Terms and Conditions

Last Updated: October 2025

This website (the “Site”) is owned and operated by Michele Parker d/b/a Widows Answers (“we,” “us,” or “our”).
By accessing or using this Site, you agree to be bound by these Terms and Conditions and our Privacy Policy.

1. Eligibility and Use

You must be at least 13 years old (18+ for purchases).
You agree to use the Site only for lawful purposes and in accordance with these Terms.

2. Intellectual Property

All content on this Site—including text, images, graphics, videos, and downloads—is owned by or licensed to Michele Parker and protected by copyright and other intellectual property laws.
You may view or print portions of the Site for personal, non-commercial use only.
You may not reproduce, distribute, or modify any materials without prior written consent.

3. User Submissions

If you post or submit content (such as comments, testimonials, photos, or stories), you represent that:

You own or have permission to share it, and

You are at least 13 years old.

By submitting, you grant Michele Parker d/b/a Widows Answers a worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use, display, and distribute your content in any media, including for marketing.
You may be identified by name or screen name where appropriate.

4. Purchases and Refunds

All sales are final unless otherwise stated in a specific offer.
Digital products are considered delivered when access credentials or download links are sent.
If a payment plan applies, all payments must be completed on schedule; missed payments may suspend access until resolved.

5. Disclaimers

This Site and its content are provided “as is” and “as available.”
We make no guarantees, representations, or warranties of any kind, express or implied, regarding accuracy, fitness for a particular purpose, or reliability.

All information and materials are for general educational and informational purposes only. Nothing here should be taken as legal, medical, financial, or therapeutic advice. You are solely responsible for your actions and results.

6. Limitation of Liability

To the fullest extent permitted by law, Michele Parker d/b/a Widows Answers and its affiliates, officers, employees, or agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data arising from your use of the Site or our services.

Our total liability for any claim shall not exceed the amount you paid us within the three (3) months prior to the claim.

7. Mobile Messaging Program (A2P/10DLC Compliance)

By opting in to receive text messages from Widows Answers, you consent to receive recurring automated marketing and informational texts (e.g., updates, reminders, offers) at the phone number you provide, using an automatic telephone dialing system or similar technology.

Consent is not a condition of purchase.

Message frequency varies. Message and data rates may apply.

To opt out, text STOP. You will receive one final confirmation message.

For help, text HELP or email [email protected].

Carriers are not liable for delayed or undelivered messages.

You must be 13+ and the authorized account holder (or have permission from one).

We may adjust message frequency or content types with notice via message or updated policy.

8. Third-Party Links

We may include links to external websites for convenience. We do not control and are not responsible for the content or privacy practices of those websites. Access them at your own risk.

9. Indemnification

You agree to indemnify, defend, and hold harmless Michele Parker d/b/a Widows Answers and her agents from any claims, damages, liabilities, costs, or expenses arising out of your use of the Site or violation of these Terms.

10. Governing Law and Dispute Resolution

These Terms are governed by the laws of Wisconsin.
Any dispute shall be resolved through confidential, binding arbitration in Stoughton, WI, conducted on an individual basis.
You waive any right to participate in a class action or representative proceeding.

11. Contact Information

Michele Parker d/b/a Widows Answers
📧 [email protected]