Terms of Services

Last Updated: November 5, 2025

Welcome to annette-michele.com (“we,” “us,” “our”). By accessing or using our website, services, or any related content, you agree to the following Terms of Service (“Terms”). Please read them carefully. If you do not agree, please discontinue use of the site immediately.

You agree to use this website only for lawful purposes and in a way that does not infringe on the rights of others or inhibit their use of the site. You must not misuse the website by attempting to hack, interfere with functionality, or introduce malicious code.

Our website provides information, consulting services, and related professional resources under Annette Michele Consulting. All services, descriptions, and content on this website are offered on an as-available basis and may be updated or modified at any time without notice.

All content on this site — including text, graphics, logos, images, videos, and digital materials — is the property of Annette Michele Consulting unless otherwise stated. You may not copy, distribute, modify, or use any content without written permission.

If you create an account on our website:

• You are responsible for maintaining the confidentiality of your login information.
   
• You agree to provide accurate and current information.
   
• We reserve the right to suspend or terminate accounts that violate our Terms.
   

If services are purchased through the website:

• You agree to provide accurate billing information.
   
• All payments are final unless stated otherwise in a written refund or cancellation policy.
   
• We reserve the right to change pricing at any time.
   

Our website may contain links to third-party websites or services. We do not control or endorse these sites and are not responsible for their content, policies, or practices. Use of third-party sites is at your own risk.

Our website and its content are provided “as is” and “as available.”
We do not guarantee:

• that the site will be uninterrupted or error-free,
• the accuracy or reliability of content, or
• that the site is free from harmful components.
   

Your use of the website is at your own discretion and risk.

To the fullest extent permitted by law, Annette Michele Consulting is not liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• use or inability to use the website,
• reliance on any content or information,
• issues caused by third-party services or links.
   

You agree to indemnify and hold harmless Annette Michele Consulting from any claims, damages, losses, liabilities, or expenses arising out of your use of the website or violation of these Terms.

Your use of the website is also governed by our Privacy Policy. Please review it to understand how your information is collected and used.

We may update or modify these Terms at any time. Continued use of the site after changes are posted constitutes your acceptance of the new Terms.

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. Any disputes must be handled in courts located in California.

If you have questions about these Terms, please contact us:

Annette Michele Consulting
Email: info@annette-michele.com
Website: annette-michele.com