Terms of Use

These Terms of Use ("Terms") govern your access to and use of the website [www.speakingofmelissa.com] (referred to as the "Website"), operated by Melissa Dlugolecki. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use the Website.

1. Acceptance of Terms

By using the Website, you confirm that you are at least 18 years of age, or have the consent of a parent or legal guardian. You agree to comply with these Terms and all applicable laws, regulations, and posted policies while using the Website.

2. Intellectual Property

All content available on the Website — including but not limited to text, images, logos, graphics, videos, downloads, and software — is the property of Melissa Dlugolecki or its licensors and is protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, republish, or exploit any content without prior written permission from Melissa Dlugolecki.

3. User Conduct

When using the Website, you agree not to:

a. Provide false, misleading, or incomplete information
b. Use the Website for any unlawful, fraudulent, or abusive purpose
c. Upload or distribute harmful, threatening, or objectionable content
d. Infringe on the rights, privacy, or data of others
e. Attempt to damage, disrupt, or gain unauthorized access to the Website or its systems
f. Violate any applicable local, national, or international laws or regulations

4. Third-Party Links

The Website may contain links to third-party websites that are not owned or controlled by Melissa Dlugolecki.
We are not responsible for the content, accuracy, or practices of any linked websites. Your use of third-party sites is at your own risk.

5. Disclaimer of Warranties

The Website is provided "as is" and "as available," without warranties of any kind, either express or implied.
Melissa Dlugolecki does not guarantee that the Website will be uninterrupted, secure, or error-free.
Use of any information obtained through the Website is done at your own discretion and risk.

6. Limitation of Liability

To the fullest extent permitted by law, Melissa Dlugolecki shall not be liable for any indirect, incidental, consequential, or punitive damages resulting from your access to or use of the Website — including but not limited to data loss, system failure, or service interruption.

7. Indemnification

You agree to indemnify, defend, and hold harmless Melissa Dlugolecki and its affiliates, employees, contractors, and agents from any claims, damages, or liabilities resulting from your violation of these Terms or misuse of the Website.

8. Modifications and Termination

Melissa Dlugolecki reserves the right to modify, suspend, or discontinue the Website (or any part of it) at any time without notice.
We may also update these Terms at our discretion. Continued use of the Website after such updates constitutes your acceptance of the revised Terms.

9. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of Hopkinton, Massachusetts, USA. Any disputes arising from these Terms or your use of the Website shall be resolved in the courts of Hopkinton, Massachusetts, USA.

10. Entire Agreement

These Terms of Use represent the entire agreement between you and Melissa Dlugolecki concerning your use of the Website and supersede any prior communications or agreements.

If any part of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full effect.

Privacy Policy

Effective Date: July 9, 2025
Last Updated: July 9, 2025

This Privacy Policy describes how Melissa Dlugolecki (“we,” “our,” or “us”) collects, uses, and protects your personal information when you visit and use [www.speakingofmelissa.com] (“Website”).

By accessing or using this Website, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use the Website.

1. Information We Collect

We may collect the following types of information:

a. Personal Information

When you voluntarily submit information through forms, subscriptions, purchases, or contact pages, we may collect:

● Name

● Email address

● Phone number

● Billing or shipping address (if applicable)

● Payment information (processed through secure third-party providers)

b. Non-Personal Information

We may collect data automatically through cookies or analytics tools, including:

● IP address

● Browser type

● Pages visited

● Time spent on the Website

● Device type

2. How We Use Your Information

We use the information we collect for the following purposes:

● To respond to inquiries or provide customer support

● To send newsletters, updates, or promotional materials (if you opt in)

● To process payments or transactions

● To improve Website functionality and user experience

● To comply with legal or regulatory obligations

3. Sharing Your Information

We do not sell, rent, or trade your personal information to third parties. However, we may share your data with:

Trusted third-party service providers (e.g., email platforms, payment processors)

Law enforcement or regulatory authorities if required by law

Website analytics tools (e.g., Google Analytics) for performance tracking

These third parties are obligated to keep your information secure and only use it for agreed purposes.

4. Cookies & Tracking Technologies

Our Website may use cookies and similar technologies to enhance your experience. Cookies are small files stored on your device that help us understand how users interact with the Website.
You can choose to disable cookies in your browser settings, though this may limit some functionality.

5. Data Security

We take reasonable measures to protect your personal data from unauthorized access, misuse, or disclosure. However, please understand that no method of transmission over the Internet or electronic storage is 100% secure.

6. Your Rights

You have the right to:

● Access the personal information we hold about you

● Request corrections or updates to your data

● Opt out of marketing communications at any time

● Request deletion of your personal information, where legally permissible

To make any of these requests, please contact us at: admin@melissadlugolecki.com

7. Third-Party Links

This Website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review their privacy policies before providing any personal information.

8. Children’s Privacy

This Website is not intended for use by children under the age of 13. We do not knowingly collect or store information from children. If we learn we have collected personal information from a child without parental consent, we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with the updated effective date. Continued use of the Website after changes are posted constitutes your acceptance of the revised policy.

10. Contact Us

If you have questions or concerns about this Privacy Policy or how your data is handled, please contact us at:
📧 admin@melissadlugolecki.com

Website Disclaimer

Effective Date: July 9, 2025

The information provided on www.speakingofmelissa.com (the “Website”) is for general informational purposes only. All content on this Website is provided in good faith, but Melissa Dlugolecki makes no representations or warranties of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information.

1. No Professional Advice

The content on this Website does not constitute professional advice of any kind — including but not limited to legal, financial, medical, or other specialist advice. Always seek the guidance of a qualified professional for your specific needs or situation.
Use of any information provided on this Website is solely at your own risk.

2. External Links Disclaimer

The Website may contain links to third-party websites or content belonging to or originating from third parties. These links are provided for convenience only.
Melissa Dlugolecki does not investigate, monitor, or check for accuracy, reliability, or completeness of third-party content and is not responsible for any third-party websites linked through this site.

3. Personal Responsibility

By using this Website, you acknowledge that you are doing so voluntarily and that any choices, actions, or results from the use of this Website are solely your responsibility. Melissa Dlugolecki is not liable for any loss or damage resulting from reliance on the information provided.

4. Testimonials Disclaimer

The Website may contain testimonials by users of our products or services. These testimonials reflect real-life experiences and opinions, but they are individual results and may not necessarily be typical or guaranteed.
We do not claim, and you should not assume, that all users will have the same experiences.

5. Limitation of Liability

To the fullest extent permitted by law, Melissa Dlugolecki disclaims any liability for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of the Website.

6. Changes to This Disclaimer

We reserve the right to modify this Disclaimer at any time, without prior notice. It is your responsibility to review it periodically. Continued use of the Website constitutes acceptance of any modifications.

7. Contact

If you have any questions about this Disclaimer, please contact us at:
📧 admin@melissadlugolecki.com