These Terms of Use may be revised from time to time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the current Terms
TERMS AND CONDITIONS Steven Milano / Full Disclosure, Babe! LLC Last Updated: September 1, 2026 PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE OR PURCHASING ANY PRODUCT OR SERVICE. By accessing this website, purchasing any product, or booking any service ("the Site," collectively with all content, products, and services, "the Services"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree, do not use the Site or purchase any Services. These Terms replace and supersede all prior versions. 1. Eligibility You must be at least 18 years old to purchase any product or service from the Company. By purchasing, you represent and warrant that you are 18 or older. The Company does not knowingly sell to, collect information from, or provide personalized services to anyone under 18. If the Company learns that a purchaser is under 18, the Company will cancel the order, refund the purchase, and delete any information submitted. Personalized services (including voice note breakdowns and live sessions) are available only to purchasers who are 18 or older. You may not purchase a personalized service on behalf of a minor, and you may not submit a minor's personal information through any intake form. 2. Ownership of Content All content on the Site, including videos, guides, training materials, graphics, audio recordings, written text, and the overall look and feel of the Site, is the property of Steven Milano and Full Disclosure, Babe! LLC ("the Company"), except for materials you submit yourself. You are granted a limited, non-exclusive, non-transferable license to access and use purchased Content solely for your personal, non-commercial use. You may not copy, reproduce, redistribute, resell, or use any Content for commercial purposes without express written permission. Audio recordings delivered as part of a personalized service are for your personal use only and may not be published, posted, or redistributed. 3. Submissions If you submit comments, suggestions, or other materials to the Company, including through intake forms for personalized services, the Company may use such submissions in anonymized and non-identifying form only, for purposes including future content creation. The Company will not publicly share identifying personal details from your submission without your separate, explicit consent. Names, locations, workplaces, social media handles, and other identifying details are removed before any submission is referenced in content. You may request that your submission never be used in any form, including anonymized form, by emailing smilanobusiness@gmail.com. Live sessions, including Clarity Calls, are confidential. They are not recorded, and nothing shared during a live session is used for content in any form, including anonymized form. 4. Accuracy of Information The Company uses reasonable efforts to provide accurate information but makes no guarantee of complete accuracy. If you believe any error materially affected your purchase, contact smilanobusiness@gmail.com. 5. No Professional Advice All guides, sessions, voice note breakdowns, and other services offered by the Company are for general informational and entertainment purposes only. Steven Milano is not a licensed therapist, counselor, psychologist, social worker, physician, attorney, or financial advisor. Nothing provided through the Site constitutes therapy, counseling, psychological diagnosis, medical advice, treatment, legal advice, or financial advice, and no therapeutic or professional relationship of any kind is created by your purchase. All commentary reflects personal opinion based solely on the information you choose to share. It is not a clinical assessment of you or of any other person, it is not verified, and it is not guaranteed to be accurate or applicable to your situation. Any observations about attachment patterns or behavior are general educational commentary, not a diagnosis of any individual. You are solely responsible for any decisions you make regarding your relationships, your safety, or your wellbeing. The Company strongly encourages anyone experiencing distress to seek support from a licensed mental health professional. 6. Emergency Situations and Crisis Disclosures The Company is not equipped to respond to emergencies or mental health crises and does not provide crisis services. If you are in crisis, in danger, or experiencing an emergency, contact 911, the 988 Suicide & Crisis Lifeline (call or text 988), or the National Domestic Violence Hotline (1-800-799-7233) immediately. Intake forms, emails, and social media messages are not monitored continuously and may not be read for several days. Do not use any Company channel to report an emergency. The Company is not responsible for monitoring, detecting, or responding to crisis situations disclosed through the Site or through any intake form or message. The Company reserves the right to decline or cancel any personalized service, and to issue a refund, where in its sole discretion the request falls outside the informational and entertainment scope of the Services. 7. Third-Party Information If you share information about a third party, including a partner, ex-partner, family member, or anyone else, as part of a personalized service, you represent that you have a lawful right to share that information. The Company is not responsible for verifying the accuracy of any information you provide, and any commentary the Company gives is based entirely on your account of events. The Company does not make findings of fact about any third party and does not diagnose, assess, or characterize any person who has not purchased Services. You agree not to submit information obtained unlawfully, including through unauthorized access to another person's device, accounts, or communications. 8. Sessions and Bookings If your purchase includes a live call or personalized voice note, you are responsible for scheduling and for timely submission of any required information. Cancellations for live calls must be submitted no less than 48 hours in advance by emailing smilanobusiness@gmail.com with the subject line "CALL CANCELLATION - [date and time]." Failure to cancel within this window forfeits the session. Personalized voice note breakdowns are delivered within [X] business days of receipt of a complete intake form. If a required intake form is not submitted within [X] days of purchase, the Company may close the order. 9. Payment and Refunds All sales are final due to the digital and personalized nature of the Services. If a technical issue prevents delivery of a purchased product or service, your remedy is limited to redelivery or a refund of the amount paid for that specific item, at the Company's discretion. Prices may change at any time without notice or retroactive adjustment. Payments are processed by third-party processors. The Company does not receive or store your full payment card details. 10. Communications and Email Consent When you provide your email address, whether by purchasing, downloading a free resource, or subscribing, you consent to receive email from the Company. This includes transactional email relating to your purchase and marketing email about products, services, and content. You may unsubscribe from marketing email at any time using the unsubscribe link in any message, or by emailing smilanobusiness@gmail.com. Unsubscribing from marketing email does not stop transactional email necessary to deliver a product or service you have purchased. Every marketing email includes a working unsubscribe link and the Company's physical mailing address, as required by the CAN-SPAM Act. Unsubscribe requests are honored within 10 business days. The Company's mailing address is: [BUSINESS MAILING ADDRESS] You also consent to receive notices, agreements, disclosures, and other records from the Company electronically by email. 11. Privacy and Data Retention Your use of the Services is also governed by the Company's Privacy Policy, available at [PRIVACY POLICY URL], which is incorporated into these Terms by reference. By using the Site, you accept the Privacy Policy. If you do not agree with it, do not use the Site. In summary: - Intake form submissions for personalized services are retained for 90 days after delivery, then permanently deleted. - Email addresses and subscriber records are retained until you unsubscribe or request deletion, and are deleted within 30 days of such a request. - Purchase and transaction records are retained for seven years as required for tax and accounting purposes. Only Steven Milano has access to intake form submissions. You may request access to, correction of, or deletion of your personal information at any time by emailing smilanobusiness@gmail.com. See the Privacy Policy for full details and for rights that may apply to you under your state's law. 12. Data Security The Company uses commercially reasonable measures to protect your information. No system is completely secure, and the Company cannot guarantee that unauthorized third parties will never defeat those measures. You provide information at your own risk. 13. Limitation of Liability To the extent permitted by law, the Company's total liability for any claim arising from your use of the Site or Services is limited to the amount you actually paid for the specific product or service giving rise to the claim. Nothing in these Terms is intended to limit any right or remedy that cannot lawfully be limited under New Jersey or federal law, including any rights established under the New Jersey Truth-in-Consumer Contract, Warranty and Notice Act (N.J.S.A. 56:12-14 et seq.). No provision of these Terms is intended to waive any clearly established legal right of a New Jersey consumer. 14. Indemnification You agree to indemnify the Company for claims arising from your own violation of these Terms or your unlawful conduct, to the extent permitted by law. This section does not require you to indemnify the Company for the Company's own negligence or intentional misconduct. 15. Governing Law These Terms are governed by the laws of the State of New Jersey. Any provision found unenforceable under New Jersey law shall be severed, with the specific provision and reason for unenforceability identified rather than applying a general catch-all exclusion, and the remainder of these Terms shall remain in effect. 16. Changes to These Terms The Company may update these Terms at any time by posting a revised version with a new "Last Updated" date. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms. 17. Use of Artificial Intelligence Tools The Company uses artificial intelligence tools to assist with outlining, drafting, editing, and organizing content, including guides, programs, emails, and marketing materials. All content is directed, reviewed, and finalized by Steven Milano. For personalized services, including voice note breakdowns, the Company may use artificial intelligence tools to help organize and outline the information you submit through intake forms. Before any submission is entered into an AI tool, names and other direct identifiers (such as contact details, social media handles, workplaces, and specific locations) are removed. The final analysis and delivery are prepared by Steven Milano personally. The Company only uses AI tools whose settings or terms do not allow your submitted information to be used to train their models. Live sessions are not recorded, and nothing from a live session is entered into AI tools. If you do not want your submission processed with AI tools, email smilanobusiness@gmail.com before your service is delivered and it will be prepared without them. 18. Contact Questions about these Terms can be directed to smilanobusiness@gmail.com. By checking the box below, you confirm that you are at least 18 years old and that you have read, understood, and agree to these Terms and the Privacy Policy.
PRIVACY POLICY
Steven Milano / Full Disclosure, Babe! LLC
Last Updated: September 1, 2026
This Privacy Policy explains what information Full Disclosure, Babe! LLC ("the Company," "we," "us") collects, how it is used, how long it is kept, and what rights you have over it. It applies to the website, the online store, all products and services, and all email communications.
By using the Site or purchasing any product or service, you agree to this Policy.
1. Who We Are
Full Disclosure, Babe! LLC, a New Jersey limited liability company. Steven Milano is the sole person with access to customer data.
Contact: smilanobusiness@gmail.com
Mailing address:
105 3rd Avenue PO Box 2224
Neptune City, NJ
07754A
2. Information We Collect
Information you give us directly:
- Name and email address, when you purchase, subscribe, or download a free resource
- Intake form content for personalized services, which may include detailed descriptions of your relationships, communications, and personal circumstances, and information about third parties you choose to share
- Any information you include in emails, direct messages, or booking forms
- Scheduling information for live sessions
Information collected automatically:
- Basic technical and analytics data collected by our platform providers, such as device type, browser, approximate location, and pages visited
- Email engagement data such as opens and clicks
We do not collect:
- Full payment card numbers or bank details. Payments are handled entirely by third-party processors, and we receive only confirmation of payment and limited transaction detail.
- Information from anyone we know to be under 18.
3. Sensitive Information
Intake forms for personalized services may contain sensitive personal information about your relationships and emotional circumstances.
Live sessions, including Clarity Calls, are not recorded, and nothing shared during a live session is used for content in any form.
We treat this information as confidential. It is used only to prepare and deliver the service you purchased. It is never sold, never shared with advertisers, and never used for ad targeting. It is not shared with any third party except the service providers listed in Section 5, in de-identified form where noted, or where required by law.
Please do not include in any intake form: financial account numbers, government identification numbers, medical records, or information you obtained without authorization from another person's device or accounts.
4. How We Use Your Information
- To deliver the products and services you purchase
- To prepare personalized voice notes and live sessions
- To communicate with you about your order
- To send marketing email about products, services, and content, where you have consented
- To improve products, content, and the Site
- To create general educational content, in anonymized and non-identifying form only, with names, locations, workplaces, handles, and other identifying details removed
- To comply with legal, tax, and accounting obligations
We do not sell your personal information. We do not share your personal information with third parties for their own marketing purposes. We do not use sensitive intake content for advertising or targeting of any kind.
5. Who We Share Information With
We share limited information with service providers who help us operate the business. These providers are permitted to use your information only to provide services to us:
- Storefront and checkout provider (order processing, product delivery)
- Payment processor (payment handling)
- Email service provider (delivery of email you have consented to receive)
- Scheduling provider (booking live sessions)
- File storage and form provider (intake form submissions)
- AI tool providers (help drafting and organizing content, including intake submissions with names and direct identifiers removed)
Artificial intelligence tools. We use AI tools to help outline, draft, and edit content such as guides, emails, and marketing materials. For personalized services, we may also use AI tools to help organize information from your intake form. Before anything is entered, we remove your name and other direct identifiers such as contact details, social media handles, workplaces, and specific locations. We only use AI tools whose settings or terms do not allow submitted information to be used for model training. Live sessions are never entered into AI tools. You can ask that your submission be prepared without AI tools by emailing smilanobusiness@gmail.com before delivery.
We may also disclose information where required by law, to comply with legal process, or where we believe in good faith that disclosure is necessary to prevent serious harm.
6. How Long We Keep Information
- Intake form submissions for personalized services: 90 days after delivery, then permanently deleted
- Session notes or recordings, if any: 90 days after the session, then permanently deleted
- Email address and subscriber record: Until you unsubscribe or request deletion; deleted within 30 days of request
- Purchase and transaction records: 7 years, as required for tax and accounting
- Email correspondence: 2 years
Anonymized information that can no longer be linked to you may be retained indefinitely.
7. Data Security
Access to customer data is limited to Steven Milano. Accounts holding customer data are protected by strong, unique passwords and two-factor authentication where available.
No system is completely secure, and we cannot guarantee absolute security. If a breach affecting your personal information occurs, we will notify you as required by applicable law.
8. Your Rights
Regardless of where you live, you may:
- Request a copy of the personal information we hold about you
- Request that we correct inaccurate information
- Request that we delete your information
- Unsubscribe from marketing email at any time
- Request that your intake submission never be used in content, including in anonymized form
- Request that your intake submission not be processed with AI tools
To exercise any of these, email smilanobusiness@gmail.com. We will respond within 45 days. We may need to verify your identity, typically by confirming you control the email address associated with your records.
Additional state rights. Residents of certain states, including California, Colorado, Connecticut, New Jersey, Virginia, Texas, Oregon, and others, have additional rights under state privacy law. These may include the right to know what categories of information are collected and disclosed, the right to opt out of the sale or sharing of personal information and of targeted advertising, the right to limit use of sensitive personal information, the right to data portability, and the right to appeal a denied request.
We do not sell personal information, do not share it for cross-context behavioral advertising, and do not use sensitive personal information for advertising, so there is nothing to opt out of in those categories. All other rights above are available to every customer regardless of state.
We will not discriminate against you for exercising any privacy right.
If we deny a request, you may appeal by replying to our response. If your appeal is denied, you may contact your state Attorney General.
9. Email Communications
We send email only to people who have provided their address to us. Every marketing email includes a working unsubscribe link and our physical mailing address. Unsubscribe requests are honored within 10 business days.
Unsubscribing from marketing email does not stop transactional email necessary to deliver something you purchased.
10. Minors
The Site and all Services are intended for adults 18 and over. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected information from a minor, we will delete it promptly. If you believe a minor has provided us information, contact smilanobusiness@gmail.com.
11. Cookies and Tracking
Our storefront, website, and email platforms use cookies and similar technologies for basic functionality and analytics. You can control cookies through your browser settings. We do not use cookies for cross-site advertising.
12. Changes to This Policy
We may update this Policy by posting a revised version with a new "Last Updated" date. If we make material changes to how we handle personal information, we will notify subscribers by email.
13. Contact
Questions, requests, or complaints regarding this Policy:
smilanobusiness@gmail.com
105 3rd Avenue PO Box 2224
Neptune City, NJ
07754A
