Terms and Policies


This site is owned and run by AMO Spectrum, LLC, herein referred to as “us,” “company,” or “site.” By using this site, you agree to be bound by these terms and policies. Accessing the site in any manner constitutes use of the site and agreement to these terms and policies. We reserve the right to change, update, or modify these terms at any time. We will post any such changes to this site. By continuing to use the site after these changes, you accept the modified terms.


This site and all materials posted on this site are the property of us and/or our affiliates and is protected by copyright, trademark, and other intellectual property laws. This site is provided for your personal, noncommercial use. You may not use the site or any materials on this site in any way that constitutes an infringement on our rights or that has not been specifically authorized by us. You may download and print individual pages or purchased programs and products for your personal use, as long as you keep intact all copyright notices and bylines.


Payment options

ArnetteDOwen.com accepts all major credit cards and PayPal payments.  Your credit card will be charged on the day you place your order for goods or services. In most instances you will know immediately if a charge is declined. However, in the event you place an order and we attempt to process the payment later (such as when orders are placed at events but not processed until later) and the charge is declined, we may attempt to run the payment information again and if still unsuccessful, we will notify you and request alternate payment.

Payment plans

Some of our programs and services offer flexible payment plans to allow you to break up your payment into installments. After the initial payment, subsequent payments are debited from your card every 30 days until the balance has been paid.

Refund policy for digital ebooks, programs, courses, products

No refunds will be issued for digital products, including ebooks, courses, programs, and products purchased on ArnetteDOwen.com, except where specifically mentioned. Any digital product that offers a refund will include such offering on the sales page of the product, along with its terms. If no refund is mentioned or offered, no refund applies.

Refund policy for coaching, consulting, and mentoring programs

Enrollment in any group or individual coaching or mentoring program or consulting session or program constitutes a non-cancellable agreement. There are no refunds or cancellations and you are responsible for full tuition or fee regardless of whether you participate or show up for your session(s). If you are unable to make an appointment or session and would like to reschedule the appointment or session, you must notify ArnetteDOwen.com by emailing us at info@arnettedowen.com at least three days prior to the scheduled appointment. We will work with you to reschedule your session one time.

Refund policy for ticketed events, including conferences and retreats

We do not offer refunds if you opt not to attend and/or complete a ticketed event, including a conference or retreat. In the event you opt not to attend one of our ticketed events, you may transfer your fully paid ticket to another person, as long as you notify us at least five days prior to the ticketed event by emailing info@arnettedowen.com. Your transfer is not confirmed until you receive an acknowledgment email from us.

Return policy for physical products

Physical products purchased on ArnetteDOwen.com are refundable in case of damage or defect. If you receive a physical item that is damaged or defective, please send an email to info@arnettedowen.com within 30 days of receipt for information on how to exchange or return the product.

Chargeback and payment information

When you give us your payment information, you authorize AMO Spectrum, LLC to charge your card for any outstanding fees and payments. If you sign up for a payment plan that allows you to make multiple payments on any product, program, or service, AMO Spectrum, LLC shall be authorized to run all charges on or around the time they are due without being required to receive separate authorization to do so. You may not make any chargebacks or cancel the credit or debit card you provided for payment without our prior written consent. You are fully responsible for any fees associated with recouping payment on any chargebacks and any fees associated with the payment collection process. You may not change any of the credit or debit card information for your payment account without notifying us in advance with the updated and correct information.

Sales tax and shipping

All physical products shipped from ArnetteDOwen.com shall be subject to sales tax, in accordance with the tax code of the state and city to which the order is being shipped. Standard shipping rates will be used, unless otherwise indicated. Upon successful checkout, an email will be sent to you with information about your order, including download instructions, if you ordered a digital product, program, course, etc. If you ordered a physical product, you will receive an order confirmation with shipping information.

If you do not receive an email or do not receive your digital download, it may be because of an incorrect email address that was entered during the ordering process or the email may have gone into a spam folder. If you do not receive your download, have trouble accessing it, or need other assistance with your download, please contact us at info@arnettedowen.com immediately and we will get the download to you.

Services offered by sister sites

AMO Spectrum, LLC at times makes offers on ArnetteDOwen.com of services sold at its other sites.

By registering for or purchasing any program, product, training, service, or event ticket offered on this site, you acknowledge that you understand and agree to these terms.


We do not share, sell, or rent your individual personal information to anyone for their promotional use without your prior permission or as required by law. Information submitted to us for use is only available to the AMO Spectrum, LLC and Arnette D. Owen teams for purposes of contacting you or sending you emails and information you requested and is only available to third-party service providers who provide services in relation to fulfilling your request for information or services. Any correspondence with or information submitted to AMO Spectrum, LLC or the Arnette D. Owen site, including videos and images, is considered property of AMO Spectrum, LLC and the Arnette D. Owen site and we reserve the right to reproduce any of such content in whole or in part on any of our sites or affiliates in any way we choose, including allowing third parties to republish the information. In submitting content to us, you are representing the content is yours to provide to us and does not infringe on any third party’s rights in any way, including copyright, trademark, privacy, and such. You also represent the content is not libelous or unlawful in any way whatsoever.


Throughout this site, we may provide links and information to third-party sites. Our linking does not imply an endorsement or sponsorship of such site and we are not responsible or liable for any information on any third-party site or any user’s experience on any third-party site.

The information, products, programs, services, and events offered on or through this site and any affiliates or third parties are offered “as is” and without warranties of any kind, express or implied. We do not warrant or make any representations regarding the use or results of the use of the site or the materials on this site or on third-party sites in terms of their accuracy, correctness, timeliness, reliability, function, or otherwise.

You agree to defend and hold harmless company, this site, our affiliates, us, and any assignees, agents, employees, contractors, and representatives from and against any and all claims, causes of action, damages, liability, cost and expenses, including legal fees, arising out of or related to your breach of any obligation, warranty, policy, representation, or covenant set forth herein.


Affiliate relationships at times exist between ArnetteDOwen.com and other entities, and as such, certain links to third party sites mean AMO Spectrum, LLC and ArnetteDOwen.com may be compensated when you purchase from a linked-to provider. You should always perform due diligence when buying goods and services from anyone.

If you have a question about any of the information on this page, please send an email to info at arnettedowen.com.