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Payment Terms and Conditions of Use (TOS)

1. Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

2. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on website, owned by SWP Associates, Inc.’s, for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • modify or copy the materials;
  • use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  • attempt to decompile or reverse engineer any software contained on SWP Associates, Inc.’s ( web site;
  • remove any copyright or other proprietary notations from the materials; or
  • transfer the materials to another person or “mirror” the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by SWP Associates, Inc. at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
3. Disclaimer
The materials on SWP Associates, Inc.’s web sites (including are provided “as is”. SWP Associates, Inc. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, SWP Associates, Inc. does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations
In no event shall SWP Associates, Inc. or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on SWP Associates, Inc.’s Internet site, even if SWP Associates, Inc. or a SWP Associates, Inc. authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata
The materials appearing on SWP Associates, Inc.’s web site could include technical, typographical, or photographic errors. SWP Associates, Inc. does not warrant that any of the materials on its web site are accurate, complete, or current. SWP Associates, Inc. may make changes to the materials contained on its web site at any time without notice. SWP Associates, Inc. does not, however, make any commitment to update the materials.

6. Links
SWP Associates, Inc. has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by SWP Associates, Inc. of the site. Use of any such linked web site is at the user’s own risk.

7. Site Terms of Use Modifications
SWP Associates, Inc. may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law
Any claim relating to SWP Associates, Inc.’s web site shall be governed by the laws of the State of Texas without regard to its conflict of law provisions.

All purchases are non-refundable unless otherwise stated below.

 Sleighing the Holidays 100% Money Back Guarantee

At SWP Associates, Inc., we stand behind our programs and services. We want every client to be a satisfied client. Our Sleighing the Holidays program delivers steps to build a strong foundation to a happier, less stressful holiday season.

We provide a 14-day Money Back guarantee for the Sleighing the Holidays Program. You must meet the following conditions in order to be eligible for the refund:

Deadline to Apply for Refund.  You must submit your request to on or before 5 pm CST on the 14th day following your purchase. No Exceptions!

Completed Course Work. You must submit the completed coursework from the Sleighing the Holidays Survival Guide Workbook.  (20 page workbook) plus two completed weekly Goal Sheets before money will be refunded.

Please do not enroll in the Sleighing the Holidays program if you just want to check it out. This is for serious participants only.

If you have any questions regarding the privacy policy of or then you may contact us at or

Copyright SWP Associates, Inc. All Rights Reserved


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