Terms & Conditions 

Last Updated: March 17, 2026

1. Acceptance of Terms

By accessing or using JoyanneHowell.com (the "Website"), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the Website.

2. Services

Joyanne Howell provides services as described on the Website. We reserve the right to modify, suspend, or discontinue any service at any time without notice.

3. Intellectual Property

All content on this Website — including text, graphics, logos, and images — is the property of Joyanne Howell and protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or use any content without prior written permission.

4. User Conduct

When using this Website, you agree not to:

• Violate any applicable laws or regulations.

• Infringe upon the rights of others.

• Transmit harmful, offensive, or disruptive content.

• Attempt to gain unauthorized access to any part of the Website.

5. Payment & Refunds

Payment terms for services are outlined in individual service agreements or invoices. All fees are in Canadian dollars (CAD) unless otherwise stated. Refund eligibility is determined on a case-by-case basis and will be communicated at the time of purchase.

6. Disclaimer of Warranties

The Website and its content are provided "as is" without warranties of any kind, express or implied. Joyanne Howell does not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.

7. Limitation of Liability

To the fullest extent permitted by law, Joyanne Howell shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Website or services, even if advised of the possibility of such damages.

8. Third-Party Links

The Website may contain links to third-party websites. These are provided for convenience only. Joyanne Howell has no control over, and assumes no responsibility for, the content or practices of any third-party sites.

9. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it at JoyanneHowell.com.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ontario.

11. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated effective date. Continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.

12. Contact

For questions about these Terms, please contact:

Joyanne Howell

Website: JoyanneHowell.com

Address: Ontario, Canada

Email: admin@joyannehowell.com