Terms of Service

HeatherKoshiol.com and Learn + Explore + Share are owned, operated and edited by me, Heather Koshiol. When you access, use and/or submit material (including comments) to HeatherKoshiol.com or Learn + Explore + Share, you agree to abide by these Terms of Service, including any future modifications that may occur to the Terms, which will be posted here on this page. I reserve the right to restrict site access for any reason, including leaving comment or trackback spam, or being generally unkind.

Unless otherwise specified, content published on HeatherKoshiol.com or Learn + Explore + Share becomes the property of Learn + Explore + Share, and is subject to editing or deletion. Content, including photos, is copyright Heather Koshiol unless otherwise credited.

Opinions expressed on HeatherKoshiol.com or Learn + Explore + Share (comments in particular) are not necessarily mine. All content on HeatherKoshiol.com or Learn + Explore + Share is intended for informational and educational purposes only. This information is not intended to and should not be used to replace professional psychological or psychiatric advice offered by physicians or other health providers. HeatherKoshiol.com or Learn + Explore + Share will not be liable for any direct, indirect, consequential, special, exemplary or other damages arising therefrom. You are advised to consult your health provider about your personal questions or concerns.

Disclosure Policy & FTC Guidelines

In the interest of full disclosure, please note that links related to books, products, courses or other items that you see on this site may take you to their purchase pages, where I may be a member of affiliate programs. You are under no obligation to buy anything nor am I otherwise paid to link to these items. I generally do not link to purchase pages of any products or offerings that I haven’t personally used. If ever I accept payment to review a product, disclosure of such compensation will be noted in the specific post, and the review will be an honest reflection of my opinion.

Privacy Policy

I will not sell, distribute or reveal your email addresses or other personal information without your consent, except as required by law. When publishing something you submit to me, HeatherKoshiol.com, or Learn + Explore + Share, unless you specifically request or consent otherwise, I'll identify you by your first name only and, if available, link to your blog or website.