Last updated: November 2025

Please read these Terms and Conditions carefully before using this Site.

These Terms and Conditions (the “Terms”) govern the use of www.lorikarsch.com (the “Site”).
The Site is owned and operated by Lori Karsch. This Site provides digital content, mailing list resources, downloads (including an mp3), and may include coaching services in the future.

By using this Site, you acknowledge that you have read, understood, and agree to follow these Terms at all times.

Intellectual Property

All content on this Site is the property of Lori Karsch. This includes, but is not limited to:

• Text, images, graphics, and logos

• Digital downloads (including the mp3)

• Book-related content and materials

• Coaching or educational materials

• Website design and structure

No content may be copied, reproduced, distributed, or used without written permission from Lori.

Sale of Goods & Services

This Site may offer:

• Digital downloads (including the mp3 file)

• Book-related materials

• Online courses

• Workshops

• Coaching services (as offerings expand)

All products and services listed on the Site are subject to availability at the time of access.
Descriptions and images are provided as accurately as possible, though variations may occur.
You agree to purchase products and services at your own discretion and risk.

We reserve the right to update, modify, reject, or cancel any order if necessary.
If an order is cancelled after payment has been processed, a refund will be issued promptly.

It is the User’s responsibility to monitor their payment method to confirm receipt of the refund.

Payments

Payment is due at the time of purchase.

Accepted payment methods may include:

• Visa, Mastercard, American Express

• PayPal

• Stripe

• Other payment processors added in the future

By submitting your payment information, you authorize:

• The use of your payment method

• The charging of applicable fees

If we believe a payment violates any law or these Terms, we reserve the right to cancel or reverse the transaction.

Consumer Protection Law

If consumer protection laws in your region apply and cannot be excluded, these Terms do not limit your rights.

In any case where these Terms conflict with mandatory consumer laws, those laws will prevail.

Links to Third-Party Websites

This Site may contain links to third-party websites.

We do not own, manage, or assume responsibility for:

• Their content

• Their policies

• Their business practices

Users are encouraged to read the Terms and Privacy Policies of any external websites before engaging with them.

Limitation of Liability

To the fullest extent permitted by law, Lori Karsch, her team, contractors, and affiliates are not liable for:

• Losses

• Damages

• Claims

• Costs or expenses

• Legal fees

arising from your use of the Site or any of its content, downloads, or services.

Indemnity

By using this Site, you agree to indemnify and hold harmless Lori Karsch and any associated team members from any:

• Claims

• Losses

• Liabilities

• Damages

• Legal fees

resulting from your use of the Site or your breach of these Terms.

Applicable Law

These Terms are governed by the laws of the State of Florida, and the applicable federal laws of the United States, without regard to conflict-of-law principles.

Severability

If any part of these Terms is found to be invalid or unenforceable under applicable law, that portion will be removed.

All remaining sections will continue to apply.

Changes to These Terms

These Terms may be updated periodically to reflect:

• Changes in legal requirements

• Updates to Site offerings

• Adjustments to how the Site operates

The “Last Updated” date will be revised accordingly.

Users may also be notified by email when significant changes are made.

Contact

If you have any questions or concerns regarding these Terms, you may contact:

Email: lori@lorikarsch.com