TERMS & CONDITIONS

Effective Date: September 7, 2026

These Terms & Conditions ("Terms") constitute a legally binding agreement between Kimberly Contreraz, d/b/a Kimberly C Coaching ("Company," "we," "us," or "our"), a sole proprietorship organized under the laws of the State of Michigan, and any individual accessing or using the website located at [insert website URL] (the "Site") ("User" or "you").

By accessing or using the Site, User agrees to be bound by these Terms. If User does not agree to these Terms, User should not access or use the Site.

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1. DESCRIPTION OF SERVICES

The Site provides blog content, informational articles, and downloadable resources related to personal development, organized in part around a proprietary framework referred to as "The Return Method™." As of the Effective Date, the Company does not offer any products or services for direct purchase through the Site. These Terms shall be amended to include applicable purchase, payment, and refund provisions in the event the Company commences the sale of products or services through the Site.

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2. NO PROFESSIONAL ADVICE; DISCLAIMER

All content provided on the Site, including but not limited to blog posts, articles, workbooks, and downloadable materials, is provided for general informational and educational purposes only and reflects the personal perspective and experience of the Company's proprietor. The Company is not a licensed therapist, psychologist, psychiatrist, medical provider, financial advisor, or attorney. Nothing contained on the Site constitutes, or should be construed as, professional medical, psychological, financial, or legal advice, diagnosis, or treatment.

Users experiencing a mental health crisis should contact a licensed professional or, within the United States, dial or text 988 (the Suicide & Crisis Lifeline).

User assumes sole responsibility for any decisions or actions taken in reliance upon content provided on the Site.

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3. INTELLECTUAL PROPERTY

All content on the Site, including but not limited to text, graphics, logos, the "Kimberly C Coaching" brand, "The Return Method™" framework and associated materials, workbooks, and downloadable resources (collectively, "Content"), is the property of the Company or is used with permission, and is protected under applicable copyright, trademark, and intellectual property laws.

3.1 Permitted Use

User may view Content for personal, non-commercial purposes and may download freebies for personal use.

3.2 Prohibited Use

Except as expressly permitted herein, User shall not: (a) reproduce, distribute, publicly display, sell, license, or otherwise commercially exploit any Content; (b) use the "Return Method™" name, framework, or associated materials to create derivative coaching programs, products, or services; or (c) remove, obscure, or alter any copyright, trademark, or attribution notice contained within any Content.

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4. EMAIL SUBSCRIPTION

By submitting an email address to receive a downloadable resource or to subscribe to the Company's mailing list, User consents to receive email communications from the Company, including newsletters, informational content, and promotional communications. User may withdraw such consent at any time by using the unsubscribe mechanism contained within each communication. Collection and use of information submitted in connection with email subscription is governed by the Company's Privacy Policy.

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5. THIRD-PARTY LINKS AND SERVICES

The Site may contain links to third-party websites or incorporate third-party services (including but not limited to Flodesk) that are not owned or controlled by the Company. The Company assumes no responsibility for the content, terms of use, or privacy practices of any third-party website or service, and the inclusion of any such link does not constitute an endorsement thereof.

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6. USER CONDUCT

In the event the Site provides functionality for User-submitted comments or public interaction, User agrees not to submit content that is unlawful, defamatory, harassing, or infringing upon the rights of any third party. The Company reserves the right, in its sole discretion, to remove any such content and to restrict or terminate User's access to the Site for violation of these Terms.

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7. DISCLAIMER OF WARRANTIES

THE SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE COMPANY DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, AND DOES NOT WARRANT ANY PARTICULAR OUTCOME OR RESULT FROM USE OF THE SITE OR ITS CONTENT.

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8. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO USER'S ACCESS TO OR USE OF THE SITE OR ITS CONTENT, INCLUDING BUT NOT LIMITED TO ANY DECISIONS OR ACTIONS TAKEN BY USER IN RELIANCE THEREON.

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9. AMENDMENTS

The Company reserves the right to amend these Terms at any time, including but not limited to circumstances involving the commencement of sales of products or services, or the formation of a business entity. The "Effective Date" at the top of these Terms will reflect the date of the most recent revision. Continued use of the Site following any amendment constitutes acceptance of the amended Terms.

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10. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of laws provisions.

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11. CONTACT

Inquiries regarding these Terms should be directed to:

Kimberly Contreraz

d/b/a Kimberly C Coaching

Email: kimberly@kimcontreraz.com

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These Terms are drafted to reflect the Site's current operations, which are limited to content publication and free resource distribution, with no direct sale of products or services as of the Effective Date. These Terms should be revised upon the commencement of sales or the formation of a business entity. Review by a Michigan-licensed attorney prior to publication is recommended.