Privacy Policy – Terms of Use – Disclaimer - noíavie

Privacy Policy – Terms of Use – Disclaimer

This website is owned by Ina-Maresa Arnold (MiA) By accessing or using the website, you agree to the terms outlined in this Disclaimer. If you disagree, discontinue use immediately.

Educational and Informational Purposes Only
All content provided through this website is intended solely for educational and informational purposes and should not be considered professional advice.
Not Medical, Mental Health, or Religious Advice
The website’s content is not a substitute for professional medical, psychological, or religious guidance. Always consult licensed professionals for health or spiritual concerns.
Not Legal or Financial Advice
Content on this website does not constitute legal or financial advice. Users are encouraged to consult professionals regarding personal legal and financial matters.
Personal Responsibility
By using this website, you acknowledge your personal responsibility for any decisions you make based on its content.
No Guarantees
Results depend on individual effort and circumstances. The website makes no guarantees regarding specific outcomes or results.
Earnings Disclaimer
Income examples provided are illustrative and do not guarantee future financial success.
Testimonials
Testimonials shared on the website are individual results and not indicative of guaranteed results for others.
Assumption of Risk
Users accept all risks associated with using the website’s content and hold the owner harmless for any damages incurred.
Limitation of Liability
The website and its owner are not responsible for any damages resulting from its use, including but not limited to lost profits, injuries, or legal claims.
Indemnification
Users agree to indemnify the website owner against any claims or damages arising from their use of the website.
No Warranties
The website and its content are provided “as-is” without warranties of any kind, either express or implied.
Errors and Omissions
The website owner is not liable for typographical errors or inaccuracies in content.
No Endorsements
References to third-party resources or links do not constitute endorsements.
Affiliates
The owner may promote third-party products or services and earn commissions. Users assume all risks associated with purchases made through affiliate links.

By using this website, you agree to all aspects of the above Disclaimer. Questions can be directed to hello.noiavie@gmail.com.

WEBSITE TERMS OF USE

The website and its content are owned by Ina-Maresa Arnold (MiA) By accessing this website, you agree to these Terms of Use. If you disagree, discontinue use immediately.

1. Ownership and Intellectual Property Rights

All content, design, layout, graphics, and materials on this website are owned by the website owner and protected by intellectual property laws of the Republic of Germany.
Users are granted a limited, non-transferable license for personal, non-commercial use.
Copying, sharing, modifying, or reproducing content without written consent is prohibited.

2. Eligibility

By accessing the website and these terms and conditions you confirm that you are at least 18 years old.
Users under 18 must discontinue access immediately.

3. Use of Content

Content is for informational purposes only. Unauthorized commercial use is strictly prohibited.
Users may download or print content for personal use but must credit the website owner.
Limitations on Linking and Framing
- You may link to our website as long as the link does not imply sponsorship, endorsement, or ownership by our website.
- Framing or inline linking of our content without written permission is strictly prohibited.

4. Prohibited Conduct

Users agree not to:

Engage in fraudulent or illegal activity.
Disrupt the website’s functionality with harmful software or code.
Copy, resell, or exploit website content for personal or financial gain.

5. Third-Party Links

The website may contain links to third-party resources. These links are for informational purposes only and do not constitute endorsements.
The website owner is not responsible for the content, accuracy, or policies of third-party websites.

6. User Responsibility

Users agree to use the website responsibly and comply with all applicable laws.
Users are solely responsible for their actions and any consequences arising from website use.

7. Termination

The website owner reserves the right to terminate access to the website at any time for violations of these Terms of Use.
Upon termination, users must cease all use of content obtained from the website.
We reserve the right to discontinue or retire any online programs that are outdated, obsolete, or older than one year, as part of our commitment to providing relevant and high-quality content

8. Disclaimer

The website and its content are for educational purposes only, and the owner is not liable for any loss, harm, or damages resulting from its use. This includes accidents, injuries, lost profits, or business interruptions. Users also acknowledge that the website owner is not responsible for defamatory, offensive, or illegal actions by other users.

9. Technology Disclaimer

The website strives for uninterrupted and error-free access but cannot guarantee it. Temporary restrictions may occur for maintenance or technical reasons. The owner is not liable for damages, refunds, or other claims if access is slow, incomplete, or unavailable due to issues like server overloads, internet traffic, or system updates.

10. Release of Claims

The website owner is not liable for any damages, including direct, indirect, or consequential, resulting from the use of or reliance on the website and its content. Users release the owner from all claims, including lost profits, interruptions, injuries, or any other losses, even if the possibility of such damages was known.

11. Online Commerce

When making purchases on the website, your transaction details may be collected by the website owner, the merchant, and/or the payment processor. The website owner is not liable for any issues, including losses or disputes, arising from dealings with third-party merchants. Payment processors and merchants may have separate policies, and users are advised to review their terms directly. By using the website for purchases, users release the owner and affiliates from any claims or damages related to these transactions.

WEBSITE PRIVACY POLICY

This Privacy Policy outlines how your personal information is collected, used, and protected when interacting with the website.

1. Collection of Information

Personal information such as your name, email address, country of residency and billing details may be collected when signing up for programs, services, or communications.
Non-identifiable traffic data, including IP addresses and cookie information, may be used to enhance user experience and analytics.
Confidential Information will not be disclosed to third parties unless:
- Required by law,
- Necessary to comply with legal processes,
- Needed to protect rights, property, or safety,
- Permitted by you.

2. Use of Information

Personal data is used for communication, improving website services, and delivering products or programs.
Your information will not be shared with third parties unless required by law or to protect user safety.

3. Storage and Security

Data is stored securely via a data management system.
Reasonable measures are taken to protect personal information, but users accept inherent risks associated with online data transmission.

4. User Responsibility

Users are responsible for maintaining the confidentiality of login credentials.
If you no longer wish to receive the newsletters or other communication it is your responsibility to unsubscribe or email hello.noiavie@gmail.com to inform us.
Any unauthorised use or security breaches must be reported to hello.noiavie@gmail.com.

5. Anti Spam Policy

The website has a strict no-spam policy. Users can opt out of communications via the unsubscribe link in emails. The website complies with the CAN-SPAM Act of 2003 and does not sell, rent, or share email addresses.

6. Assignment of Rights

If the website’s assets are transferred through a sale, assignment, or joint venture, your information may also be transferred but must remain consistent with the Privacy Policy unless you provide consent. Changes to the Privacy Policy or website may occur at any time, and updates take effect immediately upon posting. Continued use of the website indicates acceptance of these changes. For questions, contact hello.noiavie@gmail.com.

7. Cookies

The website uses cookies to improve functionality and user experience. Users may disable cookies in their browser settings but understand that this may limit website features.

8. Children’s Privacy

The website does not knowingly collect personal information from individuals under the age of 18 or provide services to minors. If the legal age of adulthood in a user’s country of residence exceeds 18, services will be restricted accordingly. This policy is in compliance with the Children’s Online Privacy Protection Act (COPPA) and other applicable regulations.

9. Third-Party Policies

Links to external websites are provided for convenience. The website owner is not responsible for the privacy practices or content of third-party websites.

10. Changes to Privacy Policy

This Privacy Policy may be updated periodically. Continued use of the website constitutes acceptance of any modifications.

If you have questions about this policy, contact hello.noiavie@gmail.com

REFUND POLICY

1. No Refunds

Due to the time, effort, and resources invested in the programs, products, and services, all sales are final. Refunds will only be provided under circumstances explicitly required by applicable consumer protection laws (e.g., defective products, non-delivery of services). If you believe you qualify for a refund under these conditions, please contact hello.noiavie@gmail.com within 14 days of purchase. Refund requests outside of these conditions will not be honored.
Refunds are not provided for any reason unless explicitly stated by applicable law.

2. Chargebacks

Users agree to contact hello.noiavie@gmail.com to resolve any issues before initiating a chargeback. Initiating a chargeback without prior communication may result in the immediate termination of services and access to purchased materials. We encourage users to allow up to 14 days for resolution before initiating a chargeback.

3. Termination of Access

Chargebacks or non-payment may lead to immediate suspension of access to all programs, products, or services.
Lifetime access to any purchased content will be void if the account is delinquent. Access may be reinstated upon full payment or resolution of the issue.
We reserve the right to discontinue or retire any online programs that are outdated, obsolete, or older than one year, as part of our commitment to providing relevant and high-quality content

4. Dispute Resolution

In the event of dissatisfaction, users are encouraged to contact the website owner directly to seek a resolution.
Issues unresolved amicably may be submitted for arbitration, as outlined in the Terms of Use, and arbitration will be the final step in resolving any disputes.
Any disputes or claims related to our services, products, or courses must be raised within six months of the event or issue that caused the dispute. This means that you have six months from the time the problem occurs to notify us and initiate a formal claim. After this six-month period, no claims, disputes, or requests for remedies will be accepted. This limitation applies to the fullest extent permitted by applicable law, which may provide additional time in certain jurisdictions where mandatory legal rights override this term.

TERMS OF USE OF PROGRAMS, PRODUCTS, SERVICES AND CONTENT

1. Use of Materials

Materials provided through programs or services are for individual use only.
Users may not copy, share, or redistribute materials without prior written consent.

2. Intellectual Property

All materials, including workbooks, videos, and PDFs, are protected by copyright and remain the property of the website owner.

Unauthorized use or distribution is strictly prohibited and may result in legal action.

3. Prohibited Use of Programs, Products, Services, or Program Materials

When you enroll in or purchase our Programs, Products, or Services, you agree that the following actions are strictly prohibited:

Unauthorized Use or Copying

You will not copy, share, or steal any part of our Programs, Products, Services, or Program Materials.
You will not use, adapt, or represent any of our materials as your own or imply ownership.
You MUST contact us to request permission BEFORE using our content, hello.noiavie@gmail.com.
We very clearly state that you may not use our Programs, Products, Services or Program Materials, in whole or in part, in any way that is contrary to these Terms of Use unless we have given you specific written permission to do so.
Distribution or Commercial Exploitation

Sharing, selling, or distributing materials for personal or commercial gain is strictly forbidden.
You are granted a limited, non-transferable licence for personal use only and may not use materials to create derivative works.
Violation of Intellectual Property Rights
Downloading, printing, or using our materials does not grant ownership of copyright or trademark rights. Republishing or compiling our materials into your own products, programs, or services is prohibited.
Improper or Unauthorised Use

Modifying, copying, uploading, posting, or distributing materials without prior written consent constitutes unauthorised use.
Any such use will be treated as theft and may lead to legal action.
Limitations on Linking and Framing
- You may link to our website as long as the link does not imply sponsorship, endorsement, or ownership by our website.
- Framing or inline linking of our content without written permission is strictly prohibited.
Legal Implications
- Prohibited use or unauthorised distribution may result in civil claims for damages or criminal charges.
- The website owner reserves the right to prosecute theft to the full extent of the law.

4. Assumption of Risk

Users acknowledge that participation in programs or services involves inherent risks.
The website owner is not liable for outcomes or any damages resulting from participation.

5. Data Protection and Privacy (GDPR/CCPA)

When you use our Programs, Products, or Services, we may collect personal data, including your name, contact details, country of residence, payment information, preferences, and other personally identifying information (“Confidential Information”). By providing this information, you consent to its collection, storage, and use in accordance with applicable data protection regulations, including GDPR and CCPA.
We are committed to safeguarding your Confidential Information and have implemented measures to protect your data both online and offline, including a secure data management system accessible only by authorized personnel. However, due to the inherent nature of the internet, we cannot guarantee complete security, and you submit your personal information at your own risk.
Your Confidential Information is used for purposes such as:
- Record keeping,
- Improving our Programs, Products, and Services,
- Sending promotions and updates (with an option to unsubscribe),
- Conducting research using anonymized data,
- Personalizing your experience,
- Providing support and communication related to your purchases.
We do not sell, distribute, or lease your Confidential Information without your explicit consent, except under the following circumstances:
- As required by law,
- When necessary to comply with legal processes,
- To protect rights, property, or safety,
- As explicitly permitted by you.

Your Rights Under GDPR and CCPA
- Access the personal data we hold about you,
- Request corrections or updates to inaccurate information,
- Request deletion of your data, where legally permissible,
- Restrict or object to the processing of your data,
- Withdraw consent for data processing at any time.
If the program includes a private Facebook Group, the same terms apply. However, since Facebook is a public platform, privacy cannot be guaranteed, and anything you share may be visible to other group members. Similarly, any information shared publicly through our website, programs, or social media may be seen, collected, and used by others. We are not responsible for unauthorised use of information you voluntarily share in these spaces. Use caution when sharing personal or sensitive information.

To exercise these rights, contact us at hello.noiavie@gmail.com. We will respond to your request within the timelines specified by applicable laws.

6. General Liability

The website owner is not responsible for any direct, indirect, incidental, or consequential damages arising from website use.

7. Technology Issues

The website owner is not liable for interruptions, delays, or errors due to server issues, software glitches, or other technical difficulties.

8. Third-Party Interactions

The website owner is not responsible for damages arising from interactions or transactions with third-party resources linked on the site. Examples of this are facebook groups, Instagram and other linked websites
Ina-Maresa Arnold (MiA) is, in no way, associated or in business with Facebook. This site is not sponsored by Facebook in any way. Facebook is a trademark of Meta Platforms, Inc.

9. Advertising Practices and Misleading Claims

We make every effort to ensure that advertising and promotional materials accurately represent our programs, products, and services. However, individual results may vary, and testimonials or examples are not guarantees of specific outcomes. Users are encouraged to seek independent advice before relying solely on our content. If you believe any claims are misleading or inaccurate, please contact us immediately.
Educational and Informational Purposes Only
All content provided through this website is intended solely for educational and informational purposes and should not be considered professional advice.
Not Medical, Mental Health, or Religious Advice
The website’s content is not a substitute for professional medical, psychological, or religious guidance. Always consult licensed professionals for health or spiritual concerns.
Not Legal or Financial Advice
Content on this website does not constitute legal or financial advice. Users are encouraged to consult professionals regarding personal legal and financial matters.
Personal Responsibility
By using this website, you acknowledge your personal responsibility for any decisions you make based on its content.
No Guarantees
Results depend on individual effort and circumstances. The website makes no guarantees regarding specific outcomes or results.
Earnings Disclaimer
Income examples provided are illustrative and do not guarantee future financial success.
Testimonials
Testimonials shared on the website are individual results and not indicative of guaranteed results for others.
Assumption of Risk
Users accept all risks associated with using the website’s content and hold the owner harmless for any damages incurred.
Limitation of Liability
The website and its owner are not responsible for any damages resulting from its use, including but not limited to lost profits, injuries, or legal claims.
Indemnification
Users agree to indemnify the website owner against any claims or damages arising from their use of the website.
No Warranties
The website and its content are provided “as-is” without warranties of any kind, either express or implied.
Errors and Omissions
The website owner is not liable for typographical errors or inaccuracies in content.
No Endorsements
References to third-party resources or links do not constitute endorsements.
Affiliates
The owner may promote third-party products or services and earn commissions. Users assume all risks associated with purchases made through affiliate links.

10. User Responsibility

Users agree to indemnify and hold the website owner harmless against claims, damages, or expenses arising from website use or program participation.
By using our Programs, Products, Services, and Materials, you take full responsibility for your actions and decisions. These resources are for educational purposes only, and no specific results are guaranteed. You assume all risks associated with using or not using the materials, and the website owner is not liable for any loss or damage. While we take precautions to protect the materials, security cannot be fully assured, and submitting information is done at your own risk.
You agree not to misuse our Programs, Products, Services, or Materials in a way that could damage or disrupt access to them. You are responsible for all communications and content sent from your computer. You must use our resources for lawful purposes only and are prohibited from:
- Engaging in fraudulent or illegal activities
- Sending harmful, offensive, or defamatory content
- Introducing viruses or harmful software
- Causing unnecessary annoyance or inconvenience
- Impersonating others or misleading about the origin of content
- Reproducing, copying, or reselling our materials in violation of the terms.

11. Passwords

You are responsible for maintaining the confidentiality of your username and password and for all activities under your account.
Sharing login credentials is prohibited and may result in termination of access.
We are not liable for any loss or damage caused by failure to protect your account.
Notify us immediately of unauthorised access or security breaches.
You agree to provide accurate information during registration, and accounts with false details may be deactivated.
Passwords will be kept private unless disclosure is required by law or necessary to protect rights or safety

12. Payments and Purchases

When purchasing through our website, you agree to the following terms regarding payments and transactions:

Authorization for Payments
By completing a purchase, you authorize us to charge your debit or credit card for the full amount of the selected product, service, or program. Payment receipts will be sent electronically to the email address provided during checkout.
Timely Payments and Access
- Failure to pay on time may result in the immediate suspension of access to purchased content, services, or programs.
- Any “lifetime access” rights to content are voided if your account becomes delinquent.
- In the event of withdrawal from a program or service, you remain responsible for paying the full cost, as refunds are not provided (see Refund Policy for further details).
Use of Personal and Payment Information
Personal and payment information collected during purchases may be shared with us and our third-party payment processor to complete transactions securely. By purchasing, you consent to the processing of this data in compliance with applicable laws. We are not liable for any breaches or issues related to third-party processors.
Chargebacks and Disputes
- We do not accept chargebacks or payment disputes as a means of resolving dissatisfaction with products, services, or programs.
- If a chargeback is initiated without prior communication, we reserve the right to:
  - Report the chargeback to credit agencies, which may negatively affect your credit score.
  - Terminate your access to all purchased content, programs, or services.
- To avoid these consequences, users are strongly encouraged to contact us within 14 day at hello.noiavie@gmail.com to resolve any issues before initiating a chargeback.
Affiliate Purchases and Third-Party Merchants
For purchases made through affiliate links or third-party merchants, the following terms apply:
- We are not liable for disputes, damages, or issues related to these transactions.
- Merchants and payment processors may operate under different privacy policies and terms, and you are solely responsible for understanding and accepting those terms.
- By purchasing through third-party links, you release us from any claims, liabilities, or disputes arising from those transactions.
Legitimate and Authorized Use
All purchases must be for lawful, legitimate, and non-commercial purposes. You are responsible for all transactions made on your behalf or with your consent.

13. Termination

You can terminate your participation in our Programs, Products, or Services at any time by emailing hello.noiavie@gmail.com. We also reserve the right to refuse or terminate your access at our discretion, with no notice. If termination occurs, you must settle any remaining payments within 24 hours.
Termination may include immediate refusal of access to all materials, communications, and services. Even after termination, all terms, including intellectual property rights, disclaimers, and refund policies, still apply.
We reserve the right to discontinue or retire any online programs that are outdated, obsolete, or older than one year, as part of our commitment to providing relevant and high-quality content

14. Scope

This clause outlines the potential consequences of misuse, improper sharing, or non-compliance with the terms of use for Programs, Products, or Services. Specifically, it means:
- Legal Fees: If your actions lead to a legal dispute, you may be held responsible for covering the costs of legal representation, court proceedings, or settlements associated with the dispute.
- Liabilities: You could be financially responsible for any damages or losses caused by your actions, such as unauthorised use, distribution, or reproduction of materials.
- Improper Sharing of Materials: Sharing materials (e.g., course content, videos, or documents) with unauthorised individuals or distributing them without permission could result in legal claims against

15. Disputes & Amicable Resolution

Users are encouraged to resolve disputes directly by contacting hello.noiavie@gmail.com
If unresolved, disputes will be handled through binding arbitration.

Arbitration will be conducted in accordance with the laws of the Grand Duchy of Luxembourg.
The only remedy available through arbitration is a refund of the payments made for the service or course. Our liability is strictly limited to the amount paid for the service or course, and no additional compensation will be provided for indirect losses, such as loss of earnings, business opportunities, or other consequential damages
Any disputes or claims related to our services, products, or courses must be raised within six months of the event or issue that caused the dispute. This means that you have six months from the time the problem occurs to notify us and initiate a formal claim. After this six-month period, no claims, disputes, or requests for remedies will be accepted. This limitation applies to the fullest extent permitted by applicable law, which may provide additional time in certain jurisdictions where mandatory legal rights override this term

16. Modification of Terms

The website owner reserves the right to modify these terms at any time. Users are responsible for reviewing updates regularly.

17. Severability

If any term is found to be invalid or unenforceable, the remaining terms shall remain in effect.

18. Cookies

We use cookies to enhance your browsing experience, analyze site traffic, and tailor content to your preferences. By continuing to use this website, you consent to our cookie usage. You can manage or disable cookies through your browser settings, though this may limit website functionality. For further information on how cookies are used and stored, please contact hello.noiavie@gmail.com.

19. Entire Agreement

These terms constitute the entire agreement between the user and the website owner
These terms are governed by the laws of the Grand Duchy of Luxembourg

20. Force Majeure

The website owner shall not be held liable for any delays, interruptions, or failure to perform resulting from unforeseen events beyond their reasonable control, including but not limited to acts of God, government restrictions, wars, natural disasters, pandemics, technical failures, or labor disputes. If such circumstances occur, services may be suspended or rescheduled without liability.

21. Non-Compete and Non-Solicitation

By accessing or using our programs, products, or services, you agree not to use any of the content, materials, or methodologies to create similar or competing programs, products, or services for a period of 12 months after purchase. Soliciting other users or participants in our programs for personal or commercial purposes without written permission is strictly prohibited. Violations will result in immediate termination of access and may lead to legal action.

22. Disclaimer for Audios and Videos provided by Ina-Maresa Arnold

While many of the products provided by Ina-Maresa Arnold (MiA) are powerful educational audio materials, programs and workshops contribute to wellness, they are not intended to replace medical diagnosis and treatment.
DO NOT listen to audio-guidance educational materials while driving or operating heavy equipment, or with other devices that may influence your state of consciousness.
If you have a tendency towards seizures, auditory disorders (see below), or adverse mental conditions(s), DO NOT use the audio-guidance educational materials without first consulting your physician.
In the unlikely event that you experience any unusual physical or mental discomfort, immediately discontinue use.
The Recordings are NOT meant to replace medical or psychological treatment or consultation. If you have a serious medical condition, please consult with your physician.
Potential clients under the age of 18 must provide written consent by a parent or legal guardian to use any services provided by this website.
Ina-Maresa Arnold (MiA) makes no expressed or implied guarantees of results, in so far as human behavior cannot be predicted. Results are ultimately achieved through the client’s own personal efforts at applying these techniques over time for which each client must accept full responsibility.
Any information provided by clients and customers of Ina-Maresa Arnold (MiA) is kept strictly confidential.
Ina-Maresa Arnold (MiA) will not be held liable for any misfortune that may occur.
By purchasing and making use of our products and services, you are agreeing to the above and are certifying that you are in good health and have consulted a doctor before beginning this program.

If you have further questions please contact us here hello.noiavie@gmail.com