WE UPDATED OUR TERMS & CONDITIONS ON SEPTEMBER 9, 2021
ACCEPTANCE OF TERMS
By accessing, downloading, installing, or using the Natural Essential Oil Life whether or not you become a registered user (“User”, “You”, “Yourself”, “Your”), You agree to be bound by these Terms, which You acknowledge that You have read and understood.
We reserve the right, at Our sole discretion, to change, modify or otherwise alter these Terms at any time. You must review these Terms at https://naturaleolife.com/legal/ on a regular basis to keep yourself informed of any changes.
Hours of Operation
Natural Essential Oil Life corporate office is open Monday – Friday 9a.m. -– 4p.m. EDT
We close for all government observed holidays
This policies and procedures applies to all Natural Essential Oil Life products sold on this site or any other site owned by Natural Essential Oil Life that includes a link to this page.
https://www.naturaleolife.com
2. Billing Address
Billing address must be the same as the shipping address. Due to credit card procedures, we cannot ship to a different address than we bill to.
3. Subscriptions and Digital Products
Your Natural Essential Oil Life membership will continue month-to-month unless and until you cancel your membership or we terminate it. You must have Internet access and provide us with a current, valid, accepted method of payment to use the Natural Essential Oil Life service. We will bill the monthly membership fee to the payment method used when signing up unless updated or changed by subscriber. You must cancel your membership before it renews each month/year in order to avoid billing of the next month’s or year’s membership fees to your Payment Method.
Terms of Subscription Renewal
We will continue to bill your Payment Method on a monthly basis for your membership fee until you cancel. To cancel your subscription submit a ticket at support (at)
naturaleolife.com .
Monthly Natural Essential Oil Life Subscriptions automatically renew each month at the stated retail price until the subscription buyer notifies the company that they wish to cancel. Please refer to Returns & Subscription Cancellations section of the Terms of Service page.
Yearly Natural Essential Oil Life Subscribers will be notified via email prior to renewal with the option to renew at the original yearly price. If the subscriber does NOT notify the company that they wish to continue at the yearly price, the subscribers account will revert to the monthly price automatically.
Natural Essential Oil Life Certifications and Courses
We do not provide refunds on our products.
Lab Member Discount Policy
From time to time, on some Natural Essential Oil Life products, we will offer our members the opportunity to purchase additional products and services at a discount rate. To be eligible for this discount, the customer must be a member in good standing at the time of purchase. No rebates or partial refunds will be offered if a customer purchases a training, and then joined the membership, because these discount are intended to be a benefit for active members, and not an enticement for new members.
Live Events
The events, information, and speakers listed on our Sites are subject to change without notification.
You have THIRTY (30) Days prior to the event to request a full refund of your ticket price or seat deposit. Any request after the THIRTY (30) DAY time limit will not be processed. Any unused tickets will be forfeited and are not transferable to another event.
TICKET HOLDERS MAY NOT SELL, OFFER FOR SALE, OFFER AT AUCTIONS, RESELL, DONATE, ACT AS COMMERCIAL AGENT FOR ANOTHER PARTY OR OTHERWISE TRANSFER THEIR TICKETS IN ANY WAY WITHOUT THE SPECIFIC PRIOR WRITTEN CONSENT OF Natural Essential Oil Life.
7.1 Ticket Transfers
Ticket transfers will not be processed THIRTY (30) Days prior to the event.
A $50 transfer fee will be applied to all ticket transfers.
7.2 Process for Guest Tickets Transfers
Once a Ticket purchase is confirmed, the Ticket Purchaser may only change the assignment of the Guests accompanying him a maximum of 2 times and using the Tickets that he purchased by:
Submitting a Guest Ticket Transfer Request: the Ticket Purchaser must submit a transfer request to support(at) naturaleolife.com .
7.3 Ticket Resales
If a Ticket Purchaser cannot use all of the Tickets that he has purchased, the Ticket Purchaser will have the opportunity to submit to Natural Essential Oil Life a formal request for the resale of the Tickets he no longer wants via the Natural Essential Oil Life support team, so that the support team can try to resell the Tickets to another attendee. Unlike the Guest Transfer policy, the Ticket Purchaser will not have to provide a reason for the Ticket Resale request.
There is no guarantee that demand for Tickets will result in the Tickets being resold. If the Ticket Purchaser’s Tickets are not resold, no resale proceeds will be returned to the Ticket Purchaser.
Live Streams
Refunds will only be provided in situations where the customer is unable to watch the Livestream due to technical issues.
Refunds will only be considered and processed on the first day of each respective event.
LIMITATION ON LIABILITY.
THE Natural Essential Oil Life STREAM AND ALL CONTENT AND SOFTWARE ASSOCIATED THEREWITH, OR ANY OTHER FEATURES OR FUNCTIONALITIES ASSOCIATED WITH THE Natural Essential Oil Life LIVE STREAM, ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. Natural Essential Oil Life DOES NOT GUARANTEE, REPRESENT, OR WARRANT THAT YOUR USE OF THE Natural Essential Oil Life LIVE STREAM WILL BE UNINTERRUPTED OR ERROR-FREE.
Natural Essential Oil Life is not responsible for any problems or technical malfunction of any network or lines, computer online systems, servers, or providers, computer equipment, software, failure of any e-mail or redemption to be received by Natural Essential Oil Life on account of technical problems or traffic congestion online or on the Internet or at any Web site, or any combination thereof including any injury or damage to customer’s or any other person’s computer related to or resulting from downloading or streaming any materials consistent with this agreement or subsequent use of any Natural Essential Oil Life owned web properties. If, for any reason, the stream is not capable of running online as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of Natural Essential Oil Life which threatens or corrupts or adversely affects the administration, security, fairness, integrity or proper conduct of a live stream offer, Natural Essential Oil Life reserves the right, in its sole discretion, to cancel, terminate or suspend the offer and/or any subscription. ANY ATTEMPT BY YOU TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THIS OFFER MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, Natural Essential Oil Life. WILL DISQUALIFY YOUR ATTEMPTED REDEMPTION AND RESERVES THE RIGHT TO SEEK DAMAGES FROM YOU TO THE FULLEST EXTENT PERMITTED BY LAW.
Your Account
You agree to provide accurate and complete information when you register with, and as you use, the Natural Essential Oil Life, and you agree to update your account information to keep it accurate and complete. You agree that Natural Essential Oil Life may store and use the information you provide for use in maintaining and billing fees to your Account.
9.1 Access to Previous Purchases
As an accommodation to you, subsequent to acquiring Natural Essential Oil Life training, you may download previously acquired training (when available) onto any Associated Device. Some Natural Essential Oil Life training or services that you previously acquired may not be available for subsequent download or access at any given time, and Natural Essential Oil Life shall have no liability to you in such event. As you may not be able to subsequently download certain previously-acquired content or training, once you download an item, it is your responsibility not to lose, destroy, or damage it, and you may want to back it up.
Natural Essential Oil Life reserves the right to change content options (including eligibility for particular features) or remove access without notice to any previously purchased training or content that is no longer valid or deemed out of date.
Social Media Groups and Communities
Business owners of all levels are welcome here. We have community members of all skill and experience levels, from college students to entrepreneurs to multi-million dollar enterprises.
We want people to feel safe when using our groups and forums. For that reason, we’ve developed a set of community guidelines, outlined below. These policies will help you understand what type of sharing is allowed in our private groups and communities, and what type of content may be reported to us and removed. Because of the diversity of our global community, please keep in mind that something that may be disagreeable or disturbing to you may not violate our community guidelines.
Business owners of all levels are welcome here.
We have members of all skill and experience levels, from college students to entrepreneurs to multi-million dollar enterprises.
Keep it respectful
Comments that are inappropriately negative, rude, or attacking will be deleted, removed, or we will ask you to revise your thoughts. Everyone is here to learn and grow, so anything violating that will be removed.
No pitching to the group
We have a strict ‘no shopping for customers’ policy in our groups. This includes pointing people to blog posts with your offers/affiliate offers and publicly asking members to join your own Facebook groups or communities. Be cautious of unsolicited private messages to group members. If we get multiple complaints that you or someone else is using private messages to make unsolicited pitches to members, you may be asked to leave. You should view the group as your peers, not your leads.
No gated content
Content posted in the groups cannot be used to harvest leads in any way. If you need a feedback or a review, post the direct PDF, document, or screenshot. Don’t require people to opt-in to view.
Respect confidentiality
Content gathered in our online community groups cannot be collected, repackaged, and/or shared outside the group. Every member of our communities has a right to privacy and the right to feel safe that their questions, answers, and experiences remain privy to group members only.
Keep it on topic
We reserve the right to remove posts based on off-topic content or offensive content.
Partnering with other members
Access to this group does not mean that Natural Essential Oil Life endorses anyone’s products or services. Please be cautious and do your due diligence when partnering with anyone in the group – don’t assume everyone is trustworthy. If you are looking for help implementing the stuff that Natural Essential Oil Life teaches, we do have a list of (vetted) partners through our Certified Partner program. You can check them out here: www.naturaleolife.com
Report posts that are breaking group policies
Due to the large number of people in our groups and communities, it’s sometimes difficult for us to catch everything. If you see a post that is questionable, please report it, tag our community manager in the comments, or reach out to our community manager directly via private message so our team can review them.
Breaking the rules
Three warnings for rule-breaking behavior will result in a 7-day removal from the group. After the 7 day period, you are welcome to rejoin the group on a 30-day probation. If you break the rules again during your probation, you will be permanently removed from the community or group.
INTELLECTUAL PROPERTY
You agree that the Natural Essential Oil Life, including but not limited to Natural Essential Oil Life Products and services, graphics, user interface, audio clips, video clips, editorial content, templates and the scripts and software used to implement Natural Essential Oil Life Services, contains proprietary information and material that is owned by Natural Essential Oil Life and/or its licensors, and is protected by applicable intellectual property and other laws, including but not limited to copyright. You agree that you will not use such proprietary information or materials in any way whatsoever except for use of the Natural Essential Oil Life Services in compliance with this Agreement. No portion of the Natural Essential Oil Life Services may be reproduced in any form or by any means, without expressed written permission from Natural Essential Oil Life. You agree not to modify, rent, lease, loan, sell, distribute, or create derivative works based on the Natural Essential Oil Life Services in any manner, and you shall not exploit the Natural Essential Oil Life brand in any unauthorized way whatsoever, including, but not limited to, by trespass or burdening network capacity.
Notwithstanding any other provision of this Agreement, Natural Essential Oil Life and its licensors reserve the right to change, suspend, remove, or disable access to any Natural Essential Oil Life products, content, or other materials comprising a part of the Natural Essential Oil Life brand at any time without notice. In no event will Natural Essential Oil Life be liable for making these changes. Natural Essential Oil Life may also impose limits on the use of or access to certain features or portions of Natural Essential Oil Life a services, in any case and without notice or liability.
All copyrights in and to Natural Essential Oil Life (including the compilation of content, postings, links to other Internet resources, and descriptions of those resources) and related software are owned by Natural Essential Oil Life and/or its licensors, who reserve all their rights in law and equity. THE USE OF THE SOFTWARE OR ANY PART OF Natural Essential Oil Life, EXCEPT FOR USE OF Natural Essential Oil Life AS PERMITTED IN THIS AGREEMENT, IS STRICTLY PROHIBITED AND INFRINGES ON THE INTELLECTUAL PROPERTY RIGHTS OF OTHERS AND MAY SUBJECT YOU TO CIVIL AND CRIMINAL PENALTIES, INCLUDING POSSIBLE MONETARY DAMAGES, FOR COPYRIGHT INFRINGEMENT.
Natural Essential Oil Life, the Natural Essential Oil Life logo, other Natural Essential Oil Life trademarks, service marks, graphics, and logos used in connection with Natural Essential Oil Life are trademarks or registered trademarks of Natural Essential Oil Life in the U.S. and/or other countries. Other trademarks, service marks, graphics, and logos used in connection with Natural Essential Oil Life Services may be the trademarks of their respective owners. You are granted no right or license with respect to any of the aforesaid trademarks and any use of such trademarks.
Personal Checks
All checks are held for 10 business days. Orders placed with a check will be held for 10 business days. Once 10 business days is complete, the order will be released and shipped.
All returned check will be charged a $25 USD return check fee.
Counter checks will not be accepted.
Checks and money orders must be sent in US funds.
Customer Service:
If you have questions or comments regarding Natural Essential Oil Life products, please email us at Natural Essential Oil Life.
Privacy Policy
naturaleolife.com is serious about protecting your online privacy. This Privacy Statement explains our views and practices concerning privacy, and how they may pertain to you as a user of our website.
You or Your means you as a participant in or as a user of the naturaleolife.com website. We or Our or Us means naturaleolife.com . Our site means naturaleolife.com .
SECTION 1 – WHAT DO WE DO WITH YOUR INFORMATION?
When you purchase something from our site, as part of the buying and selling process, we collect the personal information you give us such as your name, address and email address. This enables us to both fulfill and support the products you purchase.
When you browse our site, we also automatically receive your computer’s internet protocol (IP) address in order to provide us with information that helps us learn about your browser and operating system so we can better improve the experience for all our users.
Email marketing: With your permission, we may send you emails about new products, free and premium content (i.e. blog posts, YouTube videos, reports/whitepapers, etc.), and special events.
SECTION 2 – CONSENT
When you provide us with personal information to complete a transaction, verify your credit card, place an order, arrange for a delivery or return a purchase, we imply that you consent to our collecting it and using it for that specific reason only.
If we ask for your personal information for a secondary reason (i.e. newsletter subscription and marketing messages), we will ask you directly for your expressed consent and provide you with an opportunity to withdraw your consent.
You may withdraw your consent at any time by clicking on an “unsubscribe” link which is offered at the bottom of every email we send.
You may also withdraw your consent anytime, by contacting us at support(at) naturaleolife.com or mailing us at: Natural Essential Oil Life 909 Maryland Ave, Bristol, TN, 37620.
SECTION 3 – DISCLOSURE
We may disclose your personal information if we are required by law to do so or if you violate our Terms of Service. Also, if our site is acquired or merged with another company, your information may be transferred to the new owners so that they may continue to sell and support our products and services.
IMPORTANT: We do not sell, rent or otherwise disclose your personal information to any third parties, including but not limited to advertisers, strategic partners or vendors. Again, we take your privacy very seriously.
SECTION 4 – DATA STORAGE
Our shopping cart solution is hosted and managed by Social Fox. They provide us with the online e-commerce platform that allows us to sell our products and services to you.
Your data is stored through Social Fox data storage, databases and the general Social Fox application. They store your data on a secure server behind a firewall.
Payment:
If you choose a direct payment gateway to complete your purchase, then Infusionsoft stores your credit card data. It is encrypted through the Payment Card Industry Data Security Standard (PCI-DSS). Your purchase transaction data is stored only as long as is necessary to complete your purchase transaction. After that is complete, your purchase transaction information is deleted.
All direct payment gateways adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover.
PCI-DSS requirements help ensure the secure handling of credit card information by our store and its service providers.
NOTE: At no point during the transaction does Natural Essential Oil Life (or naturaleolife.com ) take custody or store your credit card information. This is process is monitored and managed by Stripe & PayPal, and you can read their terms of service, privacy policy and PCI Compliance information by visiting their site at: www.stripe.com and www.paypal.com
SECTION 5 – THIRD-PARTY SERVICES
In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us.
However, certain third-party service providers, such as payment gateways and other payment transaction processors, have their own privacy policies in respect to the information we are required to provide to them for your purchase-related transactions.
For these providers, we recommend that you read their privacy policies so you can understand the manner in which your personal information will be handled by these providers.
In particular, remember that certain providers may be located in or have facilities that are located a different jurisdiction than either you or us. So if you elect to proceed with a transaction that involves the services of a third-party service provider, then your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located.
As an example, if you are located in Canada and your transaction is processed by a payment gateway located in the United States, then your personal information used in completing that transaction may be subject to disclosure under United States legislation, including the Patriot Act.
Once you leave our store’s website or are redirected to a third-party website or application, you are no longer governed by this Privacy Policy or our website’s Terms of Service.
Links: When you click on links on our store, they may direct you away from our site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.
SECTION 6 – SECURITY
To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.
If you provide us with your credit card information, the information is encrypted using secure socket layer technology (SSL) and stored with a AES-256 encryption. Although no method of transmission over the Internet or electronic storage is 100% secure, we follow all PCI-DSS requirements and implement additional generally accepted industry standards.
SECTION 7 – COOKIES
Natural Essential Oil Life, and naturaleolife.com utilizes cookies to create a more customized experience for our users and customers. For example, we use a login cookie so members do not have to re-enter their username and password each time they return to our site We also use tracking pixels (i.e. Google Analytics) to aid in measuring and tracking where our website traffic is coming from and to track the performance of our site. Finally, we use remarketing pixels from Facebook, Google, Pinterest, and LinkedIn to aid in customized, targeted follow-up advertising.
SECTION 8 – AGE OF CONSENT
By using this site, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.
SECTION 9 – CHANGES TO THIS PRIVACY POLICY
We reserve the right to modify this privacy policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the website. If we make material changes to this policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.
QUESTIONS AND CONTACT INFORMATION
If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information contact our Privacy Compliance Officer at support (at) naturaleolife.com or by mail at Natural Essential Oil Life dba Be Natural Essential Oil Life 909 Maryland Ave, Brisol, TN 37620
Earnings And Income Disclaimer
Natural Essential Oil Life can not and does not make any guarantees about your ability to get results or earn any money with our ideas, information, tools, or strategies. You should know that all products and services by our company are for educational and informational purposes only. Nothing on this page, any of our websites, or any of our content or curriculum is a promise or guarantee of results or future earnings, and we do not offer any legal, medical, tax or other professional advice. Any financial numbers referenced here, or on any of our sites, are illustrative of concepts only and should not be considered average earnings, exact earnings, or promises for actual or future performance. Use caution and always consult your accountant, lawyer or professional advisor before acting on this or any information related to a lifestyle change or your business or finances. You alone are responsible and accountable for your decisions, actions and results in life, and by your registration here you agree not to attempt to hold us liable for your decisions, actions or results, at any time, under any circumstance.
SMS Texting Terms & Conditions
Natural Essential Oil Life (sometimes referred to as “we,” “us,” or “our”) offers subscription text message programs (also known as subscription SMS programs). Our customers and/or visitors of naturaleolife.com may enroll in these programs in a variety of ways; for example, by texting a specific keyword to a mobile short code, by filling out and submitting a form on naturaleolife.com , or in connection with enrolling in one of our marketing courses. Following your application for enrollment in one of our text message programs, you will receive a welcome text message from us confirming your subscription to this text message program. You may opt-out of these communications at any time, and your consent to receive marketing text messages is not required to purchase any goods or services from us. Message frequency varies.
We also offer one-time text messages. You will not be enrolled in any recurring text message program or text message “mailing list”. Individuals may text a keyword to us and receive one-time information on a certain topic.
We are committed to building user trust and confidence by promoting and complying with the use of business practices that help protect the privacy of the customer and their data. For more information, you can view a copy of our privacy policy online.
We do not have a separate charge for this service; however, message and data rates may apply from your mobile carrier. Subject to the terms and conditions of your mobile carrier, you may receive text messages sent to your mobile phone. Participation in our text message programs are standard rated (no premium content).
By providing your consent to participate in our text message programs, you approve any such charges from your mobile carrier. Charges for text messages may appear on your mobile phone bill or be deducted from your prepaid balance. We reserve the right to terminate our text message services, in whole or in part, at any time without notice. The information in any message may be subject to certain time lags and/or delays. You are responsible for managing the types of text messages you receive. If you have any questions or need help, email support (at) naturaleolife.com.
To stop receiving text messages from us, text STOP to the number you were texted from. By enrolling in this subscription program, you consent that following such a request to unsubscribe, you may receive one (1) final message from us confirming that you have been inactivated in our system. Following such confirmation message (if applicable), no additional text messages will be sent unless you re-activate your subscription.
We may use an automatic dialing system to deliver text messages to you. The Federal Communications Commission defines an “automatic telephone dialing system” or autodialer as equipment that has the capacity to store or produce telephone numbers to be called and to call such numbers. 47 C.F.R. § 64.1200. By your subscription to either, or both, the one-time text message program or the subscription text message program, you give your consent to us to use an automatic dialing system to deliver text messages to the telephone or cell phone number to which you have directed us to transmit these text messages.
United States Participating Carriers Include
ACS/Alaska, Allied Wireless, All West Wireless, Amerilink Wireless, Alltel, Arch Wireless, AT&T, Bluegrass Cellular, Boost, Cambridge, Cellcom, Cellone Nation, Cellular One of Montana, Cellular One of NE PA, C-Spire Wireless, Central Wireless, Chat Mobility, Cincinnati Bell, Cricket, Dobson Cellular, DTC Wireless, ECIT, East Kentucky Network, Edge Wireless, Element Mobile, FMTC, GCI Communications, Illinois Valley Cellular, Immix/Keystone Wireless, Inland Cellular, Iowa Wireless, iWireless, MetroPCS, Metrocall US, Mid-Tex Cellular, Midwest Wireless, Nex-Tech Wireless, NNTC Wireless, North Coast PCS, Northwest Missouri Cellular Ntelos, Pacific Bell, Panhandle Wireless, Pioneer Cellular, Plateau Wireless, Pocket Wireless, Qwest Wireless, Revol, Rural Cell, Silver Star PCS, Simmetry, Snake River PCS, South Central, Southwestern Bell, Suncom, Syringa Wireless, Triton PCS, Sprint, T-Mobile, UBET Wireless, Unicel, United Wireless, US Cellular, Verizon Wireless, Verizon Mobile US, Viaero Wireless, Virgin Mobile US, West Central Wireless, Western Wireless. Additional carriers may be added or removed without notice.
Canada Participating Carriers Include
Aliant Mobility, Bell Mobility, Fido, Globalive, Koodo, Lynx Mobile, Mobilicity, MTS, NorthernTel Mobility, Primus Wireless, Rogers Wireless, SaskTel Mobility, Tbaytel, Télébec Mobilité, TELUS Mobility, Vidéotron, Virgin Mobile Canada, WIND Mobile. Additional carriers may be added or removed without notice.
Disclaimer of Liability
Natural Essential Oil Life makes no representation or warranty as to the completeness or accuracy of the information provided on or in connection with this website (the “Website”) and disclaims all warranties, express and implied, including the warranties of merchantability, fitness for a particular purpose, and non-infringement. Natural Essential Oil Life makes no representation, guarantee or warranty, express or implied, regarding the outcomes achieved by applying the strategies, techniques, skills, information or advice (collectively, the “Strategic Content”) provided by any of its employees, representatives or affiliates in connection with the Website including without limitation any guarantee or warranty that the Content will enable any person to successfully complete or pass any specific examinations for any course, degree or occupational license. The foregoing does not affect any warranties which cannot be excluded or limited under applicable law. Natural Essential Oil Life is not accredited or recognized by the Department of Education or any other governmental organization or agency and does not offer any diploma, degree, or certificate of completion in respect of its program offerings, learning seminars or instructive content. In no event will Natural Essential Oil Life be liable for any special, indirect, incidental or consequential damages in respect of the use or misuse of the information provided in connection with the Website, including without limitation the Strategic Content, even if Natural Essential Oil Life has been advised of the possibility of such damages. The foregoing does not affect any liability which cannot be excluded or limited under applicable law. Certain jurisdictions do not allow limitations on implied warranties or the exclusion or limitation of certain damages. In such jurisdictions, some or all of the above disclaimers, exclusions or limitations may not apply to you.