Shelly Oswald 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 Shelly Oswald. If you do not agree to these terms, do not use this Site.

1. Use of Site

Shelly Oswald 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”). Shelly Oswald authorizes each User to view and download one copy of the Materials. Materials may be downloaded and a maximum of one copy of the Materials may be printed provided that Users make no modifications to the Materials and you retain all copyright and other proprietary notices contained in the original Materials on any copies of 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

The 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. Shelly Oswald has not reviewed all of these external websites, does not control them, 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.

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. Shelly Oswald further does not warrant the accuracy and completeness of the Materials at this Site. Shelly Oswald 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 The Materials at this Site may be out of date, and Shelly Oswald makes no commitment to update the Materials at this Site‍.

5. Limitation of Liability

In no event will Shelly Oswald, its suppliers, or any other third parties mentioned at this Site be liable for any damages whatsoever (including, without limitation, those resulting from 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 Pennsylvania, US. Failure to enforce strict performance of the Terms of Use of Use shall not be construed as a waiver of any provision or right. Shelly Oswald may assign its rights and duties under the Terms of Use without notice to any party at any time.

7. Cancellation Policy

All purchases of an event, presentation, online course, digital product, or class (“Service”) are final and nonrefundable. Any full partial refunds or credits for cancellations shall be at the sole discretion of Shelly Oswald. If there are any technical issues in our delivery of any service, please contact us at otfbooks@gmail.com.  

If you are purchasing a recurring membership or subscription Service, you must cancel at least 10 days before your next billing date to not be charged for your next billing. We will not refund any fees already paid to us. Following any cancellation notice, you will continue to have access to the Service through the end of your current billing period. 

Shelly Oswald reserves the right to cancel all or a portion of a Service at any time. Any full or partial refunds or credits for Services canceled by Shelly Oswald shall be at the sole discretion of Shelly Oswald and will be communicated in the cancellation notice, if applicable. Shelly Oswald is not responsible for any expenses incurred by you in preparation for any Service, including, but not limited to, transportation costs and/or specialized apparel or equipment. 

If a refund is granted, your refund will be credited to the original form of payment used for the original transaction.      

Please note that credit card refunds may take up to 10 business days for your bank to complete, depending on their processing times. This can vary greatly between credit card issuers. We are not liable for any delay in processing.  

7. Communications

You consent to us sending to you, by any medium, firm newsletters, surveys, press releases, information concerning firm webinars, and any other communication sent to some or all of our clients. You are not required to provide this consent to retain our services. If you choose to opt-out of receiving these client communications, you will notify Shelly Oswald.

8. Effective Date and Updates

The Terms are effective as of May 15, 2022 and are subject to change without notice by Shelly Oswald at any time. Please check for changes regularly. Your use of this Site after such changes constitutes your agreement to such changes.