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Terms and Conditions

Effective Date: July 17, 2026

Welcome to the Living Waters Enterprises, LLC website ("Website"). By accessing or using this Website, registering for trainings, purchasing products or services, subscribing to communications, or otherwise interacting with us, you agree to these Terms and Conditions.

If you do not agree to these Terms, please do not use this Website.

1. About Us

This Website is owned and operated by:

Living Waters Enterprises, LLC

Website:
https://livingwatersenterprises.net

Throughout these Terms, "Company," "we," "our," and "us" refer to Living Waters Enterprises, LLC.

2. Use of This Website

You agree to use this Website only for lawful purposes.

You may not:

  • Violate any federal, state, or local law

  • Attempt to gain unauthorized access to the Website

  • Upload malicious software or viruses

  • Interfere with Website security or functionality

  • Use automated software to scrape Website content

  • Copy or distribute Website content without permission

  • Misrepresent your identity

We reserve the right to suspend or terminate access to anyone who violates these Terms.

3. Educational Information

The information provided on this Website is intended for educational and informational purposes only.

Although we strive to provide accurate information regarding:

  • Social Security benefits

  • SSI

  • SSDI

  • Work incentives

  • Self-employment

  • PASS Plans

  • Vocational Rehabilitation

  • Business planning

  • Bookkeeping

  • Employment

laws, regulations, policies, and agency guidance change frequently.

Nothing on this Website should be interpreted as legal advice, tax advice, financial advice, or a guarantee of eligibility for any government benefit.

You are responsible for verifying how any information applies to your individual circumstances.

4. No Professional Relationship

Viewing this Website, downloading resources, attending free trainings, subscribing to email communications, or sending us a message does not create:

  • a client relationship

  • a counselor-client relationship

  • an attorney-client relationship

  • a fiduciary relationship

A professional service relationship exists only after both parties agree to provide services under an appropriate written agreement.

5. Benefits Disclaimer

Social Security rules are highly individualized.

Work incentives, benefit eligibility, overpayments, reporting requirements, Medicare, Medicaid, PASS Plans, and employment outcomes vary from person to person.

You should verify important decisions with:

  • Social Security Administration

  • WIPA

  • your Benefits Planner

  • your attorney

  • your tax professional

  • other qualified professionals

before making decisions that could affect your benefits.

Living Waters Enterprises, LLC is not responsible for benefit reductions, overpayments, eligibility determinations, or agency decisions resulting from reliance upon information presented on this Website.

6. Products and Services

We may offer:

  • Online courses

  • Live trainings

  • Recorded trainings

  • Digital downloads

  • eBooks

  • Infographics

  • Consulting

  • Benefits planning

  • Vocational services

  • Self-employment consulting

  • Business planning

  • Bookkeeping services

  • Website development

  • Other educational resources

Descriptions, pricing, availability, and features may change without notice.

We reserve the right to discontinue or modify any product or service at any time.

7. Digital Products

Unless otherwise stated:

  • Digital purchases are licensed for your personal use only.

  • Digital products may not be copied, shared, resold, redistributed, reproduced, uploaded, or published without written permission.

Purchasing a digital product does not transfer ownership of copyrights or intellectual property.

8. Training Registration

When registering for a live or recorded training, you agree that:

  • Registration does not guarantee future availability of similar events.

  • Event dates and times may change.

  • We may substitute presenters when necessary.

  • Trainings may be recorded.

  • We may cancel or reschedule events due to unforeseen circumstances.

When possible, registered participants will be notified of schedule changes.

9. Refund Policy

Unless otherwise stated at the time of purchase:

  • Digital products are non-refundable once access has been provided.

  • Downloadable materials are non-refundable.

  • Live training refunds are governed by the cancellation policy published with that event.

  • Consulting services are governed by individual service agreements.

Nothing in these Terms limits rights required under applicable consumer protection laws.

10. Payments

Payments may be processed through third-party payment providers.

We do not store complete payment card information.

You agree to provide accurate billing information and authorize charges for products or services you purchase.

11. Intellectual Property

All Website content is protected by copyright and other intellectual property laws.

This includes:

  • logos

  • graphics

  • infographics

  • eBooks

  • videos

  • worksheets

  • presentations

  • downloadable resources

  • written materials

  • training content

  • branding

  • designs

You may not reproduce, modify, distribute, sell, license, or publicly display our content without written permission.

12. User Content

If you submit comments, reviews, testimonials, questions, or other content, you grant Living Waters Enterprises, LLC a non-exclusive, royalty-free license to use, reproduce, display, and publish that content for business purposes unless otherwise agreed.

You remain responsible for the content you submit.

13. SMS Communications

By providing your mobile number and expressly consenting, you agree to receive SMS messages regarding:

  • appointments

  • consultations

  • registrations

  • trainings

  • services

  • requested information

  • account notifications

  • promotional communications, where separately authorized

Message frequency varies.

Message and data rates may apply.

Reply STOP to opt out.

Reply HELP for assistance.

Consent is not a condition of purchase.

Your mobile information will not be sold or shared with third parties or affiliates for their own marketing purposes.

14. Email Communications

By subscribing to our email list, registering for events, downloading resources, or requesting information, you agree to receive communications related to your requests.

Marketing emails include an unsubscribe option.

Administrative or transactional emails related to purchases, services, or registrations may continue even if marketing communications are discontinued.

15. Third-Party Services

This Website may link to or integrate with third-party services including:

  • Zoom

  • Skool

  • Mailchimp

  • Stripe

  • PayPal

  • Facebook

  • Google

  • YouTube

  • scheduling platforms

  • payment processors

We are not responsible for the content, privacy practices, security, or availability of third-party services.

Your use of those services is governed by their own terms and privacy policies.

16. Disclaimer of Warranties

This Website and all products and services are provided "as is" and "as available."

To the fullest extent permitted by law, Living Waters Enterprises, LLC disclaims all warranties, including implied warranties of:

  • merchantability

  • fitness for a particular purpose

  • non-infringement

  • uninterrupted availability

  • accuracy

  • completeness

We do not guarantee that the Website will always be available or free from errors.

17. Limitation of Liability

To the fullest extent permitted by law, Living Waters Enterprises, LLC shall not be liable for:

  • indirect damages

  • incidental damages

  • consequential damages

  • lost profits

  • lost data

  • business interruption

  • benefit reductions

  • government agency decisions

  • reliance on Website information

Our total liability relating to any product or service shall not exceed the amount paid for that product or service.

Nothing in these Terms limits liability where prohibited by law.

18. Indemnification

You agree to indemnify and hold harmless Living Waters Enterprises, LLC and its owners, employees, contractors, affiliates, and representatives from claims, liabilities, damages, expenses, or legal fees arising from:

  • your misuse of the Website

  • your violation of these Terms

  • your infringement of another person's rights

19. Privacy

Your use of this Website is also governed by our Privacy Policy.

Please review our Privacy Policy to understand how we collect, use, and protect your information.

20. Governing Law

These Terms shall be governed by and interpreted under the laws of the State of Tennessee, without regard to conflict of law principles.

Any legal action arising from these Terms shall be brought in the appropriate state or federal court located in Tennessee, unless applicable law requires otherwise.

21. Changes to These Terms

We may update these Terms and Conditions from time to time.

The revised version becomes effective upon posting to this Website.

Continued use of the Website constitutes acceptance of any revised Terms.

22. Contact Information

If you have questions regarding these Terms and Conditions, please contact:

Living Waters Enterprises, LLC

Website: https://livingwatersenterprises.net

Email: livingwatersconsultings@gmail.com

Phone: 503-999-7055

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