Effective as of March 13, 2026
Agreement Between User and My Own Ghostwriter, LLC
Welcome to My Own Ghostwriter. The My Own Ghostwriter website located at https://myownghostwriter.com/ and any related subdomains (the “Site”) is operated by My Own Ghostwriter, LLC (“Company,” “My Own Ghostwriter,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of the Site, including any purchases, subscriptions, or enrollment in any of our Offerings (defined below).
By accessing or using the Site, creating an account, or purchasing or enrolling in any Offering, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, do not use the Site or purchase any Offerings.
You represent that you are at least 18 years old or of legal age in your jurisdiction and are legally capable of forming a binding contract. We reserve the right to update these Terms at any time in our sole discretion. All changes are effective immediately upon posting to the Site. The “Effective as of” date above reflects the date of the most recent update. Your continued use of the Site after any changes constitutes acceptance of the updated Terms.
My Own Ghostwriter is a professional services and educational platform offering ghostwriting, editing, book coaching, online courses, self-paced writing programs, group coaching sessions, digital products, templates, worksheets, guides, live and virtual workshops, recorded content, and related resources and materials (collectively, “Offerings”). Certain Offerings are available for purchase or subscription through the Site’s online store. Certain Offerings may be provided at no charge. These Terms govern your use of the Site and your purchase, enrollment in, or access to any Offerings, whether paid or free.
Your use of the Site is subject to our Privacy Policy, available at https://myownghostwriter.com/privacy-policy. Please review the Privacy Policy, which describes our data collection and use practices.
By using the Site or communicating with us via email, you consent to receive electronic communications from us. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
We reserve the right to modify, suspend, or discontinue the Site or any Offering, in whole or in part, temporarily or permanently, with or without notice. We will not be liable if the Site or any Offering is unavailable at any time or for any period. We do not guarantee that the Site will be uninterrupted, secure, or error-free.
By clicking “Subscribe,” “Add to Cart,” “Purchase,” “Enroll,” or any similar button at checkout, you agree to these Terms, confirm that you have read and accept them, and acknowledge that your purchase is subject to the provisions of this section. This acceptance is in addition to your agreement to these Terms through your use of the Site.
All prices are listed in U.S. dollars unless otherwise stated. We reserve the right to change pricing, modify, or discontinue any Offering at any time without prior notice. Price changes will not affect orders already confirmed at checkout. Promotional, founding-member, beta, or discounted pricing is valid only during the stated promotional period and may be subject to additional conditions, including limited availability.
You agree to provide current, complete, and accurate billing and payment information for all purchases. All payments are processed through our third-party payment processor(s). By submitting payment, you authorize us (and our payment processor) to charge the payment method you provide for the total amount of your order, including any applicable taxes and fees.
Certain Offerings, including courses and programs, are sold on a subscription or installment basis. By enrolling in a subscription Offering, you authorize us to charge your payment method on a recurring basis at the intervals and amounts specified at checkout (e.g., monthly) until the subscription term is complete or you cancel in accordance with this section. You acknowledge and agree that:
All sales of digital products, courses, templates, and downloadable materials are final. No refunds will be issued once access to a digital Offering has been granted or a download has occurred. For live workshops, group coaching sessions, or events, cancellation and refund terms (if any) will be specified in the applicable Offering description or registration confirmation. If no specific refund terms are provided, the sale is final. We reserve the right to issue refunds or credits at our sole discretion on a case-by-case basis but are under no obligation to do so.
Certain Offerings may be provided at no charge (e.g., downloadable guides, templates, or resource libraries). Free Offerings are provided “as is” and are subject to the license restrictions in Section 6 and the disclaimers in these Terms. We may modify, limit access to, or discontinue any free Offering at any time without notice or liability.
You are responsible for all applicable sales, use, or other taxes associated with your purchase, except for taxes based on our net income. We may collect sales tax where required by law.
Subject to your compliance with these Terms and full payment of all applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Offering solely for your personal, individual use. This license applies to all Offerings, including courses, program materials, templates, worksheets, guides, recorded workshops, group coaching session content, and any other digital or educational content provided through the Site.
You may not:
All Offerings, including all content, materials, curricula, methodologies, frameworks, and intellectual property contained therein, are and remain the sole property of My Own Ghostwriter, LLC. Nothing in these Terms transfers any ownership interest to you. Your purchase or enrollment grants only the limited license described in this section.
Certain Offerings include live or group components (e.g., monthly group coaching calls). Scheduling of live sessions is at the Company’s discretion. Missed sessions are not individually refundable, and the Company is not obligated to provide make-up sessions or individual replacements for missed group sessions. Recordings of group sessions may be made available at the Company’s discretion but are not guaranteed.
We may revoke your license and suspend or terminate your access to any Offering immediately, without refund, if you breach any provision of these Terms, including the restrictions in Section 6.2. Upon termination, you must cease all use of the Offering and delete any downloaded copies in your possession.
If you initiate a chargeback or payment dispute with your bank, credit card company, or payment processor for any charge that was legitimately authorized under these Terms, we reserve the right to: (a) immediately suspend or terminate your access to all Offerings and your account; (b) pursue recovery of the disputed amount plus any fees, costs, or penalties imposed on us by the payment processor as a result of the chargeback; and (c) report the unpaid balance to a collections agency.
Notwithstanding the dispute resolution provisions in Section 16, any action by My Own Ghostwriter to collect unpaid amounts, recover chargebacks, enforce payment obligations, or seek emergency or injunctive relief to protect our intellectual property may be brought in any court of competent jurisdiction, including the state or federal courts located in Stearns County, Minnesota, without first submitting to mediation or arbitration. You consent to the jurisdiction and venue of such courts for these purposes.
Any amount not paid when due will accrue interest at the rate of 1.5% per month (18% per annum), or the maximum rate permitted by applicable law, whichever is lower. You agree to reimburse My Own Ghostwriter for all costs of collection, including reasonable attorneys’ fees and court costs, incurred in collecting any unpaid amounts.
If you create an account on the Site, you must treat your login credentials as confidential and may not disclose them to any third party. You are solely responsible for maintaining the security of your account and for all activities that occur under your account, whether authorized by you or not. You agree to notify us immediately of any unauthorized access to or use of your account. We will not be liable for any loss or damage arising from your failure to comply with these obligations.
All content on the Site, including text, graphics, logos, images, course materials, and software, is the property of My Own Ghostwriter, LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You are granted a non-exclusive, non-transferable, revocable license to access and use the Site strictly in accordance with these Terms. You may not modify, publish, transmit, reverse engineer, participate in the transfer or sale of, create derivative works from, or in any way exploit any Site content. You do not acquire any ownership rights in any Site content through your use of the Site. We do not grant you any licenses, express or implied, to our intellectual property except as expressly authorized by these Terms.
You agree not to use, or permit others to use, any automated means, including bots, scripts, crawlers, scrapers, data mining tools, or similar technologies, to access, retrieve, collect, copy, or monitor any portion of the Site or its content without our prior written consent. The use of artificial intelligence systems, machine learning models, or other automated tools to interact with, analyze, or extract data or content from the Site is strictly prohibited. This includes using such tools to reproduce or republish Site content, mimic user engagement, generate leads, reverse engineer the functionality of the Site, or perform large-scale data extraction. Any unauthorized automated activity constitutes a violation of these Terms and may result in immediate suspension or termination of your access. We reserve the right to pursue all available legal remedies, including injunctive relief and claims for damages and attorneys’ fees.
By submitting or posting any content to the Site, including comments, testimonials, text, images, videos, or project materials (“User Content”), you represent that you own or have the necessary rights to grant, and hereby do grant, My Own Ghostwriter a non-exclusive, royalty-free, perpetual, irrevocable, worldwide license to use, reproduce, adapt, publish, translate, create derivative works from, distribute, and display such content in any media now known or later developed. This license permits us to use your submissions for business purposes, including promotional and editorial use, unless you notify us in writing that such use is not permitted. You retain ownership of your intellectual property rights in your User Content, subject to this license.
You are solely responsible for your User Content and the consequences of posting or publishing it. User Content must comply with all applicable laws and must not: (i) infringe on any intellectual property or other rights of any person or entity; (ii) contain viruses or harmful code; (iii) interfere with the Site or connected networks; (iv) contain material that is defamatory, obscene, abusive, offensive, harassing, or otherwise objectionable; (v) promote discrimination, violence, or illegal activity; (vi) solicit personal information from anyone under 18; (vii) impersonate any person or entity; (viii) harvest contact information for unsolicited communications; or (ix) involve unauthorized commercial solicitation, spam, or pyramid schemes.
We reserve the right to remove or refuse to post any User Content for any reason. We may disclose your identity to any third party claiming your content violates their rights. You will indemnify and hold My Own Ghostwriter harmless from all damages, losses, and expenses (including reasonable attorneys’ fees) arising out of claims related to your User Content.
If you believe your work has been copied in a way that constitutes copyright infringement, please notify us at mattie.murrey@myownghostwriter.com with the following information, as required by the Digital Millennium Copyright Act of 1998:
The Site may contain links to third-party websites. We are not responsible for the content or privacy practices of those sites, and the inclusion of any link does not imply endorsement. Certain services available through the Site are delivered by third-party providers. By using any product, service, or functionality originating from the Site, you acknowledge that we may share information with third parties with whom we have a contractual relationship to provide such services, subject to our Privacy Policy.
We do not knowingly collect personal information from children under the age of 13. If you are under 18, you may use the Site only with the permission of a parent or guardian.
The Site is controlled and operated from the United States. If you access the Site from outside the United States, you are responsible for compliance with all local laws. You agree not to use the Site or its content in any manner prohibited by applicable laws, restrictions, or regulations.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.
Before initiating any formal dispute resolution proceeding, you agree to first contact us at mattie.murrey@myownghostwriter.com with a written description of your claim. We will attempt to resolve the dispute informally within thirty (30) days.
If the dispute is not resolved informally, either party may initiate non-binding mediation administered by a mutually agreed-upon mediator in Stearns County, Minnesota, or remotely via video conference. Each party shall bear its own costs of mediation, and the parties shall share equally the mediator’s fees. Mediation is a prerequisite to arbitration. Neither party may initiate arbitration until at least thirty (30) days after a mediation session has occurred or the other party has refused to participate in mediation.
If the dispute is not resolved through mediation, it shall be resolved exclusively through final and binding arbitration pursuant to the Federal Arbitration Act. The arbitration shall be conducted by a single, neutral arbitrator and administered by the American Arbitration Association (“AAA”) under its applicable Consumer Arbitration Rules, or by another arbitration organization mutually agreed upon by the parties. The arbitrator’s decision shall be final and binding, and judgment on the award may be entered in any court having jurisdiction.
YOU AND MY OWN GHOSTWRITER EACH AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, BOTH PARTIES WAIVE THE RIGHT TO A JURY TRIAL.
The following are not subject to the mediation and arbitration requirements: (a) actions by My Own Ghostwriter to collect unpaid amounts, recover chargebacks, or enforce payment obligations, as described in Section 7; (b) actions by either party seeking emergency or injunctive relief to protect intellectual property rights or prevent irreparable harm; and (c) claims within the jurisdiction of a small claims court.
To the extent permitted by law, the prevailing party in any arbitration, mediation, or legal action arising under these Terms shall be entitled to recover reasonable attorneys’ fees and costs.
This dispute resolution provision shall survive termination of these Terms.
These Terms shall be governed by and construed in accordance with the laws of the State of Minnesota, without regard to its conflict of laws principles. To the extent any dispute is not subject to the dispute resolution provisions in Section 16, or as otherwise provided in Section 7.2, any action shall be brought exclusively in the state or federal courts located in Stearns County, Minnesota, and you consent to the jurisdiction and venue of such courts.
Any cause of action or claim you may have arising out of or relating to these Terms, the Site, or any Offering must be commenced within one (1) year after the cause of action accrues. Otherwise, such cause of action or claim is permanently barred.
THE SITE AND ALL OFFERINGS, INCLUDING ALL INFORMATION, CONTENT, MATERIALS, COURSES, COACHING, SERVICES, SOFTWARE, PRODUCTS, AND FUNCTIONALITY MADE AVAILABLE TO YOU THROUGH OR IN CONNECTION WITH THE SITE, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
MY OWN GHOSTWRITER MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, OFFERINGS, OR PRODUCTS INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MY OWN GHOSTWRITER DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY OF DATA.
MY OWN GHOSTWRITER DOES NOT WARRANT THAT THE SITE, ITS SERVERS, OR EMAILS SENT FROM THE SITE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ACCESS TO THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE.
IN NO EVENT SHALL MY OWN GHOSTWRITER, ITS OWNER, AFFILIATES, CONTRACTORS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE SITE OR ANY OFFERING, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF MY OWN GHOSTWRITER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN ANY EVENT, MY OWN GHOSTWRITER’S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS, THE SITE, OR ANY OFFERING SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU ACTUALLY PAID TO MY OWN GHOSTWRITER IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).
SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS.
While we may reference certain results, outcomes, or situations on the Site or in connection with our Offerings, we make no guarantee as to the accuracy of third-party statements or the likelihood of success for you. Individual results and outcomes will vary. We do not guarantee that you will achieve any particular result from your access to, purchase of, or participation in any Offering. Any results displayed on the Site are not guaranteed or typical.
By accessing the Site, enrolling in any Offering, or using any materials or services provided by My Own Ghostwriter, whether paid or free, you assume all risk associated with your use and any actions you take as a result of the information, instruction, or materials provided.
We make reasonable efforts to provide reliable technology. However, in the event of a technological failure affecting the Site, course platform, or any Offering delivery, we are not responsible for such failure. Information on the Site may not be completely accurate, complete, or current, and we disclaim liability for errors or omissions.
You agree to indemnify, defend, and hold harmless My Own Ghostwriter, LLC, its owner, contractors, agents, and affiliates from and against all damages, losses, costs, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of or inability to use the Site or any Offering; (b) your User Content; (c) your violation of these Terms; (d) your violation of any rights of a third party; or (e) your violation of any applicable laws, rules, or regulations. We reserve the right, at our own cost, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate fully with our defense.
No agency, partnership, joint venture, or employment relationship is created between you and My Own Ghostwriter as a result of these Terms or your use of the Site. You do not have authority to bind My Own Ghostwriter in any respect.
We reserve the right, in our sole discretion, to restrict, suspend, or terminate your access to the Site and any Offerings, in whole or in part, at any time, without prior notice or liability. This includes termination for breach of these Terms, suspected fraudulent activity, initiation of a chargeback, or conduct that may harm the reputation or integrity of My Own Ghostwriter or its users. Upon termination, your right to use the Site and access any Offerings will cease immediately, and we may delete or deactivate your account and any related content or information.
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced with a valid provision that most closely reflects the original intent.
These Terms and all related documentation are in English. A printed version of these Terms and any notice given in electronic form shall be admissible in any judicial or administrative proceeding to the same extent as other business documents originally generated in printed form.
These Terms, including our Privacy Policy and any other legal notices or policies published on the Site, constitute the entire agreement between you and My Own Ghostwriter regarding the Site and all Offerings, and supersede all prior agreements and communications. For the avoidance of doubt, if you enter into a separate written service agreement with My Own Ghostwriter (e.g., for ghostwriting, editing, or coaching services), the terms of that agreement will govern the specific services covered by it and will control to the extent of any conflict with these Terms.
We reserve the right, in our sole discretion, to change these Terms at any time. The most current version will supersede all previous versions. For material changes, we will update the effective date at the top of this page and, where appropriate, notify you by email or prominent notice on the Site. Your continued use of the Site or any Offering after changes are posted constitutes acceptance of the updated Terms.
My Own Ghostwriter, LLC
23421 Terrace Hills Court
St. Augusta, Minnesota 56301
Email: mattie.murrey@myownghostwriter.com
Phone: (218) 851-3050