Musing Minds LLC Terms of service

Use and Consent

Please read these Terms of Service (hereinafter “Terms and Conditions”) carefully and in their entirety before using www.anniepetsche.com (hereinafter “we,” “our,” “us”). You, as a visitor and/or user of our website, agree to these Terms and Conditions, and your access and/or use of our website or materials requested through email constitutes your voluntary acceptance to be bound by these terms, whether you have read them or have had the opportunity to read them and have chosen not to. 

This website is not intended for persons under the age of 18.

Privacy Policy

We respect your privacy and permit you to control the treatment of your personal information. Please read our Privacy Policy here.

Earnings Disclaimer

Any income or earnings examples shared by Musing Minds LLC are for educational and illustrative purposes only. We make no guarantees of results or financial success. Your results will vary based on your own efforts, skills, market conditions and factors outside of our control. We do not promise, guarantee, or imply that you will earn any money using our strategies or systems.

Payments and Refund Policy

All transactions for purchase of intangible products, PDF downloads, resource material, and online content are made through Stripe and use SSL encryption. Stripe is safe and secure for using all types of credit cards and debit cards in different countries and your details are not stored during this process.

Any purchase of a digital product is deemed “used” after download or opening, and all digital product purchases made on www.davemadvisors.com are non-refundable or exchangeable. Since the products made available here are intangible, there is a strict no refund policy.

All transactions for purchase of intangible products, PDF downloads, resource material and online content are final and are non-refundable. Refunds will not be issued for coaching or consulting services already conducted.

Musing Minds LLC reserves the right to amend any information, including but not limited to prices, technical specifications, terms of purchase and product or service offerings without prior notice.

No Warranty or Liability

The information provided on www.anniepetsche.com is believed accurate when made. However, we do not warrant or represent that such information is or will always be current, accurate, and/or complete. You agree that we are not responsible for the accuracy of our website or for any errors or omissions in its content or in materials requested through email. 

The use of our website or the downloading of any materials through the website is done at your own discretion and risk and with your agreement that you will be solely responsible for any damage to your computer system, loss of data, or other harm that results from such activities. Musing Minds LLC assumes no liability for any computer virus or other similar software code that is downloaded to your computer from our website or in connection with any materials offered through the website.

THE INFORMATION IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THE WARRANTY OF NON-INFRINGEMENT.

YOU AGREE THAT IN NO EVENT, INCLUDING, WITHOUT LIMITATION, NEGLIGENCE SHALL MUSING MINDS LLC AND ITS SUBSIDIARIES, AFFLIATES, AGENTS, OFFICERS, DIRECTORS, EMPLOYEES, OR PARTNERS BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES.

We expressly exclude any liability to the fullest extent of the law. 

By using our website and its content or requesting materials via email, you agree to this limitation of liability and release Musing Minds LLC from any and all claims.

Indemnification

You agree at all times to defend, hold harmless, and indemnify Musing Minds LLC and its subsidiaries, affiliates, agents, officers, directors, employees, or partners, from any claim, demand, cause of action, including attorney’s fees and costs, arising from your use of our website or its content, or materials requested through email, as well as any third party claims of any kind arising from your actions in relation to our website (including any content you submit, post to, or transmit through our website). 

Should we be required to defend ourselves in any action directly or indirectly involving you, you agree to provide any documents, testimony, evidence, or other information we deem useful to us free of charge. 

Intellectual Property Protection and Personal Use

The materials contained on our website, including, but not limited to, products (including e-courses), programs, documents, videos, photos, graphics, designs, and other files, are the proprietary property of Musing Minds LLC and are protected by United States intellectual property rights. 

Musing Minds LLC grants you a limited non-exclusive non-transferable license to view, copy, download, and/or print the content of www.anniepetsche.com solely for your personal, non-commercial use. You agree not to copy, republish, frame, download, transmit, modify, rent, lease, loan, sell, assign, distribute, license, sublicense, reverse engineer, or create derivative works based on www.anniepetsche.com its materials, or its services, except as expressly authorized herein.

Nothing contained on www.anniepetsche.com should be understood as granting you a license to use any of the trademarks, service marks, or logos owned by Musing Minds LLC or by any third party.

Any other use of the materials in www.anniepetsche.com and/or materials requested via email, including, but not limited to, for any commercial use, copying, republication, distribution, transfer, performance, display, or reproduction other than as indicated above, is strictly prohibited. 

You agree that you will not use our website, products (including e-courses), programs, documents, videos, photos, graphics, designs, and other files in any manner that constitutes an infringement of our intellectual property rights. Unauthorized use constitutes theft and we reserve the right to prosecute theft to the fullest extent of the law.

User Limitations

You agree that you will not post, transmit, upload, perform, or otherwise make available any User Content that is:

  • Harmful, threatening, defamatory, abusive, harassing, obscene, vulgar, hateful, pornographic, or otherwise objectionable;

  • Advocates or encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or foreign law or regulation; or

  • Advertises or otherwise solicits funds or is a solicitation for goods or services. 

You agree to use this website for lawful purposes only and agree not to violate or attempt to violate any security features of www.anniepetsche.com  including, but not limited to:

  • Accessing content or data not intended for you, or logging onto a server or account that you are not authorized to access;

  • Attempting to probe, scan, or test the vulnerability of www.anniepetsche.com or any associated system or network, or to breach security or authentication measures without proper authentication;

  • Interfering or attempting to interfere with service to any user, host, or network, including, without limitation, by means of submitting a virus to www.anniepetsche.com , overloading, “flooding,” “spamming,” “mail bombing,” or “crashing;”

  • Using www.anniepetsche.com  to send unsolicited email, including, without limitation, promotions or advertisements for products or services;

  • Forging any TCP/IP packet header or any part of the header information in any email or in any posting to www.anniepetsche.com ; or

  • Attempting to modify, reverse-engineer, decompile, disassemble, or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by Musing Minds LLC in providing www.anniepetsche.com.

You understand that any violation of system or network security may subject you to civil and/or criminal liability. Musing Minds LLC intends to cooperate fully with any law enforcement officials or agencies in the investigation of any violation of these Terms and Conditions or of any applicable laws.

Testimonials

Our website may feature testimonials. They are examples. While these testimonials are accurate and honest portrayals of actual clients or customers sharing their opinions about our website, products and/or services, they are not a guarantee that all clients or customers will have the same, similar, or better experience.

Termination

We reserve the right to terminate your access to our website, in full or in part, at any time for any reason.

Dispute Resolution and Jurisdiction

These Terms and Conditions shall be governed and construed according to the laws of the State of Colorado, USA without regard to conflict of laws principles. The nearest state and federal court to Denver, Colorado shall have exclusive jurisdiction over any case or controversy arising from your use of our website or its content, or via materials requested through email.

By using our website or its content, or via materials requested through email, you submit to the exclusive jurisdiction and venue of these courts and waive any defense of forum non conveniens.

In the event that Musing Minds LLC must make a claim for any breach of these Terms and Conditions by negotiation, litigation, mediation, or arbitration, we shall be entitled to recover attorney’s fees and costs.

Severability

If any provision of these Terms and Conditions shall be declared unenforceable or invalid, all remaining provisions shall remain in full force and effect.

Modification of Terms and Conditions

We may change, modify, or update these Terms and Conditions at any time and will notify you of any such changes by a prominent notice displayed on our website at least 10 days prior to implementing the change. We recommend that you check the Terms and Conditions when you visit our website to be sure that you are aware of our most current policies.

By continuing to use this website, you agree to be bound by the most updated version of these Terms and Conditions, whether you have read them or have had the opportunity to read them and have chosen not to. 

Contact Us

For any questions or concerns regarding these Terms and Conditions, please contact:

Annie Petsche

info@anniepetsche.com

Last Updated: October 2025