TERMS OF SERVICE

Effective Date: August 27, 2026

Last Updated: August 27, 2026

These Terms of Service ("Terms") are a binding agreement between you and Kae-Ar, Inc. ("Kae-Ar," "we," "us," or "our"). They govern your access to and use of https://www.karenretardo.com and its content (the "Website"), as well as purchases made through the Website. Specific coaching, consulting, speaking, workshop, course, membership, or program agreements may contain additional terms. If a signed agreement conflicts with these Terms, the signed agreement controls for that service.

By accessing the Website, submitting information, or purchasing a product or service, you agree to these Terms. If you do not agree, do not use the Website or purchase through it.

1. Eligibility

You must be at least 18 years old and legally able to enter a contract to use the Website or purchase our products and services. By doing so, you represent that you meet these requirements.

2. Educational and Coaching Nature of Content

Website content and Kae-Ar, Inc.'s coaching, educational products, assessments, workshops, and programs are provided for educational, informational, and personal or professional development purposes. Coaching is a collaborative, client-directed process. You remain responsible for your choices, actions, business decisions, well-being, and results. Nothing on the Website or in our services is medical care, nursing care, mental-health treatment, psychotherapy, crisis care, legal advice, accounting advice, tax advice, financial or investment advice, or a substitute for services from an appropriately licensed professional. Karen Retardo's nursing background and professional credentials do not create a nurse-patient, physician-patient, therapist-patient, attorney-client, accountant-client, fiduciary, or other regulated treatment relationship through the Website or a coaching engagement.

Do not disregard professional advice or delay seeking care because of information obtained through the Website or a coaching service. If you are experiencing a medical or mental-health emergency, contact 911 or the appropriate emergency service in your location.

3. No Guarantees

We make no guarantee that you will obtain clients, revenue, profit, career advancement, business growth, certification, health improvement, or any other particular outcome. Examples, testimonials, and case studies illustrate individual experiences and do not promise that you will achieve the same result. Results depend on many factors, including your circumstances, decisions, effort, skills, market conditions, and implementation.

4. Purchases and Payment

Prices are stated at checkout or in the applicable offer. You agree to provide current and accurate billing information and authorize our payment processor to charge the displayed amount, including any applicable tax. Payments may be processed through Stripe, PayPal, or another disclosed provider and are also subject to that provider's terms.

For installments or subscriptions, you authorize recurring charges on the schedule shown at checkout or in your service agreement until the payment plan is complete or the subscription is properly canceled. A payment plan is a commitment to pay the full purchase price and is not a month-to-month cancellation option unless expressly stated otherwise.

If payment fails, we may retry the charge, request another payment method, suspend access, pause services, or pursue amounts lawfully due. You remain responsible for authorized charges and any taxes or fees stated at purchase.

5. Refund Policy

Unless a specific offer, checkout page, or signed agreement expressly provides otherwise, all sales are final and nonrefundable. This includes digital products, downloads, courses, assessments, workshops, event registrations, coaching, consulting, and payment-plan installments.

Before purchasing, review the offer description and contact us with questions. Nothing in this section limits any refund, cancellation, withdrawal, or other consumer right that cannot legally be waived in your jurisdiction. If an offer states a different refund policy, that offer-specific policy controls.

6. Coaching Appointments and Cancellations

Unless a signed agreement provides otherwise, appointments must be rescheduled or canceled at least 48 hours before the scheduled start time. A session canceled with less than 48 hours' notice, or missed without notice, may be treated as used and may not be rescheduled or refunded. We may make reasonable exceptions in our discretion for emergencies or circumstances beyond your control; an exception once does not change the policy.

If Kae-Ar, Inc. must cancel a session, we will make reasonable efforts to reschedule it or provide the remedy stated in the applicable agreement. 7. Digital Products, Courses, and Access

Your purchase grants you a limited, personal, nonexclusive, nontransferable, revocable license to access and use the purchased materials for your own personal or internal business use. You may not share login credentials, copy or distribute materials, teach or adapt our frameworks, upload materials to a shared drive or artificial-intelligence system, create derivative commercial products, resell access, or otherwise exploit the materials without our prior written permission.

Access duration, delivery method, updates, and support are as described in the applicable offer. We may replace a platform or make reasonable changes that do not materially reduce the purchased product's core value.

8. Intellectual Property

The Website and its content—including text, videos, recordings, graphics, photographs, downloads, assessments, course materials, frameworks, names, logos, designs, and other materials—are owned by Kae-Ar, Inc. or used with permission and are protected by intellectual-property laws.

This includes, without limitation, Kae-Ar, Inc.'s original expression and proprietary materials associated with the Conscious Nursepreneur Ecosystem™ and other named frameworks or resources. No ownership rights transfer to you. All rights not expressly granted are reserved.

You may view the Website and print or download resources expressly offered for personal use. You may not reproduce, republish, sell, distribute, modify, scrape, frame, publicly display, create derivative works from, use to train an artificial-intelligence model, or exploit protected content without prior written permission. Brief quotations with appropriate attribution may be permitted where allowed by law.

Third-party names and marks—including CliftonStrengths®, LEGO® Serious Play®, and other referenced marks—belong to their respective owners. References do not imply sponsorship or endorsement unless expressly stated.

9. Acceptable Use

You agree not to:

  • Violate applicable law or another person's rights.

  • Interfere with Website security, availability, or operation.

  • Attempt unauthorized access to systems, accounts, or data.

  • Introduce malware, harmful code, automated scraping, or excessive requests.

  • Impersonate another person or provide materially false information.

  • Use the Website to transmit unlawful, harassing, infringing, or harmful content.

  • Copy, share, resell, or commercially exploit our content or services without permission.

We may restrict or terminate access for conduct we reasonably believe violates these Terms or threatens the Website, Kae-Ar, Inc., or another person.

10. User Content, Testimonials, and Feedback

You retain ownership of materials you submit to us. You grant us the limited rights reasonably necessary to receive, store, process, and use those materials to provide the requested service and operate our business.

We will not publicly use your name, likeness, confidential coaching information, or testimonial as promotional content without permission. If you separately authorize a testimonial, case study, recording, photograph, or other promotional use, the scope of that authorization will be governed by the applicable release or consent.

If you voluntarily send general ideas or feedback that do not contain confidential coaching content, you allow us to use that feedback without compensation or obligation, but we will not claim ownership of your underlying business or creative work.

11. Confidentiality and Online Communications

We aim to handle coaching communications with care and in accordance with applicable professional commitments and written agreements. However, ordinary email, Website forms, Google Forms, and third-party platforms may not be fully secure. Do not submit patient records, protected health information, passwords, Social Security numbers, complete financial-account information, or other unnecessary sensitive data.

Confidentiality may be limited when disclosure is required by law, reasonably necessary to prevent serious harm, needed to address a legal claim or payment dispute, or otherwise permitted by an applicable agreement or professional ethical obligation.

12. Recordings and Transcripts

We may offer Zoom recordings or Fathom-generated notes or transcripts for certain meetings. We will provide notice and obtain consent where required. Recording or transcribing a session without the knowledge and consent of all required participants is prohibited. Automated transcripts may contain errors and should not be treated as a verbatim or authoritative record.

13. Third-Party Services and Links

The Website may link to or integrate with Squarespace, Coaches Console, Calendly, Stripe, PayPal, Google, Zoom, Fathom, YouTube, Vimeo, Instagram, podcast services, and other third parties. We do not control and are not responsible for their content, availability, terms, privacy, security, or performance. Your use of a third-party service is governed by its own terms.

14. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE, CONTENT, AND PRODUCTS ARE PROVIDED "AS IS" AND "AS AVAILABLE." KAE-AR, INC. DISCLAIMS ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND AVAILABILITY. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS.

Some jurisdictions do not allow certain warranty exclusions, so parts of this section may not apply to you.

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, KAE-AR, INC. AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, BUSINESS, OR OPPORTUNITIES; OR DAMAGES ARISING FROM RELIANCE ON WEBSITE CONTENT OR THIRD-PARTY SERVICES.

TO THE FULLEST EXTENT PERMITTED BY LAW, KAE-AR, INC.'S TOTAL LIABILITY ARISING FROM THE WEBSITE OR A PURCHASE WILL NOT EXCEED THE AMOUNT YOU PAID TO KAE-AR, INC. FOR THE PRODUCT OR SERVICE GIVING RISE TO THE CLAIM DURING THE SIX MONTHS BEFORE THE EVENT, OR USD $100 IF YOU PAID NOTHING.

These limitations do not apply where prohibited by law or to liability that cannot legally be limited.

16. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Kae-Ar, Inc. and its owners, officers, employees, contractors, and agents from third-party claims, losses, liabilities, and reasonable costs arising from your unlawful use of the Website, your violation of these Terms, or your infringement of another person's rights. This obligation does not apply to the extent a claim results from Kae-Ar, Inc.'s own unlawful conduct.

17. Governing Law and Disputes

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Before filing a claim, you and Kae-Ar, Inc. agree to make a good-faith effort to resolve the dispute informally by written notice and at least 30 days for discussion, unless urgent injunctive relief is reasonably necessary.

Unless applicable consumer law requires otherwise, any court proceeding arising from these Terms, the Website, or a purchase must be brought in a state or federal court with jurisdiction in Orange County, California, and each party consents to that venue and personal jurisdiction.

Nothing in this section deprives a consumer of non-waivable rights or protections provided by the law of the consumer's place of residence.

18. Changes, Availability, and Termination

We may update the Website, discontinue content, or revise these Terms. The updated Terms will be posted with a new "Last Updated" date. Material changes apply prospectively unless law permits otherwise. Your continued use after revised Terms become effective constitutes acceptance of the revised Terms.

We may suspend or terminate access when reasonably necessary to protect security, enforce these Terms, comply with law, or address nonpayment or misuse. Provisions that by their nature should survive termination—including payment, intellectual property, disclaimers, liability limits, and dispute terms—will survive.

19. General Terms

These Terms, the Privacy Policy, the applicable offer terms, and any signed agreement constitute the relevant agreement between you and Kae-Ar, Inc. If part of these Terms is unenforceable, it will be modified only to the minimum extent necessary, and the rest will remain effective. Our failure to enforce a provision is not a waiver. You may not assign your rights under these Terms without our written consent. We may assign these Terms in connection with a business transfer or reorganization.

20. Contact

Questions about these Terms may be sent to:

Kae-Ar, Inc.

Email: hello@karenretardo.com

Website: https://www.karenretardo.com