Master Terms of Service

Katy Culver LLC

Version: 1.0

Effective Date: February 13, 2026

Last Updated: February 13, 2026

PLEASE READ THESE TERMS CAREFULLY BEFORE USING ANY SERVICES.

By purchasing, accessing, or using any services provided by Katy Culver LLC, you (“Client,” “you,” “your”) agree to be bound by these Terms of Service (“Terms,” “Agreement”). If you do not agree to these Terms, you may not access or use our Services.

1) DEFINITIONS

“Company,” “we,” “us,” “our” refers to Katy Culver LLC, a Michigan limited liability company operating as an S-Corporation.

“Services” refers to all coaching, mentoring, training, programs, courses, retreats, live experiences, digital products, online education, community access, and related services provided by the Company, whether delivered individually, in groups, virtually, or in-person.

“Client,” “you,” “your” refers to any individual or entity purchasing, accessing, or using our Services.

“Materials” refers to all content, resources, recordings, documents, frameworks, templates, intellectual property, and other materials provided as part of the Services.

“Website” refers to katyculver.co and any associated platforms, including Kajabi, member portals, and community spaces.

“Account” refers to your registered access to our Services and platforms.

2) AGREEMENT TO TERMS

2.1 Binding Agreement By checking the box indicating acceptance of these Terms, making a payment, or accessing Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2.2 Age Requirement You must be at least 18 years old to purchase or use our Services. By agreeing to these Terms, you represent that you are at least 18 years of age.

2.3 Authority If purchasing Services on behalf of a business entity, you represent that you have authority to bind that entity to these Terms.

3) DESCRIPTION OF SERVICES

3.1 Nature of Services The Company provides business and leadership coaching, mentoring, and educational services designed to support entrepreneurs and business leaders. Services may include:

• Individual (1:1) coaching sessions
• Group coaching and mastermind programs
• Online courses and digital educational products
• Live workshops, retreats, and in-person experiences
• Community membership and peer support
• Email and message-based support (where specified)
• Access to proprietary frameworks and methods

3.2 Coaching Relationship You understand that coaching is a collaborative relationship designed to facilitate your growth, insight, and goal achievement. The coaching relationship requires your active participation, honesty, openness to feedback, and commitment to taking action.

3.3 Not Therapy or Medical Advice

IMPORTANT: Coaching is not therapy, psychotherapy, mental health treatment, or medical advice. The Company does not provide:

• Licensed mental health counseling or therapy
• Medical, health, or wellness advice or treatment
• Legal, financial, tax, or accounting advice
• Guaranteed outcomes or results

Coaching Delivery:

Coaching services are provided through scheduled sessions via video conferencing (e.g., Zoom) and designated communication platforms (e.g., Slack, Telegram, email).

Coaching is NOT provided via:

• Text message (SMS)
• Social media direct messages (Instagram, Facebook, LinkedIn, etc.)
• Unscheduled phone calls

Communication outside of scheduled sessions should occur only through official program communication channels as specified for your particular Service.

If you require mental health support, medical care, or other professional services, you must seek appropriate licensed professionals.

3.4 Your Responsibility You are entirely responsible for your own choices, actions, results, and outcomes. The Company provides guidance, support, frameworks, and education, but you maintain full control over all decisions in your business and life.

3.5 Guest Experts and Additional Providers From time to time, the Company may invite guest speakers, expert coaches, or specialized service providers to contribute to Services. This may include:

• Guest coaching or training sessions
• Specialized workshops or masterclasses
• Expert interviews or Q&A sessions
• Referrals to third-party practitioners or consultants

Important Disclaimers:

No Endorsement Guarantee:

The inclusion of guest experts does not constitute an endorsement by the Company of their methods, services, or businesses. You are responsible for evaluating any guest expert’s offerings independently.

Third-Party Services:

If you choose to engage with guest experts for services beyond what is included in your Company program, any such arrangements are between you and the third party. The Company is not responsible for:

• The quality, delivery, or results of third-party services
• Payment disputes with third parties
• Any outcomes (positive or negative) from third-party services
• The professional conduct or credentials of guest experts

Limited Liability:

Guest experts are independent contractors, not employees or agents of the Company. The Company makes no representations or warranties regarding guest expert qualifications, and is not liable for any claims arising from guest expert contributions.

Intellectual Property:

Content provided by guest experts remains their intellectual property (or their licensors’). You may not reproduce, distribute, or use guest expert content beyond your personal use in the program without their explicit permission.

Optional Participation:

Participation in guest expert sessions is optional. If a scheduled program session features a guest expert you prefer not to engage with, you may skip that session, but no refunds or credits will be provided.

4) ENROLLMENT AND PARTICIPATION

4.1 Commitment By enrolling in any Service, you commit to:

• Participating actively and in good faith
• Attending scheduled sessions or accessing content as intended
• Completing any payment obligations in full
• Respecting other participants and maintaining confidentiality
• Following the program structure and community guidelines

4.2 Eligibility The Company reserves the right to determine Client eligibility for specific programs. Not all Services are appropriate for all individuals or businesses.

5) PAYMENT TERMS

5.1 Fees and Pricing All fees are stated in U.S. Dollars (USD) and are determined by the specific Service and payment option you select at checkout.

The price you pay is the price displayed to you at checkout before you complete your purchase.

This price is confirmed in your order confirmation email and payment receipt. Prices for Services are subject to change at any time, but changes will not affect purchases already completed. The price you agreed to at checkout is the price you will pay, regardless of future price changes. You are responsible for all applicable taxes, currency conversion fees, and third-party payment processor fees.

5.2 Payment Methods We accept payment via Stripe and Kajabi Payments. By providing payment information, you:

• Represent that you are authorized to use the payment method
• Authorize us to charge your payment method for all fees
• Agree to maintain current, accurate payment information

5.3 Payment Plans If you select a payment plan:

• You authorize recurring charges according to the schedule provided at purchase
• You are obligated to complete all payments regardless of your participation in or completion of the Service
• You must ensure sufficient funds are available for each payment
• You must notify us immediately if your payment method changes or expires

5.4 Late Payment Fees If any payment is more than 10 days past due, you will be charged a late fee of the greater of:

• $75 per month for each month the payment remains outstanding, OR
• 5% of the outstanding balance

Late fees will be applied monthly until the balance is paid in full. Access to Services may be suspended during any period of late payment.

5.5 Failed Payments If a payment fails, you have a 10-day grace period to rectify the issue. After 10 days:

• Late fees will apply as specified in Section 5.4
• Your access to all Services may be suspended
• The Company may pursue collection actions
• You remain liable for all fees, late charges, and collection costs (including reasonable attorney fees)

5.6 Agreement to Specific Purchase Terms By completing checkout, you agree to:

• The specific Service(s) listed in your order confirmation
• The specific price displayed and charged at checkout
• The payment plan (if any) detailed in your order confirmation
• These Terms of Service (version number and date listed at top of this document)
• Any offer-specific terms presented at checkout

Your order confirmation email serves as your receipt and record of the terms you agreed to. Please retain this email for your records.

5.7 Full Payment Obligation

CRITICAL: By enrolling in any Service, you agree to pay the full fee regardless of: your attendance or participation level; whether you complete the program; changes in your personal circumstances; whether you achieve specific results; or any decision to stop participating.

6) REFUND POLICY

6.1 No Refunds

ALL SALES ARE FINAL. The Company does not offer refunds for any Services, including but not limited to:

• 1:1 coaching packages
• Group programs and masterminds
• Online courses and digital products
• Retreats and live experiences
• Membership or subscription programs

This policy applies regardless of: your level of participation; whether you complete the program; personal circumstances or life changes; or achieving (or not achieving) specific results.

6.2 Exceptions Refunds will ONLY be considered in the following circumstances, at the sole discretion of the Company:

• The Company cancels or fails to deliver the Service
• Legal requirements mandate a refund
• Extraordinary circumstances determined by the Company on a case-by-case basis

6.3 Requests for Consideration If you believe you have extraordinary circumstances, you may email katy@katyculver.co within 30 days of purchase to request consideration. The Company is under no obligation to grant refunds or credits and will make decisions on a case-by-case basis.

7) CANCELLATION, RESCHEDULING, AND ATTENDANCE

7.1 Client Cancellation of Enrollment If you choose to cancel your enrollment in any Service, you remain obligated to pay the full amount due. Canceling your participation does not cancel your payment obligation.

7.2 Session Cancellation/Rescheduling (1:1 Coaching) For individual coaching sessions:

• You must provide at least 48 HOURS NOTICE to cancel or reschedule
• Late cancellations (less than 48 hours notice) result in forfeiture of that session
• No-shows result in forfeiture of that session
• The Company will make reasonable efforts to reschedule sessions when proper notice is given, but rescheduling is not guaranteed
• Forfeited sessions are not refunded or credited

7.3 Session Expiration and Program Access

CRITICAL — NO PAUSING OR EXTENSIONS:

All Services, sessions, and program access are time-bound and CANNOT be paused, postponed, or extended except by written agreement from the Company.

For 1:1 Coaching Packages:

• Multi-session packages must be completed within the timeframe specified at purchase
• Individual sessions must be scheduled and completed within 3 MONTHS of purchase
• Program access begins immediately upon purchase (unless a specific delayed start date is agreed to in writing at the time of purchase) and runs for the full contracted term regardless of your participation
• Unused sessions expire at the end of the term and cannot be carried forward, extended, paused, refunded, or exchanged for other services

For Group Programs and Courses:

• Access is granted for the specific duration stated at purchase
• NOT all programs include lifetime access — your access period is clearly stated at the time of purchase
• Program access begins on your enrollment date and runs continuously for the full term
• You cannot pause program access and resume later
• Once your access period ends, you will lose access to all program materials, community, and resources (unless you purchased lifetime access as specified below)
• No refunds or extensions are provided for unused access time

Lifetime Access Programs:

• “Lifetime access” means access for the lifetime of the program, NOT your personal lifetime
• The Company reserves the right to migrate, modify, discontinue, or retire programs and platforms at any time
• If a program is discontinued, we will provide reasonable notice (typically 30–90 days) when feasible
• “Lifetime” access does not guarantee the program will exist in perpetuity or remain on the same platform
• If we migrate to a new platform, we will make reasonable efforts to transfer your access, but cannot guarantee identical functionality

7.4 Company Cancellation or Rescheduling The Company reserves the right to cancel or reschedule sessions, programs, or events due to instructor illness or emergency, insufficient enrollment, force majeure events, or other circumstances beyond reasonable control. In such cases, the Company will make reasonable efforts to reschedule or provide alternative arrangements.

8) CLIENT CONDUCT AND COMMUNITY GUIDELINES

8.1 Expected Conduct You agree to:

• Treat all participants, coaches, guest experts, and staff with respect and professionalism
• Maintain confidentiality regarding other participants’ information
• Refrain from disruptive, abusive, harassing, or inappropriate behavior
• Refrain from unsolicited promotion or selling to other participants
• Follow all platform rules and community guidelines
• Use Services only for their intended purpose

8.2 Prohibited Conduct You may NOT:

• Share, resell, or redistribute any Materials or access to Services
• Record sessions without explicit written permission
• Use Services for illegal purposes
• Violate intellectual property rights
• Spam, harass, threaten, or abuse others
• Impersonate others or provide false information
• Attempt to manipulate or game any program elements

8.3 Right to Remove

The Company reserves the right to immediately remove any Client from any Service, without refund or credit, if the Client engages in prohibited conduct, becomes disruptive or difficult to work with, violates these Terms or community guidelines, or behaves in a manner the Company deems inappropriate, harmful, or inconsistent with program values. This determination is at the sole discretion of the Company. You remain obligated to pay all amounts due even if removed from a program.

9) INTELLECTUAL PROPERTY RIGHTS

9.1 Company Ownership All Materials, content, methods, frameworks, course materials, recordings, documents, templates, website content, branding, and intellectual property provided through the Services are and remain the exclusive property of Katy Culver LLC and its licensors.

9.2 Limited License Upon enrollment, you receive a limited, non-exclusive, non-transferable, revocable license to:

• Access and use Materials solely for your personal use in connection with the Service you purchased
• Implement concepts and frameworks in your own business

9.3 Restrictions You may NOT:

• Reproduce, duplicate, copy, sell, resell, or redistribute any Materials
• Share access credentials or Materials with others
• Use Materials to create competing products or services
• Remove copyright notices or attributions
• Create derivative works from Materials
• Record, screenshot, or capture any content without explicit written permission (except for personal notes)

9.4 License Limitations and Account Sharing

Your license to access Services is personal and non-transferable.

• Login credentials are for YOUR USE ONLY
• You may NOT share passwords, logins, or access with others
• Each person must purchase their own enrollment to access Services
• We monitor for suspicious login activity and unauthorized account sharing

If we discover that you have:

• Shared your login credentials with others
• Copied, reproduced, or distributed our proprietary Materials
• Used our intellectual property in unauthorized ways

We reserve the right to:

• Immediately terminate your access without refund
• Pursue legal action for copyright infringement and breach of contract
• Seek damages, including attorney fees and costs
• Report violations to appropriate authorities

IP theft and unauthorized distribution are serious violations that harm our business and will be prosecuted to the fullest extent of the law.

9.5 Recordings and AI Processing The Company records coaching sessions, calls, and program content for the following purposes:

• Quality assurance and coach training
• Creating session summaries and action plans
• Developing content and testimonials
• Processing through AI tools (such as Claude AI, ChatGPT, or similar) to enhance service delivery, create personalized materials, and improve client experience

Communication Platforms:

We use various platforms to deliver Services and communicate with clients, including: Zoom, Slack, Telegram, Google Drive, and Kajabi.

By agreeing to these Terms, you consent to recording of all sessions you participate in via any of these platforms; consent to AI processing of your session content and materials; understand that recordings and AI-processed materials will be handled in accordance with our Privacy Policy; and acknowledge that communications on these platforms may be monitored and recorded.

9.6 Client Content Any materials, information, or content you provide during Services (“Client Content”) remain your property. However, you grant the Company a non-exclusive, worldwide, royalty-free license to use Client Content for:

• Providing the Services to you
• Creating session notes and summaries
• Internal training and quality improvement
• Testimonials (with your permission as specified in Section 10)

10) TESTIMONIALS AND MARKETING

10.1 Anonymous Testimonials (No Consent Required) The Company may use your feedback, quotes, results, and success stories as anonymous testimonials without your explicit consent, provided that your name is not included, your business name is not included, your photo or image is not included, and no other personally identifying information is included.

Examples of permitted anonymous use:

• Screenshots of Slack/Telegram messages with names redacted
• Quotes like: “This program helped me 3x my revenue in 6 months!”
• Results statements like: “A client landed 5 new clients in their first month”
• Testimonials attributed only as “Client” or “Program Participant”

10.2 Identified Testimonials (Consent Required) To use your testimonial WITH your identifying information, the Company will request your explicit written consent. This includes use of: your full name or first name; your business name; your photo or image; your geographic location; or any other identifying details.

10.3 Your Consent for Identified Testimonials If you consent to an identified testimonial, you grant the Company permission to:

• Use your name, business name, photo, and quoted feedback
• Share your testimonial on the website, social media, marketing materials, and advertising
• Edit quotes for length, clarity, and grammar (while maintaining the intended meaning)
• Use the testimonial indefinitely unless you withdraw consent

10.4 How We Request Consent We may request consent via email with a specific testimonial request, a testimonial release form, or written agreement in a coaching session summary. Your consent must be explicitly granted in writing (email is acceptable). Silence or lack of objection does NOT constitute consent.

10.5 Withdrawal of Consent You may withdraw consent for identified testimonials by emailing katy@katyculver.co. We will confirm whether the testimonial can still be used without your name or identifying information. If permission is declined, we will remove the testimonial from our website and active marketing materials within 30 days and make reasonable efforts to remove it from social media and third-party platforms. Note that materials already distributed (e.g., printed materials, third-party websites, archived content) may remain in circulation and cannot be fully recalled. Withdrawal of consent does NOT apply to anonymous testimonials (Section 10.1), which may continue to be used.

10.6 User-Generated Content in Communities By posting in our communities (Slack, Telegram, Kajabi community spaces), you acknowledge that your posts may be visible to other members; the Company may screenshot or reference community discussions for marketing purposes; names will be redacted unless you’ve provided consent for identified testimonials; and you should not post anything you wish to remain private unless that is explicitly stated.

11) CONFIDENTIALITY AND PRIVACY

11.1 Company Confidentiality The Company will maintain the confidentiality of your personal and proprietary information shared during Services, except as required by law; with your explicit consent; for AI processing and service delivery as specified in Section 9.5; as necessary to enforce these Terms; or to protect the rights, safety, or property of the Company or others.

11.2 Your Confidentiality Obligations You agree to maintain strict confidentiality regarding other participants’ identities, businesses, and shared information; proprietary Materials and frameworks; and any information designated as confidential.

11.3 Data Privacy Your personal information is handled in accordance with our Privacy Policy, which is incorporated into these Terms by reference.

12) DISCLAIMERS AND NO GUARANTEES

12.1 No Guaranteed Results

The Company makes NO GUARANTEES, representations, or warranties regarding: your results, outcomes, or success; revenue, profit, or business growth; client acquisition or retention; or specific achievements or milestones.

Your results depend entirely on numerous factors including your background, experience, work ethic, business model, market conditions, and many other variables outside the Company’s control.

12.2 Testimonials and Examples Testimonials, case studies, and examples used in marketing materials represent individual results and are not guarantees that you will achieve similar outcomes.

12.3 AS-IS Basis

ALL SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, express or implied, including but not limited to: implied warranties of merchantability; fitness for a particular purpose; non-infringement; uninterrupted or error-free service; or accuracy or reliability of Materials.

12.4 Platform and Technology The Company does not guarantee continuous, uninterrupted access to Services or platforms; error-free or bug-free technology; compatibility with all devices or systems; or security against unauthorized access (though we take reasonable measures).

13) LIMITATION OF LIABILITY

13.1 Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY’S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO THE COMPANY IN THE SIX (6) MONTHS PRECEDING THE CLAIM.

13.2 Exclusion of Damages

THE COMPANY SHALL NOT BE LIABLE FOR: indirect, incidental, special, consequential, or punitive damages; loss of profits, revenue, business, data, or opportunities; business interruption or loss of goodwill; emotional distress or reputational harm; any damages arising from your use of (or inability to use) the Services; damages resulting from unauthorized access to your information; damages from errors, omissions, interruptions, defects, or delays; or any claims arising from guest experts or third-party providers.

This limitation applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if the Company has been advised of the possibility of such damages.

13.3 Jurisdictional Limitations Some jurisdictions do not allow exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

14) INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Katy Culver LLC, its officers, directors, employees, contractors, agents, affiliates, and any guest experts or third-party providers engaged by the Company from and against any and all claims, damages, losses, costs, liabilities, and expenses (including reasonable attorneys’ fees) arising from or related to: your use of the Services; your violation of these Terms; your violation of any rights of third parties; your conduct in connection with the Services; any false or misleading information you provide; or your engagement with or use of services from guest experts or third-party providers.

15) TERM AND TERMINATION

15.1 Term These Terms remain in effect for as long as you access or use any Services or maintain an Account.

15.2 Termination by Company The Company may terminate or suspend your access to Services immediately, without prior notice or liability, for any reason, including: breach of these Terms; violation of community guidelines; disruptive or inappropriate conduct; payment failures; legal requirements; or at our sole discretion.

15.3 Effects of Termination Upon termination: your right to access Services immediately ceases; you remain obligated to pay all amounts due; sections that by their nature should survive (including payment obligations, intellectual property, disclaimers, limitations of liability, and dispute resolution) shall survive termination; and you must immediately cease using all Materials and delete any downloaded content.

15.4 No Refund Upon Termination Termination does not entitle you to any refund of fees paid or forgiveness of payment obligations.

16) DISPUTE RESOLUTION

16.1 Informal Resolution Before filing any formal claim, you agree to contact us at katy@katyculver.co and provide a detailed description of the dispute. We will attempt to resolve the matter informally within thirty (30) days.

16.2 Governing Law These Terms shall be governed by and construed in accordance with the laws of the State of Michigan and applicable federal law, without regard to conflict of law principles.

16.3 Venue and Jurisdiction Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Michigan. You consent to personal jurisdiction in these courts.

16.4 Time Limitation on Claims You must bring any claim arising from or related to these Terms or the Services within one (1) year after the cause of action arises, or the claim is permanently barred.

16.5 Class Action Waiver

TO THE EXTENT PERMITTED BY LAW, ALL CLAIMS MUST BE BROUGHT IN THE PARTIES’ INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.

17) FORCE MAJEURE

The Company shall not be liable for any failure or delay in performing obligations under these Terms due to circumstances beyond our reasonable control, including: acts of God, natural disasters, pandemics, or epidemics; war, terrorism, civil unrest, or government action; internet, telecommunications, or utility failures; strikes or labor disputes; or supplier or vendor failures. During such events, our obligations are suspended for the duration of the force majeure event. Payment obligations continue unless otherwise agreed in writing.

18) GENERAL PROVISIONS

18.1 Entire Agreement These Terms, together with our Privacy Policy; your order confirmation and receipt; any offer-specific terms presented at checkout; and the specific pricing and payment plan you selected, constitute the entire agreement between you and the Company regarding the Services and supersede all prior agreements and understandings.

In the event of any conflict between documents, the order of precedence is: (1) your order confirmation (for specific pricing and services purchased); (2) offer-specific terms (for program-specific details); (3) Master Terms of Service (for general policies); (4) Privacy Policy (for data handling).

18.2 Modifications to Terms The Company reserves the right to modify these Terms at any time. We will provide notice of material changes by posting updated Terms on our Website with a new “Last Updated” date and version number; sending email notification to your registered email address; and posting notice in active program communication channels.

Minor Updates:

Changes that are administrative, clarifying, or legally required will take effect immediately upon posting.

Material Updates:

Significant changes that alter your rights or obligations will take effect 30 days after notice is provided.

Your Continued Use:

Your continued use of Services after changes become effective constitutes acceptance of the modified Terms. If you do not agree to modified Terms, you must discontinue use of Services, though you remain obligated for any payments due under the original Terms you agreed to at purchase.

Version Control:

Each version of these Terms is identified by version number and effective date at the top of this document. You may request a copy of the specific version you originally agreed to by contacting katy@katyculver.co.

18.3 Requiring Re-Acceptance of Updated Terms For significant changes to these Terms, the Company may require existing clients to review and re-accept updated Terms to continue accessing Services. In such cases, we will provide at least 30 days notice via email; you will be prompted to review and accept updated Terms upon next login; if you do not accept updated Terms within the notice period, your access may be suspended (though payment obligations remain); and your acceptance will be recorded with date, time, and version number.

18.4 Severability If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it enforceable.

18.5 Waiver Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of the Company.

18.6 Assignment You may not assign or transfer your rights or obligations under these Terms without our prior written consent. The Company may assign these Terms without restriction.

18.7 No Third-Party Beneficiaries These Terms do not create any third-party beneficiary rights.

18.8 Notices All notices to the Company must be sent to: katy@katyculver.co. Notices to you will be sent to the email address associated with your Account.

18.9 Relationship Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and the Company.

19) CONTACT INFORMATION

For questions about these Terms, please contact: Katy Culver LLC

Email: katy@katyculver.co

By purchasing or using any Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

Document Version: v1.0 | Effective Date: February 13, 2026