Please review the following Privacy Policy, Terms of Use, and Disclaimer prior to using this Website. Review the Social Media Terms of Use Prior to engaging with Abrazo and Coze on Social Media.

Updated: 21 May 2018
Published: 26 April 2018

Legal Notices

Please read the Privacy Policy, Terms of Use, Disclaimer, and Social Media Terms of Use (collectively, “Legal Notices”) carefully. You should view this page each time you visit this site. I reserve the right to change these Legal Notices on this Website at any time without notice, and by using this Website and its Content, you are agreeing to the Legal Notices as they appear, whether or not you have read them. If you do not agree with these Legal Notices, please discontinue use of this Website.

This Website and its Content is owned by Anna Anderson (“Company”, “Abrazo and Coze”, “I”, “my”, or “me”). The term “you” and “your” refers to any users, visitors, or viewers of this Website or related social media channels.

Privacy Policy

Thank you for visiting the Abrazo and Coze Website and reviewing the online Privacy Policy in detail. I am committed to respecting your privacy and protecting your personal information whether you are browsing for information or conducting business with me through electronic channels.

This Privacy Policy explains the current information management practices on my website, and explains the current practices regarding what information I may collect, use, and secure when you visit this Website.

This Website uses cookies. A cookie is a small text file sent from a Web server and placed on your computer’s hard drive. A cookie is generally used to enhance your browsing experience by making it more convenient for users to move around this Website. If you choose, they may be used to ‘remember’ your password and make it easier and faster to login to restricted access areas. These types of cookies need to be stored on your computer’s hard drive.

You can choose to set your browser to detect and reject cookies, to accept cookies from all sites, or to prompt you whenever a site wants to send you a cookie. Check your browser’s Help Menu to learn how to do this. If you choose to refuse cookies, you may not be able to access some of the interactive features on this Website.

Cookies used by Abrazo and Coze, do not give me access to anything on your hard drive and cannot do anything to your computer. Cookies used by Abrazo and Coze are from third party plugins and are unreadable to anyone except the third party plugin. Abrazo and Coze uses two types of cookies: session cookies (temporary) or persistent cookies (longer-term continuing use).

  • session cookies may be used to support online feedback and discussion, forms, and registration – they are used only during your online session and expire when you close your browser. Without session cookies, moving around this Website could be slower
  • persistent cookies are different from session cookies because they are stored on your computer’s hard drive for some length of time – they are usually used if you want the site to remember information about your Web preferences such as passwords for automatic login purposes

Further information on cookies can be found at the website of the Information and Privacy Commissioner of Ontario: If you wanted to know…What to do about Cookies.

In order to serve you better, I use web analytics services including Google Analytics to help analyse the use of this Website. This tool uses cookies to collect and generate information about your visits to this Website (including your IP address) that is transmitted to their servers in an anonymous form for processing. I study patterns of website activity so I can improve the experience of visitors to this Website.

The use of these tools does not allow me or my analytics service providers to identify individuals.

You can opt-out of analytics activity by setting your browser to notify you when a cookie is sent and block analytics cookies, if desired. Please consult your browser’s Help Menu for instructions. Visiting this Website with analytics cookies disabled will have no significant impact on your browsing experience.

Google currently offers a free Google Analytics Browser Opt-out Add-on to prevent your data being used by Google analytics.

When you browse or download information from this Website, the servers automatically collect limited amounts of standard information for traffic monitoring and statistical purposes. The information is analysed for operational trends, performance, and for ways to improve this Website. I cannot identify you from this information.

The following standard types of information are collected:

  • Internet Protocol (IP) addresses of the computers being used to access this Website
  • operating systems and the types and versions of browsers used to access this Website
  • Internet Service Providers used by visitors to this Website
  • dates and times users access this Website
  • pages visited
  • keywords users enter into the search engine
  • names and sizes of files requested

This Website collects the above noted information to provide you with access to information and services available on this Website.

You may choose to provide me with personal information such as your name and email address, if you wish to:

  • submit an email, comment, question or request, or subscribe for information online
  • request a service or product, or fill out a registration form online
  • provide feedback, participate in consultations, or complete surveys online
  • conduct e-commerce transactions with Abrazo and Coze

When you visit this Website, any personal information you provide will be used to respond to your message and/or provide you with the requested service or product. At the time the information is collected, you will be informed of the specific purpose for which it is being collected.

Abrazo and Coze’s security practices are continually evolving to ensure that the integrity and confidentiality of information and systems are maintained.

I use up to date security safeguards on this Website to protect against misuse, alteration, copying, disclosure, destruction, monitoring, or unauthorized sharing of information and damage. Abrazo and Coze’s safeguards include the use of physical, technical and procedural controls to protect information.

You have the ability to unsubscribe from newsletters from the link at the bottom of each email.

You can also request through the Contact page that I delete or correct inaccurate or incomplete information if you are unable to correct it yourself.

Additionally, Google has provided a convenient Google Analytics Opt-out Browser Add-on, so you can prevent your data from being used by Google Analytics.

You are encouraged to learn about protecting your own computers to ensure that your online activities remain private.

One place to start for tips on home network security is a question and answer sheet produced by the Carnegie Mellon Software Engineering Institute – CERT Coordination Centre.

Terms of Use

All Content on this Website, including the words, information, documents, design, graphics, photographs, graphics, images, and all other information and intellectual property, registered and unregistered (“Content”) is my property and is protected by Canadian intellectual property laws.

Certain names, words, titles, phrases, logos, icons, graphics, or designs in the pages of this Website may constitute trade names, registered or unregistered trademarks or service marks (“Trademarks”) of Abrazo and Coze and of other persons or entities. However, the display of Trademarks on pages at this Website does not imply that any license has been granted to any third party.  All rights are reserved.

When you access this Website or its Content, you agree that you will not copy, duplicate, or steal my Content. Any unauthorised use of the Content is a violation of these Terms and I reserve the right to prosecute unauthorised use to the fullest extent of the law.

Information on this Website may be copied for personal use only. No part of this website may be reproduced, stored, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as permitted under Section 29, Section 30, Section 31, and Section 32 of the Copyright Act of Canada, without my prior written permission.

You may link back to any blog posts or articles on this Website that are widely and publicly available, as long as you give credit by providing a do-follow hyperlink back to this Website. Requests to the author and publisher for any other kind of permission should be addressed by sending me a message from the Contact page, before the use of my Content.

Due to the dynamic nature of the Internet, certain links on this Website may have changed. I make no representations to the current accuracy of the information shared.  All information and services on this Website are provided on an “as is” basis without warranty of any kind, either expressed or implied, including, without limitation, implied warranties or conditions of fitness for a particular purpose or use, or non-infringement.

All information and services are subject to change at any time without notice.

While I make reasonable efforts to ensure that the information and services contained on this Website are accurate, I cannot guarantee the accuracy, completeness, timeliness, or reliability of this information and these services; I am not responsible for inaccuracies, errors, or omissions in the information or services.

All information on this Website is for informational purposes only; it is not intended to provide any specific advice, and is not to be relied upon. Any actions or decisions should be based on independent research and professional advice.

Any and all links to third party websites are provided on this Website for convenience only and do not constitute an endorsement by me of these websites or the material, content, or services they contain.  Once you leave this Website, or are redirected to a third party website or application, you are no longer governed by these Terms of Use or the Website’s Privacy Policy, or Disclaimer.

These websites are independent from Abrazo and Coze and outside of its control. Before using such websites, you should review their terms of use and privacy policies. I shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

Links to downloadable software sites are for convenience only. I am not liable for any difficulties or consequences associated with downloading the software. Use of any software is governed by the terms of the license agreement, if any, that accompanies or is provided with the software by the third party website.

I may add, delete, or change some or all of my products or services at any time without notice.

By accessing this Website and its Content, you warrant that you are at least 18 years of age and agree to be bound by these Terms of Use.

You are granted a limited license to access and review this Website and its Content for your personal use, but you are not granted a license for business or commercial use. As a licensee, you may not use this Website or its Content in a manner that constitutes the infringement of any of my rights, unless otherwise authorised by me.

I reserve all rights not expressly granted in these Terms of Use.

In using this Website and its services and products, you agree to not:

  1. interfere with or disrupt this Website or computer networks connected thereto;
  2. impersonate any other person or entity, or make any misrepresentation as to your employment, title, or authority;
  3. forge headers or in any manner manipulate identifiers to disguise your origin;
  4. upload, post, transmit, publish, or distribute any material or information for which you do not have all necessary rights and licenses;
  5. upload, post, transmit, publish, or distribute any material or information that contains a computer virus, or other code, files or programs intending in any manner to disrupt or interfere with the functioning of this Website;
  6. use this Website in such a manner as to gain unauthorised entry or access to the computer systems or networks of others or attempt to gain unauthorised entry or access to any password protected or restricted areas of this Website, or my computer or network systems;
  7. reproduce, copy, modify, sell, distribute, or otherwise exploit for any commercial purposes any material, information, product, or service offered within this Website unless you have the necessary rights and licenses;
  8. violate any law or regulation or any generally accepted Internet practice or interfere with any other user’s ability to use this Website and any of the services or products provided on this Website; or
  9. forge, alter, or modify in any way any of the agreements, polices, information, reports, or any other material posted or accessible within this Website.

By using and accessing this Website and its Content, you agree that you are solely responsible for your electronic communications. You agree to provide honest and accurate information and that you are authorised to make any purchases you may make. You agree to only use this Website and its Content for lawful purposes and you agree to not act fraudulently, unlawfully, or otherwise inappropriately.

If you engage in any purchases from this Website, you agree and acknowledge that personal payment information is being transmitted. I use outside vendors to sell products and services and process payments. You acknowledge that these outside vendors may have access to your name, address and payment information.  I do not personally have access to nor do I store any information. I have chosen vendors carefully and attempt to only use secure transmissions. However, I will not be liable or responsible for any data breaches that result in any loss, damage, or other injuries when dealing with one of these vendors. These vendors may have their own privacy and data collection practices that differ from mine. For more information, visit that vendor’s website to learn more.

The Internet is not a secure medium, and privacy cannot be ensured. Internet email is vulnerable to interception and loss. I will not be responsible for any damages you may suffer in connection with an email you send to Abrazo and Coze or an email I send to you at your request. For information on how I collect or use information, please refer to my Privacy Policy.

Any user generated content on this Website (such as through blog comments) will be publicly available to other users. By posting or submitting any material to this Website, you are warranting that you are the owner of such materials and you are at least 18 years old.

By submitting any content or materials to me and/or this Website, you agree to give me an unlimited license so that this content can be shared on this Website. This license includes your permission that your Website submission, blog comment, or such other information may be a part of the current or future existence of this Website and its Content. You are granting the right to be identified as the author of any of your contributions.

I may end the use, or refuse to permit the use, of any Service or Product and this Website by any person or entity, for any reason and without notice, at my sole discretion.

I reserve the right to remove any content that I determine to be unlawful, inappropriate, offensive, or otherwise objectionable, or in violation of any party’s intellectual property or these Terms of Use. I also reserve the right to remove undesirable comments or shares on this Website and social media.

By using and accessing this Website, you agree at all times to indemnify and hold harmless me and my Company, as well as any related parties, from and against any and all claims related to this Website or its Content. I will not be responsible or liable in any way for your use of the information or materials provided on this Website. I assume no liability for any injuries, damages or other losses alleged in connection with your use or access of this Website. If you use this Website and/or its Content, I assume no responsibility. I will not be liable to any party for any type of direct, indirect, special, incidental, equitable and/or consequential damages for your use, reliance, actions or failures to act related to the information on this Website.

While I make reasonable efforts to ensure that all information and services provided on this site do not contain computer viruses, you are solely responsible to adequately protect and backup your data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

These Terms of Use and any issue or dispute relating to this Website will be governed by and construed in accordance with the laws of the Province of Ontario and the applicable laws of Canada. By using this site you are hereby consenting and submitting to the exclusive jurisdiction of the courts of the Province of Ontario in any action or dispute related to these Terms of Use or any issue in respect of this Website.


The information contained on this Website is for general information purposes only. I assume no responsibility for errors or omissions in the contents on the Website. I reserve the right to make additions, deletions, or modification to the contents on the Website at any time without prior notice. I do not warrant that the website is free of viruses or other harmful components.

To the fullest extent permitted by law, I expressly exclude any liability for any direct, indirect, or consequential loss or damage incurred by you or others in connection with this Website and its Content, including but not limited to liability for any delays, injuries, harm, losses, damages, loss of business, loss of profits, or any other loss or damage of any kind, caused by negligence, breach of contract, or otherwise, even if foreseeable. By accessing and using this website, you agree that I am not liable or responsible for your business or personal results or any other result of any kind that you may have as a result of information presented to you through my Website or its Contents. You are solely responsible for your results.

I make no warranties, either express or implied, regarding this Website or its Contents. To the fullest extent permitted by law, I disclaim all warranties.

This affiliate disclosure details the affiliate relationships of Abrazo and Coze with other companies and products.

Some of the links on the Website are affiliate links. This means that a special tracking code is used and that I might make a small commission on the sale of an item if you purchase through one of these links. The price of the item is the same for you whether it is an affiliate link or not. 

As an Amazon Associate I earn from qualifying purchases.

In some cases, I might also use a link to provide a discount code for an item. In these cases, I might still earn an affiliate commission but the price will actually be less for you by using this link or tracking code.

All links, posts, photos, and other material on the Website that contain affiliate links will be identified as such in at least two places:

  1. in a disclosure near the beginning of each applicable page or post, including a link to this Disclosure; and
  2. in a tag at the bottom of each applicable page or post labelled “Affiliate”.

Social media posts or comments will be identified by the word “affiliate” or “affiliate link”.

If an affiliate link to a product is posted on the Website, it is something that I personally use, support, or would recommend without an affiliate link.

My first priority is always providing resources to help you live your best life, and I will only ever link to products or resources (affiliate or otherwise) that fit within this purpose.

Please note that while I personally use, support, or recommend every product I link to, these products are purchased from third party companies and I do not control these companies or have a financial interest other than an affiliate relationship, unless otherwise disclosed. I cannot ensure that any item or service purchased through a link on the Website is shipped on time, packaged properly, or that you will like it. Any problems or concerns with a specific product or service purchased through a link on the Website should be directed to the company the item was purchased from.

My goal is that the paid content on the Website feels genuinely useful, and that the monetization of site content is transparent.

This sponsored content disclosure details the sponsorship relationships of Abrazo and Coze with other companies.

All sponsored content is clearly marked paid content in at least three places including:

  1. a disclaimer near the top of all applicable pages or posts on the site, which will include a link to this Disclaimer;
  2. in the text at least once that the business is a sponsor; and
  3. in a tag near the bottom of the applicable page or post labelled “Sponsored”.

Social media posts or comments will be identified by the word “ad” or “sponsored”.

My goal is that the paid content on the Website feels genuinely useful, and that the monetization of site content is transparent.

There are third party websites linked to and from this Website that are operated or created by or for organizations outside of Abrazo and Coze. Those organizations are solely responsible for the operation and information (including the right to display such information) found on their respective websites. The linking to or from this site does not imply on my part any endorsement, or guarantee of any of the organizations or information (including the right to display such information) found on their respective websites.

I do not assume and am not responsible for any liability whatsoever for the linking of any of these linked websites, the operation or content (including the right to display such information) of any of the linked websites, nor for any of the information, interpretation, comments or opinions expressed in any of the linked websites. Any comments or inquiries regarding the linked websites are to be directed to the particular organization for whom the particular website is being operated.

Please note that I do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

You should consult your physician or other health care professional before starting any fitness or dietary program to determine if it is right for your needs. This is particularly true if you (or your family) have a history of high blood pressure or heart disease, or if you have ever experienced chest pain when exercising or have experienced chest pain in the past month when not engaged in physical activity, smoke, have high cholesterol, are obese, or have a bone or joint problem that could be made worse by a change in physical activity. Do not start a fitness or nutritional program if your physician or health care provider advises against it. If you experience faintness, dizziness, pain or shortness of breath at any time while exercising you should stop immediately.

This site occasionally offers health, fitness and nutritional information and is designed for educational purposes only. You should not rely on this information as a substitute for, nor does it replace, professional medical advice, diagnosis, or treatment. If you have any concerns or questions about your health, you should always consult with a physician or other health-care professional. Do not disregard, avoid or delay obtaining medical or health related advice from your health-care professional because of something you may have read on this site. The use of any information provided on this site is solely at your own risk.

Developments in medical research may impact the health, fitness and nutritional advice that appears here. No assurance can be given that the advice contained in this site will always include the most recent findings or developments with respect to the particular material.

Social Media Terms of Use

Please read these Social Media Terms of Use (“Terms”) carefully. You should view this page each time you visit any of the Abrazo and Coze social media channels. I reserve the right to change these Terms on theis Website at any time without notice, and by interacting with any Abrazo and Coze social media account, you are agreeing to the Terms as they appear, whether or not you have read them. Your interaction and continued engagement on any related social media account after revisions constitutes your acceptance of our revised Terms. If you do not agree with these Terms, please discontinue interaction and engagement on all related social media channels.

This notice has been written to explain how Abrazo and Coze interacts with the public on social media platforms. Your use of any Abrazo and Coze social media channels is subject to these Terms and the terms of use of the social platform from which you accessed these Terms.

I use my social media accounts as an alternative method of sharing the content posted on my website and interacting with my audience. By following my social media accounts (by “following,” “liking” or “subscribing”), you can expect to see information related to website content and topic areas.

My goal is to provide useful and interesting content about parenting, family finance, and family relationships, and to foster an open and respectful dialogue relating to the specific issues and topics covered in my posts and tweets and other multi-media.

I understand that the Internet is a 24/7 medium, and your comments are welcome at any time. You can expect to see new content posted at various times; however, my accounts are usually monitored daily in the evening and during naps. Comments submitted outside this time frame will be read and responded to as soon as possible.

Because the servers of social media platforms are managed by a third party, my social media accounts are subject to downtime that may be out of my control. As such, I accept no responsibility for platforms becoming unresponsive or unavailable.

My social media accounts may post or display links for websites that are not under my control. These links are provided solely for the convenience of users. I am not responsible for the information found through these links, nor do I endorse the sites or their content.

My decision to “follow,” “favourite”, “subscribe”, “like”, “comment”, or “post” to another social media account does not imply an endorsement of that account, channel, page, or site, and neither does sharing (re-tweeting, reposting, or linking) content from another user.

I will read comments and participate in discussions when appropriate. I ask that your comments be relevant and respectful. I reserve the right to delete comments that violate this notice, and the user may be blocked and reported to prevent further inappropriate comments.

I will not engage in issues of party politics or answer questions that break the rules of this notice.

I reserve the right to edit or remove comments that:

  • are contrary to the principles of the Canadian Charter of Rights and Freedoms;
  • express hateful, slanderous, insulting, or life-threatening messages;
  • put forward serious, unproven or inaccurate accusations against individuals or organizations;
  • are aggressive, violent, obscene, or pornographic;
  • are offensive, rude, or abusive to an individual or an organization;
  • are not sent by the author or are put forward for advertising purposes;
  • encourage illegal activity;
  • are unintelligible or irrelevant;
  • are repetitive or spam; and
  • do not add to the normal flow of the discussion.

In short, please be respectful and make sure that your comments are relevant to where they are posted. The views of users commenting on my social media accounts do not represent the views of my Company.

You should understand that content you submit to my social media channels is public and will not place me under any obligation to you. This means I am free to disclose and use the ideas contained in content on a non-confidential basis to anyone without any liability to you. You should also not use Abrazo and Coze’s social media channels to submit unsolicited ideas. If you submit any – for example by posting them – you need to understand that you don’t have ownership rights in such ideas, that I won’t compensate or reward you, and that I don’t waive any rights to use similar or related ideas previously known to me, developed by the Company, or obtained from other sources. You agree that by posting content on my social media channels, you grant me a worldwide, non-exclusive, royalty-free license (with the right to sublicense) to use, copy, reproduce, process, adapt, modify, publish, transmit and display and distribute such content in any and all media or distribution methods now known or later developed. Further, by submitting content you represent and warrant to me that you are the sole owner of the content and that my use of the content will not violate the rights of any third party, including, but not limited to copyright rights; and that you will defend and hold me harmless from any and all claims arising therefrom. By submitting content you waive any right to inspect or approve of such uses and agree to hold harmless me and all others identified above from any and all claims you, your heirs, executors or assigns may at any time have against me on account of the granting of the license or arising out of my use of the content.

Information that I post is subject to the Copyright Act.

My use of social media serves as an extension of my presence on the Internet. Social media accounts are public and are not hosted on Abrazo and Coze servers. Users who choose to interact with me via social media should read the terms of service and privacy policies of these third-party service providers and those of any applications used to access them.

My social media channels are not the appropriate place to resolve issues, complaints or suggestions about individual sales and service experiences or my products. This does not mean I do not want to hear about such issues, but these types of concerns are best handled individually with my prompt personal attention. If you’re interested in sharing comments or feedback outside the scope of these channels, you can send me a message through the Contact page.


All questions and comments or media enquiries should be submitted through the Contact page. I will respond as soon as possible after receiving the message.

If you prefer, feel free to send me mail at the following address:

Anna Anderson
2359B Highway 62
Bloomfield, ON K0K 1G0

It takes time for postal delivery, plus additional time to respond, especially if you require the response through the postal service, so please be patient. If you require a response, be sure to include your address.

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