AAll information on this Site, including any and all copyrights, trademarks, design rights and other intellectual property rights related to the content and work product on this Site, are owned by Words Aptly Spoken with the exception of the content you submit to us set forth in the section below.

The copying, redistribution, use, or publication by you of any such Content is strictly prohibited. Your use of our Site does not grant you any ownership rights to the Content of our Site.

The reproducing in any format (including on another website) of any part of our Site (including content, images and designs) without our prior written consent is strictly prohibited.

Requests for prior written consent should be addressed to the following email: systems(at)MosaicHomeEducation(dot)com.

You may provide links to our Site as long as:

a) you clearly give credit to us as the author,

b) include a hyperlink to our Site,

c) you do not remove or obscure any portion of our Site by framing or otherwise,

d) your website does not engage in illegal or pornographic activities, and

e) provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not provide links in such a way as to suggest any form of association, approval or endorsement on our part without our prior written consent.

You must not provide links from any website that is not owned by you.

You must cease providing links to our Site immediately upon our request.

The Content of this Site is meant for informational purposes only and is not intended to amount to professional or specific advice on which reliance should be placed.

Please refer to our Disclaimers for further information.

Every effort has been made to only provide complete and accurate information. However, we disclaim all responsibility and liability arising from any inaccuracies and any reliance placed on the information presented on this Site and shall not be liable for any damages or harm.

You may be provided with the ability to upload, display, post, transmit, send, email or otherwise submit to us on the Site or on any of our social media accounts, content in the form of text, files, images, photos, video, sounds, musical works, works of authorship, applications, or any other materials (the “content”, or “content you submit to us”).

You expressly acknowledge and agree that once you submit the content to us, it will be accessible by others, and that there is no confidentiality or privacy with regard to such content, including, without limitation, any personally identifying information that you may make available.

You, and not us, are entirely, and solely, responsible for all the content you submit to us. We do not claim ownership rights in the content you submit to us. However, you hereby grant to us a non-exclusive, fully paid and royalty-free, worldwide, perpetual license to modify, compile, combine with other content, copy, record, synchronize, transmit, translate, format, distribute, publicly display, publicly perform, and otherwise use or exploit (including for profit) such content and all intellectual property and moral rights therein, including, without limitation, distributing part or all of the Site in any media formats through any social media channels or technology now known or hereafter devised.

You represent and warrant that

• the content you submit to us is your original creation or you own the content or otherwise have the right to grant the license set forth above

• the content you submit to us does not violate the privacy rights, publicity rights, copyrights, contract rights, intellectual property rights or any other rights of any person,

• the content you submit to us does not result in a breach of contract between you and a third party,

• the content you submit to us does not contain any libelous, defamatory, or obscene material or content that violates our terms of use or those of our social media accounts.

You agree to be held solely liable for any damages resulting from any infringement of copyrights, trademark or other proprietary rights of the content you submit to us and for all royalties, fees, and any other monies owing any person by reason of the content you submit to us.

We make no representations or warranties of any kind, express or implied, as to the performance or operation of the Site and the information, contents, materials, documents, products, or services included on or through the Site. To the fullest extent permissible under the law, the Company disclaims all warranties, express or implied, including implied warranties of merchantability and fitness for a particular purpose.

To the maximum extent permitted by applicable law, in no event will our company or its directors, employees, or agents be liable to you or any third person for any direct, indirect or consequential loss or damage incurred in connection with the use, inability to use, or results of the use of our Site, any websites linked to it and any information, contents, materials, documents, products, or services included, offered, or purchased on or through the Site.

You expressly acknowledge and agree that our company its directors, employees, or agents shall not be liable to you for any direct, indirect, incidental, special consequential or exemplary damages which may be incurred by you, however caused and under any theory of liability. This shall include, but is not limited to, any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation and any other intangible loss.

As a condition of your use of the Site, you warrant that you will not use the Site for any purpose that is unlawful or prohibited by these Terms & Conditions.

You are prohibited from violating or attempting to violate any security features of the Site; damaging, disabling, or impairing or attempting to damage, disable or impair the Site; gaining or attempting to gain unauthorized access to any portion or feature of the Site; interfering with or causing disruption in the operation of the Site; modifying, reverse-engineering, decompiling, disassembling, participating in the transfer or sale, creating derivative works or attempting to modify, reverse-engineer, decompile, disassemble, participate in the transfer or sale, create derivative works, or in any way exploit, in whole or in part, any of the content available on the Site.

You agree to use the Site for lawful purposes only and any violation of any provision contained in these Terms may subject you to civil and/or criminal liability.

When you leave a comment on our Site, your comment will be publicly available to other visitors of this Site.

For spam detection purposes, we collect the data shown in the comments form, and also your IP address and browser user agent string in accordance with our Privacy Policy (place hyperlink to your Privacy Policy).

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

If you leave a comment on our Site, you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

Your comment may be checked through an automated spam detection service.

You can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

We reserve the right to remove any comment that we determine to be unlawful, inappropriate, offensive or otherwise objectionable or in violation of intellectual property laws or these Terms & Conditions.

While using the Site, you may provide certain personally identifiable information, such as your name, email address or IP address.

We process information about you in accordance with our Privacy Policy.

By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.

This Site may from time to time contain links to third-party sites and services. We have no control over and assume no responsibility for the content or practices of any third-party Sites or for any loss or damage that may arise from your use of them.

We recommend that you review the privacy policy and terms and conditions of such third-party sites. Once you leave our Site, you are no longer governed by our Terms & Conditions.

Content on this Site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other sites behaves in the exact same way as if the visitor has visited the other website. These sites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that site.

In accordance with Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising concerning the use of endorsements and testimonials in advertising, please be aware of the following:

Testimonials appearing on this website are received in various forms via a variety of submission methods.

The testimonials, statements, and opinions presented on Words Aptly Spoken website or materials are applicable to the individuals who wrote it. Results vary and may not be representative of the experience of others. The testimonials are voluntarily provided and are not paid, nor were they provided with free products or services, or any benefits in exchange for their statements.

The testimonials are representative of customer or client experiences but the exact results will be unique and individual to each customer or client.

The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information that is of no relevance to the general public.

We may have a financial relationship with some of the merchants I/we mention.

From time to time, our blog posts and pages may contain affiliate links, which means we may get compensated/earn a commission at no extra cost to you if the affiliate links are utilized to make a purchase.

Our editorial content, including the advice I/we provide for educational purposes and the opinion I/we express on products, services and merchants is not influenced in any way by advertisers or affiliate partnerships and the integrity of our content is in no way compromised by such financial relationships.

We only affiliate with products, services, and merchants that we believe will provide value to my/our readers. We only endorse products, services and merchants that I/we have personally used/tested and consider of the highest quality standard.

It remains solely your personal responsibility to conduct your own investigation to determine whether to purchase an affiliate product or service.

You will not rely on any recommendation, reference, or information provided by me/us and I/we cannot be held liable or responsible for any damages resulting from your purchase.

Amazon Affiliate Advertising Program

We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.

The contents, materials, documents, courses, products, or services included, offered, or purchased on or through the Site are protected by international copyright law and may not be copied, reproduced, given away, or used to create derivative works without our expressed written permission.

When using the Site, purchasing a digital product or course from the Site or downloading digital product free of charge or in exchange for your email address from the Site, you are granted a limited, personal, non-exclusive, non-transferable license of our contents, materials, documents, products, courses or services included, offered, or purchased on or through the Site for your personal or internal business use only.

You expressly acknowledge and agree that we retain full copyrights and under the aforementioned limited, personal, non-exclusive, non-transferable license you have no right to:

- modify, copy, reproduce or sell the materials;

- use the materials for any commercial purpose;

- decompile or reverse engineer;

- remove any copyright or other proprietary notations from the materials;

- transfer the materials to another person;

- create derivative works based upon the materials;

- offer any competing products based upon the materials.

If you violate this license by giving or selling a copy of Our template(s) and/or product(s) to anyone, we reserve the right to send You a bill for the licenses you have sent to others and revoke your access to Our website, template(s), and/or /product(s) permanently.

If you choose to take these actions, you will be notified and billed accordingly.

You may:

Access Your purchases for Your personal use or use in Your business for non-commercial purposes.

Download and/or print any purchases for Your personal use or in Your business for non-commercial purposes.

You may NOT:

Re-sell or trade Your access to Your purchases.

Share Your purchase with anyone else who has not yet purchased it or opted in to receive it.

Reprint or republish any of your purchases, in part or in whole.

Distribute any of the materials contained in Your purchases or related materials and/or communications as Your own, otherwise known as stealing.

Reproduce and tweak any part or whole of Your purchases for distribution as Your own work.

Claim ownership or use any of Our intellectual property without Our prior consent, which includes (but is not limited to): copyrights such as course materials, worksheets, workbooks, lessons, videos, and more; trademarks such as names, logos, taglines, or other unique source identifiers; or trade dress including the look and feel of any of Our offerings (and its related communications and materials).

If you violate this license by giving or selling a copy of Our template(s) and/or product(s) to anyone, we reserve the right to send You a bill for the licenses you have sent to others and revoke your access to Our website, template(s), and/or /product(s) permanently.

If you choose to take these actions, you will be notified and billed accordingly.

You may:

Access Your purchases for Your personal use or use in Your business for non-commercial purposes.

Download and/or print any purchases for Your personal use or in Your business for non-commercial purposes.

You may NOT:

Re-sell or trade Your access to Your purchases.

Share Your purchase with anyone else who has not yet purchased it or opted in to receive it.

Reprint or republish any of your purchases, in part or in whole.

Distribute any of the materials contained in Your purchases or related materials and/or communications as Your own, otherwise known as stealing.

Reproduce and tweak any part or whole of Your purchases for distribution as Your own work.

Claim ownership or use any of Our intellectual property without Our prior consent, which includes (but is not limited to): copyrights such as course materials, worksheets, workbooks, lessons, videos, and more; trademarks such as names, logos, taglines, or other unique source identifiers; or trade dress including the look and feel of any of Our offerings (and its related communications and materials).

Use Our offering or any related materials and/or communications in an unlawful way or for any illegal or unlawful purpose(s).

You acknowledge and agree that Confidential Information may be exchanged between parties in connection with the use of our Site and information, contents, materials, documents, products, or services included, offered, or purchased on or through the Site.

You must maintain the secrecy of Confidential Information and treat all Confidential Information as private and confidential. You shall use Confidential Information solely in the performance of the obligations under these Terms & Conditions. You shall not disclose the Confidential Information without prior written consent except where required by law or regulation. You shall indemnify us against all losses, costs, expenses and other liabilities which may be suffered or incurred in connection to or arising out of any breach of confidentiality.

When purchasing a product through the Site, you agree to the payment of the purchase price listed on the Site for the Product (the 'Purchase Price').

Payment of the Purchase Price may be made through a Payment Gateway Provider such as Stripe, PayPal, or Google Pay. In purchasing a product through the Site, you warrant and represent that you agree to be bound by the applicable Terms and Conditions, Privacy Policy and other relevant legal documentation provided by the Payment Gateway Provider.

Once the purchase is completed, you will be issued with a receipt to confirm that the payment has been received and we may record your purchase details for future use.

If you have purchased a service, digital product, enrolled in a course or joined a membership directly on our Site and you are not pleased with your purchase, we may, at our sole discretion, refund your purchase price within thirty (30) days of your purchase provided that receipt or alternative proof of purchase are produced.

If you wish to request a refund, you must provide your receipt or alternative proof of purchase and the reason for your request within thirty (30) days of your purchase by sending written notice to by email at Systems(at)MosaicHomeEducation(dot)com or any other email you have used to communicate with us.

Where the refund request is accepted, we will issue a refund in a timely manner.

When issuing a refund, if the item was purchased using a particular payment method you will be refunded using the same payment method in reverse.

Please allow 10 business days for the funds to be transferred.

These Terms of Use and any dispute or claim arising from or in connection with them shall be governed in accordance with the laws of: the Commonwealth of Kentucky and the United States of America.

In case of a dispute relating to or arising out of your use of our Site, the Parties shall first attempt to resolve the dispute personally and in good faith. If these personal resolution attempts fail, the Parties shall then submit the dispute to binding arbitration. The arbitration shall be conducted in Georgetown, Kentucky.

The arbitration shall be conducted by a single arbitrator, and such arbitrator shall have no authority to add Parties, vary the provisions of this Agreement, award punitive damages, or certify a class. The arbitrator shall be bound by applicable and governing Federal law as well as the law of the Commonwealth of Kentucky.Each Party shall pay their own costs and fees.

Claims necessitating arbitration under this section include, but are not limited to: contract claims, tort claims, claims based on Federal and state law, and claims based on local laws, ordinances, statutes or regulations. The Parties, in agreement with this sub-part of this Agreement, waive any rights they may have to a jury trial in regard to arbitral claims. The Parties further waive any rights to pursue or participate in a class or collective action.

You agree to indemnify, defend, and hold us and our partners, consultants, agents, officers, directors, employees, subcontractors, successors, service providers, and affiliates free from and against any and all legal claims, demands, liability, loss, claim, and expense, including reasonable attorney fees, court costs and other legal expenses, which may arise from or relate to your violation of these Terms & Conditions, any act or omission in connection with your use of our Site, or your infringement, of any intellectual property or other right of any person or entity.

We reserve the right to revise these Terms & Conditions at any time by amending this page.

All updates will be posted on this page and you are expected to check this page from time to time to take notice of any changes.

If you do not agree with the changes to these Terms & Conditions, you can choose to discontinue the use of our Site.

These Terms & Conditions constitute the entire understanding between the parties with respect to the subject matter hereof and specifically incorporate, supersede and replace all prior or contemporaneous oral and written agreements relating to the subject matter hereof.

No portion or provision of these Terms & Conditions may be changed, modified, amended, waived, supplemented, discharged, canceled or terminated orally or by any course of dealing, or in any manner other than upon written notice.

These Terms & Conditions may be executed in any number of counterparts in separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute one and the same Terms & Conditions.

Neither these Terms & Conditions nor any of the rights, interests or obligations granted hereunder shall be assigned, sold, leased or otherwise transferred in whole or in part, by operation of law or otherwise by any of the parties without the prior written consent of the other parties. Subject to the foregoing, these Terms & Conditions will be binding upon, inure to the benefit of, and be enforceable by, the parties and their respective successors and assigns.

Any provisions of these Terms & Conditions which are prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction. In such condition, the remainder of these Terms & Conditions shall continue in full force and shall be enforced to the maximum extent possible.

The failure to exercise any right, power or remedy provided under these Terms & Conditions or otherwise available in respect hereof at law or in equity, or to insist upon compliance by any other party hereto with its obligations hereunder, and any custom or practice of the parties at variance with the terms hereof, shall not constitute a waiver by such party of its right to exercise any such or other right, power or remedy or to demand such compliance.

The headings and captions in these Terms & Conditions are included for convenience of reference only and in no other way define, limit or delineate any of the provisions hereof or otherwise affect their construction or effect.

Neither party shall be liable for any delays or failures in performance resulting from acts beyond its reasonable control including, but not limited to, acts of God, acts of war or terrorism, acts of civil authorities, acts of military authorities, riots, embargoes, acts of nature and natural disasters shortage of supply, breakdowns or malfunctions, interruptions or malfunction of computer facilities, or loss of data due to power failures or mechanical difficulties with information storage or retrieval systems, labor difficulties or civil unrest. Notwithstanding the foregoing, in the event of such an occurrence, each party agrees to make a good faith effort to perform its obligations hereunder.

We reserve the right to terminate your rights under these Terms & Conditions without notice if you fail to comply with any of these Terms & Conditions.