Terms of Service

Last Updated: 29 January 2025

These Terms of Service (“Terms”) govern your use of the website located at https://www.KristyCohen.com (the “Website”) and any related services provided by Kristy Cohen (“we,” “us,” or “our”). By accessing or using the Website, you agree to abide by these Terms and all applicable laws and regulations. If you do not agree, you are prohibited from using or accessing this Website or our services.

We reserve the right to review and amend these Terms at our sole discretion. Any changes will be published on this page and will take effect immediately upon posting.

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1. LIMITATIONS OF USE
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By using our Website, you warrant that you will not:

• Modify, copy, create derivative works, decompile, or reverse engineer any materials or software on this Website.  
• Remove any copyright or other proprietary notations from materials or software found on this Website.  
• Transfer the materials to another person or “mirror” them on any other server.  
• Use the Website in any way that abuses or disrupts our networks or services.  
• Transmit or publish any harassing, indecent, obscene, fraudulent, or unlawful material.  
• Violate any applicable laws or regulations.  
• Send unauthorized advertising or spam.  
• Harvest or collect user data without consent.  
• Infringe on the privacy, intellectual property rights, or other rights of third parties.

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2. INTELLECTUAL PROPERTY
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All intellectual property in the materials contained on this Website is owned by or licensed to Kristy Cohen. Materials are protected by applicable copyright and trademark laws. We grant users permission to download one copy of the materials for personal, non-commercial, transitory use only. This license is not a transfer of title, and it automatically terminates if you violate any of these Terms. We reserve the right to terminate access at any time.

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3. USER-GENERATED CONTENT
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You retain intellectual property ownership rights over content you submit or post (“User Content”). By posting or transmitting User Content, you grant us a non-exclusive, royalty-free, transferable, sub-licensable, worldwide license to use, distribute, modify, copy, publicly display, translate, or create derivative works of your content consistent with your privacy preferences and our Privacy Policy.

This license can be terminated by deleting your content or account; however, to the extent we have used your content in conjunction with commercial or sponsored materials, that usage may continue until the relevant campaign or post is discontinued. You give us permission to use your username and any identifying information associated with your account in accordance with our Privacy Policy.

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4. LIABILITY
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This Website and its materials are provided on an “as is” basis. To the fullest extent permitted by law, Kristy Cohen disclaims all warranties, whether express or implied, including without limitation implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We are not liable for any consequential, indirect, or special losses arising out of or related to your use or inability to use the Website or our services.

Because some jurisdictions do not allow limitations on implied warranties or liability for consequential or incidental damages, some of these limitations may not apply to you.

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5. ACCURACY OF MATERIALS
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The materials on this Website are for general information and may not be comprehensive. Kristy Cohen makes no warranties about the accuracy, reliability, or likely results of the materials on the Website or linked resources.

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6. LINKS
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We have not reviewed all sites linked to our Website and are not responsible for their content. The inclusion of any link does not imply endorsement or control by Kristy Cohen. Your use of linked sites is at your own risk, and we recommend you investigate the suitability of those sites before relying on them.

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7. RIGHT TO TERMINATE
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We may suspend or terminate your access to the Website or our services immediately, without prior notice, for any violation of these Terms.

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8. SEVERANCE
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If any provision of these Terms is found to be unenforceable or invalid, that provision is severed to the extent it is unenforceable or invalid. The remainder of the Terms continue to apply in full force and effect.

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9. GOVERNING LAW
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These Terms and any dispute or claim arising out of or in connection with them are governed by and construed in accordance with the laws of the State of Texas, without regard to conflict-of-law principles. You irrevocably submit to the exclusive jurisdiction of the state or federal courts located in Texas for the resolution of any disputes arising out of or related to these Terms or the Website.

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10. NO REFUND POLICY
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All purchases made through KristyCohen.com, including consulting sessions, digital products, or membership fees, are final. We do not offer refunds of any kind. By completing a purchase on this Website, you acknowledge and agree to our No Refund Policy. If you have questions or concerns, please contact us before finalizing your purchase.

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11. ADDITIONAL TERMS FOR CLIENT ENGAGEMENTS
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• Scope of Work: The scope of our services will be outlined in a separate agreement or statement of work. Any changes must be agreed upon in writing.  
• Payment Terms: Payment is due as indicated in the invoice or contract. Work may be paused if payment is not received on time.  
• Client Obligations: You agree to provide feedback, materials, and approvals promptly. Delays may affect timelines.  
• Confidentiality: Both parties agree to maintain confidentiality regarding sensitive business information exchanged.  
• Termination: Either party may terminate if the other party breaches any obligations under these Terms or any separate agreement. Outstanding fees remain due in accordance with the payment schedule.

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12. MARKETING & EARNINGS DISCLAIMER
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We do not guarantee financial outcomes or specific results. All strategies, content, and coaching provided are for informational and educational purposes only and do not constitute financial advice. Any testimonials or examples shared are illustrative and are not a guarantee of future performance or success.

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13. TECHNOLOGY & AVAILABILITY DISCLAIMER
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We do not warrant that the Website or any services will be uninterrupted or error-free. You agree that we are not liable for any temporary unavailability or technical issues that may cause data loss or service interruptions.

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14. ELECTRONIC COMMUNICATIONS CONSENT
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By using our Website or services, you consent to receiving electronic communications from us (e.g., via email or SMS). You agree that any notices, disclosures, or other communications we send electronically satisfy any legal requirements for written communication.

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15. RECURRING SUBSCRIPTIONS & AUTO-RENEWALS (IF APPLICABLE)
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For recurring subscriptions or membership services offered:
• Your subscription will automatically renew unless canceled before the renewal date.  
• You authorize Kristy Cohen to charge your chosen payment method for each renewal term.  
• You may cancel any subscription by following the cancellation instructions provided in your account dashboard or contacting our support team.

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16. INDEMNIFICATION
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You agree to defend, indemnify, and hold harmless Kristy Cohen, our affiliates, and respective officers, directors, employees, and agents from any and all claims, liabilities, damages, or expenses (including reasonable attorneys’ fees) arising out of your use or misuse of the Website, breach of these Terms, or violation of any law or the rights of a third party.

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17. ARBITRATION, DISPUTE RESOLUTION & CLASS ACTION WAIVER
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Any dispute, claim, or controversy arising out of or relating to these Terms or the use of our Website shall be resolved by binding arbitration administered by a reputable arbitration organization in accordance with its rules. The arbitration shall take place in the State of Texas. By using the Website, you waive any right to participate in a class action lawsuit or class-wide arbitration.

The arbitrator’s decision shall be final and binding, and the arbitration award may be entered as a judgment in any court of competent jurisdiction in the State of Texas.

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18. FORCE MAJEURE
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We will not be liable for any failure or delay in performance due to events beyond our reasonable control, including acts of God, natural disasters, wars, civil disturbances, government actions, or internet disturbances.

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19. ENTIRE AGREEMENT
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These Terms, together with our Privacy Policy and any other legal notices published by us on the Website, constitute the entire agreement between you and Kristy Cohen regarding the Website. They supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between you and us.

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20. CHILDREN UNDER THE AGE OF 18
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Our Website is not intended for individuals under 18. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website.

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21. CONTACT INFORMATION
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If you have questions or concerns about these Terms, please contact us at:
Email: support [at] KristyCohen [dot] com
Website: https://www.KristyCohen.com

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