Terms of Service

Kristine Rucker Coaching LLC Terms & Conditions
Effective Date: 2026
Company Name: Kristine Rucker Coaching LLC
Websites & Platforms Covered
These Terms & Conditions apply to all products, content, and services offered by
Kristine Rucker Coaching LLC, including but not limited to those sold or accessed
through our official websites (https://thearmcoach.com and https://kristinerucker.com),
as well as affiliated platforms such as SamCart, Fourthwall, Instagram, YouTube, and
any other official Kristine Rucker Coaching LLC sales or content channels.
Introduction
These Terms and Conditions (“Terms”) govern your use of all digital products, coaching
programs, courses, templates, and services (“Products”) provided by Kristine Rucker
Coaching LLC (“Company”, “we”, “our”, or “us”). By checking the box on our checkout
page and completing your purchase, you (“Customer”, “You”, or “Your”) agree to be
bound by these Terms.
PLEASE READ THESE TERMS CAREFULLY BEFORE MAKING A PURCHASE. BY
COMPLETING YOUR PURCHASE, YOU ACKNOWLEDGE THAT YOU HAVE READ,
UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS.

SECTION 1. ELIGIBILITY AND CAPACITY

By using our Products, you represent and warrant that:
You are at least 18 years old and legally capable of entering into a binding contract
You have the legal capacity to comply with these Terms
All information you provide is accurate and complete
You are not prohibited from receiving our Products under applicable laws

SECTION 2. PRODUCT ACCESS AND LIFETIME LICENSE

2.1 Access Duration
Upon purchase, you are granted access to the purchased Product for the lifetime of that specific Product, subject to these Terms and your continued compliance with them.

2.2 Product Updates vs. New Products
Included Updates: You will receive access to updates, improvements, bug fixes, and supplementary materials added to your purchased Product at no additional charge
Excluded New Products: We may create and release entirely new products, courses, or programs that are substantially refilmed, redesigned, or reimagined versions of similar subject matter. These new standalone products are NOT included in your original purchase and will require separate purchase

Definition of New Product: A new product is considered separate if it is marketed as a distinct offering, has a separate product name or version number (e.g., “Version 2.0” or “Advanced Edition”), or is presented as a successor or replacement product

2.3 Platform Changes and Service Continuity

We reserve the right to change hosting platforms, learning management systems, or delivery methods for your Product
If we migrate to a new platform, you will be provided access to your purchased content on the new platform at no additional cost
We will provide reasonable notice (minimum 30 days) before any platform migration that requires action on your part

2.4 Business Closure or Product Discontinuation

In the event we cease operations or discontinue a Product, we will make reasonable efforts to provide you with downloadable copies of your purchased materials or at minimum 90 days’ notice
“Lifetime access” means the lifetime of the Product offering, not an absolute guarantee of perpetual access
We are not liable for circumstances beyond our reasonable control that prevent continued access (see Force Majeure section)

SECTION 3. INTELLECTUAL PROPERTY

3.1 Ownership
All content provided in our Products—including but not limited to videos, templates, PDFs, graphics, logos, trademarks, written material, audio recordings, and software—is the sole intellectual property of Kristine Rucker Coaching LLC and is protected by
United States and international copyright, trademark, and other intellectual property
laws.

3.2 Limited License
You are granted a limited, non-exclusive, non-transferable, revocable license for personal or internal business use only. This license does not grant you any ownership rights.

3.3 Prohibited Uses
You may NOT: 
Share, distribute, reproduce, copy, or resell any part of the content
Post content to public websites, file-sharing platforms, or social media
Use the content for commercial training or to teach others (unless explicitly permitted in
your Product description)
Remove, alter, or obscure any copyright, trademark, or proprietary notices
Create derivative works based on our content without express written permission

3.4 Use of Likeness & AI Restrictions
You may not use any photographs, video, voice, likeness, or content from Kristine Rucker Coaching LLC including appearances on video, social media, or public platforms—for the purpose of training, generating, or reproducing content through artificial intelligence (AI) or machine learning technologies. This includes but is not limited to:
Deepfakes or synthetic media
Voice replication or cloning
Image generation or manipulation
AI model training datasets
Automated content creation systems
Any such use is strictly prohibited and may result in immediate termination of access, legal action for violation of publicity rights, intellectual property infringement, misrepresentation, and statutory damages.

3.5 Enforcement
Any unauthorized use may result in immediate revocation of access without refund and potential legal action, including claims for monetary damages and injunctive relief.

SECTION 4. PAYMENT TERMS AND PROCESSING

4.1 Payment Processing
All payments are processed through third-party payment processors including but not limited to Stripe, PayPal, and other authorized payment gateways. By making a purchase, you agree to the payment processor’s terms of service.

4.2 Pricing and Currency
All prices are stated in U.S. Dollars (USD) unless otherwise indicated
Prices are subject to change at any time without notice
Any price changes will not affect existing purchases or active payment plans

4.3 Payment Plans
If you select a payment plan option: 
You authorize us to charge your payment method on the scheduled dates
Failure to make a scheduled payment may result in suspension of access until payment is received
You remain obligated to complete all payments even if you stop using the Product
Payment plans are not cancellable, and you are liable for all installments regardless of
Product usage

4.4 Failed Payments
If a payment fails, we will: 
Attempt to contact you via email
May attempt to process the payment up to 3 additional times
Suspend access if payment is not received within 15 days
Charge a $25 failed payment administrative fee (where permitted by law)

4.5 Taxes
You are responsible for any applicable sales tax, VAT, GST, or other taxes based on your location. We will collect such taxes where required by law.

4.6 Chargebacks and Disputes
Unauthorized Chargebacks: If you initiate a chargeback or payment dispute through your bank or payment processor without first contacting us at kristine@kristinerucker.com to resolve the issue, we reserve the right to:
Immediately terminate your access to all Products
Report the incident to chargeback prevention services
Pursue collection of the disputed amount plus administrative fees and legal costs
Deny you future access to our Products and services
Good Faith Disputes: If you have a legitimate concern, please contact us first so we can work toward a resolution
Chargeback Fees: If a chargeback is filed and later reversed in our favor, you will be responsible for any chargeback fees charged by the payment processor (typically $15- $25 per incident)

SECTION 5. HEALTH, FITNESS, AND EDUCATIONAL DISCLAIMER

5.1 Educational Purpose Only
All products, programs, courses, coaching materials, videos, downloads, templates, and content provided by Kristine Rucker Coaching LLC are intended solely for educational and informational purposes.
Kristine Rucker Coaching LLC is not a licensed medical provider, physician, registered dietitian, physical therapist, psychologist, or mental health professional. Nothing contained within our Products should be interpreted as medical, psychological, nutritional, therapeutic, or healthcare advice.

5.2 No Medical Advice

Our Products are not intended to diagnose, treat, cure, prevent, or manage any disease, medical condition, injury, or illness.
Any information related to exercise, movement, nutrition, lifestyle habits, wellness, or personal development is provided for educational purposes only.
You should consult with a qualified healthcare provider before beginning any exercise program, changing your diet, making lifestyle changes, or implementing recommendations contained in our Products.

5.3 Individual Responsibility
You acknowledge and agree that you are solely responsible for your own health decisions, actions, and results.
You are responsible for determining whether participation in any Product is appropriate for your personal circumstances, fitness level, physical condition, and medical history.

5.4 No Professional Relationship
Your purchase of any Product does not establish a physician-patient relationship, therapist-client relationship, dietitian-client relationship, fiduciary relationship, or any other professional healthcare relationship with Kristine Rucker Coaching LLC.

SECTION 6. RESULTS DISCLAIMER

6.1 No Guarantees
Kristine Rucker Coaching LLC makes no guarantees, representations, or warranties regarding any specific outcome from participation in our Products.
We do not guarantee:

    6.2 Individual Results Vary
    Every participant is different. Results vary significantly based on factors including but not limited to:

    6.3 Testimonials
    Any testimonials, success stories, client examples, before-and-after photos, or customer experiences shared by Kristine Rucker Coaching LLC represent individual experiences only.
    These examples do not guarantee that you will achieve the same or similar results.
    Testimonials are provided for illustrative purposes only and should not be interpreted as a promise, guarantee, or prediction of future results.

    6.4 No Typical Results Claim
    There is no “typical” result.
    Some customers achieve significant results, some achieve modest results, and some achieve little or no measurable change.
    Your results depend largely on your own actions, consistency, circumstances, and personal factors.

    SECTION 7. META (FACEBOOK/INSTAGRAM) ADVERTISING COMPLIANCE

    7.1 Advertising Standards
    All advertising conducted on Meta platforms (Facebook, Instagram, WhatsApp, Messenger) complies with Meta’s Advertising Policies, including but not limited to:
    Prohibited and restricted content policies
    Community Standards
    Commerce Policies
    Data Use policies

    7.2 Health and Wellness Claims
    If our Products relate to health, wellness, fitness, or personal improvement:
    We do not make claims about curing, treating, or preventing diseases
    We do not guarantee specific health outcomes
    Individual results vary and depend on personal factors
    Consult healthcare professionals before making health decisions

    7.3 Financial Products and Services
    For Products related to business, finance, or income generation:
    We comply with Meta’s requirements for transparent disclosure of risks
    We clearly disclose that results are not guaranteed
    We do not engage in deceptive or misleading practices
    We maintain appropriate disclaimers near all claims

    7.4 Data Collection and Privacy
    We collect data from Meta platforms in accordance with Meta’s Platform Policies
    We do not use Meta data for purposes prohibited by Meta
    Our use of Meta pixels and tracking complies with applicable data protection laws
    See our Privacy Policy for complete details on data handling

    SECTION 8. TECHNOLOGY REQUIREMENTS AND ACCESS

    8.1 Your Technical Responsibility
    You are responsible for: 
    Maintaining a reliable internet connection
    Providing compatible devices and up-to-date web browsers
    Ensuring your email address is accurate and you can receive our emails
    Managing your login credentials securely
    Installing any necessary software or applications

    8.2 Minimum Requirements
    Our Products may require: 
    High-speed internet connection (minimum 5 Mbps recommended)
    Modern web browser (Chrome, Firefox, Safari, or Edge – latest two versions)
    Enabled cookies and JavaScript
    Device with sufficient storage space for downloads
    PDF reader for document-based materials
    Specific software applications as noted in Product descriptions

    8.3 No Technical Support Guarantee
    While we strive to provide responsive support, we do not guarantee:
    24/7 technical support availability
    Compatibility with all devices or configurations
    Resolution of technical issues caused by your device, internet service, or third-party software
    Assistance with general computer or device troubleshooting

    8.4 Platform Availability
    We strive for continuous availability but do not guarantee uninterrupted access. Our platform may be unavailable due to:
    Scheduled maintenance (we will provide notice when possible)
    Emergency repairs or updates
    Third-party service provider outages
    Circumstances beyond our reasonable control
    No refunds will be issued for temporary service interruptions.

    SECTION 9. ASSUMPTION OF RISK, MEDICAL CLEARANCE, AND RELEASE

    9.1 Medical Clearance
    By purchasing or participating in any Product offered by Kristine Rucker Coaching LLC, you represent and warrant that:

      9.2 Assumption of Risk
      You understand and acknowledge that participation in exercise, fitness, strength training, resistance training, stretching, mobility work, and physical activity involves inherent risks.
      These risks include but are not limited to:

      You voluntarily assume all risks associated with participation in our Products.


      9.3 Release of Liability
      To the fullest extent permitted by law, you release, waive, discharge, and hold harmless Kristine Rucker Coaching LLC, Kristine Rucker individually, its employees, contractors, agents, affiliates, successors, and assigns from any and all claims, liabilities, damages, injuries, losses, costs, or expenses arising from or related to your participation in any Product.

      9.4 Personal Responsibility
      You acknowledge that all decisions regarding exercise, nutrition, wellness, and lifestyle changes are your responsibility.
      You assume full responsibility for any actions taken based on information contained
      within our Products.

      SECTION 10. NO REFUND POLICY

      Due to the immediate delivery and accessibility of digital products, all sales are final.

      10.1 All Sales Final
      All sales are final. This includes but is not limited to:
      Digital courses and programs
      Downloadable templates and resources
      Recorded workshops and masterclasses
      Tickets to live events (virtual or in-person)
      Membership subscriptions
      Coaching packages
      Bundles and special offers

      10.2 No Refunds, Exchanges, or Credits
      No refunds, exchanges, chargebacks, or credits will be issued under any
      circumstances, including but not limited to:
      Change of mind or buyer’s remorse
      Failure to use or access the Product
      Dissatisfaction with content or results
      Technical difficulties on your end
      Financial hardship or inability to pay remaining installments
      Duplicate purchases

      10.3 Non-Delivery or Access Issues
      If you experience legitimate non-delivery or access issues:
      Contact us immediately at kristine@kristinerucker.com
      We will work with you to resolve access issues
      If we cannot provide access to your purchased Product due to our error, you may be eligible for a refund
      You must report access issues within 30 days of purchase

      10.4 Legally Required Exceptions
      Any legally required exceptions (such as those under California Consumer Protection laws, EU consumer protection laws, Australian Consumer Law, or other applicable consumer protection statutes) will be honored in accordance with applicable law. To invoke these rights, you must contact us with documentation of your eligibility.

      10.5 Payment Plan Obligations
      If you selected a payment plan, you remain obligated to complete all scheduled payments regardless of Product usage. Non-payment may result in:
      Suspension or termination of access
      Collection actions
      Negative reporting to credit agencies (where applicable)
      Legal action to recover amounts owed

      SECTION 11. LIMITATION OF LIABILITY

        11.1 Maximum Liability
        To the fullest extent permitted by law, the total liability of Kristine Rucker Coaching LLC to you for any and all claims arising from or related to your use of our Products, whether in contract, tort, strict liability, or otherwise, shall not exceed the amount you actually paid to Kristine Rucker Coaching LLC for the specific Product at issue.

        11.2 Exclusion of Damages
        In no event shall Kristine Rucker Coaching LLC be liable for: 
        Indirect, incidental, special, consequential, or punitive damages
        Lost profits, revenue, or business opportunities
        Loss of data or business information
        Cost of substitute goods or services
        Business interruption or loss of use
        Damages arising from reliance on content or strategies taught
        Emotional distress or reputational harm
        This exclusion applies regardless of whether we were advised of the possibility of such damages.

        11.3 Basis of Bargain
        You acknowledge that this limitation of liability is an essential element of the agreement between you and Kristine Rucker Coaching LLC and that we would not offer the Products at the current price without these limitations.

        11.4 Jurisdictional Variations
        Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages or other limitations on liability. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

        SECTION 12. INDEMNIFICATION

        You agree to indemnify, defend, and hold harmless Kristine Rucker Coaching LLC, its owners (including Kristine Rucker individually), officers, employees, contractors, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees and court costs) arising from or related to:
        Your use or misuse of our Products
        Your violation of these Terms
        Your violation of any third-party rights, including intellectual property, privacy, or publicity rights
        Your violation of any applicable laws or regulations
        Any content you submit, post, or transmit through our platforms
        Any disputes or claims you have with other users or third parties
        Your business activities or implementation of strategies taught in our Products
        Any representations or warranties you make that are based on our content
        This indemnification obligation survives termination of these Terms and your use of our Products.

        SECTION 13. TERMINATION OF ACCESS

          13.1 Grounds for Termination
          We reserve the right to suspend or permanently revoke your access to any or all Products if you:
          Violate these Terms in any material way
          Share, distribute, or resell our proprietary content
          Engage in abusive, threatening, or harassing behavior toward our team or community
          Initiate chargebacks or fraudulent payment disputes
          Use our Products for illegal or unethical purposes
          Provide false information or misrepresent your identity
          Attempt to circumvent security measures or technological protections

          13.2 Notice and Opportunity to Cure
          In most cases (except for severe violations), you will receive written notice via email and will have five (5) business days to resolve the issue or provide an explanation. Severe violations (such as intellectual property theft, fraud, or threatening behavior) may result in immediate termination without notice or opportunity to cure.

          13.3 Effect of Termination
          Upon termination: 
          Your access to all Products will be immediately revoked
          You must cease all use of our materials
          You must delete or destroy any downloaded content
          You remain liable for any outstanding payment obligations
          No refunds will be issued
          Sections of these Terms that by their nature should survive (including but not limited to Intellectual Property, Limitation of Liability, Indemnification, and Dispute Resolution) shall survive termination

          13.4 Your Right to Terminate
          You may cease using our Products at any time, but such cessation does not:
          Entitle you to a refund
          Release you from payment obligations
          Terminate your obligations under these Terms (surviving provisions remain in effect)

          SECTION 14. DISPUTE RESOLUTION AND ARBITRATION

          14.1 Informal Resolution Requirement
          Before initiating any formal dispute resolution, you agree to contact us at kristine@kristinerucker.com with a detailed description of your concern. We will attempt to resolve the matter informally within 30 days. This step is mandatory before proceeding to arbitration.

            14.2 Binding Arbitration Agreement
            PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
            Any dispute, claim, or controversy arising out of or relating to these Terms or your use of our Products (including but not limited to disputes about the validity, interpretation, breach, or termination of these Terms) shall be resolved through final and binding arbitration rather than in court, except as provided below.

            14.3 Arbitration Procedures
            Arbitration shall be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules
            The arbitration shall take place in St. Croix County Wisconsin, or at another location mutually agreed upon
            The arbitration may be conducted telephonically or via videoconference if you do not reside in Wisconsin
            The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction
            Each party shall bear its own costs and attorneys’ fees unless otherwise awarded by the arbitrator

            14.4 Exceptions to Arbitration
            Either party may bring a claim in small claims court if the claim qualifies and remains in small claims court. Additionally, either party may seek injunctive or equitable relief in court for intellectual property infringement or misappropriation.

            14.5 Class Action Waiver
            YOU AGREE THAT DISPUTES WILL BE ARBITRATED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION. You waive any right to participate in a class-wide arbitration or class action lawsuit against Kristine Rucker Coaching LLC.
            If this class action waiver is found to be unenforceable, then the entirety of this arbitration provision shall be null and void (but the rest of these Terms remain in effect).

            14.6 Jury Trial Waiver
            You and Kristine Rucker Coaching LLC both waive any constitutional and statutory rights to sue in court and have a trial in front of a judge or a jury. You and we are instead electing to have claims and disputes resolved by arbitration.

            14.7 Opt-Out Right
            You have the right to opt out of this arbitration agreement by sending written notice of your decision to opt out to kristine@kristinerucker.com within 30 days of your first purchase. Your notice must include your name, email address, and a clear statement that you wish to opt out of the arbitration agreement. Opting out of arbitration does not affect any other terms.

            SECTION 15. GOVERNING LAW AND JURISDICTION

            15.1 Governing Law
            These Terms and any disputes arising from them shall be governed by and construed in accordance with the laws of the State of Wisconsin, United States of America, without regard to its conflict of law provisions.

            15.2 Exclusive Jurisdiction
            To the extent not subject to arbitration, you agree that any legal action or proceeding shall be brought exclusively in the state or federal courts located in St Croix County, Wisconsin. You consent to the personal jurisdiction of these courts and waive an objection to venue.

            15.3 International Users
            If you access our Products from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. You acknowledge that your information will be transferred to and processed in the United States.

            SECTION 16. AFFILIATE AND THIRD-PARTY DISCLAIMERS

            16.1 Affiliate Relationships
            We may promote, reference, or recommend third-party products, services, tools, or platforms. In some cases, we may receive affiliate commissions or other compensation for these recommendations. Such relationships do not influence our educational content, and we only recommend products and services we believe may provide value.

            16.2 No Endorsement or Guarantee
            Mention of any third-party product, service, company, or individual does not constitute:
            An official endorsement beyond our stated opinion
            A guarantee of results from using that product or service
            A warranty of quality, fitness for purpose, or merchantability
            An assumption of liability for third-party actions or products

            16.3 Third-Party Links
            Our Products may contain links to third-party websites or resources. We are not responsible for:
            The content, accuracy, or legality of third-party sites
            Third-party privacy practices or terms of service
            Products or services sold by third parties
            Your interactions with third parties
            You access third-party sites at your own risk.

            16.4 Tools and Platform Changes
            Third-party tools, platforms, or services recommended in our Products may:
            Change their features, pricing, or availability
            Modify their terms of service
            Discontinue operations
            No longer be suitable for the strategies taught
            We are not responsible for such changes and make no guarantees about the continued availability or suitability of any third-party resource.

            SECTION 17. FORCE MAJEURE

            Kristine Rucker Coaching LLC shall not be liable for any failure or delay in performance of our obligations under these Terms due to causes beyond our reasonable control, including but not limited to:
            Acts of God (earthquakes, floods, fires, storms, pandemics)
            War, terrorism, civil unrest, or government actions
            Labor disputes or strikes
            Internet service provider failures or cyberattacks
            Failures of third-party hosting, payment, or service providers
            Utility failures or telecommunications outages
            Changes in laws or regulations that prohibit our operations
            In the event of force majeure lasting more than 90 days, either party may terminate affected obligations without liability.

            SECTION 18. MODIFICATIONS TO TERMS

            18.1 Right to Modify
            We reserve the right to modify, update, or replace these Terms at any time at our sole discretion. Material changes will be communicated via:
            Email to your registered email address
            Notice posted on our website
            In-product notification (where applicable)

            18.2 Effective Date of Changes
            Changes become effective: 
            Immediately upon posting for new customers
            30 days after notification for existing customers (unless sooner acceptance is required by law)

            18.3 Continued Use Constitutes Acceptance
            Your continued use of our Products after any modification to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, your sole remedy is to discontinue use of our Products (without entitlement to a refund).

            18.4 Version Control
            We will maintain version history showing the effective dates of Terms modifications. You may request previous versions by contacting us.

            SECTION 19. PRIVACY AND DATA PROTECTION

            19.1 Privacy Policy
            Your use of our services is also governed by our Privacy Policy, available at: https://www.thearmcoach.com/privacy-policy/
            The Privacy Policy is incorporated into these Terms by reference.

            19.2 Data Collection and Use
            By using our Products, you acknowledge and consent to:
            Collection of personal information as described in our Privacy Policy
            Use of cookies, tracking pixels, and similar technologies
            Marketing communications (subject to your opt-out rights)
            Transfer and storage of data in the United States

            19.3 EU/UK Users – GDPR Compliance
            If you are located in the European Union or United Kingdom:
            You have additional rights under GDPR/UK GDPR
            See our Privacy Policy for details on your rights and our data protection practices
            You may exercise your rights by contacting kristine@kristinerucker.com
            We rely on consent and/or legitimate interests as our legal basis for processing

            19.4 California Users – CCPA/CPRA Rights
            If you are a California resident: 
            You have rights under the California Consumer Privacy Act (CCPA) and California
            Privacy Rights Act (CPRA)
            See our Privacy Policy for details on your privacy rights
            You may submit requests via kristine@kristinerucker.com
            We do not sell your personal information

            19.5 Data Security

            While we implement reasonable security measures, we cannot guarantee absolute security. You acknowledge the inherent risks of internet transmission and electronic storage.

            SECTION 20. SMS/TEXT MESSAGING TERMS

              20.1 Consent to Receive SMS
              By providing your phone number at checkout, through a lead form, or by engaging with our keyword opt-in campaigns, you expressly consent to receive recurring automated promotional and personalized marketing text messages (e.g., course updates, exclusive offers, launch announcements, cart abandonment reminders) from Kristine Rucker Coaching LLC.

              20.2 Message Details
              Message Frequency: Message frequency varies depending on your activity and our promotions. You may receive up to 10 messages per month, but frequency may be higher during launch periods.
              Message & Data Rates: Message and data rates may apply based on your mobile carrier’s plan. We are not responsible for any charges incurred.
              Supported Carriers: Our SMS program works with most major U.S. carriers, but availability may vary.

              20.3 Opt-Out and Help
              To Unsubscribe: Reply STOP, UNSUBSCRIBE, CANCEL, END, or QUIT to any message to opt out
              For Help: Reply HELP for assistance or contact kristine@kristinerucker.com
              Confirmation: You will receive a one-time confirmation message when you opt out

              20.4 Not a Condition of Purchase
              Consent to receive SMS is not a condition of any purchase. You may make purchases without providing your phone number or by opting out of SMS at any time.

              20.5 Privacy and Data Usage
              We will never sell or share your mobile number with third parties for their marketing purposes
              Your mobile data will be handled in accordance with our Privacy Policy
              We use your phone number only for the SMS program and related customer service

              20.6 Changes to SMS Program
              We reserve the right to modify or discontinue the SMS program at any time. We will provide notice of material changes when reasonably possible.

              SECTION 21. USER-GENERATED CONTENT AND COMMUNITY GUIDELINES

                21.1 Submission of Content
                Some of our Products may include community features such as forums, comments, chat groups, or social media communities where you can submit content. By submitting any content, you:
                Grant us a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, modify, and display your submission for operational and marketing purposes
                Represent that you own or have rights to the content submitted
                Waive any moral rights in the content
                Agree not to submit content that is illegal, harmful, defamatory, or infringes on third- party rights

                21.2 Community Guidelines
                You agree not to: 
                Harass, bully, or threaten other community members
                Share false, misleading, or deceptive information
                Spam or engage in excessive self-promotion
                Share others’ private information without consent
                Promote illegal activities or prohibited products/services
                Impersonate others or misrepresent your affiliation

                21.3 Moderation Rights
                We reserve the right to: 
                Monitor, edit, or remove any user-generated content
                Suspend or ban users who violate community guidelines
                Take no action regarding user content, as we are not obligated to moderate

                21.4 No Liability for User Content
                We are not responsible for user-generated content and disclaim all liability for any harm arising from such content. Users are solely responsible for their own submissions.

                SECTION 22. ENTIRE AGREEMENT AND SEVERABILITY

                22.1 Entire Agreement
                These Terms, together with our Privacy Policy and any Product-specific terms, constitute the entire agreement between you and Kristine Rucker Coaching LLC regarding your use of our Products and supersede all prior or contemporaneous communications, proposals, or agreements.

                22.2 Severability
                If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed, and the remaining provisions shall continue in full force and effect.

                22.3 No Waiver
                Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. No waiver shall be effective unless made in writing and signed by an authorized representative of Kristine Rucker Coaching LLC.

                22.4 Headings
                Section and subsection headings are for convenience only and shall not affect the interpretation of these Terms.

                SECTION 23. ASSIGNMENT

                  23.1 Our Right to Assign
                  We may assign, transfer, or delegate our rights and obligations under these Terms to any third party without your consent, including in connection with a merger, acquisition, sale of assets, or by operation of law.

                  23.2 Your Restrictions
                  You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent. Any attempted assignment in violation of this section is void.

                  SECTION 24. ELECTRONIC COMMUNICATIONS AND SIGNATURES

                  24.1 Consent to Electronic Communications
                  You consent to receive communications from us electronically, including via email, SMS, or through our platform. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

                  24.2 Electronic Signatures
                  By checking a box, clicking a button, or completing a purchase on our platform, you are providing a legally binding electronic signature that has the same force and effect as a handwritten signature.

                  SECTION 25. SPECIFIC COMPLIANCE STATEMENTS

                  25.1 FTC Compliance
                  We comply with the Federal Trade Commission Act and related regulations, including:
                  16 CFR Part 255 (Guides Concerning Use of Endorsements and Testimonials)
                  Section 5 prohibitions on deceptive advertising
                  Requirements for clear and conspicuous disclosures

                  25.2 CAN-SPAM Compliance
                  Our email marketing complies with the CAN-SPAM Act:
                  We provide clear identification in all emails
                  Subject lines accurately reflect content
                  We include our physical business address
                  We honor opt-out requests within 10 business days
                  We do not use deceptive headers or routing information

                  25.3 TCPA Compliance
                  Our SMS and telephone marketing complies with the Telephone Consumer Protection Act (TCPA):
                  We obtain express written consent before sending marketing texts
                  We provide clear opt-out mechanisms
                  We maintain internal do-not-call/text lists
                  We honor opt-out requests immediately

                  25.4 Payment Card Industry (PCI) Compliance
                  While we do not directly process or store payment card information (this is handled by our payment processors), we maintain PCI DSS compliance standards for any card data that may transit through our systems.

                  25.5 Stripe Terms Compliance
                  By making a payment through Stripe, you agree to be bound by Stripe’s Services
                  Agreement and applicable policies, available at https://stripe.com/legal. We comply with Stripe’s requirements for merchant conduct and user data protection.

                  SECTION 26. ACCESSIBILITY

                    26.1 Accessibility Commitment
                    We strive to make our Products accessible to individuals with disabilities in accordance with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA, though we do not guarantee full compliance.

                    26.2 Accommodation Requests
                    If you require accommodation to access our Products due to a disability, please contact us at kristine@kristinerucker.com. We will make reasonable efforts to provide accommodation where possible, though we cannot guarantee all requests can be fulfilled.

                    SECTION 27. INTERNATIONAL USERS

                    27.1 Eligibility by Location
                    Our Products are intended for users in jurisdictions where such Products are legal. You are responsible for ensuring your use complies with local laws.

                    27.2 Export Controls
                    You agree not to export, re-export, or transfer our Products or any technical data derived from them in violation of U.S. export control laws or regulations.

                      27.3 Currency and Language
                      Unless otherwise specified, all prices are in U.S. Dollars and all content is provided in English. We do not guarantee accurate translation into other languages.

                      SECTION 28. CONTACT INFORMATION

                      If you have any questions about these Terms & Conditions, please contact us at:
                      Email: kristine@kristinerucker.com
                      Business Address: 
                      Kristine Rucker Coaching LLC
                      464 Meadow Ridge Trl
                      Hudson, WI 54016
                      Response Time: We strive to respond to inquiries within 2-3 business days.

                      SECTION 29. ACKNOWLEDGEMENT AND ACCEPTANCE

                      BY COMPLETING YOUR PURCHASE, CHECKING THE ACCEPTANCE BOX, OR USING OUR PRODUCTS, YOU ACKNOWLEDGE THAT:
                      1. You have read these Terms & Conditions in their entirety
                      2. You understand these Terms and agree to be bound by them
                      3. You have had the opportunity to seek independent legal advice if desired
                      4. You are entering into a legally binding agreement
                      5. You waive any claim that these Terms are invalid, unenforceable, or not legally binding
                      6. You understand the no-refund policy and assume all risks associated with your purchase

                        Last Updated: 2026

                        These Terms & Conditions are subject to change. It is your responsibility to review them
                        periodically. Continued use after changes constitutes acceptance of modified Terms.