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Website Terms & Conditions

All users of this site agree that access to and use of this site are subject to the following terms and conditions and other applicable law. If you do not agree to these terms and conditions, please do not use this site.


The content included on Joy Balma’s site including text, graphics, is copyrighted and is the property of Joy Balma Copyright 2018, ALL RIGHTS RESERVED. Use of the content on this website includes, but is not limited to the reproduction, distribution, display or transmission of the content of this site is strictly prohibited unless authorized by Joy Balma. When you purchase or access our Website or any of its Content, you agree that: You will not copy, duplicate or steal our Website or Content. You understand that doing anything with our Website/ content is contrary to these Terms and conditions and the limited license we are providing to you herein is considered theft, and we reserve our right to prosecute theft to the full extent of the law.

Limitation of Liability

The information provided in or through this Website is for educational and informational purposes only and solely as a self-help tool for your own use.  I agree and acknowledge that I am not a health care professional such as a doctor, nurse, or any other medical, mental or health professional. While I draw on my background, and my experience, you acknowledge that I am exclusively an entrepreneur, consultant and educator only. You agree and acknowledge that I am not providing medical advice, mental health advice or religious advice in any way.  Any education materials are not intended to diagnose, cure, treat, or prevent any disease. You are advised to do your own research and make decisions in partnership with your health care provider. You agree that I do not assume any liability for accidents, injuries, harm, loss, or damages due to your decisions, choices, or use of my products. You agree that I will not be liable to for any other form of damages.

Affiliates & Endorsements

Occasionally, I may promote or partner with an individual or business to market, share, sell products or services and I may receive financial compensation or other rewards for affiliation. When I pair with an affiliate you are still responsible for all possible risks involved and you agree you are using your own judgement. I am not liable for any business I may promote, share, market or sell on my website. On occasion I may reference links on the website to other individuals, opinions, businesses, products and or services. This information is only being shared and does not constitute my endorsement.


You hereby fully and completely agree to indemnify, defend, and hold harmless Joy Balma and release me and any of my agents, consultants, affiliates, joint venture partners, employees, shareholders, directors, staff, team members, or anyone otherwise affiliated with my business or me from any and all causes of action, allegations, suits, claims, damages, or demands whatsoever, in law or equity, that may arise in the past, present or future that is in any way related to my Website. This includes attorneys’ fees, resulting from any violation of these terms and conditions or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the site using your internet account.













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