Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the following websites and domains (collectively, the “Website”):

• ginkgo-publishing.com
• ginkgo-publishing.net
• ginkgo-publishing.org
• beforeidoafteridont.com
• beforeidoafteridont.net
• beforeidoafteridont.org

The Website is owned and operated by Ginkgo Publishing LLC (“Company,” “we,” “our,” or “us”).

By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, you must discontinue use immediately

1. Eligibility

You must be at least 18 years old to use this Website.

By using the Website, you represent and warrant that:

• You are at least 18 years of age;
• You have the legal capacity to enter into a binding agreement;
• You will comply with all applicable laws and regulations.

2. Website Purpose

The Website provides:

• Educational content
• Self-help resources
• Blog articles
• Podcasts
• Community discussions
• Book-related materials
• Downloadable guides
• Speaking and media information

All content is provided for informational and educational purposes only.

3. No Legal, Financial, or Professional Advice

The content provided on the Website, including blog posts, forum discussions, downloadable materials, and podcasts, does not constitute legal, financial, therapeutic, or professional advice.

You acknowledge that:

• The Website does not provide legal counsel;
• The Website does not establish an attorney-client or therapist-client relationship;
• You are responsible for consulting qualified professionals for your specific situation.

Use of this Website is at your own discretion and risk

4. Intellectual Property

All content on the Website, including:

• Text
• Graphics
• Logos
• Downloads
• Worksheets
• Audio
• Video
• Course materials

is the intellectual property of Ginkgo Publishing LLC and is protected under applicable copyright and intellectual property laws.

You may:

• View content for personal use
• Download resources for personal, non-commercial use

You may not:

• Reproduce
• Distribute
• Modify
• Sell
• Republish
• Create derivative works

without prior written consent.

5. User Accounts & Community Access

If you create an account or join the Reader Community, you agree to:

• rovide accurate information
• Maintain the confidentiality of your login credentials
• Accept responsibility for all activity under your account

We reserve the right to suspend or terminate accounts at our sole discretion.

6. Discussion Forum Conduct

If you participate in the Discussion Forum or Community areas, you agree:

• Not to post defamatory, abusive, threatening, or unlawful content
• Not to solicit legal or financial advice
• Not to harass or attack other members
• Not to disclose confidential or sensitive information
• Not to post discriminatory or hateful speech

We reserve the right to:

• Remove content
• Suspend accounts
• Permanently revoke access

at our discretion.

7. Testimonials & Submissions

If you submit a success story, testimonial, or written content:

• You grant the Company a non-exclusive, royalty-free license to use, publish, and distribute your submission;
• You confirm that your submission does not violate any third-party rights;
• You acknowledge that identifying details may be modified for privacy.

We are not obligated to publish submissions.

8. Payments & Purchases

If the Website offers paid products, memberships, or digital downloads:

• All prices are listed in U.S. dollars unless otherwise stated;
• Payments are processed through third-party processors;
• You agree to provide accurate billing information;
• All sales are final unless otherwise specified in a separate Refund Policy

We reserve the right to modify pricing at any time.

9. Disclaimer of Warranties

The Website and its content are provided “as is” and “as available.

We make no warranties regarding:

• Accuracy
• Completeness
• Reliability
• Availability
• Fitness for a particular purpose

We do not guarantee specific outcomes from use of the Website or its materials.

10. Limitation of Liability

To the fullest extent permitted by law, Ginkgo Publishing LLC shall not be liable for:

• ndirect damages
• Incidental damages
• Consequential damages
• Emotional distress
• Loss of income
• Legal outcomes
• Custody outcomes
• Relationship outcomes

arising from use of the Website

Your sole remedy for dissatisfaction is to discontinue use.

11. Indemnification

You agree to indemnify and hold harmless Ginkgo Publishing LLC from any claims, damages, losses, or legal fees arising from:

• Your use of the Website;
• Your violation of these Terms;
• Your misuse of community features.

12. Third-Party Links

The Website may include links to third-party websites (e.g., retailers, podcast platforms).

We are not responsible for:

• Third-party content
• Third-party policies
• Third-party security practices

Accessing external links is at your own risk.

13. Termination

We reserve the right to:

• Suspend or terminate access
• Remove content
• Restrict usage

at any time without notice, for any violation of these Terms.

14. Governing Law

These Terms shall be governed by the laws of the Commonwealth of Virginia, without regard to conflict-oflaw principles.

Any disputes arising from these Terms shall be resolved in the appropriate courts located within Virginia.

15. Modifications

We reserve the right to modify these Terms at any time.
Updated Terms will be posted with a revised “Last Updated” date.
Continued use of the Website constitutes acceptance of revised Terms.