Terms of Use & Privacy Policy

Please read the following terms of use relating to your use of this site, and all the sites listed below under our brand, carefully. By using these sites, you agree to these terms of use. We reserve the right to modify these terms at any time, so please check this page periodically for changes. By using these sites after we post any changes to these terms, you agree to accept those changes, whether or not you have reviewed them or been notified about them. If at any time you choose not to accept these terms of use, please do not use this site or any of our sites.

I provide Visitors and Registered Users with access to the Services as described below. Visitors. Visitors, as the term implies, are people who do not register, but want to explore the Sites. No login is required for Visitors. Visitors can: (i) view all publicly-available content on the Sites; and (ii) email me or contact me using the webform provided on the contact page. Registered Users. Registered Users can do all the things that Visitors can do, and: (i) purchase products and services through my Sites; (ii) access exclusive content available only to Registered Users; (iii) sign up for my various programs; and (vi) sign up for alerts and other notifications; and (vii) become part of the Pivirotto Resource Group communities. Pivirotto Resource Group is under no obligation to accept any individual as a Registered User and may accept or reject any registration in its sole and complete discretion. In addition, Pivirotto Resource Group may deactivate any account at any time, including, without limitation, if it determines that a Registered User has violated these Terms of Use.

Pivirotto Resource Group's community, like any community, functions best when its users follow a few simple rules. By accessing and/or using the Sites, you agree to comply with these community guidelines (the "Community Guidelines") and that: • You will comply with all applicable laws in your use of the Sites and will not use the Sites for any unlawful purpose; • You will not upload, post, email, transmit, or otherwise make available any content that: infringes any copyright, trademark, right of publicity, or other proprietary rights of any person or entity; or is defamatory, libelous, indecent, obscene, pornographic, sexually explicit, invasive of another's privacy, promotes violence, or contains hate speech; or discloses any sensitive information about another person; • You will not "stalk," threaten, or otherwise harass another person; • You will not spam or use the Sites to engage in any commercial activities; • You will not access or use the Sites to collect any market research for a competing business; • You will not impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity; • You will not interfere with or attempt to interrupt the proper operation of the Sites through the use of any virus, device, information collection or transmission mechanism, software or routine; • You will not use any robot, spider, scraper, or other automated means to access the Sites for any purpose without my express written permission. I reserve the right, in my sole and absolute discretion, to deny you access to the Sites, or any portion of the Sites, without notice, and to remove any content that does not adhere to these Community Guidelines.

The Sites are only available for individuals aged 13 years or older. If you are 13 or older, but under the age of majority in your jurisdiction, you should review this Agreement with your parent or guardian to make sure that you and your parent or guardian understand it.

Pivirotto Resource Group Sites allow you to purchase a subscription to access and use certain Site content. Subscriptions must be paid in full prior to accessing the content and will be renewed automatically unless cancelled by you. We have the right to cancel your subscription and disable any Username or Password at any time if, in our opinion, you have violated any provision of these Terms of Use.

As consideration for any purchase you make on the Sites, you shall pay Pivirotto Resource Group all applicable fees and taxes. I (or my third-party payment processor) shall authorize your credit card, bank account, or other approved payment facility you provided during the registration process for the full payment of the fees and any applicable taxes, and you hereby consent to the same. You represent and warrant that if you are making online payments that (i) any credit card, debit card and bank account information you supply is true, correct and complete, (ii) charges incurred by you will be honored by your credit/debit card company or bank, (iii) you will pay the charges incurred by you in the amounts posted, including any applicable taxes, and (iv) you are the person in whose name the card was issued and you are authorized to make a purchase or other transaction with the relevant credit card and credit card information. Although we accept payments through this Sites, we do not collect or store any credit card numbers. That information is collected and maintained by our third-party credit card processor.

The Sites contains material, both free and paid as products for sale, such as videos, workbooks, templates, checklists, coursework, lesson plans, training modules, photographs, software, text, graphics, images, sound recordings, and other material provided by or on behalf of Pivirotto Resource Group (collectively referred to as the "Content"). The Content may be owned by me or third parties. The Content is protected under both United States and foreign laws. Unauthorized use of the Content may violate copyright, trademark, and other laws. Visitors may view all publicly-available Content for their own personal, non-commercial use. Registered Users who have purchased any product or service, may download onto their own machines and view, modify, print, and distribute to their plan sponsor prospects and clients only, any Content contained in such purchased product or service for their own personal use. Pivirotto Resource Group retains all right, title, and interest, including all copyright and intellectual property rights, in and to the Content.

The information provided in or through the Sites, my Programs, Products, Services, and Program Materials is for educational and informational purposes only and solely as a self-help tool for your own use. To the fullest extent permitted by law, I expressly exclude any liability for any direct, indirect or consequential loss or damage incurred by you or others in connection with my Programs, Products, Services, and Program Materials.

My Sites, Programs, Products, Services, and Program Materials are not to be perceived or relied upon in any way as business, financial or legal advice. The information provided through my Sites, Programs, Products, Services, and Program Materials is not intended to be a substitute for professional advice that can be provided by your own accountant, lawyer, or financial advisor. I am not giving financial or legal advice in any way. You are hereby advised to consult with your own accountant, lawyer or financial 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 I am 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 my Sites, Programs, Products, Services, and Program Materials. You are solely responsible for your results. I cannot and do not guarantee that you will attain a particular result, positive or negative, financial or otherwise, through the use of my Sites, Programs, Products, Services and Program Materials and you accept and understand that results differ for each individual.

Some resources we provide links to are affiliate links, and at no additional cost to you, I may earn a commission if you decide to make a purchase. Please understand that I have experience with all of these companies, and I recommend them because they are helpful and useful, not because of the small commissions I make if you decide to buy something. Please do not spend any money on these products unless you feel you need them or that they will help you achieve your goals.

THE SITES AND THE CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, INCLUDING THAT THE SITES WILL OPERATE ERROR-FREE OR THAT THE SITES, ITS SERVERS, OR THE CONTENT ARE FREE OF COMPUTER VIRUSES OR SIMILAR CONTAMINATION OR DESTRUCTIVE FEATURES. I DISCLAIM ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES' RIGHTS, AND FITNESS FOR PARTICULAR PURPOSE AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

You agree to defend, indemnify and hold us (and any of our affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns) harmless from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the Sites.

My refund policies vary per Program, Product, or Service. Please refer to the Program, Product or Services' page for the specific refund policy or email me at [email protected].

This Agreement and any action related thereto will be governed by the laws of the State of Pennsylvania without regard to its conflict of the law's provisions.

In the event of a dispute arising under or relating to this Agreement, the Content, or the Sites (each, a "Dispute"), either party may elect to finally and exclusively resolve the dispute by binding arbitration governed by the Federal Arbitration Act ("FAA"). IF EITHER PARTY CHOOSES ARBITRATION, NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL, EXCEPT EITHER PARTY MAY BRING ITS CLAIM IN ITS LOCAL SMALL CLAIMS COURT.

Pivirotto Resource Group respects the intellectual property rights of others and attempts to comply with all relevant laws. I will review all claims of copyright infringement received and remove any Content deemed to have been posted or distributed in violation of any such laws. My designated agent under the Digital Millennium Copyright Act: Pivirotto Resource Group | 1140 Thorn Run Rd, #1022, Coraopolis, PA 15108 | [email protected]

My failure to act on or enforce any provision of the Agreement shall not be construed as a waiver of that provision or any other provision in this Agreement. Except as expressly agreed by me and you in writing, this Agreement constitutes the entire Agreement between you and me with respect to the subject matter, and supersedes all previous or contemporaneous agreements, whether written or oral, between the parties with respect to the subject matter.

Pivirotto Resource Group ("Pivirotto Resource Group," "I," "me," or "my") have created this privacy policy (this "Privacy Policy") because I know that you care about how the information you provide to me is used and shared. This Privacy Policy applies to my information collection and use practices. By visiting my Sites, you are agreeing to the terms of this Privacy Policy and the accompanying Terms of Service, both of which govern your use of the Sites.

In the course of operating the Sites and/or interacting with you, I will collect (and/or receive) the following types of information. Personal Information: When you sign up to receive any of my newsletters, respond to a survey, register for a class, or purchase any product or service, you may be required to provide me with personal information about yourself, such as your name, address, email address, and phone number. Order Information: When you place an Order, you must provide me with certain information about the products and services you are seeking to purchase. Billing Information: When you wish to purchase a product or service, you will be required to provide certain information including a debit card number, credit card number, expiration date, billing address, activation codes, and similar information. Billing Information is collected and processed by my third-party payment vendors. From Cookies: I collect information using "cookie" technology. Cookies are small packets of data that a website stores on your computer's or mobile device's hard drive so that your computer will "remember" information about your visit. Third-Party Analytics: I use third-party analytics services (such as Google Analytics) to evaluate your use of the Sites, compile reports on activity, collect demographic data, analyze performance metrics, and collect and evaluate other information relating to the Sites and mobile and Internet usage.

I use the Personal Information, the Order Information, the Billing Information, and the Other Information (collectively, the "Information") to provide my services; to process Orders; to administer my rewards and promotional programs; to maintain and improve my Sites and services to you; to solicit your feedback; and to inform you about my products and services and those of my third-party marketing partners. I use Leadpages, Clickfunnels, Stan Store, Systeme.io, and the email software Aweber for email communication. To manage or stop receiving my newsletters, marketing, and non-transactional emails, please click the clear "Unsubscribe" link which is located at the bottom of every email sent.

I have taken certain physical, electronic, contractual, and managerial steps to safeguard and secure the information I collect from Site Visitors and Registered Users. I cannot guarantee that any information transmitted online is 100% secure.

I do not knowingly collect Personal Information from children under the age of 13 through the Sites. If you are under 13, please do not give me any Personal Information. I encourage parents and legal guardians to monitor their children's Internet usage and to help enforce my Privacy Policy by instructing their children never to provide Personal Information through the Sites without their permission.

If you have any questions about this Privacy Policy or the practices of the Sites, please contact me at: Sharon Pivirotto Pivirotto Resource Group 1140 Thorn Run Rd, #1022 Coraopolis, PA 15108 Email: [email protected]