Legal Terms, Conditions & DIsclaimers

Last Updated: February 11, 2025

These Terms, Conditions and Disclaimers (“Terms”) govern your access to this website (www.JoywithSev.com), our social media channels, and all associated digital web pages related to Sev Consulting Intl, including the Sev Joy brand (hereinafter the “Business”, “we,” “our,” or “us”).

We operate this website, all associated web pages, our social media channels, and all affiliated subdomains such as be.joywithsev.com located at or through www.JoywithSev.com (this “Site”). These Terms and Conditions are a binding legal contract between you and us (“Agreement”).

By visiting or using this Site, our associated digital pages, our social media channels, or by purchasing any product or service made available through the Site, our associated digital web pages and/or our social media channels (“Product”), you actively engage in our product and services offerings herein collectively referred to as “Service”, and you hereby accept and agree to be bound by this Agreement.

Please read these Terms carefully before accessing or using our Site, any sister websites, our social media channels, and any associated digital pages. Do not continue to use the Site, any sister websites, our social media channels, or any associated digital pages if you do not agree to and accept all of the Terms stated on this page.

IMPORTANT NOTICE: YOUR USE OF THIS SITE, OUR SOCIAL MEDIA CHANNELS AND ANY ASSOCIATED DIGITAL WEB PAGES, AND YOUR PURCHASE OF OUR PRODUCTS AND SERVICES WHETHER ONLINE OR IN PERSON, ARE SUBJECT TO A MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER SET FORTH IN THE SECTION OF THIS AGREEMENT TITLED “Dispute Resolution by Binding Arbitration and Class Action Waiver,” WHICH REQUIRES YOU TO ARBITRATE DISPUTES WITH US ON AN INDIVIDUAL AND CASE-BY-CASE BASIS UNLESS YOU OPT OUT AS EXPLAINED IN THE SECTION REFERENCED HEREIN.

1. Introduction

The Site is owned and operated by Sev Consulting Intl in its entirety as the Business, and is offered subject to your acceptance, without modification, of all the terms, conditions and disclaimers contained herein, and all other operating policies (including, without limitation, the Business’s Privacy Policy) that may be published from time to time on this Site, on our social media channels, through Sev Joy email notifications, or by any other associated pages related to the Sev Joy brand.

This is a legally binding agreement. Please read it in full before using this Site, any associated digital pages or our social media channels; and before signing up for any consulting services, group programs, private mentoring and strategy services, online masterclasses or courses, or hiring Sev to speak at any events, whether online or in person.

This website is made available to you on the following conditions, and you hereby consent to these Terms by continuing to use the site. Please read them carefully and, if you disagree with any, navigate away from the site.

By accessing or using any part of our website (https://www.joywithsev.com/) and any associated digital pages, you hereby agree to become bound by the terms and conditions of this Agreement. If you do not agree to all the Terms, conditions and disclaimers outlined within this Agreement, then you must not access this Site or use any of our Sev Joy products or services. If these terms and conditions are considered an offer by Sev Consulting Intl, the Business, or by Sev Joy in her personal capacity, then your acceptance is limited to these Terms. This Site and all associated digital web pages is available only to individuals who are seventeen (17) years and older.

2. Clients and Customers

“Client” refers to those who have paid for a Professional-Client Relationship with us (see below for further clarification).

“Customer” refers to those who have purchased products (whether digital or physical) from us.

Collectively, and for the purposes of these Terms, both Clients and Customers are hereinafter referred to as “Clients” for the Business.

Any use of the above terminology or other words in the singular, plural, capitalization, and/or, he/she or they are taken as interchangeable and therefore as referring to same.

3. Privacy Policy

To find out more about how we manage the information that we learn about visitors to this Site, our associated digital pages, and our social media channels (whether as guest users or Clients), please visit our Privacy Policy page.

4. Your Use of this Site

Your access to and use of this Site as well as any associated digital web pages and our social media channels, as well as your access to and use of all content, resources and material shared through any of the aforementioned digital avenues as operated and shared by the Business at any time (whether now or in the future) is subject to the following terms, conditions and disclaimers (“Terms”) and all applicable laws.

By using this Site and any associated digital pages or our social media channels, you signify your understanding and acceptance of, and consent to (without limitation or qualification) all Terms contained herein and on our Privacy Policy. If you do not agree to these Terms, our Privacy Policy or any of our conditions or disclaimers, please do not use this Site or any other associated digital pages or social media channels.

By using this Site and all associated digital web pages and social media channels, you hereby acknowledge that any other agreements between you, the Business, or any of its owners, officers, trustees, employees or representatives – as well as your use of this Site – are superseded and of no force or effect; and that these Terms constitute a tacit Agreement (this “Agreement”) between yourself, the Site, Ms Sev Joy as the current business owner, founder and CEO. We may revise this Agreement at any time, and the use of the Site (and all associated digital pages and social media channels) after such changes are posted will automatically indicate your agreement to the revised terms and all associated conditions and disclaimers thereto. Thus, we recommend that you visit this page periodically to review this Agreement.

The disclaimers, along with these Terms and our Privacy Policy, governs your access to and use of the Site and all associated digital pages and social media channels, including all content, resources, downloadable material, graphics, software, products, offers, programs and services offered on or through https://www.joywithsev.com/ (whether as a guest user, registered user, Client, Affiliate, Brand Partner or Member in any capacity).

By accessing and using the Site and all associated digital pages and social media channels, and by downloading or purchasing any of our content, resources, products, offers or services related thereto, or by clicking to accept and agree to these Terms when this option is made available to you, you hereby understand, accept and agree to be bound and abide by all Terms, our Privacy Policy and our disclaimers. If you do not want to agree to our Privacy Policy, our Terms of Use or the conditions and disclaimers herein, then you must not access or use this Site or any of our associated digital pages or social media channels.

By actively making a booking with us, whether online or in person (for example, booking a 30min complimentary consult), you hereby affirm that you clearly understand, accept and agree to all the Terms related to the Business as well as the terms of our Privacy Policy and disclaimers. Your statutory consumer rights remain unaffected.

All Terms contained herein by default refer to the eventual offer, acceptance of and consideration of payment necessary to undertake the process of assisting you as a Client in a Professional-Client capacity with the Business in the most appropriate manner. This includes whether the exchange between ourselves and our Clients occur by way of booked introductory meetings, live events and speaking engagements, virtual consulting and mentoring, lifestyle strategy sessions of a fixed duration, or by any other service or product solutions we offer for the express purpose of meeting our Clients’ needs in respect of the provision of our stated mentoring, consulting, coaching and advisory solutions, all in accordance with and subject to prevailing law.

This Agreement does not transfer from the Business to you any Sev Joy brand, Business, or any other third party intellectual property; and all right, title and interest in and to such intellectual property will remain (as between the parties) solely with the Business.

5. Service and Site Usage 

We grant you a non-exclusive, revocable, non-transferrable license to use our products and services subject to payment as applicable, hereinafter the “Service”. This license right is solely for your personal, non-commercial use of the Service in accordance with these Terms and any conditions or restrictions associated with a particular service solution and/or product offering.

By using the Site, our associated digital pages and our social media channels, you hereby represent and warrant that you are at least the age of majority in your state or province of residence (regardless of your home country or current country of residence), and you hereby agree that you shall not:

a) Use any training material, products or content made available to you on or through the Site, our associated digital pages or our social media channels for any:

(i) illegal or unauthorized purpose, or
(ii) in any manner that is harmful, threatening, deceptive, abusive, harassing, tortious, obscene, libelous, or otherwise objectionable as we will determine in our sole discretion;

(b) Violate any laws in your jurisdiction or the rights of us or any third party regardless of your country of residence;

(c) Use the Site, our Service, any associated digital pages, or our social media channels in connection with any products or services not supplied or provided by the Business or otherwise approved and/or endorsed by us in writing;

(d) Remove any proprietary notices, labels, or marks on the Site or the Business’s content, training material and resources;

(e) Attempt to derive any source code or underlying ideas or algorithms of any part of the Site, our associated digital pages or our social media channels; or

(f) Transmit any worms, malware, spyware, viruses or any code of a destructive nature.

You hereby agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service, your use of the Service, or access to this Site or the Service without express written permission by us.  A breach or violation of any of these Terms or our Privacy Policy will result in an immediate termination of your Service and access to this Site and any associated digital web pages and our social media channels.

6. Payment 

You may purchase licenses and/or subscriptions to certain services and products through a one-time payment or in recurring instalments, either of which will be specified at the time of purchase on this Site, our associated digital pages, on our social media channels, and/or in private discussion with one of the Business’s representatives.

Depending on what service or product you purchase, private payment arrangements can be made upon approval by management. You are welcome to contact team support here – [email protected] – should you have questions about making private payment arrangements.

Whenever you make a purchase (regardless of whether it was for a service or product), you hereby authorize us to charge your credit card, debit card, Google Pay, Link, Samsung Pay, CashApp, Zelle, Venmo, Apple Pay or PayPal account regardless of whether said payment is for a one-time fee or if it will be billed on a subscription/recurring basis (as we offer through our Stripe portal for your convenience). You may be asked to provide certain information such as your full name, email address, contact number, card information, billing address with the appropriate ZIP/postal code, and shipping address.

By purchasing any service or product with us, you hereby confirm, represent and warrant that:

1. You have the legal right to use the payment method and/or card(s) used in connection with any purchase of our services and/or products; and
2. The information you supply to us is true, correct and complete at the time. By submitting this information, you hereby grant us the right to provide the information to third-party service providers like Stripe and/or account collectors or billing teams, in order to facilitate your purchase. You also hereby agree to provide current, complete and accurate purchase and account information for all purchases made via our billing portals, this Site and any associated digital web pages.
3. You agree to promptly update your information and/or billing account with us immediately upon a change of details, including your email address, credit or debit card numbers, and card expiration dates, as and when needed so that we can complete your transactions and contact you to fulfil our obligations to your per the services and/or products you invest in.

We reserve the right to refuse any order, whether for a service or product, you place with us. We may, at our sole discretion, limit or cancel quantities purchased. If we change or cancel an order, we may attempt to notify you by contacting the email address, telephone number and/or billing address you provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed for non-personal uses, including suspected purchases by resellers or distributors.

When you purchase a physical product, even if said physical product is acquired through a different investment option but relates to the Business and our associated brands, you are solely responsible for providing us with accurate shipping information, billing details, a valid telephone number, and a valid email address. If any physical product is returned to us as a result of your failure to provide us with accurate information of any kind, we are under no obligation to re-ship the product to you and you shall be responsible for any and all additional shipping fees plus associated costs and charges that will be applied to your Client account in consideration of the return of the product to us and in re-shipping the product to you.

7. No Professional-Client Relationship

Your use of this Site and any of our associated digital page or social media channels – including the implementation of any suggestions, tips, advice, ideas, instructions and/or recommendations as may be shared therein – or the use of any of the Business’s content, material and resources as is made available to you or as may be accessed on or through the Business’s social media channels, this Site, or on any of our associated digital web pages, does not create a Professional-Client Relationship between you and Sev Consulting Intl or any of its owners, officers, trustees, professional associates, strategic partners, employees, or other Business representatives.

The Business cannot accept you as a professional Client for our services or products unless and until we determine (i) there is a fit and (ii) until various requirements, such as fee arrangements, private contracts and payments, are met and resolved. Thus, you hereby acknowledge, accept and agree that we have not created any Professional-Client Relationship with you simply by your use of this Site, our associated digital web pages or our social media channels.

THE USE, ENJOYMENT, APPLICATION, EMBODIMENT, INTEGRATION AND ANY ON-GOING IMPLEMENTATION OF ANY SHARED INFORMATION, IDEAS, RESOURCES, CONTENT, MATERIALS AND TOOLS IN A PROFESSIONAL-CLIENT RELATIONSHIP BETWEEN A CLIENT AND THE BUSINESS IS PERFORMED AT THE SOLE DISCRETION OF THE INDIVIDUAL AND/OR ORGANIZATION/CORPORATION RECEIVING SUCH MENTORING, CONSULTING, COACHING, WORKSHOP FACILITATION, SPEAKING SERVICES, PRIVATE SERVICE OFFERS AND PACKAGES, HYBRID GROUP PROGRAMS, ONLINE COURSES, MINI MASTERCLASSES, TEAM AND LEADERSHIP DEVELOPMENT TRAINING, INTERNATIONAL RETREATS AND EXPERIENCES, AND ANY OTHER SERVICE SOLUTIONS OR PRODUCT OFFERS OR RECOMMENDATIONS THAT THE BUSINESS MAY PROMOTE TO THE INDIVIDUAL OR ORGANIZATION/CORPORATION AT ANY POINT IN TIME.

8. Subscriptions 

Certain services and products may be offered on a subscription basis. If you purchase either on a subscription basis, you will continue to be billed on the agreed recurring basis and your selected services and/or products will automatically be provided at the price agreed and at the payment frequency per your Professional-Client Relationship agreement unless and until you change or cancel your subscription. Email us for assistance here: [email protected]

Your Client account will be charged for your initial purchase and all applicable fees using the payment method provided and as selected by you at the time of purchase, or otherwise provided for within your Client account arrangement. Some services and products may include a free trial period which will convert into automatic, recurring payments after the free trial period ends. If you cancel your subscription within the free trial period, you will not be charged.

We reserve the right to adjust our subscription offer, including prices, at any time in our sole discretion provided that we give you advance notice of any price changes related to the service solution and/or product offering you subscribed to. Your acceptance of the services and/or products after such notice by way of email communication from us to the last email address we have on file for you, entered upon enrolment for said service solution and/or product offering, will constitute your acceptance of such price changes unless and until you cancel your subscription in accordance with these Terms or contact us here: [email protected].

We may, in our sole discretion, terminate your subscription at any time without notice. If we do so, you will no longer be charged for future recurring subscription fees. We may also, in our sole discretion, suspend, modify, or cancel any subscription offering at any time without notice to you.

9. Registration Accounts and Use of Passwords

To access particular pages and features of this Site, some of our associated digital web pages, and other online group membership portals or private online communities as may be formed at any time by the Business, both now and in the future, you may be asked to register an account with the Business (“Account”). Thus, you hereby acknowledge, accept and agree:

1. That we reserve the right to refuse registration (thus, Account creation and subsequent access) to any individual or organization at any time;
2. To provide true, accurate, current and complete information about yourself as the online customer for any Accounts as and when prompted to by any form provided by the Business;
3. You will maintain the accuracy of such information (including payment card details, email address, and billing or shipping address details as necessary) and that you will update such information for your Account in the event of changes; and
4. Your use of the Site, our associated digital pages, our social media channels and the online Account does not violate any applicable law, regulation, or these Terms regardless of your home country of residence.

You hereby confirm, accept and agree that you are solely responsible for maintaining the confidentiality of your Account log in and password details and related customer profile information. You also hereby confirm, accept and agree that you are solely responsible for all activities that occur within, and are associated to, your Account, including, but not limited to, any additional purchases, the use of the online portal and thus your client Account, the use of any digital course or program material purchased and/or accessed by way of this Account, and any and all communications from and through your Account.

You agree to notify us immediately of any unauthorized use, or suspected unauthorized use, of your Account and/or any other breach of security.

If the Business has reasonable grounds to suspect that information provided by yourself as the Account holder is misleading, inaccurate, out of date, or is incomplete, then the Business and its owners, officers, trustees, employees and representatives reserve the right to suspend or terminate your access to your client Account as well as your use of the Site, any associated digital web pages, and our social media channels.

The Business’s use of any personally identifying information you provide as part of a registration process is governed by the terms of our Privacy Policy. You hereby acknowledge, accept and agree that it remains your responsibility to maintain the confidentiality of your password(s) and Account details with or related to the Business regardless of however formed, and that you are solely responsible for all activities that occur by using your password(s) and/or client Account(s) with the Business.

You hereby agree to notify us immediately at [email protected] of any unauthorized use of your password(s) or Account features, or any other breach of security, and to ensure that you thoroughly exit (log out) from your Account(s) at the end of any session for which a password is required. The Business cannot and will not be held liable for any loss or damage arising from your failure or the Business’s failure to protect your password(s) or any associated Account information.

10. Modification to Services, Products and Prices

We reserve all rights, at any time, to change, suspend, or discontinue any aspect of a service or product offering, including the availability of any feature or content and its pricing. We may terminate your license and/or right to use the service and/or product, in whole or in part, including your right to use any auxiliary services or products associated thereto, without providing any refund. We shall not be liable to you or to any third party for any modification, price change, suspension, or discontinuance of a service(s), a product(s), the Site, any associated digital web pages, sister websites, our social media channels, or any auxiliary products as may be associated with whatever investment you made with the Business at any time, whether in person or online.

Generally, we offer lifetime access and licence to our Clients when they enrol in a digital course or purchase a mini masterclass or other digital product from our online store, whether as a one-time payment or recurring payment plan. Lifetime access, when granted, is for the lifetime of the product and/or service specifically purchased at the time. Should we, at any time, make an executive decision to discontinue a service or product, you will be notified by way of your email address.

However, we reserve the right, in our sole discretion, to revoke any access and license to use any of our programs, courses, masterclasses, content, training material, product ranges or service solutions at any point in time in the event that we decide (or are obligated to) disable said access and/or license to said program, course, masterclass, content, training material, product range or service solution due to legal or policy reasons. (For example, should the course you enrolled in become the subject of a copyright complaint, or should we determine that its content violates these Terms.)

If for any reason we should dissolve or cease to exist, then your access to the service and/or product will terminate.

11. Refund Policy

All payments made to the Business via any payment channel (for example, whether by Stripe, PayPal, electronic wire or funds transfer or otherwise) are considered payment towards a Professional-Client Relationship for our service solutions and/or product offerings related to the Business. Namely, consulting, mentoring, coaching, leadership and team development, workshop facilitation, speaking engagements, lifestyle strategy and guidance, and one-on-one sessions. All such payments remain non-refundable.

By having made a payment for any of the aforementioned, it is automatically considered an acceptance of your agreement to Sev Consulting Intl and all the Terms as contained on this web page.

It is also hereby considered an acceptance of your agreement to these Terms, conditions and disclaimers – and our Refund Policy herein – should you purchase a physical or digital product through other communication channels such as Facebook Messenger, Telegram chats, WhatsApp chats, LinkedIn Messaging, Text messages, direct email, and other communication avenues with any one of our Business representatives.

You hereby accept and agree that any items purchased from a third party website or company are bound by their own refund and/or cancellation policies, even if they represent our Business’s products or services as a collaboration partner. Thus, if you purchase a product or service from another independent provider which will be processed separately and outside of this Site or our associated digital web pages or social media channels, then a different set of terms and conditions may be applicable to your purchase. It remains your responsibility to ensure you understand and accept any refund policies from third parties prior to purchasing a product or service.

Sev Consulting Intl reserves the exclusive right to, at its sole discretion, refund any fees charged. It is hereby expressly noted and accepted by you that the Business also reserves the right to, at its sole discretion, refund only a pro-rata portion of any funds paid to the Business subject to management decision.

If you have questions about a refund, please email us at [email protected] before you purchase. In the event of a refund request, we may treat such requests as a request to cancel, even if the refund is ultimately denied, unless otherwise instructed by you.

If you receive a refund for any product offering or service solution, you will have no further right to use that product or service. We retain sole discretion to determine whether you satisfy the eligibility criteria for a refund.

12. Payment Arrangements and Late Payment Fees

Payment plans can be made and require confirmation of acceptance in writing by both parties. This is typically agreed to within your private Client agreement on a case by case basis as you enter into a Professional-Client Relationship with the Business, and is especially pertinent for high value mentoring and consulting engagements.

The Business reserves the right to levy a non-refundable $50-00 (Fifty United States Dollars) Administration Fee to cover additional administrative expenses for the follow-up communications required (whether by text, email or otherwise) for payments which are one calendar day or more past their due date.

Any monies that remain outstanding 7 (seven) days after each due date originally agreed to per the Professional-Client Relationship will also incur a Late Payment Penalty surcharge of $10-00 (Ten United States Dollars) per calendar day from day 7 (seven) onward.

The Business reserves the right to seek recovery of funds through a collections agency for monies remaining unpaid for 45 (forty-five) calendar days from the date of invoice or other billing subscription arrangement, and/or from the required date per the agreed terms with the Professional-Client Relationship you have in place at the time. In such circumstances, you will be liable for all additional administrative, banking and legal costs. Subsequently, any bookings or other transactions as would have been due according to the Professional-Client Agreement will cease with immediate effect until such time as all monies outstanding are recovered in full.

13. Cancellations for Confirmed One-on-One Meetings 

We require a minimum of 24 (twenty four) hours’ notice of cancellation or postponement of an online meeting or session booked for any Monday to Friday; and a minimum of 36 (thirty six) hours’ notice of the same if a cancellation or postponement is requested prior to a weekend or North American public holiday, following which the meeting would have occurred the next Monday.

All cancellations and/or postponement requests of one-on-one meetings or sessions must be made to your Business representative in writing via email communication (and not via text or chat message); or otherwise rescheduled through the same online scheduler used to book the meeting or session in the first place.

The Business and its owners, officers, trustees, employees, licensors and representatives shall forever deny any refund request which occurs past 30 (thirty) calendar days after payment was received for a one-on-one meeting or session, no matter the product or service solution it was previously booked and paid for.

14. Testimonials

At various places on throughout this Site and our associated digital pages and social media channels, you may find testimonials from past or existing Clients of the Business’s products and services. These testimonials are actual statements made by Clients and have been truthfully conveyed even if the Business had to shorten and/or amend the testimonial wording prior to publication for visual, spelling and/or grammar purposes.

Although these testimonials are truthful statements about results and outcomes obtained by the Business’s Clients and/or general consumers and brand partners, the results and outcomes obtained by these particular people are not necessarily typical. You hereby acknowledge, recognize and agree that other people’s testimonials are not a guarantee of results or outcomes that you or anyone else would or could get simply by using our services or products regardless of whether said services or products are promoted on this Site, our associated digital pages or elsewhere, or as testified to by the Business. Please refer to our Success Disclaimer below and our Privacy Policy for additional clarification.

15. Success Disclaimer

From time to time, the Business and any of its owners, officers, trustees, employees and other representatives may report on the success of its Clients, general consumers and peer partners. The information about this success is accurately portrayed. You hereby acknowledge and recognize that the prior success of others does not guarantee your success.

As with any business, your results will vary and are based on multiple factors. These factors include your individual capacity, open mindedness, business experience, current health, past health and wellness experiences, prior high-impact experiences in your personal and professional lives which contributed to shaping your current beliefs, values, perspectives and perceptions, past traumas (whether mental, emotional, physical or financial), prior self-development work and subconscious reprogramming, prior alternate healing attempts and product experiences, and your level of drive, courage and desire to step into becoming the transformation you seek.

There are no guarantees concerning the level of success you may experience by using the Business’s suggested service solutions or products, or as may be facilitated by any member of the team and/or other associates, brand partners, or licensors.

You hereby understand and accept the risk associated with any investment in yourself (whether through services or products, and whether such investment is made in your personal capacity or on behalf of your organization); and you hereby understand and accept that results and outcomes differ from individual to individual, and organization to organization.

The implementation of our information, resources, ideas and recommended lifestyle strategies, and any other suggestions made during your consulting or mentoring sessions (including private suggestions related to wellness, emotional mastery, physical goods or digital products, and any other offerings you choose to engage with) should be based on your own due diligence.

You hereby expressly agree that the Business is not liable for any success or failure that may occur, whether directly or indirectly, related to the purchase or use and implementation of any of the information, resources, ideas, content, lifestyle suggestions, health and wellness, or any other services or products as are reviewed, attested to, or advertised in any way on this Site, on our associated digital web pages, in any membership or group communities, or on any of our social media channels.

Neither the Business nor its owners, officers, trustees, employees or representatives believe in “silver bullet” magic when it comes to offers, programs, products, services, masterclasses, or courses. We believe in adding value to empower, inspire, uplift and transform your life long-term as we help you create the change(s) you seek. We also believe in serving people with integrity and responsible service and product delivery.

Our services, products, offers and any programs, workshops, training, courses, group travel experiences or private retreats we offer (whether now or in the future) require your dedication and commitment to the success you seek, just like any worthy endeavor or other higher learning or professional program, service, product or offer. Ultimately, the Business seeks to help transform the lives of individuals and organizations who are serious about, and committed to, taking deliberate action with focused intention towards their vision so they can realize their potential and long-term personal and professional success.

Every effort has been made to accurately represent the Business’s services, offers, products and programs and their potential to our clients. Examples of past Client or peer partner successes are not to be interpreted as a promise or guarantee of any kind in terms of your own transformational potential, whether that be physically, mentally, emotionally, spiritually or financially.

The Business and its owners, officers, employees and representatives feel that transparency is important, and we hold ourselves – and you – to a high standard of integrity, honesty, commitment, and authenticity. If you have any questions about our Success Disclaimer, please email [email protected].

16. User’s Personal Responsibility

By using this Site and/or any content, materials, products, resources, suggestions or services as may be shared on or through the Business’s website and associated digital web pages and social media channels, you hereby accept personal responsibility for the results of your actions.

You hereby acknowledge, accept and agree to take full responsibility for any harm and/or damage you may suffer as a result of the use, or non-use, of the information, content, materials, products, resources, suggestions or service as is made available on this Site or as may be expressed in any of our content, materials, resources and/or suggestions made available for download from this Site and any of our associated digital web pages.

You accept and agree to use your own discernment and judgment, and to conduct your own due diligence before taking any action or implementing any idea or plan as may be suggested or recommended to you from or through this Site or any of the Business’s associated digital pages or social media channels.

17. For Educational and Informational Purposes Only

The information contained on this Site, across all associated digital pages, and as may be accessed on or through any of the Business’s social media channels, and any content, materials or resources made available for viewing, listening or download through this Site and all associated digital pages are for educational and informational purposes only.

This Site and all content, resources, materials, products and services as provided or as promoted by the Business are shared on an ‘As Is’ basis. By accessing and using this Site (as well as any associated digital web pages or social media channels), you hereby acknowledge and agree that the use of this Site (and all associated web pages and social media channels) and all content, materials and resources related to our products and services is entirely at your own risk.

The Business makes no representations or warranties regarding this Site or any of our content, materials, resources, products or services, including, without limitation, no representation or warranty:

1. That this Site or any of its associated content will be complete, reliable, accurate, suitable or timely;
2. That any content, materials or resources, including, without limitation, any information, data, products or services contained in or made available through this Site (or any of associated digital pages and social media channels) will be of merchantable quality or fit for a particular purpose;
3. That the operation of this Site will be uninterrupted or error free;
4. That defects or errors in this Site will be corrected;
5. That this Site will be free from viruses or harmful components; and
6. That communications to or from this Site (and all associated digital pages, sister websites and social media channels) will be secure or not intercepted.

18. Not Medical Advice

The information contained on this Site, any associated digital pages, our sister websites whether now or in the future, and/or as may be made available for download on or through any of our social media channels, is not intended as – and shall not be understood or construed as, regardless of your country of residence or origin – professional medical advice.

While all representatives, agents, trustees, employees, shareholders, licensors and/or officers of the Business are professionals and the information provided on this Site and our associated digital web pages relates to issues within the Business’s area of professionalism and experience, the information, content, materials and resources as contained on this Site (and all associated digital web pages and social media channels) is not a substitute for advice from a medical professional who is aware of the facts and circumstances of your individual situation.

We have done our best to ensure that the information provided on this Site (and all associated digital web pages and social media channels), including all content, materials and resources made available to you therefrom, is accurate and provides valuable information. Regardless of anything to the contrary, nothing made available to you on or through this Site (or any associated digital pages, sister websites or social media channels) should be understood or construed as a recommendation that you should not consult with a medical or healthcare professional to address your particular situation. The Business herein expressly recommends that you seek advice from a medical professional prior to taking action.

Furthermore, neither the Business nor any of its representatives, trustees, employees, shareholders, licensors or officers shall be held liable or responsible in any way for any errors or omissions on this Site, our associated digital web pages or our social media channels for any damage you may suffer as a result of failing to seek competent advice from a medical and/or healthcare professional who is familiar with your situation.

You hereby understand, acknowledge and accept that any of the Business’s consulting, mentoring, coaching, advisory services, lifestyle strategy and guidance, leadership and team development, speaking, group programs, live events and experiences (whether in person or virtual), digital products, physical products, and/or any other service solution or product offer as may be shared throughout this Site and any associated digital pages, sister websites and social media channels does not supersede or replace any advice, prescriptions, or recommendations as provided to you by any healthcare or medical professional regardless of your country of origin.

You also hereby understand, acknowledge and accept that any such Business’s consulting, mentoring, coaching, advisory services, lifestyle strategy and guidance, leadership and/or team development, speaking, group programs, events and experiences (whether in person or virtual), digital products, physical products, and/or any other service solution or product offer as may be shared or promoted throughout this Site (and any associated digital pages and social media channels) does not in any way replace or alter any current, past or future medical advice as was, is, or may be recommended or prescribed by any other healthcare or medical professional, regardless of your country of origin.

19. Not Professional or Financial Advice

The information contained on this Site, any associated digital pages and/or as may be made available for download on or through any social media channels, is not intended as, and shall not be understood or construed as, professional or financial advice.

While all representatives, agents, trustees, employees and/or shareholders of the Business are professionals, and although the information provided on this Site (and in workshops, speaking engagements, consulting, advisory, and lifestyle mentoring sessions we offer as a business to our Clients in a Professional-Client Relationship) relates to issues within the Business’s area of professionalism and experience, you hereby agree and accept that all information, content, resources and materials contained on this Site and all associated digital web pages and social media channels is not a substitute for advice from a financial industry (or other) professional who is aware of the facts and circumstances of your individual situation.

We have done our best to ensure that the information provided on this Site, including all Content and resources made available to you, is accurate and provides valuable information. Regardless of anything to the contrary, nothing available on or through this Site or any associated digital pages or social media channels should be understood or construed as a recommendation that you should not consult with a financial industry (or other) professional to address your particular situation. The Business herein expressly recommends that you seek advice from a financial (and/or other) professional prior to taking action.

Furthermore, neither the Business nor any of its representatives, trustees, employees or shareholders shall be held liable or responsible in any way for any errors or omissions on this Site, our associated digital web pages or our social media channels for any damage you may suffer as a result of failing to seek competent advice from a financial industry professional who is familiar with your situation.

You hereby understand, acknowledge and accept that any of the Business’s consulting, mentoring, coaching, advisory services, lifestyle strategy and guidance, leadership and team development, speaking, group programs, events and experiences (whether in person or virtual), digital products, physical products, and/or any other service solution or product offering as may be shared throughout this Site and any associated digital pages, sister websites and social media channels does not supersede or replace any advice or recommendations from a financial or other industry professional regardless of your country of origin.

You also hereby understand, acknowledge and accept that any of our Business’s consulting, mentoring, coaching, advisory services, lifestyle strategy and guidance, leadership and team development, speaking, group programs, events and experiences (whether in person or virtual), digital products, physical products, and/or any other service solution or product offer as may be shared or promoted throughout this Site (and any associated digital pages and social media channels) does not in any way replace or alter any current, past or future financial advice as was, is, or may be recommended or advised by any other financial industry professional, regardless of your country of origin.

20. Content Provided By You

When you provide content to use (for example, through comment caption features, group chat zones in membership communities, an online inquiry form or otherwise), you hereby agree not to post anything vulgar, illegal, threatening, obscene, defamatory, libelous or infringing, or to make use of such comment features to promote spam, for commercial solicitations or software viruses. We reserve the right to delete any comment and/or online user content as may be shared by you across any of the Business’s digital portals, including social media channels, regardless of its contents, and to block you from the Site and all our other digital portals at our sole discretion.

When you provide content to us through a comment feature or contact form, you hereby confirm that you automatically give us a non-exclusive royalty free right to use, reproduce, publish, adapt, display and/or distribute any such content throughout the world in any form. This includes the right to include the name under which you submitted the content or comment should the Business’s management team deem it necessary for the purposes at the time. Please be aware of this before sending personal information or information of commercial value, whether by or about you or any third person or entity.

You hereby indemnify the Business and all shareholders, trustees, officers, professional associates, brand partners, employees, licensors and other representatives (whether now or in the future) from assuming responsibility, or being held liable for, any content or comment that you choose to share throughout any of our digital avenues made available to you.

21. Your Consent

When you opt in, subscribe, or sign up in any other way to receive any content, resources or materials – or to make an online inquiry about something – associated with the Business, or when you register for anything on this Site and/or its associated digital pages or social media channels, you hereby give your consent to receive any notices, announcements, agreements, disclosures, reports, documents, material resources, electronic communications (including by way of email) concerning new products or services and/or other records or correspondence from the Business.

You also hereby acknowledge, accept and agree that if or when you send comments, feedback and/or suggestions about this Site and any of our associated digital pages, sister websites or social media channels – including, but not limited to, any notes, texts, WhatsApp or Telegram communications, sms and mms messages, emails, drawings, images, designs, computer programs or software – that such submissions shall become and shall remain the sole property of the Business.

No submission shall be subject to any obligation of confidence on the part of the Business. The Business shall exclusively own all rights to, including intellectual property rights thereto, such submissions and shall be entitled to unrestricted use, publication and dissemination of all such submissions for any purpose, whether commercial or otherwise, without any acknowledgment or compensation to you.

The Business will not intentionally disclose any personally identifying information about you to third parties (please read our Privacy Policy for additional clarification about Third Parties), except where the Business, in good faith, believes such disclosure is necessary to comply with the law or to enforce these Terms, conditions and disclaimers as contained herein. By using the Site and any associated digital pages and/or our social media channels, you hereby signify your agreement to and acceptance of the Business’s Privacy Policy.  If you do not agree with this Privacy Policy, in whole or part, please do not continue to use this Site, our associated digital web pages, or our social media channels.

Neither the Business nor any other party involved in creating, producing or maintaining the Site or any associated digital pages or social media channels (and/or any content, materials, suggestions or resources as contained on, in or downloadable from such online avenues) shall be held liable, under any circumstances, for any direct, incidental, consequential, indirect or punitive damages arising out of your access to or use of this Site and all related brand and business content, material and resources whether now or in the future.

22. Performance 

Neither Sev Consulting Intl as the Business in its entirety, nor any of its owners, officers, trustees, employees, licensors, brand partners or representatives shall be responsible for any performance or service problems as may be experienced on or by any third party website, application or service provider such as your web hosting provider, your internet service provider, any online payment gateways such as Stripe, your software, and/or any updates or upgrades to the hardware or software on your devices. Any such problem shall be governed solely by the agreement between you and said service provider.

The Business reserves the right to determine, in its sole discretion, whether the Business is responsible for any malfunction or disruption to any online resources or activities. The Business also reserves the right to limit your use of the Site and any associated digital pages and social media channels, as well as any content, materials or resources provided, and to terminate your user and/or Client Account(s) should we have determined that you have violated any of these Terms or that you have violated any other rules or conditions of the Business, including that of our Privacy Policy.

23. Affiliate Links

From time to time, the Business actively participates in affiliate and referral marketing strategies. Therefore, we may allow affiliate links to be included on some of our digital pages as well as shared on or through our social media channels. This means we receive affiliate and/or referral partner compensation when you click on or make purchases via the affiliate links we may share.

As a policy, the Business will only affiliate with and refer products, services, business professionals, and other experts that we believe will provide value to our Clients, consumers and followers. Any other experts that the Business refers to or recommends is not automatically intended as an endorsement or statement that the information referred to is accurate, whole or complete. We provide this information purely as a reference to users of our Site and all associated digital pages and social media channels, but it remains your responsibility to conduct due diligence in order to verify the referred or recommended information, and to make your own determination based on your own discernment prior to taking any further action.

You hereby acknowledge, agree and recognize that it remains your personal responsibility to investigate whether any affiliate or referral partner offers are right for your personal situation and/or business requirements, and as to how said products or service offers may benefit you.

You hereby agree that you will not rely on any recommendation, suggestion, reference or information provided by the Business but will instead conduct your own investigation and will rely upon your own judgement to decide whether to purchase the affiliate or referral partner product(s) or service(s). The Business hereby disclaims any liability for direct, indirect or consequential loss arising in connection with the use of any affiliate content or resources as may be shared throughout this Site or any associated digital pages or social media channels by any person or organization, whether in its original form or altered in some way by the user. The Business hereby expressly gives no warranties as to any results or improvements you may be expecting from any shared affiliate content, resources or information.

24. Other Links, Downloads, Features and Advertisements

This Site may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the Business, nor by way of endorsement of the contents of such third party websites.

We take no responsibility for the accuracy, content, or resources, or any aspect of that material, and disclaim any liability to you for such material or for any consequences of your decision to use the links provided or your use of such material.

We also hereby disclaim any and all liability from, and make no representations or warranties for, any products or services sold or provided to you by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between you and the providers of those products and services at those other sites or associated social media channels.

You hereby acknowledge, accept and agree that you shall not bring a suit or claim against the Business or any of its owners, officers, trustees, employees, licensors, brand partners or other representatives arising from or based on your purchase or use of products or services through those other sites.

Links do not imply that the Business or any of our affiliates sponsors or referral partners endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo, or copyright symbol displayed in or accessible through the links; or that any linked site is authorized to use any trademark, trade name, logo, or copyright symbol of the Business or any of our affiliates as may be the case.  The Business is not responsible for the content of any third party website or social media channel material, nor does it make any representation or warranty of any kind whatsoever regarding any third party website or social channel.

25. Ownership of Material and Intellectual Property Rights

Sev Consulting Intl brand assets such as logos and all other trademarks, service marks, copyrights, graphics and content used in connection with the services and/or products as are and will be offered on this Site (and all associated digital web pages and social media channels) by the Business or Ms Sev Joy in her personal capacity are trademarks-to-be or registered trademarks of the Business and the Sev Joy brand and/or its licensors and/or brand partners of the aforementioned companies.

Other trademarks, service marks, copyrights, graphics and logos used in connection with this Site may be the trademarks of other third parties. Your use of the Site grants you no right or license to reproduce or otherwise use any Sev Joy brand content or third party trademarks.

You hereby grant the Business, including the Sev Joy brand, an irrevocable, perpetual, non-exclusive, transferable, fully paid, worldwide license (with the right to sublicense) to:

(a) Use, copy, publish, stream, store, retain, publicly perform or display, transmit, scan, reformat, modify, edit, frame, translate, excerpt, adapt, create derivative works and distribute (through multiple tiers) any content you share on or in connection with this Site or the Sev Joy brand products and services or the promotion thereof; and

(b) To use your name, likeness, and image for any purpose, including commercial or advertising, each of (a) and (b) on or in connection with Sev Joy brand and this Business, or the promotion thereof.

All materials and content displayed or otherwise accessible through this Site and all associated digital pages – including, without limitation, articles, text, photographs, ebooks, guides, images, videos, audios, illustrations and this website (www.JoywithSev.com) – are protected under European and United States of America copyright, and other international laws appropriately, and are owned by the Business.

Any use, reproduction, modification, alteration, public performance or display, uploading or posting onto the internet (including placing on another website or on any social media channels), transmission, redistribution or other exploitation of this Site or any Sev Joy brand content, whether in whole or in part, other than expressly set out herein, is prohibited without the express written permission of Sev Consulting Intl.

All multi-media embedded in or located on or at this Site, including, without limitation, all digital purchases, or media that does not include an embed or sharing facility is protected by copyright and may be protected by other rights. You are hereby granted the right to access and use these items subject to:

1. the terms and conditions of this Agreement; and
2. any additional conditions which may be imposed on your access at the time of purchase.

You hereby accept and agree that all the information, content, resources and materials as provided in this Site and throughout the Business’s associated digital pages and social media channels – as well as all other content, videos, audios, training materials, products, shared resources, services and/or other materials (whether digital or print) – which are made available to you by any of its owners, officers, trustees, employees or representatives, as well as the look and feel of all of the foregoing (collectively hereinafter referred to as the “Content”), are maintained for your personal use and information by the Business and shall remain the property of the Business and/or any third party associates, partners, suppliers or service providers.

You also hereby accept and agree that all such Content shall include all proprietary videos, HTML/CSS, JavaScript, graphics, voice, audio and sound recordings, artwork, photos, documents and text as well as all other materials included in the Site, all associated digital web pages, and throughout our social media channels.

No Content may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, used for public or commercial purposes, or downloaded in any way unless written permission is expressly granted by the Business.

Modification of the Content or use of the Content for any other purpose is a violation of our Business’s brand copyrights and other proprietary rights of the Business, as well as the authors who created the materials, and may be subject to monetary damages and penalties.

You may not distribute, modify, transmit or use the content of the Site or any Content, including any software, tools, graphics and/or sound files, for public or commercial purposes without the express written permission of the Business and/or as may be opted-in to by way of a registration process on one of the Business’s associated digital pages.

All Content such as text, data, graphics files, videos, audio and sound files, and other materials contained in the Site, are deemed to be copyrighted unless otherwise noted and are the property of the Business and/or a supplier to the Business. No such materials may be used except as provided in these Terms.

All trade names, trademarks, images and biographical information of people used in the Business’s Content and contained in this Site (including all associated digital pages, sister websites and social media channels), including, without limitation, the name and trademark(s) of the Business’s key terms or phrases, are either the property of, or used with permission by, the Business. The use of Content by you is strictly prohibited unless specifically permitted by these Terms of Use.

Any unauthorized use of the Business’s Content may violate the copyright, trademark and/or other proprietary rights of the Business and its owners, officers, trustees, employees or associate representatives, agents, brand partners, affiliates or other third parties, as well as laws of privacy and publicity and other regulations and statutes.

Nothing contained within this Agreement or in this Site or any of the Business’s associated digital pages or social media channels shall be construed as granting, whether by implication or otherwise, any license or right to use any trademark or other proprietary information without the express written consent of the Business or any associated third party owner.

The Business respects the copyright, trademark and all other intellectual property rights of others. The Business reserves the right, but has no obligation, to remove content and accounts containing materials that it deems, in its sole discretion, to be unlawful, offensive, threatening, libellous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Use.

If you believe that your intellectual property rights are being violated and/or that any work belonging to you has been reproduced on this Site or in any Content in any way, you may notify the Business at [email protected]. Please provide your name and contact information, the nature of your work and how it is being violated, all relevant copyright and/or trademark registration information, the location/URL of the violation, and any other information you believe is relevant.

26. Our Copyrights

The Content you see here, including text, images, custom software, compilations of resources, and audio and video content, and as made available to you by the Site and elsewhere, is the sole and exclusive property of Sev Consulting Intl, including (but not limited to) anything we share with our clients in a Professional-Client Relationship. Our Content is protected by United States of America and international copyright laws. We take our intellectual property rights seriously and search for infringing uses of our copyrighted material such as copying, passing off as your own or other infringing uses, whether personal or commercial.

If you desire to use the information on this Site (whether in part or whole) and as may be shared on our associated digital pages, or to use information or Content as may be shared on any of our social media channels in any way other than by viewing it for your personal use, we can discuss licensing rights starting at US$50,000-00 (Fifty Thousand United States Dollars) each.

If you are found using the information other than as explicitly allowed by this Agreement, we will notify you and bill you accordingly.

27. Digital Millennium Copyright Act (DMCA) 

Sev Consulting Intl on intellectual property rights –

Sev Consulting Intl (the “Business”) respects, honours and appreciates intellectual property rights, both its own and those of others.

The Business does not permit copyright infringing activities or the infringement of intellectual property rights by anyone using its digital web pages, membership portals or communities, software, products or services related to the Business and the Sev Joy brand. All infringing uses of the Business’s Site, associated digital web pages and private membership communities or group chat zones are violations of our company policies.

As with any system where user-contributed content (“User Generated Content”) is present, such as within private membership communities and social media groups, we do not have the technological means or human resources to know in advance or to determine whether any shared User Generated Content is being used without permission, under license, or if it would be considered ‘fair use’.

To the extent technically and managerially feasible, where infringing content is found and identified on one of our devices or inside any private community or membership area directly controlled by the Business, we will endeavour to assist copyright holders in protecting their rights under the Digital Millennium Copyright Act (“DMCA”).

If you are a copyright owner or an authorized agent of such an owner, and you, in good faith, believe that certain User Generated Content shared within our Business’s private portals or associated digital web pages infringes upon your copyrights, you may submit a notification pursuant to the DMCA to [email protected] .

You will have to provide the following information with this notification:

1. Identification of the copyrighted work you claim has been infringed, or, if multiple copyrighted works are covered by a single notification, a representative of list of such works;
2. Identification of the material that you claim is infringing, or to be the subject of infringing activities that you believe must be removed, or access to which should be disabled, and information reasonably sufficient to permit the Business to locate the material;
3. Your contact details, including email address, direct telephone number, and physical mailing address;
4. A verified affidavit that that you, in good faith, believe that the use of said User Generated Content in the manner complained of is not authorized by the copyright owner, its agent, or the law;
5. A verified statement that the information in your notification to us is accurate and, under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
6. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

All mail is to be sent by registered mail to the Sev Consulting Intl, 12 Bat Bel Air Desrozieres, Petit-Bourg, 97170, Guadeloupe. Email evidence of such registered mail dispatch (eg. receipt for payment) to [email protected]

Note: only verified DMCA Take Down Notices will be acknowledged and accepted by the Business. You hereby understand, accept and agree that, should you fail to comply with all the requirements provided above, your DMCA Take Down Notice may not be valid and we will not assist you in enforcing anything related thereto. Any DMCA Take Down Notices as explained herein which do not comply with our notification requirements, which do not provide enough information for the allegedly infringing User Generated Content to be located, or which lack the requirement verification as stipulated above, will not receive a reply.

Upon receipt of a verified DMCA Take Down Notice that identified allegedly infringing content in the required manner, the Business will investigate and disable access to, or the promotion thereof, of the allegedly infringing material. We will also notify the User of said notice, and – should we receive a counter notice that substantially complies with the requirements below, we may restore access to the User Generated Content in question consistent with the procedures below and provisions of the DMCA.

Counter Notices: Sev Consulting Intl understands that copyright holders are not always correct in their beliefs regarding infringement, even when requesting ‘take downs’ in good faith under the DMCA. If you believe that your content that was removed (or to which access was disabled) is not infringing, or you have the authorization from the copyright owner, the copyright owner’s agent, or as may be pursuant to the law, to post and/or use the material in your content, you may send a Counter-Notice containing the following information to:

1. a) Identification of the content that has been removed or to which access has been disabled, and the location at which the content appeared before it was removed or disabled;
2. b) A verified affidavit that you have a good faith belief that the content was removed or disabled as a result of a mistake or misidentification of said User Generated Content;
3. c) Your contact details, specifically: your full name, direct telephone number, email address, and physical mailing address;
4. d) A statement that you will accept service of process, regardless of your country of residence or origin, from the person who provided notification of the alleged infringement; and
5. e) Your physical or digital signatures thereto.

If a Counter-Notice is received by us, we may send a copy of the Counter-Notice to the original complaining party informing them that it may replace the removed content or cease disabling it in 10 (ten) business days.

Unless the copyright owner files an action seeking a court order against the user, and for which due international legal proceedings are followed by both parties (defendant and claimant) as needed, the previously removed User Generated Content may be replaced (or access to it restored) in 10 (ten) to 14 (fourteen) business days or more after receipt of the Counter-Notice at our sole discretion.

28. DISCLAIMERS

All the Business’s Disclaimers, along with all the Terms of Use as contained herein and the Privacy Policy, governs your access to and use of this Site and all associated landing pages and social media channels, including any Content, functionality and services offered on or through the Site whether as a guest user, register user, or as a Client in a Professional-Client Relationship with the Business or Sev Joy in her personal capacity.

By using the Site and any associated digital web pages or social media channels, or by clicking to accept or agree to the Terms when this option is made available to you, you hereby acknowledge, accept and agree to be bound and abide by any conditions and disclaimers throughout the Site and as may be found in our intake forms or in other documentation. If you do not want to agree to our Privacy Policy, you must not access or use this Site or any associated Content.

Other disclaimers include, but are not limited to:

1. Disclaimer of Warranties: This Site and all associated digital pages are provided “as is”. Sev Consulting Intl and all brand partners and their suppliers and/or licensors hereby disclaim all warranties of any kind, whether express or implied, and including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither the Business nor its owners, members, trustees or suppliers and/or licensors makes any warranty that the Site will be error free or that access thereto will be continuous or uninterrupted. You hereby confirm your understanding and acceptance of the fact that you continue with the Site, or otherwise obtain Content or services through, the Business at your own risk and discretion.
2. Limitation of Liability:  In no event will the Business or the Sev Joy brand or any of our representatives, associates, affiliates, strategic partners, suppliers and/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:
   1. Any special, incidental or consequential damages;
   2. The cost of procurement or substitute products or services;
   3. For interruption of use or loss or corruption of data; or
   4. For any amounts that exceed the fees paid by you to the Business under this Agreement during the twelve (12) month period prior to the cause of action. The Business 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.
3. Errors and Omissions:  This World Wide Web Site (www.JoywithSev.com) is a public resource of general information that is intended, but not promised or guaranteed, to be correct, complete and up to date. While the Business has taken reasonable steps to ensure that the information, Content and resources as contained in the Site and throughout all our associate digital pages and social media channels is accurate, we cannot represent that they are free of errors. You hereby acknowledge, agree and accept that the information, content and resources as contained on this Site and on all associated digital pages and social media channels may be erroneous, and you hereby agree to conduct your own due diligence to verify any information obtained from this Site and/or its Content and resources made available to you prior to taking any action. You hereby expressly agree not to rely upon any information, Content or resources as contained in this Site or associated digital pages or social media channels.

29. No Warranties or Guarantees

The Business makes no warranties regarding the performance or operation of this Site or any associated digital pages, sister websites or social media channels. The Business further makes no representations or warranties of any kind, whether express or implied, as to the information, Content, resources, materials, individual services or packaged offers, products, documents, programs, books or guides of any kind included on or through this Site or any of its associated digital pages or social media channels.

You also hereby agree that neither the Business nor any of its owners, officers, trustees, employees, representatives, licensors, brand and strategic partners, agents or affiliates, however the case may be at any point in time, has not made any guarantees about the results of taking action to comply with any instructions or recommendations as may be given when in a Professional-Client Relationship with Sev Joy or any other member of the Sev Joy Team, whether such instruction or recommendation was provided online or in person during a private session.

The Business provides educational and informational Content and resources only, which are intended to help users of this Site (and all associated digital pages and social media channels) as well as our Clients in a Professional-Client Relationship, succeed in their personal and professional transformation. You nevertheless recognize that your ultimate success or failure will be the result of your own actions and effort, your ability to heed and follow through on any ideas or recommendations as suggested to you at any time, your particular situation, and innumerable other circumstances beyond the control and/or knowledge of the Business or any of its owners, officers, trustees, employees, brand and strategic partners, representatives, licensors, agents, associates or affiliates as however may be the case.

30. Professional Indemnity

You hereby acknowledge, accept and agree to indemnify, defend and hold harmless the Business and the Sev Joy brand in its entirety and in all forms, as well as the Business’s sister companies both now and future, as well as the Business’s owners, officers, directors, trustees, employees, agents, associates, affiliates and licensors and their respective successors and assigns, from and against any and all claims, demands, liabilities, costs or expenses whatsoever; including, without limitation, legal fees and disbursements resulting directly or indirectly from:

1. your breach of any of the terms and conditions of this Agreement;
2. your access, use or inability to access or use this Site or any of its associated digital pages, sister websites or social media channels or other Content to which this Site is or may be linked to from time to time;
3. your use of, reliance on, publication, communication, distribution, uploading or downloading of anything on or from the Business Site and all associated digital pages and/or social media channels; and/or
4. your violation of any law or regulation regardless of your country of origin.

You agree to indemnify and hold harmless the Business in its entirety as abovementioned against any and all claims and expenses, including attorneys’ fees and legal costs, arising out of your use of the Site, including but not limited to out of your violation this Agreement.

31. Limitation of Liability 

YOU HEREBY AGREE TO FULLY ABSOLVE THE BUSINESS AND ANY OF ITS OWNERS, OFFICERS, TRUSTEES, EMPLOYEES, LICENSORS OR REPRESENTATIVES OF ANY KIND OF ALL LIABILITY OR LOSS THAT YOU OR ANY PERSON OR ENTITY ASSOCIATED WITH YOU MAY SUFFER OR INCUR AS A RESULT OF THE USE OF THE INFORMATION, CONTENT AND/OR RESOURCES AS IS OR MAY BE CONTAINED ON THIS SITE AND ANY OF ITS ASSOCIATED DIGITAL PAGES AND SOCIAL MEDIA CHANNELS, INCLUDING ANY DOWNLOADABLE CONTENT, RESOURCES OR INFORMATION.

YOU HEREBY ACKNOWLEDGE, ACCEPT AND AGREE THAT THE BUSINESS SHALL NOT BE LIABLE TO YOU FOR ANY TYPE OF DAMAGES, INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EQUITABLE, OR CONSEQUENTIAL LOSS OR DAMAGES AS MAY BE CAUSED TO YOU BY THE USE OF THIS SITE OR ANY OF ITS ASSOCIATED DIGITAL PAGES OR SOCIAL MEDIA CHANNELS.

The information, software, products, Content, resources, products and services included in or available through this Site and any associated digital pages, sister websites and social media channels may include inaccuracies or typographical errors. Changes are periodically added to the information herein. The Business and/or its suppliers and/or partners may make improvements and/or changes to this Site and any associated digital pages and social media channels at any time.

THE BUSINESS AND ITS OWNERS, OFFICERS, TRUSTEES, EMPLOYEES, LICENSORS AND REPRESENTATTIVES – AS WELL AS ITS SUPPLIERS AND/OR PARTNERS AT ANY TIME – MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS AND ACCURACY OF THE INFORMATION, SOFTWARE, CONTENT, RESOURCES, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THIS SITE OR ANY ASSOCIATED DIGITAL PAGES OR SOCIAL MEDIA CHANNELS FOR ANY PURPOSE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. THE COMPANY AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, CONTENT, RESOURCES, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE BUSINESS AND/OR ITS SUPPLIERS OR PARTNERS, OWNERS, OFFICERS, TRUSTEES, EMPLOYEES OR REPRESENTATIVES BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE OR ANY ASSOCIATED DIGITAL PAGES OR SOCIAL MEDIA CHANNELS, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED PRODUCTS OR SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SAID PRODUCTS AND/OR SERVICES, OR FOR ANY INFORMATION, SOFTWARE, CONTENT, RESOURCES, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE OR ANY ASSOCIATED DIGITAL PAGES OR SOCIAL MEDIA CHANNELS, OR AS OTHERWISE ARISING OUT OF THE USE OF THE SITE, ITS ASSOCIATED DIGITAL PAGES OR SOCIAL MEDIA CHANNELS, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF THE COMPANY OR ANY OF ITS SUPPLIERS OR PARTNERS, OWNERS, OFFICERS, EMPLOYEES OR REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

Because some provinces, states and/or jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. If you are dissatisfied with any portion of this Site or any of its associated digital pages or social media channels, or with any of the Terms of use thereto as clarified herein, your sole and exclusive remedy is to discontinue using this Site and all our associated digital pages and social media channels.

The Business also hereby expressly disclaims any liability for the acts, omissions or conduct of any third party user of this Site and any associated digital pages and social media channels, as well as any advertiser or sponsor of this Site or its content or resources shared.

Under no circumstances shall the Business or any of its owners, officers, trustees, employees, licensors or other representatives be held liable for any injury, loss, damage (including special, indirect, incidental or consequential damages) or expense arising in any manner whatsoever from:

1. the acts, omissions or conduct of any third party user; and
2. any use or inability to use any resources, materials, content, goods or services located at or made available at any website linked to or from this Site or any of this Site’s associated digital pages, sister websites or social media channels.

If you decide to access or use any linked website or content, resources, materials, goods or services from a website linked to this Site or any of this Site’s associated digital pages or social media channels, you do so entirely at your own risk.

32. Security of Information on the Internet

You should note that any information sent or received over the internet is generally considered unsecure and neither the Business nor any of its owners, officers, trustees, employees, licensors or representatives can or do make any representation or warranty concerning the security of any communications to or from this Site or any of its associated digital pages, sister websites or social media channels.

The Business shall use all commercially reasonable efforts to restrict unauthorized access to our data and files. However, no system (whether or not password protected) can be entirely impenetrable. You hereby accept and acknowledge that it may be possible for an unauthorized third party to access, view, copy, modify or distribute the data and files you store using this Site and any of our associated digital pages and social media channels pertaining to the Business. Use of the Site is completely at your own risk, and we ask you to refer to our Privacy Policy for further clarification to this subject.

You also hereby accept and agree that neither the Business nor any of its owners, officers, trustees, employees, licensors or representatives make any representation or warranty regarding the interception by third parties of personal or other information as may be shared via our communications.

The Business does not warrant that the use of any mentoring, consulting, coaching, training, speaking, lifestyle strategy guidance, group programs, online courses and masterclasses, workshops, or any other services or products will be uninterrupted or error free, that defects will be corrected, or that this Site (including all associated digital pages, sister websites and social media channels) and all related Content shall be free from bugs or viruses or other harmful components. You assume all responsibility for any costs for any repairs and/or corrections as may be necessary.

33. Force Majeure 

As a Client in a Professional-Client Relationship with the Business or any of its owners, officers, trustees, employees, licensors or representatives, neither yourself nor the Business nor any other representative of or to the Sev Joy brand in its entirety, shall be held liable to the other parties for failure to perform any obligation under any agreement if caused by an event beyond our control.

These events include, but aren’t limited to, riots, political or civil unrest, acts of war, terrorism, earthquakes, floods, any other Act of God or any other natural or man-made disaster outside our control. Thus, if any of the aforementioned prescribed events cause the termination of an agreement you may have in place at any time, then the affected party shall inform the other party of the same and shall use all reasonable endeavours to comply with the terms and conditions of the Agreement as contained herein.

IN NO EVENT SHALL THE BUSINESS BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE, RELIANCE OR CONSEQUENTIAL DAMAGES (WHETHER FORESEEABLE OR NOT) INCLUDING, BUT NOT LIMITED TO, DAMAGE OR LOSS OF PROPERTY, EQUIPMENT, INFORMATION OR DATA, LOSS OF PROFITS, REVENUE OR GOODWILL, COST OF CAPITAL COST OF REPLACEMENT SERVICES, OR CLAIMS FOR SERVICE INTERRUPTIONS OR TRANSMISSION PROBLEMS, OCCASIONED BY ANY DEFECT IN THE SITE, THE CONTENT, AND/OR RELATED COACHING, SPEAKING, TRAINING, THERAPY OR MENTORING ADVICE OR MATERIALS, REGARDLESS OF THEORY OF LIABILITY.  THIS LIMITATION SHALL APPLY EVEN IF THE BUSINESS HAS BEEN ADVISED OR IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

34. Breach and Violation

You hereby accept, acknowledge and agree to indemnify and hold the Business and its owners, officers, trustees, employees, representatives, brand and strategic partners, affiliates and associates harmless from any and all liabilities, claims, damages and expenses, including reasonable attorney’s fees, arising out of or relating to:

1. Your breach of this Agreement;
2. Any violation by you of the law or the rights of any other third party;
3. Any materials, resources, training, information, products, services, works and/or other Content of whatsoever nature or media that you post or share across any of the Business’s digital pages (including this Site) or social media channels;
4. Your use of this Site and any of the Business’s associated digital pages or social media channels, or your use of any of the Business’s Content, products or services; and
5. Your conduct in connection with this Site and any of the Business’s associated digital pages or social media channels, products or services; or with any other users related to the Business.

Sev Consulting Intl reserves the right to assume the exclusive defence of any claim for which we are entitled to indemnification under this Section. In such event, you shall provide the Business with cooperation as is reasonably requested by the Business and/or its legal representatives.

35. Termination

The Business and the Sev Joy brand may terminate your access to all or any part of this Site, any associated digital pages, any sister websites, and any of our social media channels at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement, you may simply discontinue using this Site. 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.

36. Amendments and Other Matters

The Business reserves the right to make changes to this Site and any associated digital web pages, our service offerings, our product lines, our Content and information, our Privacy Policy, and these Terms of use at any time and without prior notice. If any of these terms is deemed invalid for any reason, that term shall be severable and the remaining terms of this Agreement shall be given their maximum effect.

By using this Site, any associated digital web pages or our social media channels, you hereby certify that you are over the age of sixteen (16). If you make a purchase on this Site, you are subject to this Agreement and others, including our no refunds policy.

37. General and Jurisdiction

This Site and all associated digital pages, our sister websites and social media channels are owned and controlled by Sev Consulting Intl, including the Sev Joy brand. By accessing or using this Site and all associated digital pages and social media channels, you hereby agree that all matters relating to your access to and use of this Site (and all associated digital pages and social media channels) shall be governed by French legislation regardless of your country of residence or origin, and no matter your citizenship.

This Agreement constitutes the entire agreement between the Business, the Sev Joy brand, and yourself concerning the subject matter hereof, and it may only be modified by way of a written amendment signed by an authorized executive of the Business.

Except to the extent applicable law, if any, provides otherwise, this Agreement and any access to or use of the Site will be governed by the laws of the province of Guadeloupe, French West Indies, 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 necessary courts located in Guadeloupe or closest thereto.

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 any and all applicable French legislation similar to the Comprehensive Arbitration Rules of the Judicial Arbitration and Mediation Service, Inc (“JAMS”). Any arbitration or mediation required shall take place in Petit-Bourge, Guadeloupe, and shall occur in the English language. Any resultant decisions 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 the Terms of use and conditions. The Business 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.

These Terms of use are to be read in conjunction with our Privacy Policy. The provisions of these Terms are for the benefit of the Business, its owners, officers, trustees, employees and representatives, including all subsidiaries, agents, brand partners, associates, affiliates and any other third party content providers and licensors; and each shall have the right to assert and enforce such provisions directly or on its own behalf.

We reserve the right to periodically make changes to this Site, and our service providers may also make improvements and/or changes to this Site at any time. Neither the Business nor its service providers make any representations about the availability, suitability, reliability, timeliness and/or accuracy of the information, content, downloadable material, graphics, software, referred resources, products, programs and services contained in this website for any purpose.

If you are dissatisfied with any portion or portions of this Site or the Business’s associated digital pages or social media channel Content, with these Terms or any disclaimers contained herein, or with our Privacy Policy, your sole and exclusive remedy is to discontinue using this Site and all associated digital web pages and social media channels.

To the maximum extent permitted by law, in no event shall the Business or the Sev Joy brand or its owners, officers, trustees, employees, licensors or representatives, nor its suppliers or associates, be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever – including and without limitation, damages for loss of use, data or profits arising out of or in any way connected with the use or performance of this Site – with the delay or inability to use the Site or related services, the provision of or failure to provide services; or for any information, Content, downloadable material, graphics, software, referred resources, products, programs and services obtained through this website or otherwise arising out of the use of this Site (whether based on contract, tort, negligence, strict liability or otherwise) even if the Business or any of its suppliers or associates has been advised of the possibility of such damages.

If any provision of this Agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining provisions within this Agreement.

These Terms may be revised from time to time by updating this posting. You are bound by any such revisions and should therefore periodically visit this web page to review the then current Terms to which you are bound.

Last Updated:  February 11, 2025