Business Disclaimer for Turning Point Services, Ltd.
The website is owned by Turning Point Services, LTD.
By viewing this website or anything made available on or through this website, including but
not limited to programs, products, services, opt-in gifts, e-books, videos, webinars, blog posts,
e-newsletters, consultations, e-mails, social media and/or other communication (collectively
referred to as “Website”), you are agreeing to accept all parts of this Disclaimer. Thus, if you do
not agree to the Disclaimer below, STOP now, and do not access or use this Website.
For Educational and Informational Purposes Only.
The information provided in or through this Website is for educational and informational
purposes only and solely as a self-help tool for your own use.

Not Medical, Mental Health, or Religious Advice.
I am not, nor am I holding myself out to be a doctor/physician, nurse, physician’s assistant,
advance practice nurse, or any other medical professional (“Medical Provider”). Although I am a
licensed clinical social worker in the states of Ohio (active) and Maryland (active), I am not
practicing as a Mental Health Provider within the context of the coaching relationship. As a
Professional Coach, I am not providing health care, medical or nutritional therapy services, or
attempting to diagnose, treat, prevent or cure any physical, mental or emotional issue, disease
or condition. The information provided in or through my Website pertaining to your business,
your career, or any other aspect of your life is not intended to be a substitute for the
professional medical advice, diagnosis or treatment provided by your own Medical Provider or
Mental Health Provider. You agree and acknowledge that I am not providing medical advice,
mental health advice, or religious advice in any way. Always seek the advice of your own
Medical Provider and/or Mental Health Provider regarding any questions or concerns you have
about your specific health or any medications, herbs or supplements you are currently taking
and before implementing any recommendations or suggestions from our Website. Do not
disregard medical advice or delay seeking medical advice because of information you have read
on this Website. Do not start or stop taking any medications without speaking to your own
Medical Provider or Mental Health Provider. If you have or suspect that you have a medical or
mental health problem, contact your own Medical Provider or Mental Health Provider
promptly. The information contained on this Website has not been evaluated by the Food and
Drug Administration.

Not Legal or Financial Advice.
I am not an attorney, accountant or financial advisor, nor am I holding myself out to be. The
information contained in this Website is not intended to be a substitute for legal or financial
advice that can be provided by your own attorney, accountant, and/or financial advisor.
Although care has been taken in preparing the information provided to you, I cannot be held
responsible for any errors or omissions, and I accept no liability whatsoever for any loss or
damage you may incur. Always seek financial and/or legal counsel relating to your specific
circumstances as needed for any and all questions and concerns you now have, or may have in
the future. You agree that the information on our Website is not legal or financial advice.

Personal Responsibility.
You aim to accurately represent the information provided to us on or through our Website. You
acknowledge that you are participating voluntarily in using our Website and that you are solely
and personally responsible for your choices, actions and results, now and in the future. You
accept full responsibility for the consequences of your use, or non-use, of any information
provided on or through this Website, and you agree to use your own judgment and due
diligence before implementing any idea, suggestion or recommendation from my Website to
your life, family or business.
No Guarantees.

My role is to support and assist you in reaching your own goals, but your success depends
primarily on your own effort, motivation, commitment and follow-through. I cannot predict and
I do not guarantee that you will attain a particular result, and you accept and understand that
results differ for each individual. Each individual’s results depend on his or her unique
background, dedication, desire, motivation, actions, and numerous other factors. You fully
agree that there are no guarantees as to the specific outcome or results you can expect from
using the information you receive on or through this Website.
Earnings Disclaimer.

Any earnings or income statements or examples shown through our Website are only
estimates of what might be possible now or in the future. There can be no assurance as to any
particular financial outcome based on the use of our Website. You agree that I am not
responsible for your earnings, the success or failure of your personal or 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 our Website. You are solely
responsible for your results.
Testimonials.

I present real world experiences, testimonials, and insights about other people’s experiences
with my Website for purposes of illustration only. The testimonials, examples, and photos used
are of actual clients and results they personally achieved, or they are comments from
individuals who can speak to my character and/or the quality of my work. They are not
intended to represent or guarantee that current or future clients will achieve the same or
similar results; rather, these testimonials represent what is possible for illustrative purposes
only.

Assumption of Risk.
As with all situations, there are sometimes unknown individual risks and circumstances that can
arise during use of my Website that cannot be foreseen that can influence or reduce results.
You understand that any mention of any suggestion or recommendation on or through my
Website is to be taken at your own risk, with no liability on my part, recognizing that there is a
rare chance that illness, injury or even death could result, and you agree to assume all risks.
Limitation of Liability.

By using this Website, you agree to absolve me of any liability or loss that you or any other
person may incur from use of the information, products or materials that you request or
receive through or on my Website. You agree that I will not be liable to you, or to any other
individual, company or entity, for any type of damages, including direct, indirect, special,
incidental, equitable or consequential loss or damages, for use of or reliance on my Website.
You agree that I do not assume liability for accidents, delays, injuries, harm, loss, damage,
death, lost profits, personal or business interruptions, misapplication of information, physical or
mental disease or condition or issue, or any other type of loss or damage due to any act or
default by me or anyone acting as our agent, consultant, affiliate, joint venture partner,
employee, shareholder, director, staff, team member, or anyone otherwise affiliated with my
business or me, who is engaged in delivering content on or through this Website.
Indemnification and Release of Claims.

You hereby fully and completely hold harmless, indemnify and release me and any of my
agents, consultants, affiliates, joint venture partners, employees, shareholders, directors, staff,
team members, or anyone otherwise affiliated with my business or me from any and all causes
of action, allegations, suits, claims, damages, or demands whatsoever, in law or equity, that
may arise in the past, present or future that is in any way related to my Website.
No Warranties.

I MAKE NO WARRANTIES RELATED TO THE PERFORMANCE OR OPERATION OF MY WEBSITE. I
MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE
INFORMATION, CONTENT, MATERIALS, PROGRAMS, PRODUCTS OR SERVICES INCLUDED ON OR
THROUGH THE WEBSITE. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, I DISCLAIM
ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
Errors and Omissions.

Although every effort is made to ensure the accuracy of information shared on or through this
Website, the information may inadvertently contain inaccuracies or typographical errors. You
agree that I am not responsible for the views, opinions, or accuracy of facts referenced on or
through my Website, or of those of any other individual or company affiliated with my business
or me in any way. Because scientific, technology and business practices are constantly evolving,
you agree that I am not responsible for the accuracy of my Website, or for any errors or
omissions that may occur.

No Endorsement.
References or links in my Website to the information, opinions, advice, programs, products or
services of any other individual, business or entity does not constitute my formal endorsement.
I am merely sharing information for your own self-help only. I am not responsible for the
website content, blogs, e-mails, videos, social media, programs, products and/or services of any
other person, business or entity that may be linked or referenced in my Website. Conversely,
should my Website link appear in any other individual’s, business’s or entity’s website,
program, product or services, it does not constitute my formal endorsement of them, their
business or their website either.

From time to time, I may promote, affiliate with, or partner with other individuals or businesses
whose programs, products and services align with mine. In the spirit of transparency, I want
you to be aware that there may be instances when I promote, market, share or sell programs,
products or services for other partners and in exchange I may receive financial compensation or
other rewards. Please note that I am highly selective and I only promote the partners whose
programs, products and/or services I respect. At the same time, you agree that any such
promotion or marketing does not serve as any form of endorsement whatsoever. You are still
required to use your own judgment to determine that any such program, product or service is
appropriate for you. You are assuming all risks, and you agree that I am not liable in any way for
any program, product or service that I may promote, market, share or sell on or through my
Website.

Contact Me.
By using my Website you are agreeing to all parts of the above Disclaimer. If you have any
questions about this Disclaimer, please contact me at info@ritaabdallah.com
TERMS AND CONDITIONS OF USE FOR TURNING POINT SERVICES,
LTD. (4 pages)
Last Updated on September 20, 2020.
NOTICE: These Terms and Conditions of Use are legally binding. It is Your responsibility to read
these Terms and Conditions of Use carefully prior to purchase, use, or access of any of Our
products, including online courses.

GENERAL PROVISIONS
This website is owned and operated by Turning Point Services, Ltd., an Ohio company. Our
principal place of business is located at P.O. Box 351, Avon Lake, Ohio 44011.
You must be at least fifteen 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 and Conditions contained on this page are subject to
change at any time.

INTELLECTUAL PROPERTY NOTICE
All images, text, designs, graphics, trademarks, and service marks are owned by and property of
Turning Point Services, Ltd. or the properly attributed party. It is a violation of federal law to
use any of Our intellectual property in whole or in part, and modification of any materials
contained on this site is illegal and may be prosecuted to the fullest extent permissible should
We choose to do so, including asking for financial penalties (damages) and/or an injunction
forcing You to stop using Our intellectual property immediately.
You may use Our intellectual property with clear and obvious credit back to Our site, as well as
links back to the page where the materials, designs, images, text, quote, or post is located when
it is appropriate to do so. However, You may never claim any of Our intellectual property as
Your own or Your unique creation, even with attribution.

SECURITY AND ASSUMPTION OF RISK
SECURITY
It is Your responsibility to secure Your username and password from theft or any other means
of unauthorized use that would violate these Terms and Conditions of Use. We do not store any
whole credit card numbers or payment information, and instead, these are processed through
third-party processors such as Stripe or 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 have no right to confidentiality unless otherwise explicitly stated, such as in a subsequent
client agreement, or otherwise implicitly agreed upon as mandated by law or fiduciary duty.

ASSUMPTION OF RISK
By accessing Our Offering and/or related materials, whether paid or unpaid, You assume all the
risk of Your access and any subsequent actions You choose to take as a result of the influence,
information, or educational materials provided to You.

YOUR COMMUNICATIONS
Any communications made through Our ‘contact’, blog, blog comments, newsletter sign up, or
other related pages, or directly to Our phones or mailing or email addresses is not held
privileged or confidential and is subject to viewing and distribution by third parties. We own
any and all communications displayed on Our website, servers, comments, emails, or other
media as allowed by the United States of America law, and will not give credit or pay royalties
for unsolicited user-generated content such as blog comments or emails. For more information
on when and how We store and use Your communications or any data provided by You in those
communications, please refer to Our Privacy Policy on this page.
We maintain a right to republish any submission in whole or in part as reasonably necessary in
the course of Our business. You agree not to submit any content or communications that could
be illegal or serve an unlawful purpose, including, but not limited to communications that are
potentially libelous or maliciously false, obscene, abusive, negligent, or otherwise harmful or
inappropriate.

DISCLAIMERS
Our website and related materials are provided for educational and
informational use only. You agree to indemnify and hold harmless Our website
and company for any direct or indirect loss or conduct incurred as a result of
Your use of Our website and any related communications, including as a result
of any consequences incurred from technological failures such as a payment
processor error(s) or system failure(s).
While We may reference certain results, outcomes or situations on this website, You
understand and acknowledge that We make no guarantee as to the accuracy of third-party
statements contained herein or the likelihood of success for You as a result of these statements
or any other statements anywhere on this website. If You have medical, legal, or financial
questions, You should consult a medical professional, lawyer, or CPA and/or CFP respectively.
We expressly disclaim any and all responsibility for any actions or omissions You choose to
make as a result of using this website, related materials, products, courses, or the materials
contained herein.
This website is updated on a regular basis and while We try to make accurate
statements in a timely and effective manner, we cannot guarantee that all
materials and related media contained herein are entirely accurate, complete,
or up to date. You expressly acknowledge and understand that any information
or knowledge You gain as a result of using this website is used at Your own risk.
If You should see any errors or omissions and would like to let Us know, please
email Us at info@ritaabdallah.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 DISCLAIMER
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.
INDEMNIFICATION, LIMITATION OF LIABILITY, AND RELEASE OF
CLAIMS

AFFILIATES
This site may use affiliate links to sell certain products or services. We disclaim any and all
liability as a result of Your purchase through one of these links. We will use reasonable efforts
to notify You when and where We have placed affiliate links in addition to this disclaimer
located in these Terms and Conditions. You accept express liability for any and all consequences
or benefits of clicking the affiliate links contained on this website or related communications.

TERMINATION
If at any time We feel You have violated these Terms and Conditions, 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 and Conditions, the information contained herein
constitutes the entire agreement between site users and Our company relating to the use of
this website.

LAW AND JURISDICTION
These Terms and Conditions of Use and Privacy Policy are governed by and construed in
accordance with the United States of America law. Any dispute arising out of or related to the
information contained herein is subject to adjudication in the state of Ohio, County of Lorain,
the United States of America.

CONSENT
By using Our website, You hereby consent to Our Terms and Conditions of Use and Privacy
Policy.
If You require any more information or have any questions about Our Terms and Conditions of
Use, or Our Privacy Policy, please feel free to contact Us by email at info@ritaabdallah.com.

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 Company.
SEVERABILITY
If any part of these Terms and Conditions 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: info@ritaabdallah.com
Address: P.O. Box 351, Avon, Ohio 44012
Health Disclaimer for Turning Point Services, Ltd. (2 pages)
Last Updated on September 20, 2020

  1. Credit
    1.1 This document was created using a template from SEQ Legal (https://seqlegal.com).
    You must retain the above credit. Use of this document without the credit is an infringement of
    copyright. However, you can purchase from us an equivalent document that does not include
    the credit.
  2. No advice
    2.1 Our website contains general medical information.
    2.2 The medical information is not advice and should not be treated as such.
  3. No warranties
    3.1 The medical information on our website is provided without any representations or
    warranties, express or implied.
    3.2 Without limiting the scope of Section 3.1, we do not warrant or represent that the medical
    information on this website:
    (a) will be constantly available, or available at all; or
    (b) is true, accurate, complete, current or non-misleading.
  4. Medical assistance
    4.1 You must not rely on the information on our website as an alternative to medical advice
    from your doctor or other professional healthcare provider.
    4.2 If you have any specific questions about any medical matter, you should consult your doctor
    or other professional healthcare provider.
    4.3 If you think you may be suffering from any medical condition, you should seek immediate
    medical attention.
    4.4 You should never delay seeking medical advice, disregard medical advice or discontinue
    medical treatment because of information on our website.
  5. Interactive features
    5.1 Our website includes interactive features that allow users to communicate with us.
    5.2 You acknowledge that, because of the limited nature of communication through our
    website’s interactive features, any assistance you may receive using any such features is likely
    to be incomplete and may even be misleading.
    5.3 Any assistance you may receive using any our website’s interactive features does not
    constitute specific advice and accordingly should not be relied upon without further
    independent confirmation.
  6. Limits upon exclusions of liability
    6.1 Nothing in this disclaimer will:
    (a) limit or exclude any liability for death or personal injury resulting from negligence;
    (b) limit or exclude any liability for fraud or fraudulent misrepresentation;
    (c) limit any liabilities in any way that is not permitted under applicable law; or
    (d) exclude any liabilities that may not be excluded under applicable law.
  7. Our details
    7.1 This website is owned and operated by Turning Point Services, Ltd.
    7.2 Our principal place of business is at P.O. Box 351, Avon, OH 44011.
    7.3 You can contact us:
    (a) by post, to [the postal address given above];
    (b) using our website contact form; or
    (c) by telephone, on the contact number published on our website from time to time.
    Please note that the content of this page can change without prior notice.
    All Rights Reserved.
    No portion of this document may be copied or used by anyone other than the licensee without
    the express written permission of the owner.