Terms of Service

Last updated: 23 AUG 2025

These Terms of Service (“Terms”) govern your access to and use of wjmegenney.com and all associated subdomains, including but not limited to health.wjmegenney.com, money.wjmegenney.com, success.wjmegenney.com, faith.wjmegenney.com, and fiction.wjmegenney.com (collectively, the “Site”). The Site is owned and operated by William J. Megenney (“we,” “us,” or “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1) Eligibility & Acceptance

By using the Site, you represent that you are at least the age of majority in your jurisdiction or you have parental/guardian consent. Your continued use constitutes acceptance of these Terms and any changes we post.

2) Changes to the Site & to These Terms

We may modify or discontinue any part of the Site at any time without notice. We may update these Terms from time to time; the “Last updated” date will change. Your continued use after changes are posted means you accept the updated Terms.

3) Informational Content Only (No Professional Advice)

The Site provides educational and informational content, including on topics such as health, finance/wealth, success, faith, and fiction/creative works.

  • Not medical advice: Nothing on the Site constitutes medical advice; consult a qualified healthcare professional.
  • Not financial/legal advice: Nothing on the Site constitutes financial, investment, tax, or legal advice; consult a qualified professional.
  • Faith/spiritual content: Content reflects personal research, beliefs, or opinions; individual interpretation may vary.
    Use the Site at your own risk.

4) Accounts & Access

Most content is accessible without an account. If any account features are enabled now or in the future:

  • You are responsible for all activity under your credentials.
  • Keep login details confidential.
  • We may suspend or terminate accounts that violate these Terms.

5) User Content & Comments

We currently use Disqus to manage comments. Comments may be hosted and processed by Disqus and are subject to Disqus’s own terms and privacy policy. You are responsible for your comments and any content you submit. You agree not to post content that is unlawful, defamatory, harassing, hateful, misleading, spammy, or that infringes intellectual property or privacy rights. We may remove or moderate content at our discretion, and we may suspend or block users for violations.

6) Intellectual Property

All content on the Site—including text, artwork, graphics, images, videos, audio, logos, and original characters or stories—are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws.

  • You receive a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes.
  • You may not copy, reproduce, republish, modify, translate, distribute, sell, or create derivative works from the Site’s content without our prior written consent, except as permitted by law (e.g., fair use).

7) DMCA / Copyright Complaints

If you believe content on the Site infringes your copyright, please send a detailed notice to [CONTACT EMAIL] with: (a) your contact info; (b) a description of the work claimed to be infringed; (c) the URL(s) of the allegedly infringing material; (d) a statement that you have a good-faith belief the use is not authorized; (e) a statement, under penalty of perjury, that the information is accurate and you are the copyright owner or authorized to act on their behalf; and (f) your physical or electronic signature. We may remove content and/or terminate repeat infringers consistent with applicable law.

8) Third-Party Services, Links, & Embedded Content

The Site may link to or embed third-party services or websites (e.g., YouTube, X/Twitter, Disqus, affiliate merchants). We do not control or endorse third-party sites and are not responsible for their content, policies, or practices. Your use of third-party services is governed by their terms and policies.

9) Advertising, Sponsorships, & Affiliate Disclosure

The Site displays ads (e.g., Google AdSense) and may include affiliate links. We may earn compensation when you view ads or purchase through affiliate links. Compensation does not influence our opinions. Prices, terms, and availability for third-party products/services can change without notice. See our Privacy Policy for details on cookies and ad technology.

10) User Conduct (Prohibited Uses)

You agree not to:

  • Violate laws or infringe rights (IP, privacy, publicity).
  • Post or transmit malware, viruses, or malicious code.
  • Attempt to gain unauthorized access to the Site or our servers.
  • Scrape, crawl, or harvest data except as permitted by robots.txt or applicable law.
  • Engage in spam, deceptive practices, or activities that could disrupt or burden the Site.

11) Purchases, Products, & Downloads (Present or Future)

If we offer products or digital downloads now or in the future (e.g., merchandise, ebooks, courses) via platforms such as WooCommerce or Easy Digital Downloads:

  • Prices, descriptions, and availability are subject to change.
  • All sales may be subject to additional terms posted at checkout (refunds, licensing, usage limits).
  • You are responsible for providing accurate billing/shipping information.
  • For digital products, licenses are personal, non-transferable, and limited as stated on the product page.

12) Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and share information, including cookies, analytics, ads, and comment data. Please review it here: /privacy-policy.

13) Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.

14) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SITE SHALL NOT EXCEED US$100 OR THE AMOUNT YOU PAID (IF ANY) IN THE 3 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, WHICHEVER IS GREATER.

15) Indemnification

You agree to indemnify, defend, and hold harmless us and our affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your violation of these Terms or your misuse of the Site.

16) Suspension & Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, us, or third parties.

17) International Users

Accessing the Site from locations where the content is illegal is prohibited. You are responsible for compliance with local laws.

18) Governing Law & Venue

These Terms are governed by the laws of the State of Idaho, USA, without regard to conflict-of-laws principles. You agree to the exclusive jurisdiction and venue of the state and federal courts located in Idaho for any disputes arising out of or relating to these Terms or the Site.

19) Severability; Waiver; Entire Agreement

If any provision of these Terms is held invalid, the remaining provisions remain in full force. Our failure to enforce any right or provision is not a waiver. These Terms constitute the entire agreement between you and us regarding the Site and supersede all prior or contemporaneous communications.

20) Contact

For questions about these Terms, copyright notices, or legal requests, contact:
Email: wmegenney@gmail.com
Or use the contact methods listed on our /contact page.