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TERMS & CONDITIONS

Please read the following terms of use and disclaimer ("terms") before using this Web Site ("Site"). By using this Site, you agree to these terms. Body By Ruthie ("Body By Ruthie”) reserves the right to modify, alter or update these terms. This Site is controlled by Body By Ruthie Personal Training service from its location in Pasadena, MD, USA. It may be accessed from any other state as well as other countries. Because each of these places have laws that may differ from those of Maryland, by accessing this Site you agree that the laws of Maryland will apply to all matters arising out of the use of this Site. These terms represent the only agreement between us regarding the use of this Site for any purpose.

DISCLAIMER

The information provided by Body By Ruthie online personal training website is for educational and informational purposes only. It is not intended as medical advice. The information provided by Body By Ruthie should not be used to diagnose or treat any illness, disease, health problem, or metabolic disorder. Always consult your physician or health care provider before beginning any nutrition and/or exercise program. Use of the information, advice, and programs provided by Body By Ruthie is at the sole choice and risk of the reader.  
By submitting the online Consultation form or contacting myself (Ruthie Lucchesi) directly by email or phone with intent to receive consultation or in-personal training you acknowledge that:
·   You have been informed of the need for medical approval before joining in the fitness exercise and training program which Body By Ruthie will design for you.
·      You are voluntarily choosing to participate in a physical exercise program
·      You agree that any information, instruction or advice obtained from Body By Ruthie may NOT be used as a substitute for your doctor's advice or treatment.
·      You agree that any information, instruction or advice obtained from Body By Ruthie will be used at your own risk.
·      You agree to release and discharge Body By Ruthie and its owner from any and all responsibilities or liabilities from injury arising from your participation in any exercise program designed by Body By Ruthie on your behalf. This is a comprehensive limitation of liability that applies to all damages of any kind including (without limitation) compensatory, direct, indirect, or consequential damage, income or profit, loss of damage and claims of third parties.
 Testimonials appearing on this site reflect real life experiences of those who have followed strict guidelines provided by Body By Ruthie trainer. Results may vary.

COPYRIGHT

Unless otherwise noted in this Site, all content of the Site is the property of Body By Ruthie Copyright © 2009. All rights reserved. Portions of the Site may be electronically copied and hard copied for the sole purpose of educating you about Body By Ruthie website, its products or services, or for placing an order with Body By Ruthie. Any other use or copying, including reproduction for purposes other than noted above, modification, distribution or republication, without the express written consent of BodyByRuthie.com owner (Ruthie Lucchesi) is prohibited.

PRIVACY POLICY

All "personal information" is defined as any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains, such as a customer's name, address, telephone number, and e-mail address.

Body By Ruthie is dedicated to protecting personal information and will make every reasonable effort to handle collected information appropriately. All information collected, as well as related requests, will be handled as carefully and efficiently as possible in accordance with best standards for integrity. I will not sell, rent, loan or otherwise provide any of your personal information to any third-party entity without your permission. I do not control the privacy policies of any other sites or businesses, such as Facebook, to which I provide hyperlinks or access. Please visit the sites of these businesses to review their privacy policies.

Information submitted by minors should not be done without permission from their parents or guardians. Body By Ruthie recommends using the parents' or guardians' e-mail address for any submissions.

REFUND POLICY

Online Personal Training
There are no refunds for online personal trainings. Arrangements can be made such as freezing your online personal training until a more feasible time or transferring your online personal training to another person. No refunds on online personal training can be granted after a month after the purchase has been made.

QUESTIONS

If you have additional questions relating to how I use and protect your personal information, you may contact me through my contact form.