You interact with our website at your own risk, and Owning My Own is not responsible for harm or damages that may result from your use or participation on the site. By accessing this site, you agree that:

  1. Any posts you leave will not contain language or material that is threatening, abusive, hateful, obscene, or racially or sexually offensive.
  2. You will not interfere with others’ use of the site.
  3. You will not post the same comment or message once.
  4. You will not violate any laws or legal rights of other users.
  5.  You will not extract, republish or redistribute the content on this site without express, written consent of Owning My Own.
  6. You won’t transmit any viruses or other harmful software via Owning My Own.




Anything you post, submit, share or send to the site constitutes Owning My Own User Content. This includes, but is not limited to, articles, videos, links, comments and photos. Owning My Own is a distributor of (not a publisher of) such User Content and is not responsible for opinions or views reflected in it.

Owning My Own will monitor the website but does not promise to review all User Content before it is ‘live.’ We do not endorse User Content or make any guarantees to its accuracy, integrity or quality. Owning My Own is not liable in any way for User Content, including but not limited to any errors or omissions or any loss or damage incurred as a result of the use or reliance on any User Content. That liability lies with the user who submitted the content.

Owning My Own is not responsible for the security or privacy of personal or identifying information users choose to share in their User Content. Anything a user posts to Owning My Own becomes public. Disclose information at your own risk.

Owning My Own retains the right to reject, modify or remove any User Content, without notice or liability, if we consider it to be in violation of the Terms of Use or harmful to the site.




Owning My Own does not claim ownership rights to User Submitted Content. Users own the content they post and have the right to grant us the licenses and rights below without violating the privacy rights, publicity rights, copyrights, contract rights, intellectual property rights or any other rights of any person.

After posting User Content to Owning My Own, you continue to have the same rights to that content that you had before you posted it to this site, and you can continue using it in any way you choose.

Whey you post any User Content on our through Owning My Own, you thereby give us a non-exclusive, royalty-free, transferable, sublicensable, worldwide license to use, display, reproduce, adapt, modify and distribute your User Content through any media now known or developed in the future.

As part of our non-exclusive license, you agree that other users of Owning My Own may re-post your User Content on our site or other websites, provided that such use is for non-commercial uses only.

Owning My Own needs these licenses in order to produce our site and related publications, including but not limited to social media and newsletters. If you remove your User Content from our site, the licenses granted here will terminate, except as to any User Content that we have sublicensed prior to your removal of your User Content.

To request the removal of User Content, please email and include a brief description of the item(s) you would like removed, along with the URL of the item(s) location on the site. We will endeavor to honor your request as quickly as possible.

We will do our best to ensure that the photographs used on our site or in any related publications include attribution of the photographer and the copyright holder.




Our trademarks and service marks, our trade names and designs are our property. Other content found on Owning My Own’s website, including by not limited to text, photos, videos, art, graphics and audio files, is our property and/or the property of its respective owners. Unless noted otherwise, you may access the content and trademarks for your personal, noncommercial use only. You will not acquire ownership rights by copying or downloading site content. Any unauthorized use of the content or marks may violate laws, including copyright and trademark laws.




Owning My Own may contain links to other sites, third-party sites, containing content, goods, services and applications not owned by Owning My Own. We do not control and are not responsible for the content on these sites. We do not endorse, take responsibility for, investigate, monitor or check these sites for accuracy, appropriateness or completeness. Owning My Own users will release us from any and all liability, direct or indirect, or for any loss or damage that is caused or allegedly caused in connection with your use of or reliance on any content found on third-party sites. Users will direct any concerns about third-party web content to that site’s administrator or webmaster.




Owning My Own respects the intellectual property rights of others and prohibits users from posting, sharing, transmitting or otherwise making available any materials that infringe upon another party’s intellectual property rights. In accordance with the Digital Millennium Copyright Act and other applicable law, Owning My Own will promptly remove or disable access to any material allegedly infringing on copyright once we receive notification of it. Owning My Own will terminate, at our discretion, the user accounts of members who are deemed to be repeat infringers. If you believe any material on the site infringes on copyright, please provide written notice to




The services, products and materials on Owning My Own’s website are provided “as is” and without warranties of any kind, either express or implied, including but not limited to warranties of title or implied warranties of merchantability or fitness for a particular purpose. Neither Owning My Own, nor any of our licensors or suppliers, warrant that any functions contained in this site will be uninterrupted or error-free, that defects will be corrected or that the site or the server that makes it available is free of viruses or other harmful components. Neither we, nor any of our respective licensors or suppliers, warrant or make any representations regarding the use or the results of the use of the services, products or materials in this site in terms of their correctness, accuracy, reliability or otherwise. The users (and not Owning My Own or any of our licensors or suppliers) assume the entire cost of all servicing, repair or correction of your system.




Under no circumstances will Owning My Own, or any of our licensors or suppliers, be liable for any indirect, special or consequential damages that result from the use of or the inability to use the materials on this site or any products or services provided pursuant to the site, even if advised of the possibility of such damages, and, if applicable law permits, even if due to our or our licensors’ or suppliers’ negligence. In no event shall the total liability to you by Owning My Own or any of our licensors or suppliers for all damages, losses and causes of action (whether in contract, tort or otherwise) exceed the amount paid by you to us, if any, for accessing the site.




Users agree to defend, indemnify and hold harmless Owning My Own and its directors, officers, agents, contractors, partners, assigns, successors-in-interest and its and their employees from and against any and all claims, damages, obligations, losses, liabilities, costs, debt and expenses (including by not limited to attorney’s fees) arising from or in connection with: (i) your use of the site in violation of these Terms of Use, (ii) any breach by you of these Terms of Use or any representation and warranty made by you herein, (iii) your User Content, (iv) your use of materials or features available on the site (except to the extent a claim is based upon infringement of a third-party right by materials created by Owning My Own), or (v) a violation by you of applicable law or any agreement or terms with a third party to which you are subject.




Owning My Own controls and operates the site from the United States. It does not represent that materials on the site are appropriate or available for use in other locations. Users who choose to access the site from other locations do so on their own initiative and are responsible for compliance with local laws where applicable.




Owning My Own is committed to protecting users’ privacy and security. This policy explains the site’s guidelines concerning the use and protection of your personal information, including policies regarding what information we gather, how we might use that information and whether we will disclose that information to anyone. By using Owning My Own, you agree to the terms of our Privacy Policy and our Terms of Use. From time to time, we may update this policy, so we encourage you to review it on a regular basis to stay informed about how we use personal information.




Owning My Own may request personally identifiable information (such as your name, street address, telephone number, credit card number, email address and/or any other identifier that permits the physical or online contacting of you). We only collect personal information from you if you voluntarily submit such information to us or our third-party vendors.

We will never intentionally disclose any personal information without permission. However, we may choose to release personal information to enforce our Terms of Use, manage our business, protect users or the general public, or to otherwise comply with legal obligations.

In the event of a corporate change or a sale of Owning My Own, we may share your personal information with another company.

Any User Content you leave on Owning My Own becomes public. We are not responsible for personal information you choose to include in your User Content. Although we strive to protect our users’ privacy, we cannot guarantee the security of information you post in these forums and have no control over how such third parties may use your information. You disclose such information at your own risk.

On occasion, we may collect personal identification information from you in connection with optional contests, special offers or promotions. Owning My Own will share such information with our partners, our affiliates and necessary third parties for the purpose of carrying out the contest, special offer or promotion. Your participation in the contest, special offer or promotion constitutes your consent to such disclosure and use of such information.



Like many websites, Owning My Own may use cookies or other technologies to improve users’ experience with the website. We or our third-party vendors may collect nonpersonal information through the use of these technologies. Nonpersonal information might include which browser you use, the type computer you use and technical information about your means of connection to Owning My Own, such as the operating systems and Internet service providers utilized and other similar information. Our systems may also automatically gather information about the areas of the website you visit and search terms you use and about the links you may select from without our site to other areas of the Internet.

Owning My Own may use such nonpersonal information for our business purposes and to administer the site, better manage advertising on the site and understand how our users use the services and resources Owning My Own provides.




Users will find advertising or other content on our site that includes links to other sites. Owning My Own does not control the content or links that appear on these sites. They may have their own privacy policies or none at all. Owning My Own encourages users to review the privacy policies of these sites before providing them with any personal information.

For more information on protecting your online privacy, please visit