Terms of Service

Owner: Everything I Carried, Until I Didn’t . . . — operated by Margie Gallagher

1. Overview

These Terms of Service (“Terms”) govern your access to and use of the subscription‑based digital content offered under Everything I Carried, Until I Didn’t . . . (“I,” “me,” “my”). By subscribing, you agree to these Terms.

2. Subscription & Billing

• The subscription fee is $14.99 USD per month.
• Billing occurs automatically each month until you cancel.
• By subscribing, you authorize recurring charges to your chosen payment method.

3. Cancellation Policy

• You may cancel your subscription at any time.
• Cancellation stops future billing.
• You will retain access to subscriber‑only content until the end of your current billing cycle.

4. No Refunds

• All payments are final.
• Because digital content is delivered immediately and cannot be returned, I do not offer refunds, partial refunds, or credits.

5. Content Access & Intellectual Property

• All stories, writings, and materials shared through this subscription are the exclusive intellectual property of Everything I Carried, Until I Didn’t . . .
• Your subscription grants you personal, non‑transferable access.
• You may not copy, distribute, reproduce, or share subscriber‑only content without written permission.

6. Confidentiality & Professional Standards

I take privacy and professionalism seriously.
Your information is:

• kept confidential
• used only for subscription delivery and communication
• shared only when necessary for payment processing or required by law

I do not sell or trade your personal information.

7. Not Professional Advice

The content provided through this subscription is creative, expressive, and reflective. It is not legal, medical, financial, therapeutic, or professional advice.

8. Eligibility

You must be at least 18 years old to subscribe.

9. Modifications to Terms

I may update these Terms periodically.
Continued use of the subscription after changes are posted constitutes acceptance of the revised Terms.

10. Governing Law

These Terms are governed by the laws of the State of Connecticut, USA.
Subscribers worldwide agree that any disputes will be handled under Connecticut jurisdiction to the fullest extent permitted by local law.