Terms & Conditions
Effective Date: January 21, 2026
Welcome to my digital hub. By browsing this website or purchasing my products, you are agreeing to the following terms. These are designed to ensure our community remains a space of mutual respect and clarity.
1. The Scope of the Hub
This website provides inspirational content, lifestyle resources, and digital products (courses, templates, and guides). While I aim for the highest quality of information, all content is provided for personal, non-commercial use.
2. Intellectual Property
Everything you see hereā€”the articles, planners, templates, my audiobook courses, and my photographyā€”is the creative property of Ruth V Carpenter and Milk and Wood.
- You are welcome to: Use purchased templates for your personal growth and share links to my blog posts with friends.
- You may not: Redistribute, sell, or claim my digital products or website copy as your own. Letā€™s respect the "Curated Style" and hard work that goes into these creations.
3. Purchases & Digital Products
All transactions are handled through Kajabi
- Delivery: Once your purchase is complete, you will receive a digital link.
- Refunds: Due to the nature of digital products (which are accessible immediately upon purchase), all sales are final. However, if you have a technical issue or are deeply unhappy, please reach outā€”I value our connection and want to ensure you feel supported.
4. User Conduct
I encourage "lively conversations" and community engagement. However, I reserve the right to remove any comments or block users who engage in behavior that is disrespectful, discriminatory, or harmful to our community.
5. Limitation of Liability
I provide the tools and the "compass," but your journey is your own. I am not liable for any specific outcomes (or lack thereof) resulting from the use of my products or the information on this site.
6. Governing Law
As I am based in Switzerland, these terms are governed by Swiss Law. Any disputes will be handled in the courts of Zurich, Switzerland.
