Last updated: November 2025

Please read these Terms 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, based in the State of Florida, USA.

By using this Site, you indicate that you have read, understood, and agree to abide by these Terms at all times.

Scope of Services

These Terms apply to all services, digital offerings, and resources provided through the Site. This may include:

• Digital downloads (including the mp3 file)

• Email list and newsletter access

• Book-related digital content

• Workshops or virtual events

• Coaching or mentoring offerings (current or future)

Details for each service or product will be presented at the time of purchase or enrollment.

Fees & Payment

Payment may be required to access certain digital products, workshops, or coaching services.

• Payment must be submitted in full at checkout unless a payment plan is explicitly provided.

• Once digital content or services begin, payments are non-refundable.

• Accepted payment methods may include credit cards, PayPal, Stripe, or other processors listed at checkout.

By submitting payment information, you authorize the charge to your selected payment method.

Client Responsibilities

If you purchase or participate in any service, you agree to:

• Provide accurate, complete information

• Respond in a timely manner when communication is needed

• Ensure any content shared (such as questions, forms, or coaching materials) is your own or properly permitted for use

Delays in communication may affect timelines and service delivery.

Confidentiality

Any personal or private information shared through:

• Contact forms

• Coaching sessions

• Email communication

• Workshop participation

will remain confidential and will not be shared without your express consent, unless required by law.

Liability

While every effort is made to offer accurate resources and supportive guidance, Lori Karsch is not liable for:

• Indirect losses

• Business delays

• Personal decisions made based on Site material

• Technical issues or interruptions

All use of Site content and services is at your own discretion and risk.

Completion & Follow-Up

For paid services or coaching offerings:

• You will receive any agreed-upon materials upon completion (such as worksheets, summaries, or recordings).

• A reasonable follow-up period (typically seven days unless otherwise noted) may be provided for questions or minor clarifications.

Follow-up does not replace ongoing coaching or extended support unless included in the purchased service.

Amendments to Terms

These Terms may be updated as offerings evolve or legal requirements change. Updates will apply to future use of the Site.

The “Last Updated” date will be revised each time changes are made.

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.

Contact Details

If you have any questions or concerns, you may contact:

Email: lori@lorikarsch.com