TERMS & CONDITIONS
Terms & Conditions of Use
Last Updated: December 2025
These Terms & Conditions (“Terms”) govern your use of the websites, programs, services, and content offered by Barb E. Brown, including Insight & Healing, Everyday Spirit Quest, 13 Holy Nights, Meditation of the Month Club, and any related websites, digital offerings, memberships, courses, audio or video content (collectively, the “Site” or “Services”).
By accessing or using this Site, or by purchasing or participating in any offerings, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. Use of the Site
You agree to use this Site and its content for lawful purposes only and in a manner consistent with all applicable laws and regulations. You may not use the Site in any way that could damage, disable, overburden, or impair it.
2. Educational and Informational Purpose
All content provided on this Site, including articles, videos, meditations, programs, and written materials, is offered for educational and informational purposes only.
The content is not a substitute for professional medical, psychological, legal, or financial advice. You are responsible for your own decisions, actions, and results.
3. Coaching, Spiritual Guidance, and Wellness Content
Any coaching, spiritual guidance, meditation, or wellness-related content offered through this Site is intended to support personal growth, reflection, and awareness. It does not constitute therapy, medical treatment, or diagnosis unless explicitly stated in a separate written agreement.
Results are not guaranteed, and individual outcomes will vary.
4. Access and Availability
This Site and its content are provided on an “as is” and “as available” basis. We make no guarantees regarding uninterrupted access, error-free operation, or the accuracy or completeness of content.
We reserve the right to modify, suspend, or discontinue any part of the Site or Services at any time without notice.
5. Termination
We reserve the right to terminate or restrict your access to the Site or Services at our discretion, without notice, if we believe you have violated these Terms or engaged in conduct that is harmful or unlawful.
You may stop using the Site at any time.
6. Intellectual Property
All content on this Site — including text, graphics, images, audio, video, meditations, programs, and materials — is the intellectual property of Barb E. Brown, unless otherwise stated.
You may download or access materials for your personal, non-commercial use only. You may not copy, reproduce, distribute, modify, sell, or create derivative works without prior written permission.
No ownership rights are transferred to you through use of this Site.
7. Third-Party Links and Services
This Site may contain links to third-party websites or services for convenience or informational purposes. We are not responsible for the content, policies, or practices of third-party sites and do not endorse them.
Your interactions with third parties are governed by their own terms and policies.
8. Limitation of Liability
To the fullest extent permitted by law, Barb E. Brown and any affiliated providers shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of the Site or Services.
You agree that your use of the Site is at your own risk.
9. Indemnification
You agree to indemnify and hold harmless Barb E. Brown from any claims, damages, losses, liabilities, or expenses arising out of your use of the Site, violation of these Terms, or infringement of any rights of another.
10. Governing Law
These Terms are governed by the laws of the State of Colorado, without regard to conflict of law principles.
11. Dispute Resolution
If a dispute arises under these Terms, we agree to first attempt resolution through good-faith mediation in Jefferson County, Colorado.
If mediation is unsuccessful, the dispute shall be resolved through binding arbitration in Jefferson County, Colorado, under the rules of the American Arbitration Association. Judgment on the arbitration award may be entered in any court of competent jurisdiction.
12. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
13. Entire Agreement
These Terms constitute the entire agreement between you and Barb E. Brown regarding use of this Site and supersede any prior agreements or understandings.
14. Contact Information
If you have questions about these Terms, please contact:
Barb E. Brown
Email: barb@insightandhealing.com