Last Updated: November 25, 2019
We at BIANCA LEA MORRA PHOTOGRAPHIC ARTIST LLC respect Your privacy. This
information You provide to Us when You access Our website, purchase Our goods or services,
or engage with Us on social media, as well as Your own rights to the information We collect.
changing the “last updated” date at the top of this Policy. Any changes become effective
immediately upon publication on Our website, and You waive specific notice of any changes to
the Policy by continuing to use and access Our site(s). We encourage You to review this Privacy
Policy periodically, when You use Our website for any purpose or engage with Us on social
INFORMATION THAT WE COLLECT
We collect a variety of information from You when You visit Our website, make purchases, or
consenting to Our collection of the data described below, to Our use of the data, to the
processing of this data, and to Our sharing of the data with third-party processors as needed for
Our legitimate business interests. The information We collect may include:
Personal Data is information that can be used to identify You specifically, including Your name,
shipping address, email address, telephone number, or demographic information like Your age,
gender, or hometown. You consent to giving Us this information by providing it to Us voluntarily
on Our website or any mobile application. You provide some of this information when You
register with or make purchases from Our website. You may also provide this information by
participating in various activities associated with Our site, including responding to blogs,
contacting Us with questions, or participating in group training. Your decision to disclose this
data is entirely voluntary. You are under no obligation to provide this information, but Your
refusal may prevent You from accessing certain benefits from Our website or from making
Derivative data is information that Our servers automatically collect about You when You access
Our website, such as Your IP address, browser type, the dates and times that You access Our
website, and the specific pages You view. If You are using a mobile application, Our servers
may collect information about Your device name and type, Your phone number, Your country of
origin, and other interactions with Our application. Derivative data may also include data
collected by third-party service providers, such as advertising and analytics providers, and may
include cookies, log data, or web beacons. Cookies are discussed more fully below. Derivative
data collected by third-party service providers generally does not identify a specific individual.
Financial data is data that is related to Your payment method, such as credit card or bank
transfer details. We collect financial data in order to allow You to purchase, order, return, or
exchange products or services from Our website and any related mobile apps. We store limited
financial data. Most financial data is transferred to Our payment processor, STRIPE, and You
SOCIAL NETWORKING DATA
We may access personal information from social networking sites and apps, including
Facebook, Instagram, Linkedin, Twitter, Snapchat, or other social networking sites or apps not
named specifically here, which may include Your name, Your social network username, location,
email address, age, gender, profile picture, and any other public information. If You do not want
Us to access this information, please go to the specific social networking site and change Your
MOBILE DEVICE DATA
If You use Our website via a mobile device or app, We may collect information about Your
mobile device, including device ID, model and manufacturer, and location information.
On occasion, You may give Us additional data in order to enter into a contest or giveaway or to
participate in a survey. You will be prompted for this information and it will be clear that You are
offering this kind of information in exchange for an entry into such a contest or giveaway.
HOW WE USE YOUR INFORMATION
Your information allows Us to offer You certain products and services, including the use of Our
website, to fulfill Our obligations to You, to customize Your interaction with Our company and
Our website, and to allow Us to suggest other products and services We think might interest
You. We generally store Your data and transmit it to a third party for processing. However, to the
extent We process Your data, We do so to serve Our legitimate business interests (such as
providing You with the opportunity to purchase Our goods or services and interact with Our
website or mobile app).
Specifically, We may use the information and data described above to:
1. Create and administer Your account; and
2. Deliver any products or services purchased by You to You; and
3. Correspond with You; and
4. Process payments or refunds; and
5. Contact You about new offerings that We think You will be interested in; and
6. Interact with You via social media; and
7. Send You a newsletter or other updates about Our company or website; and
8. Deliver targeted advertising; and
9. Request feedback from You; and
10. Notify You of updates to Our product and service offerings; and
11. Resolve disputes and troubleshoot any problems; and
12. Administer contests or giveaways; and
13. Generate a profile that is personalized to You, so that future interactions with Our
website will be more personal; and
14. Compile anonymous statistical data for Our own use or for a third party’s use; and
15. Assist law enforcement as necessary; and
16. Prevent fraudulent activity on Our website or mobile app; and
17. Analyze trends to improve Our website and offerings.
GROUNDS FOR USING AND PROCESSING YOUR DATA
The information We collect and store is used primarily to allow Us to offer goods and services
for sale. In addition, BIANCA LEA MORRA PHOTOGRAPHIC ARTIST LLC may collect, use,
and process Your information based on the following grounds:
LEGITIMATE BUSINESS INTERESTS
We may use and process Your data for Our legitimate business interests, which include, among
other things, communicating with You, improving Our goods or services, improving Our website,
and providing You with the information or products that You have requested.
Performance of a Contract: We may use and process Your information to enter into a contract
with You and to perform Our contractual obligations to You.
Consent: We may use Your data, or permit selected third parties to use Your data, based on
Your consent to Our use and sharing of that data. You may withdraw Your consent at any time,
but doing so may affect Your ability to use Our website or other offerings.
As required by law: We may also use or process Your data as required for Us to comply with
WHY WE DISCLOSE YOUR INFORMATION
We may share Your information with third parties in certain situations. In particular, We may
share Your data with third-party processors as needed to serve Our legitimate business
interests, which include administration of Our website, administration of Your account, entering
into contracts with You, communicating with You, taking orders for goods or services, delivering
Our goods and services, identifying trends, protecting the security of Our company and website,
and marketing additional goods and services to You. The legal basis for Our disclosure of Your
legitimate business interests.
The following are specific reasons why We may share Your information:
Third Party Processing: We may disclose Your information to third parties who assist Us with
various tasks, including payment processing, hosting services, email delivery, communications,
and customer service. We may not always disclose these third-party processors if not required
by law. We do not authorize them to use or disclose Your personal information except in
connection with providing Our company with their services.
By Law: We may share Your data as required by law or to respond to legal process, including a
subpoena, or as necessary to protect the rights, property, and safety of others. This includes
sharing information with other parties to prevent or address fraud and to avoid credit risks.
To Protect Our Company: We may use Your information to protect Our company, including to
investigate and remedy any violations of Our rights or policies. We may also disclose Your
information as reasonably necessary to acquire and maintain insurance coverage, manage
risks, obtain financial or legal advice, or to exercise or defend against legal claims.
Business Transfers: In the unlikely event Our company engages in a merger, acquisition,
bankruptcy proceedings, dissolution, reorganization, or similar transaction or proceeding, We
may transfer or share Your data as part of that proceeding. In such transitions, customer
information is one of the business assets that is acquired by a third party. You acknowledge that
such business transfers may occur and that Your personal information can continue to be
Advertisers: We may use third-party advertising companies to run and manage Our ads, such
as FACEBOOK to produce ads that appears when You visit Our website or mobile app. These
companies may use information about Your visit to Our website and other websites that are
contained in web cookies (as described below) to offer You personalized advertisements about
goods and services that might interest You. We cannot control the activities of such other
advertisers or web sites. You should consult the respective Privacy Policies of these third-party
advertisers for more detailed information on their practices as well as for instructions about how
to opt-out of certain practices.
Please note that, at this time, We do not recognize automated browser signals regarding
tracking systems, which may include “do not track” instructions.
Other Third Parties: We may share information with advertisers, Our investors, or other third
parties for the purpose of conducting general business analysis. If We do so, We will make
reasonable efforts to inform You if required by law.
Interaction With Others: If You interact with others on Our website or mobile app, such as
participating in a group chat or a group online course, other users may have access to some of
Your data, including Your name, profile picture, and Your history of interaction with Our website,
such as prior comments or posts.
Online Postings: When You post online, Your posts may be viewed by others, and We may
distribute Your comments outside the website.
External Links: Our website may include hyperlinks to other websites not controlled by Us. We
suggest You exercise caution when clicking on a hyperlink. Although We use reasonable care in
including a hyperlink on Our own web page, We do not regularly monitor the websites of these
third parties, are not responsible for any damage or consequences You suffer by using these
hyperlinks. We are not bound by the Privacy Policies of any third-party website that You access
by a hyperlink, nor are they bound by ours. We encourage You to read the Policies of those
third-party websites before interacting with them or making purchases. They may collect different
information and by different methods than We do.
Other Purposes: We may disclose Your personal data as necessary to comply with any legal
obligation or to protect Your interests, or the vital interests of others or Our company.
Log Files: Like many other websites, We make use of log files. These files merely log visitors to
the site – usually a standard procedure for hosting companies and a part of hosting services’
analytics. The information inside the log files includes internet protocol (IP) addresses, browser
type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the
number of clicks. This information is used to analyze trends, administer the site, track user’s
movement around the site, and gather demographic information. IP addresses and other such
information are not linked to any information that is personally identifiable.
determine if You are logged onto Our website, for personalization, for security, for targeted
advertising, or for analysis of the performance of Our website and services. For example,
cookies allow Us to recommend blog posts to You based on what You have read on Our site in
analyze general trends and use, and to customize Your interaction with Our website. This
information helps Us to understand the use of Our site and to improve Our website and service
We may use any or all of the following types of cookies:
Essential Cookies: These cookies help Us run Our website and improve Your experience with
Our website. These cookies may allow content to load more quickly or allow You to access
“members only” or repeat-users sections of Our website.
Functionality Cookies: These cookies allow Us to remember Your preferences from earlier
visits to Our website, including login information, so that You do not have to input the same
information multiple times.
Social Media Cookies: These cookies allow Us to record when You have engaged with a social
media tool while visiting Our website. For example, We may record that You have “liked” a
certain aspect of Our website. The social media application may also share data with Us that
You have allowed it to share. If You wish to change Your social media sharing settings, please
visit the privacy settings of the social media network.
Advertising Cookies: We may work with third-party advertising partners who collect
information about Your browsing habits on Our website in order to later display a relevant ad
about Our services when You are on a third-party site such as a social media platform. These
cookies may also allow Us to access Your location.
In addition, when You first encounter Our website, You will be asked to “consent to cookies.” If
You wish to disable cookies, You may do so through Your individual browser options. However,
this may affect Your ability to use or make purchases from Our website. More detailed
information about cookie management with specific web browsers can
be found at the browsers’ respective websites. More information about cookies can be found at
What Are Cookies? By continuing to use Our website and not disabling cookies on Your
In addition, We may use third-party software to post advertisements on Our website or mobile
application, to oversee marketing or email campaigns, or manage other company initiatives.
interest-based ads, visit the Network Advertising Initiative Opt-Out Tool or Digital Advertising
Alliance Opt-Out Tool.
Pixel Tags: We may use a pixel tag, which is a small graphic file that allows Us to monitor the
use of Our website and provide Us with information regarding Your interaction with the website.
These tags may collect the IP address from the device You are using, and the browser type.
Pixel tags are also used by Our third-party partners to collect information when You visit Our
website, and We may use this information to display targeted advertisements.
Email Confirmations: We may receive email confirmations when You open an email from Us.
This allows Us to determine if users are responding favorably to Our email communications and
to improve those communications.
Other Technologies: Other data technologies may be used that collect comparable information
for security, fraud detection, and similar purposes, to give Us information about Your use of Our
website, and to greater improve Our website and service offerings to You.
We may partner with third-party analytic companies, including GOOGLE ANALYTICS. The
(described above) or other tracking technologies to analyze visitors’ use of Our website or
mobile app to determine the popularity of the content, and better understand online activity. We
do not transfer personal information to these third-party vendors. However, in order to access
Our website, You must consent to the collection and use of Your information by these third-party
questions. If You do not want any information to be collected and used by tracking technologies,
visit the Network Advertising Initiative Opt-Out Tool or Digital Advertising Alliance Opt-Out Tool.
Google Analytics: You can opt-out of having Your activity on Our website made available to
Google Analytics by installing the Google Analytics opt-out browser add-on. This add-on
prevents Google Analytics from retrieving information about Your visits to Our website. For more
Twitter: You can opt-out of Twitter’s internet-based ads by visiting:
Facebook: You can opt-out of Facebook’s interest-based ads by visiting:
PROCESSING YOUR INFORMATION
For the most part, We do not process Your information in-house, but give it to third-party
processors for processing. For example, when PayPal takes Your payment information, they are
a third-party processor. They process Your payment and remit the funds to Us. So in many
instances, it will be necessary for Us to transmit Your information to a third-party processor, as
We do not have the capability to perform these functions. More detail on third-party processing
is detailed below.
However, We may, from time to time, process Your data internally. The legal basis for this
processing is both Your consent to the processing, Our need to conduct Our legitimate business
interests, and to comply with legal obligations. Our purposes in processing this information, if
We do, is to administer, maintain, and improve Our website and offerings, to enter into contracts
with You, to fulfill the terms of those contracts, to keep records of Our transactions and
interactions, to be able to provide You with goods and services, to comply with Our legal
obligations, to obtain professional advice, and to protect the rights and interests of Our
company, Our customers (including You), and any third parties. We may process the following
1. Data associated with Your account, such as Your name, address, email address, and
2. Data about Your usage of Our website, such as Your IP address, geographical
information, and how long You accessed Our website and what You viewed.
3. Data related to Your personal profile, such as Your name, address, profile picture,
interests and hobbies, or employment details.
4. Data that You provide Us in the course of using Our services.
5. Data that You post on Our website, such as comments or responses to blogs.
6. Data that You submit to Us when You make an inquiry regarding Our website or
7. Data related to Your transactions with Us, including Your purchase of Our goods or
services. This information may include contact details and payment information.
8. Data that You provide to Us when You subscribe to Our emails or newsletters, including
Your email address and contact information.
9. Data that You submit to Us via correspondence, such as when You email Us with
10. Any other data identified in this policy, for the purpose of complying with Our legal
obligations, or to protect the vital interests of You or any other natural person.
Our website is hosted by servers located in UNITED STATES. Therefore, if You reside outside
UNITED STATES, some of Your data will be transferred internationally to and stored on those
servers. In addition, We may use third-party processors (including payment processors) and
subcontractors located in UNITED STATES. We use all reasonable methods to protect the
safety of Your data during transfer, including hosting Our website on reputable servers and
engaging reputable third-party processors. By using this site and providing Us with information,
You consent to this transfer, processing, and storage of Your information in UNITED STATES.
Note that the privacy laws in UNITED STATES may not be as strict as those in other countries.
Please be aware that:
● We may transfer data that We collect to locations outside of Our headquarters for
processing or storing, and the data may be processed by Our staff or by third-party
processors. For example, We may engage third parties to fulfill orders. By submitting
Your personal data, You agree to this transfer, storing, and processing. We take all
reasonable steps to make sure Your data is treated securely and in conformity with this
● Data that is provided to Us is stored on secure servers. Payment information and other
sensitive data will be encrypted to ensure its safety.
● The transmission of data via the internet is never completely secure, and We cannot
guarantee the security of data that is sent to Us electronically. Your transmission of data
to Us is at Your own risk.
● Where data that You have transmitted to Us is password protected, You are responsible
for keeping the password confidential. You are exclusively responsible for any breaches
of Your data that results from Your own disclosure of or failure to protect Your password.
We use website hosting servers/third-party
processors/subcontractors located in USA, UK, Netherlands, DE, AU, SingaporE, which has
received an Adequacy Determination from the European Commission, meaning that the
European Commission has determined that appropriate safeguards are in place to protect data
once it is transferred to that country.
Customer data outside the U.S. may be transferred to Our website servers and/or third-party
processors or subcontractors that are located in the U.S. We use
SITEGROUND, which actively participate(s) in the U.S. Privacy Shield framework. The E.U. has
determined that companies participating in the U.S. Privacy Shield have adequate safeguards in
place to protect customer data.
We retain personal data as long as it is needed to conduct Our legitimate business purposes or
to comply with Our legal obligations, or until You ask Us to delete Your data. For example, We
will retain certain personal information indefinitely for the purposes of maintaining Your account,
unless and until You delete Your account. Data that We gather for a specific and particular
purpose, such as assisting law enforcement or analyzing trends, will be kept for no longer than
is necessary for that particular purpose. Data that is no longer needed by Us for any of the
purposes listed above will be permanently deleted.
We will honor Your request to delete Your data, as described more fully below, unless We are
required by law to retain access to the data. However, note that We cannot control the retention
policies of third parties. If You wish to have any third parties, including those to whom We’ve
transmitted Your data, delete that data, You will need to contact those third parties directly. You
may request from Us a list of all third parties to whom We have transmitted Your data.
We may retain usage data (that is, data that is gathered by Our company or third-party analytics
companies for the purpose of analyzing the use of Our website) as needed for internal analysis
purposes. This type of data is usually retained for a shorter period of time than personal data,
unless the data is necessary to improve the security or functionality of Our website or offerings,
or We are legally obligated to retain the data for a longer period of time.
SECURITY OF YOUR INFORMATION
We take all reasonable steps to protect Your personal data and keep Your information secure.
We use recognized online secure payment systems and implement generally accepted
standards of security to protect against personal data loss or misuse. However, no security
measure is foolproof, and no method of data transmission can be guaranteed against
interception or misuse. We cannot guarantee complete security of any information You transmit
via the internet, around the world. We cannot prevent the use or misuse of Your data by other
We will notify You promptly of any known breach of Our security systems or Your data which
might expose You to serious risk.
This website or mobile app is not designed for use by children under age 16, and We do not
knowingly solicit personal data from anyone under age 16. If You are under age 16, do not
access or use Our website or related products or services. If You become aware that We have
collected data of anyone under the age of 16, please contact Us so that We may delete that
We request that You do not submit any sensitive data to Us, via public postings, email
correspondence with Us, or any other method, including social security number, health data,
genetic data, or information related to Your ethnic origin, religious beliefs, or criminal history. If
You do send Us this information, then by doing so You are consenting to Our use, storage, and
You have certain rights with respect to Your personal data, as outlined below. Note that We may
charge You a reasonable fee for actions that You ask Us to take with respect to Your data. In
addition, We reserve the right to request that You provide Us with evidence of Your identity
before We take any action with respect to the exercise of Your data rights. Further, Your rights
may be restricted or nullified to the extent they conflict with Our compelling business interests,
the public interest, or the law.
UPDATE ACCOUNT INFORMATION
You have the right to update or change any information You have provided to Us. To update or
delete Your information, please contact Us at HELLO@BIANCALEAMORRA.COM.
CONFIRM PERSONAL DATA AND ITS USE
You have the right to request that We confirm what data We hold about You, and for what
purposes. You also have the right to confirmation of whether We process Your data or deliver
Your data to third-party processors, and for what purposes. We will supply You with copies of
Your personal data unless doing so would affect the rights and freedoms of others.
Change Consent: You have the right to change Your consent to Our use of Your information. In
such cases, We may require You to delete Your account with Us, as described above, and You
may not have full access to Our website.
Request a Copy of Data: You have the right to request a digital copy of the data that We hold
about You. Your first request for a copy of Your personal data will be provided free of charge;
subsequent requests will incur a reasonable fee.
Transfer Your Data: You have the right to request that We gather and transfer Your data to
another controller, in a commonly used and machine readable format, unless doing so would
cause Us an undue burden.
Delete All Data: You have the right to request that We delete all data that We hold about You,
and We must delete such data without undue delay. There are exceptions to this right, such as
when keeping Your data is required by law, is necessary to exercise the right of freedom of
expression and information, is required for compliance with a legal obligation, or is necessary
for the exercise or defense of legal claims. Such a request may result in a termination of Your
account with Us and You may have limited or no use of Our website.
Emails and Communications: You may opt out of receiving future email correspondence from
Us by checking the appropriate box when You register for the account or make a purchase. You
may change Your communication settings by contacting Us at
Marketing Communications: You may opt out of receiving any third-party marketing
communications or having Your personal information used for marketing purposes. You may do
this by contacting Us at HELLO@BIANCALEAMORRA.COM.
Processing: You may, in some circumstances, restrict the processing of Your data, such as
when You contest the accuracy of Your data or when You have objected to processing, pending
the verification of that objection. When processing has been restricted, We will continue to store
Your data but will not pass it on to third-party processors without Your consent, or as necessary
to comply with legal obligations or protect Your rights or those of others or Our company. In
addition, You may opt out of any processing of Your data altogether. Note, however that doing
so may result in the termination of Your account and loss of access to Our website.
Complaints: If You are an EU resident, You have the right to complain to a supervising authority
if You believe We are misusing Your data or have violated any of Your rights under this Privacy
Policy or applicable law. You may do so in the EU member state in which You reside or have
Your place of business or in which the alleged infringement took place. If You are located
outside the EU, You may have rights under privacy laws in the jurisdiction where You live.
CALIFORNIA PRIVACY RIGHTS
The State of California has established its own unique regulations that apply to California
As of its effective date of January 1, 2020 We are also compliant with the California Consumer
Privacy Act Of 2018, Cal. Civ. Code §§ 1798.100 Et Seq. (CCPA).
Any California resident may request, free of charge, the personal information We have collected
or stored about themselves or about a member of their household. For security purposes, We
reserve the right to ask for verification of Your identity and proof of your California residency at
the time of your request.
Any California resident has a right to request the personal data We have collected, or request
deletion of the personal data We have collected, including but not limited to:
● Any personally identifying information, such as a real name, alias(es), mailing or resident
address, IP address, email address, account name, biometrics, or any other data that
could uniquely identify a California resident; and
● Commercial information, including products or services purchased, obtained, or
considered, search history, interactions with Our website, or any other purchasing or
browsing history of Our site and/or offer(s); and
● Site comments made publicly or privately; and
● Geolocation data; and
● Professional or employment-related information; and
● Education information.
We reserve the right to collect any of the above data on California residents and their
We DO NOT plan on selling your data. Regardless, any California resident can email us at
HELLO@BIANCALEAMORRA.COM to explicitly request to opt-out of any such sale of data.
California residents also have the option to request a full deletion of their account and any data
We have collected and associated with them.
We agree to comply with any data request or deletion made pursuant to the CCPA in a
reasonable timeframe, during normal business hours and excluding holidays or Our
pre-scheduled time off.
We offer the opportunity for You to volunteer certain information to Us that is used for email and
marketing purposes. This information includes, but is not limited to, Your name and email. You
will have an opportunity to unsubscribe from any future communications via email, but We
reserve the right to maintain a database of past email subscribers. We reserve the right to use
this information as reasonably necessary in Our business and as provided by law. Your
information will be shared with reasonably necessary parties for the ordinary course of
conducting Our business, such as through Facebook ads or Google Pay Per Click marketing
We do not ever sell Your information to third parties.
TERMS AND CONDITIONS OF USE
Terms a nd C onditions o f U se f or BIANCA LEA MORRA PHOTOGRAPHIC ARTIST LLC
Last Updated on 4/6/22
NOTICE: These T erms a nd C onditions o f U se are le gally b inding. I t is Your responsibility to r ead
these T erms a nd C onditions o f U se c arefully prior t o p urchase, use, o r a ccess o f any o f O ur
products, i ncluding online courses.
This website is owned and operated by BIANCA LEA MORRA PHOTOGRAPHIC ARTIST
LLC, an OHIO company. Our principal place of business is located at 4076 erie street,
willoughby ohio 44094.
You must be at least sixteen years of age to use Our website. Use of this website is at Your own
risk. We host Our site on a reputable platform and take reasonable efforts to maintain and host
the site. However, We make no explicit representations or warranties as to the safety of Your
individual use of the website. The Terms and Conditions contained on this page are subject to
change at any time.
TERMS OF SITE & COURSE ACCESS AND PRODUCT PURCHASER AGREEMENT
All programs, products, and services are owned and provided by BIANCA LEA MORRA
PHOTOGRAPHIC ARTIST LLC (“Company” or “We” or “Us” or “Our”). The term “You” or “Your”
refers to any user or purchaser of said program(s), product(s) or service(s) (the “Offering”).
These Terms and Conditions of Use govern and define how You are allowed to use and access
Company’s Offering. We reserve the right to update and change these Terms and Conditions of
Use at any time, and will update them accordingly with the ‘date last updated’ at the top of this
You are legally bound to these Terms and Conditions of Use whether or not You have read
them. If You do not agree with any of Our Terms and Conditions of Use, please email Us at
email@example.com and We will make reasonable efforts to remove Your name, email,
and access to Our Offering and website(s).
YOUR PRODUCT OR COURSE USE AND CONSENT
When You purchased Our Offering, You were given a reasonable notice that these Terms and
Conditions of Use existed. By moving forward with Your purchase of the Offering and further
access of the Offering, You implicitly agreed and continue to agree to abide by these Terms and
Conditions of Use, as well as any disclaimers and privacy disclosures contained in these Terms
and Conditions of Use.
You agree You are at least 18 years old or of age in Your applicable jurisdiction to access the
Offering. Access of Our Offering and related materials by a minor is a violation of use, and We
reserve the right to terminate Your access if such an issue is discovered.
INTELLECTUAL PROPERTY NOTICE
All images, text, designs, graphics, trademarks, and service marks are owned by and property
of BIANCA LEA MORRA PHOTOGRAPHIC ARTIST LLC, or the properly attributed party. It is
a violation of federal law to use any
of Our intellectual property in whole or in part, and modification of any materials contained on
this site is illegal and may be prosecuted to the fullest extent permissible should We choose to
do so, including asking for financial penalties (damages) and/or an injunction forcing You to stop
using Our intellectual property immediately.
(1) You may NOT use Our intellectual property in any way, which includes republishing any text,
image, design, or other property on another website, or posting a quote or image from Our site
to any third-party website including social media. We have spent a great deal of time and money
building the intellectual property located on this site and in order to maintain the integrity of it,
We cannot allow any third party use.
ONLINE COURSE INTELLECTUAL PROPERTY
Any and all materials, paid or free, that You access on this or any related domains that contain
Our Offering are under the sole ownership or licensed use of BIANCA LEA MORRA
PHOTOGRAPHIC ARTIST LLC
To be clear, We own Our page layout and design, overall look and appearance, individual
graphics, icons, videos, logos, taglines, and trademarks (common law or federally registered).
You are not allowed to reproduce any part of Our website(s), program(s), product(s), service
materials, or related communications.
You are only receiving a limited, non-transferable, non-exclusive, revocable license for
non-commercial use only in order to access any content or materials in the Offering You have
paid for or opted to receive. If You exceed the scope of this license, as determined by a legal
authority such as a court of law or the Trademark Trials and Appeals Board, You have
committed infringement in a manner that materially harms Us, and We have the right to seek
damages and/or an injunction to remedy the situation until We are made whole.
You ● m ayA:ccess the Offering for Your personal use (if additional members of Your team need to
access the Offering, You must purchase additional Offerings at one per each team
● Download and/or print any Offering materials for Your personal use in Your business (if
additional members of Your team need to download and/or print any materials from the
Offering, You must purchase additional Offerings at one per each team member).
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marking, namely, citing © BIANCA LEA MORRA PHOTOGRAPHIC ARTIST LLC as
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communications as Your own, otherwise known as stealing.
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which includes (but is not limited to): copyrights such as course materials, worksheets,
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(and its related communications and materials).
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REQUEST FOR PERMISSION TO USE CONTENT
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Even though Our Offering is not necessarily something You can physically hold in Your hand
and walk away with, it is nevertheless considered theft to steal, infringe, or otherwise violate
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YOUR MATERIALS AND CONTRIBUTIONS
By submitting a comment, photo, video, or other material(s) onto any website or platform owned
or maintained by Us, including but not limited to third-party access sites, such as Our Facebook
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NOTIFICATION OF USE
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SECURITY AND ASSUMPTION OF RISK
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You have no right to confidentiality unless otherwise explicitly stated, such as in a subsequent
client agreement, or otherwise implicitly agreed upon as mandated by law or fiduciary duty.
ASSUMPTION OF RISK
By accessing Our Offering and/or related materials, whether paid or unpaid, You assume all the
risk of Your access and any subsequent actions You choose to take as a result of the influence,
information, or educational materials provided to You.
Any communications made through Our ‘contact’, blog, blog comments, newsletter sign up, or
other related pages, or directly to Our phones or mailing or email addresses is not held
privileged or confidential and is subject to viewing and distribution by third parties. We own any
and all communications displayed on Our website, servers, comments, emails, or other media as
allowed by United States law, and will not give credit or pay royalties for unsolicited usergenerated
content such as blog comments or emails. For more information on when and how
We store and use Your communications or any data provided by You in those communications,
We maintain a right to republish any submission in whole or in part as reasonably necessary in
the course of Our business. You agree not to submit any content or communications that could
be illegal or serve an unlawful purpose, including, but not limited to communications that are
potentially libelous or maliciously false, obscene, abusive, negligent, or otherwise harmful or
Our website and related materials are provided for educational and informational use only. You
agree to indemnify and hold harmless Our website and company for any direct or indirect loss or
conduct incurred as a result of Your use of Our website and any related communications,
including as a result of any consequences incurred from technological failures such as a
payment processor error(s) or system failure(s).
While We may reference certain results, outcomes or situations on this website, You understand
and acknowledge that We make no guarantee as to the accuracy of third-party statements
contained herein or the likelihood of success for You as a result of these statements or any
other statements anywhere on this website. If You have medical, legal, or financial questions,
You should consult a medical professional, lawyer, or CPA and/or CFP respectively. We
expressly disclaim any and all responsibility for any actions or omissions You choose to make
as a result of using this website, related materials, products, courses, or the materials contained
This website is updated on a regular basis and while We try to make accurate statements in a
timely and effective manner, We cannot guarantee that all materials and related media
contained herein are entirely accurate, complete, or up to date. You expressly acknowledge and
understand that any information or knowledge You gain as a result of using this website is used
at Your own risk. If You should see any errors or omissions and would like to let Us know, please
email Us at firstname.lastname@example.org.
You agree that You understand individual outcomes will vary. Case studies or testimonials are
not indicative of typical results. Each individual approaches Our Offering(s) with different
backgrounds, disposable income levels, motivation, and other factors that are outside of Our
control. Therefore, We cannot guarantee Your success merely upon access or purchase of Our
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To the fullest extent permitted by law, We expressly exclude any liability for any direct, indirect,
or consequential loss or damage incurred by You or others in connection with Our Offering(s),
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death, lost profits, personal or business interruptions, misapplication of information, physical or
mental disease, condition or issue, physical, mental, emotional, or spiritual injury or harm, loss
of income or revenue, loss of business, loss of profits or contracts, anticipated savings, loss of
data, loss of goodwill, wasted time, and for any other loss or damage of any kind, however and
whether caused by negligence, breach of contract, or otherwise, even if foreseeable. We are not
medical, legal, financial, or other professionals, or if We are, during the course of this Offering
and related material(s), We are not offering Our professional services and You expressly agree
We are not acting in any professional capacity, including medical, legal, financial, or otherwise
during the course of this Offering. This Offering is for educational and entertainment purposes
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THIRD PARTY DISCLAIMER
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conduct of any other participant or user, including You.
WE MAKE NO WARRANTIES AS TO OUR PROGRAMS, PRODUCTS, SERVICES, OR
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PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR
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WE DO NOT WARRANT THAT THE PROGRAMS, PRODUCTS, SERVICES, OR PROGRAM
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APPROPRIATE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY
PART OF THE WEBSITE, OR CONTENT ARE FREE OF VIRUSES OR OTHER HARMFUL
COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING
THE USE OR THE RESULTS OF THE USE OF OUR PROGRAM, PRODUCT, OR SERVICES
MATERIALS, OR ON THIRD-PARTY WEBSITES IN TERMS OF THEIR CORRECTNESS,
ACCURACY, TIMELINESS, RELIABILITY, OR OTHERWISE.
We make reasonable efforts to provide You with modern, reliable technology, software, and
platforms from which to access Our Offering(s) and related material(s). However, in the event of
a technological failure, You accept and acknowledge Our lack of responsibility for said failure,
and while We will make reasonable efforts to support You, some technological issues are far
outside Our control and will require You to access support from a third-party provider, such as
ERRORS AND OMISSIONS
We make no warranty or guarantee as to the accuracy, timeliness, performance, completeness,
or suitability of the information in Our Offering(s). We are not liable for any inaccuracies, errors,
or reliance on personal opinions contained in Our Offering(s) or related material(s).
INDEMNIFICATION, L IMITATION O F L IABILITY, A ND RELEASE O F C LAIMS
Y ou a gree at a ll times to indemnify and h old harmless Our Company, a s well as a ny o f O ur affiliates,
agents, contractors, officers, directors, shareholders, employees, j oint venture partners,
successors, transferees, assignees, and l icensees, as applicable, from and against any and all
claims, c auses o f a ction, damages, li abilities, costs, and e xpenses, in cluding le gal fees a nd
expenses, a rising o ut o f o r related t o O ur Offering(s) .
LIMITATION OF LIABILITY
W e w ill n ot b e h eld r esponsible o r li able in a ny w ay f or t he information, products, o r m aterials that
You r equest o r r eceive t hrough o r in r elation t o O ur Offering(s). W e d o not a ssume li ability f or a ny
third party conduct, accidents, delays, harm, or other detrimental or negative outcomes as a result
of Your a ccess o f O ur Offering(s) and r elated m aterial(s).
This site may use affiliate links to sell certain products or services. We disclaim any and all
liability as a result of Your purchase through one of these links. We will use reasonable efforts to
notify You when and where We have placed affiliate links in addition to this disclaimer located in
these Terms and Conditions. You accept express liability for any and all consequences or
benefits of clicking the affiliate links contained on this website or related communications.
If at any time We feel You have violated these Terms and Conditions, then We shall immediately
terminate Your use of Our website and any related communications as We deem appropriate. It
is within Our sole discretion to allow any user’s access of Our website, and We may revoke this
access at any time without notice, and if necessary, block Your IP address from further visits to
We take Your investment seriously, and We’d appreciate if You took Our investment of time and
resources into Your success seriously, too.
Due to the nature of the services and/or products provided, refunds will not be given unless
otherwise specified in writing.
[IF YOU CHARGE INTEREST ON UNPAID BALANCES AND/OR RESERVE THE RIGHT TO
SEND UNPAID BALANCES TO COLLECTIONS] [COMPANY NAME] reserves the right to
charge 1.5% interest per day upon any outstanding sum left unpaid on or after 14 calendar
days from due date.
$100 due March 1
$101.50 due March 15
$103.03 due March 16
Sent to Collections April 15
After 30 days of outstanding payment, BIANCA LEA MORRA PHOTOGRAPHIC ARTIST LLC
reserves the right to send You to collections, upon which You will owe the total amount of any
outstanding payments plus any collection costs including reasonable attorney’s fees.
COURSE PURCHASE REFUNDS
Within 8 days of Your initial purchase or payment of the Offering, We will refund You if You have
accessed all the Offering materials, provided Us with proof of completion, and agree to a 30-60
minute phone call to discuss why the Offering was not a good fit for You.
Y ou agree to make every attempt to file a refund prior to attempting a chargeback with Your
financial institution. In the event of a chargeback attempt, You expressly agree to forfeit any and
all of Our bonuses, affiliate bonuses, or other materials afforded to You in exchange for Your
original purchase of Our Offering. We reserve the right to present proof of Your access and
these Terms and Conditions of Use to the financial institution investigating the dispute.
If You have signed up for a payment plan, You hereby authorize Our continued access to Your
financial information stored by Our third-party financial processing company referenced in this
Agreement until Your payment plan is complete, as set forth in Your acceptance of the purchase
terms upon checkout.
REVOCATION OF ACCESS
You have the unilateral right to terminate Your use and access to any of Our Offering(s). Please
send an email to email@example.com to initiate this process. Termination will not
excuse You of further payment. Upon confirmation of Your termination, any and all outstanding
balances will become immediately due and payable. Any existing balance that remains after 14
days from the date of termination will be sent to a collections agency, and You agree to be
responsible for any additional charges, fees, or costs associated with such a collection effort,
including but not limited to reasonable attorney’s fees and court costs.
If You and Our Company cannot find a resolution to a dispute or potential claim by means of
good-faith negotiation, then You explicitly agree to make a reasonable attempt to resolve any
such dispute through Alternative Dispute Resolution or Mediation before filing a civil cause of
If You are found to be slandering, libeling, or otherwise disparaging Our Company, Offering(s),
or related materials at Our discretion, You will be immediately removed from the Offering(s) and
any related communications. We reserve the right to file a civil claim of action against You for
any such damaging actions You take that materially harm Our Company.
Before You register with Our website or make any purchases therefrom, You will be asked to
constitutes the entire agreement between site users and Our company relating to the use of this
LAW AND JURISDICTION
accordance with United States law. Any dispute arising out of or related to the information
contained herein is subject to adjudication in the state of OHIO, UNITED STATES.
By using Our website, You hereby consent to Our Terms and Conditions of Use and Privacy
If You require any more information or have any questions about Our Terms and Conditions of
ALL RIGHTS RESERVED
express written here, are reserved by Company.
unenforceable, all other provisions contained herein will remain in full force and effect.
CONTACT INFORMATION Email: HELLO@BIANCALEAMORRA.COM