TERMS & CONDITIONS

These Terms of Use govern your access to the KF & Co website, digital resources, coaching programs, and all materials we provide.

By using this website or any related service, you agree to these Terms.

1. Use of Website & Content

All content on this website—including programs, videos, trainings, worksheets, and frameworks—is the intellectual property of KF & Co.

You may use the content for your personal or internal business use only.

You may not copy, modify, distribute, or use our content commercially without written permission.

2. No Professional Relationship Created

Accessing this site or downloading resources does not create a professional relationship, including:

  • Coaching

  • Consulting

  • Legal representation

  • Psychological treatment

A formal relationship begins only after both parties sign a written coaching or consulting agreement.

3. Not Legal, Financial, or Mental Health Advice

Content provided by KF & Co is for educational purposes only.

Nothing on this site or in our materials should be interpreted as legal, financial, medical, or psychological advice.

You are responsible for consulting appropriate licensed professionals.

4. Payments & Refunds

All purchases must be paid in full unless otherwise stated.

Refund policies will be clearly stated at checkout. If no policy is listed, all sales are final.

Chargebacks without contacting us first violate these Terms.

5. User Conduct

You agree to:

  • Provide accurate information

  • Use content lawfully

  • Not interfere with the site or other users

  • Not redistribute or resell our intellectual property

We may revoke access to anyone who violates these Terms.

6. Third-Party Tools & Links

Our site may include links to third-party platforms.

We are not responsible for their content, privacy practices, or security.

Use them at your own risk.

7. Intellectual Property Rights

All intellectual property—including frameworks, assessments, systems, and brand assets—belongs exclusively to KF & Co.

You may not:

  • Claim ownership

  • Reproduce or modify materials

  • Teach or license our materials to others

  • Use our content to create competing products or services

We actively enforce our rights.

8. Limitation of Liability

To the fullest extent permitted by law, KF & Co is not liable for:

Business losses

  • Loss of revenue or profits

  • Consequential or incidental damages

  • Decisions made based on our content or services

Use our site and services at your own discretion.

9. Indemnification

You agree to indemnify and hold KF & Co harmless from any claims, losses, or expenses arising from:

  • Your use of our website

  • Your misuse of content

  • Your violation of these Terms

10. Governing Law

These Terms are governed by the laws of the Commonwealth of Virginia.

Any disputes will be resolved in the state or federal courts located in Richmond, Virginia.

11. Contact

For questions about this Privacy Policy or these Terms:

kf&co

Email: [email protected]

Richmond, Virginia

© 2025 Dr. Kate Flynn. All rights reserved.