Prestige Publishing, LLC. (“Prestige Publishing” or “we”, “our” or “us”) operates the Stairs For Success services, encompassing our podcasts, newsletters, websites, the Stairs For Success, mobile apps, and related social media pages (collectively, the “Services”). These Terms of Service are an integral part of the overall “Agreement” between you and us, which also includes: Our Privacy Policy, elucidating how we collect and use your information. Our Shipping, Refunds, and Returns Policy, governing orders from the Stairs For Success. By using the Services, you agree to be bound by this Agreement. We may modify this Agreement, effective upon posting on the Services. Your continued use after any modification is deemed acceptance. Regularly review this Agreement for updates. If you disagree with modifications, discontinue Services use. 1. CONTENT Proprietary Rights Except for User Content, Stairs For Success, its affiliates, contributors, and licensors own or control all materials on the Services (Proprietary Materials). Do not exploit, modify, or create derivative works unless stated otherwise. You are granted a limited license for non-commercial, personal use, subject to compliance. Your Content Conditions of use grant us a license for Your Content. You represent having necessary rights for this license. Your Content must not violate copyright or proprietary rights. Third-Party Content & User Content Services may contain third-party content and User Content. While we retain rights to filter User Content, we are not responsible for it. Users own their User Content. 2. CONDUCT Use the Services lawfully. Prohibited activities include criminal acts, dangerous behavior, harassment, spamming, and commercial use. Your actions and Content must comply with these standards. 3. LINKS Services may link to third-party websites. We don’t monitor or control linked sites and aren’t responsible for their content or services. Access third-party sites at your own risk. Special Promotions Participate per official rules. We may use winners’ information as outlined in those rules. 4. THIRD-PARTY COMPANIES AND PROVIDERS Services may facilitate interactions with third-party businesses. Transactions, disputes, or obligations with these entities are solely between you and them. 5. DISCLAIMERS AND LIMITATION OF LIABILITY Services are provided “as is.” We disclaim implied warranties. We and third-party providers aren’t liable for operation, security, or accuracy. Stairs For Success is not responsible for User actions or Content. Liability is limited to fees paid in the past 180 days. 6. LEGALITY Adhere to applicable laws. We aren’t liable for legal restrictions affecting your participation. 7. APPLICABLE LAW; JURISDICTION Governing law is New York. Exclusive jurisdiction for disputes is in federal and state courts in New York. 8. BINDING ARBITRATION Disputes are subject to binding arbitration per JAMS Rules in New York. Waiver of jury trial is acknowledged. 9. INDEMNITY You agree to indemnify and hold Stairs For Success harmless from third-party claims due to your breach. 10. SEVERABILITY Provisions are severable. Invalidity in one jurisdiction doesn’t affect others. 11. ELECTRONIC COMMUNICATIONS Communications are electronic. Consent to receive communications electronically is implied. 12. OTHER Agreement is accepted upon using Services. Failure to enforce rights doesn’t waive them. 13. SUPPORT For assistance, contact support@stairsforsuccess.com. 14. MODIFICATION We reserve the right to modify the Services and this Agreement. Notice of material changes will be provided where possible. Contact support@stairsforsuccess.com with questions about this Agreement.