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Terms of Website Use

Terms of Use

Effective Date: May 14, 2023

Please read these Terms of Use carefully before using this website.
By visiting or using this site in any way — browsing, purchasing, registering, or participating in any program — you agree to these Terms. If you do not agree, please do not use this site.

1. Who we are

This website is operated by Liveloula Inc., a U.S.-based company providing consulting, coaching, and educational services.
Contact us: ronni@liveloulainc.com

2. What these Terms cover

These Terms govern your use of this site, including any services, materials, workshops, programs, or digital products offered here.
Other documents that also apply:

Privacy Policy – explains how we collect and use your information.
Cookie Policy – explains how cookies are used.
Refund and Cancellation Policy – applies to paid sessions, programs, or downloads.
All can be found in the Legal section of this site.

3. No professional advice

Content on this site and in any programs, videos, or workshops is for informational and educational purposes only.
It is not legal, financial, medical, or therapeutic advice.
You should consult qualified professionals before making personal, financial, or business decisions.

4. Coaching and consulting disclaimer

Coaching and consulting services aim to offer strategies, guidance, and resources.
While we share best practices and experience, results vary based on each client’s actions, implementation, and circumstances.
No guarantees are made that following advice or using materials will produce a specific outcome or financial result.

5. Access and availability

We strive to keep this site available at all times but may update, pause, or remove content without notice.
We’re not responsible for temporary interruptions, delays, or data loss related to site use.

6. Accounts and passwords

If you create an account, keep your login credentials private.
You’re responsible for any activity under your account.
If you suspect unauthorized access, notify us immediately at ronni@liveloulainc.com.

7. Intellectual property

All text, designs, logos, graphics, and other materials are owned by or licensed to Liveloula Inc. unless stated otherwise.
You may download or print brief excerpts for personal, non-commercial use only.
You may not copy, republish, resell, or use our materials for commercial purposes without written permission.

8. User content

If you post or upload material (for example, a comment or testimonial), you grant us a non-exclusive, royalty-free license to use, display, and share that content for promotional or educational purposes.
Do not upload anything unlawful, defamatory, or that violates another person’s rights.

9. Payments and refunds

Purchases made through this site (including workshops, sessions, or downloads) must follow our Refund and Cancellation Policy.
All fees are quoted in U.S. dollars unless otherwise stated.
You agree to provide accurate billing information and to pay all charges incurred through your account.

10. Limitation of liability

To the fullest extent allowed by law:

Liveloula Inc. and its team are not liable for any indirect, incidental, special, or consequential damages arising from your use of this site or any services provided through it.
Our total liability, if any, is limited to the amount you paid to us for the specific service in question.
We do not guarantee that the site will be error-free, secure, or available at all times.

Nothing in these Terms limits liability for death, personal injury, or fraud caused by our negligence.

11. Indemnification

You agree to indemnify and hold harmless Liveloula Inc., its officers, employees, and partners from any claims or expenses (including attorneys’ fees) arising from your use of this site, violation of these Terms, or infringement of any rights of another person.

12. Minors

Our services are intended for adults.
If you are under 18, you may only use this site with permission from a parent or guardian.
We do not knowingly collect personal data from children under 13.

13. Links to other sites

Links to external websites are provided for convenience only.
We have no control over third-party sites and accept no responsibility for their content or practices.

14. Termination

We may suspend or terminate your access to the site at any time, without notice, if we believe you have violated these Terms or applicable law.

15. Changes to these Terms

We may update these Terms from time to time.
The date above shows when they were last revised.
Your continued use of the site after any changes means you accept the new version.

16. Governing law

These Terms and any related disputes are governed by the laws of the State of [Your State], United States of America.
You agree to submit to the jurisdiction of the state and federal courts located in [Your County/State].

17. Entire agreement

These Terms, along with the other policies referenced here, represent the entire agreement between you and Liveloula Inc. regarding your use of this site and its services.

Thank you for visiting our site and for being part of this work.

These policies are intended to be clear and understandable summaries of our practices. They do not replace legal advice. If you have specific concerns, please consult a qualified professional.

Privacy Policy

🛡️ Privacy Policy

Effective Date: May 14, 2023

1. Who we are

This website is operated by Liveloula Inc., providing consulting, coaching, and digital education services.
Contact us at ronni@liveloulainc.com

2. Information we collect

We collect information in three ways:

Information you provide directly — when you sign up for emails, register for workshops, fill out a form, or make a purchase.
Automatic data — such as cookies, analytics, and usage logs to understand how visitors use the site.
Payment information — processed securely by third-party providers like Stripe or PayPal. We do not store credit-card numbers on our servers.

3. How we use your information

We use your data to:

Provide and personalize services you request.
Respond to inquiries and deliver resources.
Process transactions and send confirmations.
Send updates or marketing emails (if you’ve opted in).
Improve our website and offerings.

We do not sell, rent, or trade your information.

4. Sharing information

We only share your information with:

Trusted service providers (website hosting, email delivery, payment processors).
Legal authorities if required by law.
Partners or affiliates who help deliver our programs (with confidentiality agreements in place).

5. Cookies and tracking

Cookies are small files stored on your device to make the site work better.
You can set your browser to refuse cookies, but some features may not function properly. See our Cookie Policy for details.

6. Email communications

You can unsubscribe from our emails at any time by clicking “unsubscribe” at the bottom of any message or by contacting us directly.

7. Data security

We use secure servers and industry-standard measures to protect your data from unauthorized access or disclosure. However, no online system is 100% secure.

8. Your rights

Depending on where you live, you may have the right to:

Access the personal data we hold about you.
Request correction or deletion of that data.
Withdraw consent for marketing emails.

To exercise these rights, email ronni@liveloulainc.com.

9. Children’s privacy

We do not knowingly collect information from children under 13. If you believe we have inadvertently collected data from a child, contact us to delete it.

10. Changes to this policy

We may update this Privacy Policy from time to time. The latest version will always be posted here with a new effective date.

11. Contact

For questions about this policy or your data, email ronni@liveloulainc.com.

These policies are intended to be clear and understandable summaries of our practices. They do not replace legal advice. If you have specific concerns, please consult a qualified professional.

Cookie Policy

Effective Date: May 14, 2023

1. Information about our use of cookies

This website uses cookies to distinguish you from other visitors. Cookies help us improve your browsing experience and understand how our site is being used. By continuing to browse, you consent to our use of cookies as described here.

A cookie is a small file containing letters and numbers that is stored on your device. Cookies contain information transferred to your browser or hard drive and are used to make the website function efficiently.

2. Types of cookies we use

Strictly necessary cookies
These cookies are essential for the operation of our website. They allow you to log in to secure areas, use shopping carts, or make payments. Without these cookies, our site cannot function properly.

Analytical or performance cookies
These cookies help us understand how visitors use the site by counting visits and seeing how users navigate our pages. This information helps us improve site functionality and content.

Functionality cookies
These cookies recognize you when you return to our website. They allow us to personalize content, remember your preferences (such as language or region), and provide a more tailored experience.

Targeting or advertising cookies
These cookies record your visit, the pages you viewed, and the links you followed. We may use this data to make advertising or future content more relevant to your interests. We may also share this data with trusted third parties for this purpose.

3. Third-party cookies

Some cookies on our site come from third parties — for example, analytics or advertising networks like Google Analytics or social media platforms. We do not control these cookies and recommend checking the respective privacy policies of those providers for more details.

4. Managing your cookies

You can control cookies through your browser settings:

Allow or block all cookies,
Delete existing cookies, or
Set your browser to notify you when a website tries to place a cookie.

If you choose to block all cookies (including essential ones), some parts of our site may not function properly.

5. Cookie duration

Except for essential cookies, all cookies expire within 30 days or sooner depending on your browser settings.

6. Updates to this policy

We may update this Cookie Policy occasionally to reflect changes in technology or law. The updated version will be posted here with a new effective date.

7. Contact us

If you have any questions about our use of cookies, contact us at:
Liveloula Inc.
ronni@liveloulainc.com

These policies are intended to be clear and understandable summaries of our practices. They do not replace legal advice. If you have specific concerns, please consult a qualified professional.

Accessibility Information

The owners of this website care that their website is accessible to all and welcomes visitors of all races, religions and abilities.

This page is to give you information on what aids this website offers for people with a disability. It also explains how the WC3 Accessibility Guidelines I.O and 2.O have been implemented on this site.

Using this website

For those screen reader and non-mouse users, please use the ‘jump’ menus provided to skip straight to the content, navigation and/or site map
Please use the text variations provided;
- ‘Standard text’ will provide a 12px equivalent version on most browsers and hide accessibility elements
- ‘Large text’ will provide a 24px equivalent version on most browsers and hide accessibility elements
- ‘Easy Read’ will provide a low simple contrast version, using standard text size on a pale yellow background to aid legibility which is often helpful for users with dyslexia
- ‘No Style’ will strip off all our styles and provide a plain text, linear version
- To resize the text without our help:
  - In Internet Explorer: View > Text size > Largest
  - In Firefox: View > Text size > Increase
  - In Opera: File > Preferences > Fonts > Minimum font size (pixels)
  - Alternatively, scroll with the wheel of your mouse whilst holding down the control key.
  - To use the keyboard instead of the mouse;
    - Use the Tab key to move and browse amongst the menus and links.
    - Pressing ‘Enter’ is the same as clicking a mouse
    - Use the arrow keys on your keyboard to move up or down the page or from left to right.
All images contain an ALT tag unless decorative, where they are marked as empty.
Links make sense out of context. Wherever possible, title tags have also been used to expand on their meaning.
Drop down menu bars are sometimes used. Please select a category and click (or press ‘Enter’) on the option you wish to view. If your system does not support drop-down menus, please use the site map link for quick and easy browsing
Most of our sites have ‘breadcrumbs’ on the top of each page which allow you to retrace your steps and go back to where you started. However, older sites may not have this facility so you may need to use the ‘Back’ button on your browser. Back buttons are usually on the top left hand corner of your browser. By simply clicking on this button you can retrace your steps through the pages you have already viewed on our website. Some keyboards also have a Back Button as part of their options.

General Accessibility.

This website conforms to the WCAG 2.0 four principles of accessibility and so is: perceivable, operable, understandable and robust
The original designers, Access by Design, have considered the full range of techniques, including the advisory techniques, as well as to seeking relevant advice about current best practice to ensure that this web content is accessible, as far as possible, to all communities.
This website has been thoroughly tested on multiple browsers, platforms and devices
This website has been tested using multiple automated accessibility testing software
This website has been tested by a REAL person with a disability who tested the website and submitted a report to the original designers who then used it to improve accessibility further.

Web Standards

All CSS and XHTML created by this website validate to the document type.
Validation does not equal accessibility.
If a page on this website does not validate it is almost always because a third-party ‘plug-in’ has needed to be employed.
Although we try to use only accessible third-parties and we alert designers to accessibility issues, rectifying them is beyond our control
We reserve the right to use the web standards CSS and XHML buttons on this website as all elements within our control validate correctly.

Please Note: although this website was designed and built by a company specialising in accessible websites, it is run by us. We are not experts on web accessibility ourselves and sometimes mistakes can happen. If you find an accessibility error, please alert us as soon as possible, using the contact email address on this website, telling us the nature of the problem so that we can fix it.

Further Help

You may wish to download “Browsealoud”. This is a FREE speech reader that enables you to listen rather than read our website. Browsealoud may be helpful to people with dyslexia, those who find reading difficult, those who have a mild visual impairment or those who just like to do more than one thing at a time!

Please follow this link to download Browsealoud onto your computer or select the image above.

WC3 WAI Web Content Accessibility Guidelines 1.0 and W.A.G 2.0

To be considered to be Priority 1 (A) standard a website should meet all of the following points.

This website provides a text equivalent for every non-text element (e.g., via “alt”, “longdesc”, or in element content). This includes: images, graphical representations of text (including symbols), image map regions, animations (e.g., animated GIFs), applets and programmatic objects, ascii art, frames, scripts, images used as list bullets, spacers, graphical buttons, sounds (played with or without user interaction), stand-alone audio files, audio tracks of video, and video. (1.0)
This website provides text alternatives for any non-text content so that it can be changed into other forms people need, such as large print, braille, speech, symbols or simpler language.
This website ensures that all information conveyed with colour is also available without colour, for example from context or markup. (1.0)
This website clearly identifies changes in the natural language of a document’s text and any text equivalents (e.g., captions). (1.0)
This website may be read without style sheets; when an HTML document is rendered without associated style sheets, it is still be possible to read the document. (1.0)
This website ensures that equivalents for dynamic content are updated when the dynamic content changes. (1.0)
This website avoids causing the screen to flicker. (1.0)
This website uses the clearest and simplest language appropriate for its content.
This website does not use image maps(1.0)
This website does not use tables(1.0)
This website does not use frames(1.0)
This websitedoes not use multimedia(1.0)
- This website has 1 area that is sadly, still inaccessible to some users. (1.0)
  - After our best efforts, we have not been able to create an accessible page for the Social Networking buttons. Please see the bottom of this page for alternatives.
  - Pages on this website are still usable when scripts, applets, or other programmatic objects are turned off or not supported. If this is not possible, this website provides equivalent information on an alternative accessible page. (1.0)
  - Programmatic elements such as scripts are directly accessible and compatible with assistive technologies (1.0)

This website passes Priority 1 (A) Accessibility.

Priority 2 checkpoints

To be considered to be Priority 2 (AA) standard, a website should meet all of the following points;

This website ensures that the foreground and background colour combinations in images provide sufficient contrast when viewed by someone having colour deficits or when viewed on a black and white screen. (1.0)
When an appropriate markup language exists, this website uses usesmarkup rather than images to convey information. (1.0)
This website documents validate to published formal grammars. (1.0)
This website uses style sheets to control layout and presentation. (1.0)
This website uses relative rather than absolute units in markup language attribute values and style sheet property values. (1.0)
This website uses header elements to convey document structure and uses them according to specification. (1.0)
This website marks up lists and list items properly. (1.0)
This website marks up quotations and does not use quotation markup for formatting effects such as indentation. (1.0)
This website ensures that dynamic content is accessible (or provides an alternative presentation or page only when no other option is possible). (1.0)
Until user agents allow users to control blinking, this website avoids causing content to blink (i.e., change presentation at a regular rate, such as turning on and off). (1.0)
Until user agents provide the ability to stop the refresh, this website does not use periodically auto-refreshing pages. (1.0)
Until user agents provide the ability to stop auto-redirect, this website does not use markup to redirect pages automatically. (If redirects are needed they are configures via the server) (1.0)
Until user agents allow users to turn off spawned windows, this website does not cause pop-ups or other windows to appear and does not change the current window without informing the user. (1.0)

Please note: this website uses ‘highslide’, a JavaScript technique to give the appearance of a pop-up window to preview links or content. However, highslide is NOT a pop-up, the JavaScript can be disabled (and the link will still work) and is for graphic purposes only.

The website uses W3C technologies when they are available and appropriate for a task and uses the latest versions when supported. (1.0)
This website avoids deprecated features of W3C technologies. (1.0)
This website divides large blocks of information into more manageable groups where natural and appropriate. (1.0)
This website does not identify the target of each link because it is written in XHTML 1.0 Strict
This website provides metadata to add semantic information to pages and sites. (1.0)
This website provides information about the general layout of a site (e.g., a site map). (1.0)
This website uses navigation mechanisms in a consistent manner. (1.0)
Tables are not used for layout. (1.0)
Until user agents support explicit associations between labels and form controls, all form controls are combined with implicitly associated labels and the label is properly positioned. (1.0)
Form labels are explicitly associated with their controls. (1.0)
Event handlers used in scripts are input device-independent. (1.0)
Until user agents allow users to freeze moving content, this website avoids movement in pages. If movement is present it can be instantly and easily stopped or blocked. (1.0)
Programmatic elements such as scripts are directly accessible and compatible with assistive technologies (1.0)
Any element that has its own interface can be operated in a device-independent manner. (1.0)
When using scripts, this website specifies logical event handlers rather than device-dependent event handlers. (1.0)

This website passes Priority 2 (AA) Accessibility.

Priority 3 checkpoints

This website ensures that the foreground and background colour combinations in text provide sufficient contrast when viewed by someone having colour deficits or when viewed on a black and white screen. (1.0)
This website specifies the expansion of each abbreviation or acronym in a document where it first occurs. (1.0)
This website identifies the primary natural language of a document. (1.0)
This website provides keyboard shortcuts (such as jump menus) to important links (including those in client-side image maps), form controls, and groups of form controls. (1.0)
Until user agents (including assistive technologies) render adjacent links distinctly, this website includes non-link, printable characters (surrounded by spaces) between adjacent links. (1.0)
This website provides information so that users may receive documents according to their preferences (e.g., language, content type, etc.) (1.0)
This website provides navigation bars to highlight and give access to the navigation mechanism
This website groups related links, identifies the group (for user agents), and, until user agents do so, provides a way to bypass the group. (1.0)
This site enables different types of searches for different skill levels and preferences. These might include a search box, site maps and content ‘tagging’(1.0)
This website places distinguishing information at the beginning of headings, paragraphs, lists, etc. (1.0)
This website does not use ASCII ART
This website supplements text with graphic or auditory presentations where they will facilitate comprehension of the page. (1.0)
This website uses a style of presentation that is consistent across pages. (1.0)
This website now refers to the new WC WCAG 2.0 guidelines and does NOT include default, place-holding characters in edit boxes and text areas in forms as user agents ARE now able to handle empty controls correctly. (1.0)

This website passes Priority 3 (AAA) Accessibility.

Accessibility Problems?

This website may have the following minor access problems/issues. These are explained here and alternatives given.

This site does not use meta access keys (sometimes called ‘hot keys’). Our research suggest that these are actually detrimental to most keyboard-users as they already have their own keys set up which are then overwritten or confused by websites (who do not use a consistent approach). We will review this decision periodically and if research proves otherwise (or technology improves) we will resume these techniques.
This site may fail validation on third-party technologies. This is because we have little or no ability to recode these to meet our high accessibly standards. However, we always aim to use plug-ins that are either accessible, increase the accessibility or have simple accessible alternatives. If forced to choose between accessibility features and validation, we have taken the difficult decision to always choose accessibility.