Terms of Use

Cloverkey Publishing LLC

(Hereinafter referred to as the “Program”)

Last Updated on 3/12/24

You must read and agree to these Terms of Use for the Program carefully and in their entirety before purchasing and/or using the Program. The Program and its content are owned by Cloverkey Publishing LLC.

By purchasing and/or using the Program, you implicitly hereby agree to be legally bound by the following:


“Company”, “We”, “I”, “Our”, or “Us” means Cloverkey Publishing LLC, owned by Lindsey Duguet and Lauren Ziminsky.

“Participation”, “Participating”, “Using”, or “Use” means reading, purchasing, watching, listening to, implementing, trying or otherwise engaging in the Program. 

“Purchaser” means you, the person purchasing the Course, Group Coaching and/or Private Mentoring (hereinafter defined).

“Program” or “Course” means any course, template, training, coaching, or other digital product or education sold by Cloverkey Publishing LLC.

“You” or “Your” means the purchaser and/or person using the Program.


By purchasing and using the Program, you implicitly and voluntarily agree to act in accordance with, agree to, and abide by these Terms of Use. 


By participating in the Program, you understand that this Program is for informational and education purposes only. The information and education provided in this Program is not intended or implied to supplement or replace the professional advice of an attorney, accountant, and/or financial advisor. You should consult with a professional in those areas (financial, investment, legal, tax, etc.) in person where you live or work to discuss issues or questions pertaining to your particular legal, financial, or tax situation. 

Even if Program features licensed accountants, lawyers, or investment professionals, they are not forming a client relationship with you and will not give advice specific to your situation. We do not guarantee that the program covers all of your specific circumstances, issues, or state laws. 

Although we do our best to make sure all the Program’s content is up to date and/or accurate, we do not make any representation that all the information is accurate or free of errors at all times. We do not assume any responsibility for accuracy of the Program’s information, or its safety or efficacy as it applies to you.

Neither the Company nor any of its employees shall be held liable or responsible for any errors or omissions on this website or for any damage you may suffer as a result of failing to seek competent legal or professional advice from a licensed attorney or other professional who is familiar with your situation.


You should use your best judgment in using the information provided in the Program. Purchase the Program at your own risk after careful consideration of whether the Program is best for you and suits your needs. 

It is your responsibility to discern the risk of purchasing the Program and/or implementing its templates or content. By purchasing the Program, you’re assuming responsibility for your actions, choices, or lack thereof, related to the Program.

You further acknowledge that there is risk inherent in running a business, owning real estate, and making investment decisions. Your participation in the Program does not remove, reduce, or alter these inherent risks.


Any and all current or past-client testimonials, statements, or examples used by us are simply that: examples. They are not guarantees that you will also experience or receive the same results. Each person’s circumstances are unique and nothing shall be interpreted as a guarantee that you will experience the same results as another student of ours. 

We do not make any assurances as to any particular financial-based outcomes based on the use of or participation in the Program. We are not responsible for the success or failure of your business/investments, business/investment decisions, income, returns, or any other results of any kind that you may have as a result of your participation in the Program. 

You nevertheless recognize that your ultimate success or failure will be the result of your own efforts, your particular situation, and innumerable other circumstances beyond the control and/or knowledge of the Company.


We do not offer any representations, guarantees, or warranties, of any variety, regarding the Program in any way including, but not limited to, your future returns, income, potential, profitability, or losses derived as a result of your use of the Program. The Program is offered “AS IS” and without representation, guarantees, or warranties of any kind, including but not limited to implied warranties of merchantability and fitness for a particular purpose, neither expressed nor implied, to the extent permitted by law. We are not liable for damages of any kind related to your use of the Program. 


To the fullest extent permitted by law, Cloverkey Publishing LLC expressly disclaims liability for any direct, indirect, and/or consequential damages suffered by you related to your purchase or use of, or participation in, the Program, its materials, our website, or any other information obtained by you from us. By enrolling in the Program, you hereby agree to this limitation of liability and release Cloverkey Publishing LLC from any and all claims. 

By participating in and/or purchasing the Program, you agree to release, forgive, forever discharge, defend, indemnify and hold harmless Cloverkey Publishing LLC, our subsidiaries, employees, agents, contractors, subcontractors, shareholders, directors, officers, coaches, assignees, licensees, and affiliates from any and all claims, suits, actions, charges, demands, liabilities, damages, judgments, and/or costs, related to, or arising out of, your purchase or or participation in the Program and/or your breach of any obligation, warranty, covenant, or representation set for in this Disclaimer. 

By enrolling in the Program, you agree to release us from any and all claims, and further agree to at all time defend, indemnify, and hold harmless Cloverkey Publishing LLC as stated in this section herein. 


Cloverkey Publishing LLC is not responsible or liable in any way for any and all damages you receive directly or indirectly from your participation in the Program. We do not assume liability for damages, injuries, harm, death, misuse of (or failure to properly use) the Program, templates, and/or its content, due to any act or failure to act by you.  IN NO EVENT SHALL WE BE LIABLE TO YOU FOR ANY INDIRECT, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES. 


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 Company 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 [email protected] 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.


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

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

The Company will inform you when one of the links constitutes an affiliate link.

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 Company but will instead conduct your own investigation and will rely upon your investigation to decide whether to purchase the affiliate product or service.


From time to time, the Company will refer to other 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. The Company provides this information as a reference for you. It is your responsibility to conduct your own investigation and make your own determination about any such product, service, coach, consultant, and/or expert.


The provisions of this Disclaimer shall be deemed severable, and the invalidity or unenforceability of any provision shall not affect the validity and enforceability or any other provision hereof. If any Section, subsection, sentence, or clause of this Disclaimer shall be adjudged illegal, invalid, or unenforceable, such illegality, invalidity, or unenforceability shall have no effect on the Disclaimer as a whole or any Section, subsection, sentence, or clause hereof not expressly so adjudged. 

By purchasing and/or participating in the Program you implicitly signify your agreement to all of the terms in this Disclaimer. 


This Disclaimer contains the entire agreement between the Purchaser and Company. There are no other promises or conditions in any other agreement (oral or written) between the Purchaser and the Company. 


This Disclaimer shall be governed by the law of the State of Pennsylvania. Any action brought by any party arising out of or from this Disclaimer shall be brought within the State of Pennsylvania, County of Luzerne. 


You cannot copy, distribute, forward, share, and/or give access to the Program, the resources therein, or its content with anyone else. Companies will be issued a singular login. Any violation of this policy will be legally pursued to the fullest extent by law.

You are NOT permitted to share your login information or password with anyone else. If you share your login information, you will be immediately removed from the Program and no refund will be issued. You will be further denied any future access to the Program.  


Company’s Program includes online course and coaching, and the process takes time. Company can provide a refund of Complete Online Course Package within 7 days of purchase. Email [email protected] for questions.


The Purchaser shall not issue or threaten to issue a chargeback to the Company or to Your credit card company (or other form of payment such as Paypal). In the event of a chargeback, the Company reserves the right to report it to the credit bureaus as a delinquent account. If there is anything we can do to improve your experience with the Program, please email [email protected].


General Terms

When you pay for the Program by credit card, you authorize and give permission to the Company to charge your card for the amount owed for the Program. When you purchase the Program your payment and contact information may be collected by a third party merchant such as Stripe, Paypal, Afterpay or Kajabi, who may have privacy policies which differ from those of the Company. The Company is not responsible for the third-party merchant’s policies and/or practices.

Payment Plan & Failed Payment Procedure 

Should you join a Program using a payment plan at checkout, you are hereby consenting to your bank account or credit card being automatically charged 30-days apart until full payment has been received without additional authorization from you.  


If at any time your access to a Program is removed, it is your responsibility to notify the Company to regain access once your payment has been successfully completed. 

Price Adjustments

Purchaser is welcome to upgrade their account at any time. Please email [email protected] for assistance.


You hereby agree by use and/or purchase of the Program, the Program and its content, are intellectual property owned by Cloverkey Publishing LLC. Any violation of this term will be prosecuted to the fullest extent permissible under the law.

Any use of the Company’s intellectual property or derivative therefrom shall not be used in connection with the sale or distribution of any product, program, and/or service by You, directly or indirectly, without the prior written permission of the Company. 

Misappropriation or unauthorized use of the Company’s intellectual property may result in the enforcement of legal action against you in an effort to recover damages and/or protect the Company’s intellectual property rights. The Company reserves all rights at law and in equity to pursue legal claims against the Purchaser, Purchaser’s representatives, assignees, contractors, employees, partners, or other individuals involved in the misappropriation, theft, or other improper use of the Company’s intellectual property. 


The Purchaser agrees that the Company may lawfully use screenshots or re-shares of his/her posts, comments, or message to promise the Program in whatever manner the Company deems appropriate.