Terms of Service
The following terms and conditions govern all use of the livwithchange.com website and all content, services and products available at or through the website (taken together, the Website). The Website is owned and operated by Olivia Scobie (“Olivia Scobie “). The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, Olivia Scobie’s Privacy Policy) and procedures that may be published from time to time on this Site by Olivia Scobie (collectively, the “Agreement”).
Please read this Agreement carefully before accessing or using the Website. By accessing or using any part of the web site, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access the Website or use any services. If these terms and conditions are considered an offer by Olivia Scobie , acceptance is expressly limited to these terms. The Website is available only to individuals who are at least 13 years old.
Payment and Renewal.
General Terms. By selecting a product or service, you agree to pay Olivia Scobie at the time of registration Payments are not refundable.
Support. If your service includes access to priority email support. “Email support” means the ability to make requests for technical support assistance by email at any time (with reasonable efforts by Olivia Scobie to respond within one business day) concerning the use of the VIP Services. “Priority” means that support takes priority over support for users of the standard or free livwithchange.com services. All support will be provided in accordance with Olivia Scobie standard services practices, procedures and policies.
Responsibility of Website Visitors. Olivia Scobie has not reviewed, and cannot review, all of the material, including computer software, posted to the Website, and cannot therefore be responsible for that material’s content, use or effects. By operating the Website, Olivia Scobie does not represent or imply that it endorses the material there posted, or that it believes such material to be accurate, useful or non-harmful. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. The Website may contain content that is offensive, indecent, or otherwise objectionable, as well as content containing technical inaccuracies, typographical mistakes, and other errors. The Website may also contain material that violates the privacy or publicity rights, or infringes the intellectual property and other proprietary rights, of third parties, or the downloading, copying or use of which is subject to additional terms and conditions, stated or unstated. Olivia Scobie disclaims any responsibility for any harm resulting from the use by visitors of the Website, or from any downloading by those visitors of content there posted.
Content Posted on Other Websites. We have not reviewed, and cannot review, all of the material, including computer software, made available through the websites and webpages to which livwithchange.com links, and that link to livwithchange.com. Olivia Scobie does not have any control over those non-Olivia Scobie websites and webpages, and is not responsible for their contents or their use. By linking to a non-Olivia Scobie website or webpage, Olivia Scobie does not represent or imply that it endorses such website or webpage. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. Olivia Scobie disclaims any responsibility for any harm resulting from your use of non-Olivia Scobie websites and webpages.
Copyright Infringement and DMCA Policy. As Olivia Scobie asks others to respect its intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by livwithchange.com violates your copyright, you are encouraged to notify Olivia Scobie in accordance with Olivia Scobie’s Digital Millennium Copyright Act (“DMCA”) Policy. Olivia Scobie will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. Olivia Scobie will terminate a visitor’s access to and use of the Website if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of Olivia Scobie or others. In the case of such termination, Olivia Scobie will have no obligation to provide a refund of any amounts previously paid to Olivia Scobie.
Intellectual Property. This Agreement does not transfer from Olivia Scobie to you any Olivia Scobie or third party intellectual property, and all right, title and interest in and to such property will remain (as between the parties) solely with Olivia Scobie . Olivia Scobie, oliviascobie.com, the oliviascobie.com logo, and all other trademarks, service marks, graphics and logos used in connection with oliviascobie.com, or the Website are trademarks or registered trademarks of Olivia Scobie or Olivia Scobie’s licensors. Other trademarks, service marks, graphics and logos used in connection with the Website may be the trademarks of other third parties. Your use of the Website grants you no right or license to reproduce or otherwise use any Olivia Scobie or third-party trademarks.
Changes. Olivia Scobie reserves the right, at its sole discretion, to modify or replace any part of this Agreement. It is your responsibility to check this Agreement periodically for changes. Your continued use of or access to the Website following the posting of any changes to this Agreement constitutes acceptance of those changes. Olivia Scobie may also, in the future, offer new services and/or features through the Website (including, the release of new tools and resources). Such new features and/or services shall be subject to the terms and conditions of this Agreement.
Termination. Olivia Scobie may terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement or your livwithchange.com account (if you have one), you may simply discontinue using the Website. Notwithstanding the foregoing, if you have a paid services account, such account can only be terminated by Olivia Scobie if you materially breach this Agreement and fail to cure such breach within thirty (30) days from Olivia Scobie’s notice to you thereof; provided that, Olivia Scobie can terminate the Website immediately as part of a general shut down of our service. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
Disclaimer of Warranties. The Website is provided “as is”. Olivia Scobie and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither Olivia Scobie nor its suppliers and licensors, makes any warranty that the Website will be error free or that access thereto will be continuous or uninterrupted. You understand that you download from, or otherwise obtain content or services through, the Website at your own discretion and risk.
Limitation of Liability. In no event will Olivia Scobie , or its suppliers or licensors, be liable with respect to any subject matter of this agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any special, incidental or consequential damages; (ii) the cost of procurement for substitute products or services; (iii) for interruption of use or loss or corruption of data; or (iv) for any amounts that exceed the fees paid by you to Olivia Scobie under this agreement during the twelve (12) month period prior to the cause of action. Olivia Scobie shall have no liability for any failure or delay due to matters beyond their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law.
General Representation and Warranty. You represent and warrant that (i) your use of the Website will be in strict accordance with the Olivia Scobie Privacy Policy, with this Agreement and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside) and (ii) your use of the Website will not infringe or misappropriate the intellectual property rights of any third party.
Indemnification. You agree to indemnify and hold harmless Olivia Scobie , its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the Website, including but not limited to your violation of this Agreement.
Miscellaneous. This Agreement constitutes the entire agreement between Olivia Scobie and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of Olivia Scobie , or by the posting by Olivia Scobie of a revised version. Except to the extent applicable law, if any, provides otherwise, this Agreement, any access to or use of the Website will be governed by the laws of the Ontario, Canada, excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in Toronto, Ontario . Except for claims for injunctive or equitable relief or claims regarding intellectual property rights (which may be brought in any competent court without the posting of a bond), any dispute arising under this Agreement shall be finally settled in accordance with the Comprehensive Arbitration Rules of the Judicial Arbitration and Mediation Service, Inc. (“JAMS”) by three arbitrators appointed in accordance with such Rules. The arbitration shall take place in Toronto, Ontario , in the English language and the arbitral decision may be enforced in any court. The prevailing party in any action or proceeding to enforce this Agreement shall be entitled to costs and attorneys’ fees. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; Olivia Scobie may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.
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Privacy Policy
Olivia Scobie (“Olivia Scobie “) operates livwithchange.com and may operate other websites. It is Olivia Scobie’s policy to respect your privacy regarding any information we may collect while operating our websites.
Website Visitors: Like most website operators, Olivia Scobie collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Olivia Scobie’s purpose in collecting non-personally identifying information is to better understand how Olivia Scobie’s visitors use its website. From time to time, Olivia Scobie may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.
Olivia Scobie also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on livwithchange.com blogs/sites. Olivia Scobie only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.
Gathering of Personally-Identifying Information
Certain visitors to Olivia Scobie’s websites choose to interact with Olivia Scobie in ways that require Olivia Scobie to gather personally-identifying information. The amount and type of information that Olivia Scobie gathers depends on the nature of the interaction. For example, we ask visitors who sign up at livwithchange.com to provide a username and email address. Those who engage in transactions with Olivia Scobie are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Olivia Scobie collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with Olivia Scobie . Olivia Scobie does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.
Aggregated Statistics: Olivia Scobie may collect statistics about the behavior of visitors to its websites. Olivia Scobie may display this information publicly or provide it to others. However, Olivia Scobie does not disclose personally-identifying information other than as described below.
Protection of Certain Personally-Identifying Information: Olivia Scobie discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Olivia Scobie’s behalf or to provide services available at Olivia Scobie’s websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Olivia Scobie’s websites, you consent to the transfer of such information to them. Olivia Scobie will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Olivia Scobie discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Olivia Scobie believes in good faith that disclosure is reasonably necessary to protect the property or rights of Olivia Scobie , third parties or the public at large. If you are a registered user of an Olivia Scobie website and have supplied your email address, Olivia Scobie may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with Olivia Scobie and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Olivia Scobie takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
COOKIE POLICY
We use cookies on our sites (www.oliviascobie.com and the subdomains associated with www.oliviascobie.com) (“our site”) for a number of purposes. They help us to provide you with a good experience when you browse our website, and also allow us to improve our site. By continuing to browse the site, you are agreeing to our use of cookies.
A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer’s hard drive.
We use the following cookies:
Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of the e-billing services.
Analytical/performance cookies. They allow us to recognize and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users find what they are looking for easily.
Functionality cookies. These are used to recognize you when you return to our website. This enables us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.
You can find more information about the individual cookies we use and the purposes for which we use them below.
FIRST-PARTY (Olivia Scobie) COOKIES
This website will set some cookies that are essential for the website to operate correctly. These cookies, none of which capture personally identifiable information, are as follows:
Visitor ID – this cookie is a numeric value that identifies unique visitors and provides coherence and consistency to a site visit;
Page Number – this cookie identifies the page you are on;
Session ID – this cookie identifies your website session;
Test – this cookie checks whether or not your browser supports cookies;
THIRD-PARTY COOKIES
Our websites will set several types of third-party cookie, and we do not control the operation of any of them. The third-party cookies which may be set include:
Google Analytics – we use Google Analytics to collect data about website usage. This data does not include personally identifiable information. You can view the Google Privacy Policy here: HTTP://WWW.GOOGLE.COM/POLICIES/PRIVACY/.
Facebook Pixels – we use Facebook Pixels to retarget website users for Facebook ads. This means that if you browse our website, you’re more likely to see our Facebook ads. You can view the Privacy Policy here: HTTPS://WWW.FACEBOOK.COM/POLICY.PHP
Leadpages – we use Leadpages to collect names and email addresses when offering upgraded content in blog posts. This gives us the opportunity to continue to send out content to those people who signed up. This is always a double opt-in option. You can find Leadpages Privacy Policy here: HTTPS://WWW.LEADPAGES.NET/PRIVACY
Askimet – we use Askimet to block spam comments. It’s a plug-in that blocks suspicious comments (including suspicious IP addresses) so that we don’t have to spend huge chunks of time deleting spam comments. You can view their terms of service right here: HTTPS://AKISMET.COM/TOS/
You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.