1. Introduction. By accessing and using this website, you agree to comply with and be bound by the following terms and conditions. If you do not agree with any part of these terms please do not use our services.

2. Use of Services: Our website provides access to online courses and coaching services. You agree to use these only for lawful purposes and in a way that does not infringe on the rights of , or restrict or inhibit anyone else's use and enjoyment of the website.

3. Intellectual Property: All content provided on this website, including courses, videos, course materials, and any downloads is the intellectual property of Nancy Benton operating under the brand Own Your Voice, and is protected by applicable copyright and intellectual property laws. You may not reproduce, modify, distribute, or use any content without express written permission by Nancy Benton.

4. Payments and Refunds: Payments for courses, coaching, and workshops are due at the time of purchase. We may offer refunds under certain conditions, which will be outlined on the specific course or service page.

5. Limitation of Liability: We are not liable for any indirect, incidental, or consequential damages arising out of use of our website or services.