Last Updated: August 6, 2025

Agreement to Terms:
By accessing and using www.michaeleholden.com (the “Website”), including courses, resources, assessments, books, audiobooks, and associated content (collectively, “Content”), you explicitly agree to these Terms and Conditions. Please read thoroughly. Continued use indicates your explicit consent and agreement to these terms.

Privacy Policy:
We prioritize your privacy and have outlined clearly how we collect, use, and safeguard your information below. Your use of our Website implies acceptance of our Privacy Policy, detailed further down in this document.

Disclaimer:
We provide information intended for educational purposes only. The details of the disclaimer are explained below, emphasizing that this content is not professional advice. Please read the Disclaimer thoroughly before proceeding.

No Use by Minors:
This Website and its content are intended strictly for users aged 18 or older. Anyone under this age is explicitly prohibited from using the Website or accessing any materials provided. If you are under 18, cease use immediately.

Lawful Purposes:
You agree to utilize the Website solely for legal and ethical purposes. Any misuse, including transmitting harmful, abusive, offensive, or illegal content, will result in immediate termination of access and may lead to legal consequences.

Use of Free Downloadable Content:
We offer resources (“Gated Content”) in exchange for your email. This content is licensed only for your personal or internal business use. You agree explicitly not to alter, distribute, resell, or exploit this content commercially or create any derivative works from it without explicit written permission from us.

Material You Submit to the Website:
By submitting any content, including but not limited to comments, testimonials, media, or feedback (“Submissions”), you grant us a non-exclusive, perpetual, worldwide license for marketing and promotional use. You retain ownership rights but accept full responsibility for ensuring that submissions do not infringe upon others' rights. You indemnify us against any claims arising from submissions you make.

Our Intellectual Property:
All Website content is the intellectual property of Michael E. Holden or licensed from third parties. You agree explicitly not to copy, distribute, modify, or exploit our content without our explicit written consent. Unauthorized use of our intellectual property will lead to legal action.

Changed Terms:
We reserve the right to revise these Terms and Conditions at any time. Such revisions become effective immediately upon posting. Your continued use of the Website after any changes are posted constitutes your explicit agreement to the revised terms.

No Warranties:
While we strive to provide accurate, helpful content, all information is provided "as-is." We offer no warranties or guarantees regarding accuracy, completeness, reliability, or suitability for any particular purpose.

Limitation of Liability:
We accept no liability for any direct, indirect, incidental, consequential, or punitive damages resulting from your access, use, or inability to use our Website or its Content, regardless of whether such damages were foreseeable.

No Guarantee of Availability:
The Website’s availability cannot be guaranteed. Interruptions, delays, or accessibility issues may occur without notice, and we are not liable for any inconvenience or loss resulting from such disruptions.

Malicious Code:
We strive to protect our Website from malicious software. However, we cannot guarantee complete protection. You must maintain adequate antivirus measures and accept responsibility for protecting your devices from potential harm.

Security:
We implement reasonable security measures but cannot guarantee absolute protection. You acknowledge inherent risks associated with data transmission and agree that we will not be responsible for unauthorized access or data breaches.

Third-Party Resources:
This Website may contain links or references to third-party resources or websites. We bear no responsibility for third-party content, practices, accuracy, or compliance. Accessing third-party sites is at your own risk.

Indemnification:
You agree to indemnify us from and against any and all claims, liabilities, and expenses arising from your misuse of the Website, breach of these Terms, or infringement of intellectual property rights.

Effect of Headings; Severability:
Section headings serve convenience only and do not affect interpretation. If any provision is deemed invalid, it will be limited to the minimum necessary while leaving remaining provisions fully enforceable.

Entire Agreement; Waiver:
These Terms represent the full agreement between you and us regarding the Website. Failure to enforce a provision does not waive the right to enforce it later.

Governing Law; Jurisdiction:
These Terms are governed exclusively by Illinois law. All disputes shall be addressed in Lake County, Illinois courts, and you waive objections based on jurisdiction or inconvenience.

Alternative Dispute Resolution:
All disputes arising from these Terms shall first undergo mediation. Only if mediation fails may disputes be pursued through arbitration or litigation.

All Rights Reserved:
We retain all rights not explicitly granted herein. Contact us for explicit permissions at [email protected].

Contact Information:
Email: [email protected]