All materials are copyrighted by Don & Katie Fortune of Heart To Heart International Ministries and Discover Your Gifts. Copyrighted material may not be reproduced in any way without the express written consent of Discover Your Gifts. No changes in orders are allowed once the payment has processed. No exchanges or refunds are allowed of any item that has been shipped out. No liability or obligation is incurred except for us to ship out the products that are purchased; if purchased products are not available they will either be backordered or a refund for that product will be issued. Defective products will be replaced. Products damaged in transit are the responsibility of the shipping company and claims must be filed directly with them. We make no guarantees of delivery, nor processing time and are not responsible for delays. RUSH orders may be made at additional cost to the purchaser. All materials are intended for personal enrichment & teaching purposes only. No promises, guarantees, nor counseling or guidance are intended.