Privacy & Return/Refund Policies

Terry Culkin Technologies guarantee of services:

Terry Culkin Technologies’s services and products encompass information provided to educate, guide and a clients website and Technology.  We guarantee that clients who follow Terry Culkin technologies’s informational guidelines will be satisfied with our products and services. Any issues with products or services should be brought to our attention by contacting us.  Our return and refund policy are customized for each type of service & program:


A full refund of deposits and payments, less a 10% administrative fee, will be given until 7 days before an event.  If it is less than 7 days prior to the event, no refund is given. This includes live, in-person events and virtual events.  All money-back guarantee claims surrounding events will fall under the same policy as events.

Programs & Coaching

A full refund of deposits and payments, less a 10% administrative fee, will be given until 7 days before the program start date.  If it is less than 7 days prior to the program start date, no refund is given. This includes live, in-person events and virtual programs.  All money-back guarantee claims surrounding events will fall under the same policy as programs. No refunds will be given for sessions previously conducted.

Digital Downloads

There are no refunds for purchases of digital products. If you are having trouble downloading a product, please let us know.


Terry Culkin technologies does not guarantee the purchase of our informational products or services will change a clients income or save time. Terry Culkin Technologies will not be held accountable for individuals who do not follow our guidelines after purchasing our products or services. Clients assume full responsibility for their individual results. Clients will not hold Terry Culkin Technologies responsible or liable for any outcome resulting from purchase of our informational products or services.


WebSite Usage Policy

The use of this website is subject to the following terms of use:

  • The content of the pages of this website is for your general information and use only. It is subject to change without notice.
  • Neither Terry Culkin Technologies nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness, or suitability of the information and materials found or offered on this website for any particular purpose. The user of this site acknowledges that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
  • As a user of this site, your use of any information or materials on this website is entirely at your own risk, for which Terry Culkin Technologies shall not be liable. It shall be your own responsibility to ensure that any products, services, or information available through this website meet your specific requirements.
  • This website contains material which is owned by or licensed to Terry Culkin Technologies. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
  • All trademarks reproduced in this website, which are not the property of, or licensed to Terry Culkin Technologies, are acknowledged on the website.
  • Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offence.
  • From time to time, this website may also include links to other websites. These links are provided for the user’s convenience to provide further information. They do not signify that Terry Culkin Technologies endorses the website(s). We have no responsibility for the content of the linked website(s).
  • Terry Culkin Technologies uses Affiliate links for some content.  All paid links are services that Terry Culkin Technologies has used or has a direct partnership with the respected owners.  If you have questions and concerns on paid links and services contact us.
  • THe Users use of this website and any dispute arising out of such use of the website is subject to the laws of New Jersey and the United States.

Terry Culkin Technologies Privacy Policy

We adhere to all CAN-SPAM legislation. We will never send spam and we will never sell, share or giveaway your name or email address.  We are committed to ensuring your privacy is protected. Should we ask the user to provide certain information by which a user can be identified when using this website, it will only be used in accordance with this privacy statement.

What We Collect

We may collect the following information:

  • Name
  • Contact information including e-mail address
  • Demographic information such as postcode, preferences and interests
  • Other information relevant to customer surveys and/or offers

What We Do with the Information We Gather

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

  • Internal record keeping.
  • We may use the information to improve our products and services.
  • We may periodically send promotional e-mails about new products, special offers or other information, which we think a user may find interesting using the e-mail address, which was provided by the user.
  • From time to time, we may also use a user’s information to contact the user for market research purposes. We may contact a user by e-mail, phone, fax, or mail, dependent upon the information the user has provided. We may use the information to customize the website according to users’ interests.

Sharing of User Content on the Site
When users send us testimonials, stories, photos and/or other User Content, these materials may be posted on our Site. We will not return any materials, such as photographs, once they have been sent to us.

Opt in or Opt out
If you “opt in” to receive information from us or others, you can change your mind later. If, at any time, you would like to stop receiving such information or opt out of a feature, you may notify us here ( You should be aware, however, that it is not always possible to completely remove or modify information in our databases and servers, although we will always make reasonable efforts to do so upon your request, and we are unable to have your information removed from the records of any third-party who has been provided with your information in accordance with this policy.

Contact us

If you have any questions or concerns with any of our policies please feel free to contact us at