This website is created and owned by Gretchen Heinen, founder of Net Worth It School. By using the Website, you accept and agree to be bound by all of the following Terms and Conditions.

You acknowledge and agree that Gretchen Heinen’s name, website content, services, and any logos, designs, texts, graphics, software, content, files, materials, and any other intellectual property rights contained therein, including without limitation, any copyrights, patents, trademarks, proprietary or other rights arising thereof, are owned by Gretchen Heinen and its affiliates, licensors, and suppliers.

By visiting this website and accessing its content, you expressly agree not to do anything inconsistent with Gretchen Heinen’s ownership of the intellectual property discussed herein. Accessing and utilizing this website does not grant you ownership of any content you may access on this website. You further agree that there are no rights, title, or interest in to any Gretchen Heinen content and services, except as stated in this Agreement. You are not conveyed any right or license by implication, estoppel, or otherwise under any patent, trademark, copyright, or other proprietary rights of Gretchen Heinen or any third party.

Gretchen Heinen grants you a limited, revocable, non-exclusive, non-sub licensable, non-transferable license to access and use this website, and any related software, content, equipment, or other materials FOR PERSONAL, NON-COMMERCIAL USE ONLY. You are prohibited from selling, reselling, or making commercial use of the content herein, unless an agreement is specifically executed with Gretchen Heinen that expressly allows for such activity. Accessing this website does not give you ownership of any intellectual property rights herein.

You acknowledge and agree that Gretchen Heinen and any related resources or materials constitute the sole and exclusive property Gretchen Heinen. You agree not to reproduce, copy, duplicate, distribute, lend, sell, or otherwise transfer or disclose to any other individual or party, the materials, without the express prior written consent of Gretchen Heinen In the event that you are licensed or otherwise authorized to use any Materials, you agree to name Gretchen Heinen as the source of your information.

Gretchen Heinen makes every attempt to keep this information current. We do not promise or guarantee, however, that the information is correct, complete or up-to-date, and Internet subscribers and online readers should not act based upon this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

Additionally, content on this Website may be updated from time to time, but the content is not guaranteed to be up to date and complete at any given time. Gretchen Heinen is under no obligation to update such material.

By using this Website, you consent to the collection and use of information as specified above. If we make changes to our Privacy Policy, we will post those changes on this page. Please review this page frequently to remain up-to-date with the information we collect, how we use it, and under what circumstances we disclose it. You must review the new Privacy Policy carefully to make sure you understand our practices and procedures.

Gretchen Heinen reserves the right to revise and update these Terms and Conditions from time to time in our sole discretion. All changes are effective immediately when posted, and apply to all access to and use of the Website thereafter.

You understand that your continued use of the Website following the posting of revised Terms and Conditions indicates your acceptance and agreement with respect to the changes. Please check this page periodically to ensure you are aware of any changes in terms, as they are binding on you.

All information collected on this Website is subject to our Privacy Policy INSERT LINK TO PRIVACY POLICY. By using the Website, you consent to all actions taken by

Gretchen Heinen with respect to your information in compliance with the Privacy Policy.


Gretchen Heinen reserves the right to immediately terminate or suspend your access to all or part of this website in the event that there is a violation of these terms and conditions or violation of applicable law.

You agree to indemnify Gretchen Heinen and hold it harmless against any and all legal claims, demands, actions, liabilities, losses, damages, judgements, settlements, costs, and expenses, including reasonable attorney’s fees, which may arise from or relate to your use or misuse of this website and its contents, breach of this agreement, or your conduct or actions, including, but not limited to the following: 

a. Client’s performance of, or failure to perform under the agreement;
b. Client’s breach of any representation, warranty, or obligation under the agreements;
c. Client’s violation of any copyright, patent, trademark, trade secret, and/or other intellectual
property rights.

In no event shall Gretchen Heinen’s liability arising out of or related to these terms and conditions whether in contract, tort, or any other theory of liability, exceed the cost paid by you and received by Gretchen Heinen at the time of the first instance giving rise to the liability. Notwithstanding and subject to the foregoing, in no event shall Gretchen Heinen have liability to you for any indirect, incidental, punitive, consequential, or special damages of any kind or nature however caused, whether in contract, tort, or any other theory of liability. In no event shall Gretchen Heinen or any of its employees, agents, or representatives be liable for any direct, indirect, special, incidental, consequential, exemplary, or punitive damages arising from, or directly or indirectly related to, the use of, or the inability to use, the website or
its contents.

These Terms and Conditions as well as our Privacy Policy constitute the sole and entire agreement between you and Gretchen Heinen regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

This agreement shall be governed by and construed in accordance with the laws of California.

To provide feedback, comments, requests for technical support, or ask questions about these terms and conditions, contact us at:




This website is created and owned by Gretchen Heinen, founder of Net Worth It School. 
Your privacy is very important to us, and the below details the information that Gretchen Heinen may collect from your and how we use it. By visiting and using our website, you agree to be bound by the terms of the following policy. 

The information we collect on or through our Website may include:
– Information that you provide by filling in forms on our Website. This may include information provided at the time of subscribing to any newsletter released by Gretchen Heinen. 
– Records and copies of your correspondence (including email addresses), if you contact us directly.
– Responses to any market research surveys and/or feedback that you may complete. 
– Details of transactions you carry out through our Website or our third-party service providers and of the fulfillment of your services. You may be required to provide financial information before paying for our services via a secured third party link.

We may use the information collected on our website for our own internal purposes to support and improve our business, including, but not limited to:

  • Improving the website and contacting users; 
  • Communication regarding new product or service offerings, contests/giveaways, or newsletter or new blog entries;
  •  Communication regarding market research requests; 
  • Should you make a purchase on the Gretchen Heinen or Net Worth It School website, we will send you an email confirmation of your order. 

Please note that you have the opportunity to opt out of receiving any communications. 

We follow generally accepted industry standards to protect the information submitted to us, both during transmission and once we receive it.
If we (or one of our third-party providers) collect sensitive information (such as credit card data), that information is encrypted and transmitted in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page.

A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. Our website takes advantage of this functionality to enhance your experience. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is not linked to any personally identifiable information you may provide on our site. You have the ability to prevent your computer from accepting cookies but, if you do, certain functionality on the website may be impaired. 

Gretchen Heinen will not sell or otherwise provide your personal information collected to outside third-parties for the purpose of unsolicited email marketing or any other purpose. However, we will disclose personal information and/or an IP address, when required by law or in the good-faith belief that such action is necessary to:

  • Cooperate with the investigations of purported unlawful activities and conform to the edicts of the law or comply with legal process served on our company.
  • Protect and defend the rights or property of our Website and related properties.
  • Identify persons who may be violating the law, the rights of third parties, or otherwise misusing our Website or its related properties.

Please keep in mind that whenever you voluntarily disclose personal information online – for example through e-mail, discussion boards, or elsewhere – that information may be collected and used by others. 

Links to outside websites may be included on this site. Please note that we are not responsible for the content or privacy practices of such websites. Users are encouraged to read the privacy statements of any other site that may collect personally identifiable information.

Gretchen Heinen reserves the right to revise and update this Privacy Policy from time to time in our sole discretion. All changes are effective immediately when posted, and apply to all access to and use of the Website thereafter. 

You understand that your continued use of the Website following the posting of revised Privacy Policy indicates your acceptance and agreement with respect to the changes. 
Please check this page periodically to ensure you are aware of any changes in terms, as they are binding on you. 

To provide feedback, comments, requests for technical support, or ask questions about this Privacy Policy, contact us at: