[LAST UPDATED: 2024] Welcome to Sparking Your FIRE! These Terms of Use ("Terms") govern your use of our website, https://www.sparkingyourfire.com/ (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site. 1. Acceptance of Terms By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as any additional guidelines, restrictions, or rules that may be posted in connection with specific sections or services of the Site. 2. Changes to Terms We reserve the right to modify these Terms at any time without prior notice. Any changes to the Terms will be effective immediately upon posting on the Site. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes. Please review these Terms regularly. 3. Use of Site Eligibility You must be at least 18 years old to use this Site. By using this Site, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms. Permitted Use You may use the Site and its content solely for your personal, non-commercial use. You agree not to use the Site for any unlawful purpose or in any way that might harm, damage, or disparage any other party. 4. Content Intellectual Property All content on the Site, including but not limited to text, graphics, logos, images, and software, is the property of Sparking Your FIRE or its content suppliers and is protected by copyright and other intellectual property laws. User Content You may have the opportunity to post comments, feedback, or other content on the Site. By posting content, you grant Sparking Your FIRE a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. Prohibited Content You agree not to post or transmit any content that is unlawful, threatening, defamatory, obscene, or otherwise objectionable. We reserve the right to remove any content that violates these Terms or is otherwise inappropriate at our sole discretion. 5. Disclaimers No Professional Advice The content on this Site is provided for informational purposes only and does not constitute financial, legal, medical, or professional advice. Always seek the advice of your financial advisor, lawyer, physician, therapist, or other qualified professional with any questions you may have regarding a financial plan, legal issue, medical condition, or mental health issue. No Warranties The Site is provided on an "as is" and "as available" basis. Sparking Your FIRE makes no representations or warranties of any kind, express or implied, as to the operation of the Site or the information, content, materials, or products included on the Site. 6. Limitation of Liability In no event shall Sparking Your FIRE be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with the use or inability to use the Site or any content provided on the Site. 7. Indemnification You agree to indemnify, defend, and hold harmless Sparking Your FIRE, its officers, directors, employees, agents, licensors, and suppliers from and against any and all claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Site. 8. Governing Law These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law principles. 9. Affiliate Disclosure This Site may contain affiliate links, which means Sparking Your FIRE may receive a commission if you click a link and purchase something that we have recommended. While clicking these links won't cost you any extra money, they will help us keep this Site up and running. 10. Contact Information If you have any questions about these Terms, please contact us at sparkingyourfireblog@gmail.com.

[LAST UPDATED: 2024] Sparking Your FIRE ("us", "we", or "our") operates the Site https://www.sparkingyourfire.com/. Contact email: sparkingyourfireblog@gmail.com. We are committed to protecting and respecting your privacy. This Site collects some personal data from its users. This Privacy Policy informs you of our views, practices, and policies regarding the collection, use, and disclosure of personal data we receive from users of the Site. By submitting personal data to us, you agree to us using your personal data as follows. INFORMATION COLLECTION, PURPOSE, AND USE While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to name, email address, cookies, usage data, and password. We may use your personal information to send you our newsletters from time to time (monthly) manage contacts and send messages ensure that content from our site is presented in the most effective manner for you and for your computer provide you with information, products or services that you request from us which may be of interest to you carry out our obligations arising from any contracts entered into between you and us Facebook, Instagram, and Pinterest interact with external social networks and platforms allow registration and authentication affiliate portals and membership areas allow access to third-party services' accounts monitor infrastructure manage hosting and backend infrastructure interact with live chat platforms carry out remarketing and behavioral targeting including display ads display content from external platforms carry out commercial affiliation (e.g. display ads) interact with support and feedback platforms manage user database In addition to the above, we may collect log data and use cookies. Log Data Like many site operators, we collect information that your browser sends whenever you visit our Site. This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics. In addition, we may use third-party services such as Google Analytics that collect, monitor and analyze this data. Cookies Cookies are text files with a small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your computer's, tablet’s, or mobile’s part of the hard drive specifically designated for cookies. It is standard practice to use cookies to make your experience better when using a website. Like many sites, we use "cookies" to recognize, collect, and/or track information about, and relevant to, your usage of the Site. Please refer to our Cookie Policy below for information on what cookies we use, for what purposes we use cookies, and how to control cookies. Upon your first visit to the Site (and periodically after that), we will request your consent to our use of cookies, except for those strictly necessary. Our website uses Google Analytics, Google AdSense, and various affiliate programs to enhance your experience and our services. These third-party services may collect, use, and share your data in accordance with their own privacy policies. It's important to understand the details of these services: Google Analytics: This is a tool provided by Google that helps website owners measure how users interact with website content. It provides valuable insights that can help us improve the user experience on our site. Google Analytics works by collecting information about where users come from, how long they stay on the site, what pages they visit, what type of device they're using, and more. This information is collected via a JavaScript tag in the pages of our site. All data is anonymized and cannot be used to identify individuals. For more information on Google's privacy practices, please see Google's privacy policy. Google AdSense: Google AdSense is an advertising service provided by Google. It uses cookies to serve ads based on a user's previous visits to our website or other websites. Google's use of advertising cookies enables it and its partners to serve ads to our users based on their visit to our sites and/or other sites on the Internet. Users may opt out of personalized advertising by visiting Google's Ads Settings. Affiliate Programs: We participate in various affiliate marketing programs, which means we get paid commissions on purchases made through our links to retailer sites. These programs use cookies to track visits for the purposes of assigning commission on these sales. It is important to note that third-party vendors, including Google, use cookies to serve ads based on a user's previous visits to our website or other websites. Please note that these third-party services operate independently from us and have their own privacy policies. We strongly encourage you to familiarize yourself with these policies. If you do not wish for these third-parties to collect and use information about your browsing behavior, you may opt-out through the settings of your browser or device, or through the applicable third-party opt-out services. Remember that while we strive to protect your personal information, we cannot guarantee or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the site. Please remember that your relationship with each third-party service is governed by the terms and conditions and privacy policy of that service. We encourage you to be aware when you leave our website and to read the privacy statements of each and every website that collects personal information. DATA STORAGE Your personal data may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy. LAWFUL BASIS OF PROCESSING PERSONAL DATA We may process personal data relating to users if one of the following applies: users have given their consent for one or more specific purposes provision of data is necessary for the performance of an agreement with the user and/or for any pre-contractual obligations thereof processing is necessary for compliance with a legal obligation to which we are subject processing is necessary for the purposes of the legitimate interests pursued by us or by a third party. DATA RETENTION We process and store your personal data for as long as required by the purpose they have been collected for. Therefore: personal data collected for purposes related to the performance of a contract between us and the user will be retained until such contract has been fully performed personal data collected for the purposes of our legitimate interests will be retained as long as needed to fulfill such purposes we may be allowed to retain personal data for a longer period whenever the user has given consent to such processing, as long as such consent is not withdrawn we may be obliged to retain personal data for a longer period whenever required to do so for the performance of a legal obligation or upon order of an authority Once the retention period expires, personal data will be deleted and some of your rights (i.e. the right to access, the right to erasure, the right to rectification, and the right to data portability) cannot be enforced after the expiration of the retention period. You may find specific information regarding your rights within the relevant section of this Privacy Policy or by contacting us at sparkingyourfireblog@gmail.com. THIRD-PARTY DISCLOSURE We do not sell, trade, or otherwise transfer to outside parties your personal information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when its release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses. YOUR RIGHTS Users have the right to do the following: Withdraw their consent at any time. Users have the right to withdraw consent where they have previously given their consent to the processing of their personal data. Object to processing of their data. Users have the right to object to the processing of their data if the processing is carried out on a legal basis other than consent. Access their data. Users have the right to learn if data is being processed by us, obtain disclosure regarding certain aspects of the processing, and obtain a copy of the data undergoing processing. Verify and seek rectification. Users have the right to verify the accuracy of their data and ask for it to be updated or corrected. Restrict the processing of their data. Users have the right, under certain circumstances, to restrict the processing of their data. In this case, we will not process their data for any purpose other than storing it. Have their personal data deleted or otherwise removed. Users have the right, under certain circumstances, to obtain the erasure of their data from us. Receive their data and have it transferred to another controller. Users have the right to receive their data in a structured, commonly used and machine-readable format and, if technically feasible, to have it transmitted to another controller without any undue delay. Lodge a complaint. Users have the right to bring a claim before their competent data protection supervisory authority. You can exercise your right to prevent such processing by contacting us at sparkingyourfireblog@gmail.com. These requests can be exercised free of charge and will be addressed by us as soon as possible and always within 30 days. SECURITY The security of your personal information is important to us. Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our Site as safe as possible. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user places an order, enters, submits, or accesses their information to maintain the safety of your personal information. All transactions are processed through a gateway provider and are not stored or processed on our servers. Unfortunately, no method of transmission over the internet is completely secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. CHANGES TO THIS PRIVACY POLICY This Privacy Policy is effective as of 2024 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page. We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of our Site after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy. If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website. CONTACT US If you have any questions about this Privacy Policy, please contact us at sparkingyourfireblog@gmail.com. CALIFORNIA ONLINE PRIVACY PROTECTION ACT We agree to users visiting our Site anonymously. COPPA (CHILDREN ONLINE PRIVACY PROTECTION ACT) For the collection of personal information from children under the age of 13 years old, we comply with the Children’s Online Privacy Protection Act (COPPA). The Site is not intended for children under 13 years of age. We do not specifically market to children under 13 years of age. We do not knowingly collect personal information from children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are under 13 years of age, please do not use the Site or provide any information on the Site, including your name, screen name, username, address, telephone number, email address, and payment details. If we learn we have collected or received personal information from a child under 13 years of age without verification of consent from a parent or guardian, the personal information collected or received shall be deleted with no delay. If you believe we might have any information concerning a child under 13 years of age, please contact us at sparkingyourfireblog@gmail.com and we will endeavor to delete such information with no delay. GDPR Compliance We value your privacy and are committed to protecting your personal data in accordance with the General Data Protection Regulation (GDPR). This section explains how we collect, use, and protect your personal data when you visit our website. Data Controller The data controller responsible for your personal data is Ana Hinshaw at Sparking Your FIRE, located in Arkansas, USA. You can contact us at sparkingyourfireblog@gmail.com for any questions or concerns regarding your personal data. Personal Data We Collect We may collect the following types of personal data from you: Contact Information: Name, email address, phone number, etc. Technical Data: IP address, browser type, operating system, and other similar information. Usage Data: Information about how you use our website, including pages visited, time spent on the site, and other analytical data. How We Use Your Personal Data We use your personal data for the following purposes: To provide and improve our services To communicate with you and respond to your inquiries To send you newsletters, updates, and promotional materials (if you have opted in) To comply with legal obligations Legal Basis for Processing We process your personal data based on the following legal grounds: Consent: When you have given us explicit consent to process your data for specific purposes. Contract: When processing is necessary for the performance of a contract with you. Legal Obligation: When we need to comply with legal obligations. Legitimate Interests: When processing is necessary for our legitimate interests and does not override your rights. Data Retention We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. Once your personal data is no longer needed, we will securely delete or anonymize it. Your Rights Under GDPR, you have the following rights regarding your personal data: Right to Access: You can request access to your personal data and obtain a copy. Right to Rectification: You can request the correction of inaccurate or incomplete data. Right to Erasure: You can request the deletion of your personal data under certain conditions. Right to Restrict Processing: You can request the restriction of processing your personal data under certain conditions. Right to Data Portability: You can request the transfer of your personal data to another organization. Right to Object: You can object to the processing of your personal data under certain conditions. Right to Withdraw Consent: You can withdraw your consent to process your personal data at any time. To exercise any of these rights, please contact us at sparkingyourfireblog@gmail.com. Data Security We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, disclosure, alteration, and destruction. International Data Transfers Your personal data may be transferred to and processed in countries outside the European Economic Area (EEA). We ensure that such transfers comply with applicable data protection laws and that appropriate safeguards are in place. Changes to This Policy We may update this GDPR Compliance section from time to time. We will notify you of any changes by posting the new version on our website and updating the effective date. Contact Us If you have any questions or concerns about our GDPR compliance, please contact us at: sparkingyourfireblog@gmail.com.

[LAST UPDATED: 2024] This Cookie Policy outlines how Sparking Your FIRE ("us", "we", or "our") and our third-party service providers use cookies and similar technologies to recognize, collect, and/or track information about, and relevant to, your usage of https://www.sparkingyourfire.com/ (the "Site"). WHAT COOKIES ARE Cookies are text files with a small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your computer's, tablet device’s, or mobile device’s part of the hard drive specifically designated for cookies. It is standard practice to use cookies to make your experience better when using a website. Like many sites, we use "cookies" to recognize, collect, and/or track information about, and relevant to, your usage of the Site. These cookies are known as “first-party cookies”. We may also recognize, collect, and/or track information through cookies set by third parties. These cookies are known as “third-party cookies”. Third-party cookies are used to perform tasks related to advertising, and analytics, and to enable interactive features such as sharing or commenting. Some third parties collect statistics in an anonymized and aggregated form and may not require the consent of the user. The information that our first-party cookies or third-party cookies recognize, collect, and/or track may include information about your devices, browsing actions, and patterns, such as among others, the type of computer you use, your internet service provider, your browser type, your location, your IP address, the date and time of your visit, the pages viewed, your traffic pattern through the Site. Upon your first visit to the Site (and periodically after that), we will request your consent to our use of cookies except for those strictly necessary. WHAT COOKIES WE USE We use the following categories of cookies on the Site: Strictly Necessary Cookies These cookies are essential to enable you to browse the Site and use its features. We use cookies to save your sessions, your login details, and other information necessary to perform your requests, and to carry out other activities that are strictly necessary for the operation of this Site, for example in relation to the distribution of traffic. We use cookies to save browsing preferences and to optimize your browsing experience. Analytics Cookies These cookies collect information about your use of the Site, such as browsing actions, and patterns, the date and time of your visit, the pages viewed, and your traffic pattern through the Site. Through the collection of this information, we are able to monitor and analyze web traffic to the Site. User behaviors may be recognized, collected, and/or tracked. Google Analytics We use Google Analytics to monitor and analyze web traffic to the Site. Google utilizes the data recognized, collected, and/or tracked on the Site to prepare reports on traffic activities. This integration of Google Analytics anonymizes your IP address. Google may use the information recognized, collected, and/or tracked to personalize the ads of its advertising network and may share the information recognized, collected, and/or tracked with other services. Our website uses Google Analytics, Google AdSense, and various affiliate programs to enhance your experience and our services. These third-party services may collect, use, and share your data in accordance with their own privacy policies. It's important to understand the details of these services: Google Analytics: This is a tool provided by Google that helps website owners measure how users interact with website content. It provides valuable insights that can help us improve the user experience on our site. Google Analytics works by collecting information about where users come from, how long they stay on the site, what pages they visit, what type of device they're using, and more. This information is collected via a JavaScript tag in the pages of our site. All data is anonymized and cannot be used to identify individuals. For more information on Google's privacy practices, please see Google's privacy policy. Google AdSense: Google AdSense is an advertising service provided by Google. It uses cookies to serve ads based on a user's previous visits to our website or other websites. Google's use of advertising cookies enables it and its partners to serve ads to our users based on their visit to our sites and/or other sites on the Internet. Users may opt out of personalized advertising by visiting Google's Ads Settings. Affiliate Programs: We participate in various affiliate marketing programs, which means we get paid commissions on purchases made through our links to retailer sites. These programs use cookies to track visits for the purposes of assigning commission on these sales. It is important to note that third-party vendors, including Google, use cookies to serve ads based on a user's previous visits to our website or other websites. Please note that these third-party services operate independently from us and have their own privacy policies. We strongly encourage you to familiarize yourself with these policies. If you do not wish for these third-parties to collect and use information about your browsing behavior, you may opt-out through the settings of your browser or device, or through the applicable third-party opt-out services. Remember that while we strive to protect your personal information, we cannot guarantee or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the site. Please remember that your relationship with each third-party service is governed by the terms and conditions and privacy policy of that service. We encourage you to be aware when you leave our website and to read the privacy statements of each and every website that collects personal information. Security cookies These cookies are essential to our security features. These cookies allow us to detect malicious activities or activities in breach of our terms of use. Customization cookies These cookies allow the Site to save information and details such as your username to optimize your experience on the Site and provide personal features. Social media cookies and pixels These cookies allow you to share your activity on the Site on social media such as Facebook, LinkedIn, and Twitter, or other external platforms directly from the Site. Cookies may still be recognized, collected, and/or tracked on the pages where buttons, widgets, or other applications are installed, even when you do not actively use it. The interaction and information recognized, collected, and/or tracked through the Site are always subject to your privacy settings for each social network and external platform. You are encouraged to refer to the privacy policy of the relevant social network or external platform and to log out from the respective network or platform in order to make sure that the information collected on the Site is not tracked back to your profile. Facebook Like button and Facebook social widgets The Facebook Like button and Facebook social widgets are applications allowing interaction with the Facebook social network. Twitter Tweet button and Twitter social widgets The Twitter Tweet button and Twitter social widgets are applications allowing interaction with the Twitter social network. Social media pixels We reserve the right to use social media pixels. These pixels allow social media such as Facebook to track visitors to external websites in order to tailor their advertising activities to target users while browsing their social media network. For information regarding these pixels, you are encouraged to refer to the privacy policy of the relevant social network. Targeting or advertising cookies These cookies record your browsing actions and patterns on the Site, such as among others, the pages you have visited and the links you have followed. The information recognized, collected, and/or tracked by these cookies is used to make our Site and the advertising displayed by way of links or banners on the Site more relevant to your interests. For the same purpose, this information may also be shared with third parties. HOW TO CONTROL COOKIES In accordance with our Privacy Policy and this Cookie Policy, you have the right to accept or reject cookies. Strictly necessary cookies may not be rejected since they are essential to enable you to browse the Site and use its features. Should you reject cookies, you will still be able to use the Site although certain features and functionalities may not be available to you and/or certain areas may be restricted. In addition to what it is indicated within this Cookie Policy, you can manage preferences for cookies directly from within your own browser and prevent – for example – third parties from installing cookies. Through browser preferences, it is also possible to delete cookies installed in the past, including the cookies that may have saved the initial consent for the installation of cookies by this Site. You can find information about how to manage cookies in the most commonly used browsers (e.g. Google Chrome, Mozilla Firefox, Apple Safari, and Microsoft Internet Explorer) on the website of the browser of choice. With regard to cookies installed by third parties, users can manage their preferences and withdrawal of their consent by clicking the related opt-out link (if provided), by using the means provided in the third party's privacy policy, or by contacting the third party. CONTACT US If you have any questions about this Cookie Policy, please contact us at please contact us at sparkingyourfireblog@gmail.com.

General Disclaimer The content provided on this blog is for informational purposes only and does not constitute professional financial, health, or legal advice. While I strive to provide accurate and up-to-date information, I make no guarantees about the completeness, reliability, or accuracy of this information. Any action you take based on the information found on this blog is strictly at your own risk. Professional Advice Disclaimer I am a licensed clinical social worker (LCSW). However, I am not a financial advisor, physician, or legal professional. The information and resources provided on this blog are intended to support your journey towards financial independence, better health, and happiness. They are not intended to assess, diagnose, or treat any health issues. They are also not intended to replace professional financial, health, or legal advice. For any financial, health, or legal issues, it is essential to seek the advice of qualified professionals. No Professional Relationship Reading or interacting with this blog does not establish a professional relationship. If you require specific advice or services, please consult with a licensed professional in the relevant field. Affiliate Disclaimer Some of the links on this blog may be affiliate links. This means that if you click on the link and purchase the item, I will receive an affiliate commission at no additional cost to you. I only recommend products or services that I believe will add value to my readers. All opinions expressed here are my own. Sponsored Content Disclaimer Occasionally, I may accept forms of cash advertising, sponsorship, paid insertions, or other forms of compensation. The compensation received may influence the advertising content, topics, or posts made in this blog. Such content, advertising space, or post will be clearly identified as paid or sponsored content. Testimonials Disclaimer Testimonials on this blog are individual experiences, reflecting real-life experiences of those who have used my services or products. However, they are individual results and results do vary. I do not claim that they are typical results that consumers will generally achieve. The testimonials are not necessarily representative of all of those who will use my services or products. Limitation of Liability By using this blog, you agree that in no event will I be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from the use of this blog. External Links This blog may contain links to external websites that are not provided or maintained by me. Please note that I do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites. Changes to This Disclaimer I reserve the right to update or change this disclaimer at any time. Any changes will be posted on this page. It is your responsibility to review this disclaimer periodically to ensure that you are aware of any changes. Contact Information If you have any questions regarding this disclaimer or the practices of this blog, please contact me at sparkingyourfireblog@gmail.com.

General Disclaimer The content provided on this blog is for informational purposes only and does not constitute professional financial, health, or legal advice. While I strive to provide accurate and up-to-date information, I make no guarantees about the completeness, reliability, or accuracy of this information. Any action you take based on the information found on this blog is strictly at your own risk. Professional Advice Disclaimer I am not a financial advisor, physician, or legal professional. I am a licensed clinical social worker (LCSW). While I occasionally post about health information and recommendations, the information and resources provided on this blog are intended solely for general informational purposes and personal development. They are not intended to replace professional advice. For any financial, health, or legal issues, it is essential to seek the advice of qualified professionals. Affiliate Disclosure Some of the links on this blog may be affiliate links. This means that if you click on the link and purchase the item, I will receive an affiliate commission at no additional cost to you. I only recommend products or services that I believe will add value to my readers. All opinions expressed here are my own. Sponsored Content Occasionally, I may accept forms of cash advertising, sponsorship, paid insertions, or other forms of compensation. The compensation received may influence the advertising content, topics, or posts made in this blog. Such content, advertising space, or post will be clearly identified as paid or sponsored content. Testimonials Disclaimer Testimonials on this blog are individual experiences, reflecting real-life experiences of those who have used my services or products. However, they are individual results and results do vary. I do not claim that they are typical results that consumers will generally achieve. The testimonials are not necessarily representative of all of those who will use my services or products. Limitation of Liability By using this blog, you agree that in no event will I be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from the use of this blog. External Links This blog may contain links to external websites that are not provided or maintained by me. Please note that I do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites. Changes to This Disclosure I reserve the right to update or change this disclosure at any time. Any changes will be posted on this page. It is your responsibility to review this disclosure periodically to ensure that you are aware of any changes. Contact Information If you have any questions regarding this disclosure or the practices of this blog, please contact me at sparkingyourfireblog@gmail.com.