Terms of Use

TERMS OF USE

On this page you will find our Terms of Use, which are our legal and administrative policies regarding privacy, response time and customer support, copyright, purchases, refunds, our digital and print media policies, and other policies which we utilize in the course of our business. By accessing this site and/or purchasing our products and services you are agreeing to abide by our Terms of Use. If you have any questions about this please email jackie@jackiebrucker.com.

PRIVACY POLICY

Jackie Brucker offers this privacy statement as evidence of our firm, dedicated commitment to customer privacy. Through our online communications we ask visitors for their contact information, such as their name and email address. This information is used to send email updates and special offers or other communication that we from time to time will distribute to our user base. This information is never shared with or divulged to third parties.

Through our shopping cart system, visitors provide their contact information, such as name, email address, and mailing and billing addresses, and financial information, such as credit card numbers. This information is maintained in secure, redundant, encrypted, and protected systems supplied and monitored by our shopping cart provider. We do not maintain any of this information in-house.

SERVICE LEVEL AGREEMENT, CUSTOMER SUPPORT, AND TERMS OF RESPONSE

Our standard response time for emails is within 24 to 48 hours or 1 to 2 business days, with exceptions for holidays and weekends. We do not offer 24×7 customer support and cannot guarantee a reply if request are not sent to our support mailbox, which is jackie@jackiebrucker.com.

Standard policy for refunds and others terms of use applies.

While we do our best to resolve issues, those situations that are caused through a customer’s actions, such as removal or unsubscribing from a list, not reading instructions, not adding our email address to their mailbox as instructed so emails are not received, or incomplete purchases, including ignoring download time limits, can sometimes not be resolved to the customer’s satisfaction.

WE DO NOT OFFER REFUNDS ON LESSONS, COACHING CALLS, INDIVIDUAL SESSIONS, MEETUPS, COURSES, CALLS, OR OTHER ONLINE MEDIA PURCHASE. THERE ARE NO EXCEPTIONS TO THIS POLICY.

These will be addressed on a case by case basis and we do not take responsibility for issues caused by customer actions that are beyond our control. We will make every attempt to ensure that the customer receives their purchase but cannot and will not assume responsibility for situations resulting from customer actions that directly interfere with how a purchase is completed or directly subvert the purchase process. Under no circumstances do we offer full refunds for a program, course, coaching package, or other product purchase that has been completed by the customer. This is not negotiable and any attempts to obtain a refund by issuing a chargeback or false statement against Jackie Brucker will be considered as fraud and legal action will be taken against the customer.

DIGITAL FILE TERMS OF USE & COPYRIGHT NOTICE

All media and print items purchased or otherwise accessed on any website managed by Jackie Brucker are copyrighted material, and are protected by US and international copyright law. Trademarks apply as per US and international trademark law. Registered trademarks are indicated. When you purchase and/or download any of these products you are agreeing to abide by the terms of our File Sharing, Posting, Download, Copyright & Terms Of Use Notice, as described in the next section.

All commercial organizations, persons, or corporations claiming ownership to material that is the intellectual property, under copyright, and/or all published content of Jackie Brucker shall be subject to legal and judicial process and all legal remedies shall be pursued, including damages, under state and federal law. It is illegal to copy someone’s work without permission, to trademark intellectual property that you did not create and do not own, and to claim ownership of any portion of content that is not your original work. We take copyright violation and theft of intellectual property very serious and pursue each case with immediate legal action that will include a Cease and Desist Notice, followed by filing documents for rederess that includes disgorgement of profits, penalties, damages, and Court costs.

FILE SHARING, POSTING, DOWNLOAD, COPYRIGHT & TERMS OF USE NOTICE

All material on any of the websites owned and maintained by Jackie Brucker is copyrighted and protected under US and international copyright law. It is illegal and a violation of US and international copyright laws to share any type of print or digital media files with others, use them outside of the limits of the stated policies, and post them on shared or accessible sites, especially when such activities are expressly and specifically forbidden by the copyright holder.

You are expressly and specifically prohibited from sharing any print or digital media files with anyone, for any reason, posting them on any on-line site, including blogs or cloud-based environments,  or otherwise distributing, sharing, or using them in any form whatsoever. The copy you purchase or have access to as part of a product, course, paid membership or free or paid program is for your personal use only and may not be shared or posted, as noted above, or used as part of a class, seminar, in any program, or with your clients. All file downloads are audited and monitored.

If you choose to disregard our download sharing policy and share  these files you will be charged the full price of the program and/or download, or not less than $100 USD, for every illegal file posting, share, or download, plus attorney fees and applicable Court Costs. We reserve the right to charge penalties based on the statutory limits as set by the Copyright Act, Title 17 of the US Code. We prosecute everyone who violates these policies to the fullest extent of the law.

All content on this website is Copyright (c) 2020 by Jackie Brucker All rights reserved.

ROYALTY AND LICENSING AGREEMENTS

Should you be interested in utilizing any content that you find on this website or have accessed in a paid product, a Royalty and Licensing Agreement may be considered upon written request. Any other use of this content without the express written permission and express consent of Jackie Brucker, as the Owner of Your Well-Finished Life, and author of all content access on its website(s), is considered to be copyright infringement, plagiarism, and theft of intellectual property. In every case, appropriate legal action will be taken and full legal remedies, including damages, disgorgement of earnings, and other available remedies, will be pursued.

MAILING LIST OPT-IN AND OPT-OUT

Our mailing list is achieved through opt-in only practices, this means that visitors must provide their name and email address by entering it into specified places on our website(s). We do not harvest or collect email addresses from other sources and the only way to be on one of our mailing lists is to have manually entered an email address in our sign-up boxes. Any opt-in based subscription is double opt-in, so users must confirm their email address by replying to a confirmation email. There is no other way to be added to our mailing lists.

All of our newsletters and mailings have an ‘opt-out’ link as part of the mailing, in fulfillment of the CAN SPAM and Electronic Privacy and Communications Acts. The user can automatically opt out of receiving further communications from us by clicking the ‘unsubscribe’ link at the bottom of every email. Or they can email us at jackie@jackiebrucker.com to be removed from our mailing list.

CLIENT AND CUSTOMER RESPONSIBILITIES

As a provider of a wide range of services to a global audience we interact with a wide range of customers from all over the world. It is our intention to assist our customers and clients in achieving the results they want with our products and services but we cannot make any guarantees as to how they will use what they learn to create their own transformation.

While we provide an excellent range of services and products that we know are effective and the best in their class, we have expectations of our customers that we will work with.  We reserve the right to terminate client and customer relationships when they violate our terms of service or become a liability to our business. These include, but are not limited to:

We expect customers to be honest and ethical in the use of our products, services, and website. Any attempt to defraud, misrepresent, or misuse our products, services, website, or content in any way will result in immediate legal action and blocking from our website.

We do not tolerate abuse of any kind. Any customer who engages in abuse, insults, or actions that can are defined as defamatory, libelous, or slanderous according to their definition under US Law will be removed from any program or service and legal action will be implemented, when appropriate.

Customers in coaching and other programs who share program, course, or other materials with others, in violation of our download and file sharing policies, will be removed from the program without refund and will be prosecuted for copyright violation and theft of intellectual property. All of our content is proprietary and comprises significant business assets whose dilution results in the loss of profits and damage to our business.

REFUND POLICY

Please read this policy carefully as it governs how Jackie Brucker, addresses the issue of product returns, refunds, and credit card chargebacks. By accessing a purchase, downloading a file, or interacting with this website and completing a purchase you are legally agreeing to this refund policy and to abide by it. Refunds must be manually processed and you may be charged an administrative fee of $50 to process a refund.

Product Returns

Returns of any physical product are accepted only if the product is defective in some way. Each physical product shipped is inspected and warranted to be free from defects. In the event a product is defective, which is determined to be as described below for different product types that are sold on the Jackie Brucker websites(s):

CDs and digital products in hard copy format (not MP3 or downloads) a return is considered if  product does not play, is blank, or is damaged in shipment and rendered unplayable. Upon your emailed or written request, a new product will be shipped to you using our standard mailing processes (US first class domestic and international priority mail). We will only ship one replacement product for a defective product. If this still does not meet your satisfaction then your will be offered a digital version of the product for download or a credit to use towards another product in our store.

Digital products, which includes MP3 downloads and e-books, either individually or as part of a paid course or program, are not eligible for a refund under any circumstances. If you are unable to download your product please email jackie@jackiebrucker.com because your download failed, you missed the download deadline, or you were unable to download the file. You will receive a temporary link for an additional, one-time download.

We do not offer technical support for download products, other than download instructions for PC and Mac users. You should refer to your owner’s guide for your personal digital media device, such as a phone, tablet, or iPad.

How refunds are administered

Refunds are provided in accordance with our stated refund terms and are processed within 3 to 5 business days of your request. The following policies govern refunds by product or service type:

Consultations:  Refunds for services such as individual consultations and readings are not provided under any circumstances. There are no exceptions to this policy.

If you have completed three or more sessions of a 4 or 6 session coaching package, no refund will be provided.
Your refund will include a minimum $50 administrative fee as refunds must be processed manually and involved a significant amount of administrative effort. Should the refund process require multiple emails, communication, and dealing with abusive client behavior, we reserve the right to charge a higher fee or refuse the refund altogether.

Programs:  Programs may  include audio and .pdf files, as well as individual and group coaching options. Once a program page has been accessed by the user, he/she is considered as having participated in the program. Any refund, if considered, will be prorated to reflect file access and downloads, as well as coaching services already delivered, as detailed in the “Coaching Packages” section above. The full cost of the audio/pdf portion of the program will be deducted from any refund, plus an administrative fee of not less than $50, at our discretion and depending on the amount of time and effort expended in processing client emails and the refund. We do not offer full refunds at the full price of any purchased programs. This policy is not negotiable.

Downloads are monitored by user IP address on our servers and proof of download will be provided to customer if requested. Once files are downloaded they are considered to be purchased and all refund policies for digital files apply.

Digital and media file purchases will not be refunded as they are available as instant downloads and delivered after purchase. This also applies to programs that include downloadable media files, such as audios, videos, and  .pdf documents, which are available to the purchaser for their use. Once a program is accessed and the files available, a purchase has been completed and the customer has access to the files. Purchase is considered to be complete and refunds are not provided on materials that the customer has received. There are no exceptions to our refund policy as it applies to digital media.

Teleseminars:  Refunds for teleseminars are not provided under any circumstances. Calls are recorded and those are available to all purchasers. If you do not download the recording prior to its expiration, which is clearly stated in the teleclass and its accompanying materials, you may request that the file be sent to you electronically or in hard copy at an additional charge. You should send all such requests to jackie@jackiebrucker.com.

Multiple refund requests:  Customers who request two or more refunds for products or services will be barred from further purchases on our website. If a customer schedules multiple coaching or intuitive sessions, then cancels and requests a refund, that customer will no longer be allowed to purchase sessions. Processing refunds requires administrative and manual input and multiple refunds indicates a lack of commitment in the customer and we cannot accommodate the abuse of our administrative staff. While extraordinary circumstances are taken into consideration, we treat multiple refund requests as being an abuse of our resources and, after issuing the refund as per our stated guidelines, will bar that customer from using our website and purchasing our products and services.

CHARGEBACKS

The charge that will appear on your credit card statement will be made to Jackie Brucker. If you place a chargeback with your credit card company (on purpose or by mistake) for any order including recurring orders that you placed and received, there will be a $75.00 research fee charged to your account upon receiving the chargeback by our merchant provider to cover our investigative expenses to prove that you did make the purchase. THERE ARE NO EXCEPTIONS TO THIS POLICY If you do not remember making the purchase – call the number on your statement next to the charge BEFORE calling your bank or submit a support request at jackie@jackiebrucker.com. You may call us at the number posted on our website if you have questions about your purchase.

Jackie Brucker  does not tolerate credit card fraud, and all fraud, without exception, will be prosecuted to the full extent of the law. In addition, we will pursue civil legal action seeking any loss of income related to the fraud, including business revenues, legal fees, research costs, employee down time, and loss of revenues.

Jackie Brucker considers credit card chargebacks to be fraud if you have made no reasonable effort to work with us to resolve any problems with your purchase. All chargebacks require extensive administrative time to process and take them away from our usual and customary matters of conducting normal business, as they are time intensive, therefore:

You agree that if you, the buyer, choose to do business with Jackie Brucker, and you file a chargeback with your credit card company, and you do not win the charge back argument, you agree to pay us $75 for our time spent responding to the credit card company to resolve this matter. We are obligated to respond to and resolve every chargeback.

You, the buyer authorize us to charge the amount of your purchase to your credit card. If this charge is rejected, Jackie Brucker will pursue legal action to recoup losses for our time associated with responding to the charge back in addition to any other fees explained above. You agree to reimburse us or any representative we may appoint for any legal expenses your actions may make us incur. We take fraud seriously. If any provision of this Agreement is deemed illegal, invalid, or unenforceable, the remaining provisions shall remain in full force and effect. The waiver of a breach hereunder does not waive any other or subsequent breach.

In the event that you win the charge back with your credit card company, and have not submitted a ticket to our support site prior to issuing a chargeback, Jackie Brucker will attempt to recover a research fee plus additional costs via a third-party collection agency and your account will be reported to all credit bureaus as a delinquent collection account. This may severely damage your credit rating for at least the next seven (7) years.

Customers who initiate chargebacks are removed from our customer lists and blocked from further purchases from our websites. Any person who violates the terms and conditions of our business policies, as stated and defined here, are also removed from all customer and mailing lists and blocked from making further purchases on our websites.

Note: The customer must attempt to contact us via email or any existing ticket system before attempting a chargeback. THERE ARE  NO EXCEPTIONS TO THIS POLICY!

DISCLAIMER

None of our products or services is accompanied by any guarantee of results. We cannot guarantee results for any customer or client because that is entirely dependent on their level of commitment and desire for change. Any stated or posted testimonials for results have come from customers, students, and clients who have completed sessions, work, or programs with Jackie Brucker and are sharing their unique, individual results. Under no circumstances do we guarantee or state that these results can be replicated by others. Transformation, success, and life changes require a high level of commitment, discipline, and desire which ultimately are up to the individual to implement in their lives. Our services and products are not to be considered a replacement for mental or medical advice or services.

CONTACT

Any questions about our privacy statement, mailing practices, refunds, returns, chargebacks or interactions with this website should be directed to jackie@jackiebrucker.com.