Last Updated: October 11, 2024

By accessing or using this website in any manner, including but not limited to visiting or browsing the site, as a user ("You") agree to be bound by these Terms and Conditions and Our Privacy Policy. Please read them carefully before using this website.
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General Provisions
This website is owned and operated by Elizabeth Kowalski, doing business as Studio Merit (hereafter “Our”, “We” or “Company”). Our principal place of business is located at Los Angeles, California, 90034. We comply with the California Consumer Privacy Act (CCPA) and the General Data Protection Regulation (GDPR) for applicable users. For more information on how We collect, store, and handle personal data, please see Our Privacy Policy.

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

Age Requirements
You must be at least 13 to use Our website, and if You are outside of the United States You must be the necessary age to utilize websites in Your country of residence.

Intellectual Property Notice
All text, photographs, graphics and other materials on this site are subject to the copyrights and other intellectual property rights of Elizabeth Kowalski and are protected by United States Copyright Laws (USC Title 17). Website materials may not be copied for any reason, including your personal use, commercial use, or distribution, nor may these materials be modified or reposted to other sites, without the prior express written permission of Company. We may prosecute You to the fullest extent permissible should We choose to do so, including asking for financial penalties (damages) and/or an injunction forcing You to stop using Our intellectual property immediately.

Return Policy
Due to the digital nature of Our services, all completed services are non-refundable once delivered. If You experience any issues with Our service, please contact us, and We will make reasonable efforts to resolve the issue.

Limitation of Liability
In no event shall Company or its affiliates, employees, or agents be liable to You or any third party for any direct, indirect, incidental, special, consequential, or punitive damages arising out of Your access to or use of Our website, even if We have been advised of the possibility of such damages.

Your Communications
Any communications made through Our newsletter sign-up or other related pages, or directly to Our phones or mailing or email addresses is not held privileged or confidential and is subject to viewing and distribution by third-parties. We own any and all communications displayed on Our website, servers, comments, emails or other media as allowed by United States law and will not give credit or pay royalties for unsolicited user-generated content such as blog comments or emails. For more information on when and how We store and use Your communications or any data provided by You in those communications, please refer to Our Privacy Policy on this page.

By submitting content to Our website (such as comments or other submissions), You grant Us a perpetual, worldwide, irrevocable, royalty-free license to use, reproduce, modify, and distribute such content in any medium or format.

We maintain a right to republish any submission in whole or in part as reasonably necessary in the course of Our business. You agree not to submit any content or communications that could be illegal or serve an unlawful purpose, including, but not limited to communications that are potentially libelous or maliciously false, obscene, abusive, negligent or otherwise harmful or inappropriate.

Disclaimers
Our website and related materials are provided for educational and informational use only. You agree to indemnify and hold harmless Our website and company for any direct or indirect loss or conduct incurred as a result of Your use of Our website and any related communications, including as a result of any consequences incurred from technological failures such as a payment processor error(s) or system failure(s).

While We may reference certain results, outcomes or situations on this website, You understand and acknowledge that We make no guarantee as to the accuracy of third-party statements contained herein or the likelihood of success for You as a result of these statements or any other statements anywhere on this website. If You have medical, legal or financial questions, You should consult a medical professional, lawyer or CPA and/or CFP respectively. We expressly disclaim any and all responsibility for any actions or omissions You choose to make as a result of using this website, related materials, products, courses or the materials contained herein.

While Company may offer discounts or offers at various times, these discounts or offers may be terminated or amended at any time without explanation or warning. Sales, discounts, and offers will not be retroactively applied to past purchases.This website is updated on a regular basis and while We try to make accurate statements in a timely and effective manner, We cannot guarantee that all materials and related media contained herein are entirely accurate, complete or up to date. You expressly acknowledge and understand that any information or knowledge You gain as a result of using this website is used at Your own risk. If You should see any errors or omissions and would like to let us know, please email us at hello@studiomerit.com.

Earnings Disclaimer
Company makes no income/financial claims, nor guarantees of any kind regarding the potential income that can be generated through Our website or communications. Past results presented on the website are not an indication or promise of Your results. There is no guarantee You will earn any money using any of Our materials, and Your revenue is dependent solely on you and your actions or non-actions.

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

Entire Agreement
The information contained herein constitutes the entire agreement between site users and Our company relating to the use of this website.

Severability & No Waiver
If any part of these Terms and Conditions of Use is deemed unlawful and/or unenforceable, all other provisions contained herein will remain in full force and effect. Any failure by Company to enforce a provision of this Terms and Conditions of Use shall not constitute a waiver of any other portion or provision of this Terms and Conditions.

Headings
Headings and titles are provided in this Terms and Conditions of Use for convenience only and will not be construed as part of the legal terms.

Venue & Jurisdiction
This Terms and Conditions of Use and Our Privacy Policy shall be governed by and construed in accordance with the laws of the State of California including all matters of construction, validity, performance, and enforcement and without giving effect to the principles of conflict of laws. You agree that any dispute or lawsuit arising out of, or concerning, this Agreement that is not first resolved by arbitration shall be resolved exclusively in a federal or state court of competent jurisdiction located in Los Angeles County, California. You and Company assume responsibility for their own collection costs and legal fees incurred should enforcement of these conditions should it become necessary.

Arbitration
Any and all disputes or disagreements rising between Company and You out of this Terms and Conditions of Use upon which an amicable understanding cannot be reached, shall be decided by arbitration in accordance with the procedural rules of the American Arbitration Association. Company and You agree to be bound by the decision of the arbitrator(s). The arbitration proceeding shall take place in Los Angeles County, California. The cost and expenses of the arbitrators shall be shared equally by the parties. Each party shall be responsible for its own costs and expenses in presenting the dispute for arbitration. You agree to resolve disputes with Us on an individual basis and waive any right to participate in a class-action lawsuit or class-wide arbitration.

Updates to Terms & Conditions
We may update these Terms and Conditions at any time. Any changes will be posted on this page, and the 'Last Updated' date will be revised. Continued use of the website after any such changes constitutes Your consent to such changes. We encourage You to review this page periodically.

Questions
If You require any more information or have any questions about these Terms and Conditions of Use or Our Privacy Policy, please feel free to contact us by email at hello@studiomerit.com.