I agree to be bound by these terms . . .

Therese Kopiwoda maintains this website, any courses offered and other linked and related sites (the “Site”) for the use of its customers, vendors, students, and other Site users (“Users”) upon agreement to the following terms. Please read the terms carefully before using the Site. Use of this website indicates acceptance of these “Terms of Use” and forms a binding agreement between you and Therese Kopiwoda. If you do not agree to these terms, do not use this Site.

1. Use of Site
Therese Kopiwoda provides various materials, information, quizzes, tests, questions, articles, news and other information on this and related sites and in courses offered through this site (the “Materials”). Users may not modify the Materials at this Site in any way or reproduce, share or distribute them. Users will keep all Materials confidential, and will not sell, auction, loan, rent, give away, describe, summarize, or otherwise reveal the Materials or their contents, to any other person or entity. Any breach of these Terms of Use automatically terminates your authorized use of the Site.

2. Trademark and Copyright
Therese Kopiwoda, and certain other brands, trademarks, and service marks are marks of Therese Kopiwoda, affiliates or respective owners. Materials on this Site are copyrighted, and any unauthorized use of any Materials on this Site may violate copyright, trademark, and other laws.

3. Hyperlinks
Links to external websites are provided solely as a convenience to you. Therese Kopiwoda has not reviewed all of these external websites, does not control and is not responsible for any of these sites or their content. If you decide to access any of the external websites linked to this Site, you do so entirely at your own risk. Furthermore, some links may be affiliate links, meaning Therese Kopiwoda may receive a commission if items are purchased.

4. No Warranty
The Materials provided at this site are provided “as is” without any warranties of any kind including warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property. Therese Kopiwoda further does not warrant the accuracy and completeness of the Materials at this Site. Therese Kopiwoda may make changes to the Materials at this Site, or to the services and prices described in them, at any time without notice. The Materials at this Site may be out of date, and Therese Kopiwoda makes no commitment to update the Materials at this Site.

5. Limitation of Liability
In no event will Therese Kopiwoda, its suppliers, or other third parties mentioned at this Site be liable for any damages whatsoever (including, without limitation, those resulting from lower test scores, interruption of services or inaccurate information) arising out of the use, inability to use, or the results of the use of this Site, any websites liked to this Site, or the Materials or information contained at any or all such sites, whether based on warranty, contract, tort or any other legal theory and whether or not advised of the possibility of such damages. If your use of the Materials or information from this Site results in the need for servicing, repair or correction of equipment or data, you assume all costs thereof.

6. Applicable Law
The Terms of Use are governed by the laws of the state of Indiana, USA. Failure to enforce strict performance of the Terms of Use shall not be construed as a waiver of any provision or right. Therese Kopiwoda may assign its rights and duties under the Terms of Use without notice to any party at any time.

7. Termination
This agreement is effective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from my site and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise. This agreement will terminate immediately without notice if in our sole discretion you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this site and any and any and all other Therese Kopiwoda websites and all copies thereof, whether made under the terms of this agreement or otherwise.

8. Refunds
All sales of digital products and downloadable files are final. Due to the nature of these items, they are non-refundable and cannot be exchanged once the download has started.

9. Effective Date and Updates
The Terms are effective as of June 11, 2026 and are subject to change without notice by Therese Kopiwoda at any time. Please check for changes regularly. Your use of this Site after such changes constitutes your agreement to such changes.