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Thank you for visiting lifetalkwithjosephine.com.  This Web site is owned exclusively by Josephine Murphy (Life Talk With Josephine). Life Talk With Josephine and its affiliates provide their services to you subject to the following conditions. If you visit Life Talk With Josephine’s Web site, you accept these conditions.

PRIVACY
Please review our Privacy Policy, which also governs your visit to Life Talk With Josephine’s Web site, to understand our practices.

ELECTRONIC COMMUNICATIONS
When you visit Life Talk With Josephine’s Web site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

DESCRIPTION OF SERVICE
Life Talk With Josephine provides users with access to a rich collection of resources, including its Support Group Forum which may be accessed through any various medium or device now known or hereafter developed (the “Service”). Unless explicitly stated otherwise, any new features that augment or enhance the current Service, including the release of new Life Talk With Josephine properties, shall be subject to these Terms and Conditions of Use (“Terms”).

REGISTRATION OBLIGATIONS
In consideration of your use of the Service, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of Canada or other applicable jurisdiction, or if you are under the legal age to form a binding contract that you are accessing the Service with the express permission and supervision of a parent or legal guardian. You also agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the Service’s registration form (the “Registration Data”) and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or Life Talk With Josephine has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Life Talk With Josephine has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof).

Please remember that the Service is designed to appeal to a broad audience however use of this site and membership to is restricted to individuals over 18 years of age. Life Talk With Josephine has the right to suspend or terminate any user deemed to be under age 18.

SUBSCRIBERS, PASSWORD AND SECURITY
You will select a screen name and password upon completing the subscription registration process. You are responsible for maintaining the confidentiality of the password and account and are fully responsible for all activities that occur under your password or account. You agree to immediately notify Life Talk With Josephine of any unauthorized use of your password or account or any other breach of security.

MEMBER CONDUCT
You understand that all information, data, text, photographs, graphics, messages, tags, or other materials (“Content”), publicly posted to Life Talk With Josephine’s Web site is the sole responsibility of the person from whom such Content originated. This means that you, and not Life Talk With Josephine, are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available via the Service. Life Talk With Josephine does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Service, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will Life Talk With Josephine be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available via the Service.

You agree to not use the Service to:

* upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;

* harm minors in any way;

* impersonate any person or entity, including, but not limited to, a Life Talk With Josephine official, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity;

* forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service;

* upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights (“Rights”) of any party;

* upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation.

* upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;

* interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;

* provide material support or resources (or to conceal or disguise the nature, location, source, or ownership of material support or resources) to any organization(s) designated by the Canadian government as a foreign terrorist organization pursuant to The Immigration and Refugee Protection Act, (IRPA);

* “stalk” or otherwise harass another; and/or

* collect or store personal data about other users in connection with the prohibited conduct and activities set forth in the paragraphs above.

You acknowledge that Life Talk With Josephine may or may not pre-screen Content, but that Life Talk With Josephine and its designees shall have the right (but not the obligation) in their sole discretion to pre-screen, refuse, or move any Content that is available via the Service. Without limiting the foregoing, Life Talk With Josephine shall have the right to remove any Content that violates the Terms or is otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not rely on any Content created by Life Talk With Josephine or submitted to Life Talk With Josephine, including without limitation information in the Support Group community and in all other parts of the Service.

You acknowledge, consent and agree that Life Talk With Josephine may access, preserve and disclose your account information and Content if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the Terms; (c) respond to claims that any Content violates the rights of third parties; (d) respond to your requests for customer service; or (e) protect the rights, property or personal safety of Life Talk With Josephine, its users and the public.

SPECIAL ADMONITIONS FOR INTERNATIONAL USE
Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from Canada or the country in which you reside.

CONTENT SUBMITTED OR MADE AVAILABLE FOR INCLUSION ON THE SERVICE
Life Talk With Josephine does not claim ownership of Content you submit or make available for inclusion on the Service. However, with respect to Content you submit or make available for inclusion on publicly accessible areas of the Service, you grant Life Talk With Josephine the following worldwide, royalty-free and non-exclusive license(s), as applicable:

* With respect to Content you submit or make available for inclusion on publicly accessible areas of Life Talk With Josephine Groups, the license to use, distribute, reproduce, modify, adapt, publicly perform and publicly display such Content on the Service solely for the purposes of providing and promoting the specific Life Talk With Josephine group to which such Content was submitted or made available. This license exists only for as long as you elect to continue to include such Content on the Service and will terminate at the time you remove or Life Talk With Josephine removes such Content from the Service.

* With respect to photos and graphics you submit or make available for inclusion on publicly accessible areas of the Service, the license to use, distribute, reproduce, modify, adapt, publicly perform and publicly display such Content on the Service solely for the purpose for which such Content was submitted or made available. This license exists only for as long as you elect to continue to include such Content on the Service and will terminate at the time you remove or Life Talk With Josephine removes such Content from the Service.

* With respect to Content other than photos or graphics you submit or make available for inclusion on publicly accessible areas of the Service other than Life Talk With Josephine Groups, the perpetual, irrevocable and fully sublicensable license to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform and publicly display such Content (in whole or in part) and to incorporate such Content into other works in any format or medium now known or later developed.

INDEMNITY
You agree to indemnify and hold Life Talk With Josephine and its subsidiaries, affiliates, officers, agents, employees, partners and licensors harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of Content you submit, post, transmit or otherwise make available through the Service, your use of the Service, your connection to the Service, your violation of the Terms, or your violation of any rights of another.

GENERAL PRACTICES REGARDING USE AND STORAGE
You acknowledge that Life Talk With Josephine reserves the right to log off accounts that are inactive for an extended period of time. You further acknowledge that Life Talk With Josephine reserves the right to modify these general practices and limits from time to time.  Life Talk With Josephine reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that Life Talk With Josephine shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.  You agree not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of the Service, use of the Service, or access to the Service.

TERMINATION
You agree that Life Talk With Josephine may, under certain circumstances and without prior notice, immediately terminate your Life Talk With Josephine account and access to the Service. Cause for such termination shall include, but not be limited to, (a) breaches or violations of the Terms or other incorporated agreements or guidelines, (b) requests by law enforcement or other government agencies, (c) a request by you (self-initiated account deletions), (d) discontinuance or material modification to the Service (or any part thereof), (e) unexpected technical or security issues or problems, (f) extended periods of inactivity, and/or (g) engagement by you in fraudulent or illegal activities.

LINKS
The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. Because Life Talk With Josephine has no control over such sites and resources, you acknowledge and agree that Life Talk With Josephine is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Life Talk With Josephine shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource.

COPYRIGHT
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Life Talk With Josephine or its content suppliers and protected by Canadian and international copyright laws. The compilation of all content on this site is the exclusive property of Life Talk With Josephine and protected by Canadian and international copyright laws. All software used on this site is the property of Life Talk With Josephine or its software suppliers and protected by Canadian and international copyright laws.

TRADEMARKS
Life Talk With Josephine and other marks indicated on this site are trademarks of Life Talk With Josephine in Canada and other countries.  Other Life Talk With Josephine graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of Life Talk With Josephine or its subsidiaries. Life Talk With Josephine trademarks and trade dress may not be used in connection with any product or service that is not Life Talk With Josephine’s, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Life Talk With Josephine. All other trademarks not owned by Life Talk With Josephine that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Life Talk With Josephine or its subsidiaries.

LICENSE AND SITE ACCESS
Life Talk With Josephine grants you a limited license to access and make personal use of its Web sites and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Life Talk With Josephine. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Life Talk With Josephine. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Life Talk With Josephine without express written consent. You may not use any meta tags or any other “hidden text” utilizing Life Talk With Josephine name or trademarks without the express written consent of Life Talk With Josephine. Any unauthorized use terminates the permission or license granted by Life Talk With Josephine. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Life Talk With Josephine so long as the link does not portray Life Talk With Josephine, its affiliates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Life Talk With Josephine or other proprietary graphic or trademark as part of the link without express written permission.

COPYRIGHT COMPLAINTS
Life Talk With Josephine and its affiliates respect the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact us at [email protected].

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY

THIS SITE IS PROVIDED BY Life Talk With Josephine ON AN “AS IS” AND “AS AVAILABLE” BASIS. Life Talk With Josephine MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, Life Talk With Josephine DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Life Talk With Josephine DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM Life Talk With Josephine ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. Life Talk With Josephine WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

CERTAIN PROVINCIAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

APPLICABLE LAW
By visiting Life Talk With Josephine, you agree that the laws of the province of Ontario without regard to principles of conflict of laws, will govern these Terms and Conditions of Use and any dispute of any sort that might arise between you and Life Talk With Josephine or its affiliates.

DISPUTES
Any dispute relating in any way to your visit to Life Talk With Josephine shall be submitted to confidential arbitration in Toronto, Ontario, except that, to the extent you have in any manner violated or threatened to violate Life Talk With Josephine’s intellectual property rights, Life Talk With Josephine may seek injunctive or other appropriate relief in any provincial or federal court in the province of Ontario, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the Canadian Arbitration Association. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.

SITE POLICIES, MODIFICATION, AND SEVERABILITY
We reserve the right to make changes to our site, policies, and these Terms and Conditions of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

CONTACT INFORMATION:
Life Talk With Josephine
[email protected]

 

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