1. About CMRA and This Website

CMRA operates under the brand name "The Resilience Architect," a registered trademark of CMRA. This Website provides information about:

• Keynote speaking engagements
• Resilience leadership training and workshops
• Educational content, media, and downloadable resources
• Blog articles and thought leadership content
• Merchandise and branded products (where applicable)

Content on this Website is provided for informational and professional purposes only and does not constitute professional, medical, psychological, financial, or legal advice.

2. Intellectual Property Rights

All content on this Website, unless otherwise stated, is the intellectual property of CMRA and/or Carol Murray. This includes, without limitation:

• Text, video, graphics, and photographs
• Blog articles and downloadable resources
• Speaking frameworks, methodologies, and the Pillars of Resilience framework (Community, Values, Perspective)
• Branding, logos, and design elements

"The Resilience Architect" is a trademark of CMRA. No content, framework, trademark, or branded material on this Website may be reproduced, distributed, publicly displayed, or used for commercial purposes without CMRA's prior written permission. Unauthorized use may violate applicable trademark, copyright, and unfair competition laws.

3. Use of Artificial Intelligence

CMRA uses artificial intelligence (AI) tools to assist with certain internal operations, which may include:

• Drafting and scheduling social media content
• Research support and correspondence drafting
• Administrative and communications workflows

All AI-assisted content and communications are reviewed by a human member of the CMRA team before publication or sending. AI tools are used to support efficiency and are not used to generate keynote content, speaking frameworks, or client-facing deliverables without human authorship, review, and final approval. CMRA does not represent that any specific piece of content was or was not AI-assisted unless stated; if you have a question about how a specific communication was produced, contact us at the address below.

4. Speaking Engagement Bookings

Submitting a booking inquiry through this Website does not constitute a booking confirmation and does not guarantee availability. A confirmed engagement requires:

• A written speaking agreement signed by both parties
• A confirmed event date
• An agreed speaking fee and payment terms
• Any applicable deposit as outlined in the signed agreement

CMRA reserves the right to decline any engagement that does not align with Carol Murray's schedule, availability, professional standards, or values. Where these Terms conflict with a signed speaking agreement for a specific engagement, the signed agreement controls.

5. Event Cancellation Policy

The following applies to confirmed engagements unless superseded by the signed speaking agreement for that engagement:

• Cancellations made 60 or more days before the event date may be eligible for rescheduling, subject to availability.
• Cancellations made within 60 days of the event may be subject to partial or full payment of the agreed fee, as set out in the signed agreement.
• Reasonable travel expenses already incurred by CMRA on the client's behalf are non-refundable.

If Carol Murray must cancel due to emergency, illness, or unforeseen circumstances beyond her reasonable control, CMRA will make reasonable efforts to reschedule the engagement or arrange a virtual keynote alternative. CMRA's liability in the event of such a cancellation is limited to the return of any fees paid for the cancelled engagement, unless otherwise agreed in writing.

6. No Guarantee of Outcomes

Carol Murray's keynotes, workshops, and content are based on personal experience and professional insight into resilience, safety culture, and leadership. Individual and organizational results vary based on factors outside CMRA's control, including but not limited to organizational culture, implementation, and external circumstances. CMRA makes no guarantee, express or implied, regarding specific business, safety, leadership, or performance outcomes resulting from any keynote, workshop, product, or content.

7. Limitation of Liability

To the fullest extent permitted by applicable law, CMRA, Carol Murray, and their respective representatives, employees, and contractors will not be liable for any direct, indirect, incidental, special, or consequential damages arising from:

• Use of, or inability to use, this Website
• Reliance on information presented on this Website or during a speaking engagement
• Any product purchased through this Website

Nothing in this section limits liability that cannot be excluded under applicable Canadian or provincial law, including consumer protection legislation.

8. Privacy and Personal Information

CMRA collects and handles personal information (such as names, email addresses, and booking details) in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation. For details on what we collect, why, and how it is used, see our Privacy Policy. By submitting a form or booking inquiry on this Website, you consent to CMRA collecting and using your information for the purposes described in that policy.

9. External Links

This Website may contain links to third-party websites or resources, including social media platforms and event partners. CMRA does not control and is not responsible for the content, security practices, or privacy practices of any third-party website. Visiting a linked site is at your own risk.

10. Products and Merchandise (if applicable)

If CMRA offers physical or digital products for sale through this Website (including but not limited to the Resilience card deck), such purchases are subject to the specific product terms, shipping policy, and return policy provided at checkout, in addition to these Terms.

11. Changes to These Terms

CMRA reserves the right to update these Terms & Conditions at any time. Changes take effect immediately upon posting to this page, with the "Last Updated" date revised accordingly. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of the Province of [Ontario/Nova Scotia — confirm which], and the federal laws of Canada applicable therein, without regard to conflict of law principles.

13. Contact Information

For legal, privacy, or booking inquiries, contact:

Lisa Hayward, Executive Coordinator

lisa@carolmurray.ca

Or: booking@carolmurray.ca