Terms & Conditions — Rachael Peffer, Ltd.

Effective Date: August 1, 2025

Quick summary: By purchasing or accessing products on rachaelpeffer.com you agree to these Terms. Our focus: courses, coaching, digital products & templates, stationery, and consulting. For full details and privacy practices, see the links at the bottom of this page.

These Terms & Conditions ("Terms") govern your access to and use of digital products, coaching programs, courses, templates, stationery, consulting, and other services (collectively, “Products”) provided by Rachael Peffer, Ltd. (“Company”, “we”, “our”, or “us”). By checking the box on a checkout page and completing your purchase, or by otherwise accessing or using our Products, you (“Customer”, “you”, or “your”) agree to be bound by these Terms.

Websites & Platforms Covered

These Terms apply to all Products offered by Rachael Peffer, Ltd., including content sold or accessed through our website(s) and affiliated platforms such as Showit, HoneyBook, Flodesk, Canva, Stripe, Etsy, Shopify, Instagram, YouTube, and other official channels.

1. Eligibility & Capacity

By using our Products you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding contract.

2. Intellectual Property

All content in our Products—including but not limited to videos, templates, PDFs, graphics, logos, written material, and course content—is the intellectual property of Rachael Peffer, Ltd. You receive a limited, non-transferable, non-exclusive license to use purchased content for your personal or internal business purposes only, as expressly permitted in your purchase terms.

Unauthorized sharing, distribution, resale, public performance, or creation of derivative works is prohibited and may result in immediate termination of access and legal action.

Use of Likeness & AI Restrictions

You may not use any photographs, video, voice, likeness, or other content from Rachael Peffer, Ltd. (including appearances in video content or public platforms) to train, generate, or reproduce content using artificial intelligence or machine learning tools (including deepfakes, voice replication, or image-generation tools). Such uses are strictly prohibited and may lead to legal action for violation of publicity or intellectual property rights.

3. License & Usage Restrictions

Access to Products is for your use only. Any unauthorized reproduction, distribution, resale, or public performance is strictly prohibited. Violations may result in revocation of access and liability for damages.

4. Coaching & Educational Disclaimer

Our coaching, consulting, and educational content are for informational and educational purposes only and do not constitute legal, medical, tax, or financial advice. You are solely responsible for your actions and results. Past client results are not guarantees of future outcomes.

5. Testimonials & Results

Testimonials reflect individual experiences and do not guarantee similar results. Any income or result examples are illustrative only and depend on multiple factors including your effort and market conditions.

6. Assumption of Risk

You acknowledge that business decisions involve risk. You assume full responsibility for decisions made as a result of using our Products and agree that we are not liable for any losses arising from those decisions.

7. Refunds & No-Refund Policy

Digital Products & On-Demand Courses: Unless otherwise stated at purchase, digital downloads and on-demand courses are final sale and non-refundable.

Live Programs, Coaching, & Custom Work: Refunds, exchanges, and cancellation terms for live programs, cohorts, multi-session coaching packages, or custom stationery/design work will be specified on the sales page, enrollment agreement, or invoice. Those terms control.

Legal Exceptions: We will honor refunds or consumer protections required by applicable law (for example, certain EU or state consumer protections).

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL RACHAEL PEFFER, LTD. BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOST PROFITS) ARISING OUT OF OR RELATING TO THESE TERMS OR THE PRODUCTS. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM IS LIMITED TO THE AMOUNT PAID BY YOU TO US FOR THE APPLICABLE PRODUCT IN THE 12 MONTHS PRIOR TO THE CLAIM.

9. Indemnification

You agree to indemnify, defend, and hold harmless Rachael Peffer, Ltd., its officers, employees, contractors, and affiliates from any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising from your breach of these Terms, violation of law, or use of the Products.

10. Termination of Access

We may suspend or revoke your access to Products if you violate these Terms. In such cases, we will provide written notice and (where reasonable) five (5) business days to cure the violation. No refunds will be issued for terminated access unless otherwise required by law.

11. Dispute Resolution & Arbitration

We prefer to resolve disputes informally. If we cannot resolve a dispute, you and we agree to resolve disputes by confidential, binding arbitration in [Insert County], Colorado under the American Arbitration Association (AAA) Consumer Arbitration Rules (or another mutually agreed arbitration provider). You and we each waive the right to a jury trial and to participate in a class action. Judgment on an arbitration award may be entered in any court with jurisdiction.

12. Governing Law & Venue

These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law rules. Any legal action not subject to arbitration shall be brought exclusively in the state or federal courts located in [Insert County], Colorado, and you consent to personal jurisdiction and venue there.

13. Modifications

We may update these Terms at any time. We will post the updated Terms on our website with a revised Effective Date. Continued access or purchase after changes constitutes acceptance of the revised Terms.

14. Privacy

Your use of our Products is also governed by our Privacy Policy. Please review it carefully:
Privacy Policy: www.rachaelpeffer.com/privacy-policy

15. SMS / Text Messaging

If you provide your phone number at checkout, through a lead form, or by opting in, you consent to receive recurring automated promotional and personalized messages (e.g., program updates, offers, launch announcements) from Rachael Peffer, Ltd. Consent is not a condition of purchase. Message and data rates may apply. Frequency varies. Reply STOP to opt out or HELP for assistance. We will not sell your mobile number; data is handled per our Privacy Policy.

16. Changes to Products & Availability

We may modify, pause, or discontinue any Product or feature at any time. If a Product is materially changed, we will notify customers if reasonably possible; refunds for discontinued Products will follow the refund terms above.

17. Contact

If you have questions about these Terms, contact us at:

Email: hello @rachaelpeffer.com

Mailing Address: 10940 South Parker Road Suite 648 Parker, CO 80134

Last updated: August 1, 2025