Effective date: 12/08/2025
This Terms of Use, Privacy Policy, and Conditions statement (“Agreement”) governs your use of Income Talk Podcast and any related websites, apps, social media pages, services, and content operated by Talented Ink Holdings LLC (“Talented Ink,” “we,” “us,” or “our”). By accessing or using Income Talk Podcast or other Talented Ink services, you agree to this Agreement. If you do not agree, do not use our services.
1. Definitions
- “Services” means Income Talk Podcast episodes, web pages, apps, newsletters, social media content, events, and other offerings provided by Talented Ink.
- “User,” “you,” or “your” means any person accessing or using the Services.
- “Content” means audio, text, images, video, graphics, logos, and other materials published or distributed through the Services.
- “Personal Data” means information that identifies or can reasonably identify an individual.
2. Acceptance of Terms
- These Terms apply to all visitors, users, and others who access the Services.
- You confirm you are at least the age required by applicable law to use the Services or have parental/guardian consent.
3. Use of Services
- You agree to use the Services lawfully and not to: post or transmit illegal, harmful, defamatory, harassing, pornographic, or infringing material; interfere with or damage the Services; impersonate others; or circumvent security features.
- We may suspend or terminate access for violations or abuses at our discretion.
4. Content and Intellectual Property
- All Content provided by Talented Ink is owned or licensed by Talented Ink and protected by copyright, trademark, and other laws.
- Except as expressly authorized, you may not copy, reproduce, distribute, create derivative works, publicly display, or otherwise exploit Talented Ink Content for commercial purposes without prior written permission.
- Use of trademarks, logos, or brand elements of Income Talk Podcast or Talented Ink requires prior written consent.
5. User-Generated Content
- By submitting reviews, comments, questions, audio, or other materials to the Services, you grant Talented Ink a worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use, reproduce, distribute, adapt, modify, publish, and display such content in connection with the Services and promotion thereof.
- You represent and warrant you own or have rights to the content you submit and that submission does not violate third-party rights.
- We may remove, edit, or refuse to post user content for any reason.
6. Disclaimers
- Content on the Services is provided for informational and entertainment purposes only and is not professional, financial, legal, medical, or investment advice. Do not rely solely on podcast content for making financial or legal decisions.
- We do not guarantee accuracy, completeness, currency, or suitability of Content. Opinions expressed by hosts, guests, or third parties are their own.
- The Services may link to third-party sites; we do not endorse or control third-party content and are not responsible for it.
7. Limitation of Liability
- To the fullest extent permitted by law, Talented Ink, its affiliates, officers, employees, agents, and partners will not be liable for indirect, incidental, consequential, special, punitive, or exemplary damages, lost profits, lost data, or other damages arising from or related to use of the Services, even if we have been advised of the possibility of such damages.
- Our total aggregate liability for claims related to the Services will not exceed the amount you paid us in the prior 12 months (if any), or $50 if no payment was made.
8. Indemnification
- You agree to indemnify and hold harmless Talented Ink and its affiliates from any claims, liabilities, losses, damages, costs, or expenses (including reasonable attorneys’ fees) arising from your violation of this Agreement or your use of the Services.
9. Privacy Policy (Overview)
- This section summarizes how we collect, use, share, and protect Personal Data. For additional details, see “Your Rights” and “Contact” below.
A. Information We Collect
- Information you provide: name, email, payment details (if you purchase products or subscriptions), profile info, messages, and content you submit (comments, voice clips, etc.).
- Usage and device data: IP address, browser and device type, OS, referral pages, pages viewed, time spent, podcast listening metrics, and analytics collected automatically.
- Cookies and tracking: cookies, web beacons, and similar technologies to personalize experience and analytics.
- Third-party data: when you link or sign in via third-party services (e.g., social networks, podcast platforms), we may receive information from them governed by their policies.
B. How We Use Personal Data
- Provide, maintain, and improve the Services.
- Communicate with you (newsletters, updates, support).
- Process payments and fulfill purchases.
- Personalize content and recommendations.
- Analyze and measure audience engagement and performance.
- Detect and prevent fraud, abuse, and security incidents.
- Comply with legal obligations and enforce terms.
C. Legal Bases (where applicable)
- We process Personal Data based on consent, contract performance, legitimate interests (e.g., analytics, security, service improvement), and legal obligations.
D. Sharing and Disclosure
- Service providers and contractors (hosting, analytics, payment processors) under confidentiality obligations.
- Business transfers: in connection with mergers, acquisitions, or asset sales.
- Legal requirements: to comply with court orders, legal processes, or government requests, or to protect rights and safety.
- With your consent or at your direction.
E. International Transfers
- Personal Data may be processed and stored in the U.S. or other countries; we employ safeguards required by law where applicable.
F. Data Security and Retention
- We implement administrative, technical, and physical security measures to protect Personal Data. No system is fully secure; absolute security cannot be guaranteed.
- We retain Personal Data as needed for business purposes, legal obligations, and as described at collection. You can request deletion as outlined below.
G. Your Rights
- Depending on your jurisdiction, you may have rights to access, correct, port, restrict or object to processing, and request deletion of your Personal Data. To exercise rights, contact us as below. We may require verification and will respond per applicable law.
H. Children’s Privacy
- Services are not intended for children under the minimum age required by law. We do not knowingly collect Personal Data from children without parental consent. If you believe we have collected a child’s data, contact us to request deletion.
10. Cookies and Tracking Technologies
- We and our partners use cookies and similar technologies for functionality, analytics, personalization, and advertising. You can control cookie preferences via browser settings or provided preference tools where available.
11. Payments, Subscriptions, and Refunds
- If you subscribe or purchase paid content (e.g., premium episodes, merchandise), payment processing is handled by third-party processors. You agree to provide accurate payment information and authorize charges.
- Subscription terms, renewal, and cancellation policies will be disclosed at purchase. Refunds are handled per the purchase terms; contact support for issues.
12. Third-Party Services, Links, and Ads
- The Services may display third-party content, ads, or links. We are not responsible for third-party practices, accuracy, or content. Your interactions with third parties are solely between you and them.
13. Changes to the Agreement
- We may modify this Agreement at any time. Material changes will be posted with an updated effective date and, where required, notified to you. Continued use after changes constitutes acceptance.
14. Termination
- We may terminate or suspend your access for violation of this Agreement, inactivity, or for any lawful reason. Provisions that by their nature should survive termination (e.g., intellectual property, disclaimers, liability limitations, indemnity, data retention) will survive.
15. Governing Law and Dispute Resolution
- This Agreement is governed by the laws of the Wyoming in which Talented Ink Holdings LLC is organized in Wyoming. Disputes will be resolved in the state and federal courts located in that state, unless arbitration is elected where permitted. To the extent permitted by law, disputes must be brought within one year of the claim arising.
16. Changes to the Privacy Practices
- We may update our privacy practices to reflect business or legal changes. The “Effective date” at top indicates when the policy was last updated.
17. Contact and Data Requests
- For questions about these Terms, privacy, data access, correction, deletion requests, or other inquiries, contact:
Talented Ink Holdings LLC
Email: contact@talentedink.com (or the company’s designated privacy email)
Mailing address: 26 W Dry Creek Circle, Littleton, CO 80202
18. Miscellaneous
- Severability: If any provision is deemed invalid, the remainder remains effective.
- No waiver: Failure to enforce any right is not a waiver of that right.
- Assignment: We may assign rights and delegate duties; you may not assign without our consent.
