Terms & Conditions

KMR Creative LLC and katereddish.com – Terms & Conditions

Updated on August 13, 2025

Please read these Terms & Conditions carefully before using katereddish.com (the “Site”). The Site and its content are owned by KMR Creative LLC (“Company,” “we,” “us,” or “our”).

1. Purpose

These Terms & Conditions explain the rules for using, viewing, and/or purchasing from the Site, including any courses, programs, services, or products offered by us.

2. Important Notes

By using the Site, you voluntarily agree to these Terms & Conditions and confirm that you have read and understood them.
You must be at least 18 years old to use the Site or make purchases.
If you are under the age of 18, or do not agree with these Terms & Conditions, please stop now and do not use the Site or its content.
These Terms & Conditions contain an Arbitration Clause (Section 18) requiring disputes to be resolved through binding arbitration rather than a jury trial.

3. Definitions

  • Company / We / Us / Our: KMR Creative LLC and katereddish.com

  • Content: All written, visual, audio, or video materials on the Site, including emails, downloads, templates, blog posts, designs, and educational materials.

  • Personal Information: Information that identifies you, such as your name, email, address, or phone number.

  • Site, Courses, Services, and/or Products: katereddish.com and all related offerings, including Content (as defined herein), email newsletters, social media posts, blog posts, courses, coaching, guides, eBooks, worksheets, webinars, website materials, and templates.

  • You / Your: The user, customer, or viewer of the Site.

4. Consent

By using the Site and/or making any purchase, you agree to comply with these Terms & Conditions and our Privacy Policy.
By using the Site and/or making any purchase, you represent and warrant that you are at least 18 years old.

5. Site Rules

You agree not to:

  • Harass or abuse others via the Site.

  • Post or transmit obscene, defamatory, infringing, pornographic, or abusive content, including material that violates our intellectual property rights or those of others.

  • Violate U.S. laws.

  • Post spam or copyrighted material you don’t own.

  • Promote or sell your own products through the Site without written permission.

  • Copy or share our intellectual property without authorization.

6. Disclaimer

We are a Consulting COO and Coach—not an attorney, CPA, accountant, financial advisor, therapist, or doctor. All content is for educational purposes only and not a substitute for professional advice.

7. Changes to Terms

We may update these Terms & Conditions at any time without notice. The “Updated on” date will be revised when changes are made.

8. Intellectual Property Ownership

The Site and its Content are intellectual property solely owned by KMR Creative LLC.

9. Our Limited License to You

If you view, access, or purchase the Site, Courses, Services, and/or Products, you are considered our Limited Licensee (“Licensee”). As a Licensee, you agree and understand that the Site, Courses, Services, and/or Products have been written, created, drafted, invented, and developed by us after a significant investment of time, money, education, hard work, and expertise.
You may not use the Site, Courses, Services, and/or Products in any manner that is unauthorized, improper, against these Terms & Conditions or our Privacy Policy, or that violates U.S. intellectual property laws, unless authorized by us in writing beforehand.

10. Your License to Us

By commenting on the Site, or submitting documents to KMR Creative LLC via contact form, email, or social media, you represent that you are the lawful owner of said documents, statements, and/or the information they contain. You grant us a license to use your comments or submissions in any way we see fit, as it relates to our business purposes.

11. Purchase & Access Terms

During the course of your use, purchase, and/or download from the Site, Courses, Services, and/or Products, you agree not to distribute, copy, forward, and/or share information prohibited by these Terms & Conditions. You also agree to take all necessary steps to ensure that you do not inadvertently share or distribute such materials, including, but not limited to, protecting your password (if any) to access your purchase or download. Any violations of these Terms & Conditions will be legally pursued to the fullest extent permitted by law.

12. Sharing the Site & Its Content

You must request and receive written permission by email, kmr@katereddish.com, before sharing our Site and its Content for commercial purposes. You may share the site for personal purposes, but we ask that you link directly to the Site. You are required to give us and the Site credit by linking to the Site and its Content if you share it on social media or your own website, including all photographs. Since the Site and its Content are not yours, you may not in any way imply or represent that the Site or its Content are yours or that you in any way created, caused, or contributed to the Site or its Content. You may not make any claims that you are in any way associated with KMR Creative LLC.

13. No Claims Made Regarding Results

Any and all current or past-client testimonials, statements, or examples used by us are simply that: examples. They are not guarantees that you will also experience or receive the same results. Each client and his/her circumstances are unique and nothing shall be interpreted as a guarantee that you will experience the same results as another client of ours.

14. DISCLAIMER - No Warrantees, Guarantees, or Representations Are Being Made

We do not offer any warranties, of any variety, regarding the Site, Courses, Services, and/or Products, and/or your Purchase or Download, in any way. The Site, Courses, Services, and/or Products, and/or your Purchases or Downloads are offered “AS IS” and without warranties of any kind, neither express nor implied, to the extent permitted by law.

15. Your Release of Us

By using the Site or Purchasing, Downloading, or using KMR Creative LLC’s Courses, Services, and Products, you agree to release, forgive, and forever discharge KMR Creative LLC, its subsidiaries, employees, agents, contractors, subcontractors, and affiliates from any and all claims, suits, actions, charges, demands, liabilities, damages, judgments, and/or costs, whether known or unknown, both legal and equitable in any manner.

16. Errors & Omissions

Every effort is made to provide up-to-date accurate information both on the Site and through our services. However, due to the complexity of the issues we cover, KMR Creative LLC does not and cannot warrant, represent, or guarantee that such information is free from errors, accurate, or up-to-date at all times. You should do your due diligence, research, or consult with a professional to ensure that all information you receive, act upon, or rely on from this Site and/or from our services is accurate and up-to-date.

17. Our Refund Policy

We will do everything within our ability (and within reason) to ensure your satisfaction. Refunds will not be issued for coaching services already rendered or products already purchased. If you have any questions or concerns, or if there is anything we can do to make your experience a more pleasant one, please email us at kmr@katereddish.com.

18. ARBITRATION CLAUSE

If you have any complaint or should any issue arise in the use of the Site or KMR Creative LLC’s Courses, Services, and/or Products, please contact us directly first by emailing us at kmr@katereddish.com.
However, if we are unable to amicably resolve your dispute in that manner, you agree that you and KMR Creative LLC shall submit your dispute to binding arbitration with the American Arbitration Association, before an arbitrator that is mutually agreed upon, in accordance with the American Arbitration Association’s (“AAA”) rules.
By agreeing to this term, you hereby agree and understand that you’re waiving your right to a jury trial in court, which would otherwise be available to you if not for this Arbitration Clause. Should any arbitration hearing need to be held, it shall be held within 50 miles of Cambria, CA.
If the arbitrator issues an award and a judgment is made, the judgment will be binding and will be entered in court in the State of California. The only award that can be issued to you is a refund of any payment made to KMR Creative LLC for the applicable Product or Service. You are not permitted to seek additional damages, including consequential or punitive damages.

19. Consent to Governing Law

These Terms & Conditions, and any dispute arising out of it, shall be governed by the laws of the State of California.

20. Consent to Jurisdiction

You hereby irrevocably consent to the exclusive jurisdiction and venue of any Federal Court in the United States District Court for the District of California or a state court located within the State of California in connection with any matter arising out of these Terms & Conditions, and/or Privacy Policy, or as a result of your use, Download, or Purchase from the Site, Courses, Services, and/or Products.

21. Consent to Service

You hereby irrevocably agree that process may be served on you in any manner authorized by the Laws of the State of California for such persons, and you waive any objection which you might otherwise have to service of process under the laws of the State of California.

22. Payment & Purchases

When you Purchase or Download one of our Courses, Services, and Products from us or the Site, you may pay by Credit Card, PayPal, Zelle, Venmo, and EFT. By doing so, you give KMR Creative LLC permission to automatically charge your credit card for payment. You will receive an electronic receipt following your Purchase, which you should retain for your records.
If you elect the installment or “pay over time” option at checkout, you agree that KMR Creative LLC has permission to automatically charge, without checking with you before each installment transaction is charged, the amount due on the date(s) agreed upon at checkout.
If your payment method fails or is otherwise declined, you will be removed from, or canceled from having access to, our Courses, Services, and Products. Please note, in the event your payment method is declined at any time, you are still responsible for the full cost of your Purchase.
We do not accept any chargeback threats (real or threatened). If any chargebacks are placed on a Purchase or Download of our Courses, Services, and Products, we will report said incident to the major credit reporting agencies. Doing so could have a negative impact on your credit report and/or credit score. Should we need to do so and you would like to have this report removed from your credit report, please contact us to arrange for payment owed. Once payment owed is received, we will make the appropriate reports to the credit agencies.
Payment processing companies may have different privacy policies and practices than we do. We are not responsible for the policies of the payment processing companies. As with any online purchase, there are circumstances beyond our control which may compromise your credit card or payment method. We are not liable or responsible for any of those circumstances.
You hereby release us from any and all damages related to your payment or use of our payment processing companies in which you incur and further agree not to assert any claims against us or them for any damages which arise from your Purchase or use of our Site and its Content.

23. Limitation of Liability

KMR Creative LLC is not responsible or liable in any way for any and all damages you receive directly or indirectly from your use, Purchase, or Download from our Site, Courses, Services, and/or Products. We do not assume liability for damages, injuries, harm, death, misuse of (or failure to properly use) information or documents, due to any act, or failure to act, by you. Notwithstanding anything to the contrary contained herein, your sole and exclusive remedy for negligence, failure to perform, or breach by us shall be a refund of the amount paid for such service or product. IN NO EVENT SHALL WE BE LIABLE TO YOU FOR ANY INDIRECT, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES.

24. Defense & Indemnification

You shall, at all times, indemnify, defend, and hold harmless KMR Creative LLC, Kathryn (Kate) Reddish, and all of our shareholders, officers, members, affiliates, contractors, subcontractors, directors, assignees, employees, and licensees from and against all losses, damages, injuries, delays, deaths, lost profits, and expenses arising out of any proceeding (a) brought by either a third-party or by KMR Creative LLC and Kathryn (Kate) Reddish (b) arising out of your breach of your obligations, representations, warranties, or covenants under these Terms & Conditions or the Privacy Policy; and (c) arising out of any alleged breach or negligence said to have been committed by us.

25. Termination of Your Use

At our sole discretion, we are permitted to terminate your use or access to the Site, Courses, Services, and/or Products, and Purchases/Downloads if you abuse, violate, or breach any of these Terms & Conditions and/or Privacy Policy, or any other terms to which you have agreed to.

26. Entire Agreement

These Terms & Conditions and our Privacy Policy and Disclaimer, constitute the entire agreement between you and us with respect to the Site, Courses, Services, and/or Products, and they supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between you and us with respect to the Site, Courses, Services, and/or Products.

27. Severability

The provisions of these Terms & Conditions are severable, and the invalidity or unenforceability of any provision shall not affect the validity and enforceability of any other provision herein. If any paragraph, section, subsection, sentence, or clause of these Terms & Conditions are rendered illegal, invalid, or unenforceable, such illegality, invalidity, or unenforceability shall have no effect on these Terms & Conditions as a whole or on any other paragraph, section, subsection, sentence, or clause herein.

28. Your Privacy & Security on the Site

Please read our Privacy Policy for how we handle your personal information.

29. Contact

If you have any questions or concerns regarding these Terms & Conditions, you may contact us using the following information:
Website: katereddish.com
Email: Kate at kmr@katereddish.com
Business Address: 2118 Andover Place, Cambria, CA, 93428