Disclaimer

This website is owned and operated by Susan J. Schmitt Winchester & Associates, LLC and her affiliated brands, (collectively "Susan J. Schmitt", "Susan J. Schmitt Winchester", "we" or "us").

This Disclaimer, along with the Terms & Conditions and Privacy Policy, governs your access to and use of this and other websites (including applications and other online services that are accessible through various desktop, tablet and mobile web browsers from time to time) (collectively "Sites"), whether as a guest or a registered user.

Please read the Disclaimer carefully before you start to use the Sites. By using the Sites or by clicking to accept or agree to the Terms & Conditions when this option is made available to you, you accept and agree to be bound and abide by the Disclaimer. If you do not want to agree to the Privacy Policy, you must not access or use the Sites. 

​For Educational And Informational Purposes Only

The information contained on the Sites and the resources available for download through the Sites are for educational and informational purposes only. ​

Not Legal Advice

The information contained on the Sites and the resources available for download through the Sites are not intended as, and shall not be understood or construed as, legal advice. For legal advice, you should consult your attorney. Neither Susan J. Schmitt nor any of its attorneys 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 advice from a licensed attorney who is familiar with your situation.

Not Financial Advice

The information contained on the Sites and the resources available for download through the Sites are not intended as, and shall not be understood or construed as, financial advice. Susan J. Schmitt expressly recommends that you seek advice from a financial professional. Neither Susan J. Schmitt nor any of its employees or owners shall be held liable or responsible for any errors or omissions on the Sites or for any damage you may suffer as a result of failing to seek competent financial advice from a professional who is familiar with your situation.

Not Tax Advice

The information contained on the Sites and the resources available for download through the Sites are not intended as, and shall not be understood or construed as, tax advice. Susan J. Schmitt expressly recommends that you seek advice from a professional. Neither Susan J. Schmitt nor any of its employees or owners 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 tax advice from a professional who is familiar with your situation.

Not Medical, Mental Health or Health Advice

The information contained on the Sites, Susan's keynotes, workshops and courses and the resources available for download through the Sites are not intended as, and shall not be understood or construed as, medical, mental health or health advice. The information contained on the Sites is not a substitute for medical or health advice from a professional who is aware of the facts and circumstances of your individual situation.

Susan is a career and workplace expert and highly experienced HR executive.

We have done our best to ensure that the information provided on the Sites, in keynotes, leaders' workshops and the resources available for download are accurate and provide valuable information. Regardless of anything to the contrary, nothing available on or through the Sites should be understood as a recommendation that you should not consult with a medical, mental health or health professional to address your particular information. Susan J. Schmitt Winchester expressly recommends that you seek advice from a professional. Neither Susan J. Schmitt Winchester &

Associates, LLC, nor any of its employees or owners 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 medical or health advice from a professional who is familiar with your situation.

Regarding Healing at Work materials, neither Susan J. Schmitt nor Martha Finney are mental health or healthcare professionals. The material you will read in Susan's book: Healing at Work: A Guide to Using Career Conflicts to Overcome Your Past and Build the Future You Deserve, with co-author Martha I. Finney is based on how our personal experiences as adult survivors of damaged pasts (ASDPs) intersect with our professional career lives, as well as research into published materials by other experts. The material offered in these pages are for information and inspiration purposes only. Neither the authors, the publisher, nor the publisher’s associates, shall be liable for any loss or damage allegedly arising from the material you will read in my book: The same is true for my courses, leaders' workshops and keynotes.

Your physician and/or mental health counselor should be consulted for direct intervention for physical and mental health care concerns.

No Professional-Client Relationship

​Your use of the Sites – including implementation of any suggestions set out in the Sites and/or use of any resources available on the Sites – does not create a professional-client relationship between you and Susan J. Schmitt Winchester & Associates, LLC or any of its professionals. Susan J. Schmitt Winchester & Associates, LLC cannot accept you as a client unless and until we determine that there is a fit and until various requirements, such as fee arrangements, are resolved. Thus, you recognize and agree that we have not created any professional-client relationship by the use of the Sites.

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User’s Personal Responsibility 

By using the Sites, you accept personal responsibility for the results of your actions. You agree to take full responsibility for any harm or damage you suffer as a result of the use, or non-use, of the information available on the Sites or the resources available for download from the Sites. You agree to use judgment and conduct due diligence before taking any action or implementing any plan or policy suggested or recommended on the Sites.

No Guarantees​

​You agree that Susan J. Schmitt Winchester & Associates, LLC and Susan J. Schmitt Winchester have not made any guarantees about the results of taking any action, whether recommended on the Sites or not. Susan J. Schmitt Winchester provides educational and informational resources and consulting that are intended to help users of the Sites succeed in business, life, and/or health and/or otherwise. 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 Susan J. Schmitt Winchester.

You also recognize that prior results do not guarantee a similar outcome. Thus, the results obtained by others – whether clients or customers of Susan J. Schmitt Winchester or otherwise – applying the principles set out in the Sites are no guarantee that you or any other person or entity will be able to obtain similar results.

Errors And Omissions​

This World Wide Web Site is a public resource of general information that is intended, but not promised or guaranteed, to be correct, complete, and up-to-date. We have taken reasonable steps to ensure that the information contained in the Sites is accurate, but we cannot represent that the Sites are free of errors. You accept that the information contained on the Sites may be erroneous and agree to conduct due diligence to verify any information obtained from the Sites and/or resources available on it prior to taking any action. You expressly agree not to rely upon any information contained in this website.

​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 Susan J. Schmitt Winchester 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. 

Affiliate Links

From time to time, Susan J. Schmitt Winchester & Associates, LLC participate 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, Susan J. Schmitt Winchester will only affiliate with products, services, coaches, consultants, and other experts that we believe will provide value to our customers and followers. 

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

No Endorsements

From time to time, Susan J. Schmitt Winchester 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. Susan J. Schmitt Winchesterprovides this information 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.

Testimonials

​At various places on the Sites, you may find testimonials from clients and customers of the products and services offered on the Sites or by Susan J. Schmitt. The testimonials are actual statements made by clients and/or customers and have been truthfully conveyed on the Sites. 

Although these testimonials are truthful statements about results obtained by these clients and/or customers, the results obtained by these clients and/or customers are not necessarily typical. You specifically recognize and agree that the testimonials are not a guarantee of results that you or anyone else will obtain by using any products or services offered on the Sites or by Susan J. Schmitt.

Earnings Disclaimer

From time to time, Susan J. Schmitt Winchester may report on the success of one of its existing or prior clients/customers. The information about this success is accurately portrayed by the customer. You acknowledge that the prior success of others does not guarantee your success.

As with any business, your results may vary and will be based on your individual capacity, business experience, expertise, and level of desire. There are no guarantees concerning the level of success you may experience. There is no guarantee that you will make any income at all and you accept the risk that the earnings and income statements differ by individual. Each individual’s success depends on his or her background, dedication, desire and motivation.

The use of our information, products and services should be based on your own due diligence and you agree that Susan J. Schmitt Winchester is not liable for any success or failure of your business that is directly or indirectly related to the purchase and use of our information, products, and services reviewed or advertised on the Sites.

No Warranties

SUSAN J. SCHMITT WINCHESTER MAKES NO WARRANTIES REGARDING THE PERFORMANCE OR OPERATION OF THE SITES. SUSAN J. SCHMITT WINCHESTER FURTHER MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE INFORMATION, CONTENTS, MATERIALS, DOCUMENTS, KEYNOTES, LEADERS' WORKSHOPS, PROGRAMS, PRODUCTS, BOOKS, OR SERVICES INCLUDED ON OR THROUGH THE SITES. TO THE FULLEST EXTENT PERMISSIBLE UNDER THE LAW, SUSAN J. SCHMITT WINCHESTER DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

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Limitation of Liability

YOU AGREE TO ABSOLVE SUSAN J. SCHMITT WINCHESTER OF ANY AND ALL LIABILITY OR LOSS THAT YOU OR ANY PERSON OR ENTITY ASSOCIATED WITH YOU MAY SUFFER OR INCUR AS A RESULT OF USE OF THE INFORMATION CONTAINED ON THE SITES AND/OR THE RESOURCES YOU MAY DOWNLOAD FROM THE SITES.  YOU AGREE THAT SUSAN J. SCHMITT WINCHESTER SHALL NOT BE LIABLE TO YOU FOR ANY TYPE OF DAMAGES, INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EQUITABLE, OR CONSEQUENTIAL LOSS OR DAMAGES FOR USE OF THE SITES.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. SUSAN J. SCHMITT WINCHESTER AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE WEBSITE AT ANY TIME.

SUSAN J. SCHMITT WINCHESTER AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE WEBSITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. SUSAN J. SCHMITT WINCHESTER AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SUSAN J. SCHMITT WINCHESTER AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WEBSITE, WITH THE DELAY OR INABILITY TO USE THE WEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF SUSAN J. SCHMITT WINCHESTER OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. 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.

Contact Us

Susan J. Schmitt Winchester welcomes your questions or comments regarding the Disclaimer:

Susan J. Schmitt Winchester & Associates, LLC

288 Summit Ave, Ste 107-133

Oconomowoc, WI 53066

Email Address: susan@susanwinchester.com

Initial Effective as of March 1, 2019, updated November 16, 2024