Overview. This website is owned and controlled by Fearless Brown Girls® Incorporated, a North Carolina Nonprofit Corporation, located in Charlotte, North Carolina. The following represents the Terms and Conditions, which you must consent to in order to use this website. The Terms and Conditions and Privacy Policy constitutes the entire agreement between you and Fearless Brown Girls® Incorporated regarding your use of this website. Fearless Brown Girls® Incorporated may amend the Terms and Conditions and Privacy policy at any time. The parties are bound by the latest version of the agreement.

The purpose of this website is to communicate Fearless Brown Girls® Incorporated’s intent to serve as an educational and informative resource center, offering valuable content, programs, and opportunities designed to enhance financial literacy, confidence, and independence among young girls, specifically those from Black and Brown communities. Through engaging programs, informative articles, interactive workshops, and strategic partnerships, we aim to address the racial wealth gap, empower future financial leaders, and foster economic mobility within marginalized communities.

To access or use this website, you must be 18 years or older and have the power and authority to enter into these Terms and Conditions. If you are under the age of 18, you must get permission from a parent or legal guardian prior to using this website. By using our website, you acknowledge that your engagement with Fearless Brown Girls® and its content is aligned with our mission of promoting financial education, empowerment, and equity. We encourage all user to actively participate, learn, and contribute positively to the Fearless Brown Girls® community.

You may use www.fearlessbrowngirls.org for lawful purposes only. You shall not post or transmit through www.fearlessbrowngirls.org any material which violates or infringes the rights of others, or which is threatening, abusive, defamatory, libelous, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, contains injurious formulas, recipes, or instructions, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law.

SMS Communications
By providing your mobile phone number, you agree to receive SMS (text) messages from Fearless Brown Girls® for updates, event invitations, and opportunities related to our mission of financial literacy, empowerment, and economic mobility. Message and data rates may apply. You may opt out of receiving SMS messages at any time by replying "STOP" to any message or contacting us directly. For assistance, reply "HELP" or reach out to us at hello@fearlessbrowngirls.org. Your consent to receive text messages is not a condition of purchase or participation in our programs.

Refund policy.
At Fearless Brown Girls® Incorporated, we deeply value your support in empowering young girls with financial literacy, confidence, and independence. Donations made to the organization are non-refundable, but if you believe a donation was made in error or with fraudulent intent, please contact us for assistance. For event registrations, program fees, and membership payments, we offer refunds within specified periods as detailed in the respective event or program descriptions. Requests for refunds within these periods will be accommodated promptly. However, once these specified refund periods have passed, fees are considered non-refundable. Please reach out to us with any questions or concerns; we're here to assist you. Fearless Brown Girls® Incorporated may make exceptions to this policy under exceptional circumstances or to comply with relevant laws and regulations. Any policy changes will be communicated through our website and direct outreach to our supporters. Additionally, you agree that any dispute or legal claims concerning Fearless Brown Girls® Incorporated will be resolved through negotiation or mediation prior to legal action. If legal action is required at any time in order to resolve a dispute, You agree to reimburse Fearless Brown Girls® Incorporated for the costs of such action, including reasonable attorney fees.

Intellectual property.
Fearless Brown Girls® Incorporated is the sole and exclusive owner of all content on this website, including all information, documents, photographs, graphics, and other materials available through this website and all services operated by Fearless Brown Girls® Incorporated and third parties through this website. These materials are protected by copyright law and trademark law, and you do not have permission to use the content on this website for any purpose including republication, distribution, assignment, sublicense, sale, preparation of derivative works, or other use. You agree not to copy materials on the site, reverse engineer or break into the site, or use materials, products or services in violation of any law. If you are in violation, Fearless Brown Girls® Incorporated can terminate your use of this website at any time and reserves the right to sue you.

DMCA Notice.
If you believe your work has been copied in a way that constitutes copyright infringement, or your intellectual property rights have otherwise been violated, please provide a notice containing the following information to our Copyright Agent:

(a) An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;

(b) A description of the copyrighted work that you claim has been infringed;

(c) A description of where the material that you claim is infringing is located on the Site;

(d) Your address, telephone number, and e-mail address;

(e) A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and

(f) A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Our Copyright Agent for Notice of claims of copyright infringement on the Site is Diana B Williams, who can be reached as follows:

By Mail: 3020 Prosperity Church Rd, Ste I #962, Charlotte, NC 28269

By Email: hello@fearlessbrowngirls.org

Termination.
Fearless Brown Girls® Incorporated may terminate this Agreement at any time, with or without notice, for any reason.

Limitation of Liability
Fearless Brown Girls® Incorporated is a nonprofit organization that strives to provide valuable resources and programs. Your use of our site and services is voluntary. The organization will not be liable for any direct, indirect, incidental, consequential, equitable, special, punitive, exemplary or any other damages resulting from your use of this website including but not limited to all the content, information, products, and services.

All information on this website is accurate and true to the best of Fearless Brown Girls®

Incorporated’s knowledge, but that there may be omissions, errors or mistakes. Fearless Brown Girls® Incorporated is not liable for any damages due to any errors or omissions on the website, delay or denial of any products, failure of performance of any kind, interruption in the operation and your use of the website, website attacks including computer virus, hacking of information, and any other system failures or misuse of information or products. Users are encouraged to exercise their judgment and take personal responsibility for any decisions or actions based on our content.

By participating in/reading this website/blog/emails, you accept that Fearless Brown Girls® Incorporated cannot guarantee the outcome of services and/or recommendations on the website/blog/email series. Fearless Brown Girls® Incorporated cannot make any guarantees other than to deliver our programs and services as described. We may provide links to third-party content, but we are not responsible for their content or actions. Our information is not a substitute for professional advice, and users should seek appropriate guidance. By using our services, you agree to
indemnify us and hold us harmless from any claims or liabilities arising from your use. Our liability is limited to the fullest extent permitted by law.

Jurisdiction
These Terms and Conditions are governed by and construed in accordance with United States federal law and the laws of the State of North Carolina. Any dispute arising out of or related to the information contained herein is subject to adjudication in the state of North Carolina, USA. For any questions or comments regarding these Terms and Conditions, contact hello@fearlessbrowngirls.org.

Entire Agreement
The Terms and Conditions constitutes the entire agreement between you and Fearless Brown Girls® Incorporated and governs the Terms and Conditions of your use of this website, and supersedes all prior or concurrent communications, whether electronic, oral or written, between you and Fearless Brown Girls® Incorporated with respect to this website. Despite the above mentioned, you may also be subject to additional Terms and Conditions, posted policies (including but not limited to the Privacy Policy), guidelines, or rules that may apply when you use this website. Fearless Brown Girls® Incorporated may revise these Terms and Conditions at any time. Accordingly, you should visit the website and review the Terms and Conditions periodically to determine if any changes have been made. Your continued use of this website after any changes have been made to the Terms and Conditions signifies and confirms your acceptance of any such changes or amendments to the Terms and Conditions.

Updated: October 26, 2024