Welcome to my website! I am so glad you stopped by. By visiting and using this website, you consent and agree to be bound by the following terms and conditions (including our Privacy Policy, and any other additional terms or conditions which may apply and be modified from time to time without advance warning).

Please note that this website is owned by Monica Rubombora and throughout this document, will be referred to as “Company,” “me,” “my,” “we,” “our” or “us”. You, the visitor/user, will be referred to as “you” or “your”.

Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Use. Use of this Site before or after any modifications to the Terms of Use constitutes consent to the modifications.

OUR RIGHTS.
This Site, and all the materials available on the Site, belong solely to me, my affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws. You may use this Site only for your personal non-commercial use, and you cannot use this Site in any way that will constitute infringement of any of our rights. Unless expressly granted, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means), any material from this Site.

YOUR RIGHTS.
When you post or submit any material (including, without limitation, comments, blog entries, photos and videos) to us through this Site, you represent and warranty that: (i) you are either the owner or have permission from the owner, to post or make a submission, (ii) you are eighteen years of age or older. In connection with your posts, you may submit hypertext links to the Site, but you hereby agree that the link must not state or imply any sponsorship of your site by us or by our Site.

LIMITATION OF LIABILITY.
WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, OUR SITE. THIS INCLUDES MATERIALS, PRODUCTS, OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THE SITE. YOU ALSO ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH THE SITE, ANY MATERIALS, PRODUCTS, OR SERVICES ON THE SITE, OR WITH ANY OF THE SITE’S TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE AND THE PRODUCTS, SERVICES AND/OR MATERIALS.  UNDER NO CIRCUMSTANCES SHALL OUR LIABILITY TO YOU EXCEED $200.00. THIS SITE IS CONTINUALLY UNDER DEVELOPMENT AND COMPANY MAKES NO WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, AS TO ITS ACCURACY, COMPLETENESS OR APPROPRIATENESS FOR ANY PURPOSE. WE ARE ALSO NOT LIABLE FOR ANY LOSS OF REVENUE, PROFIT, FAILURE OF PERFORMANCE, ERRORS & OMISSIONS, COMPUTER VIRUS, LOSS OF BUSINESS, SAVINGS, GOODWILL OR DATA, OR FOR ANY THIRD-PARTY THEFT, DESTRUCTION, ALTERATION, OR ACCESS TO YOUR INFORMATION OR PROPERTY. THIS SECTION WILL APPLY EVEN IF WE HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR EVEN IF WE COULD HAVE FORESEEN SUCH DAMAGE.

OTHER LEGAL STUFF.

1. Indemnification: You shall defend, indemnify and hold us, and our affiliates, officers, attorneys, representatives, directors, shareholders, successors,       assigns, independent contractors, agents and employees, free, clear and harmless from and against any and all losses, liabilities, costs, expenses, claims, causes of action, penalties, judgments, settlements, suits, and damages, including reasonable attorney’s fees, costs, and other expenses, resulting from or arising out of, any act, omission or negligence of us, in any way connected with or arising out of the use of this Site.
2. Governing Law: This Agreement shall be governed by and construed in accordance with the laws of the State of Arizona, regardless of any conflict of laws principles.
3. Conflict Resolution: In the event of a dispute or conflict regarding your use of our Site, you/we will first resort to good-faith negotiations among ourselves within twenty (20) days. After twenty (20) days, if negotiations prove unsuccessful, you/we hereby agree to binding arbitration, which may be enforced in any court of proper authority/jurisdiction. The arbitration shall occur within ninety (90) days from the date of the initial arbitration demand and shall take place in Bedfordview, Gauteng, South Africa. The Parties shall cooperate to expedite the process. In any event, the prevailing party shall receive no more than $200. In other words, you/we hereby agree to “cap” damages at the sum of $200.
4. Entire Terms of Use; Headings: This Terms of Use constitutes the entire agreement between you and us with respect to your use of our Site, and supersedes all prior oral or written agreements, understandings and representations to the extent that they relate in any way to us. The headings of sections in this Terms of Use are provided for convenience only and shall not affect its construction or interpretation.
5. Disclaimer: You acknowledge that nothing contained in this Site is a substitute for counseling, therapy or any kind of advice – financial, legal or otherwise. You also acknowledges that we are not your accountant, agent, attorney, financial planner, therapist, publicist, or any other type of licensed or registered professional, unless otherwise stated.