Terms of Service

Last Updated: November 1 , 2022

Introduction

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Our aim is to keep this Agreement as readable as possible, but in some cases for legal reasons, some of the language is required "legalese".

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Your Acceptance of this Agreement

The following terms and conditions, together with any documents and/or additional terms they expressly incorporate by reference including, without limitation, our Privacy Policy (as defined below), constitute a legal agreement (collectively, this "Agreement") and are entered into by and between you ("you", "your", "User") and Rumana Nadeem ("Company" "we" "us", & "our").

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This Agreement contains very important information regarding your rights and obligations, as well as conditions, limitations, and exclusions that apply to your access and use of www.rumananadeem.com (the "Website") and Services used on www.rumananadeem.com. Please read the Agreement carefully.

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By accessing and using this website and services provided by Rumana Nadeem, you:

• Accept and agree to be bound and comply with this agreement;

• You represent and warrant that you are the legal age of majority under applicable law to form a binding contract with us; and,

• You agree if you access the website from a jurisdiction where it is not permitted, you do so at your own risk.

 

Updates to this Agreement or the Website

We may revise this Agreement and the Website and its content at any time without notice and all such revisions are effective immediately upon posting and apply to all access to and continued use of the Website. By continuing to use this Website you are agreeing to be bound by the then current version of this Agreement.

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Your Responsibilities

You are required to ensure that all persons who access the Website and use services on the website are aware of this Agreement and comply with it. The Website, including content or areas of the Website, may require user registration. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

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Any username, password, or any other piece of information chosen by you, or provided to you as part of our security procedures, must be treated as confidential, and you must not disclose it to any other person or entity. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you logout from your account at the end of each session. You are responsible for any password misuse or any unauthorized access.

 

Prohibited Activities

You are prohibited from attempting to circumvent and from violating the security of this Website, including, without limitation:

• accessing content and data that is not intended for you;

• attempting to breach or breaching the security and/or authentication measures which are not authorized;

• restricting, disrupting or disabling service to users, hosts, servers, or networks;

• illicitly reproducing TCP/IP packet headers;

• disrupting network services and otherwise disrupting our ability to monitor the Website;

• using any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website;

• introducing any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful;

• attacking the Website via a denial-of-service attack, distributed denial-of-service attack, flooding, mailbombing, or crashing; and

• otherwise attempting to interfere with the proper working of the Website.

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Ownership of the Website and Content

You understand and agree that the Website and any and all of its entire contents (including without limitation all text, graphics, interfaces, images, video, sounds, music, artwork, designs, computer code, data, and other elements available on or through the Website, and the design, structure, selection, arrangement, and look and feel of those items, and the Website as a whole), features, and functionality are owned by us, our licensors, or other providers of such material and are protected in all forms by intellectual property laws including without limitation, copyright, trademark, patent, trade secret, and any other proprietary rights. Your use of the Website does not transfer to you any right, title or interest in, to or associated with the Website or its content.

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Your Limited Rights to Access and Use the Website

The viewing or downloading of any content, grants you only a limited, non-exclusive, revocable, non-transferable licence for use solely by you for your own personal use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works or other use. No part of any content, form or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, without written approval from Rumana Nadeem. 

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Our Rights

We have the right, without provision of notice to:

• take appropriate legal action, including, without limitation, referral to or cooperation with law enforcement or regulatory authorities, or notifying the harmed party of any illegal or unauthorized use of the Website;

• terminate or suspend your access to all or part of the Website for any or no reason, including, without limitation, any violation of this Agreement;

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YOU ARE SOLELY AND ENTIRELY RESPONSIBLE FOR YOUR USE OF THE WEBSITE AND YOUR COMPUTER, INTERNET, AND DATA SECURITY. YOU WAIVE AND HOLD HARMLESS COMPANY AND ITS PARENT, SUBSIDIARIES, AFFILIATES, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, LICENSORS, LICENSEES, SUPPLIERS, AND SUCCESSORS FROM ANY AND ALL CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE COMPANY AND ANY OF THE FOREGOING PARTIES RELATING TO ANY, INVESTIGATIONS BY EITHER THE COMPANY OR BY LAW ENFORCEMENT AUTHORITIES.

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Third-Party Links and Content

For your convenience, this Website may provide links or pointers to third-party sites or third-party content. We make no representations about any other websites or third-party content that may be accessed from this Website. If you choose to access any such sites, you do so at your own risk. We have no control over the third-party content or any such third-party sites and accept no responsibility for such sites or for any loss or damage that may arise from your use of them. You are subject to any terms and conditions of such third-party sites.

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Disclaimer

You understand and agree that your use of the website, its content, and any goods, digital products, services, information or items found or attained through the website is at your own risk. the website, its content, and any goods, services, digital products, information or items found or attained through the website are provided on an "as is" and "as available" basis, without any warranties or conditions of any kind, either express or implied including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. The foregoing does not affect any warranties that cannot be excluded or limited under applicable law.

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You acknowledge and agree that Rumana Nadeem or her respective directors, officers, employees, agents, service providers, contractors, licensors, licensees, suppliers, or successors make no warranty, representation, or endorsement with respect to the completeness, security, reliability, suitability, accuracy, currency, or availability of the website or its contents or that any goods, services, digital products, information or items found or attained through the website will be accurate, reliable, error-free, or uninterrupted, that defects will be corrected, that our website or the server that makes it available or content are free of viruses or other harmful components or destructive code.

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Professional disclaimer

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The information provided in or through our Website, Programs, Products, and Services is not intended to be a substitute for professional medical advice, diagnosis or treatment that can be provided by your own Medical Provider (including doctor/physician, nurse, physician’s assistant, or any other health professional), Mental Health Provider (including psychiatrist, psychologist, therapist, counselor, or social worker), or member of the clergy. 

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Intuitive information received during a session is intended to provide general and inner developmental information only and is not intended as medical advice, psychiatric or psychological evaluation, diagnosis, or treatment. Rumana Nadeem does not diagnose conditions, perform medical treatment, or interfere with the treatment of a licensed medical professional.

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In booking a session with Rumana Nadeem, you agree and verify that you, the client: 

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1. Have voluntarily decided to participate and have requested a session of your own free will.

2. You alone hold the decision-making power and are completely responsible for making decisions that affect your life following your session.

3. You accept complete responsibility for your own medical, health, mental, emotional, psychological, and spiritual well-being.

4. You are 18 years of age, and not declared incompetent.

5. On behalf of yourself, your assigns, heirs, executors, guardians, and all other legal representatives, hereby release, discharge, waive, and forever relinquish Rumana Nadeem, including her employees, employers, and any other persons associated with Rumana Nadeem, from any and all known or unknown claims resulting from, arising out of or in any way connected with information you may or may not receive during your voluntary participation to work with Rumana Nadeem. You further agree that under no circumstances will you, or any other person associated with you present any claims against, prosecute, sue, seek to attach any lien for any purpose including satisfaction of a judgment or other judicial decree, to the property of Rumana Nadeem, and you hereby waive all claims, demands, compensation, and all actions that you, anyone associated with you or any other participant in the session currently or hereafter may have for any injuries or perceived injuries or perceived or real losses you may suffer or believe to suffer because of or during your participation or involvement in a session or learning program resulting from any actions, statements, answers to questions or omissions made by Rumana Nadeem.

6. Understand and agree that in the event any claim for damages shall be brought or prosecuted against Rumana Nadeem or any persons associated with Rumana Nadeem as a result of your actions, omissions, or other act, that you and/or your estate shall indemnify and hold harmless Rumana Nadeem and all persons associated with Rumana Nadeem from any and all claims, actions or damages, legal and otherwise, made by you or anyone associated with you including the cost and expense associated with defending such actions or claims. 

7. Understand that all information provided to you during your session is considered confidential and shall not be disclosed except as required by law. 

8. Agree that Rumana Nadeem can use portions of any feedback sent to her after the session as a testimonial using the first name only and state/province and country and without revealing any specific information about the session.

9. Agree that Rumana Nadeem can use portions of your session for educational articles and promotion without revealing any of your personal information.

10. Agree to receive occasional future emails from Rumana Nadeem in the form of a newsletter with special offers, news, and other information. You can unsubscribe from these newsletters at any time.

11. Are accepting the terms of this agreement, disclaimer, and liability release, by your own free will while fully comprehending what you are doing and the result and consequences of your actions

12. Have read this and fully understand this agreement, and understand that booking and purchasing a session, or learning program with Rumana Nadeem represents signing, accepting and agreeing to all the conditions stated within this agreement and includes a release of all possible liability of Rumana Nadeem.

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You, The Client, Accept And Agree To All Of These Terms And Conditions upon purchasing goods or services provided by Rumana Nadeem and waive any and all legal actions against Rumana Nadeem.

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For Educational and Informational Purposes Only

The information provided in or through our Website, Programs, Products and Services is for educational and informational purposes only and is made available to you as self-help tools for your own use.

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Not Legal or Financial Advice

The information contained in our Website, Programs or Services is not intended to be a substitute for legal or financial advice that can be provided by your own attorney, accountant, and/or financial advisor. Although care has been taken in preparing the information provided to you, we cannot be held responsible for any errors or omissions, and we accept no liability whatsoever for any loss or damage howsoever arising. The law varies by state/province, and it is constantly changing, and therefore it affects each individual and business in different ways.  As a result, it is recommended to seek outside financial and/or legal counsel relating to your specific circumstances as needed. You are hereby advised to consult with your tax consultant, accountant or lawyer for any and all questions and concerns you have, may have, or hereafter have regarding your own income and taxes, and any and all information presented by our Website, Programs or Services pertaining to your specific financial and/or legal situation.

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Personal Responsibility

Our Website, Programs, Products, and Services aim to accurately represent the information provided. You are acknowledging that you are participating voluntarily in using our Website, Programs, Products, and Services, and you alone are 100% solely and personally responsible for your results. You agree to use your own due diligence and judgment before applying any recommendation or advice that you may receive on or through our Website, Programs, Products and Services.  You acknowledge that you take full responsibility for your health, life and well-being, as well as the health, lives and well-being of your family and children (where applicable), for all decisions now and in the future.

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No Guarantees of Any Kind

My role is to support and assist you in reaching your goals, but your success depends primarily on your own effort, motivation, commitment and follow-through. I cannot and do not guarantee that you will attain a particular result or income increase, and you accept and understand that results differ by each individual. As with any spiritual program or service that you purchase, your results may vary, and will be based on many variables, so therefore no guarantees can be made.  You agree that I am not responsible for your success or failure, the increase or decrease of your finances or income level, or any other result of any kind that you may have as a result of information presented to you through our Website, Programs, Products and Services. You are solely responsible for your results.

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Affiliates disclaimer

The Site may contain links to affiliate websites, and we receive an affiliate commission for any purchases made by you on the affiliate website using such links. 

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Testimonials disclaimer

The Site may contain testimonials by users of our products and/or services. These testimonials reflect the real-life experiences and opinions of such users. However, the experiences are personal to those particular users, and may not necessarily be representative of all users of our products and/or services. We do not claim, and you should not assume, that all users will have the same experiences. YOUR INDIVIDUAL RESULTS MAY VARY. 

The testimonials on the Site are submitted in various forms such as text, audio and/or video, and are reviewed by us before being posted. They appear on the Site verbatim as given by the users, except for the correction of grammar or typing errors. Some testimonials may have been shortened for the sake of brevity where the full testimonial contained extraneous information not relevant to the general public.

The views and opinions contained in the testimonials belong solely to the individual user and do not reflect our views and opinions. We are not affiliated with users who provide testimonials, and users are not paid or otherwise compensated for their testimonials.

The testimonials on the Site are not intended, nor should they be construed, as claims that our products and/or services can be used to diagnose, treat, mitigate, cure, prevent, or otherwise be used for any disease or medical condition. No testimonials have been clinically proven or evaluated.

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Assumption of Risk

There are sometimes unknown individual risks and circumstances that can arise during use of my Website, Programs, Products and Services that cannot be foreseen that can influence or reduce results.  I am not responsible for your personal choices or actions before, during or after use of our Website, Programs, Products and Services. You understand that any mention of any suggestion or recommendation on or through my Website, Programs, Products or Services is to be taken at your own risk, with no liability on my part, recognizing that there is a rare chance that illness, injury or even death could result. You accept full responsibility for the consequences of your use, or non-use, of any information provided by me through any means whatsoever. Your use, or non-use, of this information is at your own risk, and you absolve me of any liability or loss that you, your business, or your family or children (if applicable) or any other person, may incur from your or their use, or non-use, of the information provided.

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Indemnification and Release of Claims.

You hereby fully and completely hold harmless, indemnify and release me and any of my employees, staff, consultants, agents, interns, business managers, team members, assistants, owners, directors, shareholders, affiliates,  joint venture partners, or anyone else affiliated with my business, from any and all liability, damages, claims; including but not limited to those related to lost profits, personal or business interruptions, personal injuries, accidents, misapplication of information, physical or mental disease or condition or issue, or any type of loss or damage or otherwise, even if I am expressly advised in advance of the possibility of such damages or difficulties. You agree that you fully and completely hold harmless, indemnify and release me from any and all causes of action, allegations, suits, sums of money, claims, demands whatsoever, in law or equity that may arise in the past, present or future that arises from your participation in or is in any way related to my Website, Programs, Products and Services. In the event that you use any information, gift, product, program or service provided on or through my Website, Programs, Products and Services by me, or affiliated with me or my business, you are solely liable and responsible for any actions, errors, omissions, or consequences.

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How We Limit Our Liability to You

Except where such exclusions are prohibited by law, under no circumstance will the company nor its respective directors, officers, employees, agents, service providers, contractors, licensors, licensees, suppliers, or successors be liable for negligence, gross negligence, negligent misrepresentation, fundamental breach, damages of any kind, under any legal theory, including any direct, indirect, special, incidental, consequential, or punitive damages, including, but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract, breach of privacy, or otherwise, even if the party was allegedly advised or had reason to know, arising out of or in connection with this agreement, your use, or inability to use, or reliance on, goods, digital products, services, information, the website, any linked websites or such other third-party websites, nor any website content, materials, posting, or information thereon even if company was allegedly advised or had reason to know.

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Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Company, its parent, subsidiaries, affiliates, and their respective directors, officers, employees, agents, service providers, contractors, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your breach of this Agreement or your use of the Website including, but not limited to, third-party sites and content, any use of the Website's content and services other than as expressly authorized in this Agreement.

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Privacy Policy

Your provision of personal information through the Website is governed by our privacy policy located here: https://www.rumananadeem.com/privacy-policy (the "Privacy Policy").

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Governing Law

The Website and this Agreement will be governed by and construed in accordance with the laws of the Province of Ontario and any applicable federal laws applicable therein, without giving effect to any choice or conflict of law provision, principle, or rule and notwithstanding your domicile, residence, or physical location. Any action or proceeding arising out of or relating to this Website and/or under this Agreement will be instituted in the courts of the Province of Ontario, and each party irrevocably submits to the exclusive jurisdiction of such courts in any such action or proceeding. You waive any and all objections to the exercise of jurisdiction over you by such courts and to the venue of such courts.

The parties agree that the United Nations Convention on Contracts for the International Sale of Goods will not govern this Agreement or the rights and obligations of the parties under this Agreement.

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Other Matters

The headings in this Agreement are for reference only and shall not affect the interpretation of this Agreement.

This Agreement constitutes the entire agreement between you and Rumana Nadeem with respect to your access and use of the Website, services, and its content. This supersedes all prior and contemporaneous agreements between you and Rumana Nadeem.

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Failure of Rumana Nadeem to enforce any provision of this Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision.

Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect.​

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This website is operated by Rumana Nadeem. If you have any questions about this Terms of Service or Disclaimer, please contact info@rumananadeem.com