Privacy Statement

This Privacy Statement discloses the information privacy practices for United States Web sites operated by Transformational Enterprises, Inc. (TEI). TEI owns and operates www.maureenstgermain.com, a Maureen J. St. Germain web site. The TEI Web sites are intended for use by residents of the U.S. that are over 18 years of age. Residents of other countries using this Web site must abide by the laws of both the U.S. and their country of residence.

Information that we have about you is held strictly confidential.

It is not shared with any other organization or group or marketing/advertising organization or company. This includes information that can identify you as a specific individual, such as your name, phone number, or e-mail address. Although you are required to provide personal information in order to participate in seminars, travel and related offerings PERSONAL INFORMATION INFO is needed in order to process and fulfill travel requests, most areas of maureenstgermain.com can be accessed without providing any PERSONAL INFORMATION.

On all TEI pages that collect PERSONAL INFORMATION, we specifically describe what information is required in order to provide you with the product or service you have requested.

TEI collects PERSONAL INFORMATION when you:

- Inquire or register for a seminar
- Purchase travel
- Purchase products and related materials
- Sign up for our newsletters and other mailings
- Initiate contact with TEI

We understand that making purchases online involves a great deal of trust on your part; we take this trust very seriously, and make it our highest priority to ensure the security and confidentiality of the personally identifiable information ("PERSONAL INFORMATION INFO") you provide us. (PERSONAL INFORMATION INFO includes information that can be linked to a specific individual, such as name, address, phone number, or e-mail address.)

As a visitor to TEI web sites, you have the right to understand our information privacy practices prior to providing us with any of your personal information.

What information we collect:
TEI only collects PERSONAL INFORMATION that you voluntarily provide to us.

How we use your information:
TEI uses your PERSONAL INFORMATION only for the purpose of responding to and fulfilling your requests for TEI services, products and travel. You will also be added to our newsletter mailing list.

Who we share your information with:
TEI will only share your PERSONAL INFORMATION with our authorized service providers, and only as necessary in order to complete a transaction that you specifically request. TEI does not sell or rent your PERSONAL INFORMATION to anyone.

How we protect your information:
To ensure the confidentiality of your PERSONAL INFORMATION, TEI uses leading security technology and procedures provided by our hosting or shopping cart company.

By providing you with this Privacy Statement, TEI is pledging our continued commitment to protecting the information you provide us.

Traveler profile information:
TEI collects the full name and contact number for a traveler when a travel reservation is made. We may also collect information about each traveler's preferences, including meal requests, seat selection, etc.

When someone other than yourself is accompanying you on travel purchased through maureenstgermain.com, we may collect PERSONAL INFORMATION INFO and travel preferences about that individual. You should obtain the consent of other individuals prior to providing TEI with their full names, contact numbers, and travel preferences, as they will be unable to directly access our systems to view or change any information you provide on their behalf.

Purchase information:
TEI collects the billing address of the credit card that is used to purchase services or travel. We will also collect credit card information, including card number, card type, cardholder name, and expiration date, in order to bill you for purchases through maureenstgermain.com.

Contacting TEI:
TEI collects PERSONAL INFORMATION such as your full name, e-mail address, and/or contact number whenever you submit a question or suggestion, or request information or assistance.

Our partners:
TEI has partnered with reputable third parties to offer our customers and site visitors a variety of products and services. All travel services throughout TEI that are provided by a third-party partner are described as such. Although we only work with reputable third parties, our business partners may have different privacy policies and practices than TEI. We encourage you to review our business partners' privacy policies to further understand their procedures for collecting, using, and disclosing your information.

Use of Your Information

Information collected on TEI may be used to:

- Plan and purchase seminars, related items and travel
- Send e-mail notifications for special promotions
- Respond to your questions or suggestions
- Add you to our Newsletter and monthly Calendar mailing list
- Improve the quality of your visit to our site
- Travel planning and purchase

Information collected when you complete your traveler profile is used to confirm and process your travel reservation. In addition, information collected from you when you purchase travel is used to bill your credit card and deliver your travel itinerary, either electronically or through the mail.

Travel Alerts notification:
In the event your travel plans are disrupted because of mechanical, weather, or carrier business conditions, TEI may send you an e-mail notification to inform you of these conditions and help you make alternative travel arrangements.

Responses to your questions or suggestions:
We will use your e-mail address or telephone number to respond when you submit a question or suggestion, or request assistance.

Sharing your information:
TEI does not sell or rent your PERSONAL INFORMATION to anyone.

Service providers:
We only provide information about travel either reserved or purchased on TEI to third parties that provide services or functions on behalf of TEI. Our service providers need information about your traveler profile, as well as your credit card information, to process and confirm your travel reservation. These service providers will disclose information about your traveler profile to hotel, airline, cruise, and/or car rental suppliers whose products you have purchased. Like any other travel agent, this information must be shared with our travel suppliers to confirm your reservation and travel preferences. Although TEI offers travel products from hotel, airline, cruise, and car rental suppliers that are reputable companies, we have not placed limitations on these suppliers from using or disclosing your information without your permission. Therefore, we encourage you to review the information privacy practices of any travel suppliers whose products you purchase on TEI. In addition, these travel suppliers may also contact you as necessary to obtain additional information about your confirmed reservation.

In the event that you make a new, or update an existing, travel reservation by contacting us, your information may be accessed by a third-party service provider, as necessary, to respond to your request for customer service.

Our legal obligations:
TEI may be required by law to disclose information you have provided in obtaining our travel products or services. TEI may also disclose information against someone who poses a threat to TEI interests (such as customer fraud) or whose activities could bring harm to others.

Other Web sites:
There may be places throughout TEI that may link you to other Web sites that do not operate under TEI information privacy practices. When you click through to these Web sites, TEI information privacy practices no longer apply. We recommend that you examine the privacy statements for all third party Web sites to understand their procedures for collecting, using, and disclosing your information.

Communications from TEI

Members will receive communications from TEI when they:

- Inquire or purchase seminars and related products and materials
- Purchase travel - Sign up for our newsletter - Contact TEI with questions/suggestions

Request to remove from TEI mailing list:
When you send a remove request, we will delete your information from our database.

You can discontinue promotional e-mail services at any time by clicking the unsubscribe link in the mailing or by contacting TEI by email.

Request customer support or submit questions/suggestions:
When you request assistance with access to the TEI Web site, we will respond to you via e-mail or telephone.

Protecting your information:
We want our members and site visitors to feel confident about using TEI to plan and purchase seminars and related materials, so we are committed to protecting the information we collect. Currently, TEI stores the information you provide when registering to receive additional information on seminars, trips and related materials.

Changes to the TEI Privacy Statement:
This Privacy Statement was produced and posted by TEI November 12, 2001. TEI reserves the right to modify or amend this Privacy Statement at any time and for any reason. If there are material changes to this statement or in how TEI will use your PERSONAL INFORMATION, TEI will prominently post such changes prior to implementing the change.

Regardless of later updates, we will abide by the information privacy practices described in this Privacy Statement at the time you provided us with your information.

If you have questions about our Privacy Statement, please contact us.

Customer Agreement

AGREEMENT BETWEEN CUSTOMER AND TEI / maureenstgermain.com.

This Web site is offered to you, the customer, conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this Web site constitutes your agreement to all such terms, conditions, and notices.

PERSONAL AND NONCOMMERCIAL USE LIMITATION

This Web site is for your personal and noncommercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained from this Web site.

COPYRIGHT AND TRADEMARK NOTICES

All contents of this Web site are: Copyright Maureen J. St.Germain, 395 South End Ave. #27L, New York, NY 10280, and TEI © 2001-2014

LIABILITY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. TRANSFORMATIONAL ENTERPRISES, INC. AKA TEI, ITS AFFILIATES, AND/OR THEIR RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES ON THIS WEB SITE AT ANY TIME.

TEI - ITS AFFILIATES, AND/OR THEIR RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES CONTAINED ON THIS WEB SITE FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. MAUREEN, TEI, ITS AFFILIATES, AND/OR THEIR RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. IN NO EVENT SHALL MAUREEN ST. GERMAIN, TEI, ITS AFFILIATES, AND/OR THEIR RESPECTIVE SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, THE USE OF THIS WEB SITE OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF TEI, ITS AFFILIATES, AND/OR THEIR RESPECTIVE SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Web site, you warrant that you will not use this Web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices.

LINKS TO THIRD-PARTY SITES

This Web site may contain hyperlinks to Web sites operated by parties other than TEI. Such hyperlinks are provided for your reference only. TEI, does not control such Web sites and is not responsible for their contents. TEI's inclusion of hyperlinks to such Web sites does not imply any endorsement of the material on such Web sites or any association with their operators.

USE OF BULLETIN BOARD, CHAT ROOMS, AND OTHER COMMUNICATIONS FORUMS

This Web site may contain bulletin boards. If this Web site contains bulletin boards, chat rooms, or other message or communication facilities (collectively "Forums"), you agree to use the Forums only to send and receive messages and material that are proper and related to the particular Forum. By way of example, and not as a limitation, you agree that when using a Forum, you shall not do any of the following:

  • Defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
  • Publish, post, distribute, or disseminate any defamatory, infringing, obscene, indecent, or unlawful material or information.
  • Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy and publicity) unless you own or control the rights thereto or have received all necessary consents.
  • Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
  • Delete any author attributions, legal notices, or proprietary designations or labels in any file that is uploaded.
  • Falsify the origin or source of software or other material contained in a file that is uploaded.
  • Advertise or offer to sell any goods or services, or conduct or forward surveys, contests, or chain letters.
  • Download any file posted by another user of a Forum that you know, or reasonably should know, cannot be legally distributed in such manner.
  • You acknowledge that all Forums are public and not private communications. Further, you acknowledge that that, postings, conferences, and other communications by other users are not endorsed by Maureen St.Germain or its affiliates, and such communications shall not be considered reviewed, screened, or approved by TEI, or its affiliates. TEI reserves the right for any reason to remove, without notice, any contents of the Forums received from users, including, without limitation, bulletin board postings. TEI reserves the right to deny in its sole discretion any user access to this Web site or any portion thereof without notice.

SOFTWARE AVAILABLE ON THIS WEB SITE

Any software that is made available to download from this Website ("Software") is the copyrighted work of TEI, its affiliates, and/or their suppliers. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies, or is included with, the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.

For any Software not accompanied by a License Agreement, TEI hereby grants to you, the user, a personal, nontransferable license to use the Software for viewing and otherwise using this Website in accordance with these terms and conditions and for no other purpose.

Please note that all Software, including, without limitation, all HTML code and Active X controls contained on this Website, is owned by TEI, main, its affiliates, and/or their suppliers, and is protected by copyright laws and international treaty provisions. Any reproduction or redistribution of the Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. THE SOFTWARE IS WARRANTEED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE LICENSE AGREEMENT.

You acknowledge that the Software and any accompanying documentation and/or technical information are subject to applicable export control laws and regulations of the USA. You agree not to export or re-export the Software, directly or indirectly, to any countries that are subject to USA export restrictions.

DIGITAL AND ELECTRONIC PRODUCTS

DIGITAL PRODUCTS AND DOWNLOADS FROM THIS WEB SITE ARE GOVERNED BY THE SAME COPYRIGHT AND SOFTWARE RESTRICTIONS AS STATED ABOVE. TEI GRANTS TO YOU, THE PURCHASER, A SINGLE, NONTRANSFERABLE LICENSE TO USE THE DIGITAL PRODUCT FOR PERSONAL PURPOSES ONLY. REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED.

TEI does not offer refunds on digital products (i.e. MP3 downloads). If you have any problems with your download or the MP3 file, we will gladly replace it free of charge. For help with questions or problems with any digital product, please contact us.

PRODUCT FULFILLMENT

All product orders from the TEI Online Store are shipped by our fulfillment company, Source Books & Sacred Spaces. Please contact them directly for any problems with shipments.
Call Toll-free: 1 800 637 5222
or E-mail: cj33@sacredspaces.org

SERVICE HELP

For help with questions or problems with this Web site please please contact us.

MODIFICATION OF THESE TERMS AND CONDITIONS

TEI reserves the right to change the terms, conditions, and notices under which this Web site is offered.

GENERAL

This agreement is governed by the laws of the State of Washington, USA. You hereby consent to the exclusive jurisdiction and venue of courts in King County, Washington, USA, in all disputes arising out of or relating to the use of this Web site. Use of this Web site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including, without limitation, this paragraph.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and TEI, as a result of this agreement or use of this Web site.

TEI's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of TEI's right to comply with law enforcement requests or requirements relating to your use of this Web site or information provided to or gathered by TEI, with respect to such use.

If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

This agreement constitutes the entire agreement between the customer and TEI, with respect to this Web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the customer and TEI, with respect to this Web site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Fictitious names of companies, products, people, characters, and/or data mentioned herein are not intended to represent any real individual, company, product, or event.

Any rights not expressly granted herein are reserved.

USE OF TEI to plan travel

This Web site is provided solely to assist customers in locating seminars, and services and to make legitimate purchases or otherwise transact business with TEI or its suppliers, and for no other purposes. You warrant that you are at least 18 years of age and possess the legal authority to enter into this agreement and to use this Web site in accordance with all terms and conditions herein. You agree to be financially responsible for all of your use of this Web site (as well as for use of your account by others, including, without limitation, minors living with you). You agree to supervise all usage of this Web site by minors under your name or account. You also warrant that all information supplied by you or members of your household in using this Web site is true and accurate. Without limitation, any speculative, false, or fraudulent reservation or any reservation in anticipation of demand is prohibited. You agree that the travel services reservations facilities of this Web site shall be used only to make legitimate reservations or purchases for you or for another person for whom you are legally authorized to act. You understand that overuse or abuse of the travel services reservation facilities of this Web site may result in you being denied access to such facilities.

Separate terms and conditions will apply to your reservation and purchase of travel-related goods and services that you select. You agree to abide by the terms or conditions of purchase imposed by any supplier with whom you elect to deal, including, but not limited to, payment of all amounts when due and compliance with all rules and restrictions regarding availability of fares, products, or services. You shall be completely responsible for all charges, fees, duties, taxes, and assessments arising out of the use of this Web site.

Separate terms and conditions will apply to your reservation and purchase of travel-related goods and services that you or your Travel Arranger select. You agree to abide by the terms or conditions of purchase imposed by any supplier with whom you or your Travel Arrangers elect to deal, including, but not limited to, payment of all amounts when due and compliance with all rules and restrictions regarding availability of fares, products, or services. You shall be completely responsible for all charges, fees, duties, taxes, and assessments arising out of your use of this Web site, and, without limitation, you shall be responsible for all charges, fees, duties, taxes, and assessments arising out of transactions performed by your Travel Arrangers on your behalf, whether or not such uses were performed with your consent.

TEI and its providers make no warranties regarding acts of God or acts of war or terrorism. Trip insurance is strongly suggested for trips outside the continental USA. No refunds will be made in such instances.

Credit Card/Refund Policy

We're dedicated to protecting your credit card security.

Security:

Your credit card is protected whenever you make a purchase or reservation on maureenstgermain.com, operated by Transformational Enterprises, Inc. (TEI). If any unauthorized charges appear on your credit card statement within 2 months of your last TEI transaction, report this fraud to your credit card provider and contact us immediately.

Most credit card companies cover all charges resulting from credit card fraud, or may limit your responsibility to $50, the maximum allowed under the Fair Credit Billing Act.

You must report the unauthorized charges to your credit card issuer as soon as you discover the charge and no later than 60 days after receiving your card statement. You should contact us promptly if you find you have any liability to your card issuer for these unauthorized charges.

Our site is secure. However, you don't have to send your credit card over the Internet.

Call us about keeping your credit card number on file. Once we store your number, you'll never have to send us sensitive credit card information again. Instead, you'll only need to use the last four digits of that credit card number to purchase seminars and related materials.

Refunds:

If TEI is notified 48 hours prior to the start time of a scheduled workshop/seminar in the continental USA that you are unable to attend the purchased seminar, due to any reason, your seminar purchase will be cheerfully refunded. A full refund will also be provided for purchases of TEI products and goods (excluding Digital Products and Downloads - see below) if we are notified within 30 days of purchase, provided the products or goods are returned in new condition. Refunds for third party products, goods and services purchased through TEI (i.e. certain CDs, oils and sprays) will be determined by the third party's refund policy. Any Sacred Journey purchases including those made through a third party provider (i.e. tours and travel) will be covered under the Journey Cancellations schedule (below). On major trips such as tours and seminars outside the continental USA, a non-refundable portion will be charged determined by when the cancellation occurs within certain published parameters (deadlines).

Digital Products and Downloads:

TEI does not offer refunds on digital products (i.e. MP3 downloads). If you have any problems with your download or the MP3 file, we will gladly replace it free of charge. For help with questions or problems with any digital product, please contact us.

Journey Cancellations:

Part of your deposit or registration fee may be refundable if you must cancel. Considerable administrative work is initiated when you register, including air and travel bookings, lodging space, and communication, planning and coordination with our tour company. We must also pay reservation forfeiture fees. The amount of your refund will be based on the date we receive notice of your cancellation.

  • If canceled more than 120 days prior to the departure date, 90% of total trip cost per person will be refunded
  • If canceled within 120 to 91 days prior to departure date, 80% of total trip cost per person will be refunded
  • If canceled within 90 to 66 days prior to departure date, 70% of total trip cost per person will be refunded
  • If canceled within 65 to 31 days prior to departure date, 50% of total trip cost per person will be refunded
  • If canceled within 30 days or less prior to departure date, no refund

Non-refundable deposits are excluded.

Workshop Cancellations:

Maureen has taken the "fear factor" out of this. If you need to cancel up to 48 hours before the workshop you get a full refund. Period. If you cancel within 48 hours of the workshop start time the fee will not be refunded; however, you may pay a $75 transfer fee and use it for another of the same class. This policy does not apply to any of our Sacred Journeys group tours including: Fourteen Magic Days in Egypt, Dolphin Swim in Hawaii, Mary Magdalene in France, Peru Journey and Tibet Journey.

For questions about this policy or credit card information, please contact us.