1. Brands Covered by These Terms

These Terms & Conditions apply to all content, products, services, and communications offered under the S & T Lemoine brand, including but not limited to:

● Prosper With Tracy Lemoine

● S & T Publishing

● Rightly Dividing the Word

● Fitness & Wellness

● Marriage & Relationship Healing

● How-To’s & Reviews

● Any future brands, subdomains, or offerings operated by S & T Lemoine

2. Educational & Informational Purpose Only

All content provided through S & T Lemoine is for educational and informational purposes only.

Nothing on this website or in our programs should be considered:

● medical advice

● mental health advice

● nutritional or fitness prescriptions

● financial or legal advice

● professional counseling or therapy

You are responsible for your own decisions, actions, and results.

3. Health, Fitness & Wellness Disclaimer

Fitness, nutrition, wellness, and meal plan content is provided for general educational purposes only. Results vary by individual.

Always consult a qualified healthcare professional before starting any fitness program, dietary change, or wellness practice.

S & T Lemoine assumes no responsibility for injuries, losses, or damages resulting from the use of this information.

4. No Guarantees or Earnings Promises

Any references to income, results, growth, or success—whether related to business, digital products, or personal development—are not guarantees.

Individual results vary based on effort, experience, consistency, and personal circumstances. We make no promises regarding outcomes.

5. Intellectual Property

All content on this website—including text, graphics, designs, downloads, videos, documents, and branding—is the property of S & T Lemoine unless otherwise stated.

You may not:

● copy

● reproduce

● distribute

● resell

● modify

● republish

any content without prior written permission.

6. Digital Products & Downloads

Any digital products, free or paid, are provided “as is.” Access is granted for personal use only and may not be shared, resold, or redistributed.

Refunds, if applicable, are governed by our Refund Policy.

7. User Conduct

By using this website, you agree not to:

● misuse content

● attempt to gain unauthorized access

● disrupt site functionality

● use the site for unlawful or harmful purposes

We reserve the right to restrict access at our discretion.

8. Limitation of Liability

To the fullest extent permitted by law, S & T Lemoine shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or its content.

9. Third-Party Links

This website may contain links to third-party websites or tools. We are not responsible for the content, accuracy, or policies of those external sites.

10. Changes to These Terms

We reserve the right to update or modify these Terms & Conditions at any time. Continued use of the website constitutes acceptance of any changes.

11. Governing Law

These Terms & Conditions are governed by the laws of the United States, without regard to conflict-of-law principles.

12. Contact Information

If you have questions regarding these Terms & Conditions, please contact us through the website.