FOCUS: A Blueprint for a Happier Life

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Terms of Use, Disclaimer and Privacy Policy

Users should carefully read the Terms of Use before using this Site.

By using the Site, users are indicating their agreement to be bound by the Terms of Use. This is a legally binding agreement. Users who do not agree with the Terms of Use should not use this Site.

1. agrees to provide users access to this Site in accordance with the Terms of Use.

2. Users agree to use the Site in a manner consistent with any and all applicable rules and regulations.

3. Users accept that the Site is provided on an "as is, as available" basis.


5. may for marketing purposes collect, process and transmit data obtained from and about users in the course of their accessing the site.

6. Users are authorized to download one copy of the material on the Site on one computer for their personal, non-commercial use only but may not, in so doing, remove, use or amend any trademark, copyright or other proprietary notice.

7. Subject to the above, users may not modify, copy, distribute, republish or upload any of the material on the Site without's prior consent in writing. No intellectual property or other rights shall be transferred to users.

8. To the extent that portions of the Site (such as "chat rooms" or "bulletin boards") may provide users an opportunity to post and exchange information, ideas and opinions ("Postings"), users should be aware that DOES NOT SCREEN, EDIT OR REVIEW POSTINGS PRIOR TO THEIR APPEARANCE ON THIS WEB SITE, and Postings do not necessarily reflect's views. To the fullest extent permitted by applicable laws, excludes all responsibility and liability for the Postings or for any losses or expenses resulting from their use and/or appearance on the Site.


PURCHASES:'s liability in the event of a refund request will be limited to the amount of purchase, i.e., the exact dollar amount the user tendered to for the merchandise purchased.

DAMAGES: To the fullest extent permitted by applicable laws, on behalf of its employees, agents, suppliers and contractors excludes liability for any losses and expenses of whatever nature and howsoever arising, including without limitation any direct, indirect, special, punitive or consequential damages, loss of use, loss of data, loss caused by a virus, loss of income or profit, loss of or damage to property, claims of third parties, or other losses of any kind or character, even if has been advised of the possibility of such damages or losses, arising out of or in connection with the use of this site or any web site with which it is linked. Users assume total responsibility for establishing such procedures for data back up and virus checking as they consider necessary.

10. reserves the right to monitor all materials posted on any bulletin board on its sites (“Postings”) and to remove any which considers in its absolute discretion to be offensive or otherwise in breach of these Terms of Use.

11. Users hereby represent and warrant that they have all necessary rights in and to all Postings they provide and all material such Postings contain and that such Postings shall not infringe any proprietary or other rights of third parties.

12. Where may provide hypertext links to other sites, it does so for information purposes only, and such links are not endorsements by of any products or services in such sites. accepts no liability nor makes any endorsement or approval of the same.

13. These Terms of Use contain the entire understanding between and users with respect of this Site, and no representation, statement, inducement - oral or written- not contained herein shall bind either party.

14. Should any part of the Terms of Use be declared invalid or unenforceable by a court of competent jurisdiction, this shall not affect the validity of any remaining portion, and such remaining portion shall remain in full force and effect as if the invalid portion of the Terms of Use had been eliminated.

15. This Agreement is governed by the laws of the State of Florida, without regard to principles of conflict of laws.

To the extent users have in any manner violated or threatened to violate and/or its affiliates' intellectual property rights, and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of Florida, and users consent to exclusive jurisdiction and venue in such courts.

Any other disputes will be resolved as follows:

If a dispute arises under this agreement, agrees to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Saint Augustine, Florida. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each and the user.

If arriving at a mutually satisfactory solution through mediation proves impossible, agrees to submit the dispute to binding arbitration at the following location: Saint Augustine, Florida, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

June 25, 2008


The self-help advice offered on this site and in these booklets is solely for educational use. The author does not intend to present any part of this work as a diagnosis or prescription or substitute for therapy with a licensed professional, nor is she responsible for anyone misinterpreting or misusing the material by such claim. The author also does not assume any liability for damages or loss users or purchasers might incur in connection with this work.


Last Updated: June 25, 2008 strives to offer its visitors (users) the many advantages of Internet technology and to provide an interactive and personalized experience. may use Personally Identifiable Information (user name, e-mail address, street address, telephone number) subject to the terms of this privacy policy. will never sell, barter, or rent any user's email address to any unauthorized third party.

How gathers information from users collects and stores information depending on the page a user is visiting, the activities in which the user elects to participate and the services provided. For example, a user may be asked to provide information to register for access to certain portions of the site or request certain features, such as free sample ecourses or when making a purchase. Users may provide information when they participate in sweepstakes and contests, message boards and chat rooms, and other interactive areas of the site. Like most Web sites, also collects information automatically and through the use of electronic tools that may be transparent to visitors. For example, may log the name of users' Internet Service Provider or use cookie technology to recognize users and hold information from user visits. Among other things, the cookie may store visitor username and password, sparing the user from having to re-enter that information each visit, or may control the number of times a user encounters a particular advertisement while visiting the site. As adopts additional technology, may also gather information through other means. In certain cases, users can choose not to provide with information, for example by setting a browser to refuse to accept cookies, but if a user does this, the user may be unable to access certain portions of the site or may be asked to re-enter user name and password, and may not be able to customize the site’s features according to user preferences.

What does with the information it collects

Like other Web publishers, collects information to enhance user visits and deliver more individualized content and advertising. respects user privacy and does not share user information with anyone.

Aggregated Information (information that does not personally identify a user) may be used in many ways. For example, may combine information about user usage patterns with similar information obtained from other users to help enhance the site and services (e.g., to learn which pages are visited most or what features are most attractive). Aggregated Information may occasionally be shared with's advertisers and business partners. Aggregated information does not include any Personally Identifiable Information about users or allow anyone to identify a user individually. may use Personally Identifiable Information collected on to communicate with users about their registration and customization preferences; about the Terms of Service and privacy policy; about services and products offered by; and about other topics believes users might find of interest. However, operates on an opt-in basis; a user will only receive emails from if that user voluntarily joins the mailing list.

A user's Personally Identifiable Information collected by may also be used for other purposes, including but not limited to site administration, troubleshooting, processing of e-commerce transactions, administration of sweepstakes and contests, and other communications with that user. Certain third parties who provide technical support for the operation of the site ('s Web hosting service for example) may access such information. will use user information only as permitted by law. In addition, from time to time as continues to develop its business, may sell, buy, merge or partner with other companies or businesses. In such transactions, user information may be among the transferred assets. may also disclose user information in response to a court order, at other times when believes it is reasonably required to do so by law, in connection with the collection of amounts a user may owe to, and/or to law enforcement authorities whenever deems it appropriate or necessary. Please note is not required to provide any user with notice prior to disclosure in such cases.

Affiliated sites, linked sites and advertisements expects its partners, advertisers and affiliates to respect the privacy of's users. Users should be aware, however, that third parties, including's partners, advertisers, affiliates and other content providers accessible through the site, may have their own privacy and data collection policies and practices. For example, during a visit to's site a user may link to, or view as part of a frame on a page, certain content that is actually created or hosted by a third party. Also, through users may be introduced to, or be able to access, information, Web sites, features, contests or sweepstakes offered by other parties. is not responsible for the actions or policies of such third parties. Users should check the applicable privacy policies of those third parties when providing information on a feature or page operated by a third party. Third party Websites will automatically open in a new browser window to assist users in knowing when they are on the site or at a third-party site.

While a user is on the site,'s advertisers, promotional partners or other third parties may use cookies or other technology to attempt to identify some of that user's preferences or retrieve information about that user. For example, some of's advertising is served by third parties and may include cookies that enable the advertiser to determine whether a user has seen a particular advertisement before. Other features available on's site may offer services operated by third parties and may use cookies or other technology to gather information. does not control the use of this technology by third parties or the resulting information, and is not responsible for any actions, policies or external links of such third parties.

Any user who voluntarily discloses Personally Identifiable Information on message boards or in chat areas should know that information can be viewed publicly and can be collected and used by third parties without's knowledge and may result in unsolicited messages from other individuals or third parties. Such activities are beyond the control of and this policy.

Children does not knowingly collect or solicit Personally Identifiable Information from or about children under 13 except as permitted by law. If discovers it has received any information from a child under 13 in violation of this policy, will delete that information immediately. Any user who believes has any information from or about anyone under 13 should please contact at the address listed below.

Contacting Us: can be reached by

Changes to this Policy: reserves the right to change this policy at any time. Users should check this page periodically for changes. Users' continued use of the site following the posting of changes to these terms will mean the users accept those changes. Information collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the information was collected.

Governing law

This policy and the use of this Site are governed by Florida law. If a dispute arises under this Policy, agrees to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Saint Augustine, Florida. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each and the user involved in the dispute.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, agrees to submit the dispute to binding arbitration at the following location: Saint Augustine, Florida, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so. is controlled, operated and administered entirely within This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

Children’s Privacy does not knowingly collect personal information from children under the age of 13. If learns that it has personal information about a child under the age of 13, will delete that information from its systems. encourages parents to carefully supervise their children on and off the Internet.

Barbara Sachs Sloan

St. Augustine, FL 32084
(904) 392-1353

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