, and services which such third party materials, products, and services may access. Your correspondence or any other dealings with third parties found on the SN.O Site are solely between You and such third party. Accordingly, SN.O expressly disclaims responsibility and liability for all third party provided materials, programs, products, and services contained on or accessed through the SN.O Site, and You agree that SN.O shall not be responsible for any loss or damage of any sort incurred as a result of any such dealings or as the result of the presence of such third parties on the SN.O Site.

REFUND POLICY
SN.O, in its sole discretion, may issue refunds by written request and under special circumstances only. No refunds will be issued for Reiki healing, coaching, consulting, public speaking, subscriptions, digital products or other related services that have already been completer or rendered in full.

REFUNDS: Reiki Healing Sessions & Packages

• Reiki Energy healing sessions and debriefings cannot not be refunded if the service is in – session or completed.
• You may cancel a Reiki Package at any time within the first 7 days and receive a full refund, provided no services have yet been rendered. No questions asked!
• If the first 7 days have ended and you feel you deserve a refund, click here to tell us why and we will review your request.
• Reiki Package services that have yet to be rendered after the 7 day purchase deadline are eligible for a partial refund of 50% of the remaining package value. NOTE*: If a discounted Reiki Package is cancelled, the % (or dollar value) discount will be forfeited when the remaining value is calculated. Click here to request a 50% refund of the remaining value of a Reiki package (less the discounted amount*).
• If you are eligible for a refund, or partial refund, your credit card will be refunded automatically.

REFUNDS: Paid Subscription Plans

• Monthly subscription plans can be cancelled at any time, no questions asked. Click here to cancel your monthly subscription.
• Partial month refunds for subscription plans will not granted. You will always have access to FREE monthly teleseminars and other free content by visiting the SN.O website.
• Monthly subscriptions cancel automatically the first day of the month following the cancellation request.

REFUNDS: Digital Products

• Digital products are not eligible for refund once the product is downloaded.

REFUNDS: Coaching Programs & Consultations

• Coaching Programs and Consultations cannot not be refunded if the service is in – session or completed.
• You may cancel a Coaching Program or Consultation at any time within the first 7 days and receive a full refund, provided no services have yet been rendered. No questions asked!
• If the first 7 days have ended and you feel you deserve a refund, click here to tell us why and we will review your request.
• If a Coaching Program has been rendered in part after the 7 day purchase deadline, a partial refund of 50% of the remaining package value may be applied. NOTE*: If a discounted Coaching Program is cancelled, the % (or dollar value) discount will be forfeited when the remaining value is calculated. Click here to request a 50% refund of the remaining value of a Coaching Program (less the discounted amount*).
• If you are eligible for a refund, or partial refund, your credit card will be refunded automatically.

Additional Information

• If you canceled within 72 hours of a purchase it is likely that the transaction was canceled before the funds settled. If this is the case, instead of receiving a refund, the original charge(s) will drop away from your account within 20 business days.
• Please allow up to 20 business days for your refund to appear on your credit card statement.
• SN.O is not responsible for any bank charges, commissions or overdrafts. The only way to remove these charges is through direct negotiation with your bank.
• Terms of Cancellation for Speaking Engagement and Bulk Book Buying contracts can be found within the speaking engagement and bulk book contracts, respectively.