NOTICE: These Terms of Use are legally binding. It is Your responsibility to read these Terms of Use carefully prior to purchase, use, or access of any of our products, including online courses, digital products, memberships and etc.

Date of last update: 31 MARCH 2024

GENERAL PROVISIONS

This website is owned and operated by OBSIDIAN GUIDANCE/MARIA KRISTINA AGUSTIN, a PHILIPPINE COMPANY AND RESIDENT.

You must be at least eighteen years of age to use Our website. Use of this website is at Your own risk. We host Our site on a reputable platform and take reasonable efforts to maintain and host the site. However, We make no explicit representations or warranties as to the safety of Your individual use of the website. The Terms of Use contained on this page are subject to change at any time.

SECURITY

We do not store any whole credit card numbers or payment information, and instead, these are processed through third-party processors such as Stripe, Paypal. By utilizing these payment processors to gain access to the Offering, You indemnify Us and instead assume any and all risk or liability for the security of the payment details, and agree to be bound by the third-party payment processor’s applicable terms and conditions of use.

CONFIDENTIALITY

You should not expect your information to be kept confidential unless we explicitly promise confidentiality in a separate client agreement or as required by the law or ethical responsibilities.

ASSUMPTION OF RISK

When you access our offerings, whether you pay for them or not, you take on all the risk associated with your access and any actions you choose to take based on the information or materials provided.

YOUR COMMUNICATIONS

Any messages you send through our website, including our contact forms, blog comments, newsletter sign-up, or directly to our phone or email, are not treated as private or confidential. They can be seen and shared by third parties. We own all the content displayed on our website, including your comments, emails, or other messages, according to Philippine law. We do not provide credit or pay royalties for unsolicited user-generated content like blog comments or emails. We have the right to republish any submissions you make if it's necessary for our business operations. You should not submit content or messages that could be illegal, false, obscene, abusive, or otherwise harmful or inappropriate.

Our website and materials are meant for learning and getting information. If you use our website and face any problems, you agree not to hold us responsible for any losses, including those caused by technical issues like payment errors or system failures. While we may talk about results or situations on our website, we can't promise that everything we mention is true or that it will work for you. If you have medical, legal, or financial questions, it's best to ask a professional like a doctor, lawyer, or financial advisor. We're not responsible for any choices you make after using our website, materials, products, or courses. We update our website regularly, but we can't guarantee that everything here is completely accurate or up-to-date. You understand that you're using the information here at your own risk. If you spot any mistakes and want to tell us, please email us at connect@tetzagustin.com

THIRD PARTY DISCLAIMER

You acknowledge and agree that We are not liable for any defamatory, offensive, or illegal conduct of any other participant or user, including You.

WARRANTIES

WE MAKE NO WARRANTIES AS TO OUR PROGRAMS, PRODUCTS, SERVICES, OR PROGRAM MATERIALS. YOU AGREE THAT PROGRAMS, PRODUCTS, SERVICES, OR PROGRAM MATERIALS ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PROGRAMS, PRODUCTS, SERVICES, OR PROGRAM MATERIALS WILL BE FUNCTIONAL, UNINTERRUPTED, CORRECT, COMPLETE, APPROPRIATE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THE WEBSITE, OR CONTENT ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF OUR PROGRAM, PRODUCT, OR SERVICES MATERIALS, OR ON THIRD-PARTY WEBSITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY, OR OTHERWISE.

TERMINATION

If at any time We feel You have violated these Terms, then We shall immediately terminate Your use of Our website and any related communications as We deem appropriate. It is within Our sole discretion to allow any user’s access of Our website, and We may revoke this access at any time without notice, and if necessary, block Your IP address from further visits to Our site(s).

ENTIRE AGREEMENT

Before You register with Our website or make any purchases therefrom, You will be asked to consent to Our Privacy Policy. If You have consented, or once You do consent, the terms of the Privacy Policy together with these Terms, the information contained herein constitutes the entire agreement between site users and Our company relating to the use of this website.

REFUND POLICY

Due to the instant nature of this transaction, I cannot offer refunds or exchanges. If you have any problems with a download or file, please contact me and I’ll do anything I can to help you. This purchase is a digital INSTANT DOWNLOAD, no physical copy will be shipped. If you have any concerns and questions prior to booking any of our offers, please book a free consultation call prior because again, we do not offer refunds or exchanges of any nature.

MODIFICATIONS TO THE SERVICE AND PRICES

Prices for our products are subject to change without notice.

We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.

We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.

This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

LAW AND JURISDICTION

These Terms of Use and Privacy Policy are governed by and construed in accordance with Philippine law. Any dispute arising out of or related to the information contained herein is subject to adjudication in Metro Manila, Philippines.

CONSENT

By using Our website, You hereby consent to Our Terms of Use and Privacy Policy.

ALL RIGHTS RESERVED

All rights not expressly granted in these Terms and Conditions of Use and Privacy Policy or any express written here, are reserved by Obsidian Guidance and Maria Kristina Agustin.

SEVERABILITY

If any part of these Terms of  Use and Privacy Policy is deemed unlawful and/or unenforceable, all other provisions contained herein will remain in full force and effect.

CONTACT INFORMATION

EMAIL: connect@tetzagustin.com