TERMS & CONDITIONS
Last Updated: February 11, 2026
Welcome to StephanieGrunewald.com (the “Website”), operated by Ancorio LLC (“Company,” “we,” “us,” or “our”). Ancorio LLC operates under the brand name Stephanie Grunewald.
By accessing or using this Website, purchasing a product or service, or engaging with our content, you agree to be bound by these Terms & Conditions (“Terms”). If you do not agree, please discontinue use of the Website immediately.
1. Website Use
This Website and all content provided are intended for individuals 18 years of age or older. You agree to use this Website for lawful purposes only and not for any activity that could harm, disable, or impair the Website or interfere with others’ use of it.
2. Intellectual Property
All content on this Website — including text, graphics, logos, programs, videos, worksheets, course materials, and branding — is the property of Ancorio LLC and is protected by copyright and intellectual property laws.
Permitted Use: Access for personal, non-commercial use only.
Prohibited Use: Copying, republishing, distributing, modifying, sharing login credentials, or redistributing paid program materials. Unauthorized use may result in immediate termination of access and legal action.
3. Automatic Renewals & "Click-to-Cancel" Compliance
If you purchase a subscription or program that automatically renews:
Consent: You must provide unambiguously affirmative consent to recurring charges at the time of purchase.
One-Step Online Cancellation: In accordance with the FTC Negative Option Rule and 815 ILCS 601, Ancorio LLC provides a simple, one-step online cancellation mechanism. You may cancel your subscription at any time through your account portal or by emailing contact@ancorio.com. Cancellation will be at least as easy as the sign-up process and will not require interaction with a live representative if you signed up online.
Notice of Changes: We will provide clear and conspicuous notice of any material changes to renewal terms at least three (3) days prior to the change.
4. Payments, Refunds & Chargebacks
All payments are due at the time of purchase unless a payment plan is established.
Payment Plans: Failure to complete scheduled payments may result in suspension or termination of access.
Refunds: Unless otherwise stated on the specific sales page at the time of purchase, all sales of digital products and services are final.
Chargebacks: You agree to contact Ancorio LLC to resolve any billing disputes before initiating a chargeback. Unauthorized chargebacks may be referred to collections and result in legal remedies.
5. Earnings Disclaimer & Substantiation
Ancorio LLC provides educational content and business guidance. Following the FTC 2026 Earnings Claim Rule:
No Guarantees: We make no guarantees regarding income, client acquisition, or specific business results. Success depends on individual effort and market conditions.
Substantiation: Ancorio LLC maintains written substantiation for any earnings or success examples shared on this Website. Such data is available upon request in the language the claim was originally made.
6. Professional Disclaimer
All content on this Website is for informational and educational purposes only. Nothing on this Website constitutes legal, financial, medical, or therapeutic advice. The coaching relationship does not equate to a therapist-client or attorney-client relationship. Always consult licensed professionals for advice specific to your situation.
7. Consumer Reviews & Non-Disparagement
In accordance with the Consumer Review Fairness Act (CRFA) and Illinois consumer protections, nothing in these Terms prohibits you from making truthful, honest statements or reviews regarding your experience with our services. We welcome honest feedback but reserve the right to remove defamatory, illegal, or harassing content at our discretion.
8. Confidentiality (Group Programs)
If you participate in group coaching or community spaces, you agree to maintain the confidentiality of other participants. You acknowledge that group spaces are not therapy or legal environments and that while we encourage confidentiality, we cannot guarantee other participants’ compliance.
9. LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY LAW, ANCORIO LLC SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM: (I) YOUR USE OF THIS WEBSITE; (II) YOUR PARTICIPATION IN PROGRAMS OR SERVICES; (III) INABILITY TO ACCESS CONTENT; OR (IV) ERRORS OR OMISSIONS IN CONTENT. YOUR SOLE REMEDY FOR DISSATISFACTION IS TO DISCONTINUE USE OF THE WEBSITE AND SERVICES. THIS SECTION APPLIES EVEN IF ANCORIO LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
10. Indemnification
You agree to indemnify and hold harmless Ancorio LLC from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your misuse of the Website, your violation of these Terms, or your infringement of third-party rights.
11. Termination
We reserve the right to terminate or suspend access to the Website or services at any time for violations of these Terms. Termination does not relieve you of any outstanding payment obligations.
12. Governing Law & Venue
These Terms shall be governed by and interpreted in accordance with the laws of the State of Illinois, without regard to conflict of law principles. Any dispute arising under these Terms shall be resolved exclusively in the state or federal courts located in the county where Ancorio LLC maintains its principal place of business. This choice of venue is mandatory for all claims, including those involving Illinois consumer protection statutes.
13. Changes to These Terms
We may update these Terms periodically. The “Last Updated” date at the top of this page will reflect any changes. Your continued use of the Website after updates constitutes acceptance of the revised Terms.
14. Contact Information
If you have questions about these Terms, please contact Stephanie Grunewald at contact@ancorio.com.