https://travelandledger.com

Last Modified: June 12, 2020

Please read these Terms of Use carefully before using the https://travelandledger.com website (“Website”) operated by Emily Horabik (“I”, “we”, “us”, or “our”).

• Acceptance of the Terms of Use

These terms of use are entered into by and between You and Emily Horabik. The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, these “Terms of Use”), govern your access to and use of the website https://travelandledger.com including any content, functionality, and services offered on or through such website (the “Website”). This includes the use of the Website, our blog, any newsletters, email notifications, and any related applications provided by us (collectively, the “Services”).  

Please read the Terms of Use carefully before you start to use the Website and/or any Services. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, found at (the “Privacy Policy”) incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy you must not access or use the Website.  

 This Website is offered and available to users who are 18 years of age or older. Individuals under the age of 18 can use this Website and/or Services only in conjunction with and under the supervision of a parent or legal guardian. In this case, the adult is the user and is responsible for any and all activities, subscriptions and purchases. By using this Website, you represent and warrant that you are of legal age to form a binding contract with us or you are using this Website with the involvement of your parents, and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

• Changes to the Terms of Use

 We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them and that our posting of such changes constitutes notice to you of such revised Terms of Use, and shall apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page each time you access this Website so you are aware of any changes, as they are binding on you.

• Accessing the Website

We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users. 

You are responsible for: 

• Making all arrangements necessary for you to have access to the Website. 
• Ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them. 

• Email And Other Electronic Communications

Visiting the Website and/or sending us emails constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email and on the Website, satisfy any legal requirement that such communications be in writing.

We would be pleased to communicate with you by email, and there are various places on this Website that provide you the ability to send an electronic communication to us. Any such email or other electronic communication, however, does not create a business relationship or any contractual relationship. As set forth more fully in our Privacy Policy, we will take reasonable steps to ensure that any communications remain confidential, but we cannot guarantee the security of such communications and cannot guarantee that we would not be required to disclose such communications as a result of a court order.

• Reliance on Information Posted and Changes to the Website

All views that are expressed on the Website represent only those made by Emily Horabik and not those of any other person or entity in their favor. Any view or opinion I may express does not intend to harm, slander, or defame any company, individual, or thing. I will not be held liable for libel, nor will I be held to compensate you in any way whatsoever if a loss/inconvenience/damage is suffered because of what I may display or state on the Website. Emily Horabik will not be responsible for what people might do in response to any advice, critique and/or wisdom expressed on the Website.

The information presented on or through the Website is made available solely for general information purposes. I do my best to provide up-to-date information, but I do not make representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the Website or the information, products, services, or related graphics contained on the Website for any purpose. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents. You are reading the information on this Website on your own free will and you will be provided with information through the Services at your own risk.  Under no circumstances will Emily Horabik be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with the use of the Website or Services. Any reliance you place on any information gleaned from this blog is strictly at your own risk so please make sure to research and verify the information that you read from my blog because there’s a possibility that some of it will be less accurate as time passes.

This Website may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Emily Horabik, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of Emily Horabik. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

We may update the content on this Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material. 

I cannot be held responsible for any offense taken due to translation, interpretation or mistakes in grammar and/or punctuation of my Website’s content. 

Comments on this Website are the sole responsibility of their writers and they will take full responsibility, liability, and blame for any libel or proceedings that will result from their statement. I do not guarantee the accuracy, honesty and politeness of their comments. Though of course, I reserve the rights to edit or delete any comments submitted to this Website without notice as they may deem to be spam or questionable spam, or that they include profanity, contain language or concepts that are offensive, attack a group or person individually, etc.

• Information About You and Your Visits to the Website 

All information we collect on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy. Other than personally identifiable information, which is subject to the Website’s Privacy Policy, any material, information, suggestions, ideas, concepts, know-how, techniques, questions, comments or other communication you transmit or post to the Website in any manner (“User Communications”) is and will be considered non-confidential and non-proprietary. We and our respective affiliates and our or their designees may use any or all User Communications for any purpose whatsoever, including, without limitation, reproduction, transmission, disclosure, publication, broadcast, development, manufacturing and/or marketing in any manner whatsoever for any or all commercial or non-commercial purposes. We may, but are not obligated to, monitor or review any User Communications. We will have no obligation to use, return, review, or respond to any User Communications. We will have no liability related to the content of any such User Communications, whether or not arising under the laws of copyright, libel, privacy, obscenity, or otherwise. We retain the right to remove any or all User Communications that includes any material we deem inappropriate or unacceptable.

• Links To Other Web Sites or Third Parties

Our Website may contain links to third-party web sites or services that are not owned or controlled by Emily Horabik.  These links are provided for your convenience only and includes links contained in advertisements, including banner advertisements and sponsored links.  We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third party web sites or services.  We do not endorse, sponsor, recommend or otherwise accept any responsibility for them or for any damage or loss caused or alleged to be caused by, or in connection with, use or reliance on any such content, goods or services available on or through any such web sites or services.  If you do decide to access any of the third party web sites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for those web sites.  We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Should the Website or Services be unintentionally linked to obscene, pornographic, disgusting, hostile or offensive content-filled web pages, I, in no way condone, endorse or take responsibility for such. Take note that I am NOT in control of these platforms so I will not be held liable for any material contained within them.

From time to time, the Website or Services may also refer to third party products, services, coaches, consultants, and/or experts. Any such reference is not intended as an endorsement or statement that the information provided by the other party is accurate. This information is provided as a reference for users. It is your responsibility to conduct your own investigation and make your own determination about any such product, service, coach, consultant, and/or expert.

• Intellectual Property Rights 

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, photographs, graphics, images, video, and audio content, computer code and the design, selection, and arrangement thereof), are owned by Emily Horabik, her licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. 

These Terms of Use permit you to use the Website for your personal, non-commercial use only. Unauthorized use and/or duplication of any content from the Website without express and written permission from Emily Horabik is strictly prohibited. Text excerpts and links may be used, provided that full and clear credit is given to the Website and Emily Horabik with appropriate and specific direction to the original content. Please contact me at the email address noted on the last page of these Terms of Use to request permission to use original photos found on this Website and associated social media platforms. A licensing fee applies for any commercial use. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will stop immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by Emily Horabik. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws. 

The name of Website, TRAVEL AND LEDGER, and all related names, logos, product and service names, designs, and slogans (collectively, the “Trademarks”) are exclusively owned by Emily Horabik or its affiliates or licensors. You must not use such Trademarks without the prior written permission of Emily Horabik. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners. 

To the best of my ability, I credit all the materials that are not from me—if and when I failed to properly credit you or any material, I sincerely apologize for that; such was not my intention. However, please do contact me at emily@travelandledger.com immediately about it so that I can make the adjustment as soon as possible.

• Copyright Infringement 

If you believe that anything posted on the Website violates your copyright, you may notify us either by email at emily@travelandledger.com. You will be requested to provide evidence of the ownership of your copyright and identification of the copyright work claimed to have been infringed as well as other information reasonably requested by the copyright agent.

• Use Of Templates And Forms

The Website provides various templates and/or forms (collectively, “Forms”) for download and/or sale. We grant you a limited, personal, non-exclusive, non-transferable license to use the Forms for your own personal or internal business use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Forms in any manner, except for modifications in filling out the Forms for your authorized use.

By ordering or downloading Forms, you agree that the Forms you purchase or download may only be used by you for your personal or business use and may not be sold or redistributed without the express written consent of Emily Horabik.

• Use Of Free Downloadable Content

The Website provides various resources, which users may access by providing an email address. We grant you a limited, personal, non-exclusive, non-transferable license to use these resources provided in exchange for an email address (the “Freemium Content”) for your own personal or internal business use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Freemium Content in any manner.

By downloading the Freemium Content, you agree that the Freemium Content you download may only be used by you for your personal or business use and may not be sold or redistributed without the express written consent of Emily Horabik.

By downloading the Freemium Content, you further agree that you shall not create any derivative work based upon the Freemium Content and you shall not offer any competing products or services based upon any information contained in the Freemium Content.

• Affiliate Links

From time to time, the Website may participate in affiliate marketing and may allow affiliate links to be included on some of its pages. This means that we may earn a commission if/when you click on or make purchases via affiliate links.

As a policy, we will only affiliate with products, services, coaches, consultants, and other experts that we believe will provide value to our customers and followers.

We will inform you when one of the links constitutes an affiliate link. As an Amazon Associate the Website may earn from qualifying purchases.

You recognize that it remains your personal responsibility to investigate whether any affiliate offers are right for your business and will benefit you. You will not rely on any recommendation, reference, or information provided by the Website but will instead conduct your own investigation and will rely upon your investigation to decide whether to purchase the affiliate product or service.

• Reviews

At various times, we may provide reviews of products, services, or other resources. This may include reviews of books, services, and/or software applications. Any such reviews will represent the good-faith opinions of the author of such review. The products and services reviewed may be provided to the Website for free or at a reduced price as an incentive to provide a review.

Regardless of any such discounts, we will provide honest reviews of these products and/or services. You recognize that you should conduct your own due diligence and should not rely solely upon any reviews provided on this Website.

We will disclose the existence of any discounts or incentives received in exchange for providing a review of a product. If you would like more information about any such discounts and incentives, send an email to emily@travelandledger.com that includes the title of the reviewed product as the subject line. We will respond via email and disclose any incentives or discounts we received in association with any such review.

• Prohibited Uses 

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website: 

• In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries). 
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise. 
• To send, knowingly receive, upload, download, use, or re-use any material that does not comply with these Terms of Use. 
• To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter”, “spam”, or any other similar solicitation. 
• To impersonate or attempt to impersonate Emily Horabik, another user, or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing).
• To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm the Website, users of the Website or expose them to liability. 

Additionally, you agree not to: 

• Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website. 
• Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website. 
• Use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without our prior written consent. 
• Use any device, software, or routine that interferes with the proper working of the Website. 
• Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful. 
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website. 
• Attack the Website via a denial-of-service attack or a distributed denial-of-service attack. 
• Otherwise attempt to interfere with the proper working of the Website. 

• Monitoring and Enforcement; Termination

We have the right to: 

• Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy. 
• Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website. 
• Terminate or suspend your access to all or part of the Website for any or no reason, including without limitation, any violation of these Terms of Use. 

All provisions of the Terms of Use, which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website. YOU WAIVE AND HOLD HARMLESS EMILY HORABIK AND HER AFFILIATES, LICENSEES AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY EMILY HORABIK/ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER THE EMILY HORABIK/SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES. 

However, we do not undertake to review all material before it is posted on the Website, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

• Content Standards 

These content standards apply the use of interactive services such as message boards, chat rooms, forums, bulletin boards and other interactive features (collectively, the “Interactive Services”). To the extent you use the Interactive Services, you must comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, you must not:

• Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable. 
• Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age. 
• Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person. 
• Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Use and our Privacy Policy. 
• Be likely to deceive any person. 
• Promote any illegal activity, or advocate, promote, or assist any unlawful act. 
• Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person. 
• Impersonate any person, or misrepresent your identity or affiliation with any person or organization. 
• Involve commercial activities or sales, such as contests, sweepstakes and other sales promotions, barter, or advertising. 
• Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case. 

We have no obligation to monitor the Interactive Services. However, we reserve the right to review materials posted to an Interactive Service and to remove any materials in our sole discretion. We reserve the right to terminate your access to any or all of the Interactive Services at any time without notice for any reason whatsoever.

Always use caution when giving out any personally identifying information about yourself in any Interactive Service. We do not control or endorse the content, messages or information found in any Interactive Service and, therefore, we specifically disclaim any liability with regard to the Interactive Services and any actions resulting from your participation in any Interactive Service. 

Materials uploaded to an Interactive Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you upload the materials.

• Governing Law and Jurisdiction

These Terms of Use shall be governed and interpreted pursuant to the laws of the State of Ohio, United States of America, notwithstanding any principles of conflicts of law. 

All disputes arising out of or relating to these Terms of Use, the Privacy Policy, the Website, the Services or any other document or legal notice or agreement found on the Website shall be finally resolved by arbitration conducted in the English language in Lake County, Ohio, U.S.A. under the commercial arbitration rules of the American Arbitration Association. All decisions of the arbitrator shall be final and binding on both parties and enforceable in any court of competent jurisdiction. Under no circumstances shall the arbitrator be authorized to award punitive damages, including but not limited to federal or state statutes permitting multiple or punitive damage awards. Any purported award of punitive or multiple damages shall be beyond the arbitrator’s authority, void, and unenforceable. BY AGREEING TO THESE TERMS AND CONDITIONS OF USE, YOU ARE WAIVING YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO HAVE A COURT HEAR CLAIMS ARISING IN CONNECTION WITH THESE TERMS AND CONDITIONS OF USE, AMONG OTHER WAIVERS OF RIGHTS SET FORTH HEREIN. Notwithstanding the foregoing, we shall be entitled to seek Equitable Relief in a court of law as set forth in these Terms of Use. ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED BY YOU WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED. To the fullest extent permissible by law, you further agree that you shall be responsible for all costs associated with initiating the arbitration and for the administration of the arbitration.

• Disclaimer of Warranties 

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT. YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER EMILY HORABIK NOR ANY PERSON ASSOCIATED WITH HER MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER EMILY HORABIK NOR ANYONE ASSOCIATED WITH HER REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. 

TO THE FULLEST EXTENT PROVIDED BY LAW, EMILY HORABIK HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE. 

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. 

• Limitation on Liability 

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL EMILY HORABIK, HER AFFILIATES, OR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. 

THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEBSITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.

• Indemnification 

You agree to defend, indemnify, and hold harmless Emily Horabik, her affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, your use of any use of the Website’s content, Services, and products other than as expressly authorized in these Terms of Use or your use of any information obtained from the Website. 

• Waiver and Severability 

No waiver of by Emily Horabik of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Emily Horabik to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision. 

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect. 

• Privacy Policy 

We respect your privacy, and are committed to reasonable measures to safeguard any personal information you may share with us. We have provided an explanation in detail on how we fulfill this commitment and urge you to read our Privacy Policy. 

• Entire Agreement 

The Terms of Use and the Privacy Policy, constitute the sole and entire agreement between you and Emily Horabik regarding the Website and Services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website and Services. 

• No Partnership 

You agree that no joint venture, partnership, employment or agency relationship exists between you and Emily Horabik as a result of these Terms of Use or your access to and use of the Website and Services. 

• International Users

The Website is controlled, operated and administered by Emily Horabik from within the United States.  If you access the Website from a location outside the United States, you are responsible for compliance with all local laws. You agree that you will not use the content accessed through the Website in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

• Contact Us

This Website is operated by Emily Horabik.  All feedback, comments, questions, requests for technical support, and other communications relating to the Website should be directed to: emily@travelandledger.com.